CCT Program
Listen to the Credit Card Termination Overview. Click Here.

Would you like to be able to terminate all your credit card debt with no bankruptcy proceedings, attorney fees, court costs or court appearances? If your answer is yes, then you'll be happy to know that this program offers you a solid way to end your existing obligations to credit card companies (but not department store credit cards).

Credit Card Debt and Bankruptcy
It is a sad fact that credit card debt is the primary burden of debt that exists in this country today. The credit card companies have created a vicious cycle that has trapped millions. They even offer low introductory interest rates to get people started, knowing that many will eventually be able to make only the minimum payment each month. This provides those credit card companies with what they want, a steady stream of interest income. This has led to the highest amount of bankruptcy proceedings the United States has ever seen.

Despite its expense, bankruptcy is one of the most frequently used programs to eliminate debt in this country. The problem arises when people use credit cards in the belief that they will be able to eventually payoff the credit cards by paying minimum payments. They then find themselves in serious debt and begin working 2 or 3 jobs in order to payoff all of their high-interest debts. Unfortunately, most of these same people will come to the shocking realization that, after years of paying the minimum payment, not one penny has been used to pay down the actual principal owed. One couple paid their minimum credit card payments for 10 years and never saw a decrease in the principal that they owed. That's the way it was designed to work. A minimum payment only pays for the interest, not the principal.

What's Wrong with Bankruptcy?
First of all, bankruptcy is a rather expensive action to take. For example, if you owe $30,000 and you seek the services of a bankruptcy attorney, they often charge 5% to 10% of the amount owed. In this case, it would be up to $3000. Secondly, bankruptcy can become an embarrassing and humiliating process because it is openly publicized in your local newspaper. Many people do not want their friends and neighbors to know about their financial affairs. But now they have an alterntive to the expense and embarrassment, because unlike bankruptcy, the Credit Card Termination (CCT) process is completely private.

Fraud & Usury: The Foundation of the Termination
Now, you may be wondering, how can I legally and lawfully terminate all of my credit card debt without facing the embarressment of bankruptcy? The answer: The Credit Card Termination package! Something you have not been aware of is that, when you use your credit cards, you fall into complicity in an act of fraud (that stars you as the victim! You are in fact allowing the credit card companies to break the law by defrauding you! Therefore, as a law-abiding citizen, you have the legal right to discontinue this relationship that involves you in the ongoing commission of acts of fraud. All of this is substantiated by physical evidence that we provide you within this package. For now I will give you a brief explanation of what a credit card actually is and what the interest is being charged on.

Credit Cards and Illegal Loans
A credit card is a token of a loan. More specifically, when a bank issues you an invitation to accept a credit card, and you sign your name accepting that offer, you are telling the credit card company that it is okay for them to make you a loan for any amount up to your credit limit. Based on corporate banking laws, in order for that loan to be legal, they must back that loan up with collateral for the amount of the loan. In essence, if your credit card has a $5000 limit, the credit card company is required to put $5000 in a valt for that specific loan amount. The credit card companies do not do that, which makes the loan illegal.

Let's examine the events involved during a credit card transation. Again with the same $5000 credit card, you decide to go to a furniture store and purchase $5000 worth of furniture. you make your selection and hand the furniture store clerk your credit card. The store then calls up the authorization company and gets an approval number to ensure that that amount is available. Then you sign a a sales slip, and the clerk gives you the original and keeps a copy. That copy then becomes a deposit item, just like a check. It goes tot he furniture store's bank, and once there, it is electronically entered into the furniture company's account. At that point, the furniture company has electronically received full payment for the items you purchased. The electronic entry then goes to the credit card company, and they electronically debit your account, making you indebted to them for the $5000. This system is illegal because it is a crime called usury to charge interest on nothing. During this whoe process no physical cash went through anyone's hands. It was nothing but electronic bookkeeping. The credit card company may lead you to believe that they set aside some cash in a pouch and sent the cash to the other bank, but they absolutely did not do that. Therefore, the fact that they are charging you interest on nothing (because the money never really existed) means the credit card company is committing usury, and by extension, mail fraud and racketeering. These statutory laws cannot be changed. As a matter of fact, the RICCO Act was designed to deal with anything of an illegal nature dealing with money.

What about Cash Advances?
What if some of your credit card debt came from cash advances? Since the bank actually gave you the physical cash, they could legally charge you interest on the amount of your cash advances, but when you use our Credit Card Termination package, the banks do not try to collect the cash advances beause they know the original loan agreement was illegal in the first place. When you have the substantiating documentation to verify this, you will clearly understand why you an take advantage of this program.

How Does One Actually Terminate the Debt?
You will recieve printed letters addressed to the CEOs of the credit card companies you are indebted to. These letters give notice of the laws that the companies are violating and provide references to various court cases as supporting documenatation. You will also be informorming the appropriate branch of government of the criminal acts of the credit card companies and that you will not be participating in breaking the law any longer.

We have had people terminate  $50,000 to $160,000 of credit card debt using the CCT package. When you follow the step-by-step procedures. This is so powerful because the Department of Justice cannot force you to break the law. No court of law, when you substantiate your position using the law, can force you as a law-abiding citizen to break the law.