Break Free from Credit Card Debt with Tommy Kilpatrick

In the latest episode of Postcards to the Universe, host Melisa Caprio dives into the complex world of credit card debt with expert Tommy Kilpatrick. With many individuals struggling under the weight of credit card bills, Tommy offers a refreshing perspective on how to tackle this pressing issue.

Tommy's journey began when he found himself in a staggering $85,000 of credit card debt, a situation that left him feeling hopeless. However, through a series of legal maneuvers, he discovered a shocking truth: bank-issued credit cards may not be as legitimate as we think.

Tommy argues that without a signed promissory note, there is no binding contract, and therefore, no real debt exists. This revelation led him to challenge the legitimacy of his debts in court, ultimately resulting in a significant victory. During the episode, Tommy explains the steps anyone can take to potentially eliminate their credit card debt. He emphasizes the importance of understanding the language of finance and how banks operate. By sending a letter to your bank, you may be able to close your account and free yourself from the burdens of debt within 45 days.

Melisa and Tommy also discuss the psychological aspects of debt, including how societal norms and language can influence our perceptions of financial responsibility. Tommy encourages listeners to question everything they’ve been taught about debt and to see themselves as victims of a larger system designed to profit from their struggles. This episode is not just about debt; it's about empowerment and taking control of your financial destiny. If you're tired of feeling trapped by credit card bills, this conversation is a must-listen.

Tune in to learn how to start your journey toward financial freedom and reclaim your life from the grips of credit card debt.

*You can find the full episode here, or on any of your favorite podcasting sites.

*Released - 10/3/25