what if I told you that there was a legal way to flip the power dynamic in a debt case by using three documents most people don't know exist now in this video I'm going to be showing you how to combine a affidavit of truth a conditional acceptance a notice of tender into one powerful package that forces your opponent to respond now or even better automatically lose standing now I've studied commercial law contract enforcement consumer rights and I'm here to show you how to use paperwork the system respects more than emotion now before we dive into this make sure you like and subscribe to the channel okay if you do that that is a that's a small free investment into the continuing of creating content specific for this so make sure that you stay all the way to the end so that you can get any and all piece of this game okay a lot of times people don't have the attention span to not only watch the video but also at the same time take notes so that they can have a full understanding and be able to do their own due diligence another thing this is not legal advice okay and this is not financial advice do what whatever you want with this information i'm just putting out the game so I'm not gatekeeping information that I study okay i study this on a consistent basis so this is me giving you guys my findings all right and if you guys see my findings as a valuable way to empower yourself to start taking action great okay but other than that I have nothing to do with that my goal is also to keep you guys from being emotional when it comes to this process a lot of people when it comes to this process are very emotional and they focus on the emotion behind the things instead of the strategy behind actually getting the work done okay trust me I've been in the same exact position before as soon as I start listening to these things as soon as I read Meet Your Straw Man as soon as I read the UCCC connection as soon as I read parts of the Redemption Manual I'm not going to sit here and lie and say I've read the entire Redemption Manual a lot of people haven't you know I mean but my goal is to take the emotion out all right and focus on actual concepts that you can utilize and use and start taking action because you cannot get on the phone and start crying and complain about truths that we know are to be true their goal is to obviously make you feel stupid make you feel like you don't know what you're talking about because they've been getting over you on you on this entire time and also at the same time understand the system is rigged so it's not the it's not our fault that we have to go through a a do we have to do things a certain way some people will say "Well I shouldn't have to do this or I shouldn't have to do that." Well that's just how the game is you can't hate the game just play the game okay now let's dive straight into this okay some of the things that we're going to be talking about today is why the strategy works okay we're going to be talking about the uh different types of documents okay we're going to be talking about the aspect of how to package and send it and you know as a matter of fact just diving straight into it we're going to be talking about the affidav affidavit of truth we're going to be talking about the conditional acceptance we're going to be talking about a notice of tender and how to package this and send it properly so that they are not dishonoring you okay and if they do dishonor you how to be able to come back against that all right so this will be a very smooth video so make sure that you guys are paying very close attention staying all the way to the end if you stay all the way to the end then you will get a special treat okay i may even show you the letter that I put together so that you guys can be able to get an understanding and be able to write your own letters now let's dive straight into this why this threepart strategy works okay most people fight debt with fear or silence but you're going to fight it with contracts facts and lawful offers okay a lot of us don't understand that you can actually challenge them on the contract you can have them provide the pertinent facts and you can shift the burden of proof through lawful offers and saying hey look man I'll conditionally accept this or I want I'm I'm pro I'm showing you these truths now you have to provide claims against them and these are all lawful things that you can do okay now these three these three tools when used together can shift the burden of proof and expose whether the party has standing evidence or a valid claim okay see that's the whole aspect of this okay our goal is to put them in a position to where they now now they have to provide the proof okay now they have to uh uh uh uh uh now they have to scramble for information and documents because there is a requirement by the law that they must provide specific pieces of information and if they do not provide specific pieces of information then they lose that legal standing okay so it's important for us to to get comfortable with number one uh the affidavit that I'm about to talk about but also number two getting comfortable with writing back to debt collectors okay is it isn't always a solution to just go ahead and pay your debt you can always write back the debt collector before you decide to pay if it gets to the last moment and you just like "Okay this is something I want to just get off." By all means do what you got to do so that you can be able to move forward in your life but if you are in a situation where you're saying "Okay bet well I do want to challenge these people i'm not about to let a collection agency take advantage of me." Or if I know that my car was charged off and I know that that money was settled I'm not about to sit here and and pay for a car that was charged off that they already made money off of if you know these situations and you're like "Hey I'm not trying to be taken advantage of." By all means do what you got to do okay now