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com Hope For Justice: In Action - Tip Sheet -- Honour/Dishonour page 1 of 2

TIP SHEET FOR HONOUR / DISHONOUR PROCESS

Frequently, creditors will intentionally take advantage of your commercial ignorance in

order to set you up or entice you into dishonor and cause you to lose. This is
accomplished in many ways, such as:

- They make an offer, demand or draft so outrageous that it entices you to argue.
- They lure you to respond in a manner which technically is argument.
- They give you a far-off respond by date so that you do not respond within 72 hours.
- They dont tell you how to cure a prior dishonor.
- They dont respond at all to you so you dont know whats happened.

On the other hand, you likely have responded many times dishonorably. Consider
these responses and categorize them.

a. You complain about a service and refuse to pay for it.

b. You write a letter disputing a charge on your credit card statement.
c. You call a vendor and chew them out for billing you for someone elses work
purchases.
d. You dont respond at all to someone who angers you.
e. You reply with an untruthful or outrageous response.
f. You file a lawsuit or a complaint.

Remember, all facts are irrelevant and fly out the window when there is dishonor. A
judge can only intercede if there is controversy. If there is stipulation, he has nothing to
do and thats the end of it. You have energy and control if you stay in honor.

There are two components to offers: public and private. Each issue is covered
either procedurally or in substance. You must be able to determine whether it is an issue
you want to address publicly or privately. The Conditional Acceptance/Acceptance (CA/
A) process is in the private sector. Litigation is the public sector. Substance can be
handled in private by stipulation or agreement. Procedure is handled by the courts.
Substance is establishing the facts. Courts do not deal with facts, they deal with
rules. You can always go back and correct an error, but you should strive to not make
any errors.

AVOID PITFALLS AND ERRORS

As you construct your response, you must avoid the most frequent pitfalls in language
that will place you in dishonor. Remember English-101:

- Waiting longer than 72 hours before responding.

- Giving the impression you agree with their offer.
- Conditionally accepting an offer they have not made.
 private-person.com Hope For Justice: In Action - Tip Sheet -- Honour/Dishonour page 2 of 2

- Requesting documents that do not apply to their offer.

- Requesting documents that support their claims
- Testifying.
- Arguing.
- Failing to specify a response date.
- Failing to specify a response address.
- Not giving reasonable time to respond to your CA/A.
- Not giving a reasonable time to respond with an accounting [UCC 9-210(4)(d) = 14
days].
- Setting unrealistic and unsubstantiated damage amounts.
- Failing to give notice to the court that you are handling this matter privately (if
applicable).
- Failing for subsequent offers, traversing to their issue and leaving your CA behind.
- Starting the CA/A process before you are ready to finish it.
- Failing to understand the principles and law applicable to what you are doing

Errors will place you into unintended dishonor. Remember that dishonor equals
loss, equals the debtor. Errors generally fall into two types of categories:

1) Uncorrected errors in either procedure or substance.

2) Incorrect use of phrases and terms ,or making statements of argument:
a) Unacceptable
b) No good
c) Fraudulent
d) Prima facie evidence
e) Non-meritorious
f) I dont understand
g) Makes no sense
h) Incomplete accounting
i) Incomplete records
j) Making a claim
k) Making a statement
l) Making a bluff

Every Conditional Acceptance must contain these essential components:

1. What it is you want them to produce.

2. When you want them to produce it.
3. What happens if they dont produce it.
4. What the penalties are.
5. What the remedy is.

It is just like a complaint. You most likely will want to ask for a statement of account,
which requires 14 days instead of 10.