ROL_2011-08-04_16k.timecode

[00:00.000 --> 00:10.440]  MSNBC reported Thursday a shell company that donated $1 million to a political committee
[00:10.440 --> 00:15.640]  backing Republican presidential candidate Mitt Romney was dissolved just months after
[00:15.640 --> 00:22.320]  it was formed, leaving few clues as to who was behind it. WSFAN LLC was founded March
[00:22.320 --> 00:29.200]  15, donated to the Romney campaign April 28 and closed shop July 12. The Manhattan office
[00:29.200 --> 00:35.080]  building where the company was listed had no record of the tenant. A French court has
[00:35.080 --> 00:40.720]  ordered an investigation into the International Monetary Fund's new chief, Christine Lagarde,
[00:40.720 --> 00:45.680]  for her role in a settlement paid to a friend of French President Nicolas Sarkozy during
[00:45.680 --> 00:51.960]  her tenure as finance minister. Lagarde is accused of misconduct for approving a $407
[00:51.960 --> 00:59.000]  million arbitration payout to Bernard Tapie in 2008. Tapie had a long-running legal dispute
[00:59.000 --> 01:06.120]  with Crédit Lyonnais, a former state-owned bank. Le Frisien newspaper reported Thursday
[01:06.120 --> 01:11.680]  Air France has issued orders for only male staff to serve Dominique Strauss-Kahn when
[01:11.680 --> 01:17.000]  the former IMF boss under investigation for attempted rape in New York travels on its
[01:17.000 --> 01:23.000]  planes. The paper reports lawyers of Strauss-Kahn's accuser are calling for female stewards he
[01:23.000 --> 01:30.120]  allegedly sexually harassed to testify. U.S. secret commandos are currently operating
[01:30.120 --> 01:37.040]  in 75 countries. The website Tom's Dispatch reports U.S. Special Operations Command, SOCOM
[01:37.040 --> 01:43.640]  forces, could be operating in 120 by year's end. One of SOCOM's key components is the
[01:43.640 --> 01:49.200]  Joint Special Operations Command, a clandestine sub-command which reports to the president
[01:49.200 --> 01:54.560]  and maintains a global hit list that includes U.S. citizens. The command operates a network
[01:54.560 --> 02:00.920]  of secret prisons including as many as 20 black sites in Afghanistan alone. SOCOM spending
[02:00.920 --> 02:07.280]  has quadrupled since 2001. Fringe projects include research on sonic projection to beam
[02:07.280 --> 02:13.320]  messages into a person's head. 85% of special operations troops deployed overseas are in
[02:13.320 --> 02:20.000]  the oil-rich Middle East. U.S. District Judge Royce Lamberth Wednesday rejected military
[02:20.000 --> 02:25.240]  contractor KBR's request to dismiss a U.S. government lawsuit seeking to recover more
[02:25.240 --> 02:31.720]  than $100 million for alleged false claims over private security in Iraq. Lamberth ruled
[02:31.720 --> 02:37.360]  the false claims and breach of contract claims could proceed but dismissed the unjust enrichment
[02:37.360 --> 02:43.920]  and payment by mistake counts in the lawsuit. The lawsuit, filed in 2010, claimed KBR knowingly
[02:43.920 --> 02:50.680]  included impermissible costs for private armed security it billed the U.S. Army between 2003
[02:50.680 --> 02:57.080]  and 2006. KBR, the U.S. military's largest private contractor in Iraq and Afghanistan,
[02:57.080 --> 03:19.680]  has been repeatedly criticized for cost overruns in Iraq.
[03:27.080 --> 03:43.160]  KBR, the U.S. military's largest private contractor in the U.S. has been accused of
[03:43.160 --> 04:00.600]  a crime in the U.S. military. The U.S. military's largest private contractor in the U.S. has
[04:00.600 --> 04:11.160]  been accused of a crime in the U.S. military. The U.S. military has been accused of a crime
[04:11.160 --> 04:24.840]  in the U.S. military. The U.S. military has been accused of a crime in the U.S. military
[04:24.840 --> 04:44.400]  in the U.S. military. The U.S. military has been accused of a crime in the U.S. military
[04:44.400 --> 05:01.840]  in the U.S. military.
[05:01.840 --> 05:25.320]  The U.S. military has been accused of a crime in the U.S. military in the U.S. military
[05:25.320 --> 05:42.760]  in the U.S. military in the U.S. military.
[05:42.760 --> 06:06.240]  The U.S. military has been accused of a crime in the U.S. military in the U.S. military
[06:06.240 --> 06:33.680]  in the U.S. military.
[06:33.680 --> 06:37.960]  pretty well. Andy, my old dad in the background there.
[06:39.840 --> 06:44.520]  I'm hiding back here trying to stay out of trouble again. I know.
[06:46.120 --> 06:50.600]  Well, thanks for having me on. And it has been quite a while since I've been on,
[06:50.620 --> 06:53.520]  but we've been very, very busy doing this stuff.
[06:55.760 --> 07:00.560]  So the problem is, you know, if you want is we talk about you so much.
[07:00.560 --> 07:03.360]  Yeah. Tell Mike and Bruce books.
[07:05.120 --> 07:11.160]  Yeah, I, uh, I'm the bad boy, I guess, you know, but in the, in the good corner,
[07:11.280 --> 07:14.000]  you know, that's, that's the best part of this.
[07:14.000 --> 07:17.760]  So people learning their rights under the law and how to apply it is,
[07:18.400 --> 07:22.240]  is a big part of this. And, uh, there are laws out there to protect you.
[07:22.240 --> 07:27.880]  And I certainly want to make this statement before I get, again, I'm not an attorney.
[07:27.880 --> 07:32.880]  Thank God. And I'm not giving anybody any legal advice.
[07:34.400 --> 07:39.400]  Just what I've done in the past, uh, through my expertise in doing this.
[07:40.880 --> 07:44.880]  And, uh, so take that for what it's worth.
[07:45.240 --> 07:50.240]  Not an attorney, not giving legal advice. I only teach people how to do this stuff.
[07:50.240 --> 07:57.240]  How to do this stuff. And once they learn it, it's like the master card commercial,
[07:57.240 --> 08:01.520]  you know, it's priceless. You learn how to do this.
[08:01.520 --> 08:06.480]  It stays with you for the rest of your life. And I often tell people, you know,
[08:06.480 --> 08:09.760]  yeah, you got some problems right now. We've got to get through them.
[08:10.640 --> 08:16.240]  But if you get everything cleaned up and worked out, make all this stuff go away.
[08:16.240 --> 08:20.640]  And God forbid something happens in the future. You get sick, you can't work,
[08:20.640 --> 08:25.240]  you can't pay your bills. Someone in your family gets sick. You help them out.
[08:25.240 --> 08:30.040]  You can't pay your bills. You're going to know what to do before the proverbial
[08:30.040 --> 08:36.040]  stuff hits the fan. I have people now that come to me at the last minute.
[08:36.040 --> 08:41.160]  They're being sued in a local court. What do we do? And, you know,
[08:41.160 --> 08:47.000]  it's always better to be a plaintiff in federal court than a defendant in the local court.
[08:47.960 --> 08:53.880]  Federal court is very, very organized. They're very, very gracious toward
[08:53.880 --> 08:59.560]  pro-sale litigants there. You don't spend a lot of time in there like you do in the
[08:59.560 --> 09:03.240]  local courts where the judge is calling in every other week and sitting there
[09:03.240 --> 09:07.880]  pounding his fist and pointing his finger at you and saying, did you or did you not
[09:07.880 --> 09:13.480]  have this credit card? Did you or not have this, own this money? You don't go
[09:13.480 --> 09:17.480]  through any of that kind of nonsense in federal court. It's very organized.
[09:17.480 --> 09:25.000]  Occasionally you'd go in there and it's a conference. It's a business meeting.
[09:25.000 --> 09:29.800]  Discuss the case. Sometimes it sells in the judge's chambers. Sometimes it sells
[09:29.800 --> 09:35.240]  in the courtroom. And here's the best one. Sometimes it's all done by telephone.
[09:35.240 --> 09:42.520]  Conference court. You, the plaintiff, the judge, and the lawyer for the defendant.
[09:42.520 --> 09:46.920]  And you're having a conversation. Hey, let me get back to the basics.
[09:49.000 --> 09:54.280]  Courses that I offer on Rural Law Radio deal with the Fair Credit Reporting Act.
[09:54.280 --> 09:58.040]  That's a federal law, the Federal Fair Credit Reporting Act,
[09:59.000 --> 10:04.440]  and the Federal Debt Collection Practices Act. These are federal laws. They're
[10:04.440 --> 10:09.080]  recognized across the United States. This is not some type of nonsense.
[10:09.880 --> 10:14.360]  You're pulling out of the air and making up as you go along.
[10:17.720 --> 10:24.360]  What the courses do, it teaches you how to apply those laws and use them in a court,
[10:24.360 --> 10:32.040]  in a federal court. There's reading involved. There's copying and pasting involved,
[10:32.040 --> 10:37.560]  that kind of stuff. You have some computer ability. You're probably going to be pretty
[10:37.560 --> 10:40.840]  successful. I mean, I've run across people that have come to me
[10:43.880 --> 10:47.400]  can't copy and paste or don't know how to put line numbers on a page.
[10:48.600 --> 10:53.880]  I don't teach that. If you don't want to do that stuff, you need to go to the local community
[10:55.240 --> 11:01.720]  college and take a two-hour course in Word, Microsoft Word, and learn how to do that stuff.
[11:01.720 --> 11:05.400]  But if you have the basics in place, and those people I know do,
[11:06.680 --> 11:11.080]  you can be very, very successful doing this stuff. These laws, again,
[11:11.080 --> 11:19.640]  were an act to protect the consumer, the consumer. And that's how you're identified
[11:19.640 --> 11:27.400]  in the law as a consumer, not as a person. A person under fair credit and debt collection
[11:27.400 --> 11:35.240]  is a creditor, a debt collector. Anybody who issues credit, anybody who reports in the credit
[11:35.240 --> 11:43.000]  report, those are persons. And that's how they're identified in these laws. The big problem
[11:43.000 --> 11:46.360]  people have is you can go read those laws. You can go read them right now.
[11:47.240 --> 11:53.480]  People don't understand how to get from reading those laws and taking action. And that's what
[11:53.480 --> 12:00.760]  I teach at it. It's that simple. It's that simple. Bottom line, they're great laws. They're well
[12:00.760 --> 12:06.760]  paid attention to. There's even some other laws that we bring in, federal laws that are involved
[12:06.760 --> 12:13.560]  with this stuff. People come on board, and we hook up, and I start making you aware of these
[12:13.560 --> 12:21.800]  things. But it's been very powerful. We've had tremendous successes. It just seems like every
[12:21.800 --> 12:26.200]  week somebody's winning a case, or debt collectors going away, they don't want to bother with you
[12:26.200 --> 12:32.920]  anymore. You're going to cost them a ton of money. Ton of money. And that's what all this stuff is
[12:32.920 --> 12:42.440]  about. Money. Supposedly. The point is, I've worked with people who have never done this before,
[12:43.640 --> 12:49.000]  and they open their minds, and they learn the process. And it's not that difficult to learn.
[12:49.000 --> 12:57.720]  It's not that difficult to learn. We go through different phases of this. Sometimes you hit them
[12:57.720 --> 13:05.880]  with a notice of pending lawsuit, and you'll get a call from them asking them, can we resolve this?
[13:05.880 --> 13:08.920]  You don't want to be involved with this? What's it going to take to make you go away?
[13:10.120 --> 13:15.960]  Really, it happens. I had a gentleman about a month ago I was working with up in the Northeast,
[13:15.960 --> 13:22.520]  and he sent out the debt validation letter. We asked him to validate everything. This is very
[13:22.520 --> 13:28.920]  important. This is one of the things that you use to protect your rights under the law, debt
[13:28.920 --> 13:35.240]  validation. And this gentleman sent the letter out, and he pulled me back. He said, Mike,
[13:35.240 --> 13:38.600]  you're not going to believe this. I just got a letter from the debt collector saying he's
[13:38.600 --> 13:46.120]  closed in the account, and he's removing the information from my credit report. I said, okay.
[13:47.000 --> 13:51.000]  I said, that's a good thing. I said, you have that letter in writing, right? Yeah,
[13:51.000 --> 13:54.280]  I got it right here in front of me. So he says, how do I collect a thousand bucks from
[13:55.160 --> 13:57.640]  it? I said, well, you have the evidence right in your hand.
[13:59.080 --> 14:05.560]  It's a no-brainer, folks. No-brainer. They send you a letter. We're closing this account, and we're
[14:05.560 --> 14:13.240]  going to remove the credit line in your credit report. So you aren't collecting the debt.
[14:14.520 --> 14:20.600]  Huh. He just told me you're closing the account and removing the information from my credit
[14:20.600 --> 14:28.760]  report. Wow. So what you put in the credit report was fuss and erroneous and inaccurate information?
[14:28.760 --> 14:37.240]  Say you'll have police. And basically, I told the guy, if I was him, I'd send the letter,
[14:37.240 --> 14:41.400]  thank him very much for their consideration of doing that. However, that doesn't forgive them
[14:41.400 --> 14:47.160]  for breaking the debt collection practices act. And if you don't want to go any further with this,
[14:47.160 --> 14:52.520]  I'll accept your payment of a thousand dollars for the violation, and I want a settlement agreement
[14:52.520 --> 14:58.120]  in writing. Say it, I'm never going to hear from you on this, and you're never going to report it
[14:58.120 --> 15:05.160]  in my credit report. He's got the admission to guilt right there in his hand. Yeah, and Mike,
[15:05.160 --> 15:10.440]  isn't also part of the problem that even if these guys go away voluntarily on their own,
[15:10.440 --> 15:16.200]  like what they said they offered to this time, you still have to get some kind of settlement
[15:16.200 --> 15:21.000]  agreement from them, or else they'll just sell the information to someone else.
[15:21.000 --> 15:23.640]  Exactly. And then the whole thing will start all over again.
[15:23.640 --> 15:30.360]  Yeah, exactly. And that's a very good point, Deborah. That happens all the time. People
[15:30.360 --> 15:33.560]  think they're going away. Well, yeah, they're going away for a while. Give it a few months,
[15:33.560 --> 15:39.400]  you'll get a letter from another debt collector. However, however, I have a very close friend
[15:39.400 --> 15:43.000]  of mine in Florida. I've known him, I've known him for eight or ten years, and we've been involved
[15:43.000 --> 15:49.560]  with this stuff. He's been a federal court number of times himself. He's done this and won very
[15:49.560 --> 16:02.600]  successfully. And he won't take a settlement agreement from anybody. He says, Mike, you and I,
[16:02.600 --> 16:07.720]  I consider you a brother-in-arms, is how he refers to me, a brother-in-arms. He says,
[16:07.720 --> 16:11.560]  but that's for you and I disagree. I don't want to settle that agreement from him,
[16:11.560 --> 16:16.040]  because you see, I want him to come back again and break the law so I can make some more money.
[16:16.040 --> 16:24.840]  How's that for an attitude? You could do that. I don't. I want this stuff over and done with
[16:24.840 --> 16:35.800]  it out of my life. Okay, I want to be left alone. And this just goes on and on, and it's quite
[16:35.800 --> 16:42.040]  interesting to learn. I hear the music coming up. Take over. We have the music coming up, folks.
[16:42.040 --> 16:49.400]  We've got Michael Maris of the famous Michael Maris method on how to deal with debt collectors
[16:49.400 --> 16:57.640]  and creditors. If you have a question for Mike on debt collectors, please call in 512-646-1984.
