521. Erase Credit Card Debt & Reclaim Sovereignty - Tommy Kilpatrick

Tommy Kilpatrick

 [00:00:00] 

Welcome to Soul Elevation, guiding your Ascension to new heights. I'm your host, Kara Goodwin. This is a fascinating conversation with Tommy Kilpatrick that's gonna shift your understanding of credit card debt. And very likely transform your perception of reality as we know it, we get into truly insightful information about the credit card system, and if you are in debt, you're gonna wanna connect with Tommy to find financial freedom again.

Tommy also has a very grand vision for how to help humanity in creative and logical ways. So get ready to be truly inspired by this episode.

Tommy a Kilpatrick, a retired American now living in the Philippines, devotes his life to teaching farmers sustainable skills such as bamboo, dome construction, vertical gardening, and creating [00:01:00] free self-managed healthcare clinics.

Born in California with degrees in abnormal psychology and accounting. He has been an author, teacher, and entrepreneur navigating a path that included the ending of a 28 year marriage, a decade long vow of poverty and a faith driven journey living on farms. After writing a book on health and healing, he signed an infomercial contract in 2004, endured financial collapse and $85,000 in credit card debt, and represented himself in federal court where despite dismissals, the debt vanished from his credit card record without tax.

Repercussions from this experience. He became convinced that the $1.3 trillion in alleged US credit card debt is fundamentally flawed and can be eliminated by banks within 45 days.

Before we start, I'd love to invite you to explore the many offerings waiting for [00:02:00] you@karagoodwin.com. You'll find my book, your Authentic Awakening, a Collection of Free Meditations. And other resources to support you Wherever you are on your spiritual path, you can discover upcoming summits and workshops designed to connect you with like-hearted souls and expand your consciousness in real time, and I really appreciate your support with the show.

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Kara Goodwin: Welcome Tommy. I, I'm so excited to have you here on Soul Elevation. I've been really looking forward to this conversation. Thank you so much for joining.

Tommy Kilpatrick: Well, thank you for inviting me. I'm excited. This is gonna be a lot of fun. So for listeners and viewers who are watching, we, Tommy is in the [00:03:00] Philippines and we're, we are having a little bit of a lag in terms of, um, when I ask a question, when he responds, and maybe I'm gonna be able to tighten things up when I edit this later, but if you notice that, just bear with us and there's nothing wrong with.

Kara Goodwin: Your connection. Sometimes when I watch things and the technology is a little bit shaky, I'm like, is something wrong with my internet? So I'll just say that upfront that if you're noticing any kind of lag, don't you worry on your side. But stay with us because this is gonna be a great conversation. I'm super excited to dive into this.

So Tommy, you have had a a major spiritual transformation and that's where I'd like to start this conversation. What can you share about the spiritual transformation you've undergone?

Tommy Kilpatrick: Uh, well, I'd say about 13 years ago, the wife said, get out and take the dog with you. And, uh, that was the best thing that ever happened to me. So I walked away from all of my wealth. I had at the [00:04:00] time, five medical clinics and a charity and, um. It was something that had been, I've been thinking about for many, many years, about what was it like to be poor.

I had never been that way, so I took this as a great opportunity to be homeless on purpose. I could have gotten a house anywhere along the way, but I didn't choose that. I also took a valve of poverty, so that lasted for about 10 years, and so I wanted to feel what it was like to be hungry. At night and to not have a place to stay.

And so I never accepted charity. I always, I worked out an exchange. So that's, I wasn't begging and I was ever dirty. I was never a drug addict. But, uh, I want to experience that. And so, uh, I walk in faith with God and I've done that ever since. And it set trust and faith that I know God will provide what is needed for me, and I do God's work.

So off I went, and, uh, the first stop was in Sedona, uh, Arizona. Very spiritual place. A [00:05:00] very healing and connecting place. I'm sure I, I sure needed that to adjust myself. And, uh, I ran across a evangelical family of being a, uh, bakery in their home. And so I said, I'll give you a year. And so I had some money from my business and I bought a motor home and I parked it there and I lived there and they fed me and I worked for their bakery.

And so after a year, I, uh. I said, you know, I gave you my year, and so I, I helped them very much. I, I think of one example is that she had lost her driving license and had to be driven around, so it's kind of partially her chauffeur. Then one day I asked her, would you like to have your license back? She says, I really would.

I, I really want to have my license back. It was, uh, her husband and her each got a ticket for the same offense of not having insurance and they had insurance, but they didn't have a proof of it. So he submitted to the court. They just kind of forgot about her court case. And so that turned into not having a driver's license.

It was really simple. [00:06:00] So I wrote a letter to the court explaining what happened, and they got a letter back saying, pay this a little bit of money. We'll get your license. So within two weeks she had her driver's license back and she was thrilled. You should have seen the face on her, the smile on her face when she could drive her car where she wanted to go and you know, didn't have be driven.

So that's one of the great things I did for her in that sense, that family, and they did a lot of things for me too. So it worked out very well. I could see the power of prayer. They would go away and, um, to a secret areas and they would just pray for hours and hours and they'd come back and sure enough, a phone call would come through, some would stop by, something would come into our lives and make this whole much better.

And so I've seen the power of prayer. So from there, traveled across the United States, ended up in Maine, and, uh, lived there. I was on a farm. I thought I was gonna die there. I said, just bury me in the back. Didn't matter. We had 32 acres, had a hundred animals growing crops. It was a wonderful life. And then shift happens, and I gotta pronounce [00:07:00] that f So shift happens and I found myself on the outside.

