[00:00.000 --> 00:09.480]  A commission set up by Barack Obama in the wake of the Gulf oil disaster will likely
[00:09.480 --> 00:12.640]  spare BP from a gross negligence charge.
[00:12.640 --> 00:17.200]  According to an official document Thursday, the commission will instead opt to disperse
[00:17.200 --> 00:23.440]  the blame on numerous companies involved, including Transocean and Halliburton.
[00:23.440 --> 00:29.040]  The Watchdog Global Witness warned Thursday Sudan is on the path to conflict over an oil
[00:29.040 --> 00:30.040]  revenue dispute.
[00:30.040 --> 00:36.200]  A wealth-sharing deal splitting oil profits between North and South Sudan is set to expire
[00:36.200 --> 00:38.800]  following the secession vote Sunday.
[00:38.800 --> 00:43.400]  Global Witness found the Sudanese government and the China National Petroleum Corporation
[00:43.400 --> 00:48.740]  have failed to explain significant discrepancies in oil production numbers, suggesting the
[00:48.740 --> 00:56.000]  northern government was undercounting production and withholding oil revenue to the south.
[00:56.000 --> 01:01.120]  Students protesting police violence in Ankara, Turkey Wednesday were tear gassed and blasted
[01:01.120 --> 01:03.640]  with water cannons by police.
[01:03.640 --> 01:08.320]  Students intended to rally outside the ruling Justice and Development Party headquarters.
[01:08.320 --> 01:13.160]  The protest was in reaction to the violent police response at a December demonstration
[01:13.160 --> 01:15.640]  in Istanbul.
[01:15.640 --> 01:21.000]  A tearful John Boehner Wednesday was sworn in as Speaker of the 112th Congress and the
[01:21.000 --> 01:27.040]  new Republican majority approved rules requiring spending increases be offset by cuts in the
[01:27.040 --> 01:28.040]  budget.
[01:28.040 --> 01:32.760]  However, the new rules would allow enactment of future tax cuts without offsetting spending
[01:32.760 --> 01:37.720]  reductions and permit repeal of the health care reform legislation, which was estimated
[01:37.720 --> 01:42.440]  to save the government more than $140 billion over 10 years.
[01:42.440 --> 01:48.280]  The loss of revenue from slashing health care reform would not have to be compensated elsewhere.
[01:48.280 --> 01:52.640]  Boehner pledged to give the government back to the American people, just as the new Chairman
[01:52.640 --> 01:58.160]  of the House Committee on Oversight and Government Reform, Daryl Issa, wrote to 150 businesses
[01:58.160 --> 02:03.240]  and trade groups asking for suggestions on loosening corporate regulations.
[02:03.240 --> 02:09.520]  Issa received swift replies from banks protesting new controls on debit card fees and from
[02:09.520 --> 02:17.320]  manufacturers opposed to environmental protection agency limits on greenhouse gas emissions.
[02:17.320 --> 02:21.840]  The number of poor people in the U.S. is millions higher than previously known.
[02:21.840 --> 02:28.000]  Preliminary census figures released Wednesday show one in six Americans, many 65 and older,
[02:28.000 --> 02:32.200]  are struggling with poverty due to rising medical and other costs.
[02:32.200 --> 02:39.880]  Under a new census formula, poverty in 2009 stood at 15.7 percent, or 47.8 million people,
[02:39.880 --> 02:45.840]  4.2 million more people than the official 2009 rate of 14.3 percent.
[02:45.840 --> 02:51.080]  Economists have long criticized the official poverty measure because it only includes pre-tax
[02:51.080 --> 02:55.520]  cash income and doesn't account for medical, transportation and work expenses.
[02:55.520 --> 03:05.760]  For more details on these stories, visit www.inmworldrecord.net.
[03:05.760 --> 03:12.920]  You are listening to the Rule of Law Radio Network at ruleoflawradio.com, live free speech
[03:12.920 --> 03:19.920]  talk radio at its best.
[03:42.920 --> 04:03.920]  This is a production of the U.S. Department of State.
[04:03.920 --> 04:27.800]  The State Department of State has allied with self-defense teams in The U.S. and Alex
[04:27.800 --> 04:29.800]  You saying bad boy's, bad boy do
[04:29.800 --> 04:31.800]  Bad boy's bad boy do
[04:31.800 --> 04:33.800]  What you gonna do, what you gonna do
[04:33.800 --> 04:35.800]  When they come for you
[04:35.800 --> 04:37.800]  Bad boy's bad boy do
[04:37.800 --> 04:39.800]  What you gonna do, what you gonna do
[04:39.800 --> 04:41.800]  When they come for you
[04:41.800 --> 04:43.800]  Bad boy's bad boy do
[04:43.800 --> 04:45.800]  What you gonna do, what you gonna do
[04:45.800 --> 04:47.800]  When they come for you
[04:47.800 --> 04:49.800]  Bad boy's bad boy do
[04:49.800 --> 04:51.800]  What you gonna do, what you gonna do
[04:51.800 --> 04:53.800]  When they come for you
[04:53.800 --> 04:55.800]  Get your balls filled, give smells
[04:55.800 --> 05:22.120]  All right, bad boys, bad boys, what are you going to do when we come for you?
[05:22.120 --> 05:33.960]  Tonight, Friday January 7th, 2011, we are in the new year and we're taking it to
[05:33.960 --> 05:41.040]  the bad guys. So Randy, you want to discuss a case? Yes, I want to talk about
[05:41.040 --> 05:48.600]  a case in Massachusetts. There's no tea in the middle of
[05:48.600 --> 05:56.000]  Massachusetts. I was once in Worcester. I got that part. You did get that one
[05:56.000 --> 06:03.280]  right. I got Worcester right. Not Worcester, not Warchester. No, no, no, it's
[06:03.280 --> 06:07.840]  Worcester. People in New England know the name of that town is Worcester.
[06:07.840 --> 06:13.440]  They know it's Worcester and they know how to pack the car. Pack the car and we're
[06:13.440 --> 06:19.000]  going to go to the Mackett Basket. That's the grocery store up there. They have HUB's
[06:19.000 --> 06:22.720]  down here. They got Mackett Baskets up in New England. Okay, go ahead. Okay, a case
[06:22.720 --> 06:32.240]  in Massachusetts, Massachusetts. Massachusetts. Massachusetts. Yes. That the
[06:32.240 --> 06:42.160]  court said if you can't produce the original security instrument and
[06:42.160 --> 06:51.720]  demonstrate that it is the only one, you don't have standing. This thing a while
[06:51.720 --> 07:01.000]  back when Bank of America stopped all its foreclosures for a few days, it threw
[07:01.000 --> 07:08.720]  up an incredible red flag. When they did that, I was wondering what on earth are
[07:08.720 --> 07:15.480]  they thinking? Okay, so they don't have the paperwork they need. They've
[07:15.480 --> 07:19.520]  got attorney generals going after them all over the place, but for Bank of
[07:19.520 --> 07:28.200]  America to stop all foreclosures until they get their paperwork right, it sent
[07:28.200 --> 07:34.400]  up an incredible red flag. All of a sudden, everybody, attorneys who hadn't
[07:34.400 --> 07:40.760]  been paying attention, they're like foxes near the hen house. They hear
[07:40.760 --> 07:43.920]  clucking in the hen house, and they pop up, and their ears pop up, and they start
[07:43.920 --> 07:49.800]  pointing toward the hen house. All these attorneys said, whoa, something's going on.
[07:49.800 --> 07:58.480]  I can make money. And the judges, the judges do not want to make law, because
[07:58.480 --> 08:04.720]  most of the time when a judge makes law, it's after he gets the crapola beat out
[08:04.720 --> 08:09.640]  of him. Everybody thumbs on him, and finally he wins in the end, but most of
[08:09.640 --> 08:15.520]  the time he doesn't. So judges, especially trial court judges, they're kind of down
[08:15.520 --> 08:25.120]  on the bottom. They do and are essentially required to rule based on how
[08:25.120 --> 08:32.320]  other judges have been ruling, and they don't like to step outside the norm.
[08:32.320 --> 08:40.320]  When Bank of America stopped all their foreclosures, they changed the norm. All
[08:40.320 --> 08:44.520]  of a sudden, the judges perked up and looked. We had one here, a good friend
[08:44.520 --> 08:54.680]  here in Austin, when he challenged the affidavit that the lender had filed
[08:54.680 --> 08:59.440]  with the court showing it had standing, and he showed that the affidavit was a
[08:59.440 --> 09:06.920]  piece of garbage. The judge told the attorney, you have until the 13th to
[09:06.920 --> 09:13.880]  bring me in a proper affidavit. I want to make sure that what is happening in
[09:13.880 --> 09:21.400]  other states is not happening here. That was profound. I had someone from
[09:21.400 --> 09:28.520]  Colorado today tell me about a judge. He went to an unlawful detainer hearing on
[09:28.520 --> 09:35.480]  his place, and the other side didn't show up, and they canceled the hearing,
[09:35.480 --> 09:40.560]  and the judge took him aside because of the pleadings that he had filed and told
[09:40.560 --> 09:45.680]  him that he had been following these foreclosure issues, and that if MERS is
[09:45.680 --> 09:53.040]  involved in the note, they can't prove up title. If they can't prove up title,
[09:53.040 --> 09:58.360]  they don't have standing. This is pretty remarkable. The judges on the
[09:58.360 --> 10:04.080]  lower end are beginning to take a closer look at this. We're getting more and
[10:04.080 --> 10:12.520]  more rulings in favor of borrowers against the lenders. They're not saying
[10:12.520 --> 10:19.080]  that the borrower doesn't owe the money. They're just saying that we don't know
[10:19.080 --> 10:25.400]  who they owe the money to, and this is kind of the problem that the banks
[10:25.400 --> 10:31.520]  created with this securitization scheme. If you have title insurance
[10:31.520 --> 10:38.640]  on your property, the title insurance ensured that on the day you purchased
[10:38.640 --> 10:46.400]  the property, there were no liens against it, and if a lien shows up that
[10:46.400 --> 10:53.400]  was in existence on that day or prior to that day, they will insure you
[10:53.400 --> 11:01.240]  against that lien. But as soon as you signed the documents, the insurance
[11:01.240 --> 11:08.240]  coverage ceased. So immediately after you signed the document, the lender
[11:08.240 --> 11:13.880]  went out and sold your note, in Bank of America's case, perhaps 20 or 30
[11:13.880 --> 11:21.080]  times. So you could have as many as 20 or 30 investors out there with a
[11:21.080 --> 11:29.280]  claim against your property. You could pay it off and have 19 more investors
[11:29.280 --> 11:34.240]  out there making a claim against the property. This is the problem they've
[11:34.240 --> 11:41.160]  created, and judges are beginning to realize it. So the solution is, the
[11:41.160 --> 11:48.200]  problem is more than just that it gives you a hard time. This particular case
[11:48.200 --> 11:55.520]  was where the property was sold at a foreclosure hearing, at a foreclosure
[11:55.520 --> 12:03.440]  sale, and the bank that bought it back tried to get quiet, petitioned for
[12:03.440 --> 12:11.320]  quiet title, and the court said, wait a minute, you can't show that you
[12:11.320 --> 12:17.640]  ever had standing to foreclose in the first place, and they overturned the
[12:17.640 --> 12:24.040]  foreclosure. I haven't read the case yet, but as I understand, this had
[12:24.040 --> 12:28.120]  nothing to do with the person who owned the property. This was just the
[12:28.120 --> 12:32.920]  bank trying to get quiet title, and the courts are saying, look, guys, we
[12:32.920 --> 12:37.880]  can't give you quiet title. We can't give you anything. The only one we can
[12:37.880 --> 12:42.000]  give quiet title to is the person who purchased the property, because you
[12:42.000 --> 12:46.440]  sold these things so many times, we don't know who has a claim against it.
[12:46.440 --> 12:54.840]  What we can do is go back to the original owner or the borrower and say,
[12:54.840 --> 13:01.240]  we don't care who else has a claim on this property. You bring that claim
[13:01.240 --> 13:09.200]  forward now, or you're excluded. That's the only way we can stabilize the
[13:09.200 --> 13:14.640]  real estate market in the United States. We have to force quiet title. We
[13:14.640 --> 13:20.360]  have to say, the lender, the borrower is here holding this title. Who has a
[13:20.360 --> 13:24.640]  claim against it? If you have a claim against it, bring it forward, prove it
[13:24.640 --> 13:31.720]  up. If you don't, we grant quiet title in any claims that may be out there or
[13:31.720 --> 13:32.720]  void.
[13:32.720 --> 13:37.520]  Well, Randy, in that situation, are they going to have to issue some kind
[13:37.520 --> 13:43.040]  of public notice concerning that property in order to give other entities
[13:43.040 --> 13:46.520]  an opportunity to come forward in that situation?
[13:46.520 --> 13:51.160]  One way to do it, and the guy in Colorado had did this and didn't realize
[13:51.160 --> 13:58.160]  the position he put himself in, is Chapter 7 bankruptcy. You file Chapter 7,
[13:58.160 --> 14:05.160]  and whoever has a claim, they must bring it forward. The bank will bring
[14:05.160 --> 14:10.600]  forward their claim against the property, and then the petitioner will say,
[14:10.600 --> 14:17.720]  who the hell are these guys? I don't know who these guys are. Prove up that
[14:17.720 --> 14:22.040]  you have a claim against my property, that you have an exclusive claim, that
[14:22.040 --> 14:27.640]  you have a soldier claim to 20 people other than yourself. If you can't come
[14:27.640 --> 14:36.520]  in and prove up conclusively that you have a claim, you're excluded, and the
[14:36.520 --> 14:40.520]  bankruptcy court will grant you quiet title.
[14:40.520 --> 14:46.240]  We have a number of people. The good cases we got ruled on in San Diego were
[14:46.240 --> 14:51.880]  in a bankruptcy court, where the bank is coming in, making a claim, and the
[14:51.880 --> 14:57.840]  court said, prove it up. It's not enough for you to come in and state that you
[14:57.840 --> 15:02.640]  have a claim. It's not enough for an attorney firm to come in and say,
[15:02.640 --> 15:07.520]  we're the agent for the principal. Agency cannot be proven out of the mouth of
[15:07.520 --> 15:12.680]  the agent. It must be proven out of the mouth of the principal. Bring in the
[15:12.680 --> 15:19.520]  principal. Bring in someone that can prove that they have, that they are the
[15:19.520 --> 15:28.560]  proper holder of the note, and in order to do that, they must show a unbroken
[15:28.560 --> 15:37.760]  line of holdership from them directly back to the borrower at closing. The
[15:37.760 --> 15:46.640]  banks aren't able to do that, so they got themselves a problem, and this is what
[15:46.640 --> 15:56.360]  this particular case went to, and it looks good for us. There's a lot
[15:56.360 --> 16:02.280]  more going on in a real estate market, in a real estate area with these
[16:02.280 --> 16:09.240]  foreclosures. We're getting more and more rulings across the country, and we're
[16:09.240 --> 16:15.880]  upgrading our pleadings based on the responses that we're getting, so we can
[16:15.880 --> 16:24.720]  begin to hammer them pretty good. So what do you think, Eddie? Well, I think it
[16:24.720 --> 16:27.680]  would be great if we could make it work the way we want it to and the way the
[16:27.680 --> 16:32.400]  law says it should work. It's beginning to come around. It's going to take time,
[16:32.400 --> 16:39.600]  but in this case, we have so much to wait. The potential catastrophe is so
[16:39.600 --> 16:48.360]  great, we may actually get the judges ruling in correctly. Okay, this is Randy
[16:48.360 --> 16:55.240]  Kelton, Debra Stevens, Eddie Craig, Rule of Law Radio. This is our four-hour
[16:55.240 --> 16:59.920]  night. Call in. We'll be right back on the other side.
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[18:42.920 --> 18:47.440]  ruleoflawradio.com and click on the blue Michael Mears banner or email
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[18:56.240 --> 19:14.200]  at yahoo.com to learn how to stop debt collectors now.
