What if everything you thought you knew about credit cards… was wrong? 💳
Meet Tommy Kilpatrick, author, CPA-trained financial strategist, and whistleblower on what he calls “bank-issued alleged credit card debt.” His controversial new book challenges the very foundation of how modern bankingand consumer credit work.
Tommy argues that many so-called “credit cards” are actually disguised debit accounts—and that most cardholders may have been unknowingly drawn into a complex system of fees and profit structures designed to benefit banks far morethan customers.
In this eye-opening interview, Tommy explains:
💰 How banks allegedly create “credit” using borrowed funds from retirement accounts
💳 Why your credit card may not actually extend real credit at all
📄 The simple letter that can stop collection efforts and negative reporting
⚖️ How to legally challenge alleged debt through civil injunctions
💡 Why he believes most people can “declare victory” without bankruptcy or settlement companies
Tommy’s insights come from decades in finance, accounting, and advocacy—helping thousands of individuals question the legitimacy of their alleged credit card debt. His mission? To empower consumers with knowledge, transparency, andconfidence to take back control of their financial lives.
⚠️ Disclaimer: The views expressed are Tommy’s interpretations and opinions, not legal or financial advice. Always consult a qualified financial advisor or attorney before making credit or debt decisions.
📘Learn more about Tommy’s work: Forgive and Forget How to Nuke Your Credit Card Debt: Kilpatrick, Tommy: 9798308731283: Amazon.com: Books
#TommyKilpatrick#CreditCardDebt #BankingSecrets #FinancialFreedom #DebtElimination#ConsumerRights #MoneyMyth #FinanceEducation #CreditMyth #DebtRelief
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