[00:00.000 --> 00:07.000]  This is the Liberty Beat, your daily source for Liberty news and activist updates.
[00:07.000 --> 00:09.000]  Online at thelibertybeat.com.
[00:09.000 --> 00:14.000]  I'm Brian Hagan with your Liberty Beat for Friday, November 8th, 2013.
[00:14.000 --> 00:17.000]  Gold opens today at $1,295.
[00:17.000 --> 00:20.000]  Silver opens at $21.48.
[00:20.000 --> 00:23.000]  And Bitcoin is trading at $291.
[00:23.000 --> 00:26.000]  Support for the Liberty Beat comes from Brave New Books,
[00:26.000 --> 00:31.000]  your local source for One World Wang, Tangy Tangerine 2.0, and Clearly Filtered.
[00:31.000 --> 00:36.000]  In Austin, at 1904 Guadalupe Street, and online at bravenewbookstore.com.
[00:36.000 --> 00:39.000]  Support also comes from Austin Animal Clinic,
[00:39.000 --> 00:42.000]  celebrating their 59th year of quality, compassionate pet care.
[00:42.000 --> 00:45.000]  In Austin, at 4330 North Lamar Boulevard,
[00:45.000 --> 00:52.000]  by phone at 512-453-6686, and online at AustinAnimalClinicInc.com.
[00:52.000 --> 00:56.000]  And now the news, more than $10 million each year.
[00:56.000 --> 01:02.000]  That's how much the CIA is paying AT&T for access to the company's phone records.
[01:02.000 --> 01:05.000]  A report published by the Washington Times Thursday
[01:05.000 --> 01:08.000]  says that while most of the calls are made overseas,
[01:08.000 --> 01:12.000]  some made to and from the United States are included with the collected data.
[01:12.000 --> 01:16.000]  The Times states that the company participation in the plot is volunteering.
[01:16.000 --> 01:19.000]  An Arkansas police officer is at the center of a lawsuit
[01:19.000 --> 01:23.000]  filed by a woman who claims she was tasered for refusing to show her breasts.
[01:23.000 --> 01:27.000]  The New York Daily News says Ashley Bennett claims that Officer Brandon Carter
[01:27.000 --> 01:31.000]  came to her workplace in uniform on December 11, 2011.
[01:31.000 --> 01:35.000]  It was then that he allegedly ordered her to let him look at her breasts.
[01:35.000 --> 01:38.000]  Bennett declined and claims she was chased around the building by Carter,
[01:38.000 --> 01:42.000]  who, when catching her, tased Bennett numerous times.
[01:42.000 --> 01:46.000]  She says it was not his first lute advance towards her.
[01:46.000 --> 01:50.000]  She's now suing Carter in the city of Haskell, Arkansas, in federal court.
[01:51.000 --> 01:55.000]  A new live videocast that will focus on solutions
[01:55.000 --> 02:00.000]  is set to launch on Thursday, November 14, 8 p.m. Central.
[02:00.000 --> 02:03.000]  The Conscious Resistance Live will be hosted by
[02:03.000 --> 02:06.000]  Houston-based community activist Derek Brose
[02:06.000 --> 02:10.000]  and place a strong emphasis on community members working on positive action.
[02:10.000 --> 02:15.000]  The program will run regularly on Sunday nights covering topical news stories
[02:15.000 --> 02:18.000]  as well as segments focusing on gardening, music, meditation,
[02:18.000 --> 02:21.000]  and ideas for creating change in your community.
[02:21.000 --> 02:25.000]  The debut episode will feature recently released activist Adam Kokash.
[02:25.000 --> 02:29.000]  The program can be found at theconsciencesresistance.com.
[02:29.000 --> 02:32.000]  Support for the Liberty Beat comes from Cabo Bob's.
[02:32.000 --> 02:35.000]  Check out their new location at 29th and Rio Grande
[02:35.000 --> 02:37.000]  between Guadalupe and Lamar.
[02:37.000 --> 02:43.000]  Call them at 512-432-1111 or online at cabobobs.com.
[02:43.000 --> 02:47.000]  Support also comes from Central Texas Gun Works, CHL courses,
[02:47.000 --> 02:50.000]  self-defense training, and firearm sales.
[02:50.000 --> 02:53.000]  Online, centraltexasgunworks.com.
[02:53.000 --> 02:57.000]  This is the Liberty Beat for Friday, November 8, 2013.
[02:57.000 --> 03:07.000]  Check out the website at thelibertybeat.com.
[03:27.000 --> 03:34.000]  We are originators
[03:34.000 --> 03:39.000]  and the pathway seems to get straighter every day
[03:39.000 --> 03:43.000]  and I could take anything that belonged to me
[03:43.000 --> 03:46.000]  and put it to good use
[03:46.000 --> 03:49.000]  but I was good for the gander
[03:49.000 --> 03:53.000]  gonna work for the goose
[03:53.000 --> 03:57.000]  I know some architects
[03:57.000 --> 04:01.000]  I know some engineers
[04:01.000 --> 04:04.000]  They see me every day
[04:04.000 --> 04:08.000]  They know something seems queer
[04:08.000 --> 04:11.000]  What's up with the blatant deception
[04:11.000 --> 04:15.000]  What is the nature of what you might gain
[04:15.000 --> 04:17.000]  Welcome back to Rural Law Radio, folks.
[04:17.000 --> 04:20.000]  We'd like to thank everybody for tuning in tonight.
[04:20.000 --> 04:23.000]  Randy Kelton has taken the night off to have a bunch of teeth pulled
[04:23.000 --> 04:26.000]  or at least that's his excuse and I'm sure he's gonna stick to it
[04:26.000 --> 04:29.000]  so this is your co-host or actually guest host
[04:29.000 --> 04:33.000]  Steve Skidmore, I can't even get my name out right
[04:33.000 --> 04:38.000]  and Joe Esquivel and we were talking with Troy in Colorado
[04:38.000 --> 04:43.000]  and Troy, pick up where you left off
[04:43.000 --> 04:46.000]  because we've been talking over the break and I had a lapse in memory.
[04:46.000 --> 04:48.000]  I do apologize.
[04:48.000 --> 04:51.000]  That's quite okay.
[04:51.000 --> 04:54.000]  Just getting back to what I was talking about with the PNC
[04:54.000 --> 05:02.000]  what they did to me was they eventually ended up relieving those funds to me
[05:02.000 --> 05:07.000]  but they had started foreclosure proceedings
[05:07.000 --> 05:14.000]  and it was very coincidental that by the time that they released that money
[05:14.000 --> 05:19.000]  it was just about enough for me to pay for the attorney fees that they put on me
[05:19.000 --> 05:24.000]  and once they started foreclosure proceedings
[05:24.000 --> 05:29.000]  I saved my money through the months because I knew I was gonna have to pay this anyway.
[05:29.000 --> 05:35.000]  Just a real simple job thing.
[05:35.000 --> 05:39.000]  Right, okay, so let me see if I can fast-forward this.
[05:39.000 --> 05:42.000]  Just to summarize, you're good on the payments now
[05:42.000 --> 05:48.000]  but you did go into a delinquency but you cured the delinquency, correct?
[05:48.000 --> 05:49.000]  Correct.
[05:49.000 --> 05:51.000]  Right so far, okay.
[05:51.000 --> 06:00.000]  The property received damages and PNC drugged their feet on coming clean with the bill
[06:00.000 --> 06:10.000]  and meanwhile they put you into foreclosure but the default has been cured.
[06:10.000 --> 06:11.000]  Correct.
[06:11.000 --> 06:18.000]  So my question to you is if you can only sue as a damaged or injured party
[06:18.000 --> 06:21.000]  where is your damage, where is your injury?
[06:21.000 --> 06:23.000]  I'm just playing devil's advocate right here.
[06:23.000 --> 06:25.000]  I mean we've got some stuff up our sleeve here.
[06:25.000 --> 06:28.000]  I'm just feeling out the territory here.
[06:28.000 --> 06:32.000]  How have you been damaged? How have you been injured?
[06:32.000 --> 06:36.000]  What grounds right now would you have to sue?
[06:36.000 --> 06:38.000]  Or is that your question?
[06:38.000 --> 06:45.000]  Number one would be with me is them dragging their feet and refusing to release the money.
[06:45.000 --> 06:50.000]  Okay, since they have released it to you, to your knowledge,
[06:50.000 --> 06:52.000]  you don't have a dog in that hunt anymore.
[06:52.000 --> 06:56.000]  You need to change dogs.
[06:56.000 --> 06:57.000]  Okay.
[06:57.000 --> 07:02.000]  Now, you say you got PNC, who did you start off with?
[07:02.000 --> 07:04.000]  National City.
[07:04.000 --> 07:06.000]  National City what?
[07:06.000 --> 07:09.000]  National City Mortgage.
[07:09.000 --> 07:11.000]  Okay.
[07:11.000 --> 07:18.000]  I've been fighting these guys since actually we started doing business with
[07:18.000 --> 07:22.000]  National City Mortgage Company in 2003.
[07:22.000 --> 07:28.000]  National City Mortgage Company changed its name to National City Mortgage Incorporated
[07:28.000 --> 07:34.000]  and then merged with National City Real Estate Services, LLC, successor to
[07:34.000 --> 07:39.000]  National City Mortgage Incorporated, formerly known as National City Mortgage Company,
[07:39.000 --> 07:44.000]  and then they were absorbed with the use of TARP funds.
[07:44.000 --> 07:46.000]  TARP funds, folks.
[07:46.000 --> 07:54.000]  PNC bought National City Real Estate Services, LLC, and all that other garbage with TARP funds.
[07:54.000 --> 07:57.000]  That raised a big stink, but they wiggled out of that.
[07:57.000 --> 08:01.000]  So let me restate my question.
[08:01.000 --> 08:08.000]  Exactly with specificity and particularity were you doing business with at the time?
[08:08.000 --> 08:10.000]  At the time of the origination?
[08:10.000 --> 08:11.000]  Who was the originator?
[08:11.000 --> 08:15.000]  Company, Inc., or Real Estate Services?
[08:15.000 --> 08:19.000]  When I originally purchased the home, it was through Chase Mortgage.
[08:19.000 --> 08:20.000]  Okay.
[08:20.000 --> 08:25.000]  And then I refinanced and that went to National City Mortgage.
[08:25.000 --> 08:26.000]  Okay, gotcha.
[08:26.000 --> 08:32.000]  So National City Mortgage Company, Inc., or Real Estate Services?
[08:32.000 --> 08:36.000]  Well, this was 2010 and it was right in the middle of when...
[08:36.000 --> 08:41.000]  Okay, then you're probably talking about Real Estate Services.
[08:41.000 --> 08:43.000]  Okay.
[08:43.000 --> 08:45.000]  So go back.
[08:45.000 --> 08:49.000]  I have a lot of questions about this because I'm very confused about all of this information.
[08:49.000 --> 08:51.000]  It's a lot to absorb.
[08:51.000 --> 08:53.000]  Oh, yeah, sure it is.
[08:53.000 --> 08:54.000]  Sure it is.
[08:54.000 --> 09:00.000]  Dude, I was fixing cars for 30 years when I got foreclosed on.
[09:00.000 --> 09:08.000]  So yeah, here's a former body man teaching people about mortgage foreclosure prevention.
[09:08.000 --> 09:09.000]  It can be done.
[09:09.000 --> 09:10.000]  It's not easy.
[09:10.000 --> 09:12.000]  It's not fun.
[09:12.000 --> 09:17.000]  But it gets easier and there are fun parts.
[09:17.000 --> 09:24.000]  You've expressed that you're kind of nervous about going in with issues as a pro se.
[09:24.000 --> 09:26.000]  Okay, fine.
[09:26.000 --> 09:31.000]  If you're going to use a lawyer, how are you going to use your lawyer?
[09:31.000 --> 09:39.000]  Let me preface this scenario with another scenario.
[09:39.000 --> 09:48.000]  Let's say Mrs. Smith is getting bullied around by a mortgage servicer.
[09:48.000 --> 09:53.000]  So the mortgage servicer doesn't want to take her payments and she's a little bit behind.
[09:53.000 --> 09:56.000]  They'd rather have the house than her money.
[09:56.000 --> 10:00.000]  So what she's going to do is she's going to grab her purse and her car keys
[10:00.000 --> 10:05.000]  and she's going to go to the nearest lawyer downtown that offers her a free half hour of his time.
[10:05.000 --> 10:09.000]  And at that time she's walking into that lawyer's office with a sob story,
[10:09.000 --> 10:14.000]  tearing her eye, her car keys and her purse.
[10:14.000 --> 10:20.000]  The first thing that's going to hit that attorney's mind is, oh boy, another deadbeat.
[10:20.000 --> 10:24.000]  Now let's change the situation just a little bit.
[10:24.000 --> 10:28.000]  Let's say you hired a private investigator, a licensed private investigator,
[10:28.000 --> 10:30.000]  to look into your mortgage issues.
[10:30.000 --> 10:33.000]  That licensed private investigator looked into your mortgage issues
[10:33.000 --> 10:38.000]  and found a lot of stuff that just ain't right.
[10:38.000 --> 10:47.000]  And he puts all this down in a verified sworn affidavit and sends that to you or sends that to Mrs. Smith.
[10:47.000 --> 10:52.000]  Now Mrs. Smith can go into that same attorney's office with a tear in her eye, a sob story.
[10:52.000 --> 10:56.000]  Well, she doesn't even need the sob story at this part because the sob story has been reduced to writing
[10:56.000 --> 10:58.000]  and a sworn affidavit.
[10:58.000 --> 11:00.000]  But she's got her purse and her car keys.
[11:00.000 --> 11:02.000]  She sets everything down on the table.
[11:02.000 --> 11:08.000]  She pushes that affidavit in front of that attorney and keeps her mouth shut.
[11:08.000 --> 11:12.000]  The attorney starts going through the pages.
[11:12.000 --> 11:14.000]  Oh, you don't say? They didn't.
[11:14.000 --> 11:17.000]  Oh my God, I have an injured party in front of me.
[11:17.000 --> 11:21.000]  You need representation. Sir, you came to the right guy.
[11:21.000 --> 11:26.000]  You brought me just what I need to fight your case.
[11:26.000 --> 11:28.000]  Does that make sense?
[11:28.000 --> 11:38.000]  Absolutely, and what I was trying to finish up here with was that mostly there was a financial harm
[11:38.000 --> 11:47.000]  that was created from this and also the embarrassment and the damage for me from my neighbors
[11:47.000 --> 11:50.000]  thinking that I was a deadbeat for my entire family.