[19:14.200 --> 19:43.480]  It's spinning like it's out of control on the edge of a hole inside a deep dark dome I'm always on the look out for something to soothe my soul Now I sit back and I watch the ever-dead
[19:43.480 --> 19:59.480]  sun fall And I see justice is the door Yeah, justice is the door
[19:59.480 --> 20:05.480]  Sometimes we fell a little too far at sea And then we got to get back on course with the sea
[20:05.480 --> 20:18.480]  We go on like a heavy advisory from the man that came all the way from Galilee I'm looking for a safe and warm place to be Where I don't have to work so hard to be free
[20:18.480 --> 20:37.480]  Some guys are trying to rewrite history but they got caught Now them guys got to bleed Looks like justice Looks like justice
[20:37.480 --> 20:50.480]  All right, folks, we are back. We've got a four-hour info marathon tonight on Rule of Law Radio as every Friday night from 8 to midnight Central Time we're taking your calls.
[20:50.480 --> 21:01.480]  Folks, please call in 512-646-1984. We've got Randy in Texas. Randy, thanks for calling in. What is on your mind tonight?
[21:01.480 --> 21:20.480]  Good evening. I wanted to talk tonight about a revolving credit issue. The attorney for them has filed suit and hasn't been served yet and I had some questions, you know, kind of relating to
[21:20.480 --> 21:35.480]  how this is, the way Mears is doing things and some other issues. Specifically, though, I was thinking about going ahead and finding out, since they haven't done service, can a constable serve the process in this matter?
[21:35.480 --> 21:46.480]  Because my understanding is it needs to be a sheriff. Absolutely. No, constables can serve. Actually, that's one of the primary things that constables do.
[21:46.480 --> 22:01.480]  Where is that in the code, though? I don't think it's necessarily in the code. It's just one of the things they're able to do and that's what the courts generally, when they want someone served.
[22:01.480 --> 22:12.480]  Like here in Travis County, if you file a civil suit and you ask the court to serve the paperwork, the constables will be the one to serve it, not the sheriff's department.
[22:12.480 --> 22:26.480]  Like in a criminal case, it says the sheriff's got to serve it. Yeah, that's sheriff does it in criminal, constable does it in civil, but in Texas, anyone, in a couple years ago, anyone over 18 could serve.
[22:26.480 --> 22:38.480]  You couldn't serve government paperwork. They had government people to do that, sheriffs, deputies, and constables. And a couple years ago, they decided that you had to be licensed in order to do that.
[22:38.480 --> 22:53.480]  So now just anybody can't serve. And that's probably a good idea because you get a process server who is a professional, so you don't get the questions about whether he was served or not.
[22:53.480 --> 23:06.480]  At least they're not so great an issue. But anybody could serve. So it's simply a matter of who they decide to ask to do it.
[23:06.480 --> 23:15.480]  And if you file a civil action here in Travis County, it will be the constables that do the service, not the sheriff's department.
[23:15.480 --> 23:22.480]  Do you know of any way that you can attack the service and process and stuff like that based on what they do now?
[23:22.480 --> 23:31.480]  No, you can try, but it's kind of a waste of time because all process serving is is no good.
[23:31.480 --> 23:41.480]  And the court's going to say, do you know that you've been sued? And you're going to say, well, yeah, okay, you're served. That's what they can do.
[23:41.480 --> 23:53.480]  So that's not an argument that you'll get much traction with. And in Texas, it's a felony to avoid service.
[23:53.480 --> 24:03.480]  Now, if you if the case, let's say you get served and you want to challenge jurisdiction, can you go at them on the basis of that?
[24:03.480 --> 24:09.480]  The attorney who filed the suit is not licensed to practice law in the state of Texas.
[24:09.480 --> 24:26.480]  Absolutely. But the problem you have is the judges are attorneys and attorneys don't understand the difference between a bar card and a licensed practice law.
[24:26.480 --> 24:33.480]  And some smart mouthed pro se come in there and try to educate them to the difference and they will ignore it.
[24:33.480 --> 24:39.480]  And then you get in a big fight with the judge for not following law.
[24:39.480 --> 24:47.480]  But can't we go after him, the judge, then for shielding from prosecution and go after him with judicial complaints and bar grievances?
[24:47.480 --> 24:53.480]  Absolutely you can. And it's a hoot. And I suggest everybody do that.
[24:53.480 --> 25:03.480]  Now, going on to bar grievances, specifically toward the attorney, not so much the judge in this case, how many bar grievances should you file?
[25:03.480 --> 25:06.480]  One, two, three, a hundred?
[25:06.480 --> 25:15.480]  Just depends on how many. I don't suggest that people file frivolous bar grievances. It's not necessary.
[25:15.480 --> 25:23.480]  Attorneys are such incompetent chumps that you can get ample valid bar grievances.
[25:23.480 --> 25:34.480]  And it's my opinion, every time an attorney does something improper, you should file a bar grievance against him as a matter of course.
[25:34.480 --> 25:42.480]  Well, I'm thinking along the lines of a frivolous suit based on a fraud that they filed in the first place.
[25:42.480 --> 25:51.480]  I'm also thinking along the lines of that there was a letter sent by somebody in their office who seems to present themselves as an attorney,
[25:51.480 --> 25:57.480]  but they're not listed as an attorney. It doesn't say what their title is.
[25:57.480 --> 26:06.480]  So I'm thinking go after them for pointing themselves out to be an attorney and the attorney himself for having not taken care of his,
[26:06.480 --> 26:14.480]  either it's a bar grievance against the other attorney and him for not supervising well or him for not supervising well because they're not an attorney
[26:14.480 --> 26:17.480]  and they're both not attorneys and just hammer them that way.
[26:17.480 --> 26:23.480]  38.122 penal code, holding oneself out to be a lawyer.
[26:23.480 --> 26:33.480]  I love that one. So you would say that challenging jurisdiction using a special appearance and hitting them with the fact that these guys are
[26:33.480 --> 26:37.480]  not attorneys and prove it up would cause a big monkey wrench?
[26:37.480 --> 26:42.480]  It would cause a monkey wrench. Most likely the judge is going to ignore it, but we don't care.
[26:42.480 --> 26:51.480]  Like Dr. Graves says, in the trial court we're simply setting the record for the court of appeals.
[26:51.480 --> 26:54.480]  That's where we argue the issue.
[26:54.480 --> 27:03.480]  I was looking at the definition of licenses and it says includes the whole or part of a state agency permit, certificate approval,
[27:03.480 --> 27:08.480]  registration or similar form of permission required by law.
[27:08.480 --> 27:16.480]  And then under state agency, of course it says a state agency permit or whatever.
[27:16.480 --> 27:23.480]  In this case the license is issued by the Supreme Court.
[27:23.480 --> 27:30.480]  Right, but under the law the court is not an agency.
[27:30.480 --> 27:37.480]  But the court has the special statute that authorizes it to do this.
[27:37.480 --> 27:47.480]  Yeah, but the legal there argument could be made that as a judicial branch they don't have the power to issue licenses
[27:47.480 --> 27:56.480]  because that involves a different agency set of powers. And since the attorneys to whom those licenses are issued
[27:56.480 --> 28:07.480]  actually report under the executive branch to the attorney general instead of to the courts, separation of powers doctrine
[28:07.480 --> 28:15.480]  appears to be in complete violation here, not to mention the fact that the Bar Act shows they're in complete violation already.
[28:15.480 --> 28:19.480]  Right, and that's what I'm getting at.
[28:19.480 --> 28:27.480]  So I'm thinking we never make a general appearance, only a special appearance, once there's a service.
[28:27.480 --> 28:33.480]  Hammer them on that and anything else you guys can come up with if I'm willing to take it to the limit.
[28:33.480 --> 28:42.480]  As a rule of thumb, never make a general appearance until all of your special appearances have been denied.
[28:42.480 --> 28:53.480]  Yeah, and do remember that in those cases you must specify each motion or document filed as being filed under special appearance.
[28:53.480 --> 29:01.480]  If it is not specifically so stated, the appearance will be assumed to be general, thus waiving impersonal jurisdiction.
[29:01.480 --> 29:17.480]  Okay, not necessarily, because the courts must treat a motion as what it is, not without regard to what it's titled.
[29:17.480 --> 29:24.480]  I understand that, but what I'm saying is that the case law that I read on this specific subject of impersonal,
[29:24.480 --> 29:32.480]  every one of them points to whether or not the paperwork specifies it was made under special or no appearance specified.
[29:32.480 --> 29:38.480]  Yeah, but that's how it is made regardless of what you say how it's made.
[29:38.480 --> 29:48.480]  If it's made as, if the crux of the issue is a challenge to jurisdiction, no matter what you call it, that's what it is.
[29:48.480 --> 29:52.480]  So that's probably not terribly hard and fast.
[29:52.480 --> 30:00.480]  Okay, Brandon Kelton, Deborah Stevens, Eddie Craig, Rule of Law Radio, and we'll be right back on the other side.
[30:22.480 --> 30:34.480]  TV screens are popping up in stores across the country.
[30:34.480 --> 30:41.480]  They run interesting video clips and serve up tempting ads, but many are hiding a dark secret behind their harmless-looking panels.
[30:41.480 --> 30:45.480]  I'm Dr. Catherine Albrecht, and I'll tell you more in just a moment.
[30:45.480 --> 30:52.480]  Your search engine is watching you, recording all your searches and creating a massive database of your personal information.
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[31:15.480 --> 31:20.480]  Video displays in stores and public spaces might be watching you back.
[31:20.480 --> 31:27.480]  Called digital signage systems, many use hidden cameras to scope out your age and gender to deliver targeted ads and videos.
[31:27.480 --> 31:33.480]  A middle-aged woman might see a clip promoting soy milk, while a teenage boy might see an ad for a sports drink.
[31:33.480 --> 31:38.480]  As people come and go, the systems document customer reactions and dwell time.
[31:38.480 --> 31:47.480]  While companies claim they anonymize images to protect privacy, facial recognition systems could be used in the future to see exactly who's watching what.
[31:47.480 --> 31:53.480]  If you find this offensive, vote with your pocketbook and spend your hard-earned cash at more privacy-friendly stores.
[31:53.480 --> 32:08.480]  I'm Dr. Catherine Albrecht. More news and information at CatherineAlbrecht.com.
[32:23.480 --> 32:36.480]  Well, I need a prosecutor to come and help me. Prosecute them wicked leaders, you see.
[32:36.480 --> 32:41.480]  They might murder a liar, them tell me. Them a liar, not tell six stories.
[32:41.480 --> 32:46.480]  Me not believe, me say what them tell me. 3% of America vote for Bush.
[32:46.480 --> 32:51.480]  So how the hell he get the presidency? That's why me have a warrant for him.
[32:51.480 --> 32:55.480]  Everybody listen carefully. It's into the world that the issues proceed.
[32:55.480 --> 33:02.480]  This is a rent from Mr. Bush.
[33:02.480 --> 33:11.480]  Okay, this is Randy Kelton, Deborah Stevens, Eddie Craig, Google Law Radio, and we are building up the call boards.
[33:11.480 --> 33:20.480]  This is our four-hour marathon tonight, so if you have any questions or comments, better to call in early.
[33:20.480 --> 33:24.480]  Better to call in early because it really begins to build up right toward the end.
[33:24.480 --> 33:35.480]  And the number is 512-646-1984. And since this is Randy, we're going to kick him to the curb.
[33:35.480 --> 33:43.480]  You there? Oh, you're not going live. I got to push the button. Okay, I forget I'm supposed to push the button.
[33:43.480 --> 33:46.480]  I had you deliberately muted, Randy.
[33:46.480 --> 33:48.480]  Ah, I know how you treat me.
[33:48.480 --> 33:55.480]  That's the kind of guy I am. Okay, you have any other issues? If not, we're going to kick you under the bus.
[33:55.480 --> 33:59.480]  I got a couple more things real quick. You said about the agency cannot be proved out of the mouth of the agent.
[33:59.480 --> 34:02.480]  How do I utilize that in this case?
[34:02.480 --> 34:07.480]  The agent, it must be proved out of the mouth of the principal.
[34:07.480 --> 34:14.480]  You must either have this attorney who's doing the collection.
[34:14.480 --> 34:25.480]  One of the things in Texas in order to sue that he must have is a verified, what's the word?
[34:25.480 --> 34:31.480]  He has to have a complete accounting by someone with personal knowledge and it has to be verified.
[34:31.480 --> 34:38.480]  Normally, an original complaint in the civil action in Texas does not have to be verified.
[34:38.480 --> 34:43.480]  For those who don't know, verification in law means notary.
[34:43.480 --> 34:52.480]  The only suit that has to be verified is a suit on account and a credit card issue is a suit on account.
[34:52.480 --> 34:55.480]  They must show the complete accounting.
[34:55.480 --> 35:05.480]  It must be shown by someone with personal knowledge and they must state that this is true and accurate under oath verified.
[35:05.480 --> 35:14.480]  So when this guy put a copy of just like a statement thing on the end of it, did he break any law that I can just beat him over the head with?
[35:14.480 --> 35:18.480]  Well, it's not that he broke a law.
[35:18.480 --> 35:34.480]  What he did was fail to meet the requirements of the rules of court and thereby fail to invoke the subject matter jurisdiction of the court.
[35:34.480 --> 35:44.480]  I had one last year that did exactly the same thing and my question to the client was,
[35:44.480 --> 35:51.480]  what do you do if the court lacks subject matter jurisdiction?
[35:51.480 --> 35:55.480]  And he said, file a challenge to the jurisdiction.
[35:55.480 --> 35:58.480]  I told him I didn't like that idea.
[35:58.480 --> 36:02.480]  I say we should sue the judge.
[36:02.480 --> 36:12.480]  If the judge lacks subject matter jurisdiction, this attorney firm filed this suit and it was insufficient on its face.
[36:12.480 --> 36:19.480]  Before the judge took any action in the case, he had to make sure that he had authority to do so.
[36:19.480 --> 36:23.480]  So the client went into court and sued the judge.
[36:23.480 --> 36:30.480]  The client come into court and the judge walks in the courtroom and he said, well, Your Honor, what are you doing here?
[36:30.480 --> 36:34.480]  You can't be here. I sued you.
[36:34.480 --> 36:36.480]  And he said, what, what?
[36:36.480 --> 36:40.480]  He got the paperwork and said, oh my, oh my.
[36:40.480 --> 36:51.480]  So what he did was recuse himself and had the county attorney file an answer for it.
[36:51.480 --> 36:54.480]  So we sued the county attorney.
[36:54.480 --> 36:58.480]  We sued the judge in his personal capacity, not in his official capacity.
[36:58.480 --> 37:04.480]  And we sued the county attorney for misappropriation of public funds.
[37:04.480 --> 37:07.480]  So can I get a copy of this so I can look at what y'all did?
[37:07.480 --> 37:09.480]  Absolutely.
[37:09.480 --> 37:16.480]  Because I'm going to do this because that's exactly what they did and I would love to just slay them.
[37:16.480 --> 37:18.480]  Oh, that was a hoot.
[37:18.480 --> 37:21.480]  It was way too much fun.
[37:21.480 --> 37:22.480]  Okay.
[37:22.480 --> 37:23.480]  Good.
[37:23.480 --> 37:25.480]  Call board, stack it up.
[37:25.480 --> 37:28.480]  Any other questions or comments?
[37:28.480 --> 37:29.480]  I do.
[37:29.480 --> 37:32.480]  I have, let me ask you one more thing.
[37:32.480 --> 37:41.480]  If I need to get the archives from a credit agency, reporting agency, how do I go about that?
[37:41.480 --> 37:45.480]  How do I, do I subpoena them or do I have to file suit against them or what?
[37:45.480 --> 37:54.480]  You can probably, I can't answer this definitively, but you can probably just send them a request.
[37:54.480 --> 38:03.480]  Eddie, do you have any specific information on credit agencies and how to extract information from them?
[38:03.480 --> 38:04.480]  No.
[38:04.480 --> 38:12.480]  I know that certain things they're required to provide you with upon request per Michael Mears's material,
[38:12.480 --> 38:17.480]  especially if they're attempting to collect a debt from you, they're required to respond.
[38:17.480 --> 38:19.480]  So that's the first place I would look.
[38:19.480 --> 38:22.480]  Well, this is the credit agencies.
[38:22.480 --> 38:26.480]  You know, the one thing about them is they are private organizations.
[38:26.480 --> 38:27.480]  Yeah.
