[00:00.000 --> 00:09.120]  You're listening to the Liberty Beat, your daily source for Liberty news and activist
[00:09.120 --> 00:10.120]  updates.
[00:10.120 --> 00:11.120]  Online at TheLibertyBeat.com.
[00:11.120 --> 00:20.120]  Don Bush here with your Liberty Beat for Friday, July 26, 2013.
[00:20.120 --> 00:27.400]  Gold opened today at $1,323, silver at $19.95, and bitcoin is trading at $96.
[00:27.400 --> 00:31.120]  A fourth of the Liberty Beat comes from Tabo Rob's, the first high fructose corn served
[00:31.120 --> 00:35.680]  free quick serve restaurant in the country, serving Baja California style burritos and
[00:35.680 --> 00:37.920]  non-GMO corn tortillas and chips.
[00:37.920 --> 00:44.840]  In Austin at 500 East Ben White Boulevard or by phone at 512-432-1111.
[00:44.840 --> 00:46.120]  And now the news.
[00:46.120 --> 00:50.240]  New Jersey Governor Chris Christie has gone on the offensive against libertarianism when
[00:50.240 --> 00:51.800]  it comes to national security.
[00:51.800 --> 00:55.760]  Speaking to the Aspen Institute yesterday, Governor Christie had this to say.
[00:55.760 --> 01:00.880]  This strain of libertarianism that's going through both parties right now and making
[01:00.880 --> 01:04.640]  big headlines, I think is a very dangerous thought.
[01:04.640 --> 01:08.440]  His comments come the day after the U.S. House narrowly defeated a measure that would have
[01:08.440 --> 01:11.420]  limited the NSA's ability to spy on Americans.
[01:11.420 --> 01:16.240]  When asked if Christie was referring to politicians like Senator Rand Paul, Christie responded.
[01:16.240 --> 01:19.280]  You can name any number of people who have engaged in it and he's one of them.
[01:19.280 --> 01:24.560]  I mean these esoteric intellectual debates, I want them to come to New Jersey and sit
[01:24.560 --> 01:27.640]  across from the widows and the orphans.
[01:27.640 --> 01:31.640]  Senator Paul's office fired back saying if Governor Christie believes the constitutional
[01:31.640 --> 01:36.020]  rights and the privacy of all Americans is esoteric, he either needs a new dictionary
[01:36.020 --> 01:39.720]  or he needs to talk to more Americans because a great number of them are concerned about
[01:39.720 --> 01:47.480]  the dramatic overreach of our government in recent years.
[01:47.480 --> 01:53.160]  In this week's Too Much Government News, the 5,550 resident township of Coropolis, Pennsylvania
[01:53.160 --> 01:57.160]  passed an ordinance this week banning loud noises in public spaces.
[01:57.160 --> 02:01.720]  Specifically, the ordinance prohibits yelling, shouting, hooting, whistling and singing on
[02:01.720 --> 02:06.080]  public streets which would disrupt the quiet and comfort of residents.
[02:06.080 --> 02:09.400]  Violations of the ordinance can result in up to a $500 fine.
[02:09.400 --> 02:17.960]  It remains to be seen whether this ordinance will be challenged on First Amendment grounds.
[02:17.960 --> 02:21.760]  Being rude to the President of France is no longer an automatic criminal offense.
[02:21.760 --> 02:26.980]  Just as Parliament agreed today, in the interest of free speech, MPs revoked legislation dating
[02:26.980 --> 02:32.400]  back to 1881 when anything judged to have offended the head of the state risked an automatic
[02:32.400 --> 02:33.400]  fine.
[02:33.400 --> 02:37.240]  The change followed the European Court of Human Rights' ruling in March that France
[02:37.240 --> 02:41.360]  violated a demonstrator's right to freedom of expression when he referred to Nicholas
[02:41.360 --> 02:43.680]  Sarkozy as a jerk.
[02:43.680 --> 02:48.520]  Support for the Liberty Bead comes from Central Texas Gunworks, CHL Forces Self-Defense Training
[02:48.520 --> 02:50.040]  and Firearms Sales.
[02:50.040 --> 02:55.000]  Online at CentralTexasGunworks.com You've been listening to the Liberty Bead.
[02:55.000 --> 03:22.720]  Remember to question everything and live free.
[03:25.000 --> 03:45.440]  Okay, howdy, howdy, this is Randy Kelton, Deborah Stevens, Wheel of Law Radio on our
[03:45.440 --> 03:49.760]  four hour, our Friday four hour info marathon.
[03:49.760 --> 03:59.920]  It is Friday, July the 26th, and I know that nobody who's ever been to Texas is going to
[03:59.920 --> 04:06.800]  believe this, but it actually rained today, and I've been telling everybody for years
[04:06.800 --> 04:14.520]  it never rains in Texas, but we have had a surprising summer.
[04:14.520 --> 04:23.600]  We've had rain all along, all summer, and this is after a 15 year drought.
[04:23.600 --> 04:32.400]  These droughts go in Texas, it's always drought, but this year's been exceptionally nice.
[04:32.400 --> 04:35.960]  And tonight, all the call lines are open.
[04:35.960 --> 04:41.560]  Our call in number is 512-646-1984.
[04:41.560 --> 04:42.560]  Give us a call.
[04:42.560 --> 04:49.920]  We've been making calls all night, but until the call board starts to build up, I'm afraid
[04:49.920 --> 04:53.080]  you're stuck with me.
[04:53.080 --> 04:58.080]  I have been working, for a long time I've been telling everybody I've been working on
[04:58.080 --> 05:11.840]  an electronic lawyer, and while I have the method, it's like anything that you design.
[05:11.840 --> 05:16.400]  Everybody who tends to be creative, they'll have people coming up to them all the time,
[05:16.400 --> 05:20.400]  they've got all these great ideas.
[05:20.400 --> 05:26.480]  You hear lots and lots of great ideas, and I hear people come to me, oh man, don't reveal
[05:26.480 --> 05:35.360]  this to anybody, somebody will steal it, and I've got twice the heck with that crap.
[05:35.360 --> 05:44.360]  You don't hardly ever have to worry about somebody stealing your idea, because there
[05:44.360 --> 05:55.640]  are so many great ideas out there, that never ever get drawn to fruition.
[05:55.640 --> 06:04.960]  Having a great idea is relatively easy, fleshing out that idea, that is a whole other animal.
[06:04.960 --> 06:15.320]  About six years ago, I had a great idea that I was going to build a tool that would give
[06:15.320 --> 06:23.360]  me a place to store all of this cool information that I'm coming across in a way that would
[06:23.360 --> 06:34.720]  make it easy to re-access, and store it in a way such that when I had an issue, I could
[06:34.720 --> 06:41.640]  walk down the elements of the issue through some type of procedure, and it would point
[06:41.640 --> 06:51.920]  me to everything that applied to this issue in studying law.
[06:51.920 --> 07:00.480]  Most lawyers tend to think that the practice of law is an art form, that it takes a highly
[07:00.480 --> 07:07.160]  trained skilled practitioner to be able to effectively maneuver through all of the ins
[07:07.160 --> 07:18.640]  and outs, and possibilities that exist in law, horse manure, it's no such thing.
[07:18.640 --> 07:30.080]  When I read statutes, rules, and regulations, they read to me just like a tech manual, basically
[07:30.080 --> 07:41.520]  there is no difference, the laws, the public laws, the code, statutes, rules, and regulations,
[07:41.520 --> 07:52.000]  just lay down the structure, and that structure is very well developed and very consistent.
[07:52.000 --> 07:59.680]  The reason I believe lawyers feel that the practice of law is an art form is because
[07:59.680 --> 08:09.120]  the law is so well developed, and thereby so complex, that it takes someone with a lot
[08:09.120 --> 08:19.200]  of experience to listen to your issue and isolate out from your issue all of the elements
[08:19.200 --> 08:23.200]  that apply to the issue.
[08:23.200 --> 08:29.640]  I looked at it and said, heck, that's what God made computers for.
[08:29.640 --> 08:36.800]  That's exactly what computers are good at, and that started me on in this project.
[08:36.800 --> 08:45.920]  When you're designing a project, I know most people think that an engineer or an inventor,
[08:45.920 --> 08:55.000]  not so much just an engineer, but an inventor, will come up with this idea and then set about
[08:55.000 --> 08:56.960]  inventing the idea.
[08:56.960 --> 09:01.560]  Well, most of the time, that's not how it works.
[09:01.560 --> 09:11.160]  Most of the time, the inventor will find an empty place in the technology.
[09:11.160 --> 09:17.680]  He will find something that's missing and have an idea of what will fit into that empty
[09:17.680 --> 09:24.840]  space, and he'll put together an idea of something that he believes will fit into the
[09:24.840 --> 09:28.480]  empty space, and he'll start constructing that idea.
[09:28.480 --> 09:39.600]  Well, if he's a good engineer, he knows that always your first prototype is wrong, just
[09:39.600 --> 09:41.160]  always.
[09:41.160 --> 09:46.320]  I built a sweeper to sweep out the insides of traders.
[09:46.320 --> 09:50.080]  It's a big problem in the industry.
[09:50.080 --> 09:59.760]  So my son and I designed one for his senior project in college, and then we put it together.
[09:59.760 --> 10:04.880]  He got a good grade in school, and in spite of the fact that I went to his award presentation
[10:04.880 --> 10:11.760]  with one of my hands completely bandaged, and one of his professors at the meet and
[10:11.760 --> 10:16.560]  greet after the presentations saw my hand all bandaged up, and he said, what happened
[10:16.560 --> 10:17.560]  to you?
[10:17.560 --> 10:23.320]  Oh, this, oh, well, I was working on my son's senior project.
[10:23.320 --> 10:28.800]  He said, oh, well, it wasn't a really big fire.
[10:28.800 --> 10:33.640]  It wasn't a really big fire, but I did get a handful of melted plastic, and that really,
[10:33.640 --> 10:34.640]  really hurt.
[10:34.640 --> 10:35.640]  But we got that out.
[10:35.640 --> 10:46.120]  He got a good grade on it, and two years later, I got that structured into a working piece.
[10:46.120 --> 10:51.240]  I hung it on, it was designed to be picked up with a forklift, I hung it on the forks
[10:51.240 --> 10:58.160]  of the forklift, got it all running and working, set it down in a dusty driveway, because I
[10:58.160 --> 11:06.920]  wanted to see if you ran into a job that had, maybe they had dropped flour or had a lot
[11:06.920 --> 11:12.120]  of dusty product on the floor, I wanted to see if you would, the brush was spinning slow
[11:12.120 --> 11:16.240]  enough so that it wouldn't choke the guy out in the trailer.
[11:16.240 --> 11:24.480]  I wanted to make sure that the hydraulic, that the motor on it was strong enough to
[11:24.480 --> 11:36.000]  pull the brush under pressure, that the hydraulics were sufficient to keep it from overheating.
[11:36.000 --> 11:42.640]  So I cranked it up, and I ran it for about 30 minutes, and had a guy there with me.
[11:42.640 --> 11:46.360]  And when I shut it off, I told him, okay, you can cut it up now.
[11:46.360 --> 11:53.680]  I spent about $60,000 building this original prototype, ran it for 30 minutes, and then
[11:53.680 --> 11:56.560]  cut it up.
[11:56.560 --> 12:01.320]  It told me what I needed to know to take the next step.
[12:01.320 --> 12:07.280]  Anybody who thinks they're going to design the project with the first build has never
[12:07.280 --> 12:09.680]  built a project.
[12:09.680 --> 12:16.000]  So I'm on my third, and I had to stop, I ran out of funds, but we will get back to that.
[12:16.000 --> 12:22.600]  I built another one, and before I finished it, I shut it down, cut it up.
[12:22.600 --> 12:25.760]  But it told me how to build the third one.
[12:25.760 --> 12:33.920]  That's the way this project with the electronic lawyer is gone, is it has literally designed
[12:33.920 --> 12:41.080]  itself, and I've struggled as the engineer on the project, to keep myself out of the
[12:41.080 --> 12:52.800]  way and allow the project to design itself, to avoid projecting my presuppositions on
[12:52.800 --> 12:55.160]  the project.
[12:55.160 --> 13:00.760]  What will work and what won't work is something the project will show me if I pay attention
[13:00.760 --> 13:04.840]  to it and listen to what it tells me.
[13:04.840 --> 13:10.680]  And most of what it tells me, it tells me what I've done wrong.
[13:10.680 --> 13:18.440]  I try to do something, and it may work somewhat, but there's a couple of parameters it doesn't
[13:18.440 --> 13:19.440]  meet.
[13:19.440 --> 13:25.960]  When you do this kind of thing, you have to be willing to take your project, take whatever
[13:25.960 --> 13:33.680]  you've designed, and be willing to crash the whole thing and start over from scratch.
[13:33.680 --> 13:39.560]  If you're not willing to do that, you're going to wind up with a garbage design, a patch
[13:39.560 --> 13:48.280]  to piece together, piece of junk that may actually work, but only marginally.
[13:48.280 --> 13:55.480]  I explained to my son, when he first became an engineer, that it's not enough to have
[13:55.480 --> 13:58.280]  a great idea.
[13:58.280 --> 14:03.120]  It's not enough to have an idea to build a project.
[14:03.120 --> 14:12.400]  You have to design something that, in fact, you can actually build.
[14:12.400 --> 14:18.480]  One of the designs he came up with for a piece that had to be machined out of high carbon
[14:18.480 --> 14:21.320]  steel.
[14:21.320 --> 14:26.560]  And because of the design of it, I looked at it and asked him, how are you going to
[14:26.560 --> 14:31.680]  machine that particular piece?
[14:31.680 --> 14:36.840]  And after he looked at it a while, it became clear there was no way to build that thing,
[14:36.840 --> 14:38.560]  not with the current technology.
[14:38.560 --> 14:44.960]  So he had to scrap that and design around it because it could not be built.
[14:44.960 --> 14:49.280]  There were cuts that had to be made, there was no way to get to them.
[14:49.280 --> 14:52.720]  So you have to design something you can actually build.
[14:52.720 --> 15:01.440]  You have to design something that in order to build it, it is affordable.
[15:01.440 --> 15:08.600]  You have to design something that will actually perform the function that you need.
[15:08.600 --> 15:16.200]  And you have to perform something that once it is working, it is durable.
[15:16.200 --> 15:24.560]  And one of the things engineers try to do more than any other is see how many different
[15:24.560 --> 15:32.200]  things they can get any one part of the project to do.
