September 5, 2025 • 46 mins
Navigating the complex landscape of credit repair and financial sovereignty doesn't have to be overwhelming. In this eye-opening conversation, we dive deep into strategies that transcend conventional financial advice, revealing how everyday people can access extraordinary tax benefits and credit repair opportunities.
The journey begins with a fundamental mindset shift: recognizing your name as a business entity. This seemingly simple concept opens doors to tax credits worth up to $500,000 annually—a dramatic increase from the previous $200,000 limit. Rather than complicated schemes, these credits require only basic paperwork and the right approach, making them accessible to entrepreneurs at various stages.
Credit repair takes center stage as we expose how credit bureaus process disputes through AI systems programmed to reject legitimate claims. The game-changing solution? Bypassing standard channels by sending disputes directly to legal departments via certified mail. This ensures human review of your case and dramatically improves success rates.
Perhaps most powerful is the revelation about arbitration as a credit repair tool. Every credit bureau maintains arbitration clauses in their agreements—clauses you can leverage against them. By pursuing arbitration rather than standard disputes, many have successfully removed negative items and secured compensation up to $10,000 per account for hardships caused by inaccurate reporting.
We explore the revolutionary application of Unidroit principles—international commercial contract law that provides powerful leverage in financial disputes. Article 3.2.5 specifically allows contract avoidance when induced by fraudulent misrepresentation or nondisclosure, exactly what occurs when financial institutions fail to disclose securitization processes.
Ready to transform your approach to credit repair and financial sovereignty? These strategies represent just the beginning of what's possible when you understand how the system truly works and how to navigate it effectively.
FOLLOW THE YELLOW BRICK ROAD - DON KILAM
GO GET HIS BOOK ON AMAZON NOW!
https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ
https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=true
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
Where'd you go?
Oh, this is dark up in there.
Okay, did you got your listready?
You better have a list.
Oh well, what's on your mind?
That's a situation Like how canI enter and get the most tax
(00:27):
credits going?
That's making a smart move, oh,okay, okay.
So look now, that question isjust for me.
And you, hey, that tax creditstuff, that tax credit?
Well, not really.
So, look, are you on yourcomputer?
Okay, can you get logged intothe school on the computer?
(00:53):
Because that would be easierfor me to send you links.
I might just send you to Zoom soyou can look at the screen
share for real, for real, justjust.
You can, if you don't want yourvoice on there, just mute it.
(01:16):
Yeah, okay, I got you, but I'mnot a licensed attorney or tax.
That's what I do foreducational information purposes
only.
But I am going to give them allBecause you got that million
dollars.
You can have all theconsultations you need, but I'm
(01:36):
going to give you my best.
So that's why I want to recordthis.
I don't always necessarily giveeverybody the best.
They get what they pay for.
You think I'm going to give youa million dollars worth of game
and you only dropped $1,000?
.
I make sure you get about 20bands if you put your mind
together.
I'm just being honest Again.
You don't have a milliondollars worth of game, and you
(01:56):
dropped $1,000.
$1,000, I might times 10 it foryou, but I mean, if you're
learning business credit, it'sendless there, and then the next
step would be learningcorporations.
But we're going to start smallnow.
It's baby steps, because you betrying to take giant leaps.
Those are quantum leaps.
You can do it.
(02:17):
You is part of that generation,though but Don Kalam don't take
giant leaps like that.
Don Kalam is scary and he likesto see other people succeed and
do the stuff first, and then hejumps in and does it, and that
was very genuine.
(02:37):
Most people feel like they gotit all, like no, we don't have
it all.
We're all still ready.
Well, shit, because since I'vecame into this game, I was
getting like I thought 20,000was a lot starting off.
Hell, no, where I'm at now, amillion ain't enough.
Shit, because you know youstill poor.
(02:57):
I done blew through somemillions.
I never think I'm rich.
People think I'm rich Like Inever think that.
But we think I'm rich like Inever think that.
But we take bigger moves andbigger risks.
Now you know what I mean.
But, yeah, 20 million is likethe new million fuck that
everybody can become amillionaire.
But I'm so I just, yeah,everything's automated.
(03:27):
We're still in the beginning,like we're switching over to a
new system, but we're still inthat threshold.
So it's like I knew, took aCOVID, I knew to go, the getting
was good.
Then I knew to get in and getit.
That's when I got my first.
I made 3 million there in 2020.
So you got that.
I made $3 million there in 2020.
(03:47):
So you got that.
Now I'm going to share thescreen whenever you get in there
, because I want you to see themost work, because you asked a
(04:10):
specific question, and thenwe'll get back to the credit
shit, because there's so manyways to skin their cat.
Okay, fiona, I like that.
Now you might want to hit mutelike that.
Now you might want to hit muteon that.
Turn your computer down.
Yeah, turn your computer down.
(04:30):
So did you get that link?
So look, check this out.
So I just want you to know ifyou want to learn more about it.
But check this out.
How much tax credits can youreceive?
I just want you to know, it'sup to $500,000 per year.
(05:03):
See, it used to be $200,000.
Yeah, I just want you to doyour own research on it, but now
it's $500,000 a year, and it'sjust a few forums.
(05:31):
And the forums.
Well, first of all, you gotta dothis is why your name has to be
a business.
Let me just go to chat GPT,because chat GPT will help me
explain the forms better.
Fuck Google on this one.
Are you familiar with this form941?
(05:57):
So this is what's needed first.
So it's for employees.
You just painted on yourbusiness, so this has to be
filled out first.
Now, all you gotta do is thisUh-huh, you got to do is this
(06:34):
it's in this, though, but that'sthe first one right there.
And then the other one isthat's not it.
Boom, that's not what I'mfeeling out of any words.
So obviously I didn't get theinformation from Chad GPT.
Well, I like Chad GPT.
I got it right from this linkthat I gave you, but you can
(07:02):
type it in Google, though, too.
But you can type it in Google,though, too.
So, look, if you're acorporation claiming credit, you
do have to fill this out, buthere's the form right here.
This is the other form I'mgoing to show you what they look
(07:24):
like.
Hey, let me, I'm gonna show youwhat they look like.
So, just so you can see.
That is it.
I don't know why I didn't pop up, but these are the tax credits
I'm doing right now.
This is what I'm doing foreverybody.
(07:45):
So, yeah, one dude, I just didhis stuff.
He get eighty seven thousandback.
Well, that's what's up just forone year, but they go up to
five hundred thousand.
So, if you want to tap into acall text life to 702-249-00.
(08:08):
Again text private life to702-249-00 prosperity of the
wild birthright, all right.
So boom, look, I make my name abusiness.
That's what I do first withanything that I do.
So, like I said, when you'recoming, first of all you're
(08:32):
going to want to freeze yourcredit reports.
So you know my government,right?
So this was one of the firstplace I did it.
So you see it's still there,it's still active, it's still in
good standing, right?
You see it's still active.
(08:54):
I use this shit.
I still use this shit to thisday.
Uh, let me.
And then, so you can either sendan EIN number, because that's
proof that your name is abusiness, or you can just send
this if you make it, if youincorporate it with a state.
But what I did was sell this toa holding company, not a
(09:20):
holding company.
It's not on public record.
And then so when?
When?
Let me go back to this so youcan see what a holding company
is.
See, I got all my stuff justprivate and I switched a lot of
(09:43):
stuff over and make sure that myname's off a lot of stuff now.
But when you look me up indatabases, I still pop up so say
this was my name, that's abusiness, right.