let's talk about the affidavit of truth okay what is an affidavit of truth the affidavit of truth is is a sworn statement of facts okay it lays out all the pertinent facts in regards to uh uh uh um the contract in regards to um what has happened so far in regards to who you are as many when you think of affidavit of truth just think of this is the truth or all the truths that you know okay and number one if you give a statement of facts typically they're going to rebut so if it is unrebuted given the fact that they will rebut but if it is unrebuted then these truths are have standing in commerce okay so understand that it's the same thing as a conditional acceptance the same thing as you send in a presentment if they do not respond or if they do not rebut to it then they agree to whatever the truths are okay and if you put down the list of truths and they only respond to one piece of truth then you're literally not denying the other truths okay it lays out your position saying pretty much no contract no disclosure no verified debt and you can declare no lawful loan you can declare no wet ink signature you can declare that debt was paid by a third party whether it's insurance or securitization like we've talked about in our previous videos and if they don't rebut every point they agree by silence so you cannot say "Well uh uh uh uh you agreed to something but I never number one I asked you i said hey you didn't provide a wet ink signature to show that I agreed." Okay you did not provide a lawful loan okay and also said that your debt was paid by a third party okay you can say "I agreed to something but did you respond to any of my other declarations?" No you didn't okay a lot of times people will sit there or and be upset that they respond back literally like not responding to anything that you specifically said and if they ignore you then that's even better you ignored me you I mean if you ignored me then I'm in a better position than you are because what if I ignored you what if you said I owed you $10,000 and I ignored you then that would stand true in commerce am I right or am I right okay so it's important to understand that they don't rebut every point and you have to know your points you have to be very specific about your your truths when you create your affidavit of truth because a lot of times we don't even we'll just take a template and we don't even know what the heck we're putting out there as a truth this is why I'm very keen on not just throwing out a template and telling people "Oh go buy this template go buy that." I don't do that because my whole important key is to for someone to understand what it is that they are reading understand what it is that they are looking at so that when they do send it out there they're not sending it blindly hoping that me sending this will get me the result so what happens is people will send this and say "Well I sent my I've spoken to people say I sent my affidavit of truth this that and the third." I'm like "Okay well what did like what did you say in the affidavit of truth what did you hope to happen well they didn't discharge my debt." Well okay did you challenge them on the truths that you sent them did you respond back did they Did they respond back how did they respond oh they just ignore me okay well then that stands true in commerce and highlight that put them on notice that it does okay since you guys didn't respond everything that I just stated in my previous letter stand true or well I sent my affidavit of truth and it's like almost like they didn't even respond to the affidavit of truth they only respond to you not paying your debt that's what they're trying to do okay so boom you send an affidavit of truth to lay out all the pertinent facts whether it's about the the loan whether it's about the wedding signature that you was not given whether it was about the times you sent letters to them whether it's about your standing in commerce right if I'm a living breathing person that's also a truth if I'm a if I'm a natural person that's also a truth so if you even went back and said you have to respond to that as well because if I'm a natural breathing person then I stand over you when it comes to commerce because you are a dead entity so if I put that out there and I say hey look I'm a living breathing man or woman okay and you don't respond to that or as a matter of fact if you say no you're not like come on bro now you're going to have to prove that I'm not a natural living breathing person you know what I mean so that's the whole point if I send put out some truth you're going to have to prove that it's not you know what I'm saying now then we dive into the aspect of conditional acceptance now we talked about this in my in in my previous video i'll go ahead and link that as well we're at the 10-minute mark i'm sure when I cut this down it'll probably be like eight or nine minutes but I'll go ahead and put that up here so that you guys can be able to access it okay now conditional acceptance you mean when it comes to conditional acceptance it is powerful because it doesn't deny anything it agrees if they can prove their claims okay so it forces them to produce information in regards to the contract that is true or not true if you say something is is is a certain way then I need you to produce that okay and if you can produce that then I will pay you see now it's not even a conversation of saying that I won't pay you right so they can't say that I didn't perform on a contract it's an aspect of saying "Hey look well boom if you could produce the original contract if you could produce the proof of lawful consideration if you can produce that chain of title if you can produce the accounting and I'm asking you for four items then I will accept or agree to whatever it is that you're telling me to do." And they do the same thing to you they can do the same thing to you but if you do this this will keep you in honor under UCCc1-308 which is the