[15:32.200 --> 15:38.320]  By doing that, you wind up with a much more efficient project and a much easier design
[15:38.320 --> 15:40.600]  to build.
[15:40.600 --> 15:50.560]  And the engineers designed from scratch nothing that they can avoid.
[15:50.560 --> 16:00.000]  For the most part, engineering nowadays is about pulling the right pieces off the shelf.
[16:00.000 --> 16:07.360]  The art and engineering is finding those pieces and I have been the last six years or so trying
[16:07.360 --> 16:10.600]  to find all the right pieces, but they are beginning to come together.
[16:10.600 --> 16:15.960]  And when I come back, I am going to talk about a piece of it.
[16:15.960 --> 16:23.440]  I am going to talk about an argument that I am structuring, I am building a set of arguments.
[16:23.440 --> 16:30.960]  Each argument is being built as if it were the only issue in a lawsuit.
[16:30.960 --> 16:37.000]  So it is complete in and of itself in building a generic so it can either be filed by the
[16:37.000 --> 16:41.040]  plaintiff or the defendant.
[16:41.040 --> 16:46.800]  So that I can put it in a database, ask a question that points to it and have the system
[16:46.800 --> 16:52.440]  pull it out of the database and drop it into a pleading and I will explain one of them
[16:52.440 --> 16:53.440]  when I get back.
[16:53.440 --> 17:22.280]  This is Randy Kalten, Deborah Stevens, Rule of Law Radio, I call it number 512-646-1984.
[17:22.280 --> 17:37.680]  I think I love you, but I want to know for sure, so come on and neutrify me, I love you.
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[18:49.640 --> 18:59.160]  That's ruleoflawradio.com or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com to learn how to stop debt
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[19:00.160 --> 19:20.480]  You are listening to the Logos Radio Network, logosradio network.com.
[19:20.480 --> 19:37.960]  Okay.
[19:37.960 --> 19:38.960]  We are back.
[19:38.960 --> 19:45.280]  Randy Kelton, Debra Stevens, Rule of Law Radio and enough of my dissertation on engineering
[19:45.280 --> 19:46.280]  a project.
[19:46.280 --> 19:49.760]  Now, I'm going to go to the project itself.
[19:49.760 --> 19:55.160]  I've been building this electronic lawyer and I've been working with foreclosure and
[19:55.160 --> 20:03.040]  due process and I'm using those two to teach me how to build the project.
[20:03.040 --> 20:09.880]  In the foreclosure issue, we have a lot of issues that we can bring.
[20:09.880 --> 20:22.640]  Actually with any one of the interesting things about any case before court, if you look at
[20:22.640 --> 20:30.560]  all of the elements of the case, you will tend to find stacks and stacks of issues that
[20:30.560 --> 20:33.680]  you can bring.
[20:33.680 --> 20:41.760]  Now lawyers, they tend to only bring those issues that they are relatively certain they
[20:41.760 --> 20:50.640]  can conclusively prove because lawyers can get a real problem for bringing a frivolous
[20:50.640 --> 21:01.280]  argument, for bringing an argument that has already been ruled against that subjects the
[21:01.280 --> 21:11.240]  argument to collateral estoppel, from bringing an argument that they cannot support with
[21:11.240 --> 21:13.600]  facts and law.
[21:13.600 --> 21:20.000]  That would be frivolous and for either one of those, they can be sanctioned.
[21:20.000 --> 21:26.080]  And frankly, lawyers are terrified of the courts.
[21:26.080 --> 21:33.360]  They're always afraid that they understand that everything is political and they never
[21:33.360 --> 21:40.520]  know when the politics may turn against them, especially if they're dealing with clients
[21:40.520 --> 21:47.640]  or with opponents who have deep pockets because you never know when the judge has been bought
[21:47.640 --> 21:50.880]  and paid for.
[21:50.880 --> 21:58.080]  So they have to be careful not to give the other party a shot at them because they never
[21:58.080 --> 22:08.000]  know when the judge is playing the good old boy game and when he's been bought and paid
[22:08.000 --> 22:13.240]  for it's going to use any opportunity to land on you like a ton of bricks.
[22:13.240 --> 22:15.160]  So they're real careful of what they bring.
[22:15.160 --> 22:21.200]  Procès are in a better position and this may be one of the reasons that the courts don't
[22:21.200 --> 22:22.200]  like procès.
[22:22.200 --> 22:28.280]  Is a procès is not expected to be learned in counsel and he can bring in a sophisticated
[22:28.280 --> 22:36.000]  argument that's already been technically ruled against and not necessarily be held responsible
[22:36.000 --> 22:43.180]  for having to know the fine points of law and ruling against that issue.
[22:43.180 --> 22:52.760]  So we can be somewhat more creative and in crafting these arguments, one of the things
[22:52.760 --> 23:04.800]  that we talk about on the air and I try always to stay mindful of is that everything is political.
[23:04.800 --> 23:12.100]  You know, I keep saying to you folks, my listeners, you will never win your case simply because
[23:12.100 --> 23:16.880]  you have the law and the facts on your side.
[23:16.880 --> 23:25.080]  But in saying that to you, I'm saying that to me, when I'm doing legal research and I
[23:25.080 --> 23:36.600]  find this case law that is absolutely definitive, screws the US if a public official violates
[23:36.600 --> 23:44.480]  a ruling of this court and he be saying, he may not be heard to say he knows not what
[23:44.480 --> 23:45.480]  he does.
[23:45.480 --> 23:50.280]  I have a tendency to believe that nonsense.
[23:50.280 --> 23:56.600]  I mean, it really sounds definitive and yet the Supreme Court here, they are just laying
[23:56.600 --> 23:57.600]  down the law.
[23:57.600 --> 24:01.000]  Well, they're not doing any such thing.
[24:01.000 --> 24:05.160]  They're just making noises and sounds.
[24:05.160 --> 24:13.440]  The court you bring that before will pay attention to it if he feels like it.
[24:13.440 --> 24:19.360]  Now that may not be right, but that's how it works in the world you and I live in and
[24:19.360 --> 24:29.040]  we shouldn't get too excited about that because that is the way it has always worked since
[24:29.040 --> 24:30.040]  the beginning.
[24:30.040 --> 24:36.560]  So we can complain about it if we want to, but it's like complaining about the sky for
[24:36.560 --> 24:38.800]  being up.
[24:38.800 --> 24:44.480]  That's what we got to deal with and from my perspective, I do this as an engineer.
[24:44.480 --> 24:53.280]  I don't have an opinion on how things should be or I may have one, but in designing an
[24:53.280 --> 25:03.240]  approach, I have to set that feeling that I have or that idea of how things should be,
[25:03.240 --> 25:12.120]  that personal opinion, I have to set that aside and look at how things actually work
[25:12.120 --> 25:13.120]  right now.
[25:13.120 --> 25:16.600]  The way they work right now, the courts are corrupt.
[25:16.600 --> 25:22.320]  You will only, and now maybe they're not corrupt, but they appear to be corrupt and they probably
[25:22.320 --> 25:28.120]  appear to be corrupt because judges, after all, are human beings and are subject to the
[25:28.120 --> 25:37.680]  same prejudices and personal pressures that all the rest of us are.
[25:37.680 --> 25:43.720]  So they tend to get, when everybody's coming to them asking them for answers, they tend
[25:43.720 --> 25:49.920]  to get somewhat arrogant, full of themselves and feel like what they have to say is more
[25:49.920 --> 25:57.960]  important than what we have to say, the law we bring or anything else.
[25:57.960 --> 26:05.320]  I suspect for the most part those judges are thinking that they are formulating the most
[26:05.320 --> 26:11.400]  just adjudication that they can given the circumstances.
[26:11.400 --> 26:18.800]  We are rational human beings and as rational human beings, when we do things that appear
[26:18.800 --> 26:29.240]  to us to be somehow self-serving or improper, well, we tend to use our rational minds to
[26:29.240 --> 26:31.800]  do what they do best.
[26:31.800 --> 26:35.400]  We rationalize away our behavior.
[26:35.400 --> 26:40.040]  So with that said, we have everybody for the most part, I like to think everybody's doing
[26:40.040 --> 26:46.200]  what they believe to be the best they can under the circumstances that they're dealt.
[26:46.200 --> 26:51.720]  So we've got to stop complaining about the circumstances and see what we can do to deal
[26:51.720 --> 26:52.720]  with it.
[26:52.720 --> 27:01.640]  And in this case, I'm looking at crafting a suit to file in the state court.
[27:01.640 --> 27:13.320]  And the biggest problem that we have is getting the lender to prove up chain of title, prove
[27:13.320 --> 27:26.480]  up who is currently the bona fide holder of the note and security instrument.
[27:26.480 --> 27:36.440]  That appears to be because of the careless nature with which they performed their business,
[27:36.440 --> 27:41.480]  that appears to be their biggest issue.
[27:41.480 --> 27:52.040]  The lender may actually be the bona fide holder of the tangible note along with all of the
[27:52.040 --> 27:57.640]  beneficial interest of the note and the security instrument.
[27:57.640 --> 28:05.320]  The problem is because of their record keeping procedures, they can't prove it.
[28:05.320 --> 28:12.000]  And when you come to court and make a proactive statement of law, if that law is not challenged,
[28:12.000 --> 28:13.920]  it is accepted.
[28:13.920 --> 28:17.400]  Your proactive statement is prima facie.
[28:17.400 --> 28:24.040]  I'm sorry, if you make a statement of fact and law, a proactive statement of fact and
[28:24.040 --> 28:31.360]  law not challenged is presumed on the face of it to be valid.
[28:31.360 --> 28:35.520]  If you fail to challenge it, you waive the challenge.
[28:35.520 --> 28:44.920]  So our practice is stipulate to nothing, accept nothing, make them prove up everything.
[28:44.920 --> 28:53.520]  The first word out of the lawyer's mouth is, I am an agent representing principle.
[28:53.520 --> 28:59.880]  That's the first thing he has to do when he comes to court is establish who he is.
[28:59.880 --> 29:06.480]  And when the lawyer comes before the court and says, I'm an agent for the defendant,
[29:06.480 --> 29:13.840]  objection, objection, I do not accept that this is the agent for the principle.
[29:13.840 --> 29:17.240]  We don't know who this person is.
[29:17.240 --> 29:24.600]  And as the lawyer may not testify, I challenge agency.
[29:24.600 --> 29:29.520]  I don't accept your bald statement of agency, so prove it up.
[29:29.520 --> 29:34.720]  An agency cannot be proven out of the mouth of the agent, it must be proven out of the
[29:34.720 --> 29:41.640]  mouth of the principle because the principle is the only one with best evidence.
[29:41.640 --> 29:47.200]  The lawyer can only have hearsay, this is Randy Kelp, David Stevens, Wheel of Law Radio,
[29:47.200 --> 29:51.880]  our call in number 512-646-1984.
[29:51.880 --> 29:54.720]  Give us a call, we'll have the phone lines open all night.
[29:54.720 --> 30:02.320]  We'll be right back on the other side.
[30:02.320 --> 30:05.080]  You know those nakedizing body scanners at the airports?
[30:05.080 --> 30:08.760]  Are they really there for our safety or is there something else going on?
[30:08.760 --> 30:12.320]  I'm Dr. Catherine Albrecht and I'll be back with some reasons why we may want to be a
[30:12.320 --> 30:14.600]  little suspicious.
[30:14.600 --> 30:16.200]  Privacy is under attack.
[30:16.200 --> 30:19.800]  When you give up data about yourself, you'll never get it back again.
[30:19.800 --> 30:24.560]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[30:24.560 --> 30:29.720]  So protect your rights, say no to surveillance and keep your information to yourself.
[30:29.720 --> 30:32.320]  Privacy, it's worth hanging on to.
[30:32.320 --> 30:36.620]  This public service announcement is brought to you by Startpage.com, the private search
[30:36.620 --> 30:40.160]  engine alternative to Google, Yahoo and Bing.
[30:40.160 --> 30:43.360]  Start over with Startpage.
[30:43.360 --> 30:46.920]  Our airport body scanners are boondoggle, you be the judge.
[30:46.920 --> 30:51.920]  In 2005, Republican Homeland Security Chief Michael Chertoff bought several rapid scan
[30:51.920 --> 30:52.920]  nakedizing machines.
[30:52.920 --> 30:57.880]  When he resigned, he formed a security consultancy with RapidScan as a lobby client.
[30:57.880 --> 31:02.360]  Then he started promoting the scanners without mentioning his RapidScan connection.
[31:02.360 --> 31:07.800]  The CEO of RapidScan has also made large political contributions to Democrats and he tagged along
[31:07.800 --> 31:10.560]  on President Obama's recent trip to India.
[31:10.560 --> 31:15.160]  RapidScan has clinched about $200 million in government contracts, but we have to wonder
[31:15.160 --> 31:20.000]  why since the Government Accountability Office says the scanners may not even detect terrorist
[31:20.000 --> 31:21.000]  threats.
[31:21.000 --> 31:30.520]  I'm Dr. Catherine Albrecht, more news and information at CatherineAlbrecht.com.
[31:30.520 --> 31:35.880]  This is Building 7, a 47 story skyscraper that fell on the afternoon of September 11th.
[31:35.880 --> 31:41.280]  The government says that fire brought it down, however, 1,500 architects and engineers concluded
[31:41.280 --> 31:42.760]  it was a controlled demolition.
[31:42.760 --> 31:46.920]  Over 6,000 of my fellow service members have given their lives, and thousands of my fellow
[31:46.920 --> 31:48.400]  first responders are dying.
[31:48.400 --> 31:49.800]  I'm not a conspiracy theorist.
[31:49.800 --> 31:50.800]  I'm a structural engineer.
[31:50.800 --> 31:52.200]  I work in New York City Correctional.
[31:52.200 --> 31:53.200]  I'm an Air Force pilot.
[31:53.200 --> 31:54.800]  I'm a father who lost his son.
[31:54.800 --> 31:57.480]  We're Americans, and we deserve the truth.
[31:57.480 --> 32:00.800]  Go to RememberBuilding7.org today.
[32:00.800 --> 32:04.320]  You feel tired when talking about important topics like money and politics?
[32:04.320 --> 32:05.320]  Sorry!
[32:05.320 --> 32:08.120]  Are you confused by words like the Constitution or the Federal Reserve?
[32:08.120 --> 32:09.120]  What?
[32:09.120 --> 32:12.840]  If so, you may be diagnosed with the deadliest disease known today, stupidity.