[11:50.000 --> 11:54.000]  Yeah, and you're talking about punitive damages, okay?
[11:54.000 --> 12:00.000]  You've got to prove actual damages before you can go to punitive damages.
[12:00.000 --> 12:03.000]  Okay.
[12:03.000 --> 12:07.000]  That one's going to be a tough one to cook up.
[12:07.000 --> 12:12.000]  Yeah, you've got to fight on your hands.
[12:12.000 --> 12:14.000]  You do, Troy.
[12:14.000 --> 12:17.000]  I mean, you better just like...
[12:17.000 --> 12:24.000]  One, I would probably take it to federal, and if you're going to do it yourself,
[12:24.000 --> 12:29.000]  be prepared for seven days a week, 18 hours a day. Am I correct, Steve?
[12:29.000 --> 12:31.000]  Absolutely.
[12:31.000 --> 12:34.000]  And know that if you hire an attorney...
[12:34.000 --> 12:38.000]  Figure out all the language that goes on in the court is going to take me longer than that.
[12:38.000 --> 12:39.000]  Well, no.
[12:39.000 --> 12:40.000]  Not necessarily.
[12:40.000 --> 12:46.000]  No, as Steve had mentioned earlier today, if you were to go to the rule of law radio website,
[12:46.000 --> 12:49.000]  there is a product out called Jurisdictionary.
[12:49.000 --> 12:51.000]  Absolutely, indispensable tool.
[12:51.000 --> 12:52.000]  And I swear by it.
[12:52.000 --> 12:53.000]  Yes, absolutely.
[12:53.000 --> 12:56.000]  It's a total of four CDs, Troy.
[12:56.000 --> 13:04.000]  Now, if you have any learned ability at all as to follow directions,
[13:04.000 --> 13:08.000]  it will not take you long to apply this.
[13:08.000 --> 13:12.000]  Dr. Graves does a masterful job of explaining to the common Joe...
[13:12.000 --> 13:13.000]  Correct.
[13:13.000 --> 13:14.000] ...how things work in court.
[13:14.000 --> 13:20.000]  The first two CDs, CD1 and CD2, here's what I would recommend.
[13:20.000 --> 13:22.000]  They're audio CDs.
[13:22.000 --> 13:28.000]  So I'd recommend you get either a glass of wine or a cup of coffee, a cup of tea, and listen to it.
[13:28.000 --> 13:31.000]  Listen to it in its entirety.
[13:31.000 --> 13:34.000]  Do not do anything, just listen.
[13:34.000 --> 13:40.000]  Once you're done listening, get out your yellow legal pad and listen to it again.
[13:40.000 --> 13:43.000]  And this time, take notes.
[13:43.000 --> 13:47.000]  Coupius notes.
[13:47.000 --> 13:53.000]  And when you are done with this first audio, then I would take audio number two and do the same thing.
[13:53.000 --> 13:56.000]  Sit down, listen to it, nonstop.
[13:56.000 --> 14:03.000]  When it's done, put it back in, listen to it, stop it, pause it, and take notes again.
[14:03.000 --> 14:10.000]  Now, CD number three, you're going to put in your computer and you're going to download it.
[14:10.000 --> 14:20.000]  And it contains a flash player in there, which will go over everything that the first two CDs have talked about,
[14:20.000 --> 14:28.000]  audio, except now you'll be able to see this on your computer screen in a format that you can understand.
[14:28.000 --> 14:30.000]  It's a visual representation.
[14:30.000 --> 14:37.000]  It's visual representation, and you are able to follow what was being said.
[14:37.000 --> 14:40.000]  And again, I stress do not try to shortcut.
[14:40.000 --> 14:47.000]  Take the time because you need to understand audio, what has taken place, and then visually.
[14:47.000 --> 14:53.000]  And then CD number four contains all of the forms and templates that you will need.
[14:53.000 --> 15:01.000]  And while these are generic, the explanations that go with it are so detailed.
[15:01.000 --> 15:09.000]  It will have your pleadings look just as professional or more professional than the attorneys.
[15:09.000 --> 15:11.000]  I agree.
[15:11.000 --> 15:15.000]  So I cannot stress enough to take a look at your jurisdiction there.
[15:15.000 --> 15:18.000]  It's only a couple hundred dollars.
[15:18.000 --> 15:29.000]  The two things that I forgot to mention here is that I have gone to court pro se against HSBC, and I did win that case on my own.
[15:29.000 --> 15:34.000]  But that was a civil case, and the rules and the laws are completely different.
[15:34.000 --> 15:41.000]  It took me quite a while just to learn the rules of the law, of the court proceedings actually, first just civil case.
[15:41.000 --> 15:47.000]  And it seems like a federal case seems to be pretty intimidating to me, but I'm sure that...
[15:47.000 --> 15:49.000]  Federal is a paper war, Larry.
[15:49.000 --> 15:50.000]  Yep.
[15:50.000 --> 15:51.000]  All right.
[15:51.000 --> 16:01.000]  So the cause of action might be upon the past cured alleged foreclosure.
[16:01.000 --> 16:07.000]  So how far did they get in their threats to foreclose?
[16:07.000 --> 16:09.000]  They had a sale date.
[16:09.000 --> 16:12.000]  I staled it off by one month.
[16:12.000 --> 16:17.000]  Okay.
[16:17.000 --> 16:22.000]  Could you repeat what you said before, Joe?
[16:22.000 --> 16:25.000]  What part of it?
[16:25.000 --> 16:26.000]  All right.
[16:26.000 --> 16:35.000]  The cause of action might be upon the past cured alleged foreclosure.
[16:35.000 --> 16:38.000]  And I hear the music in the background, folks.
[16:38.000 --> 16:39.000]  Hang on there, Tony.
[16:39.000 --> 16:43.000]  We'll be right back after this brief message.
[16:43.000 --> 16:51.000]  512-646-1984 is the number to dial if you'd like to get on there with a comment or a question.
[16:51.000 --> 16:54.000]  Larry in Texas, we see you there.
[16:54.000 --> 16:57.000]  We'll get back and wrap up with Tony.
[16:57.000 --> 17:00.000]  And until then, we'll be right back.
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[18:50.000 --> 19:01.000]  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 collectors now.
[19:01.000 --> 19:11.000]  You are listening to the Logos Radio Network, logosradionetwork.com.
[19:11.000 --> 19:14.000]  Well, don't let nothing get to you.
[19:14.000 --> 19:17.000]  Only the Father can deliver you.
[19:17.000 --> 19:20.000]  Don't let bad-minded people hurt you.
[19:20.000 --> 19:23.000]  And come sit and get behind you.
[19:23.000 --> 19:25.000]  Know what I mean?
[19:25.000 --> 19:28.000]  My friend and all of your children.
[19:28.000 --> 19:31.000]  Come on.
[19:58.000 --> 20:09.000]  Welcome back to Rule of Law Radio, folks.
[20:09.000 --> 20:12.000]  I'm Steve Skidmore, your co-host or guest host.
[20:12.000 --> 20:14.000]  There I go again.
[20:14.000 --> 20:18.000]  Setting in for Randy Kelton, and to my right is Joe Esquivel,
[20:18.000 --> 20:22.000]  and we're speaking with Troy in Colorado, not Tony and Troy.
[20:22.000 --> 20:26.000]  I do apologize for that faux pas on the way out.
[20:26.000 --> 20:30.000]  But let's pick up where we left off.
[20:30.000 --> 20:32.000]  And, oh, Larry in Texas.
[20:32.000 --> 20:36.000]  I got to, before we get going here again, Troy,
[20:36.000 --> 20:39.000]  stay on the air when you get off the line.
[20:39.000 --> 20:42.000]  There's a guy here, Larry in Texas,
[20:42.000 --> 20:46.000]  that says he might have something on topic for you.
[20:46.000 --> 20:49.000]  So pick up where we were.
[20:49.000 --> 20:51.000]  Fantastic, I will stay.
[20:51.000 --> 20:52.000]  Okay.
[20:52.000 --> 20:56.000]  I mean, just, yeah, just, I don't mean to stay on the line.
[20:56.000 --> 21:00.000]  I mean, stay tuned.
[21:00.000 --> 21:02.000]  Yeah, yes, I understand.
[21:02.000 --> 21:03.000]  Okay.
[21:03.000 --> 21:04.000]  Okay.
[21:04.000 --> 21:05.000]  Okay.
[21:05.000 --> 21:10.000]  I understand the jurisdiction area, and I am going to pursue into that.
[21:10.000 --> 21:13.000]  That was one of my problems that I've been having,
[21:13.000 --> 21:15.000]  is how to present this into court,
[21:15.000 --> 21:20.000]  because I cannot find an attorney here in Colorado that's ready or willing
[21:20.000 --> 21:23.000]  to even do this.
[21:23.000 --> 21:26.000]  Well, something else that jurisdiction area is good for as well,
[21:26.000 --> 21:32.000]  whether you plan on going in pro se or whether you plan on going in represented.
[21:32.000 --> 21:39.000]  If you can't, okay, let's say you find an attorney that's willing to give it a shot.
[21:39.000 --> 21:44.000]  Look at your attorney like a hammer.
[21:44.000 --> 21:45.000]  You're a contractor.
[21:45.000 --> 21:47.000]  You know a hammer doesn't get up and drive a nail
[21:47.000 --> 21:50.000]  unless you pick it up and swing it.
[21:50.000 --> 21:51.000]  It's a tool.
[21:51.000 --> 21:53.000]  I like to just push the button, but yes.
[21:53.000 --> 21:55.000]  Right, right, right.
[21:55.000 --> 21:57.000]  But I'm not talking about pneumatics.
[21:57.000 --> 22:01.000]  I'm talking about the old school steel headed hammer with a wooden handle.
[22:01.000 --> 22:03.000]  You've got to pick that booger up, start the nail,
[22:03.000 --> 22:07.000]  and physically drive the nail yourself.
[22:07.000 --> 22:09.000]  Think of that attorney the same way.
[22:09.000 --> 22:12.000]  Now, if you're going to look at your attorney as a hammer,
[22:12.000 --> 22:16.000]  you've got to know what end of the hammer you're going to use.
[22:16.000 --> 22:19.000]  You've got to know what face of the hammer you're going to use.
[22:19.000 --> 22:24.000]  You need to know how hard to hit it and when to really lay into it.
[22:24.000 --> 22:26.000]  Look at that attorney the same way.
[22:26.000 --> 22:29.000]  And by the time you've gone through jurisdiction area,
[22:29.000 --> 22:32.000]  you should be confident enough to be able to pick that hammer up
[22:32.000 --> 22:34.000]  and drive a nail with it.
[22:34.000 --> 22:36.000]  Did that make sense?
[22:36.000 --> 22:37.000]  Absolutely.
[22:37.000 --> 22:42.000]  That's how indispensable a tool jurisdiction area is.
[22:42.000 --> 22:47.000]  I sound like a commercial, but in all honesty, I'm with Joe.
[22:47.000 --> 22:51.000]  That is an indispensable tool for anybody that's going into court,
[22:51.000 --> 22:54.000]  whether they are represented or not.
[22:54.000 --> 22:57.000]  And I will tell you this, Troy.
[22:57.000 --> 23:03.000]  When you enter your pleadings, the more professional you look,
[23:03.000 --> 23:10.000]  the more articulate your pleadings are with specificity and particularity,
[23:10.000 --> 23:14.000]  that judge will take another look at you.
[23:14.000 --> 23:20.000]  He will not see you as just being Billy Bob.
[23:20.000 --> 23:23.000]  That's exactly what my concerns were.
[23:23.000 --> 23:24.000]  Right.
[23:24.000 --> 23:28.000]  Well, if it's of any consequence to you, the last time I was in court,
[23:28.000 --> 23:34.000]  I had on the requisite tie and jacket and pressed shirt,
[23:34.000 --> 23:38.000]  and I'd written my own pleadings, I went in with an attorney,
[23:38.000 --> 23:40.000]  and opposing counsel was there.
[23:40.000 --> 23:43.000]  Now, this was kind of a different setting.
[23:43.000 --> 23:49.000]  The courtroom itself was already tied up in other issues.
[23:49.000 --> 23:54.000]  So the visiting judge took us into the jury room,
[23:54.000 --> 23:57.000]  and we had a hearing there in the jury room.
[23:57.000 --> 23:59.000]  I was seated at the end of the table.
[23:59.000 --> 24:01.000]  The judge was seated on the side.
[24:01.000 --> 24:03.000]  Our attorney was seated on the side,
[24:03.000 --> 24:08.000]  and opposing counsel was seated next to him in front of the judge.
[24:08.000 --> 24:12.000]  When our attorney was finished presenting his argument,
[24:12.000 --> 24:17.000]  the judge turned to me and said, response?
[24:17.000 --> 24:19.000]  Why, thank you, Your Honor.
[24:19.000 --> 24:21.000]  I could have humored her.
[24:21.000 --> 24:23.000]  I understand she was kind of flustered.
[24:23.000 --> 24:26.000]  I should have humored her by saying, Your Honor,
[24:26.000 --> 24:30.000]  I've got no choice after hearing the testimony of Mr. Kelly.
[24:30.000 --> 24:32.000]  I move to dismiss this whole thing.
[24:32.000 --> 24:37.000]  I might be a little prejudiced since I'm the client,
[24:37.000 --> 24:41.000]  but she knew I'd written my own pleadings.
[24:41.000 --> 24:44.000]  She knew that I knew court decorum.
[24:44.000 --> 24:49.000]  I didn't come in there in a t-shirt and a ball cap.
[24:49.000 --> 24:52.000]  I looked professional. I spoke professional.
[24:52.000 --> 24:57.000]  I held myself professional, and my pleadings looked professional.
[24:57.000 --> 25:01.000]  She didn't know that a lawyer didn't write those.
[25:01.000 --> 25:04.000]  It's because of Jurisdictionary.
[25:04.000 --> 25:09.000]  Absolutely the same way that I won my civil case against HSBC.
[25:09.000 --> 25:11.000]  Then you understand the principle.
[25:11.000 --> 25:13.000]  Yes, I do.
[25:13.000 --> 25:17.000]  I just want, I've got one more quick question for you, gentlemen.
[25:17.000 --> 25:18.000]  Yes.
