Are you ready to
UNLOCK
the rules they never taught you?
Learn how to lawfully assert your rights, reverse engineered from legal systems, trust structures, and the creditor's position in commerce.
🔒 Private Members Only. By Invitation or Application.
Featured and mentioned on:
"Transitioning you from Debtor to Creditor"
Creditor Academy
At Creditor Academy, we teach what conventional finance and law schools won’t — how to operate as a private creditor in a world that conditions you to act like a public debtor. Our private members-only community is dedicated to revealing the powerful legal and financial remedies hidden in plain sight: from trusts and equity to negotiable instruments and contract enforcement. Whether you’re seeking remedy, sovereignty, or strategic leverage, we equip you with the tools, templates, and teachings to reclaim control over your affairs — privately, lawfully, and confidently. This is not just education. It’s financial re-education for those ready to exit the matrix.
Meet Ray
The Founder of Creditor Academy
Ray Mclennan is a former corporate lawyer, private investor and business owner who is very unhappy with the way banks and lenders treat property owners. The whole monetary system is set up for you to fail, but there are steps that anyone can take to alleviate the financial pain and allow you to create a very bright future.
All Members Receive:
Online Courses
Access to a growing number of practical, comprehensive courses to level up your mastery and implement immediately. We create specific hand picked remedies that members are asking for.
Online Community
Engage with other members in our user friendly online community platform to find accountability buddies and gain further support ongoing.
Live Webinars
We answer all your questions and document them for future reference. Connect and learn from other members in the community.
Private Partner Network
Access to our network of carefully curated and vetted partners with a white glove done for you service.
£22 Mil
Debt Discharged
50+
Positive Reviews
88%
Success Rate
5+
Practical Remedies and Growing Fast
Learn the Laws They Don’t Teach in Law School.
The School for Private Creditors, Not Public Consumers.
Pick a Program That Speaks to You
All prices are monthly.
Initiate
£9
The first step into the private world; entry-level but exclusive
Full Community Access
2 x Foundational Courses
1 x Weekly Live Webinars
Unlimited Access. Cancel Anytime.
Executor
£297
Someone with authority over a trust or estate; full power access
Full Community Access
Unlock All Courses
2 x Weekly Live Webinars
Access to Partner Network
Unlimited Access. Cancel Anytime.
Chancellor
£997
A nod to the Court of Chancery and elite command of equity law
Full Community Access
Unlock All Courses
3 x Weekly Live Webinars
Access to Partner Network
Unlock Heavily Discounted One on One Consults.
Unlimited Access. Cancel Anytime.
Frequently asked questions:
If I gave you a 20-foot container of sand and told you—with absolute certainty—that a 50-carat diamond was hidden inside, how long would you keep digging?
You have a spade, and all you need is patience. Whether it takes 50 scoops or 1,000, you will find the diamond. Would you stop before you you found it?
It gives you the tools, knowledge, and guidance to dig through the complex layers of law, finance, and power that have been used against everyday people for decades.
Inside this community, you’ll uncover the remedies, rights, and strategies hidden in plain sight—assets as valuable as that 50-carat diamond.
Whether you’re just starting or already scooping, Creditor Academy ensures you're not digging blind. You're digging smart, and you're not alone.
Yes, everything is 100% legal. We're simply exposing how legal loopholes are used against you, so you can lawfully protect yourself from corporate exploitation that preys on public ignorance.
Once you have joined the community and consumed some of the training you will have a better understanding as to what is required and how how simple we have made things.
We are all about empowering individuals to be stewards of their own circumstances and our community itself is extremely knowledgable, along with our weekly live webinars that give you the chance to ask any unanswered questions.
After becoming familiar with what we are all about from the inside we do offer a done for you service which is accessible inside the members area.
About:
Creditor Academy is a private community for those ready to exit the debtor mindset and step into lawful control. We reveal the tools, strategies, and remedies hidden in trust law, equity, and commerce — empowering you to operate privately, confidently, and beyond the mainstream.