So, uh, I decided to come to the Philippines. I needed to have a, a ticket, you know, an airline ticket. So I, uh, had to get an id. I had left everything, you know, I didn't have a passport, didn't have an id, nothing. And so it took about a year. It was funny, I had to take a driver's test. Hadn't had that since I was 16.

So there I was taking a driving test. Passed very well. I know how to drive a car. So, uh, and then got the passport and everything that I needed a credit card. So it's a funny, my story that I will be revealing that yes, I had to get a credit card to get an airline ticket and to rent a car. So I applied for a $500 credit card from Capital One and they gave me one, even though I had no score and no credit history, none.

It was blank. 'cause I was off grid for so long. And so, but I was a previous customer, so. They had me in their system, so I got a credit card, but having to be one of the banks I sued for 35,000 of my [00:08:00] 85,000 credit card debts. So we'll talk about that, but it's pretty funny. So I'm here in the Philippines.

What I'm here for is I teach farmers how to build dome houses out to bamboo, so it's free housing. I teach how to do vertical gardening, so it's no longer having to bend over. It's a lot more. Uh, volume, a lot more food. You can grow with hydroponics and many different techniques. And then I'm also helping 'em set up, uh, self-managed medical care clinics like I had in the, in the States.

So to finance my endeavors here, I wrote a book and it's called Forgive and Forget How to Nuclear Credit Card Debt. So I have some experience with that. So that's kind of a quick nutshell of where I at right now, where that spiritual, uh. Adventure has still leading me, even me today, while I'm here. Wow.

Kara Goodwin: That is an amazing story. And we haven't, we've only skirted around the, uh, the financial piece, and so I [00:09:00] really wanna dive into this. Let's go into the credit card debt, the legal issues, and everything that people need to know about what happened with that. Take us into this. Sure. Well, I am a retired teacher and I'm an author, so I wrote a book on health and healing and in 2004 I was given an infomercial contract and they needed to test market my different positions and different scenarios and will be the best way to get people to buy the book.

Tommy Kilpatrick: And so I was on the radio for about six months and I needed to live. So I had three credit cards. I lived off of those and uh, ran about 85,000 and. It's not a big deal when you're promised a hundred thousand a month. So that's what we were projecting that I was gonna be making. So let's, 85,000, right? No big deal.

But then one of the talents he got in trouble with the FTC, he made claims in his, uh, weight loss book that wasn't true. [00:10:00] And so they did, came down hard on the company so they can't, all the new, new talent, uh, contracts. So there I was with $85,000 of credit card debt. So, oh my gosh. So what happened is that, uh, put me in a little bit of depression as you could imagine.

How am I gonna pay for this and the income? I stopped all my business so well, what I do and all of this, I'm, I'm sorry to interrupt you, but this was before the what? The story you just told me before you walked out on your life. With the dog. Yep. This is 2004, so we're going back to 2004. Mm-hmm. Of what happened.

So then I woke up one morning thinking about my dad. He's a CPA, and I was studying to be a certified public accountant, even though I never finished, I have done the work one without the credential, and I realized that the bank does not have an invoice. So I have no debt with this bank and I have a [00:11:00] memory.

And so one of the books we had to read in our accounting class was from the Federal Reserve about banks. It was called Modern Money Mechanics. And in there it says that the banks have to accept a promissory note first, and then they write numbers into your free checking account. That's how they make a loan, and I never signed a promissory note.

My phone law at the time was an attorney and a judge, and we had long conversations about fraud and does all contracts. So even though you use the card, you have to fulfill their terms and conditions, not when there's fraud. So I have no contractual agreement with the bank, so I decided on my own by myself to sue in federal court.

Three banks for the 85,000. So that's where that kind of came about. And then what happened is we were going along pretty good. Uh, we were gonna have a deposition, meaning the bank was gonna have to send one of their employees to my [00:12:00] office, and I was gonna be able to ask them all these questions and find out if they have an invoice.

Where's the promissory notes and what are they doing in their scam they're doing? So I figured out that there's a worldwide bank fraud going on, and, um, I don't think they wanted to send somebody, so all of a sudden got called into court by the judge. My father-in-law said, that's really weird. Judges don't call you and not the defendants in the court.

So he said, Mr. Kilpatrick, do you have a credit card? Let me start at the beginning. We'll start at the beginning, a little later. Do you have a credit card? I said, well, it was a gift card. A gift card, pull your card out, he read, write, it says right there, credit card, you're an idiot. Get outta here. So he dismissed all three cases and I'm going, oh God, now I'm back to square one again.

And so about a month later I happen to look my credit report, and all three banks were [00:13:00] gone. My credit score improved. So explain that to me. So, so let's, let's, um, just make sure that everybody's able to follow that. So you were called into court with the, and the banks were not, so it was just you and the judge.

Kara Goodwin: Mm-hmm. And what the words that you were using were, I have a gift card because there was never any invoice. And from the, from the banks and. While you were in court, the judge said, get outta here. This is not, you know, this is a credit card. Didn't it seem to agree with you? And it seemed like you didn't make any progress, but it appeared to be that way.

But then you never heard anything more. No. But you went and looked at your credit score and everything had dissolved. Yes, those three accounts were off my credit report [00:14:00] and since they were nothing derogatory anymore on those three accounts, my score actually went up. So, yeah, so that, uh, because also I didn't get a 10 99 c.

Tommy Kilpatrick: Lemme explain what that is. If you take a loan from a bank for let's say a hundred thousand dollars, and you don't pay them, they notify the IRS that you got a hundred thousand dollars and didn't pay for it, you'll be having to pay about 35, 40 $5,000 of taxes. And they do that because then they can take a tax deduction.

