What if I told you that under US public policy, every debt you have is prepaid and your coupon is the proof they don't want you to understand. Now, in this video, I'm going to break down why lenders and agencies are required by law to accept lawful remittance. That's right. We're going to talk about how public policy shifted in 1933 and how you can use that to enforce your right to discharge debt. I've studied commercial law, public policy, and the UCCC, and I'm here to show you why what they call a coupon is actually your key to lawful tender. Now, before we dive into this video, this is not legal advice. This is not financial advice. Do not employ these strategies without doing your own due diligence, cross referencing everything that I'm talking about. Don't take everything that I'm saying for face value. Make sure you do your own research. This is only for educational purposes only. You dig me? The more you study the things that I'm talking about, the more confident you'll be in the process. And that's what I truly wholeheartedly want you guys to be more confident in the process so that you guys can exercise it. All right. Now, this video is compounding on the aspect of coupon remittance and how to properly do this. All right. Nobody talks about this in the ways of breaking it down in simplest terms, talking about the legal merit behind it. They'll just tell you how to do the process, but they don't tell you the legal merit behind it. So, I'm going to talk about the legal merit behind it and why they must honor it. Okay. Now, also, thank you guys for watching this video. Make sure to hit the like button. Make sure to subscribe to the channel so that we are at the top of the algorithm as it pertains to coupon remittance. Okay? Everything that I'm going to talk about today will literally tell you everything you need to know about coupon remittance. Okay? And I'll keep beating on this topic until people get it. All right? Because I have people that I speak to that still don't understand coupon remittance, still don't understand negotiable instruments. So, this right here is just another reinforcement on how to do this process properly. Okay? Every once in a while, I'll compound on this. So, think about this as part three and I may do another part four and a part five to the coupon so that we can have a full understanding of this and start exercising this properly and gain more confidence on asserting your rights. All right. So, some of the things we're going to be talking about is when the public policy shifted. We're going to talk about what remittance is. We're going to talk about why they can't refuse. and we're going to talk about what to send to enforce the public policy that we're going to talk about today. We're going to talk about why the remedy is required by law. So, make sure you stay all the way to the end because we're going to be given some game that nobody is talking about. Okay? People are afraid to talk about this because they want to inherently make this mysterious. Okay? But when you learn this, it's not that you always have to look at this as something that I just have to start maneuvering this way. It's more of understanding just having that mindset shift so that you can look at money and debt differently. Okay? So you're not controlled by debt. So you're not controlled by money. All right? Money is energy. And if you know how to divert that energy properly, then you won't be feeling like you are giving so much energy to make it. if that makes sense. All right? Or that they are extracting a lot of energy out of you. So, let's dive into it. Make sure you have a notebook and a notepad. I'm going to be dropping some things. Yes, I'm not the perfect editor, but if you guys listen and learn and you guys take notes, everything I'm talking about will aid you in your journey to discharging debt. Now, let's talk about the shift in public policy. All right. Now, when we look at House Drink Resolution 192, this was enacted in 1933. Okay. So it's 2025. So almost it's literally 90 years ago. Okay. Close to a century ago they enacted a policy that abandoned the gold standard. And when they abandoned the gold standard, Congress declared that no obligation can be legally demanded in gold or lawful money. Okay. At this point, this is when that fiat currency was created. Okay. Now I'll do another video about the the the beginning of them creating a fiat currency even in the aspect of constitutional currency. Um been been thinking about creating a video on that. But this right here is when it be when it started to be in the more modernized system. Okay. In this public policy under House Joint Resolution 192, it declared that all debts must be dischargeable through credit or tender. Okay. So when you look at it, it says on June 5th, 1933, Congress enacted House Joint Resolution 192 to suspend the gold standard and abregate the gold clause. This resolution declared that whereas the holding and dealing in gold affect the public interest and therefore subject to proper regulation and restriction and whereas the existing emergency has disclosed that the provisions of the obligation which purport to give the obligate right to require payment in gold or a particular kind of corner currency are inconsistent with the declared policy of Congress in the payment of debts. Okay. This resolution declared that any obligation requiring in gold or particular kind of corn or currency and every obligation here for and hereafter incurred shall be dis discharged upon payment dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. Okay? And take the time to look up House Joint Resolution 192. Read it for yourself. Okay? when you read it, it's just going to open your mind. All right. Now, that's not all. Okay? This is just a key because the the thing that you have to think about is if they took away lawful money, they have to provide a remedy. That remedy is discharged through credit instruments such