[00:00.000 --> 00:06.480]  Attention 40-something male creeps. If you're hooking on to the internet from your mom's
[00:06.480 --> 00:11.680]  basement pretending to be a 16-year-old girl, I'm on to your tricks. Well, sort of. I'm
[00:11.680 --> 00:15.280]  Dr. Catherine Albrecht and I'll be back to tell you how researchers can determine your
[00:15.280 --> 00:17.600]  gender online.
[00:17.600 --> 00:22.080]  Privacy is under attack. When you give up data about yourself, you'll never get it back
[00:22.080 --> 00:27.600]  again. And once your privacy is gone, you'll find your freedoms will start to vanish too.
[00:27.600 --> 00:32.960]  So protect your rights, say no to surveillance, and keep your information to yourself. Privacy,
[00:32.960 --> 00:38.880]  it's worth hanging on to. This public service announcement is brought to you by StartPage.com,
[00:38.880 --> 00:46.400]  the private search engine alternative to Google, Yahoo, and Bing. Start over with StartPage.
[00:46.400 --> 00:50.560]  OMG, you can totally tell I'm a girl, exclamation mark.
[00:50.560 --> 00:56.040]  Men and women communicate differently, even in microbursts of text. Researchers at the
[00:56.040 --> 01:01.040]  MITRE Corporation say they can tell a person's gender 75% of the time by reading all their
[01:01.040 --> 01:06.240]  tweets. And with just one tweet, 140 tiny characters, they get it right two times out
[01:06.240 --> 01:11.920]  of three. Women use more punctuation, convey more emotion, and use more phrases like ha-ha
[01:11.920 --> 01:17.840]  in LOL. Knowing that could be useful to marketing vultures and other creeps, so keep a lookout
[01:17.840 --> 01:22.640]  for imposters and be careful what you share with strangers. I'll steal that advice with
[01:22.640 --> 01:23.640]  a smiley.
[01:23.640 --> 01:30.640]  Hi, Dr. Catherine Albrecht, more news and information at CatherineAlbrecht.com.
[01:30.640 --> 01:38.000]  Police can ID people on the street with an iPhone facial recognition software and a Facebook
[01:38.000 --> 01:43.120]  photo. But what if criminals use it to ID the cops? Hi, Dr. Catherine Albrecht, I'll be
[01:43.120 --> 01:47.480]  right back to talk about the end of the undercover detective.
[01:47.480 --> 01:51.840]  Privacy is under attack. When you give up data about yourself, you'll never get it back
[01:51.840 --> 01:57.440]  again. And once your privacy is gone, you'll find your freedoms will start to vanish too.
[01:57.440 --> 02:03.000]  So protect your rights. Say no to surveillance and keep your information to yourself. Privacy,
[02:03.000 --> 02:08.720]  it's worth hanging on to. This public service announcement is brought to you by StartPage.com,
[02:08.720 --> 02:16.680]  the private search engine alternative to Google, Yahoo, and Bing. Start over with StartPage.
[02:16.680 --> 02:21.280]  Social media can mean a pink slip for employees who've had unflattering snapshots of themselves
[02:21.280 --> 02:25.840]  turn up on the Internet. But what if your livelihood depended on being anonymous? What
[02:25.840 --> 02:31.080]  if you were, say, an undercover agent? The Australian police is concerned that social
[02:31.080 --> 02:37.040]  media may be undermining covert operations. A survey found that 90% of female officers
[02:37.040 --> 02:43.160]  and 80% of male cops were using Facebook and Twitter. All respondents 26 and younger were
[02:43.160 --> 02:48.560]  exposed by uploading their photos to those websites. I guess this means aspiring cops
[02:48.560 --> 02:54.400]  need to take a cue from today's politicians and keep their photos off the web. I'm Dr.
[02:54.400 --> 03:23.400]  Catherine Albrecht. More news and information at CatherineAlbrecht.com.
[03:24.400 --> 03:51.480]  All right folks, good evening. This is a rule of law radio for our info marathon Friday
[03:51.480 --> 03:58.320]  night show. This is Eddie Craig with my co-host, Randy Kelton. Debra has the night off. Right
[03:58.320 --> 04:03.600]  now, Randy has some due process stuff that he wants to go over tonight. We are expecting
[04:03.600 --> 04:09.240]  a couple of callers in with current issues specific to this conversation. So hopefully
[04:09.240 --> 04:15.880]  those folks know who they are and when they'll be calling in. All right, Randy, it is April
[04:15.880 --> 04:25.240]  20th, 2012 and you are on. Okay. It's been a long time since I went over due process
[04:25.240 --> 04:31.520]  and it's interesting how the show has a way of evolving. When we first started doing the
[04:31.520 --> 04:39.680]  show, we got a lot of calls about these kinds of issues and due process and we don't get
[04:39.680 --> 04:46.320]  as many as we used to. Frankly, it's kind of surprising. We do get a few people asking
[04:46.320 --> 04:54.960]  for the basic issues, but I think it's a real good time to go back over them because the
[04:54.960 --> 05:06.040]  things we have been anticipating are beginning to occur. The public, the sleeping giant, we
[05:06.040 --> 05:14.640]  talk about this, we the people. It is absolutely waking up. When I first started the show five
[05:14.640 --> 05:23.440]  years ago, we heard a lot of talk about sheeple and people who were asleep and those who were
[05:23.440 --> 05:28.520]  awake. For those of you who listen to the show all the time, I'd like you to think
[05:28.520 --> 05:34.640]  about that. When was the last time you heard someone come on the show and use the term
[05:34.640 --> 05:46.120]  sheeple? It's been a long time. That's because the general public is now wide awake and they
[05:46.120 --> 05:54.640]  are not happy. When I first started doing the radio show and for the last 30 years or
[05:54.640 --> 06:02.520]  so as I researched different aspects of due process, everybody who has known me has thought
[06:02.520 --> 06:11.240]  I was absolutely crazy. Odd how that changes. I'm not near as crazy as I used to be. Well,
[06:11.240 --> 06:19.280]  I haven't changed. It is the perspective that has changed. That's a correct use of the word
[06:19.280 --> 06:28.280]  term crazy because crazy means that you do things that are not socially acceptable and
[06:28.280 --> 06:34.120]  holding the belief that our public officials would lie to us when the truth would do better
[06:34.120 --> 06:41.720]  for the last 30 years has not been exactly socially acceptable. But that perspective
[06:41.720 --> 06:53.760]  has certainly changed. Before the last election, we were doing this mortgage issue and we told
[06:53.760 --> 07:01.040]  everybody that the legislature is going into the election with a 12% approval rating. It's
[07:01.040 --> 07:08.880]  the lowest in history. It was at times, not now. But it was the lowest in history and
[07:08.880 --> 07:18.400]  the politicians needed to do something to get the public to vote for them. They needed
[07:18.400 --> 07:26.240]  an escape code. We felt fairly certain what that would be and we expected it to be lenders
[07:26.240 --> 07:39.080]  in this mortgage crisis. And it was. Except it was much worse than we expected. The pressure
[07:39.080 --> 07:47.200]  that has been put on these folks is greater than I expected. Frankly, that pleases me.
[07:47.200 --> 07:53.760]  Now we have a legislature going into this election with a 9% approval rating. The last
[07:53.760 --> 08:00.760]  one started at 9 and it was close to 10 by the time they got to the election. This one
[08:00.760 --> 08:14.480]  started at 9 and I watched an interview with a freshman congressman a few weeks ago. And
[08:14.480 --> 08:23.080]  the announcer indicated to him that the legislature had a 9% approval rating. And this guy said,
[08:23.080 --> 08:31.640]  well, where are those people? I haven't talked to any of them. He was talking about the 9%.
[08:31.640 --> 08:38.200]  So he hasn't talked to anyone who had approved of what they were doing. And I fully suspect
[08:38.200 --> 08:50.840]  that 9% is gross and skewed. So we are approaching a time of great opportunity. Now from my
[08:50.840 --> 09:03.440]  perspective, we're merely in a place in a cycle. For as long as records have been kept,
[09:03.440 --> 09:10.960]  every 50 years or so, there has been an economic upheaval. I first read about this in Harry
[09:10.960 --> 09:21.800]  Brown's work and that's precisely what he said, that in good times, we allow the government
[09:21.800 --> 09:32.120]  to interfere in the market. And it generally takes about 50 years for their interference
[09:32.120 --> 09:41.680]  to so screw up the market that it precipitates a major economic upheaval. And then during
[09:41.680 --> 09:54.840]  these periods of economic crisis, people respond to the necessity and fix it. So this is an
[09:54.840 --> 10:02.040]  opportunity and a responsibility. We're at that point in the cycle where the system leads
[10:02.040 --> 10:09.520]  fixing and we get to be here and have the opportunity to fix it. But we should not be
[10:09.520 --> 10:17.480]  naive and think that we can eliminate all the problems that exist in the world. Because
[10:17.480 --> 10:28.640]  I honestly believe that problems are part of the nature of the way things are. Problems
[10:28.640 --> 10:37.120]  are placed before us to give us opportunity. And in the next few years, we're going to
[10:37.120 --> 10:47.800]  have lots of opportunity, opportunity to make spiritually powerful decisions. The American
[10:47.800 --> 10:56.640]  Indians believed that their only purpose for being here was to make spiritually powerful
[10:56.640 --> 11:02.920]  decisions, those decisions that have power in them. And you'll hear that in a lot of
[11:02.920 --> 11:11.160]  these movies and for the most part, the people that are using those Indian terminologies don't
[11:11.160 --> 11:19.320]  understand what they mean. Those decisions that have the most power in them are the ones
[11:19.320 --> 11:31.000]  that are the most difficult. So while I honestly believe that we need difficulty in order to
[11:31.000 --> 11:41.720]  grow, this is a time of great difficulty. And I don't think we are anywhere near the
[11:41.720 --> 11:45.720]  worst of it. It's going to get much worse before it gets better. So you're all going
[11:45.720 --> 11:52.440]  to have lots of opportunity. I hope that cheers you up a bit. But we're going to have opportunity
[11:52.440 --> 12:03.840]  to make political change. And in the end, everything is political. You know, I keep
[12:03.840 --> 12:10.200]  saying you won't win your case because you have the law and the facts on your side. It's
[12:10.200 --> 12:17.680]  not that way now. It never has been that way since the beginning. I was recently reading
[12:17.680 --> 12:25.720]  some work by a guy named Zacharias Sitchin. He's an Irish guy. But he was interpreting
[12:25.720 --> 12:37.760]  this ancient Sumerian text and inscriptions. And he spoke of one where it was nearly 6,000
[12:37.760 --> 12:49.160]  years old. And the king was proclaiming that he was reasserting the old law because the
[12:49.160 --> 12:57.120]  rich and the influential had so perverted the law that the average person could no longer
[12:57.120 --> 13:08.000]  find justice. So he was reasserting the original law. And now does that sound familiar? That
[13:08.000 --> 13:22.680]  was 6,000 years ago. They were having precisely the same problems, same cycles. So this is
[13:22.680 --> 13:31.000]  not the end of the world. This is merely a point in a cycle. And this is a point in
[13:31.000 --> 13:38.080]  the cycle where we have the opportunity to do some very spiritually powerful things.
[13:38.080 --> 13:45.320]  And I'm hoping that Eddie and Deborah and I can give you some of the tools you need
[13:45.320 --> 13:54.680]  to be able to assert some of that power. And I see we have Carlos on the line. I was going
[13:54.680 --> 14:04.040]  to launch off him to a high rate about due process and how we can exercise due process
[14:04.040 --> 14:11.000]  from a political perspective. And I'll do that, but Carlos is on the line and he generally
[14:11.000 --> 14:15.120]  comes in late. So he's in early today. So I'm going to take him early. We've got two
[14:15.120 --> 14:19.680]  minutes before break. So we'll have time to get started. Carlos.
[14:19.680 --> 14:26.040]  Yes, sir. Hi, Dennis. What do you have for us today?
[14:26.040 --> 14:30.200]  Good, good, good. Thank you. The only reason I wanted to come in, because I may have to
[14:30.200 --> 14:38.080]  leave early. Now, remember what we were talking about? Going to go in an expert state in front
[14:38.080 --> 14:43.440]  of a judge in order for them to correct the record on the accounting records, because
[14:43.440 --> 14:51.080]  the notice of default was executed before the substitution of thirsty and it should
[14:51.080 --> 14:58.760]  be the other way around. And you gave me a little theory or little instructions. Can
[14:58.760 --> 15:04.120]  you repeat that again? Because I want to make sure I don't screw up. I'm going Monday.
[15:04.120 --> 15:13.640]  Okay. Lacks referential index, instructions. What is the claim? How did you make the claim?
[15:13.640 --> 15:20.760]  Okay. Let me back up. I'll start this from the beginning. This is the most current research
[15:20.760 --> 15:30.120]  I've been doing. The deed of trust, all the deeds of trust are a standard Ginny May Freddie
[15:30.120 --> 15:39.960]  Mac form. And they all are almost precisely the same. The most important paragraph, as
[15:39.960 --> 15:48.680]  I read, it's paragraph 20. Now, let me explain what a deed of trust is. So this makes sense
[15:48.680 --> 15:58.080]  as to what you're trying to do. The lender took value, where I'm not going to say money
[15:58.080 --> 16:05.640]  because I don't care what he used. He used something of value to get possession of the
[16:05.640 --> 16:15.020]  warranty deed to the property. And then he traded you the warranty deed to the property
[16:15.020 --> 16:24.840]  for a promise to pay him a certain amount of money over a specified period of time.
[16:24.840 --> 16:32.560]  That was a promissory note. And in addition to that, since California, like Texas, is
[16:32.560 --> 16:42.280]  a non-judicious state, the bankers have gone to the legislatures and gotten them to grant
[16:42.280 --> 16:48.560]  the banker the ability to ask for special privileges that we'll talk about as soon as
[16:48.560 --> 16:52.400]  we get back on the other side. This is Randy Kelton, Deb. Steve, and Tata Craig. We have
[16:52.400 --> 17:09.140]  radio would call him number 646, 1984, and we'll be right back.
[17:09.140 --> 17:12.900]  really need change. He can't afford to make the same mistakes we've made in the past.
[17:12.900 --> 17:15.060]  Mitt Romney's reputation is a flip-flopper.
[17:15.060 --> 17:18.420]  He went the other way when he got paid to go the other way.
[17:18.420 --> 17:20.420]  There is need for economic stimulus.
[17:20.420 --> 17:22.100]  It's about serial hypocrisy.
[17:22.100 --> 17:24.100]  This election is about trust.
[17:24.100 --> 17:27.460]  There's been one true, consistent candidate, and that's Dr. Ron Paul.
[17:27.460 --> 17:30.660]  Ron Paul has been so consistent from the very beginning.
[17:30.660 --> 17:32.660]  He seems like a more honest candidate.
[17:32.660 --> 17:35.300]  He tells the truth about what he believes, whether you like it or not.
