Debt, Freedom & Language: Rethinking Credit Cards and Contracts — with Tommy Kilpatrick

On 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

Tommy Kilpatrick is an author and educator who openly shares his debt story, legal and accounting arguments about bank-issued credit cards, and the spiritual practices that helped him reset his life. He now speaks about mindset, language, and personal responsibility in money matters.

Key takeaways:

• Debt feels absolute when fear leads; naming what’s happening clearly (statement vs. invoice, contract vs. assumption) can restore agency.

• Language shapes outcomes: precise terms and documented evidence matter when disputing charges or correcting records.

• Don’t ignore legal process: if sued, respond on time and seek licensed counsel; default judgments happen when you stay silent.

• Emotional regulation is financial strategy: breathwork, pausing, and values-based intention help you make safer decisions.

• Know the difference between true secured loans and revolving lines; documentation and signed promises carry legal weight.

• Pay attention to fees and terms; avoid carrying balances when possible, and verify any claim in writing.

• Spiritual reframes (purpose, responsibility, service) can keep you steady while you do the practical work (budgets, negotiations, credit report checks).

• If overwhelmed, take one safe first step: pull your credit reports, list every account, and book a session with a qualified attorney or CPA to review your specific situation.

• “All you need to do is send a letter to the bank … and that is how you can not get out of debt. It’s not a debt.”

• “There is no loan.”

• “You never want to pay them any interest.”

• “I have discovered a worldwide bank fraud …”  We present these as the guest’s opinions, not recommendations. Listeners should consult a licensed attorney/CPA before acting.

How to connect with the guest

• Book a free 15-minute consultation: https://www.diy-debtrelief.com/

• Facebook: https://www.facebook.com/profile.php?id=61571446316625 

• Book: Forgive and Forget: How to Nuke Your Credit Card Debt (free with consultation)

• Amazon Book: https://www.amazon.com/dp/B0D1DV398C?ref_=cm_sw_r_ffobk_cp_ud_dp_TABG4YT3DN97G3VGCE7F. 

  Email:  [e-mail]

• Message from the guest:

  "Please don't shoot the messenger. I see myself as the accountant who discovered this massive bank fraud. Not unlike this guy: Newsweek: https://www.newsweek.com  › letitia-james-fraud-accusation Apr 24, 2025 — Sam Antar, the financial expert who accused New York Attorney General Letitia James of mortgage fraud, released new documents this week as part of his ...

  1.⁠ ⁠Banks don't lend money:  https://www.educatedinlaw.org/2017/03/banks-dont-take-deposits-banks-dont-lend-money/# 

  2.⁠ ⁠Banks must have a promissory note for the bank to grant a loan. https://upload.wikimedia.org/wikipedia/commons/4/4a/Modern_Money_Mechanics.pdf 

  The Federal Reserve says the only way a bank can make a loan is if you first sign a promissory note to pay and the bank will enter numbers in your free checking account.  Page six, right column, second paragraph, second line.

  3.⁠ ⁠Fraud undoes all contracts. https://casetext.com/case/vokes-v-arthur-murray-inc 

  The bank says you used the card, therefore you are contracted to our terms and conditions, but Hirschman v. Hodges, etc., (1910) In this case, the Florida Supreme Court found that a contract could be rescinded based on fraudulent misrepresentation.

   

  Banks match your deposits and all you have to do is to withdraw it and close the account; the