So they have to do that first before they take a tax deduction for their lo loss. So in my pleading, in my, uh, complaint, I said that if you give me a 10 99 C I'm gonna file a 39 49 A. So. My dad being a CPA, I have the IRS as part of my DNA. So what, what a 39 49 A is, is a notice you send the IRS of a fraudulent action by a taxpayer.

So I [00:15:00] told the bank if they did that except be a phone, it would be false that say I had a loan, so I was gonna notify them of the bank committing tax fraud. So they never sent me a 10 99 CI never heard from ever again. And then I just told you in the beginning that. Years later, I had to apply for a credit card and Capital One gave me, that's the important words, is they gave me a 500 credit card even though I had no score and no credit history.

But I was a previous customer and I must have been a good customer, even when it threw them for 35,000. But the, you see, it's the whole thing and, and you don't have to believe me. Your audience does not have to believe me at all. Okay? I sent you some show notes and there'll be three links and you look up the links and see if I'm accurate, if I'm truthful.

I also asked you to send this podcast to your CPA or anyone who's had one class of accounting, and they'll tell you. I've never thought about that, but yeah, this guy's right. There [00:16:00] is no invoice, there wasn't a loan and. Fraud undoes all contracts. So he's asking the bank to close the free checking account and, okay, what could have hurt?

So that's what I'm saying to you is that you don't have to believe this. What I have figured out is you're a victim. These, we are a victim of bank fraud. And I'll explain more about that. 'cause law is language, and language is law. So if you say you have credit card debt, you've got it. There's nothing I can do for you, okay?

But if you use the criminal's language, then you're never gonna win the argument. So what happens is that when we see the TV and there's a bank robbery in progress, we always say alleged. All I'm asking you to do, you and your audience is to add one word, is alleged credit card debt that puts the burden on the bank to prove it.

So if you go into court and say, [00:17:00] I've got credit card debt, I can't help you at all, but there is a way of asking the bank to, if you say alleged, now they've gotta prove it. So that's my whole point is that we start from that. Let me ask you a question. Is it possible you, your audience and Me too have been lied to?

Indoctrinated and brainwashed? Is it possible? It is possible. Okay. It's possible. So a lie is a lie. And we can tell what a lie is. A lie. But what happens if it's told generationally? What if someone said, Cara Mommy says this is a credit card, okay? And you've got to pay every month. Okay? If you don't, they'll sue you in court.

Okay. The courts know this, the attorneys know this. The whole system knows this. So this is being brainwashed. I'm not trying to insult you or your audience and me too, but if you question it, then you're not no longer brainwashed. All I'm asking you is [00:18:00] question this. 'cause I think you are a victim of a bank fraud, a worldwide bank fraud, and I'm the one who has revealed it.

So I'm really your victim, right? Advocate is what I see myself as. So that's what is all happening with for my position. So it's not getting out of debt. This is not a get outta a debt scheme. You are a victim and I can help you no longer be a victim. Wow. I mean, I love this so much. I, I'm curious, so we've talked about this in the context of credit card debt.

Kara Goodwin: How does this relate to student loan debt or taxes, or what, what are the other implications in terms of how we are being siphoned from. Oh yes. And this is only fixed very specific. Okay, so this does not work for student loans. It doesn't work for. Home loan doesn't work for an auto loan. That [00:19:00] doesn't work for a loan that you put up your yacht or something for.

Tommy Kilpatrick: And you signed a promissory note. Oh, good. Not because I'm really worried about my yacht. Everyone's got one in the backyard. I know, right? So. There is ways of, of, I, I find people, money is the funniest thing, so there is ways of paying things off. So it depends on where you're at in a system and stuff like that.

I can take you from the easiest part right now that you're going, I don't wanna get on this mery, go run anymore. I'm gonna get off. Okay. Or you've been sued? Uh, I had a podcaster just, uh, six days ago. He had interviewed me and he contacted me. He said, I've been sued by Citibank for $3,300 and I've got about five days before it's gonna be a default judgment, so I've gotta respond.

And so I helped him through a, uh, private membership association. It's called a PMA. So I'm able to do legal work without being an attorney. Okay. 'cause it's a private. Associated [00:20:00] just two people that I can talk to. So what we did is we figured out a strategy to a, a, we need time. So he sent a letter to the court, to the judge, and it had to go to the attorney too of the bank.

And he said, I'd like to have more time to extend it before I have to answer this, because I wanna find an attorney. We're not looking for an attorney, but the judge loves that kind of stuff. They all want money in the, in the systems. They're all brothers. You know, the brotherhood sticks together and we'd like do some legal research.

Okay? But he wants to file a counter complaint, so who in their right mind would ever file? Everybody knows we're all brainwashed. This is a credit card debt. You have no, you have no defense. Well, what could the defense be? That's where they're gonna find out. So that's where I expect them to dismiss the case very soon.

If they don't, well they're gonna find out that they don't wanna wrestle with us at all. So we will point out they're crime and stuff. So we'll kind of get into that a little bit later, but that's what [00:21:00] we're, it's only about credit cards. So let me explain to you first there are true credit cards. Okay?

Let's say you want some tires. Kara, you car. Had to follow. You need them or you're gonna die. Right? So you pull into that, uh, tire store and they tell you how much you're going, huh? I don't have that. But they say, Hey Cara, apply for the in store credit card and see if you were approved. You're approved.

You get the tires, you drive away. You didn't pay for those tires, did you? No. You didn't pay for the service. They balanced the wheels. They put 'em on your card nicely, so you didn't pay for that. You're gonna get a statement at the end of the month. That's true. They have an outstanding unpaid invoice, which is true.

