DEFAULT !!! Escaping the Debt Trap and Avoiding Bankruptcy

[videofox4u]

does this work in canada courts???

[HurricaneHeidi]

@videofox4u - It depends upon the Canadian State's Rules of Civil Procedure, if that's what Canadian lawmakers call them.

USA Rules of Civil Procedure are mentioned in my book. Each State has its own rules, and they sometimes differ from each other. You need to do your research pertaining to where you live in Canada, and where the collection lawsuit has been filed.

GENERALLY SPEAKING, my defense technique is to force collectors to prove their case; produce the signed application/contract.

[imigrantpunk]

Heidi, have you tried defaulting on a house mortgage? would it be an equivalent process? It's the same thing really, they lend you non existing money with interest..

Also, how this default on 94k affected your credit score and ability to borrow "money"?

Thanks!

[HurricaneHeidi]

@imigrantpunk - I'm glad you asked these two important questions.

FIRST - NO - I have never defaulted on a house mortgage. A home mortgage is a SECURED loan - meaning that the lender has recourse built right into the loan contract to TAKE your house if you default on the mortgage. This is called "collateral" - the house is collateral for the loan, and the lender can claim it if you default. NEVER default on secured debt.

[HurricaneHeidi]

@imigrantpunk - As to your next question - yes, the default on 94K did trash my credit score and would have inhibited my ability to borrow money if I had tried to borrow any money again after that.

I kept my Credit Union credit card, and I have kept up with the payments on it. I consider credit unions to be honest lenders that do not create money out of thin air. They actually lend a % of their depositors' savings to other members. I would NEVER stiff the other CU members.

[HurricaneHeidi]

@HurricaneHeidi - I consider defaulting and leaving behind all that debt and learning to function without borrowing money a financial version of going to rehab.

I have been de-toxed ... and I have broken the bad (and addictive) habit of depending upon credit for my everyday needs.

Bear in mind that becoming "hooked" on using credit is exactly what the evil credit industry hopes we will all do. Get out of the trap. If I can do it, you can do it!

[EFISHANT]

Almost everything I was told on the internet turned out to be bullshit!

I had a debt of less than 9000 dollars and I got sued. Every article said I would not get sued!

[HurricaneHeidi]

@EFISHANT - Most of the bullshit articles on the internet are designed to get you to pay for some bogus "debt elimination" program that promises you won't get sued. No one can promise that. Anyone who says that is a liar.

I got sued and I had to learn to defend myself.

After I won I decided to tell other people exactly what I went through and how I managed to defeat the collections attorney.

Concentrate on making THEM prove THEIR case. I show you word-for-word EXACTLY how I did it.

[kittypride2]

So, you have Epilepsy?

[HurricaneHeidi]

@kittypride2 - Yes I do. 8-(

But so far I have managed to prevent the more serious seizures by following a ketogenic diet (similar to Atkins - High fat; plus protein; no refined sugar, no high glycemic foods) and taking brain nutrients that I learned about on the Internet.

[nameofthepen]

Well, you're my favorite stumble-upon for the week. Subbed! :-)

[NoReasonPM]

Can I get a signed copy?

[HurricaneHeidi]

@NoReasonPM - Thanks for asking, I'm flattered.

The books are shipped directly from the printer, and I have no copies on hand. The only way to get a signed copy would be for you to mail me your copy once you receive it, and then I can sign it and send it back to you COD. Just let me know.

[NoReasonPM]

I'll do that then. I will let you know when I get the book. THX

[HurricaneHeidi]

"The money power preys on the nation in times of peace, and conspires against it in times of adversity. It is more despotic than monarchy, more insolent than autocracy, more selfish than bureaucracy. It denounces, as public enemies, all who question its methods or throw light upon its crimes." - Abraham Lincoln

[Whi5t1eR]

Hi Heidi, great book and BIG thanks for trying to help other people in a bad situation

[MopDMTBARTL]

The Vatican-Pope-Jesuits-illuminat­i run the world. they have all the judges, attorneys, doctors, major corporations, etc. all in their back pocket. bought & paid for, etc. our country is no longer free -we live in tyranny! truth an obscure thing, Oppression & lie is the norm. Were all slaves- our masters, the elite, r at least 50 years ahead of us in knowledge, technology, info., secrets & r using all of it against us!

Go here:

truthknowledge. com

Spread it! Time is running out!

[UTub8989]

Hi Heidi, am facing a lawsuit n court dt is 9/8/09. Dont hv money 2 buy ur book. But could u please @ least let me know where I could find help 2 defend myself @ this short notice. am almost in ur shoes heading 2 bnkrptcy. Please help if u can. thanks.

[HurricaneHeidi]

Oh no... no time left for you to learn how to legally and correctly defend yourself. My book is relatively inexpensive (less than $20 and discounted on Amazon & Barnes & Noble). It incorporates what it cost me $220 to learn - namely the how-to info I gained from "The Works" offered at: jurisdictionary (.) com - which teaches the entire lawsuit process and how to respond correctly to each aspect of it without hiring a lawyer. I cant give specific legal advice, I can only show you what I did.

