[00:00.000 --> 00:09.640]  News Corporation boss Rupert Murdoch flew to London Thursday to confront a hostile news
[00:09.640 --> 00:15.160]  staff on his flagship daily tabloid, The Sun. Police inquiries into illegal phone hacking
[00:15.160 --> 00:20.960]  led to the dawn arrest of 10 Sun's staff in recent weeks on allegations of corruption
[00:20.960 --> 00:26.840]  and bribing police officials. Reports Friday spoke of a civil war atmosphere in the newsroom.
[00:26.840 --> 00:30.320]  Murdoch's own investigation committee had passed information to police.
[00:30.320 --> 00:36.880]  A new study by Australian think tank, the Gratton Institute, said quote,
[00:36.880 --> 00:42.560]  and Shanghai, the average 15-year-old mathematics student, is performing at a level two to three
[00:42.560 --> 00:49.000]  years above his or her counterpart in Australia, the US, and Europe. Gratton's school education
[00:49.000 --> 00:53.160]  program director said quote, as economic powers shifting from west to east,
[00:53.160 --> 00:59.760]  high performance and education is two. According to a new filing with the Federal
[00:59.760 --> 01:05.520]  Election Commission, Occupy Wall Street now has a super PAC. Super PACs or political action
[01:05.520 --> 01:09.760]  committees can raise unlimited amounts of money for candidates. Under the section for
[01:09.760 --> 01:15.480]  related organizations, the filing lists Occupy Wall Street with an address at none and everywhere
[01:15.480 --> 01:21.880]  in the city of all of them. Former US government consultant and author
[01:21.880 --> 01:28.720]  Timothy Good claims President Dwight Eisenhower had three secret meetings with aliens. Good says
[01:28.720 --> 01:35.920]  Eisenhower met the extraterrestrials at a remote air base in New Mexico in 1954 and that Eisenhower
[01:35.920 --> 01:42.280]  and FBI officials organized the meeting by sending telepathic messages. Speaking on the BBC
[01:42.280 --> 01:47.680]  current affairs program opinionated, Good said governments around the world have been in regular
[01:47.680 --> 01:54.000]  contact with aliens for many decades. Quote, aliens have made both formal and informal contact
[01:54.000 --> 02:00.920]  with thousands of people throughout the world from all walks of life. WikiLeaks has been excluded
[02:00.920 --> 02:05.760]  from a UN conference on WikiLeaks in Paris. The whistleblower website that leaked hundreds of
[02:05.760 --> 02:11.640]  thousands of confidential military and diplomatic documents in 2010 lodged a strong protest with
[02:11.640 --> 02:16.320]  the UN educational scientific and cultural organization for banning it from an international
[02:16.320 --> 02:21.480]  conference, the media world after WikiLeaks, organized by the US World Press Freedom Committee
[02:21.480 --> 02:26.880]  at UNESCO headquarters. WikiLeaks said the conference was packed with a who's who of the
[02:26.880 --> 02:32.160]  websites opponents and critics, including speakers who are not merely critics, but four who have
[02:32.160 --> 02:37.760]  active legal conflicts with the organization. WikiLeaks founder Julian Assange, currently under
[02:37.760 --> 02:43.760]  house arrest in England, said UNESCO must conduct a full frank and open investigation as to how its
[02:43.760 --> 02:49.680]  constitution has become a blunt instrument of censorship, adding it's time to occupy UNESCO.
[02:49.680 --> 03:09.520]  You are listening to the Logos Radio Network. LogosRadioNetwork.com.
[03:20.320 --> 03:26.880]  Bad boys, what do you want? What do you want? What are you going to do? When you share the
[03:26.880 --> 03:35.280]  sun, don't come for you. Tell me, what do you want to do? What are you going to do?
[03:37.840 --> 03:44.800]  Yeah, bad boys, bad boys, what you're going to do? What you're going to do when they come for you?
[03:44.800 --> 03:50.560]  Bad boys, bad boys, what you're going to do? What you're going to do when they come for you?
[03:50.560 --> 03:56.000]  When you were eight and your head transfers, you'd go to school and learn to go, then lose.
[03:56.000 --> 04:03.040]  So why are you acting like a bloody fool? If you get sick and ya must get proved? Bad boys, bad boys,
[04:03.040 --> 04:08.560]  what you're going to do? What you're going to do when they come for you? Bad boys, bad boys,
[04:08.560 --> 04:12.560]  Watch it on the D, watch it on the D when they come for you
[04:12.560 --> 04:15.360]  You're choking on that one, you're choking on this one
[04:15.360 --> 04:17.960]  You're choking on your mother, and you're choking on your father
[04:17.960 --> 04:20.760]  You're choking on your father, and you're choking on your sister
[04:20.760 --> 04:23.360]  You're choking on that one, and you're choking on me
[04:23.360 --> 04:26.360]  Bad boys, bad boys, watch it on the D
[04:26.360 --> 04:32.160]  Okay, this is Randy Kelkin, Dr. Ted Craig with the radio
[04:32.160 --> 04:45.160]  It is our Friday night, four-hour marathon, 17 February in the last year of the world, 2012
[04:45.160 --> 04:50.560]  And we will soon have a very special guest we haven't had in a long time
[04:50.560 --> 04:52.760]  It's Steve Skidmore
[04:52.760 --> 04:55.760]  Steve Skidmore used to do a show on the network
[04:55.760 --> 05:01.960]  And we haven't had him on, we're going to have him come on talk about what he's doing
[05:01.960 --> 05:08.760]  Steve does something pretty similar to what I'm doing, he helps people with mortgage issues
[05:08.760 --> 05:16.360]  And they're moving toward using private investigators
[05:16.360 --> 05:22.360]  And with the way things are going, that's exactly where we should be going
[05:22.360 --> 05:31.760]  I have, because the primary issue is becoming what we've been talking about all the time
[05:31.760 --> 05:35.760]  It started out with Shelby The Note
[05:35.760 --> 05:44.560]  That the lender in order to foreclose had to produce a note
[05:44.560 --> 05:54.160]  And recently there was an analysis by a federal magistrate here in Austin
[05:54.160 --> 05:58.760]  And the magistrate's name was Austin
[05:58.760 --> 06:02.360]  And he examined this very issue
[06:02.360 --> 06:12.560]  That not only must the entity who initiates the foreclosure hold the note
[06:12.560 --> 06:19.760]  They must not constructively hold the note, they must physically hold the note
[06:19.760 --> 06:30.360]  This particular issue was about Chase, or Chase Financial Services or, I forget exactly
[06:30.360 --> 06:37.360]  There was a servicer that was a subsidiary of Chase Bank
[06:37.360 --> 06:45.760]  And they were foreclosing on a note held by Chase Bank, at least that was the allegation
[06:45.760 --> 06:55.760]  And what the court said was even if Chase Bank actually held the original security instrument
[06:55.760 --> 07:04.960]  And Chase Home Finance, as you know, Chase Home Finance was a wholly owned subsidiary of Chase Bank
[07:04.960 --> 07:10.960]  Chase Home Finance still could not foreclose
[07:10.960 --> 07:17.560]  The instrument had to have been assigned to Chase Home Finance
[07:17.560 --> 07:28.560]  So that Chase Home Finance would have a security interest, have an interest in the note
[07:28.560 --> 07:35.760]  Without an interest in the note, they had no standing to initiate foreclosure
[07:35.760 --> 07:45.960]  And this goes down to really paying attention to how these notes change hands, whose hands they change into
[07:45.960 --> 07:55.760]  And how they do it, and the biggest issue around is not how they're changing hands now
[07:55.760 --> 08:00.960]  But how they changed hands before all of this became an issue
[08:00.960 --> 08:12.160]  Before all of this got in the news, before the Ibanez case in Massachusetts, the landmark Kessler in Kansas
[08:12.160 --> 08:22.760]  The recent case in Deutsche Bank in Oklahoma, the case in Alabama about a week ago
[08:22.760 --> 08:27.160]  Another case just came out to Colorado
[08:27.160 --> 08:33.960]  And there was even a case, I live in a small town north of Fort Worth, Boyd, Texas
[08:33.960 --> 08:42.160]  And there was a case out of Texas that went to the MERS issue of MERS making an assignment
[08:42.160 --> 08:46.160]  When they didn't have a beneficial interest in the note
[08:46.160 --> 08:51.160]  Then it was out of Boyd, Texas, this tiny little town I live in, that was pretty amazing
[08:51.160 --> 08:54.160]  But it was even more amazing because I didn't know these people
[08:54.160 --> 08:56.160]  And I thought I knew everybody here
[08:56.160 --> 09:02.160]  But we're getting case after case, all going to this same issue
[09:02.160 --> 09:09.160]  Who actually holds beneficial interest in the note
[09:09.160 --> 09:20.160]  And before this became an issue, these guys were trading these notes back and forth on the secondary real estate market
[09:20.160 --> 09:28.160]  Or the securities market, they would sell them into investment pools
[09:28.160 --> 09:33.160]  Sometimes it seems they did that, but I'm not sure what they did with them
[09:33.160 --> 09:39.160]  Because we're finding such an incredible mess
[09:39.160 --> 09:44.160]  Nobody seems to know what the heck they were doing with them
[09:44.160 --> 09:53.160]  One thing they were doing is filing them with MERS, Mortgage Electronic Registration Service
[09:53.160 --> 10:02.160]  And MERS as a standard business practice would take the original documentation, scan it into their system
[10:02.160 --> 10:06.160]  And then shred the originals
[10:06.160 --> 10:09.160]  That was so crazy
[10:09.160 --> 10:15.160]  When I first heard it, I thought, nah, nah, nah, nah, nobody can be that stupid
[10:15.160 --> 10:18.160]  But that's precisely what they were doing
[10:18.160 --> 10:27.160]  And at the time the real estate was booming and these guys were just in a glut, a profit
[10:27.160 --> 10:31.160]  And they weren't taking care of business
[10:31.160 --> 10:36.160]  And as always happens, it comes back to Bychee in the behind
[10:36.160 --> 10:42.160]  They sold the notes all over the place, they wrote notes and claimed they went into pools
[10:42.160 --> 10:48.160]  After it turns out when we look back, the pools had already closed before the notes were in them
[10:48.160 --> 10:54.160]  They destroyed the original documentation and didn't have to have documentation to get into court
[10:54.160 --> 10:58.160]  So they hired these companies to produce the documentation
[10:58.160 --> 11:02.160]  And what did they think they were going to produce?
[11:02.160 --> 11:08.160]  The company recently, a bank recently sued one of these document mills
[11:08.160 --> 11:10.160]  Well duh!
[11:10.160 --> 11:13.160]  You sued them for producing forage documents?
[11:13.160 --> 11:16.160]  Well what did you think they were going to produce?
[11:16.160 --> 11:25.160]  That you think they were going to go down to the garbage dumps and pull out all the shredded paper and put the pieces back together?
[11:25.160 --> 11:28.160]  They had to absolute no, they were buying forage documents
[11:28.160 --> 11:34.160]  And now when the sky starts falling they don't, now they want to sue the company to produce the forage documents for them
[11:34.160 --> 11:38.160]  So it's an incredible mess as you look at it
[11:38.160 --> 11:42.160]  The deeper you look, the worse it gets
[11:42.160 --> 11:48.160]  And you would think that in the investment world
[11:48.160 --> 11:54.160]  The greater the amount of investment, the greater the number of dollars
[11:54.160 --> 12:03.160]  The greater care would be taken with how those dollars had moved around and dealt with
[12:03.160 --> 12:09.160]  But in reality it appears the opposite is the case
[12:09.160 --> 12:14.160]  Those of us who don't have much money, we watch it really close
[12:14.160 --> 12:22.160]  And these guys were moving so much money around and nobody was paying attention and they made a horrible, horrible mess of things
[12:22.160 --> 12:26.160]  We still don't have the whole mess sorted out
[12:26.160 --> 12:32.160]  It is such an incredible jumble of ineptitude
[12:32.160 --> 12:41.160]  And that's why I'm glad to see Steve and in his fire detection going toward the private investigator side
[12:41.160 --> 12:48.160]  They're looking at the documentation, the signatures on the documentation
[12:48.160 --> 12:55.160]  You get a, the bank comes into court with an assignment
[12:55.160 --> 13:05.160]  I just put up on, I'm putting together a questionnaire and I'm just putting a section today on services
[13:05.160 --> 13:11.160]  On when an assignment is made, what has to be there
[13:11.160 --> 13:18.160]  This is about 40 or 50 questions of things to look for in the assignment to make sure it's correct
[13:18.160 --> 13:23.160]  I started looking at documentation and it seems like everybody had talked to
[13:23.160 --> 13:33.160]  I have a friend here in Boyd, I went and looked at his file in the county court to see when the lien was filed
[13:33.160 --> 13:36.160]  It never was
[13:36.160 --> 13:44.160]  This bank is trying to foreclose on this guy and they never filed a lien with clerk of the court
[13:44.160 --> 13:49.160]  Monday morning I've got a mechanics lien made up, I'll have it filed in the court
[13:49.160 --> 13:52.160]  And then they can come try to file theirs if they want to
[13:52.160 --> 13:56.160]  Another friend looked at his
[13:56.160 --> 14:05.160]  And the substitute trustee started foreclosure in October
[14:05.160 --> 14:10.160]  And was assigned as substitute trustee in November
[14:10.160 --> 14:13.160]  Well, duh, how does that work?
