What is inaccurate talk about details don't stay in generality it's too easy you know to claim without pointing confronting with your own knowledge ? Don't forget that you have in front of you an accountant man so if you say something inaccurate yourself you will be obliged to be confronted with details and when details come you can't hide behind generalities - obvious I know but it's just for insisting that you must care about what you affirm yourself

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As for practical result he says
exerpt :
"THE RESULTS: Some people have purchased Tom's books and asked the bankers questions. Results vary.
In a number of cases, without going to court, the lender volunteered to repay the loan from you to the bank, which paid off the loan from the bank to you! Millions of dollars of bank loans have been paid off.
Tom's books have over 600 questions to ask the banker. One person sent the banker 40 questions. The lender responded by sending bank "zero balance owed" on his car loan. His $12,000 car loan became zero.
We heard similar stories from homes to credit card debts.
At this time, bankers resist zeroing out larger loans. We are told that some lenders make you sign an agreement saying that you will not tell, so others will not ask to have their loans zeroed out.
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Now I don't incite people to try except if their situation is hopeless. It's just so fun for me to attack common belief of people

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Quote from marketsurfer:
these statements regarding loans are inaccurate, totally false and extremely harmful to anyone who would attempt to proceed in this manner. this reminds me of the militia groups that try to use the "soveriegn individual" defense in court. it does not work.
surfer