[HurricaneHeidi]

After learning how I defended myself, and learning what jurisdictionary teaches, you can apply it to your own situation.

My best advice under the circumstances, without knowing the nature of the lawsuit or your situation, is:

DO NOT prove their case for them. DO NOT agree to their allegation that you incurred the debt. DO NOT discuss using the credit card or applying for the account. Make 'em prove you applied 4 & used the account. The Burden of Proof is on them. ABOVE ALL DO NOT LIE.

[HurricaneHeidi]

DO NOT COMMIT PERJURY.

I was warned by others who have been through this not to put myself in a position to be asked by the judge or the plaintiff's attorney: "Did you use the credit (or loan)". Others claim they responded with, "I don't remember", or "I don't know". If that happens to be the truth, it is an honest response.

I filed a motion to require production of documents - the signed application/agreement between me and the Plaintiff, to prove their claim. They could not do it.

[HurricaneHeidi]

I legally, honestly, and without committing perjury, boxed them into a corner and they dismissed their case because they could not prove it. My book shows you exactly how I did that.

Only you can decide if my techniques would work for you in your own situation. But by learning what others have done successfully, you can take steps to protect yourself and avoid being set-up by the creditors and collectors. They WILL try to trick you and take advantage of anything you don't know.

[UTub8989]

thanks for ur reply. I've asked them how thye've arrived @ the amount I owe in my reply to summons. Many failures in Biz & no success in getting a job has driven me to the edge - all my 401k is lost in paying CC debt interest n trying to keep my credit clean. Now all I've is an old car.

[williamwagener]

how many copies sold , Heidi?

[HurricaneHeidi]

So far about 225.

[RexNunc]

Brilliant

[Rainy809]

Statutes and Codes are created by privately owned corporations. The I.R.S., Federal Reserve, The State are all privately owned corporations. The constitution states "no debts are to be repayed unless backed by gold or silver coins. "Credit is not backed by gold or sliver" its is created out of thin air. They use our labor to back there money. Thats why statutes and codes was created to make there fake money "credit" legal. Credit is unconstitutional.

[Rainy809]

All crimes are commercial 27 cfr 72.11 Federal Rule of Civil Procedure Rule (1) there is only one form of action, a civil action. If the matter is civil it has to be a legal enforceable contract if criminal it has to be an injured party. No one has signed a contract with the I.R.S. so how can they put you in jail unless you volunteer to be there. Never admit to the debt.

[HurricaneHeidi]

Ask Irwin Schiff whether or not they will put you in jail for failure to pay Income Tax.

Civil actions involve torts and "damages", not criminal activities.

Criminal actions do involve injured parties, whether physically injured or commercially injured (i.e. via "white collar crime"). Grand theft is a crime; counterfeiting is a crime (unless, of course, you are a chartered Fed Res bank).

[HurricaneHeidi]

RON PAUL:

"They ( the gov't ) have got to get rid of the debt. You have to get rid of debt when you get bogged down like this, and WE'RE ( the gov't ) NOT GOING TO PAY IT OFF. It has to be liquidated. Governments liquidate it by CREATING BAD MONEY (AKA legalized counterfeiting) and paying it off with bad money."

RIGHT, Dr. Paul... so why should we repay THEM?

They are robbing us through taxes because if we default on TAXES we become "criminals". But DEBT is a CIVIL matter. NO JAIL.

[nihatrou]

So you're the reason I have to pay 30% in interest. Go to hell.

[HurricaneHeidi]

Ignorant people like you are the reason we had the Federal Reserve and their legalized counterfeiting and profiteering inflation scheme rammed down our throats in the first place... and why we still have it... which is the REAL reason you pay usurious interest rates.

You make your OWN "hell" by falling into their credit trap.

I got myself OUT of the "hell" that the credit industry created for me. Wake up!

[HurricaneHeidi]

Are WE allowed to create "money" out of nothing and loan it to people at 10 - 30% interest?

If WE did that, WE would end up in Club Fed as convicted counterfeiters.

Learn the truth. Listen to Ron Paul... Edwin Vieira Jr ... and the Ludwig Von Mises Institute for conservative economics. All on youtube as well.

[allawetta]

HH, ...THANK YOU FOR DOING THIS... am going to Amazon right now to buy your book.

[HurricaneHeidi]

YOU ARE MOST WELCOME.... and if you have any questions, I am here to help.

[jackalopemounty]

The question is: did you actually owe any money. Did you owe around $50,000, and it went to $94,000? Do you feel an obligation to repay any of that money that you "allegedly" borrowed?

[HurricaneHeidi]

Your question is perhaps more complicated than you realize. Did I actually owe any money?