[17:35.300 --> 17:39.940]  He's never once voted for a tax increase, never once voted for an unbalanced budget.
[17:39.940 --> 17:43.940]  Ron Paul's plan is bold, cut five departments. It's what we need.
[17:43.940 --> 17:47.700]  When he says he's going to cut a trillion dollars in the first year, I believe it.
[17:47.700 --> 17:53.060]  If you don't like how things are going and tired of politicians, he's something different.
[17:53.060 --> 17:58.020]  Ron Paul is the one we've been looking for.
[17:58.020 --> 18:00.740]  I'm Ron Paul and I approve this message.
[18:00.740 --> 18:05.860]  Are you being harassed by debt collectors with phone calls, letters, or even lawsuits?
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[18:19.940 --> 18:24.980]  civil rights statute. What to do when contacted by phones, mail, or court summons?
[18:24.980 --> 18:27.060]  How to answer letters and phone calls?
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[18:41.540 --> 18:47.220]  For more information, please visit ruleoflawradio.com and click on the blue Michael Miras banner
[18:47.220 --> 18:50.020]  or email michaelmiras at yahoo.com.
[18:50.020 --> 18:57.780]  That's ruleoflawradio.com or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com.
[18:57.780 --> 19:01.140]  To learn how to stop debt collectors next.
[19:28.180 --> 19:34.100]  Standing like it's out of control on the edge of a hole inside a deep dark room.
[19:34.100 --> 19:38.660]  I'm always on the lookout for something to soothe my soul.
[19:40.660 --> 19:50.260]  So I sit back and I watch the evidence unfold and I see justice. It's a door.
[19:50.260 --> 20:03.760]  Okay, we were talking about justice and we get back to that in a bit, but I want to go
[20:03.760 --> 20:04.760]  back into this.
[20:04.760 --> 20:10.760]  This is really important and it may sound kind of arcane, but it's important for us
[20:10.760 --> 20:16.080]  to understand what the need of trust really is.
[20:16.080 --> 20:23.620]  Once we understand what it really is, it'll make it a lot easier for us to argue for the
[20:23.620 --> 20:30.480]  court to toss it because what it is is a privilege.
[20:30.480 --> 20:38.300]  Normally if I work on your property, say I put an addition on your property, I expend
[20:38.300 --> 20:48.800]  labor and I expend materials, if you don't pay me, then I can go down, well, if you don't
[20:48.800 --> 20:53.520]  pay me, that creates a lien.
[20:53.520 --> 20:56.000]  It creates a lien as a matter of law.
[20:56.000 --> 21:00.720]  A few years ago there was a lot of this stuff about the IRS when they'd file a notice of
[21:00.720 --> 21:05.120]  lien that would say show me the lien, show me the lien, well it can't show you the lien
[21:05.120 --> 21:08.960]  because it's not something that has a physical existence.
[21:08.960 --> 21:17.000]  It's something that is created as a matter of law, but I can go down to the county registrar's
[21:17.000 --> 21:28.280]  office and file a notice in the court in the land records of a claim against your property.
[21:28.280 --> 21:34.640]  Now that is a notice to anyone who would incur a claim against that property that one already
[21:34.640 --> 21:42.000]  exists in the form of a legal lien.
[21:42.000 --> 21:48.160]  Now I can't collect on that, that's merely a form of a less pendence.
[21:48.160 --> 21:52.200]  That's notice that there's a pending claim.
[21:52.200 --> 21:54.360]  Now I can't collect it.
[21:54.360 --> 21:55.360]  I can only notice it.
[21:55.360 --> 22:02.480]  If I want to collect it, then I have to file suit the district court and ask the court
[22:02.480 --> 22:10.600]  to say yes you do have a claim against this property, render me a claim, and grant me
[22:10.600 --> 22:15.680]  a judgment against the property.
[22:15.680 --> 22:21.640]  Once I have that judgment, now I can prosecute the judgment to collect.
[22:21.640 --> 22:30.960]  Now if my claim is great enough, I can liquidate your property to collect.
[22:30.960 --> 22:38.840]  Now in the mortgage area, the bankers went to the legislators and convinced them that
[22:38.840 --> 22:48.920]  it was a good idea to pass legislation that would restrict enforcement of a prohibition
[22:48.920 --> 22:56.800]  against a contractual confessed judgment.
[22:56.800 --> 23:09.240]  Our legislators made it a crime for someone to put in a contract a confessed judgment,
[23:09.240 --> 23:14.000]  but for the purpose of, I'm sorry, I said they made it a crime.
[23:14.000 --> 23:22.160]  I can't be sure of that, but they did make a confessed judgment unenforceable.
[23:22.160 --> 23:27.880]  So if somebody has you in a spot where you essentially compelled to enter into a contract
[23:27.880 --> 23:38.360]  with them, and they put in a confessed judgment in there, that means that at their whim they
[23:38.360 --> 23:45.520]  can exercise, take an action to enforce a judgment, and they don't have to go to the
[23:45.520 --> 23:50.120]  courts and get the courts to adjudicate that judgment.
[23:50.120 --> 23:56.320]  That is precisely what a deed of trust is.
[23:56.320 --> 24:01.920]  It is a grant of a confessed judgment against the property.
[24:01.920 --> 24:11.760]  You say, yes, if I don't abide by all of the tenants of this contract, you can go straight
[24:11.760 --> 24:14.000]  to collection of the judgment.
[24:14.000 --> 24:21.960]  You don't have to go to the court and secure a ruling of judgment.
[24:21.960 --> 24:38.200]  So what we're saying is, after the lenders started this scheme of securitizing residential
[24:38.200 --> 24:53.200]  commercial real estate and selling those securities into large pools of real estate mortgage
[24:53.200 --> 25:05.040]  investment conduits, when they started doing that, the first thing they did was after consummation
[25:05.040 --> 25:15.960]  of the note, the lender would have taken the note, filed it with Ginny May, and then issued
[25:15.960 --> 25:23.440]  a security with the note as collateral for the security.
[25:23.440 --> 25:33.200]  And he would have taken that security and put it into a pool, which would then be bundled
[25:33.200 --> 25:38.440]  into a large investment trust.
[25:38.440 --> 25:43.920]  But since the investor didn't want to do the collections, now this is the way it had been
[25:43.920 --> 25:51.200]  done for the last 200 years, a bank or lending institution would make a loan to you with
[25:51.200 --> 25:58.440]  your property as collateral, and then they would do the collections on the loan.
[25:58.440 --> 26:07.240]  Well, these investors, and they were primarily your retirement funds, who invested into these
[26:07.240 --> 26:11.480]  securities, but they didn't want to be collecting all these notes.
[26:11.480 --> 26:22.920]  So the lender negotiated the security or the note into a security, and he transferred
[26:22.920 --> 26:34.920]  the deed of trust to a servicer, problem, paragraph 20.
[26:34.920 --> 26:47.040]  This was a privilege granted by the borrower to the lender in order to facilitate the lender
[26:47.040 --> 26:52.880]  granting him a loan against the property.
[26:52.880 --> 27:01.920]  He authorized the lender to sell the note or a portion of the note one or more times together
[27:01.920 --> 27:15.160]  with this security instrument, and this security instrument in that context met this very document
[27:15.160 --> 27:19.880]  on which these words were printed, the deed of trust.
[27:19.880 --> 27:25.560]  So you authorized the lender to sell the note together with the security instrument.
[27:25.560 --> 27:33.800]  You did not authorize the lender to negotiate the note to one entity and transfer the security
[27:33.800 --> 27:42.680]  instrument to another entity that created precisely the cloud on the title that that
[27:42.680 --> 27:48.360]  particular language was intended to prevent.
[27:48.360 --> 27:54.000]  And by that action, they have created essentially a permanent cloud on the title.
[27:54.000 --> 27:57.080]  So you go to the court and you say, hold on here.
[27:57.080 --> 28:05.600]  First off, this is a trust, and if it's a trust, even though you may have MERS as the
[28:05.600 --> 28:16.600]  beneficiary and the mortgagee listed in the trust and not the lender, it's still a trust,
[28:16.600 --> 28:24.880]  and while the mortgagee or the nominee for the lender may act as his agent, he may not
[28:24.880 --> 28:35.160]  do what the mortgagee or the lender was not authorized to do in the contract.
[28:35.160 --> 28:44.760]  And since it is a trust, the beneficiary, the lender, the agent for the lender can't
[28:44.760 --> 28:47.480]  do anything with the trust.
[28:47.480 --> 28:53.520]  You appointed a trustee, and if there were any assignments and negotiations made, it
[28:53.520 --> 28:55.520]  was the trustee who was quite due though.
[28:55.520 --> 28:57.720]  That's why you appointed him.
[28:57.720 --> 29:01.280]  That's why you paid him.
[29:01.280 --> 29:09.080]  But in fact, if you look in your court record, you will almost certainly find an assignment
[29:09.080 --> 29:14.600]  by mortgage electronic registration service, and you never authorized them to assign anything.
[29:14.600 --> 29:27.120]  You'll find an assignment to a third party, but you'll find no reference to the note itself,
[29:27.120 --> 29:31.120]  because we know where it went to and went somewhere else.
[29:31.120 --> 29:38.400]  They bifurcated immediately, so what we suggest is you go to the court and you demonstrate
[29:38.400 --> 29:46.120]  these breaches of the contract and ask the court to rule that the deed of trust is void
[29:46.120 --> 29:48.920]  at a no-forsom effect because of a contractual violation.
[29:48.920 --> 29:52.640]  This is Randy Kelton, David Stevens, Eddie Craig, Rule of Law Radio.
[29:52.640 --> 29:54.440]  We're about to go to break.
[29:54.440 --> 29:57.440]  Our call-in number is 512-646-1984.
[29:57.440 --> 30:00.480]  We'll be right back.
[30:00.480 --> 30:05.840]  This is Building 7, a 47-story skyscraper that fell on the afternoon of September 11.
[30:05.840 --> 30:07.920]  The government says that fire brought it down.
[30:07.920 --> 30:12.880]  However, 1,500 architects and engineers have concluded it was a controlled demolition.
[30:12.880 --> 30:16.920]  Over 6,000 of my fellow service members have given their lives, and thousands of my fellow
[30:16.920 --> 30:18.360]  force respond to supply.
[30:18.360 --> 30:22.160]  I'm not a conspiracy theorist, I'm a structural engineer, I'm a New York City correction officer,
[30:22.160 --> 30:26.960]  I'm an Air Force pilot, I'm a father who lost his son, we're Americans, and we deserve
[30:26.960 --> 30:27.960]  the truth.
[30:27.960 --> 30:30.960]  Go to RememberBuilding7.org today.
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[30:59.480 --> 31:00.480]  you.
[31:00.480 --> 31:05.800]  Attention, listeners, Harlan Dietrich, owner of Brave New Books here with a special announcement
[31:05.800 --> 31:09.840]  according to the Southern Poverty Law Center's new report titled The Year in Hate Extremism.
[31:09.840 --> 31:15.960]  In the past three years, the number of Patriot groups has grown by 755 percent, once again
[31:15.960 --> 31:18.200]  making the list Brave New Books.
[31:18.200 --> 31:23.000]  Also congratulations to Austin's own RuleofLawRadio.com for joining the ranks of the SPLC's favorite
[31:23.000 --> 31:24.000]  Patriots.
[31:24.000 --> 31:27.520]  And shout out to Debra Medina's Wee Texans for making the list as well.
[31:27.520 --> 31:31.280]  In order to show our appreciation for helping keep the bookstore in the front lines of the
[31:31.280 --> 31:36.120]  battle for liberty, for the whole month of April, mention this ad and we'll take 5 percent
[31:36.120 --> 31:37.800]  off everything in the store.
[31:37.800 --> 31:41.280]  That's right, you can get 5 percent off the latest in extremist materials.
[31:41.280 --> 31:46.160]  Get your Ron Paul Yard signed or church, one of the last copies of the Oklahoma City Bombing's
[31:46.160 --> 31:49.960]  final report, or Charlotte Izabee's Deliver a Dumb and Down in America.
[31:49.960 --> 31:54.480]  So come on down and help further the rise of the Patriot movement.
[31:54.480 --> 31:57.320]  The bookstore is located at 1904 Guadalupe Street.
[31:57.320 --> 32:04.320]  5 percent discount excludes precious metal sales.
[32:27.320 --> 32:34.320]  Well, I need a prosecutor to come and help me.
[32:34.320 --> 32:39.320]  Prosecute them wicked leaders you say, they're my mother and liar, them tell me, them are
[32:39.320 --> 32:45.320]  liars and I tell six stories, mean I believe, me say what them tell me, 3 percent of America
[32:45.320 --> 32:46.320]  vote for motion.
[32:46.320 --> 32:48.320]  So how do they help you get the presidency?
[32:48.320 --> 32:51.320]  That's why we have a warrant for you.
[32:51.320 --> 32:55.320]  Everybody listen carefully, listen to the words that the division's passing.
[32:55.320 --> 32:59.320]  Listen to the rest of this double shit.
[32:59.320 --> 33:04.320]  The warrant for the division.
[33:04.320 --> 33:09.320]  Listen to the rest of this double shit.
[33:09.320 --> 33:14.320]  The warrant and the, the division.
[33:14.320 --> 33:17.320]  Well, we know for that bombs field warrant for you.
[33:17.320 --> 33:20.320]  I'll get you any warrant for you.
[33:20.320 --> 33:21.320]  Okay, we are back.
[33:21.320 --> 33:23.320]  Great, great, great, great.
[33:23.320 --> 33:25.320]  We have low radio.
[33:25.320 --> 33:28.320]  We are talking about the trust.
[33:28.320 --> 33:34.320]  Carlos, I don't mean to use up the time, but this is real important to understand.
[33:34.320 --> 33:43.320]  We go to the court and say to the court, you know, you have a responsibility to maintain
[33:43.320 --> 33:46.320]  accurate public records.
[33:46.320 --> 33:55.320]  And we have a couple of public records here that we have reason to believe are void, specifically
[33:55.320 --> 33:58.320]  this deed of trust.
[33:58.320 --> 34:07.320]  This deed of trust because the lender breached a primary restriction in the deed of trust
[34:07.320 --> 34:13.320]  and Eddie, I need something from you at this point.
[34:13.320 --> 34:21.320]  What was the Latin term you used for what isn't is not included is excluded.
[34:21.320 --> 34:25.320]  Inclusio Eunus Exclusio Altarius.
[34:25.320 --> 34:26.320]  Okay.
[34:26.320 --> 34:37.320]  That's what this goes to precisely paragraph 20 specifically authorizes the lender to sell
[34:37.320 --> 34:46.320]  the note under this particular condition.
[34:46.320 --> 34:54.320]  So since this is what's included, every other contingency is excluded.
[34:54.320 --> 35:02.320]  You may only sell the note together with this security instrument.