All rights reserved uh uh all rights reserve uh code okay also keeps you in honor under UCCc 3-501 which talks about presentments I believe let's pull it up uc 3-501 presentment means demand made by or on behalf of a person entitled to enforce an instrument to pay an instrument made to a draw party obliged to pay the instrument or in case of a note accepted draft payable at a bank to the bank to accept a draft made to the draw so let's dive let's dive straight in okay when you send a presentment upon demand of a person whom whom the presentment is made the person making the presentment must exhibit the instrument give reasonable identification if the present is made on behalf of another person reasonable evidence of authority to do so sign a a receipt on the instrument for any payment made or surrender the instrument if full payment is made okay and it says without dishonoring the instrument okay the person to whom the presentment is made return the instrument for lack of necessary endorsement refusal of payment or acceptance for failure of the presentment to comply to the terms of the instrument in agreement of the parties or other applicable law or rules so long story short once you send this presentment they now have to this is you moving in honor okay long story short when you send a presentment to a company they are now under contract to follow directions and not dishonor you okay a presentment is you moving in honor okay and if it's not then you're going to have to prove it to me okay so then we dive into the aspect of exactly what it says i accept your claim upon proof of X Y and Z if you can prove it then I will pay it and this doesn't put you in a position where you're saying you're not going to pay it so you can't go in court and say "Well he just doesn't want to pay it." No he said "If you can prove X Y and Z then he will pay it." Have you proved it where is your proof no so I love the conditional acceptance process and paired with the affidav of truth becomes an excellent tool okay then on top of that this is when you want to pair that notice of tender okay so if you were to uh do a remittance coupon if you were to submit a a a uh um a 1099 right if you were to create a promisary note okay you are and you offer and and this is essentially you offering a lawful payment or discharge let's just say if they do produce this information this can include that promisary note that coupon remittance this could include that bonded instrument this proves you made a good faith effort to settle the account okay now let's just look at the definition of tinder when you look at the definition of tender tender is to unconditionally offer money or performance to meet an obligation so it doesn't say up here that tender is money okay it's a verb it mean to unconditionally offer money or performance to meet an obligation that can mean anything if I just told you that a presentment is a performance then technically that is a tender if a promisary note is a unconditional offer of money then it can perform to meet an obligation okay when there you see that or that means either or okay so essentially if you send this and they try to say that it's not legal tender they'll have to prove that it's not an unconditional offer of money or performance to meet an obligation that's that's why I love this that's why I love taking a look at the law and reading the law because in certain situations they cannot prove certain things okay so and because all you have to do is pull it up they're going to have to go against the constitution now if they reject it if they reject it it is equal to a dishonor okay so this is why we send a notice of dishonor okay when when you send a lawful tender or good or a good faith effort to settle an account it says here that the protest must identify the instrument and certify either that the presentment has been made or if not made the reason why it was not made and the instrument has been dishonored by non-acceptance or non-payment the protest may certify that notice of dishonor has been given to some or all parties so essentially when there is evidence of dishonor then that is something that they must answer to and provide reasons why they dishonored okay now here's the other aspect when we look at the tender of payment uccc 3-603 talks about the tender of payment a obligation to pay instrument is made to a person entitled to enforce the instrument and the effect of the tender is governed by principles of law applicable to the tender of payment under a simple contract so let's dive into what is the main key of the tender payment okay if a tender payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused then there is discharge to the extent of the amount of the tender of the obligation of the endorser or accommodating party having the right of recourse with respect to the obligation in which the tender relates so if you put out there that hey look man I'll conditionally accept this offer if you can prove X Y and Z boom let's just say they prove it you then send your notice your your tinder with your notice of tinder okay if I'm going to do a promisary note then I'm going to put them on notice that this is my lawful tender that I'm using to settle the account and I'm putting you guys on notice that I am moving in good faith to settle the account they reject it there is a dishonor because you're literally dishonoring my tender a payment and then we dive into you guys refusing or saying that my tender is not something I can lawfully use then there's discharge okay to the amount of the tender so if my promisary note says that hey look man you know I'm willing I promise to pay 10 grand in order to settle this debt okay and this is what a promisory note on the very simplest term is essentially doing a promisary note is an IOU just like that Federal Reserve note if you want to look at the Federal Reserve Act section 16 and understand exactly how the the banking system works and the fact that