Oh yeah, tax day in the U.S. When was that? A couple of days ago? I meant to file this year, but then I remembered...I DON'T HAVE TO!

...I also told her, "If it makes you feel any better, you're not alone - the credit card banks think I owe them $40,000. I know that I don't really owe them, I just don't know how to prove it." Lo and behold, she said, "You just send the letters." I leapt from my chair - my prayer had indeed been answered - ask and ye shall receive. She then produced a series of letters, the drift of which was to request the bank to provide me with three things:
1. validation of the debt (the actual accounting);
2. verification of their claim against me (a sworn affidavit or even just a signed invoice); and,
3. a copy of the contract binding both parties.
I was to write, as soon as I received these three documents, that I would be happy to pay any financial obligation I might lawfully owe.The banks can't validate the debt because they never sustained a loss; they can't verify any claim against me because I am not the NAME they are billing - more on this later. They can't produce a copy of the contract because one doesn't exist. What exists is an unenforceable unilateral contract. What the banks refer to as 'your contract with us' is not a valid bilateral agreement since the four requirements of a lawful, binding contract were not met on the credit card 'application', namely:
1. Full Disclosure (we are not told that we are creating the credit with our signature);
2. Equal Consideration (they bring nothing to the table, hence they have nothing to lose);
3. Lawful Terms and Conditions (they are based upon fraud); and
4. Signatures of the Parties (corporations can't sign because they have no right to contract as they are legal fictions). Credit cards are win/ win for the banks and lose/ lose for everyone else - it is the slickest con game on the planet....

Interesting book.

http://216.109.125.130/search/cache?ei=UTF-8&fr=sfp&p=How+I+Clobbered+Every+Cash+Confiscatory+Agency&u=www.freedomfiles.org/mary