[16:57.640 --> 17:04.520]  We'll be right back. Capital Coin and Bullion is a family-owned and operated business that has
[17:04.520 --> 17:09.000]  helped many families and friends in protecting their assets. And we would like to do the same
[17:09.000 --> 17:16.200]  for you. In addition to coins and bullion, we now offer PatriotsSafe, Ammunition, Berky Water Products,
[17:16.200 --> 17:22.680]  Give Certificates, Risk Bans, and our new Silver Pool, a new way to guarantee silver by prepaying
[17:22.680 --> 17:31.320]  at a lost price. We can even help you set up a metals IRA account. Call us at 512-646-640
[17:31.320 --> 17:37.640]  for more details. As always, we buy, sell, and trade precious metals and cater to those with
[17:37.640 --> 17:45.160]  all sizes of coin collections. We're located at 7304 Burnett Road, Suite 8, about a half a mile
[17:45.160 --> 17:50.440]  north of Canaanix, next to the Ikebon Sushi and the Genie Car Wash. We're open Monday through
[17:50.440 --> 17:59.640]  Friday 10-6, Saturdays 10-5. Visit us at CapitalCoinandBullion.com or call 512-646-640.
[18:00.280 --> 18:04.840]  Are you being harassed by debt collectors with phone calls, letters, or even lawsuits?
[18:04.840 --> 18:11.080]  Stop debt collectors now with the Michael Merris Proven Method. Michael Merris has won six cases
[18:11.080 --> 18:15.880]  in federal court against debt collectors, and now you can win two. You'll get step-by-step
[18:15.880 --> 18:20.920]  instructions in plain English on how to win in court using federal civil rights statutes,
[18:20.920 --> 18:26.120]  what to do when contacted by phones, mail, or court summons, how to answer letters and phone
[18:26.120 --> 18:30.920]  calls, how to get debt collectors out of your credit reports, how to turn the financial tables on
[18:30.920 --> 18:37.320]  them and make them pay you to go away. The Michael Merris Proven Method is the solution for how to
[18:37.320 --> 18:42.280]  stop debt collectors. Personal consultation is available as well. For more information,
[18:42.280 --> 18:47.480]  please visit ruleoflawradio.com and click on the blue Michael Merris banner or email
[18:47.480 --> 18:57.400]  Michael Merris at yahoo.com. That's ruleoflawradio.com or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com
[18:57.400 --> 19:03.400]  to learn how to stop debt collectors now.
[19:17.960 --> 19:23.160]  All right, folks, we are back. We're here with Michael Merris. If y'all have a question
[19:23.160 --> 19:31.720]  concerning how to deal with the debt collectors and the creditors, you can call in 512-646-1984
[19:31.720 --> 19:37.480]  and folks, look, what these debt collectors are doing is totally illegal anyway. It's
[19:37.480 --> 19:44.680]  complete and utter fraud because what happens is if you don't make a payment to the original
[19:44.680 --> 19:54.120]  creditor after 180 days, they charge it off against their capital gains tax liability to the IRS.
[19:54.920 --> 20:03.400]  There is no more debt if there even was a debt to begin with. So then after they charge it off,
[20:03.400 --> 20:10.760]  they turn around and they sell the quote-unquote debt, which what they really sell is the information
[20:10.760 --> 20:19.160]  related to the former debt to some sucker debt collector for pennies on the dollar.
[20:20.440 --> 20:27.720]  And then this debt collector tries to collect on what does not exist. It's complete and total
[20:27.720 --> 20:34.040]  fraud. And on top of that, they violate, they always violate the Debt Collections Practices Act
[20:34.040 --> 20:41.640]  and usually the FCRA, the Fair Credit Reporting Act, and many times the TCPA, Telephone Consumer
[20:41.640 --> 20:49.240]  Protection Act. So Mike is walking me through a lawsuit right now and I have a feeling we're
[20:49.240 --> 20:56.760]  about to clobber these guys. They've been ignoring us. They've disobeyed the rules of court. They
[20:56.760 --> 21:01.880]  wouldn't confer with us within the 60-day time period, which is required by rules of court
[21:01.880 --> 21:09.640]  in order to submit a proposed Scheduling Order and Discovery Plan. So we just submitted our own
[21:09.640 --> 21:14.920]  proposed Scheduling Order and Discovery Plan with an attached affidavit explaining why
[21:14.920 --> 21:29.880]  this guy, huh? Hello? Explaining why we were not able to get a, oh, you're losing me, Mike?
[21:29.880 --> 21:35.080]  Maybe you've got me. Got you now. You're back. Okay, maybe an internet connectivity issue.
[21:35.640 --> 21:42.760]  Anyway, explaining why we were not able to confer with this guy because he would not respond to our
[21:42.760 --> 21:50.360]  emails and telephone calls. Well, he doesn't have to. Oh, he doesn't have to. You're nothing but a
[21:50.360 --> 21:55.480]  prosaliticate. What do you know? Well, what he does have to do, according to the rules of court,
[21:55.480 --> 22:00.760]  is obey the rules of court or else he could be liable for sanctions. So we'll just see what happens.
[22:01.480 --> 22:06.120]  When I was explaining to the clerk of the court what happened, she just shook her head and she
[22:06.120 --> 22:13.320]  said, judges really don't like it when attorneys disobey the rules of court. So we'll just see
[22:13.320 --> 22:17.720]  what happens. And apparently they're just not going to take us seriously. They think we're a
[22:17.720 --> 22:24.120]  prosay. So we're not messing around anymore. We hit him with Discovery. We were going to be nice
[22:24.120 --> 22:29.160]  guys and wait until after we had the agreed upon Discovery plan to hit him with Discovery. But
[22:29.160 --> 22:35.640]  as Alice Cooper says, no more Mr. Nice Guy. We served him with Discovery and everything else.
[22:35.640 --> 22:43.000]  And so I have a feeling that right about now this attorney is going to what Mike calls start to get
[22:43.000 --> 22:50.440]  religion. Yeah, exactly. Oh, go ahead, Mike. Well, you know, all that is all very good points,
[22:50.440 --> 22:57.560]  especially on the debt. They do write it off and sometimes they have insurance that pays it for
[22:57.560 --> 23:04.120]  them as well. And they can come after you for the debt. There's nothing to stop them. But you need
[23:04.120 --> 23:13.560]  to have them prove the debt. Okay. And the words that come into play is unjust enrichment, unjust
[23:13.560 --> 23:18.520]  enrichment. How come we got to pay for this? You've already gotten paid for it. Or you've written
[23:18.520 --> 23:23.560]  it off your income tax, you've got an insurance payment from a, and everybody remembers what
[23:23.560 --> 23:28.680]  happened to AIG a few years ago for paying bad mortgages. I mean, this stuff don't happen. It's
[23:28.680 --> 23:35.720]  all made up. It's all BS. It's all made up folks. We don't, you know, AIG couldn't pay all the
[23:35.720 --> 23:40.040]  insurance claims against all the bad mortgages that they insured. The banks wanted their money.
[23:40.840 --> 23:48.440]  And what happened? What happened? Okay. So same thing with this stuff. They write them off
[23:48.440 --> 23:56.360]  they get insurance for them and then they bundle them up and sell them in a box of who knows how
[23:56.360 --> 24:02.600]  many hundreds of thousands or billions of dollars worth of bad credit cards, credit accounts are
[24:02.600 --> 24:06.760]  sold at a time and these debt collectors come in and bid on them. And essentially,
[24:07.480 --> 24:12.440]  they get this stuff for one or 2% on the on the dollar, one or two pennies on the dollar.
[24:12.440 --> 24:20.440]  It's, you know, it, for instance, a $10,000 credit card. You know, they might get that thing for
[24:21.000 --> 24:28.200]  50 bucks. Who knows? $10. Who knows? They, they bundle them up and put a bid on the bank says,
[24:28.200 --> 24:34.440]  okay, we'll take them. So then the bank got more money or whoever build the account. And now the
[24:34.440 --> 24:40.120]  debt collector comes after you, but people don't know the law to protect themselves. I,
[24:40.120 --> 24:47.080]  I'm involved with a couple of cases right now with people that are working outside the statute of
[24:47.080 --> 24:53.720]  limitations to collect the debt. A lot of people don't even know what that is. I've had people
[24:54.280 --> 25:02.040]  contact me and Mike, I got garnished. They're in my credit report. Well, what was the statute of
[25:02.040 --> 25:08.040]  limitations on the credit card you had? And they'll say to me, what are you talking about? I don't
[25:08.040 --> 25:15.640]  know what you're talking about. Okay. Every state has a statute of limitations on collecting a debt.
[25:17.720 --> 25:20.280]  I hate to tell you this, but it's a state law.
[25:22.040 --> 25:26.520]  And if you go and query at your secretary of state's website,
[25:29.000 --> 25:33.640]  or just put in statute of limitations to collect the debt in your state name,
[25:33.640 --> 25:38.520]  go Google it and you will be shocked if you don't know what I'm talking about.
[25:39.800 --> 25:46.200]  Every state has a statute. For instance, on a credit card, some states are as little as three years.
[25:47.960 --> 25:55.240]  Some states are as much as 10 years. Average is about four to six years to collect on a credit card.
[25:56.680 --> 26:00.680]  Well, I had this gentleman, he came on board. He didn't know any of this. And I said, go,
[26:00.680 --> 26:06.440]  go check your state statutes on that. I don't make the law, folks. It's there. Okay. And it's
[26:07.560 --> 26:11.880]  so easy to do. Okay. It's just got to be able to read the English language.
[26:12.760 --> 26:17.000]  And sure enough, he came back and he says, oh my God, it was three years to collect
[26:17.000 --> 26:20.200]  on this credit card. I says, when did the credit card go bad?
[26:22.520 --> 26:27.240]  He says, I stopped making payment on it in 2001. I says, are you kidding me?
[26:27.240 --> 26:34.200]  He says, no. He says, that's when the account went bad. I says, and when did these guys sue you
[26:34.200 --> 26:43.000]  in the local court to get a garnishment against you? Oh, in 2008, I says, oh brother. Oh brother.
[26:45.880 --> 26:50.280]  Well, he didn't know any of this stuff. He could have walked in that court, that local court at
[26:50.280 --> 26:55.640]  that time and said to the judge, they're tempted to collect the debt outside the statutes of
[26:55.640 --> 27:01.560]  limitations in this state, Your Honor. And the judge would have had no alternative but to dismiss
[27:01.560 --> 27:11.080]  the case. God, really? Yeah. Yeah. And then of course, if you want to be the proverbial SOB,
[27:12.200 --> 27:17.720]  you could go after that debt collector for fraud. This is all mentioned in the debt collection
[27:17.720 --> 27:26.280]  practices act. You know, attempting to collect the debt that's outside the statute of limitation.
[27:27.080 --> 27:31.480]  Oh yeah, you could still go after them if you wanted to and see if they wanted to go there,
[27:31.480 --> 27:37.720]  because I would like to hear the excuse. They would give a federal judge on that and understand
[27:37.720 --> 27:44.840]  when your federal court state laws are in there as well. So not only could you bring it in under
[27:44.840 --> 27:51.400]  your debt collection practices act, the federal law, you could bring it under your state law as well.
[27:53.400 --> 28:00.280]  So people just don't know. And that's what this boils down to. This gentleman, he's a former marine
[28:01.880 --> 28:07.800]  and he is, and I'm not going to use the P word, I'm going to say he is mad, okay,
[28:08.840 --> 28:13.000]  as to what happened to him. They garnished quite a bit of money from him over the past few years.
[28:13.000 --> 28:20.200]  And now he's taking them in the federal court. And of course, they're coming back saying,
[28:20.200 --> 28:25.560]  oh, the statute of limitations is out on that. You have one year to come after us. No, we don't.
[28:27.640 --> 28:34.440]  You did continued collection activity up through April of this year and did so fraudulently
[28:35.000 --> 28:41.160]  by claiming this was a debt that was owed outside the statute of limitations of the state that he's
[28:41.160 --> 28:48.360]  in. So we're going to see where this goes. I'm pretty sure I know where it's going to go.
[28:51.160 --> 28:57.720]  The process server that served this guy, hold the guy I'm working with that, oh,
[28:57.720 --> 29:04.040]  I'll probably wind up settling with this person the day they got served by the process server.
[29:04.040 --> 29:10.120]  Yeah, but he knows he's done wrong. Collecting a debt outside the statute of limitations and
[29:10.120 --> 29:17.000]  you're a lawyer. See, they just hope people don't say anything. Don't know the law.
[29:18.280 --> 29:23.720]  And then they get suckered right into that. And I had a gentleman last year was up in
[29:24.520 --> 29:31.160]  Maryland area, pulled into local court, same exact thing. And the lawyer came over to him
[29:31.160 --> 29:37.640]  before they appeared in that courtroom. And I hear the music coming up and we'll come back
[29:37.640 --> 29:45.080]  and continue this story. All right, folks, we'll be right back with Michael Maris.
[29:47.000 --> 29:52.760]  You can get his course at ruleoflawradio.com by clicking on the baby blue banner. It says how
[29:52.760 --> 29:58.040]  to deal with debt collectors. If you have questions, you can call in 512-646-1984.
[30:00.840 --> 30:05.640]  The rule of law radio network is proud to present a due process of law seminar hosted by our own
[30:05.640 --> 30:10.120]  Eddie Craig. Eddie is a former Nakadocha sheriff's deputy. And for the past 21 years,
[30:10.120 --> 30:14.360]  he's been studying the due process of law and now offers his knowledge to you at a seminar
[30:14.360 --> 30:19.720]  every Sunday from two o'clock to five o'clock at Brave New Books, located at 1904 Guadalupe
[30:19.720 --> 30:25.080]  Street. Admission is $20. So please make plans to come by and sit with Eddie and learn for yourself
[30:25.080 --> 30:33.720]  what the true intent of law really is. Do you have looks to die for? According to a new study,
[30:33.720 --> 30:39.000]  killer contaminants are lurking in many popular cosmetic products. I'm Dr. Catherine Albrecht
[30:39.000 --> 30:43.640]  and I'll be back to tell you how you or someone you love can dodge a shocking beauty bullet.
[30:44.200 --> 30:49.800]  Your search engine is watching you, recording all your searches and creating a massive database
[30:49.800 --> 30:54.440]  of your personal information. That's creepy. But it doesn't have to be that way.
[30:54.440 --> 30:59.960]  Startpage.com is the world's most private search engine. Startpage doesn't store your IP address,
[30:59.960 --> 31:04.520]  make a record of your searches or use tracking cookies and their third party certified. If you
[31:04.520 --> 31:10.360]  don't like Big Brother spying on you, start over with Startpage. Great search results and total
[31:10.360 --> 31:16.920]  privacy. Startpage.com, the world's most private search engine. Environmental group Canadian Defense
[31:16.920 --> 31:22.440]  is warning consumers that many popular cosmetics contain heavy metals. The organization sent
[31:22.440 --> 31:28.520]  name brand makeup like mascara, eyeshadow and lipstick to an accredited lab. Out of 49 products,
[31:28.520 --> 31:36.680]  96% tested positive for lead, 20% contained arsenic and 51% contained cadmium. None of these dangerous
[31:36.680 --> 31:41.640]  items was listed on the label. Heavy metals can build up in the body and lead to health problems
[31:41.640 --> 31:47.080]  like cancer, memory loss, mood swings and hair loss. Researchers say your best defense is to wear
[31:47.080 --> 31:52.920]  less makeup and buy products that guarantee they do not contain heavy metals. I'm Dr. Catherine
[31:52.920 --> 31:58.920]  Albrecht, more news and information at CatherineAlbrecht.com.
[32:16.360 --> 32:21.080]  All right, folks, we are back. We're here with Michael Miris. Hi, Michael. You were talking
[32:21.080 --> 32:26.440]  about how this guy is about to slam him because they tried to collect the debt outside the statute
[32:26.440 --> 32:33.480]  of limitations. Yeah, this gentleman got called into the local court and sure enough he went in
[32:34.360 --> 32:38.760]  and I told him, you know, try to get there a little early and sit out the hallway and sure
[32:38.760 --> 32:45.720]  enough this attorney came over looking for him. Calling his name. Yeah, that's me, he says.
[32:45.720 --> 32:51.080]  He says, so hi, I'm the guy that's, you know, suing you and so on and so forth and I'd like to know
[32:51.080 --> 32:55.080]  if you don't want to make a deal or maybe we can work something out, you wouldn't have to go in front
[32:55.080 --> 33:03.640]  of the judge. And the guy says to him, no, I don't think so. And we said, well, why not? He says,
[33:03.640 --> 33:08.440]  to your advantage, you know, you owe him $10,000, whatever the number was. And, you know, we'd
[33:08.440 --> 33:18.280]  be willing to take $5,000 and work out a payment plan. He says, no, no thanks. And the lawyer kind
[33:18.280 --> 33:23.400]  of looked at him, he says, well, why not? Well, you see, Mr. Lawyer, I know that this account
[33:23.400 --> 33:27.240]  is outside the statute of limitations in this state for you to collect on.
