What is debt filtration?

We are the pioneers of Rapid Restructure Technology (RRT). Rapid Restructure replaces; Chapter 13 Bankruptcy, Consumer Credit Counselling, Debt Consolidation, and Credit Repair in the New Credit System. Rapid Restructure cleans your credit, eliminates your debt and builds your credit score simultaneously.

In the new credit system, a paid charge off scores the same as an unpaid charge off. A satisfied judgment scores the same as an unsatisfied judgment. If you are still using credit repair, then you are buying disappointment.

Can you really wait up to 7 years to buy a house, get a new car, get a government contract, get a good job, get a promotion, save your business, get a grant, borrow some money, get a higher education loan, etc. Think of us as Netflix® and credit repair is BlockBuster®. Rapid Restructure is going to change the world forever. So, it is important for you to understand how it works.

Rapid Restructure has four basic components:

  1. Debt Filtration
  2. Strategic Credit Restoration & Development
  3. Score Enhancement Algorithm
  4. Acquisition Based Compliance

Debt Filtration

Debt filtration is one of the most revolutionary components of our Rapid Restructure process.  Debt Filtration is the science of eliminating debts legally and permanently, without payment. 

That’s right, I said eliminating your debts without payment, LEGALLY AND PERMANENTLY!!!!! 

Our plan includes Debt Filtration.  Our Debt Filtration Program combines 50 different Debt Cancelation Laws, Debt Forgiveness Programs, Hardship Programs, and Fresh Start Programs into one easy to use program. 

Never heard of debt filtration before?  Don’t worry you are not alone. 

Debt filtration is a closely guarded industry secret.  It would take you 50 years to master all 50 debt filters.  Most companies only understand one or two of these complex systems.

Never has anyone put all of these programs under one roof. 

By combining these programs, it is possible to eliminate up to 100% of your bad debt without payment.  Don’t be shocked by this. 

America is in the debt forgiveness business.

Remember the bailout of the S&L’s, the Mortgage Industry, the Auto Manufactures, the Insurance Industry ?

Well we are pleased to announce that the government offers Americans a bailout as well.  The only problem is no one ever takes advantage of the bailouts because they don’t even know they exist. 

And even if they knew they existed, they don’t know how to use them.  

Why does America cancel debts? 

Three reasons (1) our forefathers came from debt oppressive societies.  They came from societies with debtor prisons; you could lose your hands or even be killed for bad debt.  When they came to America they wanted change; they created a system that allowed Americans an opportunity to get in and out of debt very quickly.

(2) Capitalism only works when citizens spend money, primarily on houses and cars.  If your bad debts and bad credit stop you from making major purchases, then the system breaks down.

(3) America was founded on biblical principles.  Debt filtration is in the Bible. 

Take a look:

“A certain creditor had two debtors; one owed five hundred denarii, and the other fifty. When they could not pay, he canceled the debts for both of them.” (Luke 7: 41-42)

1: At the end of every seven years you shall grant a remission of debts. 2: This is the manner of remission: every creditor shall release what he has loaned to his neighbor; he shall not exact it of his neighbor and his brother, because the LORD’S remission has been proclaimed.…Deuteronomy 15:2

To understand better how a debt filter works let’s take a look at a debt filter.  Remember debt filtration combines 10 stages of 50 different debt filters, this is only one example of a debt filter.

Statue of Limitations Filter

This filter is a State Level Filter and is offered by each state.  This filter cancels any debt based on the number of years mandated by state law.

For example, in the state of Delaware the SOL is only 3 years.  So, if your date of last payment is greater than 3 years, then instead of filing bankruptcy 13, going to CCC, hiring a debt consolidation company, paying or settling this debt, you simply file the correct documents and the debt becomes legally uncollectible. 

This is a state level filter.  The state where you reside cancels all debts over a given time frame.  Therefore, if you only mastered this one debt filter, you could still eliminate all your debts legally and permanently without payment, settling, bankruptcy, CCC or debt consolidation.

The Fair Debt Collection Practices Act, states that:

“§ 802.  Congressional findings and declaration of purpose

(a)  ABUSIVE PRACTICES.–There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

(b)  Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

(c)  Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

(d)  Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

Based on this realization you should be asking yourself what are these abusive practices.  Well don’t worry because you know have protection against all of these abusive, deceptive and unfair debt collection practices. 

Ask yourself this: 

  1. Why are you , family, friends and community still filing for bankruptcy?
  2. Why are you losing jobs and opportunities because of debt that you don’t owe?
  3. Why pay for debts that are legally Uncollectible?


Our Strategic Credit Restoration & Development process cleans your credit using a FICO- based system that is customized to your specific credit requirements, unlike credit repair where you simply use a generic dispute that is usually blocked by the credit bureaus. 

Without citing specific reasons, corresponding evidence or laws to justify the removal of the specific item the credit bureaus will simply verify the dispute or even worse, they will mark your dispute frivolous.

SCR is the most powerful form of credit correction available because it requires administrative remedies prior to the dispute process.  These administrative remedies generate the necessary reasons, corresponding evidence or laws which warrant the removal of any derogatory item.


The new credit scoring system is based on complex algorithms that convert your credit report data into a numerical value. That numerical value is based on five (5) components. In order to affect positive change in this new system it takes an algorithm that can adjust your credit against the same components that is evaluated by the new credit scoring system.

Fortunately for you we are partnered with the inventor of that algorithm. We will use this algorithm to keep your scores at inception levels. Once you lock in your score with one of our plans the SEA goes to work for you.


We are not a credit repair company and we are not affiliated with any credit repair or debt consolidation companies. Our process is designed to help you maintain your access to capital. As such, it is important to first know what the necessary ingredients is to acquire capital.

Fortunately for you we have the recipe for access to capital. We use this recipe to pre-underwrite your credit so that you can always be pre-approved for any loan which you apply. This pre- underwriting process is what makes our plans unique and give you the services that you really want. We live in a world where your prosperity is controlled by your credit. Now for the first time you actually have the tools to control and maintain you access to the American Dream.

Call Us For Free


Credit & Debt Management Institute is a registered 501(c)(3) organization.