This is an actual record labelthough.
Right.
But say I made my name abusiness in Arizona, right.
You say this is active and goodstanding.
Who is the single member of this?
(10:04):
It's a holding company in LasVegas.
You follow me.
So you truly on the publicrecord.
If you don't know how to sendthe paperwork and update the
Secretary of State and do all ofthat on the public record,
shout out to Keith Hopkins Onthe public record.
You want to show that thesingle member of your name or
(10:25):
any operating company thatyou're dealing with because your
name is considered an operatingcompany.
When you're looking at it thisway, you want me to keep getting
technical, or you want me to?
All right, because this is whatyour name is.
You see what that says SpecialPurpose Vehicle.
And the reason being is becausethe parent company is the
(10:47):
United States corporation, makesense.
So this is sometimes referredto as a bankruptcy remote entity
.
So they keep, they keep all thefinances separate now that SPV
is liable.
So this is why you're liable forthese public debts and I don't
(11:08):
do the consumer law shit,because if you're going to do
consumer law, that's justfederal codes and statutes.
Because if you're in a privatetrust, whatever you're doing in
a private trust, that's your law.
That's how you move.
But if you're going to usecodes and statutes, make sure
that you use this code righthere.
Nobody talks about this code.
(11:30):
Though you like it, don't you?
That's federal law.
So 28 USC 3002, succession 3.
That means an amount that'sowing to the United States On
account of a direct loan.
The loan insured are guaranteedby the United States.
So basically, that proves toyou, that proves to me, that
(11:51):
every account in America theydrew off the Social Security
Trust.
That proves it right there.
So the debt belongs to theUnited States and that's the
whole purpose of having thepublic debt.
Who owns the United Statesnational debt?
That's not motherfucking.
My.
This is not.
This is not my information.
This is what the truth is.
(12:14):
Let me find my website.
I'd like to go to one.
Let me find it, though they betrying to switch it up on me.
It's called the balance.
Well, let me put that in chatso I can go back to it later if
(12:36):
I ever need it.
But who owns the United StatesNational Debt?
The Social Security Trust Fund.
So I mean, that's how debt iscreated.
Anytime you fill out anapplication, you're adding to
the debt.
You're pulling from the SocialSecurity Trust Fund.
So that's why I don't ever liketo beneficiary anything when
(12:58):
people say the government owesthem money.
If you're using the social, youalready accessed that
motherfucking government to oweyou nothing.
So I make my name a businessBecause your name is already
operating as a soleproprietorship, and you know
what a sole proprietor is,correct, a sole trader.
(13:20):
You're liable for the debt.
An unincorporated business bythemselves.
So you're unincorporated, butyet you're sitting here getting
credit accounts, and then youcan go with GAAP.
There's so many routes.
You can go with this, but makesure you freeze your shit If you
(13:40):
want me to do that for you.
I'll do it.
This is one place to go.
You see this, you know about it.
Okay, you know about the otherplaces.
You got the book.
Yes, experian got the own one.
(14:02):
This is the opt-out screenright here for this.
This one's for Equifax,experian Innov own one.
This is the opt-out screenright here for this.
This one's for Equifax,experian, innovis and TransUnion
.
So this one does all of that.
So these are the main two thatI go to.
I think you can opt out ofCoreLogic too.
You see that pop up there.
(14:22):
Yeah, that's the same one.
It popped up.
It might be the same one.
No, I would do this.
You gotta email them.
Oh, they got the whole email.
(14:43):
Yeah, definitely would do that.
There's a permanent opt outform.
Page not found, that's lit,though.
Opt out, do all that shit.
Page not found, that's lit,though what's up, opt out, do
(15:03):
all that shit.
But credit's easy.
Now what else?
What else did you ask?
And you're going through mystatus select.
You're going to go to them.
I mean I would, unless yougonna go to them.
I mean I would, unless you'regonna do it yourself, alright.
So look, now you're speakingdaddy language.
(15:27):
Now, look, I like how you'resaying.
You're like, fuck them, I got,so I got my own stuff.
But look, you can create yourown for real, for real, on the
real.
I'll show you, I'll show youthese.
These are the form.
Right here, that's thedeclaration of status.
(15:50):
So you know, I do thenon-taxpayer affidavit.
You remember seeing that?
Yes, that's seeing that.
Yes, I'm sorry.
No, it's all right, girl.
So this is my form of statuscorrection right here, this form
what I don't know if it's stillloading or what, because they
(16:12):
got a flag here and everything.
I don't know what's going on,what's going on, jeffrey,
because they got a flag here andeverything.
I don't know what's going on.
What's going on, jeffrey.
There we go.
So this is my one, this is whatI had so much success with.
So this is my flag.
So if you see anybody using it,it definitely came from Don
Kalam I created myself.
(16:34):
Remove all planes and all boxesfrom this courtroom.
This will be a level playingfield that make sense.
As-salamu alaykum, no oink fromme Now.
Durable power of attorneygeneral, in fact, and we're
revoking all previous powers ofattorneys.
(16:55):
Notice of intent, withcertificates and other equitable
titles attached here too.
So what you want to.
What you want to attach to thisis a copy of your birth
certificate, and that's that'swhat works for me on this.
Whoops, I didn't mean to dothat.
And then this is your identity,too.
(17:15):
You can use this as identity.
I went to jail with this once,though just know that they did
lock my ass up, but they usedthis identity back in 2017.
Yeah, I've been using this shitfor a minute, but it's basically
put you you're, no, a citizen.
It's pulling you out of that.
(17:36):
It's breaking down thedefinitions.
We have a religious objectionto having an earthly presence
described.
So this is.
This makes you nationals thoughI do.
I do use that code, so, but itsays the earthly presence.
You see how this is.
(17:57):
I'm a transgenic foreigner, butnot an inhabitant, with respect
to the man or woman.
Now, I wouldn't necessarily sendthis.
If I'm getting out of credit, Iwouldn't send this shit to them
, not necessarily.
You know what I mean.
I always do everything forbusiness.
I could pull up some of mycredit shit, though, if you want
(18:19):
to see what I send them.
And then arbitration you coulddo arbitration too.
They're going to take that shitoff, yeah, yeah, it doesn't
cost no money starting offbecause they have to pay for
that.
Yeah, and I know I can find myarbitration.
It doesn't cost no moneystarting off because they have
to pay for that.
Yeah, yeah, and I know I canfind my arbitration files.
(18:40):
I know I got the all of them.
I use the same ones every time.
I just switch it up.
But, yeah, so you met Equityright.
So that's how he got his carback.
You didn't see that car, butyeah, he took them through
arbitration and they definitelytook that shit off the credit
(19:01):
report.
They leave you the fuck alone.
You just make sure you do theshit right.
Watch the videos.
That's in the school.
That's Brother Omar's stuff.
But you have to prove that itcaused, it caused, it caused
harm in your life.
(19:22):
Look, I'm going to show yousomething.
Some of the people on some ofthe cases this is funny, but
they're nice people.
They love this shit.
This is their job.
So this was one of our mediators.
You see her, denise Peterson.
She sends the whole resume.
(19:43):
They send you their wholeresume and look, you see who was
representing them.
Yeah, I don't go in there, as Idon't use my government name at
all.
That's why I need you tounderstand Understanding what a
name is in commerce.
(20:04):
You can do businesses whoeveryou want.
I go in there as the accountrepresentative.
