Breaking Free from Alleged Debt: Insights with Tommy Kilpatrick

I sit down with author and debt-fighter Tommy Kilpatrick for a wild and eye-opening conversation. Tommy opens up about how a failed business deal left him with $85K in credit card debt, how he took on some of the biggest banks in federal court, and why he believes much of what we call debt is really just “alleged.” He shares his journey from struggle to advocacy, explaining how he now helps others challenge fraudulent practices and reclaim control of their financial future.  You can find all of Tommy's content below:

Amazon Book
Website: diy-debtrelief.com
Email:  tom.yourhelpexpert@gmail.com
FB:  Tommy A. Kilpatrick

*This podcast is for informational and entertainment purposes only. The views expressed by guests are their own and do not constitute financial, legal, or tax advice. Please consult a licensed professional before making financial decisions.* 

Transcript

Intro Song

Tommy Kilpatrick: Okay, honey, I'm gonna start recording.

Rob Valincius: We are live now. I was gonna say how nice it was here, but, uh, you know, I'd imagine for you it's, it's a little bit nicer up, up your way. Uh, but this is the, uh, this is the Drink o'clock podcast. I'm your host, Rob Valincius. I have the pleasure of having with me Tommy Kilpatrick, uh, who's an author and a fighter of credit card debts.

Welcome to the show, man.

Tommy Kilpatrick: Oh, thanks. So.

Rob Valincius: So before we get into the nitty gritty, right, I mean. I'm sure everyone's calling to talk finance. Um, let's take, take me back, right? What, what started, uh, I guess how, you know, how did you grow up? You know, what started this, this gradual fight, uh, to figure out, hey, you know what, um, credit cards are complex, but maybe even the normal man can beat one of the major banks.

So, so bring me up to current day. Start out early on and bring me up. You can go into as little detail or as much detail as you like, man. Keep it, keep it 

Tommy Kilpatrick: Oh, it's, it's quite an entertaining story. I'd say. I was brought up, uh, in a normal, upper middle class, uh, neighborhood in Long Beach, California. My dad was a CPA, a certified public accountant. My mom was a stay-at-home mom. I had two older brothers. One was nine years and seven years older. So when I was, uh, 10, I was, uh, baking cookies and shipping 'em to Vietnam.

So I knew all about what was going on in the Vietnam War, watching television, doing a body count. And I'm going, wait a second. This isn't ing up. We get 200 of us killed and we kill like 20,000 of them every week and just doesn't work out. So I knew they were lying even at that early age. So then, um, uh, on a entrepreneur, yeah, I started about seven, so I needed some money.

So, uh, I baked some cake and made some Kool-Aid and started selling it outta my garage on Saturday. And friends would come over, they didn't have any money, so I'd say, go get me three customers, paying customers that I would, uh, give you a piece of cake or a drink of Kool-Aid. So I had, uh, built already the idea of having people work for me.

And then, uh, 

Rob Valincius: pretty genius for seven.

Tommy Kilpatrick: Yeah, yeah, it was, it was the money. And then you have a dad with the CPA, kind of has that help, helpful influence. So then, uh, about, um, 13, I became a scuba diver. I was, uh, uh, certified. And then at 14 I was in a movie. I was, uh, in the, in the school of the, uh, dive shop and they got a call from a, a, a filmmaker and they needed a couple of extras to go to a Catalina Island to go on a diet.

So he said, Hey, you guys want to go? Sure. So in our eighth grade, uh, science class, we showed a reel of us being underwater with this, uh, other guy didn't mean taking the pictures of us. So I dunno if I've ever made in a movie, but, uh, you know, I, I'm a movie star from my classmates.

Rob Valincius: That's 

Tommy Kilpatrick: then at fifth, yeah, so then at 15 I had saved my money up and I bought my own motorcycle and I had a motorcycle license to drive, but I couldn't drive a car.

So I would drive my motorcycle to high school to learn how to drive a car. So when I

was 15, I was working as a diver. I worked in, uh, in Dana Point all the way down to San Diego, uh, scraping barnacles off the boats and cleaning the water line and changing zincs out and repairing, uh, electronics as damage to the boats. And I was making about 1 65 a week. And my friends at McDonald's were making about 34 a week.

So yeah, so I saved my money up and then I graduated early at 17, uh, graduated in January and. Uh, I had, uh, about two months later, I had my own apartment. I bought a brand new car. I had signed a contract and went into the Mazda dealer and I found that RX seven just, it was beautiful.

It had the rotary engine, a lot of power. I mean, it had two distributors. One would kick in at about 4,000 RPMs. It just with rock, just so then, um, I had a thousand dollars cash. It was about 4,000 or 3000, and I walked in, I dropped the money on a table and their eyes just go, oh, sure, we'll sign you. So I signed up for a contract.

Even I was 17, and then I became an insurance investigator at 17. I lied. I told 'em I was 19. They had my driver's license. They knew I lied, but they hired me anyway. So about six months into it, I had it down pretty good. And then I'm looking at the guys that are 50 years old and I said, do I really wanna do this?

I'm 50. So I said, oh, I'll just go back to school and become a CPA take on my dad's business. Nice and cushy. So then, um, I had influenced by a, a high school counselor to become a, uh, psychologist. So he had taught a psychology class. So I went to City College, um, and took a class there with him and got excited about crazy people. So I had a double major accounting and, uh, abnormal psychology. So I interned at, uh, Napa State Mental Hospital. I worked with autistic children. Uh, these were so far that you couldn't relate to 'em and truly psychotic. So it was a great experience. And then, uh, learned sign language because I was teaching in the, uh, counting room, uh, to tutoring other students that needed help. And a deaf guy came in and he left, lost his hearing at four so he could talk. He couldn't hear me, so I would talk, the interpreter would sign to him, and then he would talk to me. Well, I thought, you know, I'm thinking, well, what if I learn sign language, then I could bypass the interpreter. So that's what I did.

So I went to City College while I was in State College and, uh, took sign language classes and that changed the major to social work. And then went to San Francisco, and I'm not a social worker. That didn't work out. So I had a job as, uh, UPS, uh, the driver for UPS. And then I worked at the railroad. I worked for Santa Fe Railway, and then I went back to commercial diving. I went to, uh, there's a school in Oakland called a school, uh, a school, uh, commercial, what was it called? It's, I had a funny name for it. It's Commercial School of Deep Sea Ripoff. So they, again, it's all a story. They tell you all kinds of stuff. But I graduated, I got training. I went to, uh, Louisiana and I worked offshore.

