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Can you legally walk away from credit card debt? 💳

In this electrifying and unconventional episode, Joey Pinz speaks with Tommy A. Kilpatrick — a financial dissenter, self-styled legal thinker, and the founder of the 3H Club (Hunger, Housing, Humanity). From his vow of poverty and barefoot walk across America, to launching a dome house initiative in the Philippines, Tommy shares a life that defies convention.

But it’s his bold claim that most credit card debt is alleged — not actual — that will shock you. Using his “gift card disguised as credit card” theory, he unpacks why, in his view, banks cannot legally issue credit without an invoice or promissory note. Add in stories of suing banks, detoxing addicts on farms, and building a self-sufficient food and housing ecosystem — and you have one of the most provocative conversations yet.

📌 Top 3 Highlights:

• 🔥 Why bank-issued credit card debt may not be legally enforceable
• 🏡 How Tommy built a 3H Club model to serve seniors and addicts with free food & housing
• 📚 The “VISA” framework for personal discipline and intention

If you’ve ever questioned the system, this is your episode.

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Join us for enlightening discussions that spark growth and exploration.

Hosted by Joey Pinz, this Discipline Conversations Podcast offers insights and inspiration.

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🎵 Music by Tom Izzo: @wahlsinger https://tomizzomusic.com

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