[25:18.000 --> 25:22.000]  I'd like to let this gentleman in Texas get online so I can hear what he has to say, but...
[25:22.000 --> 25:23.000]  Sure.
[25:23.000 --> 25:33.000]  As far as what I need to bring to court, what I have found and thinking that I need to bring,
[25:33.000 --> 25:36.000]  which I don't know yet, and that's one of the other questions I have,
[25:36.000 --> 25:47.000]  is number one, a robo-signing review and after that confirmation of loan or trust, loan details,
[25:47.000 --> 25:50.000]  a PSA, which I don't understand what PSA is.
[25:50.000 --> 25:53.000]  PSA is pooling and servicing agreement.
[25:53.000 --> 25:56.000]  Now you're talking about secondary markets in the investment field.
[25:56.000 --> 25:57.000]  Okay.
[25:57.000 --> 26:03.000]  Wall Street, maybe Wall Street, SEC, Fannie, Freddie, Jeannie Mae.
[26:03.000 --> 26:05.000]  Those, we don't have PSAs.
[26:05.000 --> 26:10.000]  You have circular, circular documents, trust agreements.
[26:10.000 --> 26:13.000]  Pooling and servicing agreement is going to be in...
[26:13.000 --> 26:14.000]  For an RMBS.
[26:14.000 --> 26:15.000]  Right.
[26:15.000 --> 26:19.000]  Residential mortgage-backed securities pools.
[26:19.000 --> 26:21.000]  Also known as REMIX.
[26:21.000 --> 26:25.000]  A REMIX is a real estate mortgage investment conduit.
[26:25.000 --> 26:31.000]  There are 10,000, usually 10,000 mortgages in each one of these REMIX,
[26:31.000 --> 26:35.000]  and these REMIX are pooled together in blocks,
[26:35.000 --> 26:39.000]  and that's how they're sold on Wall Street, how they're traded.
[26:39.000 --> 26:40.000]  Yes.
[26:40.000 --> 26:45.000]  When the foreclosure, I mentioned to you earlier when they tried to foreclose on me,
[26:45.000 --> 26:49.000]  that was MERS, it was listed on there.
[26:49.000 --> 26:50.000]  Okay.
[26:50.000 --> 26:53.000]  Well, MERS will not be the REMIX.
[26:53.000 --> 26:56.000]  Did they list the name of a trust?
[26:56.000 --> 26:57.000]  No.
[26:57.000 --> 26:58.000]  No.
[26:58.000 --> 26:59.000]  All right.
[26:59.000 --> 27:09.000]  So how was he, from party A to party B, who was he a signee and who was he a signor?
[27:09.000 --> 27:10.000]  That I do not know.
[27:10.000 --> 27:13.000]  I will have to go over my paperwork.
[27:13.000 --> 27:16.000]  It's been four years since that happened,
[27:16.000 --> 27:21.000]  so I can't recall that name or who it was exactly at this point.
[27:21.000 --> 27:22.000]  Okay.
[27:22.000 --> 27:24.000]  A good place to start would be the county record.
[27:24.000 --> 27:26.000]  Have you been to your county records building?
[27:26.000 --> 27:27.000]  Yes.
[27:27.000 --> 27:29.000]  No one has pulled the county records out,
[27:29.000 --> 27:34.000]  and the very top one they're listing is MERS.
[27:34.000 --> 27:35.000]  Okay.
[27:35.000 --> 27:41.000]  Is there an assignment from MERS to anybody else at the deed of trust or the note and deed of trust?
[27:41.000 --> 27:47.000]  Usually not one of the note, but usually there might be one assignment of deed of trust.
[27:47.000 --> 27:50.000]  That would have been the name on the document, assignment of deed of trust.
[27:50.000 --> 27:53.000]  Did you find anything like that?
[27:53.000 --> 27:59.000]  No, I didn't realize that was what I needed to look for, but I will look for that.
[27:59.000 --> 28:00.000]  Okay.
[28:00.000 --> 28:01.000]  When you go to the county records?
[28:01.000 --> 28:03.000]  To assign the deed of trust, right?
[28:03.000 --> 28:04.000]  Right.
[28:04.000 --> 28:09.000]  Get a copy of everything from the day that you purchased.
[28:09.000 --> 28:17.000]  When you look at your county records, the records in regard to your property,
[28:17.000 --> 28:21.000]  it should start off with a warranty deed, deed of trust,
[28:21.000 --> 28:23.000]  maybe a couple of other miscellaneous documents,
[28:23.000 --> 28:29.000]  and then other documents dated after that up until now.
[28:29.000 --> 28:31.000]  There should be an assignment.
[28:31.000 --> 28:32.000]  Only if he was in default.
[28:32.000 --> 28:36.000]  Were you in default, Troy?
[28:36.000 --> 28:41.000]  In 2010, yes, I did enter into default.
[28:41.000 --> 28:44.000]  There should have been an assignment on the record.
[28:44.000 --> 28:52.000]  So the assignment would have possibly been about the 120th day.
[28:52.000 --> 28:53.000]  Okay.
[28:53.000 --> 28:55.000]  So after three months and into the fourth month,
[28:55.000 --> 29:03.000]  you would have probably had an assignment of your security instrument.
[29:03.000 --> 29:06.000]  To a substitute trustee?
[29:06.000 --> 29:09.000]  No, if he's with the GSD, it would have been to the lender.
[29:09.000 --> 29:10.000]  Okay.
[29:10.000 --> 29:14.000]  If it was to an RMBS, it would have been to the trustee
[29:14.000 --> 29:17.000]  on behalf of the certificate holders for the trust.
[29:17.000 --> 29:20.000]  I believe it was to the trustee.
[29:20.000 --> 29:21.000]  Okay.
[29:21.000 --> 29:23.000]  So then there was an assignment on the record.
[29:23.000 --> 29:24.000]  Okay.
[29:24.000 --> 29:25.000]  Yes.
[29:25.000 --> 29:28.000]  Okay.
[29:28.000 --> 29:29.000]  Okay.
[29:29.000 --> 29:31.000]  That's a good place to start.
[29:31.000 --> 29:35.000]  Was there a court action that was taken?
[29:35.000 --> 29:37.000]  Was there a claim that was filed against you?
[29:37.000 --> 29:40.000]  A complaint and summons?
[29:40.000 --> 29:42.000]  Yes, I was served papers.
[29:42.000 --> 29:45.000]  They took me to court.
[29:45.000 --> 29:46.000]  All right.
[29:46.000 --> 29:48.000]  Why don't we talk about that when we get back?
[29:48.000 --> 29:51.000]  Troy, this is Joe Esquivel, Steve Skidmore,
[29:51.000 --> 29:55.000]  Rule of Law Radio will be taking your calls when we get back.
[29:55.000 --> 30:04.000]  In a few seconds.
[30:04.000 --> 30:06.000]  Listen up, peanut allergy sufferers.
[30:06.000 --> 30:10.000]  If you eat chocolate, doctors may be able to wean you onto peanuts
[30:10.000 --> 30:11.000]  without a reaction.
[30:11.000 --> 30:12.000]  I'm Dr. Catherine Albrecht.
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[30:45.000 --> 30:49.000]  If you're allergic and wind up in the hospital for eating just one peanut,
[30:49.000 --> 30:51.000]  have I got sweet news.
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[30:54.000 --> 30:56.000]  may reduce your allergy.
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[30:59.000 --> 31:01.000]  with severe peanut reactions.
[31:01.000 --> 31:05.000]  By feeding them chocolate with small but increasing quantities of peanuts
[31:05.000 --> 31:09.000]  over a period of three years, nearly all of the allergy sufferers
[31:09.000 --> 31:12.000]  were able to work their way up to five peanuts a day.
[31:12.000 --> 31:13.000]  If you're allergic to nuts,
[31:13.000 --> 31:16.000]  I'm not sure you'll be eating peanut butter sandwiches anytime soon,
[31:16.000 --> 31:18.000]  but an occasional nut in a cookie?
[31:18.000 --> 31:20.000]  Someday you may.
[31:20.000 --> 31:22.000]  Reese's, peanut butter cups, anyone?
[31:22.000 --> 31:24.000]  I'm Dr. Catherine Albrecht.
[31:24.000 --> 31:30.000]  More news and information at CatherineAlbrecht.com.
[31:30.000 --> 31:36.000]  This is Building 7, a 47-story skyscraper that fell on the afternoon of September 11.
[31:36.000 --> 31:38.000]  The government says that fire brought it down.
[31:38.000 --> 31:43.000]  However, 1,500 architects and engineers concluded it was a controlled demolition.
[31:43.000 --> 31:46.000]  Over 6,000 of my fellow service members have given their lives.
[31:46.000 --> 31:49.000]  Thousands of my fellow first responders are dying.
[31:49.000 --> 31:50.000]  I'm a conspiracy theorist.
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[31:51.000 --> 31:52.000]  I'm a New York City correction officer.
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[31:55.000 --> 31:57.000]  We're Americans, and we deserve the truth.
[31:57.000 --> 32:02.000]  Go to RememberBuilding7.org today.
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[33:19.000 --> 33:36.000]  Welcome back to Rule of Law Radio, folks.
[33:36.000 --> 33:41.000]  It is Friday, the eighth day of November 2013,
[33:41.000 --> 33:45.000]  and we're speaking with Troy in Colorado.
[33:45.000 --> 33:49.000]  Troy, the guy that's going to come on right after you,
[33:49.000 --> 33:54.000]  I believe he might be able to add, or shed some light rather,
[33:54.000 --> 34:01.000]  on what you can do about collecting on an insurance claim that's held by a lien holder.
[34:01.000 --> 34:08.000]  So, do you have any further questions for us or comments?
[34:08.000 --> 34:13.000]  No, I just, you guys have answered pretty much all of my questions that I have tonight.
[34:13.000 --> 34:16.000]  They definitely loaded me up with enough information.
[34:16.000 --> 34:17.000]  Okay.
[34:17.000 --> 34:21.000]  I'm sorry, I do have one other question.
[34:21.000 --> 34:23.000]  Absolutely, go right ahead.
[34:23.000 --> 34:31.000]  As long as it's not where the babies come from, because the jury's still out on that one.
[34:31.000 --> 34:34.000]  No, no, no.
[34:34.000 --> 34:41.000]  So, my understanding of our conversation tonight is that I need to get my county records.
[34:41.000 --> 34:46.000]  Now, do I need to also get the records of the trustee's office of the records of my home?
[34:46.000 --> 34:50.000]  No, just whatever's on the county reporter's office,
[34:50.000 --> 34:55.000]  whatever is recorded publicly in the land records.
[34:55.000 --> 34:56.000]  Okay.
[34:56.000 --> 34:57.000]  All right.
[34:57.000 --> 34:58.000]  Well, gentlemen, thank you very much.
[34:58.000 --> 35:02.000]  I will do that, and I look forward to talking to you both,
[35:02.000 --> 35:04.000]  and thank you so much for all the information.
[35:04.000 --> 35:05.000]  You're quite welcome.
[35:05.000 --> 35:07.000]  Anytime.
[35:07.000 --> 35:08.000]  All right.
[35:08.000 --> 35:09.000]  All right.
[35:09.000 --> 35:13.000]  Thank you, Troy, and now we're going to Larry in Texas.
[35:13.000 --> 35:14.000]  Hi, Larry.
[35:14.000 --> 35:15.000]  Hey, Steve.
[35:15.000 --> 35:17.000]  How you doing, man?
[35:17.000 --> 35:19.000]  This is the Larry I thought it was.
[35:19.000 --> 35:20.000]  Doing good.
[35:20.000 --> 35:21.000]  Doing good.
[35:21.000 --> 35:22.000]  Long time no hear, brother.
[35:22.000 --> 35:23.000]  Yeah.
[35:23.000 --> 35:24.000]  I have to get with you later.
[35:24.000 --> 35:26.000]  You know I know about insurance.
[35:26.000 --> 35:27.000]  Oh, yeah.
[35:27.000 --> 35:28.000]  Oh, yeah.
[35:28.000 --> 35:35.000]  Well, once there was Chris on the call board there,
[35:35.000 --> 35:45.000]  he'll Skype us little messages about what you kind of general information is
[35:45.000 --> 35:49.000]  to what you wanted to talk about,
[35:49.000 --> 35:54.000]  and here it says that you had some information for the guy
[35:54.000 --> 35:56.000]  that we were talking to right now who was Troy.
[35:56.000 --> 35:58.000]  So I thought, okay, this is an insurance deal.
[35:58.000 --> 36:01.000]  There's only one Larry that I know that would know anything about that,
[36:01.000 --> 36:03.000]  and I was right.
[36:03.000 --> 36:05.000]  Well, I've been dealing with it 18 years.
[36:05.000 --> 36:09.000]  So anyway, I wanted to compliment Joe.
[36:09.000 --> 36:13.000]  This is a dangerous man.
[36:13.000 --> 36:15.000]  I like to think so.
[36:15.000 --> 36:20.000]  I like to surround myself with dangerous people.
[36:20.000 --> 36:21.000]  They come in handy.
[36:21.000 --> 36:23.000]  That's good.
[36:23.000 --> 36:27.000]  So long as I'm just as dangerous and can reciprocate.
[36:27.000 --> 36:31.000]  You're going to be more dangerous now.
[36:31.000 --> 36:32.000]  Yeah.
[36:32.000 --> 36:33.000]  Anyway.
[36:33.000 --> 36:35.000]  Could you imagine me with a bar card?
[36:35.000 --> 36:38.000]  Oh, my God, Steve.
[36:38.000 --> 36:41.000]  It's more fun, Steve, without the bar card.
[36:41.000 --> 36:42.000]  Yeah.
[36:42.000 --> 36:47.000]  And the reason is because they can't take something away from you that you don't have.
[36:47.000 --> 36:48.000]  True.
[36:48.000 --> 36:51.000]  True.
[36:51.000 --> 36:54.000]  So yeah, I agree.
[36:54.000 --> 36:59.000]  I mean, Larry, this does get to be fun sometimes.
[36:59.000 --> 37:00.000]  It really does.
[37:00.000 --> 37:04.000]  I mean, there's a lot of hard work involved for everybody out there.
[37:04.000 --> 37:07.000]  I'm going to tell you that it's hard work.
[37:07.000 --> 37:08.000]  Yeah.
[37:08.000 --> 37:10.000]  Knowledge is power, and power is confidence.
[37:10.000 --> 37:11.000]  Yes.