[38:27.480 --> 38:33.480]  Well, there is an act, I forget exactly, I don't know if it's an Affair Credit Reporting Act or not,
[38:33.480 --> 38:38.480]  but it may be where if you are denied credit for any reason,
[38:38.480 --> 38:45.480]  you are entitled to a free copy of your credit report and the information related to it
[38:45.480 --> 38:51.480]  in order to discover why you were denied the credit by whoever you applied with.
[38:51.480 --> 38:55.480]  Randy, were you looking for something more than a credit report?
[38:55.480 --> 38:57.480]  Because that's simple enough to get.
[38:57.480 --> 38:58.480]  Well, no, no, no.
[38:58.480 --> 39:03.480]  What I was looking for is we sent a dispute back in November of 2009,
[39:03.480 --> 39:12.480]  and I want to get the file from that point to today showing all the misdeeds of the various parties.
[39:12.480 --> 39:14.480]  Pre-litigation discovery.
[39:14.480 --> 39:15.480]  Okay.
[39:15.480 --> 39:19.480]  But do I need to sue, you know, like Equifax?
[39:19.480 --> 39:21.480]  No, you don't have to sue.
[39:21.480 --> 39:28.480]  Under pre-litigation discovery, you have a right to seek discovery prior to litigation.
[39:28.480 --> 39:30.480]  Most states have it, and Texas certainly does.
[39:30.480 --> 39:35.480]  I think it's Rule of Civil Procedure 281, if I remember right.
[39:35.480 --> 39:38.480]  So the court will force Equifax to give me the info.
[39:38.480 --> 39:41.480]  Yes, and this is why they do it.
[39:41.480 --> 39:49.480]  You come in and say to the court, you know, I believe I have a civil action,
[39:49.480 --> 39:56.480]  a cause of action against this party, but I still have unanswered questions,
[39:56.480 --> 40:01.480]  and the only way those questions can be answered is if the other party provides me
[40:01.480 --> 40:10.480]  with certain documentation, and I have attempted to gain access to the documentation
[40:10.480 --> 40:15.480]  through administrative processes and have been unsuccessful.
[40:15.480 --> 40:20.480]  So you ask the court to authorize pre-litigation discovery,
[40:20.480 --> 40:25.480]  because it may well be that after discovery you'll find you don't have a cause of action,
[40:25.480 --> 40:27.480]  and it won't be necessary to sue.
[40:27.480 --> 40:33.480]  But if you do have a cause of action, you want to be able to preserve the evidence.
[40:33.480 --> 40:39.480]  So if I'm like Sue and Eddie, but I think you have information that would prove up my case,
[40:39.480 --> 40:41.480]  I can get the court to make you give it to me?
[40:41.480 --> 40:42.480]  Yes.
[40:42.480 --> 40:43.480]  Okay.
[40:43.480 --> 40:45.480]  Actually, you don't have to get the court.
[40:45.480 --> 40:50.480]  You can just file for pre-litigation discovery, and then if you don't give it,
[40:50.480 --> 40:53.480]  then if I don't give it to you, then you go to the court
[40:53.480 --> 40:59.480]  and petition the court for an order from the court ordering me to give it to you.
[40:59.480 --> 41:04.480]  Now, when you say file pre-litigation discovery, is that like just a letter saying
[41:04.480 --> 41:09.480]  I'm in the process of determining a suit against XYZ,
[41:09.480 --> 41:12.480]  I require that you turn over these records?
[41:12.480 --> 41:17.480]  Yes, under the authority of, I think it's 281, if I remember right,
[41:17.480 --> 41:21.480]  of the code of current procedure, which authorizes pre-litigation discovery,
[41:21.480 --> 41:24.480]  you cite the statute.
[41:24.480 --> 41:26.480]  But this is civil.
[41:26.480 --> 41:28.480]  Yes, this is civil.
[41:28.480 --> 41:32.480]  You cite, not the statute, the rule, the civil rule that authorizes it.
[41:32.480 --> 41:35.480]  The criminal procedure.
[41:35.480 --> 41:39.480]  No, that's just, I'm sorry, rule of civil procedure.
[41:39.480 --> 41:43.480]  Okay, okay, so I just cite the rule of civil procedure to the third party
[41:43.480 --> 41:48.480]  that I need the information from to prove up my case against the plaintiff
[41:48.480 --> 41:49.480]  or the defendant.
[41:49.480 --> 41:55.480]  Yes, and I'm sure if you read the Fair Debt Collections Protections Act,
[41:55.480 --> 42:01.480]  there's going to be provisions in there for securing the information that you need.
[42:01.480 --> 42:03.480]  Okay.
[42:03.480 --> 42:08.480]  All right, well, I want to get with you on that one case about the personal
[42:08.480 --> 42:11.480]  knowledge stuff because I know they didn't do that,
[42:11.480 --> 42:15.480]  and I knew they had to do that, but if I can hit them right off the bat
[42:15.480 --> 42:18.480]  and never give them jurisdiction, I'd love to do that.
[42:18.480 --> 42:19.480]  Okay, wonderful.
[42:19.480 --> 42:24.480]  Okay, now you are officially under the bus, Bubba.
[42:24.480 --> 42:25.480]  You and your dog.
[42:25.480 --> 42:29.480]  I'm driving the bus, Randy.
[42:29.480 --> 42:31.480]  Randy and his dog is a running joke here.
[42:31.480 --> 42:33.480]  We'll go to that some other time.
[42:33.480 --> 42:37.480]  Okay, now we're going to go to Steve in Missouri.
[42:37.480 --> 42:38.480]  Hey, how are you all tonight?
[42:38.480 --> 42:39.480]  What's on your mind?
[42:39.480 --> 42:40.480]  Greetings.
[42:40.480 --> 42:41.480]  Greetings, please.
[42:41.480 --> 42:42.480]  Hello, this and that.
[42:42.480 --> 42:45.480]  I have a brief question for Deborah first.
[42:45.480 --> 42:47.480]  Okay.
[42:47.480 --> 42:51.480]  Hello?
[42:51.480 --> 42:53.480]  Okay, Steve dropped off.
[42:53.480 --> 42:55.480]  Wait, hold on.
[42:55.480 --> 42:57.480]  Steve, are you there?
[42:57.480 --> 42:59.480]  I've been here for 20 minutes.
[42:59.480 --> 43:01.480]  Okay, what is the question?
[43:01.480 --> 43:04.480]  Deborah, I have a music CD I'd like to mail you.
[43:04.480 --> 43:05.480]  Is there an address?
[43:05.480 --> 43:10.480]  The mailing address for Rule of Law Radio Network is on the Web site.
[43:10.480 --> 43:16.480]  Okay, I got a great Lee Scratch Perry recording live that I think you might like.
[43:16.480 --> 43:17.480]  Well, thank you.
[43:17.480 --> 43:18.480]  I appreciate that.
[43:18.480 --> 43:19.480]  Yeah, you'll love it.
[43:19.480 --> 43:23.480]  Turn your bass down when you start it because it's loud.
[43:23.480 --> 43:27.480]  Hey, I called about my mortgage.
[43:27.480 --> 43:31.480]  I bought a house in 95 St. Louis.
[43:31.480 --> 43:36.480]  We're in the State of Missouri Bar Association up here.
[43:36.480 --> 43:39.480]  And I'll hold.
[43:39.480 --> 43:42.480]  Okay, we'll be right back.
[43:42.480 --> 43:51.480]  Randy, to answer that question, you can probably look it up on the Internet to find out what the mailing address of the Bar Association is for Missouri.
[43:51.480 --> 44:01.480]  We'll be right back, folks, if you'd like to call in 512-646-1984.
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[46:13.480 --> 46:28.480]  Always, I must be careful what I'm wishing for.
[46:28.480 --> 46:33.480]  When I'm hungry, I like to know just what I'm fishing for.
[46:33.480 --> 46:39.480]  I ain't asking for much, I ain't trying to be no glutton.
[46:39.480 --> 46:45.480]  I'm just here making my living pushing buttons.
[46:45.480 --> 46:51.480]  I give my message out to anyone in short and distance.
[46:51.480 --> 46:57.480]  Both for bravery and against slavery, showing resistance.
[46:57.480 --> 47:02.480]  First I'm crawling, then I'm walking, then I start strutting.
[47:02.480 --> 47:20.480]  I'm just so glad to make my living pushing buttons.
[47:20.480 --> 47:25.480]  We sat down to play Monopoly, we all wanted to win the game.
[47:25.480 --> 47:28.480]  We gave some guy his money supply.
[47:28.480 --> 47:32.480]  Okay, Steve, we're back.
[47:32.480 --> 47:35.480]  Randy Kelton, Deborah Stevens, Eddie Craig.
[47:35.480 --> 47:39.480]  We're on our four-hour info marathon.
[47:39.480 --> 47:44.480]  The call-in number is 512-646-1984.
[47:44.480 --> 47:49.480]  And you had a question for us.
[47:49.480 --> 47:51.480]  Yeah, pleasure to speak to you all.
[47:51.480 --> 47:57.480]  Randy, I have a mortgage on a house in St. Louis County that I bought in 95.
[47:57.480 --> 48:04.480]  I was paying 9.25% in 95 with a local family-owned bank.
[48:04.480 --> 48:11.480]  And in 03, I refinanced with a local family-owned mortgage company,
[48:11.480 --> 48:17.480]  Gershman, a huge company in St. Louis, which I trusted at the time.
[48:17.480 --> 48:21.480]  And they immediately sold the mortgage to Countrywide.
[48:21.480 --> 48:29.480]  I didn't realize I was buying a less-than-the-prime mortgage when I bought it,
[48:29.480 --> 48:30.480]  when I got it.
[48:30.480 --> 48:40.480]  I didn't have one the first time, but it was a low-doc, stated income mortgage
[48:40.480 --> 48:44.480]  because they let me do that, and it was easier.
[48:44.480 --> 48:46.480]  I didn't realize I was getting in.
[48:46.480 --> 48:49.480]  But anyway, it went over to Countrywide right away,
[48:49.480 --> 48:51.480]  and of course Countrywide went away.
[48:51.480 --> 48:56.480]  I'm not at risk of losing the house right now.
[48:56.480 --> 48:59.480]  Okay, I have a couple of questions.
[48:59.480 --> 49:00.480]  Yeah.
[49:00.480 --> 49:02.480]  Do you have your paperwork close by?
[49:02.480 --> 49:04.480]  I've looked at it before.
[49:04.480 --> 49:05.480]  I don't have it in my hands.
[49:05.480 --> 49:11.480]  Did you notice the principal and interest on the truth in Lindy's statement?
[49:11.480 --> 49:19.480]  They're different from the stated. They conflict with what's stated in the note.
[49:19.480 --> 49:20.480]  Good.
[49:20.480 --> 49:22.480]  Yeah, and it is a Merz mortgage.
[49:22.480 --> 49:25.480]  Oh, you need to sue the crapola out of them.
[49:25.480 --> 49:30.480]  And apparently now you can go to Merz's website,
[49:30.480 --> 49:33.480]  and you can put in the electronic mortgage number,
[49:33.480 --> 49:35.480]  and it'll tell you who your servicer is.
[49:35.480 --> 49:38.480]  Obviously, I know who they are. That's Tank of America now.
[49:38.480 --> 49:42.480]  And it'll tell you who is the investor.
[49:42.480 --> 49:49.480]  And according to the Merz website, the investor is the government, is Freddie Mac, I believe.
[49:49.480 --> 49:51.480]  Freddie Mac. Okay.
[49:51.480 --> 49:55.480]  That's probably horse manure.
[49:55.480 --> 49:57.480]  They've clouded my title.
[49:57.480 --> 49:59.480]  Exactly, they've clouded your title.
[49:59.480 --> 50:02.480]  And now my sister's a big shot at Bank of America in St. Louis,
[50:02.480 --> 50:05.480]  but she won't talk to me about this.
[50:05.480 --> 50:07.480]  I suspect not.
[50:07.480 --> 50:11.480]  I imagine her pension's in the toilet, too, right now.
[50:11.480 --> 50:13.480]  I suspect so.
[50:13.480 --> 50:18.480]  So if you are up to date on your mortgage,
[50:18.480 --> 50:24.480]  then this is the best time to land on them like a ton of bricks.
[50:24.480 --> 50:25.480]  Yes, sir.
[50:25.480 --> 50:30.480]  Run the note, run the truth and lending and note together.
[50:30.480 --> 50:35.480]  Do an amortization. This is what we do at Rebiddy's Real Estate.
[50:35.480 --> 50:40.480]  You take the principle and interest from the note
[50:40.480 --> 50:43.480]  and just search around on the Internet.
[50:43.480 --> 50:50.480]  You can find a spreadsheet, an amortization program for an Excel spreadsheet.
[50:50.480 --> 50:51.480]  That way you can see all the numbers.
[50:51.480 --> 50:54.480]  And compare the two and find the difference.
[50:54.480 --> 50:55.480]  Yeah.
[50:55.480 --> 50:59.480]  Find the difference in the payment amount that calculates.
[50:59.480 --> 51:07.480]  And then go to the note side, run an amortization on the note so it generates payment amount.
[51:07.480 --> 51:12.480]  And run an amortization on truth and lending statement so it generates payment amount.
[51:12.480 --> 51:21.480]  And calculate the difference and assume that every month you pay the amount on the truth and lending.
[51:21.480 --> 51:24.480]  And you've calculated how much extra you're paying,
[51:24.480 --> 51:34.480]  so run the note amortization with a overpayment in the amount of the excess.
[51:34.480 --> 51:39.480]  And you will be surprised how much you'll overpay.
[51:39.480 --> 51:45.480]  One of the first ones I did was a $21 a month overpayment.
[51:45.480 --> 51:55.480]  And over the life of a $115,000 note, he would overpay the note by $44,000.
[51:55.480 --> 51:56.480]  Yes, sir.
[51:56.480 --> 52:01.480]  And I can assume that they probably financed the fees as well.
[52:01.480 --> 52:02.480]  They rolled the fees into the...
[52:02.480 --> 52:04.480]  Oh, that's a given.
[52:04.480 --> 52:05.480]  Right.
[52:05.480 --> 52:07.480]  Because you're not supposed to do, correct?
[52:07.480 --> 52:09.480]  We put out about 300 suits.
[52:09.480 --> 52:23.480]  And in those suits, we have maintained that the lender at closing charged fees on the HUD-1 settlement statement.
[52:23.480 --> 52:32.480]  But he failed to provide documentation to show that those fees were not otherwise excluded by law.
[52:32.480 --> 52:37.480]  And what that means is there are only certain fees that the lender can charge you.
[52:37.480 --> 52:42.480]  He can charge you those fees that you would have to pay to purchase house and cash
[52:42.480 --> 52:50.480]  and those fees that the lender must pay to a third-party vendor, except you can't charge everything.
[52:50.480 --> 53:02.480]  Those fees that are the normal part of doing business are intended to be absorbed by the interest that the lender charges, the finance charge.
[53:02.480 --> 53:07.480]  So he's not allowed to add those to the head of the note and then charge your interest on it for 30 years.
[53:07.480 --> 53:11.480]  So since we don't know which ones are valid and which ones are not,
[53:11.480 --> 53:20.480]  since he gave us no documentation to show that the fees were allowed by law, that the services rendered were necessary,
[53:20.480 --> 53:28.480]  the amounts charged were reasonable, and that the lender did not take an undisclosed markup on the fees charged.
[53:28.480 --> 53:34.480]  So we don't know that any of them are proper, so we claim they're all bogus.
[53:34.480 --> 53:36.480]  Take them all off the note.
[53:36.480 --> 53:41.480]  Head of the note as a overpayment on the first payment.
[53:41.480 --> 53:50.480]  That's why if you have a spreadsheet, then you can go in the spreadsheet and just put in an overpayment in the column for overpayments.
[53:50.480 --> 53:54.480]  And like the first one we did was like $12,000.
[53:54.480 --> 54:08.480]  Over the life of the note, when you took the $12,000 off the head of the note, he would overpay $50,000 on a $115,000 note.
[54:08.480 --> 54:10.480]  That's almost half.
[54:10.480 --> 54:18.480]  So when they add extra fees, it's not the fees they care so much about.
[54:18.480 --> 54:20.480]  It's all the interest they're going to collect on those fees.
[54:20.480 --> 54:22.480]  The compounding interest on the fees.
