{"id":24848,"date":"2023-06-21T13:24:40","date_gmt":"2023-06-21T17:24:40","guid":{"rendered":"http:\/\/privacyfight.io\/?page_id=24848"},"modified":"2023-11-19T07:49:19","modified_gmt":"2023-11-19T12:49:19","slug":"summary","status":"publish","type":"page","link":"https:\/\/privacyfight.io\/summary\/","title":{"rendered":"Video Series Summaries – Premium"},"content":{"rendered":"\t\t
P1 \u2013 Overview<\/strong> –\u00a0 Watch Now<\/b><\/a><\/p> John Jay Singleton’s course “Privacy Fight” offers an in-depth exploration of various strategies to manage debt, minimize personal financial risk, and promote financial autonomy. Singleton has devised these strategies over his 25-year career, working on everything from consumer and small business debt to the use of cryptocurrencies.<\/p> Singleton believes that the consumer debt system is fundamentally flawed, designed to push and exploit individuals into long-term, life-lasting debt. He embarked on a journey to reverse-engineer this system and through extensive research, he developed unique methods to tackle these issues. He offers advice on restructuring cash flow, using various sections of the Internal Revenue Code to reduce debt burdens, and various ethical strategies to help people regain control of their finances.<\/p> He emphasizes that one should own nothing but control everything – reducing liabilities by owning fewer things while managing more assets. Singleton discourages the use of long-term debt like 30-year mortgages, citing their exploitative nature. He promotes credit repair and business credit usage as part of a larger plan to achieve financial freedom.<\/p> Singleton shows his clients how to devise strategies for joint ventures based on their proficiency and interest. He supports bootstrapping and advocates for less dependence on external funding. He aids his clients in identifying opportunities and potential assets they may have overlooked. His strategies aim to help people navigate the financial world with increased confidence and less dependency on external parties.<\/p> Singleton acknowledges the growing importance of cryptocurrencies, viewing them as just another asset class with its own set of risks. He warns against the tendency to over-tax cryptocurrency transactions and proposes ways to move the value of cryptocurrency into new assets, all within the legal framework.<\/p> Finally, Singleton talks about the legal framework for establishing businesses, explaining how Limited Liability Companies (LLCs) can be used for asset protection. He emphasizes that an LLC’s operating agreement, not the articles of incorporation, govern its functioning. This approach can provide a great deal of flexibility, making it a tool for risk management and asset protection.<\/p> In conclusion, Singleton\u2019s course provides a comprehensive overview of unconventional yet effective methods to tackle debt, manage assets, and navigate the financial landscape with a strong focus on personal autonomy and ethical practices.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P2 \u2013 How To Set Up Your LLC<\/strong>\u00a0 \u2013 Watch Now<\/b><\/a><\/p> “P2 \u2013 How To Set Up Your LLC \u2013 Privacy Fight” provides a comprehensive guide on establishing a limited liability company (LLC) effectively, focusing on privacy and legal compliance. The document starts by emphasizing the importance of understanding the finer details of setting up an LLC, beyond the basic online registration process. This includes crafting an operating agreement and establishing a set of rules and procedures that govern the company.<\/p> The author encourages setting up LLCs in ways that maximize the benefits of legal protection and privacy, even advocating for organizing the company in states other than the business owner’s residence. In this regard, New Mexico is presented as a potential option due to its favorable business environment. Procedures for registering an LLC in this state are outlined, including the need to fill a specific postal form (form number 1583).<\/p> The document discusses banking considerations, including the necessity of a California ID for Californians looking to open an LLC account in New Mexico. The writer explains the flexibility and control an LLC owner can maintain over their company, even when letting the charter be revoked or expire by the state due to non-payment of annual fees.<\/p> The registration process with the Secretary of State for the chosen state is then explained, emphasizing the need for accuracy in providing personal and company details. The author goes on to suggest a somewhat controversial method of bypassing the need for a registered agent, which usually requires an additional fee.<\/p> The writer offers advice on filling out the company charter, including choosing a perpetual term and maintaining a generic company purpose statement. The reader is encouraged to appoint themselves as the sole managing member and registered agent to maintain maximum control over the company. The document wraps up with some tips on how to handle interactions with banking personnel during the account opening process, with a focus on ending the conversation quickly to minimize scrutiny.<\/p> The piece concludes by emphasizing the non-taxable status of an LLC and the absence of an obligation to pay wages or report on W2s. Also, the reader is advised to keep detailed records of all company activities and transactions, possibly by hiring an accountant when necessary. Finally, the importance of a comprehensive operating agreement is re-emphasized.