[33:27.240 --> 33:37.320]  That attorney immediately turned around, walked into the courtroom and dismissed the case.
[33:38.360 --> 33:44.680]  Gee, I wonder why. Folks, they do that hoping that you'll do an agreement with them in that
[33:44.680 --> 33:49.720]  hallway. And here's what happens. Let's say this guy decided to settle.
[33:49.720 --> 33:57.320]  Say, yeah, okay, gee, that's wonderful. I can save half and only make a, you know, $100 payment
[33:57.320 --> 34:01.640]  a month to you. Yeah, yeah, that's right. We can work that out. Well, folks, what you've done,
[34:02.280 --> 34:09.880]  you shot yourself in the proverbial foot. You've just extended the statute of limitations
[34:09.880 --> 34:16.440]  for another three years, seven years, whatever it is to collect that debt because you just entered
[34:16.440 --> 34:24.040]  into a new contract. You just made a verbal contract with the lawyer. And now he's going to
[34:24.040 --> 34:30.040]  send you everything saying that you agree to do this. And if you fall and don't pay, you're going
[34:30.040 --> 34:35.720]  to be right back in that courtroom. Only thing this time, he's well, he or she is well within the
[34:35.720 --> 34:41.880]  statute of limitations to bring that action. People don't know. They just don't know their
[34:41.880 --> 34:47.000]  rights under the law. This stuff is civil laws. It's not, you know, like they're trying to put
[34:47.000 --> 34:52.280]  you in prison or something. This is civil, very basic law. It's very easy to comprehend.
[34:55.640 --> 35:01.800]  Some of these cases, they quit up front. Another gentleman out in Southwest, he sued
[35:03.080 --> 35:08.440]  debt collector and the creditor and the same complaint, which is 90% of these cases are that
[35:08.440 --> 35:15.080]  way. When you get both courses, you'll be dealing with a creditor and a debt collector. Well,
[35:15.080 --> 35:21.400]  when push comes to shove, the debt collectors generally collecting for some big bank or credit
[35:21.400 --> 35:26.680]  card company or something like that. Well, you go after the creditor as well as a debt collector
[35:26.680 --> 35:32.040]  and you drag them both in that federal court and you name the debt collector as the defendant
[35:32.040 --> 35:38.120]  and the creditor as the co-defendant. It's that simple. You break down the complaint, two different
[35:38.120 --> 35:42.760]  halves, all the violations under fair credit, all the violations under debt collection.
[35:45.000 --> 35:49.880]  And that gives you your course of action. See, the big thing you've got to understand is this
[35:49.880 --> 35:57.320]  stuff is not new to the federal courts. It's not new. It's been done for years. It's been done for
[35:57.320 --> 36:05.480]  years. Nobody has to believe me or what I say. I'm a facts kind of guy. Work on facts. Don't
[36:05.480 --> 36:13.320]  make stuff up, you know, all this kind of stuff. You know, show me the facts. And that's spelled
[36:13.320 --> 36:23.880]  F-A-C-T-S, not F-A-X. Go and sign up to PACER, which is the federal government website where
[36:23.880 --> 36:29.160]  you can see all these cases that have been adjudicated. It's public record, folks. Nothing's
[36:29.160 --> 36:39.320]  hidden. It's all there. Sign up to PACER. Go in there. And once you get signed up and join up,
[36:40.280 --> 36:46.440]  you'll have access to all the federal cases across the United States. Most people don't know what
[36:46.440 --> 36:56.680]  PACER is. That's public access to court electronic records. PACER, public access to court electronic
[36:56.680 --> 37:05.080]  records. Yes. And if you're going to pursue these things, this is why it's so important to have just
[37:05.960 --> 37:11.480]  minimal computer skills. Because if you're going to work with Mike Miris, you need him to be able
[37:11.480 --> 37:18.760]  to communicate back and forth via email. You need to be able to log on to PACER and do research
[37:18.760 --> 37:25.880]  to see just how many times have these guys been sued already? What's their track record? How
[37:25.880 --> 37:31.080]  willing are they to settle out of court? And I can tell you right now, it's not going to take very
[37:31.080 --> 37:37.320]  long for these guys to roll over the ones that I'm suing right now because in the situations of
[37:37.320 --> 37:46.200]  both the debt collector and the creditor, every single time they've ever been sued, not one exception,
[37:47.160 --> 37:51.400]  none of the cases have made it out of discovery. They've always settled with the plaintiff
[37:51.400 --> 37:56.680]  out of court and the plaintiff voluntarily dismissed the case. And so this kind of information is
[37:56.680 --> 38:03.080]  necessary for you to know going into the case so that you'll know how hard you need to fight,
[38:03.080 --> 38:10.280]  how hard you can lean on these guys. You've got to be able to get online and do this kind of
[38:10.280 --> 38:18.440]  research and it's not hard, folks. It is so easy. It is just easy as pie. Once you sign up to be
[38:18.440 --> 38:24.920]  on PACER, you pull up your browser window, you type in PACER.org, it comes up, you log in,
[38:25.560 --> 38:29.640]  you type in the name of the party in the search window, boom, boom, boom, boom, boom, boom,
[38:29.640 --> 38:35.560]  there come up the list of all the cases. Believe me, this stuff is really not hard and that's why
[38:35.560 --> 38:40.360]  even Frederick Graves says, you know, his course, an eighth grader can understand it.
[38:40.360 --> 38:47.240]  Yeah. Yeah. And, you know, this boils down to one thing and I always say this, is knowledge is
[38:47.240 --> 38:53.560]  power. You know, I've got my little sign up above my desk here and I look up at it every day
[38:53.560 --> 39:02.920]  and it says, if you know the enemy and you know yourself, you need not fear the results of 100
[39:02.920 --> 39:12.840]  battles, the art of war, sun suit, 2400 years ago. Okay. It's that simple. I, you know, I tell people,
[39:12.840 --> 39:17.320]  again, you don't have to believe a word I'm saying, but like Deborah said, when you open that up,
[39:17.320 --> 39:25.880]  you can go in and do parties in the case and it's a general search engine that will search every
[39:25.880 --> 39:31.880]  federal court across the United States or you can also ask it to check just the federal courts
[39:31.880 --> 39:37.560]  in your state. But I tell people, go in there and put one of the big bank names in there.
[39:39.320 --> 39:45.080]  Okay. And I'm not going to mention any right now, but you put one of these big bank names in there,
[39:45.080 --> 39:51.480]  one of the big ones that issues credit cards and you ask it to do a search and within a few
[39:51.480 --> 40:00.440]  seconds you'll get this page that'll come back and on that page is 54 lawsuits against them. Wow,
[40:00.440 --> 40:11.960]  54. Wow. These guys have been sued 54 times in federal court. Wow. Folks, the only problem is
[40:11.960 --> 40:22.120]  that's page one of 3525 pages with 54 cases on each one. It will take you the next 10 years to
[40:22.120 --> 40:29.560]  read all those cases. You think this is new? This ain't new. And around a long time, these cases
[40:29.560 --> 40:37.480]  have been adjudicated by competent attorneys, competent process, and consumer law attorneys.
[40:37.480 --> 40:43.720]  We don't make this stuff up. It's there. It's in black and white. It's there. So I have a very
[40:43.720 --> 40:52.520]  simple saying, if it works and it ain't broken, don't try and fix it. Go with what works. And
[40:52.520 --> 40:59.480]  he's good. I was just going to say, and folks, you can use this method in this part of the settlement
[40:59.480 --> 41:05.000]  agreement. See, the whole point is to pressure these guys into a settlement agreement, at least
[41:05.000 --> 41:08.840]  for Mike's method. Like Mike was saying, he's got a friend that doesn't want a settlement
[41:08.840 --> 41:14.680]  agreement. He wants them to try to sue him again so he can sue them again and get more money out
[41:14.680 --> 41:21.880]  of them. But in our situation, we do want a settlement agreement. And as part of the settlement
[41:21.880 --> 41:29.240]  agreement, if they have ever won a case against you in state court over the debt, or if they have
[41:29.240 --> 41:37.080]  filed a case against you in state court over the debt, then you turn around and you sue them right
[41:37.080 --> 41:44.360]  away in federal court over these DCPA and FCRA violations. And as part of the settlement agreement,
[41:44.360 --> 41:49.880]  you force them into either dropping the case that they have against you currently in the state court
[41:49.880 --> 41:56.600]  system, or you force them to vacate the judgment against you in state court. We've had that happen
[41:56.600 --> 42:06.280]  more than once, more than once. People have gotten judgments against them, taken into federal court.
[42:06.280 --> 42:11.080]  Oh, you want to settle this? Well, you've got to vacate that judgment, the local court. I have a
[42:11.080 --> 42:16.120]  very good friend of mine. We've become friends. Over the past year, I've worked with them up in
[42:16.120 --> 42:23.960]  the Northwest. He was being sued in the local court and kind of stalled them there. We have
[42:23.960 --> 42:31.320]  a process to do that. Force it to trial. Buy yourself some time. That's in the local court.
[42:32.200 --> 42:36.920]  Bottom line is, is when he sued the creditor and the debt collector attorney, the creditor came
[42:36.920 --> 42:40.440]  back. This is a federal court that said, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, wait a
[42:40.440 --> 42:45.720]  minute, wait a minute. We got nothing to do with this. We wrote this account off and sold it.
[42:45.720 --> 42:57.240]  Really? Really? So then why Mr. Debt Collector Attorney, when you sued me in the local court,
[42:57.240 --> 43:03.400]  you used the creditor's name as the plaintiff in the case when they have nothing to do with it?
[43:03.400 --> 43:09.240]  Oh boy, I bet they, oh boy. That guy could lose his bar card. He could go to jail for that.
[43:09.240 --> 43:15.880]  Well, I don't want to tell you the turmoil that turned out there. They finally settled with the
[43:15.880 --> 43:21.400]  guy the day before that attorney had to appear in that local court, but they were, it's quite a
[43:21.400 --> 43:26.200]  ways away from the local court. He wanted to come in by phone and the local judge said, no,
[43:26.200 --> 43:29.240]  I want you in my courtroom. I'm sure he did. He wanted to admit his jurisdiction,
[43:30.040 --> 43:34.280]  because the judge wanted to know what the heck was going on. It never got there.
[43:34.280 --> 43:41.640]  Yeah, I bet, because he could have gotten hauled off in shackles. Or at the least,
[43:41.640 --> 43:47.640]  he could have gotten sanctioned. Lost his bar card, gone to jail for fraud, you name it.
[43:48.600 --> 43:52.200]  Saying that you represent a client when you never represented him?
[43:53.160 --> 43:56.600]  That's serious business. All right, we got some callers on the line. We'll start taking your
[43:56.600 --> 44:03.400]  calls and we get back. Hey, did you hear Ron Paul has announced he's running for president in 2012?
[44:03.400 --> 44:07.960]  Who's Ron Paul? Really? Okay, put down the cell phone for one minute. Your friends really don't
[44:07.960 --> 44:11.240]  care about your Twitter updates on what you had for breakfast. Oh, but I'd love to make those
[44:11.240 --> 44:15.800]  little smiley faces with punctuation marks. Of course you do. Now, listen closely. You need
[44:15.800 --> 44:19.720]  to go down to Brave New Books and learn as much as you can about Ron Paul and his message before
[44:19.720 --> 44:23.880]  it's too late. They have all of his books and many of the books he talks about. They also have
[44:23.880 --> 44:28.040]  t-shirts, bumper stickers and yard signs so that you can show your support for him during the campaign.
[44:28.040 --> 44:33.160]  Brave New Books? Do they have Harry Potter and Twilight? No, but they do carry a large selection
[44:33.160 --> 44:37.560]  of survival and preparedness books to protect your family in time of emergency. Oh, that sounds
[44:37.560 --> 44:41.640]  like that show in the Discovery Channel. Yeah, there's even a wilderness survival expert that
[44:41.640 --> 44:47.000]  teaches classes called Earth Skills School that you can sign up for on the website bravenewbookstore.com.
[44:47.000 --> 44:51.240]  What are you doing? I'm tweeting all my friends that they should go to bravenewbookstore.com or
[44:51.240 --> 44:55.960]  down to the bookstore in person. Where's it located? 1904 Guadalupe Street. There, it's
[44:55.960 --> 45:04.600]  set. I even made a smiley face. Great. At hempusa.org, we offer chemical-free products to people
[45:04.600 --> 45:10.680]  around the world detoxifying, self-healing while rebuilding the immune system. We urge our listeners
[45:10.680 --> 45:16.840]  to please consider our largest-selling product, micro-plant powder. Our micro-plant powder is
[45:16.840 --> 45:22.520]  rich in silica and probiotics to help rebuild the immune system and to create a healthy stomach
[45:22.520 --> 45:27.720]  flora. Micro-plant powder is excellent for daily intake and is perfect to add to your storage
[45:27.720 --> 45:33.480]  shelter. We urge our listeners to please visit us at hempusa.org. And remember, all of our
[45:33.480 --> 45:38.840]  products are chemical-free and healthy to eat. We constantly strive to give you the best service,
[45:38.840 --> 45:44.760]  highest quality and rapid shipping anywhere, and we offer free shipping on orders over $95 in the
[45:44.760 --> 45:55.000]  U.S. Please visit us at hempusa.org or call 908-6912608. That's 908-6912608. See what our
[45:55.000 --> 46:15.240]  powder, seeds and oil can do for you at hempusa.org.
[46:25.800 --> 46:51.720]  All right, folks, we are back. We're taking your calls. We've got Walt from New York, Joe in Texas.
[46:51.720 --> 46:57.640]  We're going to go to Walt first. Walt, thank you for calling in. What is your question for
[46:57.640 --> 47:03.480]  Michael Maris? Okay. Good evening, Deborah, Eddie and Michael. Michael, I think you might have
[47:03.480 --> 47:08.040]  answered my question, but I'll tell you what the issue is. I have a good friend that's disabled.
[47:09.240 --> 47:13.960]  He has a fixed income. He used to live with his sister. She sort of took care of him,
[47:13.960 --> 47:18.680]  but she used this credit card and built up a big bill that he couldn't pay.
[47:18.680 --> 47:24.280]  He passed away, so the debt collectors are coming after him for years, and I think the
[47:24.280 --> 47:29.080]  statute of limitations are over with all the bills that he owes, but what they do is
[47:29.800 --> 47:33.960]  they call him up and they say, could you just pay $5 towards it or something like that?
[47:33.960 --> 47:37.320]  He agrees to something like that, so does that extend the statute of limitations?
[47:37.320 --> 47:44.600]  Yes, it does. It sure does. It starts the statute of limitations all over again.
[47:44.600 --> 47:49.320]  Yeah, yeah. Unfortunately, people don't know any better and they'll say,
[47:49.320 --> 47:54.280]  geez, for $5, I can get this guy off the phone. Yeah, big mistake.
[47:54.280 --> 47:59.640]  What is all this thing, this unjust enrichment you were talking about? Could you go in that direction
[47:59.640 --> 48:03.960]  with these people, with these collectors? Well, the point is you've got to prove it.
[48:03.960 --> 48:05.640]  Saying it and proving it is two different things.
[48:06.920 --> 48:09.000]  Well, did he pay the $5 or not?
[48:09.000 --> 48:14.760]  Well, he did about six months ago and I told him, I hope that isn't going to extend that
[48:14.760 --> 48:20.120]  statute. Yeah, it does. Is there anything he can do because he really can't pay these bills?
[48:21.880 --> 48:27.240]  Go ahead, Mike. Let me get a question in here. Whose card was the name in?
[48:27.240 --> 48:31.240]  Was it in his name or sister's name? It was his name, but she passed away.
[48:31.240 --> 48:34.680]  She had a brain aneurysm, but she was sort of like didn't care of him.