[37:11.000 --> 37:14.000]  Isn't it fun to watch them cringe?
[37:14.000 --> 37:16.000]  Yes.
[37:16.000 --> 37:17.000]  Yeah.
[37:17.000 --> 37:23.000]  If you've never heard a sphincter squeak, go to court with good ammo.
[37:23.000 --> 37:24.000]  Sorry.
[37:24.000 --> 37:25.000]  Anyway, I'm not.
[37:25.000 --> 37:27.000]  That's Randy rubbing off on me.
[37:27.000 --> 37:28.000]  Huh?
[37:28.000 --> 37:30.000]  That's Randy rubbing off on me.
[37:30.000 --> 37:33.000]  He gets a little crude sometimes.
[37:33.000 --> 37:35.000]  It's one of the things I love about Randy Kelton.
[37:35.000 --> 37:40.000]  Anyway, Larry, can you shed some light on this debacle about trying to squeeze
[37:40.000 --> 37:45.000]  insurance money out of an alleged creditor or mortgage servicer?
[37:45.000 --> 37:54.000]  Well, on the insurance part, okay, he needs to put a final invoice to get.
[37:54.000 --> 37:55.000]  How long ago was it?
[37:55.000 --> 37:58.000]  Two years ago he was talking.
[37:58.000 --> 38:00.000]  2010.
[38:00.000 --> 38:01.000]  That's okay.
[38:01.000 --> 38:04.000]  It's still, that's fine.
[38:04.000 --> 38:07.000]  Is there a statute of limitations that you know of?
[38:07.000 --> 38:08.000]  No, no.
[38:08.000 --> 38:09.000]  Tell them.
[38:09.000 --> 38:10.000]  Okay.
[38:10.000 --> 38:15.000]  The thing about it is, is he up to date on his mortgage right now?
[38:15.000 --> 38:16.000]  Yes.
[38:16.000 --> 38:17.000]  Okay.
[38:17.000 --> 38:18.000]  That's fine.
[38:18.000 --> 38:23.000]  What Troy needs to do is get a final invoice together because let's say on a claim
[38:23.000 --> 38:30.000]  they paid $10,000, but the mortgage company only gave him $6,000.
[38:30.000 --> 38:32.000]  Well, they still owe $4,000.
[38:32.000 --> 38:33.000]  Right.
[38:33.000 --> 38:34.000]  It's labor deteriorable.
[38:34.000 --> 38:35.000]  Cost plus.
[38:35.000 --> 38:41.000]  So he needs to, for the sake of argument, if they paid him six, he needs to get an
[38:41.000 --> 38:46.000]  invoice together, send it over to the lost draft department of that.
[38:46.000 --> 38:50.000]  Lost, did you say lost draft department?
[38:50.000 --> 38:51.000]  Uh-huh.
[38:51.000 --> 38:52.000]  Okay.
[38:52.000 --> 38:57.000]  That's where, that's where, that's where everything's approved for that check please.
[38:57.000 --> 38:58.000]  Gotcha.
[38:58.000 --> 39:00.000]  The mortgage company.
[39:00.000 --> 39:01.000]  Gotcha.
[39:01.000 --> 39:02.000]  Okay.
[39:02.000 --> 39:08.000]  And then he needs to just, just send him a, send him a bill and say, look, I'm done.
[39:08.000 --> 39:13.000]  Plus include the inspector's report.
[39:13.000 --> 39:14.000]  Okay.
[39:14.000 --> 39:17.000]  Well, that would be the triggering mechanism, wouldn't it?
[39:17.000 --> 39:25.000]  What would happen if the banks, Larry, have mis-supplied the funds?
[39:25.000 --> 39:26.000]  Doesn't matter.
[39:26.000 --> 39:29.000]  They ought to owe the bill.
[39:29.000 --> 39:31.000]  Then it would come out of their coffer, wouldn't it?
[39:31.000 --> 39:35.000]  They'd have to reach into their, into their cookie jar and get a few more dollars out
[39:35.000 --> 39:36.000]  of there, wouldn't it?
[39:36.000 --> 39:37.000]  Yeah.
[39:37.000 --> 39:41.000]  The thing about it is, is they're probably getting interest on that money.
[39:41.000 --> 39:42.000]  Exactly.
[39:42.000 --> 39:43.000]  Back in 2000.
[39:43.000 --> 39:45.000]  Oh, wait a minute.
[39:45.000 --> 39:47.000]  Okay.
[39:47.000 --> 39:48.000]  Wait a minute.
[39:48.000 --> 39:53.000]  If they're collecting interest off of withheld funds, that's unjust enrichment.
[39:53.000 --> 39:56.000]  Well, let me tell you a true story.
[39:56.000 --> 40:00.000]  This is what I dealt with back in 2000 with checks.
[40:00.000 --> 40:01.000]  Okay.
[40:01.000 --> 40:02.000]  The worst.
[40:02.000 --> 40:03.000]  Okay.
[40:03.000 --> 40:09.000]  There was a claim that I did that I was dealing with and I had to go, had to deal with attorneys.
[40:09.000 --> 40:13.000]  I had written an estimate and anytime you do these estimates, you wrap them as high
[40:13.000 --> 40:16.000]  as you can because the insurance company is going to beat you down.
[40:16.000 --> 40:17.000]  Right.
[40:17.000 --> 40:21.000]  I wrote an, I wrote an estimate for like 175,000.
[40:21.000 --> 40:23.000]  Attorney said it's too high.
[40:23.000 --> 40:24.000]  So I had to go.
[40:24.000 --> 40:25.000]  Natural.
[40:25.000 --> 40:27.000]  About 120, about 140.
[40:27.000 --> 40:29.000]  They negotiated the deal.
[40:29.000 --> 40:31.000]  They paid 125.
[40:31.000 --> 40:35.000]  They kept 40,000 and gave the rest.
[40:35.000 --> 40:36.000]  Okay.
[40:36.000 --> 40:44.000]  So the check came to the claimee or the one who filed the claim with the lien holder on
[40:44.000 --> 40:46.000]  there with the mortgage company.
[40:46.000 --> 40:53.000]  She endorses it, sends it over to the mortgage company.
[40:53.000 --> 41:01.000]  The mortgage company wants to know the contract, wants the social security number, the whole
[41:01.000 --> 41:02.000]  nine yards.
[41:02.000 --> 41:09.000]  So anyway, you play their stupid game and then they go ahead and cut, they cut the check
[41:09.000 --> 41:10.000]  in thirds.
[41:10.000 --> 41:15.000]  They send out a third of the money at the first part.
[41:15.000 --> 41:17.000]  They sit halfway through the project.
[41:17.000 --> 41:24.000]  They send another third and then they're supposed to send somebody out to inspect the property.
[41:24.000 --> 41:28.000]  Once it's done, then they cut the final check.
[41:28.000 --> 41:34.000]  Well, they wouldn't do it on that final check and I fought with them and fought with them
[41:34.000 --> 41:39.000]  and I finally found out they were taking the checks and they were putting them in an account
[41:39.000 --> 41:42.000]  in New York and making interest off the money.
[41:42.000 --> 41:46.000]  So I threatened to turn them in to the state.
[41:46.000 --> 41:48.000]  Well, they cut the whole check.
[41:48.000 --> 41:55.000]  They released it to me and I told them, I said, and here's another thing.
[41:55.000 --> 41:57.000]  Here's what Chase does.
[41:57.000 --> 42:04.000]  Chase Manhattan will, when that check comes, you can't cash it here at Chase.
[42:04.000 --> 42:05.000]  They won't let you.
[42:05.000 --> 42:09.000]  They make you put it in the bank and put a 10 day hold on it or whatever.
[42:09.000 --> 42:12.000]  It's off their own books.
[42:12.000 --> 42:15.000]  Well, they say it's like two different accounts.
[42:15.000 --> 42:17.000]  They will not.
[42:17.000 --> 42:20.000]  Is it a draft or is it a check?
[42:20.000 --> 42:22.000]  It is a check.
[42:22.000 --> 42:24.000]  They will not cash it.
[42:24.000 --> 42:31.000]  They said Chase Manhattan is not the same as Chase in Texas.
[42:31.000 --> 42:33.000]  Gotcha.
[42:33.000 --> 42:35.000]  It's a subsidiary.
[42:35.000 --> 42:36.000]  Huh?
[42:36.000 --> 42:38.000]  It's a subsidiary.
[42:38.000 --> 42:41.000]  Maybe they're worried it's going to bounce.
[42:41.000 --> 42:44.000]  In that case, that would be without recourse.
[42:44.000 --> 42:45.000]  Yeah.
[42:45.000 --> 42:50.000]  Chase did spend, what, $9 billion in litigation fees last year.
[42:50.000 --> 42:53.000]  Well, they set aside $26 billion.
[42:53.000 --> 42:55.000]  They've already gone through it.
[42:55.000 --> 42:56.000]  Yeah.
[42:56.000 --> 42:59.000]  Well, here's what I did to bypass the bank on this one.
[42:59.000 --> 43:05.000]  I was talking to the adjuster and she said, she said, we can bypass sending it to the
[43:05.000 --> 43:08.000]  mortgage company if we put your name on the check.
[43:08.000 --> 43:09.000]  I said, really?
[43:09.000 --> 43:12.000]  I said, let me see if the homeowner wants to do that.
[43:12.000 --> 43:17.000]  I go to the homeowner and I said, look, if you want to reduce pain and agony, let me
[43:17.000 --> 43:24.000]  put my name on that check because you're going to wait three or four weeks after you
[43:24.000 --> 43:27.000]  mail the check off before you get a check.
[43:27.000 --> 43:28.000]  Yeah.
[43:28.000 --> 43:30.000]  And we're going to have to jump through hoops.
[43:30.000 --> 43:37.000]  We didn't go to the mortgage company and they have a lien on the property.
[43:37.000 --> 43:38.000]  Huh.
[43:38.000 --> 43:40.000]  The mortgage company put a lien on the property?
[43:40.000 --> 43:41.000]  Well, no, no, no.
[43:41.000 --> 43:42.000]  I'll hold, Steve.
[43:42.000 --> 43:43.000]  I hear that.
[43:43.000 --> 43:44.000]  Oh, okay.
[43:44.000 --> 43:45.000]  Okay.
[43:45.000 --> 43:48.000]  And we do have a break coming up.
[43:48.000 --> 43:51.000]  512-646-1984 is the number.
[43:51.000 --> 43:53.000]  And Troy, I see you came back.
[43:53.000 --> 43:55.000]  We'll get to you on the other side.
[43:55.000 --> 43:57.000]  We'll be right back, folks.
[43:57.000 --> 43:59.000]  Stay tuned.
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[46:15.000 --> 46:40.000]  Welcome back to Rule of Law Radio, folks.
[46:40.000 --> 47:00.000]  We've got Larry in Texas and Troy in Colorado. The call-in number to get on air tonight is 512-646-1984.
[47:00.000 --> 47:07.000]  And Joe and I kind of discussed a little bit over the break there.
[47:07.000 --> 47:13.000]  And Larry, if you don't mind, I'm going to bring Troy on as well, and we'll just do a roundtable on this subject.
[47:13.000 --> 47:16.000]  Yeah, that's great.
[47:16.000 --> 47:19.000]  Troy in Colorado, you're live.
[47:19.000 --> 47:29.000]  Larry, you've opened up my eyes here to a few things as well that I didn't realize that I could do.
[47:29.000 --> 47:36.000]  I'd like to talk more with you about this offline, off the radio anyway, if there's any chance that could happen.
[47:36.000 --> 47:44.000]  Yeah, I think either Steve can give you my number or whatever. No big deal.
[47:44.000 --> 47:50.000]  I'll tell you what, Troy, I'll put his number in Skype.
[47:50.000 --> 47:56.000]  And when we're through this conversation, stay on.
[47:56.000 --> 48:05.000]  And Chris, if you're listening, I'll put this number in Skype and just pass this number on to Troy, if you would.
[48:05.000 --> 48:20.000]  So, okay, gentlemen, Larry, with your experience and your knowledge of what Troy has, go back over again the department.
[48:20.000 --> 48:27.000]  What is he going to need to gather together? What information does he need to send to what department?
[48:27.000 --> 48:37.000]  Well, let me ask you, Troy, when you've – what happened? What kind of claim was it?
[48:37.000 --> 48:39.000]  I'm sorry, I didn't hear the very last part of that.
[48:39.000 --> 48:46.000]  What kind of claim? Did you have a disaster? Did you have a flood, fire, whatever?
[48:46.000 --> 48:53.000]  We had three hail storms roll through my neighborhood in three days. It was hail damage.
[48:53.000 --> 48:56.000]  You had a roof replacement?
[48:56.000 --> 49:02.000]  Roof replaced, drywall work, gutter repairs, you know, that sort of stuff.
[49:02.000 --> 49:11.000]  Okay. I can also talk to you about off air, how you can go back to your insurance company and get them to pay more money that they didn't pay on the claim.
[49:11.000 --> 49:16.000]  I'll shoot holes in those estimates. I'm determined to switch cheese when I get them from the adjusters.
[49:16.000 --> 49:17.000]  But anyway –
[49:17.000 --> 49:22.000]  Larry, while you're on that subject, can you share that with some of the listeners without being –
[49:22.000 --> 49:26.000]  we don't want to give up too many trade secrets or personal information.
[49:26.000 --> 49:34.000]  It's taken me a long time to perfect this. I've done this as long as Eddie has done what he's done and you've done what you've done.
[49:34.000 --> 49:37.000]  So we're doing our trades.
[49:37.000 --> 49:38.000]  Okay.
[49:38.000 --> 49:50.000]  So anyway, whenever you have a disaster of any sort and you file a claim and the insurance company says, yeah, we're going to pay,
[49:50.000 --> 49:58.000]  the adjuster will come out. Usually he's called a – like your situation, Troy, is called a cattle adjuster.
[49:58.000 --> 50:04.000]  And those guys are getting paid about 400 bucks or whatever, and they pump those estimates out very quick.
[50:04.000 --> 50:16.000]  They do not include everything. And most homeowners do not understand insurance and cannot figure out how to even read an estimate, much less,
[50:16.000 --> 50:23.000]  oh, he didn't put in a valley, he didn't put in a jackpot, he's not painting, he's not doing this.
[50:23.000 --> 50:35.000]  Okay. You get somebody like me that comes in and I've checked through that estimate and I find all the things they left out.
[50:35.000 --> 50:42.000]  Plus they use their numbers, same numbers they have. They use Xactimate as their software.