[32:12.840 --> 32:18.480]  Hi, my name is Steve Holt, and like millions of other Americans, I was diagnosed with stupidity
[32:18.480 --> 32:19.720]  at an early age.
[32:19.720 --> 32:23.720]  I had no idea that the number one cause of the disease is found in almost every home
[32:23.720 --> 32:25.800]  in America, the television.
[32:25.800 --> 32:30.840]  Unfortunately, that puts most Americans at risk of catching stupidity, but there is hope.
[32:30.840 --> 32:34.600]  The staff at Brave New Books have helped me and thousands of other foxaholics suffering
[32:34.600 --> 32:39.500]  from sports-zombieism recover, and because of Brave New Books, I now enjoy reading and
[32:39.500 --> 32:43.080]  watching educational documentaries without feeling tired or uninterested.
[32:43.080 --> 32:51.160]  So if you or anybody you know suffers from stupidity, then you need to call 512-480-2503
[32:51.160 --> 32:55.200]  or visit them at 1904Guadalupe or bravenewbookstore.com.
[32:55.200 --> 32:58.640]  Side effects from using Brave New Books products may include discernment and enlarged vocabulary
[32:58.640 --> 33:03.720]  and an overall increase in mental functioning.
[33:03.720 --> 33:29.320]  You're listening to the Logos Radio Network at logosradionetwork.com.
[33:29.320 --> 33:35.280]  I am not hearing any music, okay, I was listening for music.
[33:35.280 --> 33:46.160]  This is Randy Debra Stevens, Rule of Law Radio, and we were talking about how I'm structuring
[33:46.160 --> 33:54.320]  these arguments, and I know that was a long lead-in, but there was a reason for that.
[33:54.320 --> 34:06.600]  I've written up an argument that on first blush, it looks like it is a vague and general
[34:06.600 --> 34:16.960]  argument that does not go to an issue where the complainant can show harm.
[34:16.960 --> 34:22.840]  You can't bring an issue before the court unless you can show that you've been harmed
[34:22.840 --> 34:31.000]  over the issue, and this one is reaching a little bit, and it's reaching on purpose.
[34:31.000 --> 34:39.360]  Is it intended to do something that has nothing to do with the argument that it appears to
[34:39.360 --> 34:43.080]  be bringing?
[34:43.080 --> 34:54.560]  I like to design an artful pleading, and if I do this right, in order to defend themselves
[34:54.560 --> 35:03.520]  from this argument, this argument of money laundering, that they will have to give me
[35:03.520 --> 35:07.760]  the evidence I need to conclusively prove another element.
[35:07.760 --> 35:15.160]  In case I got the bad guys listening, I'm not going to tell them what that is, so riddle
[35:15.160 --> 35:16.160]  me this.
[35:16.160 --> 35:28.560]  How does accusing the banks of laundering money for the Colombian and Mexican drug cartels
[35:28.560 --> 35:36.120]  provide the information I need to prove a different claim against the lender?
[35:36.120 --> 35:38.560]  Here is the basic argument that I'm making.
[35:38.560 --> 35:45.080]  This may be something that a lot of people haven't heard of.
[35:45.080 --> 35:50.600]  Borrower alleges and is prepared to prove a trial that lender, acting in concert inclusion
[35:50.600 --> 35:56.360]  with others, misled borrower as to the source of funds used to finance the above-referenced
[35:56.360 --> 35:58.760]  loan transaction.
[35:58.760 --> 36:05.440]  Borrower alleges that lender sourced at least a portion of the money used to fund the above-referenced
[36:05.440 --> 36:11.560]  transactions from illegal sources in furtherance of a money laundering scheme.
[36:11.560 --> 36:19.120]  Borrower considering... Speaker's tongue got tangled.
[36:19.120 --> 36:26.800]  Borrower considering himself a person of character and morally centered on the right of things
[36:26.800 --> 36:33.440]  and the rule of law would never knowingly participate in a money laundering scheme.
[36:33.440 --> 36:39.360]  And as much as borrower was at the time, at the time the above loan transaction was entered
[36:39.360 --> 36:46.400]  into, an unsophisticated borrower, borrower exercised due diligence by care to ensure
[36:46.400 --> 36:51.800]  the borrower only dealt with bona fide licensed lenders.
[36:51.800 --> 36:56.600]  Lender presented itself to borrower as a properly licensed lender.
[36:56.600 --> 37:03.280]  Lenders presentation of itself as a properly licensed lender induced a borrower into the
[37:03.280 --> 37:09.480]  reasonable expectation that lender would act in compliance with all relevant law.
[37:09.480 --> 37:15.480]  Both the above-referenced note and security instrument contains provisions wherein both
[37:15.480 --> 37:21.520]  parties contractually agreed to abide by all relevant law and lender's licensed status
[37:21.520 --> 37:26.360]  gave borrower the impression that lender was subject to governmental oversight, further
[37:26.360 --> 37:34.520]  bolstering borrower's reasonable expectation of good faith and fair dealings by lender.
[37:34.520 --> 37:39.520]  Lenders presentation of itself as a bona fide and licensed lender did create a belief in
[37:39.520 --> 37:45.200]  the mind borrower that borrower could expect good faith and fair dealings from lender.
[37:45.200 --> 37:56.320]  This is worded this way because these statements each go to an element of the cause of action
[37:56.320 --> 38:03.320]  for fraud by non-disclosure where you disclose something.
[38:03.320 --> 38:11.000]  If I purchased something from you, say you were selling fruit on the side of the road
[38:11.000 --> 38:15.080]  and I pull over and have all this fruit here and you have a price and I pick out three
[38:15.080 --> 38:22.040]  or four peaches and I pay you for the peaches and the peaches are defective.
[38:22.040 --> 38:27.880]  If you didn't have a sign that said these peaches are perfect, then you never disclosed
[38:27.880 --> 38:37.320]  anything to me and in that you have not disclosed anything to me, you have not invoked a duty
[38:37.320 --> 38:41.160]  to give me full disclosure.
[38:41.160 --> 38:49.720]  But if you say to me these are good peaches, that's a disclosure and along with that disclosure
[38:49.720 --> 38:54.560]  comes the requirement for full disclosure.
[38:54.560 --> 38:58.760]  These are good peaches except don't eat too close to the pit, it's kind of rotten in there
[38:58.760 --> 39:03.040]  and watch out for the worms.
[39:03.040 --> 39:13.040]  Here the lender presented himself as a licensed lender and I won't read all of this, it's
[39:13.040 --> 39:19.800]  kind of long, but what I'm saying is that the lender deliberately created an impression
[39:19.800 --> 39:27.920]  in the mind of the borrower that the borrower could trust and have faith in the veracity
[39:27.920 --> 39:37.840]  and moral center of the lender and could expect good faith and fair beginnings.
[39:37.840 --> 39:48.480]  And in fact as it turns out, the lender gave the impression by its licensed status that
[39:48.480 --> 39:56.480]  when the lender procured the warranty deed for the borrower in order to trade the warranty
[39:56.480 --> 40:04.520]  deed for the note and security instrument, that the lender derived those funds from his
[40:04.520 --> 40:10.240]  Federal Reserve account and we hear people talking about raising the argument that there
[40:10.240 --> 40:16.880]  is no money, that the Federal Reserve created the money out of thin air, yes they did.
[40:16.880 --> 40:22.320]  And that's the impression that the lender by representing himself as a licensed lender
[40:22.320 --> 40:26.440]  tries to give the borrower.
[40:26.440 --> 40:35.680]  He tries to give the impression that the lender took your note as collateral to the Federal
[40:35.680 --> 40:40.640]  Reserve to show the Federal Reserve that it had a promise to pay this amount of funds
[40:40.640 --> 40:42.560]  over this period of time.
[40:42.560 --> 40:49.280]  So they asked the Federal Reserve to create a ledger entry that created funds in this
[40:49.280 --> 40:51.020]  amount.
[40:51.020 --> 40:55.040]  They were literally created out of the thin air.
[40:55.040 --> 41:00.000]  The Federal Reserve did not print those dollars, they just put an entry on a ledger in the
[41:00.000 --> 41:05.000]  bank's fractional reserve account.
[41:05.000 --> 41:13.320]  And with the stipulation that when these funds were paid back, they would be returned to
[41:13.320 --> 41:20.120]  the Federal Reserve, marked off the ledger and the funds would return to the ether from
[41:20.120 --> 41:22.680]  which they came.
[41:22.680 --> 41:29.440]  This way the Federal Reserve could maintain the velocity of money, making money available
[41:29.440 --> 41:35.760]  to procure these transactions without increasing the volume of money.
[41:35.760 --> 41:41.280]  And that's not necessarily a bad idea and without going into fractional lending, whether
[41:41.280 --> 41:51.240]  it's a good idea or a bad idea, there is evidence to indicate that that is not what happened.
[41:51.240 --> 42:00.880]  And in fact, the lender used his license status to give the borrower a false impression,
[42:00.880 --> 42:07.120]  to mislead the borrower into thinking that the lender received the funding from the Federal
[42:07.120 --> 42:10.320]  Reserve against the lender's Federal Reserve account.
[42:10.320 --> 42:18.360]  When in fact, the lender table funded the note and actually received the funding from
[42:18.360 --> 42:24.480]  a special purpose vehicle, special purpose vehicle is an entity set up for the purpose
[42:24.480 --> 42:34.520]  of pooling a large number of notes together into a structure called a pass-through trust.
[42:34.520 --> 42:40.760]  They would then take this pass-through trust, file it with the IRS as a real estate mortgage
[42:40.760 --> 42:48.800]  investment conduit, get big tax breaks on it, and then they would sell percentages of
[42:48.800 --> 42:55.560]  this trust in the form of tranches to various investors.
[42:55.560 --> 43:00.880]  And the impression with them was that they would secure that the special purpose vehicle
[43:00.880 --> 43:09.960]  would secure a large loan from one of the major banks and then procure these loans to
[43:09.960 --> 43:18.480]  put in the pool, put together the pool, and then sell the pool, sell the beneficial interest
[43:18.480 --> 43:22.920]  of the note to the investors.
[43:22.920 --> 43:30.600]  They did not sell the note, they sold the beneficial interest in the note.
[43:30.600 --> 43:38.100]  So they did not transfer the note to the investors, they merely sold the investor the right to
[43:38.100 --> 43:43.600]  collect the income stream from the note.
[43:43.600 --> 43:48.720]  We'll get back to that in a bit, why that's really important.
[43:48.720 --> 43:54.560]  And so they sold off the beneficial interest and they received enough funds to pay off
[43:54.560 --> 44:01.800]  this loan to these big major banks.
[44:01.800 --> 44:07.160]  Mr. President, members of Congress, you've been making a lot of noise about taking our
[44:07.160 --> 44:15.840]  guns away, but you might want to review history, 1835, Gonzales, Texas Territory, the authorities
[44:15.840 --> 44:22.400]  wanted to confiscate the big gun that protected that colony, you know what the people said?
[44:22.400 --> 44:29.640]  Come and take it, because they were willing to fight for their freedom and their guns,
[44:29.640 --> 44:30.640]  so are we.
[44:30.640 --> 44:37.640]  Come and take it, if you want it, come and take it, if you think you can, come and take
[44:37.640 --> 44:42.640]  it, but I warn you, you'll have to fight it from my colded hands.
[44:42.640 --> 44:49.640]  We want the freedom that God gave us, so you best not cross that line.
[44:49.640 --> 44:54.640]  If you want this gun, you gotta come through us and take it.
[44:54.640 --> 45:00.640]  One shot at a time, just like Gonzales, we're keeping our guns.
[45:00.640 --> 45:03.640]  Are you the plaintiff or defendant in a lawsuit?
[45:03.640 --> 45:10.640]  Win your case without an attorney with Jurisdictionary, the affordable, easy to understand, 4 CD course
[45:10.640 --> 45:14.640]  that will show you how in 24 hours, step by step.
[45:14.640 --> 45:18.640]  If you have a lawyer, know what your lawyer should be doing.
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[45:27.640 --> 45:33.640]  Jurisdictionary was created by a licensed attorney with 22 years of case winning experience.
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[45:38.640 --> 45:42.640]  the principles and practices that control our American courts.
[45:42.640 --> 45:49.640]  You'll receive our audio classroom, video seminar, tutorials, forms for civil cases,
[45:49.640 --> 45:52.640]  pro se tactics, and much more.
[45:52.640 --> 46:20.640]  Visit ruleoflawradio.com and click on the banner or call toll free, 866-LAW-EZ.
[46:20.640 --> 46:26.640]  Okay, we are back.
[46:26.640 --> 46:29.640]  Randy Kelton, Debbie Stevens, Rule of Law Radio.
[46:29.640 --> 46:34.640]  And I'm telling kind of a complicated story.
[46:34.640 --> 46:45.640]  And if you've looked into the mortgage issue at all, you'll recognize how these pieces begin to fit together.
[46:45.640 --> 46:58.640]  So we were at the point where the impression was that the lender provided funding to secure the warranty deed,
[46:58.640 --> 47:01.640]  when in fact he did no such thing.
[47:01.640 --> 47:08.640]  Table funded the note, got the funding from a special purpose vehicle, whom the impression was
[47:08.640 --> 47:13.640]  is that the special purpose vehicle borrowed a large sum of money from one of the major banks,
[47:13.640 --> 47:22.640]  used that money to purchase the warranty deeds, traded the warranty deeds for notes,
[47:22.640 --> 47:28.640]  and then took the note and the security instrument.
[47:28.640 --> 47:31.640]  The security instrument had no value of its own.
[47:31.640 --> 47:40.640]  It was merely a contract pledging the property as collateral to insure payment on the note.
[47:40.640 --> 47:50.640]  Then the lender sold not the note itself, but the right to collect the payments on the note.
[47:50.640 --> 48:01.640]  By doing that, they can maintain possession of the note and the security instrument
[48:01.640 --> 48:06.640]  and only sell the right to collect on the note.
[48:06.640 --> 48:16.640]  Well, what we're maintaining is that it's based on revelations in the news of late against Wachovia,
[48:16.640 --> 48:25.640]  Washington Mutual, and HSBC, HSBC being the worst.
[48:25.640 --> 48:36.640]  We have reason to believe that the special purpose vehicle did not secure fundings through a large loan from one of the major banks,
[48:36.640 --> 48:50.640]  that in fact the special purpose vehicle used its own funds, funds secured from the Mexican and Colombian drug cartels.
[48:50.640 --> 48:59.640]  They used this as a vehicle to insert those funds into the economy.