[48:34.680 --> 48:39.160]  Mike. So he's the holder of the account, essentially. Yes.
[48:39.160 --> 48:45.160]  Not his sister. Okay. I'd want to clear that up because I've seen that too, where people have died
[48:45.160 --> 48:52.200]  and they come after sons and daughters. Okay. Well, and I had a couple in Texas there last
[48:52.200 --> 48:57.400]  year that came to me about that. They had this credit card. They continued to use it,
[48:57.400 --> 49:03.160]  but they were an authorized user and not the holder of the account. And the mother died.
[49:03.160 --> 49:07.560]  And you know, he stopped paying and now they're coming after him. I said, I don't understand
[49:07.560 --> 49:13.800]  that when you're just the authorized user. You know, I don't mean to be nasty, but I told him,
[49:13.800 --> 49:19.640]  I says, tell him to go dig your mama. Okay. Tell that, you know, have fun. Okay. Because
[49:19.640 --> 49:24.440]  that's the person who's responsible for the account. Period. Should he stop making those
[49:24.440 --> 49:29.320]  five dollar payments? Well, when he does, they're going to start sending debt collectors after
[49:29.320 --> 49:32.760]  him. And of course, that's the whole gist of this thing. You want them to come after you in a
[49:32.760 --> 49:40.440]  case like this. Yeah. Yeah. You do validation with them, have them prove the account when they
[49:40.440 --> 49:45.080]  can't prove it. They don't validate. That gives you your course of action to take them to the
[49:45.080 --> 49:52.920]  federal court. And then a lot of times, depending on the amount involved, they'll quit. I mean,
[49:52.920 --> 49:57.880]  you know, a few thousand bucks, you know, they got to go in court. They got to hire a, an attorney
[49:57.880 --> 50:03.560]  who is a member of the federal bar. You just, just because you're an attorney doesn't mean you can
[50:03.560 --> 50:09.160]  go into federal court. You've got to be a member of the federal bar. Okay. So of course, these guys
[50:09.160 --> 50:14.360]  know that and they charge a little extra for that service. And you know, you're trying to collect a
[50:14.360 --> 50:20.760]  $5,000 credit card and it's going to cost them 10 or $20,000 in legal fees. Do you want to go there?
[50:20.760 --> 50:26.440]  How does my friend tell them over the phone, I want you to validate this account? What is it?
[50:26.440 --> 50:33.640]  How do they do that? They'll ignore him. Okay. In my course, there's 18 questions I'm dealing
[50:33.640 --> 50:39.400]  with debt collectors. And we go through a series of questions. See, I get people that contact me
[50:39.400 --> 50:45.160]  and say, Mike, I see on the core ID, their number comes up and I know it's a debt collector. And I
[50:45.160 --> 50:48.280]  say, so why don't you answer it? I said, well, I don't want to talk to them. I don't know what to
[50:48.280 --> 50:52.920]  say to them. I said, let me get this straight in my mind. Okay. Because I'm not perfect.
[50:52.920 --> 51:00.920]  You're in your home. You own your own phone that you pay for once a month or whatever it is. And you
[51:00.920 --> 51:06.040]  won't answer your phone because you're afraid of who's calling you. That's a hell of a way to have
[51:06.040 --> 51:13.480]  to live. I don't get it. Well, I just don't know what to say to these people. Well, in the course,
[51:13.480 --> 51:18.760]  we get into the 18 questions. And there's a lot of things that have to be done prior to that. For
[51:18.760 --> 51:26.520]  instance, they've got to read you your rights. Oh my God, you have rights. Oh, yeah. Wow, rights.
[51:27.720 --> 51:33.800]  The first thing out of their mouth better be this is an attempt to collect it that any information
[51:33.800 --> 51:40.440]  obtained will be used for that person purpose. We call it the mini Miranda warning button.
[51:40.440 --> 51:46.520]  In the real terminology, it's the consumer warning. Every time they contact you, whether it's by phone
[51:46.520 --> 51:51.400]  or mail, they must have that warning either on the paper or they must give it to you over the phone.
[51:51.400 --> 51:55.240]  And when they don't, it's a violation. It's that simple. $1,000.
[51:57.720 --> 52:04.760]  $1,000. Every time they do it. So in the 18 questions, you take control of the phone call.
[52:04.760 --> 52:08.280]  And I've had people use them. They're calling me up and they're chuckling. They're saying,
[52:08.280 --> 52:13.560]  oh my God, I can't believe it. I had one guy come to me and he says, I started with the 18
[52:13.560 --> 52:20.120]  questions and I took control of the conversation and the clerk that was calling me, they turned it
[52:20.120 --> 52:25.560]  over to a manager. And I started with him with the 18 questions and he turned it over to the
[52:25.560 --> 52:33.320]  manager's supervisor and he started with him with the 18 questions. And when he started with that
[52:33.320 --> 52:38.040]  guy, the guy says, sounds like you've been through this before and the guy started laughing. Okay.
[52:38.040 --> 52:45.240]  So it's a matter of knowing what to do. And I'll give you a brief on the questions, you know.
[52:46.040 --> 52:50.360]  They call and say, wait, let me get a paper and pencil and go get the 18 questions. You should
[52:50.360 --> 52:56.840]  keep them by your phone. Can I just ask you one thing though? Yeah. If you ask them to validate
[52:57.720 --> 53:01.880]  No, they won't. They don't have to validate nothing with you. That's not how it works.
[53:01.880 --> 53:04.680]  But how would they do it if they were going to do it? Would they send you something?
[53:04.680 --> 53:08.840]  You send them a validation letter certified mail.
[53:12.440 --> 53:17.320]  And then you have proof in your hand that you enforced your rights under the law when you
[53:17.320 --> 53:21.800]  get the green card back. I sent them a validation letter and asked them to validate.
[53:23.880 --> 53:29.720]  Okay. And when they don't do it, there's your proof that you contacted them. And there's your
[53:29.720 --> 53:34.680]  proof to enforce the law under debt collection. They failed to validate the debt with me.
[53:34.680 --> 53:37.800]  So they have to do that through the mail though when they validate it then?
[53:37.800 --> 53:42.120]  Well, that's the only way I know how to do it. Okay.
[53:42.120 --> 53:45.880]  Conversation on a phone is nothing. All right. Thank you very much.
[53:45.880 --> 53:52.680]  Okay. Good night. Thanks, Walt. Okay. We are now going to Joe in Texas.
[53:53.400 --> 53:56.920]  Joe, thank you for calling in. What is your question for Mike Miris?
[53:56.920 --> 54:06.200]  I was just curious if there's a possible way to get a Texas student loan.
[54:10.280 --> 54:23.800]  I'll just put this where I can get it off my record or whatever, get it to resolve where
[54:23.800 --> 54:28.920]  there's, I don't owe anymore or at least get it where I can get the payments
[54:30.760 --> 54:37.080]  lowered, where I can actually afford to pay them once, at a rate I can afford to pay them.
[54:37.720 --> 54:41.160]  It's difficult. And here's the thing. Okay.
[54:41.160 --> 54:44.440]  This loan is for the Texas guaranteed student loan.
[54:44.440 --> 54:46.920]  Yeah. I was going to say, is it a Sally May loan?
[54:48.680 --> 54:50.760]  I don't know that. I just know it's the Texas.
[54:50.760 --> 54:55.400]  Sally May loan is generally a government loan that comes from the government and the state
[54:55.400 --> 54:57.000]  ensures the loan for the government.
[55:00.840 --> 55:03.000]  I'd have to see if I can find that.
[55:03.000 --> 55:10.200]  See, the issue is this. State and federal county, that kind of stuff,
[55:10.200 --> 55:15.240]  are not subject to the Fair Credit Reporting Act and or the Debt Collection Practices Act.
[55:15.240 --> 55:16.920]  They're exempt from those laws.
[55:16.920 --> 55:22.600]  I know it's tied to federal, but I don't know if it's the Sally May or what it is.
[55:23.720 --> 55:26.920]  The point is Sally May, I could tell you right now,
[55:27.560 --> 55:31.400]  I had a gentleman that I know very well. I've known him for a number of years,
[55:31.400 --> 55:37.160]  and he took Sally May into federal court. He won. He won. They paid him some money to go away,
[55:37.960 --> 55:44.920]  but all they did is they returned the account back to the state that he got his college education
[55:44.920 --> 55:58.200]  in, and now the state is chasing them. He's found a way or he's found a person that can kind of
[55:59.000 --> 56:04.280]  stall these guys. It's a tremendous amount of paper pushing to get them to go away,
[56:05.000 --> 56:13.160]  but it can be done. My thing and your question is, if you went to the local bank
[56:13.160 --> 56:19.960]  and took a loan out at the local bank to go to college, I'd say then you could use Fair Credit
[56:19.960 --> 56:26.680]  Debt Collection, but if you took this out through government agency, you're going to be hard pressed
[56:26.680 --> 56:28.360]  to bring any action against them.
[56:32.920 --> 56:40.200]  So even if I have any results, there's no way to ride off that loan. It's not possible,
[56:40.200 --> 56:47.240]  that's what you're saying. It's difficult. I know this one person through this fella I know
[56:47.240 --> 56:53.720]  who's used this guy's process whereby you see one of the things you get into as you
[56:53.720 --> 57:02.280]  start studying this stuff, you find out that they're corporations. If you get them to admit that,
[57:02.280 --> 57:07.640]  then they do fall under the law and you become the proverbial pain in the butt with this thing.
[57:07.640 --> 57:14.200]  It can be done. You can fight them, make them go away. They were threatening to get this guy's
[57:15.240 --> 57:21.960]  medical license revoked. Never happened. He's in a totally different state, was a bunch of bull,
[57:23.560 --> 57:28.040]  and I know, I haven't talked to him recently about it, but I know the guy and I
[57:29.160 --> 57:35.720]  certainly talked to him at any time, and I know that they're pushing a bunch of papers,
[57:35.720 --> 57:41.800]  and I don't know the whole process. I don't get into that a lot, but there's always something
[57:41.800 --> 57:45.400]  out there that you can use to fight these guys, my humble opinion.
[57:46.360 --> 57:55.320]  And let's say I'm able to go through a process like you're talking, and they're really upset about
[57:55.320 --> 58:00.920]  that situation where I was able to get either most of it relieved or all of it relieved,
[58:00.920 --> 58:07.720]  and can they come back and have the IRS come back and harass the hell on me?
[58:08.440 --> 58:11.720]  I can't answer that question. I don't know.
[58:13.640 --> 58:19.960]  Well, I was going to add one more remedy in there, Joe, which is concerning the student loan issue.
[58:20.520 --> 58:26.040]  You could take out a bunch of credit cards or a few big credit cards and use the credit cards to
[58:26.040 --> 58:31.000]  pay off your student loan debt, and then, well, I'm not suggesting this as an option,
[58:31.000 --> 58:35.960]  but if you just so happen to not be able to make the payments on the credit card and default it
[58:35.960 --> 58:40.680]  on the credit cards, then you could always easily use the might nearest method to go after them
[58:40.680 --> 58:46.440]  to solve that problem. Okay. That answers most of my questions. Thank you very much.
[58:46.440 --> 58:51.720]  Okay. Thank you, Joe. All right. When we get back after the top of the hour break,
[58:51.720 --> 58:56.200]  we've got Celia and Josie. We'll be right back, folks.
[59:51.720 --> 01:00:00.200]  0102 or by ordering online at freestudybible.com. That's freestudybible.com.
[01:00:22.040 --> 01:00:30.200]  $500 in real terms compared to 2008. Compared to 2007, average income was down $8,500.
[01:00:30.200 --> 01:00:35.080]  Average income in 2009 was at its lowest level since 1997.
[01:00:36.840 --> 01:00:41.880]  Microsoft made record sales of nearly $17.4 billion in its fourth quarter,
[01:00:41.880 --> 01:00:50.600]  but paid only $445 million in taxes, just 7% of its $6.32 billion pre-tax profit.
[01:00:50.600 --> 01:00:56.840]  The company said it had a $461 million refund from the IRS for previous overpayments
[01:00:56.840 --> 01:01:00.760]  and was channeling earnings from sales to customers throughout the world
[01:01:00.760 --> 01:01:04.840]  through the low tax havens of Ireland, Puerto Rico, and Singapore.
[01:01:06.120 --> 01:01:11.560]  WikiLeaks State Department cables show that both Barack Obama and his predecessor declined to
[01:01:11.560 --> 01:01:17.320]  sanctions Syrian officials who are now involved in a harsh crackdown on dissidents. Sanctions would
[01:01:17.320 --> 01:01:22.760]  have prevented U.S. firms from conducting business with the repressive regime. Until this week,
[01:01:22.760 --> 01:01:26.520]  the Obama administration refused to call for Assad to leave office.
[01:01:28.440 --> 01:01:33.640]  A judge is allowing an army veteran who says he was imprisoned unjustly and tortured by the U.S.
[01:01:33.640 --> 01:01:39.480]  military in Iraq to sue former Defense Secretary Donald Rumsfeld personally for damages. The
[01:01:39.480 --> 01:01:44.920]  unnamed veteran worked for a U.S. contractor as a translator before being detained for nine months
[01:01:44.920 --> 01:01:50.280]  at Camp Cropper near Baghdad Airport. The Justice Department argue the former Defense
[01:01:50.280 --> 01:01:56.280]  Secretary cannot be sued personally for official conduct. A new study shows people who deny the
[01:01:56.280 --> 01:02:02.600]  existence of climate change are predominantly conservative white males or CMWs. Sociologists
[01:02:02.600 --> 01:02:08.600]  from Oklahoma and Michigan State universities reviewed polls showing 14% of the general public
[01:02:08.600 --> 01:02:15.880]  doesn't worry about climate change, whereas among CMWs, it's 39%. 32% of adults deny there's a
[01:02:15.880 --> 01:02:23.240]  scientific consensus on climate change, but 59% of CWMs deny there's such a consensus. Three adults
[01:02:23.240 --> 01:02:29.240]  in 10 don't believe recent global temperature increases are primarily caused by human activity,
[01:02:29.240 --> 01:02:35.880]  while among CWMs, the factor is 6 in 10. The sociologists point out that although CWMs are a
[01:02:35.880 --> 01:02:41.800]  minority in the U.S., they have disproportionate political power and contributed significantly
[01:02:41.800 --> 01:02:47.720]  to the rising climate change denial in the U.S. The researchers speculate an urge to justify
[01:02:47.720 --> 01:02:52.600]  the political belief systems blinds CMWs to the reality of climate change.
[01:02:52.600 --> 01:03:11.560]  You are listening to the Rural Law Radio Network at RuralLawRadio.com, live free speech talk radio
[01:03:11.560 --> 01:03:24.520]  at its best.
[01:04:12.520 --> 01:04:19.560]  Okay folks, we are taking your call. We have our very special guest, Michael Meares on the line.
[01:04:20.440 --> 01:04:27.480]  We do have his product, his course, Michael Meares' method on how to deal with debt collectors
[01:04:27.480 --> 01:04:37.080]  and creditors, and of course credit bureaus. That is the last step. Mainly, the story is this.