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P3 \u2013 Using Your LLC \u2013 Part 1<\/strong> – Watch Now<\/b><\/a><\/p> The video discusses the use of a limited liability company (LLC) in relation to cryptographic currency. The LLC serves as a means to protect assets and facilitate cash flow with other assets. The necessary documents for establishing an LLC include the banking resolution, Operating Agreement, and certificate of beneficial interests. These documents ensure authorization for signing on behalf of the company and certify ownership interests. The discussion emphasizes the importance of understanding the blockchain tax immunity trust, which applies to cryptographic currency held within exchanges. Moving funds out of the exchange voids the trust.<\/p> The LLC can be established as a single-member or multi-member entity, depending on the need to separate the company from the signer. It is recommended to have multiple members in situations involving active levies or judgment liens. The LLC’s purpose, as stated in the articles, typically includes “all lawful purposes,” and it can specifically mention real estate investing to comply with certain state requirements. The LLC’s purpose declaration is crucial when opening a bank account or dealing with third-party accounts related to cryptographic currency.<\/p> Tax filings for the LLC are minimal, and it generally operates as a pass-through entity, not requiring the filing of reports or tax returns. However, accurate accounting is essential for proper business management. The LLC can provide tax benefits, but it is advised to focus on using the company for its intended purposes before considering tax advantages. The abstract, which is used to open a bank account, can also be used for other third-party accounts.<\/p> When engaging in transactions involving cryptocurrency, such as purchasing or financing real estate, qualified escrow agents are recommended. Qualified escrow contracts comply with tax rules and offer certain benefits. The LLC owner can negotiate discounts on financing terms or paper assets when acting as the lender through the LLC. It is crucial to maintain privacy and limit the disclosure of certain information, while still complying with legal requirements.<\/p> Regarding residency, the LLC can operate without being tied to a specific state residency, allowing for greater privacy and flexibility. By using alternative addresses and trade names, individuals can enhance their privacy and protect personal information. The discussion encourages careful consideration of mail delivery practices to maintain privacy and avoid potential risks.<\/p> Overall, the executive summary highlights the key aspects of using an LLC for cryptographic currency, emphasizing asset protection, cash flow management, tax implications, privacy considerations, and the importance of proper documentation and compliance with regulations.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t P4 \u2013 Using Your LLC \u2013 Part 2<\/strong>\u00a0\u2013 Watch Now<\/b><\/a><\/p> This discussion revolves around the strategic use of an LLC, specifically with regard to privacy, tax implications, and the management of cryptographic currencies. A significant focus is placed on avoiding unnecessary disclosure of information by using a company name as a trade name on the form 1583, and the potential benefits of employing re-mailing services for enhanced privacy.<\/p> The discussion then pivots to address the benefits of not filing a tax return for an LLC. The presenter argues that not filing avoids the creation of a reconciliation process and accounting ledger with the IRS, and that this is especially beneficial for LLCs dealing in cryptographic currencies due to current ambiguities in tax laws surrounding such assets.<\/p> The argument is made that current tax regulations do not have the infrastructure to properly tax cryptographic currencies unless converted to US dollars. Furthermore, it’s argued that the transfer of crypto from wallet to wallet, if the wallets are both owned by the same entity, does not constitute a taxable event.<\/p> In terms of moving profits, the speaker suggests setting up a company or another LLC for the purpose of managing larger purchases or debts rather than paying them directly, as this could create a taxable event.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P5 \u2013 How to Protect Your Wages<\/strong> \u2013 Watch Now<\/b><\/a><\/p> “Protect Your Wages: How to Stop an IRS Levy” provides guidance on how to prevent the IRS from levying an individual’s wages. The video instructs viewers on two crucial steps to follow to prevent the levy. Firstly, a person should request a collections due process hearing within 30 days of receiving the levy notice. This process is initiated by filling out IRS Form 12153, readily available online. If the IRS still insists on the levy, the individual can call upon the Problems and Resolutions Office, which is facilitated by completing Form 911.<\/p> The IRS will typically want to schedule a meeting following these actions. At this meeting, it’s beneficial to present an offer in compromise based on doubt as to collectability, which demonstrates that the individual doesn’t possess the ability to pay the amount due. This is executed using Form 656, along with Form 433 A or B, depending on the individual’s situation.