Consider these FACTS:

Our constitution gave us the right to be free. But I have found that freedom has a price. I'm not talking about the men who died 200 years ago, or even since, in a effort to secure our rights as human beings. I'm talking about the battles, big and small, that each individual who decides to be free will have to fight to gain and keep that freedom on a daily basis.

You must read and research for yourself, and make your own decisions. Just because someone says "Section xxx.xx of 26 USC says you don't need to do whatever", don't take it at face value. Look up the code yourself. And ascertain for yourself what it means. Use these bits of information as directions to get where you want to go, but do the path paving yourself. Mistakes can be costly. Very. So review the information, think it through, double check to make sure someone hasn't already tried that route --and lost. Make sure the person giving you the advice hasn't already gone to jail for following his own advice.

The best way? Find someone who has successfully done what you want to do, and follow them -- less their mistakes. If they're a human being, they'll even give you a roadmap. I have been told a lot of things. And they all sounded good. And they looked true. But, in reality, acting on those "facts" could and did cause trouble for us. You see, My intention is to NOT become a test case or prove myself and my beliefs in court. If I'm right, I shouldn't have to go to court. And let me tell you, I've trusted a few people in the last year I had no business trusting. So I know from which I speak.

I have no money, and therefore no means to afford a good defense. I would lose, possibly, what little I have after struggling for 40 years, including "my" house, my kids, clothes -- you name it. That price is too high for me. So, I want to talk to people who weren't bothered, were left alone, and didn't go to court. In my mind, if you went to court you either pioneered an untested avenue, or you did something wrong. I don't care to be in either of those categories.

The most important part of this process is to get out of debt. Now. Quickly and as quietly as you can. Most bank loans and credit card accounts are frauds anyway. They didn't loan you any money. What they did was take your "promise to pay" and deposit it into the bank, then they wrote you a check against it. If you know anything about accounting, you know that this isn't the way to do it. Because, when you start paying that loan or credit card company back, the payments are clear profit. There is no second entry to balance them. Essentially, you funded your own loan. I believe it's called check kiting, and it is illegal, even by Federal Reserve standards. There's only two ways to stop the nonsense. Pay off the exorbitant accounts, or tell the banks you know what's going on and ask them to prove you wrong... There is a process for following the second avenue, and it must be done correctly or you'll find yourself in court. But if you do it right, you're free. The problem is staying that way.

Visit these websites. Some are radical, but pay attention to the content. The facts don't change -- don't let your prejudice over the presentation interfere with what is being presented. Several have forms for you to use for accomplishing some of these tasks. But don't go shooting off letters to people without being relatively sure that it won't get you into trouble...

Carol & Larry Peterson