I was working sometimes 68 miles offshore. Diving and tending. And then the oil glu in 82 came along. And so I went back to California. I worked on tankers and super tankers. I drove a hydraulic sweeper that took the barnacles off. And um,

then I became a manicurist. So I went

from 

Rob Valincius: got quite the resume, man. I'd love to see how long this goes.

Tommy Kilpatrick: I'm giving you a shortened version of it. So then, uh, I met my wife in a, uh, nail shop and she says, A manicur is, you know, that's a little flaky job. So I said, well, what if I own a business now? What do I do? So I started teaching reflexology and I wrote a book. And, um, then, uh, about 2004, I was given an infomercial contract. So things were going great. They promised me, uh, a hundred thousand dollars a month. I had a 13 page contract, especially with my farm law, being an attorney and a judge. We had a ironclad contract, and so they needed to be test marketed for about six months. I was, uh, booked on radio stations all across the country and kind like this.

I'm up in the morning, I'm up late night in the middle of the night. I had to be available, so I lived off my three credit cards and I racked up about 85,000. But hey, if I'm paid a hundred thousand, I'll be ahead 15,000. So no worries. But then one of the talents, I won't mention his name, but he's a famous guy who wrote a book, but he lied about the weight loss.

And so the FTC and the government came down hard on him and the company. And so I, my contract was canceled and there's nothing much I could do. I could sue them, but sue a company that might be outta business. So, um, I was left with $85,000 of credit card debt.

Rob Valincius: Wow, 

Tommy Kilpatrick: Talk about the depression. So. Uh, you want me to continue?

Very briefly. It's just that then, um, I re I woke up one morning realizing my, uh, my, from my dad being a CPA. Actually I have the IRS as part of my DNA. So I figured out they don't have an invoice, so the bank has no debt. And I remember from reading our banking book that we had in class, it was called Modern Money Mechanics. And in there it says you have to sign a promissory note before the bank can issue a loan. So I never signed a promissory note. And then with discussions with my father-in-law, we have figured out that fraud undoes all contracts. So if you use the card, you terms the conditions are null and void because of they are fraud. So I sued them in, uh, federal court by myself. I sued three banks in Los Angeles federal court. And so things were going along great. Things were going along great there. I thought that was, uh, the mayor deposition was coming up. The bank was gonna have to send somebody to my office so they could answer all my questions and bring evidence of what they had about a loan or a, a debt. And all of a sudden I got called into court and my father said, that's unusual. Federal judges don't call me. And not the other side. The, the banks were even there. He said, Mr. Kapa, do you have a credit card? Well, lemme start at the beginning. We'll start at the beginning a little later. How would you have a credit card? Oh, well, let's start off with off as a gift card. A gift card. Pull your card out. I told, said, what's it say? Write that credit card. You're an idiot. Get outta here. So he dismissed all three cases. So she, now I'm gonna ensu, how do I pay this all back? So then about a month later, I looked at my credit report and all three banks were off my credit report.

And I never got a 10 99 C Um, lemme just briefly explain what that is. If you borrow a hundred thousand dollars from a bank and you don't pay 'em back, they notify the IRS not to be dickhead and stuff like that. But what they're trying to do is do a tax deduction. So they never sent me a 10 99, but I said, if you do send me a 10 99, I'm gonna file a 39 49 A, which is an IRS form about fraud.

So they would be then notified by to the IRS that they're committing bank, uh, tax fraud. So they didn't want any part of me, so they, uh, just took it off my credit card, my credit score increased and proved. So

then you can ask me, do I have a, do I have a credit card? Yes, I have a credit card. What you say?

Well, you see, I was about 13 years ago, the wife said, get out. Take the dog with you. That was the best thing that ever happened to me. So I became homeless and on purpose and a vow of poverty for 10 years. So I had no record at all. So I came off the farm a couple years ago. I needed to, I was going to the Philippines, so I needed to buy an airline ticket.

You have to do that with a credit card. And I had to rent a card. With a credit card. So I applied to Capital One and they gave me, that's the important word. They gave me a $500 credit card. But how do you give it to somebody who has no score and no history? Well, I was a previous customer. Oh, okay. Well that was one of the banks I sued for 35,000.

So what I do is I help people get, not get out of debt, but to stop this, uh, crime that's been happening to 'em. I'm a victim rights advocate, so I advocate for you by being a victim. And so we get that off your credit report and then we turn right around and you can apply again this time, you know what the story is.

So that's kinda like a quick nutshell and I'm sitting back, wait for some questions.

Rob Valincius: All right. All right. So yeah, let, let, let's go back. So infomercial deal collapses, right? You're left with a chunk of debt, and I'll tell you, I, I got, I don't have 85,000 in debt and I don't have 50, but I got a decent amount. But I also used, you know, I used cards to like, you know, put a fence or, you know, like bigger purchases type of stuff, you know?

Uh, but deal collapses. How did that moment change your outlook on money in banks once you were left with the whole bag?

Tommy Kilpatrick: he kept the whole world against you. And like what, who, there's nobody to help me. Um, I saw one guy on YouTube say how easy it was to file a federal lawsuit, and the judges are so accommodated and helpful because they know you're not an attorney. I didn't find that to be true. So, uh, it's. It was to you, you feel completely alone.

There's no one there to help you. There's no one advocate. And well, lemme just ask you a question. Is it possible that you, your audience and Me Too have been lied to, indoctrinated and brainwashed? Is it possible?

Rob Valincius: I talk about this, about this on my show all the time. The, the, the number one place you shouldn't, or, or entity you shouldn't trust is the government.

Tommy Kilpatrick: So

is it 

Rob Valincius: all of the things that have gone through, right? I mean, MK Ultra, I mean, it's just, there's only, there's, which is, you know, people. Conspiracy theorists, right? They got this bad rap for a long time, but many of them were very right. You know, you see these documents come out, you're like, holy shit, those guys were right.

They weren't crazy. And who, who knows what else 

Tommy Kilpatrick: Told he just. It was a CIA that came up with the conspiracy theory. They had to figure out what can we say to disprove these people? And they came up with the, uh, whole idea of conspiracy theory. So Oh yeah. It, it's, it's a theory until it's true and a lot of things are true, so.

Rob Valincius: So you took on three banks in federal court 

Tommy Kilpatrick: Mm-hmm. 

Rob Valincius: representing yourself, you know, what 

Tommy Kilpatrick: Yeah. 