[35:02.320 --> 35:11.320]  This ensures that the person who is collateralized by the security instrument, or the person,
[35:11.320 --> 35:22.320]  I can say person, I don't have to say or entity, is also the person who actually has a claim
[35:22.320 --> 35:27.320]  against the borrower.
[35:27.320 --> 35:32.320]  This is where the problem comes in.
[35:32.320 --> 35:42.320]  The deed of trust gives the holder a claim against the property specifically.
[35:42.320 --> 35:51.320]  The note gives the holder a claim against the person.
[35:51.320 --> 35:59.320]  Now, what we believe has occurred and what we have substantial evidence to support is
[35:59.320 --> 36:10.320]  that once these two were separated where we had one entity standing holding the security
[36:10.320 --> 36:19.320]  instrument making the claim against the property, the other document was sold back and forth
[36:19.320 --> 36:22.320]  and not just that, we have a lot to talk about.
[36:22.320 --> 36:28.320]  Once they're in the pool, they sell tranches from the pool to all these different investors
[36:28.320 --> 36:30.320]  and we don't really know who the holder is.
[36:30.320 --> 36:31.320]  Yeah, we do.
[36:31.320 --> 36:33.320]  That's the trust.
[36:33.320 --> 36:35.320]  The trust is the holder.
[36:35.320 --> 36:40.320]  Now, he has let out portions of his holding, but he's still the holder.
[36:40.320 --> 36:43.320]  That's not where our claim is.
[36:43.320 --> 36:50.320]  And frankly, I believe it is the banks who have sent us down this rabbit trail chasing
[36:50.320 --> 36:51.320]  the trust.
[36:51.320 --> 36:54.320]  The trust is not the issue.
[36:54.320 --> 37:05.320]  The issue is that once these two documents are separated, it leaves the lender in a position
[37:05.320 --> 37:14.320]  because of the structure of Ginny May who create pools for all of these different notes and
[37:14.320 --> 37:20.320]  he can take your note because each pool can only hold a note with one interest rate and
[37:20.320 --> 37:25.320]  simply change the interest rate and stick it in another pool and in another pool and
[37:25.320 --> 37:29.320]  in another pool and sell it several times.
[37:29.320 --> 37:37.320]  If he does that, now you have a number of entities with the claim against your property.
[37:37.320 --> 37:46.320]  Now, the lender who does that has a plan and they plan on forcing you into foreclosure.
[37:46.320 --> 37:51.320]  That was their intent when they gave you a loan that statistically you could not possibly
[37:51.320 --> 37:53.320]  pay off.
[37:53.320 --> 38:00.320]  So, once he forces foreclosure because he's went on the derivatives market and bought all
[38:00.320 --> 38:06.320]  these extra insurance policies for each note that he's time he sold the note, each of those
[38:06.320 --> 38:11.320]  insurance policies pay off and he gets to keep this big bundle of money and that's exactly
[38:11.320 --> 38:12.320]  what happened.
[38:12.320 --> 38:17.320]  And that's why AGI, Shears and Lehman, Lehman Brothers went down because they were selling
[38:17.320 --> 38:18.320]  these derivatives.
[38:18.320 --> 38:24.320]  They're the ones that got hurt and that's why they ran to the government for this $7
[38:24.320 --> 38:29.320]  trillion absolutely asinine bailout.
[38:29.320 --> 38:40.320]  So, what the problem is and the thing that rules paragraph 20 intended to present was
[38:40.320 --> 38:45.320]  multiple claims against the person and that's exactly what we have.
[38:45.320 --> 38:48.880]  So, we go to the court and say, this is what they did.
[38:48.880 --> 38:57.520]  They breached this tenant and because they breached this tenant, the title is permanently
[38:57.520 --> 39:10.560]  clouded unless you rule that this deed of trust is void and any claims that result from
[39:10.560 --> 39:22.040]  the sale of this note by the original lender in all subsequent sales are void and grant
[39:22.040 --> 39:33.120]  quiet title toward any claim concerning this note except for the claim held by the originator
[39:33.120 --> 39:36.280]  of the note.
[39:36.280 --> 39:46.800]  If you don't do that, this property will be permanently clouded into perpetuity and no
[39:46.800 --> 39:56.000]  one who has any investment savvy would dare invest in this property because it could simply
[39:56.000 --> 39:59.600]  be taken away from them by someone with a prior claim.
[39:59.600 --> 40:13.000]  So, we ask the court to rule that the deed of trust and any claimed beneficiary interest
[40:13.000 --> 40:21.920]  in the property or the deed of trust are void except that claim by the original lender.
[40:21.920 --> 40:30.640]  So, we're not asking the court to grant us blanket quiet title and I'm going to give
[40:30.640 --> 40:40.040]  you that but quiet title asks concerns in this particular claim so that this privilege
[40:40.040 --> 40:46.120]  you granted the lender was abused and they no longer get to exercise the privilege.
[40:46.120 --> 40:58.400]  Now, if the judge rules that the deed of trust is void, the lender still has a claim against
[40:58.400 --> 41:01.600]  the borrower.
[41:01.600 --> 41:05.400]  He just has no claim against the property.
[41:05.400 --> 41:12.240]  Now, if you've listened to enough of these patriot programs, you will know how to make
[41:12.240 --> 41:20.320]  yourself free of any claims, lean proof.
[41:20.320 --> 41:26.400]  If you don't hold anything, if you don't own anything, you can't be leaned, there's nothing
[41:26.400 --> 41:32.040]  to take and there's a lot of people out there that show you how to do that.
[41:32.040 --> 41:39.960]  But what we're looking at doing is if you're going to go for quiet title, then I suggest
[41:39.960 --> 41:47.080]  you do some research and this is some research I'm working on now as to how to create a bullet
[41:47.080 --> 41:57.520]  proof lean against your own property and you lean up big time.
[41:57.520 --> 42:01.600]  And I have a way to do that but I'm not going to talk about that on the air, we'll find
[42:01.600 --> 42:06.800]  another way to get to that but file lean against property now the bank's not going to care
[42:06.800 --> 42:13.720]  because they have the deed of trust and it's the first lean.
[42:13.720 --> 42:20.160]  So we file the lean and then you go for quiet title.
[42:20.160 --> 42:25.680]  Quiet title is the lean in the first position.
[42:25.680 --> 42:33.120]  First in time is first in line.
[42:33.120 --> 42:37.840]  So right now the deed of trust is first in time.
[42:37.840 --> 42:42.600]  If you go to the court and get the court to rule that the lender breaches the deed of
[42:42.600 --> 42:49.880]  trust and therefore it's for it, now the lender still has a claim against you.
[42:49.880 --> 42:59.880]  So he could sue you in the court, get the claim adjudicated and get the court to grant
[42:59.880 --> 43:06.960]  a judgment against you and then come back and liquidate your personal property.
[43:06.960 --> 43:13.520]  And in some states your real property not in Texas could have homestead laws and unless
[43:13.520 --> 43:20.840]  you have a direct claim against the property they can't take it, even the IRS can't take
[43:20.840 --> 43:23.160]  it.
[43:23.160 --> 43:30.280]  So once you've bumped out the deed of trust there's no claim against property anymore.
[43:30.280 --> 43:35.600]  And if you're in a state that doesn't have these strong homestead laws, you've got to
[43:35.600 --> 43:42.560]  lean on the property that they can't get past, they'd have to liquidate yearly in first
[43:42.560 --> 43:45.840]  and there's a little bit more to this when we come back on the other side.
[43:45.840 --> 43:51.520]  Carlos, I'm sorry if I've held you off a long time but I hope this is worth the wait.
[43:51.520 --> 43:53.520]  This is Randy Keltberg's G.U.T.
[43:53.520 --> 43:54.520]  S.A.T.
[43:54.520 --> 43:55.520]  Craig with Law Radio.
[43:55.520 --> 43:58.520]  We'll be right back.
[43:58.520 --> 44:06.560]  The Oakland City Bombay, top ten reasons to question the official story.
[44:06.560 --> 44:10.040]  Reason number two, why was the ATF AWOL?
[44:10.040 --> 44:14.960]  Paramedic Tiffany Bible, who was on the scene within five minutes, has stated in an affidavit
[44:14.960 --> 44:19.200]  that agents of the Bureau of Alcohol, Tobacco and Firearms told her that they were not in
[44:19.200 --> 44:20.200]  their office that morning.
[44:20.200 --> 44:25.160]  D&T Catherine Mallet also overheard one agent say to another, close, is that why we got
[44:25.160 --> 44:27.960]  the page to not come in today, end quote.
[44:27.960 --> 44:32.680]  Drew Shaw, as interviewed on KSOL or TV, was also told by ATF agents that they had been
[44:32.680 --> 44:35.080]  paid to not come in to work.
[44:35.080 --> 44:39.640]  The ATF initially denied these claims and now variously claim that one of their agents
[44:39.640 --> 44:43.280]  was in a free falling elevator which has been disproven, or that they had been in an all
[44:43.280 --> 44:46.760]  night stick out, or that they had been in a golf tournament.
[44:46.760 --> 44:51.240]  As they try to sort out their lies, all we want to know is, did the ATF receive a warning
[44:51.240 --> 45:00.240]  and if so, why did they not pass it on to others and the more information go to LKCBondonTruth.com.
[45:00.240 --> 45:04.760]  Are you the plaintiff or defendant in a lawsuit?
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[45:10.760 --> 45:17.640]  course that will show you how in 24 hours, step by step, if you have a lawyer, know what
[45:17.640 --> 45:22.760]  your lawyer should be doing, if you don't have a lawyer, know what you should do for
[45:22.760 --> 45:23.760]  yourself.
[45:23.760 --> 45:29.920]  Thousands have won with our step by step course and now you can too, Jurisdictionary was created
[45:29.920 --> 45:35.120]  by a licensed attorney with 22 years of case winning experience.
[45:35.120 --> 45:39.560]  Even if you're not in a lawsuit, you can learn what everyone should understand about
[45:39.560 --> 45:43.960]  the principles and practices that control our American courts.
[45:43.960 --> 45:50.000]  You'll receive our audio classroom, video seminar, tutorials, forms for civil cases,
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[45:52.440 --> 45:56.920]  Please visit ruleoflawradio.com and click on the banner.
[45:56.920 --> 46:23.920]  Or call toll-free 866-LAW-EASY.
[46:23.920 --> 46:41.640]  Okay, with that, I'm sorry to hose you up so long, Carlos, but I hope this makes sense
[46:41.640 --> 46:46.880]  and it'll tell you better how to go after a quiet title and a lot of people think quiet
[46:46.880 --> 46:56.120]  title is a general quiet title from any possible claim and trying to get a judge to give you
[46:56.120 --> 47:00.080]  that is going to be extremely difficult.
[47:00.080 --> 47:07.560]  But if you give him a laser focus and say, I only ask for quiet title for this claim
[47:07.560 --> 47:15.880]  and any claims arising out of this claim, that is a whole lot easier for him to do and
[47:15.880 --> 47:22.800]  then go to the inside of the court that because he breached the tenants of the contract, he
[47:22.800 --> 47:30.520]  should not be able to exercise the privilege as no man should be allowed to benefit from
[47:30.520 --> 47:34.160]  his own misdeeds.
[47:34.160 --> 47:42.840]  To get that from the judge, if he gives you quiet title, what he does is take away a direct
[47:42.840 --> 47:46.760]  claim against the property.
[47:46.760 --> 47:54.560]  And that's what's important and that's why you want an intervening lien.
[47:54.560 --> 48:03.760]  Even if they were able to overcome the lien, it will cost them so much to fight the lien.
[48:03.760 --> 48:09.560]  It's a whole separate battle and there's more you can do.
[48:09.560 --> 48:17.880]  If you grant them once the lien is in place and you get the deed of trust rendered void
[48:17.880 --> 48:27.080]  then immediately have the party who filed the lien liquidate the property.
[48:27.080 --> 48:31.880]  So you write that party a warranty deed.
[48:31.880 --> 48:39.120]  Now I know what you're thinking, that's scary business but I have a way to protect yourself
[48:39.120 --> 48:42.640]  from someone running off with your property.
[48:42.640 --> 48:47.680]  I wouldn't suggest that if I didn't have that well covered and we won't do that on
[48:47.680 --> 48:54.120]  the air but anyone who has a specific interest in this particular issue can contact me off
[48:54.120 --> 48:57.840]  the air and we'll talk about how to do that.
[48:57.840 --> 49:03.480]  So you liquidate it right out of your name, immediately it's gone.
[49:03.480 --> 49:10.760]  Now if the bank comes back to file a lien against you, well they have no way of making
[49:10.760 --> 49:13.160]  the claim against your property.
[49:13.160 --> 49:18.800]  I hope that makes sense, I think that's where I need to stop.
[49:18.800 --> 49:22.400]  Carlos, does that make sense?
[49:22.400 --> 49:29.000]  Yes, it makes a lot of sense and when you say to convey it to get it out of your name,
[49:29.000 --> 49:32.240]  in my opinion and a lot of people are not going to agree with me but I've been doing
[49:32.240 --> 49:39.040]  research for many, many years and after spending thousands and thousands of dollars, I came
[49:39.040 --> 49:46.480]  up to the conclusion that one of the best, I'm not saying it's the best way to protect
[49:46.480 --> 49:51.840]  your property is to convey it to an irrevocable trust.
[49:51.840 --> 49:55.880]  Now why an irrevocable, people are going to say, I'm not going to give it to an irrevocable
[49:55.880 --> 50:01.640]  because you can be the trustee because there's no arms length, you don't own it and the
[50:01.640 --> 50:02.640]  property.
[50:02.640 --> 50:13.000]  No, stop, stop, stop, no, okay, let's talk about trust and you do not want to be, you
[50:13.000 --> 50:21.160]  can be the grand tour, the benefactor, the one who puts the property in the trust.
[50:21.160 --> 50:29.800]  But if you want to keep the IRS and the courts away from the trust, then you cannot be the
[50:29.800 --> 50:41.360]  trustee and you cannot be the beneficiary, okay, I'm going to say this on the air but
[50:41.360 --> 50:44.960]  I hope the bad guys don't hear me.
[50:44.960 --> 50:56.280]  What you can do is appoint anybody as the trustee and anybody you want to as the beneficiary.
[50:56.280 --> 51:06.840]  However, you get a private contract with the trustee making you the managing director.
[51:06.840 --> 51:14.920]  That keeps it at arms length, if they can say, you're the benefactor and you're the trustee
[51:14.920 --> 51:19.360]  then this is an alter ego of you.
[51:19.360 --> 51:24.360]  They imported that argument from corporations.
[51:24.360 --> 51:30.880]  The argument was not intended for trust but the IRS uses it against trust anyway.
[51:30.880 --> 51:37.600]  But if you are neither the trustee nor the beneficiary, then that connection does not
[51:37.600 --> 51:38.600]  exist.
[51:38.600 --> 51:45.440]  Now, this goes to the difference between the public and the private.
