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Get out of debt free – once you understand that all bank and credit card debt is money falsely owed. John Witterick explains how banks manufacture money out of thin air but yet charge you interest you have to work hard to pay off. Fractional reserve banking (an unlimited money system on a limited-resource planet) produces debt which can mathematically never be paid off. Learn how to laughingly handle debt collectors on the phone (who have no contract with you – so don't give them one, even verbally!) and deal with them in a way where they’ll never get a cent out of you.