[54:22.480 --> 54:35.480]  If you have a principal and they add $1 to the principal, that $1 is the very last dollar you pay.
[54:35.480 --> 54:39.480]  So you'll pay interest on that for 30 years.
[54:39.480 --> 54:47.480]  On a 6% note, over 30 years, $1,000 will increase like to $5,900 and something.
[54:47.480 --> 54:51.480]  So almost six times.
[54:51.480 --> 54:53.480]  So that's a big deal.
[54:53.480 --> 54:56.480]  I'm at six and five-eighths.
[54:56.480 --> 55:11.480]  Now, the guy who wrote this refi sold the thing to Countrywide, but the fraud, if there was fraud committed at that point, the fraud attaches to the new owner of a note, right?
[55:11.480 --> 55:28.480]  Okay, vicarious liability in the last suit I put together because of the claims we were getting from the defendants and saying, oh, I don't have anything to do with that.
[55:28.480 --> 55:38.480]  And we were claiming the 16 CFR 433, the Holder Rule, Federal Trade Commission Holder Rule.
[55:38.480 --> 55:54.480]  They maintained that these mortgage companies were going into business creating predatory loans and then selling the security instrument and going out of business, leaving the borrower with no remedy.
[55:54.480 --> 56:14.480]  Therefore, in the matter of a residential mortgage based on a consumer transaction, any purchaser of the security instrument is subject to any claim the borrower would have against the lender.
[56:14.480 --> 56:21.480]  Well, in researching vicarious liability, you don't need the Holder Rule.
[56:21.480 --> 56:33.480]  Anyone who participated with the lender in the process of creating the fraud is vicariously liable for the harm that's caused.
[56:33.480 --> 56:38.480]  And in this case, the harm is foreclosure, and foreclosure is not divisible.
[56:38.480 --> 56:43.480]  You can't divide up the harm of a foreclosure, it's a single thing.
[56:43.480 --> 56:56.480]  And therefore, under the doctrine of vicarious liability, anyone who participated is vicariously liable for the full amount of the harm.
[56:56.480 --> 57:01.480]  And what we maintain is, see, we don't want to sue everybody.
[57:01.480 --> 57:03.480]  Well, I'd like to.
[57:03.480 --> 57:24.480]  The problem is, is each one you sue, real estate broker, appraiser, inspector, if there were any inspectors, underwriter, closing agent, lender, servicer, aggregator, the...
[57:24.480 --> 57:25.480]  I hadn't thought of the appraiser.
[57:25.480 --> 57:27.480]  Well, so who do I go after?
[57:27.480 --> 57:34.480]  You go after whoever is, if you're not in foreclosure, you go after the servicer.
[57:34.480 --> 57:39.480]  The servicer is the one that's collecting the false fees.
[57:39.480 --> 57:50.480]  And you can claim them as being the one that causes the harm that was the intent of the entire fraud, and hold them completely responsible.
[57:50.480 --> 57:56.480]  Now, if they think somebody else should pay, well, they can cross-complain all they want to.
[57:56.480 --> 58:02.480]  But if you sue all these people, it costs you a hundred bucks a piece to have them served.
[58:02.480 --> 58:05.480]  And then every time you file a plea, you'll have to copy everybody.
[58:05.480 --> 58:09.480]  It gets in the interest of judicial economy.
[58:09.480 --> 58:13.480]  We go to vicarious liability and only sue one individual.
[58:13.480 --> 58:18.480]  If they want to sue the rest of them, knock yourself out, Bubba.
[58:18.480 --> 58:20.480]  At least that's our position.
[58:20.480 --> 58:26.480]  Okay. This is Randy Kelton, Eddie Craig, Deborah Stevens, Wheel of Law Radio.
[58:26.480 --> 58:30.480]  Steve, do you have any more questions or comments for the...
[58:30.480 --> 58:31.480]  Maybe just briefly.
[58:31.480 --> 58:34.480]  Okay. Then we'll bring you back up briefly on the other side.
[58:34.480 --> 58:36.480]  The call board, just stack it up.
[58:36.480 --> 58:43.480]  Call us at 512-646-1984 for our four-hour info marathon.
[58:43.480 --> 58:46.480]  And we will try to answer all your questions.
[58:46.480 --> 58:50.480]  If we can't, we'll just mute you and forget about it.
[58:50.480 --> 58:51.480]  Or not.
[58:51.480 --> 58:54.480]  Okay. We'll be right back on the other side.
[58:54.480 --> 58:56.480]  Thank you for putting up with my humor.
[58:59.480 --> 59:03.480]  The Bible remains the most popular book in the world.
[59:03.480 --> 59:07.480]  Yet countless readers are frustrated because they struggle to understand it.
[59:07.480 --> 59:11.480]  Some new translations try to help by simplifying the text,
[59:11.480 --> 59:16.480]  but in the process can compromise the profound meaning of the Scripture.
[59:16.480 --> 59:18.480]  Enter the recovery version.
[59:18.480 --> 59:22.480]  First, this new translation is extremely faithful and accurate,
[59:22.480 --> 59:27.480]  but the real story is the more than 9,000 explanatory footnotes.
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[59:31.480 --> 59:37.480]  providing an entrance into the riches of the Word beyond which you've ever experienced before.
[59:37.480 --> 59:43.480]  Bibles for America would like to give you a free recovery version simply for the asking.
[59:43.480 --> 59:53.480]  This comprehensive yet compact study Bible is yours just by calling us toll free at 1-888-551-0102
[59:53.480 --> 59:57.480]  or by ordering online at freestudybible.com.
[59:57.480 --> 01:00:00.480]  That's freestudybible.com.
[01:00:00.480 --> 01:00:04.480]  This news brief brought to you by the International News Net.
[01:00:04.480 --> 01:00:08.480]  A U.S. teenager detained in Kuwait two weeks ago told the New York Times Wednesday
[01:00:08.480 --> 01:00:14.480]  he was severely beaten, deprived of sleep, and interrogated at the behest of U.S. officials.
[01:00:14.480 --> 01:00:19.480]  Gulet Mohammed said he was grilled by FBI agents who said he could not return to the U.S.
[01:00:19.480 --> 01:00:25.480]  until he gave truthful answers about his travels to Yemen and Somalia.
[01:00:25.480 --> 01:00:28.480]  Republicans have promised a reduced wasteful spending,
[01:00:28.480 --> 01:00:32.480]  but Vanity Fair writer Peter Keating estimates their recitation
[01:00:32.480 --> 01:00:37.480]  of the U.S. Constitution in the House Thursday during which no business will be conducted
[01:00:37.480 --> 01:00:40.480]  will cost taxpayers over $1 million.
[01:00:40.480 --> 01:00:44.480]  Republicans have put Medicare, food stamps, and Social Security on the chopping block
[01:00:44.480 --> 01:00:48.480]  that say military cuts are out of the question.
[01:00:48.480 --> 01:00:53.480]  Captain Owen Honors was relieved of command on the Navy's USS Enterprise this week
[01:00:53.480 --> 01:00:59.480]  after footage from a series of raunchy movies he produced in 2006 and 2007 were made public.
[01:00:59.480 --> 01:01:05.480]  Honors forced his staff to watch and participate in skits depicting simulated masturbation,
[01:01:05.480 --> 01:01:08.480]  rectal exams, and females showering together.
[01:01:08.480 --> 01:01:14.480]  The Navy Times reported Thursday Navy higher-ups may have known about Honors' videos.
[01:01:14.480 --> 01:01:19.480]  Whoever dumped the body of John Wheeler, a prominent national defense consultant,
[01:01:19.480 --> 01:01:22.480]  into a garbage bin in Newark, Delaware on New Year's Eve,
[01:01:22.480 --> 01:01:28.480]  risked being detected by surveillance cameras since some dumpsters were in well-lit parking lots.
[01:01:28.480 --> 01:01:33.480]  Police still don't know which of the 10 bins collected that night contained the body.
[01:01:33.480 --> 01:01:38.480]  Wheeler, who was instrumental in getting the Vietnam War Memorial built in Washington,
[01:01:38.480 --> 01:01:45.480]  helped develop an Air Force program to combat cyber attacks on U.S. weapons systems under George Bush.
[01:01:45.480 --> 01:01:50.480]  Wheeler was suing to block Frank and Regina Marini from continuing to build a new house
[01:01:50.480 --> 01:01:53.480]  across the street from his duplex.
[01:01:53.480 --> 01:01:59.480]  Police say the property dispute was, quote, one facet of the investigation.
[01:01:59.480 --> 01:02:04.480]  Faced with growing budget deficits, elected officials across the U.S. are pushing new legislation
[01:02:04.480 --> 01:02:09.480]  to limit the power of labor unions, particularly those representing government workers.
[01:02:09.480 --> 01:02:15.480]  State officials from both parties are wrestling with ways to slash government employees' salaries and pensions.
[01:02:15.480 --> 01:02:21.480]  New York's new Democratic governor, Andrew Cuomo, has called for a one-year salary freeze for state workers.
[01:02:21.480 --> 01:02:26.480]  Wisconsin's governor, Scott Walker, is threatening to take away government workers' rights
[01:02:26.480 --> 01:02:29.480]  to form unions and bargain contracts.
[01:02:29.480 --> 01:02:35.480]  And Republican lawmakers in Indiana, Maine, Missouri, and seven other states plan to introduce legislation
[01:02:35.480 --> 01:02:40.480]  barring private sector unions from obligating the workers they represent to pay dues or fees,
[01:02:40.480 --> 01:02:43.480]  reducing the flow of funds to union treasuries.
[01:02:43.480 --> 01:02:47.480]  Charles Wilson, a law professor at Ohio State University, said, quote,
[01:02:47.480 --> 01:02:52.480]  In the long run, if these measures deprive unions of resources, they'll melt away.
[01:03:18.480 --> 01:03:29.480]  Yes, all according to the will of the Almighty
[01:03:29.480 --> 01:03:36.480]  I read his book and it says he cares not for the unsightly
[01:03:36.480 --> 01:03:45.480]  These warmongers come by that term rightly
[01:03:45.480 --> 01:03:48.480]  I won't pay for the war with my body
[01:03:48.480 --> 01:03:52.480]  Ain't gonna pay for the car with my money
[01:03:52.480 --> 01:03:55.480]  I won't pay for the fun with my body
[01:03:55.480 --> 01:03:58.480]  Their plans wicked and their logic shoddy
[01:03:58.480 --> 01:04:02.480]  Ain't gonna pay for the oil with my body
[01:04:02.480 --> 01:04:05.480]  I won't pay for the boys with my money
[01:04:05.480 --> 01:04:09.480]  Ain't gonna pay for the kids with my body
[01:04:09.480 --> 01:04:13.480]  The whole agenda smells funny
[01:04:13.480 --> 01:04:19.480]  I want to fight in a war of my own
[01:04:19.480 --> 01:04:26.480]  That one would be less accidental
[01:04:26.480 --> 01:04:33.480]  I want to pay for a war of my own
[01:04:33.480 --> 01:04:40.480]  They live in glass houses so I can watch them grow old
[01:04:40.480 --> 01:04:43.480]  I want to fight in a war I can win
[01:04:43.480 --> 01:04:46.480]  I could never win the one that they got me in
[01:04:46.480 --> 01:04:50.480]  That one, I lose one before it begins
[01:04:50.480 --> 01:04:53.480]  I want to pay for a war I can win
[01:04:53.480 --> 01:05:00.480]  When I'm fighting in my own war
[01:05:00.480 --> 01:05:10.480]  It's such a peaceful feeling
[01:05:31.480 --> 01:05:34.480]  Well, Randy, would Remedies in Real Estate
[01:05:34.480 --> 01:05:37.480]  plug in on an issue on a situation like this?
[01:05:37.480 --> 01:05:40.480]  Absolutely, this is what we're designed to do.
[01:05:40.480 --> 01:05:43.480]  Okay, and what, and I'm gonna try and go quick here,
[01:05:43.480 --> 01:05:45.480]  excuse me if I talk over you.
[01:05:45.480 --> 01:05:48.480]  What kind of, you know, the remedy I'm looking for
[01:05:48.480 --> 01:05:50.480]  is a clear title and no more payments,
[01:05:50.480 --> 01:05:52.480]  but maybe that's unrealistic.
[01:05:52.480 --> 01:05:54.480]  Am I looking for a monetary resettlement,
[01:05:54.480 --> 01:05:57.480]  or how do I, that still wouldn't clear my title.
[01:05:57.480 --> 01:06:02.480]  Well, that, good chance you could get guaranteed clear title.
[01:06:02.480 --> 01:06:05.480]  That is a, that's becoming the big deal.
[01:06:05.480 --> 01:06:10.480]  In the courts, if you're up to date,
[01:06:10.480 --> 01:06:15.480]  most people who are up on their payments and they file a suit,
[01:06:15.480 --> 01:06:18.480]  you go in with clean hands.
[01:06:18.480 --> 01:06:25.480]  The other side has no way, no counter argument against you.
[01:06:25.480 --> 01:06:27.480]  You know, they don't have a claim they can bring.
[01:06:27.480 --> 01:06:32.480]  So they're looking at a cost calculation,
[01:06:32.480 --> 01:06:35.480]  and it costs a lot.
[01:06:35.480 --> 01:06:36.480]  I hear you.
[01:06:36.480 --> 01:06:42.480]  We have a guy here in Austin who's fighting a Class C misdemeanor,
[01:06:42.480 --> 01:06:43.480]  and he's filed a lot of motions,
[01:06:43.480 --> 01:06:46.480]  and the other side's having to answer the motions,
[01:06:46.480 --> 01:06:49.480]  and they came into court complaining
[01:06:49.480 --> 01:06:58.480]  that he has cost the city $80,000 to prosecute a Class C misdemeanor.
[01:06:58.480 --> 01:07:03.480]  So it, you know, these guys are in the same position.
[01:07:03.480 --> 01:07:08.480]  It doesn't cost you 200 bucks an hour or 300 bucks an hour
[01:07:08.480 --> 01:07:09.480]  to answer these pleadings.
[01:07:09.480 --> 01:07:11.480]  It does cost them that.
[01:07:11.480 --> 01:07:14.480]  Listen, I made that on my silver this year.
[01:07:14.480 --> 01:07:16.480]  Oh, good man.
[01:07:16.480 --> 01:07:18.480]  You know what I mean?
[01:07:18.480 --> 01:07:24.480]  When most people who file, when they're up to date on their payments,
[01:07:24.480 --> 01:07:30.480]  immediately they get an offer to modify from the lender,
[01:07:30.480 --> 01:07:33.480]  and they generally get a substantial offer to modify
[01:07:33.480 --> 01:07:36.480]  because the lender's looking at losing a lot of money.
[01:07:36.480 --> 01:07:41.480]  And then maybe I would file for quiet title after I won that first round?
[01:07:41.480 --> 01:07:50.480]  I would not, you know, I take the offer to modify as the other side blinking.
[01:07:50.480 --> 01:07:53.480]  I wouldn't take it initially.
[01:07:53.480 --> 01:07:55.480]  Quiet title is a big deal.
[01:07:55.480 --> 01:07:56.480]  Oh.
[01:07:56.480 --> 01:07:57.480]  And I would do that.
[01:07:57.480 --> 01:07:59.480]  So they could modify, excuse me,
[01:07:59.480 --> 01:08:04.480]  they could maybe say they lower my payment to $150 a month,
[01:08:04.480 --> 01:08:08.480]  and I still have a house with a clouded chain?
[01:08:08.480 --> 01:08:09.480]  Title, yes.
[01:08:09.480 --> 01:08:11.480]  Well, you could pay your house off
[01:08:11.480 --> 01:08:17.480]  and have 20 guys standing in line to make the same claim against you.
[01:08:17.480 --> 01:08:19.480]  Well, then do I just wait and deal with that when it comes?
[01:08:19.480 --> 01:08:25.480]  Well, what you do is petition the court for quiet title.
[01:08:25.480 --> 01:08:27.480]  And the argument is this.
[01:08:27.480 --> 01:08:32.480]  When you purchased, you purchased title insurance.
[01:08:32.480 --> 01:08:36.480]  And the title insurance insured it up to the point that you signed the note,
[01:08:36.480 --> 01:08:42.480]  and after that the lender defrauded you
[01:08:42.480 --> 01:08:47.480]  by selling your note to multiple purchasers.