<\/p> The video stresses that the IRS is a friendly creditor if approached correctly and with appropriate communication, as it bases collections on an individual’s ability to pay. The speaker also advises individuals to structure their assets or cash flow through a company. This doesn’t suggest hiding assets but organizing them in a manner that allows for a favorable outcome in negotiations with the IRS.<\/p> The video concludes by guiding viewers through the final steps of the IRS process, including the series of CP letters that are sent out. The speaker also gives some advice on property listing and financial planning, finally touching on the matter of cryptocurrencies which will be discussed further in another session.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P6 \u2013 Friendly Wage Garnishment<\/strong> \u2013 Watch Now<\/b><\/a><\/p> The video provided is an exploration of “friendly wage garnishment,” a version of equity stripping where wage garnishments are created in situations where it’s impossible to avoid levies against wages. It clarifies the difference between wages and 1099 payments, the latter of which are not technically considered wages and can be easily remedied by changing the payee on the form. It notes that, according to the Consumer Credit Protection Act, an employer cannot fire or penalize an employee for having wage garnishments.<\/p> The speaker argues that wage garnishment can make high debt as manageable as low debt, emphasizing that the amount of debt does not affect the garnishment amount. They also explain that paying off a debt doesn’t fix your credit, suggesting that it’s more beneficial to focus on cash flow and net worth building. Interestingly, they advocate for repaying personal debts to friends or family but suggest resisting repayment to banks, which they believe exploit people.<\/p> The speaker then introduces a method involving court action, where a friend files a lawsuit against you for a “stated account” \u2013 money supposedly owed. This process would involve filing several documents to the court, including a friendly lawsuit, a lehmann’s answer, and a motion for summary judgment. Once the judgment is granted, a wage garnishment can be set up, protecting your wages from other creditors.<\/p> The speaker mentions certain strategies to deal with existing garnishments, such as filing for bankruptcy to temporarily halt the garnishments and then quickly filing for a friendly garnishment once the bankruptcy is dismissed. The entire process is seen as a strategy to manage high debts and protect one’s income and net worth, even when faced with wage garnishment. However, the speaker encourages seeking professional advice and considering the unique laws of one’s state when attempting this method.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P7 \u2013 The Motion to Dismiss, How to Prepare\u00a0<\/strong>\u2013 Watch Now<\/a><\/b><\/p> The document titled “P7 \u2013 The Motion to Dismiss, How to Prepare \u2013 Privacy Fight” provides a detailed explanation of how to respond to a lawsuit by filing a motion to dismiss. The strategy outlined in the document is primarily aimed at unsecured debt collections, but it can also be used for other situations such as car loans or mortgage foreclosures.<\/p> The author emphasizes the importance of admitting each allegation in the complaint while asserting that the plaintiff lacks the right to sue and the court lacks jurisdiction. The document advises against making unsupported claims or irrelevant arguments, as judges tend to dismiss such arguments without legal merit.<\/p> The key approach recommended in the document is to criticize the allegations in the complaint. By pointing out inconsistencies or discrepancies, such as a contract with someone else’s name or a missing signature, the defendant can challenge the validity of the complaint. The document suggests that even if the motion to dismiss is initially denied, it can be reversed on appeal if the exhibit conflicts with the complaint’s allegations.<\/p> Additionally, the document addresses situations where the defendant is late in responding to the lawsuit or faces a default judgment. It advises requesting the court to set aside the default and permission to answer late, citing valid reasons such as excusable neglect or lack of proper service.<\/p> The document highlights the importance of demonstrating that the complaint fails to state a cause of action or claim upon which relief can be granted. By showing that the exhibit attached to the complaint does not align with the allegations, such as lacking a date, signature, or the defendant’s knowledge and consent, the defendant can argue for insufficiency.<\/p> Furthermore, the document briefly touches upon the importance of discovery and the timing of responses to maintain an advantageous position. It suggests starting discovery first to limit the opposing party’s options and frustrate their efforts.<\/p> Overall, the document provides a step-by-step guide for responding to a lawsuit through a motion to dismiss, highlighting strategies to challenge the plaintiff’s allegations, assert jurisdictional issues, and seek a favorable outcome. It emphasizes the need for careful editing and adaptation to suit specific cases while emphasizing the importance of furthering justice and eliminating risk.