what if I told you that all debts may have already been paid under us law what if I told you that there is a little known statute Under 12 USC 995a that some researchers claim can be used to challenge and discharge debt one of those researchers being myself but Banks and creditors would never talk about this why is that in this video we're going to be breaking down 12 USC 995a what it actually says how connect next to debt discharge and how you can use it to fight back against lenders just to tell you a little bit about myself I've been studying consumer law since 2021 um some of you guys have been studying this for a long time but I don't know if it's a day and age of information overload easier access to information or I just have the mindset to dive deep into this research but when it comes to consumer law when it comes to banking regulations when it comes to debt loopholes when it comes to understanding consumer law the federal law how to be able to apply it I don't know what it is but today I'm going to be exposing what they don't want you to know okay and essentially they don't really truly want you to know how debt works so if you're brand new like comment and subscribe okay if you like comment and subscribe and you tap in with me I'll continue to tap in with you and dropping more bangers also if you haven't watched any of my previous videos I'll put them down in a link in the description some of the videos that I think would be super essential to watch from understanding how Mortgage Debt works from understanding how rent works from understanding how uh to discharge debt and communicate with debt collectors I'll put those down in the description may even create a playlist I'll put that playlist out there too okay also like the video I don't know if I already said that and down below make sure that when you get to the end you guys are putting the things that you want to learn that connects with what I talk about okay now my goal today man is to really put you guys on game you know because a lot of people look at thatb disch charge as a a fantasy you dig me but it's not really a fantasy if Congress put the information out there for you to actually view dig me if I'm able to look these things up then it's not a fantasy all right so when we tap in 12 USC 995a I hope y'all can see it maybe I can zoom in a little bit okay adjust some of these things now it's clear um on house.gov so again this is not something that is just coming out of the blue okay so understand 12 USC 995a regulation of transactions and foreign exchange of gold and silver Property Transfers vested interest enforcement and penalties okay it says uh text contains those laws in effect on January 2 2001 and right now we're in 2025 so obviously we are in a position beyond that okay and a lot of these Concepts have been originated from as far back as 1933 okay this originates from the trading with the Enemy act or the TW WEA of 1917 which was expanded in 1933 under Franklin D Roosevelt's executive order 6102 okay so you guys can tap in you guys can look these things up but again this originates from that law that essentially was uh an expansion from an executive order and you know even dates back to 1917 and we're in 2025 so a little over 100 years ago essentially this order allowed the government to seize gold from US citizens and suspend the gold standard so when you suspend a gold standard that means that gold is not the standard of money and they cannot collect debts from you okay also the same time let's just say that gold is the only real money if the US seized it from us then what can we use to pay for our debts you dig me the statute also declared that all obligations are now paid under public policy since the US switched to a debt based Financial system okay so when we look at what it says it says during the time of war the president May through any agency that he may designate and under such rules and regulations as he may prescribe by means of instructions license or otherwise investigates regulate or prohibit any transactions in foreign exchange okay transfers of credit or payments between by through or to any banking institution and the importing exporting hoarding melting and ear marking of gold or silver coin or billion currency or Securities and investigate regulate direct compel nullify void prevent or prohibit any acquisition holding withholding use transfer withdraw Transportation importation exportation or dealing in exercising any right power or privilege with respect to or transactions involving any property in which any foreign country or national thereof has any interest so long story short during this time of war the president May investigate regulate or prohibit transactions in foreign exchange transfers of credit and exporting of currency okay so another thing I want to highlight is the fact that under 95 A2 any payment conveyance trans transfer assignment or delivery of property or interest thereon made to or or the account of the United States or as otherwise directed pursuant to this section of any rule regulation instruction Direction issued here under shall to the extent thereof be a full acquittance and discharge for all purposes of the obligation of the person making the same and no person shall be held liable in any court for or respect to anything done or omitted in good faith in connection with the administration of or in pursuant of in in Reliance this section or any rule regulation instruction and Direction issued here under okay so 12 USC 9582 essentially says that boom obligations are acquitted and discharged dig me and even when we talk about the full face and credit clause or if we talk about uh good faith which essentially puts even lenders in a position where if there were something uh disclos if it was something disclosed in another state then has to be adhered in another state as well and then the aspect of good faith meaning A lender must move with honesty okay so if you ask them hey is your signature created in credit then they have to essentially adhere to the good faith principle and they have to say you know what yes your signature created the money but if they fail to disclose it then essentially they are violating the good faith principle okay so we'll