[01:04:37.080 --> 01:04:41.480]  First guys that you see are the debt collectors, and you usually see the debt collector and the
[01:04:41.480 --> 01:04:49.000]  creditor at the same time you name the creditor as the co-defendant. His course part, number two,
[01:04:49.880 --> 01:04:55.400]  where you just see the creditors, that's for situations where you've got an older
[01:04:57.400 --> 01:05:01.640]  entries on your credit report where you don't really have any debt collectors chasing you over
[01:05:01.640 --> 01:05:06.600]  it, but it's just there causing you problems on the credit report. If that, and then there's
[01:05:06.600 --> 01:05:13.000]  a third part to the course where you actually sue the credit bureaus themselves for reporting
[01:05:13.000 --> 01:05:17.400]  inaccurate information, but you don't want to go directly to suing the credit bureaus first
[01:05:17.400 --> 01:05:23.240]  because if you don't solve the problem of nipping it in the bud where these debt collectors keep
[01:05:23.240 --> 01:05:29.160]  turning it over and over and over again to each other every six months, it can always come back
[01:05:29.160 --> 01:05:35.240]  and bite you. And so that's why in the settlement agreement part of the deal is you agree not to
[01:05:35.240 --> 01:05:42.920]  ever sell or transfer this information or this alleged account or alleged debt to anyone ever
[01:05:42.920 --> 01:05:48.680]  again, and that keeps you from having to do this again in another six months or another two years
[01:05:48.680 --> 01:05:54.200]  or who knows how long. Let me jump in there real quick, Deborah. The two courses that are offered
[01:05:54.200 --> 01:05:58.600]  is one, how to stop debt collectors and the other course is dealing with the creditor
[01:05:58.600 --> 01:06:04.840]  or how to get them out of your credit report. And then real simple, how to stop debt collectors
[01:06:04.840 --> 01:06:10.360]  addresses the law under the Debt Collection Practices Act. The other course dealing with the
[01:06:10.360 --> 01:06:15.080]  creditors or how to get them out of your credit report is dealing with the Fair Credit Reporting
[01:06:15.080 --> 01:06:20.200]  Act. And the idea is you put them both together and now you have everything you need to go get
[01:06:20.200 --> 01:06:26.760]  them. All right. And one other thing before you bring that call around, let me clarify this
[01:06:26.760 --> 01:06:31.400]  because this is very important for people to understand and this is another issue I run into
[01:06:31.400 --> 01:06:36.680]  people will keep saying, well, Mike, I had this credit card, I had this account, I defaulted.
[01:06:36.680 --> 01:06:42.920]  Unfortunately, it's not about your credit card or the amount you defaulted on or anything like
[01:06:42.920 --> 01:06:50.120]  that. It's not about the debt. It's not about the account. It's what you did to violate my civil
[01:06:50.120 --> 01:06:56.040]  rights under the law by not following the law, Mr. Debt Collector, Mr. Creditor. And this is the
[01:06:56.040 --> 01:07:01.720]  hardest thing you'll have to teach them doing this stuff because all they see is the debt you
[01:07:01.720 --> 01:07:09.240]  owed money, you failed to pay. But it's not about that. It's what you, Mr. Debt Collector, Mr.
[01:07:09.240 --> 01:07:15.240]  Creditor, failed to do under the Fair Credit and or Debt Collection Practices Act violated my civil
[01:07:15.240 --> 01:07:25.480]  rights. Very simple. Civil rights violation case, quite simple. The debt or the legitimacy of it
[01:07:25.480 --> 01:07:34.760]  is completely irrelevant. It's absolutely irrelevant. Yep. Okay. Now we're going to go to Josie in
[01:07:34.760 --> 01:07:40.840]  Texas. Josie, thanks for calling in. What's your question for Michael Maris? Oh, hi. Yeah. I've been
[01:07:40.840 --> 01:07:48.600]  trying to get some stuff taken off my credit report. And, well, there's one that I filed
[01:07:48.600 --> 01:07:59.000]  in Chapter 13 and the year 2000. And, well, we didn't finish the Chapter 13. So, in 2006,
[01:07:59.000 --> 01:08:07.080]  I mean, 2005, we filed in Chapter 7. So, I didn't know better. So, I included that debt,
[01:08:07.080 --> 01:08:14.600]  that I included in 2000. And I've been trying to get it taken off. And I know them a copy
[01:08:14.600 --> 01:08:20.600]  of my, you know, the Schedule F of the bankruptcy. And they're still refusing to take it off.
[01:08:21.720 --> 01:08:29.080]  Right. Even though it's 10 years over, 11 years. Yeah. The statute on limitations to
[01:08:29.080 --> 01:08:34.920]  reporting your credit report on a bankruptcy is 10 years. So, it's over 10 years old. It
[01:08:34.920 --> 01:08:41.480]  should not be being reported in your credit report. Well, first it was reported in Chapter 13 and
[01:08:41.480 --> 01:08:49.960]  year 2000. So, it didn't actually be reported in Chapter 7. Right. Yeah. Well, regardless,
[01:08:49.960 --> 01:08:56.840]  if it's, you know, if you actually filed and completed the bankruptcy, that is going to
[01:08:56.840 --> 01:09:02.120]  stay on your credit report for 10 years. Oh, really? Oh, thank you. Okay. If you completed
[01:09:02.120 --> 01:09:08.440]  the bankruptcy, now, if you, in somewhere in the middle of it, decided, I don't want to do this,
[01:09:08.440 --> 01:09:14.840]  I'm withdrawing the bankruptcy, that's another whole situation. Well, it doesn't matter to me
[01:09:14.840 --> 01:09:21.480]  if I filed a 13 or a 7. That's, they don't care. It's going to show up as a bankruptcy.
[01:09:22.920 --> 01:09:29.160]  I thought it just stays on your credit report for seven years. No, 10 years on a bankruptcy. That's
[01:09:29.160 --> 01:09:35.960]  why people who talked to me in the past talked about filing bankruptcy. And that's one of the
[01:09:35.960 --> 01:09:41.640]  worst things you can do because the impact of that on your score on your credit report is
[01:09:41.640 --> 01:09:47.880]  devastating. Okay. It's better to have collections on your credit report. It doesn't impact the
[01:09:47.880 --> 01:09:55.320]  credit report as much. But the point is people, you know, get the bind. They don't know what to do.
[01:09:55.320 --> 01:10:01.720]  And I just got a file bankruptcy. Go from there. Unfortunately, that's, there's other ways of doing
[01:10:01.720 --> 01:10:09.880]  these things. And I read into people, I work with a gentleman out of California, he's got 25
[01:10:09.880 --> 01:10:17.080]  credit cards he's in before bond, and he doesn't want to file bankruptcy. Okay. So, you know,
[01:10:17.080 --> 01:10:22.040]  there's a lot of different ways to go at this stuff. Unfortunately, if it's a legitimate
[01:10:22.040 --> 01:10:25.800]  bankruptcy, it's going to stay on your credit report for 10 years. Now,
[01:10:25.800 --> 01:10:34.120]  when they get those bankruptcies, they obtain that from the court records, believe it or not,
[01:10:34.120 --> 01:10:38.200]  the credit bureaus have people that work for them that go into the courthouses and look for
[01:10:38.200 --> 01:10:42.920]  this stuff. And they pay them so much an hour to provide credit bureaus with that information.
[01:10:42.920 --> 01:10:50.440]  I've had people that started a bankruptcy and then withdrew, canceled bankruptcy, but yet
[01:10:50.440 --> 01:10:56.360]  they're still reporting that bankruptcy in the credit report. So, we've had to go after them for
[01:10:56.360 --> 01:11:01.960]  that. But it gets to be very interesting because once you can show and you got the document that
[01:11:01.960 --> 01:11:09.480]  the case was withdrawn, what are you doing in my credit report? Okay. So, there's a lot of
[01:11:09.480 --> 01:11:15.880]  different angles to this stuff, a lot of different angles. And the point is, is once you learn them,
[01:11:15.880 --> 01:11:22.200]  you can get a lot of resolutions. But if you completed the bankruptcy and went through with it
[01:11:22.200 --> 01:11:28.360]  totally, that unfortunately is going to be on your credit report for 10 years. Okay. One more
[01:11:28.360 --> 01:11:37.160]  thing, I have some collections in 2008, but with your method, there way I can get that taken off
[01:11:37.160 --> 01:11:47.240]  my credit report. Sure. That's easy. They get a judgment against them or anything like that? No.
[01:11:47.240 --> 01:11:53.880]  They didn't sue him in the local court? I'm sorry, I don't understand what you...
[01:11:53.880 --> 01:11:58.360]  They didn't sue him in the local court, send them letters, we're going to sue you or Adam
[01:11:58.360 --> 01:12:03.480]  serve with the summons to appear in local court? Oh, no. No. So, they're just going to spread
[01:12:03.480 --> 01:12:08.760]  the credit report. That's an easy one to get rid of. Yeah. Okay. So, with your method, I can get
[01:12:08.760 --> 01:12:16.920]  it taken off? Yeah. Yeah. Okay. Yeah. If they're just in the credit report now, it depends on how
[01:12:16.920 --> 01:12:21.480]  much money's involved, but sometimes I've seen horrendous amounts of money's involved, but
[01:12:22.600 --> 01:12:27.960]  if it's... I've had people come to me and they're trying to collect $80 from them and they're in
[01:12:27.960 --> 01:12:34.840]  their credit report. Okay, boys, let's go. Let's go. I love it. Oh, okay. But with your method,
[01:12:34.840 --> 01:12:41.240]  that means there's no going to court, is there? There may be. You may have to go. You may have
[01:12:41.240 --> 01:12:45.480]  to go to federal court, but you have to understand federal court is not like the local courts.
[01:12:45.480 --> 01:12:51.960]  It's very late back. And you don't go in and make appearances before the judge and all that,
[01:12:51.960 --> 01:12:58.520]  and have to sit there and argue, that don't happen. Okay? The thing that happens is once you
[01:12:58.520 --> 01:13:05.400]  file a complaint, federal court, they get served, the defendant, and then a couple of things happen.
[01:13:05.400 --> 01:13:09.560]  They have to, first of all, they have to respond to the complaint, and they have 21 days to do
[01:13:09.560 --> 01:13:15.160]  that. If they don't respond in 21 days, you can file for equal judgment because they failed to
[01:13:15.160 --> 01:13:22.520]  follow the rules. And sometimes they come back and they deny everything, and they do a motion to
[01:13:22.520 --> 01:13:27.880]  dismiss, and you come back with your answers, and it gets moved ahead, and the judge may have a
[01:13:27.880 --> 01:13:34.360]  conference with you, or the Rule 16 conference, determine if it's going to go to discovery.
[01:13:36.280 --> 01:13:40.840]  And at that point, you'll discuss the case. Sometimes it's done by phone. Sometimes you're
[01:13:40.840 --> 01:13:44.600]  in the judge's chambers, and sometimes you're in the courtroom, but there's nobody in the courtroom.
[01:13:44.600 --> 01:13:52.680]  I can almost assure you that because federal court is pretty empty. Okay. And nobody's sworn in,
[01:13:52.680 --> 01:13:57.240]  there's not a bailiff there, standing there with a night stick or a gun or anything like,
[01:13:57.240 --> 01:14:04.520]  you know, see that federal court. It's much more organized. Okay. And the point is 99% of this stuff
[01:14:04.520 --> 01:14:11.720]  is paper pushing. Paper pushing, and he's got the better papers wins. Okay. Okay. Thank you.
[01:14:11.720 --> 01:14:17.400]  Sure. Yeah. And listen, it's really not that scary. I mean, and most of the time, like,
[01:14:18.120 --> 01:14:22.920]  you're not even going to have to go to trial. Like Mike was telling me the other day, he deals with
[01:14:22.920 --> 01:14:27.960]  hundreds of clients. He's dealt with hundreds, maybe even thousands of clients. He's not seen one
[01:14:27.960 --> 01:14:34.600]  case go to trial, not once, because by the time it gets into full blown discovery, and they get hit
[01:14:34.600 --> 01:14:39.080]  with these interrogatories and requests for productions and requests for admissions,
[01:14:39.080 --> 01:14:46.360]  they look at that and they say, Oh, no, we better settle with this person before we get to trial.
[01:14:46.360 --> 01:14:51.800]  And they always come whining to the table wanting a settlement agreement. It never even goes to trial.
[01:14:52.520 --> 01:14:57.800]  Well, Paul too, Deborah, the other point of that is, and I always make a joke about this, you know,
[01:14:57.800 --> 01:15:04.440]  if it did go to trial, and you always demand trial by jury and your complaint, you want to put those
[01:15:04.440 --> 01:15:11.240]  12 people on that jury to hear this story. Okay. And always get about that. You know, the 12 people
[01:15:11.240 --> 01:15:18.520]  on the jury that don't have credit reports, you know those 12 people? Does anybody know those
[01:15:18.520 --> 01:15:26.440]  12 people? How about the judge? Do you think the judge has got a credit report? And all you need
[01:15:26.440 --> 01:15:33.320]  is one person on that jury who's been through what you have been through to sit there and hear this
[01:15:33.320 --> 01:15:39.880]  story? They can't find an unbiased jury is the point. That's the legalese wording. They can't
[01:15:39.880 --> 01:15:45.160]  find an unbiased jury. Everybody's got a credit report. There's pretty good chance that somebody
[01:15:45.160 --> 01:15:50.040]  on that jury in their lifetime has been through problems either with the credit bureau, the credit
[01:15:50.040 --> 01:15:57.240]  card people, the lenders, whatever. They're not going to get much sympathy. Okay. Bye. Thank you.
[01:15:57.240 --> 01:16:06.440]  Bye. Bye. Bye. Thank you. Bye-bye. Okay. We are going to go now to Lee in Texas. Lee,
[01:16:06.440 --> 01:16:10.760]  thank you for calling in. What is your question from Mike Merritt? Well, sir,
[01:16:11.480 --> 01:16:17.080]  I actually had an add-on for the gentleman that was talking about the student loans.
[01:16:19.080 --> 01:16:25.800]  And that is that if you are a disabled person and prove to be permanently disabled,
[01:16:25.800 --> 01:16:32.280]  they have to discharge the student loans. I was in a situation where I had actually
[01:16:32.280 --> 01:16:39.880]  paid off my student loans, but hello? Yep. We're going to break. Just stay right there, Lee. Okay.
[01:16:39.880 --> 01:16:44.520]  Sorry. All right. Folks, if you have anybody out there that has questions for Michael Merritt,
[01:16:45.080 --> 01:16:52.680]  you can call in 512-646-1984. We are only taking questions on topic right now. So if you have
[01:16:52.680 --> 01:16:58.120]  questions for traffic tickets or other issues, please wait to call back tomorrow. We'll be right back.
[01:17:01.000 --> 01:17:05.400]  Capital Corn and Bullion is a family-owned and operated business that has helped many families
[01:17:05.400 --> 01:17:10.200]  and friends in protecting their assets. And we would like to do the same for you. In addition
[01:17:10.200 --> 01:17:17.240]  to Corns and Bullion, we now offer PatriotSafe ammunition, Berkey water products, gift certificates,
[01:17:17.240 --> 01:17:23.960]  wristbands, and our new Silver Pool, a new way to guarantee silver by prepaying at a lost price.
[01:17:23.960 --> 01:17:33.480]  We can even help you set up a metals IRA account. Call us at 512-646-6440 for more details. As always,
[01:17:33.480 --> 01:17:39.640]  we buy, sell, and trade precious metals and cater to those with all sizes of coin collections.
[01:17:39.640 --> 01:17:46.120]  We're located at 7304 Burnett Road, Suite A, about a half a mile north of Canaan,
[01:17:46.120 --> 01:17:51.880]  next to the Ikiban Sushi and the Genie Car Wash. We're open Monday through Friday 10-6,
[01:17:51.880 --> 01:17:59.480]  Saturdays 10-5. Visit us at CapitalCornandBullion.com or call 512-646-6440.
[01:18:00.200 --> 01:18:06.120]  My name is Randall Kelton, and I co-host on Rule of Law Radio. We specialize in showing people
[01:18:06.120 --> 01:18:11.080]  how to strike back against corrupt public officials. With the mortgage crisis worsening,
[01:18:11.080 --> 01:18:15.720]  we set our sights on finding a remedy for people who have been cheated by their lenders.
[01:18:15.720 --> 01:18:20.920]  If you have a mortgage or have paid yours off, you have probably been cheated out of thousands.
[01:18:20.920 --> 01:18:31.240]  But there is a remedy. Go to remediesinrealestate.com or call me at 512-430-4140 and find out how to
[01:18:31.240 --> 01:18:37.080]  use the consumer protection laws to recover what the lenders have stolen through fraud and deception.
[01:18:37.080 --> 01:18:42.040]  We will prepare for you a qualified written request that will expose the fraud and put
[01:18:42.040 --> 01:18:47.880]  the lenders on the dime. Lender fraud is bankrupting this country and it's time to fight back.
[01:18:47.880 --> 01:18:57.640]  Go to remediesinrealestate.com or call 512-430-4140 and get the information you need to stop the
[01:18:57.640 --> 01:19:13.560]  money changers in their tracks.
