How is this Legal?

This process follows commercial law, which is uniform worldwide and governs commercial transactions and contracts. Our documents help you ask questions and make claims against the bank under notary witness. A notary is a magistrate of the court and an impartial witness in the dispute and can issue an administrative judgment. The judgment is prejudicial and stands in the public courts.

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1601, 1692 et seq., this constitutes timely written notice of the entire amount of the alleged debt. If the lender  fails to validate the debt, then a discharge and cancellation of that debt in its entirety, without dishonor, can be made on the grounds of breach of contract, false representation, and fraud in the inducement.

15 U.S.C. § 1692 (e) states that a “false, deceptive, and misleading representation, in connection with the collection of any debt," includes the false representation of the character or legal status of any debt and further makes a threat to take any action that cannot legally be taken a deceptive practice.

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