The Credit Card Debt Theory: Tommy Kilpatrick’s Unconventional Battle

What if your credit card balance wasn’t what it seemed? In this thought-provoking conversation, author and former controller Tommy Kilpatrick shares his personal journey from $85,000 in credit card debt to a surprising outcome—without bankruptcy, collections, or a credit hit. Tommy outlines his theory that some bank-issued credit card balances are “alleged” debt, and explains the strategy he believes led to his result.

⚠ Important Disclaimer: This episode presents one individual’s personal theory and experience. These views are not legal or financial advice and may not reflect the laws in your state or country. Debt obligations are legally enforceable, and challenging them can have serious consequences. It is strongly recommended that you consult with a qualified attorney or licensed financial professional before attempting to dispute or refuse payment on any debt.