I'm trying to pull up the uh,all the templates.
(20:29):
There's a, there's a lot.
See, I don't I didn't put mytemplates out there, I just put
what's already out there.
But, like here's one of thecases because you have to fill
this out with it and I'm tellingyou it's easy, and then here's
a letter that went with it andthat was a binding arbitration.
So they wanted to know why, howis it that we can break these
(20:53):
arbitration claims and we pullup the arbitration clauses?
And we pull up the arbitrationclauses and if none of the
accounts that you have becausedo you have the agreements with
any of the accounts?
Do you have the originalagreements?
We can find them anyways onlineand we'll find the arbitration
clauses and that's what we sendto the arbitration Because it's
in their agreements.
Now, regardless, we can pullthem in arbitration because
(21:18):
they're using the credit bureaus, not the credit bureaus, the
credit agencies.
Strike that for the record.
All the credit agencies usearbitration, so I send them.
So this is one right here.
It was an arbitration clause,but we can look, we can go like
(21:38):
so just, you had some stuff onEquifax, right?
So, look, equifax arbitrationagreement.
Look, no class of arbitrationwill be conducted as an
individual arbitration.
Look, they have arbitrationclauses.
So every credit agencyarbitration.
Look, they have arbitrationclauses.
So every credit agency.
(22:02):
Look, binding arbitration.
As soon as you use them tocheck your credit report, you're
under a binding arbitration.
As soon as they report on yourcredit, you're under a binding
arbitration.
You see this the right to optout of this arbitration.
So you can opt in and all thatand that's what.
(22:25):
And then then, instead of I wasjust there too yesterday, I was
just there.
That's their legal departmentright here.
(22:47):
So Equifax's legal departmentis here in Atlanta.
But I just want you to know,instead of sending disputes to
these places, you send themdirectly to the legal department
, because these credit lettersare being generated by AI and
computers.
Of course they're trained tosay that shit's not right.
We're going to have our shitsent certified mail, seen by
(23:10):
direct people.
So, and this is all of them.
So, look, you see this address.
So, so let's just see if theyhave a different address.
Look for disputes.
It's gonna be, uh, a wholedifferent address.
A whole po box that's goingstraight to a computer.
(23:31):
Does that make sense?
So that's one key right therefor you to man.
Come on, man, we just hit themwith the boom bop bing bow.
You know what I mean?
Just making sense.
You can drop a donation, baby.
(23:53):
Drop it like it's hot, but look.
You can drop a donation, baby,drop it like it's hot, but look.
So with this, the consumer issending the arbitration
agreement.
Uncertain information is beingreported and hampering me in
life from receiving properfunding for my business.
It is also keeping me fromreceiving a card of fine work
(24:17):
for my business.
It has had a domino effect ofhardship due to uncertified
information that is not in theleast bit accurate.
So we're saying all thisinformation is uncertified
because, look, now I bring thisin.
So in arbitration you bring upyour own law.
So there's two different lawsyou can bring up and there's one
(24:39):
I did want to talk to you aboutbut GAAP, general Acceptance
Accounting Principles, becauseyou have an account with all
these companies that's reportingback, so you have an account
number, so it follows under thisand all public companies must
follow GAAP when preparing thefinancial documents.
That includes certifiedfinancial statements.
(25:00):
These financial statements mustbe certified when they're
reporting this information, itis not certified.
They send you something in themail.
It's not certified.
So when we send them agreements, at least we certified the mail
.
You know what I mean.
Everything gets certified.
They don't certify theirstatements, so nobody's
considered liable, and that'sthe way why they do it.
(25:23):
When you accept them now you'reconsidered liable, so I'm going
to go throw that out there.
So I don't do nothing.
I do about 10,000 per accountis what I'm asking for when I do
about $10,000 per account.
That's what I'm asking for whenI do this, and the relief that
we're seeking is the arbitrationcosts.
They have to pay for thearbitration costs.
(25:45):
It does cost money, though tofile it at first.
It does.
You get the money back.
It does cost money, but you seethis, yeah, so this was one of
my first ones that I've done and, um, we actually took
experience.
We took the car company andexperience.
(26:05):
We took them both, and when youlook at this letter, so the
incorrect data has resulted insignificant hardships for my
family, leading to the denial ofcredit and subsequent
challenges securing essentialresources for our well-being.
(26:30):
Yes, I'm deeply concerned anddisappointed by the inaccurate
information made available tothe public through my consumer
crediting report.
These inaccuracies havedirectly resulted in the denial
of credit, which has had adomino effect on our ability to
obtain vital resources such as acar from unemployment and a
stable residence.
Consequently, my family hasbeen left with no choice but to
(26:53):
move from place to place,causing substantial stress and
instability in our lives.
The denial of credit directlystemming from the inaccurate
information on my credit reporthas had a profound impact on our
financial stability.
Without reliable transportation, my employment opportunities
have been severely limited,impeding my ability to provide
for my family.
Moreover, the inability tosecure permanent residence is
(27:15):
compounding our difficulties asfinding suitable housing options
has become increasinglychallenging.
Given the gravity of thesituation and immense hardship
we have endured, I am compelledto demand fair compensation and
resolution for the damagesuffered.
I kindly request that youpromptly rectify the
inaccuracies on my credit reportand provide written
confirmation of the correctionsmade.
(27:35):
Considering the stress causedby the denial of credit, I'm
seeking compensation in theamount of $10,000 to address the
financial losses and emotionaldistress experienced by my
family.
This amount is reflective ofthe hardships endured, the
resulting expenses incurred andthe detrimental impact on our
overall quality of life.
I firmly believe in theprinciples of fairness and
(27:56):
accountability, and I trust thatyou will treat this matter with
the seriousness it deserves.
I urge you to initiate thenecessary investigations and
correct actions without delay torectify the inaccuracies on my
credit report.
Failure to address this matterwithin a reasonable time frame
may necessitate legal recoursethrough arbitration or other
(28:19):
available means, as per theapplicable laws.
I respectfully request awritten response within 30 days
from the date of this letteracknowledging the receipt of my
complaint outlining the actionsbeing taken to rectify the
inaccuracies of my credit report.
Additionally, please providedetails regarding the
compensation being offered toremedy the damages caused by
these inaccuracies.
Thank you for your immediateattention to this matter.
(28:41):
I trust that you will handlethis situation diligently,
provide a swift resolution toelevate the hardships faced by
my family.
I eagerly await your promptresponse Now.
I sent this letter the same daythat I send stuff to the
(29:04):
arbitration and I did make myown arbitration agreement for
failure to remove inaccuraciesfor a credit report.
Let me show you something that Ididn't get to show you, because
I've actually seen people usethe UCC codes.
Because you get to bring upyour own law.
You can bring up common law orwhatever, because it's
arbitration right.
I want you to know about theUnijoy principles.
(29:27):
I would use these over commonlaw any day.
So the principles ofinternational commercial
contracts, most referred to asthe Unijoy principles.
So the principles ofinternational commercial
contracts, most referred to asthe Unijoy principles and often
also referred to as PICC.
Picc is a set of 211 rules forinternational contracts.
They have been drawn up since1984 by an international working
(29:50):
group of the IntergovernmentalOrganization, unijoy, and they
were ratified by the council,representing 64 governments and
member states, as soft law.
These principles haveharmonized international
commercial contract law byproviding rules supplementing
international instruments likethe CISG and even national laws,
most importantly in privatepractice, because people don't
(30:12):
know what this word means,because I practice in the
private.