You owe the money. You have to pay the tire store. It's their tires. It's their workers that balance them and put 'em on your car. So that is a debt you owe, okay? You can't get out of it. This is not getting out of debt. [00:22:00] But how about a Walmart card or a Amazon or a department store card? Look on the back of the card.

If it says issued by Bank of America, Citibank, Wells Fargo, then that is a store. It's not a store issued credit card. It's a bank issued alleged credit card, and that is a phony one. So that's how we know the difference between a true credit card you owe money on and you gotta pay it, and the ones you don't because it's not a debt.

Kara Goodwin: Wow. Okay. So this is so fascinating. I'm curious about so many things. Um, how, where do you go from there? Okay, so you are living in the Philippines, and this is something because you're not the first person that I've come across who has done some of these things that we, we, I mean, in, in this. S this society where [00:23:00] we, we see how things work and we play by the rules and we, you know, are, are just like you're saying, I mean, brainwashed really, but not through our own fault, but because this is the, the design of the illusion.

And we're participating in it. Now, what I've noticed is that a lot of these people like you who have done things like this and they're speaking out, they are no longer living in the us And so tell me about that and, and, and, and how this applies to people who still, if, if there's even a difference. I don't even know if it's a coincidence or what, but I'd love to know more.

Tommy Kilpatrick: Oh, well, and the, the purpose of really coming to the Philippines is to say it in the language here is awa. I came here looking for a wife, so I, I found a fiance, so she finds me attractive, which is a nice [00:24:00] difference in America. It's just, it's not the way for a man of my age, I would not find anybody this beautiful and this young and exciting, and we're on an adventure.

It wasn't to leave the country. It was partly, um, the, uh, but I, I just couldn't finance what I wanted to do there. I, I have a big, uh, plan to take over a restaurant and offer free food. I get the food for free, offer the food for free, and then have a private membership association so that people pay for a reservation.

So for a $10. Reservation, they're gonna get a five course meal. And I'm talking real high quality. And how can you do that with a restaurant? I know it's, it. I tried for two years. I made presentations to, uh, city councils. I went to, um, nursing homes. I went to, um, I'm trying to think of senior center. I went to pantries.

I went to churches. They all had a kitchen. That was what I was looking for, was a commercial kitchen. [00:25:00] And they all turned me down. They said, it's not gonna work, but I'm gonna do the work. I, we don't have the money. I'll finance it. So it just to be too difficult. So I came here to the Philippines, not only to do it here, it's a lot less expensive.

There's a lot less risk for me to do that. So what I'm gonna be doing is going to the vendors of food, like at the market, the big, huge wet market we call it here. And I'll go to one and it's selling bananas. And I'll say, I bought some bananas from you yesterday. Here's some banana bread. In a nice box that says art, you eat gallery.

So it's a, it's an art gallery. Yeah. That's my angle. So they're gonna, I'm gonna give them food that they can then sell that. And by making a thousand pesos a day, which is, you know, not much is, uh. It's about, probably about $10 or something like that. Yeah. But, but $20. So if they could make that much more money, uh, in one month, it's two people's income and it'd be [00:26:00] totally free.

So a package product is a lot more valuable than bananas. So I make the banana bread and then they put it on their shelf and they sell that and they make an extra thousand pesos. That's 30,000 pesos a month. That's, as I was saying, that's two people's income and it would be totally free. Then they say, what can I do for you?

Ah, that's all I'm looking for. Here's three buckets. I'm looking for one bucket from your seeds. I want the papaya seeds. I want the different kind of seeds, the melon seeds, all these things, because I'm gonna sprout them for food. I want the scraps. All the trimmings you do, that's just gonna throw away.

Throw my way so I can feed my pigs. Feed the chickens. Feed the ducks. Feed every, all the animals on the farm, and if it's so bad, it feeds the fertilizer. It for feeds the earth. And then here's another bucket for things that are edible, but you're just not gonna sell it today. There's a blemish on it, or it is just gonna go bad of the day.

Give that to me and I'll bring back food to you. So I want to be unequal. I want them to get a lot more value than they're [00:27:00] giving me. So it's kinda like they give me trash. It could be a treasure to me. So I want the trimmings. I want the food that's gonna rot because I've worked as a chef, I've seen the amount of waste.

So I bring that back and I have more and more and more food. So I have my chefs who are chefs to be learning. They are learning, they're artists that are gonna use the food as their expression of their art. So here in the Philippines, it costs about $7,000 a year to be a chef. And you go to school at another island and it's only four hours a day for a year.

In my process, I give them room and board and an allowance, and I went to cook all day and bake all night. So. Oh, so I need to bring food in. So we have our farm. We, that's where I, I had marrying into, uh, people that have farms and things like that. So they're gonna be bringing all the food in and we're getting that back.

So it is a barter system, but they get more than we do. So how do we make money and all that kind of stuff is through our, not only a restaurant. 'cause then you think of a restaurant, [00:28:00] it's an art gallery that people come and they see artwork. So I just happened to see something in Vietnam. They have noodles and they hold the noodles up.

They pour hot oil, hot oil over the noodles and it freezes in the air and you leave the stick there, and so that's what I'm talking about. Art. There's another one that showed ice cream and they're squirting in different things inside the ice cream. It's another perfect idea. So I want to have this to be an art piece that people pay a reservation and they come in and enjoy this food if they want to.

It's an art gallery that they actually to eat. So, so it's, I, I've got some big adventures to bring back to America, and so once I prove it here in the, in the Philippines, I can bring it. Oh my gosh, that sounds incredible. I mean, it's, it is a whole other model and I, I have hope that this is the future, you know, that we will turn the our, of what we think of as an economy [00:29:00] on its head and be living in a different type of model.