as the coupon. You dig me? So, let's talk about the aspect of what remittance is. Okay. Remittance is the act of tendering a payment. It says yes, remittance can indeed refer to the act of tendering a payment particularly in the context of financial transaction. A remittance is essentially the transfer of money from one person or entity to another often to settle a debt and provide payment for goods or services. So someone says well they said that I agreed to pay. Well this is considered payment my baby. Okay. It says rem remittance are common ways to make payments especially for international transfer bills or invoices. Okay. So a lot of times you know people will say hey you know you need physical currency but the thing is there is no physical currency. Okay if you didn't get physical currency then why would you give them physical currency? Okay so if that's not exchanged it doesn't matter. You can use remittance as a act of tendering a payment. Well, they'll say, "Well, that's not legal. Tinder, my baby." If I bring up the definition of tinder, we talk about this a lot. Tinder is to unconditionally offer money or performance to meet an obligation. Nowhere does it say that Tinder is a dollar bill. All right, this is for my new people because I know the people that watch all my videos, they understand this. Now, when you offer a performance, that could be a coupon billing statement, that could be a bill of exchange, that could be a money order, that could be a promisary note, okay? That could be the uh the that could be I mean promisary note, promisory note, however you want to pronounce it, but it's the promise to pay, okay? which makes it a legal tender, which also makes it a negotiable instrument. Okay? And the creditor has an obligation to process, not ignore, lawful tender. And most of us get ignored as it pertains to us submitting our coupons or any negotiable instrument, bill of exchange, money order, whatever the case may be. Sometimes we get wrapped up on what's the proper way to do it. And I'll show you the law that breaks down how to properly do it. But even if you do it properly, they're still going to try to make you think that or manipulate you into thinking that you did it wrong. Now, here's another code I want to talk about, which is under UC3-603. Under UCCC3-603, the tendering of payment discharges the obligation. So, what happens is if a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there's discharge. It says it right there. Well, you can't discharge. Well, they Why would they put it in the law? You just got to think about that for a second. You got to use your head. You got to use your brain. When you see these concepts, when you start to read it for yourself, this is going to build confidence for you to actually start taking action. You dig me? Then we dive into equity and public policy and how it's going to uh pretty much supplement uh the UCCC. Okay. So it says the uniform commercial code must be liberally construed and applied to promote its underlying purposes and policies which are to simplify, clarify and modernize the law governing commercial transactions to permit the continued expansion of commercial practices through custom usage and agreement of the parties to make the uniform to make uniform the law among various jurisdictions. Okay. It says unless displaced by particular provisions of the uniform code, the principles of law and equity including law, merchant and law relative to capacity to contract principles agent, a stople, fraud, misrepresentation, duress, corer, mistake, bankruptcy and other validating or invalidating cause supplement these provisions. So long story short, it's saying that in you can utilize equity and public policy as well as under the commercial capacity. It's saying that when some of the things that are underlying or not necessarily seen on the surface such as these things here, stoppable, fraud, misrepresentation, duress, coercion, mistake, bankruptcy, things in that nature that may not inherently be said, okay, falls under the equation of equity, okay? And equity is about fairness. All right? So technically if it's not fair technically if you did it in if you log if you got some emotional harm then it falls under the category of equity but they won't inherently say this for uh some of the codes under the U under the UCCC but this right here is saying hey this goes handinhand with it if anything is supplement it because I know we missed some steps here. Okay. So, the thing is if they refuse your tender, they dishonor the obligation and the law protects you, not them. That's why they don't want you to know. They don't want you to know that you are the one that's actually protected. They want you to think that they are the ones that are protected. They're going to try to make whatever you say to them seem like what you're saying is wrong so that you don't believe it. Okay? When you don't believe it and you trust what it is that they say and you believe them over your own research, then that's where you kind of get lost. This is why I'm very big on making sure that you stay educated on the information. So, you don't just believe what somebody says. You know it for yourself. Just think about it. Police officers will say, "I am the law." But no, the heck you're not. Okay? You just enforce policies. As a matter of fact, you are a public servant. You are a servant to me. Okay? You are a servant to the law. You are not the law. But only a person who doesn't know that will say, "Well, yeah, you are the law." No, you're not. Okay? So, here's why they can't refuse without dishonor. Okay? When you go to 3-50, it talks about the evidence of dishonor. Okay? So, anytime there's a failure to accept, okay, it falls under the UCCC 505 and dishonor can trigger default, liability, or discharge by silence. Okay, take your time to to to review this. But once you make that lawful tender, they must respond point for point. So, if you