Product: Debt collection

I am filing this complaint on the count that Bridgecrest continues to fraudulently attempt to collect an alleged debt despite the fact that the United States corporation is obligated to all promissory notes, coupons, bills, checks, etc. confirmed by Title 18 U.S.C. 8. Every/ all utility companies have committed embezzlement, theft by deception, and extortion by failing to discharge all debts according to 73rd Congress. SESS 1. CHS. 48 49 June 5, 1933 HJR 192HR 1491 PUblic Law 1 48 STAT 1 Public Law 10 Chapter 48 Stat 112 Public Law 73-10 40 STAT 411 Trading With the Enemy ACT XX/XX/XXXX. Companies have mailed through the US Mail an intentional misrepresentation of facts, unfair business practices and each utility company and agents thereof have knowingly with forethought and malice created fraudulent debt, defrauding the consumer, that is the recipient of DIVIDENDS, that the companies lead the recipient to believe through the deception of an invoice. So every company has created a convertible and fraudulent debt. Your company has failed to pay off any of the public debt but rather unlawfully redirected the ill-gotten gains into a private corporate account which occurs in violation to the incorporated against laws established and a result of the US Bankruptcy Act of 1933, which confirms there is no money as a result of no real assets backing the " money. '' There are only bank notes which are a promise to " pay '' and a debt can't be paid with debt. Since the United States took the only form of payment, in gold and silver, from the people, all debts are to be discharged as agreed but the utilities companies ( and banks ) have not discharged any debt, but rather gave the illusion and violated the natural person by putting the consumer deeper in debt causing damages and loss of livelihood. Not a single notice has come to me telling me that the monthly statement is actually a dividend or coupon to me. All alleged invoices are dividends and/ or coupon to the consumer and all services should remain active. Next, your firm has violated FDCPA 15 USC 1692g ( a ) ( 1-3 ) as it never took the proper protocol in the attempt to validate an alleged debt.

Might I also add that one of the violations of the Truth in Lending Act, determination of a Finance Charge, was misleading in the Retail Installment Contract as Congress defines the Finance Charge ( Under the TILA ) as the sum of all charges payable to the creditor but the RIC Bridgecrest provided defines the finance charge as the " cost of credit. '' This is fraud given the consumer has an open-end credit plan and all debts are prepaid. I would like to point out that the debtor can assert claims and defenses against the seller and I have a right to recovery the amounts paid.

Some of your responses have been vague and quite frankly, insulting so I also have some questions. Were the funds to be paid to the alleged borrower? The check written, does it represent an asset of the bank? Is it a bank policy to first deposit money into an account before writing a check on that account? Where did the funds originate to fund the check? Did the bank originate the funds for the check or did the borrower originate the funds for the check? To the best of your knowledge, where did the funds originate from? Did your firm issue a check based on the value of something in exchange for the loan? What asset was used to issue the check? Can banks loan money and does the law provide what kind of money the banks can loan? What did the bank have to loan the alleged borrower in order for the bank to legally own the promissory note?