[14:13.160 --> 14:17.160]  And then looking through these records
[14:17.160 --> 14:23.160]  They seem to be better in the larger cities, but out here in the boot docks
[14:23.160 --> 14:30.160]  I can't find any assignments of substitute trustee
[14:30.160 --> 14:38.160]  These people are just coming in and saying, well, I have power to sell and they sell
[14:38.160 --> 14:41.160]  There's nothing in the court record indicating that
[14:41.160 --> 14:46.160]  And this is where Steve and Indus fraud detection are going
[14:46.160 --> 14:50.160]  They're going in taking a really close look at those documents
[14:50.160 --> 14:54.160]  And one of the things, okay, I'm sure Steve's going to talk about it
[14:54.160 --> 15:00.160]  He thinks people can do it, that'll trouble getting him up at the beginning of the show so he'll come in the next segment
[15:00.160 --> 15:07.160]  But one of the things we want to do is look at all of that documentation
[15:07.160 --> 15:15.160]  Look at everything that's filed, compare what is filed to what should be filed
[15:15.160 --> 15:18.160]  Then we look at the signatures
[15:18.160 --> 15:22.160]  One of the things I've been suggesting on the show is
[15:22.160 --> 15:26.160]  If you find, say, an assignment
[15:26.160 --> 15:30.160]  An assignment was signed by some individual
[15:30.160 --> 15:37.160]  Well, call the company and ask for personnel
[15:37.160 --> 15:42.160]  And ask to speak to this person's secretary
[15:42.160 --> 15:48.160]  And personnel, they don't know what's going on with all the fraud and stuff, they're just personnel
[15:48.160 --> 15:53.160]  So they go digging there and they come back and say, well, you don't have this guy working for our company
[15:53.160 --> 15:57.160]  Well, then when did he leave the company?
[15:57.160 --> 16:02.160]  Oh, we don't show he ever worked for us, gotcha
[16:02.160 --> 16:04.160]  But that's not good enough
[16:04.160 --> 16:08.160]  Once you got that, now you want to take it and give it to Steve
[16:08.160 --> 16:12.160]  And have his private investigator run that name
[16:12.160 --> 16:16.160]  And verify that this person isn't who they claim they were
[16:16.160 --> 16:20.160]  Then you get to go in court for quiet title action
[16:20.160 --> 16:26.160]  Or if it doesn't go directly to the title, you can go into court and ask the court to correct the records
[16:26.160 --> 16:30.160]  And I won't go much into that, we're about to go to break
[16:30.160 --> 16:37.160]  So I'm sure Steve will get into that part about how you can sneak up behind them
[16:37.160 --> 16:42.160]  Correct the records and leave them standing out high and dry
[16:42.160 --> 16:45.160]  And they're not likely to even have a clue
[16:45.160 --> 16:49.160]  This is Randy Kelsen, Deputy Secretary Craig with our radio
[16:49.160 --> 16:52.160]  This is our four hour info marathon
[16:52.160 --> 16:58.160]  So give us a call, we'll be taking questions, 512-646-1984
[16:58.160 --> 17:00.160]  We'll be right back
[17:00.160 --> 17:02.160]  America is in trouble
[17:02.160 --> 17:04.160]  Washington is a disgrace
[17:04.160 --> 17:07.160]  Government has become too big, it's overtaxing, over spending
[17:07.160 --> 17:09.160]  We need to change direction
[17:09.160 --> 17:10.160]  We really need change
[17:10.160 --> 17:13.160]  We can't afford to make the same mistakes we've made in the past
[17:13.160 --> 17:15.160]  And the President's reputation is a flip flopper
[17:15.160 --> 17:18.160]  He went the other way when he got paid to go the other way
[17:18.160 --> 17:20.160]  There is need for economic stimulus
[17:20.160 --> 17:22.160]  It's about serial hypocrisy
[17:22.160 --> 17:24.160]  This election is about trust
[17:24.160 --> 17:26.160]  There's been one true consistent candidate
[17:26.160 --> 17:27.160]  And that's Dr. Ron Paul
[17:27.160 --> 17:30.160]  Ron Paul has been so consistent from the very beginning
[17:30.160 --> 17:32.160]  He seems like a more honest candidate
[17:32.160 --> 17:35.160]  He tells the truth about what he believes, whether you like it or not
[17:35.160 --> 17:37.160]  He's never once voted for a tax increase
[17:37.160 --> 17:40.160]  Never once voted for an unbalanced budget
[17:40.160 --> 17:41.160]  Ron Paul's plan is bold
[17:41.160 --> 17:42.160]  Cut five departments
[17:42.160 --> 17:43.160]  Is what we need
[17:43.160 --> 17:46.160]  When he says he's going to cut a trillion dollars in the first year
[17:46.160 --> 17:47.160]  I believe it
[17:47.160 --> 17:49.160]  If you don't like how things are going
[17:49.160 --> 17:51.160]  He's tired of politicians
[17:51.160 --> 17:52.160]  He's something different
[17:52.160 --> 17:53.160]  Ron Paul
[17:53.160 --> 17:54.160]  Ron Paul
[17:54.160 --> 17:55.160]  Ron Paul
[17:55.160 --> 17:56.160]  Ron Paul
[17:56.160 --> 17:57.160]  Is the one we've been looking for
[17:57.160 --> 17:58.160]  I'm Ron Paul
[17:58.160 --> 18:00.160]  And I approve this message
[18:00.160 --> 18:02.160]  Are you being harassed by debt collectors
[18:02.160 --> 18:05.160]  With phone calls, letters, or even lawsuits?
[18:05.160 --> 18:07.160]  Stop debt collectors now
[18:07.160 --> 18:09.160]  With the Michael Mears proven method
[18:09.160 --> 18:13.160]  Michael Mears has won six cases in federal court against debt collectors
[18:13.160 --> 18:15.160]  And now you can win two
[18:15.160 --> 18:18.160]  You'll get step-by-step instructions in plain English
[18:18.160 --> 18:21.160]  On how to win in court using federal civil rights statutes
[18:21.160 --> 18:25.160]  What to do when contacted by phones, mail, or court summons
[18:25.160 --> 18:27.160]  How to answer letters and phone calls
[18:27.160 --> 18:29.160]  How to get debt collectors out of your credit reports
[18:29.160 --> 18:31.160]  How to turn the financial tables on them
[18:31.160 --> 18:34.160]  And make them pay you to go away
[18:34.160 --> 18:37.160]  The Michael Mears proven method is the solution
[18:37.160 --> 18:39.160]  For how to stop debt collectors
[18:39.160 --> 18:41.160]  Personal consultation is available as well
[18:41.160 --> 18:43.160]  For more information, please visit
[18:43.160 --> 18:45.160]  Ruleoflawradio.com
[18:45.160 --> 18:47.160]  And click on the blue Michael Mears banner
[18:47.160 --> 18:50.160]  Or email MichaelMears at yahoo.com
[18:50.160 --> 18:52.160]  That's ruleoflawradio.com
[18:52.160 --> 18:58.160]  Or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com
[18:58.160 --> 19:08.160]  To learn how to stop debt collectors now
[19:28.160 --> 19:30.160]  I'm standing like it's out of control
[19:30.160 --> 19:34.160]  On the edge of a hole inside a deep and dark maze
[19:34.160 --> 19:39.160]  I'm always on the lookout for something that suits my soul
[19:39.160 --> 19:41.160]  Okay, we're back
[19:41.160 --> 19:44.160]  Randy Kelton, Douglas Davis, Eddie Craig, Ruleoflaw Radio
[19:44.160 --> 19:48.160]  And we're here with our very special guest, Steve Skidmore
[19:48.160 --> 19:50.160]  Randy, thanks for having me on
[19:50.160 --> 19:52.160]  I am glad to have you
[19:52.160 --> 19:55.160]  It's been a long time since I've heard your middle voice on the airwaves
[19:55.160 --> 19:57.160]  It has been a while
[19:57.160 --> 20:02.160]  Bring us up to date on what you have been up to
[20:02.160 --> 20:07.160]  Well, if your listeners, long-term listeners would remember
[20:07.160 --> 20:11.160]  My CEO and I used to broadcast on Ruleoflaw Radio
[20:11.160 --> 20:17.160]  And since then, we've gone through a lot of metamorphoses, let's say
[20:17.160 --> 20:23.160]  We got to, this is something that might touch your front yard
[20:23.160 --> 20:28.160]  Randy, I have the understanding that you've been accused of the same
[20:28.160 --> 20:31.160]  I don't mean to bring up a touchy subject
[20:31.160 --> 20:37.160]  But let's say that that was part of the inspiration for us
[20:37.160 --> 20:43.160]  To go down the route of becoming a private investigation company license
[20:43.160 --> 20:46.160]  Get our company license
[20:46.160 --> 20:54.160]  We realized that there may be some repercussions from not having license
[20:54.160 --> 21:01.160]  And we read the code and went through, and by the definitions that we read
[21:01.160 --> 21:06.160]  We decided that it would be in a company's best interest to go down this route
[21:06.160 --> 21:09.160]  So we did receive our license
[21:09.160 --> 21:13.160]  We got it back from, when we got back from the New Year's break
[21:13.160 --> 21:19.160]  We got our license, we are now a licensed private investigation company
[21:19.160 --> 21:24.160]  Texas license number A17660
[21:24.160 --> 21:33.160]  We just want to make sure that we don't have to face any kind of rough weather down the road
[21:33.160 --> 21:40.160]  I spoke to an attorney in California here a couple of weeks ago
[21:40.160 --> 21:47.160]  And he said that he lost, happened to lose a case due to this exact issue
[21:47.160 --> 21:54.160]  And I'm sure since it's been successful for the banks in California to win on this issue
[21:54.160 --> 21:57.160]  And this is regarding auditing
[21:57.160 --> 22:02.160]  Come find out from the way it was explained to me
[22:02.160 --> 22:07.160]  The guy told me that the work product is everything and this is why he said that
[22:07.160 --> 22:16.160]  I was led to believe that the bank's attorney moved to either suppress or remove the evidence
[22:16.160 --> 22:20.160]  Because the provider of the evidence failed to meet license requirements
[22:20.160 --> 22:26.160]  Under California's guidelines for being a private investigator
[22:26.160 --> 22:38.160]  So the evidence was suppressed or removed and then the attorney moved to dismiss the homeowner's case for lack of evidence
[22:38.160 --> 22:40.160]  And he got it
[22:40.160 --> 22:48.160]  So credible evidence, evidence is one thing, but credible evidence is something completely different
[22:48.160 --> 23:00.160]  That's interesting because what was the nature of the evidence that it would be dismissed because it wasn't secured by a private investigator?
[23:00.160 --> 23:08.160]  Well, it's not necessarily the private investigator, but I don't know the exact elements that were raised
[23:08.160 --> 23:13.160]  I'm going on what an attorney told me that was his experience
[23:13.160 --> 23:25.160]  But the facts in the audit didn't seem to matter
[23:25.160 --> 23:34.160]  It was that whoever provided the evidence didn't pass, had not secured a license to perform
[23:34.160 --> 23:38.160]  They considered it, apparently considered it, a private investigation
[23:38.160 --> 23:42.160]  And for that state there were license requirements
[23:42.160 --> 23:47.160]  The only thing that I could deduce from this conversation
[23:47.160 --> 23:53.160]  He was reluctant to give up detail, so I'm sure it was a source subject with him
[23:53.160 --> 24:03.160]  What I gather from my experience with private investigator in reading the code
[24:03.160 --> 24:17.160]  Primarily the thing you have to have a private investigator's license for is to gain access to computer systems that are not available to the public
[24:17.160 --> 24:27.160]  Anything else I can do without a license, but if I try to get into NCIC or some of these other private systems that did not have to have the license for it
[24:27.160 --> 24:29.160]  Right
[24:29.160 --> 24:37.160]  And I fully understand and in doing what I'm doing it's become clear that it's not enough to have best evidence
[24:37.160 --> 24:41.160]  You have to be able to present the best evidence
[24:41.160 --> 24:42.160]  Right
[24:42.160 --> 24:50.160]  And if you've got some chomp like me who's not certified, who doesn't have the credentials
[24:50.160 --> 24:54.160]  Nobody's going to pay attention to what I say
[24:54.160 --> 24:59.160]  Credentials do, sadly enough, credentials do go a long way
[24:59.160 --> 25:04.160]  And I think as they should, everybody has an opinion
[25:04.160 --> 25:10.160]  Well, yeah, but I mean, there comes a time when facts should rule
[25:10.160 --> 25:16.160]  Was it a fact that the bank broke the law? Yes
[25:16.160 --> 25:26.160]  Well, the problem with facts, sometimes it's rather you accept what's being presented as fact or not
[25:26.160 --> 25:27.160]  Right
[25:27.160 --> 25:30.160]  And who's bringing the information
[25:30.160 --> 25:31.160]  Right
[25:31.160 --> 25:35.160]  And I know it makes our lives more difficult, but I think that's as it should be
[25:35.160 --> 25:36.160]  Right
[25:36.160 --> 25:41.160]  It shouldn't be easy for somebody to just come in and throw some stuff at the court
[25:41.160 --> 25:45.160]  And the court just jump right on it and roll right over somebody
[25:45.160 --> 25:47.160]  Well, particularly when... Exactly
[25:47.160 --> 25:51.160]  And that shoe fits both feet, Randy, that goes for the banks as well
[25:51.160 --> 25:52.160]  Exactly
[25:52.160 --> 25:57.160]  These foreclosure mill attorneys that are coming in with all this bogus paperwork
[25:57.160 --> 26:02.160]  And essentially stealing houses, it's got to stop
[26:02.160 --> 26:07.160]  Yeah, and it is, we're getting case after case after case
[26:07.160 --> 26:13.160]  It appears as though they're getting afraid to, they're really getting worried about even doing foreclosures
[26:13.160 --> 26:20.160]  They're looking behind them at the foreclosures they've already done coming back to haunt them
[26:20.160 --> 26:29.160]  And I'm looking at going, checking the court record for just precisely that purpose
[26:29.160 --> 26:35.160]  It was you that really got me first to look at the records with your experience with your case
[26:35.160 --> 26:43.160]  But when you explain to them, I'm trying to get people to understand why this is so important
[26:43.160 --> 26:49.160]  Oh, this is the mortgage, yeah, the mortgage, oh, to go to the court records?
[26:49.160 --> 26:52.160]  Go to the court records, right
[26:52.160 --> 26:57.160]  And compare the court record to your local state law
[26:57.160 --> 26:58.160]  Oh, absolutely
[26:58.160 --> 27:10.160]  Property code here in Texas says that a lien is not valid until it is properly filed with the clerk
[27:10.160 --> 27:14.160]  Not just filed, but properly filed
[27:14.160 --> 27:16.160]  Right
[27:16.160 --> 27:17.160]  So
[27:17.160 --> 27:25.160]  There's a lot more, there's a lot more issues on the table that the filing issues can be one issue
[27:25.160 --> 27:32.160]  If they filed the records of documents, we often find that they don't
[27:32.160 --> 27:35.160]  That's not a timely filing
[27:35.160 --> 27:36.160]  Right
[27:36.160 --> 27:39.160]  And who signed the documents?