I don't do that public shit.
You know attorneys with barcards, that's public practice.
There's even private practiceattorneys.
But yeah, I do the privatepractice of law.
I'm not a licensed attorney ortax expert.
Okay, they offer a neutralcontractual regimen which the
(30:35):
parties can choose, either byincorporation into their
contracts and hold or impart, orby a straightforward choice of
the unitary principles.
This contract is governed by theunitary principles of
international commercialcontracts.
Now, if you have car insurance,if you've been married before,
you're under the unitaryprinciples and this governs your
life.
This is how they can take yourkids away.
(30:57):
It's through the unidroidprinciples, because they own
your kids through the marriage.
It's how they take your kids.
It's through the marriage, ifyou're married with children.
The unidroid principles werefirst released in 1994 with
enlarged editions.
Da-da-da-da-da.
I'm just letting you know.
This is the law.
The United States has adopted,this US contract law.
(31:23):
But this is private law.
If there's a dispute, here wego.
I wasn't even on the Unijoyshit.
But international commercialcontracts.
I want you to see, look, the UShas been in the United States.
You enjoy shit, butinternational commercial
contracts.
I want you to see, look, the UShas been part of this since
1964.
(31:45):
And this is why you got tounderstand law and royal
families and understanding aboutassets truthfully.
And but yeah, I've used this toget rid of debt too.
So I mean I would.
I would even come in in intothis as unijoy with unijoy if
(32:08):
I'm doing arbitration.
So study, unijoy, you can getthe principles right here.
All it is is a constitution.
These principles set forthrules.
This the preamble.
Article 1 freedom of contract.
(32:30):
The parties are free to enterinto a contract and determine
its content.
Yeah, so you learn this insteadof you should see inconsistent
behavior.
A party cannot actinconsistently with an
understanding that has causedthe other party to have and upon
which his other party,reasonably, has acted to
(32:52):
detriment.
So, look, I can just look at itlike this.
I would do something like this.
Let's see if it works.
You know, I love using AI, Ilove using chat, gpt, so free me
a dispute letter demanding thatthe account be closed and
(33:20):
removed.
Be closed and removed due tofraud.
Due to fraud, because you know,you understand they're doing
securitization without fulldisclosure.
Full disclosure.
(33:47):
I'm going to put and use Unijoyprinciples as backing.
Let's see, let's think and boom.
So they used the f, it it used.
(34:12):
It didn't use.
Look, it did, but it didn't getspecific.
So, yeah, I might have to getup in here because I don't like
how you use the fair creditreporting, that at all.
So I would just come in andcopy and paste it.
I'm showing you game right now.
(34:32):
It might, it might not, itmight not.
Pick up all this.
No, I mean all that might notfit.
No, I mean all that might notfit.
Let me save it Because you canupload this in the chat GPT.
(34:56):
Let me save and see if thatworks and put it in there.
You're good.
You're good, it's thinking.
(35:19):
So I just went through thereand I was just choosing the best
ones, so that's what I did.
So, look, I uploaded it.
Now it's giving me which onesyou dig what I'm saying.
So it says, under article 3.2.5of the Union of Joint Principles
(35:43):
, a party may avoid a contractif induced by fraudulent
misrepresentation ornondisclosure which is contrary
to reasonable commercialstandards of fair dealing.
It has come to my attentionthat my account has been subject
to securitization processesunknown to me and without my
explicit consent or fulldisclosure, thereby constituting
a fundamental breach of suchstandards.
Additionally, article 1.7mandates that each party must
(36:08):
act in good faith and fairdealing during contextual
engagements.
The nondisclosure of criticalsecuritization agreements
suggests the violation of theseduties.
I like this.
I'm posting that in the schoolright now.
I'm posting that in the school.
(36:30):
But you got it.
I'm going to say use this, oh,wow, wow, use Unijoy.
(37:03):
Everybody got to learn whatUnijoy is, though.
First I had got a bank accountclosed, with it, though, because
I was disputing stuff withUnijoy on the bank account.
(37:24):
So with it, though, because Iwas disputing stuff with Unijoy
on the bank account, I just wentyeah, so I got to let people
know that.
Let me put the Unijoy wherethey can look it up.
(37:45):
Unijoy principles Get your life.
I gave you some game, though.
Is that enough for the night oryou need more?
(38:06):
Tell me if you got questions,though you're not the public,
you're my private life, baby.
I'm just glad you're stillpaying that 50 a month in the
school.
Schoolcom slash.
Dot com.
Dot com slash d-o-n-k-i-l-a-l.
(38:30):
Text private life to 702, 200,4900.
Prosperity You're the onebirthright.
Look, you even benefited theschool.
You feel me?
I'm about to drop the template.
Right now I'm not even givingthe template.
They need to copy and paste it.
You know what?
I will give them the template.
(38:51):
Let me give them the template,cause that's easy.
I like that dispute letter.
We gonna try that shit.
Cause, cause I use that already.
So it's like I never thoughtabout using it like that, though
I'm proud of myself on thiscall, using Unidroit to get rid
(39:24):
of debt, but yeah, I done gotrid of a lot of shit with this,
but I just never used it as adispute letter.
I used it on arbitration and Ihad wrote it on some bills by
Unijoint.
You know what I'm saying.
I used it in arbitration, and Ihad wrote it on some bills by
(39:45):
Unidroid.
You know what I'm saying?
Yeah, I was staying in Texas atthis time when I learned about
it.
I was in Texas, dallas, texas.
I'm telling you, it closed downsome shit, dallas, texas.
(40:07):
I'm telling you it closed downsome shit too, though.
So if it's something you wantto keep open, don't use it At
all.
So I ain't never got nothingclosed down using UCC codes, but
(40:29):
I done got rid of some shit.
So, yeah, you want me to go backover the letter now.
You back at the desk.
What you eating?
Cereal?
I want some.
Yo ass got the munchies.
I do.
I'm hungry.
So I'm writing to formallydispute the activity on my
(40:51):
account.
Write the account number andwho it's with Due to fraudulent
activities, includingsecuritization, without full
disclosure.
This conduct violates theprinciple of fair dealing as
described in internationalcommercial regulations,
particularly the Unijoyprinciples.
Under Article 3.2.5 of theUnijoy principles, a party may
avoid a contract if induced byfraudulent misrepresentation or
(41:15):
non-disclosure which is contraryto reasonable commercial
standards of fair dealing.
It has come to my attentionthat my account has been subject
to securitization processesunknown to me, without my
explicit consent or fulldisclosure, thereby constituting
a fundamental breach of suchstandards.
Now you say you understandsecuritization right, because if
(41:39):
they say they're not secure asto hiding these things, that's
fraud on the record like a mofo.
But yeah, I learnedsecuritization through mortgages
.
But every court case, everyaccount, it's getting
securitized.
Under Article 3.2.5 of theUnijoy Principles, a party may
avoid a contract if induced byfraudulent misrepresentation or
(42:01):
nondisclosure which is contraryto reasonable commercial
standards of fair dealing.
It has come to my attentionthat my account has been subject
to securitization processesunknown to me, without my
explicit consent or fulldisclosure, thereby constituting
a fundamental breach of suchstandards.
Additionally, article 1.7mandates that each party must
act in good faith and fairdealing during contractual
(42:25):
engagements.
The nondisclosure of criticalsecuritization agreements
suggests a violation of theseduties, allowing me to seek
avoidance of the contract, theengagement of which was under
fraudulent circumstances.