Up until the time that I became educated about the Federal Reserve and the actual process of "Fractional Reserve Lending", I used to think that banks lent pre-existing funds out of a percentage of their depositors' savings, and that these funds were genuinely at risk... a calculated business risk taken by both the bank and its depositors. This is not true.

I borrowed no "money"; I owe no "money".

[buzzz1213]

I guess those people tha t manufactured and sold you those tv's, ipods, cell phones, toasters, nicnacs, beany babies, etc are not owed any money either in you chain of reasoning.

[HurricaneHeidi]

Whoever manufactures anything purchased via credit IS PAID UP FRONT by the credit issuing banks using their newly created (legally counterfeited) inflationary "money".

NO ONE except Federal Reserve chartered banks is allowed to create new money out of thin air. They were granted the privilege and responsibility to print and control the currency of the USA by Congress in 1913. This has allowed an enormous RIP OFF of US Citizens' wealth and spending power for almost 100 years.

[HurricaneHeidi]

Providers of goods and services are ALWAYS PAID by the credit issuing banking institutions, whether the credit user (debtor) repays the legally counterfeited money or not.

The American citizenry are gradually robbed by rising prices and the cost of using credit as a result. Most people do not realize that the increased spending power provided by easy credit is what drives the prices up, and that high prices are then forcing people to use credit 'cause they can't pay cash. VICIOUS CYCLE.

[HurricaneHeidi]

And NOW we are being further robbed by Congress, which succumbed to the banking lobby and passed BAILOUTS at the expense of the taxpayers - you and me.

TAKE BACK YOUR MONEY, AMERICA !!!

watch?v=ll5JVcmTGb4

.

[HurricaneHeidi]

Search youtube for "Dr Edwin Vieira" (PhD and Juris Doctorate) and listen to his lectures about "money" and the Federal Reserve and "Fractional Reserve Lending".

Then ask yourself if you believe it is EQUITABLE to be forced to repay "money" which was simply created out of thin air with "money" earned via your own blood, sweat and tears.

[HurricaneHeidi]

I say "ALLEGED" because a debt collector will attempt to trick you into admitting that you applied for and used the credit card.

REMEMBER that in any lawsuit it is up to the Plaintiff (the one(s) suing you) to prove their own case against you... until they prove their case, ALL OF THEIR CLAIMS are merely ALLEGATIONS.

(continued below)...

[HurricaneHeidi]

\Pronounciation: a-li-ˈgā-shən

1: the act of alleging

2: a positive assertion ; specifically : a statement by a party to a legal action of what the party undertakes to prove

3: an assertion unsupported and by implication regarded as unsupportable as in "vague allegations of misconduct"

[easyreader13]

Wow, sounds like quite a story! What exactly does it mean that you "avoided the collection of over $94,000"? I'm assuming you don't mean the debt was forgiven; clearly, that, too, would seem too good to be true. But I'm curious what the phrase does mean, in your situation. Regardless, considering how ruthless and well funded the credit card issuers are, it sounds like you've accomplished super-human feats! Thank you for sharing your experience; I hope many are helped by your book!

[HurricaneHeidi]

I probably should have used the phrase, "Prevented the collection", or "defeated collection" instead of "avoided collection", since they attempted to collect and I defeated their efforts. The alleged debt is not forgiven. No one has succeeded in proving that I contracted to borrow any money, or that I actually received the loan of any money, or that I actually owe any money... so it is all "alleged debt".

Remember that in any lawsuit, the Plaintiff must prove their case. Do not do it for them

[HurricaneHeidi]

If you agree with their claim that you are responsible for the alleged debt, they may offer to settle for less than the amount they originally claimed that you owe... but if you agree to that, you will be issued a 1099MISC for the difference, and will owe income taxes on that unpaid balance.

After a period of 3 to 6 years (it varies from State to State) the Statute of Limitations runs out on the creditors' right to sue. After that, all they can do is pester you over the phone, or send letters

[HurricaneHeidi]

The Statute of Limitations begins to run from the last activity on the alleged account... so unless the credit card is used, or a payment is made, or an agreement to settle is reached, their right to sue expires when the Statute of Limitations runs out. They will try any number of ruses to trick an alleged debtor into starting the Statute of Limitations over again from the beginning, enabling them to sue again. The alleged account must remain completely inactive, no matter what.

[rustysilo]

A few years ago I settled a debt on an old account for less than the original amount and I was never issued a 1099MISC. I did not pay any income taxes on the unpaid balance.

[HurricaneHeidi]

It's possible that if audited, the IRS will charge you Income Tax on the difference, since settling a debt for less constitutes an agreement that you were originally responsible for the entire debt, and therefore received the unpaid balance as untaxed income. Be careful. If discovered, there will no doubt be penalties and accrued interest.

[heatherlynblue]

congratulations on seeing your efforts pay off. it's nice to hear that happens sometimes. i hope your book does really well and helps a lot of people in the process.

[HurricaneHeidi]

Thank you Heather. I'm here to answer any questions that people may have. I want people to be empowered.