[27:39.160 --> 27:41.160]  Good question
[27:41.160 --> 27:43.160]  Yeah
[27:43.160 --> 27:49.160]  One thing we're finding a lot is that the substitute trustee began the foreclosure proceeding
[27:49.160 --> 27:55.160]  Before he was assigned substitute trustee, just talked to someone in D.C. yesterday
[27:55.160 --> 27:58.160]  And that's exactly what happened in their case
[27:58.160 --> 28:03.160]  Started filing one month, he was appointed trustee the next month
[28:03.160 --> 28:06.160]  And that's what I've been asked to
[28:06.160 --> 28:08.160]  Right, yeah, that's pretty common
[28:08.160 --> 28:15.160]  The court said that the substitute trustee started the foreclosure proceedings
[28:15.160 --> 28:19.160]  Before he was assigned a substitute trustee
[28:19.160 --> 28:28.160]  And therefore the substitute trustee, this was the purchaser of the house at auction had went to the court for quiet title
[28:28.160 --> 28:31.160]  In Massachusetts they have a special land court
[28:31.160 --> 28:35.160]  He went to the land court to request quiet title
[28:35.160 --> 28:40.160]  And the court told him he bought from the trustee what the trustee had to sell
[28:40.160 --> 28:43.160]  Which was nothing
[28:43.160 --> 28:50.160]  Similar case in Oklahoma, similar case in Alabama, similar case in Colorado
[28:50.160 --> 28:55.160]  We've got them from New York, we've got them in Texas, California
[28:55.160 --> 28:59.160]  We've got them incoming all over the beginning to come fast and furious
[28:59.160 --> 29:01.160]  Yep
[29:01.160 --> 29:05.160]  It's what you were talking about two years ago
[29:05.160 --> 29:09.160]  And what I was talking about two years ago
[29:09.160 --> 29:13.160]  Is actually coming back to Biden, finally
[29:13.160 --> 29:15.160]  Yes, exactly, finally
[29:15.160 --> 29:19.160]  And now it's not enough to go to the court and say well these are my list documents
[29:19.160 --> 29:26.160]  Need to bring someone in there with credentials to say these are bogus documents
[29:26.160 --> 29:31.160]  Exactly what the court would be essentially compelled to listen to
[29:31.160 --> 29:35.160]  Well, I'd like to say that I myself am not a private investigator
[29:35.160 --> 29:39.160]  However, the company does have its private investigation license
[29:39.160 --> 29:43.160]  The people, the...
[29:43.160 --> 29:45.160]  I hear the music
[29:45.160 --> 29:47.160]  You don't mind when we get back on the other side
[29:47.160 --> 29:51.160]  I'd kind of like to get into the structure and direction that our company goes
[29:51.160 --> 29:53.160]  Good, that's where we'll go
[29:53.160 --> 29:55.160]  This is ready to go
[29:55.160 --> 29:57.160]  Eddie Craig, we'll blow radio
[29:57.160 --> 30:07.160]  We'll be right back
[30:27.160 --> 30:31.160]  Go to RememberBuilding7.org today
[30:57.160 --> 31:19.160]  Millions of people find airport frisking traumatic
[31:19.160 --> 31:22.160]  Victims of sexual abuse re-experience unwanted touching
[31:22.160 --> 31:26.160]  And survivors of surgery must allow strangers to probe sensitive areas
[31:26.160 --> 31:31.160]  The ACLU has received over a thousand complaints from people who say they've been violated
[31:31.160 --> 31:35.160]  Alaska state lawmaker Sharon Sisna recently brought attention to this problem
[31:35.160 --> 31:41.160]  TSA officials refused to let her board a plane unless they could pat down her mastectomy scar
[31:41.160 --> 31:45.160]  She refused, spent four days getting home by ferry instead
[31:45.160 --> 31:49.160]  And returned to a hero's welcome, her office filled with flowers from well-wishers
[31:49.160 --> 31:54.160]  Let's hear it for this brave woman who's getting the TSA to rethink its policies
[31:54.160 --> 31:55.160]  You go, girl
[31:55.160 --> 32:00.160]  I'm Dr. Catherine Albrecht, more news and information at CatherineAlbrecht.com
[32:25.160 --> 32:37.160]  Okay, we're back
[32:37.160 --> 32:47.160]  We're talking to Steve Skidmore with endless fraud detection
[32:47.160 --> 32:53.160]  And Steve, will you go into the structure and direction of your company?
[32:53.160 --> 32:55.160]  We glad to
[32:55.160 --> 33:07.160]  As a client comes to us, what we'll do is we'll have them scan all of their closing documents
[33:07.160 --> 33:10.160]  That is everything that was provided prior to their closing
[33:10.160 --> 33:16.160]  Anything that was brought to the table and everything they were provided with after the closing had been processed
[33:16.160 --> 33:19.160]  That nice fancy little package that the title company sends you
[33:19.160 --> 33:24.160]  That's what the auditors need to look at
[33:24.160 --> 33:33.160]  The PI will get a copy of these documents and identify the property where the property is on the public records
[33:33.160 --> 33:39.160]  And go get a copy of the public records, everything that's filed in the public records
[33:39.160 --> 33:51.160]  What the PI is looking for is the requisite file documents of transfers from party to party
[33:51.160 --> 34:01.160]  That is when there is statute and when you go into the securities aspect of a mortgage in the pooling and servicing agreements
[34:01.160 --> 34:12.160]  The auditors often find language that dictates that whenever this mortgage is transferred that there be made record of it in the public records
[34:12.160 --> 34:17.160]  So the PIs are looking here on the ground, not actually on the ground here
[34:17.160 --> 34:24.160]  They're looking to establish a chain of title through the filing of requisite documents in the public record
[34:24.160 --> 34:31.160]  The same copy of the documents would be sent to a certified loan auditor
[34:31.160 --> 34:36.160]  And when I say certified we go back to the credentials again
[34:36.160 --> 34:43.160]  The auditors that we use have been certified by a company, a certifying entity
[34:43.160 --> 34:48.160]  The National Association of Mortgage Underwriters
[34:48.160 --> 35:00.160]  This is consequently the same entity that certifies many of the bank's mortgage underwriters and loan processors
[35:00.160 --> 35:04.160]  So this falls under the category of what I call the goose doctrine
[35:04.160 --> 35:09.160]  If it's good for the goose, it's good for the gander, if it's good enough for the banks, it's good enough for the auditors
[35:09.160 --> 35:24.160]  So these auditors are trained to look for violations in all consumer protection laws
[35:24.160 --> 35:29.160]  Such as the Truth in Lending, Real Estate Settlement Procedures Act
[35:29.160 --> 35:33.160]  In high equity loans, homeowner equity protection act should be looked at
[35:33.160 --> 35:42.160]  If they get a copy of the credit report, they can see if the credit reporting act kicks in
[35:42.160 --> 35:48.160]  If they've been denied credit due to inaccurate and erroneous Equal Credit Opportunity Act
[35:48.160 --> 35:57.160]  All of these aspects can be looked at and brought forth in a report that is then sent back to the PI
[35:57.160 --> 36:06.160]  Meanwhile, either that same auditor or another auditor will be looking through Bloomberg to identify or attempt to identify
[36:06.160 --> 36:11.160]  And track and trace where this mortgage went
[36:11.160 --> 36:15.160]  They want to be able to tell you who the real party in interest is
[36:15.160 --> 36:24.160]  I'm not a lawyer, but I do have an understanding that the real party in interest is the one who should take any action in court
[36:24.160 --> 36:29.160]  Persona to Rule 17 of the RCFP
[36:29.160 --> 36:41.160]  But all of this is all combined in a final report with a verified affidavit from the PI
[36:41.160 --> 36:49.160]  Saying, stating that this is what we found when we went and looked into this issue
[36:49.160 --> 36:56.160]  PI's will also do background checks if an individual is in a default situation
[36:56.160 --> 37:04.160]  There will be documents that are filed in the county records and sent, also a copy is sent to the homeowner
[37:04.160 --> 37:10.160]  These foreclosure documents are often signed by some very interesting people
[37:10.160 --> 37:17.160]  Background check on one lady, what I'm speaking to is the RoboSigner issue, I'm sure everybody's aware of that
[37:17.160 --> 37:23.160]  He's seen 60 minutes by now and is aware who Linda Green is
[37:23.160 --> 37:30.160]  A background check on one of these RoboSigners found this poor lady, God rest her soul, she had died in Oklahoma
[37:30.160 --> 37:35.160]  She was buried in Oklahoma City, but yet three years later by some miraculous event
[37:35.160 --> 37:42.160]  She's alive and well in California, signed in foreclosure documents in about 3,000 of them a day
[37:42.160 --> 37:46.160]  Wow, I'd like to know who her doctor was
[37:46.160 --> 37:49.160]  But issues like this
[37:49.160 --> 37:52.160]  I want to know what kind of vitamins she was taking
[37:52.160 --> 37:59.160]  Just something, but anybody that's signing these foreclosure documents definitely needs to be looked into
[37:59.160 --> 38:07.160]  The Notary public also needs to be looked into, so the PI's will do background checks on all these individuals
[38:07.160 --> 38:18.160]  If nothing comes up, that's what their report says, if something particularly strange comes up, that's what their report is
[38:18.160 --> 38:29.160]  Their job is to investigate the situation and put their findings on paper, good, bad or indifferent
[38:29.160 --> 38:38.160]  And that's what gets sent back to the representative council and or the client
[38:38.160 --> 38:42.160]  Okay, how long does it take to do one of these?
[38:42.160 --> 38:47.160]  It's got an average turnaround time of three to five weeks
[38:47.160 --> 38:54.160]  Interesting, and approximate, I'm sure the cost will vary depending on the circumstances
[38:54.160 --> 39:03.160]  But approximate cost of this, and before we go there, you know, we help people with foreclosure issues
[39:03.160 --> 39:09.160]  And they're in foreclosure issues because they're having financial difficulty
[39:09.160 --> 39:12.160]  And sometimes I have to remind people
[39:12.160 --> 39:14.160]  Objection irrelevant
[39:14.160 --> 39:24.160]  When I mentioned that, you know, you need to hire someone to do an audit
[39:24.160 --> 39:31.160]  Well, how much is that going to cost? And I said, well, relative to the value of your property
[39:31.160 --> 39:32.160]  Thank you
[39:32.160 --> 39:34.160]  Next to nothing
[39:34.160 --> 39:44.160]  And consider, you know, when we have something that's going to cost $1,000 or $2,000 or $3,000
[39:44.160 --> 39:50.160]  We ask people to kind of think about that, you know, how many house payments is that?
[39:50.160 --> 39:54.160]  How many house payments have you already put in?
[39:54.160 --> 40:02.160]  And most people, when they're getting these difficult positions, they don't feel like they have any resources
[40:02.160 --> 40:10.160]  And you realize, and we really need to get in these situations, pay attention, not to what something's costing
[40:10.160 --> 40:18.160]  But what the value is, if you look at the cost of value, it costs, for the most part, about everything I've seen
[40:18.160 --> 40:20.160]  It's chump change
[40:20.160 --> 40:26.160]  Okay, with that said, drum roll
[40:26.160 --> 40:30.160]  Turnkey price of $34.95
[40:30.160 --> 40:31.160]  Yeah
[40:31.160 --> 40:35.160]  $34.95
[40:35.160 --> 40:43.160]  And you might, you know, people do kind of, well, I don't have that kind of money, or that costs too much
[40:43.160 --> 40:44.160]  I can't afford that
[40:44.160 --> 40:48.160]  Well, what did it take to get you in there? What was your closing cost?
[40:48.160 --> 40:53.160]  This is probably half your closing cost
[40:53.160 --> 40:59.160]  So yeah, it's like you said, it's relative to the value of your property
[40:59.160 --> 41:04.160]  Well, I finally, you know, doing this for a while, I come to realize it's not that people are cheap
[41:04.160 --> 41:09.160]  It's not that they want to pay for it, it's just they're in financial difficulty
[41:09.160 --> 41:13.160]  They look around and they don't see where they can come up with it
[41:13.160 --> 41:18.160]  There's one person that most stands out in my mind
[41:18.160 --> 41:30.160]  A woman in San Marcos down near the coast, we filed a $14.5 million suit
[41:30.160 --> 41:35.160]  The other side never answered
[41:35.160 --> 41:39.160]  And I told her, you need counsel
[41:39.160 --> 41:44.160]  This is way too important to risk the prosaibias
[41:44.160 --> 41:49.160]  So she went to this attorney and he looked at it and he said, well, yeah, I can do this
[41:49.160 --> 41:52.160]  But I want a $10,000 retainer
[41:52.160 --> 41:55.160]  And she nearly vomited
[41:55.160 --> 41:59.160]  She couldn't imagine where she could come up with $10,000
[41:59.160 --> 42:02.160]  And then when I talked to her, I asked her, what kind of car are you driving?
[42:02.160 --> 42:05.160]  She's driving a Mercedes
[42:05.160 --> 42:11.160]  Well, trade it in and get a Kia and save your house
[42:11.160 --> 42:22.160]  The guy asked for $10,000 to adjudicate a $15 million default judgment
[42:22.160 --> 42:26.160]  That was chump change
[42:26.160 --> 42:30.160]  Then after we talked a while, she got to thinking about it
[42:30.160 --> 42:34.160]  And she said, you're right, I could come up with that
[42:34.160 --> 42:38.160]  It turned out she didn't have to but she could have, she just
[42:38.160 --> 42:42.160]  And all these financial difficulties, you have no idea where you're going to get that
[42:42.160 --> 42:46.160]  And we need to pay more attention to our clients sometimes
[42:46.160 --> 42:50.160]  And kind of help them pass the emotional difficulty
[42:50.160 --> 42:53.160]  $3400, what's that?
[42:53.160 --> 42:57.160]  Average two, maybe three monthly payments?