[01:19:27.640 --> 01:19:35.800]  Now I can see your hands. You put the fear in my pockets. Took the money from my hands.
[01:19:35.800 --> 01:19:43.560]  Ain't gonna fool me with that same old trick again.
[01:19:43.560 --> 01:20:00.680]  Ain't gonna fool me.
[01:20:00.680 --> 01:20:09.480]  Ain't gonna drop me with that same old sucker punch. I get it now, but then I must have been out of
[01:20:09.480 --> 01:20:17.560]  my mind. Back then you had room to move, but now you're feeling the drive. Ain't gonna get me with
[01:20:17.560 --> 01:20:25.400]  that same old sucker punch.
[01:20:25.400 --> 01:20:45.880]  Alright folks, we are back. We are taking your calls from Michael Maris, 512-646-1984.
[01:20:47.320 --> 01:20:52.280]  Lee dropped off the line, but we do have Eric from Wisconsin on the line. Eric,
[01:20:52.280 --> 01:20:55.400]  thank you for calling in. What is your question for Michael Maris?
[01:20:55.400 --> 01:21:00.840]  Yeah, you had mentioned that filing bankruptcy was the worst thing you can do.
[01:21:02.200 --> 01:21:08.760]  Let's say for the sake of the argument that somebody's credit is just so bad it appears
[01:21:08.760 --> 01:21:12.600]  to be unfixable. What would you recommend the starting point be for them?
[01:21:13.880 --> 01:21:18.520]  Well, if it's that bitch, probably we have debt collectors coming after you and you
[01:21:18.520 --> 01:21:26.120]  turn the tables on them and go after them. And same with the creditors. You can do this.
[01:21:26.120 --> 01:21:29.000]  It's been done by hundreds of people, plenty of times.
[01:21:31.000 --> 01:21:34.680]  Yeah, what do you mean by credit is so bad it's unfixable?
[01:21:35.320 --> 01:21:41.720]  Well, you know, let's see. You've got medical bills. You've got medical bills are easy.
[01:21:41.720 --> 01:21:49.240]  Okay, but let's say you just totally blew your whole life away and just
[01:21:50.360 --> 01:21:56.760]  didn't care for the longest time. And now that you care, you want to fix things. What would
[01:21:56.760 --> 01:22:03.720]  you recommend? Well, first of all, time is on your side. The more you can spoil these guys,
[01:22:04.280 --> 01:22:07.960]  you've got statute of limits on collect and debts, et cetera, et cetera.
[01:22:07.960 --> 01:22:12.360]  Well, the best time for me to do is that you want to get the credit report cleaned up so you
[01:22:12.360 --> 01:22:18.280]  can get your credit back. Great. Yeah. And that's done very easily by going after the creditors
[01:22:18.280 --> 01:22:22.600]  and or debt collectors that are in the report. You just have to do it one. You've got to do it one
[01:22:22.600 --> 01:22:27.400]  at a time. Sure. No, isn't that expensive? I mean, do you need a lawyer or do you?
[01:22:28.120 --> 01:22:33.000]  That's the whole point of this whole method. And by the way, is this Eric who's going to be doing
[01:22:33.000 --> 01:22:40.920]  my website? It sure is. Folks, this is Eric Sayward. He is my website savior, so to speak,
[01:22:41.960 --> 01:22:47.480]  that is going to be helping us revamp this website. And we do much appreciate. And folks,
[01:22:47.480 --> 01:22:55.480]  if you look at the chip in on ruleoflawradio.com, we are almost there. We are 75% of the way there.
[01:22:55.480 --> 01:23:02.440]  So we only need about another $250. And Eric will get started on our brand new social networking
[01:23:02.440 --> 01:23:09.800]  website as soon as possible. So Eric, yeah, no, you don't need an attorney. Michael Maris
[01:23:09.800 --> 01:23:13.880]  is walking me through one of these suits right now. And once you've done one,
[01:23:13.880 --> 01:23:20.280]  they're all the same, right, Mike? Yeah. And the point, yeah, it's just practice makes perfect.
[01:23:20.280 --> 01:23:25.000]  The same thing. You just thought every case, the only thing that changes is the names of the
[01:23:25.000 --> 01:23:31.880]  benefits and the dates and primes. Expensive, if you do it yourself, it's not expensive at all. In fact,
[01:23:33.080 --> 01:23:39.320]  if you have money problems and you can't pay the filing fees, you can file Informa Porporis.
[01:23:41.160 --> 01:23:45.480]  Informa Porporis is the Latin term, the legalese term for a poor person.
[01:23:45.480 --> 01:23:55.320]  And all your fees are laid with federal court. And then your summonses have to be served.
[01:23:56.920 --> 01:24:07.480]  And generally, if you're Informa Porporis, the clerk of the court and better yet,
[01:24:08.120 --> 01:24:12.600]  the U.S. Marshals serve the summons. How'd you like them, boys?
[01:24:12.600 --> 01:24:22.680]  Stowing up at your front door, pal. Okay. So there's even ways getting around the issue.
[01:24:22.680 --> 01:24:26.920]  I tell people, you know, if they're just making ends meet, you got nothing to lose,
[01:24:26.920 --> 01:24:32.920]  but to file Informa Porporis. It's a two-page document. Only the judge sees it. And the judge
[01:24:32.920 --> 01:24:39.560]  determines if you can move ahead at Informa Porporis. And then it all, everything is free from that
[01:24:39.560 --> 01:24:48.600]  point on. Okay. So it's a very cheap fix. You know, the point is trying to get lawyers to do
[01:24:48.600 --> 01:24:52.040]  this. And I've talked to plenty of people who have tried to do this with lawyers.
[01:24:52.680 --> 01:24:58.680]  Lawyers belong to the Bar Association. Most of them do. Not all of them. Consumer law attorneys,
[01:24:58.680 --> 01:25:02.040]  a lot of them are not members of the Bar Association. And here's why.
[01:25:02.040 --> 01:25:10.440]  These debt collectors that come after you are generally lawyers. Would you say that's a reasonable
[01:25:10.440 --> 01:25:17.000]  statement to make that I just said that? Absolutely. Okay. And now you're a lawyer and
[01:25:17.000 --> 01:25:21.880]  you're going to take your buddy, lawyer, the debt collector lawyer, into federal court and
[01:25:21.880 --> 01:25:28.520]  sue him for violations of the Debt Collection Practices Act. And then you get to go to that
[01:25:28.520 --> 01:25:35.320]  quarterly or monthly Bar Association meeting. And then you got to look at him or her sitting
[01:25:35.320 --> 01:25:41.560]  across the table from you while you're there partying with everybody. Think about it. If you
[01:25:41.560 --> 01:25:48.920]  were in that position, so he has a prosa litigant, you don't have that problem. And the federal courts
[01:25:49.560 --> 01:25:55.080]  have been instructed by the Supreme Court of the United States as well as the Congress to give
[01:25:55.080 --> 01:26:02.920]  prosa litigants a wide berth. People can't believe the help they get when they go in there. Okay.
[01:26:04.040 --> 01:26:09.880]  And it's not like a local court at all. It's totally different. And I'm going to tell you
[01:26:09.880 --> 01:26:19.560]  something else. Some of these federal courts have a prosa office attached to them where you can go
[01:26:19.560 --> 01:26:28.120]  in and ask all these questions and they will help you the prosa office. Okay. Bigger cities,
[01:26:28.120 --> 01:26:34.360]  they'll have a prosa office attached to the federal court. And Mike will help you too when you buy
[01:26:34.360 --> 01:26:41.880]  his course. That's getting going and getting up and in there. That's a trick. Okay. And doing
[01:26:41.880 --> 01:26:48.120]  everything right, preparing a complaint correctly. That's, you will learn how to do that. You will
[01:26:48.120 --> 01:26:54.360]  do that stuff. I don't do that stuff. I have examples, but you're the guy that does the actual
[01:26:54.360 --> 01:27:02.680]  typing and copying and pasting and all that. Okay. So, but you do have recourse because you got
[01:27:02.680 --> 01:27:07.560]  somebody in your corner who's been through this enough. You can look at stuff and say,
[01:27:07.560 --> 01:27:15.560]  this is what I would do if I was in your shoes. Okay. So that's the beauty of this. I've seen
[01:27:15.560 --> 01:27:22.840]  these guys quit right up front. I've seen some cases go on and last for months. Okay. Because
[01:27:22.840 --> 01:27:30.120]  we go into discovery. And discovery, again, it's all paper pushing. It's, you get to ask
[01:27:30.120 --> 01:27:36.040]  interrogatories and those are questions. You get to ask admissions and denials, production of
[01:27:36.040 --> 01:27:43.880]  documents. You get the pose up to 10 people. That means you can sit one of these guys down
[01:27:43.880 --> 01:27:50.040]  and do a deposition and ask them some questions they might not want to answer. The big question is,
[01:27:50.040 --> 01:27:56.040]  and this is what I always tell people, the big question is, is do they want to go there?
[01:27:56.760 --> 01:28:02.840]  That's the question. Do you want to find out? Let's go. Let's find out. It's that simple.
[01:28:05.880 --> 01:28:12.920]  I've seen so much fraud, accounts that were, people were sued on that were outside the
[01:28:12.920 --> 01:28:18.200]  statute of limitation, gotten judgments against them. I can't believe this stuff. And I see it
[01:28:18.200 --> 01:28:22.840]  all the time. People just don't know the law. I don't know their rights under the law.
[01:28:24.440 --> 01:28:30.440]  Well, that's what it boils down to. Yeah. Yeah. Yeah. You know, I went through this myself,
[01:28:30.440 --> 01:28:37.000]  personally, back in 2001, went through the worst and my credit got all screwed up and
[01:28:37.000 --> 01:28:40.680]  making a good living, making money. And I told these creditors up and say, Hey,
[01:28:40.680 --> 01:28:45.720]  you know, I missed a couple of payments. It's affecting my credit report. Can we work something
[01:28:45.720 --> 01:28:51.560]  out? Oh, sure. Yeah, no problem. Okay. So you will remove that derogatory information if I pay
[01:28:51.560 --> 01:29:00.120]  everything. Oh, no, we can't do that. Really? So let me get this straight. I stand up, I clear
[01:29:00.120 --> 01:29:04.840]  the account, I pay everything off, and you're going to badmouth me for another seven years after
[01:29:04.840 --> 01:29:12.680]  I did the right thing. Hmm. How was that fair? Well, I learned how to make it fair, my friend,
[01:29:12.680 --> 01:29:18.760]  six times in federal court, personally, you will get their attention. Right. So do you have like
[01:29:18.760 --> 01:29:24.280]  a program, a disc, a book? What do you got there? There's on the website on the front page, the main
[01:29:24.280 --> 01:29:28.920]  page, there's a flashing banner halfway down three quarters of the way down on the right. It's got
[01:29:28.920 --> 01:29:35.320]  my name in it. You click on that and you purchase the courses there and they come to you almost
[01:29:35.320 --> 01:29:43.240]  immediately via email as an attachment, PDF courses. Sweet. I'm sold and Deborah, I already started
[01:29:43.240 --> 01:29:48.440]  on the website and I look forward to giving you an example of it next week. Oh, thank you, Eric.
[01:29:49.160 --> 01:29:55.400]  Really appreciate it. Hey, we got to support each other. All right, folks, we'll be right back after
[01:29:55.400 --> 01:30:02.120]  this very short break. 512-646-1984. Top 10 reasons to question the official story of the
[01:30:02.120 --> 01:30:07.000]  Oklahoma City bombing. Number nine, the extra leg. Former Oklahoma State medical examiner,
[01:30:07.000 --> 01:30:11.800]  Dr. Fred Jordan, had stated, we had eight people with amputated left legs and nine left legs to
[01:30:11.800 --> 01:30:16.760]  account for. Chief pathologist for Northern Ireland, T. K. Marshall, who performed over 2,500
[01:30:16.760 --> 01:30:21.160]  autopsies in his time, stated, there's never been an unknown victim. This leg belonged to a
[01:30:21.160 --> 01:30:26.120]  perpetrator close enough to the bomb or his body to be damaged, leaving only a left leg behind.
[01:30:26.120 --> 01:30:29.640]  Who was this person? Please go to okcbombingtruth.com.
[01:30:33.240 --> 01:30:39.000]  RFID technology can be used to identify, track and locate things like boxes as they move through
[01:30:39.000 --> 01:30:44.120]  a warehouse. But would you use the technology to send social smoke signals? Look at Dr.
[01:30:44.120 --> 01:30:49.640]  Kaepfer and Albert and I'll be back with more in just a moment. Privacy is under attack. When you
[01:30:49.640 --> 01:30:54.680]  give up data about yourself, you'll never get it back again. And once your privacy is gone,
[01:30:54.680 --> 01:31:00.600]  you'll find your freedoms will start to vanish too. So protect your rights. Say no to surveillance
[01:31:00.600 --> 01:31:06.360]  and keep your information to yourself. Privacy, it's worth hanging on to. This public service
[01:31:06.360 --> 01:31:11.640]  announcement is brought to you by startpage.com, the private search engine alternative to Google,
[01:31:11.640 --> 01:31:15.000]  Yahoo and Bing. Start over with Start Page.
[01:31:15.000 --> 01:31:21.080]  Makers of BlueSig's smokeless electronic cigarettes are embedding their product with radio
[01:31:21.080 --> 01:31:26.920]  frequency microchips or RFID technology. When the chip packs get within 30 feet of each other,
[01:31:26.920 --> 01:31:32.280]  they light up, vibrate and swap information so smokers can find each other in a crowd.
[01:31:32.280 --> 01:31:36.840]  Later, the data gets uploaded to BlueSig's website when users plug their packs into a
[01:31:36.840 --> 01:31:41.880]  computer for recharging. While high-tech cigarettes may help smokers find kindred spirits,
[01:31:41.880 --> 01:31:47.080]  they also let BlueSig identify and track them. The chips could also be tracked by bar owners,
[01:31:47.080 --> 01:31:52.040]  employers or anyone else who chooses to. That's a high price to pay for a little company.
[01:31:52.040 --> 01:32:12.040]  I'm Dr. Catherine Albrecht. More news and information at CatherineAlbrecht.com.
[01:32:17.640 --> 01:32:18.920]  All right, folks, we are back.
[01:32:18.920 --> 01:32:26.200]  We are taking your calls, 512-646-1984. We're taking calls from Mike Merritt.
[01:32:26.760 --> 01:32:32.520]  We've got a few callers on the line. We've got Art in Texas. Art, thank you for calling in.
[01:32:32.520 --> 01:32:37.880]  What is your question for Mike Merritt? Hey there. Thanks for taking my call. I'm a big fan of the
[01:32:37.880 --> 01:32:47.720]  show and the network. My question is, oh, no problem. I'm 31 and when I was much younger, about 18,
[01:32:47.720 --> 01:32:54.680]  I was very financially irresponsible. So I had a lot of debts that I've since been working really
[01:32:54.680 --> 01:33:01.800]  hard to get taken care of, done a very good job with it. But I had one debt in particular that
[01:33:01.800 --> 01:33:08.920]  was with a university and I won't say the name. But the situation is, is they sold the debt to a
[01:33:08.920 --> 01:33:15.240]  collection agency and this has then changed hands so many times that neither the university
[01:33:15.240 --> 01:33:22.600]  nor the original collection agency knows who holds it. I believe that I have already paid this off
[01:33:22.600 --> 01:33:28.760]  but cannot get the university to release my transcripts so that I can continue my education.