[50:42.000 --> 50:56.000]  And then I – if the homeowner allows me to do this, I get back in touch with the adjuster and I talk to the adjuster and we negotiate pricing.
[50:56.000 --> 51:03.000]  And I don't try to piss them off. Excuse my language. I'm sorry. I don't try to kick them off.
[51:03.000 --> 51:13.000]  I don't try to kick them off. Basically what I'm trying to do is – and I'll put enough in there where the adjuster will say, we can't pay this.
[51:13.000 --> 51:19.000]  Okay. And I said, well, can we pay this? And he goes, yeah, we can do this.
[51:19.000 --> 51:24.000]  So he goes back to his boss and he looks good to his boss and he said, this contractor is cool.
[51:24.000 --> 51:33.000]  And he pays me almost everything. It's like I just did a claim. I'm finishing up the claim tomorrow.
[51:33.000 --> 51:39.000]  The adjuster, it was a fire. The insurance company never came out. That's a no-no.
[51:39.000 --> 51:45.000]  On a fire, they always have to investigate it. But I didn't slam them.
[51:45.000 --> 51:52.000]  So what I did, I got somebody that I knew that could come in and investigate the fire and write a protocol like an engineer.
[51:52.000 --> 51:59.000]  He writes the protocol. It opens the door wide. They only paid $2,400 on this claim.
[51:59.000 --> 52:06.000]  Guess what they paid when I got through with it? They paid about $25,000 more.
[52:06.000 --> 52:07.000]  Wow.
[52:07.000 --> 52:08.000]  I wrote –
[52:08.000 --> 52:11.000]  That's a big point difference.
[52:11.000 --> 52:18.000]  Yes, sir. Yes, sir. See, when a claim is filed, let's say they file one for $5,000.
[52:18.000 --> 52:29.000]  They'll have more left in the kitty, maybe $3,000, whatever. Never five times the amount to have to get special approval.
[52:29.000 --> 52:39.000]  I got them to pay everything, everything. I sent in extra supplementals. I hit them for like – my estimate was $26,000.
[52:39.000 --> 52:46.000]  They paid $23,000. The adjuster told me, I'm surprised they paid that much. I said, well, I know the numbers.
[52:46.000 --> 52:59.000]  I went back with another one for $3,000. They paid that, $3,400. And then I went back with one more for about $1,500.
[52:59.000 --> 53:11.000]  They paid every single dime. Anyway, I forgot where I was going with that, but I was just kind of giving a history of this one.
[53:11.000 --> 53:24.000]  But back to you, Troy, when you send that off, if you can find the supervisor of the lost draft department, I'll help you with it.
[53:24.000 --> 53:27.000]  We'll talk about it, and I'll help you. I'll show you what to do.
[53:27.000 --> 53:32.000]  Resting at certified mail, make sure you get a green card back that they signed off on it.
[53:32.000 --> 53:33.000]  Sure.
[53:33.000 --> 53:36.000]  Just like to do with legal documents.
[53:36.000 --> 53:38.000]  Yeah, you want to verify that they got it.
[53:38.000 --> 53:49.000]  The thing about that storm that I had after I filed that claim on my home, the mortgage company decided that they didn't want to insure my home anymore,
[53:49.000 --> 53:52.000]  so I had to go get a different insurance company.
[53:52.000 --> 53:56.000]  Did your premiums go up?
[53:56.000 --> 54:02.000]  That I can't answer. I haven't checked the numbers, so I can't answer that right now.
[54:02.000 --> 54:11.000]  Okay. Well, the reason I ask is sometimes if you make a claim, your premiums will go up, but they should not go up due to an act of God.
[54:11.000 --> 54:13.000]  Correct me if I'm wrong, Larry.
[54:13.000 --> 54:22.000]  No, I don't think so. He hasn't done anything wrong. They're just trying to beat up on the man.
[54:22.000 --> 54:23.000]  Yeah, I agree.
[54:23.000 --> 54:33.000]  That's basically what they did. It was between the insurance company and my mortgage company. It seems like they ganged up on me like, I don't know, like the mafia.
[54:33.000 --> 54:39.000]  You ain't one of them conspiracy theorists, are you?
[54:39.000 --> 54:48.000]  There's a conspiracy theorist and conspiracy therapist. I partake in the latter.
[54:48.000 --> 54:53.000]  Well, I don't believe it's a conspiracy if it's true.
[54:53.000 --> 54:56.000]  Correct.
[54:56.000 --> 55:05.000]  But one thing I remember we were talking about, whenever you get an estimate from the adjuster, you need to have a professional come in,
[55:05.000 --> 55:12.000]  a contractor who understands the insurance industry that is willing to fight for you and go to battle for you
[55:12.000 --> 55:22.000]  and doesn't work for the insurance companies, or he can evaluate that and he can negotiate with the insurance companies to get the adjuster,
[55:22.000 --> 55:27.000]  to get the most bang for your buck, you know.
[55:27.000 --> 55:44.000]  But no, the mortgage companies are supposed to release one-third at the beginning. It's not out of pocket and one-third somewhere in the middle and one-third at the completion.
[55:44.000 --> 55:53.000]  I've dealt with one one time. I told the mortgage company, it was Chase, I said, that's not going to work. We're going to have to get special approval.
[55:53.000 --> 56:02.000]  You're going to have to give me more money up front because we can't wait for this. We can't do lifetime.
[56:02.000 --> 56:09.000]  And I'm not paying out of pocket on this. And they said, well, we'll see what we can do.
[56:09.000 --> 56:17.000]  That's exactly how I got in my trouble is because I didn't know how to negotiate with them.
[56:17.000 --> 56:24.000]  They gave me, like you said, a third and I bought the materials, showed them the receipt.
[56:24.000 --> 56:34.000]  They gave me another third, which didn't pay for the materials. So I had to take my house payments to make these, to get the material.
[56:34.000 --> 56:43.000]  And I thought this thing is going to be fine. They said they would release the money in November and it took until April to get it to me.
[56:43.000 --> 56:45.000]  And that's when they started foreclosing on me.
[56:45.000 --> 56:49.000]  Well, I bet you they're making interest off that account. I know for a fact.
[56:49.000 --> 56:53.000]  They absolutely were. They absolutely were. That's why they held it.
[56:53.000 --> 56:56.000]  Hang on one second. Joe, are you there?
[56:56.000 --> 56:58.000]  Yeah, I'm here.
[56:58.000 --> 57:15.000]  I can almost guarantee you that when you get a disaster like a hurricane and it takes, they'll pay up front pretty quick, but as more claims come in, they start getting sluggish, more sluggish.
[57:15.000 --> 57:19.000]  And I know they did it back in 2000 here in Texas.
[57:19.000 --> 57:34.000]  You know, they were putting, they were holding that money in an account and dragging it. And they even told me they were putting, you know, all this money was coming from the insurance companies, you know, going through the homeowner.
[57:34.000 --> 57:44.000]  And they send the checks and they put that in an account and they write off that account, yet they're making interest off that money.
[57:44.000 --> 57:53.000]  And they'll put multiple, multiple checks together.
[57:53.000 --> 57:57.000]  So anyway, I hear the music.
[57:57.000 --> 58:01.000]  Okay. Yeah, we're coming up on the top of the hour break.
[58:01.000 --> 58:24.000]  Gentlemen, I'm going to, I see Sharon from California has called in. I'm going to mute you both and over the break, if all works right, Chris can get on and give Troy Larry's telephone number and you guys can pick this up and speak more, more freely.
[58:24.000 --> 58:36.000]  So 512, excuse me, 512-646-1984 is the number to dial if you'd like to speak with me and I can't figure out why, but if you want to just dial the number.
[58:36.000 --> 58:48.000]  And I can, Joel will talk to you too. Let's call in a few questions and comments and Sharon will get to you. Yes, Sharon will get back, get to you on the other side.
[58:48.000 --> 58:50.000]  Folks, we'll be right back.
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[59:13.000 --> 59:24.000]  The free books are a three volume set called Basic Elements of the Christian Life. Chapter by chapter, Basic Elements of the Christian Life clearly presents God's plan of salvation,
[59:24.000 --> 59:27.000]  growing in Christ and how to build up the Church.
[59:27.000 --> 59:40.000]  To order your free New Testament Recovery Version and Basic Elements of the Christian Life, call Bibles for America toll free at 888-551-0102.
[59:40.000 --> 59:50.000]  That's 888-551-0102 or visit us online at bfa.org.
[59:50.000 --> 01:00:02.000]  You're listening to the Logos Radio Network at logosradionetwork.com.
[01:00:02.000 --> 01:00:07.000]  This is the Liberty Beat, your daily source for Liberty news and activist updates.
[01:00:07.000 --> 01:00:14.000]  Online at thelibertybeat.com. I'm Brian Hagan with your Liberty Beat for Friday, November 8th, 2013.
[01:00:14.000 --> 01:00:23.000]  Gold opens today at $1,295. Silver opens at $21.48 and Bitcoin is trading at $291.
[01:00:23.000 --> 01:00:31.000]  Support for the Liberty Beat comes from Brave New Books, your local source for One World Way, Hangy Tangerine 2.0 and Clearly Filtered.
[01:00:31.000 --> 01:00:36.000]  In Austin at 1904 Guadalupe Street and online at bravenewbookstore.com.
[01:00:36.000 --> 01:00:42.000]  Support also comes from Austin Animal Clinic, celebrating their 59th year of quality, compassionate pet care.
[01:00:42.000 --> 01:00:52.000]  In Austin at 4330 North Lamar Boulevard, by phone at 512-453-6686 and online at austinanimalclinicinc.com.
[01:00:52.000 --> 01:00:56.000]  And now the news, more than $10 million each year.
[01:00:56.000 --> 01:01:02.000]  That's how much the CIA is paying AT&T for access to the company's phone records.
[01:01:02.000 --> 01:01:08.000]  A report published by the Washington Times Thursday says that while most of the calls are made overseas,
[01:01:08.000 --> 01:01:12.000]  some made to and from the United States are included with the collected data.
[01:01:12.000 --> 01:01:19.000]  The Times states that the company participation in the plot is volunteering.
[01:01:19.000 --> 01:01:26.000]  An Arkansas police officer is at the center of a lawsuit filed by a woman who claims she was tasered for refusing to show her breasts.
[01:01:26.000 --> 01:01:34.000]  The New York Daily News says Ashley Bennett claims that Officer Brandon Carter came to her workplace in uniform on December 11, 2011.
[01:01:34.000 --> 01:01:38.000]  It was then that he allegedly ordered her to let him look at her breasts.
[01:01:38.000 --> 01:01:45.000]  Bennett declined and claims she was chased around the building by Carter, who, when catching her, tased Bennett numerous times.
[01:01:45.000 --> 01:01:54.000]  She says it was not his first lute advance towards her. She's now suing Carter and the city of Haskell, Arkansas, in federal court.
[01:01:54.000 --> 01:02:02.000]  A new live videocast that will focus on solutions is set to launch on Thursday, November 14, 8 p.m. Central.
[01:02:02.000 --> 01:02:07.000]  The Conscious Resistance Live will be hosted by Houston-based community activist Derek Brose
[01:02:07.000 --> 01:02:12.000]  and place a strong emphasis on community members working on positive action.
[01:02:12.000 --> 01:02:16.000]  The program will run regularly on Sunday nights covering topical news stories,
[01:02:16.000 --> 01:02:22.000]  as well as segments focusing on gardening, music, meditation, and ideas for creating change in your community.
[01:02:22.000 --> 01:02:26.000]  The debut episode will feature recently released activist Adam Kokash.
[01:02:26.000 --> 01:02:30.000]  The program can be found at theconsciencesresistance.com.
[01:02:30.000 --> 01:02:33.000]  Support for the Liberty Beat comes from Cabo Bobs.
[01:02:33.000 --> 01:02:38.000]  Check out their new location at 29th and Rio Grande between Guadalupe and Lamar.
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[01:02:44.000 --> 01:02:50.000]  Support also comes from Central Texas Gunworks, CHL courses, self-defense training, and firearm sales.
[01:02:50.000 --> 01:02:53.000]  Online, centraltexasgunworks.com.
[01:02:53.000 --> 01:02:57.000]  This is the Liberty Beat for Friday, November 8, 2013.
[01:02:57.000 --> 01:03:00.000]  Check out the website at thelibertybeat.com.
[01:03:00.000 --> 01:03:22.000]  Yeah, a story for everyone to hear, about how we're not gonna give in to the fear.
[01:03:22.000 --> 01:03:51.000]  And we're back at the top of the hour, folks.
[01:03:51.000 --> 01:03:56.000]  We've got one hour left, and if you want to get on and have a question or a comment,
[01:03:56.000 --> 01:04:02.000]  you can do so by dialing 512-646-1984.
[01:04:02.000 --> 01:04:10.000]  And we're gonna go back to, if my screen will refresh, Larry in Texas and Troy in Colorado.
[01:04:10.000 --> 01:04:15.000]  Gentlemen, very good topic.
[01:04:15.000 --> 01:04:22.000]  It seems like there's no end to the way these mortgage companies
[01:04:22.000 --> 01:04:28.000]  and lending institutions rob the people and make money off of it.
[01:04:28.000 --> 01:04:35.000]  It seems to me, Larry, you'd mentioned a couple of figures and a big point spread between the two.
[01:04:35.000 --> 01:04:42.000]  I take it then, yeah, I suppose we can presume that this is not an isolated case.
[01:04:42.000 --> 01:04:45.000]  Moreover, probably they're MO.
[01:04:45.000 --> 01:04:53.000]  Now, if you think of everybody that has an insurance claim against their house,
[01:04:53.000 --> 01:04:59.000]  and let's say the mortgage company withholds a third of that
[01:04:59.000 --> 01:05:04.000]  until they just absolutely have to pay it off or face litigation.
[01:05:04.000 --> 01:05:07.000]  But they keep that money in an interest-bearing account.
[01:05:07.000 --> 01:05:16.000]  But, you know, you can stack nickels on top of one another, and pretty soon you got five or ten bucks.
[01:05:16.000 --> 01:05:24.000]  Multiply that by a few million, and that interest, that by hook by crook interest accruing there,
[01:05:24.000 --> 01:05:28.000]  that's a lot of unjust enrichment.
[01:05:28.000 --> 01:05:41.000]  Well, imagine 500 in an account where you have 500 checks that have come through, or maybe a thousand.