[42:57.160 --> 43:00.160]  If you can't pay the taxes
[43:00.160 --> 43:04.160]  If you couldn't pay that, you couldn't pay the taxes on your property
[43:04.160 --> 43:09.160]  So one of the things people need to do is
[43:09.160 --> 43:12.160]  Your house is too valuable
[43:12.160 --> 43:15.160]  If you have to sell your flat screen TV
[43:15.160 --> 43:18.160]  If you have to trade your new car off for an older one
[43:18.160 --> 43:21.160]  Do what you have to save your house
[43:21.160 --> 43:25.160]  Okay, I'm going to quit hogging the show
[43:25.160 --> 43:29.160]  You're exactly right, you got to assess your priorities
[43:29.160 --> 43:31.160]  Everybody's got to assess their priorities
[43:31.160 --> 43:35.160]  Particularly in the situation that this country's finances are in today
[43:35.160 --> 43:44.160]  For the most part, the financial difficulties are true
[43:44.160 --> 43:47.160]  They will pass, but we need more than anything
[43:47.160 --> 43:50.160]  Time, if anything we use, we can be true to this
[43:50.160 --> 43:56.160]  Greg, we live on radio, call it number 512-646-1984
[43:56.160 --> 44:01.160]  We'll be right back
[44:27.160 --> 44:30.160]  Through Shaw's interview on KFOR TV
[44:30.160 --> 44:34.160]  It was also told by ATF agents that they had been paged to not come into work
[44:34.160 --> 44:37.160]  The ATF initially denied these claims
[44:37.160 --> 44:41.160]  And now variously claim that one of their agents was in a free falling elevator
[44:41.160 --> 44:44.160]  Which has been disproven, or that they had been in an all night stick out
[44:44.160 --> 44:46.160]  Or that they had been in a golf tournament
[44:46.160 --> 44:48.160]  As they try to sort out their lives
[44:48.160 --> 44:51.160]  All we want to know is, did the ATF receive a warning
[44:51.160 --> 44:56.160]  And if so, why did they not pass it on to others in the world?
[44:56.160 --> 45:22.160]  For more information go to LKCFalmingTruth.com
[45:26.160 --> 45:55.160]  For more information visit LKCFalmingTruth.com
[45:56.160 --> 46:01.160]  This is what our powder, seeds and oil can do for you at hempusa.org
[46:01.160 --> 46:30.160]  Music playing
[46:31.160 --> 46:42.160]  Music playing
[46:42.160 --> 46:44.160]  Okay, we're back
[46:44.160 --> 46:47.160]  Randy Kelton, David Steven, Sadie Craig, we live on radio
[46:47.160 --> 46:52.160]  We're talking to Steve Skidmore from English fraud detection
[46:52.160 --> 47:00.160]  And I did want to kind of talk about what to look for in the court record
[47:00.160 --> 47:06.160]  If you have a mortgage, even if you're up to date and you can pay the mortgage
[47:06.160 --> 47:10.160]  You should look closely at the mortgage that you have
[47:10.160 --> 47:17.160]  Especially if you secured that mortgage after the year 2000
[47:17.160 --> 47:23.160]  You can be relatively certain that you paid more for the property than you should have
[47:23.160 --> 47:28.160]  And I have yet to look at a single set of loan documents
[47:28.160 --> 47:33.160]  That were not simply wife with fraud
[47:33.160 --> 47:40.160]  And we'll talk about the documents, the fines and fees is one of the big deals
[47:40.160 --> 47:50.160]  But before we even get to that, the filing practices of these lenders was absolutely atrocious
[47:50.160 --> 47:58.160]  We looked in the court record before Steve, before you came on, Steve was talking about looking in the court record of a friend of mine
[47:58.160 --> 48:01.160]  And the bank never filed a lien
[48:01.160 --> 48:06.160]  There was an original lien and then he got refinance
[48:06.160 --> 48:13.160]  And there's evidence in the court record of the release of the original lien
[48:13.160 --> 48:21.160]  There's a record in there that the note was paid off in full without recourse
[48:21.160 --> 48:24.160]  There's no second lien
[48:24.160 --> 48:30.160]  And we have a, there will be tomorrow, I mean Monday
[48:30.160 --> 48:34.160]  I think they'd be mine
[48:34.160 --> 48:38.160]  I'm going to file the mechanics lien against it
[48:38.160 --> 48:46.160]  This is common and we have a two hour video from a lawyer in Utah
[48:46.160 --> 48:51.160]  That he looks in the court record when he finds this in one of his clients
[48:51.160 --> 48:55.160]  Then he moves for quiet title
[48:55.160 --> 49:07.160]  And in the quiet title action, the court can only go back and look within the four corners of the filings in the state record
[49:07.160 --> 49:11.160]  He shows the court, here's the lien
[49:11.160 --> 49:15.160]  Here's the filing of the lien, here's the filing of the note
[49:15.160 --> 49:21.160]  Here's the filing of release of lien, here's the filing of satisfaction of the note
[49:21.160 --> 49:25.160]  We asked for a declaration of quiet title
[49:25.160 --> 49:29.160]  And so far he's got five out of five
[49:29.160 --> 49:31.160]  Good deal
[49:31.160 --> 49:36.160]  And this is a relatively simple thing for the court to do
[49:36.160 --> 49:42.160]  We're not asking the court to make a major ruling against someone
[49:42.160 --> 49:50.160]  We're not asking them to do some complex consideration of law
[49:50.160 --> 49:54.160]  This is really clear and straightforward
[49:54.160 --> 50:01.160]  They filed a lien, they released the lien, there is no lien
[50:01.160 --> 50:06.160]  And if somebody else wants to come with some evidence to show that there was a lien
[50:06.160 --> 50:11.160]  And there was a reason it wasn't filed in the clerk with the clerk of the court
[50:11.160 --> 50:15.160]  Well, they certainly have opportunity to do that
[50:15.160 --> 50:21.160]  So this is one of the things and you need to look close at the documents that are in there
[50:21.160 --> 50:23.160]  Especially the dates
[50:23.160 --> 50:28.160]  Look close at the notary signatures
[50:28.160 --> 50:32.160]  The dates of the notary who got one
[50:32.160 --> 50:40.160]  Where the document was filed with the clerk of the court the day before it was notarized
[50:40.160 --> 50:43.160]  You know, I look at this stuff and wonder
[50:43.160 --> 50:46.160]  How did they do that?
[50:46.160 --> 50:48.160]  With a pen
[50:48.160 --> 50:54.160]  I mean, how did they make that particular mistake?
[50:54.160 --> 50:59.160]  If you're going to notarize a whole bunch of documents
[50:59.160 --> 51:04.160]  You're going to notarize them in the future?
[51:04.160 --> 51:07.160]  That didn't make sense
[51:07.160 --> 51:15.160]  Randy, when our PIs were looking into our PIs
[51:15.160 --> 51:21.160]  We contract with private investigators, I just commonly refer to them as ours
[51:21.160 --> 51:23.160]  They don't belong to us
[51:23.160 --> 51:28.160]  These guys were digging around on one of the notaries
[51:28.160 --> 51:30.160]  On the notary seal
[51:30.160 --> 51:32.160]  The stamp was there
[51:32.160 --> 51:39.160]  But the year 2010 was scratched out and 2011 was handwritten next to it
[51:39.160 --> 51:41.160]  Little intricate things like that
[51:41.160 --> 51:45.160]  Yeah, it's always going down from notary fraud on that one
[51:45.160 --> 51:50.160]  But it's little intricate things like that is what you're looking for
[51:50.160 --> 51:57.160]  Yeah, we've got one with the HUD 1 settlement statement
[51:57.160 --> 52:00.160]  They have a copy
[52:00.160 --> 52:07.160]  But the copy they got from the bank it is absolutely blatantly obvious that they used whiteout
[52:07.160 --> 52:10.160]  Because they didn't use enough, they didn't get it all
[52:10.160 --> 52:11.160]  Uh-oh
[52:11.160 --> 52:13.160]  And changed the numbers
[52:13.160 --> 52:14.160]  Uh-huh
[52:14.160 --> 52:17.160]  Before, after it was signed
[52:17.160 --> 52:18.160]  After
[52:18.160 --> 52:19.160]  Uh-huh
[52:19.160 --> 52:22.160]  They got the copy they signed
[52:22.160 --> 52:23.160]  Oh boy
[52:23.160 --> 52:25.160]  The copy they got from the bank had been altered
[52:25.160 --> 52:29.160]  I mean, this is absolute, this is not just arrogance
[52:29.160 --> 52:32.160]  This is hubris, this is beyond arrogance
[52:32.160 --> 52:38.160]  And that's why it's so important to have somebody with credentials go get everything that's in the county records
[52:38.160 --> 52:43.160]  Right, you can go get it yourself and you can find that something's wrong
[52:43.160 --> 52:48.160]  But once you do that, do not bring it to the court yourself
[52:48.160 --> 52:50.160]  The court can blow you off
[52:50.160 --> 52:55.160]  Have someone with credentials bring it to the court
[52:55.160 --> 52:57.160]  Now they have to deal with it
[52:57.160 --> 52:59.160]  It changes the entire landscape
[52:59.160 --> 53:00.160]  Yeah
[53:00.160 --> 53:06.160]  And these issues are way too important for us to be careless with
[53:06.160 --> 53:11.160]  The copy pretty made your money here for most people
[53:11.160 --> 53:12.160]  Uh-huh
[53:12.160 --> 53:17.160]  And the politics is getting right
[53:17.160 --> 53:21.160]  Uh, you know, the program that I'm doing
[53:21.160 --> 53:32.160]  I designed it under the consideration that the court would rule against us at every turn out of hand
[53:32.160 --> 53:39.160]  And we designed an approach to where we could still achieve remedy
[53:39.160 --> 53:43.160]  Even when they rule against us out of hand at every turn
[53:43.160 --> 53:44.160]  Uh-huh
[53:44.160 --> 53:52.160]  However, with the current events, that could well be changing
[53:52.160 --> 54:00.160]  Now if we do our job right, if we're careful and we bring the judge what the judge needs
[54:00.160 --> 54:05.160]  There's a good chance we'll start getting the decisions that we want
[54:05.160 --> 54:14.160]  I had someone the other day who's complaining that they threw out a state court case, they threw out a federal case
[54:14.160 --> 54:20.160]  And I told her what Harman Taylor had said about this issue
[54:20.160 --> 54:28.160]  Harman tells about filing these documents in the Terry McVeigh case
[54:28.160 --> 54:29.160]  Uh-huh
[54:29.160 --> 54:35.160]  And he accuses the judge of hitting him with a pat and two by four
[54:35.160 --> 54:37.160]  Okay
[54:37.160 --> 54:46.160]  And that goes to his perception that if you pay attention, the courts are always trying to teach you
[54:46.160 --> 54:47.160]  Yes
[54:47.160 --> 54:52.160]  They're not just rooting against you and listen to them
[54:52.160 --> 54:58.160]  I asked her what did the judge say in his order
[54:58.160 --> 55:04.160]  And she read it and she said, well, he said that I didn't give him any evidence
[55:04.160 --> 55:06.160]  And I got their pleadings
[55:06.160 --> 55:08.160]  Now you know what you need
[55:08.160 --> 55:17.160]  Yeah, and I told her you should file an amended pleading because the judge is clearly asking you for an amended pleading
[55:17.160 --> 55:19.160]  He didn't say you need to file an amended pleading
[55:19.160 --> 55:24.160]  He said you did not give me evidence
[55:24.160 --> 55:29.160]  And I looked at her pleading and he was right
[55:29.160 --> 55:30.160]  Uh-huh
[55:30.160 --> 55:33.160]  She had given him a squat
[55:33.160 --> 55:40.160]  And he's trying to tell her, uh, I once said in a mock trial for someone in Massachusetts
[55:40.160 --> 55:41.160]  Uh-huh
[55:41.160 --> 55:56.160]  And, uh, you know, we hear the story and he said, oh, you know, they're just coming after us because these people did some of these Tim Turner documents to lean on a judge in Pennsylvania
[55:56.160 --> 55:57.160]  Uh-huh
[55:57.160 --> 56:00.160]  And this guy's in Massachusetts
[56:00.160 --> 56:06.160]  And the prosecutor in Pennsylvania charged him and they came and brought him to Massachusetts
[56:06.160 --> 56:16.160]  And they were saying, well, it was a jurisdiction and I was trying to get him to file for removal to the federal court and they never did that
[56:16.160 --> 56:19.160]  But we did a mock trial
[56:19.160 --> 56:27.160]  And I was, they had me sit as judge and I was amazed how hard that was
[56:27.160 --> 56:41.160]  I'm sitting here and he's up here arguing these issues about how the, uh, about a lot of these patriot issues
[56:41.160 --> 56:45.160]  And I'm thinking, so what? That doesn't go to the case
[56:45.160 --> 56:50.160]  Give me something I can work with
[56:50.160 --> 56:58.160]  He never did. He finally after we had, these guys had went out and just pulled a jury off the streets
[56:58.160 --> 57:04.160]  Asked people if they would come and sit in this mock jury they were holding, this mock trial
[57:04.160 --> 57:08.160]  And he got a jury of people who didn't know him
[57:08.160 --> 57:13.160]  And did that twice and both juries found him guilty
[57:13.160 --> 57:20.160]  And he went to the, and then after we did the mock trials turned out he was, he hadn't told us everything
[57:20.160 --> 57:21.160]  Okay
[57:21.160 --> 57:30.160]  But, uh, the important part was, is when I was sitting up there, I'm saying, thinking, come on, come on, give me something
[57:30.160 --> 57:32.160]  But I'm the judge, I can't do that
[57:32.160 --> 57:39.160]  So these federal judges, when you're finished with a, you know, when they issue a ruling, they can do that
[57:39.160 --> 57:43.160]  And if you read it, they'll tell you exactly what you need
[57:43.160 --> 57:47.160]  Give them what they need and let's start doing our homework
[57:47.160 --> 57:56.160]  Let's not just say, somebody hit me, take this from me, take this burden off of me
[57:56.160 --> 58:00.160]  So I can go back and sit down in front of my big screen TV and drink my beer
[58:00.160 --> 58:02.160]  Now it's not going to work that way
[58:02.160 --> 58:06.160]  Uh, I get clients and first thing I want to do is put them to work
[58:06.160 --> 58:12.160]  Get down there, dig in there, tell me what's there, analyze it for me
[58:12.160 --> 58:14.160]  And you'll build a case
[58:14.160 --> 58:17.160]  It's also in how you present it too
[58:17.160 --> 58:22.160]  Exactly, and we'll talk about that when we come back on the inside
[58:22.160 --> 58:24.160]  First thing, you've got to get the evidence
[58:24.160 --> 58:31.160]  And you have to get evidence that goes to elements of issues that you can do to keep
[58:31.160 --> 58:36.160]  Not enough for them to do, for them to do something dirty, rotten, stinking, lousy
[58:36.160 --> 58:39.160]  It has to go to something you can actually get ready for
[58:39.160 --> 58:42.160]  This is Wendy Kelton, members of the United Great
[58:42.160 --> 58:45.160]  We've got radio, our phone lines are open
[58:45.160 --> 58:49.160]  512-646-1984, call in
[58:49.160 --> 58:52.160]  We want a place, dump to chomp
[58:52.160 --> 58:56.160]  Been a long time since I got to chomp Steve's Kidmore on the air
[58:56.160 --> 58:58.160]  I'm just thrilled
[58:58.160 --> 59:00.160]  We'll be right back
[59:00.160 --> 59:04.160]  Would you like to make more definite progress in your walk with God?
