Banks break the Truth in Lending law by not fully disclosing to the public what they are doing, specifically creating money out of thin air using your signature. Bottom line, they are not loaning you their own depositor’s money, they are creating it out of thin air, therefore there is no debt. This is powerful information that everyone should know, and it will empower you to move forward with the legal debt relief options available to you through FFN. Of course, we also educate our clients so they fully understand how and why our proprietary program works. Focus on the US Banking laws and you'll soon see that everything we say is true. You will then begin to understand exactly what your rights are and why credit card companies must answer your very specific questions. The law is on your side! 

We base everything on Federal Laws, U.S. Supreme Courts decisions, Title 15 United State Code (USC) section 1692, the Fair Debt Collections Practices Act, section 1601, the Fair Credit Billing Act, the Uniform Commercial Code (UCC), section 203, and numerous Banking and Lending laws. There are many cases that have already been decided on when it comes to the issues of "money", "credit", and "banking". The collection of interest on credit issued by a bank or a credit card company is in direct violation of all usury laws. The laws are very specific concerning the corporate authority of banks and credit institutions.
 
Read the Fair Credit Billing Act and the Fair Credit Reporting Act. Read Title 15, 1666 and 1692. These documents are extremely educational and highly informative.

Contract law states:
Two Parties Must Be At Risk. Your bank enters into a contract with you and doesn't take on any risk because they don't lend you depositor’s money, they create it out of thin air. You are the only one at risk. This violates contract law. They charge you interest on an alleged loan which is against Usury laws. They don't provide Full Disclosure in their contract explaining how they create a promissory note using your signature.