Kara Goodwin: And the, the way that we do that, it takes that, I mean, what an imagination. To be able to say, there are so many other ways that we can do this besides how we are doing it. So I applaud you. I'm blown away. That's amazing. Um, so your plan is to return? Oh, absolutely. And so I didn't run away, so Okay. That's, that's really interesting.

And. When, so, okay, let's talk about the, the person that you're gonna help get out of credit card debt, who is here still in the US Right. And even your own experience, like you did this and then you kept on living here, but you went off the grid. So I assume that this host that you were talking about, they're not planning to move off the grid, they're gonna carry forward, they're still gonna.

A credit card in the future, or banking or you know, what, what are, what are the knock on effects [00:30:00] or how do you use this in an ongoing way? Or is it just if you find yourself in peril and you're in debt? I can help you at any place along the way you are, even if you have a post-judgment and you're now making payments to the bank.

Tommy Kilpatrick: There is a way out of this situation. So what we kind of do is think about years ago, uh, we. Had a, I had a general store and you walked in and said, Hey Charlie, I need five pounds of flour and a pound of sugar. And they went, oh yeah Kara, I write that all down. Your crops are coming in a couple of weeks, you'll pay 'em back.

Right? So you don't go to Charlie and say, Hey Charlie, can I borrow $10,000? What am I a bank? You, you go see the bank for that. So banks are about loans and merchants and people who provide a service offer credit. Credit means believe. So they believe that you're gonna pay them back and they have an invoice, and that's the critical thing.

So the bank never [00:31:00] sold you tires. They never came out to your house and did a plumbing job. These people are not merchants, they are bankers. So that's where we have to clarify that. So once we move on, it's impossible for a bank to have issued a credit card. Okay, now you're gonna say they did a loan. Ah, there we go.

Now we have the other argument. So what happens if we have no money? And you go into a bank, you hope to come out with money, and you do that through a loan. So let me ask you a question, Cara. If you apply for a loan and a bank turns you down, do you still get the loan? No. No, that's silly. They turn you down.

That's the thing you gotta remember. Application means a request. You're asking now if they approve you, then what do you do? You go into the bank and you fill out loan documents. You remember that, don't you? Page after page, all kinds of dis disclosure and all kinds of stuff you had to sign. So you had to show an [00:32:00] income.

You had to prove you had an income. 'cause if you said you had no income, they wouldn't take your application. Would they denied? Will you come in and say, where's the evidence? So think about this. The bank is brought into court and the judge are gonna say, you are loaning money to people who don't even have an income that's predatory.

So the bank has to have you provide proof that you actually can pay this loan back. You also have to have collateral. So you put up your house, you put up your car, and if you go for that personal loan, you put up your yacht, the one you don't have, but the one that person has. So they put up something so the bank can legally take it away from you, sell it.

And if they're short, well that's their problem, right? If they come up long, they don't get to keep the money. So if you owe a hundred thousand and they take your yacht, it's worth a million. They don't keep an 900,000. They gotta pay you back the difference. But that's the legal way they can take [00:33:00] it away from you.

'cause someone's taking your car. You call him up, send him steal my car. Oh, is that a repossession? Yeah, that's not our problem, lady. We'll come out to protect the repo from you trying to attack. We've seen that on, on the tv. They attack the repo guy. I got a repo order here. Why pay them? I don't care. The order says I'm taking a car and they can legally take the car away from me.

You also have a have a credit report to show something and a credit score determines your interest rate. The last thing you sign is a promissory note. You have to promise to pay it back. This never happened with a bank issued alleged credit card. So that's where we're starting at, is that it was never a loan.

So how you resolve this is that you write a letter to the bank, to this closure free checking account. You're going what? Free checking account. You talk better about that. I don't understand what you're talking about. Okay. Banks [00:34:00] advertise, right? They spend money to get you to be a customer. We see their ads on TV and everywhere else.

So years ago they used to purchase. Toasters and wall clocks and have them in the bank, and your mom went in, they'd say, oh, if you would open an account today, you get a free toaster. And so your mom came home, your dad said, how'd you get the toaster? These are very expensive. Oh, I just opened an account, but it caught you thing.

Really? Oh, that's great. So we're all so happy. So one time, the newspaper ad that I saw and I said, come into our bank and deposit $25. And keep it there for 90 days and we'll match it. Oh, what did I do? I took my $25, went into the bank, and I waited 91 days. I went into the bank and I withdrew my 25 and the bank's 25, they happily gave it to me.

I closed the account and I walked out. I got a question for you. Did I rip off? Did I steal from the bank? No. My [00:35:00] 25. They're 25. You could say, no, Tom, you stole it. No, they gave it to me. Well, why did they give it to you? Because that was the deal. Now let me ask you a question. Was that immoral? What I did? I would say no.

No, they set the deal up on your show notes. The fourth bank is a guy on YouTube that says, do that, and I've made $361. He's very proud of what he's done. He says that just find the banks that match it, do what they thought, and then close the account and go to the next bank and just keep doing it. I've made $361.

It's the same thing with a Capital One $500 credit card. That's why I said in the beginning, it's a gift card. The bank is trying to get you to be a customer and from their advertising budget, they've got $500 they're gonna give you. And that's called a gift card. They gave it to you that sometimes they came in the mail, you didn't even apply for it.

You're pre-approved. Ah, but using a card. We'll get into that [00:36:00] too. So, Kara, what would you like to purchase? If I sent you a $500 gift card, one item you'd like to buy right now that could help you out, could be anything. Tell me what it could be. Oh, there are these really cool lights that you can, um, that, uh, they create all these geometries.