[01:08:47.480 --> 01:08:50.480]  Now the lender has clouded the title.
[01:08:50.480 --> 01:08:54.480]  And since the title was clouded in an act of fraud,
[01:08:54.480 --> 01:09:03.480]  you ask the court to throw out any claim that results against your title
[01:09:03.480 --> 01:09:07.480]  as a result of the fraud committed by the lender.
[01:09:07.480 --> 01:09:11.480]  And if the claimant wants to raise a claim,
[01:09:11.480 --> 01:09:14.480]  let him raise it against the lender with whom he did business.
[01:09:14.480 --> 01:09:17.480]  You did no business with this person.
[01:09:17.480 --> 01:09:20.480]  So you owe him no deference.
[01:09:20.480 --> 01:09:25.480]  If he feels like he's been defrauded, he can sue the lender
[01:09:25.480 --> 01:09:30.480]  and ask the court to grant you quiet title.
[01:09:30.480 --> 01:09:31.480]  Sounds good.
[01:09:31.480 --> 01:09:33.480]  Randy, I know a lot of people want to call in.
[01:09:33.480 --> 01:09:36.480]  I'm better with numbers than I am with text on a page.
[01:09:36.480 --> 01:09:37.480]  I'm not a very good reader.
[01:09:37.480 --> 01:09:40.480]  I'm a poor reader.
[01:09:40.480 --> 01:09:44.480]  But I'll run these numbers and contact you via email.
[01:09:44.480 --> 01:09:49.480]  Okay, email at Randy at Remedies in Real Estate.
[01:09:49.480 --> 01:09:50.480]  Right.
[01:09:50.480 --> 01:09:55.480]  And we have a data input page on our website where you can put in the numbers,
[01:09:55.480 --> 01:09:59.480]  and we'll crunch the numbers through a spreadsheet and send them back to you.
[01:09:59.480 --> 01:10:02.480]  I think you'll like what we find.
[01:10:02.480 --> 01:10:03.480]  That sounds great.
[01:10:03.480 --> 01:10:05.480]  Hey, I didn't hear the beginning of the show.
[01:10:05.480 --> 01:10:07.480]  You know about the Massachusetts case today, right?
[01:10:07.480 --> 01:10:08.480]  Yes, yes, I do.
[01:10:08.480 --> 01:10:11.480]  That's what we started the show talking about.
[01:10:11.480 --> 01:10:13.480]  Okay, that's what I missed.
[01:10:13.480 --> 01:10:19.480]  And my first comment tonight was that I live in the state of the Missouri bar.
[01:10:19.480 --> 01:10:20.480]  Yes.
[01:10:20.480 --> 01:10:22.480]  Because we have the same situation, the other caller.
[01:10:22.480 --> 01:10:28.480]  We have self-licensing, self-policing attorneys and judges in this state.
[01:10:28.480 --> 01:10:33.480]  But do you have self-insuring?
[01:10:33.480 --> 01:10:35.480]  That's the part that matters.
[01:10:35.480 --> 01:10:37.480]  Florida does, and that sucks.
[01:10:37.480 --> 01:10:39.480]  But as far as I know, Florida is the only one.
[01:10:39.480 --> 01:10:45.480]  The reason we file bar grievances, we don't expect the bar to do diddly-squat.
[01:10:45.480 --> 01:10:48.480]  But it goes against your insurance anyway,
[01:10:48.480 --> 01:10:54.480]  and that's the real harm it causes the attorneys.
[01:10:54.480 --> 01:11:00.480]  So when you file a bar grievance and the bar sends you back a notice that says,
[01:11:00.480 --> 01:11:02.480]  we examined into your complaint,
[01:11:02.480 --> 01:11:10.480]  and we find that the allegations do not rise to the level of misconduct.
[01:11:10.480 --> 01:11:15.480]  You just grin real big and say, wonderful,
[01:11:15.480 --> 01:11:19.480]  because the insurance carrier knows they're going to do that.
[01:11:19.480 --> 01:11:25.480]  They know they're going to deny the grievance, whether it's valid or not,
[01:11:25.480 --> 01:11:29.480]  so they're going to raise their insurance anyway.
[01:11:29.480 --> 01:11:30.480]  And they'll sting them good.
[01:11:30.480 --> 01:11:33.480]  Yeah, the insurance companies just assume all the bar grievances are true.
[01:11:33.480 --> 01:11:38.480]  They have to, because the bar never adjudicates any of the bar grievances.
[01:11:38.480 --> 01:11:40.480]  They always stand by the attorney.
[01:11:40.480 --> 01:11:47.480]  And so there's no way for the insurance companies to evaluate their risk level
[01:11:47.480 --> 01:11:54.480]  based on what the bar association says about the bar grievance.
[01:11:54.480 --> 01:11:57.480]  There's no way for them to evaluate their risk.
[01:11:57.480 --> 01:12:01.480]  And so they just have to assume worst-case scenario,
[01:12:01.480 --> 01:12:03.480]  and they just assume they're all true.
[01:12:03.480 --> 01:12:07.480]  So it actually works in our favor that the bar associations
[01:12:07.480 --> 01:12:09.480]  won't pay any attention to our bar grievances.
[01:12:09.480 --> 01:12:10.480]  Just file them.
[01:12:10.480 --> 01:12:11.480]  It'll hurt them anyway.
[01:12:11.480 --> 01:12:13.480]  They get too many bar grievances against them.
[01:12:13.480 --> 01:12:16.480]  They can't get insurance for malpractice.
[01:12:16.480 --> 01:12:18.480]  They lose their career.
[01:12:18.480 --> 01:12:21.480]  And too many is too.
[01:12:21.480 --> 01:12:26.480]  If you insure your car and go to Walmart and go in, come out,
[01:12:26.480 --> 01:12:29.480]  and somebody's bashed in your fender, the insurance company's going to fix it.
[01:12:29.480 --> 01:12:32.480]  You go back nuts months, somebody bashed in another fender,
[01:12:32.480 --> 01:12:34.480]  they're going to fix it and cancel your insurance.
[01:12:34.480 --> 01:12:36.480]  They don't care whose fault it was.
[01:12:36.480 --> 01:12:38.480]  Same thing with these attorneys.
[01:12:38.480 --> 01:12:40.480]  It really hurts them.
[01:12:40.480 --> 01:12:43.480]  They will never tell you.
[01:12:43.480 --> 01:12:46.480]  And I like that part because you get to sting them really good,
[01:12:46.480 --> 01:12:49.480]  and they can't even complain about it.
[01:12:49.480 --> 01:12:53.480]  Because if they complain about it, I'll file a bar grievance for that.
[01:12:53.480 --> 01:12:58.480]  Do they have electronic filing of these bar grievances?
[01:12:58.480 --> 01:13:00.480]  Oh, no, no.
[01:13:00.480 --> 01:13:03.480]  In Missouri, I don't know.
[01:13:03.480 --> 01:13:07.480]  No, you have to download the form, fill it out, and send it.
[01:13:07.480 --> 01:13:11.480]  I'm preparing, as soon as I get finished with the first litigation engine,
[01:13:11.480 --> 01:13:16.480]  the next two on the agenda, bar grievance and judicial conduct complaint.
[01:13:16.480 --> 01:13:21.480]  What I was thinking of that we really need in Texas is a judicial conduct
[01:13:21.480 --> 01:13:25.480]  and bar grievance clearinghouse website.
[01:13:25.480 --> 01:13:27.480]  That's exactly what I'm producing.
[01:13:27.480 --> 01:13:29.480]  I'm producing a website.
[01:13:29.480 --> 01:13:32.480]  I own judicialconduct.com.
[01:13:32.480 --> 01:13:35.480]  So I'll be setting that up.
[01:13:35.480 --> 01:13:39.480]  So you go in and fill out the questionnaire, put in the state you're from,
[01:13:39.480 --> 01:13:45.480]  and it will fill out, it will prepare a bar grievance for you and send it to you.
[01:13:45.480 --> 01:13:54.480]  It will also take that bar grievance and put it on the website as a page.
[01:13:54.480 --> 01:13:57.480]  Now, the page has no link to it.
[01:13:57.480 --> 01:14:01.480]  So if you go to the website, you can't find that page.
[01:14:01.480 --> 01:14:08.480]  However, it does have a header on it with the name of the individual in the header.
[01:14:08.480 --> 01:14:13.480]  And when a browser, when you do a search on the browser,
[01:14:13.480 --> 01:14:18.480]  it looks at pages and looks for what's in the header.
[01:14:18.480 --> 01:14:25.480]  So I once filed a complaint with the attorney general here in Texas,
[01:14:25.480 --> 01:14:32.480]  and the district attorney filed an answer that was really scathing.
[01:14:32.480 --> 01:14:38.480]  They ran my name once and got a hit directly on that document.
[01:14:38.480 --> 01:14:43.480]  They did not realize what a mistake that was.
[01:14:43.480 --> 01:14:48.480]  There was no way to find the document directly, but if you ran my name, you'd find it.
[01:14:48.480 --> 01:14:56.480]  If you run the attorney's name, bam, you get a hit right on the bar grievance.
[01:14:56.480 --> 01:15:01.480]  Yeah, maybe we could even put a search engine on the website like a lot of websites do
[01:15:01.480 --> 01:15:04.480]  to be able to search within the website.
[01:15:04.480 --> 01:15:05.480]  Exactly.
[01:15:05.480 --> 01:15:08.480]  Well, yeah, we really need to build an internal database of these attorneys
[01:15:08.480 --> 01:15:13.480]  and each bar grievance file so we can generate reports on that and display that on the site as well.
[01:15:13.480 --> 01:15:16.480]  Yes, we will restore all that information.
[01:15:16.480 --> 01:15:22.480]  But the primary thing is we post the grievance to a page on the website.
[01:15:22.480 --> 01:15:24.480]  Now, here's the deal.
[01:15:24.480 --> 01:15:29.480]  In Utah, if you file a bar grievance, once you file it or a judicata complaint,
[01:15:29.480 --> 01:15:33.480]  you cannot reveal the content or that you filed it.
[01:15:33.480 --> 01:15:34.480]  It's a felony.
[01:15:34.480 --> 01:15:35.480]  Right.
[01:15:35.480 --> 01:15:41.480]  However, when you go to my website and fill out the questionnaire and it creates the document,
[01:15:41.480 --> 01:15:46.480]  it hasn't been filed yet, so it's not secret yet.
[01:15:46.480 --> 01:15:56.480]  And when you file the document, the requirement for secrecy does not extend back to me.
[01:15:56.480 --> 01:16:01.480]  And is there a limit on how far back you can go on a bar grievance?
[01:16:01.480 --> 01:16:04.480]  I think it's a year.
[01:16:04.480 --> 01:16:08.480]  Oh, because I've run into some dirty lawyers in the last 20 years.
[01:16:08.480 --> 01:16:11.480]  Wait, that's sort of saying it backwards, isn't it?
[01:16:11.480 --> 01:16:14.480]  When have you not run into a dirty lawyer?
[01:16:14.480 --> 01:16:19.480]  Well, the ones that pay me to work on their house and they pay me really good
[01:16:19.480 --> 01:16:23.480]  and then we have scotch until midnight at the end of the day or whatever.
[01:16:23.480 --> 01:16:27.480]  But I don't like them either.
[01:16:27.480 --> 01:16:33.480]  Now, that one I just mentioned, I've seen her about some real minor things in the last couple years
[01:16:33.480 --> 01:16:37.480]  and she treats me more like a judge than a lawyer in the office.
[01:16:37.480 --> 01:16:40.480]  She's already judged the whole situation.
[01:16:40.480 --> 01:16:43.480]  All right, well listen, Steve, we need to let you go because we're coming to break
[01:16:43.480 --> 01:16:45.480]  and we've got a full board of callers.
[01:16:45.480 --> 01:16:48.480]  So thanks for calling in and we'll talk to you next time.
[01:16:48.480 --> 01:16:50.480]  Deborah, you've got a great ear.
[01:16:50.480 --> 01:16:51.480]  Okay, great.
[01:16:51.480 --> 01:16:52.480]  Thank you.
[01:16:52.480 --> 01:16:57.480]  We are going now to Jim in Washington when we get back on the other side.
[01:17:22.480 --> 01:17:25.480]  We offer daily specials on coins and bullion.
[01:17:25.480 --> 01:17:30.480]  We are located at 5448 Burnett Road, Suite 3 at the corner of Burnett and Shulmont
[01:17:30.480 --> 01:17:34.480]  and we're open Monday through Friday, 10 to 6, Saturdays 10 to 5.
[01:17:34.480 --> 01:17:37.480]  You are welcome to stop in our shop during regular business hours
[01:17:37.480 --> 01:17:42.480]  or call 512-646-6440 with any questions.
[01:17:42.480 --> 01:17:46.480]  Ask for Chad and say you've heard about us on Lula La Radio or Texas Liberty Radio.
[01:17:46.480 --> 01:17:49.480]  That's Capital Coin and Bullion at the corner of Burnett and Shulmont
[01:17:49.480 --> 01:17:53.480]  and we're open Monday through Friday, 10 to 6, Saturdays 10 to 5.
[01:17:53.480 --> 01:18:00.480]  That's Capital Coin and Bullion, 512-646-6440.
[01:18:00.480 --> 01:18:03.480]  It is so enlightening to listen to 90.1 FM,
[01:18:03.480 --> 01:18:06.480]  but finding things on the Internet isn't so easy
[01:18:06.480 --> 01:18:09.480]  and neither is finding like-minded people to share it with.
[01:18:09.480 --> 01:18:12.480]  Oh, well I guess you haven't heard of Brave New Books then.
[01:18:12.480 --> 01:18:13.480]  Brave New Books?
[01:18:13.480 --> 01:18:17.480]  Yes, Brave New Books has all the books and DVDs you're looking for by authors
[01:18:17.480 --> 01:18:20.480]  like Alex Jones, Ron Paul, and G. Edward Griffin.
[01:18:20.480 --> 01:18:24.480]  They even stock inner food, Berkey products, and Calvin Soaps.
[01:18:24.480 --> 01:18:26.480]  There's no way a place like that exists.
[01:18:26.480 --> 01:18:28.480]  Go check it out for yourself.
[01:18:28.480 --> 01:18:32.480]  It's downtown at 1904 Guadalupe Street just south of UT.
[01:18:32.480 --> 01:18:36.480]  By UT, there's never anywhere to park down there.
[01:18:36.480 --> 01:18:39.480]  Actually, they now offer a free hour of parking for paying customers
[01:18:39.480 --> 01:18:44.480]  at the 500 MLK parking facility just behind the bookstore.
[01:18:44.480 --> 01:18:47.480]  It does exist, but when are they open?
[01:18:47.480 --> 01:18:52.480]  Monday through Saturday, 11 AM to 9 PM and 1 to 6 PM on Sundays.
[01:18:52.480 --> 01:18:56.480]  So give them a call at 512-480-2503
[01:18:56.480 --> 01:19:21.480]  or check out their events page at bravenewbookstore.com.
[01:19:26.480 --> 01:19:31.480]  I was blindsided, but now I can see your plans.
[01:19:31.480 --> 01:19:36.480]  You put the fear in my pocket, took the money from my hand.
[01:19:36.480 --> 01:19:45.480]  Ain't gonna fool me with that same old trick again.
[01:19:45.480 --> 01:20:05.480]  Ain't gonna drop me with that same old sucker punch.
[01:20:05.480 --> 01:20:10.480]  I get it now, but then I must have been out too much.
[01:20:10.480 --> 01:20:15.480]  Back then you had room to move, but now you're feeling the crunch.
[01:20:15.480 --> 01:20:36.480]  Ain't gonna get me with that same old sucker punch.
[01:20:36.480 --> 01:20:38.480]  Okay, we are back.
[01:20:38.480 --> 01:20:43.480]  We're here on our Friday four-hour info marathon,
[01:20:43.480 --> 01:20:46.480]  and we are going now to Jim in Washington.
[01:20:46.480 --> 01:20:48.480]  Jim, thanks for calling in. What's on your mind tonight?
[01:20:48.480 --> 01:20:52.480]  Good evening. Sorry.
[01:20:52.480 --> 01:20:55.480]  First of all, bar grievances,
[01:20:55.480 --> 01:20:59.480]  Randy was saying there's a year of statute of limitations on those basically.
