What if the credit card debt you're struggling with isn't actually a debt? Meet Tommy A. Kilpatrick—a retired American living in the Philippines, teaching sustainable farming and free health clinics while fighting a $85,000 credit card battle he won in an unexpected way. From homelessness and a vow of poverty to author and entrepreneur, Tommy's journey is a powerful lesson in faith, resilience, and challenging the system. In this episode, Tommy breaks down how millions are trapped by what he calls "alleged" credit card debt—debt that banks can erase within 45 days. He shares his firsthand experience suing banks, navigating federal courts, and ultimately clearing his name. If you're drowning in debt or want to understand how credit systems really work, this conversation offers hope, practical insight, and a roadmap to financial freedom. To learn more about this guest and explore the full conversation, watch the broadcast on our official YouTube® Channel. Stay connected by subscribing to our FREE Email Newsletter and access additional content, episodes, and updates at www.consciousradionetwork.com. Intro by: Vesta Millard \ Music by: Logan Belle DISCLAIMER: The views and opinions expressed in this podcast are those of the guest(s) and do not necessarily reflect those of Conscious Radio Network™. This content is provided for informational and educational purposes only and is not intended as medical, legal, or professional advice. © 2015–2026 Conscious Radio Network, LLC. All Rights Reserved. Podcast produced by Conscious Radio Network™