I hereby demand the immediateclosure of the affirmation
account and the removal of anyrelated information from my
credit report.
(42:45):
These actions are necessary torectify the misleading
representation and undue harmcaused to me as the aggrieved
party.
Furthermore, I request writtenconfirmation of these actions
within 30 days from the day ofthis letter to avoid further
legal action.
I trust this matter will behandled with the urgency and
seriousness it warrants.
Thank you for your promptattention in this serious issue.
(43:07):
I would give them 10 days,though, but whatever, I would
give them 10 days, but that'ssome game, huh.
But I would send that first andthen go through arbitration.
With all these accounts, I'mabout to shut this down.
(43:34):
Peace and love y'all.
Y'all want to tap in.
It takes private life to702-200-4900.
Prosperity is your and of ourbirthright.
Peace and love.
Where'd you go?
Oh, this is dark up in there.
Okay, did you got your listready?
You better have a list.
Oh well, what's on your mind?
That's a situation Like how canI enter and get the most tax
(00:27):
credits going?
That's making a smart move, oh,okay, okay.
So look now, that question isjust for me.
And you, hey, that tax creditstuff, that tax credit?
Well, not really.
So, look, are you on yourcomputer?
Okay, can you get logged intothe school on the computer?
(00:53):
Because that would be easierfor me to send you links.
I might just send you to Zoom soyou can look at the screen
share for real, for real, justjust.
You can, if you don't want yourvoice on there, just mute it.
(01:16):
Yeah, okay, I got you, but I'mnot a licensed attorney or tax.
That's what I do foreducational information purposes
only.
But I am going to give them allBecause you got that million
dollars.
You can have all theconsultations you need, but I'm
(01:36):
going to give you my best.
So that's why I want to recordthis.
I don't always necessarily giveeverybody the best.
They get what they pay for.
You think I'm going to give youa million dollars worth of game
and you only dropped $1,000?
.
I make sure you get about 20bands if you put your mind
together.
I'm just being honest Again.
You don't have a milliondollars worth of game, and you
(01:56):
dropped $1,000.
$1,000, I might times 10 it foryou, but I mean, if you're
learning business credit, it'sendless there, and then the next
step would be learningcorporations.
But we're going to start smallnow.
It's baby steps, because you betrying to take giant leaps.
Those are quantum leaps.
You can do it.
(02:17):
You is part of that generation,though but Don Kalam don't take
giant leaps like that.
Don Kalam is scary and he likesto see other people succeed and
do the stuff first, and then hejumps in and does it, and that
was very genuine.
(02:37):
Most people feel like they gotit all, like no, we don't have
it all.
We're all still ready.
Well, shit, because since I'vecame into this game, I was
getting like I thought 20,000was a lot starting off.
Hell, no, where I'm at now, amillion ain't enough.
Shit, because you know youstill poor.
(02:57):
I done blew through somemillions.
I never think I'm rich.
People think I'm rich Like Inever think that.
But we think I'm rich like Inever think that.
But we take bigger moves andbigger risks.
Now you know what I mean.
But, yeah, 20 million is likethe new million fuck that
everybody can become amillionaire.
But I'm so I just, yeah,everything's automated.
(03:27):
We're still in the beginning,like we're switching over to a
new system, but we're still inthat threshold.
So it's like I knew, took aCOVID, I knew to go, the getting
was good.
Then I knew to get in and getit.
That's when I got my first.
I made 3 million there in 2020.
So you got that.
I made $3 million there in 2020.
(03:47):
So you got that.
Now I'm going to share thescreen whenever you get in there
, because I want you to see themost work, because you asked a
(04:10):
specific question, and thenwe'll get back to the credit
shit, because there's so manyways to skin their cat.
Okay, fiona, I like that.
Now you might want to hit mutelike that.
Now you might want to hit muteon that.
Turn your computer down.
Yeah, turn your computer down.
(04:30):
So did you get that link?
So look, check this out.
So I just want you to know ifyou want to learn more about it.
But check this out.
How much tax credits can youreceive?
I just want you to know, it'sup to $500,000 per year.
(05:03):
See, it used to be $200,000.
Yeah, I just want you to doyour own research on it, but now
it's $500,000 a year, and it'sjust a few forums.
(05:31):
And the forums.
Well, first of all, you gotta dothis is why your name has to be
a business.
Let me just go to chat GPT,because chat GPT will help me
explain the forms better.
Fuck Google on this one.
Are you familiar with this form941?
(05:57):
So this is what's needed first.
So it's for employees.
You just painted on yourbusiness, so this has to be
filled out first.
Now, all you gotta do is thisUh-huh, you got to do is this
(06:34):
it's in this, though, but that'sthe first one right there.
And then the other one isthat's not it.
Boom, that's not what I'mfeeling out of any words.
So obviously I didn't get theinformation from Chad GPT.
Well, I like Chad GPT.
I got it right from this linkthat I gave you, but you can
(07:02):
type it in Google, though, too.
But you can type it in Google,though, too.
So, look, if you're acorporation claiming credit, you
do have to fill this out, buthere's the form right here.
This is the other form I'mgoing to show you what they look
(07:24):
like.
Hey, let me, I'm gonna show youwhat they look like.
So, just so you can see.
That is it.
I don't know why I didn't pop up, but these are the tax credits
I'm doing right now.
This is what I'm doing foreverybody.
(07:45):
So, yeah, one dude, I just didhis stuff.
He get eighty seven thousandback.
Well, that's what's up just forone year, but they go up to
five hundred thousand.
So, if you want to tap into acall text life to 702-249-00.
(08:08):
Again text private life to702-249-00 prosperity of the
wild birthright, all right.
So boom, look, I make my name abusiness.
That's what I do first withanything that I do.
So, like I said, when you'recoming, first of all you're
(08:32):
going to want to freeze yourcredit reports.
So you know my government,right?
So this was one of the firstplace I did it.
So you see it's still there,it's still active, it's still in
good standing, right?
You see it's still active.
(08:54):
I use this shit.
I still use this shit to thisday.
Uh, let me.
And then, so you can either sendan EIN number, because that's
proof that your name is abusiness, or you can just send
this if you make it, if youincorporate it with a state.
But what I did was sell this toa holding company, not a
(09:20):
holding company.
It's not on public record.
And then so when?
When?
Let me go back to this so youcan see what a holding company
is.
See, I got all my stuff justprivate and I switched a lot of
(09:43):
stuff over and make sure that myname's off a lot of stuff now.
But when you look me up indatabases, I still pop up so say
this was my name, that's abusiness, right.
This is an actual record labelthough.
Right.
But say I made my name abusiness in Arizona, right.
You say this is active and goodstanding.
Who is the single member of this?
(10:04):
It's a holding company in LasVegas.
You follow me.
So you truly on the publicrecord.
If you don't know how to sendthe paperwork and update the
Secretary of State and do all ofthat on the public record,
shout out to Keith Hopkins Onthe public record.
You want to show that thesingle member of your name or
(10:25):
any operating company thatyou're dealing with because your
name is considered an operatingcompany.
When you're looking at it thisway, you want me to keep getting
technical, or you want me to?
All right, because this is whatyour name is.
You see what that says SpecialPurpose Vehicle.
And the reason being is becausethe parent company is the
(10:47):
United States corporation, makesense.
So this is sometimes referredto as a bankruptcy remote entity
.