they just literally loan IOU dollars and give it to us or better yet they do accounting entries in our account which is the definition of a unpaid balance you'll understand that it money isn't exactly what it seems okay it's all a promise so if you wrote a actual promise to pay that is the same if not more value than an actual dollar okay because this gives them the ability to take it and then multiply that money even more okay so long story short here's my lawful tender payment if you refuse it then the obligation is discharged and if you put that all in one letter you put this all together there's no way that they're going to sit there and just not just openly just refuse it and they will and they may you know if they do then you already said that it's discharged so yes go ahead and take me to court and try to say that I didn't perform my contract and I'm going to show all my evidence and all my communication between all of you guys and and and everything that I laid out and you guys are going to have to prove that that wasn't lawful tender okay now here's how to package it and make sure to send it properly number one you want to include all docs and one notorized mailing okay number two you want to title it commercial affidavit of truth and tender offer with conditional acceptance you want to send it via certified mail with a return receipt okay if you send it with a uh a negotiable instrument registered is also a good way to send a notice of tender but also at the same time a legal tender or a negotiable instrument if you send it registered then it gets um insured but even if you don't do that you can send it certified but make sure you send it to all parties involved because either way they're still going to have to answer to whatever you send them okay send it certified on register so that you can get that return receipt if they fail to respond points for points you send a notice of fault and then a notice of dishonor okay you got to put it put it on notice hey you guys didn't respond point for point yes you say I agreed to XY andZ or you can tell me that this is a lawful tender but I broke down why this is okay so now you're going to have to respond point for point and if you didn't then it's a notice of fault it forget everything that you're trying to claim if you don't answer what I conditionally asked you then you are at fault okay and if you continue then you will have dishonored me so if that is the case this is evidence that they can you that you can use if they decide to take legal action later now understanding that when you combine truth acceptment acceptance and lawful settlement into one package you are no longer begging for forgiveness you're demanding evidence standing in honor and forcing the system to follow the rules and that's the real power now let me show you this i'll show you guys personally how to what you should be asking in regards to an affidavit of truth what a conditional acceptance looks like and if you were to put all of this together how a how they should be interpreting this now I'm going to be going through this very quickly and obviously do your due diligence okay um this is also included in my complete that guide so if you want it go ahead and grab it if you're able to sit through this video write every single thing down by all means go ahead and do it now obviously if you you go ahead and title it properly you add your trust name address lo so on and so forth you put the creditor collection agency serer name you title it affidavit of truth conditional acceptance and notice of tinder regarding alleged account reference you put in that reference number in your affidavit of truth you're putting boom my name is blank i Nicholas a living man woman declare the following to be true correct incomplete to the best of my knowledge number one I have no verified knowledge of a lawful contract agreement or obligation between myself and your agency or any alleged creditor i have never received full disclosure consideration or a wet signature agreement proving a meeting of the minds okay number three I dispute the alleged debt in its entirety and assert that it may that it may have been satisfied bonded discharged securitized or otherwise settled number four I am unaware of any lawful claim your office has that supersedes my rights under contract commerce and constitution this affidavit stands as truth as truth unless rebutted point for point within 10 days of the receipt so then we dive into conditional acceptance i hereby conditionally accept your presentment and claims upon the receipt of the following a certified copy of the original signed agreement bearing my wedding signature proof of lawful consideration exchanged at the inception of the agreement a full chain of assignment from the original creditor to your office a full accounting and ledger under UCCC 9-210 showing all debits credits discharge and insurance payouts proof that no third party has satisfied or offset this obligation six valid proof that your office is the holder in due course under UCCC 3-301 absent of full compliance your claims will be deemed unsubstantiated and no legal or moral obligation shall exist now enclosed is a lawful tender of payments in the form of private remittance coupon private remittance coupon instrument offered in good faith in accordance to UCCC 3-603 and applicable tender law this tender constitutes a bonafideed effort to discharge the alleged obligation any rejection or refusal to this process this lawful refusal to process this lawful offer constitutes dishonor under UCCC 3-505 okay for to rebut this package within 10 days will result in your default in agreement to all terms expressed herein okay all rights reserved without prejudice UCCC1-308 reservation rights if you send a knockout letter like this okay it is no way and I'm gonna have to just flip off that if you want that go ahead and grab the complete that guide go ahead and go back and reread it write every