Rob Valincius: what is that experience like? Like, you know, uh, you know, how did you stand up? To, you know, I mean, capital One is one of the biggest banks in the world, right? So how, how do you stand up to banks like that? And then they eventually give you another card, which is just, it is just crazy.

Tommy Kilpatrick: Well, it kind of goes back to when you asked about my history. And so I was riding my bicycle home from school as probably let's say in about, uh, seventh grade, and I had some bully. Near my house

stopped me and we were chitchatting. They came behind me and started choking me. And so I go to my friend, go get my mom, you know, who else are you gonna get?

Go get?

my mom. He's just, I petrified. He just seen my head turning blue and stuff like that. So I reached back and I grabbed this guy with the string. I don't know where I got, and I flipped him over and threw him down on the ground. Didn't kick him, didn't fight him, but I threw him down. He was just so startled, he never bothered me again. So I learned from that experience that when you have a bully, you stand up to the bully. So what I taught my son was you are the one to stand between the strongest of the strong and the weakest of the weakest. That's your job is to defend people like that. So again, when I see the banks, they're all, they were liars.

I mean, I have come across, they will have a notary that's dead notarizing documents for the bank. I've seen it. They have people inside the bank that are dead, that are been signed documents. So these people are so criminal. Um. Years ago, there was a, a lady named Linda, uh, Linda something, and she was, was tbi. TBI is now in the, in the news because he is a reporter that's talking all about things about what's going on in Washington. So I've actually talked to

TBI about this whole credit card thing years ago. And, uh, so Linda was a whistleblower and she was explaining why the banks were doing all this crimes and she wouldn't be part of it anymore.

And so she got fired. And so, uh, so she was in the news. So I've actually talked to a, a famous reporter about this whole credit card debt thing, and it's, it's a fraud. So once you stand up to 'em,

they, they, they, they fall away.

Rob Valincius: well, I mean, it's like, look, money's power, right? And I think you give when you, when you have these major banks. They have a lot of power. Um, and I, I read a lot of books, right. I'm, I'm big into, um, I, I guess as I've aged, I, I've, I still like my, my fiction, you know, I listen to a lot of sci-fi and stuff, but I have gotten more into like nonfiction, right?

Real stuff. Um, especially centered around World War II with Hitler and the Nazis and kind of where we stood in that. And, um, you know, there was some interesting things that I've kind of absorbed along the way, and it's, it's funny that, you know, a lot of the banks, um, you know, as they started to become, you know, uh, what's the word I'm looking for?

Uh, uh, not solvent, but as they started to actually realize, oh, we can make money loaning people money. Uh, their biggest, the biggest way they made money was loaning money to countries. Having countries in debt to them. So we have a whole country in debt to you. I mean, just imagine the sheer amount of power.

I mean, that's gotta just, it takes them like out of the realm. I think, uh, the scope of what a normal person could, could understand.

Tommy Kilpatrick: Let me share you something. Uh, on YouTube, there's a movie called The House of Rothchild. It's, uh, was produced in 1934, and it's a very positive viewpoint towards the Rothchilds. And in the sixties we had a book called The Rich and the Super Rich, and I read that when it talked all about how the rothchilds are way unbelievably wealthy and rich.

That's, they're super rich. There's only one family that's that rich. And so they, they got that by being of, uh, Goldsmiths. And that's what Rothchild means, this red shield. So they had a red shield on their goldsmith. And so you think about it,

you've got gold, and you go to Goldsmith, they say, yeah, it's worth about this much money.

Do you want deposit it? Well, sure, I'll deposit it. And you get a receipt. Now you take that receipt and let's say you buy a ship. If you could, you know, if you had enough gold, you'd buy a ship and they take the piece of paper and they get the gold. That's perfect. Now, what if you don't have enough and you give Rothchild a a, uh, if you sum your gold, you found or confiscated or stole from somebody, and you got a receipt and you go on that ship and that ship sinks well, who's got the gold? The rothchilds. So over a period of time, they get more and more accumulating the gold without really, you know, through interest and stuff. But through their own practice, they're able to absorb other people's gold. And so they loaned money gold to France, to fight England. Then they sold, then they rent, then they, uh, loaned money out to England to fight France. So the Bo bottle of Waterloo came along, and what happened is that England won. So Ev Rothschild has a spy, got through the checkpoints, got to him that night. And so the next morning he sold British Farms. Okay. It's like the movie Trading Places. Sell, sell, sell. And they drove the price

all the way down.

They waited to the bottom and they bought all these British bonds because other people are going, he knows that France won. Oh my gosh, I better sell my French bonds and I better buy English bonds. So he was doing the opposite. He was unloading all of his French bonds at higher and higher prices be stuck with these people.

It'd be worthless. And then he was buying all the British bonds, dirt cheap. And so Ink went to the rothchilds and said, I need money. And they said 34% interest rate and went, I'm not paying you 34%. So that's when he created the greenbacks. And then, um, Frank Benjamin Franklin was asked when he was in France.

So how are you guys so successful? Well, we have a script and we wouldn't monitor the amount. We just don't hand script out and give it away. So we use that as an medium exchange and it's not interest bearing. So all you gotta do is go to Wikipedia and look up the Federal Reserve, and you got about page six and it takes you a while to go through all the pages, but you'll finally get there.

And instead, we rent our Federal Reserve knows at 6% interest rate. So when a rich guy slices a cigar with a hundred dollars bill, we are paying 6% forever on that burnt. So that's why the Treasury Department has that whole division of taking in people's money and seeing if it's burned, and they will say, oh, that's 85%, 50%, 25%. And so if it's less than a hundred, we're paying the Rothchilds because the Federal Reserve was created in 1913, and we know the story about that and probably illegally uh, passed, but they didn't have much power. Like you were talking about the power. So I believe that the Federal Reserve caused the depression, and it's well known that they did raise the interest rates, but nobody talks about the next. The next step was that banks went out of business or banks were soared. So that made the Federal Reserve in tremendous amount of power. All you do is type up 1776 to present inflation rates, and you'll see it flat line and then 33 shoot straight up. And that is my whole point about this credit card. A bank issued alleged credit card debt is nothing but phony. So that is when they had the fractional banking system. So before, that's why the prices were flat. You took money outta someone's pocket and then gave to someone else. So that money never increased. But when the Federal Reserve had enough power and control over the money, that's when they accept a promissory note.

So you promise to pay them in Federal reserve notes, and they then write numbers in your free checking account. They can write any number they want. You're gonna say, oh, the fractional bank said 90%, 10%, they got help from reserve. Not anymore. It, it's, it's totally wide open. They can do anything they want.