[01:33:31.640 --> 01:33:36.760]  And it's been paid off? Yes, that's my belief. There was a period of time when I was being
[01:33:36.760 --> 01:33:44.360]  contacted by collection agencies left and right and I began to pay them off. That's not showing up
[01:33:44.360 --> 01:33:50.120]  on any of my credit reports but I don't have a receipt or a record that indicates that has been
[01:33:50.120 --> 01:33:57.400]  paid off. So I'm kind of in a bind. I was wondering if there's maybe administrative or legal reports
[01:33:57.400 --> 01:34:05.560]  that I might be able to take to basically say, well look, it's been 10, 13 years by now. I've
[01:34:05.560 --> 01:34:12.200]  paid it off. You can't prove that I haven't released my records or I'm willing to pay it now
[01:34:12.200 --> 01:34:17.240]  if they can prove that. I haven't paid it or at least make a convincing argument
[01:34:17.240 --> 01:34:24.840]  but there's just no one who will take my money. Yeah, that's difficult situations. I would say
[01:34:24.840 --> 01:34:31.480]  if you had a debt collector after you, I'd go after the debt collector and then I'd have no
[01:34:31.480 --> 01:34:37.880]  problem naming the school as the co-defendant in the case and let's talk to somebody. See,
[01:34:37.880 --> 01:34:44.600]  they won't talk to you. That's the problem with 99% of this stuff. These guys will not talk to you.
[01:34:45.240 --> 01:34:51.880]  It's our way or the highway but once you get it in that court of law and you get an attorney
[01:34:51.880 --> 01:34:56.440]  representing them and they'll come to you and say, what is this all about? We don't understand
[01:34:56.440 --> 01:35:02.680]  and then you get to explain it to their attorney. What is going on? The attorney says, oh, wow,
[01:35:02.680 --> 01:35:08.600]  well, let me go talk to my client because now the client's going to talk to their attorney.
[01:35:08.600 --> 01:35:14.680]  They have to. But the point is you can't get their attention and that's your problem right there
[01:35:15.240 --> 01:35:19.640]  and that's what this is all about with the debt collectors, the creditors. They are going to
[01:35:19.640 --> 01:35:24.680]  talk to you. They don't care. You're nothing but a know-nothing consumer. What do you know?
[01:35:25.240 --> 01:35:29.720]  What are you going to do to us? We're a big multi-million dollar, multi-billion dollar
[01:35:29.720 --> 01:35:35.240]  corporation. What are you going to do to us? Well, you can find out. You can find out.
[01:35:36.040 --> 01:35:41.000]  And it really feels like a lot of passing the buck because you know, I'll contact the school
[01:35:41.000 --> 01:35:45.960]  and they say, well, no, this is being handled through this collection agency. I contact them
[01:35:45.960 --> 01:35:51.880]  and they don't even have a file on me and you know, no record of who the debt may have been
[01:35:51.880 --> 01:35:57.080]  sold to. So I can't really get them in agreement on the fact that there's no record of a debt
[01:35:57.080 --> 01:36:03.240]  except with the school. So the school is it even in your credit report or anything like that?
[01:36:03.240 --> 01:36:11.000]  No, they are not. I didn't think so. Yeah, a difficult situation. My best, you know,
[01:36:11.000 --> 01:36:15.480]  what I would do if I was in your shoes, I'd wait for another debt collector to contact me on this
[01:36:15.480 --> 01:36:20.760]  and ask them to validate. When they don't validate, you know, you're going to find out who they're
[01:36:20.760 --> 01:36:27.560]  collecting for and then bring them into federal court. Okay. And you'll get their attention.
[01:36:27.560 --> 01:36:30.600]  You'll get them talking to you. And that's 90% of the stuff is.
[01:36:32.120 --> 01:36:35.640]  Well, so Art, they're not in your credit report. The only thing is that the school's just not
[01:36:35.640 --> 01:36:43.000]  releasing your transcript. That's exactly correct. And you can't find any records or any proof that
[01:36:43.000 --> 01:36:48.680]  this has been paid. That's exactly right. Also, that's kind of the difficulty of the situation.
[01:36:48.680 --> 01:36:52.520]  You may want to look up some state laws concerning transcripts. They may not,
[01:36:53.400 --> 01:36:57.960]  it may be illegal for them to withhold your transcript based on an alleged debt that's not
[01:36:57.960 --> 01:37:03.240]  paid. Okay. Yeah, I'll definitely take a look at that. If nothing else, that'll give me some
[01:37:03.240 --> 01:37:08.120]  ammo so that I can actually get the attention of the school. Because essentially, you know,
[01:37:08.120 --> 01:37:13.400]  their collection department is kicking me to the curb immediately. I don't see how they can,
[01:37:13.400 --> 01:37:17.000]  it just doesn't make sense to me how they can withhold your transcript from you just because
[01:37:17.000 --> 01:37:21.640]  they say they owe you money. I don't, I don't understand. I think that that sounds like extortion
[01:37:21.640 --> 01:37:25.880]  to me. I don't see how that could possibly be a legitimate law that's on the books,
[01:37:25.880 --> 01:37:29.800]  but you never know. So you need to look up the laws on that issue.
[01:37:29.800 --> 01:37:33.960]  Okay. Well, I really appreciate the direction and keep up the good work, you guys.
[01:37:34.520 --> 01:37:36.360]  All right, thanks. Thank you. Bye.
[01:37:36.360 --> 01:37:40.840]  Hey, Art. I was just going to ask him if he had been getting any letters at all,
[01:37:40.840 --> 01:37:45.240]  but apparently not. Did you have something to say on this, Randy? Were you trying to butt in?
[01:37:45.240 --> 01:37:52.360]  Well, I was thinking that a nice, juicy tort letter to the
[01:37:53.320 --> 01:37:59.320]  board of commissioners for the university would most likely get someone off the ball.
[01:37:59.320 --> 01:38:02.120]  Yeah. Right.
[01:38:02.920 --> 01:38:09.960]  Yeah, this is, you know, that's my humble opinion with all this stuff is nobody wants to talk to you.
[01:38:09.960 --> 01:38:14.920]  You know, we're these big lenders, these big universities, what are you going to do to us?
[01:38:14.920 --> 01:38:18.920]  That's their attitude, you know, until you get them up in that federal court,
[01:38:18.920 --> 01:38:20.840]  then they have a tendency to pay attention to you.
[01:38:21.800 --> 01:38:28.440]  Yep. Yep. They don't want to pay any attention to you at all until you file a lawsuit.
[01:38:28.440 --> 01:38:30.680]  That's the only thing that gets their attention.
[01:38:30.680 --> 01:38:36.120]  Yep. And then God forbid if they don't answer in time and you get a default judgment against them.
[01:38:36.760 --> 01:38:43.800]  Right. Well, this attorney in our case, he's about setting himself up for summary judgment
[01:38:43.800 --> 01:38:49.640]  because he just refuses, he refuses to confer as is required by the federal rules of court.
[01:38:50.200 --> 01:38:55.480]  And if he doesn't ask for, if he doesn't answer discovery in time, I don't think I'm either going,
[01:38:55.480 --> 01:38:58.120]  I don't think I'm even going to bother moving from motion to compel.
[01:38:58.120 --> 01:39:02.680]  I'm just going to move for summary judgment because of his, because of the history of this guy.
[01:39:02.680 --> 01:39:09.480]  Yeah. Yeah. Well, it's each one of these cases are different, but it's a heck of a learning curve.
[01:39:09.480 --> 01:39:15.160]  That's like, I could say that much. I've seen so much stuff go on with this. It blows my mind, but
[01:39:15.880 --> 01:39:17.880]  we've just gotten exceedingly better.
[01:39:19.880 --> 01:39:22.600]  We know what they're going to do before they do it.
[01:39:23.800 --> 01:39:31.640]  That's the beauty of this stuff. And once you, you know, and understand it,
[01:39:32.680 --> 01:39:35.800]  it's pretty simple stuff because it's the same thing in every case.
[01:39:35.800 --> 01:39:39.160]  Yeah. Michael, tell us about this affirmative defense that they still try to use
[01:39:39.160 --> 01:39:43.000]  that the Supreme Court just recently shot down. They did it in my case too.
[01:39:45.320 --> 01:39:47.960]  Which one is that, the bonafide error defense?
[01:39:47.960 --> 01:39:53.560]  Yes. Oh, they didn't recently shoot that down. That was a year and a half or so ago.
[01:39:53.560 --> 01:39:59.240]  The lawyers will come in, these debt collectors will come in in a case and they'll say,
[01:39:59.240 --> 01:40:00.680]  well, they'll answer the complaint.
[01:40:00.680 --> 01:40:08.920]  If we did something wrong, it wasn't intentional. It was a bonafide error on our part.
[01:40:09.480 --> 01:40:17.720]  And because they don't check the consumer laws, about a year and a half ago,
[01:40:17.720 --> 01:40:23.080]  the Supreme Court made a ruling on that on the bonafide error defense with debt collectors saying,
[01:40:23.800 --> 01:40:27.000]  guys, you can't use that. You should know better.
[01:40:27.000 --> 01:40:34.200]  You're a trained attorney. So don't use that no more in your answer to these cases because
[01:40:34.200 --> 01:40:40.920]  we're not going to allow it. And that was voted on by a seven to two vote by the Supreme Court of
[01:40:40.920 --> 01:40:48.040]  the United States. And it was presented by this no-nothing justice called Sotomayor who presented
[01:40:48.040 --> 01:40:54.760]  it. And of course, I have that case right up on it. So we always enjoy when they come in and say,
[01:40:54.760 --> 01:40:58.440]  oh, we didn't mean to do it as a bonafide error. See, they used to be able to get out
[01:40:59.320 --> 01:41:05.640]  under FDCPA violations by saying that. But unfortunately, the Supreme Court of the United
[01:41:05.640 --> 01:41:11.640]  States says, no, you can't do that no more. Sorry. Can't do that anymore. And also the permissible
[01:41:11.640 --> 01:41:16.520]  purpose thing, the debt collector pulled the credit report, pulled that credit report. Well,
[01:41:16.520 --> 01:41:22.360]  they're not allowed to do that without a permissible purpose. Well, we never gave those guys permission
[01:41:22.360 --> 01:41:28.120]  to pull our credit report. We never even heard of them before. And so on the answer to the
[01:41:28.120 --> 01:41:36.440]  complaint that we filed, they admitted in their answer that they did a quote, unquote, soft inquiry.
[01:41:36.440 --> 01:41:41.320]  Well, what the hell is that? They just admitted they were in our credit report without permission.
[01:41:41.880 --> 01:41:46.040]  Yeah. Well, let me give you air train to pull it on that. Okay.
[01:41:46.040 --> 01:41:51.400]  They're numbskulls. Here's my argument on that. And they'll come to you. And if you look in the
[01:41:51.400 --> 01:41:56.840]  Fair Credit Reporting Act, they can pull your credit report. Absolutely positively, they can
[01:41:56.840 --> 01:42:01.640]  pull your credit report if they're collecting the debt. Read the Fair Credit Reporting Act.
[01:42:01.640 --> 01:42:04.840]  And it says that we're collecting the debt. We can pull your credit report. Okay.
[01:42:06.120 --> 01:42:12.600]  But here's my answer to that. And it's quite simple. And I went around in one of my cases
[01:42:12.600 --> 01:42:17.720]  several years ago with a corporate attorney on this. And he kind of stopped arguing with me
[01:42:17.720 --> 01:42:22.520]  when I laid this answer on him. Because he kept saying to me, are you telling me I can't pull
[01:42:22.520 --> 01:42:26.920]  your credit report? I said, no, sir, you can pull my credit report all you want. I can't stop you.
[01:42:28.360 --> 01:42:34.440]  Well, you know, I says, but what debt are you collecting? He's the one that's in your credit
[01:42:34.440 --> 01:42:40.200]  report. I'm going to ask you one more time, sir. What debt is that? The one that we were collecting
[01:42:40.200 --> 01:42:48.200]  on? One more time. What debt is that, sir? He's I'm sorry, I don't follow you. Six months ago,
[01:42:48.200 --> 01:42:52.920]  sir, I sent you a letter of validation and asked you to prove this debt to me and you've never
[01:42:52.920 --> 01:43:00.760]  responded. So one more time, what debt are you collecting? You never proved there wasn't that
[01:43:00.760 --> 01:43:04.520]  you're just saying there's a debt and you don't have to prove it. Is that right? Is that how it
[01:43:04.520 --> 01:43:10.280]  works? Well, he was calling to settle with me, but he said, well, he says, that's some good information.
[01:43:10.280 --> 01:43:16.040]  Maybe if we went into court on this, we'd make some case law. But I don't really want to talk
[01:43:16.040 --> 01:43:20.040]  about that. He said, I just want to see we can work out a settlement agreement. Yeah,
[01:43:20.040 --> 01:43:24.040]  because he knew I was going to give him a hard time. And that's one of the questions I would
[01:43:24.040 --> 01:43:30.840]  ask the jury. They never proved there was a debt. They never validated with me. And just because
[01:43:30.840 --> 01:43:35.800]  they say there's a debt, they can do whatever they want. Is that how it works? I don't think so.
[01:43:37.160 --> 01:43:40.760]  Yeah. And the only way they can do that is show a ledger accounting, which they're never going to
[01:43:40.760 --> 01:43:46.040]  do because if they showed the ledger accounting from the original creditor, it would also show that
[01:43:46.040 --> 01:43:50.680]  the original creditor charged it off against their capital gains tax liability and that would
[01:43:50.680 --> 01:43:56.680]  prove the fraud. So they're not going to go there. All right, folks, we'll be right back. We'll take
[01:43:56.680 --> 01:44:03.240]  more your calls. Hey, did you hear Ron Paul's announced he's running for president in 2012?
[01:44:03.240 --> 01:44:07.720]  Who's Ron Paul? Really? Okay, put down the cell phone for one minute. Your friends really don't
[01:44:07.720 --> 01:44:11.240]  care about your Twitter updates on what you had for breakfast. Oh, but I love to make the little
[01:44:11.240 --> 01:44:15.960]  smiley faces with punctuation marks. Of course you do. Now, listen closely. You need to go down
[01:44:15.960 --> 01:44:19.800]  to Brave New Books and learn as much as you can about Ron Paul and his message before it's too
[01:44:19.800 --> 01:44:24.200]  late. They have all of his books and many of the books he talks about. They also have t-shirts,
[01:44:24.200 --> 01:44:27.880]  bumper stickers, and yard signs so that you can show your support for him during the campaign.
[01:44:27.880 --> 01:44:33.000]  Brave New Books. Do they have Harry Potter and Twilight? No, but they do carry a large selection
[01:44:33.000 --> 01:44:37.400]  of survival and preparedness books to protect your family in time of emergency. Uh, that sounds
[01:44:37.400 --> 01:44:41.480]  like that show in the Discovery Channel. Yeah, there's even a wilderness survival expert that
[01:44:41.480 --> 01:44:46.760]  teaches classes called Earth Skills School that you can sign up for on the website bravenewbookstore.com.
[01:44:46.760 --> 01:44:51.000]  What are you doing? I'm tweeting all my friends that they should go to bravenewbookstore.com or
[01:44:51.000 --> 01:44:56.680]  down to the bookstore in person. Where's it located? 1904 Guadalupe Street. There, it's set. I even made
[01:44:56.680 --> 01:45:04.600]  a smiley face. Great. Are you the plaintiff or defendant in a lawsuit? Win your case without
[01:45:04.600 --> 01:45:11.080]  an attorney with jurisdictionary. The affordable, easy to understand four CD course that will show
[01:45:11.080 --> 01:45:18.600]  you how in 24 hours, step by step. If you have a lawyer, know what your lawyer should be doing.
[01:45:18.600 --> 01:45:24.200]  If you don't have a lawyer, know what you should do for yourself. Thousands have won with our step
[01:45:24.200 --> 01:45:31.640]  by step course. And now you can too. Jurisdictionary was created by a licensed attorney with 22 years
[01:45:31.640 --> 01:45:37.640]  of case winning experience. Even if you're not in a lawsuit, you can learn what everyone should
[01:45:37.640 --> 01:45:43.560]  understand about the principles and practices that control our American courts. You'll receive our
[01:45:43.560 --> 01:45:51.640]  audio classroom, video seminar, tutorials, forms for civil cases, pro se tactics, and much more.
[01:45:51.640 --> 01:45:59.640]  Please visit ruleoflawradio.com and click on the banner or call toll free 866 law easy.
[01:45:59.640 --> 01:46:28.760]  Okay, folks, we are back. Final segment with Michael Miris.
[01:46:29.720 --> 01:46:33.960]  The Michael Miris method. And I can tell you right now he's very helpful.