give them points and demands and they don't adhere to that or they insufficiently respond, then they are in dishonor. Okay. It's not just something that they can just gloss over, hold it, and not respond back to it. It's not just something that they can just uh uh uh uh just ignore. Okay? By law, they must respond or their silence means default liability or discharge by silence. Okay? So, the key is the the understanding is that your coupon is not trash. I don't care if they ignore you, don't send it back, don't respond. It is not trash. It's a request for tender and your signature completes the instrument. Remember when I told you that your signature is the power? You remember that? If it gives you the power or if it creates a instrument, a financial asset for the bank to actually make money, what makes you think that anything else that you sign with your beneficiary signature on there doesn't also become a financial asset to the bank? So, they'll tell you it's trash, but it's really more valuable than they'll tell you. It's actually more valuable than you think. Okay? But what you'll do is you'll see that and think it's something that you have to pay, but the reality is that coupon is a check, a fin a negotiable instrument literally made for you to fill out and sign and accept it for value. Now, we're going to talk about that in a second. Now, the system was built on performance, not punishment. Okay? And they depend on you being ignorant and not knowing how to exercise your rights, how to assert your rights. You dig me? They don't want you to assert your rights. They want you to not be in a state of of of of the unknown so that they can get over you, so that they can make the decisions for you. Okay. Now, here's what to send to enforce the public policy. Okay. Now, when sending the coupon remittance, these are the things this is these are the steps that you want to take to make sure that you are following directions. Okay. Number one, you want to include a letter of endorsement or in other words, an acceptance for value letter. You want to say, "Hey, I accept this coupon for value in lamest terms." If you don't know how to do this, you can go on Google, find out how to create the letter, okay? But you want to create an accepted for value letter. And then you want to make sure you create the tinder properly by following the directions under 31 CFR 328.15. Okay. The laws that we use or this or or the pieces that we use is this top piece. Okay. And when you go to the next portion 31 CFR 328.6, six, it breaks down how you should be put properly putting together this coupon. And so I got another video where I pretty much broke down how to do this. So, we're not going to do this on this video, but it says the endorsement must be imprinted in the left hand portion of the face of each security with the first line thereof parallel to the left edge of the security and in such manner to be clearly legible and in such position that will not obscure the serial number, series designation and other identifying data and cover the smallest possible portion of the text on the face of the security. The dimensions of the instrument should be approximately 4 in in width and 1 and 12 in in height and must be imprinted by a stamp or plate of such character as will render the endorsement substantially eradic eradic that word. Okay. So it also says the name of the Federal Reserve Bank of the District must appear on the plate or stamp used for the imprinting of the endorsement and the presentation to the appropriate branch of the Federal Reserve Bank. It says when securities ought to be presented to the bureau of fiscal service the words United States treasury should be used in le of words federal reserve bank of fiscal agent of the United States. So when you go back here is very simple right it says for the presentation of the federal reserve bank fiscal agent of the United States you will replace this with United States Treasury. It says it right here. Say well man they make this so complicated. The only reason it's complicated is because one of the simple things that you can do is anything that you don't understand, anything you need more clarity on, you can literally copy and paste, throw it in Google, and say, "Hey, what does this mean in law?" Okay? If you don't know the definition of of security, if you don't know what what what the left edge of security is, you know what I mean? if you don't know what what they mean by a a a stamp or plate, you know what I mean? So, it tells you all the information right there. You just have to take the time to read it. Then you dive into House John Resolution 192. This is also a public policy that you can use to essentially enforce this as well. Okay? You want to also attach a conditional acceptance. say, "Hey, look, man, you know, I will agree if you can prove X, Y, and Z. Okay, I will pay and however you want me to pay if you can prove that this isn't something that already pays or discharges the debt." You want to add a notice of tender. You want to say, "Hey, look, I this is a tender that I'm using to pay for my debt or settle the debt in this coupon." Okay? You want to reserve your rights under UCCc 1-308, which is without prejudice. Okay? You want to send it certified mail with tracking or registered. Okay? If you can't send it registered, send it certified. You you really, yes, people say yes, do it registered because that's how you should send the tender. But they'll ignore it anyways. You just need the evidence of you sending it and that's what the certified comes into play. and then make sure you keep a copy of that private administration process. Okay. The thing is if they don't re rebut your remedy, the law presumes acceptance or dishonor. The law presumes and that's all you need to highlight and put that in the letter. Hey, if you don't accept this, then I will assume you accepted it or you are dishonoring me. So, your next letter shouldn't be another