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If you are an honest, ethical person who believes that the party who funds a loan should be repaid, then we can help you. We all grew up believing that Credit was money (legal Tender) and the lender was at risk and that it should be repaid. The reality is the banking system does not work in that fashion. Let's go through how money is lent at the bank level, and then we'll see how this applies to you and your alleged debt.

Here's how it really works:

 First, you signed a promissory note, a promise to pay the credit that was extended to you and interest over a period of time. You expected to do this.

 You acquired the credit by signing a promissory note (your credit card agreement). However, the bank does not let you know that a promissory note is actually a "negotiable instrument" under the Uniform Commercial Code, and that it will be deposited to fund your loan. The banker or creditor turned the note into cash through the Federal Reserve and used it to pay off the credit that was extended to you. The net result is you just funded your own Credit on the power of your signature, and the banker or creditor doesn't tell you up front that it is paid off. That's right...banks and lending institutions only appear to lend money.

 When you signed the unsecured debt agreement, your signature created the credit that the bank or creditor extended to you. The promissory note is a bank asset, and that asset is deposited into a demand deposit type of account. You have just signed an agreement wherein you promised to pay the lender principle and interest when they had nothing at risk to begin with.

 To add insult to injury, the lender can fractionalize your note through the Federal Reserve, expanding its value up to nine times the note's face value ($25,000 can become $225,000), tax-free money the lender can invest or spend as he pleases. You thought that piece of paper was just a commitment to pay back a loan, but to the banker, your signature was worth cold, hard cash!

The "lending" techniques that are used in the Banking System today are beyond brilliant. It took some very smart people to figure out how to appear to be lending money, when in actuality the "Legal Tender" is being supplied by the person that requested the loan. The bank or other lending institution does NOT disclose to you that your promissory note is actually an asset to the bank that they deposit. It’s important for people to understand that in today's Banking economy, promissory notes are the Legal Tender.

All we're asking for is equal protection under the law, equal protection under the bank loan agreement, and for the whole truth about the bank loan agreement to be revealed. Because the reality is, the whole truth is NOT revealed to the borrower. The end result is you and millions of others believe you have a debt, when in fact you actually provided the actual cash value for your own loan. We understand it is initially difficult for a client to accept that the banks would have crafted a plan of such monumental proportions to take advantage of people; however there are resources that our clients can use to further research these issues.

For these reasons and others, we feel it is ethical and justified for credit card holders to discharge these unjust credit card agreements. The FSN objective is to educate you on solutions that are available to you to eliminate these unjust credit card agreements, and free you from that DEBT burden that weighs you down.

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