[01:05:41.000 --> 01:05:45.000]  The mold industry was going on here in Texas.
[01:05:45.000 --> 01:05:50.000]  They, you know, it was rampant.
[01:05:50.000 --> 01:05:57.000]  I mean, thousands and thousands of people filed claims, you know, all the time.
[01:05:57.000 --> 01:06:01.000]  And they're making, and they told me, you know,
[01:06:01.000 --> 01:06:07.000]  they're making a small percentage off of these, off of the money in these accounts.
[01:06:07.000 --> 01:06:13.000]  Well, it seems to me like what looks to us, a homeowner, as a disaster,
[01:06:13.000 --> 01:06:19.000]  looks like windfall profit to the mortgage companies, to the lienholders.
[01:06:19.000 --> 01:06:22.000]  I forgot who told me that, that was going on.
[01:06:22.000 --> 01:06:32.000]  I don't know if it, I actually, I had to research that to find the account in New York, and I found it.
[01:06:32.000 --> 01:06:38.000]  And I actually talked to the bank, and I said, I said, you need to release those funds.
[01:06:38.000 --> 01:06:43.000]  I said, if you don't, I'm going to go to the authorities with this, and I'll tell the homeowner about it.
[01:06:43.000 --> 01:06:44.000]  And it wasn't long.
[01:06:44.000 --> 01:06:48.000]  And see, they had an inspector that Chase had that was going to come out.
[01:06:48.000 --> 01:06:55.000]  And this guy, he released, it was like $24,000 they were supposed to release as a final draw,
[01:06:55.000 --> 01:06:58.000]  because there were three checks of $24,000.
[01:06:58.000 --> 01:07:00.000]  And I mean, they released it.
[01:07:00.000 --> 01:07:05.000]  I talked to the inspector, and he said, if you promise everything's done, I said, it's done.
[01:07:05.000 --> 01:07:09.000]  We need, I need the money, because I need to get paid.
[01:07:09.000 --> 01:07:14.000]  And he said, okay, based off your word, I'll release it.
[01:07:14.000 --> 01:07:17.000]  And we got that check in three days.
[01:07:17.000 --> 01:07:21.000]  He overnighted it.
[01:07:21.000 --> 01:07:23.000]  Caught his attention, huh?
[01:07:23.000 --> 01:07:24.000]  Yeah, I got it.
[01:07:24.000 --> 01:07:26.000]  I was so pissed.
[01:07:26.000 --> 01:07:28.000]  I'm upset.
[01:07:28.000 --> 01:07:30.000]  There you go.
[01:07:30.000 --> 01:07:31.000]  I'm sorry.
[01:07:31.000 --> 01:07:34.000]  I was so upset at what was going on.
[01:07:34.000 --> 01:07:36.000]  But, you know, we got through the whole mess.
[01:07:36.000 --> 01:07:43.000]  I mean, the lady, there is so much pain when the last adjuster and the insurance company,
[01:07:43.000 --> 01:07:46.000]  on the other hand, had went through 15 adjusters.
[01:07:46.000 --> 01:07:48.000]  They were just wearing her out.
[01:07:48.000 --> 01:07:50.000]  And I told her, I said, that's it.
[01:07:50.000 --> 01:07:52.000]  Get an attorney now, when the last adjuster works out.
[01:07:52.000 --> 01:07:57.000]  And the last adjuster that comes in on these claims, they're going to hatch it now,
[01:07:57.000 --> 01:08:01.000]  because he's going to do everything he can.
[01:08:01.000 --> 01:08:02.000]  Yep.
[01:08:02.000 --> 01:08:04.000]  Boggashop enters throughs the same way.
[01:08:04.000 --> 01:08:07.000]  Well, he said, he said, I'm not going to pay $85,000.
[01:08:07.000 --> 01:08:10.000]  I said, you want me to diminish the claim?
[01:08:10.000 --> 01:08:18.000]  And so, nevertheless, you know, I've dealt with so many of these.
[01:08:18.000 --> 01:08:23.000]  But the mortgage companies are the worst to deal with on these situations,
[01:08:23.000 --> 01:08:26.000]  because they don't like to release the money.
[01:08:26.000 --> 01:08:28.000]  It's because they're making money off of it.
[01:08:28.000 --> 01:08:32.000]  Well, unless you're pushing, you have to be demanding.
[01:08:32.000 --> 01:08:33.000]  Yeah.
[01:08:33.000 --> 01:08:38.000]  And it sounds to me like it knows who to speak to at the mortgage company.
[01:08:38.000 --> 01:08:44.000]  So, Troy, did we get your issue hammered out?
[01:08:44.000 --> 01:08:46.000]  Yeah.
[01:08:46.000 --> 01:08:52.000]  I understand completely what Larry there is talking about.
[01:08:52.000 --> 01:08:56.000]  What he represented there was pretty much exactly what I went through.
[01:08:56.000 --> 01:09:02.000]  And I tried to hammer them to get them to release the funds
[01:09:02.000 --> 01:09:05.000]  so I could get my house payment back current.
[01:09:05.000 --> 01:09:08.000]  And, of course, they just held the money and made money off of that
[01:09:08.000 --> 01:09:19.000]  until I was in default and they collected the insurance on the mortgage insurance.
[01:09:19.000 --> 01:09:21.000]  Okay.
[01:09:21.000 --> 01:09:28.000]  And then about, you know, it took them until April to get all this done to me.
[01:09:28.000 --> 01:09:38.000]  But fortunately, I was in a position where I could make up the money to cure my loan.
[01:09:38.000 --> 01:09:40.000]  But that's precisely what they did to me.
[01:09:40.000 --> 01:09:48.000]  And I feel pretty sad for somebody who wouldn't be as fortunate as I was to be able to cure that.
[01:09:48.000 --> 01:09:50.000]  Sure. Sure.
[01:09:50.000 --> 01:09:53.000]  Well, let me ask that real quick.
[01:09:53.000 --> 01:09:56.000]  Troy, how much do they owe you?
[01:09:56.000 --> 01:09:59.000]  How much was the insurance check?
[01:09:59.000 --> 01:10:05.000]  The insurance check was approximately, it was a little over $20,000.
[01:10:05.000 --> 01:10:07.000]  $20,000. They got a little damage there.
[01:10:07.000 --> 01:10:09.000]  Okay.
[01:10:09.000 --> 01:10:11.000]  I want to talk to you out there also.
[01:10:11.000 --> 01:10:17.000]  But how much did the insurance company send you?
[01:10:17.000 --> 01:10:25.000]  The first check was, if my recollection is correct, I think it was $3,500.
[01:10:25.000 --> 01:10:31.000]  It wasn't enough money to even pay for the material to repair my home.
[01:10:31.000 --> 01:10:33.000]  No, they were supposed to give you a third of that money.
[01:10:33.000 --> 01:10:35.000]  They're not supposed to pocket that money.
[01:10:35.000 --> 01:10:41.000]  And another thing, too, is how much do they owe you out of that $20,000 right now?
[01:10:41.000 --> 01:10:46.000]  They paid you, what, $11,000?
[01:10:46.000 --> 01:10:50.000]  Actually, Larry, by the end of when it was all said and done,
[01:10:50.000 --> 01:10:55.000]  by the time I was already into the foreclosure process,
[01:10:55.000 --> 01:11:00.000]  the mortgage company was the ones holding the money, not the insurance company.
[01:11:00.000 --> 01:11:03.000]  Yeah, I know. I know.
[01:11:03.000 --> 01:11:09.000]  Two days, how much have they paid you?
[01:11:09.000 --> 01:11:12.000]  I believe that, I'll have to check my records,
[01:11:12.000 --> 01:11:15.000]  but I believe that they paid me the full amount through the insurance company
[01:11:15.000 --> 01:11:17.000]  for the damage on my home.
[01:11:17.000 --> 01:11:22.000]  Well, wait a minute. My understanding was they did not pay.
[01:11:22.000 --> 01:11:28.000]  What the insurance companies think you was for labor and material, okay?
[01:11:28.000 --> 01:11:29.000]  Okay.
[01:11:29.000 --> 01:11:35.000]  So if you sent that check over to the mortgage company, a $20,000 check,
[01:11:35.000 --> 01:11:43.000]  and they cut you funds back, I think you mentioned that they only paid you for materials.
[01:11:43.000 --> 01:11:47.000]  No, they didn't even give me enough money for the materials in the first check.
[01:11:47.000 --> 01:11:53.000]  Well, I know that, but at this point in time, have they paid you everything?
[01:11:53.000 --> 01:11:58.000]  They paid me everything that the insurance company allowed, yes.
[01:11:58.000 --> 01:12:06.000]  Okay, so you received the $20,000 from the mortgage company at this point?
[01:12:06.000 --> 01:12:07.000]  Yes.
[01:12:07.000 --> 01:12:12.000]  Okay. Well, that's good.
[01:12:12.000 --> 01:12:14.000]  I mean, there's no point. I don't know.
[01:12:14.000 --> 01:12:18.000]  What else? If they paid you everything, I don't know what else.
[01:12:18.000 --> 01:12:23.000]  If they paid you $20,000, I don't know what else they would owe you.
[01:12:23.000 --> 01:12:26.000]  Yeah, it sounds to me like you've been made whole.
[01:12:26.000 --> 01:12:34.000]  Hey, guys, let's put another kink in this and bring another gentleman into the roundtable.
[01:12:34.000 --> 01:12:38.000]  We've got a guy here, Randy in Texas, and he's an insurance adjuster.
[01:12:38.000 --> 01:12:40.000]  Hello, Randy. What do you got?
[01:12:40.000 --> 01:12:46.000]  Yes, sir. Actually, I have been an insurance adjuster for the insurance industry,
[01:12:46.000 --> 01:12:51.000]  and I've been working in South Texas, and switch sides.
[01:12:51.000 --> 01:12:54.000]  I'm now a public insurance adjuster.
[01:12:54.000 --> 01:12:59.000]  That is an animal that you guys need to describe, because a public adjuster can help.
[01:12:59.000 --> 01:13:03.000]  They're designed to be the homeowner's personal adjuster.
[01:13:03.000 --> 01:13:05.000]  And when we deal with the insurance company...
[01:13:05.000 --> 01:13:07.000]  So you're an advocate.
[01:13:07.000 --> 01:13:09.000]  Go ahead. Come back.
[01:13:09.000 --> 01:13:11.000]  I see you're an advocate.
[01:13:11.000 --> 01:13:15.000]  Yes, sir. Yeah, I'm loving it, by the way.
[01:13:15.000 --> 01:13:22.000]  The situation in McAllen is everybody got paid for a roof, but the storm was so severe
[01:13:22.000 --> 01:13:29.000]  that it damaged brick, and it stacked hail up against the brick and damaged the top floors inside,
[01:13:29.000 --> 01:13:35.000]  which means those people down there have got about a third of what their policy actually covers.
[01:13:35.000 --> 01:13:47.000]  And so, anyway, the public insurance adjuster, he comes in and relates with the insurance company
[01:13:47.000 --> 01:13:53.000]  until they reach a stalemate, and then he has lawyers behind him if he's a good one.
[01:13:53.000 --> 01:13:59.000]  And then the lawyers take his folder, but it becomes governed,
[01:13:59.000 --> 01:14:08.000]  and you would be amazed at the difference in the payout once you get somebody on your side.
[01:14:08.000 --> 01:14:13.000]  And I have heard that it is so inconsistent about people trying to say,
[01:14:13.000 --> 01:14:17.000]  well, I did this to them, and they finally did that.
[01:14:17.000 --> 01:14:19.000]  It varies so widely.
[01:14:19.000 --> 01:14:25.000]  There's one company that I used to, when I was a roofer, all you had to do was just keep calling them
[01:14:25.000 --> 01:14:31.000]  until you would get a different desk adjuster each time until somebody agreed with you.
[01:14:31.000 --> 01:14:36.000]  But there's a lot of unfairness in there.
[01:14:36.000 --> 01:14:39.000]  It sounds like you're calling loss mitigation.
[01:14:39.000 --> 01:14:46.000]  Yes. The public insurance adjuster's job is to dig into the letter of the policy
[01:14:46.000 --> 01:14:50.000]  and hold them to things that they do not normally pay for.
[01:14:50.000 --> 01:14:57.000]  All roofs in Texas, they owe 20 percent overhead in profit on top of their claim,
[01:14:57.000 --> 01:15:01.000]  which is rarely paid if it's just the roofs.
[01:15:01.000 --> 01:15:10.000]  But the thing about the South Texas storm is it has all the earmarks of a manmade storm
[01:15:10.000 --> 01:15:16.000]  and almost a border, a homeland security project to see what kind of hail
[01:15:16.000 --> 01:15:20.000]  that could rain down on the border, and they did a very good job of it.
[01:15:20.000 --> 01:15:22.000]  It was an hour-long hail storm.
[01:15:22.000 --> 01:15:32.000]  And the issue that I see is I think that these insurance companies realized that it was not an act of God
[01:15:32.000 --> 01:15:39.000]  and that when you get down to the argument on them, it's like, guys, you know,
[01:15:39.000 --> 01:15:44.000]  you really don't owe them anything because it was a manmade storm.
[01:15:44.000 --> 01:15:46.000]  Are you talking about HAARP?
[01:15:46.000 --> 01:15:52.000]  Yeah. Well, there's a HAARP facility south of Bend Bowl, Texas, 90 miles from there,
[01:15:52.000 --> 01:15:56.000]  and they have had storms blow up.
[01:15:56.000 --> 01:16:01.000]  This year they had one in Benavides that knocked all the windows out with baseball-sized hail,
[01:16:01.000 --> 01:16:03.000]  and then it just dissipated.
[01:16:03.000 --> 01:16:05.000]  It was right down the road from this facility,
[01:16:05.000 --> 01:16:12.000]  and I have a real strong feeling that that played a part in this storm in 2012.
[01:16:12.000 --> 01:16:16.000]  I've talked to some helicopter pilots for the Border Patrol down there that said,
[01:16:16.000 --> 01:16:18.000]  yeah, we can't fly over that facility.
[01:16:18.000 --> 01:16:19.000]  I said, why not?
[01:16:19.000 --> 01:16:22.000]  And he says, because there's so much energy being pushed into the upper atmosphere,
[01:16:22.000 --> 01:16:25.000]  it will knock our helicopters down.
[01:16:25.000 --> 01:16:31.000]  And I firmly believe that they controlled the jet stream with these.