So that's what the banks are doing. They're not loaning me money on the credit card. It's actually a gift card. So a little bit of a story.

Rob Valincius: Yeah. I mean, no, you're right. And it's funny, uh, that you mentioned that, 'cause I, I just did some research about the Rothchilds. I never saw that movie from the thirties, but I did some research and, uh, because I'm like, where did they start? And it, I think it's wild. I forget what their original name was. Um, but they changed it to Rothchild because of the Red Shield.

They had the Red Shield sign that everyone would see. And so when they decided to, I guess they were expanding their empire, they literally changed their name to Rothchild. Um, and when you were talking about 1913 with the, uh, you know, the federal trade, you know Right. The um,

Tommy Kilpatrick: Federal Reserve.

Rob Valincius: thing about that, yeah.

The, the, um, the reserve. Everybody that, that, uh, opposed that reserve. A lot of them died on the Titanic,

Tommy Kilpatrick: Oh,

Rob Valincius: I think it was, was it the o was it the, uh, owner of Chase at the time died on the Titanic,

Tommy Kilpatrick: Uh, I'm trying to think of his name. There was the famous guy that died on that. On that ship? Yeah.

Rob Valincius: but a lot of them that, and it just so happens that some of the, the players, the people that did want to have that created, got off. Like, I, I forget what family it was, got off. The day before or like hours before they decided to not go. It's like, come on, man. Like, something there, like, just someone had to be like, I don't, I'm not saying they were paid.

'cause like, I mean, you're basically killing yourself, especially if like that you're the captain. But, so something had to be greased there. Um, because apparently there's a lot of stuff like coming out now saying they definitely could have totally avoided it. Like it was a very avoidable thing. And there's a, there's a very much, there's a big conspiracy on, uh, the people that wanted to start the, uh, the reserve, uh, decided to not go, but the pe there was a lot of people on there that opposed and didn't want to have that.

And a lot of them died, which was the opposition. And then it came into play.

Tommy Kilpatrick: We have that history of the Morrow building there in Oklahoma City that they were, some people were warned not to take their children to the daycare that day, so they didn't, their children are alive, but other people died and that building doesn't look like it blew that way. And then you have nine 11, and there's a lot of things about that. Silverstein, why was he wanting to buy it? And all of a sudden he got $5 billion out his whole deal. So going back to World War ii, I dunno if you know this, but standard Oil sold diesel fuel to the Nazis throughout the entire war. And so not a single submarine would've traveled, not a tank would've moved. They, uh, and that was brought out in 19 45, 46, when the Congress was actually holding hearings, documenting that standard oil sold oil to the Nazis. We also sold, um, triethyl lead, which was a component, uh, important component for aviation fuel. So we didn't do that, not a single loof off a plane, but a foam. We also sold them ball bearings throughout the entire war. The workers had heard and found out that these ball bearings were going to the Nazis. They put up a, a whole, uh, strike and fed, uh, Franklin. Donor Roosevelt sent down one of attention and convinced them that they weren't doing it. So they went back to work to make ball bearings.

They're still shipping 'em over to, so without a ball bearing, nothing mechanical would move. Then they set up the BIS, the Bank of International settlements to pay for all this. So yeah, there's a whole connection of bringing the Nazis into America. So you know, operation Paperclips. So yeah, we were dealing with

very evil forces.

Rob Valincius: Yeah. I mean, and, and I, you know, I've, I've talked about this a couple times, but you know, it's the same thing with, you know, and let me ask your thoughts on this. Um, schools education, most education is so outdated and archaic. Um, because at the end of the day, they're just basically educating you to be a, a worker.

Right. There's no, um, I mean, unless you're going to college and you're taking specific courses, there's no course to teach you how to manage money. Um, you know, and, and I have this battle with people. I'm, I'm not saying, you know, being indebted in school loans and, you know, you're not at fault for that. But what I will say is people my age, right?

I'll be, I'm, I'm, I'm gonna be 40 in July, next July, so I gotta, I, I still have my thirties left. Um, but. Though, like when we were going to, to high school, I was at nine, ninth grade, 10th grade, 11th grade, 12th grade. Heavily told You need to go to college. If you don't go to college, you're not gonna be anything.

You need to go to a good university. Not a shit like now it's cool. Yeah, yeah. Just go to community college, man. You're cool. When I was gonna school, it wasn't that way. Right. I still went to community college, but, um, you know, I went, I did a couple different things and I, I have a decent amount of student loans and I don't even fucking go.

I don't even work. For what I have student loans for, by the way. But there's a lot of people that have a ton of stuff, and it's like they're saying, well, you know, it's your fault. You shouldn't have took those loans. But they were very predatory. It's not like it is now. They're still predatory in my opinion.

But when we were in school, and maybe you can attest this, it was like tenfold predatory. Um, you know, I, I, I, I, I literally will say this to everybody. I literally had PNC bank, who's my bank, call me and say, Hey, Mr. Valincius, we see that you're getting student loans. Um, would you like more, like for books for like, they literally called me to ask me if I want more money.

I was 21. Absolutely. I didn't need it. They gave me an extra couple grand. Know what I did. I fucking blew it, you know? And I'm like, fuck these guys. I'm, I'm not gonna pay this back. I didn't, you know, when you're, when you're a kid, right? And I consider anyone in under 30 a kid, even sometimes into your thirties, you're a kid, but under, under 30, you're still somewhat of a kid, right?

You, you're, you still don't know what's going on at 20, it's, it was fucking ridiculous what they did to us. And I will stand on this till my grave. I think it's bullshit. Um, and we're never, I'm, I'm gonna be paying that till the day I'm dead and I don't like to talk politics on the, on the pod, but the recent regulations and shit, I'm big time screwed.

So I might need to get a second job in order to pay my fucking student loans, which Yeah. Kind of is what it is. You know, I'm just, I'm just rolling with the punches at this point.

Tommy Kilpatrick: Well, I might have a solution for you, we'll talk later about that, but you have covered so much. I don't know if I can keep my thoughts going. So we go back to education and Yes. Uh, Henry Ford said that the primary reason for education 'cause educate a compliant worker. So you want to teach 'em enough so they can do the job, but not enough.

So they know they're in a matrix. They don't, they know they're not being screwed. So

it just, uh, the education when I was growing up was in the fifties, sixties, so it was that transition. My brother was caught in that, uh, new math and that's when Sputnik went up. And I remember as a kid being brought out, looking up into the sky, seeing something go over, and they said that Sputnik and we're all gonna die. And then the bomb shelters, everybody was building bomb shelters in their front yard, backyard. And I actually, some friends had one and I, we'd go down later on. It's all full of mold, you know? So

crazy things or just that scare tactic. And then

you get back to what you saying about education, and that's a big scam.

