Lo and behold, she said, You just send the letters.

I leapt from my chair my praye r had indeed been answered ask and ye shall receive. She then produced a series of letters, the dr ift of which was to request the bank to provide me with three things: 1. validation of the debt (the actual accounting); 2. verification of their claim against me (a sworn affidavit or even just a sign ed invoice); and, 3. a copy of the contract binding both parties. I was to write that I would be happy to pay any financial obligation I might law fully owe as soon as I received these three documents. The banks can t validate the debt because they never sustained a loss; they can t ve rify any claim against me because I am not the NAME they are billing more on this later. They can t produ ce a copy of the contract because one doesn t exist. What exists is an unenforceable unilateral con tract. What the banks refer to as your contract with us is not a valid bilateral agreement since the four requ irements of a lawful, binding contract were not met on the credit card application , namely: 1. Full Disclosure (we are not told that we are creating the credit with our sig nature); 2. Equal Consideration (they bring nothing to the table, hence they have nothing to lose); 3. Lawful Terms and Conditions (they are based upon fraud); and 4. Signatures of the Parties/ Meeting of the Minds (corporations can t sign becaus e they have no right, or mind, to contract as they are legal fictions). Credit cards are win/ win for the banks and lose/ lose for everyone else it is the slickest con game on the planet. My writing the letters worked for all but one account. The bank filed suit. I po ured over all kinds of legal nonsense, none of which matters how we handle banks now works beautifully, yet b ack in 1996, we were still fumbling and so, since the card was in a NAME similar to that of my sons fa ther, the bank came after him. He did not want to go to court and since I regarded this as research, not t o mention adventure, I went in his place. (If you re not living on the edge you re taking up too much space.) When the administrator (aka judge ) called his name, I stood up and said, I m here about that matter. A year previo us I had used a similar tactic when I went to court over a seat belt violation and was promptly th rown into jail for stating that my name was nowhere on the ticket or the summons. Although I was accurate, I didn t know the next 8step. This time I knew what I was doing. The District Court Judge asked me my nam e. I responded, If I tell you my name will I have entered into a contract with you? He became irate. I knew I was onto something. He furiously said, I m going to ask you again; what is your name? I said the same thing again and was literally, bodily tossed from court. On my way out I told the bail iff, I believe I hit a nerve. I was ecstatic. As it turned out, I had indeed hit on the only issue which matters. CONTRACT. Co ntract Law is the only law. There is no Constitutional Law, Bill of Rights, Charter of Rights and Freedoms, no codes, rules,

regulations, ordinances, statutes, by-laws, or anything else which most people t hink of as law which applies to free, sovereign people. They all apply only to corporate entities. There is o nly one law which applies to us: the law which protects the life, liberty, rights, and property of all living sou ls. That which causes us to think that all these laws apply to us is the contracts/ agreements we have made, either wittingly or unwittingly. If there is no contract there is no case. Contract is the law. Contractual Financia l Liability is all that matters; and it must be proven.