[51:45.440 --> 51:54.280]  All this stuff about straw man, the straw man stuff is a really bad metaphor.
[51:54.280 --> 51:58.520]  This is really about the public and the private.
[51:58.520 --> 52:05.000]  When I'm dealing in the public, then I'm in my straw man and I don't want to get rid
[52:05.000 --> 52:07.720]  of him because I want to be able to deal in the public.
[52:07.720 --> 52:11.200]  Apply for a license, I do it as my straw man.
[52:11.200 --> 52:16.440]  When I come out here and deal with corporations, I do it as my straw man but I have another
[52:16.440 --> 52:19.160]  side and the arms are good people to look at.
[52:19.160 --> 52:25.240]  They fully understand the difference between the private side and the public side.
[52:25.240 --> 52:28.120]  Trusts are on the private side.
[52:28.120 --> 52:34.320]  Those are contracts and interactions between private individuals.
[52:34.320 --> 52:36.720]  They are not in the public.
[52:36.720 --> 52:42.080]  Your contract with the trustee is absolutely private.
[52:42.080 --> 52:48.480]  It will never come into the public unless the trustee fails to do exactly what you
[52:48.480 --> 52:49.480]  tell him.
[52:49.480 --> 52:56.640]  Then you can take out the private contract, fire the trustee and replace it.
[52:56.640 --> 52:59.240]  That was the key that's been missing from trust.
[52:59.240 --> 53:01.480]  Now, that'll kind of make you safe in the trust.
[53:01.480 --> 53:07.680]  Once you do that, then the property goes to the trust.
[53:07.680 --> 53:15.320]  If you've gotten rid of the deed of trust, if the trustee's deed is gone, then you can
[53:15.320 --> 53:16.320]  do that.
[53:16.320 --> 53:24.120]  If there's a trustee's deed in place, it has a prohibition against transferring ownership
[53:24.120 --> 53:25.120]  of the property.
[53:25.120 --> 53:28.400]  So, you have to get rid of that deed of trust.
[53:28.400 --> 53:34.160]  I would suggest that you have the trust in place.
[53:34.160 --> 53:41.200]  Do not file the lien before you go to the court and ask for quiet title because if they
[53:41.200 --> 53:46.600]  look in the record and they see that lien, they'll know you're setting a trap for them.
[53:46.600 --> 53:50.520]  So, you have it in hand.
[53:50.520 --> 53:58.400]  When the judge renders the ruling, you drop the deed, your warranty deed on the court,
[53:58.400 --> 54:05.200]  transferring it to someone else immediately or in the county registrar's office.
[54:05.200 --> 54:11.160]  Now the banker can come back and make a claim against you, but now he can get to your property.
[54:11.160 --> 54:14.600]  Does that make sense, Carlos?
[54:14.600 --> 54:20.280]  Carlos, did I put you to sleep?
[54:20.280 --> 54:21.280]  I'm back.
[54:21.280 --> 54:22.280]  I'm sorry.
[54:22.280 --> 54:23.280]  I was muted.
[54:23.280 --> 54:24.280]  I'm sorry.
[54:24.280 --> 54:25.280]  Okay.
[54:25.280 --> 54:27.280]  Before I go, I'm going to give you a little homework.
[54:27.280 --> 54:28.280]  Okay?
[54:28.280 --> 54:29.280]  Okay.
[54:29.280 --> 54:36.840]  On irrevocable, non-grantor trust, okay, use the non-grantor, use the not-put-the-proper
[54:36.840 --> 54:45.960]  unit, irrevocable, okay, once it's set up, you can be the trustee, irrevocable trust.
[54:45.960 --> 54:53.680]  And people are going to say, it's why irrevocable because now it's away from you, now there's
[54:53.680 --> 54:59.680]  no connection, now you can be the trustee, study it, and I know I'm right.
[54:59.680 --> 55:00.680]  Okay.
[55:00.680 --> 55:01.680]  Okay.
[55:01.680 --> 55:03.920]  You said in this, you're not the benefactor.
[55:03.920 --> 55:09.400]  Can you be the benefactor and the trustee in an irrevocable trust?
[55:09.400 --> 55:10.400]  No.
[55:10.400 --> 55:15.640]  I'm going to have my kids are the beneficiaries, but I'm controlling everything.
[55:15.640 --> 55:16.640]  Okay.
[55:16.640 --> 55:20.960]  Yeah, but see, if you, no, not beneficiary, benefactor.
[55:20.960 --> 55:21.960]  Benefactor.
[55:21.960 --> 55:22.960]  What?
[55:22.960 --> 55:23.960]  Yeah.
[55:23.960 --> 55:31.000]  If you're the benefactor and you are the trustee, that's where the problem comes in.
[55:31.000 --> 55:38.680]  Not so much the beneficiary, but the benefactor and the trustee, you need a separation between
[55:38.680 --> 55:39.680]  those two.
[55:39.680 --> 55:40.680]  Yeah.
[55:40.680 --> 55:42.800]  I just want to keep it simple for everybody.
[55:42.800 --> 55:45.720]  This is what I did and it cost me a lot of money.
[55:45.720 --> 55:52.080]  I got a non-grantor, irrevocable trust, okay?
[55:52.080 --> 55:56.280]  Somebody else granted my property into that trust, right?
[55:56.280 --> 55:57.280]  Okay.
[55:57.280 --> 55:58.960]  Wait, wait, wait, wait, wait.
[55:58.960 --> 56:05.520]  How can someone who's not the holder of the warranty feed make the grant?
[56:05.520 --> 56:06.520]  Okay.
[56:06.520 --> 56:13.320]  Well, I'm just talking about a general, a general on, let's say, on my car or anything,
[56:13.320 --> 56:14.320]  okay?
[56:14.320 --> 56:19.080]  We're getting a little bit confused because you're talking about a grand deed and I wasn't
[56:19.080 --> 56:20.080]  talking about a grand deed.
[56:20.080 --> 56:23.960]  I was just talking specifically on trust, but I don't want to go into anything.
[56:23.960 --> 56:24.960]  No.
[56:24.960 --> 56:25.960]  Yeah.
[56:25.960 --> 56:33.360]  Okay, but I'm talking about the grantor, the benefactor, the grantor, the one who grants
[56:33.360 --> 56:37.960]  has to have holdership of the property.
[56:37.960 --> 56:38.960]  Right.
[56:38.960 --> 56:46.680]  So, if you have the warranty deed, you are the only one who can grant that property to
[56:46.680 --> 56:47.680]  the trust.
[56:47.680 --> 56:48.680]  Right.
[56:48.680 --> 56:57.480]  But how would someone else do it as a non-grantor, non-holder, I don't know how they would get
[56:57.480 --> 56:58.480]  there?
[56:58.480 --> 57:02.800]  To put them as a settler, they can do it.
[57:02.800 --> 57:05.680]  If you have the part of a settler, they do it.
[57:05.680 --> 57:07.640]  Once they do it, they're gone away.
[57:07.640 --> 57:10.800]  It becomes a irrevocable trust, you don't touch it.
[57:10.800 --> 57:11.800]  Okay.
[57:11.800 --> 57:12.800]  You said a settler?
[57:12.800 --> 57:13.800]  Yes.
[57:13.800 --> 57:21.440]  So, are you talking about a regional grant holder?
[57:21.440 --> 57:23.800]  I said, we're still going to hold her.
[57:23.800 --> 57:27.400]  If you're talking about an alloys title holder?
[57:27.400 --> 57:32.840]  I'm going to hire you, let's get a little story.
[57:32.840 --> 57:39.160]  I'm going to hire you for one day so that you can set up my trust and you're going to
[57:39.160 --> 57:42.800]  convey the property that I would like into the trust.
[57:42.800 --> 57:43.800]  Okay.
[57:43.800 --> 57:45.040]  Once you do that, you go away.
[57:45.040 --> 57:46.040]  Right?
[57:46.040 --> 57:47.040]  Okay.
[57:47.040 --> 57:50.040]  You're going to give me power of attorney to do that.
[57:50.040 --> 57:51.040]  Yes.
[57:51.040 --> 57:52.040]  Yes.
[57:52.040 --> 57:53.040]  Okay.
[57:53.040 --> 57:57.280]  If you do that, then I act in your name as if I am you.
[57:57.280 --> 57:58.280]  Right.
[57:58.280 --> 58:02.280]  That does not give me separation items, you wouldn't even need it.
[58:02.280 --> 58:03.280]  Okay.
[58:03.280 --> 58:07.480]  I don't want to make this more complicated, but I just have a quick comment, but I think
[58:07.480 --> 58:09.480]  the music is coming, right?
[58:09.480 --> 58:12.880]  Okay, we will get to that on the other side.
[58:12.880 --> 58:15.840]  This is Randy Kelton, Deborah Stevens and Craig.
[58:15.840 --> 58:21.920]  We're going to the top of the hour break, so this would be a three-minute break.
[58:21.920 --> 58:26.520]  If you have some questions for us, get in line, the calls are stacking up.
[58:26.520 --> 58:31.600]  The sooner you get in line, the more likely we are to get to you before the break.
[58:31.600 --> 58:36.000]  You know how long-winded Eddie is on these Friday nights.
[58:36.000 --> 58:37.480]  He just never shuts up.
[58:37.480 --> 58:44.920]  Okay, our calling number, 512-646-1984, and when we come back, we will go to Carlos.
[58:44.920 --> 58:51.440]  I see Joshua, Leslie, and Steven from Pennsylvania, we've got two people in Pennsylvania, wonderful.
[58:51.440 --> 58:54.200]  Leslie, I'm glad to see you here tonight.
[58:54.200 --> 59:00.640]  Okay, we will be right back on the other side.
[59:00.640 --> 59:04.760]  Would you like to make more definite progress in your walk with God?
[59:04.760 --> 59:09.960]  Schools for America is offering a free study Bible and a set of free Christian books that
[59:09.960 --> 59:11.280]  can really help.
[59:11.280 --> 59:15.640]  The New Testament recovery version is one of the most comprehensive study Bibles available
[59:15.640 --> 59:16.640]  today.
[59:16.640 --> 59:20.640]  It's an accurate translation, and it contains thousands of footnotes that will help you
[59:20.640 --> 59:23.760]  to know God and to know the meaning of life.
[59:23.760 --> 59:29.000]  The free books are a three-volume set called Basic Elements of the Christian Life.
[59:29.000 --> 59:33.280]  Chapter by chapter, Basic Elements of the Christian Life clearly presents God's plan
[59:33.280 --> 59:39.240]  of salvation, growing in Christ and how to build up the church, to order your free New
[59:39.240 --> 59:44.320]  Testament recovery version and Basic Elements of the Christian Life.
[59:44.320 --> 59:57.080]  Call Bibles for America toll-free at 888-551-0102, that's 888-551-0102, or visit us online at
[59:57.080 --> 59:58.080]  bfa.org.
[59:58.080 --> 01:00:07.240]  We've all seen movies where the bad guys plan to bug in someone's office, but what
[01:00:07.240 --> 01:00:10.840]  if the government secretly bugged thousands of innocent people?
[01:00:10.840 --> 01:00:14.960]  I'm Dr. Catherine Albrecht, and I'll be back in a moment to tell you where it actually
[01:00:14.960 --> 01:00:16.840]  happened.
[01:00:16.840 --> 01:00:18.440]  Privacy is under attack.
[01:00:18.440 --> 01:00:22.040]  When you give up data about yourself, you'll never get it back again.
[01:00:22.040 --> 01:00:26.840]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[01:00:26.840 --> 01:00:31.680]  But protect your rights, say no to surveillance, and keep your information to yourself.
[01:00:31.680 --> 01:00:34.600]  Privacy, it's worth hanging on to.
[01:00:34.600 --> 01:00:38.920]  This public service announcement is brought to you by StartPage.com, the private search
[01:00:38.920 --> 01:00:42.400]  engine alternative to Google, Yahoo, and Bing.
[01:00:42.400 --> 01:00:45.840]  Start over with StartPage.
[01:00:45.840 --> 01:00:47.840]  It's the toll-tree and sponder from hell.
[01:00:47.840 --> 01:00:51.520]  You know the easy pass people stick on their windshields to pay for tolls?
[01:00:51.520 --> 01:00:55.200]  Here in the U.S., they track each time you pass through a toll booth.
[01:00:55.200 --> 01:00:59.640]  That's pretty bad, but it's nothing compared to what they did in China.
[01:00:59.640 --> 01:01:04.160]  According to a Hong Kong newspaper, the Chinese government secretly hid powerful listening
[01:01:04.160 --> 01:01:08.760]  devices and the windshield transponders issued to Chinese drivers.
[01:01:08.760 --> 01:01:13.840]  Experts say the devices could pick up conversations and transmit them miles away to government
[01:01:13.840 --> 01:01:14.840]  authorities.
[01:01:14.840 --> 01:01:19.200]  Thousands of innocent people are believed to have been spied on in this way since 2007.
[01:01:19.200 --> 01:01:24.040]  Talk about a Trojan horse, or a Chinese one.
[01:01:24.040 --> 01:01:25.480]  I'm Dr. Catherine Albrecht.
[01:01:25.480 --> 01:01:32.680]  More news and information at CatherineAlbrecht.com.
[01:01:32.680 --> 01:01:37.880]  The Stasi East German secret police used to count your prisoners sent on pieces of felt
[01:01:37.880 --> 01:01:41.760]  stored in glass jars so dogs could hunt them down later.
[01:01:41.760 --> 01:01:43.920]  Unfortunately, some things never change.
[01:01:43.920 --> 01:01:48.000]  I'm Dr. Catherine Albrecht, and I'll be back with more.
[01:01:48.000 --> 01:01:49.600]  Privacy is under attack.
[01:01:49.600 --> 01:01:53.200]  When you give up data about yourself, you'll never get it back again.
[01:01:53.200 --> 01:01:57.960]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[01:01:57.960 --> 01:02:02.920]  So protect your rights, say no to surveillance, and keep your information to yourself.
[01:02:02.920 --> 01:02:05.720]  Privacy, it's worth hanging on to.
[01:02:05.720 --> 01:02:10.040]  This public service announcement is brought to you by StartPage.com, the private search
[01:02:10.040 --> 01:02:13.520]  engine alternative to Google, Yahoo, and Bing.
[01:02:13.520 --> 01:02:17.000]  Start over with StartPage.
[01:02:17.000 --> 01:02:22.080]  In Germany, 68-year-old leftist Fritz S. thought he'd seen it all, till officials knocked
[01:02:22.080 --> 01:02:26.320]  on his door in 2007 demanding something new, his smell.
[01:02:26.320 --> 01:02:30.800]  They thought the aging revolutionary might disrupt the G8 summit, so they made him hold
[01:02:30.800 --> 01:02:35.600]  little metal tubes in his hands for several minutes to collect his scent, just in case.
[01:02:35.600 --> 01:02:40.840]  Around that same time, the U.S. government sought research proposals for a similar system
[01:02:40.840 --> 01:02:43.560]  to collect human scent for tracking purposes.