[59:04.160 --> 59:11.160]  Bibles for America is offering a free study Bible and a set of free Christian books that can really help
[59:11.160 --> 59:16.160]  The New Testament recovery version is one of the most comprehensive study Bibles available today
[59:16.160 --> 59:23.160]  It's an accurate translation and it contains thousands of footnotes that will help you to know God and to know the meaning of life
[59:23.160 --> 59:28.160]  The free books are a three-volume set called Basic Elements of the Christian Life
[59:28.160 --> 59:34.160]  Chapter by chapter, Basic Elements of the Christian Life clearly presents God's plan of salvation
[59:34.160 --> 59:38.160]  Growing in Christ and how to build up the church
[59:38.160 --> 59:44.160]  To order your free New Testament recovery version and Basic Elements of the Christian Life
[59:44.160 --> 59:51.160]  Call Bibles for America toll-free at 888-551-0102
[59:51.160 --> 59:55.160]  That's 888-551-0102
[59:55.160 --> 01:00:00.160]  Or visit us online at bfa.org
[01:00:00.160 --> 01:00:05.160]  This news brief brought to you by the International Newsnet
[01:00:05.160 --> 01:00:14.160]  Syrian leader Bashar al-Assad intensified his assault on the city of Homs Friday after a UN General Assembly vote called on him to step down
[01:00:14.160 --> 01:00:19.160]  General Assembly resolutions are non-binding but reflect world opinion on major issues
[01:00:19.160 --> 01:00:25.160]  Just 11 nations joined Syria in voting against the resolution led by Russia and China
[01:00:25.160 --> 01:00:29.160]  which vetoed a similar measure in the UN Security Council early this month
[01:00:29.160 --> 01:00:41.160]  A suicide bomb ripped through a Pakistani market Friday, killing at least seven people and wounding 45 others near a mosque in the country's tribal badlands
[01:00:41.160 --> 01:00:53.160]  The bomb exploded near a Sunni Muslim mosque during Friday prayers and Parachinar, a former flashpoint for sectarian violence between the majority Sunni and minority Shiites
[01:00:53.160 --> 01:01:03.160]  New York Times correspondent and two-time Pulitzer Prize winner Antony Shadeed died Thursday in Syria of an apparent asthma attack while reporting on the uprising
[01:01:03.160 --> 01:01:14.160]  Shadeed who survived a gunshot wound in the West Bank in 2002 and was captured for six days in Libya last year was returning with smugglers from Syria to Turkey when he collapsed
[01:01:14.160 --> 01:01:25.160]  Despite a recent $25 billion settlement agreement between state attorneys general and the nation's largest banks over fraudulent home foreclosures
[01:01:25.160 --> 01:01:32.160]  a new California study indicates many of the same illegal foreclosure practices are still occurring at alarming rates
[01:01:32.160 --> 01:01:44.160]  Experts and officials who've conducted studies in other parts of the country say the audit this week showing rampant foreclosure abuse in San Francisco reflected similar levels across the US
[01:01:44.160 --> 01:01:49.160]  The city's audit of almost 404 closures found 84% were illegal
[01:01:49.160 --> 01:02:02.160]  Jeff Thickpen, registrar of Deeds in Guilford County, North Carolina, examined 6,100 mortgage documents created between January 2008 and December 2010
[01:02:02.160 --> 01:02:09.160]  Of those, 4500 showed signature irregularities, a telltale sign of the illegal practice of robo-signing
[01:02:09.160 --> 01:02:17.160]  Details of last week's settlement are still being hashed out but they're not expected to include any admission of wrongdoing by the banks
[01:02:17.160 --> 01:02:25.160]  A Palestinian prisoner on the 62nd day of a hunger strike shackled to a bed and an Israeli hospital lies near death
[01:02:25.160 --> 01:02:32.160]  Carter Adnan is being held without charge by Israeli authorities under a four month term of administrative detention
[01:02:32.160 --> 01:02:35.160]  He began his hunger strike the day after he was arrested
[01:02:35.160 --> 01:02:40.160]  Adnan's lawyers have petitioned Israel's Supreme Court but no date has been set for a hearing
[01:02:40.160 --> 01:02:50.160]  Adnan's hunger strike is in protest at his detention without charge or being informed of any evidence against him and over abuse during his arrest and interrogation
[01:02:50.160 --> 01:02:56.160]  This is Adnan's 9th period of detention even though he has never committed an act of violence against Israel
[01:02:56.160 --> 01:03:03.160]  For more details on this story, visit INN4report.net
[01:03:27.160 --> 01:03:32.160]  Our leader's booking is set, the care is not over the whole site
[01:03:34.160 --> 01:03:39.160]  These warmongers come by last term Friday
[01:03:43.160 --> 01:03:50.160]  I won't pay for the war with my body, ain't gonna pay for their car with my money
[01:03:50.160 --> 01:03:56.160]  I won't pay for the fun with my body, this man's wicked analogic shoddy
[01:03:56.160 --> 01:04:03.160]  Ain't gonna pay for the oil with my body, I won't pay for the boys with my money
[01:04:03.160 --> 01:04:10.160]  Ain't gonna pay for the kids with my body, the whole agenda smells funny
[01:04:10.160 --> 01:04:22.160]  I wanna fight in a war of my own, that one would be less active than a crow
[01:04:22.160 --> 01:04:26.160]  Okay, we're back, we're Andy Kelton, Debra Stevens, Eddie Craig with La Radio
[01:04:26.160 --> 01:04:38.160]  We're talking to Steve Skidmore and we're gonna talk about 51.903 action on fraudulent lean-on property
[01:04:38.160 --> 01:04:42.160]  Will you give us the rundown on that, Steve?
[01:04:42.160 --> 01:04:50.160]  Sure, throughout the course of doing what we do for a living, we look very much like yourself
[01:04:50.160 --> 01:04:54.160]  We keep an eye on case law, court records
[01:04:54.160 --> 01:05:02.160]  There was an individual that we know sent us a couple of very interesting cases
[01:05:02.160 --> 01:05:10.160]  That was Richard John Florence, Jr. v. State of Texas
[01:05:10.160 --> 01:05:18.160]  This was out of the Fifth District Court of Appeals in Dallas and another very similar case
[01:05:18.160 --> 01:05:25.160]  Out of Houston, the 14th District Court of Appeals
[01:05:25.160 --> 01:05:35.160]  In where these homeowners had already filed a suit of some kind, I believe they were both pro se litigants
[01:05:35.160 --> 01:05:54.160]  They filed a suit and then as somebody apparently tipped them off to this little very obscure blip in the Texas government code under section 51.903
[01:05:54.160 --> 01:05:58.160]  These two homeowners successfully filed their cases
[01:05:58.160 --> 01:06:06.160]  The gentleman there in Dallas, man, he really went through the ringer on his, but he set some good case law
[01:06:06.160 --> 01:06:15.160]  My hats off to these people, but since this remedy is so obscure and so very little known
[01:06:15.160 --> 01:06:23.160]  I know in conversations that I've had with attorneys, it doesn't seem to ring a bell because it's not in the property code
[01:06:23.160 --> 01:06:31.160]  You would think that you had looked for property remedies in the property codes, but this addresses leans on real or personal property
[01:06:31.160 --> 01:06:42.160]  What this section of Texas code allows is for a debtor or obligor to file a motion
[01:06:42.160 --> 01:06:54.160]  And the statute gives you an example of what the court wants to see, there's a statutory motion within the body of this and also finding facts and conclusions
[01:06:54.160 --> 01:07:05.160]  States that the debtor or obligor, if they have reason to believe that the lean instruments filed in the county records are fraudulent
[01:07:05.160 --> 01:07:20.160]  Then they can put these instruments and whatever other documents that they've got attached to a motion and ask the court in an ex parte judicial review
[01:07:20.160 --> 01:07:28.160]  This is very important. An ex parte, if you're not aware, means that one of the parties is not there
[01:07:28.160 --> 01:07:38.160]  Now I'd like to bring up the point that every jurisdiction on the face of this continental United States has an ex parte judicial review process
[01:07:38.160 --> 01:07:46.160]  For example, if you get pulled over and you get a ticket and you sign that promise to appear and you don't appear
[01:07:46.160 --> 01:08:00.160]  Some law enforcement agency is going to take documentation to the court for a review of this documentation to show that that individual did not appear
[01:08:00.160 --> 01:08:06.160]  Can we issue an arrest warrant? Sure can, here you go
[01:08:06.160 --> 01:08:12.160]  The guy who got the ticket is not there, that is an ex parte judicial review of sorts
[01:08:12.160 --> 01:08:33.160]  Now, in the same manner, once you have evidence that you can take to the court and or have an attorney take to the court and have the judge view this evidence along with those lean documents or instruments
[01:08:33.160 --> 01:08:45.160]  And ask one simple question, you're not asking for money, you're not asking for anything but the answer to a simple question, do these documents and instruments based on what you've got in front of you, your honor
[01:08:45.160 --> 01:08:52.160]  Do they create a valid lien?
[01:08:52.160 --> 01:09:06.160]  The first client that we had after we discovered this process sought counsel but for some reason did not hire counsel but filed his motion himself
[01:09:06.160 --> 01:09:25.160]  And from the time he came in and paid us for our services to the time that he got a judgment from the court in the manner of the statutory finding of facts and conclusions in regard to a lien or claim on a real or personal property
[01:09:25.160 --> 01:09:37.160]  The court found that the documents and instruments attached to the motion that being the D to trust and everything else that was filed in the county records did not create a valid lien
[01:09:37.160 --> 01:09:45.160]  Now, what documents and instruments does a bank use to foreclose on you Randy?
[01:09:45.160 --> 01:09:58.160]  They use an assignment of substitute trustee that you say based upon the trust in all writers
[01:09:58.160 --> 01:10:06.160]  Well, you just had a court of law say that these do not create a valid lien, now what's the bank going to do?
[01:10:06.160 --> 01:10:09.160]  They're going to have to figure out how to create a valid lien
[01:10:09.160 --> 01:10:16.160]  The next question was, oh really, can they? There's only one set of documents that that guy signed and those don't create a valid lien
[01:10:16.160 --> 01:10:25.160]  Well, you're talking about the true documents in the record
[01:10:25.160 --> 01:10:26.160]  That's right
[01:10:26.160 --> 01:10:28.160]  Oh, insufficient
[01:10:28.160 --> 01:10:34.160]  The D to trust in the writers, you've got evidence in front of the court of law showing what's wrong with those records
[01:10:34.160 --> 01:10:41.160]  What's wrong with the D to trust? What's wrong with the note? It's all based upon lies and deceit
[01:10:41.160 --> 01:10:45.160]  It does not create a valid lien
[01:10:45.160 --> 01:10:51.160]  There are breaches of contract, there's also criminal aspects that are raised by the PIs as well
[01:10:51.160 --> 01:10:58.160]  It is under Texas government code section 51.904, the next one in line
[01:10:58.160 --> 01:11:07.160]  states clearly that the clerk of the court shall post a sign stating that it is against the law to file fraudulent documents in the county records
[01:11:07.160 --> 01:11:15.160]  Yet, somebody ignored the sign, marched their happy little behind in there and said, here, I want to record this note and D to trust
[01:11:15.160 --> 01:11:22.160]  They filed fraudulent documents into the county records
[01:11:22.160 --> 01:11:33.160]  Besides that, and when you look at the foreclosure documents, you find all kinds of fraud in the foreclosure documents due to the Roblo signer issue
[01:11:33.160 --> 01:11:45.160]  It's fraud for somebody to take upon themselves, or it's fraud, but I was looking for another term
[01:11:45.160 --> 01:11:57.160]  When somebody takes upon themselves a false or fictitious title such as a VP of MERS, VP of Chase Bank, that's forgery
[01:11:57.160 --> 01:12:03.160]  It's a form of forgery, so there's another felony crime right there that can be raised
[01:12:03.160 --> 01:12:09.160]  Now the judge has got to do something, somebody's got to do something about this
[01:12:09.160 --> 01:12:13.160]  This sounds like something that's a lot easier for the court to adjudicate
[01:12:13.160 --> 01:12:14.160]  Absolutely
[01:12:14.160 --> 01:12:22.160]  And instead of throwing everything out, they make them a finer, more pointed ruling
[01:12:22.160 --> 01:12:23.160]  Yes
[01:12:23.160 --> 01:12:34.160]  I like this. Now, you said something about issues that sounded like they went to predatory lending practices
[01:12:34.160 --> 01:12:35.160]  Absolutely
[01:12:35.160 --> 01:12:46.160]  Are you making these claims based on predatory lending practices as rendering the lien invalid?
