what if I told you that you can challenge debt discharge contracts and even fight back using the law without ending up in jail in this video I'm going to be giving you the truth about debt discharge and why the government isn't coming after you like the internet makes it seem Let's clear up the fear and help you move smart so that you are not scared Now I want you to understand that if you use debt discharge the right way it is 100% legal You dig me but using it the wrong way could land you in serious trouble So we're going to be covering these things today I'm going to be breaking down the truth about debt discharge whether it can land you in jail and how to use legal remedies like UC consumer law and conditional acceptance without crossing the line Now I've studied federal law commercial codes and realworld enforcement and I'm here to protect you from the fear tactics and false info about debt discharge Now a lot of times I'll get messages like this all the time Nick am I going to get in trouble for sending conditional acceptance can I go to jail for challenging a loan contract what if they think I'm committing fraud well look I get it When you start waking up to how the financial system really works it will be overwhelming Trust me I understand But here's what they don't tell you Using the law is not a crime I mean but if you misuse it right if you try to do it without understanding it then it is See let's just break down how you can operate so that you are confident and you can stay protected See there's the aspect of what we're going to be talking about today The whole point of today's video is because not only have I been having these conversations but there's a there's a fear that we have when it comes to these things Okay and I want you guys to understand that debt discharge is a civil matter not a criminal one There's a difference Okay in civil cases the worst that can happen is probably you may get sued dismissed or you know some type of judgment where you have to pay Okay it's not going to be a case where you're going to go to jail for civil matters Okay you can't go to jail for not paying a loan or a credit card or even a mortgage Okay but there is a difference between legal remedy and fraudulent misuse All right so let's talk about when debt discharged or when what actually gets people in trouble Okay or as a matter of fact let's let's first talk about when it's legal Okay here are some valid uses that will include Okay challenging contract enforcement under UCCC 3-305 Okay There's a a a commercial code that literally challenges whether or not a person can enforce a contract That's not anything criminal It's in the law Okay Number two if you send a conditional acceptance letter and asking them for a proof of claim that is not illegal Okay Conditional acceptance is you saying "Hey I will accept this if you can prove X Y and Z." What is criminal about that okay Number three tender of payment under UCCC 3-603 it says in the law itself okay that under UCCC 3-603 tender of payment it says if if tender of payment of an obligation to pay instrument is made to a person entitled to enforce the instrument and the tender is refused there is discharge to the extent of the amount of tender of the obligation of the endorser or the accommodating party having the right of recourse with respect to the with respect to the obligation to which the tender relates So I break that down to say listen it's right there You want me to pull it up again it's right there So why would you go to jail for exercising what it says on there think about it for a second Okay using affidavits to preserve your rights is not illegal Okay an affidavit is a written letter Okay you are exercising your right Why would that be a criminal okay citing laws like 15 USC 1692G which is what the Congress wrote 12USC 411 or even the Truth and Lending Act 1635 is not a criminal uh action Okay it's not even wrong It's very legal and it is right Okay it is written by them They said you can do this Okay just for the record this is not legal advice This is not financial advice Whatever the case may be do whatever you want with this information If you still have fear after this by all means but this will probably be the last video you'll need to get over that fear okay cuz going on forward I'm going to continue to keep giving the game But you guys got to get over that fear of actually exercising these things Even if you get it wrong the worst that's going to happen is that you're going to end up paying the bill anyways You already are You mean so if you already are paying the bill what doesn't hurt actually trying the remedies okay these strategies rely on public codes contract principles and lawful process Okay understand that you would not be avoiding debts You are lawfully challenging the process And there's nothing wrong with you challenging someone Now here's when you can get in trouble Okay and this is where people uh uh uh uh get themselves in a situation Number one you use forged or faked financial instruments like fake checks bonds or money orders Okay when you file fraudulent UCCC financing statements without proper authority Okay when you claim to be sovereign while rejecting all law Okay we there is a sovereignty argument out there But you have to be able to back it up by truth okay not theory okay and there's even people who's on a different spectrum of sovereignty and things in that nature But you cannot reject all law That doesn't mean you're above the law Okay but paying your debts is not a a law-ab So when we talk about the sovereignty aspect if