And there's a guy on YouTube called Myron Golden, and he has a video on this. It's easier now to become wealthy in any of the time. So when you're telling kids to go to school to get a job that's 1750 thinking. See there was a, uh, an agricultural revolution. So if you had land, you were rich. If you didn't, you were poor.

Real simple. 1750 came along with the industrial revolution and people became wealthier faster and being an industrialist than being an agriculturalist. Then in the fifties, we had all these products, and so how do you, um, how do you stop all the, how do you sell all these products? And you had to have a new way of a superstore and, you know, a multi-level marketing, direct marketing and all these different things, door to door salespeople. And then in the seventies you had the computer revolution, and then you had the information revolution that created this, uh, platform for us to speak on.

And then in the 15, 20 15, we had the infotainment. So now anyone can write a book, anyone can do a video. So I've actually come up with the next one, which I think is a free revolution, but we'll talk about that a second.

But that's what they did, is to convinced you, because you think about it, these, uh, people in politics go back into these border regents and there's a switch back and forth of between, uh, business and, uh, the, uh, universities and the top board people. So there's a scam going on. They're overselling this whole thing of education.

That's what they did. A big push. You are nothing unless you are a college graduate. So it's, and then most people are not doing it. 'cause you go to school, you're already out of a touch of what's reality and what is, uh, sellable. So how many people actually do their job, they're into. So it's only, uh, there's seven different learning modalities and school's only really good for two.

So people that can memorize and regurgitate stuff, they do very well in school, but not to the guy who take a, an engine apart and put it back together because they see it, it, it's visual. So that's, uh, and, and then. The whole thing of about the debt. And so you're a debt slave and now you're a debt slave to the government.

So they can say, if you don't pay, you're not gonna get your social security check. I mean, they, like in China, they can do all kinds of things if you don't conform. So that's where it's leading. Julie,

Rob Valincius: Yeah, I mean, you can't even claim bankruptcy and to get rid of student loan debt, 

Tommy Kilpatrick: we, 

Rob Valincius: um, which is just, 

Tommy Kilpatrick: we used to, yeah, we used to say there's three, two things that, you know, there's death and taxes. No, there's three death taxes and student loans you can't get out of them.

Rob Valincius: Yeah. And

Tommy Kilpatrick: back, to my, well, back to my chart about the

inflation. Why would there be inflation? Well, that's because you create more dollars than there is goods and services.

But K Bono, that's Latin for who benefits. If you know there's gonna be inflation and your employees work at the Federal Reserve being a top people and your employees work in Congress and the presidency, then you know that these people are gonna do what you want 'em to do. So inflation, so what you do is you borrow now and then you pay it back later in cheaper dollars. So if you buy land now and you know inflation's gonna go on, then you know it's gonna be sold for higher. So you're gonna be making money. So if you're in on the inside, you actually are gonna be making money.

Rob Valincius: Like a Nancy Pelosi.

Tommy Kilpatrick: Insider

Rob Valincius: Who, who, yeah. What does she have? Uh, her, her, um, her salary's like 200 grand a year, but somehow she's worth like 50 mil or 200 mil. I don't know. It's something ridiculous.

Tommy Kilpatrick: Did you know there's an app that actually follows her trades so you can trade when she trades. And they've got like, I don't know, millions of dollars of people put in following her. So if they, if they follow her, you're gonna be making money. So again,

Rob Valincius: And the funny thing about that 

Tommy Kilpatrick: against inside our trading?

And it's been inside our trading for the longest time.

Rob Valincius: big time, and the funny thing about her trades is, um, she's required by law to show her trades, right? But it's always, I think it's a week or two Like it, like she does, she files for it and it's done. And then you find out two weeks later. But a lot of people still make, I've seen people with portfolios that are up 65% because they followed her trades.

Even though it's late to the game, people are still just making a ton of money. And, and look, I, I think, um, I do think you're right. I think we're at an, at an age where, look, I mean, you have chat GBT that's, that you can use for free. You like, you don't have to pay the $20 a month, but if you do. Pay the 20 bucks a month.

Um, I had it literally create a buy sell trade bot for, for stocks just to see. And I mean, it took me, it took me an hour for it to code and, and like chat. GT five is insane. Like it is next level crazy. Um, four was good, but like if you told it to do something, it would do it. And sometimes it would be off or it didn't work or it didn't look good, whatever.

I just ma I had put one sentence and this thing had a whole thing coded out. All I needed was Python and I needed, I needed to know my major was in it. So I have an associate's degree. It's nothing crazy, but I'm a tech guy. I've always been a tech guy. So all I need to know is have, is how to install Python and run CMD on my computer.

And I have a bot now that will tell me, I'll put in the stock or I'll, I, I even asked it to do crypto. I can put in. Ethereum, apple, whatever, and it'll tell me, Hey, we think you should long at this point and put a stop-loss. At this point, there's no reason for people to not be able to make money because you have tools.

I think this is the age. At some point you're gonna start to see people like me, like you, like just normal people making money, and, and I, there's gonna be a revolution because the government and those people, they're not gonna fucking like it. Look what happened with the GameStop guy. You know, they took him to court.

Tommy Kilpatrick: Yep. And, and that's, that's back to the point of Myron Golden is we're in a new age. So there's a kid who didn't even graduate high school, maybe he came from a wealthy family, he had a good phone, and let's say he. Went to pick a place, Israel, it doesn't matter. And he lands in Israel, walks up to Pima, interviews them on the street with his phone.

He's making a million dollars a month. He's not a, he's not a journalist. He didn't go to school, didn't even finish high school. And yet he's making it. So the opportunities are there for us. And I've actually figured out ways that you can actually become very wealthy by getting free food away and to give, uh, become wealthy by getting free housing away. So I'm here in the Philippines because it was just too difficult in America to do this. It was just the amount of investment would to make this happen. I had nothing but resistance. So here in the Philippines is a lot looser and so I can do things here. I'm gonna test it here and prove that it works, and I'm gonna come back to America and prove that this can be done. Making $5,000 a day, feeding 400 people with free food, this is really amazing. But that's another story. 

Rob Valincius: Yeah, I mean, look, I, it's there, right? Like you, you, you fought the banks, you, you technically won. So let's, let's get into that. So although the cases were thrown out, things were tossed off of your credit report. Tell me like, how does that work? How does it just disappear from your credit card? Are you still indebted to those companies or are you not?