talk about that challenge in a second but the aspect I want to I want to speak to is essentially the the the the the what 12 USC 9 5A pretty much suggest okay since 1933 the US operates under a fiat currency system okay where money is no longer backed by gold but by credit you dig me and if money no longer backed by gold and you cannot ask for gold nor on the aspect of the gold was confiscated from the public how can debt be legally enforcable if it's all credit dig me we talked about this in my previous video we talked about this in the videos prior that money is literally created out of thin air when you apply for something you put in that application your signature actually gets monetized and turns into a financial asset according to the fact since 1933 when they created this Fiat system okay so 12 USC 995a is another law that enforces the fact that debt is already discharged and already prepaid dig me so now the question is how can I use 12 USC 995a um to discharge debt now obviously again these are laws that's going to back you up in your challenge this is not the only way that you're going to discharge debt you have to understand the full legal process in order to do that and that's something I discuss and my complete that guide okay now here's the here's that the aspect of cancelling debt using this law okay so we can argue that since the government declared a National Emergency in 1933 and suspended the gold standard all debts have technically been discharged under public policy okay so if it's been discharged under public P policy now the bank has to essentially prove that they are above that jurisdiction and if you're in the United States if you are a US bank then yes you are not above this policy you dig me this is public policy all right now this also means that the banks may not actually loan real money which we discussed because this is in modern money mechanics where it says that they instead create credit through Ledger entries okay so modern money mechanics affirm this which is the book of Banks and also at the same time we have laws put in place that says that your obligations are acquitted or discharged and then we talk about the full faith and credit and how this is a full credit system and each state has to treat each law it can't be okay in this state oh it only works in that state no it doesn't work like that you dig me every state has to honor the public policy okay nobody is above it if we're talking about the the the banks in the United States all right so now is the other aspect of here here are the legal arguments of that number one if the banks don't lend actual money what consideration do they provide in your loan contract consideration meaning where does the money come from okay so so if you guys don't lend actual money how can you sit there and say that you loaned US money okay you are violating the full faith and credit because you clearly didn't loan US money it's clear and it's already documented not only because I'm saying it but the law says it the public policy says it okay a book about your fractional Reserve System says that Federal Reserve Act section 16 says that you dig me so so if they are saying these things then boom you now ask the question of what is the consideration through their loan contract how is it even a loan contract if you didn't loan me money okay if it's a loan then there's an exchange you feel me or as a matter of fact if it's a contract then there is an even exchange if I signed something that you then went and made money on and I didn't even get no real money out of it but you typing something in my bank account yeah there is no consideration of a real contract okay then the other question is if the US government decare debt obligations to be paid under public policy why are we still paying Banks okay if they discharged it what is the bank hoping for they know this already okay and then the other question is does this mean that we can legally challenge the debt enforcement see the whole aspect of debt discharge is challenging whether they have the position of enforcement yes we can prove the fact that that they that the debts are discharged but it's not on the aspect of where you'll tell them your debt is discharged and you just stop paying the debt you're going to have to pretty much challenge their enforceability if that's even a word if they can even enforce that debt in the first place and you have to provide evidence as to as to either their their uh misrepresentation then violating the good faith law okay so if they're doing everything that they're supposed to do then yeah they would essentially tell you the truth they wouldn't give you no BS you dig me so then we tap into how to use 12 USC 995a to challenge debt so step one what you want to do is you want to demand proof of loan funding it's very uh uh it's not very simple but that that's the basic That's the basis of your argument you want to challenge whether they actually got funded or they even funded you in the first place and if they did fund you then you have a right to send them a letter asking for these things hey how did you fund me okay did you actually use your money or did you monetize my signature did you actually loan me money you have a right to ask these questions and the letter or what you would send them is a qualified written request which is a qwr under the truth of Lending Act okay you can look up this pdf online or you can grab the complete dead guide I will have that template in the complete dead guide okay number two you want to request proof that the lender actually loaned you money rather than creating credit from your signature you dig me you have a right to ask these questions and you can simply just ask them these questions sometimes you even have to think oh I got to be so legal and things in that nature no you just need to ask them the question and they have to good faith perform and answer your question honestly truthfully and in good faith and if they don't do that they'll be in violation of the Uniform Commercial Code it's that simple then we go to the aspect of using UCC 3-35 which is the holder in due course 3-35 mean where you are essentially protected in the aspect of boom that you as a borrower have a right to challenge