you do something criminal then yes you are doesn't matter if you're sovereign you're going to be taken care of Okay if you do something fraudulent it doesn't matter if you're sovereign it's still going to be taken care of You mislead others with guaranteed discharge or magic letters Okay see this is the thing I tell you guys about my templates and things in that nature as an educational tool I never guarantee that my letter is going to discharge your debt It's only to help you understand and challenge the process Okay none of my letters are going to just discharge your debt You have to understand the educational aspect and the the legal remedies in order for you to get results I talk to people all the time who want okay what do I send what is that is going to discharge my debt It's never that simple because I can give you all the letters in the world but if you don't understand how to do this then you're not going to discharge any debt If you still have fear in your mind or you don't even if you have fear in your mind it's literally because you haven't read it I can easily talk to somebody and tell whether they have read the law themselves I was speaking to someone the other day They say "Well you know uh uh my my wife this that and the third is is scared and think that they're going to come and get me." And I'm just like "Well the reason why your wife thinks that is because she doesn't know the law She hasn't even read the law And I know that you haven't either." Okay If I said "If you can't prove it to your wife that you can discharge debt what makes you think you're going to be able to prove it to a debt collector?" See you don't even believe it in believe it yourself You can tell me all the brick road that you are uh studying I've been studying this for as long as I can No you haven't You just took somebody's template or based off of what somebody told you and you just went off of that You never did your own due diligence Never did it And this is why you end up creating fake documents or you end up creating fraudulent things or or or fake financial instruments I'm not saying none of those methods work out there but you have to be able to explain to them or be able to shift the burden of proof on to them to prove that whatever you did was fraudulent But if they say it was fraudulent and you don't respond back to it then yes it is fraudulent And that's something that's that's uh uh uh uh that can get you put in a bad situation Okay using fake IRS Fed or bank documents The person also said that they was sending letters to the Federal Reserve Bank Why was you doing that that has nothing to do with you You just had to send a letter to the bank and have them prove where the money came from You just had to go based off the person that contracted with you or says that they have a contract with you and challenge the contract That is not any unlawful But these are the people that the government watches not the ones using law in due process This is why my video is about the due process aspect of things Okay none of this stuff that you may see about filing this that and the third is not debt discharge Okay it is fraud Okay if you're not doing it correctly it is fraud Okay and if you're trying to make them think or believe that what you're doing is not that is also fraudulent Okay but I'll tell you this you won't go to jail for learning the law or standing on your rights Okay because they have to prove you don't have a right But if you can try to game the system dishonestly then they're going to game you back Whatever the case may be you have to be able to explain everything that you're doing And if you can't explain it then you shouldn't be doing it It's just that simple We think that we're going to send a magic lotion or potion in and it's going to work and they're going to say "Oh it's discharged." But you don't even understand the aspect of discharge Discharging means transferring the obligation from one party to the next Did you know that your 1099 when they charge off your debt that is discharged okay so instead of you trying to discharge it again how about you just ask them for the 1099 or have them prove that it wasn't already settled because the law says that if it was settled under UCCC 3-5305 if it was already settled then they aren't the holder in due course and you have defenses against that Okay When you use remedies like 15 USC 1692G when you use truth the lending act when you challenge the contract these are things that you can do and it was written by Congress Okay so you don't want to do that fraudulent activity Okay meaning if you just knowingly file false information okay create fake documents Okay yes you could be charged with fraudal obstruction if you impersonate government entities using fake seals pretending to be a judge or a clerk or mailing forged instruments that can trigger federal charges Now there are aspects of no you don't need to inherently say that you are yes you when you do walk into a court in instances you are a another judge But a lot of people don't understand that you have to bring your own jury There's many more aspects to just like uh uh uh trying to play that sovereignty card Okay But what I'm teaching you don't need to do all of that Okay Then it's also on the aspect of when sovereign citizen tactics go too far right someone mix valid consumer law with extreme sovereign legal theories and starts refusing to comply with lawful court orders or files frivolous lawsuits they can be held in contempt and charged with obstruction Okay maybe on the aspect of that a company should be giving