[01:20:59.480 --> 01:21:03.480]  Is that from the time you find out there's a bar grievance to be had?
[01:21:03.480 --> 01:21:04.480]  Yes.
[01:21:04.480 --> 01:21:06.480]  Okay, cool.
[01:21:06.480 --> 01:21:10.480]  Next thing is, is there a place you can go to find out
[01:21:10.480 --> 01:21:14.480]  what kinds of things you can file bar grievances on?
[01:21:14.480 --> 01:21:15.480]  Wish there was.
[01:21:15.480 --> 01:21:23.480]  I have a book I came across at a half-price bookstore several years ago,
[01:21:23.480 --> 01:21:27.480]  and it's on malpractice.
[01:21:27.480 --> 01:21:32.480]  So anything you could sue for, you could file a bar grievance for.
[01:21:32.480 --> 01:21:33.480]  Okay.
[01:21:33.480 --> 01:21:36.480]  There's an easier way.
[01:21:36.480 --> 01:21:39.480]  Just read the canons of judicial ethics.
[01:21:39.480 --> 01:21:42.480]  The American Bar Association standards,
[01:21:42.480 --> 01:21:47.480]  there are a proposed standard across the board,
[01:21:47.480 --> 01:21:53.480]  and most every state has adopted the American Bar Association standards.
[01:21:53.480 --> 01:21:59.480]  And you read through them, and if the attorney does any,
[01:21:59.480 --> 01:22:02.480]  they're really sanctimonious.
[01:22:02.480 --> 01:22:08.480]  And they make, if you read the canons, it makes the attorney sound really great.
[01:22:08.480 --> 01:22:11.480]  But they violate all of them.
[01:22:11.480 --> 01:22:12.480]  Okay.
[01:22:12.480 --> 01:22:16.480]  And one thing, and I'm glad you brought that up, because one thing I do suggest
[01:22:16.480 --> 01:22:27.480]  is that you always write the grievance in terms of a violation of a specific canon.
[01:22:27.480 --> 01:22:28.480]  Okay.
[01:22:28.480 --> 01:22:33.480]  There's a Texas bar, a friend of mine filed a bar grievance,
[01:22:33.480 --> 01:22:36.480]  and since he didn't make the grievance,
[01:22:36.480 --> 01:22:41.480]  he didn't write the grievance in the language of the canon,
[01:22:41.480 --> 01:22:48.480]  they considered it a request for mediation.
[01:22:48.480 --> 01:22:51.480]  Now, they do all kind of crapola.
[01:22:51.480 --> 01:22:54.480]  So since that was what happened,
[01:22:54.480 --> 01:22:58.480]  we try to respond to what the stuff they pull,
[01:22:58.480 --> 01:23:04.480]  always try to write it claiming they violated a specific canon.
[01:23:04.480 --> 01:23:05.480]  Okay.
[01:23:05.480 --> 01:23:14.480]  Next question is, is there any grounds for an attorney to retaliate against a grievance?
[01:23:14.480 --> 01:23:17.480]  They are not going to do that.
[01:23:17.480 --> 01:23:20.480]  Not only are they not going to retaliate,
[01:23:20.480 --> 01:23:24.480]  they're not even going to mention that one was filed.
[01:23:24.480 --> 01:23:25.480]  No.
[01:23:25.480 --> 01:23:30.480]  They better not, because once you file the grievance,
[01:23:30.480 --> 01:23:37.480]  what the bars tell the attorneys is don't even go to that client,
[01:23:37.480 --> 01:23:42.480]  that the bar will handle the grievance, you leave it be.
[01:23:42.480 --> 01:23:46.480]  So when you file a grievance against the attorney, it's kind of like you,
[01:23:46.480 --> 01:23:51.480]  you both come into court and you get behind your relative tables
[01:23:51.480 --> 01:23:55.480]  and before court starts, you walk over to the attorney's table
[01:23:55.480 --> 01:23:59.480]  and you kick him right square in his behind
[01:23:59.480 --> 01:24:03.480]  and he's got to stand there and act like you didn't do it.
[01:24:03.480 --> 01:24:09.480]  One word about that bar grievance, that will get another one
[01:24:09.480 --> 01:24:13.480]  and that will get an accusation tampering with the witness.
[01:24:13.480 --> 01:24:17.480]  So it's very unlikely the attorney is going to be stupid enough to say anything.
[01:24:17.480 --> 01:24:21.480]  So they can't turn around sue you because you put in bar grievance
[01:24:21.480 --> 01:24:24.480]  they feel is irrelevant or so forth.
[01:24:24.480 --> 01:24:25.480]  Okay.
[01:24:25.480 --> 01:24:28.480]  That goes to a very important point.
[01:24:28.480 --> 01:24:37.480]  In this perspective, you are the witness and witnesses are absolutely protected.
[01:24:37.480 --> 01:24:45.480]  You know, we complain about the immunity from suit that a judge has.
[01:24:45.480 --> 01:24:52.480]  When you are testified as a witness, you have the exact same immunity.
[01:24:52.480 --> 01:24:59.480]  You absolutely cannot be sued for your act as a witness.
[01:24:59.480 --> 01:25:06.480]  Now, if you lie like a dog, you can be prosecuted for perjury,
[01:25:06.480 --> 01:25:09.480]  but you cannot be sued.
[01:25:09.480 --> 01:25:10.480]  Okay.
[01:25:10.480 --> 01:25:15.480]  And that's reasonable because if you could be sued for your testimony, nobody would testify.
[01:25:15.480 --> 01:25:19.480]  But you still could bar grieve against the guy because you don't like the way his hair parted.
[01:25:19.480 --> 01:25:21.480]  Exactly.
[01:25:21.480 --> 01:25:24.480]  Now, okay, I don't suggest you do that and it's really not necessary.
[01:25:24.480 --> 01:25:27.480]  These guys are such incompetent scoundrels.
[01:25:27.480 --> 01:25:33.480]  I was reading through this book I mentioned earlier about malpractice
[01:25:33.480 --> 01:25:46.480]  and I feel relatively certain that no one who went to law school to become an attorney read this book first.
[01:25:46.480 --> 01:25:50.480]  You can sue them for everything.
[01:25:50.480 --> 01:25:53.480]  So essentially, you can grieve them for everything.
[01:25:53.480 --> 01:25:54.480]  Okay.
[01:25:54.480 --> 01:26:04.480]  The next question is on recordings. I'm in a state that you have to notify the other party they're being recorded.
[01:26:04.480 --> 01:26:16.480]  I've been going back through your past shows and I heard you mention that you could use a transcript.
[01:26:16.480 --> 01:26:17.480]  Yes.
[01:26:17.480 --> 01:26:24.480]  I'm curious, if I record and use a transcript, can I share that transcript with other people?
[01:26:24.480 --> 01:26:25.480]  Sure.
[01:26:25.480 --> 01:26:27.480]  So long as I don't play the recording for them, I'm fine.
[01:26:27.480 --> 01:26:28.480]  Right.
[01:26:28.480 --> 01:26:29.480]  Excellent.
[01:26:29.480 --> 01:26:39.480]  I was in court quoting exactly what was said and the attorney asked me, he said,
[01:26:39.480 --> 01:26:41.480]  are you sure that's what was actually said?
[01:26:41.480 --> 01:26:43.480]  I said, yeah, that's exactly what was said.
[01:26:43.480 --> 01:26:50.480]  Well, you must have a photographic memory. Oh, no, I have a terrible memory.
[01:26:50.480 --> 01:26:55.480]  The judge, when he's asking these questions, he's kind of ducking his head and shaking his head
[01:26:55.480 --> 01:27:02.480]  because he knows where this is going and the attorney said, well, you have a terrible memory.
[01:27:02.480 --> 01:27:05.480]  How do you know this was what was actually said?
[01:27:05.480 --> 01:27:12.480]  Well, it's what I've got in the transcript and the judge ducked his head and put his head in his hand
[01:27:12.480 --> 01:27:16.480]  and the attorney said, well, what transcript?
[01:27:16.480 --> 01:27:20.480]  Well, the transcript I made from the tape recording. Objection!
[01:27:20.480 --> 01:27:26.480]  The attorney himself objected and the judge shook his head.
[01:27:26.480 --> 01:27:33.480]  No, you stepped right into that one. You opened the door. He gets to walk through it.
[01:27:33.480 --> 01:27:36.480]  Now, do they require you play the tape after that or?
[01:27:36.480 --> 01:27:41.480]  They could, but you could tell them I don't have the tape. I destroyed it.
[01:27:41.480 --> 01:27:47.480]  Because I subsequently found out that it was illegal for me to record him,
[01:27:47.480 --> 01:27:49.480]  so I wouldn't want anybody else to hear that.
[01:27:49.480 --> 01:27:53.480]  They're not going to ever ask or require to play an audio recording like that in court.
[01:27:53.480 --> 01:27:59.480]  What you do is you just submit an affidavit saying that this is the transcript from the recording
[01:27:59.480 --> 01:28:07.480]  and that stands as fact and evidence as a matter of law unless somebody else can come to the table
[01:28:07.480 --> 01:28:13.480]  with evidence disproving what is in your affidavit or disproving the transcript.
[01:28:13.480 --> 01:28:17.480]  It will never go that far. They'll never ask you to play it.
[01:28:17.480 --> 01:28:24.480]  Okay, here's the deal. A slight correction. Never tell them you made a recording if you're not allowed to.
[01:28:24.480 --> 01:28:25.480]  Okay.
[01:28:25.480 --> 01:28:27.480]  You need to check the laws in your state.
[01:28:27.480 --> 01:28:38.480]  Yeah, and if your state says you have to tell them, then tell them that you are certain this is an exact transcript of what occurred.
[01:28:38.480 --> 01:28:39.480]  Okay.
[01:28:39.480 --> 01:28:44.480]  And if they ask you how you know, say, well, I made it immediately after the incident.
[01:28:44.480 --> 01:28:47.480]  Or you could just say you were writing it down as the conversation was happening.
[01:28:47.480 --> 01:28:53.480]  If they press, you could say, well, I accidentally recorded it.
[01:28:53.480 --> 01:28:57.480]  Just look at the laws in your state.
[01:28:57.480 --> 01:29:01.480]  As soon as I discovered it, I destroyed the recording. So there is no recording.
[01:29:01.480 --> 01:29:06.480]  And this goes to no harm, no foul.
[01:29:06.480 --> 01:29:11.480]  Okay. So as long as I just give them the transcripts and not the recording, I'm good.
[01:29:11.480 --> 01:29:14.480]  Well, you need to look at the laws in your state. It could be perfectly legal.
[01:29:14.480 --> 01:29:15.480]  Like in Texas...
[01:29:15.480 --> 01:29:20.480]  No, he just said you have to, in his state, you have to notify the other party.
[01:29:20.480 --> 01:29:23.480]  Even if you are a party to the conversation?
[01:29:23.480 --> 01:29:24.480]  Correct.
[01:29:24.480 --> 01:29:25.480]  Okay.
[01:29:25.480 --> 01:29:26.480]  So it looks like Pennsylvania.
[01:29:26.480 --> 01:29:29.480]  Okay. Well, listen, we're about to go to break now. Is that all, Jim?
[01:29:29.480 --> 01:29:34.480]  No, you had some other stuff come up while I was on hold, and I apologize.
[01:29:34.480 --> 01:29:35.480]  Okay.
[01:29:35.480 --> 01:29:40.480]  So you need to, yeah, we need to be really brief on the other side.
[01:29:40.480 --> 01:29:48.480]  What we try to do on the show now, because we just get so many callers, is we really need to keep the callers to one segment per call.
[01:29:48.480 --> 01:29:53.480]  Otherwise, we end up spending half an hour, 45 minutes with people, and we can't get enough people in.
[01:29:53.480 --> 01:29:55.480]  So let's try to be quick on the other side.
[01:29:55.480 --> 01:29:56.480]  Okay.
[01:29:56.480 --> 01:29:59.480]  Okay. We'll be right back.
[01:29:59.480 --> 01:30:03.480]  Top ten reasons to question the official story of the Oklahoma City bombing.
[01:30:03.480 --> 01:30:05.480]  Number nine, the extra leg.
[01:30:05.480 --> 01:30:08.480]  Former Oklahoma State Medical Examiner Dr. Fred Jordan had stated,
[01:30:08.480 --> 01:30:12.480]  we had eight people with amputated left legs and nine left legs to account for.
[01:30:12.480 --> 01:30:18.480]  Chief pathologist for Northern Ireland T.K. Marshall, who performed over 2,500 autopsies in his time, stated,
[01:30:18.480 --> 01:30:20.480]  there's never been an unknown victim.
[01:30:20.480 --> 01:30:26.480]  This leg belonged to a perpetrator close enough to the bomb or his body to be damaged, leaving only a left leg behind.
[01:30:26.480 --> 01:30:27.480]  Who was this person?
[01:30:27.480 --> 01:30:30.480]  Please go to okcbombingtruth.com.
[01:30:30.480 --> 01:30:35.480]  Back in the 90s, when cities started putting up red light cameras for traffic enforcement,
[01:30:35.480 --> 01:30:38.480]  critics warned they could be turned into tracking systems.
[01:30:38.480 --> 01:30:40.480]  Now it turns out they were right.
[01:30:40.480 --> 01:30:43.480]  I'm Dr. Catherine Albrecht, and I'll be back in a moment with the details.
[01:30:43.480 --> 01:30:45.480]  Privacy is under attack.
[01:30:45.480 --> 01:30:49.480]  When you give up data about yourself, you'll never get it back again.
[01:30:49.480 --> 01:30:54.480]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[01:30:54.480 --> 01:30:59.480]  So protect your rights, say no to surveillance, and keep your information to yourself.
[01:30:59.480 --> 01:31:01.480]  Privacy, it's worth hanging on to.
[01:31:01.480 --> 01:31:05.480]  This public service announcement is brought to you by Startpage.com,
[01:31:05.480 --> 01:31:09.480]  the private search engine alternative to Google, Yahoo, and Bing.
[01:31:09.480 --> 01:31:12.480]  Start over with Startpage.
[01:31:12.480 --> 01:31:17.480]  Privacy advocates once warned that red light cameras would quickly go from traffic enforcement
[01:31:17.480 --> 01:31:19.480]  to Big Brother surveillance.
[01:31:19.480 --> 01:31:23.480]  But lawmakers ridiculed those concerns and promised they'd never trap people with the systems.
[01:31:23.480 --> 01:31:24.480]  Well, guess what?
[01:31:24.480 --> 01:31:26.480]  They've gone back on their word.
[01:31:26.480 --> 01:31:31.480]  In Inglewood, Ohio, police now use powerful red light cameras to zoom in on individuals,
[01:31:31.480 --> 01:31:35.480]  and they use a joystick to follow them through a chain of networked cameras.
[01:31:35.480 --> 01:31:40.480]  They say they're tracking suspected criminals, but how long before they turn their gaze to ex-spouses,
[01:31:40.480 --> 01:31:44.480]  pretty girls, political opponents, or even you?
[01:31:44.480 --> 01:31:48.480]  When government goes back on its word time and again, why, oh why,
[01:31:48.480 --> 01:31:51.480]  do we keep trusting them with powerful new technologies?
[01:31:51.480 --> 01:32:05.480]  I'm Dr. Catherine Albrecht. More news and information at CatherineAlbrecht.com.
[01:32:21.480 --> 01:32:36.480]  The wicked come with temptations.
[01:32:36.480 --> 01:32:41.480]  They're trying to buy the whole place.
[01:32:41.480 --> 01:32:47.480]  They wanna poison the nation.
[01:32:47.480 --> 01:32:52.480]  Because they've fallen from grace.
[01:32:52.480 --> 01:32:55.480]  Okay, folks, we are back.
[01:32:55.480 --> 01:32:56.480]  Okay, we're taking your calls.
[01:32:56.480 --> 01:33:04.480]  It's a Friday night four-hour info marathon.
[01:33:04.480 --> 01:33:06.480]  We are speaking with Jim in Washington.
[01:33:06.480 --> 01:33:08.480]  Okay, Jim, let's try to go quickly, because like I said,
[01:33:08.480 --> 01:33:14.480]  we want to try to keep the callers to one caller per segment so that we can make sure we get everybody in.