a creditor's right to enforce a debt okay and if the lender cannot prove that they are the holder in due course they may not be able to collect how they will prove that they're the holder in due courses providing an original note with your wet ink signature you wet ink signature not a photo copy again I will keep repeating these things so that you guys can fully be understood because what will happen is I'll tell you guys these things and then we're still stuck on oh a $199 and this that and the third but the argument and the challenge that I'm bringing to you is not to where it's a hope it's where you're asking them these questions and you are now playing offensively you are now forcing them to provide proof not you having to continue to provide proof to them because there's no proof that you need to provide to them because they know this already you just have to ask them the right questions and when they don't answer these questions they are in violation under the truth The Lending Act under the Uniform Commercial Code you dig me so yeah you can send a coupon you can send uh write your own promiser note you can uh do a1099 and things of that nature but yes all of this is important but it's not that needed if you understand how to communicate with them understand what questions to ask them understand that when they don't answer these questions properly you can hold them accountable to it my baby so boom let's dive into how to essentially file a dispute with 12 USC 995a okay you want to send send a legal debt validation letter okay and all this can be in one letter we asking them if they're the holder in due course asking them to demanding demanding proof okay but you want to reference 12 USC 995a okay reference hey Under 12 USC 95 A2 it says that all debts are discharged and acquited okay so essentially I want you to prove that the debt is not already paid under public policy and if you give me some BS saying oh you know that doesn't apply to us you are not moving in good faith you're actually lying to me and you can tell me everything you want but go ahead and put it in writing so that when we get to coure I'm going to challenge everything that you just said okay and the court is going to have to honor that under the good faith the court cannot lie to you either everything at the court is going to be on record so you can BS me all you want but it's not really going to work if I know the truth okay they cannot enforce a judgment if they cannot prove or man or when you ask them for the proof and they didn't provide it they cannot enforce a judgment okay it's not legal advice do your due diligence request that the lender shows you how the debt was created in lawful money not just Ledger entries so you want to ask them these questions these specific questions hey how did you create the money boom if you saying that you loan me money how did you get the money oh you got your money through fractional Reserve banking oh so that means you was already paid forget that you're saying that everything is discharged now we're talking about you already being paid for my promiser notes from my signature I gave you the right to create credit when you look at the definition of a creditor under the truth to Lending Act 15 USC 16001 You Dig Me Maybe a602 definitions and rules of constructions it says credit means the right granted by a creditor to a debor to defer payment of debt or to incur debt and the first payment the right granted you feel me so I granted you the right to create credit okay because guess what a creditor refers to only a person dig me so again you go ask okay well what is what is the point of you telling me this well let's look at the definition of person it seems a person means a natural person or an organization okay and then you all say okay well all right organization natural person okay Bet organization means a corporation government governmental subdivision agency trust estate partnership Cooperative or Association so organization is Capital One organization is that loan company organization is that mortgage company but let me ask you this can an organization does it say under the definition of organization that they can be a natural person a natural person is some somebody who has a body living and breathing and can't nobody you feel me have more power than a living breathing person you feel me look if they don't have this they cannot create credit you dig me like come on now I ain't have to show the guns on y'all but that's that's literally it right there you dig me and this is under the truth of Lending Act Congress put this together 12 USC 1602 you feel me you can go look at these definitions all you want but what I'm telling you is is that they are unable to prove their legal stance of even creating Credit in the first place and if you tell me that you loan me money you are literally lying so it's not that you'll sit there and and and and and fight them and and when they say oh we did loan you money or these laws don't apply to us okay Bet prove it in court don't just go based off of what they say tell them to prove it in court my baby so then we go to step four and if they want to make up this line then you want to file a complaint against the lender okay so if the lender cannot provide proof of funding you want to file a complaint with the CFB the FTC and your State Attorney General and if because if the government declared debt is paid in 1933 and the banks don't lend real money how can they legally enforce debt so this is when you tap into the cfpb the cfpb you you go I just tried to pull up the cfpv P cfpv website but it's not allowing me to reach it but essentially when you bring up the cfpb I'll show you guys I'll try to access it maybe you guys be able to access it but when you go to the CFB you essentially go and um you'll submit a complaint and you'll put uh fraudulent lending practice or debt anything that deals with debt collection and things of that nature and you want to follow that form based off of these things and when you go through the through the uh complaint process you want to quote these laws you want to quote what you have done you want to include your evidence you can't go to the cfpb first you have to do the actual administrative