How does someone like me, how does someone with credit card debt now, how can they take advantage of, of what you're trying to offer?

Tommy Kilpatrick: Law is language and language is law. So if you say you have credit card debt, you've got it. There's nothing I can do. You go into court, they say, do you have debt? You say, yes, I do. You have a credit card? Yes, I do. You're sunk. But if you use the criminal's language, that's why you won't have, well, you won't win the argument. So we have to start with the truth. don't believe anything I have to say in the show notes, there's the, uh, links. So look at the three links there and see if I'm talking about this true. The other one is don't believe me. I'm a doubting Thomas. So send this podcast to your CPA or anyone who's had one class of accounting and they'll tell you, I'm a hundred percent correct. I don't help anyone unless they have a third party. Tell them I'm right and I'm happy to talk to your attorney. How many scammers wanna talk to your attorney and bring family in? I want as many people on the phone call as possible. 'cause all we do to take 'em through the truth and they're gonna go, yeah, the guy's, right? So what we do is that when, uh, when we watch a, a tv, uh, news, when we see a bank robbery in progress, we always say, alleged, that's all I want you to do. So we've been lied to indoctrinated and brainwashed. And that's if you don't question, if you use the word alleged Now, uh, what can I do about my credit?

Alleged credit card debt. And that's what you wanna say is allege credit card debt. But there is true credit card debt. Okay, let me tell you about that. You want tires for your car. You go into a tire store and you don't have the money. Oh, excuse me. So what they'll say is, Rob, why don't you apply for the in store credit card? And if you're approved, you are great. So you drive away with their tires, they did a service on those tires and put 'em on your car. You didn't pay for it. Right? At the end of the month, you get a statement. That's true. They have an outstanding unpaid invoice, which is true. You owe the money. You owe the money.

It's not a get outta debt scheme. Okay? So that is a true debt. Now, how do you know the difference between a true one and a false one's? Look on the back of Walmart. Uh, let's see. Um, Amazon, any department store, and if it says issued by Bank of America, Citibank, Wells Fargo, bank of London, bank of Tokyo, bank of India, it's a scam.

These are a crime. These people are committing bank fraud on you. So by knowing the the language, that's what we do. So a true credit card, you have to pay, but the bank does not have an invoice. So if you ask them for an invoice, they can't produce one. That means there's no debt. So you kind of think about it.

Years ago you went to a merchant, like the store, general store said, Hey Charlie, I need five pounds of flour and a pound of sugar. Oh sure. When the crops come in, pay me. And he had an invoice. You owe that money. But you don't go to Charlie and say, Hey Charlie, can I borrow $10,000? No, we're not in a loan business.

You go to the bank. So we have to start with, it's impossible for a bank to issue a credit card. 'cause they didn't put tires on your car and they didn't sell you flour and sugar. They're not in that business. They're in a loan business. Okay. So we had to differentiate that. Now, once you know that they didn't, they don't have an invoice, they don't have a debt.

Now you're saying, oh, there's a loan. Okay, so let me ask you a question, Rob. If you go into a bank and apply for a loan and they turn you down, do you still get the loan?

Rob Valincius: Nope.

Tommy Kilpatrick: No, we don't get the loan. They denied you. But if you are approved, 'cause that's what an application means, it's a request. So if you apply and they accept you, you go and you fill out loan documents.

Remember all that? All the loan

documents, then they have to prove there's an income. Because how are you gonna pay the loan back if you don't have an income? Now think about this. The banks brought in a court and the judge says they're loaning money to people who don't even have an income. That's predatory, like you were saying.

Yes, the banks are predatory. How are they giving money to kids who 17 years old, a hundred, 200, a million dollars and they have no history, they have no ability to pay it back. What's going on here? And that's predatory like you said. So you also have to have collateral like a house, a car, or if you do a personal loan, you put up your yacht.

So this does not get you out of of debt of a house or a car loan or something. You put up and you sign a promissory note. 'cause then you have to have a credit report and your credit score determines your interest rate. And the last thing you sign is they promise to pay it back. You have to promise.

'cause that's how they write numbers into your free checking account. And that's why we're suffering inflation. So the whole system is set up against us. So that's a true credit card is from a merchant. And if it's a loan, you went and you did all that work. But if there's no promise to pay it back, that's not a loan.

Rob Valincius: So talk to me about your, your book, right? Um, when did you decide to write your book, um, and what was your, what was your process to go along with that?

Tommy Kilpatrick: Sure. Um, after I had gotten, uh, kicked out of court but then removed out my credit report, I knew I had something. And so a friend of mine had a charity called Lighthouse of Hope. It was dormant. She didn't do anything with it, and so she gave it to me. So I revamped it into credit repair. So it was easy to do.

You send a letter to the credit card agencies and they take it off. I have all kinds of documentation, how simple and easy it was. Just keep the pressure up and they'd eventually take 'em all off. So I got people and I knew how to raise people's credit score, but some of them would have this bank issued alleged credit card debt.

See, you gotta start saying those words. So I would write a letter to the bank and sure enough it would be off the credit report. So then what happened is I was going on pretty well. Then about 13 years ago, the wife said, get out and take the dog with you. So I became homeless and then, uh, and I took a vow of poverty. So when I came off the farm, I, uh, decided, decided to come here to the Philippines. So I, here at the Philippines, I'm teaching farmers how to build dome houses with bamboo, and I'm also teaching 'em how to do vertical gardening. They can get a lot more food out of an area vertically than they are bending over like we've done 10,000 years ago. And also, I'm setting up a self-managed medical clear clinics. So that's why I had, I had five of those when I was in Southern California before the wife said, get out. I left everything behind. I took vow poverty. It was great. So what I'm here for, it needs to have a little bit capital. So that's why I wrote the book to help other people.

But basically I'm a victim rights advocate, so that's what I can do is, well, let me just kinda explain what happens. Banks advertise, okay. And years ago they would buy. Wall clocks and toasters and leave them in this bank. And you'd walk in, they'd say, Hey, if you open an account today, we'll give you this toaster.

Wow, it was a big deal back in the fifties, the sixties. Have a toaster, a second one, you know,

so then what they'd had in the newspaper article, newspaper ad, it said, come into our bank and deposit $25 and we'll match it in 90 days. Or what I do, I took my 25, put it into my savings account, waited 91 days, went into the bank, took out my 25, the bank's $25, and they happily gave me that $50.

