DebtBust Application & Sample Letters (and circumstances)

You can ALWAYS download the latest version of the Application here (use this if the Update is no longer available)

The latest Version is: 1.31  [06JUl2012]

Please Note [31JAN2011]: Due to the ducking, diving, and weaving, over the last year or so (in order to maintain the FMOTL website in a safe place), changes of Server Hosts have rendered the "Check for Updates" facility inoperable. (The Application needs to know where it comes from, and currently it isn't quite sure, so it says "No Update is available at this time"). Thus: The above is the only way to gain an Update. As time permits, this may be corrected, and the internal Update facility restored.

It's a Windows Application - free to use for as many people as you wish to use it for. (See Mac Issues, below)

Save that Setup anywhere you wish ... and run it to create the Installation. Select the "Full Installation" option. It comes with a Help File (readily accessible), and will de-install via Add/Remove Programs ("Templated Debt Busting System").

Included is a demonstration User, some Protagonists, a demonstration Matter, and demonstration Matter Histories ... including the letters it generates. (Use the Help to find out how to operate it all).

Upon installation, it inserts a Shortcut in your StartUp, so as to scan for "reminders" whenever you start up your computer. (This is to remind you that a Protagonist's 'time' has run out, and that you can create the next History. A History = A Letter. A Matter = a series of Letters)

To check for updates, click the "About" button on the first screen, and then use the "Update?" button to check for updates. Whenever an update exists, you will be offered to chance to download & install it when you Exit the program. When installing an update, choose the "Update" option to preserve any usage you may have made of the Application. 

Follow your nose.  

 

Vista Issues (with thanks to _K_ for this information)

It would seem that it works when you run the program in compatibility mode for Windows 2000.

(This, in turn, seems to run Word also in compatibility mode)

You can either right click on the DebtBust_Win32_setup.exe file and then, under the "Compatibility" Tab, click "run as Administrator" and "run in Compatibility Mode for Windows 2000".

If this does not work then, after installation, start the "Program Compatibility Wizard" (this can be easily found searching Windows Help and Support Centre). You will need to browse to the appropriate C:\Program Files\DebtBust Folder and select the Application Executable: DebtBust.exe

Run the program again as Administrator and under Compatibility Mode for Windows 2000. 

FYI: The Setup should create Folders like this: 

Once again we offer our undying thanks to the Lord God Micro$oft for this latest load of crap + fuck-up. Sue me, Bill ... and I'll explain that when you said "There's nothing like a nice piece of code" ... your so-called Operating Systems are, indeed, "Nothing like a nice piece of code" (and never have been). And that your one, single, contribution to the Art of Computing was to be able to foist crap on an unsuspecting public, and take no responsibility for it. (Micro$oft Support: "Oh ... just tell them to re-install!")

 

Mac Issues (with thanks to 1965freeman for this information)

Most modern Macs use Intel Processors (older ones didn't). The newer (Intel) ones come with a piece of software called "Boot Camp" (which is equivalent to "BootMagic" ... part of PartitionMagic ... for PCs. Also known as an OS/2 Boot Manager).

Installing this kind of Boot Manager can create a Windows Operating System Partition that co-resides with a Mac Operating System Partition (areas on the hard drive are allocated to each OS, independently).

If you do this ... or can arrange someone to do this for you, then you can run each kind of OS by simply choosing which one when booting. When running Mac OS, it won't see the Windows OS ... and when running the Windows OS, it won't see the Mac OS.

I use this myself to get a Win98, MS-DOS and WinXP boot choice.

The other way to do it, on a Mac, is to install a piece of commercially-available software called "Parallels". However a computer will struggle to run "an OS within an OS" (particularly when one of them is Windows ... which is always a struggle ... at the best of times).

(What this all means, btw, is that there is no such thing as a "Mac" ... or a "PC", as distinct. All there is ... is an Intel-based Computer. Yet ANOTHER Grand Deception! So an Intel-based Mac OS could be partitioned on to a PC! This was not the case in the early days, when Macs used Rockwell Processors)

 

Notes about the Samples, below:

1. If you feel 'guilty' about stonewalling so-called 'debts', then read this first.

2.  The term "Debt Collection Agency" includes Solicitors and Bailiffs.

3. These letters contain 'dummy' information which includes (for example) text such as "Previous Notice Title". This would, in practice be auto-replaced by the actual title of the previous Notice. These samples have to be read in that light.

4. The Category Titles, at the top of cells in the left-hand column, correspond to the names of Categories in the DebtBust Application - from Version 1.20 onwards. A DebtBust Protagonist is selected by these Categories.

Category

Circumstance

Sample

'Lender': Demand received. Threatening recovery action.

This letter is for the circumstance where a Bank has started to become difficult, and is threatening either legal action, or putting it in the hands of a Debt Collection Agency.

But has not yet actually done so.

If you just let them go ahead (they will have to use a DCA, because they will not go to Court themselves ... they do not like "getting their hands dirty").

Then the DCA can be repulsed with the corresponding series (see below). Once the DCA backed off, most of us would have the confidence to pursue the Bank itself, and turn the tables. 

Notice and Demand: Here you are writing to a 'Lender' (e.g. a Bank) with a Notice, demanding that they offer you some proof that they have right to ask you to 'pay' them anything.