[01:12:46.160 --> 01:12:56.160]  Well, there's several issues that come up beside the misdemeanor and criminal acts in civil torts
[01:12:56.160 --> 01:13:08.160]  Generally, the auditors will find multiple violations, I've seen anywhere from 3 to 11 violations of the Truth in Lending Act
[01:13:08.160 --> 01:13:17.160]  I've seen anywhere from 2 to, I'm sorry, 1 to 9 real estate settlement procedures violations
[01:13:17.160 --> 01:13:25.160]  13 to 15 predatory lending violations, breach of contract, breach of fiduciary duty, breach of implied covenant of good faith
[01:13:25.160 --> 01:13:35.160]  and fair dealing, where applicable, civil conspiracy, unjust enrichment, unconscionability, you name it, it's there
[01:13:35.160 --> 01:13:44.160]  Yeah, but a lot of these, like unconscionability, that goes to a lot more vague issue
[01:13:44.160 --> 01:13:45.160]  It does
[01:13:45.160 --> 01:13:48.160]  Breach of fiduciary duty, that one also
[01:13:48.160 --> 01:13:55.160]  Well, I'm not an attorney, but unconscionability would fall under fraud by nondisclosure
[01:13:55.160 --> 01:14:02.160]  It would be unconscionable to hold somebody to an element of a contract that was not disclosed and that falls under
[01:14:02.160 --> 01:14:04.160]  No, that wouldn't go to unconscionability
[01:14:04.160 --> 01:14:15.160]  Unconscionability would go to where an element is put into the contract that benefits one party to the exclusion of another
[01:14:15.160 --> 01:14:20.160]  Fraud by nondisclosure, that one is a big one
[01:14:20.160 --> 01:14:23.160]  Yes, the other party
[01:14:23.160 --> 01:14:25.160]  That's a common one as well
[01:14:25.160 --> 01:14:33.160]  Yes, if the other party never reveals anything, they invoke no duty to reveal
[01:14:33.160 --> 01:14:37.160]  But if they give you any information
[01:14:37.160 --> 01:14:39.160]  They gotta give it all
[01:14:39.160 --> 01:14:40.160]  They gotta give it all
[01:14:40.160 --> 01:14:45.160]  Invokes that duty and that one would be a big one
[01:14:45.160 --> 01:14:53.160]  But these are kinds of issues that would not go to essentially summary judgment
[01:14:53.160 --> 01:15:03.160]  That's what we're asking the judge for is a summary issue where he can look at it and say this is clear
[01:15:03.160 --> 01:15:13.160]  The facts are clear enough on their face, for instance, if you come in and say, I have this signature here
[01:15:13.160 --> 01:15:18.160]  And then I have this transcript of a conversation with the company
[01:15:18.160 --> 01:15:24.160]  Personnel department where I made a request for personnel records concerning this person
[01:15:24.160 --> 01:15:29.160]  And was informed by personnel that this person is not an employee of the company
[01:15:29.160 --> 01:15:32.160]  Never has been an employee of the company
[01:15:32.160 --> 01:15:43.160]  Now the judge has hard evidence, he can say, based on this evidence, I can make this ruling
[01:15:43.160 --> 01:15:48.160]  These are the kinds of things that this is where I'm looking in the court record
[01:15:48.160 --> 01:15:56.160]  And you are the one that got me to start looking here because of this issue
[01:15:56.160 --> 01:16:10.160]  The courts of the state has a genuine interest in valid records being accurate
[01:16:10.160 --> 01:16:11.160]  Absolutely
[01:16:11.160 --> 01:16:20.160]  So without regard to the litigants, the records that the court is keeping, if they're not valid, they're worthless
[01:16:20.160 --> 01:16:25.160]  So now you can bring the judge in with an interest beyond the parties
[01:16:25.160 --> 01:16:32.160]  Yes, absolutely. By somebody filing fraudulent documents into your county's records
[01:16:32.160 --> 01:16:35.160]  It's compromised the integrity of the public trust
[01:16:35.160 --> 01:16:36.160]  Absolutely
[01:16:36.160 --> 01:16:39.160]  Just got a duty to uphold that integrity
[01:16:39.160 --> 01:16:43.160]  It's an important issue that doesn't have anything to do with parties
[01:16:43.160 --> 01:16:45.160]  It goes beyond the parties
[01:16:45.160 --> 01:16:48.160]  That's why I like that kind of issue
[01:16:48.160 --> 01:16:49.160]  Yes
[01:16:49.160 --> 01:16:51.160]  Even if you can't get through it
[01:16:51.160 --> 01:16:52.160]  It's clean
[01:16:52.160 --> 01:16:55.160]  Exactly
[01:16:55.160 --> 01:17:00.160]  When we come back on the other side, we'll only talk about it
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[01:18:58.160 --> 01:19:22.160]  affordable, private, perfect
[01:19:22.160 --> 01:19:51.160]  If anyone is listening on the listener line, if you have a computer and you can stream our signal, we would very much appreciate
[01:19:51.160 --> 01:20:00.160]  Because our listener line is full and it's running over and people are calling in on the caller line because they can't get in on the listener line
[01:20:00.160 --> 01:20:09.160]  So if you can, if you can stream us on the internet, that will help us as well because it gets our internet numbers up
[01:20:09.160 --> 01:20:18.160]  And it gives us more clout with our advertisers and I can get more donations to Randy Spear Fund
[01:20:18.160 --> 01:20:22.160]  Man has to keep his priorities straight
[01:20:22.160 --> 01:20:25.160]  Okay, we were talking about...
[01:20:25.160 --> 01:20:28.160]  I thought you preferred Ron, Randy
[01:20:28.160 --> 01:20:33.160]  No, actually I'm making a little change on the beer side
[01:20:33.160 --> 01:20:36.160]  Oh, are you? It has been a while since we talked
[01:20:36.160 --> 01:20:39.160]  Well, I'm moving from the barley to the root
[01:20:39.160 --> 01:20:43.160]  Okay, the root beer, gotcha
[01:20:43.160 --> 01:20:47.160]  Not a bad move
[01:20:47.160 --> 01:20:56.160]  We were talking about how to use the district court in a way that's not quite so onerous
[01:20:56.160 --> 01:20:59.160]  You know, that's one of the things we tried to do in the UD court
[01:20:59.160 --> 01:21:08.160]  Is give the UD court the justice of the peace a reason to say I don't have authority to make these rules
[01:21:08.160 --> 01:21:10.160]  That's why we make a challenge title
[01:21:10.160 --> 01:21:16.160]  But they have been reluctant to rule in our favor and I expect that's going to get better
[01:21:16.160 --> 01:21:21.160]  As more bad news comes out against these guys
[01:21:21.160 --> 01:21:26.160]  And especially if I can get more people to start filing criminally against these judges
[01:21:26.160 --> 01:21:31.160]  But I may go with that on the next segment
[01:21:31.160 --> 01:21:40.160]  But in the local courts, I'm looking for issues we can bring to the local court
[01:21:40.160 --> 01:21:48.160]  I'm looking at a case here that was foreclosed on in O5
[01:21:48.160 --> 01:21:55.160]  And I go back and look in the record and there is no assignment of substitute trustee in the record
[01:21:55.160 --> 01:21:57.160]  Uh-oh
[01:21:57.160 --> 01:22:02.160]  This guy just came down to the courthouse steps and sold the property
[01:22:02.160 --> 01:22:04.160]  He said he could and he just sold it
[01:22:04.160 --> 01:22:10.160]  And there isn't, there was never an assignment filed and looking through the records here in Wise County
[01:22:10.160 --> 01:22:15.160]  I'm not finding any assignments of substitute trustee
[01:22:15.160 --> 01:22:16.160]  Interesting
[01:22:16.160 --> 01:22:22.160]  So they may all be bogus
[01:22:22.160 --> 01:22:27.160]  So these are things you can come back to the court and say
[01:22:27.160 --> 01:22:38.160]  The individual where you can get them into court is, as you can say, when they went for a UD hearing
[01:22:38.160 --> 01:22:47.160]  Or when they filed in the court record, they had no standing to make this filing
[01:22:47.160 --> 01:22:54.160]  Because in order to do the foreclosure, they had to file notice of the foreclosure in the court record
[01:22:54.160 --> 01:22:59.160]  But they had no standing to file the document in the court record
[01:22:59.160 --> 01:23:09.160]  Because they weren't assigned the substitute trustee, there was no assignment in there that I could go look at
[01:23:09.160 --> 01:23:15.160]  And then test the assignment to see if it valid
[01:23:15.160 --> 01:23:17.160]  Not even there
[01:23:17.160 --> 01:23:27.160]  And the Ibanez case, they had filed the substitute trustee, was assigned his trustee 30 days after foreclosure
[01:23:27.160 --> 01:23:29.160]  Too late
[01:23:29.160 --> 01:23:36.160]  Too late, we had another one that was assigned trustee five days after he started the foreclosure proceedings
[01:23:36.160 --> 01:23:46.160]  Also too late, he had to have an agency standing in capacity
[01:23:46.160 --> 01:23:52.160]  When he took the first action, when he made the claim
[01:23:52.160 --> 01:23:59.160]  This is one of the things that we're doing to test agencies standing in capacity
[01:23:59.160 --> 01:24:05.160]  We say, even if the guys are trying to foreclose the name or have foreclosed the name
[01:24:05.160 --> 01:24:11.160]  The first thing we do is we do not stipulate to anything
[01:24:11.160 --> 01:24:21.160]  We say, we received this notice from this company claiming that we owe them this much money
[01:24:21.160 --> 01:24:24.160]  Who the heck are you?
[01:24:24.160 --> 01:24:29.160]  I don't know you, I never ended into a contract with you
[01:24:29.160 --> 01:24:33.160]  I say that, even forgot the contract in my hand
[01:24:33.160 --> 01:24:40.160]  Because in law, if someone makes a proactive claim
[01:24:40.160 --> 01:24:47.160]  The person against whom the claim is made has no duty to rebut the claim
[01:24:47.160 --> 01:24:57.160]  Until the claim has been demonstrated, until prima facie evidence has been presented
[01:24:57.160 --> 01:25:05.160]  Until enough evidence has been presented to give a reasonable person cause to believe that this person is who they say they are
[01:25:05.160 --> 01:25:14.160]  There is a debt obligation that the person claimed to owe the debt actually does owe that debt
[01:25:14.160 --> 01:25:21.160]  And that the person making the claim has the agency standing in capacity to demand payment
[01:25:21.160 --> 01:25:25.160]  Until that's done, I have no duty to admit that a loan exists
[01:25:25.160 --> 01:25:36.160]  We had someone go into court recently and tell the judge, every time the judge asks him anything about the loan he'd say, I don't know anything about a loan
[01:25:36.160 --> 01:25:39.160]  And under law that was actually true
[01:25:39.160 --> 01:25:46.160]  He did know that somebody was claiming authority to collect on a debt
[01:25:46.160 --> 01:25:52.160]  And he did know that he had a loan against the property
[01:25:52.160 --> 01:25:56.160]  But he didn't give it to these people
[01:25:56.160 --> 01:26:03.160]  And he just assumed that they were trying to collect the loan that he knew he had
[01:26:03.160 --> 01:26:10.160]  He didn't know that for sure, so if he didn't know it for sure he didn't know it at all
[01:26:10.160 --> 01:26:14.160]  So that's why he could say he doesn't know anything about a loan
[01:26:14.160 --> 01:26:19.160]  And do that until they prove it, so that's the first thing and this is where we want to go
[01:26:19.160 --> 01:26:24.160]  Well, there's another similar issue that cropped up in Casey and Travis County
[01:26:24.160 --> 01:26:31.160]  That we saw that was very similar to the first issue that you were talking about with the release of lien
[01:26:31.160 --> 01:26:37.160]  This guy refinanced two or three times
[01:26:37.160 --> 01:26:48.160]  But the original lease of lien was never filed until after the foreclosure started
[01:26:48.160 --> 01:27:00.160]  How could they have refinanced the second or third time if they didn't have a release of lien from the first original loan?
