What is the objective of your site and services?

We educate and empower people to govern their own lives and defend their own liberties, rather than spread more ignorance. Thus, we share the truth to help you realize and attain freedom.

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How can MyDebtRelease.com help me?

Our goal is to educate and arm the American consumer with the information necessary to protect their family and assets against unlawful actions.

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Is this ethical?

At the most basic level, the reason why our process is ethical is because you, as the debtor, have supplied your own credit. The institution that loans you money does so based on your ability to generate income and/or “secures”...

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What options are available when it comes to debt reduction or debt elimination?

There are many options available to you. There may be other debt solutions in the marketplace; we list 6 main options when it comes to debt solutions in detail in the Services section. The highlights of those options are: 1.   ...

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Why won’t you answer my question?

We update the content of this FAQ section often to include questions that are constantly being asked. We kindly request that you do your mandatory due diligence in order to answer your own questions before contacting us for answers. Many...

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How does this work?

You will use the legal forms to make claims against your lenders. When the lender cannot properly respond under commercial law (they never do), an administrative judgment is issued by a third party notary witness and is admissible in court.

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Does this work in my state?

Yes. These are federal laws that are upheld in all 50 states and the U.S. Territories.

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How is this Legal?

This process follows commercial law, which is uniform worldwide and governs commercial transactions and contracts. Our documents help you ask questions and make claims against the bank under notary witness. A notary is a magistrate of the court and an...

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What is the administrative procedure?

The administrative procedure is in accordance with The Administrative Procedures Act and evidences the bank’s default. When you complete the administrative processes using our forms, you will be awarded with a judgment and claim/lien against the bank which is recorded...

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Why do you use an “Administrative Record” for “Private Administrative Remedy”?

We are asking the court to sit in an administrative capacity, rather than judicial. We can\'t invoke a judicial court unless we have failed at the administrative level to remedy the situation and there is a genuine matter in dispute....

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What specifically happens in your Administrative Process?

The Administrative Procedures Act is the application of our common law private remedies to any dispute that arises between parties. Here’s a brief outline: Private Claims and Notices of Dispute, and Verification Requests for validation of the Debt - (20)...

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What are the advantages and disadvantages of using a notary public in a commercial dispute?

A.  The reason to use the notary protest method is to gather credible, admissible evidence of dishonor for use in quickly resolving a dispute if or when litigated in court and usually where litigation is likely. The notary protest method...

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What happens when the alleged lender does not respond to the Debt Validation?

When we asked for information regarding the transaction, they refused to provide it. We asked for Validation of the Debt; they refused to provide it. We asked the creditor to please convince us/you that the creditor had not involved you...

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Are your debt elimination programs primarily from credit cards?

The negotiation strategy described above works well for a variety of debts, but the hands-down winner is credit card debt.

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Will this strategy work for me?

If you are in a condition of financial hardship, committed to strategies that we can point you to and have some financial resources to work with, then you should definitely give serious consideration to the Debt Elimination strategy. Again, I’ll...

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Why do most Debt Relief programs fail?

Debt relief programs in the USA of almost all varieties suffer from two fatal flaws… When you enter a debt relief program, you do it for the best of reasons – because you want to make an honest effort to...

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Do I have a right to validate/eliminate my debt(s)?

Definitely! This is America. You have the legal right to haggle with your creditors. It’s the third-party Debt Elimination companies that have been causing problems for the banks, not consumers negotiating on their own behalf. In fact, the banks greatly...

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What are the tax consequences?

Banks are required to report canceled debts exceeding $600 to the IRS and you are supposed to report the same as income on your annual tax return. However, the IRS permits you to write off any “income” from canceled debts...

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Can my wages be garnished?

A common tactic used by aggressive debt collectors is the threat of wage garnishment. If you’re already struggling financially, nothing is scarier than the prospect of having money taken out of your paycheck without permission. Collectors try to make it...

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Can the lender sue me?

Lawsuits happen less frequently in debt matters than most people think. Some debtors fall behind, don’t make any payments for years, and never hear from a single attorney. Of course, creditors certainly have the right to sue you to recover...

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Will I still be able to use my credit cards?

No. Since the banks will most likely cancel your access, they will of course discontinue your credit privileges. However, many clients keep current on one card with a small credit line for emergency purposes.  

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How does this process work?

We have the Freedom Membership that walks you step by step on how it is done.  

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What if I am in collections?

This administrative remedy procedure will bring to light bank fraud and non-responses from the bank. If they don't answer (which they won't), then they are in agreement with all claims of fraud. This can be presented as evidence in your...

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What is my recourse for unauthorized collection actions?

26 USC § 7433 - Civil damages for certain unauthorized collection actions (a) In general If, in connection with any collection of Federal tax with respect to a taxpayer, any officer or employee of the Internal Revenue Service recklessly or...

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What is the law/statutes regarding phone calls by debt collectors after you demanded that they cease?

