Shows
AI Superwoman Podcast - Lily PatrascuMake More Sales With Voice Guide AI - Tommy A. Kilpatrick and Brett Duncan with Lily Patrascu
2026-01-2834 min
MC Anime PodcastDigital Business: Credit Lines & BanksDigital Business 101 Credit Lines & BanksIn this episode of Digital Business 101, we’re joined by Tommy Kilpatrick—Accountant, Author, and Financial Specialist—to explore the fundamentals of business credit, banking relationships, and financial literacy.Tommy shares his expertise on establishing credit lines for businesses, explaining how proper financial planning and structure can position companies for growth. He breaks down how banks evaluate businesses for loans, what lenders look for during the approval process, and common mistakes entrepreneurs make when seeking financing.The conversation also dives into building financial partnerships, highlighting how strategic relationships can su...
2026-01-2756 min
Lee A Jones' Hindsight the PodcastIs the System Designed to Keep Me Broke? (ft. Tommy Kilpatrick)In this powerful episode of Hindsight the Podcast, Lee Jones sits down with Tommy Kilpatrick, an author whose story defies the norm. After a financial collapse left him $85,000 in debt, Tommy made a shocking decision — to reset his life by stepping away from the system entirely.In this episode:00:00 Introduction and Background00:12 The Journey to the Philippines01:26 Purposeful Homelessness and Life Lessons04:27 The Search for Family and Connection07:28 Financial Collapse and Resilience10:27 The Promise of Wealth and Its Consequences...
2026-01-1958 min
Diva Tonight with Carlene HumphreyUnpacking Alleged Credit Card Debt And Bank InvoicesTommy Kilpatrick challenges the assumptions behind “credit card debt,” drawing a hard line between invoices and statements, and show how language can shift the burden of proof back to the bank. We share tactics, limits, and ways to clean reports and rebuild credit while urging third-party verification.• origin story: media deal collapse, lawsuits, credit report fallout• law as language: using the word alleged to reframe debt• statement vs invoice: why invoices document true obligations• true store credit with itemized invoices vs bank-issued cards• how banks acquire customers with gifts and fees• where this does...
2026-01-1441 min
The Strategic VeteranTommy KilpatrickIn this episode, Tommy Kilpatrick shares how he deliberately burned his life to the ground. After decades of marriage, running medical clinics, and building financial stability, Tommy chose homelessness, took a vow of poverty, and walked away from everything he owned.
What followed was a radical experiment in faith, healing, fasting, alternative health, and service. From working with Marines suffering from severe PTSD to teaching self-managed health clinics, farming, and bamboo housing in the Philippines, this is a conversation about letting go of money, titles, comfort, and control in order to reclaim purpose.
2026-01-1250 min
Jess Saying With Jessica DanelEpisode 27, From Debt to Disruption, Exposing the Credit Card IllusionIn this conversation, Tommy Kilpatrick shares his journey of overcoming $85,000 in credit card debt through a unique legal approach. He discusses how he uncovered what he believes to be bank fraud and the importance of understanding the nature of credit cards and loans. Tommy emphasizes the need for financial literacy and encourages listeners to question the banking system and their own financial agreements. He also introduces his book, 'Forgive and Forget: How to Nuke Your Credit Card Debt,' which outlines his strategies for dealing with debt and advocating for oneself in the financial system....
2025-12-2957 min
WV Uncommonplace : Uncommon ConversationsDebt or Deception? The Credit Card Lie with Tommy Kilpatrick💥 In this mind-bending episode of WV Uncommon Place, JR sits down with retired teacher, author, and financial truth-teller Tommy Kilpatrick, who claims your "credit card debt" might not be debt at all.💳 Tommy shares his wild journey of running up $85,000 in credit card charges based on a radio infomercial deal that collapsed — and how that financial hit led to an eye-opening discovery about bank-issued credit cards, loans, and the law.📜 He explains the difference between a real invoice and a statement, why banks can’t legally claim you owe them without a promissory note, and how he got multipl...
2025-12-1837 min
Aro Benaiah ShowHow Banks Create Money with Credit Cards: The Hidden Process RevealedMost people think credit cards are simple loans from the bank but what if that’s not really what’s happening? In this eye-opening episode of The Aro Benaiah Show, financial educator Tommy Kilpatrick breaks down the surprising truth behind how banks create money through credit cards, and how this affects everyday people who are trapped in debt.Tommy explains the difference between real credit card debt and the so-called “alleged” bank-issued cards, and why many people don’t actually understand the system they’re paying into. You’ll also learn practical steps you can take if yo...
2025-12-1724 min
ABOUT THAT WALLET321: [Tommy Kilpatrick] DIY Debt ReliefToday we're diving deep into the wild world of credit cards and how the banking system might just be pulling the wool over our eyes! Our guest, Tommy Kilpatrick, brings a fresh perspective on how we’ve been indoctrinated into thinking that credit card debt is something we have to bear without question. He shares his personal journey from being buried under $85,000 in credit card debt to discovering that the banks might not even have a legitimate claim on those debts. We discuss the idea that many of us have been misled about what credit really means and how to...
