Debt Is a Spell: How Words Can Free You — A Skeptic’s Dialogue with Tommy Kilpatrick

Tommy Kilpatrick in BANKS EXPOSED:CREDIT FRAUD

1. We Entered This Conversation with Doubt

When we invited Tommy Kilpatrick, author of Forgive and Forget: How to Nuke Your Credit Card Debt, we didn’t expect to leave questioning the foundation of modern banking.
Tommy claims that law is language, and that words like “debt,” “loan,” and even “credit card” are loaded legal fictions.

Our instinct was skepticism. Our assignment: challenge, verify, and uncover truth without swallowing theory whole.

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2. “Say Allege”—The Linguistic Defense

In Tommy’s framing, the difference between debt and alleged debt is the difference between burden and freedom.
By simply acknowledging that a claim is “alleged,” you force the bank or collector to prove the existence of the debt—starting with something no one ever seems to see:
a promissory note or invoice.

“If you never signed a promissory note, there was no loan,” Tommy says calmly, looking straight into the mic.

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3. When Banks Aren’t Merchants

Tommy makes a clear distinction: 

• Store cards: goods and invoices exist → legitimate obligation.

• Bank-issued cards: no invoice, no goods, no merchant transaction.

If no invoice exists, he says, what are you repaying?

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4. How to Verify Without Blind Faith

We didn’t take Tommy’s word. We took notes for you:

✅ Ask your CPA or attorney to define:

• Is a statement a bill?

• Can a loan exist without a promissory note?

• What legal documents would actually prove a debt?

If the answers raise questions, you’ll start to see what Tommy means when he says: “Law is language.”

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5. Skepticism is a Form of Love

We still don’t believe everything Tommy says—but skepticism is how belief earns its place.
As Zionya always says: “To challenge is to care.”

So here’s your challenge:

• Watch the interview.

• Download the CPA Checklist.

• Bring it to a professional.

• Verify before you believe.

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6. CTA Buttons

• 🎧 Listen Now: Tommy Kilpatrick on Reggae Hour

• 🧾 Download CPA Checklist (PDF)

• 📕 Read “Forgive and Forget” on Amazon

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After exploring Tommy Kilpatrick’s claims — from promissory notes to banking language traps — one takeaway becomes impossible to ignore:

Your mind is your first line of defense.
Your clarity, your focus, your ability to read, research, and verify… THAT is the foundation of financial freedom.

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Because if “Law is language,” as Tommy says…
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