And I closed the account. Now lemme ask you a question, Rob. Did I rip off the bank

Rob Valincius: No,

Tommy Kilpatrick: I steal from the bank?

They gave it 

Rob Valincius: followed their rules.

Tommy Kilpatrick: let, I followed the rules. Does that immoral what I did?

Rob Valincius: No, absolutely not.

Tommy Kilpatrick: No, it's not. I moral, it's, it's their game. I played it and I took their advantage. So I, there's a guy in the links, there's a fourth link is a guy on YouTube that says, do that.

And I've made $361. He's proud of himself on making 360 1. It's the same thing with your $500 alleged credit card from Capital One. It's a gift card. You didn't buy it. If you don't own it, you didn't borrow it. 'cause there's no loan. And so it's a gift. So a gift card comes in mail you didn't even apply.

They just sent these cards out. Remember that You're pre-approved. You got a credit card. Great. So you say credit card, you're doomed. They gave you a gift card and that's the important word they gave you. So they gave you the, so Rob, what do you need right now that's worth about 500 bucks? Just to draw an example, what would be something you'd like to buy for 500 bucks?

Rob Valincius: I like a new tv. That'd be cool.

Tommy Kilpatrick: What's that?

What's that? 

Rob Valincius: I'd take a new tv.

Tommy Kilpatrick: A new tv. Perfect. So you go into the store and you buy this TV and you are walking out and the guy at the door says, wait a second, Rob. I didn't see $500 come out. And you say, I have a receipt. So you did pay that store $500, but somebody did, they wouldn't let you walk out in the $500 tv. So who paid that store that night or the next day?

Rob Valincius: The bank.

Tommy Kilpatrick: The bank. So where'd the bank get the money from? Their advertising budget. So the reason why they want you as a customer is type this up yourself. I this two months ago, how much does the average person pay on their credit card fees? And it come to be $23 and 4 cents. So the bank has a million card holders. They're making $23 million a month on just having

people, uh, on a, on a free checking account. So they're charging people $23 on average, and I figured out to be one fourth of their profit. So this is not a debt. So what they did is they fronted you $500. 'cause they know in 22 or 23 months, on average of $23 and 4 cents, they're gonna make $500 back. And then you're paying them for the rest of your life. Okay? So you're a good person, you've been lied to, the family has told you this is a credit card. And if you don't pay it, you get sued. The whole system's set up. All the attorneys tell you this, all the judges know this, the whole system's. And if you believe it, you're brainwashed.

I can't help you. But if you say allege, ah, now we put the burden on the bank to prove that and they don't. So what do we do? You, you get a statement at the end. You wrote a check out from your, let's say, bank of Pennsylvania and you wrote that check to Bank of America. Isn't that the first time the Bank of America has ever seen your money? Yeah,

they they sent you a card out of the blue. You got this Bank of America card, and you made a purchase. That tv, you wrote a check out because you thought it was a bill, and you wrote it and sent it to the bank. Well, that's a loan. In the first link, it says, it's a legal website that says you do not make a deposit.

What you're doing is you're loaning money to the bank so that banks are only about loans. So if you go into a bank with no money and you come out with money, it's a loan. If you take money into a bank and leave it there, that's a loan. So every subsequent purchase you've made has been with your own money. You get a statement every month from your normal checking account, that's not a bill. It shows you what your beginning balance was, your deposits, the checks you wrote, debits, other fees, and you have an ending

balance just like your bank issued. Alleged credit card statement is not a bill.

Rob Valincius: Interesting. So what happens, uh, what happens when, uh, the normal guy, like you, fights them? Like, what's, what's, what's your typical reaction from these banks?

Tommy Kilpatrick: Oh, it's very simple. First of all, I am your advocate. So you are a victim of a crime. So we need to have evidence of the crime. And so what you obtain is your credit report. Okay? Simple enough, they give you a free one every year. So you can go online and you have your credit report. Let me look at it. I don't need to see any personal information.

I don't need to see the account number. All I need to know is what is on there and what is recording. So once I see that and what I do, I usually find the co, the my, my client money. Most of my clients never pay anything. They actually obtain money and they don't get outta debt. They've stopped being a crime victim. So what they do is they withdraw the money out of their checking account. Alright? So what we do is we make sure that happens before we send a letter and before we send a complaint. 'cause once you have the evidence, there are five state and federal agencies that I have you, let's say you'll be the, my client would have you file these, uh, police reports.

Basically it's the policing of the banks. So you have five of these entities and we keep copies of that, of the report. Okay? Now we're ready to, for the bank. So everything's all cleared out, ready to go. So we send a letter to the bank, and the bank letter has the CPA that's gonna act as our expert witness that says, first of all, there is no invoice.

If you have an invoice, send it to me and I'll pay it. I agree to pay it a hundred percent if it's valid. And then you did not ever have a loan 'cause you violated federal banking regulations without a promissory note. So there's no promise to pay. Then we have an attorney letter that says fraud undoes all contracts.

So even though you claim using the card, you have to fulfill their terms and conditions that is thrown out. Because you're a criminal. We, you, you cannot use the courts to enforce your crime against us. And then what we do is we have a lawsuit like the one I filed in federal court, but it's not filed. Okay? It shows the bank, we know the crimes they committed and all what's gonna happen if they do. And we have all of our discovery. So they see the demand for production documents, the interrogatories, which are questions and admissions, and then we have a deposition date. The thing they don't want is a deposition.

They don't want anyone in the bank to swear under penalty of perjury that they have a document of debt. They don't, so they're not about that. And the last thing is an injunction. So we send all of this to the bank. Now injunction, I, people had to, I had to explain a lot, but nowadays we know that Trump does one thing.

What happens? They run into court, they get an injunction and stops,

and that's what we do. We notify the bank. If they sue us, we have the cross complaint, the counter complaint already said, and we're gonna file a, uh, an injunction. If we file against them, we're gonna file this injunction. What that means is retain the judge.

Look, this bank is harassing us, harassing me. My, my client is harassing me, so I want you. JU to stop this and they're saying there's a debt. So what happens is the bank has to send the judge a certified copy of the outstanding unpaid invoice. They have to send a certified copy of the promissory note, and we ask them for an affidavit of debt.

Someone in the bank has to swear that there is a debt and their name is on that, and penalty of perjury can be jail time or a fine. If they don't send that to the judge in 30 days, they're in contempt of court and all stops, they can't do anything. So once the, uh, and we send this all to the registered agent, they're the ones who take in lawsuits, so they get this brick. So their attorney is looking at this going. That's gonna be 40 hours just to start this thing. And at $500 an hour, that's $20,000 click. That's all we're asking for is click it off. But actually now we're asking is to clean the credit, clean the, the report up so that it's a deposit thing, but closed. It's a closed good account.