2025-12-0945 min
Sharpen The SpearMastering Money: Banking Insights, Debt Strategies, and Financial Literacy with Tommy KilpatrickJoin Richard Walsh and Tommy Kilpatrick as they delve into the complex world of finance. Tommy shares his journey, including legal battles with banks and overcoming debt. They discuss banking systems, inflation, and fractional reserve banking, offering historical context and examining economic impacts. The conversation covers credit card processing, digital currency, and the difference between real money and currency. Tommy shares insights from his experiences in the Philippines, emphasizing financial literacy, mastering business numbers, and profit leveraging. They also discuss strategies for managing credit card debt and the importance of paying from invoices.
(0:00) Introduction and Guest Introduction: Tommy Kilpatrick
(1:21) Tommy's...
2025-12-0354 min
Soul Elevation: Guiding Your Ascension to New Heights521. Erase Credit Card Debt & Reclaim Sovereignty - Tommy KilpatrickThis conversation with Tommy A. Kilpatrick completely reframed how I see credit-card debt, banking systems, and financial sovereignty. Tommy shares how his $85,000 in "credit-card debt" mysteriously vanished after he took his case to federal court—without tax repercussions. He explains how modern banking practices create an illusion of debt, why language like "alleged credit-card debt" matters legally, and how you can reclaim your sovereignty by understanding financial fraud at its root. We also explore Tommy's decade-long vow of poverty, his spiritual awakening, and his current humanitarian work in the Philippines—teaching farmers to build bamboo dome...
2025-11-2458 min
Eavesdropping with Spencer WiseTommy KilpatrickIn this conversation, Tommy A. Kilpatrick discusses the misconceptions surrounding credit and loans, emphasizing that what is often perceived as a loan is actually a misleading financial construct. He explains how the banking system operates and the importance of understanding these concepts for better financial health.TakeawaysYou see that $500 bill that you got from that credit card.They are so given to you as a loan, which was never a loan.You've been lied to.You write a check from your own...
2025-11-2028 min
Conversations With Iris PodcastEp. 72- Tommy Kilpatrick- Nuke Your Credit Card DebtSend a text to Ronnie KeithEp. 72 of Conversations with Iris Podcast has Iris sitting down with the amazing and fire blazing Tommy Kilpatrick. Don’t believe anything in this book. Take this book to your CPA and have s/he read the chapter “Act 1 Scene 1”, and hear from their own lips, that the bank could have never issued you a true credit card. This may be the first time your CPA has ever realized that their own bank-issued credit card is in reality a debit card.Welcome to Tommy Kilpatrick's approach to dealing with bank-is...
2025-11-1434 min
The Amazing Authorities PodcastThe Credit Card Debt Myth: How Tommy Kilpatrick Helps You Erase “Alleged” Debt and Reclaim Financial FreedomIn this eye-opening episode of Amazing Authorities, host Mitch Carson interviews Tommy Kilpatrick, consumer advocate, author of Forgive and Forget: How to Nuke Your Credit Card Debt, and founder of a debt dispute strategy that’s helped thousands clear their credit reports without paying a dime to banks.Tommy reveals how most credit card “debts” are legally unenforceable because no valid promissory notes or invoices exist — and how banks profit billions off what he calls “alleged debt.”After personally erasing $85,000 from his own credit report through a federal lawsuit, Tommy developed a practical, legal-based system that empowers eve...
2025-11-1330 min
The Curious Tycoon Podcast | Wealth, Empowerment and Business EnlightenmentDebt Free in 45 Days: DIY Financial Freedom Playbook for Real Results | Ep. 27Ready to take control of your finances and eliminate debt fast? In this episode of The Curious Tycoon Podcast, we uncover how to become debt-free in just 45 days using a practical, no-fluff DIY financial freedom playbook. Whether you're drowning in credit card debt or just looking to fine-tune your budgeting game, this episode provides clear, proven steps that lead to true financial freedom.🎯 What You’ll Learn:- How to set up your 45-day debt-free action plan- The mindset shift that accelerates financial independence- Step-by-step budgeting and spending audit strategies- How to build momentum without financial overwhelm💡 This episode is perfe...
2025-11-121h 01
Flying Upstream Podcast140: 🔓 The Illusion of Debt: Break Free from Credit Card Chains with Tommy KilpatrickAre you really in debt—or is the system deceiving you?In this eye-opening episode of Flying Upstream, Tommy Kilpatrick shares his personal journey from being trapped by credit card debt to discovering the hidden truths of the banking system. He exposes how promissory notes, credit card fees, and conventional financial practices often create a false sense of obligation, and shows listeners how they can reclaim their financial power.Tommy dives into alternative finance strategies, the importance of understanding true debt vs. fraudulent claims, and why fear often prevents people from taking control. Whether you’re s...
2025-11-1132 min
Biz Help For YouHow to Eliminate Credit Card Debt and Take Back Financial Control with Tommy KilpatrickSend us a textIf you’ve ever felt trapped by credit card debt, this episode will completely shift how you think about banks, credit, and your financial rights. Discover how one man challenged an $85,000 debt and won. #CreditCardDebt #FinancialFreedom #DebtRelief #MoneyMatters #EntrepreneurFinance C-Suite PerspectivesElevate how you lead with insight from today’s most influential executives.Listen on: Apple Podcasts SpotifySupport the showResources: https://affordablebookkeepingandpayroll.com/resource-opt-in Become a supporter of the show: https://www.buzzsprout.com/1522381/support
2025-11-0730 min
Born To Achieve Greatness149- CONSUMER CREDIT CARD vs BANK CREDIT CARD: WITH TOMMY KILPATRICKSend us a text Consumer Credit Card vs. Bank Credit CardHey achievers! Today, we’re discussing something that impacts nearly everyone’s wallet — the difference between a consumer credit card and a bank credit card.A consumer credit card is usually linked to a specific store or brand — think of those retail cards you get at clothing stores or gas stations. They often offer discounts, reward points, or special deals just for shopping there. On the other hand, a bank credit card — such as those from RBC, TD, or Scotiaban...
