A Declaration of Debt Intelligence

"We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness." ~ The U.S. Declaration of Independence


With honor for God. We come to you today because debt a threat to our inalienable Rights to life, liberty and the pursuit of happiness. Deregulation of Financial Markets as allowed a system designed to make Americans the new Indentured Servants the Status Quo.


Deuteronomy 23:19 says, "You shall not charge interest to your countrymen: interest on money, food, or anything that may be loaned at interest."

Yet why is the average Default Credit Card Rate is 32%? The average for a Credit Card ATM withdraw is 24% and the average interest rate for consumers in good standing is 18%.

• For years American Consumers have been subject to tyranny at the hands of various 1st Party Credit Predators and 3rd Party Debt Collections Terrorist who unfairly usurp wages and earnings from often innocent and or unaware Consumers.
  
  


• For years American Citizens of every walk of life have suffered the abuses of arbitrary charges, due date changes and largely undisclosed changes in credit terms.
  
  


• Consumers are not educated by their Creditors as to what actions [or lack thereof] will trigger a launch of skyrocketing fees and interest for Consumer Accounts.
  
  


• Creditors perpetrate acts of predatory lending upon our most trusting, undereducated and vulnerable citizens.
  
  


• Lack of disclosure by lenders prevents American Consumers from making fully informed financial decisions regarding matters of debt.
  
  


• Exorbitantly high interest rates on loans are unfair to American Consumers yet mostly unchecked by many of those who represent us in government.
  
  


• Big Banks get bailed out while betrayed borrowers are berated for being violated by bogus transactions.
  
  


• Scam home appraisals for sub-prime loans by some of Americas Biggest Lenders have been investigated for colluding with appraisers.
  
  


• Medical expenses pull money out of American families earnings like a syringe. This in-turn sucks the life-blood out of the American Economy. The American Consumer is the Economy. Federal Reserve Board Chair, Ben Bernanke called for changes in Americas health care system. But those calls are ignored by all of the 2008 presidential candidates.
  
  


• Mortgage brokers have been allowed to employ convicted felons to handle large sums of money for consumers. So far a combined 85 million dollars has been stolen from unsuspecting and unaware Consumers.
  


• Auto Dealers use slick as oil sales tactics to slide in Addendum Stickers. Many "steal the trade" of the unwitting Consumer which takes the consumer for a ride worth thousands of extra dollars. The worst of the Auto Dealers tell Consumers to "kick the trade" which is illegal. This is why we must see most Auto Dealers as Credit Predators.
  


• Cellular phone companies have been found guilty of violating the Unfair Business Practices Act in California, yet most people don't know the laws that exist in their state.
  


• 3rd Party Debt Collections personnel often act like terrorist. They call, harass, berate, and sometimes violate the law in heinous ways. They intimidate Americans with myths and half truths
  


• The Big Three Credit Bureaus; Experian, Equifax and Trans-Union are considered by many to be indifferent to the errors and false information placed on Consumer Credit Reports.

Why do we rant so? Because we as Americans must become more debt aware. We must Declare War On Debt. We Must engage and rant and make positive change for our country.

We must be vigilant in our individual duty and responsibility to protect our Credit Standing and Financial Health. America, we must take the responsibility of becoming informed about the invisible land-mines in our back pockets and purses. We must act to prevent the financial catastrophe that awaits us in the form a a total market crash.

All of American Consumers must strive to live sustainably. We must learn to seed and grow and obey the Law of the Harvest.

Dr. Martin Luther King Jr. said, "Our lives begin to end the moment we become silent about things that matter".

If you are in debt you are not alone. But are you the few who seek to win their war on debt with honor? Do you prefer to surrender to unfair business practices, mandatory arbitration clauses?

Or are you willing to educate yourself, enlist, go off to war against debt, fight back and return with honor and dignity?

If you are, we will help you become more debt intelligent. Join us and spread the word. Tell people that they can settle their debt for themselves.

Wishing you Financial Security!

We are Debt Warriors!