[01:16:31.000 --> 01:16:35.000]  The guy went on to tell me that they have one outside of San Antonio
[01:16:35.000 --> 01:16:38.000]  and one outside of Houston that they can't fly over.
[01:16:38.000 --> 01:16:45.000]  Gentlemen, I hear the music in the background. We're going to break 512-646-1984
[01:16:45.000 --> 01:16:47.000]  is the number to dial.
[01:16:47.000 --> 01:16:48.000]  And Sharon, I see you there.
[01:16:48.000 --> 01:16:52.000]  We'll get back to you when we're through beating up the insurance companies,
[01:16:52.000 --> 01:16:55.000]  and we'll be right back, fellas.
[01:16:55.000 --> 01:17:00.000]  I'm going to mute you, and we'll see you on the other side of this break.
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[01:19:24.000 --> 01:19:49.000]  And we're back on Rule of Law Radio, folks.
[01:19:49.000 --> 01:19:54.000]  512-646-1984 is the number to dial.
[01:19:54.000 --> 01:19:59.000]  And we've stepped outside the protocol of the show for a roundtable,
[01:19:59.000 --> 01:20:03.000]  and tonight we're talking, actually right now,
[01:20:03.000 --> 01:20:09.000]  we're talking about the relationships between insurance companies, homeowners, and lien holders.
[01:20:09.000 --> 01:20:15.000]  And on the line we've got Larry in Texas, who's knowledgeable here,
[01:20:15.000 --> 01:20:19.000]  Troy in Colorado, who sounds kind of like a victim,
[01:20:19.000 --> 01:20:25.000]  and Randy in Texas, who either is or has worked as an insurance adjuster.
[01:20:25.000 --> 01:20:35.000]  And, gentlemen, you were talking about, I forget what part of the border you're talking about,
[01:20:35.000 --> 01:20:48.000]  you've got a bunch of scalar waves and whatnot in the sky and this torrential hour-long hailstorm
[01:20:48.000 --> 01:20:54.000]  covering up the bottom floor of houses, seeming to be a man-made or a man-created storm.
[01:20:54.000 --> 01:20:56.000]  It wouldn't surprise me a bit.
[01:20:56.000 --> 01:21:02.000]  I've watched a video online that's available for free called Angels Don't Play This Harp,
[01:21:02.000 --> 01:21:06.000]  narrated primarily by Dr. Nick Begich.
[01:21:06.000 --> 01:21:08.000]  Great video.
[01:21:08.000 --> 01:21:17.000]  Yeah, Dr. Begich puts forth a very plausible narration on Angels Don't Play This Harp.
[01:21:17.000 --> 01:21:27.000]  So anybody that's got questions or wants to poo-poo the thought of man-made or man-assisted storms,
[01:21:27.000 --> 01:21:34.000]  go check out Angels Don't Play This Harp, H-A-A-R-P.
[01:21:34.000 --> 01:21:41.000]  And it will bring you, if you've got at least a crack in the door in your mind,
[01:21:41.000 --> 01:21:44.000]  it will bring you about to another way of thinking about today's weather.
[01:21:44.000 --> 01:21:54.000]  But all that aside, Randy, what remedy would a homeowner have, you know,
[01:21:54.000 --> 01:22:00.000]  not necessarily in your professional opinion but in your experienced opinion,
[01:22:00.000 --> 01:22:07.000]  what remedy would a homeowner have outside of what Larry's put forth on the table?
[01:22:07.000 --> 01:22:13.000]  What remedy would they have with either the insurance company or the lien holder?
[01:22:13.000 --> 01:22:18.000]  Well, if there's a P.A. involved, a public adjuster and a lawyer,
[01:22:18.000 --> 01:22:23.000]  lawyers will get all those lien holders and that money gets released.
[01:22:23.000 --> 01:22:28.000]  But there's a lot that they can do.
[01:22:28.000 --> 01:22:32.000]  A lot of times these things settle without a lawyer with the P.A. involved.
[01:22:32.000 --> 01:22:38.000]  And the mortgage companies, once they know there's a P.A. on board,
[01:22:38.000 --> 01:22:41.000]  they know there's a lawyer right in his vicinity,
[01:22:41.000 --> 01:22:47.000]  and they tend to not drag their feet like they do in general.
[01:22:47.000 --> 01:22:54.000]  As a rooper, I had them wanting to do three inspections on a job that only took two days to do,
[01:22:54.000 --> 01:22:56.000]  to release the money.
[01:22:56.000 --> 01:23:01.000]  And basically your contractor needs to be able to talk to them and say,
[01:23:01.000 --> 01:23:04.000]  look, this job is going to happen in three days.
[01:23:04.000 --> 01:23:07.000]  You want a third and a third and a third.
[01:23:07.000 --> 01:23:11.000]  You know, you need to do two-thirds of them up front on the first inspection
[01:23:11.000 --> 01:23:13.000]  and a third on the back.
[01:23:13.000 --> 01:23:18.000]  They'll come back and say, well, actually the third thing is based on like a remodel
[01:23:18.000 --> 01:23:21.000]  where you're framing the house and doing everything.
[01:23:21.000 --> 01:23:26.000]  But they'll do that same formula on a roof, just a roof alone.
[01:23:26.000 --> 01:23:33.000]  But you do have a couple of lenders that repeatedly,
[01:23:33.000 --> 01:23:36.000]  every time you hear the name of this certain bank,
[01:23:36.000 --> 01:23:41.000]  you know that they're just going to hold that money and drag it out.
[01:23:41.000 --> 01:23:43.000]  It is there to finally make it.
[01:23:43.000 --> 01:23:45.000]  I'm going to take a guess.
[01:23:45.000 --> 01:23:51.000]  I don't want to mention any names, but is this bank's initials, Chase?
[01:23:51.000 --> 01:23:55.000]  Not as bad as the bank initials, WF.
[01:23:55.000 --> 01:23:56.000]  Gotcha.
[01:23:56.000 --> 01:23:57.000]  What about PNC?
[01:23:57.000 --> 01:23:59.000]  I don't know.
[01:23:59.000 --> 01:24:04.000]  Well, in a lot of the mortgage companies, if you have a mortgage company that is out of state,
[01:24:04.000 --> 01:24:08.000]  that can turn into a nightmare too because they, you know,
[01:24:08.000 --> 01:24:12.000]  people that have a mortgage company in Florida that live in Texas,
[01:24:12.000 --> 01:24:16.000]  they're going to need to have the money to pay the contractor.
[01:24:16.000 --> 01:24:21.000]  A lot of them, they say, well, just pay them first and then we'll pay you.
[01:24:21.000 --> 01:24:26.000]  So that makes it extremely hard for a local contractor
[01:24:26.000 --> 01:24:30.000]  or somebody that's trying to do the work themselves.
[01:24:30.000 --> 01:24:35.000]  But that's been something I've dealt with as a roofer for years.
[01:24:35.000 --> 01:24:39.000]  And when I went to McAllen with an adjuster license,
[01:24:39.000 --> 01:24:45.000]  the good thing about that was it makes all the insurance companies pay the same thing,
[01:24:45.000 --> 01:24:47.000]  you know, when they all vary.
[01:24:47.000 --> 01:24:50.000]  But when you're an adjuster, they pay the same thing.
[01:24:50.000 --> 01:24:54.000]  But being an insurance company adjuster did not help down there.
[01:24:54.000 --> 01:24:59.000]  They were using the language barrier, the culture problem, Hispanic culture,
[01:24:59.000 --> 01:25:03.000]  accepting everything and not questioning anything.
[01:25:03.000 --> 01:25:08.000]  So we constantly go back and let them know, look, you have another 50,000 coming.
[01:25:08.000 --> 01:25:13.000]  Your tile floors are damaged inside and your brick is damaged outside.
[01:25:13.000 --> 01:25:15.000]  They can't just pay for part of the tile.
[01:25:15.000 --> 01:25:21.000]  Most of the policies require that all the tile be changed if just a few are damaged.
[01:25:21.000 --> 01:25:24.000]  So it's a...
[01:25:24.000 --> 01:25:29.000]  It sounds to me like there's a better chance of an administrative remedy
[01:25:29.000 --> 01:25:33.000]  rather than resorting to the courts in a matter like this.
[01:25:33.000 --> 01:25:34.000]  Yeah.
[01:25:34.000 --> 01:25:36.000]  I mean, you always want to go that way with it.
[01:25:36.000 --> 01:25:40.000]  But if you're dealing with a PA that doesn't have attorneys,
[01:25:40.000 --> 01:25:44.000]  at least in the, you know, that he has been known to use,
[01:25:44.000 --> 01:25:47.000]  they'll treat you like a dog with no teeth, you know.
[01:25:47.000 --> 01:25:51.000]  They run right over you if they realize that you don't have...
[01:25:51.000 --> 01:25:56.000]  You're not dealing with a PA that's going to send attorneys over, you know,
[01:25:56.000 --> 01:25:58.000]  if they don't toe the line.
[01:25:58.000 --> 01:26:02.000]  But what does PA stand for?
[01:26:02.000 --> 01:26:04.000]  Public Adjuster.
[01:26:04.000 --> 01:26:10.000]  In Texas, there's 25,000 licensed insurance company adjusters
[01:26:10.000 --> 01:26:13.000]  and there's 700 public adjusters.
[01:26:13.000 --> 01:26:16.000]  And it's a public adjuster job to over...
[01:26:16.000 --> 01:26:20.000]  as like internal affairs there are out to judge
[01:26:20.000 --> 01:26:24.000]  and engrave the work of the insurance company adjuster.
[01:26:24.000 --> 01:26:27.000]  Sounds like you stay busy.
[01:26:27.000 --> 01:26:28.000]  Oh, yeah.
[01:26:28.000 --> 01:26:30.000]  We're real busy down there.
[01:26:30.000 --> 01:26:34.000]  All the way through next March will be two-year anniversary of that storm.
[01:26:34.000 --> 01:26:35.000]  Wow.
[01:26:35.000 --> 01:26:39.000]  So we can reopen those claims up until that time.
[01:26:39.000 --> 01:26:41.000]  And then you'll see us...
[01:26:41.000 --> 01:26:48.000]  You only see us at really bad storms, but it's very rewarding to do.
[01:26:48.000 --> 01:26:53.000]  And I realized after 15 years as a roofer that I left a lot of money on the tables,
[01:26:53.000 --> 01:26:57.000]  that those guys, you know, I allowed them to pay different amounts
[01:26:57.000 --> 01:26:59.000]  depending on which insurance company.
[01:26:59.000 --> 01:27:02.000]  And they all owe the same thing.
[01:27:02.000 --> 01:27:04.000]  The policies are basically the same.
[01:27:04.000 --> 01:27:06.000]  Yeah.
[01:27:06.000 --> 01:27:07.000]  Randy, I got a question.
[01:27:07.000 --> 01:27:09.000]  I really appreciate you all bringing the subject up.
[01:27:09.000 --> 01:27:14.000]  And it's just a great topic that people just don't know about.
[01:27:14.000 --> 01:27:16.000]  Randy, I got a question here too.
[01:27:16.000 --> 01:27:17.000]  Yes.
[01:27:17.000 --> 01:27:19.000]  Okay.
[01:27:19.000 --> 01:27:25.000]  When you're a public adjuster, I know what you do, and I've almost become one.
[01:27:25.000 --> 01:27:28.000]  I thought about doing it because I get tired of...
[01:27:28.000 --> 01:27:30.000]  Insurance company will come in.
[01:27:30.000 --> 01:27:34.000]  I'm pretty knowledgeable about it, and I get the money.
[01:27:34.000 --> 01:27:39.000]  But still, if you're a public adjuster and you work with an attorney like you say,
[01:27:39.000 --> 01:27:42.000]  you've got a lot of power.
[01:27:42.000 --> 01:27:45.000]  How long once you go in...
[01:27:45.000 --> 01:27:47.000]  Now, I've heard that it's 90 days.
[01:27:47.000 --> 01:27:48.000]  They've got to settle that thing.
[01:27:48.000 --> 01:27:52.000]  Is that true or how long?
[01:27:52.000 --> 01:27:53.000]  No.
[01:27:53.000 --> 01:27:56.000]  And that's the other thing is there are a couple of insurance companies out there
[01:27:56.000 --> 01:28:00.000]  that we tell people, hey, these guys are known to pay short.
[01:28:00.000 --> 01:28:04.000]  But once we get done with them, you'll love it because there's a lot of...
[01:28:04.000 --> 01:28:10.000]  There's a few of them that when you approach them as a PA, they settle quickly
[01:28:10.000 --> 01:28:16.000]  when they were absolutely slow and not paying very much previous.
[01:28:16.000 --> 01:28:22.000]  But the thing that I do that I don't want to get in the way of the contractor
[01:28:22.000 --> 01:28:26.000]  is, and most of the contractors just have to basically do the roof,
[01:28:26.000 --> 01:28:28.000]  is let him do the roof.
[01:28:28.000 --> 01:28:33.000]  Let that get done because they can drag these things out.
[01:28:33.000 --> 01:28:38.000]  One company with initials SF will go a year.
[01:28:38.000 --> 01:28:40.000]  They'll drag it out a year.
[01:28:40.000 --> 01:28:44.000]  And so when people are in a hurricane or a bad storm,
[01:28:44.000 --> 01:28:47.000]  go ahead and get your roof done.
[01:28:47.000 --> 01:28:49.000]  But wait.
[01:28:49.000 --> 01:28:54.000]  Come back after that and then you've got months of time to get the other parts
[01:28:54.000 --> 01:28:57.000]  of your collateral damage covered and paid for.
[01:28:57.000 --> 01:29:00.000]  Here's the other question.
[01:29:00.000 --> 01:29:02.000]  Larry, we've got one minute until we go to break.
[01:29:02.000 --> 01:29:04.000]  Just thought I'd let you know.
[01:29:04.000 --> 01:29:05.000]  Yeah.
[01:29:05.000 --> 01:29:09.000]  One other question, and Steve, I'd like, if it's okay, Randy,
[01:29:09.000 --> 01:29:11.000]  I'd like to talk to you off air.
[01:29:11.000 --> 01:29:12.000]  I really would.
[01:29:12.000 --> 01:29:13.000]  Oh, that'd be great.
[01:29:13.000 --> 01:29:14.000]  I'd be glad to.
[01:29:14.000 --> 01:29:18.000]  Can you get me his number or I'll give you my number?
