The Debt Jurisprudence™ process is not debt invalidation.

Debt invalidation, also known as debt elimination, debt resolution, debt reconciliation and debt termination, is based upon a dishonest and unethical theory that banks are not legally permitted to extend credit, thus no money is owed and the debt is invalid. Although it is true that banks are not permitted by law to extend credit, they are permitted to legally monetize credit card and other unsecured loan applications through the Federal Reserve to achieve the same objective.

Contrary to claims made by the few organizations and conspiracy theorists promoting this bogus concept as a means of eliminating credit card debts, and despite what you may have read or were told, when a bank extends credit to you, the debt is legitimate and you are obliged to repay them. For example, if you use a credit card to purchase dinner, gasoline or an appliance for your home, do you really believe that you do not have to repay the debt?

Michael D. Johnson, an associate with the Balogh Becker, Ltd. law firm in Minneapolis,  Minnesota wrote about this topic in an article entitled "The Ostrich Defense: Internet Scams in Consumer Credit Collection" published in the Official Publication of the Minnesota State Bar Association in 2004. It can be reviewed in its entirety by clicking here (a new window will open).

The Debt Jurisprudence™ process does incorporate several components which are applied to to legitimately dispute, document, audit and aggressively pursue debt claim irregularities and violations of Federal and State laws committed by original creditors, debt collectors and credit reporting bureaus.