collection letter. Your next letter should either be responding as to why you didn't accept it or your next letter should be saying, "Hey, we have taken your payment. Here's the accounting." Okay? Remedy is required by law. Okay? So, public policy requires remedy for all and every obligation. It says it in House Joint Resolution 192. It says that every obligation here for and hereafter shall be discharged dollar for dollar. And this was close to 100 years ago. Okay. I want you guys to also understand that banks operate on credit, not cash. Your coupon is their instrument that they will use as a financial assets. You guys gathering that the credit system we already know is just digital. Okay? So, if they try to make you feel like they gave you lawful money, cash, whatever the case may be, they didn't. They're going to take your coupon, whether you create it or not, whether they tell you that they will accept it, they will make money off of it regardless, unless they send it back to you, the original remittance coupon with a reason why they won't accept it. But either way, if they don't accept your tinder back to UCCC 3-603, it says that my baby, you know, if the tender is a fuse, there is discharge. So, you can discharge it all you want. Men don't care. I don't I won't get emotional about them not responding to my coupon. Why would I get emotional? That's where we get messed up. We get emotional about these things. Oh, they didn't respond back. Well, exercise your right. Follow through with the administrative process. Tell them that they dishonored you. Tell them that since there since there is a refusal, then there's discharge. Ask them to provide proof as to why they refused it. You move with paperwork, not panic. Stop reacting and start initiating. Be proactive, not reactive. Okay? So, when you are offering a settlement, they are required to respond lawfully. So if they reject you, you want to file a notice of dishonor. I keep this down and complete that guide. I have my own template, but you can go online and create your own. Dig me? Number two, proceed with notice of fault plus default. All right. And then use your record for future enforcement, arbitration, or lean. So if you go through this process and they still are attempting to collect or they try to sue you or take you through their own process, all you got to do is present the evidence. This is why you take them through the private administrative process. Not always to, oh, I want it to happen. Of course, we want it to happen. But if you're not willing to go through the entire process, don't expect it to happen. You are doing this to discharge the obligation. And sometimes discharging the obligation isn't always it reflecting immediately on your credit report and things of that nature. This is just evidence to keep them from getting off your back. You then want to take that evidence and make sure to submit it to the proper channels to make sure things do get removed to make sure some actions do get taken. But you have to go through the process and be willing to go through the process. You can't stop at at your notice and then start complaining and making phone calls and yelling at them and getting emotional because they ignored you. No, you take them through the full process. You send them the notice of fault. You have them default and then you take that evidence to court or a legal representative. You dig me? You go to an attorney with your evidence already finished and picked out. Where people mess up is they go to an attorney before they actually challenge. and you go to an attorney and you tell them, "Well, I want to do this and I want to do that." They're just going to tell you, "Well, hey, what evidence do you have this, that, and the third?" In their head, they're like, "This person not going to pay them. Why would they pay me? They about to create a headache for me." And if they're not a consumer law attorney, there are some consumer law attorneys out there that'll do it for you, but they're going to take all the proceeds and in the award, which is fine. If you want to get out of the obligation of paying debt and you want them to represent you for free, that's fine. But if you come to them with the the the plan already done, you coming to them with their with your administrative process already, and then you go to an attorney and you have them represent you and help you communicate this and help you come up with a game plan. That is different than you going and just going to an attorney and saying they're about to do this, they're about to sue me cuz that attorney may take advantage of you and take their time. Okay? So, if the system created the problem, it also created a remedy. And the public policy is your shield. This is how you're going to enforce the coupon. You're going to make sure you understand the public policy. You're going to make sure you know the laws behind tindering payment. You're going to make sure you understand the evidence of dishonor. You're going to make sure to understand the administrative process. You're not going to just do it. And you don't understand these foundations of coupon remittance of utilizing negotiable instruments. You dig me? It may seem like a rocket science, but it's only because you are not reading it. All right. Now, I do not recommend going out there and getting into getting getting into debt so you can just practice this stuff. No, it's not even that. Just use it for things that you need it for. Use it for a circumstantial basis. Use this when you get in a position where you got to discharge your debt. Use this on debts that don't affect you inherently because it's not a debt problem. It's not about the the money. It's more about your energy. Okay? If it doesn't take you a lot of energy to make money to pay your debts, then just do it. But if it does and you don't have the resources or the energy to be able to pay your debts, then this is another way. But you