💥 In this mind-bending episode of WV Uncommon Place, JR sits down with retired teacher, author, and financial truth-teller Tommy Kilpatrick, who claims your "credit card debt" might not be debt at all.

💳 Tommy shares his wild journey of running up $85,000 in credit card charges based on a radio infomercial deal that collapsed — and how that financial hit led to an eye-opening discovery about bank-issued credit cards, loans, and the law.

📜 He explains the difference between a real invoice and a statement, why banks can’t legally claim you owe them without a promissory note, and how he got multiple credit accounts wiped clean — not through bankruptcy, but by understanding the system.

🔍 You’ll hear:

• Why Modern Money Mechanics (yes, the Federal Reserve’s own publication) says your “loan” might be an illusion

• The legal difference between alleged debt and verified debt

• How language is law, and how using the word “alleged” changes the game

• The real reason banks send you those low-limit credit cards at 18

🧠 This episode will challenge everything you think you know about credit cards, banking, and financial responsibility. Is it conspiracy? Is it truth? We’re not here to tell you what to think — but we are here to help you start asking better questions.

📌 Connect with Tommy Kilpatrick
📧 Email + Facebook links in the show notes
📘 Get his book Forgive and Forget: How to Make Your Credit Card Debt Disappear — FREE with a 15-minute consult

🔗 SHOW NOTES INCLUDE:

• Reference documents + legal definitions

• Info on LegalShield for attorney access

• Modern Money Mechanics (Federal Reserve PDF)

• Letter templates and next steps for challenging alleged debt

🎯 Mission statement from JR: Evolution in life comes from a challenge — and this episode challenges us to rethink the systems we’ve blindly trusted.

📣 Don’t forget to:
👉 Follow the podcast
👉 Rate and review if this blew your mind
👉 Share with someone buried under credit card “debt”