process the actual legal process before you decide to go to the cfpb the FTC or the state attorney general or it will not work okay they're going to just push you off they're going to say hey you can't do this or they're just going to be looking for that evidence and if you can't provide that evidence then they're going to basically make it seem like nothing could be done also even after you do the cfpb and all of these aspects you have to be willing to sue the debt collector you have to be willing to sue the bank if you're not willing to sue the bank or take them to court and have them prove what it is that they're trying to say that they can or can't do or did or did not do the only person that you can truly have this being en forced is if you take them to court and when you think of the aspect of taking them to court M claims is 10,000 or more I mean 10,000 or less so if you spend less than 10 grand or if you want them to or if you're suing them for less than 10 grand some states are different 15 grand in some states 20 grand in some states then you can go ahead and represent yourself okay still consult a legal professional and an attorney on the consumer law protection side I'm actually starting to build my connections so that we can start to get more consumer protection lawyers out there that I even ta into pro bono but we'll we'll we'll talk about that at a later date then we tap into if it's anything above 10 grand okay this is when you want to take it to a federal level okay but if we're talking about a debt that's discharged and you're just challenging whether the debt discharge or you want to challenge them on their violations then you shouldn't really have to go over 10 grand or more okay because you send these letters over a couple of months and the violations of the Fed that collect Practices Act is let's just say a TH or so then you know if you sent over 10 10 letters then and they gave you insufficient responses then you know that's 10 grand and so but if you catch them or other violations where they misrepresent a lie and things of that nature under the truth The Lending Act it says they will be under criminal liability so if you bring these things up in court you challenges these aspects of them they can be in a position where they are criminally liable for violating your rights okay and the thing is when it comes to the court system or when it comes to any legal battle if you're able to prove to them that you'll potentially win in court they will settle okay whether it's they're going to stop bothering you and stop act pretending like you own them owe them money or they're going to straight challenge or they're going to take it to court with you okay and the only time they would do it is if your negotiation skills are not that good okay but when you get there if you have your documents and your evidence and you are able to show that you're going to win they will settle okay again no promises again you have to be well versed on these laws you have to go take a look at these laws yourself you have to be willing to do your due diligence tap in down below with the complete Deb guy the the complete Deb guy is only 47 bucks and essentially teaches you the entire administrative process and how to communicate it include all the templates and things in that nature that I talk about in my YouTube videos and my YouTube videos really bring Clarity to what I teach okay now now that you guys kind of know the hidden truth behind 12 USC 995a this is things that nobody is talking about and and essentially how you can use it to challenge debt again this is just one law but there's so many laws that you can put in One debt validation letter that they have to prove okay so if you guys understand that thank you for watching the video make sure you guys are like comment and and subscribing down below um go ahead and take a look at the complete that guide It's Only 47 bucks number two I have a one-on-one mentorship go ahead and sit down below it's more credit and financial literacy and Financial Freedom focused okay it's not debt focused it's focused on sit on on building your finances so that you can be able to secure Financial Freedom so if it's anything in regards to debt go ahead and check out the complete debt guide continue to watch the Youtube videos and take access take action on your own but if you're looking to build your credit fix your credit even for the people that do the debt discharge and things of that nature and our credit is shot tap in my 101 mentorship work with me 101 we're going to build your credit we're going to work with you to build your credit and if we fix your credit you're going to be able to get 100 100K Plus in funding Okay then if we're talking about hey look I want to be able to uh you know fix my own I mean I I I I can't put these letters together or you know maybe I don't want to read these things and or I'm in a situation right now where I don't even have the time to learn Bo down below I have a I have solo suit solo suit will essentially help you against debt lawsuits where you can pay upfront and they'll pretty much generate the letters for you and pretty much at any point in the argument they will be able to help you okay tap in with solo suit and also at the same time if you're brand new check out my Instagram page at bizni bizni um it's pretty simple and uh check me out shoot me a DM if you have any questions about my YouTube video want to learn more about my products and services but other than that man what do you think about 12 USC 995a okay do you believe debt has already been paid under public policy Drop it Down Below in the comment section um I want to hear your thoughts and don't forget to like subscribe and turn on post notifications because I do Post daily okay at least 5 days a week we'll probably bring it up to more videos but I think that right now we're we're pretty much this is giving me time to really my videos together and uh do the research and due diligence and this is something that I pretty much am on a daily basis doing so turn on the post notifications and uh yeah so you can get the notification of the next video for tomorrow all right but other than that thank you guys once again and I'll see you in the next one by