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Tommy Kilpatrick

Credit Card Advice from Lifelong Accountant
Don’t pay your bank-issued alleged credit card debt, but instead:
  Write a letter to the bank requesting the closing of your free checking account.
  Stop the harassment with one word.
  Never receive a 1099-C from the bank that forces you to pay income tax on the alleged gain (that gives the bank a tax deduction so the bank pays less taxes).
  Have the negative reporting removed from your credit report.
  If necessary, file an injunction by yourself or with a lawyer to stop the bank’s collection efforts that may have included threatening a lawsuit.
  Declare victory.

https://www.diy-debtrelief.com/

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