2025-11-0620 min
The MisFitNationThe Credit Card Scam Banks Don’t Want You to Know About w/ Tommy KIn this jaw-dropping episode of The ToosDay Crue, Jake and Stephen sit down with Tommy Kilpatrick, author, and banking myth-buster. Tommy shares his explosive theory about bank-issued alleged credit card debt—and why he claims it's not legally enforceable.
Discover how he went toe-to-toe with banks in federal court, exposed alleged financial fraud, and now helps others challenge $1.3 trillion in so-called debt. With a background in accounting and a mission to help everyday people take back financial control, Tommy unpacks the shocking truth behind "credit" cards that are actually cleverly disguised free checking accounts.
👉 Learn more at: https://www.diy-d...
2025-11-0457 min
The Inspired ChoiceFrom Debt to Success: Tommy Kilpatrick's Guide to Financial EmpowermentCaroline Biesalski welcomes Tommy A. Kilpatrick, who shares his inspiring journey from debt to financial success. They delve into the differences between true loans and bank-issued credit cards, providing listeners with insightful distinctions. Tommy outlines practical steps for addressing and overcoming credit card debt. The conversation includes information on where to find Tommy and details about his book offer. Tommy also discusses his upcoming projects, inspirations, and the mentors who have influenced his path. The episode concludes with closing remarks, encouraging listeners to reflect on their financial choices and take actionable steps toward improvement.
(0:00) Introduction and Tommy's journey from debt...
2025-10-3114 min
The Brand Called YouFrom Homeless to Hero: Rewriting the Rules | Tommy Kilpatrick, Author 'Forgive and Forget How to Nuke Your Credit Card Debt'Discover Tommy Kilpatrick’s extraordinary journey—from choosing homelessness in America to empowering farmers in the Philippines, building sustainable communities, and challenging the traditional credit card system. An inspiring story of faith, courage, and unconventional wisdom.00:42- About Tommy KilpatrickTommy is a retired American living in the Philippines, teaching farmers how to build dome structures with bamboo vertical gardening and to open free, self managed healthcare clinics. He's also an author of a book titled Forgive and Forget How to Nuke Your Credit Card Debt
2025-10-2125 min
Manders MindsetCredit Card Debt Isn't Real | Tommy Kilpatrick | 165Feedback on the show? Send us a message!What if credit card debt isn’t what it seems and freedom from it starts with changing your mindset, not your payment plan?In this powerful episode of Manders Mindset, Amanda Russo is joined by Tommy Kilpatrick, a reflexologist, former CPA, and self-described “wonderful healer” to explore the hidden truths behind credit card debt and the financial systems most people never question.After being promised an infomercial deal that fell through, Tommy was left with $85,000 in credit card debt. But instead of drowning in it...
2025-10-2056 min
Famous Interviews with Joe DiminoAuthor, World Traveler & Visionary Tommy A. KilpatrickWelcome to a new edition of the Famous Interviews with Joe Dimino series .. On this episode, we talk with Author, World Traveler & Visionary Tommy A. Kilpatrick .. Speaking from his home base in the Philippines, Tommy shares a fascinating story of resilience, transformation, and adventure. After a successful book launch led to a major infomercial deal gone wrong, he was left with $85,000 in debt — but instead of giving up, he turned the setback into a mission to rebuild and inspire others. His journey across continents and careers is a testament to grit, wisdom, and reinvention. Dive into this powerful story of red...
2025-10-1729 min
Simple ConversationsThe Man Who Beat $85,000 Credit Card Debt Without Paying a Cent | Tommy Kilpatrick | SC86What happens when a man loses everything — $85,000 in credit-card debt, a canceled TV deal, and a judge calling him an idiot — but somehow turns it all into purpose?In this conversation, Tommy A. Kilpatrick shares how an infomercial dream in 2004 turned into financial disaster, why he walked away from the system, and how he rebuilt his life helping farmers and families in the Philippines. It’s a story about money, failure, and the strange path back to peace.We talk about debt, credit scores, lawsuits, homelessness by choice, and the mindset that lets you start again when everything falls apart.If you...
2025-10-1329 min
Simple ConversationsThe Man Who Beat $85,000 Credit Card Debt Without Paying a Cent | Tommy Kilpatrick | SC86What happens when a man loses everything — $85,000 in credit-card debt, a canceled TV deal, and a judge calling him an idiot — but somehow turns it all into purpose?In this conversation, Tommy A. Kilpatrick shares how an infomercial dream in 2004 turned into financial disaster, why he walked away from the system, and how he rebuilt his life helping farmers and families in the Philippines. It’s a story about money, failure, and the strange path back to peace.We talk about debt, credit scores, lawsuits, homelessness by choice, and the mindset that lets you start again when everything falls apart...