[01:33:14.480 --> 01:33:16.480]  So go ahead.
[01:33:16.480 --> 01:33:21.480]  Okay, next question is determination at jurisdiction.
[01:33:21.480 --> 01:33:27.480]  I bought your jurisdictionary, and all of the examples say, you know,
[01:33:27.480 --> 01:33:31.480]  X was residing in county Y.
[01:33:31.480 --> 01:33:39.480]  And what do you do if there's more than one county involved?
[01:33:39.480 --> 01:33:42.480]  The question is way too general.
[01:33:42.480 --> 01:33:47.480]  Okay, say I live in county X, and the defendant lives in county Y.
[01:33:47.480 --> 01:33:50.480]  County Y has venue.
[01:33:50.480 --> 01:33:56.480]  The one where the jurisdiction lies is where the defendant lives.
[01:33:56.480 --> 01:34:01.480]  Okay, so how do you determine where county Y is?
[01:34:01.480 --> 01:34:04.480]  Well, in a way, that's not necessarily true.
[01:34:04.480 --> 01:34:05.480]  It can be dual jurisdiction.
[01:34:05.480 --> 01:34:10.480]  It can also be the county where the alleged act occurred.
[01:34:10.480 --> 01:34:12.480]  Okay.
[01:34:12.480 --> 01:34:14.480]  That goes to criminal.
[01:34:14.480 --> 01:34:23.480]  And criminal where the crime was committed for any county through which the-
[01:34:23.480 --> 01:34:29.480]  Yeah, but even in a civil, if the act was committed in one county and the defendant lives in another,
[01:34:29.480 --> 01:34:37.480]  then where the act was performed or the contract was to be performed also has venue jurisdiction.
[01:34:37.480 --> 01:34:40.480]  Okay, if you say so, I'm not sure about that one.
[01:34:40.480 --> 01:34:42.480]  Yeah, because there are going to be two or three counties involved.
[01:34:42.480 --> 01:34:44.480]  I mean, the defendants are going to live in one county.
[01:34:44.480 --> 01:34:48.480]  I live in another county, and the act may have been performed in a third county.
[01:34:48.480 --> 01:34:54.480]  Okay, that's a good question because generally when you sue someone,
[01:34:54.480 --> 01:35:00.480]  you sue them in the jurisdiction in which they reside.
[01:35:00.480 --> 01:35:06.480]  It's in law that you have a right to be sued in a convenient venue.
[01:35:06.480 --> 01:35:09.480]  So how do you determine where they live?
[01:35:09.480 --> 01:35:11.480]  Address.
[01:35:11.480 --> 01:35:13.480]  Well, I mean, how do I get that?
[01:35:13.480 --> 01:35:18.480]  I mean, that may not be, you know, available to me.
[01:35:18.480 --> 01:35:20.480]  Discovery, pre-litigation discovery.
[01:35:20.480 --> 01:35:30.480]  If you don't know where the defendant lives, then you can file in any jurisdiction that seems appropriate.
[01:35:30.480 --> 01:35:35.480]  Okay, and that is the county they lived in at the time of the offense?
[01:35:35.480 --> 01:35:39.480]  That's the one you would file in anyway.
[01:35:39.480 --> 01:35:40.480]  Okay.
[01:35:40.480 --> 01:35:44.480]  You won't file in the one that they live in at the moment,
[01:35:44.480 --> 01:35:50.480]  but the one they were in at the time whatever circumstances occurred.
[01:35:50.480 --> 01:35:57.480]  Okay, so I'm only halfway through the reading part of the jurisdiction area, and that was not covered.
[01:35:57.480 --> 01:36:00.480]  So I wasn't sure how you determine that.
[01:36:00.480 --> 01:36:05.480]  There's a lot of finer distinctions that's not covered in there.
[01:36:05.480 --> 01:36:06.480]  Okay.
[01:36:06.480 --> 01:36:08.480]  Next question is for Eddie.
[01:36:08.480 --> 01:36:17.480]  I called before and I talked to you about people in Washington state that are doing the same thing as you're doing in Texas there.
[01:36:17.480 --> 01:36:22.480]  Did you ever find those individuals?
[01:36:22.480 --> 01:36:24.480]  I'm still looking for that RICO stuff.
[01:36:24.480 --> 01:36:27.480]  I've been trying so hard to get stuff ready for these seminars on Saturday.
[01:36:27.480 --> 01:36:30.480]  I just haven't had time to go back and read it.
[01:36:30.480 --> 01:36:36.480]  I've got close to 40 uncompressed gigs of data I've got to go through to try to find that.
[01:36:36.480 --> 01:36:37.480]  Okay.
[01:36:37.480 --> 01:36:42.480]  So you're talking several hundred thousand documents because it is in a scanned PDF.
[01:36:42.480 --> 01:36:44.480]  It's not in an actual document.
[01:36:44.480 --> 01:36:46.480]  I can't do a text search on it.
[01:36:46.480 --> 01:36:52.480]  I so want to be part of what you're doing up here in Washington, and I need to have some contacts.
[01:36:52.480 --> 01:36:55.480]  Do you know David Merlin?
[01:36:55.480 --> 01:36:56.480]  No, I don't.
[01:36:56.480 --> 01:36:58.480]  That's who filed the RICO.
[01:36:58.480 --> 01:37:01.480]  That's who filed the RICO I'm talking about is David Merlin.
[01:37:01.480 --> 01:37:02.480]  Okay.
[01:37:02.480 --> 01:37:03.480]  He's out of Washington.
[01:37:03.480 --> 01:37:04.480]  You might look him up.
[01:37:04.480 --> 01:37:05.480]  Okay.
[01:37:05.480 --> 01:37:09.480]  Thank you very much for your time, and I appreciate everything you do.
[01:37:09.480 --> 01:37:10.480]  Thank you.
[01:37:10.480 --> 01:37:14.480]  Good night.
[01:37:14.480 --> 01:37:15.480]  Okay.
[01:37:15.480 --> 01:37:19.480]  Now we're going to go to Jerry in Texas.
[01:37:19.480 --> 01:37:21.480]  Hello.
[01:37:21.480 --> 01:37:22.480]  Let's see.
[01:37:22.480 --> 01:37:23.480]  I did that wrong.
[01:37:23.480 --> 01:37:25.480]  You did what wrong?
[01:37:25.480 --> 01:37:27.480]  I muted you.
[01:37:27.480 --> 01:37:28.480]  Oh.
[01:37:28.480 --> 01:37:30.480]  What, do you hear me now?
[01:37:30.480 --> 01:37:31.480]  I can hear you now.
[01:37:31.480 --> 01:37:32.480]  Okay.
[01:37:32.480 --> 01:37:35.480]  I said I got a real hard question for you.
[01:37:35.480 --> 01:37:36.480]  All righty.
[01:37:36.480 --> 01:37:42.480]  Is speeding in Texas civil or criminal?
[01:37:42.480 --> 01:37:46.480]  Criminal according to what they treat it as.
[01:37:46.480 --> 01:37:53.480]  Well, I was at a little court with this young lady, and the prosecutor told her that the paperwork
[01:37:53.480 --> 01:37:59.480]  she had filed in was not proper because it was for a criminal case, and that speeding
[01:37:59.480 --> 01:38:01.480]  was civil.
[01:38:01.480 --> 01:38:09.480]  And another thing I've got on this same question here, I was looking at the federal rules of
[01:38:09.480 --> 01:38:15.480]  civil procedure, rule two, says all actions are civil.
[01:38:15.480 --> 01:38:20.480]  Now does that mean all things in the civil procedure?
[01:38:20.480 --> 01:38:23.480]  It didn't make sense to me.
[01:38:23.480 --> 01:38:24.480]  That's what it says.
[01:38:24.480 --> 01:38:25.480]  Okay.
[01:38:25.480 --> 01:38:29.480]  Here you are in the state court, not the federal.
[01:38:29.480 --> 01:38:31.480]  Right now, I can't hardly hear you.
[01:38:31.480 --> 01:38:36.480]  You're in the state court, not the federal, so that federal statute doesn't apply here.
[01:38:36.480 --> 01:38:37.480]  Okay.
[01:38:37.480 --> 01:38:38.480]  All right.
[01:38:38.480 --> 01:38:46.480]  Well, that's what she told the lady, that that ticket, that speeding ticket was civil.
[01:38:46.480 --> 01:38:48.480]  It was not criminal.
[01:38:48.480 --> 01:38:53.480]  And I've always been told they were criminal, which is the truth.
[01:38:53.480 --> 01:38:58.480]  Well, they can't arrest you for civil offenses.
[01:38:58.480 --> 01:39:07.480]  And chapter 543 transportation code, which is within subtitle C, specifically says an
[01:39:07.480 --> 01:39:10.480]  officer is authorized to arrest you in those cases.
[01:39:10.480 --> 01:39:14.480]  Now, they can only issue a citation for speeding.
[01:39:14.480 --> 01:39:16.480]  There are two exclusions, yeah.
[01:39:16.480 --> 01:39:21.480]  And speeding is one of them, and open container is the other.
[01:39:21.480 --> 01:39:24.480]  They can't arrest you for those two.
[01:39:24.480 --> 01:39:25.480]  Everything else is there.
[01:39:25.480 --> 01:39:26.480]  Well, she didn't arrest her.
[01:39:26.480 --> 01:39:32.480]  She was just in court, and she was telling her that her paperwork was improper because
[01:39:32.480 --> 01:39:34.480]  that's actually not true.
[01:39:34.480 --> 01:39:38.480]  She was arrested if she was issued a citation.
[01:39:38.480 --> 01:39:39.480]  No question about it.
[01:39:39.480 --> 01:39:41.480]  She was under a custodial arrest.
[01:39:41.480 --> 01:39:42.480]  Okay.
[01:39:42.480 --> 01:39:46.480]  That should get a bar grievance against the attorney.
[01:39:46.480 --> 01:39:53.480]  Well, she was, it was for a municipality, but she was a hard attorney there acting as
[01:39:53.480 --> 01:39:54.480]  the prosecutor.
[01:39:54.480 --> 01:39:57.480]  Yeah, they don't know squat.
[01:39:57.480 --> 01:40:01.480]  It wouldn't matter if they weren't or not, they don't know squat, but that's a whole
[01:40:01.480 --> 01:40:02.480]  other story.
[01:40:02.480 --> 01:40:08.480]  But yeah, that's the other problem is, is I would have that young lady, or since you
[01:40:08.480 --> 01:40:13.480]  witnessed it, I would file criminal charges against the attorney for impersonating a
[01:40:13.480 --> 01:40:17.480]  public servant.
[01:40:17.480 --> 01:40:21.480]  And that's exactly what we would do with a city attorney because the city attorney is
[01:40:21.480 --> 01:40:26.480]  impersonating a public servant when he attempts to prosecute in any court in the
[01:40:26.480 --> 01:40:28.480]  name of the state.
[01:40:28.480 --> 01:40:29.480]  Yeah.
[01:40:29.480 --> 01:40:32.480]  Well, when I get a little more educated, I may try that.
[01:40:32.480 --> 01:40:35.480]  I will try that.
[01:40:35.480 --> 01:40:39.480]  This is the third time that this particular paperwork has been used against that
[01:40:39.480 --> 01:40:43.480]  prosecutor, and she wanted to win one, I think.
[01:40:43.480 --> 01:40:45.480]  It didn't work that time either.
[01:40:45.480 --> 01:40:46.480]  Yeah.
[01:40:46.480 --> 01:40:47.480]  Okay.
[01:40:47.480 --> 01:40:50.480]  Well, if you happen to know the name of this young lady that got the ticket, refer her
[01:40:50.480 --> 01:40:55.480]  to us and have her send me an email, and I'll let her file a complaint against the
[01:40:55.480 --> 01:40:56.480]  attorney.
[01:40:56.480 --> 01:40:58.480]  Well, I wouldn't mind doing it.
[01:40:58.480 --> 01:40:59.480]  I just wanted to-
[01:40:59.480 --> 01:41:02.480]  Well, anybody can do it, and all it is is a criminal complaint, and they can't come
[01:41:02.480 --> 01:41:05.480]  back at you for filing it.
[01:41:05.480 --> 01:41:10.480]  Well, I was kind of saving this little tidbit in case I want to do it again.
[01:41:10.480 --> 01:41:14.480]  I'd like to have that same prosecutor.
[01:41:14.480 --> 01:41:15.480]  Okay.
[01:41:15.480 --> 01:41:17.480]  I'm taking up your time here.
[01:41:17.480 --> 01:41:18.480]  That's all I wanted to know.
[01:41:18.480 --> 01:41:24.480]  Nice.
[01:41:24.480 --> 01:41:25.480]  All right.
[01:41:25.480 --> 01:41:26.480]  Who's next, Randy?
[01:41:26.480 --> 01:41:27.480]  Thank you, Jerry.
[01:41:27.480 --> 01:41:31.480]  I forgot that Eddie's not up on this board.
[01:41:31.480 --> 01:41:32.480]  Okay.
[01:41:32.480 --> 01:41:36.480]  Now we're going to Troy from Minnesota.
[01:41:36.480 --> 01:41:39.480]  Troy, what's on your mind tonight?
[01:41:39.480 --> 01:41:40.480]  Yeah.
[01:41:40.480 --> 01:41:41.480]  Can you guys hear me?
[01:41:41.480 --> 01:41:42.480]  No.
[01:41:42.480 --> 01:41:43.480]  I can't hear a word you're saying.
[01:41:43.480 --> 01:41:44.480]  Hello.
[01:41:44.480 --> 01:41:45.480]  I lied.
[01:41:45.480 --> 01:41:46.480]  Okay.
[01:41:46.480 --> 01:41:47.480]  We can hear you.
[01:41:47.480 --> 01:41:48.480]  Go ahead.
[01:41:48.480 --> 01:41:49.480]  All right.
[01:41:49.480 --> 01:41:52.480]  Randy, I got a chew on your ear here tonight.
[01:41:52.480 --> 01:41:54.480]  Let's see if I can make it quick.
[01:41:54.480 --> 01:42:00.480]  Two questions in regards to mortgages, and I guess enjoy listening to your guys' show,
[01:42:00.480 --> 01:42:03.480]  because it gets my old head stinking here.
[01:42:03.480 --> 01:42:10.480]  But anyways, looking through my mortgage documents, we did a refi here on April of 2008,
[01:42:10.480 --> 01:42:15.480]  but just looking through certain docs and stuff that you talked about.
[01:42:15.480 --> 01:42:20.480]  And I believe on a few of the archives, you talked about a case, I believe,
[01:42:20.480 --> 01:42:26.480]  with Washington Mutual forging, like taking a software program,
[01:42:26.480 --> 01:42:30.480]  copying and pasting signatures and stuff to different docs.
[01:42:30.480 --> 01:42:34.480]  Oh, Mike Miras talks about that on his.
[01:42:34.480 --> 01:42:35.480]  Okay.
[01:42:35.480 --> 01:42:41.480]  On his settlement statement, you can see where the signature was whited out.
[01:42:41.480 --> 01:42:42.480]  Okay.
[01:42:42.480 --> 01:42:45.480]  They do this kind of stuff all the time.
[01:42:45.480 --> 01:42:46.480]  Okay.
[01:42:46.480 --> 01:42:48.480]  Well, here's my question.
[01:42:48.480 --> 01:42:53.480]  Looking through my docs, we had a broker do this.
[01:42:53.480 --> 01:42:59.480]  We turned in our taxes and pay stubs and all this.
[01:42:59.480 --> 01:43:03.480]  And we went to our closing, signed our papers, you know,
[01:43:03.480 --> 01:43:07.480]  and signed documents with, you know, our wages.
[01:43:07.480 --> 01:43:08.480]  So be it.
[01:43:08.480 --> 01:43:18.480]  And then I went here about five months ago and got a copy of the stuff from the closing company
[01:43:18.480 --> 01:43:21.480]  and started rummaging through there.
[01:43:21.480 --> 01:43:26.480]  And there's like two sets of, what do you want to say,
[01:43:26.480 --> 01:43:30.480]  our apps with totally different information.
[01:43:30.480 --> 01:43:31.480]  Okay, common.
[01:43:31.480 --> 01:43:33.480]  Okay, this is really common.