And that will raise your credit score. So that's how I help people.

Rob Valincius: I mean, that's pretty genius. I mean, I gotta admit, 'cause you think about it, I mean, it's gonna cost them probably more money. I mean, unless you have a million dollars, right? I mean, at that point you're probably, if you have that much, you're probably have money. You know? I mean, so it's, they're not gonna give you a million dollar credit limit.

So, um, that's, that's pretty good. I, I, I like that. That's a good approach. 

Tommy Kilpatrick: See You're still, you're still thinking brainwashed. You've been brainwashed. It's not a loan, it's not a line of

credit. When they lower your credit limit down, there is no credit limit. They have stolen money outta your free checking account. So if you have a $500 credit card back to the language of them and they lower your credit limit down, they have stolen $250 outta your account. So why I'm so successful, even though the people with a million dollars of bank issue alleged credit card debt is, there isn't a debt, there's not $1.3 trillion of credit card debt. It's not. That's what the bank, once you deposit back up to the top, you don't have to deposit money in your free checking account.

Rob Valincius: I, I like it, man. I like it. I, I do, I I've tried to, uh, I've tried to step out of the box as I've, as I've aged. I'm, I'm still set in my ways. A lot of times, actually, I was debt free totally, uh, five or six years ago, and then I said, fuck it. And so I, me and you might need to talk about it. It's your 

Tommy Kilpatrick: There is, there is ways of helping people out. Even if you have a judgment against you, I can still resolve things and make things go away. Now, I had a podcaster, uh, two weeks ago, do a podcast and then he got served on August 1st for a $3,300 Citi Bank credit card debt. Okay. That's what the bank is saying.

I don't say that, but he put his head in the sand. Then once I interviewed, he called me up and we chatted a little bit and he only had a few days left to respond to this lawsuit. So I had him, uh, draft up a motion to extend the time to give him to respond. And judges know you're busy. You have 20 days to respond to a lawsuit, so he'll give you another 30 days.

It's not a big deal. But I had him in there say that he wanted to find legal counsel. 'cause that's what judges want. They're all attorneys, they're all brotherhood. They're all part of the whole scam. So yeah, give money to my brother. Perfect. That's what we want. Or I wanna do some legal research. Okay. And that's what I did.

I went into the law library and that's where I learned a lot about law is the law library is free for people to use. Now, one more thing we added in is that we wanted to file a counter complaint. What these things are automatic, most people never show up to court. And so it's a default judgment, automatic.

Everybody knows it's debt. That's what the brainwashing is. So they're not about. Sustain up a a counter complaint, what could it be? And that's where the fraud comes into play. So the bank is gonna see this because when you file a motion, you also have to send it to the attorney. So the attorney is seeing this, talks to Citibank. And I bet you in a couple of weeks they're just gonna say dismiss. 'cause if we file a, if we file an answer and a counter complaint, then what happens is even if they run away and they don't wanna go on anymore, we continue with our lawsuit. So we could be in a position of power over the bank, but we don't wanna go to court.

That's the whole thing. And we can resolve this very well. 'cause they don't want it in court 'cause they can't prove anything.

Rob Valincius: Wow. I mean, if, could you imagine if everybody did this, the banks would be fucked.

Tommy Kilpatrick: No, we'd be free. We'd be free of this crime. We are crime victims. It's not about getting out of debt. This is only for bank issued alleged credit card. So that's the scam they're doing to us. It doesn't work for your student loans, but there's ways I can help you eliminate these debts. So I offer a free consultation and my book is sick, $9.

I'll give it to you for free. Uh, forget and forget had a nuclear credit card debt. So I'm here to help you and we're gonna see that podcaster maybe another week or so be notified that the suit has been dismissed. That's all he wanted is a suit to dismiss. But we're gonna go a little further and then we will do all of the action.

'cause we want that credit card cleaned up. 'cause when I got my, uh, credit card from Capital One, right, I got it. There it goes. So-called credit card. My score went from zero, nothing to 5 25. So then I went to a credit unit and got a small little loan and I make a monthly payment that's an installment loan, and my score jumped to 6 25. Over the six nine months, I have used my credit card every month. I don't pay any interest. I pay it off and only use 10%. So because of that, my score now is 7 0 5 and I wanted to get it to 800 to prove to you that you can do all this and get another credit card the next minute. 'cause you think about this, people that get a bankruptcy, they get a credit card right away.

They know you can't file a bankruptcy in seven years. No, it's $23 and four. That's on average. So they got to get you as a customer. Anyhow, anyway, someone's going to, oh one podcaster told me he pays $800 for his annual fee. $800 for a free checking account. Well, if you want to, 79% interest rate if you want to, but I teach you how not to do the annual fee and not to pay any penny of the interest and know what's going on. And the risk, the risk you take is they go over your credit limit, which they basically steal money outta your account, but you are one to put the risk up because it improves your credit score. And how do you buy a, a airline ticket and how do you rent a car? So it's certain of the things we have to kind of use it, but if you least you're knowledgeable and know what's going on, you'll be safe.

Rob Valincius: Yeah, it's catch 22. Right. And I think that's how a lot of this stuff plays. But look, it was, uh, I didn't get to any of my questions 'cause this was a, a fun conversation. Um, tell me and my listeners where they can find all of your stuff. Plug yourself away, sir.

Tommy Kilpatrick: Oh sure. Uh, Tommy a Kilpatrick on Facebook. I'm easy to find, and I live in the Philippines, so I got about a 12 hour difference from, uh, east Coast time. So your, uh, morning is my after e evening, so it works out very well. There's that email, contact me that way. And, um, I'm here. So we'll have some fun.

Rob Valincius: Awesome man. Uh, my podcast is Drink Clock Pod on all socials, uh, drink Clock podcast wherever you listen to podcasts. And this'll be up, uh, pretty quickly. And, uh, hey man, great info. Um, hopefully we can get you some, some clients and, uh, hopefully we can get some more people, uh, to, to be, uh, debt free and, uh, from this alleged debt

Tommy Kilpatrick: There you go. Brainwashing.

No more brainwashing. Yeah. Good, good.

Rob Valincius: Well, look, Tom, it was great having you on, man. Have a great night.

Tommy Kilpatrick: Thanks so much. Take care.

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