2025-10-1329 min
What If You CouldTommy Kilpatrick | The Credit Card Myth: Why Your Bank Card May Not Be What You Think It IsWhat if everything you thought you knew about credit cards… was wrong? 💳Meet Tommy Kilpatrick, author, CPA-trained financial strategist, and whistleblower on what he calls “bank-issued alleged credit card debt.” His controversial new book challenges the very foundation of how modern bankingand consumer credit work.Tommy argues that many so-called “credit cards” are actually disguised debit accounts—and that most cardholders may have been unknowingly drawn into a complex system of fees and profit structures designed to benefit banks far morethan customers.In this eye-opening interview, Tommy explains:💰 How banks allegedly create “credit” using borrow...
2025-10-1054 min
Trailblazers & TitansHow to Nuke Your Credit Card Debt: Insights from Tommy KilpatrickOur discussion today centers on the remarkable journey of Tommy Kilpatrick, a man who has navigated diverse and transformative experiences throughout his life. Currently residing in the Philippines, he dedicates his efforts to educating farmers on sustainable practices, including constructing bamboo dome structures and cultivating food vertically. Tommy's multifaceted background encompasses a double major in abnormal psychology and accounting, along with roles as an author, teacher, entrepreneur, and spiritual seeker. After a significant life change, he embraced a vow of poverty, which led him to live on farms and walk in faith. Throughout our conversation, Tommy shares profound insights...
2025-10-0935 min
Marti Oakley & TS RadioTommy Kilpatrick exposing credit card and bank fraudI was so excited to meet Tommy Kilpatrick. We discuss credit card and bank fraud. If you are carrying a large credit card balance this is a must listen too. Tommy believes people are suffering under $1.3 trillion of bank-issued alleged credit card debt, which is not a debt and can be eliminated within 45 days.
Tommy also discusses an amazing idea for ideal care for the elderly. His compassion for humanity shines so bright.
Tommy is an extremely intelligent guest and we at TS Radio are so excited we found him. This episode is a must...
2025-10-071h 03
Marti Oakley & TS RadioTommy Kilpatrick exposing credit card and bank fraudsend us a text. Please include your contact information if you would like a reply. I was so excited to meet Tommy Kilpatrick. We discuss credit card and bank fraud. If you are carrying a large credit card balance this is a must listen too. Tommy believes people are suffering under $1.3 trillion of bank-issued alleged credit card debt, which is not a debt and can be eliminated within 45 days. Tommy also discusses an amazing idea for ideal care for the elderly. His compassion for humanity shines so bright. Tommy is an extremely intelligent guest a...
2025-10-071h 04
Postcards to the Universe with MelisaConversation with Tommy Kilpatrick - Become Credit Card Debt-FreeTommy Kilpatrick – Welcome to Tommy Kilpatrick's approach to dealing with bank-issued alleged credit card debt by challenging its legitimacy. After writing a successful book, Kilpatrick signed a contract with an infomercial company. For six months, he promoted his book, anticipating a huge monthly payout. However, that didn’t happen. Kilpatrick was left with $85,000 in credit card debt. He was stunned and depressed until he had an epiphany: a bank-issued credit card isn't a true credit card, and no real debt exists because a promissory note was never signed.He then sued all three banks in fede...
2025-10-0354 min
Postcards to the UniverseTommy KilpatrickAir Date - 01 October 2025Welcome to Tommy Kilpatrick’s approach to dealing with bank-issued alleged credit card debt by challenging its legitimacy. After writing a successful book, Kilpatrick signed a contract with an infomercial company. For six months, he promoted his book, anticipating a huge monthly payout. However, that didn’t happen. Kilpatrick was left with $85,000 in credit card debt. He was stunned and depressed until he had an epiphany: a bank-issued credit card isn’t a true credit card, and no real debt exists because a promissory note was never signed.He then sued all three...
2025-10-0355 min
The C.K. Simms ShowTommy Kilpatrick Reveals the Truth About Credit Cards, Debt, and Bank FraudGuest Name: Tommy Kilpatrickhttps://www.diy-debtrelief.com/Facebook: Tommy-A-KilpatrickSummaryIn this episode, C.K. Simms sits down with author and victim rights advocate Tommy A. Kilpatrick, who claims banks worldwide are committing fraud with credit cards. Tommy shares his personal journey from $85,000 in debt to filing lawsuits and seeing his credit reports wiped clean. He challenges long-held beliefs about debt, explains the difference between true merchant credit and bank-issued cards, and offers insight into how language, contracts, and consumer rights play a critical role in financial...
2025-10-0131 min
UNSTOPPABLE PODCAST - Harry SardinasMillion Dollar Strategies - Tommy A. Kilpatrick And Harry Sardinas
2025-09-2948 min
Through the FireThrough the Fire #77 - Retired Teacher and Author - Tommy KilpatrickTommy Kilpatrick wrote a book and was so successful that he was contracted with an infomercial company. For six months, Kilpatrick lived on his three credit cards to be available for radio interviews to promote the book, in anticipation of making the promised $100,000 a month. One of the other authors contracted with the same company got in trouble with misleading information, so all new authors contracts were cancelled and Kilpatrick was left holding the bag of $85,000 of credit card debt. Kilpatrick was at first stunned, then depressed about his situation. One morning he woke up thinking about h...