single thing down look I don't even care you guys don't even have to go on the complete debt guide to get this you can go reread it you dig me and write everything down but if you want my template go grab the complete debt guide it's only 47 bucks okay now understanding that you can put this all together in one letter a lot of times we think we need to do all of this package this that and the third but if you have the simplest understanding of how to put together how what exactly you should be asking them for and you have a simple understanding of you know affidavit of truth conditional acceptance uh a notice of tender you can put this all together in one letter and you can challenge them directly and when you put all of these things here you have they you give them specific instructions you lay out exactly what it means if they dishonor you or they ignore you so if you go in court and you show this information and they are trying to rebut against this now in court and you already said within 10 days if you don't respond then you dishonored and you essentially accepted everything and you don't respond point for point not that you just respond you have to respond point for point if you don't respond point for point then you are deeming everything that is on here as true you're deeming that you cannot uh uh uh uh uh uh you know uh prove my claims to not be true okay you cannot prove your lawful consideration okay you cannot show that you are the holder in due course then what am I law which I don't have to do if you cannot prove these things you cannot do nothing about it okay and that's the beauty because if you challenge them if they challenge you on these things they would expect you to make sure you go point for point okay and yes by all means but send this to all parties involved don't just send this to the C customer service customer service may not know what to do with this make sure you send it to the customer server make sure you send it to payment processor make sure you send this to the legal department if you got their number make sure you send it to their legal counsel make sure you send it to every party involved make sure you send it to the headquarters because a lot of times what we'll do is we won't send it to we'll just send it to one party and then they'll send us a letter back of some pre-automated response saying that oh you cannot do this or this that and the third but hey even if you sent it to the wrong person there's a thing called a court of satisfaction where they're supposed to make sure that to deliver it to the right person okay if they can't if they don't deliver it to the right person then whose fault is that but still make sure you do your part and you're sending every any and everything to the all parties involved now we've got all the way to the end okay if you stayed all the way to the end you're a real one make sure to comment that word discharge because I will consistently drop more bangers knowing that you got to the end and I'll keep giving you guys treats and tip uh uh tidbits so that you guys can be well away on your journey again this is not legal advice i'm putting out the information that is available to any and everybody that watches these videos this is probably a banger video okay so if you want that three-part affidavit go ahead and grab the complete debt guide it's only 47 bucks okay if you want to work with me oneonone okay and and tap into my mentorship where I focus on helping you build your credit helping you get funding and helping you uh uh start a business tap in my one-on-one mentorship if anybody taps into my one-on-one mentorship it doesn't take out the fact that you will get all of the game that I know about this now I won't do no work for you but I will make sure that you know and understand any and all of these truths that I'm talking about okay so yes my one-on-one mentorship is geared towards credit funding and helping you uh develop a business but obviously if you tapped in with me and you're in my pocket then you're going to be able to get all this now this is for people who want to change their lives okay not only uh uh uh financially but want to uh break those generational curses that want to you know help their family out in a big way those people that want to actually uh become something and leave a legacy tap into that one-on-one mentorship this is not for somebody who's just trying to do something small with their life this is for somebody that's trying to do something big this is somebody who wants to actually uh uh uh you know uh uh create something for themselves and leave a legacy if you're not trying to do that do not apply to my one-on-one mentorship because that conversation is going to be very deep and if it's very surface level then you're probably not going to fit for what we have going on okay so but if that's something that you want to do and you want to be able to change your circumstances change your life and you want to be able to connect with somebody who who is number one doing it but also at the same time willing to give you the guidance and the focus so that you can be able to move forward tap them with my one-on-one mentorship okay my time is valuable so I only gave my one-on-one time to certain people okay now number three follow me on Instagram for daily consumer law and credit game or if you want to be able to get tapped into every time I drop a new YouTube video you want to be able to be tapped in every time we every time I drop some more game whether it's a video motivation mindset tap in with your boy at biz.nick on Instagram have you ever tried sending an affidavit or offer to settle and got ignored tell me what happened in the comment section make sure to like subscribe turn on the post notifications because this is how we fight with facts and not fear fight with facts without emotion you dig me if you got all the way to the end make sure to comment the word discharge and I'll see you in the next one