So they keep, they keep all thefinances separate now that SPV
is liable.
So this is why you're liable forthese public debts and I don't
(11:08):
do the consumer law shit,because if you're going to do
consumer law, that's justfederal codes and statutes.
Because if you're in a privatetrust, whatever you're doing in
a private trust, that's your law.
That's how you move.
But if you're going to usecodes and statutes, make sure
that you use this code righthere.
Nobody talks about this code.
(11:30):
Though you like it, don't you?
That's federal law.
So 28 USC 3002, succession 3.
That means an amount that'sowing to the United States On
account of a direct loan.
The loan insured are guaranteedby the United States.
So basically, that proves toyou, that proves to me, that
(11:51):
every account in America theydrew off the Social Security
Trust.
That proves it right there.
So the debt belongs to theUnited States and that's the
whole purpose of having thepublic debt.
Who owns the United Statesnational debt?
That's not motherfucking.
My.
This is not.
This is not my information.
This is what the truth is.
(12:14):
Let me find my website.
I'd like to go to one.
Let me find it, though they betrying to switch it up on me.
It's called the balance.
Well, let me put that in chatso I can go back to it later if
(12:36):
I ever need it.
But who owns the United StatesNational Debt?
The Social Security Trust Fund.
So I mean, that's how debt iscreated.
Anytime you fill out anapplication, you're adding to
the debt.
You're pulling from the SocialSecurity Trust Fund.
So that's why I don't ever liketo beneficiary anything when
(12:58):
people say the government owesthem money.
If you're using the social, youalready accessed that
motherfucking government to oweyou nothing.
So I make my name a businessBecause your name is already
operating as a soleproprietorship, and you know
what a sole proprietor is,correct, a sole trader.
(13:20):
You're liable for the debt.
An unincorporated business bythemselves.
So you're unincorporated, butyet you're sitting here getting
credit accounts, and then youcan go with GAAP.
There's so many routes.
You can go with this, but makesure you freeze your shit If you
(13:40):
want me to do that for you.
I'll do it.
This is one place to go.
You see this, you know about it.
Okay, you know about the otherplaces.
You got the book.
Yes, experian got the own one.
(14:02):
This is the opt-out screenright here for this.
This one's for Equifax,experian Innov own one.
This is the opt-out screenright here for this.
This one's for Equifax,experian, innovis and TransUnion
.
So this one does all of that.
So these are the main two thatI go to.
I think you can opt out ofCoreLogic too.
You see that pop up there.
(14:22):
Yeah, that's the same one.
It popped up.
It might be the same one.
No, I would do this.
You gotta email them.
Oh, they got the whole email.
(14:43):
Yeah, definitely would do that.
There's a permanent opt outform.
Page not found, that's lit,though.
Opt out, do all that shit.
Page not found, that's lit,though what's up, opt out, do
(15:03):
all that shit.
But credit's easy.
Now what else?
What else did you ask?
And you're going through mystatus select.
You're going to go to them.
I mean I would, unless yougonna go to them.
I mean I would, unless you'regonna do it yourself, alright.
So look, now you're speakingdaddy language.
(15:27):
Now, look, I like how you'resaying.
You're like, fuck them, I got,so I got my own stuff.
But look, you can create yourown for real, for real, on the
real.
I'll show you, I'll show youthese.
These are the form.
Right here, that's thedeclaration of status.
(15:50):
So you know, I do thenon-taxpayer affidavit.
You remember seeing that?
Yes, that's seeing that.
Yes, I'm sorry.
No, it's all right, girl.
So this is my form of statuscorrection right here, this form
what I don't know if it's stillloading or what, because they
(16:12):
got a flag here and everything.
I don't know what's going on,what's going on, jeffrey,
because they got a flag here andeverything.
I don't know what's going on.
What's going on, jeffrey.
There we go.
So this is my one, this is whatI had so much success with.
So this is my flag.
So if you see anybody using it,it definitely came from Don
Kalam I created myself.
(16:34):
Remove all planes and all boxesfrom this courtroom.
This will be a level playingfield that make sense.
As-salamu alaykum, no oink fromme Now.
Durable power of attorneygeneral, in fact, and we're
revoking all previous powers ofattorneys.
(16:55):
Notice of intent, withcertificates and other equitable
titles attached here too.
So what you want to.
What you want to attach to thisis a copy of your birth
certificate, and that's that'swhat works for me on this.
Whoops, I didn't mean to dothat.
And then this is your identity,too.
(17:15):
You can use this as identity.
I went to jail with this once,though just know that they did
lock my ass up, but they usedthis identity back in 2017.
Yeah, I've been using this shitfor a minute, but it's basically
put you you're, no, a citizen.
It's pulling you out of that.
(17:36):
It's breaking down thedefinitions.
We have a religious objectionto having an earthly presence
described.
So this is.
This makes you nationals thoughI do.
I do use that code, so, but itsays the earthly presence.
You see how this is.
(17:57):
I'm a transgenic foreigner, butnot an inhabitant, with respect
to the man or woman.
Now, I wouldn't necessarily sendthis.
If I'm getting out of credit, Iwouldn't send this shit to them
, not necessarily.
You know what I mean.
I always do everything forbusiness.
I could pull up some of mycredit shit, though, if you want
(18:19):
to see what I send them.
And then arbitration you coulddo arbitration too.
They're going to take that shitoff, yeah, yeah, it doesn't
cost no money starting offbecause they have to pay for
that.
Yeah, and I know I can find myarbitration.
It doesn't cost no moneystarting off because they have
to pay for that.
Yeah, yeah, and I know I canfind my arbitration files.
(18:40):
I know I got the all of them.
I use the same ones every time.
I just switch it up.
But, yeah, so you met Equityright.
So that's how he got his carback.
You didn't see that car, butyeah, he took them through
arbitration and they definitelytook that shit off the credit
(19:01):
report.
They leave you the fuck alone.
You just make sure you do theshit right.
Watch the videos.
That's in the school.
That's Brother Omar's stuff.
But you have to prove that itcaused, it caused, it caused
harm in your life.
(19:22):
Look, I'm going to show yousomething.
Some of the people on some ofthe cases this is funny, but
they're nice people.
They love this shit.
This is their job.
So this was one of our mediators.
You see her, denise Peterson.
She sends the whole resume.
(19:43):
They send you their wholeresume and look, you see who was
representing them.
Yeah, I don't go in there, as Idon't use my government name at
all.
That's why I need you tounderstand Understanding what a
name is in commerce.
(20:04):
You can do businesses whoeveryou want.
I go in there as the accountrepresentative.
I'm trying to pull up the uh,all the templates.
(20:29):
There's a, there's a lot.
See, I don't I didn't put mytemplates out there, I just put
what's already out there.
But, like here's one of thecases because you have to fill
this out with it and I'm tellingyou it's easy, and then here's
a letter that went with it andthat was a binding arbitration.
So they wanted to know why, howis it that we can break these
(20:53):
arbitration claims and we pullup the arbitration clauses?
And we pull up the arbitrationclauses and if none of the
accounts that you have becausedo you have the agreements with
any of the accounts?
Do you have the originalagreements?
We can find them anyways onlineand we'll find the arbitration
clauses and that's what we sendto the arbitration Because it's
in their agreements.
Now, regardless, we can pullthem in arbitration because
(21:18):
they're using the credit bureaus, not the credit bureaus, the
credit agencies.
Strike that for the record.
All the credit agencies usearbitration, so I send them.