2025-09-2450 min
lethal venomhow to nuke your credit card debt (feat. Tommy Kilpatrick)Thank you so much to PodMatch for sponsoring today’s episode! Go to joinpodmatch.com/lethalvenom to begin your podcast journey today and start building genuine connections with hosts and guests!In this episode of lethal venom, I am joined by Tommy Kilpatrick. Tommy shares with me great advice about credit cards and the proper way to use credit cards. I enjoyed having him on the show and hope that you learn some very helpful tips.To learn more about this subject from Tommy, check him out at https://www.diy-debtrelief.com/ or his Podmatch pr...
2025-09-2024 min
Mind Over MasculinityMen, Mental Health, and Masculinity in Crisis – with Tommy KilpatrickIn this episode of Mind Over Masculinity, host Sana sits down with Tommy Kilpatrick for a raw and layered conversation on men’s mental health, societal expectations, and what it means to be a man in today’s shifting culture. Tommy shares his lived experience of divorce, homelessness by choice, faith, and rebuilding life in the Philippines. From navigating credit card lawsuits to confronting systemic bias, he explores how men silently carry emotional debt alongside financial pressures.
The conversation dives into how masculinity has evolved since World War II, why men struggle with identity and belonging, and how...
2025-09-1422 min
The Inul Chowdhury ShowFrom Vow of Poverty to Financial Freedom: Lessons with Tommy A. KilpatrickMy guest today is Tommy A. Kilpatrick, a retired American now living in the Philippines, where he teaches farmers how to build dome structures with bamboo, practice vertical gardening, and open free self-managed health care clinics.Born and raised in California, Tommy studied Abnormal Psychology and Accounting, and over the years has worn many hats—author, teacher, entrepreneur, and faith-walker. His journey has included a 28-year marriage that ended, a voluntary vow of poverty, and even a period of homelessness by choice, all while living on farms and walking in faith with God.In 2004, Tommy si...
2025-09-1221 min
Thrive Within Podcast010 | Satan is the Culprit: View Debt through God's Lens with Special Guest Tommy KilpatrickSend us a textIn this episode of the Thrive Within Podcast, Tommy Kilpatrick, shares his transformative journey from financial struggle to understanding the deeper truths about debt and financial stewardship.The conversation delved into the deceptive nature of credit card debt, the power of language in shaping our perceptions of financial obligations, and the biblical principles that guide us towards true financial freedom.Resources: Amazon Book: https://www.amazon.com/dp/B0D1DV398C/ref=sr_1_1?crid=2T2J79MRKEUEU&dib=eyJ2IjoiMSJ9.G90ZVPhD0xasgrjK1S6Zav-5RWRmyKGJXLtFrEC-vmXA6jUGS2pViUpmSgWO-Ej1.k...
2025-09-1035 min
Inner LightBreaking the Illusion: Credit Card Debt, True Freedom & The Free Revolution with Tommy KilpatrickIn this eye-opening episode of Inner Light, Tommy Kilpatrick dismantles one of the biggest financial myths — the belief that credit card debt is an unavoidable burden. From erasing $85,000 in alleged credit card debt to challenging banks in federal court, Tommy reveals why most credit card “loans” are rooted in fraud and how you can reclaim your economic power. He also introduces his Free Revolution concept — innovative, community-based solutions for housing, food, and healthcare that flip the scarcity script and make generosity the real currency. If you’ve ever felt trapped by debt, pressured by economic systems, or disconnected from true peace...
2025-09-0416 min
Joey Pinz Discipline Conversations#727 Tommy A. Kilpatrick: 💥 How to Nuke Credit Card Debt and Reimagine PovertySend us a textCan you legally walk away from credit card debt? 💳In this electrifying and unconventional episode, Joey Pinz speaks with Tommy A. Kilpatrick — a financial dissenter, self-styled legal thinker, and the founder of the 3H Club (Hunger, Housing, Humanity). From his vow of poverty and barefoot walk across America, to launching a dome house initiative in the Philippines, Tommy shares a life that defies convention.But it’s his bold claim that most credit card debt is alleged — not actual — that will shock you. Using his “gift card disguised as...
2025-09-031h 01
The divine decode PodcastDebt, Freedom & Language: Rethinking Credit Cards and Contracts — with Tommy KilpatrickOn this episode of Divine Decode, we unpack debt, consumer rights, and spiritual resilience with guest Tommy Kilpatrick. Tommy recounts how he went from $85,000 in credit-card debt to challenging bank practices, reframing “debt” through accounting language and contract fundamentals, and rebuilding life with faith, intention, and service. We explore why law is language (and language is law), how statements differ from invoices, and why emotional clarity matters when you’re under financial pressure. This conversation is direct, practical, and reflective—aimed at listeners who want to question assumptions about money while staying grounded, ethical, and safe.
About the guest
2025-09-0126 min
Politically High-Tech300- Banking Deception Exposed with Tommy KilpatrickSend us a textTommy Kilpatrick, a retired teacher and author, challenges conventional understanding of bank-issued credit cards by claiming they represent a worldwide banking fraud rather than legitimate debt. Following a personal financial crisis where he accumulated $85,000 in credit card debt, Kilpatrick discovered what he believes is a fundamental misrepresentation in how banks issue credit cards and collect payments.• Distinction between store-issued credit cards (legitimate debt backed by goods/services) versus bank-issued cards (allegedly fraudulent)• Bank-issued credit cards function more like gift cards since they lack traditional loan documentation (promissory notes, income verification, coll...