[01:02:43.560 --> 01:02:48.960]  Those creepy interrogation jars I mentioned can be seen at the Stasi Museum in Berlin,
[01:02:48.960 --> 01:02:52.400]  along with other devices of surveillance and state control.
[01:02:52.400 --> 01:02:54.960]  Look closely, you may see our future.
[01:02:54.960 --> 01:03:19.960]  I'm Dr. Catherine Albrecht, more news and information at CatherineAlbrecht.com.
[01:03:24.960 --> 01:03:53.960]  We are back, Randy Kelpin, David Craig with the radio, and we're talking to Carlos
[01:03:53.960 --> 01:03:54.960]  in California.
[01:03:54.960 --> 01:03:55.960]  Okay, Carlos.
[01:03:55.960 --> 01:03:56.960]  You are up.
[01:03:56.960 --> 01:03:57.960]  Thank you.
[01:03:57.960 --> 01:04:01.960]  And I'll stop interrupting you.
[01:04:01.960 --> 01:04:02.960]  Okay.
[01:04:02.960 --> 01:04:03.960]  Now, maybe.
[01:04:03.960 --> 01:04:04.960]  Okay, good.
[01:04:04.960 --> 01:04:10.200]  I had a comment, but before I have a comment, we spoke about three weeks ago, and you told
[01:04:10.200 --> 01:04:18.200]  me to go in front of a judge expert's hand and show him where the notice of default was
[01:04:18.200 --> 01:04:25.120]  not right, and it was effectuated, and it was delivered before the substitution of trustee
[01:04:25.120 --> 01:04:26.120]  backwards.
[01:04:26.120 --> 01:04:31.680]  I want to go to the judge in front of him and tell him, fix this in the current records.
[01:04:31.680 --> 01:04:34.120]  And you called that, you didn't call it declaratory relief.
[01:04:34.120 --> 01:04:35.120]  What did you call it?
[01:04:35.120 --> 01:04:36.120]  Yeah, declaratory adjustment.
[01:04:36.120 --> 01:04:37.120]  Yeah, that's what you're asking for.
[01:04:37.120 --> 01:04:38.120]  Declareatory adjustment.
[01:04:38.120 --> 01:04:39.120]  Okay, very good.
[01:04:39.120 --> 01:04:40.120]  Yeah.
[01:04:40.120 --> 01:04:41.120]  You're not asking for money.
[01:04:41.120 --> 01:04:50.840]  You're not asking for any kind of relief other than a declaratory judgment.
[01:04:50.840 --> 01:04:59.240]  Declareatory judgments, no one has any immunity from a suit for declaratory judgment.
[01:04:59.240 --> 01:05:01.920]  You could sue the government for a declaratory judgment.
[01:05:01.920 --> 01:05:06.240]  If you're not asking for money, they don't have any immunity.
[01:05:06.240 --> 01:05:07.240]  Okay.
[01:05:07.240 --> 01:05:08.240]  Great.
[01:05:08.240 --> 01:05:09.240]  Great.
[01:05:09.240 --> 01:05:18.360]  If you're not asking for any money or any compensation, you want to ask the judge to
[01:05:18.360 --> 01:05:24.840]  do something that's relatively easy for him to do.
[01:05:24.840 --> 01:05:31.200]  Another thing we've dealt with and talked about are pleasing abatement.
[01:05:31.200 --> 01:05:36.560]  And they're great to put in front of a judge, especially if you're facing eviction.
[01:05:36.560 --> 01:05:44.160]  You don't want to go to the judge and ask for a file of motion for lack of subject matter
[01:05:44.160 --> 01:05:53.400]  jurisdiction because you're asking the judge to completely toss this other person's claim.
[01:05:53.400 --> 01:06:00.600]  And you haven't necessarily proved up your side well enough for the judge to be willing
[01:06:00.600 --> 01:06:06.400]  to throw out somebody else's potential remedy.
[01:06:06.400 --> 01:06:10.360]  But as you go to the judge and ask him something that's more easy, you say, your honor, this
[01:06:10.360 --> 01:06:11.520]  is a pleasing abatement.
[01:06:11.520 --> 01:06:17.880]  All we're asking you to do is maintain the status quo.
[01:06:17.880 --> 01:06:22.880]  Asking to stop and hold off for the time being.
[01:06:22.880 --> 01:06:29.320]  The appealing abatement against the lender is you file a plea and abatement asking the
[01:06:29.320 --> 01:06:36.320]  court to restrict the lender from any further action until he proves that he is a criminal
[01:06:36.320 --> 01:06:44.360]  the singular holder of the note to the exclusion of all others.
[01:06:44.360 --> 01:06:49.120]  Now if he's securitized note, that's something he can't do.
[01:06:49.120 --> 01:06:53.800]  But you haven't asked the judge to throw out his case.
[01:06:53.800 --> 01:06:56.720]  If he can prove up that he's the holder, then he has a case.
[01:06:56.720 --> 01:07:01.480]  He can come back in a few cases issue, but we know he can't.
[01:07:01.480 --> 01:07:07.200]  So it has the same outcome, it's just easier for the judge to do.
[01:07:07.200 --> 01:07:08.200]  Okay.
[01:07:08.200 --> 01:07:09.200]  Go ahead, Kuros.
[01:07:09.200 --> 01:07:10.200]  Yeah.
[01:07:10.200 --> 01:07:16.680]  The only thing that I want him is to correct the records because by law in California before
[01:07:16.680 --> 01:07:24.960]  they substitute the trustee, I'm sorry, before they give a notice of default, there has to
[01:07:24.960 --> 01:07:29.800]  be a trustee in position, right?
[01:07:29.800 --> 01:07:35.280]  And they think of default first and then later they substitute the trustee and that's backwards.
[01:07:35.280 --> 01:07:38.320]  I want to fix that on the record.
[01:07:38.320 --> 01:07:42.880]  That is the Bevilakwa case in Massachusetts.
[01:07:42.880 --> 01:07:46.560]  That's exactly what they said.
[01:07:46.560 --> 01:07:54.800]  A person purchased property, he went to the land court in Massachusetts, they have a land
[01:07:54.800 --> 01:08:00.520]  court just for this, and asked for quiet title.
[01:08:00.520 --> 01:08:07.800]  And the land court looked at his records and said, based on these records, the foreclosing
[01:08:07.800 --> 01:08:14.760]  agent did not receive an assignment or an appointment of agency until a week after he
[01:08:14.760 --> 01:08:17.680]  sent a notice of default.
[01:08:17.680 --> 01:08:29.320]  Therefore, you purchased from the agent what the agent had to sell, which was nothing.
[01:08:29.320 --> 01:08:31.800]  So you're exactly right, Kuros.
[01:08:31.800 --> 01:08:32.800]  Okay.
[01:08:32.800 --> 01:08:40.000]  And my comment, I always tell this comment every time I go because there has been a lot
[01:08:40.000 --> 01:08:45.520]  of people that's been proposed, okay, and I want to make it more aware in case because
[01:08:45.520 --> 01:08:50.520]  I found this by accident, I was foreclosed by Wells Fargo, okay, good.
[01:08:50.520 --> 01:08:55.480]  Well, it wasn't good, but for now it's good.
[01:08:55.480 --> 01:09:02.520]  And then when I receive my trustee's deed up on sale, when they sell you property they
[01:09:02.520 --> 01:09:05.640]  send you a deed, right?
[01:09:05.640 --> 01:09:06.640]  The property...
[01:09:06.640 --> 01:09:09.720]  That's a warranty deed.
[01:09:09.720 --> 01:09:12.720]  Out here in California is trustee's deed up on sale.
[01:09:12.720 --> 01:09:16.520]  No, no, I'm sorry, in California it's a grant deed.
[01:09:16.520 --> 01:09:22.320]  The trustee's deed is the one you give to the borrower, the lender, you get a grant
[01:09:22.320 --> 01:09:23.320]  deed.
[01:09:23.320 --> 01:09:29.520]  Yes, but I'm talking when they sell you a home at a trustee's sale.
[01:09:29.520 --> 01:09:32.000]  Oh, at a trustee's sale?
[01:09:32.000 --> 01:09:33.520]  Oh, okay, go ahead.
[01:09:33.520 --> 01:09:37.200]  Let me make my point, and then you'll correct me, please.
[01:09:37.200 --> 01:09:38.200]  Okay.
[01:09:38.200 --> 01:09:39.200]  Okay.
[01:09:39.200 --> 01:09:40.680]  My home was sold at a trustee's sale.
[01:09:40.680 --> 01:09:44.560]  I was foreclosed by Wells Fargo, okay.
[01:09:44.560 --> 01:09:55.000]  Therefore, after that sale they create a trusted deed up on sale, a special deed that was generated
[01:09:55.000 --> 01:10:01.360]  through the sale or share sale or whatever you want to call it, okay, foreclosure sale.
[01:10:01.360 --> 01:10:02.360]  Yes.
[01:10:02.360 --> 01:10:03.360]  Okay, great.
[01:10:03.360 --> 01:10:04.360]  Okay.
[01:10:04.360 --> 01:10:08.760]  Now, the property did not sell, so it went back to Wells Fargo, okay.
[01:10:08.760 --> 01:10:11.800]  We're clear there.
[01:10:11.800 --> 01:10:19.560]  When I looked at my deed, okay, when I looked at my deed, the grant deed that was Fargo
[01:10:19.560 --> 01:10:25.920]  because the home went back to Wells Fargo, right, it says very clearly the grant deed,
[01:10:25.920 --> 01:10:32.760]  the foreclosing beneficiary was not the grant deed.
[01:10:32.760 --> 01:10:37.760]  Are you with me?
[01:10:37.760 --> 01:10:45.840]  The foreclosing beneficiary, the foreclosing beneficiary, that's Wells Fargo, who foreclosed
[01:10:45.840 --> 01:11:01.560]  on me, okay, was not the grantee, so the foreclosing entity did not hold, right, was not the holder
[01:11:01.560 --> 01:11:04.040]  of the note, right.
[01:11:04.040 --> 01:11:09.240]  But in wardings, they changed everything just by the warding.
[01:11:09.240 --> 01:11:15.120]  They didn't say, Wells Fargo, they said the grantee was not the foreclosing beneficiary.
[01:11:15.120 --> 01:11:16.120]  See?
[01:11:16.120 --> 01:11:21.600]  Okay, I'll make it real quick.
[01:11:21.600 --> 01:11:29.760]  That would seem to defy the claim that would have to be made in order to foreclose.
[01:11:29.760 --> 01:11:30.760]  Right.
[01:11:30.760 --> 01:11:33.240]  Now, who has the right to foreclose?
[01:11:33.240 --> 01:11:35.920]  But foreclosing beneficiary, right?
[01:11:35.920 --> 01:11:39.960]  Right, that's exactly where it's going.
[01:11:39.960 --> 01:11:46.320]  If he wasn't the beneficiary, if he didn't have the, being the beneficiary is what gives
[01:11:46.320 --> 01:11:48.200]  him a claim.
[01:11:48.200 --> 01:11:49.200]  Right.
[01:11:49.200 --> 01:11:53.360]  If he's not the beneficiary, he doesn't have the claim to make.
[01:11:53.360 --> 01:11:58.000]  Yeah, I want to make this, because it's confusing, I want to make real simple for someone that
[01:11:58.000 --> 01:12:03.640]  has been foreclosed, pay very, very close attention to that deed after the home is no
[01:12:03.640 --> 01:12:09.840]  longer yours, you receive a deed which is called the trustee's deed upon sale, trustee
[01:12:09.840 --> 01:12:13.000]  because it was at a trustee sale, okay.
[01:12:13.000 --> 01:12:20.240]  On mine, I'm going back to step one, I was foreclosed by Wells Fargo, okay, and the property
[01:12:20.240 --> 01:12:21.240]  did not sell.
[01:12:21.240 --> 01:12:27.120]  So therefore, the trustee gave it back to Wells Fargo, okay, clear enough.
[01:12:27.120 --> 01:12:32.840]  But on the deed, it says that Wells Fargo was not the foreclosing party.
[01:12:32.840 --> 01:12:40.760]  Wait a minute, okay, the trustee gave it back to Wells Fargo.
[01:12:40.760 --> 01:12:48.000]  The Wells Fargo supposedly already had it, okay, so it's clear.
[01:12:48.000 --> 01:12:55.080]  Randall, in California, Wells Fargo has to give it to the trustee for them to sell it,
[01:12:55.080 --> 01:12:56.080]  right?
[01:12:56.080 --> 01:13:01.480]  If it doesn't sell, the trustee gives it back to Wells Fargo.
[01:13:01.480 --> 01:13:02.480]  That's what it is.
[01:13:02.480 --> 01:13:03.480]  Okay.
[01:13:03.480 --> 01:13:04.480]  That's my case.
[01:13:04.480 --> 01:13:05.480]  Now...
[01:13:05.480 --> 01:13:14.520]  And now you're saying that Wells Fargo never held a deed to transfer to the substitute
[01:13:14.520 --> 01:13:15.520]  trustee.
[01:13:15.520 --> 01:13:20.880]  Yes, they never had anything, that's why they trick you into voting.
[01:13:20.880 --> 01:13:24.200]  They trick you as grantor, grantee.
[01:13:24.200 --> 01:13:31.440]  They don't say Wells Fargo, they say the grantee was not the foreclosing party.
[01:13:31.440 --> 01:13:37.120]  Wells Fargo was not the foreclosing party, so who in the house foreclosed on me?
[01:13:37.120 --> 01:13:39.120]  The substitute trustee.
[01:13:39.120 --> 01:13:43.960]  Yeah, yeah, but check...
[01:13:43.960 --> 01:13:51.560]  But if Wells Fargo did not hold the note, if they didn't hold beneficial interest in
[01:13:51.560 --> 01:13:58.160]  the note, they could not appoint the substitute trustee, and that's what's been said about
[01:13:58.160 --> 01:13:59.160]  MERS.
[01:13:59.160 --> 01:14:00.160]  Right, right.
[01:14:00.160 --> 01:14:05.000]  And I'm glad you bring this, MERS, and this is the last thing I'm going to say.
[01:14:05.000 --> 01:14:10.120]  MERS has the right, they have the...
[01:14:10.120 --> 01:14:15.360]  Someone can do the paperwork and assign the note and assign whatever they have to assign
[01:14:15.360 --> 01:14:22.360]  in California in order for them to foreclose legally in California, but there's one big
[01:14:22.360 --> 01:14:23.360]  thing.
[01:14:23.360 --> 01:14:28.520]  It has to be an agent of MERS, whoever signs those documents, they're never an agent, and
[01:14:28.520 --> 01:14:29.520]  nobody does that.
[01:14:29.520 --> 01:14:38.520]  Well, now wait a minute, the issue about that is, is MERS doesn't have any power to act.
[01:14:38.520 --> 01:14:40.880]  MERS is merely the beneficiary.
