Debt, Deconstructed: Tommy Kilpatrick on Bank-Issued Credit Myths & Financial Sovereignty

In this eye-opening episode of The Soul Mirror, host Sana sits down with Tommy Kilpatrick—former CPA-in-training turned whistleblower—to dismantle what we think we know about credit card debt. Tommy shares how a personal financial crisis led him to challenge the legality of bank-issued credit card obligations. From filing federal lawsuits to discovering key financial loopholes, he reveals why most bank-issued credit card “debts” may be nothing more than alleged claims without legal standing. This isn’t about skipping responsibility—it’s about challenging a system that thrives on confusion and fear.

Listeners will walk away questioning not just their credit cards, but their entire relationship with money and debt.

About the Guest: Tommy Kilpatrick is a former CPA-in-training who became a vocal critic of modern banking practices after personally confronting $85,000 in credit card debt. He has filed multiple lawsuits against major banks and now helps individuals understand the difference between true credit and what he terms “bank-issued alleged debt.” Through legal strategy, public education, and hard-won insight, Tommy exposes the banking industry’s hidden structures that keep millions locked in cycles of unnecessary financial burden.

Key Takeaways:

• Many bank-issued credit cards may not qualify as legal debt due to the lack of promissory notes or merchant services rendered.

• Language matters: Calling it “alleged debt” shifts the burden of proof to the bank.

• There is a legal pathway to challenge credit card obligations, but it requires specific documentation and possibly legal counsel.

• Tommy advises consulting a CPA and using precise language to protect your rights.

• This method doesn’t collapse credit systems—it targets the unjust profit extracted from so-called “free checking” and alleged debt fees.

Connect with Tommy Kilpatrick:

• Book a free 15-minute consultation: https://www.diy-debtrelief.com/

• Facebook: https://www.facebook.com/profile.php?id=61571446316625 

• Book: Forgive and Forget: How to Nuke Your Credit Card Debt (free with consultation)

• Amazon Book: https://www.amazon.com/dp/B0D1DV398C?ref_=cm_sw_r_ffobk_cp_ud_dp_TABG4YT3DN97G3VGCE7F. 

  Email:  [e-mail]

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