2025-09-011h 22
Drink O'ClockBreaking Free from Alleged Debt: Insights with Tommy KilpatrickI sit down with author and debt-fighter Tommy Kilpatrick for a wild and eye-opening conversation. Tommy opens up about how a failed business deal left him with $85K in credit card debt, how he took on some of the biggest banks in federal court, and why he believes much of what we call debt is really just “alleged.” He shares his journey from struggle to advocacy, explaining how he now helps others challenge fraudulent practices and reclaim control of their financial future. You can find all of Tommy's content below:Amazon BookWebsite: diy-debtrelief.comEmail...
2025-08-291h 01
Overcomers ApproachBreaking Free from Credit Card DebtWhat if everything you believed about credit card debt was built on a misunderstanding of banking? Tommy Kilpatrick's remarkable story begins with $85,000 in credit card debt and ends with a financial revelation that changed his life forever.When Tommy found himself drowning in credit card obligations after a promised contract fell through, he didn't accept defeat. Drawing on his accounting background, he questioned the fundamental nature of his financial arrangement with the banks. His discovery was stunning – the banks had no invoices for his purchases and he had never signed a promissory note, two essential components of a...
2025-08-2638 min
Rise and Tell with Sheekha34: How Tommy Kilpatrick Beat 3 Banks & Crushed Credit Card DebtWhat would you do if 3 banks came after you for credit card debt? 💳⚖️In this episode of Rise & Tell with Sheekha, author Tommy Kilpatrick reveals how he took on three major banks in court—and won. He breaks down his story, the strategies he used, and how everyday people can fight back against alleged credit card debt.You’ll learn:✅ How Tommy challenged banks in court✅ Why most debt is not what it seems✅ Practical tools to crush credit card debt and reclaim your freedom
2025-08-2533 min
BruCast#102 - Tommy Kilpatrick(This podcast is for entertainment purposes only and is not financial advice. We are not responsible for any financial decisions you make based on the content discussed.)Tommy Kilpatrick is an author and financial truth-teller who eliminated his credit card debt and teaches how most bank-issued debt is an illusion—and how to fight it.https://www.diy-debtrelief.com/⚡️ BUY BRUCAST MERCH ⚡️ ⚡️ https://bru-cast.com/store ⚡️💬 CHAT WITH US ON DISCORD 💬 💬 https://discord.gg/XnCDf8g3gn 💬 📱 GET THE BRUCAST...
2025-08-211h 11
The KAJ Masterclass LIVESTOP Wasting Money on Credit Cards with HIDDEN FeesAre credit cards what we think they are? In this thought-provoking episode, Tommy Kilpatrick shares his insights on how credit card debt works, what might be hidden in plain sight, and why it’s important to question financial norms. Tune in to learn, think critically, and make more informed financial decisions.🔔 Want to Connect, Collaborate or Feature on KAJ Masterclass?Explore all options here: https://linktr.ee/kajmasterclass==========================================👤 *FEATURED GUEST*Kilpatrick’s father was a CPA and he studied in college to become a CPA. Kilpatrick served as the Controller for the Country Club of Rancho Ber...
2025-08-2032 min
Bartelle's Money TalkHow to ‘Nuke’ Your Credit Card Debt with One Word with Tommy KilpatrickWhat if everything you thought you knew about credit card debt was wrong?In this episode of Bartelle's Money Talk, Johnny sits down with Tommy Kilpatrick, a retired teacher, author, and financial truth-teller, who reveals a legal and linguistic twist that could change how you see credit card debt forever.Tommy explains:Why he calls it alleged credit card debtHow banks operate without invoices or promissory notesThe difference between a true credit card and a bank-issued “gift card”How one word could put the burden of proof back on the bankHis step-by-step approach to closing...
2025-08-1940 min
One on One with Mista YuUnmasking Credit Card Debt: The Truth Banks Don't Want You to Know with Tommy KilpatrickSEND US A TEXT. Drop Mista Yu a text at: (904) 867-4466 or (https://www.buzzsprout.com/twilio/text_messages/2378778/open_sms). Leave your first name and the city you're reaching out to us from. We'll respond to your message on the next Fan Mail episode and give you the biggest shoutout. Every message you send to me matters. WANT A SHOUT-OUT ON THE PODCAST?Tommy Kilpatrick reveals how banks create alleged credit card debt through accounting practices and explains why most credit card debt may not be legally enforceable.• Born and raised in Long Beach, Ca...
2025-08-1838 min
The T.R.O.N. PodcastTommy KilpatrickSend us a text After publishing a successful book, Tommy Kilpatrick was contracted with an infomercial company and spent six months promoting it—living on three credit cards in anticipation of earning $100,000 a month. When another author with the company faced legal trouble, all new contracts were canceled, leaving Kilpatrick with $85,000 in credit card debt.Drawing on his accounting background, Kilpatrick concluded that bank-issued credit cards are not true loans without a signed promissory note. He sued three banks in federal court, and although the cases were dismissed, the debts were removed from his credit re...
2025-08-1330 min
Spirits and Stories With Donald DunnThe Credit Card Debt Theory: Tommy Kilpatrick’s Unconventional Battle
What if your credit card balance wasn’t what it seemed? In this thought-provoking conversation, author and former controller Tommy Kilpatrick shares his personal journey from $85,000 in credit card debt to a surprising outcome—without bankruptcy, collections, or a credit hit. Tommy outlines his theory that some bank-issued credit card balances are “alleged” debt, and explains the strategy he believes led to his result.