[01:27:00.160 --> 01:27:02.160]  These are all kinds of issues that come up
[01:27:02.160 --> 01:27:08.160]  I don't know if that was a deciding factor in the judge's eye or not
[01:27:08.160 --> 01:27:13.160]  But many, many issues
[01:27:13.160 --> 01:27:17.160]  Two years ago this probably wouldn't have got us very far
[01:27:17.160 --> 01:27:20.160]  But this is not two years ago
[01:27:20.160 --> 01:27:28.160]  The climate has changed and these local judges are elected
[01:27:28.160 --> 01:27:33.160]  The sleeping giant is awake and he is not happy camper
[01:27:33.160 --> 01:27:40.160]  Well, there's no way the courts can ignore the rampant fraud that's taking place
[01:27:40.160 --> 01:27:48.160]  There's no where you can turn anymore, Randy, where this is not in the mainstream media
[01:27:48.160 --> 01:27:52.160]  Naturally, there's got to be a reaction from the courts
[01:27:52.160 --> 01:27:58.160]  And like you say, they're either ready to retire or they want to be re-elected
[01:27:58.160 --> 01:28:01.160]  One or the other
[01:28:01.160 --> 01:28:07.160]  And the ones that are ready to retire, I'm ready to start retiring
[01:28:07.160 --> 01:28:10.160]  There's criminal complaints to the grand jury against it
[01:28:10.160 --> 01:28:14.160]  Oh, those are the ones that are not ready to retire and don't know about it yet
[01:28:14.160 --> 01:28:18.160]  Yeah, I want to retire them anyway
[01:28:18.160 --> 01:28:21.160]  It's time, these judges have been doing this
[01:28:21.160 --> 01:28:30.160]  It's time to quit appealing their actions to the court of appeals and start appealing their actions to a grand jury
[01:28:30.160 --> 01:28:37.160]  It wouldn't be fair to say, though, that all judges out there are corrupt
[01:28:37.160 --> 01:28:40.160]  No, some are dead
[01:28:40.160 --> 01:28:43.160]  They said some are dead
[01:28:43.160 --> 01:28:47.160]  I agree with you, they're not
[01:28:47.160 --> 01:28:54.160]  We have to have good judges and when we have good judges, we're not going to be having to do these things to them
[01:28:54.160 --> 01:28:59.160]  When you're fortunate enough to get in front of a good judge, all he needs is one hook
[01:28:59.160 --> 01:29:03.160]  One nail to hang his hat on
[01:29:03.160 --> 01:29:08.160]  If you can give him his choice of 50, all the better
[01:29:08.160 --> 01:29:18.160]  Absolutely, this is what your company will give us, the nails we need to nail their coffins
[01:29:18.160 --> 01:29:21.160]  Exactly
[01:29:21.160 --> 01:29:30.160]  I wanted to point out too that though we do bring to mind to clients and representative counsel
[01:29:30.160 --> 01:29:37.160]  that there is a possible remedy there in section 51903 of the government code
[01:29:37.160 --> 01:29:41.160]  By no way is that limiting anybody to their choices of remedy
[01:29:41.160 --> 01:29:44.160]  There are several remedies out there, this is just one of many
[01:29:44.160 --> 01:29:48.160]  But the reason we bring it to mind is because it's so obscure
[01:29:48.160 --> 01:29:52.160]  Okay, this is Randy Kelk, devastated at Craig River Radio
[01:29:52.160 --> 01:29:58.160]  Calling lines, I mean they're calling lines open, 512646 in 1984
[01:30:00.160 --> 01:30:07.160]  A noble lie, Oklahoma City 1995 will change forever the way you look at the true nature of terrorism
[01:30:07.160 --> 01:30:11.160]  Based on the damage patting to the building, but the government sends impossible
[01:30:11.160 --> 01:30:14.160]  The grand jury did not want to hear anything I had to say
[01:30:14.160 --> 01:30:18.160]  The decisions made not to pursue any more of those individuals
[01:30:18.160 --> 01:30:22.160]  Some of these columns were ripped up, shredded, tossed around
[01:30:22.160 --> 01:30:26.160]  The people that did the things they did knew doggone well what they were doing
[01:30:26.160 --> 01:30:30.160]  Expose the cover up now at anoblelie.com
[01:30:32.160 --> 01:30:36.160]  Sticks and stones may break my bones, but names will never hurt me
[01:30:36.160 --> 01:30:38.160]  Whoever came up with that was sure wrong
[01:30:38.160 --> 01:30:46.160]  I'm Dr. Catherine Albert and I'll be back in a moment to explain how your first, middle and last names can actually affect your mortality
[01:30:46.160 --> 01:30:51.160]  Privacy is under attack, when you give up data about yourself you'll never get it back again
[01:30:51.160 --> 01:30:56.160]  And once your privacy is gone, you'll find your freedoms will start to vanish too
[01:30:56.160 --> 01:31:01.160]  So protect your rights, say no to surveillance and keep your information to yourself
[01:31:01.160 --> 01:31:04.160]  Privacy, it's worth hanging on to
[01:31:04.160 --> 01:31:08.160]  This public service announcement is brought to you by StartPage.com
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[01:31:15.160 --> 01:31:19.160]  The initials of your name could significantly impact how long you live
[01:31:19.160 --> 01:31:25.160]  According to a University of California study, positive initials like VIP or ACE
[01:31:25.160 --> 01:31:28.160]  Could add more than four years to a man's life
[01:31:28.160 --> 01:31:33.160]  Negative initials like PIG or DIE could shorten a man's life by two years
[01:31:33.160 --> 01:31:39.160]  While women are less impacted by negative initials than men, positive initials can add three years to their lives
[01:31:39.160 --> 01:31:45.160]  Researchers believe initials are powerful symbols that affect how people are treated and how they feel about themselves
[01:31:45.160 --> 01:31:47.160]  And research supports it
[01:31:47.160 --> 01:31:53.160]  Those with negative initials were more likely to commit suicide and die in accidents than those with positive initials
[01:31:53.160 --> 01:31:55.160]  So name your kids well
[01:31:55.160 --> 01:32:03.160]  Dr. Catherine Albrecht, more news and information at CatherineAlbrecht.com
[01:32:26.160 --> 01:32:32.160]  The way kids come with temptations
[01:32:32.160 --> 01:32:37.160]  They're trying to buy the whole place
[01:32:37.160 --> 01:32:43.160]  They want a voice in the nation
[01:32:43.160 --> 01:32:48.160]  Okay, we're back, Randy Kelton and Debra Steele, David Craig with my radio
[01:32:48.160 --> 01:32:53.160]  This is, we're talking to Steve Skidmore
[01:32:53.160 --> 01:32:57.160]  Debra said I couldn't call him Steve Skidmore anymore
[01:32:57.160 --> 01:32:59.160]  So why not?
[01:32:59.160 --> 01:33:01.160]  She thought it lasted
[01:33:01.160 --> 01:33:07.160]  I went all through junior high with it, why should it change?
[01:33:07.160 --> 01:33:12.160]  Okay, we were talking about the remedies
[01:33:12.160 --> 01:33:16.160]  More remedies right now than we can keep up with
[01:33:16.160 --> 01:33:23.160]  The one we're going with, we have two major remedies that are always there
[01:33:23.160 --> 01:33:27.160]  One of them is who are you?
[01:33:27.160 --> 01:33:46.160]  Yes, a debtor makes a claim against the creditor that the debtor does not intend to carry out or does not have the authority to carry out
[01:33:46.160 --> 01:33:53.160]  That's a violation of 15 U.S. Code 1692G
[01:33:53.160 --> 01:33:58.160]  It's a very specific civil rights violation and it gets you into the federal courts
[01:33:58.160 --> 01:34:01.160]  And so far it's been sticking us in there
[01:34:01.160 --> 01:34:10.160]  And what we're maintaining is that you made this claim, this threat of an action
[01:34:10.160 --> 01:34:19.160]  If we didn't perform some type of response, if we didn't do something in particular
[01:34:19.160 --> 01:34:26.160]  If we maintain you have no authority to take the action you claim you're going to take
[01:34:26.160 --> 01:34:28.160]  So prove it
[01:34:28.160 --> 01:34:30.160]  Like a standing
[01:34:30.160 --> 01:34:37.160]  That stand is at agency first, if there are law firms, we like to sue the law firms
[01:34:37.160 --> 01:34:40.160]  If there are law firms, then we go for agency first
[01:34:40.160 --> 01:34:49.160]  The only way they can prove agency is to prove that their client has standing and capacity
[01:34:49.160 --> 01:34:52.160]  The first one we did was Wells Fargo
[01:34:52.160 --> 01:34:56.160]  The lawyers are suing for Wells Fargo and it was clear in their answer
[01:34:56.160 --> 01:35:03.160]  They're thinking, holy crap, what if Wells Fargo can't prove upstanding?
[01:35:03.160 --> 01:35:08.160]  These guys didn't sue Wells Fargo, they sued us
[01:35:08.160 --> 01:35:13.160]  If Wells Fargo can't prove it up, we can't screw not them
[01:35:13.160 --> 01:35:15.160]  Good point
[01:35:15.160 --> 01:35:23.160]  And they had no, their time in responding was not billable hours
[01:35:23.160 --> 01:35:29.160]  Because we didn't sue the client, we sued them, so they had to answer themselves
[01:35:29.160 --> 01:35:34.160]  So this part is working good and this goes to this very issue of show me the note
[01:35:34.160 --> 01:35:36.160]  Standing and capacity
[01:35:36.160 --> 01:35:43.160]  Standing, show me the note, show me the complete line of wholenesship of the note
[01:35:43.160 --> 01:35:50.160]  By way of valid assignments from the original lender
[01:35:50.160 --> 01:35:54.160]  And one of the things I started to mention earlier, and that's why I've taken a mistake
[01:35:54.160 --> 01:36:01.160]  Was that often we're finding that the original lender went bankrupt
[01:36:01.160 --> 01:36:06.160]  And did not do the proper assignment before going out of business
[01:36:06.160 --> 01:36:12.160]  Okay, so point, oh, what is that bank that went out of business?
[01:36:12.160 --> 01:36:13.160]  WAMU?
[01:36:13.160 --> 01:36:17.160]  No, the other one that Bank of America absorbed, Countrywide
[01:36:17.160 --> 01:36:20.160]  Countrywide, yep
[01:36:20.160 --> 01:36:29.160]  Okay, it's appropriate that we should go after them and this is why
[01:36:29.160 --> 01:36:36.160]  I have an article by a preeminent economist who's real knowledgeable in this area
[01:36:36.160 --> 01:36:43.160]  What he's saying was happening that, you know, during the boom when everybody's making a fortune
[01:36:43.160 --> 01:36:47.160]  All these mortgage companies are going bankrupt
[01:36:47.160 --> 01:36:50.160]  What the heck is going on?
[01:36:50.160 --> 01:36:56.160]  Well, what he's saying is happening is that the special purpose vehicle
[01:36:56.160 --> 01:37:02.160]  These people get together and they create funding to put together a special purpose vehicle
[01:37:02.160 --> 01:37:08.160]  Which they will then file into the IRS as a real estate mortgage investment conduit
[01:37:08.160 --> 01:37:15.160]  One of these big investment pools, a remick
[01:37:15.160 --> 01:37:16.160]  Yes, a remick
[01:37:16.160 --> 01:37:22.160]  So they'd get this money together and then they would go open a mortgage company
[01:37:22.160 --> 01:37:29.160]  And they would create these predatory loans, these high profit loans
[01:37:29.160 --> 01:37:36.160]  And then sell them to this special purpose vehicle at a loss
[01:37:36.160 --> 01:37:45.160]  So the profit on the loan gets written off in the loss on the sale and then the mortgage company goes bankrupt
[01:37:45.160 --> 01:37:53.160]  And this was the way that the special purpose vehicles were using to hide the profits and defraud the IRS
[01:37:53.160 --> 01:37:57.160]  But bankrupt in all of these mortgage companies
[01:37:57.160 --> 01:38:01.160]  That's not the only way the IRS is defrauded, there's another way
[01:38:01.160 --> 01:38:04.160]  Yeah, I know about that, are you going to the 1099A?
[01:38:04.160 --> 01:38:05.160]  Yep
[01:38:05.160 --> 01:38:17.160]  Okay, in this case, this is a specific ploy on part of them to bankrupt these mortgage companies
[01:38:17.160 --> 01:38:23.160]  So it's appropriate that we go back and say, well, you pulled this crap owner
[01:38:23.160 --> 01:38:26.160]  But you didn't get all your pieces in place
[01:38:26.160 --> 01:38:31.160]  Before you bankrupted this company, you should have done some assignments, Bubba
[01:38:31.160 --> 01:38:33.160]  But you didn't
[01:38:33.160 --> 01:38:36.160]  Now the company's gone
[01:38:36.160 --> 01:38:39.160]  Now there's no way to do the assignment
[01:38:39.160 --> 01:38:47.160]  Well, there's another way they can prove up the chain of title and that is to produce the original with all of the elonges and all of the endorsements
[01:38:47.160 --> 01:38:49.160]  Okay, that's what I'm saying
[01:38:49.160 --> 01:38:54.160]  The original didn't do the assignment, so they're not going to get all the endorsements
[01:38:54.160 --> 01:38:55.160]  Right
[01:38:55.160 --> 01:38:59.160]  There's the break, I'm an engineer
[01:38:59.160 --> 01:39:02.160]  And engineers collect connective dots
[01:39:02.160 --> 01:39:04.160]  There's a dot
[01:39:04.160 --> 01:39:07.160]  Yeah, these two dots don't connect it
[01:39:07.160 --> 01:39:11.160]  You know, Mother Nature has all these laws
[01:39:11.160 --> 01:39:16.160]  And she enforces every single one of them, I can't miss one
[01:39:16.160 --> 01:39:22.160]  So when I look at these chains of evidence, they have to connect every one of the dots
[01:39:22.160 --> 01:39:27.160]  And with that mortgage company out of business, they can't go back and fix it
[01:39:27.160 --> 01:39:32.160]  That's gone, that's over, their opportunity has passed, that door closed
[01:39:32.160 --> 01:39:36.160]  And this is one of the places that we look, we look for that first assignment
[01:39:36.160 --> 01:39:42.160]  And then, I was just looking at Fannie Mae Freddie Mac's site
[01:39:42.160 --> 01:39:49.160]  And they have a place on there where you can go in and find the pool that your loan is in
[01:39:49.160 --> 01:39:56.160]  So that wasn't, if you can find the pool, you need the QCIP number, you can find the very QCIP number
[01:39:56.160 --> 01:40:01.160]  If you can find the pool, we know what's happened to the pool
[01:40:01.160 --> 01:40:05.160]  So that'll give us a lot of the information we need, but we started at the beginning
[01:40:05.160 --> 01:40:08.160]  It was the very first place to start those documents
[01:40:08.160 --> 01:40:15.160]  The first thing is, and that goes to agency, standing, and then capacity, capacity
[01:40:15.160 --> 01:40:19.160]  For those who aren't familiar with that term
[01:40:19.160 --> 01:40:32.160]  Standing means they actually can prove that they are the true and proper holder of the note by way of a complete chain of holy ship of the note
[01:40:32.160 --> 01:40:36.160]  Now they have to prove they have capacity
[01:40:36.160 --> 01:40:43.160]  If you have demanded production of the original security instrument and they have not produced the original security instrument
[01:40:43.160 --> 01:40:51.160]  They are statutorily stopped from collecting on the note, they don't have capacity
[01:40:51.160 --> 01:40:57.160]  If they were required to make filings with the clerk of the court and they did not, they don't have capacity
[01:40:57.160 --> 01:41:04.160]  If they secured the note by fraud and deception, they don't have capacity
[01:41:04.160 --> 01:41:17.160]  So they have to prove up agency to represent the principle, then the principle must prove up standing and capacity
[01:41:17.160 --> 01:41:23.160]  Now the agency cannot be proved out of the mouth of the agent, it must be proved out of the mouth of the principle
[01:41:23.160 --> 01:41:35.160]  So the reason you go after the attorney is when an attorney makes a claim for a client, he cannot rely on the veracity of the client
[01:41:35.160 --> 01:41:42.160]  He must investigate the claim himself because he's responsible for the claims he brings to the court
[01:41:42.160 --> 01:41:46.160]  And that's why we see the lawyer first if we can
[01:41:46.160 --> 01:41:55.160]  The second one are the fees that they charge, that is the second really major elephant in the corner
[01:41:55.160 --> 01:42:05.160]  We have over 500 suits out there and we have claimed every single fee they charged was garbage
[01:42:05.160 --> 01:42:17.160]  All of them were bogus and Steve, guess how many of these over 500 suits, how many particular fees have been proved up?