you millions of dollars because you are sovereign but you don't really understand that and you're just going in there No If anything that sovereignty aspect is going to help you in in in in the in the private Okay you want to take care of that matter in the private Okay and if anything that conversation in the courtroom should be more of a hey I want to take care of this in the private so we can go ahead and dismiss this That is a very different conversation than you going in there telling the judge that they should be following your orders in a way that uh uh uh uh you can't genuinely explain I'm not an expert on this Okay there could be people in the comment section that say "Oh you can do this that and the third." You know what I mean but that's fine Go to them Okay but the people that actually win are the people who ju who use the law to their advantage Just use their rights You already have rights Whether or not you're in a public or in a private you have rights Okay you don't even have to go in there and play this sovereignty card if you know the law Okay you don't even have to play this bib biblical card if you know the law There's people who say "Well you could do this stuff under the Bible and this that and the third." And yes that can be true But is it is it truthbased or is it theoretical okay cuz theories don't work in court Okay so you want to stick to that educational truthbased principles Okay you want to use legitimate dispute methods Okay you want to cite actual consumer protection laws that are in place regardless if you're sovereign sovereign or not You mean so here's what the law says okay because I'm going to go ahead and talk about the laws I talk about these all the time but I'm going to go ahead and talk about the laws that inherently gives you the ability to do this regardless if you're a sovereign citizen or not Okay so let's dive into it First things first we'll come back to legal tender but because I think that's something I'm going to break down even further The debt discharge is supported by law and these are the laws that support debt discharge Okay as a matter of fact we'll just dive straight into UCCC article 3 which talks about negotiable instruments If you guys don't know what a negotiable instrument is okay a negotiable instrument means a unconditional promise or order to pay a fixed amount of money with or without interest or other charges described in the promise or order Okay this is just the definition means a unconditional promise or order to pay Okay But in this entire section it talks about the aspect of negotiable instruments how it can be created the rules and regulations behind it Okay Then we dive into UCCc article 9 which talks about the secured transactions Secured transactions uh uh anything that is regards to secured debt Okay So there are there are two whole sections about negotiable instruments in the secured loans or the secured credit cards or the secured whatever the case may be Okay there's two whole sections that are geared towards this If you wanted to learn more about this dive into UCC article 3 dive into UCC article 9 okay negotiable instruments and secure debt Get the clarity that you need read these laws understand these laws and when you get to this point where you understand these laws then you're you're going to be more confident It's not even going to be about a a a a criminal case It literally has says nothing about crim criminality in understanding these laws and using them to your advantage Like if we dive down to uh UCCC uh uh 9-210 you have a right to request for accounting request for regarding a list of collateral request for a statement of account meaning you can ask for all the accounting in regards to your account that proves that you owe a company I don't see where it says that oh you will be going to jail for doing this It says you have a right to do this Okay Then we dive into the Truth and Lending Act Okay The truth to lending act is this entire subsection that breaks down the truth in lending Okay Now part of the truth in lending Okay It says congress finds that the economic stabilization would be enhanced in the competition among the various financial institutions and other forms engaged in the extension of consumer credit Anything you're using your SSN on would be strengthened by the informed use of credit What does that mean informed use of credit results from an awareness of the cost thereof by consumers And it is the purpose of this subchapter to ensure a meaningful disclosure of credit terms and so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit and to protect the consumer against inaccurate unfair credit billing and credit card practices So under this subsection you have a right to demand and ask for the disclosures of your lending contract It protects consumers from undisclosed agreements Okay when you contract you must have a meeting of the minds You must know any and everything about that contract And if you don't then that other party has an obligation to disclose any and everything about that contract So for example they file a 1099 C and the debt is settled and you ask them to provide you the copy B of the 1099 C This is you using your right under the Truth and Lending Act Dig me so then we dive into UCC and under article 3 it says that you have a right to challenge a company whether it was settled or not You have a right to challenge whether a company has legal standing to collect on a debt after it was settled you have a challenge to challenge the company and based on whether they are the holder in due course and