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yo whats up family how yall doing now look good news right so remember I was telling you guys like a lot of people who bring these methods up theyd be like oh you can discharge debt by this you know send this in to them and all the creditors they dont give a damn about what you guys found one thing you got to understand you have to know how to play the game so when youre dealing with court or youre dealing with debt you have to know how to play it according to what they understand so you can always win right so today Banks they judge everything based upon your credit report and everything like that right like your debt to income whats on your credit report Collections and Etc right remember I told you guys I received two auto loans from Navy Federal and the value of those loans was uh 138 000 because it was a sixty eight thousand dollar one and it was the 69 000 one right now both of those are going on my credit report I got them removed there was no contract established um we