So this is one right here.
It was an arbitration clause,but we can look, we can go like
(21:38):
so just, you had some stuff onEquifax, right?
So, look, equifax arbitrationagreement.
Look, no class of arbitrationwill be conducted as an
individual arbitration.
Look, they have arbitrationclauses.
So every credit agencyarbitration.
Look, they have arbitrationclauses.
So every credit agency.
(22:02):
Look, binding arbitration.
As soon as you use them tocheck your credit report, you're
under a binding arbitration.
As soon as they report on yourcredit, you're under a binding
arbitration.
You see this the right to optout of this arbitration.
So you can opt in and all thatand that's what.
(22:25):
And then then, instead of I wasjust there too yesterday, I was
just there.
That's their legal departmentright here.
(22:47):
So Equifax's legal departmentis here in Atlanta.
But I just want you to know,instead of sending disputes to
these places, you send themdirectly to the legal department
, because these credit lettersare being generated by AI and
computers.
Of course they're trained tosay that shit's not right.
We're going to have our shitsent certified mail, seen by
(23:10):
direct people.
So, and this is all of them.
So, look, you see this address.
So, so let's just see if theyhave a different address.
Look for disputes.
It's gonna be, uh, a wholedifferent address.
A whole po box that's goingstraight to a computer.
(23:31):
Does that make sense?
So that's one key right therefor you to man.
Come on, man, we just hit themwith the boom bop bing bow.
You know what I mean?
Just making sense.
You can drop a donation, baby.
(23:53):
Drop it like it's hot, but look.
You can drop a donation, baby,drop it like it's hot, but look.
So with this, the consumer issending the arbitration
agreement.
Uncertain information is beingreported and hampering me in
life from receiving properfunding for my business.
It is also keeping me fromreceiving a card of fine work
(24:17):
for my business.
It has had a domino effect ofhardship due to uncertified
information that is not in theleast bit accurate.
So we're saying all thisinformation is uncertified
because, look, now I bring thisin.
So in arbitration you bring upyour own law.
So there's two different lawsyou can bring up and there's one
(24:39):
I did want to talk to you aboutbut GAAP, general Acceptance
Accounting Principles, becauseyou have an account with all
these companies that's reportingback, so you have an account
number, so it follows under thisand all public companies must
follow GAAP when preparing thefinancial documents.
That includes certifiedfinancial statements.
(25:00):
These financial statements mustbe certified when they're
reporting this information, itis not certified.
They send you something in themail.
It's not certified.
So when we send them agreements, at least we certified the mail
.
You know what I mean.
Everything gets certified.
They don't certify theirstatements, so nobody's
considered liable, and that'sthe way why they do it.
(25:23):
When you accept them now you'reconsidered liable, so I'm going
to go throw that out there.
So I don't do nothing.
I do about 10,000 per accountis what I'm asking for when I do
about $10,000 per account.
That's what I'm asking for whenI do this, and the relief that
we're seeking is the arbitrationcosts.
They have to pay for thearbitration costs.
(25:45):
It does cost money, though tofile it at first.
It does.
You get the money back.
It does cost money, but you seethis, yeah, so this was one of
my first ones that I've done and, um, we actually took
experience.
We took the car company andexperience.
(26:05):
We took them both, and when youlook at this letter, so the
incorrect data has resulted insignificant hardships for my
family, leading to the denial ofcredit and subsequent
challenges securing essentialresources for our well-being.
(26:30):
Yes, I'm deeply concerned anddisappointed by the inaccurate
information made available tothe public through my consumer
crediting report.
These inaccuracies havedirectly resulted in the denial
of credit, which has had adomino effect on our ability to
obtain vital resources such as acar from unemployment and a
stable residence.
Consequently, my family hasbeen left with no choice but to
(26:53):
move from place to place,causing substantial stress and
instability in our lives.
The denial of credit directlystemming from the inaccurate
information on my credit reporthas had a profound impact on our
financial stability.
Without reliable transportation, my employment opportunities
have been severely limited,impeding my ability to provide
for my family.
Moreover, the inability tosecure permanent residence is
(27:15):
compounding our difficulties asfinding suitable housing options
has become increasinglychallenging.
Given the gravity of thesituation and immense hardship
we have endured, I am compelledto demand fair compensation and
resolution for the damagesuffered.
I kindly request that youpromptly rectify the
inaccuracies on my credit reportand provide written
confirmation of the correctionsmade.
(27:35):
Considering the stress causedby the denial of credit, I'm
seeking compensation in theamount of $10,000 to address the
financial losses and emotionaldistress experienced by my
family.
This amount is reflective ofthe hardships endured, the
resulting expenses incurred andthe detrimental impact on our
overall quality of life.
I firmly believe in theprinciples of fairness and
(27:56):
accountability, and I trust thatyou will treat this matter with
the seriousness it deserves.
I urge you to initiate thenecessary investigations and
correct actions without delay torectify the inaccuracies on my
credit report.
Failure to address this matterwithin a reasonable time frame
may necessitate legal recoursethrough arbitration or other
(28:19):
available means, as per theapplicable laws.
I respectfully request awritten response within 30 days
from the date of this letteracknowledging the receipt of my
complaint outlining the actionsbeing taken to rectify the
inaccuracies of my credit report.
Additionally, please providedetails regarding the
compensation being offered toremedy the damages caused by
these inaccuracies.
Thank you for your immediateattention to this matter.
(28:41):
I trust that you will handlethis situation diligently,
provide a swift resolution toelevate the hardships faced by
my family.
I eagerly await your promptresponse Now.
I sent this letter the same daythat I send stuff to the
(29:04):
arbitration and I did make myown arbitration agreement for
failure to remove inaccuraciesfor a credit report.
Let me show you something that Ididn't get to show you, because
I've actually seen people usethe UCC codes.
Because you get to bring upyour own law.
You can bring up common law orwhatever, because it's
arbitration right.
I want you to know about theUnijoy principles.
(29:27):
I would use these over commonlaw any day.
So the principles ofinternational commercial
contracts, most referred to asthe Unijoy principles.
So the principles ofinternational commercial
contracts, most referred to asthe Unijoy principles and often
also referred to as PICC.
Picc is a set of 211 rules forinternational contracts.
They have been drawn up since1984 by an international working
(29:50):
group of the IntergovernmentalOrganization, unijoy, and they
were ratified by the council,representing 64 governments and
member states, as soft law.
These principles haveharmonized international
commercial contract law byproviding rules supplementing
international instruments likethe CISG and even national laws,
most importantly in privatepractice, because people don't
(30:12):
know what this word means,because I practice in the
private.
I don't do that public shit.
You know attorneys with barcards, that's public practice.
There's even private practiceattorneys.
But yeah, I do the privatepractice of law.
I'm not a licensed attorney ortax expert.
Okay, they offer a neutralcontractual regimen which the
(30:35):
parties can choose, either byincorporation into their
contracts and hold or impart, orby a straightforward choice of
the unitary principles.
This contract is governed by theunitary principles of
international commercialcontracts.
Now, if you have car insurance,if you've been married before,
you're under the unitaryprinciples and this governs your
life.
This is how they can take yourkids away.
(30:57):
It's through the unidroidprinciples, because they own
your kids through the marriage.
It's how they take your kids.
It's through the marriage, ifyou're married with children.
The unidroid principles werefirst released in 1994 with
enlarged editions.
Da-da-da-da-da.