[48:59.640 --> 49:09.640]  Under the cover of these funds being drawn from the Federal Reserve when no such thing occurred,
[49:09.640 --> 49:15.640]  the lender standing as the pretender lender pretended to pull the funds from the Federal Reserve
[49:15.640 --> 49:20.640]  when in fact he got them from the special purpose vehicle who got them from the drug cartels
[49:20.640 --> 49:26.640]  so that the money goes into the economy in a manner that appears to be legitimate.
[49:26.640 --> 49:33.640]  And when the money is paid back, the money is completely laundered.
[49:33.640 --> 49:40.640]  Wachovia, the reason Wachovia had to shut down and sell to Wells Fargo,
[49:40.640 --> 49:55.640]  Wachovia was caught laundering money for the drug cartels to the tune of $378.4 billion.
[49:55.640 --> 50:00.640]  That is a tremendous amount of money.
[50:00.640 --> 50:13.640]  I'm not sure of the exact number, but that's close to enough to cover every single mortgage written in the United States for the last 10 years.
[50:13.640 --> 50:18.640]  And that was just Wachovia. HSBC was even worse.
[50:18.640 --> 50:26.640]  And the reason Washington Mutual went out of business was the same type of shenanigans.
[50:26.640 --> 50:32.640]  So we're maintaining that the lender, by its lack of full disclosure,
[50:32.640 --> 50:40.640]  failed to disclose to us that they were participating in the largest money laundering scheme in the history of the planet.
[50:40.640 --> 50:53.640]  It's been asserted that these predatory lending practices was the largest Ponzi scheme in the history of the planet.
[50:53.640 --> 50:57.640]  And I'm maintaining it wasn't a Ponzi scheme at all.
[50:57.640 --> 51:00.640]  It was a money laundering scheme.
[51:00.640 --> 51:10.640]  And the lender, the borrower, was induced to participate in a money laundering scheme through fraud by non-disclosure.
[51:10.640 --> 51:19.640]  Now, in order for the lender to prove that this was not the case,
[51:19.640 --> 51:27.640]  the lender will have to give me evidence that I need to use against the lender elsewhere.
[51:27.640 --> 51:34.640]  There are a lot of other issues I can go through from here, but this is one I wanted to get out just so you hear it.
[51:34.640 --> 51:49.640]  And if you have any questions about it or discussions about the potential or the likelihood of money laundering or shenanigans by the banks in the funding process,
[51:49.640 --> 51:55.640]  any information that you may have that I don't, I would certainly like to get from you.
[51:55.640 --> 51:59.640]  Okay, I'm going to stop babbling now.
[51:59.640 --> 52:03.640]  And we have two or three callers on the board.
[52:03.640 --> 52:08.640]  I'm going to go to our callers, and I'm going to start with Troy in Colorado.
[52:08.640 --> 52:10.640]  Hello, Troy.
[52:10.640 --> 52:12.640]  Hello, Randy. How are you this evening?
[52:12.640 --> 52:15.640]  I am doing good, and I apologize for last night.
[52:15.640 --> 52:20.640]  Last night, Troy called in early in the show, and we had two or three guests.
[52:20.640 --> 52:28.640]  And we did the gun giveaway yesterday and wound up using up the whole show.
[52:28.640 --> 52:32.640]  Troy waited for us for two hours.
[52:32.640 --> 52:36.640]  Okay, what do you have for us today, Troy?
[52:36.640 --> 52:38.640]  No apologies necessary.
[52:38.640 --> 52:41.640]  I appreciate you guys doing what you did with the gun giveaway.
[52:41.640 --> 52:43.640]  That was an awesome deal there.
[52:43.640 --> 52:49.640]  First off, let me start off with you mentioned in talking about HSBC.
[52:49.640 --> 53:00.640]  They're not only doing a money laundering thing, but they're turning their unsecured loans into secured loans so that they can try to take property from people.
[53:00.640 --> 53:03.640]  And that's what happened to me.
[53:03.640 --> 53:11.640]  Their witness on stand to testify against me had lied on stand about it.
[53:11.640 --> 53:24.640]  I had asked her if my payments had been made proper, if they were properly applied to my account, and she said they were.
[53:24.640 --> 53:27.640]  And I knew that they weren't.
[53:27.640 --> 53:33.640]  And the reason they're doing that is so that they can apply more interest and more penalties against me.
[53:33.640 --> 53:39.640]  So I quit paying them, and they sold it to a collection agency.
[53:39.640 --> 53:47.640]  And I started paying the collection agency, got them all kind of planned, worked out with them, was doing just fine with them.
[53:47.640 --> 53:51.640]  And the next thing I know, HSBC is suing me.
[53:51.640 --> 54:05.640]  And they took four or five times they had canceled, or not canceled, sorry for the lack of the word,
[54:05.640 --> 54:10.640]  but when we were in court, they had withdrawn their case four or five times.
[54:10.640 --> 54:12.640]  They tried to do it with prejudice.
[54:12.640 --> 54:18.640]  I said, no, I wanted without prejudice so they could come after me again because they were trying to take my property from me.
[54:18.640 --> 54:26.640]  It's not only just money laundering with them.
[54:26.640 --> 54:27.640]  Hello?
[54:27.640 --> 54:28.640]  Oh, no, go ahead.
[54:28.640 --> 54:29.640]  I thought I'd lost you there.
[54:29.640 --> 54:33.640]  You said not only were they money laundering, but what else were you saying?
[54:33.640 --> 54:36.640]  You kind of stopped in mid-incidence.
[54:36.640 --> 54:44.640]  It's not only money laundering that they're doing, but with their credit card loans and their revolving account loans,
[54:44.640 --> 54:52.640]  they're trying to turn those in so that they can make it so that people have to give their properties up.
[54:52.640 --> 54:53.640]  Wait a minute.
[54:53.640 --> 54:57.640]  Are you saying that they're taking a revolving account?
[54:57.640 --> 55:03.640]  Was this a home equity loan?
[55:03.640 --> 55:07.640]  No, it was a revolving account that was supposed to be unsecured,
[55:07.640 --> 55:15.640]  but inside of the documents and of course the fine small print that no one can read,
[55:15.640 --> 55:22.640]  they could take me to court, judicial court, and win and take my property from me.
[55:22.640 --> 55:23.640]  Okay.
[55:23.640 --> 55:28.640]  Did you write a lien?
[55:28.640 --> 55:34.640]  Did you provide them with a confessed judgment against the property?
[55:34.640 --> 55:36.640]  Let me explain what a confessed judgment is.
[55:36.640 --> 55:40.640]  It's called a mortgage.
[55:40.640 --> 55:53.640]  A mortgage tells the lender that you provided funds to me in return for a promise to pay you,
[55:53.640 --> 55:58.640]  but since those funds were used to procure this property,
[55:58.640 --> 56:07.640]  you want me to provide a claim against the property so that the lender not only has a claim against you,
[56:07.640 --> 56:14.640]  but also has a claim against the property so they can file an in rem action against the property.
[56:14.640 --> 56:22.640]  Ordinarily, based on the loan, the lender would have a claim against you personally.
[56:22.640 --> 56:24.640]  They could take you to court.
[56:24.640 --> 56:28.640]  They could sue you in court and get a claim against you.
[56:28.640 --> 56:39.640]  Then they could petition to the court for an order to liquidate your property in order to satisfy the claim.
[56:39.640 --> 56:45.640]  What they said was in order for us to provide you with this funding,
[56:45.640 --> 56:48.640]  we don't want to have to sue you personally.
[56:48.640 --> 56:52.640]  We want to be able to sue the property.
[56:52.640 --> 56:58.640]  So we want you to grant us a claim against the property.
[56:58.640 --> 57:00.640]  Absolutely.
[57:00.640 --> 57:05.640]  Did you write them a claim against the property?
[57:05.640 --> 57:06.640]  No.
[57:06.640 --> 57:14.640]  I answered the summons with a complaint to the court telling them that they did not have jurisdiction over the matter
[57:14.640 --> 57:19.640]  due to the binding arbitration agreement that was involved in the contract.
[57:19.640 --> 57:23.640]  And HSBC was in violation of that.
[57:23.640 --> 57:24.640]  Okay.
[57:24.640 --> 57:25.640]  Hold on.
[57:25.640 --> 57:32.640]  Have you looked at any of these people that help with dealing with the banks?
[57:32.640 --> 57:39.640]  Like we have one that we promote, Mike Muras, dealing with the debt collectors.
[57:39.640 --> 57:41.640]  No, I haven't.
[57:41.640 --> 57:45.640]  Randy is the only people I've had to deal with here is here in Denver.
[57:45.640 --> 57:52.640]  And they all seem to be on the side of the courts.
[57:52.640 --> 57:53.640]  Okay.
[57:53.640 --> 57:58.640]  When we come back, I'm hoping Mark in Wisconsin is listening.
[57:58.640 --> 58:00.640]  Mark, if you're listening, will you call in?
[58:00.640 --> 58:03.640]  I'd like to bring you up on this conversation.
[58:03.640 --> 58:04.640]  Hang on.
[58:04.640 --> 58:05.640]  This is Randy Kelton.
[58:05.640 --> 58:07.640]  Oh, this is the one at the top of the hour break.
[58:07.640 --> 58:09.640]  So we have a few more minutes.
[58:09.640 --> 58:10.640]  A few more.
[58:10.640 --> 58:12.640]  One more minute.
[58:12.640 --> 58:18.640]  Mark is one that's taken on the debt collectors.
[58:18.640 --> 58:23.640]  And he was kind of annoyed after he beat up the last one,
[58:23.640 --> 58:27.640]  that he got them all to pay and to go away and quit beating them up.
[58:27.640 --> 58:32.640]  And he wanted to go out and get some more credit cards so he could beat them up some more.
[58:32.640 --> 58:39.640]  So we can show you, we've got people who can show you how to really work these guys over.
[58:39.640 --> 58:40.640]  Hang on.
[58:40.640 --> 58:43.640]  This is Randy Kelton, Deborah Stevens, Rule of Law Radio.
[58:43.640 --> 58:47.640]  I'll call in number 512-646-1984.
[58:47.640 --> 58:49.640]  We'll be right back.
[58:49.640 --> 58:53.640]  Would you like to make more definite progress in your walk with God?
[58:53.640 --> 58:57.640]  Bibles for America is offering a free study Bible
[58:57.640 --> 59:00.640]  and a set of free Christian books that can really help.
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[59:05.640 --> 59:07.640]  It's an accurate translation,
[59:07.640 --> 59:12.640]  and it contains thousands of footnotes that will help you to know God and to know the meaning of life.
[59:12.640 --> 59:17.640]  The free books are a three-volume set called Basic Elements of the Christian Life.
[59:17.640 --> 59:23.640]  Chapter by chapter, Basic Elements of the Christian Life clearly presents God's plan of salvation,
[59:23.640 --> 59:27.640]  growing in Christ, and how to build up the Church.
[59:27.640 --> 59:33.640]  To order your free New Testament Recovery Version and Basic Elements of the Christian Life,
[59:33.640 --> 59:40.640]  call Bibles for America toll-free at 888-551-0102.
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[59:55.640 --> 59:58.640]  You're listening to the Liberty Beat,
[59:58.640 --> 01:00:02.640]  your daily source for Liberty news and activist updates,
[01:00:02.640 --> 01:00:07.640]  online at thelibertybeat.com.
[01:00:07.640 --> 01:00:12.640]  Sean Bush here with your Liberty Beat for Friday, July 26, 2013.
[01:00:12.640 --> 01:00:17.640]  Gold opened today at $1,323, silver at $19.96,
[01:00:17.640 --> 01:00:21.640]  and bitcoin is trading at $19.96.
[01:00:21.640 --> 01:00:26.640]  Support for the Liberty Beat comes from Cabo Robs,
[01:00:26.640 --> 01:00:30.640]  the first high-fructose corn syrup-free quick-serve restaurant in the country,
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[01:00:34.640 --> 01:00:41.640]  in Austin at 500 East Ben White Boulevard, or by phone at 512-432-1111.
[01:00:41.640 --> 01:00:43.640]  And now the news.
[01:00:43.640 --> 01:00:47.640]  New Jersey Governor Chris Christie has gone on the offensive against libertarianism
[01:00:47.640 --> 01:00:51.640]  when it comes to national security.
[01:00:51.640 --> 01:00:55.640]  Speaking to the Aspen Institute yesterday, Governor Christie had this to say.
[01:00:55.640 --> 01:00:59.640]  This strain of libertarianism that's going through both parties right now
[01:00:59.640 --> 01:01:04.640]  and making big headlines, I think is a very dangerous thought.
[01:01:04.640 --> 01:01:07.640]  His comments come the day after the U.S. House narrowly defeated a measure
[01:01:07.640 --> 01:01:10.640]  that would have limited the NSA's ability to spy on Americans.
[01:01:10.640 --> 01:01:14.640]  When asked if Christie was referring to politicians like Senator Rand Paul,
[01:01:14.640 --> 01:01:17.640]  Christie responded, you can name any number of people of obligation,
[01:01:17.640 --> 01:01:19.640]  and he's one of them.
[01:01:19.640 --> 01:01:22.640]  I mean, these esoteric, intellectual debates,
[01:01:22.640 --> 01:01:27.640]  I want them to come to New Jersey and sit across from the widows and the orphans.
[01:01:27.640 --> 01:01:29.640]  Senator Paul's office fired back, saying,
[01:01:29.640 --> 01:01:31.640]  if Governor Christie believes the constitutional rights
[01:01:31.640 --> 01:01:34.640]  and the privacy of all Americans is esoteric,
[01:01:34.640 --> 01:01:37.640]  he either needs a new dictionary or he needs to talk to more Americans,
[01:01:37.640 --> 01:01:40.640]  because a great number of them are concerned about the dramatic overreach
[01:01:40.640 --> 01:01:46.640]  of our government in recent years.
[01:01:46.640 --> 01:01:48.640]  In this week's Too Much Government News,
[01:01:48.640 --> 01:01:52.640]  the 5,550-resident township of Coropolis, Pennsylvania
[01:01:52.640 --> 01:01:56.640]  passed an ordinance this week banning loud noises in public spaces.
[01:01:56.640 --> 01:01:59.640]  Specifically, the ordinance prohibits yelling, shouting, hooting,
[01:01:59.640 --> 01:02:01.640]  whistling, and singing on public streets,
[01:02:01.640 --> 01:02:04.640]  which would disrupt the quiet and comfort of residents.