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P8 \u2013 Mailbox Privacy Part 1 \u2013<\/strong>\u00a0Watch Now<\/strong><\/a><\/p> This video provides a thorough explanation on how to establish privacy for one’s mailing address, especially in the wake of a sudden windfall or heightened security concerns. The video offers insights into the utilization of services like UPS and other virtual office spaces to redirect mail, thereby maintaining privacy. The use of a UPS store or other mailbox service is suggested, potentially in a different state, to receive mail instead of one’s personal address.<\/p> The host explains the process of filling out Postal Form 1983 to set up a private mailbox. The form requires identification such as a driver’s license, passport, or even a utility bill. The host emphasizes the importance of providing an alternative address, which could be obtained from public records, to maintain privacy.<\/p> The host also advises listeners to use a trade name or business name (which doesn’t necessarily need to be registered) rather than personal details when filling out the form. This allows mail to be received in a name other than one’s own, adding an extra layer of security.<\/p> In addition to a UPS store, the host also recommends getting a Post Office box closer to one’s location, with the only shared address being that of the UPS store. This is to ensure that, in case of forwarding, only the UPS store has the local P.O. Box details, and no one else.<\/p> The video concludes by discussing other strategies that one could adopt to enhance their privacy further and indicates that further videos will delve deeper into these methods.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P9 \u2013 Overview of a Lawsuit Process Part 1 <\/strong>\u2013 Watch Now<\/strong><\/a><\/p> This video provides an overview of how civil lawsuits typically progress and outlines general strategies to use if someone sues you or if you want to sue someone else. It explains that most cases are resolved via summary judgment. When you sue someone, you must have a valid reason, such as breach of contract, or civil claims like default on a loan. The speaker uses a scenario of Citibank suing an individual over an unpaid credit card bill to illustrate the process.<\/p> The video then proceeds to elaborate on different ways of presenting a debt case to the court, such as using a stated account, open account, breach of contract, or default on a loan claim. Each type of case has its own set of facts and burden of proof. The speaker goes into detail about the use of the stated account, a watered-down version of suing under breach of contract that became popular in the 80s and 90s.<\/p> The discussion then shifts to the strategies used to contest a lawsuit, such as filing a motion to dismiss the complaint for failure to state a cause of action or a claim on which relief can be granted. There is also a thorough discussion on how discovery is used to gather information to build a case or defense, often via interrogatories or requests for production. It’s explained that this process can set up a summary judgment.<\/p> The speaker details how to respond to requests for admissions, with caution to carefully review all documents from the opposition for such requests. The video also touches on legal technicalities such as who can represent a corporation in court – individual attorneys, not law firms.<\/p> The video describes how to use a motion for summary judgment, a legal tool that can quickly resolve cases without going to trial. It can be used if there are no genuine issues of material fact and the movant is entitled to judgment as a matter of law.<\/p> Finally, the video explores the stages of a lawsuit, from pretrial hearings to the trial itself. It also discusses the possibility of the plaintiff withdrawing the case close to the trial date and offers advice for those facing debt collection lawsuits. Post-judgment proceedings, such as discovery to uncover assets for debt recovery, are also covered.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P10 \u2013 Debt Collection Review<\/strong> \u2013 Watch Now<\/strong><\/a><\/p> John Jay, in a detailed discussion, explores how individuals can manage lawsuits specifically related to consumer debt, particularly small debts from unsecured credit card type debts. He analyses a case involving a defendant (debtor) and a third-party debt collector, emphasizing the significance of understanding the legal procedures to avoid panic when facing similar situations.<\/p> Jay then discusses the Fair Debt Collection Practices Act and its implications, suggesting that in most cases, the defendant should win. He critiques the case’s complexity, with multiple parties involved and no specific credit agreement identified in the case file. He asserts that the debt collectors often don’t have standing in these cases.<\/p> He emphasizes the importance of understanding privacy restrictions, particularly with regard to personal information. Jay suggests that defendants should impose restrictions on the use of their identifying information. He further discusses the strategy of drafting a motion to dismiss in response to a debt collection lawsuit.