Kara Goodwin: Oh, it's just perfect. Have you heard about these? Uh, it sounds great. So you go to a store to buy this and with your gift card, okay? And so you're walking out and they say, wait a second lady, did you pay for that? And you show 'em a receipt. Now are you going to get a statement from that store at the end of the month?

No. Are you gonna get a demand for an outstanding unpaid invoice? No. It's paid. You didn't pay for those lights? Someone did. So who paid the store that night or the next day? The bank. The bank. So where'd the bank get the money from? They're advertising budget. Okay, so what's this whole story about? Look it up yourself.

Tommy Kilpatrick: [00:37:00] I this two months ago, what does the average person pay for their credit card fees? And it's $23 and 4 cents. So if Bank of America has a million card holders, they're bringing in $23 million a month. And in my calculations, I figure that's one fourth of their profit. So one fourth of their profit is based on getting you.

To give them $23 and 4 cents for a free checking account because that's what they're doing. And the one podcaster told me that he pays $800 a year in annual fee. I sought a free checking account. How does this all happen? So you, you're a good person, you're a moral person. The, uh, the statement comes from the, uh, bank of America and you think it's a bill.

They make it look like a bill. So you better pay it. You've been told, everybody knows it's a bill. So you write your $500 checkout from, let's say, the, the Bank of Indiana, [00:38:00] and you send that $500 to the Bank of America. Now, isn't that the first time Bank of America has ever seen your money? Yes. Think about it.

Yeah. Yeah. Unsolicited. A card comes a Bank of America credit card, you think. And it's actually, I call it a gift card. So use the right terminology and you buy something and you get their statement. You think it's a bill and you send $500 to the bank thinking you owe the money. That's the fraud. So that is all about loans, banks, and that's the first link.

Banks do not take deposits when you take money into a bank and leave it there. That is a loan. So you have loaned money and where they put that is in a free checking account. It's not a checking account you have paid for, but that's how you get access. It's through your debit card, so in the mail, it arrives to you as a gift card if you use it and if you send money to [00:39:00] that bank.

Now it becomes a debit card. So every purchase you've made since then has been with your own money. You are fronting your checking account every month from your purchases, but. You don't have to fill your checking account up every month, but not this one. If you don't fill it back up, you get charged interest, late fees, overdraft fees.

You get the cash advance fee. Cash advance. It's your own money. They're charging you to give you your own money back. So that's how the whole scheme works is what they're doing. So. How you get out of this, you don't get outta debt. How do you get outta being a victim is, first of all, you have to have some evidence, right?

If you're a victim, where's the evidence, your credit report. So I ask you to get your credit report. I don't need to see in the details, just need the, the bank and just the, the reporting information. I don't need to the account number or anything from that. [00:40:00] We would then have you fail out five different state and federal complaints.

This is going to the police, the police, police, the banks. They're not gonna call the local sheriff that or your police department and do this. That's not it. It's four, uh, it's four or five state or federal agency that we send complaints to. Okay. Now you are identifying yourself as a victim. Right. If you have the evidence, you've got the complaint.

We keep a copy of that 'cause we're gonna send that to the bank, okay? Because we want them to close your free checking account. But here's the thing, you better withdraw your money first before you send the letter. So you might call max out your card. That's the criminal language. You are not maxing out the card.

You are withdrawing your money out of the bank. 'cause when you close your account, Kara, they say, oh, so sorry to see you. Leave our bank. Here's your $3 and 15 cents. You still have no, the banks confiscate your money. And when you hear [00:41:00] about them lowering your credit limit down from 500 to two 50, the bank stole $250 out of your account and you're going, oh, they lowered my credits.

They credit my, my credit limit down. No, the bank took $250 of your money. Oh, they closed my account. Oh. So sad. I don't, can't use the card anymore. They just stole all of your money. So these people are criminals. Okay? So what we do is we send the bank a letter with an attorney, with a, uh, with a letter from your CPA that says, first of all, if you have an invoice, send it.

We agree to pay, right? They have no invoice, they can't, two, you've violated federal banking regulations 'cause you didn't ask for promissory note, so there was no loan. The attorney sends a letter saying fraud under undo all contracts. So we do not have a contractual agreement with you. And oh, and by the way, if you want to come after us with a lawsuit, we're ready with a counter complaint.

And this is what we would do. Here's the discovery, here's the interrogatories, here's the admissions. And we've [00:42:00] also called for a deposition, which they don't wanna happen. And on top of this, we're gonna file a injunction. So injunction, people didn't know about this before Trump, but now everybody knows Trump does one thing.

What do they do? Run into court, do an injunction, and he stops. Same thing. What we do is we ask the judge. To have the bank send them a certified copy of the outstanding unpaid invoice, a certified copy of the promissory note and an affidavit of debt. Someone in the bank has a SOAR on a Bible under penalty of perjury, which means jail time or a fine that they actually have the debt instrument.

They have the proof of a of a loan and that you owe the money. So if they don't do that in 30 days, they're held in contempt of court and nothing happens. So they, you send that to the registered agent, and that's the people who always receive the lawsuits. So it goes right to the bank's attorney and.[00:43:00] 

They're gonna look at this going, this is gonna cost 40, 50,000 bucks. This is a start, but I know that's what I was doing to them. When I sued them, I tapped that attorney on for an hour. We were talking about sports, we're talking about where he lived. We talked about where he grew up. We've been talking about the law school.

We're talking everything I could think of, and he's going, Hey, it's been two hours now. I know you're billing the bank, so let's keep going. I goes, okay, he didn't care. You can just write it off as talking to me. So I surely I ran up the debt on all three banks that, so when someone takes a bite outta me, it is gonna cost about a hundred thousand dollars of attorney fees.