[01:02:04.640 --> 01:02:08.640]  Violations of the ordinance can result in up to a $500 fine.
[01:02:08.640 --> 01:02:11.640]  It remains to be seen whether this ordinance will be challenged
[01:02:11.640 --> 01:02:17.640]  on First Amendment grounds.
[01:02:17.640 --> 01:02:21.640]  Being rude to the president of France is no longer an automatic criminal offense.
[01:02:21.640 --> 01:02:23.640]  France's parliament agreed today.
[01:02:23.640 --> 01:02:28.640]  In the interest of free speech, MPs revoked legislation dating back to 1881,
[01:02:28.640 --> 01:02:31.640]  when anything judged to have offended the head of the state
[01:02:31.640 --> 01:02:33.640]  risked an automatic fine.
[01:02:33.640 --> 01:02:36.640]  The change followed the European Court of Human Rights' ruling in March
[01:02:36.640 --> 01:02:39.640]  that France violated a demonstrator's right to freedom of expression
[01:02:39.640 --> 01:02:42.640]  when he referred to Nicolas Sarkozy as a jerk.
[01:02:42.640 --> 01:02:45.640]  Support for the Liberty Beat comes from Central Texas Gunworks,
[01:02:45.640 --> 01:02:49.640]  CHL Forces self-defense training and firearm sales,
[01:02:49.640 --> 01:02:52.640]  online at centraltexasgunworks.com.
[01:02:52.640 --> 01:02:54.640]  You've been listening to the Liberty Beat.
[01:02:54.640 --> 01:02:59.640]  Remember to question everything and live free.
[01:02:59.640 --> 01:03:11.640]  This all according to the will of the Almighty
[01:03:11.640 --> 01:03:18.640]  I read his book and it says he cares not for the unsightly
[01:03:18.640 --> 01:03:27.640]  These warmongers come by that term rightly
[01:03:27.640 --> 01:03:30.640]  I won't pay for the war with my body
[01:03:30.640 --> 01:03:34.640]  Ain't gonna pay for the car with my money
[01:03:34.640 --> 01:03:37.640]  I won't pay for the fun with my body
[01:03:37.640 --> 01:03:41.640]  That France wicked and that logic shoddy
[01:03:41.640 --> 01:03:43.640]  Ain't gonna pay for the war with my body
[01:03:43.640 --> 01:03:44.640]  Okay, we are back.
[01:03:44.640 --> 01:03:47.640]  Randy Kelton, W. Stevens, Rue de la Radio,
[01:03:47.640 --> 01:03:52.640]  and we're talking to Troy in Colorado.
[01:03:52.640 --> 01:03:56.640]  Troy, if these are just debt collectors,
[01:03:56.640 --> 01:04:00.640]  they are effectively easy prey.
[01:04:00.640 --> 01:04:03.640]  I have, I do the foreclosure issue,
[01:04:03.640 --> 01:04:12.640]  so I have, I try to kind of stay away from debt collection part.
[01:04:12.640 --> 01:04:14.640]  We have people who do that,
[01:04:14.640 --> 01:04:16.640]  and if you will go on our website,
[01:04:16.640 --> 01:04:19.640]  ruleoflawradio.com,
[01:04:19.640 --> 01:04:25.640]  and there's a blue banner down at the bottom from Mike Mirris.
[01:04:25.640 --> 01:04:29.640]  Mike Mirris, he's like me.
[01:04:29.640 --> 01:04:31.640]  He will show you how to kick their behinds
[01:04:31.640 --> 01:04:33.640]  every way from Sunday
[01:04:33.640 --> 01:04:36.640]  and wind up getting them to pay you
[01:04:36.640 --> 01:04:40.640]  to get you to go away and leave them alone.
[01:04:40.640 --> 01:04:44.640]  There are a lot of things you can do to these debt collectors.
[01:04:44.640 --> 01:04:45.640]  Go ahead.
[01:04:45.640 --> 01:04:49.640]  What my point was, Randy, is that it's not just mortgage company
[01:04:49.640 --> 01:04:53.640]  because I also have PNC that did a similar thing to me
[01:04:53.640 --> 01:04:56.640]  that they're not after our money.
[01:04:56.640 --> 01:04:58.640]  They're after our properties.
[01:04:58.640 --> 01:05:01.640]  That was the point I was trying to get across.
[01:05:01.640 --> 01:05:03.640]  Okay, did they already get a,
[01:05:03.640 --> 01:05:07.640]  did they sue you and get a claim against you?
[01:05:07.640 --> 01:05:09.640]  They sued me, and I went against,
[01:05:09.640 --> 01:05:12.640]  I first hired an attorney, and I fired that attorney
[01:05:12.640 --> 01:05:14.640]  because you wouldn't do what I wanted to,
[01:05:14.640 --> 01:05:20.640]  so I went against them pro se, and I won.
[01:05:20.640 --> 01:05:23.640]  Okay, how are they coming after your property?
[01:05:23.640 --> 01:05:26.640]  They're not coming after right now,
[01:05:26.640 --> 01:05:28.640]  but what I've been listening to you about
[01:05:28.640 --> 01:05:30.640]  is that I'm ready to go after my mortgage company
[01:05:30.640 --> 01:05:33.640]  now for what they have done to me in the past.
[01:05:33.640 --> 01:05:35.640]  Oh, okay.
[01:05:35.640 --> 01:05:38.640]  What is the condition of your mortgage?
[01:05:38.640 --> 01:05:42.640]  My condition of my mortgage is current and faithful.
[01:05:42.640 --> 01:05:46.640]  My mortgage company tried to set me up like a stack of dominoes
[01:05:46.640 --> 01:05:49.640]  and foreclose on me and take my property.
[01:05:49.640 --> 01:05:51.640]  Oh, wonderful.
[01:05:51.640 --> 01:05:53.640]  You are in a great position to kick their
[01:05:53.640 --> 01:05:56.640]  behinds every way from Sunday.
[01:05:56.640 --> 01:05:59.640]  This is one of the issues.
[01:05:59.640 --> 01:06:05.640]  But this issue is, while it's a valid issue,
[01:06:05.640 --> 01:06:09.640]  and I make a valid argument,
[01:06:09.640 --> 01:06:14.640]  there's something else I want them to give me.
[01:06:14.640 --> 01:06:16.640]  And I'm not going to, they may be listening,
[01:06:16.640 --> 01:06:18.640]  so I'm not going to tell them what it is.
[01:06:18.640 --> 01:06:21.640]  I'll tell you what it is off the air.
[01:06:21.640 --> 01:06:24.640]  But if I do this right,
[01:06:24.640 --> 01:06:27.640]  then I can sacrifice this argument
[01:06:27.640 --> 01:06:32.640]  when they prove up the source of the funds.
[01:06:32.640 --> 01:06:37.640]  I want to see the audit trail.
[01:06:37.640 --> 01:06:40.640]  The audit trail will prove up something
[01:06:40.640 --> 01:06:44.640]  they do not want to prove.
[01:06:44.640 --> 01:06:47.640]  While it'll prove, they may be able to prove
[01:06:47.640 --> 01:06:52.640]  they didn't get the money from the drug cartels.
[01:06:52.640 --> 01:06:55.640]  In the process of proving that up,
[01:06:55.640 --> 01:06:57.640]  they'll give me the information they need
[01:06:57.640 --> 01:07:00.640]  to hammer them somewhere else.
[01:07:00.640 --> 01:07:03.640]  If you are interested in taking them on,
[01:07:03.640 --> 01:07:06.640]  first thing you need to do,
[01:07:06.640 --> 01:07:10.640]  go down to the county clerk.
[01:07:10.640 --> 01:07:13.640]  Ask the county clerk, or I'm sorry,
[01:07:13.640 --> 01:07:16.640]  the county registrar's office.
[01:07:16.640 --> 01:07:20.640]  I think in Colorado it's the same place.
[01:07:20.640 --> 01:07:23.640]  It's generally in the county clerk's office.
[01:07:23.640 --> 01:07:31.640]  And ask the clerk to run a search on your property.
[01:07:31.640 --> 01:07:34.640]  Give them the address of the property.
[01:07:34.640 --> 01:07:42.640]  Ask the clerk how they search for claims against the property.
[01:07:42.640 --> 01:07:47.640]  By name, by the owner's name,
[01:07:47.640 --> 01:07:52.640]  by the address, by legal description.
[01:07:52.640 --> 01:07:54.640]  And if they say all three,
[01:07:54.640 --> 01:07:57.640]  ask the clerk to run a search on their system
[01:07:57.640 --> 01:08:00.640]  and give you a printout of the results
[01:08:00.640 --> 01:08:02.640]  for however they search,
[01:08:02.640 --> 01:08:04.640]  for whatever's in the record.
[01:08:04.640 --> 01:08:08.640]  There's a reason for doing it this way.
[01:08:08.640 --> 01:08:16.640]  You want to find everything that is available publicly.
[01:08:16.640 --> 01:08:19.640]  If they have something filed
[01:08:19.640 --> 01:08:24.640]  and the clerk can't find it that relates to your property,
[01:08:24.640 --> 01:08:27.640]  then it is not properly filed
[01:08:27.640 --> 01:08:30.640]  and you don't want to find it,
[01:08:30.640 --> 01:08:33.640]  or at least not this way.
[01:08:33.640 --> 01:08:39.640]  If you have a letter from the lender
[01:08:39.640 --> 01:08:42.640]  that indicates that something else has been filed
[01:08:42.640 --> 01:08:44.640]  but you can't find it,
[01:08:44.640 --> 01:08:46.640]  don't look for it.
[01:08:46.640 --> 01:08:48.640]  Do this regular search.
[01:08:48.640 --> 01:08:51.640]  Send somebody else to scour their records
[01:08:51.640 --> 01:08:53.640]  a little more closely to find out where it is.
[01:08:53.640 --> 01:08:56.640]  But you want plausible deniability.
[01:08:56.640 --> 01:09:02.640]  Once you have these lists of what the clerk can find,
[01:09:02.640 --> 01:09:04.640]  then get a copy of each one.
[01:09:04.640 --> 01:09:06.640]  They don't have to be certified.
[01:09:06.640 --> 01:09:09.640]  If you can access the records online,
[01:09:09.640 --> 01:09:11.640]  I'll send you a little application
[01:09:11.640 --> 01:09:16.640]  that will let you capture them from your computer.
[01:09:16.640 --> 01:09:20.640]  Then take the names of all of the notaries
[01:09:20.640 --> 01:09:23.640]  on all of the documents.
[01:09:23.640 --> 01:09:25.640]  The notary will have a name and address
[01:09:25.640 --> 01:09:28.640]  and send a request to the notary
[01:09:28.640 --> 01:09:31.640]  for evidence of authentication
[01:09:31.640 --> 01:09:36.640]  for evidence of all authentications
[01:09:36.640 --> 01:09:39.640]  from the day before to the day after
[01:09:39.640 --> 01:09:42.640]  the date on this document.
[01:09:42.640 --> 01:09:44.640]  But in doing that,
[01:09:44.640 --> 01:09:50.640]  I suggest that you have somebody else send it.
[01:09:50.640 --> 01:09:53.640]  So they'll have no way of knowing specifically
[01:09:53.640 --> 01:09:57.640]  which record you're looking for.
[01:09:57.640 --> 01:10:00.640]  This seems to be one of the biggest areas of fraud
[01:10:00.640 --> 01:10:04.640]  and one of the stupidest areas of fraud.
[01:10:04.640 --> 01:10:10.640]  To say the chump change in the notary process,
[01:10:10.640 --> 01:10:13.640]  they bypass the proper procedures
[01:10:13.640 --> 01:10:15.640]  and do this stupid stuff
[01:10:15.640 --> 01:10:18.640]  and file these fraudulent documents
[01:10:18.640 --> 01:10:21.640]  that can get them put in jail for crying out loud.
[01:10:21.640 --> 01:10:24.640]  So you want to get a request
[01:10:24.640 --> 01:10:26.640]  to all of the notaries for evidence,
[01:10:26.640 --> 01:10:29.640]  and you ask for evidence of authentication.
[01:10:29.640 --> 01:10:32.640]  Don't explain it.
[01:10:32.640 --> 01:10:36.640]  In some states, Colorado is one,
[01:10:36.640 --> 01:10:40.640]  notaries are required to keep a sequential ledger,
[01:10:40.640 --> 01:10:44.640]  but not in all states, Ohio, Michigan, Florida,
[01:10:44.640 --> 01:10:47.640]  Minnesota, New Mexico.
[01:10:47.640 --> 01:10:49.640]  There's a number of states that don't require
[01:10:49.640 --> 01:10:51.640]  that you keep a sequential ledger.
[01:10:51.640 --> 01:10:54.640]  So you ask them for evidence.
[01:10:54.640 --> 01:10:57.640]  They all have taxes.
[01:10:57.640 --> 01:11:01.640]  Can you tell me again what it is I want to ask them for?
[01:11:01.640 --> 01:11:04.640]  Evidence of authentication.
[01:11:04.640 --> 01:11:10.640]  On my website, remediesinrealestate.com,
[01:11:10.640 --> 01:11:17.640]  the second link across the top is free mortgage analysis
[01:11:17.640 --> 01:11:19.640]  or free forensic analysis.
[01:11:19.640 --> 01:11:23.640]  Click on that, and it'll bring up a map.
[01:11:23.640 --> 01:11:27.640]  The main node, the very first node in the map
[01:11:27.640 --> 01:11:29.640]  where it says mortgage analysis.
[01:11:29.640 --> 01:11:31.640]  Click on that, and that'll take you to a page
[01:11:31.640 --> 01:11:35.640]  that'll give you links to all of these letters.
[01:11:35.640 --> 01:11:37.640]  And what's that website again?
[01:11:37.640 --> 01:11:42.640]  It's remediesinrealestate.com.
[01:11:42.640 --> 01:11:44.640]  If you'll send me an email asking for it,
[01:11:44.640 --> 01:11:46.640]  I will explain it to you,
[01:11:46.640 --> 01:11:49.640]  and I'll put the links in the email,
[01:11:49.640 --> 01:11:52.640]  so you click on the link and go right to it.
[01:11:52.640 --> 01:11:55.640]  That is the great information that you've shared
[01:11:55.640 --> 01:11:57.640]  with everybody here tonight, Randy.
[01:11:57.640 --> 01:12:00.640]  Okay, wait, I'm not done yet.
[01:12:00.640 --> 01:12:03.640]  We're just getting warmed up on these turkeys.