<\/p> Jay highlights the need for defendants to understand their case and the laws that apply to it, such as the pleading requirements. He advises against stressing over citations but recommends creating a strong legal argument. His overarching message is to ensure one is informed and prepared when dealing with such lawsuits to avoid panic and make the best possible decisions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P11 \u2013 PrivacyFight Interview Sued by Creditor! Vince knew what to do!<\/strong> \u2013 Watch Now<\/strong><\/a><\/p> In the Privacy Fight Club interview, Bill Smith and John Singleton talk to Vince, who shares his experience of being sued by creditors over a business loan he was unable to fully repay. Vince describes the initial shock of being served with papers and his subsequent search for legal help, which eventually led him to Singleton’s advice.<\/p> Singleton elaborates on a common misconception about business debt, explaining that Vince was held liable because the loan was underwritten with his personal information, making it a consumer debt with Vince as the guarantor. Singleton criticizes the typical legal advice of hiring an attorney, which he argues leads only to a payment plan. Instead, Singleton suggests a strategic approach: dealing with the insufficiency of the complaint rather than focusing on the debt.<\/p> To deal with his lawsuit, Vince followed Singleton’s advice to file a motion to dismiss on the basis of an insufficient complaint. If the motion is accepted, the complaint needs to be amended, at which point Vince could file another motion to dismiss. The goal of this strategy is to reduce the risk of losing one’s assets to creditors, essentially making oneself “uncollectable” without the burden of filing for bankruptcy.<\/p> Despite the initial shock of being sued, Vince expresses relief upon discovering a strategy to fight the case. The discussion concludes with a note of caution about the potential for being served with a notice of deposition or interrogatories, which would require Vince to answer questions under oath. The advice is to be vigilant and prepared for any such development.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P12 \u2013 Reviewing Lawsuit<\/strong>\u00a0\u2013 Watch Now<\/strong><\/a><\/p> This executive summary provides an overview of a lawsuit involving Citizens Bank and a debtor who owes approximately $26,000-$27,000. The plaintiff alleges breach of contract and unjust enrichment by the defendant. The lawsuit is based on a card member agreement (Exhibit A) that establishes the terms of the loan. The defendant examines the agreement to find connections between the plaintiff’s failure to comply with the binding arbitration agreement.<\/p> The defendant argues that the court lacks jurisdiction over the agreement and asserts that the plaintiff has waived its rights to arbitrate. The defendant considers the option of seeking summary judgment or proceeding with discovery but notes that if the court lacked jurisdiction from the beginning, it cannot be cured in this case.<\/p> In summary, the review of the lawsuit highlights the contractual disputes and jurisdictional issues. The defendant raises concerns about the plaintiff’s failure to comply with the binding arbitration agreement, potentially invalidating the lawsuit. The defendant suggests pursuing dismissal based on the plaintiff’s waiver of rights to arbitration.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t P13 \u2013 Self Insurance<\/strong>\u00a0\u2013 Watch Now<\/b><\/a><\/p> The speaker, John Jay, discusses the concept of self-insurance in depth, highlighting it as an alternative to traditional auto insurance based on the rights to contract and enter into non-harming agreements. Unlike traditional insurance, self-insurance is a means to compensate others for damage you might cause while driving, a risk taken by oneself instead of an insurance company. Jay emphasizes that self-insurance isn’t suitable for everyone and it requires a significant degree of financial responsibility and ability to pay.<\/p> To ensure financial responsibility, the speaker suggests setting up a company to hold assets that can be liquidated quickly when necessary. These assets, such as precious metals, property, or cash, don’t have to meet the full statutory limit, but should be adequate to cover potential damages. However, Jay warns that self-insurance does not cover catastrophic events, and these risks need to be taken into account when deciding on this path.<\/p> A key factor in self-insurance is the ownership of a company, which should be registered and possess evidence of financial responsibility. Jay gives an example of self-insurance registration in Florida and how it works with the Department of Motor Vehicles (DMV). He also explains the potential complexities and possible legal scenarios one might encounter in case of an accident.<\/p> Finally, Jay elaborates on his method of managing self-insurance by using a limited liability company (LLC) as the insurance company and a limited liability partnership (LLP) as the owner of each vehicle. However, he acknowledges that this arrangement may not work in every situation and warns that self-insurance carries serious liabilities and isn’t a joke. Despite the potential risks, Jay recommends self-insurance, provided individuals are aware of and prepared for these risks.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t