[01:46:35.080 --> 01:46:40.600]  His course, you can obtain his course and part one and two of his courses on our website.
[01:46:40.600 --> 01:46:44.600]  You scroll down to where the banners are and click on the baby blue banner where it says the
[01:46:44.600 --> 01:46:52.200]  Michael Miris method how to stop debt collectors. It's very well worth it. And Mike, he does charge
[01:46:52.200 --> 01:47:00.200]  a little extra for consultation, but I promise you he will give you a lot more than what he charges
[01:47:00.200 --> 01:47:06.200]  you for. He's very generous with his time. And once he's walked you through one of these cases,
[01:47:06.200 --> 01:47:11.800]  folks, they're all the same. He's walking me through a case right now. And I feel like I'm
[01:47:11.800 --> 01:47:16.040]  becoming more and more well equipped. The next case, I may not even need to call him as much as I
[01:47:16.040 --> 01:47:23.320]  currently do because I'm just maybe to say hi. Mike is a great guy. He's very, very generous
[01:47:23.320 --> 01:47:31.080]  with his time. He's very helpful. And you will need to hire him and contact him more than just
[01:47:31.080 --> 01:47:39.720]  for the course because once you get into the lawsuit, you'll need him to give you the ammo of
[01:47:39.720 --> 01:47:45.800]  the interrogatories and the request for productions and admissions and all those things. And once
[01:47:45.800 --> 01:47:51.080]  you serve these guys with discovery and they get a load of these interrogatories and requests for
[01:47:51.080 --> 01:47:59.160]  productions, that's when they quote start to get religion, as Mike says. And so that information
[01:47:59.160 --> 01:48:06.680]  is not part of the course. And so you will need to take him on somewhat as a consultant. But I
[01:48:06.680 --> 01:48:13.880]  promise you it's well worth it because once you get past the filing fee and the fee for Michael
[01:48:13.880 --> 01:48:21.000]  Maris' time and his course, you're going to get back more from the lawsuit in the settlement agreement
[01:48:21.000 --> 01:48:28.600]  than you put out on the front end. And so you end up making money off of this. I mean, Mike,
[01:48:28.600 --> 01:48:34.120]  your buddy over there who doesn't want to do settlement agreements, he's practically making
[01:48:34.120 --> 01:48:40.760]  a living for himself out of suing these debt collectors. I mean, almost. But he's got it down
[01:48:40.760 --> 01:48:45.640]  so well that, you know, they get the message, you're going to fool with me, you're going to spend a
[01:48:45.640 --> 01:48:52.520]  hell of a lot of money resolving this thing. Or is it just easier to pay me a few dollars? I just
[01:48:52.520 --> 01:48:59.000]  worked with a couple of guys recently and one guy out in California, he went out with his debt
[01:48:59.000 --> 01:49:05.560]  collector creditor and debt collector contacted him right away and said, look, we don't want to
[01:49:05.560 --> 01:49:11.960]  be involved with this. And they gave him, you're not, don't misunderstand, folks. You're not going
[01:49:11.960 --> 01:49:15.400]  to become a millionaire doing this stuff. Get that out of your head right now because you're
[01:49:15.400 --> 01:49:19.240]  asked for a million dollars. They're going to fight you all the way after the Supreme Court,
[01:49:19.240 --> 01:49:26.360]  the United States will peel this stuff. So he's telling people, be reasonable. But this one particular
[01:49:26.360 --> 01:49:32.760]  guy, they came back to him and immediately offered him $2,200 and his court costs to go away.
[01:49:32.760 --> 01:49:40.200]  And I kind of chuckled with them. I said, so you've more than paid for your courses and you've
[01:49:40.200 --> 01:49:46.600]  more than paid for your time. What the hell did I cost you? Not a darn thing.
[01:49:47.240 --> 01:49:50.040]  And he cleared up his credit report too, but to the other hand.
[01:49:50.040 --> 01:49:54.840]  Yeah. I had a gentleman last year, he was retired, didn't have much money to spend.
[01:49:55.880 --> 01:50:00.920]  We took him into federal court. He filed in formal paupers. He bought the courses,
[01:50:00.920 --> 01:50:09.400]  bought some time, and they were in his credit report on an account that was outside the statute
[01:50:09.400 --> 01:50:14.040]  limitations. Long story short, they settled very, very quickly. As soon as we made them aware of
[01:50:14.040 --> 01:50:20.280]  that fact, their attorney, who they probably never told, one of the larger debt collection companies
[01:50:20.280 --> 01:50:24.920]  that's been in business since 1948. So they've been around quite a while.
[01:50:24.920 --> 01:50:30.040]  Yeah. And the point is, folks, don't wait. If the debt collectors are hounding you, don't wait,
[01:50:30.040 --> 01:50:35.960]  especially if they file the lawsuit against you in the local court. Don't wait. You want to get
[01:50:35.960 --> 01:50:40.760]  this thing resolved by applying pressure to them in the federal court system before it gets out
[01:50:40.760 --> 01:50:44.920]  of hand and you get a judgment against you. All right. And this guy in particular,
[01:50:45.640 --> 01:50:50.120]  you know, he finally settled with them for $2,000 and he didn't even have to go into court. He
[01:50:50.120 --> 01:50:54.600]  just filed the complaint. They didn't even have to answer the complaint and they settled with the guy.
[01:50:54.600 --> 01:50:59.640]  And sometimes they will settle with you when you send them the tort letter because you send
[01:50:59.640 --> 01:51:04.920]  them the tort letter with a copy of the draft complaint saying, this is what I'm going to file
[01:51:04.920 --> 01:51:11.800]  against you in federal court if you don't settle with me now. And you give them two weeks or seven
[01:51:11.800 --> 01:51:16.920]  days or whatever and then they don't settle, then you file and it goes on and on like that.
[01:51:16.920 --> 01:51:21.400]  Right now I'm in full blown discovery, so we'll just see where it goes. All right. We've got
[01:51:21.400 --> 01:51:25.720]  Steven from Minnesota now. Steven, thanks for calling in. What's your question for Michael
[01:51:25.720 --> 01:51:34.360]  Maris? Hello, y'all. I was just wondering if your course works with IRS, Federal League.
[01:51:34.360 --> 01:51:38.920]  Yeah. I get that question all the time. That's another difficult one. The IRS
[01:51:39.880 --> 01:51:45.000]  is exempt from the Fair Credit and the Debt Collection Practices Act. However,
[01:51:46.120 --> 01:51:51.240]  you know, if you've got a debt collector chasing you, that debt collector is in shelter to the
[01:51:51.240 --> 01:51:57.000]  best of my knowledge from the Debt Collection Practices Act. Okay? Yeah. What about a non-filer?
[01:51:57.560 --> 01:52:04.120]  That's what they're going after me. Well, again, I don't know what you can do under,
[01:52:04.120 --> 01:52:09.720]  I don't get into the IRS stuff. I've never had any problems with them. And, you know,
[01:52:09.720 --> 01:52:15.400]  I run into people and I've had them ask me that several times. There are some people out there
[01:52:15.400 --> 01:52:22.360]  that do, you know, do that kind of stuff dealing with the IRS. A guy I know, Chappy Chatman,
[01:52:22.360 --> 01:52:29.640]  out of Florida, he's had him in front of a grand jury and he won. Okay? Right. So there's some
[01:52:29.640 --> 01:52:33.960]  guys out there that have expertise in that and I'm not going to mislead you. I don't have the
[01:52:33.960 --> 01:52:40.200]  knowledge to answer your question fully. All I do know is that the IRS uses debt collectors to
[01:52:40.200 --> 01:52:47.400]  collect their funds. They're conveniently located in Puerto Rico. I know that. And the
[01:52:48.520 --> 01:52:56.280]  point is they are exempt from fair credit debt collection practices act violations. Federal
[01:52:56.280 --> 01:53:01.880]  agency can't do nothing to them, least under those laws. Not even with mail fraud, if you
[01:53:01.880 --> 01:53:08.520]  have evidence of mail fraud. Well, I can tell you right now, I've heard all that Patriot stuff
[01:53:08.520 --> 01:53:14.680]  in the past and I've dealt with people who have used the Patriot stuff. And the problem you're
[01:53:14.680 --> 01:53:17.400]  going to find with that is you go in there and bring that up and you know what they're going to
[01:53:17.400 --> 01:53:22.280]  tell you? They're going to say, why don't you let the FDI handle mail fraud? That's their job.
[01:53:23.800 --> 01:53:31.800]  Okay. That's what I was thinking about doing is actually showing that evidence I have
[01:53:31.800 --> 01:53:37.800]  that somebody opened up a certified letter. Well, you could bring that complaint to the
[01:53:37.800 --> 01:53:43.240]  postmaster general, but that's not going to have anything to do with debt collections practices
[01:53:43.240 --> 01:53:50.040]  act or fair credit reporting act is the point. That's a whole different thing. I had a gentleman
[01:53:50.040 --> 01:53:54.280]  that I've worked with up at the Northwest. I've been with him for over a year. We've become like
[01:53:54.280 --> 01:53:59.640]  brothers. We're very good friends. He's on his third case. On every case so far, when he first
[01:53:59.640 --> 01:54:05.560]  came on board, he won his first case, got rid of a credit card just under $24,000.
[01:54:05.560 --> 01:54:11.880]  And he calls me up. He says, Mike, he says, I've been doing the Patriot stuff for 15,
[01:54:11.880 --> 01:54:18.920]  16 years, putting all kinds of money into it. That stuff, and I'm using the mild word here.
[01:54:18.920 --> 01:54:26.680]  I didn't say what he said and that word begins with an S. That stuff don't work. Your stuff works.
[01:54:27.320 --> 01:54:34.520]  This system, it ain't my stuff. I didn't invent this. Go into Pacer and see how many times these
[01:54:34.520 --> 01:54:38.760]  guys have been sued for this stuff. Then maybe your light bulbs will come on.
[01:54:39.880 --> 01:54:47.160]  Okay. And you'll see the cases against these creditors and debt collectors under FCRA and DCPA.
[01:54:47.160 --> 01:54:52.520]  And it goes back to what I said earlier. If it works and it ain't broken, don't try to fix it.
[01:54:53.480 --> 01:55:00.280]  And he's on his third case and he's won two so far and been very, very successful. And he's
[01:55:00.280 --> 01:55:06.520]  become a tagger doing this. He's studied, he's learned and 99% of the stuff now he just does
[01:55:06.520 --> 01:55:12.280]  by himself. He doesn't even have to talk to me. He comes back with emails and things like that.
[01:55:12.280 --> 01:55:16.120]  He gets around with me a lot, but if he gets stuck, he knows I'm here.
[01:55:17.640 --> 01:55:23.640]  But again, this is not dealing with federal agencies or government entities. Fair credit,
[01:55:23.640 --> 01:55:28.200]  debt collection does not apply to them, unfortunately. And wasn't that convenient
[01:55:28.200 --> 01:55:34.760]  when they created those laws? Yeah, I just, I can't believe that those years that they're
[01:55:36.120 --> 01:55:38.760]  living me for, it's the same amount I made that year.
[01:55:41.800 --> 01:55:48.120]  I know there's people out there that do handle, you know, if it's a lot of paper pushing back
[01:55:48.120 --> 01:55:54.600]  and forth and eventually it gets to be, you know, you get paid in the neck and they just drop it.
[01:55:54.600 --> 01:56:00.600]  Okay. But, you know, I got one the other day from the IRS. I've never had any problems my whole
[01:56:00.600 --> 01:56:06.520]  life with the IRS. Always paid my taxes, all that stuff. I get a letter from the other day.
[01:56:08.360 --> 01:56:16.360]  And they say, you didn't report this 1099 for $1,000 and change. And what had happened was,
[01:56:16.360 --> 01:56:23.320]  I was on a job interview. And those were my reimbursements from the job interview I had.
[01:56:23.320 --> 01:56:30.440]  All the credit card receipts, everything in my hand. Okay. And I said, this nut job employer
[01:56:30.440 --> 01:56:35.320]  decided to issue a 1099 when I paid for everything and try to claim it as income to me.
[01:56:36.600 --> 01:56:41.320]  I said, what a joke. So I just made copies of everything and sent it to a very nice letter
[01:56:41.320 --> 01:56:46.520]  and say, sorry, you know, here's all my receipts. This was not income. This was expenses and here's
[01:56:46.520 --> 01:56:50.920]  all the darn receipts. So they sent me a back a letter and they said, you'll hear back from us
[01:56:50.920 --> 01:56:57.880]  in 60 days. We're working on it. I said, okay. They got nothing better to do. And right now with
[01:56:57.880 --> 01:57:03.400]  the economy, the way it is, they're going after everybody that they think they can get 10 bucks
[01:57:03.400 --> 01:57:10.280]  from right now. Okay. All right. I got to do more research then. All right. And Steve, like I said
[01:57:10.280 --> 01:57:18.760]  before, with the concerning the student loans, one option always is take out some credit cards
[01:57:18.760 --> 01:57:25.400]  to pay the IRS, whatever they think that you owe them. And I would not recommend defaulting on them.
[01:57:25.400 --> 01:57:30.680]  But if it just so happened that you were not able to make the payments on those credit cards,
[01:57:30.680 --> 01:57:33.640]  then you can always deal with the situation using the might nearest method.
[01:57:34.360 --> 01:57:37.000]  And I was just thinking about that before I called.
[01:57:37.000 --> 01:57:41.960]  Okay. All right. Thank you, Steven. Yeah. Okay. All right. All right. We only got about a minute
[01:57:41.960 --> 01:57:45.960]  left. Mike, so why don't you give us some closing statements here?
[01:57:45.960 --> 01:57:52.200]  Well, the courses are available on the front page of the website. There's a flashing banner down on
[01:57:52.200 --> 01:57:57.880]  the left-hand side. You click on that. You can get the courses through PayPal. PayPal accepts
[01:57:57.880 --> 01:58:03.720]  everything if you have. You don't use PayPal. There's a problem. My email address is there. And I know
[01:58:04.440 --> 01:58:09.880]  Debra advertises my email address. You can contact me directly with questions and or
[01:58:09.880 --> 01:58:16.760]  different payment methods. But that's about all I have for tonight. All right. And again,
[01:58:16.760 --> 01:58:21.240]  I will highly recommend it. All of our listeners that have purchased this course and that have
[01:58:21.240 --> 01:58:27.640]  hired Mike to help them come back to me with raving reviews, raving results. Everyone says
[01:58:27.640 --> 01:58:34.120]  he gives them more time than they paid him for. It was well worth it. Everyone wins their cases
[01:58:34.120 --> 01:58:38.920]  and everyone is happy. So highly recommend it. Mike, thank you so much for joining us tonight.
[01:58:38.920 --> 01:58:43.960]  And just let me stick in there. Those courses come to you via email. They're almost immediately
[01:58:43.960 --> 01:58:49.720]  in your email. You'll get them right away, folks. And then you can always email them and call them
[01:58:49.720 --> 01:58:54.920]  with questions. All right. We will be back tomorrow with our Friday for our info marathon.
[01:58:54.920 --> 01:58:58.920]  Open topics tomorrow night. You can call in on any issue you like. We'll be right back tomorrow.
[01:58:59.960 --> 01:59:06.360]  Bibles for America is offering absolutely free, a unique study Bible called the New Testament
[01:59:06.360 --> 01:59:11.800]  Recovery Version. The New Testament Recovery Version has over 9,000 footnotes that explain
[01:59:11.800 --> 01:59:17.880]  what the Bible says, verse by verse, helping you to know God and to know the meaning of life.
[01:59:17.880 --> 01:59:26.280]  Order your free copy today from Bibles for America. Call us toll free at 888-551-0102
[01:59:26.280 --> 01:59:34.600]  or visit us online at bfa.org. This translation is highly accurate and it comes with over 13,000
[01:59:34.600 --> 01:59:40.280]  cross references, plus charts and maps and an outline for every book of the Bible. This is
[01:59:40.280 --> 01:59:45.480]  truly a Bible you can understand. To get your free copy of the New Testament Recovery Version,
[01:59:45.480 --> 02:00:05.480]  call us toll free at 888-551-0102. That's 888-551-0102 or visit us online at bfa.org.