that's all under article 3 Okay Then we dive into 12 USC 95A Okay And this is regulations of transactions in foreign exchange of gold and silver property transfers vested interest enforcement and penalties And this says text contains those laws in effect on January 2nd 2001 Okay Now if I just go straight to what part do I want to go to it says any payment conveyance transfer assignment or delivery of property or interest therein made to or for the account in the United States or as otherwise directed pursuant to this section or or any rule regulation instruction or direction issued here shall to the extent thereof be full acquittance and discharge for all purpose of the obligation of the person making the same Okay And no person shall be held liable in court for or in respect to anything done or omitted in good faith in connection with the administration of or in pursuance of or in reliance on this section or any rule regulation instruction or direction issued here under Okay So it gives insight on the aspect of what lawful money is Okay And then we also dive into 12 USC 411 This is also connected to the Federal Reserve Act section 16 that breaks down the aspect of how money is created Okay So two acts that breaks down the aspect of lawful money Okay You can go you can read these to your totality I can also throw out there Federal Reserve uh Federal Reserve Act section 16 I can also throw out there modern money mechanics But it breaks down the aspect of money is created and how the banks use the Federal Reserve system to be able to create money use us to be able to borrow money from the Federal Reserve to get back to us Okay Also breaks down what lawful money is Okay But then we dive into 31 USC 5103 legal tender It says United States coin and currency including Federal Reserve notes and circulating notes of the Federal Reserve banks and national banks are legal tender for all debts public charges taxes and dues Foreign gold or silver coins are not legal tender for debts So long story short they cannot ask you for gold or silver Okay and they cannot just ask they cannot ask you for crypto as it regards to debt Okay but a lot of people say "Well this this just says that you know uh uh that the dollar is legal tender for public and private debt." See yes it does but it doesn't It's that's literally saying that this is the minimum Okay this is the minimum What this means in layst terms is that only coins and paper money issued by the United States government are considered legal tender Meaning they must be accepted if you are paying debt Okay so you really could give somebody all coins if you wanted to So if you owe someone money like a loan a court fine or tax you and you offer to pay it in US dollars they legally have to accept it and they can't say we only take gold or you have to pay in crypto Okay so here's what people get confused This law doesn't mean that other things can't be used to pay a debt it just means that the US currency must be accepted if offered So while the US dollar are mandatory to accept it doesn't mean that they're the only valid forms of settlement Okay So how does this support the debt discharge argument okay It doesn't directly idea it doesn't directly support the idea of rejecting the dollar But here's the nuance okay the nuance is the financial system operates off negotiable instruments under UCCC article 3 Contracts and offers to pay not just physical cash Okay a properly constructed remittance coupon promisary note or notice of tender can be seen as an offer to pay You mean especially if the bank already monetized your signature You dig me and you are not saying I won't pay You are saying here is a lawful tender in the form of a negotiable instrument Validate your claim if you disagree Okay if you disagree validate it Okay tell me that upfront so that it can be so it can be discharged for your refusal Okay uc 3- 31 USC 5103 just defines the minimum legal what the minimum legal standard is Okay it doesn't outlaw other methods of lawful settlement especially within the uniform commercial code or in contracts where parties can agree on alternate forms of payment Okay so understand it's not about fighting against the dollar cuz there's nothing wrong with using a dollar Okay you're just questioning the form and process by which debt is created and paid Okay this law says that they must accept dollars but lawful discharge doesn't always require physical dollars especially if the debt was created with no physical money in the first place Okay so when you understand this it's not really an aspect of okay is this right or wrong do I only need to use a dollar that's what you are questioning them on And you have a right to question And then lastly to wrap this up okay 15 USC 1692 G or as a matter of fact we just go to the entire whole fair debt collection practice act You have a right to challenge any debt collector I don't care if they're a loan mortgage company credit card utility bill You have a right to challenge the validity of a debt You have the right to dispute and demand validation of any debt I don't care if you believe that they loaned you money Challenge them What's the worst that's going to happen they're going to say "No it's not." And then you're going to shift the burden of proof and ask them to prove their validation Okay by providing the chain of title you have you are within your rights to question the contract And that is not a crime If anything this would be the last video you need to get over that fear of actually doing it because what's the worst that's going to happen you're