In this eye-opening episode of Amazing Authorities, host Mitch Carson interviews Tommy Kilpatrick, consumer advocate, author of Forgive and Forget: How to Nuke Your Credit Card Debt, and founder of a debt dispute strategy that’s helped thousands clear their credit reports without paying a dime to banks.

Tommy reveals how most credit card “debts” are legally unenforceable because no valid promissory notes or invoices exist — and how banks profit billions off what he calls “alleged debt.”
After personally erasing $85,000 from his own credit report through a federal lawsuit, Tommy developed a practical, legal-based system that empowers everyday consumers to fight back and win.

You’ll discover:

• 🔍 How banks profit an average of $23.04 per month per cardholder on false debts — and how to stop feeding that system.

• 🧾 Why adding one simple word — “alleged” — before credit card debt changes the entire legal conversation.

• ⚖️ The 30-day lawsuit strategy that forces banks to prove your debt — or drop it completely.

• 💳 Why “credit card bills” are not invoices, and how that distinction can erase thousands from your report.

• 💡 How this movement could eliminate $1.3 trillion in fake claims and reshape the future of consumer finance.

Tommy’s mission is simple: educate and empower consumers to challenge fraudulent financial claims and reclaim their financial independence.
He shares how to draft letters, use attorney verifications, and leverage injunctions that stop harassment from collectors — all while teaching a new generation of financial literacy rooted in truth, not fear.

This episode is a must-listen for anyone burdened by credit card debt, confused by bank tactics, or simply ready to take control of their financial life.

🌍 Learn more about Tommy Kilpatrick
https://www.facebook.com/profile.php?id=61571446316625

https://www.diy-debtrelief.com/

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