 

Letter

 

ditto above

Notice and Demand: Here you are writing to a 'Lender' (e.g. a Bank), pointing out that the Debt Collection Agency has backed off because they have not been able to show - with cast-iron proof - that you actually owed anything in the first place.

So you are now sending the 'Lender' a Notice, demanding that they offer you some proof that they have right to ask you to 'pay' them anything.

Letter

ditto above

Notice of Fault: Here the ‘Lender’ is at fault, because they have not proved you 'owe' them anything.

Letter

ditto above

Notice of Default: Here the ‘Lender’ is at DEfault, because they have still not proved you 'owe' them anything.

Letter

ditto above

Final Notice: This is the last chance a 'Lender' gets such as to prove you own them something.

Letter

Debt Collection Agency: Attempting to make demands as Agents for a 'Lender' or Utility Company, etc.

Here a 'Lender' considers you owe them 'money', and have reached for Debt Collectors. This is the initial response to the Debt Collectors. 

Notice and Demand: Here you are writing to them with a Notice, demanding that they offer you some proof that they have right to ask you to 'pay' them anything - let alone to them!

Letter

ditto above

Notice of Fault: Because they have not proved that you 'owe' them anything - let alone to them!

Letter

ditto above

Notice of Default: Because they have not proved that you 'owe' anything - let alone to them!

Letter

ditto above

Final Notice: They have not proved that you 'owe' them anything. And thus their original demand to 'pay' them something was FRAUDULENT. And, by now, they have admitted that - by not offering any substantial argument to the contrary.

Letter

'Lender': Demand received. Threatening recovery action.

'Lender': Demand received. Has attempted recovery action, via Debt Collection Agency, and failed.

Debt Collection Agency: Attempting to make demands as Agents for a 'Lender' or Utility Company, etc.

This Category is for 'Lenders' (of all kinds) and Debt Collection Agencies.

Notice of Unresponsive Reply: A 'Lender', or Debt Collection Agency, has written back a load of insubstantial waffle (which is all they are capable of doing, because your demands are unanswerable).

This is your response, TO ANY LETTER RECEIVED BACK, from either a 'Lender' or a 'Debt' Collection Agency, telling them to have another go, until their time for offering proof in substance runs out.

Letter

Local 'Authority': Penalty Charge Notice received. Rebuttal.

This Category is for Local 'Authorities' sending Penalty Charge Notices, quoting 'Statutes' (and corresponding 'obligations'. Usually under some absurd Legalese called a "Traffic Management Act").

Notice of Rejection for Cause, without Dishonour: This is your response explaining that WITHOUT YOUR EXPRESS CONSENT - WHICH THEY DO NOT HAVE - they have no right to assume you are a Member of the Society to which their quoted 'Statutes' apply. 

Letter

ditto above

Notice of Insubstantial Reply: This is a response to a reply (from the Local 'Authority') talking irrelevant and inconsequential waffle about "Statutes", telling them to have another go, because they have not offered and proof in substance that they have the right to place any demands on you. You will have already explained, in the first letter, that Statutes only apply to Members of any Society, and that they need to prove you are a member of that Society.

Letter

Police 'Authority': Penalty Charge Notice received. Rebuttal.

This Category is for Police 'Authorities' sending Penalty Charge Notices, quoting 'Statutes' (and corresponding 'obligations'. Usually under some absurd Legalese called a "Traffic Management Act").

Notice of Rejection for Cause, without Dishonour: This is your response explaining that WITHOUT YOUR EXPRESS CONSENT - WHICH THEY DO NOT HAVE - they have no right to assume you are a Member of the Society to which their quoted 'Statutes' apply. 

Letter

ditto above

Notice of Insubstantial Reply: This is a response to a reply (from the Police) talking irrelevant and inconsequential waffle about "Statutes", telling them to have another go, because they have not offered and proof in substance that they have the right to place any demands on you. You will have already explained, in the first letter, that Statutes only apply to Members of any Society, and that they need to prove you are a member of that Society.

This response is specially 'geared' to point out to the Police that (a) They have no undue 'authority' (over and above PEACE KEEPING), and (b) That they work for a private company, claiming limited liability, and attempting to make a profit for Shareholders. And that must be the case because, if they have enough sense to investigate, they can get a Credit Report on themselves - from Dun & Bradstreet.

Letter

Court 'Authority': Court Order received. Rebuttal.

This Category is for Court 'Authorities' sending Liability or Collection Order demands, based on some absurd Legalese (of various kinds).

Someone ('Agency', 'Authority') has rented a Court, and the Magistrates, and obtained a rubber-stamped Order against you, and in their favour. They are expecting you roll over, play dead, and pay up like the good moron they expect you to be.
Notice of Receipt of Order and Offer to Service: Here you are writing back pointing out that EVERY Order is CHARGEABLE, at the rate set by whoever carries out ('services') the Order.

Since they expect you to service the Order, it's up to you to decide how much to charge them.

This letter says that you will charge 50 Debt Notes (in your local currency) MORE than they are demanding of you.

This letter contains the Offer to do that - telling them to send 50 Debt Notes MORE than they want, and that you will send back what they want. (There are generally no takers for this kind of Common Law Contract).

(The additional 50 Debt Notes are your Commission/Handling/Processing Charges).

Letter

ditto above

Notice of Insubstantial Reply: This is your response, telling them that you made an Offer to Service their Order, and they have not accepted it. Thus you consider their Order is retracted.

Letter