⚠ Important Disclaimer: This episode presents one individual’s personal theory and experience. These views are not legal or financial advice and may not reflect the laws in your state or country. Debt obligat...
2025-08-1254 min
Not Enough QuestionsDo We Really Need Credit CardsIn this conversation, Julian and Tommy discuss the necessity of credit cards, personal experiences with money management, and cultural perspectives on spending. They explore innovative ideas for improving the financial system and reflect on their own financial habits and beliefs. The dialogue emphasizes the importance of understanding credit, budgeting, and the impact of cultural differences on financial behavior.Thank you Tommy and the NEQ teamLanding Page https://www.diy-debtrelief.com/Email: tom.yourhelpexpert@gmail.comFB: Tommy A. Kilpatrick https://www.facebook.com/profile.php?id=61571446316625Squeeze pageA...
2025-08-0755 min
Creator CEO69: Why Your Credit Card Debt Might Not Be Real | Tommy KilpatrickThink your credit card debt is legit? Think again. In this eye-opening episode, Tommy Kilpatrick breaks down how some credit card debt might not be legally enforceable and what you can do about it. We dive deep into credit card fraud, consumer protection, debt validation, and the practical legal steps you must know if you're being harassed by debt collectors. Whether you’re drowning in credit card bills or just want to understand your rights, this episode is your blueprint to financial freedom. Don't miss this must-hear conversation on challenging debt the right way.#CreditCardDebt #FinancialFreedom #DebtRelief #Co...
2025-08-0733 min
Designing with LoveFaith Leads the Way: Building a Better World Through Giving with Tommy KilpatrickTommy Kilpatrick's spiritual journey takes us from the classrooms of California to the villages of the Philippines in this thought-provoking exploration of faith, purpose, and radical giving.Subscribe now to hear Tommy's practical wisdom on practicing "random acts of kindness" in cross-cultural contexts, his unique perspective on breathing as a spiritual practice, and his inspiring vision for rehabilitating those struggling with addiction. His story reminds us that true purpose emerges when we focus on giving rather than receiving.🔗 Website and Social Links:Please visit Tommy Kilpatrick’s website and social media links...
2025-08-031h 04
Mind Over MatterDebt, Sovereignty & The Legal Loopholes Banks Don’t Want You to Know — Tommy A. KilpatrickIn this explosive episode of Mind Over Matter, we meet Tommy A. Kilpatrick—a former teacher, farmer, and author—who voluntarily took a vow of poverty to uncover the truth about the financial system. After racking up over $85,000 in credit card debt due to a canceled publishing deal, Tommy refused to play by the banks’ rules. Instead, he took on the system pro se, filing federal lawsuits without legal counsel—not to win in court, but to prove a point. His mission? To reveal the fraud he believes underpins the modern credit system.
Tommy breaks down how alleged...
2025-07-3020 min
Healing For The SoulNuking Your Credit Card Debt: Is It Moral?🎙️ Healing for the Soul Podcast | Season 6: Episode 20Guest: Tommy Kilpatrick – Author, Financial Educator, and Debt Disruption AdvocateTopic: Nuking Your Credit Card Debt: Is It Moral?What happens when your dream turns into an $85,000 credit card nightmare?Tommy Kilpatrick shares his wild journey from book success to financial collapse and how he fought back using his knowledge of finance and banking law.In this eye-opening episode, Tommy dives into:💳 The difference between true credit card debt and alleged debt📜 Why your bank might not have a legal invoice or lo...
2025-07-2754 min
GrownlearnThe Debt Illusion: What Banks Won’t Tell You About Your Credit Card DebtWhat if your credit card debt... isn’t really debt? 🤯
In this mind-opening episode of the Grownlearn Podcast, Tommy Kilpatrick reveals the illusion behind credit cards and how he legally eliminated $85,000 in bank-issued credit card debt — not by filing bankruptcy, but by exposing how banks actually operate.
Tommy shares how banks issue “credit” without a real loan or signed promissory note — and why that means you may not legally owe them a thing. He takes us deep into the world of legal definitions, Federal Reserve documentation, and powerful court cases that challenge the very foundation of consumer debt.
If you’ve ever felt tr...
2025-07-2452 min
Ask Good QuestionsCredit Card Confusion - the Illusion of Credit Card DebtWhat if your credit card "debt" isn't legally what you think it is? In this episode, we explore how banks create the illusion of money owed, & why the paperwork behind your plastic might not add up. Join Bonita & credit card expert Tommy Kilpatrick, as we unpack the legal & financial framework behind credit cards, revealing how banks create obligations out of thin air—and why you may have more power than you think. Watch out! You may get your paradigm shifted!Ask Good Questions is broadcast live Wednesdays at 6PM ET on W4CY Radio (www.w4cy.com) pa...
2025-07-2445 min
MBP (Murder, Blood, & Psychopaths)Episode 109-The $1.3 Trillion Lie: Exposing the Myth of Credit Card Debt with Tommy Kilpatrick🎙️ EPISODE 109 TITLE: The $1.3 Trillion Lie: Exposing the Myth of Credit Card Debt with Tommy Kilpatrick 💥 DESCRIPTION In this explosive episode of Murder, Blood, and Psychopaths, we welcome Tommy Kilpatrick, author of Forgive and Forget: How to Nuke Your Credit Card Debt. Buckle up as Tommy delivers a shocking revelation: what you've been told about your bank-issued credit card debt may be completely false. After racking up $85,000 in alleged credit card debt from a failed infomercial contract and no earnings to show for it, Tommy took matters into his own hands. Armed with knowledge from his CPA...