I'm just letting you know.
This is the law.
The United States has adopted,this US contract law.
(31:23):
But this is private law.
If there's a dispute, here wego.
I wasn't even on the Unijoyshit.
But international commercialcontracts.
I want you to see, look, the UShas been in the United States.
You enjoy shit, butinternational commercial
contracts.
I want you to see, look, the UShas been part of this since
1964.
(31:45):
And this is why you got tounderstand law and royal
families and understanding aboutassets truthfully.
And but yeah, I've used this toget rid of debt too.
So I mean I would.
I would even come in in intothis as unijoy with unijoy if
(32:08):
I'm doing arbitration.
So study, unijoy, you can getthe principles right here.
All it is is a constitution.
These principles set forthrules.
This the preamble.
Article 1 freedom of contract.
(32:30):
The parties are free to enterinto a contract and determine
its content.
Yeah, so you learn this insteadof you should see inconsistent
behavior.
A party cannot actinconsistently with an
understanding that has causedthe other party to have and upon
which his other party,reasonably, has acted to
(32:52):
detriment.
So, look, I can just look at itlike this.
I would do something like this.
Let's see if it works.
You know, I love using AI, Ilove using chat, gpt, so free me
a dispute letter demanding thatthe account be closed and
(33:20):
removed.
Be closed and removed due tofraud.
Due to fraud, because you know,you understand they're doing
securitization without fulldisclosure.
Full disclosure.
(33:47):
I'm going to put and use Unijoyprinciples as backing.
Let's see, let's think and boom.
So they used the f, it it used.
(34:12):
It didn't use.
Look, it did, but it didn't getspecific.
So, yeah, I might have to getup in here because I don't like
how you use the fair creditreporting, that at all.
So I would just come in andcopy and paste it.
I'm showing you game right now.
(34:32):
It might, it might not, itmight not.
Pick up all this.
No, I mean all that might notfit.
No, I mean all that might notfit.
Let me save it Because you canupload this in the chat GPT.
(34:56):
Let me save and see if thatworks and put it in there.
You're good.
You're good, it's thinking.
(35:19):
So I just went through thereand I was just choosing the best
ones, so that's what I did.
So, look, I uploaded it.
Now it's giving me which onesyou dig what I'm saying.
So it says, under article 3.2.5of the Union of Joint Principles
(35:43):
, a party may avoid a contractif induced by fraudulent
misrepresentation ornondisclosure which is contrary
to reasonable commercialstandards of fair dealing.
It has come to my attentionthat my account has been subject
to securitization processesunknown to me and without my
explicit consent or fulldisclosure, thereby constituting
a fundamental breach of suchstandards.
Additionally, article 1.7mandates that each party must
(36:08):
act in good faith and fairdealing during contextual
engagements.
The nondisclosure of criticalsecuritization agreements
suggests the violation of theseduties.
I like this.
I'm posting that in the schoolright now.
I'm posting that in the school.
(36:30):
But you got it.
I'm going to say use this, oh,wow, wow, use Unijoy.
(37:03):
Everybody got to learn whatUnijoy is, though.
First I had got a bank accountclosed, with it, though, because
I was disputing stuff withUnijoy on the bank account.
(37:24):
So with it, though, because Iwas disputing stuff with Unijoy
on the bank account, I just wentyeah, so I got to let people
know that.
Let me put the Unijoy wherethey can look it up.
(37:45):
Unijoy principles Get your life.
I gave you some game, though.
Is that enough for the night oryou need more?
(38:06):
Tell me if you got questions,though you're not the public,
you're my private life, baby.
I'm just glad you're stillpaying that 50 a month in the
school.
Schoolcom slash.
Dot com.
Dot com slash d-o-n-k-i-l-a-l.
(38:30):
Text private life to 702, 200,4900.
Prosperity You're the onebirthright.
Look, you even benefited theschool.
You feel me?
I'm about to drop the template.
Right now I'm not even givingthe template.
They need to copy and paste it.
You know what?
I will give them the template.
(38:51):
Let me give them the template,cause that's easy.
I like that dispute letter.
We gonna try that shit.
Cause, cause I use that already.
So it's like I never thoughtabout using it like that, though
I'm proud of myself on thiscall, using Unidroit to get rid
(39:24):
of debt, but yeah, I done gotrid of a lot of shit with this,
but I just never used it as adispute letter.
I used it on arbitration and Ihad wrote it on some bills by
Unijoint.
You know what I'm saying.
I used it in arbitration, and Ihad wrote it on some bills by
(39:45):
Unidroid.
You know what I'm saying?
Yeah, I was staying in Texas atthis time when I learned about
it.
I was in Texas, dallas, texas.
I'm telling you, it closed downsome shit, dallas, texas.
(40:07):
I'm telling you it closed downsome shit too, though.
So if it's something you wantto keep open, don't use it At
all.
So I ain't never got nothingclosed down using UCC codes, but
(40:29):
I done got rid of some shit.
So, yeah, you want me to go backover the letter now.
You back at the desk.
What you eating?
Cereal?
I want some.
Yo ass got the munchies.
I do.
I'm hungry.
So I'm writing to formallydispute the activity on my
(40:51):
account.
Write the account number andwho it's with Due to fraudulent
activities, includingsecuritization, without full
disclosure.
This conduct violates theprinciple of fair dealing as
described in internationalcommercial regulations,
particularly the Unijoyprinciples.
Under Article 3.2.5 of theUnijoy principles, a party may
avoid a contract if induced byfraudulent misrepresentation or
(41:15):
non-disclosure which is contraryto reasonable commercial
standards of fair dealing.
It has come to my attentionthat my account has been subject
to securitization processesunknown to me, without my
explicit consent or fulldisclosure, thereby constituting
a fundamental breach of suchstandards.
Now you say you understandsecuritization right, because if
(41:39):
they say they're not secure asto hiding these things, that's
fraud on the record like a mofo.
But yeah, I learnedsecuritization through mortgages
.
But every court case, everyaccount, it's getting
securitized.
Under Article 3.2.5 of theUnijoy Principles, a party may
avoid a contract if induced byfraudulent misrepresentation or
(42:01):
nondisclosure which is contraryto reasonable commercial
standards of fair dealing.
It has come to my attentionthat my account has been subject
to securitization processesunknown to me, without my
explicit consent or fulldisclosure, thereby constituting
a fundamental breach of suchstandards.
Additionally, article 1.7mandates that each party must
act in good faith and fairdealing during contractual
(42:25):
engagements.
The nondisclosure of criticalsecuritization agreements
suggests a violation of theseduties, allowing me to seek
avoidance of the contract, theengagement of which was under
fraudulent circumstances.
I hereby demand the immediateclosure of the affirmation
account and the removal of anyrelated information from my
credit report.
(42:45):
These actions are necessary torectify the misleading
representation and undue harmcaused to me as the aggrieved
party.
Furthermore, I request writtenconfirmation of these actions
within 30 days from the day ofthis letter to avoid further
legal action.
I trust this matter will behandled with the urgency and
seriousness it warrants.
Thank you for your promptattention in this serious issue.
(43:07):
I would give them 10 days,though, but whatever, I would
give them 10 days, but that'ssome game, huh.
But I would send that first andthen go through arbitration.
With all these accounts, I'mabout to shut this down.
(43:34):
Peace and love y'all.
Y'all want to tap in.
It takes private life to702-200-4900.
Prosperity is your and of ourbirthright.
Peace and love.
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