[01:42:17.160 --> 01:42:21.160]  Very few, if any I would dare say
[01:42:21.160 --> 01:42:23.160]  Zero
[01:42:23.160 --> 01:42:30.160]  Not ever that first one because they do not dare
[01:42:30.160 --> 01:42:35.160]  They do everything they can to not even talk about this issue
[01:42:35.160 --> 01:42:39.160]  They argue about everything else and never speak to this issue
[01:42:39.160 --> 01:42:46.160]  So the way we're doing it, we file this first suit, when that gets ruled against, which we expect everything to get ruled against
[01:42:46.160 --> 01:42:49.160]  Then we come back with the second suit
[01:42:49.160 --> 01:42:55.160]  And the only thing we claim in the second suit are these fees
[01:42:55.160 --> 01:43:00.160]  We don't claim hope or tea to the rest but none of that stuff, just these false fees
[01:43:00.160 --> 01:43:07.160]  Then we move for discoveries to prove up the false fees so that we can take them to the grand jury
[01:43:07.160 --> 01:43:11.160]  Now is when we expect them to come to the table
[01:43:11.160 --> 01:43:21.160]  So in order to get there, the one thing everybody needs are facts and facts and more facts
[01:43:21.160 --> 01:43:23.160]  The more you can bring, the better off you are
[01:43:23.160 --> 01:43:28.160]  Exactly, if you're in a foreclosure situation or have foreclosures approaching
[01:43:28.160 --> 01:43:31.160]  Start doing your homework
[01:43:31.160 --> 01:43:34.160]  Start gathering your documents first
[01:43:34.160 --> 01:43:39.160]  Exactly, that's your homework, get down to the court record, get a copy of everything you're sending
[01:43:39.160 --> 01:43:41.160]  You don't need a copy of every single page
[01:43:41.160 --> 01:43:46.160]  The first thing you need is the docket list, the listing of everything that's been filed
[01:43:46.160 --> 01:43:49.160]  And get that certified by the court
[01:43:49.160 --> 01:43:55.160]  So you can show what was in there on this day and then give at least the first and last pages of the document
[01:43:55.160 --> 01:43:57.160]  To be the trust, you don't need them all
[01:43:57.160 --> 01:44:21.160]  Pretty cool, isn't it great?
[01:44:27.160 --> 01:44:34.160]  Jurisdictionary was created by a licensed attorney with 22 years of case winning experience.
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[01:45:01.160 --> 01:45:05.160]  Hey, did you hear? Ron Paul has announced he's running for president in 2012.
[01:45:05.160 --> 01:45:06.160]  It is Ron Paul.
[01:45:06.160 --> 01:45:12.160]  Really? Okay, put down the cell phone for one minute. Your friends really don't care about your Twitter updates on what you had for breakfast.
[01:45:12.160 --> 01:45:15.160]  Oh, but I love to make those little smiley faces with punctuation marks.
[01:45:15.160 --> 01:45:16.160]  Of course you do.
[01:45:16.160 --> 01:45:22.160]  Now, listen closely. You need to go down to Brave New Books and learn as much as you can about Ron Paul and his message before it's too late.
[01:45:22.160 --> 01:45:24.160]  They have all of his books and many of the books he talks about.
[01:45:24.160 --> 01:45:29.160]  They also have t-shirts, bumper stickers, and yard signs so that you can show your support for him during the campaign.
[01:45:29.160 --> 01:45:32.160]  Brave New Books? Do they have Harry Potter and Twilight?
[01:45:32.160 --> 01:45:38.160]  No, but they do carry a large selection of survival and preparedness books to protect your family in time of emergency.
[01:45:38.160 --> 01:45:41.160]  That sounds like that show on the Discovery Channel.
[01:45:41.160 --> 01:45:48.160]  Yeah, there's even a wilderness survival expert that teaches classes called Earth Skills School that you can sign up for on the website bravenewbookstore.com.
[01:45:48.160 --> 01:45:49.160]  What are you doing?
[01:45:49.160 --> 01:45:55.160]  I'm tweeting all my friends that they should go to bravenewbookstore.com or down to the bookstore in person. Where's it located?
[01:45:55.160 --> 01:45:57.160]  1904, Guadalupe Street.
[01:45:57.160 --> 01:45:59.160]  There, it's sent. I even made a smiley face.
[01:45:59.160 --> 01:46:12.160]  Great.
[01:46:29.160 --> 01:46:47.160]  Come on, come on, come on, come on.
[01:46:47.160 --> 01:47:00.160]  Hi, we are back. This is rule of law radio. I thought I'd pop in just so all listeners know I'm not dead and Randy hasn't tried to drown me somewhere.
[01:47:00.160 --> 01:47:10.160]  Oh, comments. I was trying to work, Randy. I was sitting here waiting to say, Eddie, I wish you'd hold it down and let somebody else talk.
[01:47:10.160 --> 01:47:17.160]  But I had a job at the past. Hi, gentlemen, continue on with this. Don't forget we do have a caller up on the board, however.
[01:47:17.160 --> 01:47:23.160]  Yes, I see it. There was one thing we talked about on the break.
[01:47:23.160 --> 01:47:33.160]  And I wanted Steve to talk about what to look for in the securities audit.
[01:47:33.160 --> 01:47:41.160]  Well, the securities audit, keep in mind these are very technical things. The securities auditor will use a Bloomberg terminal.
[01:47:41.160 --> 01:47:59.160]  The Bloomberg terminal is a program. What Bloomberg is, if nobody's heard of it or not familiar with it, what Bloomberg is, is a program that searches the securities pools through SEC, through other entities.
[01:47:59.160 --> 01:48:10.160]  And it is to the world of securities, to mortgage back securities, what Lexus Nexus is to case law.
[01:48:10.160 --> 01:48:18.160]  That's about as close an analogy as I can get. But the price is about the same, too.
[01:48:18.160 --> 01:48:38.160]  It's a very expensive program, but it's a very in-depth program. And the audits that we see come back from these auditors have screenshots of the Bloomberg terminal in the results of the audit showing what Bloomberg says, where this thing started out and where it went.
[01:48:38.160 --> 01:48:59.160]  Time it changed hands, when it changed hands, whose hands it changed. And what one might do is go to the county record and go through this flow chart, that there's also literally a flow chart that shows the succession of each chain of hands throughout the Bloomberg search.
[01:48:59.160 --> 01:49:27.160]  Now, each party that has touched this thing is represented in the flow chart by their own box. Their name will be in that box, and there will be an arrow between each box showing that it went, okay, let's say it started at ABC Bank and then XYZ Bank bought it and then it was transferred to Wells and then it was transferred to Wamoo and then it was transferred and transferred.
[01:49:27.160 --> 01:49:43.160]  Between each one of these transfers, there is an arrow. There should be an assignment of conveyance in the county records. Everywhere there is an arrow. The first one that comes up that's missing, that's your first break.
[01:49:43.160 --> 01:50:06.160]  You usually count multiple breaks in a chain. Now, why is it so important to know where your mortgage is, who's got your mortgage, and how did they get it? How they got it? Why is it important how they got it? Well, there's statute that says that you've got to keep track of this thing.
[01:50:06.160 --> 01:50:27.160]  If there's a statutory mandate, then by not adhering to that mandate, that's ammunition in your litigation gun, so to speak. If there's no way to track where your note and deed of trust are and keep in mind they're supposed to go together,
[01:50:27.160 --> 01:50:46.160]  there's no way of knowing if every party lawfully took possession of these documents. Now, I'm not quite old enough to remember, but I remember hearing stories about a mortgage burning. When somebody paid off their house, they got back those physical wet ink documents.
[01:50:46.160 --> 01:51:02.160]  They took physical possession of the documents they signed on the day that they allegedly borrowed money to buy that house. That's the evidence of an alleged debt. The note is anyway. But why is it important to get that?
[01:51:02.160 --> 01:51:19.160]  It's important to get that because your signature, being your property, created that instrument, that negotiable instrument called a note, that is your personal property. That personal property happens to have a face value very much like a check.
[01:51:19.160 --> 01:51:37.160]  It is very much like a check because it is a negotiable instrument with a face value that can be traded. Now, so long as that bearer instrument is out there, somebody can find it in a gutter, bring it to your front door and demand immediate payment on it.
[01:51:37.160 --> 01:51:50.160]  That's a bearer instrument. That's why it's so important to get that original wet ink document back upon satisfaction of the note, either by full payment or by judgment.
[01:51:50.160 --> 01:52:09.160]  Now, I've brought up in a parking lot to Lubies to an attorney that I've got great respect for. I said, if that is my property, and let's say somebody in this successive chain destroyed that property or lost that property, is that not a felony crime?
[01:52:09.160 --> 01:52:21.160]  He said, oh my God, I never thought about it that way, but yeah, I have to look into it. That makes perfect sense. There's another felony you can throw on the table.
[01:52:21.160 --> 01:52:43.160]  That is an interesting approach because I'm certainly looking for ways to go after them. I think the thing that will really turn this over is when people start going to prosecuting attorneys and grand juries and demanding prosecution of these guys.
[01:52:43.160 --> 01:52:56.160]  Well, it's one thing to bring up civil torts. Civil torts, they've damaged you monetarily, but when you start bringing criminal aspects into these things, we should see a change in the landscape.
[01:52:56.160 --> 01:53:25.160]  Absolutely. It changes the whole landscape. And I'm considering picking up a couple of these that I can adjudicate myself. And when I can get the federal judge to render a ruling that fails to apply the law to the facts, then I go to a state grand jury and ask them to
[01:53:25.160 --> 01:53:48.160]  appeal to them instead of appealing to the Fifth Circuit. If you look in 903, you'll notice that 903, the very last sentence in 903C states, and if I can remember a quote, states, an appellate court shall expedite a review of the court's findings.
[01:53:48.160 --> 01:54:06.160]  In other words, under this section of Texas Code, an individual or a homeowner or a debtor or obligor, according to the code, can bring this motion to the court. And again, I'm not an attorney, but I've asked several of them and correct me if I'm wrong.
[01:54:06.160 --> 01:54:13.160]  I always ask them, please correct me if I'm wrong. Is that or is that not an automatic appeals process?
[01:54:13.160 --> 01:54:26.160]  And each attorney that I've ever spoken with is amazed because they've never seen an automatic appeals process written into the code, into statute.
[01:54:26.160 --> 01:54:43.160]  But that tells me that if the district judge doesn't get it, he's not going to feel too bad. Now, this is just my assumption. If the district judge doesn't want to sign off on this thing and it goes to the appeals court, it'll be remanded back to him.
[01:54:43.160 --> 01:54:49.160]  And he probably won't make the same mistake the second time.
[01:54:49.160 --> 01:55:04.160]  Yeah, that's what I hope. But, you know, these are going to be powerful tools. And, you know, in looking at this, the 1903 says, action on fraudulent lien.
[01:55:04.160 --> 01:55:21.160]  Well, that would imply that if the judge gives you a positive ruling in this instance, that would almost necessitate criminal prosecution of the offender.
[01:55:21.160 --> 01:55:33.160]  Well, it is a crime, according to 904. It is a crime to file fraudulent documents into the county records. Yes, sir. You're correct.
[01:55:33.160 --> 01:55:50.160]  So it would seem, and the other side of that is, is the judge who hears the case is not only a judge, he's also a magistrate.
[01:55:50.160 --> 01:56:03.160]  And a magistrate hasn't made known to him that a crime has been committed. He has a duty under Article 210 to keep the peace by all legal means.
[01:56:03.160 --> 01:56:17.160]  And I would want to know if he rules that this is fraudulent, I would think he would have a duty to, at the very least, impanel a court of inquiry.
[01:56:17.160 --> 01:56:36.160]  Well, again, you're talking about a perfect world scenario here. I don't know if that's been done yet, but it would stand to reason that by going through this process, you would certainly set the foundation upon which criminal allegations can be prosecuted.
[01:56:36.160 --> 01:56:54.160]  And it would also, since you're not, now again, I'm not a lawyer, I'm not trying to offer legal advice, this is just a legal theory, that since you're not, there's a couple of things that someone would have to look at under the section to protect their ex parte status.
[01:56:54.160 --> 01:57:06.160]  Number one, you don't want to make a, you might not want to make a declaratory action out of this, you're not asking for money damages, you're just asking for an answer to a question.
[01:57:06.160 --> 01:57:12.160]  There's something else here too, that in this code it says that it does not require any testimonial evidence.
[01:57:12.160 --> 01:57:25.160]  So if you're not offering any testimonial evidence, everything in your pleading had better be there, because if you offer testimonial evidence, the judge is going to hear something from the other side.
[01:57:25.160 --> 01:57:39.160]  Not only that, when you get criminal aspects to come in, the court, I mean, let's look at a murderer, so to speak, let's get on the other extreme of this spectrum here, look at a murder suspect.
[01:57:39.160 --> 01:57:54.160]  Does a county prosecutor or a state prosecutor or even a federal prosecutor, and whoever investigates this murder, once they find out who it is that murdered, are they going to call them on the phone and say, hey, yeah, this is Officer Sadanski down here at the FBI.
[01:57:54.160 --> 01:58:03.160]  We've reasonably that you've killed somebody, we're going to be by your house Tuesday about 10.30, you think you can have some shoes on?
[01:58:03.160 --> 01:58:09.160]  No. No, you don't warn him, you just don't get him.
[01:58:09.160 --> 01:58:22.160]  Yeah, that's what I'm talking about. When we start moving the courts to go after these guys criminally, we'll start moving these guys off the dive.
[01:58:22.160 --> 01:58:23.160]  Right.
[01:58:23.160 --> 01:58:38.160]  And yeah, the civil aspect, the criminal aspect of him, he can do with each other. Right, so what I was talking about is going back to the judge saying, you had a duty to go after these guys.
[01:58:38.160 --> 01:58:44.160]  And then when we start beating up the judges for this, he's going to create us some politics.
[01:58:44.160 --> 01:58:55.160]  And I'll talk about politics when we come back on the other side. Randy Kelton, Deborah Stevens, Eddie Craig with our radio, calling number is 512-646-1984.
[01:58:55.160 --> 01:59:00.160]  Dustin, Johnny, we see you. We will start taking the call, so make a sign.
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