[01:12:03.640 --> 01:12:06.640]  You're in a good position.
[01:12:06.640 --> 01:12:08.640]  I've done this show a long time,
[01:12:08.640 --> 01:12:13.640]  and I get a lot of people in the patriot community
[01:12:13.640 --> 01:12:16.640]  proposing the administrative remedies,
[01:12:16.640 --> 01:12:18.640]  but I never could get anybody.
[01:12:18.640 --> 01:12:21.640]  They always wanted to do a lot of patriot mythology
[01:12:21.640 --> 01:12:22.640]  in the process.
[01:12:22.640 --> 01:12:25.640]  I couldn't get any good documentation,
[01:12:25.640 --> 01:12:27.640]  so I finally had to develop my own.
[01:12:27.640 --> 01:12:30.640]  These are administrative procedures,
[01:12:30.640 --> 01:12:33.640]  and what these will do will set up claims
[01:12:33.640 --> 01:12:37.640]  that you can subsequently bring to the bank.
[01:12:37.640 --> 01:12:40.640]  I'll also send you a death validation letter,
[01:12:40.640 --> 01:12:45.640]  and these will do the setup.
[01:12:45.640 --> 01:12:49.640]  If you have had a change of servicer within 30 days,
[01:12:49.640 --> 01:12:53.640]  we'll send a qualified written request,
[01:12:53.640 --> 01:12:55.640]  but that's something we can do later.
[01:12:55.640 --> 01:12:57.640]  Right now, death validation letter,
[01:12:57.640 --> 01:13:00.640]  which they won't properly answer,
[01:13:00.640 --> 01:13:03.640]  a letter to all of the notaries asking them for proof
[01:13:03.640 --> 01:13:09.640]  that they did a proper notary, just evidence of authentication.
[01:13:09.640 --> 01:13:15.640]  All a notary does is authenticate that the person
[01:13:15.640 --> 01:13:20.640]  whose name is on the document is, in fact,
[01:13:20.640 --> 01:13:24.640]  the person that signed that name on the document.
[01:13:24.640 --> 01:13:28.640]  And all this stuff you've heard about robo-signing?
[01:13:28.640 --> 01:13:29.640]  Yes.
[01:13:29.640 --> 01:13:30.640]  They didn't do it right.
[01:13:30.640 --> 01:13:33.640]  The notary didn't properly notarize it,
[01:13:33.640 --> 01:13:37.640]  so we take the notary to task on that.
[01:13:37.640 --> 01:13:43.640]  And then, for every signature except your own
[01:13:43.640 --> 01:13:47.640]  that has been notarized,
[01:13:47.640 --> 01:13:49.640]  there's another letter in there
[01:13:49.640 --> 01:13:54.640]  that will go to the entity for whom that person signed.
[01:13:54.640 --> 01:13:56.640]  Most of the time it's MERS,
[01:13:56.640 --> 01:14:00.640]  if MERS is included in your documentation.
[01:14:00.640 --> 01:14:05.640]  It may be for the lender or for the servicer or somebody.
[01:14:05.640 --> 01:14:12.640]  You send them a letter requesting evidence of power of attorney.
[01:14:12.640 --> 01:14:17.640]  And you won't get a letter of response to that either.
[01:14:17.640 --> 01:14:20.640]  So these will raise claims.
[01:14:20.640 --> 01:14:21.640]  You can go to the judge and say,
[01:14:21.640 --> 01:14:24.640]  Your Honor, this guy's a robo-signer.
[01:14:24.640 --> 01:14:27.640]  Why, his name is splattered all over the Internet.
[01:14:27.640 --> 01:14:31.640]  And the judge is going to say, So what?
[01:14:31.640 --> 01:14:35.640]  That does not mean that in this case
[01:14:35.640 --> 01:14:40.640]  he did not have authority to act under power of attorney.
[01:14:40.640 --> 01:14:42.640]  So with these letters sent out,
[01:14:42.640 --> 01:14:45.640]  we go to the court and we say, Your Honor,
[01:14:45.640 --> 01:14:47.640]  this guy's a robo-signer.
[01:14:47.640 --> 01:14:49.640]  His name is splattered all over the Internet.
[01:14:49.640 --> 01:14:54.640]  So we had reason to doubt the veracity of that signature.
[01:14:54.640 --> 01:14:59.640]  So we sent a request to the company for whom he signed
[01:14:59.640 --> 01:15:03.640]  requesting evidence of power of attorney.
[01:15:03.640 --> 01:15:07.640]  And they failed to provide evidence of power of attorney.
[01:15:07.640 --> 01:15:10.640]  Therefore, we have reason to believe and do believe,
[01:15:10.640 --> 01:15:16.640]  based on best evidence, this guy's a robo-signer.
[01:15:16.640 --> 01:15:21.640]  So you're setting up the case.
[01:15:21.640 --> 01:15:25.640]  People who are already on the verge of being evicted,
[01:15:25.640 --> 01:15:28.640]  they don't have time as a luxury to get these things done.
[01:15:28.640 --> 01:15:33.640]  So you have time to get these things set up,
[01:15:33.640 --> 01:15:39.640]  then pull all of the documents in the record and send them to me.
[01:15:39.640 --> 01:15:44.640]  The first thing I'll do is I'll look them over.
[01:15:44.640 --> 01:15:50.640]  And if I find on its face that I see problems,
[01:15:50.640 --> 01:15:55.640]  then I want to do an evaluation of the county record.
[01:15:55.640 --> 01:16:01.640]  I take these documents and rip them apart piece by piece.
[01:16:01.640 --> 01:16:07.640]  From those, if we find the problems I expect to find
[01:16:07.640 --> 01:16:08.640]  and usually find,
[01:16:08.640 --> 01:16:12.640]  especially if they have already tried to force you in foreclosure,
[01:16:12.640 --> 01:16:18.640]  then we're likely to find some documents in the record that we can go after.
[01:16:18.640 --> 01:16:23.640]  Then we'll file a set of documentation into the record
[01:16:23.640 --> 01:16:29.640]  that rescinds the deed of trust for breach of contract.
[01:16:29.640 --> 01:16:35.640]  We will file a notice of default on the deed of trust.
[01:16:35.640 --> 01:16:38.640]  That's normally the bank that files a notice of default.
[01:16:38.640 --> 01:16:42.640]  And we're getting some blowback from some clerks.
[01:16:42.640 --> 01:16:45.640]  We're going to have to bump on some clerks a little bit
[01:16:45.640 --> 01:16:48.640]  to get them to get out of the way of the filing.
[01:16:48.640 --> 01:16:52.640]  And we're working out a procedure for getting around that.
[01:16:52.640 --> 01:16:59.640]  One point with HSBC was to turn that back around onto them as breach of contract.
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[01:20:16.640 --> 01:20:23.320]  it with my clock. Okay, when we went out, Troy, you were talking. Go ahead. We kind
[01:20:23.320 --> 01:20:24.320]  of cut you off there.
[01:20:24.320 --> 01:20:31.280]  Well, I was just saying, Randy, that I'm in that position you were saying about and
[01:20:31.280 --> 01:20:38.360]  I agree with you that this is an administrative position. I wish more people in the United
[01:20:38.360 --> 01:20:43.400]  States understood the true government, you know, the three true branches of the government,
[01:20:43.400 --> 01:20:56.160]  the legislative and gosh, now my tongue is tied now, right? But anyway, what these mortgage
[01:20:56.160 --> 01:21:01.720]  companies and it's not only a mortgage companies, but it's credit card companies, no matter
[01:21:01.720 --> 01:21:06.720]  what type of a loan it is, they're trying to turn in to taking over our properties and
[01:21:06.720 --> 01:21:11.720]  we need to stand up and fight against them because they don't have the right to take
[01:21:11.720 --> 01:21:13.800]  our properties from us.
[01:21:13.800 --> 01:21:23.200]  Well, they're trying to find a way to get paid and there's, you know, they're scoundrels.
[01:21:23.200 --> 01:21:33.480]  They just, Petty Fogger, shysters, grooming for filthy lucre to quote Robert Fox and Petty
[01:21:33.480 --> 01:21:43.880]  Fogger and shyster are similar terms. A Petty Fogger comes from, not Rikers Island, the
[01:21:43.880 --> 01:21:51.080]  island they brought everybody to when, I'm sorry, it was Rikers Island, where at the
[01:21:51.080 --> 01:21:55.320]  turn of the century, you didn't have to be a lawyer and they had people coming down trying
[01:21:55.320 --> 01:21:59.880]  to help people who's been arrested and had no clues to what they were doing. They called
[01:21:59.880 --> 01:22:06.920]  them Petty Foggers and you had the Petty Foggers and then you had the lawyers who only talked
[01:22:06.920 --> 01:22:10.200]  to the clients in order to see how much money they'd get from them. So you had the Petty
[01:22:10.200 --> 01:22:14.920]  Foggers and the shysters and that's what we're dealing with. They'll get your money any way
[01:22:14.920 --> 01:22:26.040]  they can. So we need to turn it back on them and we can. If you go to ruleoflawradio.com
[01:22:26.040 --> 01:22:33.720]  and click on the blue banner at the bottom, that's Mike Miras. I think his course is 200
[01:22:33.720 --> 01:22:40.680]  or 250, something in that order. It is absolutely the best investment you will ever make.
[01:22:42.040 --> 01:22:46.600]  Apparently, Mark's not listening. If Mark was listening, he'd call you in and tell you how
[01:22:46.600 --> 01:22:52.840]  he kicked their butts every way from Sunday and they paid him to go away and leave them alone.
[01:22:52.840 --> 01:23:04.280]  For instance, if they pull your credit, that's a felony and we've had a number of people get paid
[01:23:04.280 --> 01:23:11.800]  pretty decent to drop their case and not pursue them for felony prosecution. And pulling your
[01:23:11.800 --> 01:23:19.720]  credit is something they do on a regular basis. If they're calling you trying to collect
[01:23:19.720 --> 01:23:25.320]  you send them a debt validation letter and in the debt validation letter, you direct them to make
[01:23:25.320 --> 01:23:31.400]  all communications in writing and do not call you at home. Do not call you at work. Don't call my
[01:23:31.400 --> 01:23:40.200]  friends, neighbors, anybody. If they make one call, that's a thousand bucks for each call.
[01:23:40.200 --> 01:23:51.080]  So you keep a ledger, you count them up, you get a nice hefty stack, then you file a federal suit
[01:23:51.080 --> 01:24:02.200]  against them. Now you turn the tables on them. So there are tools we can use. We are trying to
[01:24:02.200 --> 01:24:12.200]  teach as many people as possible how to be the pro se from hell. That's why I called in tonight.
[01:24:12.200 --> 01:24:20.280]  I've signed your videos and I saw you on Alex Jones and it seems that I can learn a lot from you
[01:24:20.920 --> 01:24:27.000]  and I'm very interested in looking at your website and your program. You're telling me to go check
[01:24:27.000 --> 01:24:35.640]  out. We do have a lot of information. As a matter of fact, it sometimes gets overwhelming
[01:24:36.440 --> 01:24:41.320]  and we do have a program. We can help you with your procedure if you want us to help.
[01:24:41.320 --> 01:24:46.520]  I don't talk about that program a lot on the air because I don't want my radio show to be
[01:24:46.520 --> 01:24:57.400]  an infomercial, but we do do a teleconference call in show on Wednesday nights at eight o'clock
[01:24:57.400 --> 01:25:04.280]  central. And if you'll send me an email, I'll send you the call in number for that.
[01:25:04.280 --> 01:25:09.800]  And we only talk about foreclosure there. We send you that email.
[01:25:11.320 --> 01:25:14.120]  Already, is there anything else we need to handle right now?
[01:25:14.120 --> 01:25:19.000]  No, Randy. I just want to thank you for giving me the time tonight. I think you've given me more
[01:25:19.000 --> 01:25:24.200]  time than I deserve, but I really appreciate it and I look forward to your emails. Thank you,
[01:25:24.200 --> 01:25:30.200]  sir. Have a great evening. Okay. Thank you. And now we're going to go to Iris in Florida.
[01:25:30.920 --> 01:25:39.000]  Hello, Ms. Iris. Yes. Hello. Can you hear me? What do you have for us today?
[01:25:39.000 --> 01:25:50.600]  Well, I have a question. Surprisingly, I've been dealing with case things generally back and forth
[01:25:50.600 --> 01:26:01.560]  with letters requesting information like the note, who's the holder and all those kinds of
[01:26:01.560 --> 01:26:08.440]  information that, you know, that I find out about it that they just don't have that kind of information.
[01:26:08.440 --> 01:26:20.280]  So I went on default on February and after the case was the servicer, they end up being the
[01:26:20.280 --> 01:26:32.760]  collector after I stopped making the payment. So my question is, would it be better to wait for them
[01:26:32.760 --> 01:26:39.080]  and just keep sending them, you know, letters back and forth, every letter that they send me
[01:26:39.080 --> 01:26:47.160]  or any paperwork that they send me, just, you know, answer them? Okay, hold on. So you've stopped
[01:26:47.160 --> 01:26:53.480]  paying the payments, but they haven't initiated foreclosure yet? They have not initiated
[01:26:53.480 --> 01:27:00.200]  foreclosure. They send me a default, attempt to foreclose, and then they send me the default
[01:27:01.000 --> 01:27:10.280]  and that's practically it. They have not started the foreclosure yet. Okay. You heard what I told
[01:27:10.280 --> 01:27:18.280]  Troy earlier about going down and collecting records. You're not quite in the position Troy
[01:27:18.280 --> 01:27:27.640]  is, but close. So first thing we need to do is get a debt validation letter and a qualified written
[01:27:27.640 --> 01:27:35.400]  request. The qualified written request is somewhat more complex. In order to get a qualified written
[01:27:35.400 --> 01:27:44.120]  request, I would need you to go to the Remedies in Real Estate site and click on the Calculate
[01:27:44.120 --> 01:27:53.240]  Fraud page. And you'll need your HUD 1 Settlement Statement. That's generally two pages legal size
[01:27:53.880 --> 01:28:00.520]  with all of the fees they charge at closing. You'll need the Truth in Lending Statement that you got
[01:28:00.520 --> 01:28:09.640]  at closing and the Note. You fill in that Calculate Fraud page and I'll run a calculation on how much
[01:28:10.520 --> 01:28:17.640]  fraud we can claim against the lender. And then I'll create a qualified written request.
[01:28:18.360 --> 01:28:21.480]  You can get a lot of qualified written requests off the internet,
[01:28:21.480 --> 01:28:29.240]  but if there is a qualified written request on the internet, it's not a qualified written request.
