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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. 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. 3. When Banks Aren’t Merchants T...