[01:14:40.880 --> 01:14:43.720]  Right, that's in your...
[01:14:43.720 --> 01:14:46.520]  You didn't... this is a trust.
[01:14:46.520 --> 01:14:57.040]  If MERS has power to act, then it's not a trust, it's a grant, and if it's a grant, it
[01:14:57.040 --> 01:15:03.640]  was created without full disclosure because you were led to believe that it was a trust,
[01:15:03.640 --> 01:15:10.520]  and the only one in a trust who can do anything is the trustee, not the beneficiary.
[01:15:10.520 --> 01:15:13.920]  No, in California, they don't care.
[01:15:13.920 --> 01:15:18.800]  I'm telling you because of my experience and what I see, and I'm in court every Monday,
[01:15:18.800 --> 01:15:20.600]  this is what's going on.
[01:15:20.600 --> 01:15:29.320]  MERS can foreclose on you, he can have someone assign those documents, but the secret is
[01:15:29.320 --> 01:15:34.560]  that person who has assigned those documents has to be an agent, and he's never an agent.
[01:15:34.560 --> 01:15:36.360]  That's my point.
[01:15:36.360 --> 01:15:37.360]  That's huge.
[01:15:37.360 --> 01:15:46.160]  Does MERS have some type of register containing all of their agents?
[01:15:46.160 --> 01:15:47.160]  No.
[01:15:47.160 --> 01:15:48.160]  And...
[01:15:48.160 --> 01:15:51.080]  They're all bogus, that's what I'm saying.
[01:15:51.080 --> 01:15:53.080]  Okay, how do we develop that?
[01:15:53.080 --> 01:15:55.400]  How do we demonstrate that they're bogus?
[01:15:55.400 --> 01:16:01.000]  Well, we have to ask them for their agency, and they don't have it.
[01:16:01.000 --> 01:16:08.160]  If you tell the judge, your honor, whoever did that assignment so-and-so was not an agent
[01:16:08.160 --> 01:16:10.840]  of MERS, and that's it.
[01:16:10.840 --> 01:16:11.840]  Don't tell them...
[01:16:11.840 --> 01:16:12.840]  Okay.
[01:16:12.840 --> 01:16:21.560]  And they would have to present to the court a contract or an agreement between that...
[01:16:21.560 --> 01:16:26.480]  Something from MERS that appointed them as an agent for MERS.
[01:16:26.480 --> 01:16:27.720]  Is that where you're going?
[01:16:27.720 --> 01:16:28.720]  Yes.
[01:16:28.720 --> 01:16:32.960]  They would have to prove agency, and there's no agency, and they're all robo-signers, but
[01:16:32.960 --> 01:16:33.960]  nobody brings it up.
[01:16:33.960 --> 01:16:34.960]  That's my point.
[01:16:34.960 --> 01:16:35.960]  Exactly.
[01:16:35.960 --> 01:16:39.920]  Agency cannot be proven out of the mouth of the agent, it must be proven out of the
[01:16:39.920 --> 01:16:44.680]  mouth of the principal, and it has to be done with documentation.
[01:16:44.680 --> 01:16:48.240]  This is Van de Kelp and Van Steve and Van Craig, we'll go to the radio.
[01:16:48.240 --> 01:16:49.240]  Thank you, Carlos.
[01:16:49.240 --> 01:16:50.240]  Thank you.
[01:16:50.240 --> 01:16:51.240]  When we come back, we'll pick up Joshua.
[01:16:51.240 --> 01:16:54.480]  I know you've been patient.
[01:16:54.480 --> 01:16:57.560]  Call in number 512-646-1984.
[01:16:57.560 --> 01:17:01.280]  Carlos, for calling me in early, he always said...
[01:17:01.280 --> 01:17:05.480]  Capital Coin & Bullion is a family-owned business built on the promise to bring you affordable
[01:17:05.480 --> 01:17:08.560]  pricing on all Coin & Bullion products.
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[01:17:28.240 --> 01:17:32.760]  Call us at 512-646-6404 for more details.
[01:17:32.760 --> 01:17:37.880]  As always, we buy, sell, and trade precious metals, give appraisals, and cater to those
[01:17:37.880 --> 01:17:40.280]  with all sizes of coin collections.
[01:17:40.280 --> 01:17:45.360]  We're located at 7304 Burnett Road, Suite A, about a half a mile north of Canig, next
[01:17:45.360 --> 01:17:48.040]  to the Ikebon Sushi & Genie Car Wash.
[01:17:48.040 --> 01:17:51.720]  We're open Monday through Friday, 10 to 6, Saturdays, 10 to 2.
[01:17:51.720 --> 01:17:58.160]  Visit us at CapitalCoinandBullion.com or call 512-646-6404 and say you heard about us on
[01:17:58.160 --> 01:18:01.320]  Rule of Law Radio or Texas Liberty Radio.
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[01:19:19.120 --> 01:19:26.120]  You ain't gonna fool me with that same old trick again.
[01:19:26.120 --> 01:19:27.120]  Okay.
[01:19:27.120 --> 01:19:28.120]  We're back.
[01:19:28.120 --> 01:19:31.120]  We ran the Celtics games at Craig's Super Radio.
[01:19:31.120 --> 01:19:34.120]  You put the fear in my pockets.
[01:19:34.120 --> 01:19:37.120]  Carlos, did you have anything else to say?
[01:19:37.120 --> 01:19:41.120]  You ain't gonna fool me with that same old trick again.
[01:19:41.120 --> 01:19:44.120]  Carlos, are you there?
[01:19:44.120 --> 01:19:45.120]  Okay.
[01:19:45.120 --> 01:19:49.120]  It looks like I put Carlos to sleep.
[01:19:49.120 --> 01:19:53.120]  Now we're gonna go to Leslie in Pennsylvania.
[01:19:53.120 --> 01:19:57.120]  Leslie, glad you could come on tonight.
[01:19:57.120 --> 01:20:00.120]  Happy I could.
[01:20:00.120 --> 01:20:03.120]  You were talking about Mer's employees.
[01:20:03.120 --> 01:20:05.120]  They have 40 for the whole country.
[01:20:05.120 --> 01:20:08.120]  So they're very busy, I guess.
[01:20:08.120 --> 01:20:09.120]  It's 40?
[01:20:09.120 --> 01:20:10.120]  40.
[01:20:10.120 --> 01:20:13.120]  Do you have a list of those 40?
[01:20:13.120 --> 01:20:22.120]  No, it was given in testimony in Congress, actually, that there was about 40 people that
[01:20:22.120 --> 01:20:24.120]  they have working for them.
[01:20:24.120 --> 01:20:30.120]  What they do is the people that have banks that are members have a list of people that
[01:20:30.120 --> 01:20:37.120]  they have approved to sign documents with as agents of Mer's.
[01:20:37.120 --> 01:20:45.120]  Has anybody to your knowledge ever subpoenaed that information?
[01:20:45.120 --> 01:20:52.120]  There was some testimony by someone that worked for Mer's in a court case.
[01:20:52.120 --> 01:20:53.120]  I'll have to look it up.
[01:20:53.120 --> 01:20:58.120]  I've got it somewhere in my file that gives testimony of how it works.
[01:20:58.120 --> 01:21:06.120]  What they do is, I think it's like for a fee of like 50 or $75 or something, they send
[01:21:06.120 --> 01:21:11.120]  their name for approval to sign on behalf of Mer's and then it's approved by the bank
[01:21:11.120 --> 01:21:15.120]  and it takes a couple days or whatever for approval.
[01:21:15.120 --> 01:21:19.120]  Do you have any idea what the conditions for approval are?
[01:21:19.120 --> 01:21:24.120]  No, they could be entry level people, but they're still vice presidents.
[01:21:24.120 --> 01:21:29.120]  Oh, so stand upright and breathe?
[01:21:29.120 --> 01:21:39.120]  They could be entry level clerks and they get to be vice presidents of Mer's.
[01:21:39.120 --> 01:21:44.120]  So what does vice president of Mer's mean?
[01:21:44.120 --> 01:21:50.120]  A signatory for vice president and no official capacity at all?
[01:21:50.120 --> 01:21:54.120]  And yes, and no payment, no employment, nothing.
[01:21:54.120 --> 01:22:01.120]  It's kind of like if I started a multi-level marketing business and I called all the entry
[01:22:01.120 --> 01:22:03.120]  level people kings.
[01:22:03.120 --> 01:22:04.120]  Yes.
[01:22:04.120 --> 01:22:13.120]  If you were to start a mortgage company, it wouldn't take much and just get five of your
[01:22:13.120 --> 01:22:20.120]  people to be signed as agents of Mer's as vice presidents.
[01:22:20.120 --> 01:22:22.120]  You could go crazy.
[01:22:22.120 --> 01:22:26.120]  You could be signed and mortgages are great, like nuts.
[01:22:26.120 --> 01:22:32.120]  Okay, this goes to commercial law.
[01:22:32.120 --> 01:22:45.120]  If I have a corporation, what limits exist on my ability to grant people authority to
[01:22:45.120 --> 01:22:49.120]  sign documentation on my behalf?
[01:22:49.120 --> 01:22:54.120]  They have to be mortgages.
[01:22:54.120 --> 01:22:58.120]  Well, whatever the rules established by the board of directors are, is your limit.
[01:22:58.120 --> 01:22:59.120]  That's it.
[01:22:59.120 --> 01:23:04.120]  Yeah, that was my concern and that's why I asked that question the way I did.
[01:23:04.120 --> 01:23:06.120]  Yeah, it's on the Mer's website.
[01:23:06.120 --> 01:23:10.120]  They have everything listed there.
[01:23:10.120 --> 01:23:20.120]  But if Mer's did in fact pull people off the street and give them effective power of attorney
[01:23:20.120 --> 01:23:24.120]  to sign this documentation in their name.
[01:23:24.120 --> 01:23:25.120]  Yes.
[01:23:25.120 --> 01:23:28.120]  Is that illegal?
[01:23:28.120 --> 01:23:32.120]  Well, actually, they're employed by the banks.
[01:23:32.120 --> 01:23:34.120]  We don't get to say that.
[01:23:34.120 --> 01:23:35.120]  Okay.
[01:23:35.120 --> 01:23:45.120]  Back to the question, if Mer's, regardless of who you're employed by, could Mer's authorize
[01:23:45.120 --> 01:23:50.120]  anybody they want to to sign documents on their behalf?
[01:23:50.120 --> 01:23:54.120]  They've been doing it for how many years?
[01:23:54.120 --> 01:24:00.120]  Okay, I'm not being argumentative or anything like that.
[01:24:00.120 --> 01:24:02.120]  I'm an engineer here.
[01:24:02.120 --> 01:24:06.120]  It's about the corporation law.
[01:24:06.120 --> 01:24:10.120]  All I know is what they're saying on their website.
[01:24:10.120 --> 01:24:16.120]  Yeah, I'm trying to find a way to kick them in their teeth.
[01:24:16.120 --> 01:24:25.120]  I can send you a link of the different rules that they have that's right listed on their website.
[01:24:25.120 --> 01:24:27.120]  Okay, these are Mer's rules?
[01:24:27.120 --> 01:24:28.120]  Yeah.
[01:24:28.120 --> 01:24:37.120]  Okay, well, it was fit that if Mer's is going to maintain any kind of credibility, they
[01:24:37.120 --> 01:24:40.120]  have to have a certain number of restrictions.
[01:24:40.120 --> 01:24:49.120]  On your Skype, you will find a Mer's document that's with the office of the controller of
[01:24:49.120 --> 01:24:54.120]  the currency, and it deals exactly with that.
[01:24:54.120 --> 01:24:55.120]  Good.
[01:24:55.120 --> 01:24:58.120]  This is just, okay, that's exactly where I was going.
[01:24:58.120 --> 01:25:04.120]  I need, if I'm going to kick Mer's for doing this, I need something substantial.
[01:25:04.120 --> 01:25:12.120]  Well, this is from the office of the controller of the currency as a cease and desist order.
[01:25:12.120 --> 01:25:14.120]  Oh, yeah.
[01:25:14.120 --> 01:25:17.120]  Okay, okay, are you familiar with the cease and desist order?
[01:25:17.120 --> 01:25:19.120]  Can you address it?
[01:25:19.120 --> 01:25:24.120]  Well, actually what it's telling them to do is straighten up.
[01:25:24.120 --> 01:25:27.120]  We need more specifics.
[01:25:27.120 --> 01:25:33.120]  If I'm going to go into court, okay, cease and desist order from the controller of the
[01:25:33.120 --> 01:25:40.120]  currency, I can go into court and call this collateral a stop-all.
[01:25:40.120 --> 01:25:43.120]  Yeah, I think so.
[01:25:43.120 --> 01:25:51.120]  Okay, if you've been ruled, say if I go into court and we have a client who, Deutsche
[01:25:51.120 --> 01:26:05.120]  Bank is foreclosing on them, there was, but Deutsche Bank had been sued by Chase over
[01:26:05.120 --> 01:26:12.120]  a block of notes that this note was included in.
[01:26:12.120 --> 01:26:22.120]  And in that case, Deutsche Bank filed a document stating that they had no interest in these
[01:26:22.120 --> 01:26:23.120]  notes.
[01:26:23.120 --> 01:26:30.120]  Now she had this in hand, and then she had Deutsche Bank trying to foreclose on this
[01:26:30.120 --> 01:26:31.120]  note.
[01:26:31.120 --> 01:26:39.120]  So how it works in law, you cannot take mutually exclusive positions.
[01:26:39.120 --> 01:26:47.120]  So if in this case you took this position, you can't come in another case and take a
[01:26:47.120 --> 01:26:49.120]  diametrically opposed position.
[01:26:49.120 --> 01:26:52.120]  You are subject to collateral a stop-all.
[01:26:52.120 --> 01:27:04.120]  If you come into the court, as MERS did in the landmark V. Kessler case in Kansas, and
[01:27:04.120 --> 01:27:13.120]  you make this argument about the nature of your business model, and because of the way
[01:27:13.120 --> 01:27:17.120]  you do things, you are the nominee for the lender.
[01:27:17.120 --> 01:27:22.120]  And the court says, we don't know what a nominee is.
[01:27:22.120 --> 01:27:27.120]  You don't have any standing to get out of our court.
[01:27:27.120 --> 01:27:31.120]  Then that goes to collateral stop-all.
[01:27:31.120 --> 01:27:39.120]  You come into another court and make that same argument because they are stopped.
[01:27:39.120 --> 01:27:46.120]  They've been ruled against in one court, and I'm always looking for collateral a stop-all.
[01:27:46.120 --> 01:27:54.120]  So what did the comptroller say about MERS's business model?
[01:27:54.120 --> 01:28:01.120]  Well, they're saying that they want them to start making reports in compliance with different
[01:28:01.120 --> 01:28:08.120]  walls, and with the way their foreclosure things are isn't working right, and they
[01:28:08.120 --> 01:28:10.120]  need to try and sell this stuff.