§ 805.  Communication in connection with debt collection   [15 USC 1692c] (c) CEASING COMMUNICATION.  If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to...

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Common FDCPA Violations

Here are some common FDCPA violations perpetrated by debt collectors: Contacting a debtor who is represented by an attorney. Failing to warn a debtor that the communication is from a debt collector and that any information obtained will be used...

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What To Do When A Collector Calls

When a debt collector contacts you, at some point in the conversation they must advise you that the call is from a debt collector in an attempt to collect a debt. At this point, you should not engage in open...

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What Are Zombie Debt Collectors?

The word zombie debt collector may conjure up images of a 70’s horror film often seen late night on AMC. However, there is such a thing as a zombie debt collector. A zombie debt collector is referred to a debt...

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What Is A Scavenger Debt Collector?

A scavenger debt collector is a company that has purchased your alleged debt (usually pennies on the dollar) from another company that was not successful in the collection of the debt. Because the debt was un-collectible or the time for...

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What Can I Do If I’m Being Harassed?

If you're being illegally harassed by a debt collector, you can get paid $1000.00 for statuary damages, and possibly more for actual damages. However, you will need to help the attorney prove your case by gathering evidence of the collection...

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Can A Debt Collector Call You At Work?

If you’ve fallen behind on credit card or medical bill payments, you’re likely dealing with calls from debt collectors. Some of these collectors can be annoying and downright ruthless. They will call your home, call your cell phone, call neighbors...

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What Is Debt Negotiation?

Debt negotiation is between two parties, the creditor or collection agency and the person who owes the debt. A negotiation takes place between these parties to determine a settlement amount that would consider the debt settled or paid in full....

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What if a state law is up against a Federal law and the ability of Federal law to override State law?

§ 816.  Relation to State laws  [15 USC 1692n] This title does not annul, alter, or affect, or exempt any person subject to the provisions of this title from complying with the laws of any State with respect to debt...

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I have a lien levy judgment, and I do not believe it was done legally, or I’d like to challenge this. How can I do so?

Remember if you have no valid lien you cannot have a valid/lawful levy. Thus, understand 5 facts when it comes to a lien/levy/judgment: 1. The lien instrument must evidently/patently/obviously be a LIEN preferably by being formally and clearly titled LIEN,...

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Do you really owe debt that is in collections?

When someone doesn’t pay their credit card it is written off as a bad debt. Banks don’t want to hold bad debt on their books, so they write it off and it is placed as a charge off on your...

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How do I get rid of Debt Collectors?

Dissolving Debt and Getting Rid of Debt Collectors! When you receive the very first notice from a collection agency, be sure to send your request for Debt Validation before the 30 day period!! If you can get the Debt Validation...

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How do I become judgment proof to protect my assets?

There are strategies where you can form what is called a Friendly LLC (opened and owned by you) in which this LLC becomes your friendly creditor. The friendly creditor will can then put a lien on all of your personal...

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What happens to my credit?

Lenders who damage you by making false claims to the credit reporting agencies are committing fraud and will be liable for damages. Reporting information that the lending institution knows to be inaccurate or failing to report information correctly violates the...

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What if I am current on my payments?

Lending fraud starts from inception; why throw good money after bad? You can set up an escrow to evidence your good faith while you are validating the debt. Essentially, you are not “stopping” your payments, your payments will go into...

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Will the processes I undertake affect my credit?

Lenders who damage you by making false claims to the credit reporting agencies are committing fraud and will be liable for damages. Reporting information that the lending institution knows to be inaccurate or failing to report information correctly violates the...

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What is your success rate?

We have not seen one bank dispute any of the claims made in the administrative procedure. If the process is finished by you then an administrative judgment will be rendered.

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Can I get references to talk to your past or current customers?

All client information is confidential. There have been clients generous enough to give us testimonials which we post on our website.  Read our testimonials

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What should I do if the credit card company, debt collector or any of their attorneys call me?

Do not speak to them. Always keep in mind, if they call you, state: “You have been advised by the law that this call will be recorded for training purposes” and that you request that “all correspondence will have to...

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How long does it take?

The whole procedure takes about 45-120 days, depending on your current situation, but judgment can be rendered in as little as 30 days.

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What are the steps to the process?

You start with discovery and make claims against the bank. If the bank cannot respond with answers and proof of their claim of a debt, then the bank is given a short period of commercial grace to cure it’s fault...

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How much time does this take?

That will depend on you and how fast you can read, understand and learn the process and the instructions available to you. Everyone is different and may have different comfort levels in getting familiar with and educated about strategies, law...

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What happens when the process is done?

Depending on your situation, the debt will be wiped out. And then you clean up your credit report to legally remove any derogatory reporting.

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Do I need an attorney or an advanced law degree to do this?

No, this is something that you as an informed consumer can do.

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Are you attorneys?

No, MyDebtRelease.com only provides legal information, which is not legal advice. Legal information informs you of the law and your rights but does not advise you on what course of action to take for your situation. Legal advice is what...