still got to put that same energy into gathering the knowledge and information. Once you gather the knowledge and information, that is more powerful than money. That is more powerful than getting a couple of piece of paper and just submitting it and hoping for the result. What's more powerful is the information. And this is why on my channel, it's more information and educational based than me sitting here breaking down some key steps that you should take in order for you to discharge debt. Like everything is a surefire way. Nothing is a surefire way unless you know the law. If you don't know the law, then nothing will be a surefire way. I don't care how much processes or what this person says and what that person says and how you can fill this out and fill that out and you'll get it done. But they're not going to help you understand it. And even when they do, even when they do break it down and making it to explain, you are just going to go based off of what you see, what they tell. You're just going to go straight to the process and start trying to do the process. But then get on the phone with me and you can't even convince me what you know. I'm not even convinced you're confident in the process. Some of the questions that you guys ask me shows me you're not convinced. Okay? But we are convinced about power. or we are convinced about, you know, we know all the lyrics to our favorite rappers and musicians, but we don't know the lyrics of the constitution that literally gives us the ability to assert our rights. We don't know the lyrics to, you know, uh uh these public policies. We're not able to recite these things and know, okay, bet this public policy tells me this. So, when I do see something, I know how to go about it. You know everything about, don't get me wrong, you know, you know everything about beef and you know what I mean like what rapper is beefing with who. You know uh uh uh uh uh you know about the social media and men and women battle and all of these things, but you know how to combat with with with a man or a woman about how they supposed to maneuver in a household, but you don't know how to combat with a debt collector. Get out of here, man. Take your life serious. Okay. Start focusing on the things that that's going to help you understand its economy. Some of us want to keep complaining about the government and what the government is doing. But man, if you understand the system, you will not be affected by what the government is doing. See, most people are maneuvering with emotion. They're not maneuvering in in truth. They're not man maneuvering in merit. When you understand the system that you're in, you will be emotionless. You will understand why things are happening the way it is. And when you understand why things are happening the way it is, when you can look outside yourself and you can say and and not look outside, when you can look outside and look at the system from the outside looking in and understand, okay, I see why the gears are turning that way. You're not going to be emotion emotional. So, stop being emotional, okay? Because they're not rejecting your coupon because it's fake or fraudulent. They'll say all of this stuff. They're just rejecting it because it is powerful. Why would somebody who is in a place of power want you to have control over them or be more powerful than them? Of course, they're going to fight back. Okay? They'll rather die in GTA. They'll rather do that than let you have more power over them. So, of course, it's going to be an uphill battle, but it's okay. That's the revolution. That's you overcoming the matrix. And once you overcome it, can't nobody take advantage of you. There's true power in that. All right? So, the more you know about the law, the less you play by their decision. So, if you want to learn more about this, if you want the remittance enforcement letter pack, you want to be able to know how to put these letters together, you also want to be able to uh be a part of the complete guide community. in the complete debt guy community. You can also become an affiliate, tap in with the complete debt guy down below. Okay. Number two, if you want to work with me oneon-one to fully understand these consumer law concepts to reach a goal, all right, if you're in a situation where you are uh attempting to um discharge debt and you need somebody to help you review those documents and and and and help you and and answer your questions, tap into that one-on-one mentorship. But it's specifically for those people that's looking to actually take this and build wealth out of it. Not to take this so they can get a car and discharge it. Not to take this so that they can get a home for free. This is not for you. If you're trying to play this like a game and you're not trying to fully understand it so that you can get ahead. All right. Tap in oneonone. If you want to learn from me oneonone, get that private coaching experience and you have actual goals you want to reach. Okay? not a pipe dream, but goals you want to reach and goals that you're already working towards and you just need that that clear up. You're looking to get 100K in funding, go ahead and click that link. You're looking to fix your credit, go ahead and click that link. You're looking to grow and monetize your business, go ahead and click that link. You dig me? Lastly, tap in with me on Instagram at biz.nick. Okay? Tap in with me on Twitch at biz.nick. Okay? We actually just got banned on Tik Tok and I haven't even really been posting on there like that. That's why I have two Tik Tok accounts. But you got to be careful. All right, my last question is, have your remittance been rejected or ignored? Comment below and I'll help you map out the next step. Remember to like, subscribe, hit the notification bell because public policy protects you if you use it. Remember, comment the word discharge if you got all the way to the end. I love you guys. I'll see you next time.