[01:28:10.120 --> 01:28:12.120]  I would have to read it to find...
[01:28:12.120 --> 01:28:14.120]  Yeah, it goes a lot of different...
[01:28:14.120 --> 01:28:15.120]  It's very long.
[01:28:15.120 --> 01:28:18.120]  I mean, it's like 15, 20 pages.
[01:28:18.120 --> 01:28:20.120]  It's 31 pages.
[01:28:20.120 --> 01:28:30.120]  Okay, anywhere where the comptroller, the currency has made a determination that a practice
[01:28:30.120 --> 01:28:38.120]  by MERS was improper that we can use for collateral a stop-all.
[01:28:38.120 --> 01:28:43.120]  And collateral a stop-all is a great argument.
[01:28:43.120 --> 01:28:50.120]  And in the courts, they have a lot of issues coming in front of them all the time.
[01:28:50.120 --> 01:28:58.120]  And the courts have said, what we have addressed an issue, we do not want to have to go back
[01:28:58.120 --> 01:28:59.120]  there.
[01:28:59.120 --> 01:29:08.120]  So if we have ruled against a particular argument, if you're a lawyer, you are subject to collateral
[01:29:08.120 --> 01:29:09.120]  a stop-all.
[01:29:09.120 --> 01:29:15.120]  Do not bring that argument back and try to force us to adjudicate the same argument again.
[01:29:15.120 --> 01:29:20.120]  Been there, done that, don't want to go back.
[01:29:20.120 --> 01:29:21.120]  Right.
[01:29:21.120 --> 01:29:25.120]  From our perspective, this is what we want to look at.
[01:29:25.120 --> 01:29:27.120]  One of the things I would very much like to do...
[01:29:27.120 --> 01:29:30.120]  See, which you can find out, but it's there for you.
[01:29:30.120 --> 01:29:34.120]  Okay, now, the second thing I want to tell you about was...
[01:29:34.120 --> 01:29:39.120]  Remember last week when I called in, we were discussing Louisiana and that...
[01:29:39.120 --> 01:29:40.120]  What is it?
[01:29:40.120 --> 01:29:42.120]  3.2 million?
[01:29:42.120 --> 01:29:43.120]  Louisiana.
[01:29:43.120 --> 01:29:47.120]  Louisiana is a whole different planet.
[01:29:47.120 --> 01:29:48.120]  Okay, this is...
[01:29:48.120 --> 01:29:49.120]  Hold on, let's see.
[01:29:49.120 --> 01:29:51.120]  We'll talk about that on the other side.
[01:29:51.120 --> 01:29:56.120]  This is Randy Kelton, Deborah Stevens, Eddie Craig, Rue Blau Radio.
[01:29:56.120 --> 01:30:00.120]  They have Coonasses Red Bones in Louisiana.
[01:30:00.120 --> 01:30:07.120]  A Novel Live in Oklahoma City, 1995 will change forever the way you look at the true nature of terrorism.
[01:30:07.120 --> 01:30:11.120]  Based on the damage pattern to the building, but the government seems impossible.
[01:30:11.120 --> 01:30:14.120]  The grand jury did not want to hear anything I had to say.
[01:30:14.120 --> 01:30:18.120]  The decision was made not to pursue any more of those individuals.
[01:30:18.120 --> 01:30:23.120]  Some of these columns were ripped up, shredded, tossed around.
[01:30:23.120 --> 01:30:27.120]  The people that did the things they did knew going on well what they were doing.
[01:30:27.120 --> 01:30:31.120]  We will expose the cover-up now at alovelive.com.
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[01:32:28.120 --> 01:32:33.120]  Okay, we are back.
[01:32:33.120 --> 01:32:42.120]  We're talking to Leslie in Pennsylvania, Joshua, Florida, Steve in Pennsylvania,
[01:32:42.120 --> 01:32:45.120]  Jeff in Mississippi, Chris in Texas.
[01:32:45.120 --> 01:32:47.120]  I see you.
[01:32:47.120 --> 01:32:49.120]  We will end.
[01:32:49.120 --> 01:32:50.120]  Okay, good.
[01:32:50.120 --> 01:32:53.120]  Yeah, we've got a pretty good board building up.
[01:32:53.120 --> 01:32:58.120]  I'll give to you shortly.
[01:32:58.120 --> 01:33:03.120]  Leslie, excuse me, I've got to mute you here.
[01:33:03.120 --> 01:33:06.120]  I'm losing track of where I'm at here.
[01:33:06.120 --> 01:33:08.120]  Deborah, kill me for that.
[01:33:08.120 --> 01:33:10.120]  Okay, Leslie, we're back.
[01:33:10.120 --> 01:33:13.120]  Okay, Welburn versus Bank of New York.
[01:33:13.120 --> 01:33:27.120]  We have 23 clerks of the court in Louisiana filing a RICO action against MERS members.
[01:33:27.120 --> 01:33:29.120]  RICO?
[01:33:29.120 --> 01:33:31.120]  Okay, hold on.
[01:33:31.120 --> 01:33:35.120]  RICO MERS members.
[01:33:35.120 --> 01:33:42.120]  I take it when you say members, you're talking about these people who work for a lender.
[01:33:42.120 --> 01:33:43.120]  Bank.
[01:33:43.120 --> 01:33:45.120]  Who signs for MERS.
[01:33:45.120 --> 01:33:50.120]  No, the banks themselves are members.
[01:33:50.120 --> 01:33:52.120]  Okay, good.
[01:33:52.120 --> 01:33:57.120]  We're talking about US Bank, JPMorgan Chase, HSBC.
[01:33:57.120 --> 01:34:01.120]  Oh, okay, so 24 banks?
[01:34:01.120 --> 01:34:11.120]  Actually, let me see, 19 banks and 23 clerks of the court.
[01:34:11.120 --> 01:34:12.120]  Okay.
[01:34:12.120 --> 01:34:19.120]  Are filing RICO action against these members.
[01:34:19.120 --> 01:34:24.120]  What is the RICO claim?
[01:34:24.120 --> 01:34:31.120]  The RICO statute provides unlawful for any person employed by or associated with any enterprise-engaged
[01:34:31.120 --> 01:34:42.120]  interactivity, interstate foreign commerce to participate directly or indirectly in the conduct of an enterprise affairs to a pattern of racketeering activity or collection of unlawful debt.
[01:34:42.120 --> 01:34:56.120]  The RICO statute provides private cause of action to any person who has been injured in their business or property by reasoning that the qualifying enterprise is the fair through the pattern of acts indictable as mail or wire fraud.
[01:34:56.120 --> 01:35:00.120]  And that's what they're going after.
[01:35:00.120 --> 01:35:02.120]  Mail or wire fraud?
[01:35:02.120 --> 01:35:05.120]  Mail and wire fraud.
[01:35:05.120 --> 01:35:06.120]  The clerks.
[01:35:06.120 --> 01:35:10.120]  Okay, so they're saying there's a pattern of mail and wire fraud violations.
[01:35:10.120 --> 01:35:17.120]  Okay, I'm being particular here because I really want to understand what their claim is.
[01:35:17.120 --> 01:35:26.120]  We have a number of court clerks around the country making a quite ham action.
[01:35:26.120 --> 01:35:27.120]  Right.
[01:35:27.120 --> 01:35:32.120]  Suing for the fees that aren't being paid to them, but this sounds different.
[01:35:32.120 --> 01:35:34.120]  It is a little bit different.
[01:35:34.120 --> 01:35:46.120]  They're saying that because they've committed this wire and mail fraud, they have been put in a position where their titles are all clouded and that they can be sued.
[01:35:46.120 --> 01:35:49.120]  They're liable for not keeping records.
[01:35:49.120 --> 01:35:55.120]  And they're being prohibited from keeping records because of this scheme by MERS.
[01:35:55.120 --> 01:35:57.120]  And because of that...
[01:35:57.120 --> 01:35:58.120]  Oh, okay.
[01:35:58.120 --> 01:36:00.120]  Wait a minute.
[01:36:00.120 --> 01:36:02.120]  Using pronouns.
[01:36:02.120 --> 01:36:04.120]  I hate pronouns.
[01:36:04.120 --> 01:36:08.120]  They are being prevented from keeping records.
[01:36:08.120 --> 01:36:15.120]  In this perspective, are you speaking to the clerks or the county registrar's records?
[01:36:15.120 --> 01:36:20.120]  Well, evidently, in Louisiana, it's the court clerks that keep the records.
[01:36:20.120 --> 01:36:28.120]  Well, it is in Texas too, but they generally have a section of the clerk's office they call the registrar's office.
[01:36:28.120 --> 01:36:29.120]  Right.
[01:36:29.120 --> 01:36:30.120]  The registrar's deeds.
[01:36:30.120 --> 01:36:31.120]  It's always...
[01:36:31.120 --> 01:36:43.120]  In most states, it is a part of the county clerk's office, but in order to differentiate what it actually is, it's just the registrar's deeds.
[01:36:43.120 --> 01:36:48.120]  So it may be called something else in Louisiana, but okay.
[01:36:48.120 --> 01:36:49.120]  Go ahead, listen.
[01:36:49.120 --> 01:36:56.120]  Is the defendant's each engaged in two or more acts of mail or wire fraud within the past 10 years?
[01:36:56.120 --> 01:37:08.120]  That means if any one of them did two fraudulent foreclosures in 10 years, that's mail or wire fraud because they had to mail the document or they had to...
[01:37:08.120 --> 01:37:09.120]  Oh, okay.
[01:37:09.120 --> 01:37:10.120]  That was going to be my question.
[01:37:10.120 --> 01:37:23.120]  One thing, Leslie, so you understand, we have equipment on here so that if I'm speaking, your voice would be pushed below mine.
[01:37:23.120 --> 01:37:24.120]  They won't hear you.
[01:37:24.120 --> 01:37:25.120]  Okay.
[01:37:25.120 --> 01:37:31.120]  And I don't hear you either, so I might speak over you and not realize I'm doing it.
[01:37:31.120 --> 01:37:32.120]  Okay.
[01:37:32.120 --> 01:37:39.120]  So if I'm speaking, know that you can't be heard.
[01:37:39.120 --> 01:37:40.120]  Okay, go ahead.
[01:37:40.120 --> 01:37:41.120]  Go ahead.
[01:37:41.120 --> 01:37:46.120]  So anyway, we have that action coming and it looks very promising.
[01:37:46.120 --> 01:37:50.120]  It's one heck of a document, 30 pages long too.
[01:37:50.120 --> 01:37:52.120]  Oh, have you said that to me?
[01:37:52.120 --> 01:37:54.120]  Yes, it's in your Skype.
[01:37:54.120 --> 01:37:56.120]  Oh, wonderful.
[01:37:56.120 --> 01:37:58.120]  I'm looking forward to that.
[01:37:58.120 --> 01:38:00.120]  Okay, another one.
[01:38:00.120 --> 01:38:01.120]  Murray's is...
[01:38:01.120 --> 01:38:02.120]  Go ahead, go ahead, listen.
[01:38:02.120 --> 01:38:03.120]  Okay.
[01:38:03.120 --> 01:38:15.120]  Now, the Office of the Controller of the Currency has also sent out a press release that they have taken enforcement action against eight servicers for unsafe and unsound foreclosure practices.
[01:38:15.120 --> 01:38:32.120]  These eight servicers are Bank of America, Citibank, HSBC, Chase, MetLife, PMC, US Bank, Wells Fargo, two service providers, Lender Processing Services,
[01:38:32.120 --> 01:38:41.120]  and it's subsidiary DOC-X, LLC, LPD Default Solutions, and Mer's Corp.
[01:38:41.120 --> 01:38:49.120]  And it's subsidiary mortgage electronic record registration systems incorporated at Mer's.
[01:38:49.120 --> 01:38:54.120]  And so they're telling them they've got a shape up in no uncertain terms.
[01:38:54.120 --> 01:39:01.120]  And that's only four pages, but I've got that to you also just to keep your heads up on that one.
[01:39:01.120 --> 01:39:13.120]  Okay, that's going to take some research to sort out because you have all of the banks and you've mentioned DOC-X in there.
[01:39:13.120 --> 01:39:14.120]  Right.
[01:39:14.120 --> 01:39:16.120]  And that was...
[01:39:16.120 --> 01:39:25.120]  And you mentioned a number of other companies that I didn't recognize but sounded like they were associated with DOC-X.
[01:39:25.120 --> 01:39:27.120]  Yes, they're all...
[01:39:27.120 --> 01:39:30.120]  Go ahead.
[01:39:30.120 --> 01:39:38.120]  There's two that are owned by Lender Processing Services and then there's LPD Default Solutions, Inc.
[01:39:38.120 --> 01:39:39.120]  Good.
[01:39:39.120 --> 01:39:53.120]  These are the names I'm trying to get together because what I want to start doing is petitioning these people for names of their employees.
[01:39:53.120 --> 01:40:04.120]  I want to take employees of these enterprises and compare them to the lists of robo-signers that I have.
[01:40:04.120 --> 01:40:06.120]  Right.
[01:40:06.120 --> 01:40:26.120]  And then I need to understand what the MERS rules are for someone to be able to act as a...in a power of attorney capacity.
[01:40:26.120 --> 01:40:27.120]  Right.
[01:40:27.120 --> 01:40:28.120]  Well, I'm sorry.
[01:40:28.120 --> 01:40:34.120]  Those signing as secretaries...not secretaries, vice presidents.
[01:40:34.120 --> 01:40:48.120]  Well, they have...I've just recently looked at some of these and they have listed assistant secretaries as having the power to foreclose or to sign documents.
[01:40:48.120 --> 01:41:00.120]  So that's...I want to find out what the nomenclature is that they're using, how they define that nomenclature and to whom the nomenclature is attached.
[01:41:00.120 --> 01:41:16.120]  And I'm in the process now of building a very large spreadsheet that will allow you to run a name on the spreadsheet and it'll test to see if this robo-signer is in there.
[01:41:16.120 --> 01:41:18.120]  I have another warning.
[01:41:18.120 --> 01:41:33.120]  There's a lot of people that think that the foreclosure meal doesn't bother them because they're current on their mortgage and they shouldn't be so cocky because I got another case that's in your box.
[01:41:33.120 --> 01:41:36.120]  City mortgage, the patella.
[01:41:36.120 --> 01:41:40.120]  Now, these people were current on their mortgage.
[01:41:40.120 --> 01:41:47.120]  Not only were they current, they were sending in extra money so that they could pay it off a little earlier.
[01:41:47.120 --> 01:41:50.120]  Now, they got foreclosed on.
[01:41:50.120 --> 01:41:52.120]  Did you say patella?
[01:41:52.120 --> 01:41:55.120]  Patello.
[01:41:55.120 --> 01:41:59.120]  That sounds like one of my clients.
[01:41:59.120 --> 01:42:00.120]  Oops.
[01:42:00.120 --> 01:42:01.120]  I have to check.