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Do I need to go to Court?

No, this is something that can be done with a few simple letters. One of the goals of this website is to PREVENT the need to litigate by filing your administrative record with such damning evidence, that no lender in...

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Is there risk involved?

There’s risk in everything. We ask our clients to educate themselves first before taking any actions. At the end of the day, no one cares about your life more than you do. So it’s up to you to get educated....

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Can you guarantee me success using your Freedom Membership?

Success is subjective to the individual. Making promises about the effectiveness of our materials will neither be fair to you nor every visitor to our site. We don\’t have statistics to offer you, and even if we did, some malicious...

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Will I need to hire my own attorney to do this?

If you have a serious legal problems, we suggest that you consult an attorney. The products offered by MyDebtRelease.com are not a substitute for the advice of an attorney.  

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What do I need to do to make this work?

Follow the procedure and commit to the education process so that you know why and how this can work. A correct mindset can only come through understanding and education. We give you the educational tools for this most important part...

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Do you offer support or services or help with a specific problem rather than just education thru your Freedom Membership?

Yes, that is available to our clients who sign the Professional Services Agreement (outside of the Freedom Membership). Please contact our office for a specific quote on your situation to see if you qualify. As a client with Professional Services,...

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Do you offer support for questions I have as I study and use the Freedom Membership?

No. This would require us to significantly expand our staff and would detract from our main mission of doing research to develop useful and timely educational materials that are helpful and relevant for our many members. If you would like...

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Is this going to cost me a lot of money?

Please refer to the register section of “Services” on our website for pricing. What you think is affordable or too costly is up to you. It is probably costing you ten times as much (or more) by not having the...

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Do you have any statistics on the “performance” or “effectiveness” of your response letters? I’d like to know more about what I’m getting.

Unfortunately, we are not presently equipped with the technology, resources or staff to keep detailed statistics, but would like to be eventually, so we have a method to continually improve our offerings. “Success” is a very subjective and ambiguous term...

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Can I cancel at any time?

Yes, the Freedom Membership is month-to-month, and you can use our services for as short or as long as you wish.

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Can I get a refund?

Our Memberships are considered a service, and as such, no refunds can be issued. You are free to cancel your recurring payment plan at any time, should you wish to do so, but all sales are final and there are...

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I am uncomfortable about joining the Freedom Membership and view files, which contain documents, and resources sight unseen. Can you let me preview the documents before I get it?

You can view the Register page under Services on our site for more details of what you will be getting. All of our resources are copyrighted and revealing the content before joining would violate the copyright. If we allowed people...

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What else do I need to know about your service?

Read the Terms and Conditions on our Services Page and educate yourself before committing to the Freedom Membership.

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I am a busy individual with a family and a life. I do not have time to read ALL of your voluminous materials. How can you boil it down to a few select important things so I can get the gist of your Freedom Membership to handle my situation?

We also cannot give legal advice, and we are not suggesting any course of action. All we can do is point you to the relevant sources of positive law and let you reach your own independent conclusion based on the...

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Can I sign up for multiple access levels?

Yes, the Membership can be at any level or combination of levels, or you can access al Freedom Membership and Professional Membership levels with the Premium Membership .  Read more about membership info here.

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I do not have a MasterCard or Visa credit or debit card, and I do not want to get one. I do not want my personal information in anyone’s database because my privacy is important to me. I rather send you a money order or a personal check. Can you accommodate that?

Unfortunately, everything obtained on our site can only be obtained online and electronically. We do not accept postal money orders, however we do accept checks debited electronically. If you’d like to pay by check, please email us at Support@mydebtrlease.com and...

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Sounds too good to be true!

If you don’t think this is for you, you’re right. If you think this is exactly what you need, you’re right. At the end of the day, it comes down to knowing the law. If you know your rights, you...

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I am on the verge of becoming a member, but I would like to know the benefits of membership and if I can be helped.

Please refer to the Register Page under Services on our website for complete details of Freedom Membership.

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Why do you think your approach is different or better than others who do what you do?

Here are summaries of the positions we take: 1. We do not claim to know everything or have all the resources that are out in the marketplace. We do extensive research and implement what is working and leave out what...

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Why does anyone have a right to validate or eliminate debt? What is the catch?

The provision of the FDCPA which regulates production of verified proof of liability is found in 15 U.S.C. 1692g, which states in pertinent part: TITLE 15 > CHAPTER 41 > SUBCHAPTER V > § 1692g § 1692g. Validation of debts...

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Why should I join your program?

Most people do not know there are laws out there that favor their situation, so they are not even aware of the resources available to them. Then, there are the rest who may know a little about laws that benefit...

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I am still not convinced about your programs and services?

If you are still not convinced after all the free information on our website with everything from the regular News blogs and all the free Resources in our Resource section, then the Freedom Membership or our Professional Services is not...

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