2025-07-2145 min
The Joe Rooz ShowFrom Corporate to Coaching: Sasha Eburne's Journey and Financial Insights with Tommy Kilpatrick (Ep. 123)First hour guest: Sasha Eburne. A powerhouse business coach, NLP practitioner, and the voice behind The Sasha Eburne Show. After a 20-year career in corporate business management, Sasha went "all in" on her own virtual assistant business, scaling from zero to a national team of 15 in just six months. Now she mentors ambitious women worldwide to step into their CEO era and build businesses that work for their lives, not the other way around. If you've ever wondered what it takes to leap with confidence, scale with strategy, and lead with heart—you’re in for a treat....
2025-07-172h 12
Harmonious at LunchIs Bank Credit Card Debt a Scam? A 45-Day Removal StrategyIs the $1.3 trillion in bank-issued credit card debt weighing down business owners a legitimate obligation, or is it based on a systemic banking fallacy? Tommy Kilpatrick, an author and entrepreneur with a background in accounting, joins Harmonious at Lunch to present a startling claim: your bank-issued credit card debt may not be a real debt at all.After being left with $85,000 in credit card debt from a business deal gone wrong, Tommy challenged the banks in federal court. He argues that without an invoice or a signed promissory note, banks have no legal standing for the debt...
2025-07-1424 min
Keeping It Reel Podcast w/Sweet TDebt to Domes: Freedom & Tech with Sweet TDebt to Domes: Freedom & Tech with Sweet TEscape credit card debt, master debt relief, and explore dome building. Sweet T shares tech-driven solutions for financial freedom and sustainable living. Keywords: debt relief, credit card scam, dome houses, tech innovation.Join Tech Time with Sweet T for a transformative journey from crushing $85,000 credit card debt to building innovative bamboo dome houses in the Philippines. Tackle financial stress, embrace sustainable living, and discover tech-driven solutions to empower your life.Chapter Markers with TimestampsConquering Credit Card Debt (0:00 - 9:02)Exposing Bank Practices (9:02 - 24:44)Sustainable Dome Construction (29:42 - 36:30...
2025-07-081h 05
True Crime, Authors & Extraordinary PeopleUnpacking Credit Card Debt: Tommy Kilpatrick's Fight Against Banking Flaws and His Path to Empower OthersWhat if you could challenge the very system that has kept you in debt? Join us in this riveting episode of True Crime, Authors & Extraordinary People as host David McClam sits down with Tommy Kilpatrick, a retired American living in the Philippines, who has taken on the banking industry and emerged with groundbreaking insights. With a rich background in abnormal psychology and accounting, Tommy has dedicated his life to helping others navigate the murky waters of financial distress through innovative agricultural and healthcare initiatives. Tommy's journey is not just...
2025-07-0653 min
Project Third-Eye Opened“Is Your Credit Card Debt Even Real? Tommy Kilpatrick Says ‘Prove It.’”What if that mountain of credit card debt... isn't actually yours to repay? Tony hosts Tommy Kilpatrick, who challenges the legitimacy of bank-issued credit and why it might be more "alleged liability" than legal obligation. From contract law to consumer protection blind spots, this episode delivers eye-opening insight for anyone questioning the system.Perfect for truth-seekers, legal skeptics, and debt-weary listeners ready to think twice.
2025-07-061h 08
Julio Verissimo Live Show🎙️🌍 Julio Verissimo Live Show & JV Vibes Radio Presents: A Conversation with Julio Verissimo and Tommy A. Kilpatrick — Unmasking Debt, Exposing Financial Myths & Living with Purpose🔎 Unmasking Financial Myths on the Julio Verissimo Live Show — A Deep Dive into Debt Relief with Tommy A. KilpatrickGet ready for a powerful and paradigm-shifting episode of the Julio Verissimo Live Show on JV Vibes Radio. This week, we welcome Tommy A. Kilpatrick, a voice of disruption in a world buried under $1.3 trillion in alleged credit card debt—and a man who walks his talk with conviction, courage, and compassion.From a double major in Abnormal Psychology and Accounting to living a decade under a vow of poverty, Tommy’s story spans courtroom battles, spiritual awakenings, and grassroots empowerment. Once a ra...
2025-06-251h 25
Julio Verissimo Live Show🎙️🌍 Julio Verissimo Live Show & JV Vibes Radio Presents: A Conversation with Julio Verissimo and Tommy A. Kilpatrick — Unmasking Debt, Expos🔎 Unmasking Financial Myths on the Julio Verissimo Live Show — A Deep Dive into Debt Relief with Tommy A. KilpatrickGet ready for a powerful and paradigm-shifting episode of the Julio Verissimo Live Show on JV Vibes Radio. This week, we welcome Tommy A. Kilpatrick, a voice of disruption in a world buried under $1.3 trillion in alleged credit card debt—and a man who walks his talk with conviction, courage, and compassion.From a double major in Abnormal Psychology and Accounting to living a decade under a vow of poverty, Tommy’s story spans courtroom battles, spiritual awakenings, and grassroots empowerment. Once a radio g...
2025-06-251h 25