So, so that's what we do all we're asking to do, the bank is to remove the derogatory item. Close the account by the, the, uh, the cardholder. So we are asking for the bank to close that account and that'll leave it as a good account. Now, if they don't do that, that's okay. We send all this to the credit reporting agency.

Showing that we filed a complaint or claim's fraud, they have to, by [00:44:00] law, remove it off the credit report. Now we can't ask them to clean it up. All we're asking to do is remove it. So once it's removed where score goes up and you apply for a credit card the next day, wow, no, they're gonna ban no. Remember the bank, once you as a customer, they're gonna make $23 and 4 cents on average.

So what do you do? You don't get a credit card with an annual fee. You get a credit card ever once, but you only, you know the scam. You know the risk you're taking, but you have to have it to raise your credit score or to have a purchase or like a rental card so you know what the score is. You know what the story is, so you only buy things that you're gonna put back in your checking account every month.

So you say that, say that part again. You only buy things that you're gonna put back in your checking account. Right. So if you're gonna be using this credit card, and you should use 10% every month to raise your score. So I started off with no score. Once I got the credit card, my [00:45:00] score went to 5 25. I had a little in installment loan from a credit union, and I pay every month, and that boosts me to 6 25.

So I have been using 10% of my credit card. I know, and I know, call it a credit card, everybody else. So I use 10% and I pay it off. Never be late. And I always pay early, and so they never are gonna get ever a penny from me. I'm one of the 12% of the people they're never gonna make money on. So in that way, I know it's my money.

Whatever I purchase, I'm gonna send it back to the bank right away. But I do it only for 10% at reach, reach my score, and it's the risk I take. They could at any time lower my credit limit down. So they say, and they stole two 50, it's, it, it's the risk. I, they could close my account for any reason and all my money's gone.

So. It, it, it's, it's, I'm trying to get back up to 800, so now it's 7, 7 0 6. So I'm trying to get to 800 to show to you that yes, you can do this with no score, and, but you can do it right away, as [00:46:00] long as I'm gonna teach you how to deal with this. And so are you getting new credit card, like you're going through this process every time, or you're to the point now where you're, you've got one credit card, it doesn't have an annual fee, or it doesn't have any sort of fee.

Kara Goodwin: You're paying it off every time and you're not like going through this cycle of starting to get new gift card credit cards, you know, however we wanna say it. Which one are you now? Well, I, I just did the one card because I needed that. But the plan is, is, is there is gifts so I can help people. I had another podcaster tell I found $20,000 he didn't know he even had.

Tommy Kilpatrick: So I, so more of the story is that after this thing in the court, back in 2004, a friend of mine had a charity that was uh, uh, inactive. And so she gave it to me. I revamped it into credit repair. And so a lot of people that had credit repair also had credit card debt. [00:47:00] So I would write a letter to the bank.

And the podcast this morning, I interviewed me. He said, how successful were you? Oh, it was about a thousand people in seven years. He says, how could that be? We're only asking the bank to close the free check and account. Why do you think they're gonna resist? They're not gonna sue. He goes, once it's off the credit report, there's no debt.

They, they have no evidence of a debt, so they can't sue you. So that's why it's so successful and no one knows about it. 'cause I don't know, wow, I'm out just pushing this so I can sell a book and so I can get some money to do what I wanna do here in the Philippines and bring it back to the States. So that's kinda like the motivation of me to write the book is to.

This, uh, this fraud that's been going on for too long. Right. Wow. This has just been amazing. One, one more thing that I want to talk about before we close is something that you mentioned in the beginning, which I think is important. It's the language. You talked [00:48:00] about the, um, you know, the alleged and that that's a big part of what you teach is, is the language.

Kara Goodwin: And I think that there's a bigger, because this type of thing, like I mentioned earlier, it's happening. There are a lot of pioneers in this space. Not I, you're the first one I've heard of with this specific approach. There are other people doing it in terms of, um, you know, tickets that you get and. Bill, even utility bills, um, taxes there, you know, there are a lot of people who are trying to expose, uh, this, you know, how we're being taken for a ride and how what you can do about it.

One thing that is very clear is that language is so important even down to, you know, if, if somebody were to come to your door and try to, and I don't know how this applies in, in your specific case, but let's just imagine somebody, an [00:49:00] authority, somebody that we see as an authority. Um, comes to your door, knocks on your door and asks, are you Thomas Kpa?

Kilpatrick? And the importance of answering that in the right way. And legally, if you just say, yes, I'm Thomas Kilpatrick, you handed yourself over, you have, because that's step one. But if you're, if you acknowledge that. You are, you are a, I don't remember exactly how they talk about it, but the way that I internalized it, I am a spirit inside a body that is sovereign and I, oh yeah.

Kara Goodwin 3: You know, I don't, that is whether I can't, again, I can't remember now. I'm not doing it justice, but it's the, the, but it's the embodiment and it's the language behind it. But you, there's more to it than just knowing. The, the checks like, okay, here's the to-do list in order to follow [00:50:00] this protocol. It's like, you really have to be ready.

Kara Goodwin: To step into yourself as a sovereign being. And I don't know if there's, because this really all goes together, everything that you've talked about and so much that we're not even getting to, but it all goes together. This, this, like really stepping into the fullness of who you are and outside of the illusion that we have constructed and that we're all agreeing to, but we're not benefiting from.

And we're, we're, that's. The gentlest way to say it is we're not benefiting from this structure. Well, you have to know where you're at. I, I wear a pair of glasses and my first pair of glasses is, I'm a theist. I believe there's an involved God. My second pair of glasses I wear is that we, I believe we were enslaved 10 to 10 to 10 to 12,000 years ago.