[01:42:01.120 --> 01:42:02.120]  Patello.
[01:42:02.120 --> 01:42:15.120]  And what happened was they were paying and then they got a letter from a lawyer that they were in foreclosure and she called them and she said,
[01:42:15.120 --> 01:42:18.120]  you know, we've been paying you and all this kind of stuff.
[01:42:18.120 --> 01:42:19.120]  They said, oh, you don't have to worry.
[01:42:19.120 --> 01:42:20.120]  You don't need an attorney.
[01:42:20.120 --> 01:42:21.120]  We'll take care of it.
[01:42:21.120 --> 01:42:22.120]  You know, not this guy.
[01:42:22.120 --> 01:42:31.120]  Well, the next thing you know, they had foreclosure complaint and everything and they thought, well, we already talked to the people so it's no problem.
[01:42:31.120 --> 01:42:44.120]  Well, then when they started to get signed up, they had to go to court, then they wanted to answer a complaint and their reason for answering it was that the bank had told them they didn't need an attorney that they would handle it.
[01:42:44.120 --> 01:42:45.120]  There was no problem.
[01:42:45.120 --> 01:42:55.120]  And the court found that not only were they current on their mortgage, their mortgage was paid off.
[01:42:55.120 --> 01:42:59.120]  But, you know, it's like you say, you have to go through the aggravation of all that stuff.
[01:42:59.120 --> 01:43:01.120]  And these people were current.
[01:43:01.120 --> 01:43:07.120]  So people shouldn't finish it just because they are current on their mortgage that they will not have a problem with this.
[01:43:07.120 --> 01:43:10.120]  They may certainly will.
[01:43:10.120 --> 01:43:11.120]  Yes.
[01:43:11.120 --> 01:43:15.120]  So let me let me address some of the problems you can have.
[01:43:15.120 --> 01:43:26.120]  One of the analyses I do is the note as compared to the truth and lending statement.
[01:43:26.120 --> 01:43:35.120]  The payments that you actually pay are determined on the truth and lending statement, not the note.
[01:43:35.120 --> 01:43:40.120]  And they are seldom the same.
[01:43:40.120 --> 01:43:42.120]  We will get back to that on the other side.
[01:43:42.120 --> 01:43:47.120]  This is Randy Caldwell, David Stevenson, Craig will radio.
[01:43:47.120 --> 01:43:51.120]  Joshua, Leslie, Steven, oh, Leslie, get up.
[01:43:51.120 --> 01:43:55.120]  Jeff, Chris, we will get you on the other side.
[01:43:55.120 --> 01:43:57.120]  Hang on.
[01:43:57.120 --> 01:44:01.120]  Call in number 512-646.
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[01:46:15.120 --> 01:46:25.120]  Thank you for watching.
[01:46:45.120 --> 01:47:00.120]  Okay, we're talking to Leslie from Pennsylvania.
[01:47:00.120 --> 01:47:05.120]  Okay, Leslie, where were we when we went out?
[01:47:05.120 --> 01:47:22.120]  Okay, we were talking about City Mortgage v. Patello and how these people had paid every month and that the plaintiff started rejecting the payments and filed for foreclosure for her.
[01:47:22.120 --> 01:47:37.120]  Before they started rejecting, when they put her into foreclosure, then they started rejecting her payments. And the judge found that the defendant has established a meritorious defense of full payment and no default.
[01:47:37.120 --> 01:47:53.120]  Because the court was annoyed enough that he gave them the property without claim, just wonderful, wonderful. When was this case determined?
[01:47:53.120 --> 01:47:56.120]  March 15th.
[01:47:56.120 --> 01:47:57.120]  This year.
[01:47:57.120 --> 01:47:59.120]  Wait a minute. No, no.
[01:47:59.120 --> 01:48:16.120]  Wait a minute. Wait, wait, wait. I'm looking at this team. It was dated, it was entered February 28th, but it came through the court reporters the 19th of April.
[01:48:16.120 --> 01:48:23.120]  This is an indication that the judges are getting fed up with the bank's shenanigans.
[01:48:23.120 --> 01:48:25.120]  Yes.
[01:48:25.120 --> 01:48:43.120]  Judges hate to take new positions, but the pressure is on for them to make adjustments. And I think they're beginning to realize that where they ruled against homeowners out of hand.
[01:48:43.120 --> 01:49:04.120]  There's a good chance all of this will come back and bite them into behinds, because they can expect every shoshter attorney in the country to look at foreclosure as a avenue for mitigation expenses and do what I'm doing.
[01:49:04.120 --> 01:49:22.120]  They go through the court record and look at what is filed in the court record, if on its face, it has the appearance of being improper, improper, it most likely is, and they can be sued.
[01:49:22.120 --> 01:49:24.120]  I think the courts are realizing that.
[01:49:24.120 --> 01:49:33.120]  You know, if they keep screwing around like this, they're going to generate litigation that will clog up their courts.
[01:49:33.120 --> 01:49:37.120]  What's their courts for a generation?
[01:49:37.120 --> 01:49:48.120]  They said one in ten children in the United States has been affected by foreclosure. One in ten.
[01:49:48.120 --> 01:49:49.120]  That's a heck of a...
[01:49:49.120 --> 01:49:52.120]  It's going to get worse.
[01:49:52.120 --> 01:50:07.120]  I think the courts are now realizing that it's not only is it going to get worse, but these cases they adjudicated and threw out with impunity are likely to come back and haunt them.
[01:50:07.120 --> 01:50:12.120]  Because where the lender came to them and said, look, these guys really screwed me around.
[01:50:12.120 --> 01:50:22.120]  And they said, wait, there you go, the debt, you didn't pay the debt, you're out. And then they come back and say, they keep it this fraud and this fraud and this fraud and this fraud.
[01:50:22.120 --> 01:50:28.120]  And now the judge has to adjudicate the entire case.
[01:50:28.120 --> 01:50:33.120]  And they don't get to play golf on Fridays.
[01:50:33.120 --> 01:50:37.120]  They don't get to sit in their office in their shorts.
[01:50:37.120 --> 01:50:41.120]  And they're not going to be happy about that.
[01:50:41.120 --> 01:50:44.120]  This is the real world I live in.
[01:50:44.120 --> 01:51:00.120]  And I think it's becoming clear, especially to the federal judges that if we don't properly adjudicate these cases, they're just going to come back and we'll have to do it again.
[01:51:00.120 --> 01:51:18.120]  And from what I'm seeing, I'm seeing so many rulings in the favor of the lenders that it appears that the courts are trying to give the bankers a very strict edict.
[01:51:18.120 --> 01:51:23.120]  Follow law or we kick you behind.
[01:51:23.120 --> 01:51:39.120]  Right. Bank of America has been forever barred, foreclosed and prohibited from demanding, collecting or attempting to collect on a mortgage by a man called Lucido, LUCIDO in the Bank of America, V. Lucido in New York.
[01:51:39.120 --> 01:51:44.120]  Those judges are starting to really get it, especially in Suffolk County, New York.
[01:51:44.120 --> 01:51:51.120]  Wonderful. This is all we need. I just talked to my prosecuting attorney here in Wiser County.
[01:51:51.120 --> 01:52:07.120]  And I told him what my strategy was and I said, Greg, there is a very good chance that I will be bringing you some criminal accusations against some signatories on documents in your county records.
[01:52:07.120 --> 01:52:20.120]  Wherein I will allege that these officers have violated their sworn duty as licensed professionals in the state of Texas.
[01:52:20.120 --> 01:52:30.120]  And I'm going to expect you to go after them and prosecute them and persecute them the way you do all these innocent people that come into your courts.
[01:52:30.120 --> 01:52:49.120]  Well, he knows me real well and he was very frank. He said, Mr. Kelson, if you can demonstrate that someone has filed fraudulent records in my county, I will go after them.
[01:52:49.120 --> 01:52:51.120]  No reluctance.
[01:52:51.120 --> 01:53:11.120]  When I talked to the county clerk and, you know, I complained to her that about the way they maintain their records, I want to be able to search you a property by the property address or the property description.
[01:53:11.120 --> 01:53:24.120]  And she said, well, Mr. Kelson, we don't do it that way. We'll start doing it that way. And frankly, Sherry Parker, the district clerk here in Wiser County, she's one of my favorite humans.
[01:53:24.120 --> 01:53:29.120]  She's real sweetheart and clerks tend to always be real sweethearts.
[01:53:29.120 --> 01:53:39.120]  And, you know, I got after her pretty heavy about the way she's keeping records.
[01:53:39.120 --> 01:53:42.120]  There is a problem with it.
[01:53:42.120 --> 01:54:03.120]  And then I talked to the district attorney and, well, what Sherry told me was she was very well aware of the problems that they had had a number of conferences with state court clerks around the state on this issue.
[01:54:03.120 --> 01:54:11.120]  So this is becoming a very big issue, not just for the clerks, but for the judges.
[01:54:11.120 --> 01:54:12.120]  Yes.
[01:54:12.120 --> 01:54:23.120]  So if we give them well-pleased arguments, there's very good chance we will get past this closely biased.
[01:54:23.120 --> 01:54:25.120]  Okay, go ahead, listen.
[01:54:25.120 --> 01:54:36.120]  Okay, I'm going to let you go. I'm going to send you a link to Merz's website and you can shop around on there and see where you can get more information.
[01:54:36.120 --> 01:54:39.120]  There's all kinds of information available.
[01:54:39.120 --> 01:54:43.120]  Yeah. So far, I've been real disappointed with Merz's website.
[01:54:43.120 --> 01:54:44.120]  Yeah, me too.
[01:54:44.120 --> 01:54:51.120]  There's two different ones, though. One's Merz service or ID and then there's Merzink.org.
[01:54:51.120 --> 01:55:00.120]  Oh, good. Send me both of those because Merz was set up to act as the record keeper.
[01:55:00.120 --> 01:55:10.120]  Now, the clerks never asked them to do that, but this is all a scam to get out of the filing fees in the clerk's office.
[01:55:10.120 --> 01:55:14.120]  Yes, that's exactly right.
[01:55:14.120 --> 01:55:22.120]  Well, it's like I said, there's nothing that's said in state law that they should be superseded by a corporation.
[01:55:22.120 --> 01:55:25.120]  Exactly.
[01:55:25.120 --> 01:55:30.120]  And that's basically the way Louisiana went after them.
[01:55:30.120 --> 01:55:31.120]  You know.
[01:55:31.120 --> 01:55:33.120]  Okay, do you have anything else for us, Melissa?
[01:55:33.120 --> 01:55:37.120]  No, that's it. I figured that would keep you busy for a while.
[01:55:37.120 --> 01:55:46.120]  Okay, thank you. And I'm sure it will. Now we're going to go to Joshua in Florida.
[01:55:46.120 --> 01:55:48.120]  What do you have for us, Joshua?
[01:55:48.120 --> 01:55:51.120]  Hello, Randy. How are you?
[01:55:51.120 --> 01:55:56.120]  I'm doing good. I don't care what everybody says.
[01:55:56.120 --> 01:56:05.120]  Well, I'm glad that people like you out there. I think we talked about that a little earlier, but I'm calling in to discuss my case and how I was railroaded by the system.
[01:56:05.120 --> 01:56:10.120]  And hopefully you can give me some advice to hold these people to the fire.
[01:56:10.120 --> 01:56:19.120]  Back in November of 2010, I was arrested on a charge of felony possession of marijuana.
[01:56:19.120 --> 01:56:28.120]  From the very start, I went to an attorney and he told me I'll have this thrown out before it ever hits an attorney's desk or the state attorney's desk.
[01:56:28.120 --> 01:56:35.120]  He obviously didn't deliver on that promise. And the first thing they did was stuck me in what they called drug court.
[01:56:35.120 --> 01:56:45.120]  Drug court being basically a plea of admission, just saying that you did whatever they did and you're willing to work with the courts for a more lenient sentence.
[01:56:45.120 --> 01:56:52.120]  In drug court, you're not able to take depositions, you're not able to file any motions, not able to do anything like that.
[01:56:52.120 --> 01:57:05.120]  So basically, I had a public defender assigned to my case and I spoke with him directly and explained the details of my case and he told me I wouldn't have you stay in drug court.
[01:57:05.120 --> 01:57:09.120]  He said, I think you probably need to go to a regular court and fight this.
[01:57:09.120 --> 01:57:19.120]  He consulted with some of his colleagues who agreed. I came back to court, you know, a couple weeks later and asked to be removed from drug court, which that motion was granted.
[01:57:19.120 --> 01:57:25.120]  And they sent me through a different division where I thought I was going to be able to fight my case.
[01:57:25.120 --> 01:57:31.120]  At that point, I felt that I was going to need to hire an attorney here because I knew it was an uphill battle I was facing.
[01:57:31.120 --> 01:57:38.120]  So I went ahead and hired an attorney. He did some depositions for me of both officers that were involved in the case.
[01:57:38.120 --> 01:57:49.120]  Where my case really comes out in the open is when I went in for the motion to suppress the evidence based on an illegal search and seizure.
[01:57:49.120 --> 01:57:54.120]  During the deposition, the officers testified to some things which I'll reference later.
[01:57:54.120 --> 01:57:59.120]  But during the motion to suppress, both officers took the stand and testified.
[01:57:59.120 --> 01:58:08.120]  Officer number one, which I'll refer to him as from now on, I don't want to give any names because I'm still kind of under the thumb.
[01:58:08.120 --> 01:58:20.120]  You can just give his initials. Like I was going to talk about somebody today and I couldn't say his name, but his initials are Charlie Bay.
[01:58:20.120 --> 01:58:22.120]  Okay.
[01:58:22.120 --> 01:58:25.120]  Okay. Hey, God, we'll put Charlie Bayard.
[01:58:25.120 --> 01:58:29.120]  Okay. I forgot. I haven't got it wrong. Okay.
[01:58:29.120 --> 01:58:30.120]  This is Randy Kelton.
[01:58:30.120 --> 01:58:32.120]  David Stevens, Eddie Craig.
[01:58:32.120 --> 01:58:34.120]  We have a radio.
[01:58:34.120 --> 01:58:39.120]  Our calling number is 512-646-1984.
[01:58:39.120 --> 01:58:41.120]  Stephen, Jeff, Chris, Doug.
[01:58:41.120 --> 01:58:43.120]  I see you on the line.
[01:58:43.120 --> 01:58:45.120]  We will pick you up as we get through you.
[01:58:45.120 --> 01:58:51.120]  If you want to have a comment or a question, make sure you get in line before we run out of time.
[01:58:51.120 --> 01:58:57.120]  This is Randy Kelton. David Stevens, Eddie Craig with our radio. 512-646-1984.
[01:58:57.120 --> 01:59:22.120]  We'll be right back.
[01:59:27.120 --> 01:59:30.120]  For more information, visit us online at bfa.org.
[01:59:57.120 --> 02:00:00.120]  For more information, visit us at bfa.org.