What if your credit card debt... isn’t really debt? 🤯
In this mind-opening episode of the Grownlearn Podcast, Tommy Kilpatrick reveals the illusion behind credit cards and how he legally eliminated $85,000 in bank-issued credit card debt — not by filing bankruptcy, but by exposing how banks actually operate.
Tommy shares how banks issue “credit” without a real loan or signed promissory note — and why that means you may not legally owe them a thing. He takes us deep into the world of legal definitions, Federal Reserve documentation, and powerful court cases that challenge the very foundation of consumer debt.

If you’ve ever felt trapped by credit cards, overwhelmed by balances, or suspicious about how the banking system works… this episode is for you.

🔍 You’ll learn:

    The difference between real vs. fraudulent credit

    Why most credit card debt is technically unsecured and undocumented

    How banks profit from illusion, not actual lending

    Legal strategies to challenge false debt and clean up your credit

    How Tommy helps others fight back — and why he’s not afraid to expose the truth

Plus, we talk about his humanitarian projects in the Philippines — building bamboo dome homes and launching community healthcare clinics with futuristic tech.

Book: Forgive and Forget How to Nuke Your Credit Card Debt. Please review:  https://designrr.page/?id=450370&token=3112357095&h=6546    Amazon: Don't believe anything in this book. Take this book to your CPA and have s/he read the chapter “Act 1 Scene 1”, and hear from their own lips, that the bank could never issue a true credit card. This may be the first time your CPA has ever realized that their own bank-issued credit card is in reality a debit card.
--------------------------------------------------------------------------------------------------------------------------------------------------

Want to unlock More Business Tools and Expert Advice? Check out this playlist on Grownlearn: https://www.youtube.com/playlist?list=PLTJlaeHk03J1EXRVuoR-UnjoEu9mGegyh

About Grownlearn:
Welcome to GrowNLearn, where innovation meets expertise in business growth, business transformation, and leadership development. We empower entrepreneurs and business leaders with data-driven insights and tailored strategies that drive success. Whether you’re looking to scale your business, develop a success mindset, or learn how to grow a startup, GrowNLearn is your trusted partner in navigating today’s competitive market. 

Connect with Us: 
Website: https://grownlearn.org/
Podcast Page: https://grownlearn.onpodium.com/
Apple Podcast/i-tunes: https://podcasts.apple.com/at/podcast/grownlearn/id1515759956
Soundcloud: https://soundcloud.com/grownlearn
Spotify: https://open.spotify.com/show/1bUIDGbSQl4BlHeNeeJfva

Follow Us on Social Media: 
Linkedin Page: https://www.linkedin.com/company/grownlearn
X.com: https://x.com/grownlearn1729
TikTok: https://www.tiktok.com/@healnlearn_grownlearn
IG: https://www.instagram.com/healnlearn_grownlearn/
HealnLearn Channel - Success Mindset: /@healnlearnLinkedIn: /grownlearn X (Twitter): https://x.com/grownlearn1729 TikTok: /healnlearn_grownlearn Instagram: /healnlearn_grownlearn 
HealnLearn Channel - Success Mindset: /@healnlearn 

Additional Resources FREE LinkedIn Profile Audit: 👉 https://ps.linkedvanow.com/r5wgf 
AI-Powered Lead Generation: Create a constant inflow of qualified leads with our advanced AI tools paired with expert human lead nurturing: 👉 https://ps.linkedvanow.com/tjnia9mrkt85

The Debt Illusion: What Banks Won’t Tell You About Your Credit Card Debt

Grownlearn is a dynamic and insightful podcast that delves deep into the world of business model transformation. Hosted by seasoned professionals with a passion for innovation, the podcast features engaging interviews with the foremost experts in the field. Each episode invites listeners to explore the strategies, challenges, and successes of businesses that have undergone significant transformations. From disruptive startups to established enterprises, Grownlearn provides a platform for the best minds in the industry to share their experiences, insights, and lessons learned. Whether you're an entrepreneur, business leader, or simply intrigued by the ever-evolving landscape of business, Grownlearn delivers thought-provoking conversations that inspire and inform. Tune in to stay ahead of the curve and discover the keys to unlocking growth and success through transformative business models.