[01:28:30.520 --> 01:28:41.080]  The reason being, in order for a qualified written request to qualify as that document,
[01:28:41.080 --> 01:28:51.880]  it must allege an accounting error and request that the lender correct the error. That's what
[01:28:51.880 --> 01:28:57.560]  invokes the statute and the duty under the statute. If you pull one off the internet,
[01:28:57.560 --> 01:29:07.080]  they can't have a legitimate claim of an accounting error. So we will build one that says,
[01:29:07.080 --> 01:29:13.240]  at closing, we're going to run out of time here in a second. At closing, you charged all these fees,
[01:29:13.240 --> 01:29:21.160]  but you failed to provide documentation to show that the fees were valid. So I think they were all
[01:29:21.160 --> 01:29:29.560]  garbage. You made them all up. So prove them up. You charged all these false fees and you increased
[01:29:29.560 --> 01:29:36.920]  my cost. Take them all off the note and readjust my note. That will give you the claim that makes it a
[01:29:36.920 --> 01:29:41.320]  qualified written request. And we'll have standing. Okay, hang on. We're about to go to break. This
[01:29:41.320 --> 01:29:49.560]  is Randy Kelton, David Stevens, Rule of Law Radio, our call in number 512-646-1984. Irma, Mike,
[01:29:49.560 --> 01:29:59.880]  I see you there. We will get you. We will be right back on the other side.
[01:30:49.960 --> 01:30:54.440]  Ticking could be heard all across Never Neverland. Well, a modern day twist on this
[01:30:54.440 --> 01:31:00.600]  fairy tale story recently happened at an aquarium in the Ukraine. Gina, a 14-year-old crocodile,
[01:31:00.600 --> 01:31:05.400]  now emits a Nokia ring tone from the depths of her stomach. She swallowed the smartphone when
[01:31:05.400 --> 01:31:10.760]  a visitor accidentally dropped it into her tank last month. Unfortunately, the ringing reptile
[01:31:10.760 --> 01:31:15.960]  isn't feeling too good after her high-tech snack. She's not eating and she's moving lethargically.
[01:31:15.960 --> 01:31:17.920]  I guess there's not an app for that.
[01:31:17.920 --> 01:31:20.680]  Gina's handlers plan a surgery to retrieve the phone,
[01:31:20.680 --> 01:31:23.400]  but I'm guessing its owner won't be wanting it back.
[01:31:23.400 --> 01:31:24.640]  I'm Dr. Katherine Albrecht.
[01:31:24.640 --> 01:31:27.640]  More news and information at KatherineAlbrecht.com.
[01:31:30.520 --> 01:31:32.440]  Here at Zombie Killer Ammo and Guns,
[01:31:32.440 --> 01:31:34.480]  we believe that the Second Amendment guarantees
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[01:33:02.600 --> 01:33:04.240]  Looking for some truth?
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[01:33:05.440 --> 01:33:10.440]  LogosradioNetwork.com.
[01:33:12.080 --> 01:33:13.080]  Okay, we are back.
[01:33:13.080 --> 01:33:16.080]  Randy Kelton, Deborah Stevens, Rule of Law Radio
[01:33:16.080 --> 01:33:19.080]  and we're talking to Iris in Florida.
[01:33:19.080 --> 01:33:22.080]  Okay, Iris, you were talking when we went out.
[01:33:22.080 --> 01:33:23.080]  I kind of ran out of time.
[01:33:23.080 --> 01:33:24.080]  I'm sorry, I'm sorry.
[01:33:24.080 --> 01:33:25.080]  I'm sorry.
[01:33:25.080 --> 01:33:26.080]  I'm sorry.
[01:33:26.080 --> 01:33:27.080]  I'm sorry.
[01:33:27.080 --> 01:33:28.080]  I'm sorry.
[01:33:28.080 --> 01:33:29.080]  I'm sorry.
[01:33:29.080 --> 01:33:30.080]  I'm sorry.
[01:33:30.080 --> 01:33:31.080]  I'm sorry.
[01:33:31.080 --> 01:33:32.080]  I'm sorry.
[01:33:32.080 --> 01:33:33.080]  I'm sorry.
[01:33:33.080 --> 01:33:34.080]  I'm sorry.
[01:33:34.080 --> 01:33:35.080]  I'm sorry.
[01:33:35.080 --> 01:33:36.080]  I'm sorry.
[01:33:36.080 --> 01:33:37.080]  You okay there?
[01:33:37.080 --> 01:33:38.080]  Fine.
[01:33:38.080 --> 01:33:39.080]  All the way?
[01:33:39.080 --> 01:33:40.080]  All the way?
[01:33:40.080 --> 01:33:41.080]  Yes.
[01:33:41.080 --> 01:33:42.840]  Well, you know, the thing is that
[01:33:42.840 --> 01:33:46.780]  I got a security station done
[01:33:46.780 --> 01:33:49.200]  and a forensic audit already.
[01:33:50.420 --> 01:33:54.920]  Okay, so it shows there were several frauds, you know
[01:33:57.160 --> 01:34:00.760]  my mortgage was secured by
[01:34:00.760 --> 01:34:02.640]  and it is an aramic trust.
[01:34:02.640 --> 01:34:12.760]  And right now, Chase is claiming ownership and also Fannie Mae.
[01:34:12.760 --> 01:34:18.760]  So I have letters from Fannie Mae and I have letters from Chase claiming ownership.
[01:34:18.760 --> 01:34:22.480]  You know, first Chase was the end, it was the servicer.
[01:34:22.480 --> 01:34:30.000]  Then they become the debt collector and after that they become the investors.
[01:34:30.000 --> 01:34:38.480]  So I have all these communications from Chase, you know, and Fannie Mae and I have sent them
[01:34:38.480 --> 01:34:47.200]  a debt validation and I also have sent some qualifying requests that I got from other
[01:34:47.200 --> 01:34:48.200]  websites.
[01:34:48.200 --> 01:35:00.760]  But at this point, what my confusion is, I don't really know how to go from here if
[01:35:00.760 --> 01:35:09.520]  I should go after them or to just wait and see what they're going to be doing.
[01:35:09.520 --> 01:35:18.800]  I know they're, you know, Chase is acting, you know, doing fraud because they already
[01:35:18.800 --> 01:35:26.720]  record the mortgagee that Mares transferred to Chase and which Mares was doing it on behalf
[01:35:26.720 --> 01:35:34.440]  of the original lender, which at the time that they just did it like in May this year,
[01:35:34.440 --> 01:35:43.880]  Mares did it on behalf of the original lender, but it was not on the hands of the original
[01:35:43.880 --> 01:35:49.120]  lender, you know, because it was on the hands of a trust, a credit trust.
[01:35:49.120 --> 01:35:52.960]  So, you know, I don't really know what to do.
[01:35:52.960 --> 01:36:02.520]  There are a lot of issues that we can bring and there is a lot of chatter on the internet
[01:36:02.520 --> 01:36:10.280]  about these securities trading and bifurcation issues.
[01:36:10.280 --> 01:36:20.120]  My concern with those is that they are very complex on the one hand and on the other,
[01:36:20.120 --> 01:36:30.480]  you're asking a judge to rule that the procedures that the banks are following are fraudulent
[01:36:30.480 --> 01:36:32.760]  or improper.
[01:36:32.760 --> 01:36:38.480]  You're asking the judge to render a ruling that will change the legal landscape as he
[01:36:38.480 --> 01:36:45.040]  knows it and judges really hate to do that.
[01:36:45.040 --> 01:36:55.640]  So, I'm not at all against bringing those issues, but only as throwaway issues and let
[01:36:55.640 --> 01:36:59.440]  me explain what I mean by that.
[01:36:59.440 --> 01:37:04.480]  If your child comes to you and asks you for something and you say no, and he asks you
[01:37:04.480 --> 01:37:10.720]  for something else and you say no, and he asks you for something else and you say no,
[01:37:10.720 --> 01:37:14.080]  each no gets harder.
[01:37:14.080 --> 01:37:16.280]  We don't like having to say no.
[01:37:16.280 --> 01:37:23.200]  A judge is the same way and he's kind of, if he's hammering you, trashing all of your
[01:37:23.200 --> 01:37:31.360]  issues, you know, sometimes they get kind of uncomfortable feeling like they are kind
[01:37:31.360 --> 01:37:34.440]  of overwhelming you with denials.
[01:37:34.440 --> 01:37:43.200]  So let's give the judge something to refuse to give us and then put some bones in there
[01:37:43.200 --> 01:37:46.840]  he can throw to us.
[01:37:46.840 --> 01:37:58.760]  You can go in and make claims on those, but they were designed as a smoke screen.
[01:37:58.760 --> 01:38:07.480]  The legislature purportedly put in these laws to protect the consumers, but they set a statute
[01:38:07.480 --> 01:38:14.280]  of limitations on the remedy so short as to render them worthless, they're merely smoke
[01:38:14.280 --> 01:38:15.280]  and mirrors.
[01:38:15.280 --> 01:38:19.720]  At least that's what they intended.
[01:38:19.720 --> 01:38:29.160]  Their problem is, is when you signed the note and the security instrument, in Florida it
[01:38:29.160 --> 01:38:31.720]  would be a mortgage.
[01:38:31.720 --> 01:38:41.320]  Both of them had a provision in there wherein you and the lender both agreed to abide by
[01:38:41.320 --> 01:38:45.120]  all standing law.
[01:38:45.120 --> 01:38:50.480]  So instead of us going to the court and say, these dirty rascals, they breached the Fair
[01:38:50.480 --> 01:38:54.680]  Debt Collections Practices Act, Read State Settlement Procedures Act and Truth and Meaning
[01:38:54.680 --> 01:38:55.680]  Act.
[01:38:55.680 --> 01:38:59.320]  And the judge is going to throw all that out.
[01:38:59.320 --> 01:39:04.640]  We're going to say these rascals breached the Fair Debt Collections Practices Act, which
[01:39:04.640 --> 01:39:17.800]  had the effect of breach of contract by violating Covenant 15 of the contract or Covenant 16.
[01:39:17.800 --> 01:39:21.440]  So we're claiming breach of contract.
[01:39:21.440 --> 01:39:29.040]  Now you're asking the judge to rule that the lender breached your contract by violating
[01:39:29.040 --> 01:39:31.440]  that law over there.
[01:39:31.440 --> 01:39:37.520]  You're not asking for the remedy that the legislature created for a violation of that
[01:39:37.520 --> 01:39:38.520]  law.
[01:39:38.520 --> 01:39:39.520]  You don't care about that.
[01:39:39.520 --> 01:39:43.840]  There you're out of statute of limitations is run anyway.
[01:39:43.840 --> 01:39:49.720]  You maintain that the contract is now valid because they breached the Covenant of the
[01:39:49.720 --> 01:39:53.000]  Deed of Trust or the mortgage.
[01:39:53.000 --> 01:39:58.160]  And that's something that's real easy for the judge to wrap his head around.
[01:39:58.160 --> 01:40:03.680]  And if he renders you a ruling, the ruling is very specific.
[01:40:03.680 --> 01:40:11.680]  It only goes to this particular case and the facts in this case and does not change the
[01:40:11.680 --> 01:40:15.080]  world as he knows it.
[01:40:15.080 --> 01:40:24.840]  We try to make all of the claims that we're able to in terms of breach of contract or
[01:40:24.840 --> 01:40:30.720]  specific causes of action like the one I read at the beginning of the show.
[01:40:30.720 --> 01:40:38.160]  That was a specific cause of action for fraud by non-disclosure.
[01:40:38.160 --> 01:40:45.040]  And if you're not familiar with the legal structure, if someone's going to be prosecuted
[01:40:45.040 --> 01:40:57.120]  criminally, the prosecutor must charge him with a violation of a defined criminal statute.
[01:40:57.120 --> 01:41:02.800]  When you make a claim in a civil action, you can't just say the dirty rotten scoundrel,
[01:41:02.800 --> 01:41:05.900]  he did this, he did that, he did the other.
[01:41:05.900 --> 01:41:15.000]  You have to go into the court and say, this dirty rotten scoundrel either created a tort
[01:41:15.000 --> 01:41:17.040]  against me.
[01:41:17.040 --> 01:41:20.960]  Like if you're walking down the street and he throws an apple out the window and it hits
[01:41:20.960 --> 01:41:25.240]  you upside the head, knocks you down, you break your arm, that's a tort.
[01:41:25.240 --> 01:41:27.520]  He's harmed you.
[01:41:27.520 --> 01:41:32.920]  Or you have to claim a breach of contract.
[01:41:32.920 --> 01:41:37.360]  You entered into a contract and he breached the contract.
[01:41:37.360 --> 01:41:43.440]  Or you must claim a defined cause of action.
[01:41:43.440 --> 01:41:49.040]  And the causes of actions you can claim have all been defined in law.
[01:41:49.040 --> 01:41:56.520]  So you have to make the claim under a legal principle.
[01:41:56.520 --> 01:41:59.840]  And fraud by non-disclosure, that's the legal principle.
[01:41:59.840 --> 01:42:08.040]  But mostly we want to go to contract because we can rip that contract to pieces.
[01:42:08.040 --> 01:42:16.120]  All of the claims that you would make under bifurcation and securitization, you can make
[01:42:16.120 --> 01:42:20.600]  all of those in terms of breach of contract.
[01:42:20.600 --> 01:42:27.100]  If they bifurcated the note, you know, you can argue that you've been harmed by that
[01:42:27.100 --> 01:42:30.320]  bifurcation maybe.
[01:42:30.320 --> 01:42:36.700]  But you don't have to do that because Covenant 20 of the mortgage authorizes the lender to
[01:42:36.700 --> 01:42:39.800]  sell a portion of the note or the entire note.
[01:42:39.800 --> 01:42:49.120]  Then there's a set of brackets together with this security instrument.
[01:42:49.120 --> 01:42:50.120]  That's real clear.
[01:42:50.120 --> 01:42:54.280]  They can't sell a portion of the note, the beneficial interest of the note to somebody
[01:42:54.280 --> 01:43:00.040]  else and not transfer the security instrument with it.
[01:43:00.040 --> 01:43:05.600]  And the problem is, security instrument has no intrinsic value, so you can't sell a portion
[01:43:05.600 --> 01:43:07.880]  of it.
[01:43:07.880 --> 01:43:13.040]  So by that Covenant, they cannot sell a portion of the note.