gonna end up paying the bill You was already doing it Okay so let's just talk about how to stay protected because a lot of times I can give you all of these laws but here's the real way to just stay protected if you're going to do this Number one you're going to make sure you stay in honor Don't fight except conditionally Hey I'll conditionally accept this if you can prove X Y and Z Now it's not even a fight It's just them proving what it is that you asked for And if they prove it then yeah I'll pay it Okay Number two keep documentation Keep your certified mail Keep your receipts Keep your affidavit Because if they try to take you to court for this stuff or say that you did something fraudulent all you got to do is show in court what you have actually sent them and be able to prove in court how you had the right to actually do these things And now they must prove in court why they didn't why they had a right or where their jurisdiction was to not uh accept these things or their jurisdiction to be above that Okay you can use lawful templates and site codes properly Okay so if you get the letter templates in the complete debt guide if you get those things understand them first before you send them And make sure you understand the laws so that you know and understand what it is that you're doing and you're doing it in a proper way Don't promise debt discharge okay to others especially if you don't understand the process okay if you don't understand the process then yes debt discharge is not going to work Okay there's no promise that debt discharge is going to work just because you send a template or you send a 1099 There is no promise to that Okay there's a lot of people in out here that will say "Hey this is how you do it." And people don't even inherently tell you that They speak about the laws And some of us think that the law promises debt discharge But it's a right that you need to exercise not just talk about you know I mean and if you're unsure consult and get lawful guidance okay not Tik Tok gurus or even YouTube gurus right i'm not even telling you to trust me You know what I mean i'm always going to tell you to do your own due diligence Take a look at everything that you get all the education and educate yourself right don't just stop at watching my YouTube videos Go and actually take your own action and educate yourself on your own because right when you just go and take just a little tidbit and the empowerment that you got from me and you go and you actually look up this information you're going to have more confidence and you're going to send that letter You mean education equals protection and you can use the law without abusing it See this even when you know it Don't just abuse it There's people who come out here and say "Hey I want to get alone so I can discharge it." That's abuse Okay yes it may work but if you do it too much then yes somebody's going to come after you Okay so now that we got all the way to the end you cannot go to jail for using debt discharge the right way When people get in trouble it isn't the law Okay they aren't using the law That's why they get in trouble It's the lies All right Protect yourself using truth paperwork and proper process And if you do this then you will win Okay Now now that we got to this point thank you guys for watching the video All right If you got all the way to the end comment the word discharge Number one go ahead and grab the complete debt guide if you want to gather more education and understanding in the templates so that you can learn how to be able to write these things on your own and understand the law even more Grab the complete debt guide It's only 47 bucks Okay if you grab the complete debt guide you become an affiliate and you can also refer to other people and make money as well Okay in that you're going to get get my own uh debt validation pack You're going to get my own conditional acceptance kit letters and things of that nature so that you can know and understand how to write these letters what you should be asking for and what to expect Okay that's in a link in the description Number two if you're looking to work with me oneonone okay and you're looking to fix your credit get funding and also at the same time build a profitable business okay become a online authority be able to start your own business You get to complete that guy You say "Dang well I'm referring this to people but now I want to be able to create my own business and be able to create my own digital products create my own uh turn my passions into money." Tap into that one-on-one mentorship okay because we could talk about many things I help people with credit help people get business funding and I help people actually uh create money digitally okay at the end of the day I can help you make money Okay so tap into that one-on-one mentorship but only if that's what your goal is If you get on the phone with me and you're trying to ask me a million one questions I'm going to cut the conversation short Okay Number three follow me on Instagram for daily credit and law strategy Okay Not only will do we talk about that we talk about motivation mindset I drop gems and and codes and things in that nature that you be able to get every now and again Go ahead and tap into my Instagram at biz.nick Okay Now have you ever been told this was illegal or risky let's clear it up in the comment sections okay make sure to like subscribe turn on the post notification because when you move with the law fear cannot stop you Thank you guys once again Comment the word discharge and I'll see you in the next