[01:43:33.480 --> 01:43:38.480]  We'll address this on the other side, changing the documents.
[01:43:38.480 --> 01:43:42.480]  This is generally done when the underwriter comes back and says,
[01:43:42.480 --> 01:43:45.480]  we need better numbers, they take your documents,
[01:43:45.480 --> 01:43:48.480]  they adjust them to make the underwriter happy.
[01:43:48.480 --> 01:43:51.480]  But we'll talk about that on the other side and I'm glad you called about this.
[01:43:51.480 --> 01:43:55.480]  This is Randy Talton, Deborah Stevens, Eddie Craig, Wheel of Law Radio.
[01:43:55.480 --> 01:44:01.480]  Call us at 512-646-1984.
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[01:45:52.480 --> 01:46:01.480]  Please visit ruleoflawradio.com and click on the banner or call toll-free, 866-LAW-EZ.
[01:46:01.480 --> 01:46:12.480]  When the commas lurking around the corner, you better watch your fingers and dip your toes.
[01:46:12.480 --> 01:46:18.480]  And get in front of the problem you found on the road.
[01:46:18.480 --> 01:46:25.480]  Yeah, baby, gently, similarly, I'm a little weak.
[01:46:25.480 --> 01:46:32.480]  Okay, Randy Kelton, Deborah Stevens, David Craig, Julie Law Radio,
[01:46:32.480 --> 01:46:38.480]  and we were talking about the shenanigans that the lenders call.
[01:46:38.480 --> 01:46:45.480]  We're in Remedies and Real Estate, the program we have for foreclosure.
[01:46:45.480 --> 01:46:50.480]  We're trying to sort out what's actually going on.
[01:46:50.480 --> 01:46:56.480]  And in the process of doing this, some patterns are becoming clear.
[01:46:56.480 --> 01:47:03.480]  The real estate agent tends to only show you those properties that he has listed,
[01:47:03.480 --> 01:47:08.480]  even if there are other properties that better suit your needs.
[01:47:08.480 --> 01:47:15.480]  But he only shows you the ones that he has listed because he doesn't want to have to split his commission.
[01:47:15.480 --> 01:47:24.480]  And then he attempts to convince you to accept a higher priced mortgage
[01:47:24.480 --> 01:47:30.480]  than you would reasonably expect that you could afford
[01:47:30.480 --> 01:47:37.480]  by telling you that the real estate market is in a better condition than it actually is,
[01:47:37.480 --> 01:47:42.480]  that the real estate market will increase dramatically in the next few years,
[01:47:42.480 --> 01:47:48.480]  and you will gain equity in your property and be able to refinance at a much lower rate
[01:47:48.480 --> 01:47:55.480]  because you have all this extra equity built up based on the increase in the property values.
[01:47:55.480 --> 01:47:59.480]  That's fraud by nondisclosure and breach of fiduciary duty.
[01:47:59.480 --> 01:48:01.480]  And then you go to the underwriter.
[01:48:01.480 --> 01:48:07.480]  The underwriter gets all the documentation, and remember, you pay the underwriter.
[01:48:07.480 --> 01:48:13.480]  So the underwriter, while he appears to be working for the lender,
[01:48:13.480 --> 01:48:17.480]  since you're the one that pays him, has fiduciary duty to you,
[01:48:17.480 --> 01:48:22.480]  he gets the paperwork and he says, well, you know, the numbers aren't good enough.
[01:48:22.480 --> 01:48:23.480]  You need to give me better numbers.
[01:48:23.480 --> 01:48:27.480]  So he goes back to the lender, the broker,
[01:48:27.480 --> 01:48:35.480]  and what is very common is that the broker will take your loan application,
[01:48:35.480 --> 01:48:42.480]  change the values on it, and submit it to the underwriter.
[01:48:42.480 --> 01:48:46.480]  They will tell the appraiser, well, we didn't get a higher enough appraisal.
[01:48:46.480 --> 01:48:50.480]  We need to go out and reappraise and get us a higher appraisal.
[01:48:50.480 --> 01:48:59.480]  And they can do that because Freddie Mac, Fannie Mae, Wells Fargo, Bank of America,
[01:48:59.480 --> 01:49:09.480]  and Chase got together a few years ago and decided that only the lender can hire appraisers.
[01:49:09.480 --> 01:49:15.480]  They ran some song and dance that this would increase the protection of the buyer,
[01:49:15.480 --> 01:49:18.480]  but in fact, it did the opposite.
[01:49:18.480 --> 01:49:25.480]  It put the lender in a position to where the appraiser either gave them the appraisal they wanted or he didn't work.
[01:49:25.480 --> 01:49:29.480]  So he gets the appraiser to appraise at a higher value.
[01:49:29.480 --> 01:49:31.480]  They get the loan application.
[01:49:31.480 --> 01:49:33.480]  They change the figures.
[01:49:33.480 --> 01:49:38.480]  Here's one thing to ask for, bank statements.
[01:49:38.480 --> 01:49:51.480]  If you gave them records of your earnings, someone produced a program that they could scan your bank records into.
[01:49:51.480 --> 01:49:59.480]  Read the bank records, change the numbers, and print it back out and look like the originals.
[01:49:59.480 --> 01:50:00.480]  Okay.
[01:50:00.480 --> 01:50:09.480]  All we gave them was our tax statements and then two pay stubs from myself and my wife.
[01:50:09.480 --> 01:50:17.480]  You want to get the pay stubs that they have, see if they match the ones you have.
[01:50:17.480 --> 01:50:24.480]  You want to look at all of the paperwork you submitted and get all the paperwork they have and see if theirs match yours,
[01:50:24.480 --> 01:50:28.480]  which apparently it does not, then this is really common.
[01:50:28.480 --> 01:50:29.480]  Well, yeah.
[01:50:29.480 --> 01:50:40.480]  Just over a break, I looked at it, and the app that we originally or that we looked at at closing was for $9,300 a month income,
[01:50:40.480 --> 01:50:53.480]  and the one that the broker signed, he's got the numbers over $18,000, and we've got another vehicle that we've never seen or owned in there as far as for, what do you want to say, assets.
[01:50:53.480 --> 01:50:56.480]  This is absolutely blatant fraud.
[01:50:56.480 --> 01:50:57.480]  Yeah.
[01:50:57.480 --> 01:51:01.480]  For this, the broker can go to prison.
[01:51:01.480 --> 01:51:05.480]  Nobody's pursued that, but we're going to suggest that people start doing it.
[01:51:05.480 --> 01:51:08.480]  But you have a really great action.
[01:51:08.480 --> 01:51:20.480]  You dealt with licensed professionals because you were dealing in an area of high finance of which you are not an experienced professional.
[01:51:20.480 --> 01:51:23.480]  So you exercised due diligence.
[01:51:23.480 --> 01:51:32.480]  The courts want to know that you exercised due diligence, and you did so by only dealing with licensed professionals.
[01:51:32.480 --> 01:51:33.480]  Right.
[01:51:33.480 --> 01:51:43.480]  And these licensed professionals breached their fiduciary duty to you, and for that they can go to prison.
[01:51:43.480 --> 01:51:50.480]  Besides being sued, they could well go to prison.
[01:51:50.480 --> 01:51:53.480]  And I mean, this thing's riddled with everything.
[01:51:53.480 --> 01:52:00.480]  It was a first and second mortgage, and I know you beat on the drum of looking at your HUD.
[01:52:00.480 --> 01:52:05.480]  Now, I've got a HUD for each one of those, and then there's a third HUD.
[01:52:05.480 --> 01:52:06.480]  And I don't know if this is common.
[01:52:06.480 --> 01:52:14.480]  I'm not a real estate guy, but is this common where they'll take those two HUDs and then combine it into one to kind of show you a complete deal?
[01:52:14.480 --> 01:52:16.480]  Or is that kind of a red flag there, too?
[01:52:16.480 --> 01:52:18.480]  That's a red flag.
[01:52:18.480 --> 01:52:23.480]  The fact that they broke these loans into two separate loans,
[01:52:23.480 --> 01:52:30.480]  that means that you couldn't qualify for the first loan for the full amount.
[01:52:30.480 --> 01:52:33.480]  If you filed the full amount, you would not qualify.
[01:52:33.480 --> 01:52:34.480]  Okay.
[01:52:34.480 --> 01:52:43.480]  If you filed the first loan and then filed for the second loan, you wouldn't qualify for the second.
[01:52:43.480 --> 01:52:48.480]  So what they do is they file them both at the same time.
[01:52:48.480 --> 01:52:49.480]  Gotcha.
[01:52:49.480 --> 01:52:54.480]  That way, the first one doesn't have time to be recorded.
[01:52:54.480 --> 01:53:00.480]  So they check both and they find nothing, even though they know it's bogus.
[01:53:00.480 --> 01:53:02.480]  They know both are coming through.
[01:53:02.480 --> 01:53:06.480]  They don't have official records of it, so they approve them both.
[01:53:06.480 --> 01:53:09.480]  It's exploiting a hole in the system.
[01:53:09.480 --> 01:53:12.480]  It's technically a hole they created.
[01:53:12.480 --> 01:53:15.480]  This is fraud on its face.
[01:53:15.480 --> 01:53:19.480]  Now, where does the guy start on this?
[01:53:19.480 --> 01:53:25.480]  I mean, like I said, there's so many red flags, and with the forged documents,
[01:53:25.480 --> 01:53:31.480]  you've got to go into discovery and all that.
[01:53:31.480 --> 01:53:32.480]  Okay.
[01:53:32.480 --> 01:53:36.480]  I am in the process of putting together my litigation engine.
[01:53:36.480 --> 01:53:37.480]  Okay.
[01:53:37.480 --> 01:53:42.480]  And you are exactly one of the people I'm looking for.
[01:53:42.480 --> 01:53:45.480]  I'm designing the database now.
[01:53:45.480 --> 01:53:51.480]  I'm in that part of it where I have stacks of complex stuff.
[01:53:51.480 --> 01:53:55.480]  I'm trying to get all organized, and I'm getting close.
[01:53:55.480 --> 01:53:56.480]  Okay.
[01:53:56.480 --> 01:54:02.480]  Once I get the basic stuff put together, then I want people just like you
[01:54:02.480 --> 01:54:06.480]  to come and tell me, they did this, that, and the other.
[01:54:06.480 --> 01:54:12.480]  We look at that issue, and we develop a set of questions that,
[01:54:12.480 --> 01:54:17.480]  for someone who wasn't aware that they did this,
[01:54:17.480 --> 01:54:24.480]  we'll ask them questions that will give us clues and point at what they've done.
[01:54:24.480 --> 01:54:30.480]  So the first question we'll ask is, to your knowledge,
[01:54:30.480 --> 01:54:38.480]  are there two copies of the loan application with numbers that don't match?
[01:54:38.480 --> 01:54:45.480]  If the answer is yes, then we jump to a separate page that addresses this issue.
[01:54:45.480 --> 01:54:50.480]  We ask all of the appropriate questions, and we develop a cause of action,
[01:54:50.480 --> 01:54:54.480]  a points and authorities, and a claim against the lender.
[01:54:54.480 --> 01:54:57.480]  And we add that to the litigation engine.
[01:54:57.480 --> 01:55:00.480]  And then we find some other crap holder that they pull.
[01:55:00.480 --> 01:55:03.480]  We create a set of questions for that.
[01:55:03.480 --> 01:55:10.480]  The nice thing about a computer is it has a photographic memory.
[01:55:10.480 --> 01:55:15.480]  It never forgets to ask you that question.
[01:55:15.480 --> 01:55:18.480]  So it never misses an issue.
[01:55:18.480 --> 01:55:22.480]  And if you're reading the jurisdictionary,
[01:55:22.480 --> 01:55:32.480]  jurisdictionary tells you that the trial court is for the purpose of setting the record for appeal.
[01:55:32.480 --> 01:55:38.480]  So you want to bring every issue before the trial court that you can
[01:55:38.480 --> 01:55:42.480]  so that you have that available for appeal.
[01:55:42.480 --> 01:55:46.480]  And that's what the litigation engine is designed to do.
[01:55:46.480 --> 01:55:51.480]  Every time we come across some tricks that the lenders pull,
[01:55:51.480 --> 01:55:54.480]  we add them to the engine.
[01:55:54.480 --> 01:56:05.480]  And this thing will become extremely complex and all-inclusive.
[01:56:05.480 --> 01:56:12.480]  We will be working with attorneys to automate their offices.
[01:56:12.480 --> 01:56:20.480]  I've mentioned this before that I have this plan for eliminating the profession of a lawyer,
[01:56:20.480 --> 01:56:25.480]  and I'll get the lawyers to pay me to do it.
[01:56:25.480 --> 01:56:29.480]  There's just something very intuitively satisfying about that.
[01:56:29.480 --> 01:56:32.480]  I go to the attorney and I say, you want to represent foreclosure issues.
[01:56:32.480 --> 01:56:35.480]  You're not doing that now.
[01:56:35.480 --> 01:56:37.480]  I can open the door for you.
[01:56:37.480 --> 01:56:40.480]  They say, well, I'm not familiar with foreclosure issues.
[01:56:40.480 --> 01:56:42.480]  Is there no problem?
[01:56:42.480 --> 01:56:44.480]  I have this program.
[01:56:44.480 --> 01:56:46.480]  It asks all the questions.
[01:56:46.480 --> 01:56:51.480]  And if you're a professional in the area, we have all these issues.
[01:56:51.480 --> 01:56:56.480]  You look at it, and if there's any issues we've missed, you add it to it.
[01:56:56.480 --> 01:57:01.480]  And when your client comes in, you ask, have them fill out this questionnaire.
[01:57:01.480 --> 01:57:04.480]  You don't have to spend all that time with them.
[01:57:04.480 --> 01:57:08.480]  And the system will develop all the documents that you need.
[01:57:08.480 --> 01:57:16.480]  So each professional we talk to gives us his expertise, and we include it in the engine.
[01:57:16.480 --> 01:57:21.480]  Then we make it available to you, the pro se.
[01:57:21.480 --> 01:57:32.480]  So when the pro se comes before the court, he comes before the court with the expertise of all of these attorneys,
[01:57:32.480 --> 01:57:37.480]  and the chump on the other side only has his own.
[01:57:37.480 --> 01:57:40.480]  So it's coming together very nicely.
[01:57:40.480 --> 01:57:45.480]  Get in touch with us at remediesinrealestate.com.
[01:57:45.480 --> 01:57:46.480]  Okay.
[01:57:46.480 --> 01:57:52.480]  Now, I sent an app in there probably two months ago, three months ago.
[01:57:52.480 --> 01:57:57.480]  And I know you guys are busy, and I don't want to hound anybody.
[01:57:57.480 --> 01:58:02.480]  But how long are we looking at as far as a turnaround once we get something done in there, if I redid it?
[01:58:02.480 --> 01:58:09.480]  Send me an email, randy at remediesinrealestate.com, and I will make sure we get right back to you.
[01:58:09.480 --> 01:58:15.480]  We've been developing the software, and we've had some delays, but we're getting it all together.
[01:58:15.480 --> 01:58:18.480]  It's been a struggle, but we're coming up to speed.
[01:58:18.480 --> 01:58:21.480]  Can I speak on the other end for just one question?
[01:58:21.480 --> 01:58:25.480]  Yes, quickly, because we've got a lot of callers stacked up.
[01:58:25.480 --> 01:58:26.480]  I got you. I will.
[01:58:26.480 --> 01:58:27.480]  Okay.
[01:58:27.480 --> 01:58:28.480]  Thank you.
[01:58:28.480 --> 01:58:33.480]  And then go to Remedies in Real Estate, send me an email at randy at remediesinrealestate.com,
[01:58:33.480 --> 01:58:36.480]  and I will most definitely get back to you.
[01:58:36.480 --> 01:58:37.480]  All right.
[01:58:37.480 --> 01:58:38.480]  Thank you.
[01:58:38.480 --> 01:58:39.480]  Okay.
[01:58:39.480 --> 01:58:48.480]  This is Randy Kelton, Deborah Stevens, Eddie Craig, Rule of Law Radio, our four-hour Friday Info Marathon.
[01:58:48.480 --> 01:58:53.480]  Call us at 512-646-1984.
[01:58:53.480 --> 01:58:59.480]  We'll be right back on the other side.
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