Tommy Kilpatrick: And we're still enslaved and by either being a wage slave or a debt [00:51:00] slave. And so I have been around the sovereignty movement since I was about 16, and I thought it was great. You don't have to pay taxes. It's voluntary. Yeah. But then I'd wait and see. They go to the jail, oh, they didn't do it right. We have a better way.

And I'd read their books and I'd see them go off to jail. And I went. So I really, and I've met people who do not have a driver's license, several, and they get pulled over and. Do I really wanna go through that? So then, um, when police ask you who you are and your id, do you have to answer their questions?

Only if you're arrested, do you have to give your name and birth via birth? Uh, date of birth. But you know, they, they can actually make you, they get out of a car. I thought about this. I, I looked it up. But yes, the Supreme Court ruled that a police officer can ask you to get outta the car, and that's the, oh, you stumbled.

Oh, now you're drunk. And now they. See, so I, I really don't wanna participate in the police state situation at all. So here's something for you. [00:52:00] Look up 28 USC United States Code 3 0 0 2 28 USC 3 0 0 2. It'll be a definition. And the definition of the United States is a federal corporation.

So it's not United States of America. Uh, see, they're playing the language United States. So if you say you're a United States citizen, you now come underneath the apices of the Washington DC. And this all came about because when we formed a country, this nation, we were white people and from a particular area of white people, from certain part of Europe, okay?

What happened after the Civil War is you have all these unshackled black men, and now what do you do with them? They're not white. They [00:53:00] can't be a citizen of the state of a sovereign state. So they have the District of Columbia, which is not a state, it's in the middle. So they came up with a 14th amendment to have them be citizens of that area so they could give them some rights.

So if you say you're a United States citizen, you are now underneath the authority of a corporation and all the things you've said, all the things you've seen, all the haal, it doesn't matter 'cause we are not under a constitution. United States is a federal corporation. Corporations work underneath bylaws.

So you think. You are in the United States of America? No. You are. Once you say you're sitting, and that's the only choices you've had on my passport. Oh, I, I applied for the passport. I had eight pages. It went into everything. I was a sovereign country. I had my thing of, uh, I can't remember. I'm, I'm the president of, uh, synergy, something like that.

I made it all up. I [00:54:00] went on and on and they sent me a passport. And it's not a diplomatic passport. It's not the stars, it's. So, yeah. Wow. So I, I've gone the route, so I, I'm at peace where I'm at, and so I understand where I'm at. And, um, we've also come underneath fascism. There's a book called Friendly Fascism.

I read it, it was written in 1980, but I read it a few years ago and the author said, it'll never happen here. And what fascism is, is just when a business and government. Do this, and that's what we're seeing. It's just the natural evolution of capitalism. In the beginning you had merchants and they were in control of the capital, so they were the capitalists with the merchants.

Then the industrialists came along and now they had the industry. They controlled it. Then the banks came along, and now it's financial, but it's just so logical during the war, world War I, and then after that, and World War ii, definitely after that, that the banks and the government came one [00:55:00] and one. So what we have is friendly fascism, but.

It's still fascism. So how do you live a sovereign life? Well, I come to the Philippines with a lot more freedom. Yes and no. I'm a foreigner, so I gotta keep my mouth shut about everything, but at least I can be in peace. I can be on an island where they're not gonna bother me 'cause I speak the language.

Kara Goodwin 3: Hmm. So I learned the language in 30 days. That's another book I'm writing right now is how to speak Kelly Gyno in 30 days. So, um, yeah. And. In the past when I was really taking it to the banks, I had two, um, private detectives come to my house, impersonating, uh, police officers. They had the badge and they had the card and stuff like that.

Tommy Kilpatrick: And so they tried to come in and look at my computer and I was, I gave 'em a little bit of leeway to see what they were up to, and they were trying to search my hard drive for all of my clients and stuff. So I chased them out and then called the police actually on them, which was pretty entertaining. But yeah, I, I've had, um, people showing up, so [00:56:00] I have no worries here.

Kara Goodwin: I bet. Wow. Well, bless you and the work that you're doing, Tommy, I, I really applaud everything that you're doing to try to help people become more sovereign. I hope that what we're hearing today is, is the. I know it's not the beginning, but for a lot of people it will be opening doors for at least reconfiguring our understanding of what reality is, what that means for us from a sovereignty perspective, and what possibilities there are for people who are in debt.

So thank you so much. It's really been a joy and a pleasure. Please tell people how they can connect with you. 

Tommy Kilpatrick: Oh sure. Uh, Tommy a Kirkpatrick on Facebook. This is easy way to reach me in a show note. She'll have my email and if you, uh, come contact me, I'll give you a free 15 minute conversa conversation, consultation, and I'll give you my book for free.

So my second nine daughter book for free, just come and talk to me and we'll figure out what your situation is and [00:57:00] give you some ideas and some possibilities. 

Kara Goodwin: Wow. Thank you so much. 

Tommy Kilpatrick: You're 

Kara Goodwin: welcome. 

Be. 

Thank you so much for joining me for this episode of Soul Elevation. If someone in your life would be inspired or uplifted by what you heard today, please take a moment to share it with them. These are the kinds of conversations that ripple out and elevate collective consciousness. And if you haven't yet, be sure to subscribe so you don't miss the powerful episodes ahead.

Your presence, your energy, and your support truly help amplify this mission of raising frequency and anchoring in a more awakened humanity. Thank you for your support, and I'll see you for the next episode of Soul Elevation. 

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