[01:43:13.040 --> 01:43:17.760]  They have to sell the entire note and they never do.
[01:43:17.760 --> 01:43:22.280]  So we can, if there's an issue of bifurcation, we can make it under breach of contract under
[01:43:22.280 --> 01:43:24.320]  that Covenant.
[01:43:24.320 --> 01:43:28.280]  Hang on, we'll come back on the other side and I'll give you a number to that Wednesday
[01:43:28.280 --> 01:43:36.200]  night college show that we do that's just totally mortgage issues and we address these
[01:43:36.200 --> 01:43:37.200]  in more detail.
[01:43:37.200 --> 01:43:42.840]  There's way too many of them, way too complex for you to be able to assimilate them all
[01:43:42.840 --> 01:43:44.520]  in one sitting.
[01:43:44.520 --> 01:43:47.840]  It takes hearing it a few times for it to sink in.
[01:43:47.840 --> 01:43:49.120]  Hang on, we're going to break.
[01:43:49.120 --> 01:43:56.360]  Randy Kelton, David Stevens, Wheel of Law Radio, our call-in number, 512-646-1984, we'll
[01:43:56.360 --> 01:44:00.280]  be right back.
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[01:45:59.960 --> 01:46:25.080]  Okay, we are back, we're into Kelton Davis Stevens, Rule of Law Radio, and we're talking
[01:46:25.080 --> 01:46:28.320]  to Iris in Florida.
[01:46:28.320 --> 01:46:35.760]  And Iris, I know I've kind of moved along quickly, but there is so much information
[01:46:35.760 --> 01:46:44.600]  here and I've kind of tried to run over the top of some of it to give you a general idea
[01:46:44.600 --> 01:46:54.840]  of the things you can do and the best thing to take away from this is there are a lot
[01:46:54.840 --> 01:46:58.680]  of things you can do.
[01:46:58.680 --> 01:47:07.880]  The banks in the last 15 years or so have really screwed things up incredibly badly
[01:47:07.880 --> 01:47:11.920]  and now this is coming to roost on them.
[01:47:11.920 --> 01:47:21.920]  And frankly, you don't need to win your case right now, all we need to do is stop them.
[01:47:21.920 --> 01:47:26.680]  Things we have been talking about for years in the Patriot community are in the process
[01:47:26.680 --> 01:47:28.800]  of coming to pass.
[01:47:28.800 --> 01:47:37.520]  I know a lot of people in the Patriot community talk about a great crash coming and they tend
[01:47:37.520 --> 01:47:46.840]  to think of an economic crash in terms of the one that occurred in 1929 where on Sunday
[01:47:46.840 --> 01:47:53.200]  everything was fine and Tuesday the world had completely collapsed.
[01:47:53.200 --> 01:47:57.360]  It's not happening that way this time.
[01:47:57.360 --> 01:48:04.640]  This time we are in a steady decline and the decline is going to steadily increase its
[01:48:04.640 --> 01:48:07.200]  pace.
[01:48:07.200 --> 01:48:13.920]  The dollar is going in the toilet and we've been talking about this for quite a while.
[01:48:13.920 --> 01:48:18.040]  It's not going to go in the toilet tomorrow or the next day.
[01:48:18.040 --> 01:48:23.480]  It's in the process of sinking down into the toilet as we speak.
[01:48:23.480 --> 01:48:32.280]  China is a primary influence in trying to engineer a different world currency.
[01:48:32.280 --> 01:48:35.480]  The dollar right now is the world standard.
[01:48:35.480 --> 01:48:43.840]  In order to trade internationally, you have to do it in dollars and the United States
[01:48:43.840 --> 01:48:52.560]  has been so incredibly careless in how they handle their monetary system that it's become
[01:48:52.560 --> 01:49:04.840]  untenable and China is trying to engineer a new type of a monetary system where we won't
[01:49:04.840 --> 01:49:10.800]  go into the details of what they're trying to do but the upshot is that the dollar will
[01:49:10.800 --> 01:49:19.040]  no longer be the world currency and when that happens the dollar will inflate horribly.
[01:49:19.040 --> 01:49:23.480]  This crash in 2008 is not finished with us.
[01:49:23.480 --> 01:49:28.760]  It is going to come back to haunt us big time.
[01:49:28.760 --> 01:49:34.200]  So in an economic crash everybody doesn't hurt.
[01:49:34.200 --> 01:49:36.120]  Some people do well.
[01:49:36.120 --> 01:49:46.120]  If you have a relatively large mortgage and we go into a period of runaway inflation or
[01:49:46.120 --> 01:49:55.760]  if not runaway, a serious big time inflation, which we're in already, in the last year or
[01:49:55.760 --> 01:49:59.480]  so the dollar has decreased in value around 10%.
[01:49:59.480 --> 01:50:04.000]  If you don't believe it, just pay attention to gas.
[01:50:04.000 --> 01:50:09.480]  Gas will tell you, fuel is a barometer.
[01:50:09.480 --> 01:50:13.960]  The more money it costs to buy fuel, the less our dollar is worth.
[01:50:13.960 --> 01:50:22.040]  If you can hold the banks off for a year or two, let that dollar bottom out, the dollar
[01:50:22.040 --> 01:50:29.120]  is going to become of very little value so you get a whole lot more of them.
[01:50:29.120 --> 01:50:38.080]  In Germany after the war, it took a wheelbarrow full of money to buy a loaf of bread.
[01:50:38.080 --> 01:50:45.800]  It won't take a wheelbarrow full of money to pay off your mortgage with inflated dollars.
[01:50:45.800 --> 01:50:52.720]  The problem the bank has is when the dollar gets less, worth less, your mortgage doesn't
[01:50:52.720 --> 01:50:56.560]  adjust to keep pace with the dollar.
[01:50:56.560 --> 01:51:03.160]  Your mortgage is a dollar denominated asset.
[01:51:03.160 --> 01:51:10.480]  In this case, the banks are the ones that will take the beating.
[01:51:10.480 --> 01:51:14.720]  The most important thing we can do right now is stop them.
[01:51:14.720 --> 01:51:23.160]  You don't have to beat them in court to beat them, but you may well be able to beat them
[01:51:23.160 --> 01:51:24.160]  in court.
[01:51:24.160 --> 01:51:27.760]  We're in a changing direction somewhat.
[01:51:27.760 --> 01:51:32.760]  We're making very serious criminal noises at these guys.
[01:51:32.760 --> 01:51:40.000]  The federal government sued the tobacco companies three times and lost because the tobacco companies
[01:51:40.000 --> 01:51:45.200]  had unlimited funds to fight them with.
[01:51:45.200 --> 01:51:52.160]  The last time they sued the tobacco companies, they sued under RICO and the executive said,
[01:51:52.160 --> 01:51:54.920]  oh, hold on here.
[01:51:54.920 --> 01:51:57.640]  Under RICO, we could go to prison.
[01:51:57.640 --> 01:52:00.640]  That's when they came to the table and made a deal.
[01:52:00.640 --> 01:52:06.240]  We're shifting gears, going more toward criminal.
[01:52:06.240 --> 01:52:11.920]  The public opinion, the politics is moving against the banks.
[01:52:11.920 --> 01:52:17.960]  The best thing you can do now is stop them in their tracks and hold them off and let
[01:52:17.960 --> 01:52:27.600]  the situation deteriorate around them as this economic crisis that we are in intensifies.
[01:52:27.600 --> 01:52:32.000]  The bank's going to take the blame for it as they should because they created it.
[01:52:32.000 --> 01:52:38.560]  It should give you opportunity to bring them to the table and make a deal to keep you from
[01:52:38.560 --> 01:52:39.560]  hammering them.
[01:52:39.560 --> 01:52:42.560]  Does that make sense, Iris?
[01:52:42.560 --> 01:52:44.560]  Yes, yes.
[01:52:44.560 --> 01:52:45.560]  Absolutely.
[01:52:45.560 --> 01:52:53.440]  And if they haven't foreclosed already, stopping them from foreclosing should not be very difficult.
[01:52:53.440 --> 01:53:00.880]  But first thing we need to do is, like I told Troy earlier, is we need to get letters to
[01:53:00.880 --> 01:53:07.720]  all of the notaries and all of the signatories on any documents in your record.
[01:53:07.720 --> 01:53:10.680]  We get those in the mail and get that working.
[01:53:10.680 --> 01:53:12.800]  That gives you claims to make.
[01:53:12.800 --> 01:53:19.560]  And then we look at the documents that have been filed in the court record, and one of
[01:53:19.560 --> 01:53:25.480]  the primary things we want to do is file a notice of default against the bank, accusing
[01:53:25.480 --> 01:53:29.760]  them of defaulting on the deed of trust.
[01:53:29.760 --> 01:53:40.080]  When the bank forecloses, they accuse you of defaulting on the note, and they thereby
[01:53:40.080 --> 01:53:45.360]  invoke the privilege you granted them in the mortgage.
[01:53:45.360 --> 01:53:52.760]  Well, you're going to file a document in the record that maintains that the mortgage is
[01:53:52.760 --> 01:54:00.080]  void because the bank defaulted on the covenants of the mortgage.
[01:54:00.080 --> 01:54:09.920]  So now they're running into a situation to where there is a document in the record that
[01:54:09.920 --> 01:54:15.080]  would render the mortgage void.
[01:54:15.080 --> 01:54:22.320]  It was filed by the uncontested holder of the warranty deed on the property.
[01:54:22.320 --> 01:54:28.600]  By that uncontested warranty deed, you have an absolute right to file, and the document
[01:54:28.600 --> 01:54:37.760]  once filed is presumed to be valid until it's properly challenged in the district court.
[01:54:37.760 --> 01:54:46.360]  So they have a valid notice of default rendering the mortgage void in the record.
[01:54:46.360 --> 01:54:53.360]  That's a bump they have to get over, and in order to get over that bump, they're going
[01:54:53.360 --> 01:54:58.480]  to have to come to the court and file a civil action.
[01:54:58.480 --> 01:55:04.680]  And when they do, you're going to say, who in the heck are you?
[01:55:04.680 --> 01:55:09.400]  You're going to come back with a challenge to subject matter jurisdiction.
[01:55:09.400 --> 01:55:12.200]  We don't know who these people are.
[01:55:12.200 --> 01:55:17.760]  These people have no power to invoke the subject matter jurisdiction of the court.
[01:55:17.760 --> 01:55:24.120]  The only way they can prove up power to invoke the subject matter jurisdiction of the court
[01:55:24.120 --> 01:55:32.280]  is by bringing a complete uninterrupted chain of holdership of the note and the deed of
[01:55:32.280 --> 01:55:36.760]  trust, and that's the one thing they can't do.
[01:55:36.760 --> 01:55:39.640]  So you're laying a trap for them.
[01:55:39.640 --> 01:55:40.640]  Okay.
[01:55:40.640 --> 01:55:43.880]  Does that sound like fun?
[01:55:43.880 --> 01:55:44.880]  Yes, absolutely.
[01:55:44.880 --> 01:55:52.200]  It's a whole lot more fun when you're going for their throats.
[01:55:52.200 --> 01:56:03.360]  But now, I mean, you're practically saying to set them up, you know, and do this procedure.
[01:56:03.360 --> 01:56:09.320]  I mean, I have done some kind of procedure, but it's totally different, just, you know,
[01:56:09.320 --> 01:56:16.040]  requesting information from them, in which they have not provided any of the information
[01:56:16.040 --> 01:56:17.520]  that I have requested.
[01:56:17.520 --> 01:56:18.520]  Okay.
[01:56:18.520 --> 01:56:19.520]  Wait a minute.
[01:56:19.520 --> 01:56:20.520]  That...
[01:56:20.520 --> 01:56:21.520]  Okay.
[01:56:21.520 --> 01:56:29.160]  I have a concern about these documents that propose to be qualified written requests.
[01:56:29.160 --> 01:56:32.240]  You cannot...
[01:56:32.240 --> 01:56:40.360]  The bank has no duty to respond to an information request, and that, for the most part, is all
[01:56:40.360 --> 01:56:43.680]  those things are.
[01:56:43.680 --> 01:56:50.040]  They have no duty to respond because it has not invoked statute, and that's okay, because
[01:56:50.040 --> 01:56:51.720]  we can come back and redo it.
[01:56:51.720 --> 01:56:59.760]  You need to file a debt validation letter that includes a request that the lender make
[01:56:59.760 --> 01:57:06.040]  the tangible note available for inspection.
[01:57:06.040 --> 01:57:15.240]  The courts almost universally refuse to enforce the Consumer Protection Laws, FDCPA, which
[01:57:15.240 --> 01:57:22.240]  authorizes the debt validation letter, but the Uniform Commercial Code is a whole different
[01:57:22.240 --> 01:57:26.080]  animal, and that goes to contract law.
[01:57:26.080 --> 01:57:32.480]  If you include in the debt validation letter a demand that they produce the tangible note,
[01:57:32.480 --> 01:57:39.320]  that goes to the Uniform Commercial Code, a law they agreed to abide by, and according
[01:57:39.320 --> 01:57:47.880]  to the Uniform Commercial Code, if they fail to produce the original note for your inspection,
[01:57:47.880 --> 01:57:54.560]  then you may see-solve payment without dishonor.
[01:57:54.560 --> 01:58:00.520]  We include that in the debt validation letter kind of as a sneak attack on them.
[01:58:00.520 --> 01:58:01.520]  Okay.
[01:58:01.520 --> 01:58:03.400]  We have a couple more callers.
[01:58:03.400 --> 01:58:07.720]  We'll finish up when we come back on the other side of the break.
[01:58:07.720 --> 01:58:09.440]  There is a lot we can talk about.
[01:58:09.440 --> 01:58:17.120]  I could spend probably eight to 16 hours on this subject.
[01:58:17.120 --> 01:58:22.600]  When you get off the call, you might send me an email.
[01:58:22.600 --> 01:58:32.640]  Send it to randy at ruleoflawradio.com, and I will send you some information on how to
[01:58:32.640 --> 01:58:38.200]  access our Wednesday night show, which is strictly foreclosure issues.
[01:58:38.200 --> 01:58:39.560]  There we don't have a time limit.
[01:58:39.560 --> 01:58:42.680]  We generally keep going until I pass out.
[01:58:42.680 --> 01:58:43.680]  Okay.
[01:58:43.680 --> 01:58:44.680]  Hang on.
[01:58:44.680 --> 01:58:45.680]  We're about to go to break.
[01:58:45.680 --> 01:58:50.320]  We'll be right back.
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