[01:29:18.000 --> 01:29:20.000]  I'll see if I can make that happen.
[01:29:20.000 --> 01:29:21.000]  Okay.
[01:29:21.000 --> 01:29:22.000]  Make that happen.
[01:29:22.000 --> 01:29:24.000]  Try and make that happen for me too, Randy.
[01:29:24.000 --> 01:29:26.000]  You sound like a great intelligent man.
[01:29:26.000 --> 01:29:27.000]  Oh, man.
[01:29:27.000 --> 01:29:28.000]  Yeah.
[01:29:28.000 --> 01:29:29.000]  I'm here to talk.
[01:29:29.000 --> 01:29:30.000]  Yeah.
[01:29:30.000 --> 01:29:32.000]  Real quick on the 10 and 10.
[01:29:32.000 --> 01:29:34.000]  You know this as well as I do.
[01:29:34.000 --> 01:29:37.000]  On the insurance side, when I go in, I do this.
[01:29:37.000 --> 01:29:42.000]  On the roof, they say, we don't pay unless there's three or more trades.
[01:29:42.000 --> 01:29:43.000]  Well, that's right.
[01:29:43.000 --> 01:29:44.000]  Yeah, that's right.
[01:29:44.000 --> 01:29:45.000]  Right, right.
[01:29:45.000 --> 01:29:49.000]  Well, the law is that they're supposed to pay it on every single one,
[01:29:49.000 --> 01:29:53.000]  and you know and I know there's several insurance companies that do pay it.
[01:29:53.000 --> 01:29:54.000]  All right, hang on.
[01:29:54.000 --> 01:29:55.000]  We've got five seconds.
[01:29:55.000 --> 01:29:57.000]  We'll be right back on your side.
[01:29:57.000 --> 01:29:58.000]  Well, anyway.
[01:29:58.000 --> 01:30:03.000]  All right.
[01:30:03.000 --> 01:30:07.000]  In Africa, there's a tiny rat that would make a tasty snack for jackals
[01:30:07.000 --> 01:30:11.000]  and wild cats, but they won't touch him with a 10-foot pole.
[01:30:11.000 --> 01:30:13.000]  This is Dr. Cameron Albrecht, and after the break,
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[01:30:46.000 --> 01:30:50.000]  In northeastern Africa, tiny creatures called crested rats
[01:30:50.000 --> 01:30:53.000]  can walk safely among the most voracious predators.
[01:30:53.000 --> 01:30:57.000]  They're slow and easy to catch and apparently very appetizing.
[01:30:57.000 --> 01:30:58.000]  So how do they survive?
[01:30:58.000 --> 01:31:01.000]  With one of the most ingenious defenses in the animal kingdom,
[01:31:01.000 --> 01:31:06.000]  they chew the roots and bark of a toxic plant called the acocanthritri,
[01:31:06.000 --> 01:31:09.000]  then rub the saliva on a row of quills down their backs.
[01:31:09.000 --> 01:31:12.000]  When an enemy approaches, they expose their flanks invitingly.
[01:31:12.000 --> 01:31:16.000]  Predators either smell the poison in bolts or take a bite
[01:31:16.000 --> 01:31:18.000]  and soon fall dead from heart failure.
[01:31:18.000 --> 01:31:21.000]  The toxin you see comes from the poison arrow tree,
[01:31:21.000 --> 01:31:24.000]  the same one hunters once used to kill elephants.
[01:31:24.000 --> 01:31:26.000]  I'm Dr. Catherine Albrecht.
[01:31:26.000 --> 01:31:31.000]  More news and information at CatherineAlbrecht.com.
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[01:33:01.000 --> 01:33:04.000]  You are listening to the Logos Radio Network,
[01:33:04.000 --> 01:33:11.000]  logosradionetwork.com.
[01:33:11.000 --> 01:33:32.000]  Music
[01:33:32.000 --> 01:33:34.000]  Folks, we're back on Rule Law Radio.
[01:33:34.000 --> 01:33:36.000]  It's turning into a...
[01:33:36.000 --> 01:33:39.000]  I never thought we'd be matchmakers, but I'll tell you what,
[01:33:39.000 --> 01:33:42.000]  yeah, this is great getting people connected,
[01:33:42.000 --> 01:33:44.000]  getting things moving, shaking.
[01:33:44.000 --> 01:33:46.000]  Let's fight the beast, man.
[01:33:46.000 --> 01:33:49.000]  The only way to fight that beast is to starve it out.
[01:33:49.000 --> 01:33:53.000]  So let's go back to our roundtable session here,
[01:33:53.000 --> 01:33:57.000]  kind of improv to roundtable situation,
[01:33:57.000 --> 01:34:01.000]  and we're speaking with Larry in Texas,
[01:34:01.000 --> 01:34:04.000]  Troy in Colorado, and Randy in Texas.
[01:34:04.000 --> 01:34:10.000]  Gentlemen, has everybody got everybody else's number?
[01:34:10.000 --> 01:34:13.000]  Not yet.
[01:34:13.000 --> 01:34:15.000]  Okay.
[01:34:15.000 --> 01:34:18.000]  When we hang up from this call and go to Sharon in California,
[01:34:18.000 --> 01:34:22.000]  who I see there on the board patiently waiting,
[01:34:22.000 --> 01:34:26.000]  we'll get you guys to hang on in the background,
[01:34:26.000 --> 01:34:30.000]  and Chris can do his magic,
[01:34:30.000 --> 01:34:33.000]  and you guys can have each other's numbers,
[01:34:33.000 --> 01:34:36.000]  and Chris and Larry,
[01:34:36.000 --> 01:34:39.000]  I see your numbers here up on the board as well,
[01:34:39.000 --> 01:34:42.000]  and Joe wanted to make contact with you off air as well.
[01:34:42.000 --> 01:34:44.000]  Do you all mind?
[01:34:44.000 --> 01:34:46.000]  No, please do.
[01:34:46.000 --> 01:34:48.000]  I believe everybody's in agreement.
[01:34:48.000 --> 01:34:50.000]  All right, very good.
[01:34:50.000 --> 01:34:53.000]  Okay, have we beat this horse to death,
[01:34:53.000 --> 01:34:56.000]  or do we want to pound on it a little bit more?
[01:34:56.000 --> 01:34:58.000]  I got a little more to say.
[01:34:58.000 --> 01:35:00.000]  Okay.
[01:35:00.000 --> 01:35:03.000]  I'm a retired Austin firefighter, grew up in Austin.
[01:35:03.000 --> 01:35:05.000]  Let's start, sir.
[01:35:05.000 --> 01:35:08.000]  I started noticing these lines in the sky, you know.
[01:35:08.000 --> 01:35:10.000]  Chemtrails.
[01:35:10.000 --> 01:35:12.000]  The funny thing about it,
[01:35:12.000 --> 01:35:15.000]  and proof that they're not accidental,
[01:35:15.000 --> 01:35:19.000]  is they don't have them on the Rio Grande.
[01:35:19.000 --> 01:35:21.000]  They don't have them.
[01:35:21.000 --> 01:35:23.000]  Interesting.
[01:35:23.000 --> 01:35:26.000]  They're not out there, not flying over Mexican airspace with them.
[01:35:26.000 --> 01:35:29.000]  The air is better down there, I'm telling you.
[01:35:29.000 --> 01:35:33.000]  Well, you know, I've sat in the parking lot at several places,
[01:35:33.000 --> 01:35:37.000]  staring up at the sky and waiting for somebody to say something.
[01:35:37.000 --> 01:35:40.000]  And I'll say, well, you see this airplane right here,
[01:35:40.000 --> 01:35:42.000]  it's got a little bitty white tail behind it,
[01:35:42.000 --> 01:35:45.000]  but these two over here go from horizon to horizon.
[01:35:45.000 --> 01:35:47.000]  What do you make of that mess?
[01:35:47.000 --> 01:35:49.000]  Those are government planes.
[01:35:49.000 --> 01:35:51.000]  They've got their white with numbers on the tail.
[01:35:51.000 --> 01:35:54.000]  You can see them parked at the airport in San Antonio.
[01:35:54.000 --> 01:35:57.000]  Yeah, they're probably out here at Bergstrom as well.
[01:35:57.000 --> 01:36:02.000]  Their excuse here in Colorado is to make it snow more
[01:36:02.000 --> 01:36:06.000]  so that the ski industries can produce more money for the state.
[01:36:06.000 --> 01:36:08.000]  Yeah.
[01:36:08.000 --> 01:36:11.000]  They had a hurricane coming in through the Gulf one day,
[01:36:11.000 --> 01:36:13.000]  and I was at the beach down there,
[01:36:13.000 --> 01:36:16.000]  and I saw six of them flying parallel to the coast.
[01:36:16.000 --> 01:36:19.000]  That hurricane developed a dry side,
[01:36:19.000 --> 01:36:23.000]  and you could even see them on the radar when they shipped the chemtrails.
[01:36:23.000 --> 01:36:27.000]  But they did something to dry out that hurricane with chemtrails,
[01:36:27.000 --> 01:36:31.000]  but they don't fly them past the Rio Grande.
[01:36:31.000 --> 01:36:33.000]  Hmm.
[01:36:33.000 --> 01:36:34.000]  And I get back to Austin.
[01:36:34.000 --> 01:36:36.000]  I haven't been here in two months,
[01:36:36.000 --> 01:36:41.000]  and I've seen hundreds of things in the sky going.
[01:36:41.000 --> 01:36:45.000]  Checkerboard skies, yes, they're laid out like a grid.
[01:36:45.000 --> 01:36:47.000]  And I love it here, but you know what?
[01:36:47.000 --> 01:36:51.000]  I like being down there where that stuff's not raining down on me.
[01:36:51.000 --> 01:36:53.000]  Yeah.
[01:36:53.000 --> 01:36:54.000]  I want to help.
[01:36:54.000 --> 01:36:56.000]  I'd like to give you all numbers.
[01:36:56.000 --> 01:37:00.000]  I'm here to help anyone in the country.
[01:37:00.000 --> 01:37:03.000]  We just got back from Hawaii where they had a hail storm
[01:37:03.000 --> 01:37:05.000]  for the first time in 40 years.
[01:37:05.000 --> 01:37:06.000]  Wow.
[01:37:06.000 --> 01:37:10.000]  And so, yeah, there's public adjusters in every state.
[01:37:10.000 --> 01:37:12.000]  People need to utilize them.
[01:37:12.000 --> 01:37:14.000]  They are on your side.
[01:37:14.000 --> 01:37:15.000]  Good.
[01:37:15.000 --> 01:37:17.000]  That's good news.
[01:37:17.000 --> 01:37:21.000]  Okay, Larry, got anything in closing?
[01:37:21.000 --> 01:37:25.000]  No.
[01:37:25.000 --> 01:37:28.000]  I think Randy's pretty much covered it.
[01:37:28.000 --> 01:37:30.000]  He's correct in what he's saying.
[01:37:30.000 --> 01:37:34.000]  The insurance companies don't like the public adjusters
[01:37:34.000 --> 01:37:37.000]  because they interfere in the claim.
[01:37:37.000 --> 01:37:39.000]  That's your stopgap, brother.
[01:37:39.000 --> 01:37:41.000]  Check balance.
[01:37:41.000 --> 01:37:42.000]  Keep the balance.
[01:37:42.000 --> 01:37:44.000]  When you bring a public adjuster in,
[01:37:44.000 --> 01:37:48.000]  especially when they have attorneys in the background,
[01:37:48.000 --> 01:37:53.000]  these guys cringe because they know that they're going to have to pay this claim.
[01:37:53.000 --> 01:37:55.000]  It's like saying I brought Guido with me.
[01:37:55.000 --> 01:37:57.000]  You feel like paying up?
[01:37:57.000 --> 01:37:59.000]  Well, yeah, it's better than litigation.
[01:37:59.000 --> 01:38:01.000]  It costs a lot of money.
[01:38:01.000 --> 01:38:03.000]  Yeah, sure.
[01:38:03.000 --> 01:38:06.000]  And it's a lot less nerve-racking on folks like Troy.
[01:38:06.000 --> 01:38:12.000]  I'll tell you one thing that is very funny is these adjusters,
[01:38:12.000 --> 01:38:16.000]  they're all up, even the insurance company adjusters,
[01:38:16.000 --> 01:38:21.000]  you get them on to 9-11 and say, okay, you want to argue about what you think of 9-11.
[01:38:21.000 --> 01:38:26.000]  They all realized that that was bogus, too.
[01:38:26.000 --> 01:38:31.000]  So I love being able to present that in the scope of what I do for a living
[01:38:31.000 --> 01:38:34.000]  and fight for the truth.
[01:38:34.000 --> 01:38:35.000]  Good, good.
[01:38:35.000 --> 01:38:39.000]  We need more open minds and informed minds out there.
[01:38:39.000 --> 01:38:44.000]  There's an old saying that you cannot enslave an informed populace.
[01:38:44.000 --> 01:38:47.000]  So let's put our thinking caps on, folks.
[01:38:47.000 --> 01:38:50.000]  Troy, you got anything in closing, sir?
[01:38:50.000 --> 01:38:54.000]  No, I've just been listening to the show and I've got a ton of information.
[01:38:54.000 --> 01:38:58.000]  Good, and we've done our job.
[01:38:58.000 --> 01:38:59.000]  Excellent.
[01:38:59.000 --> 01:39:01.000]  I'm going to continue to listen.
[01:39:01.000 --> 01:39:08.000]  And Larry and Randy, both of you guys, I'd like to be able to talk to both of you offline.
[01:39:08.000 --> 01:39:14.000]  If you guys will, I'm going to mute you and go to Sharon in California,
[01:39:14.000 --> 01:39:18.000]  if none of you have anything else to add, and stay there,
[01:39:18.000 --> 01:39:21.000]  and Chris will disperse those numbers.
[01:39:21.000 --> 01:39:23.000]  Ten-four.
[01:39:23.000 --> 01:39:28.000]  Well, he's earning his dinner tonight, and I'll tell you what.
[01:39:28.000 --> 01:39:32.000]  Well, gentlemen, if we're all in agreement, I'll go ahead and mute you,
[01:39:32.000 --> 01:39:34.000]  and we'll go to California.
[01:39:34.000 --> 01:39:36.000]  Thank you.
[01:39:36.000 --> 01:39:38.000]  Thank you all for calling in.
[01:39:38.000 --> 01:39:40.000]  Appreciate it.
[01:39:40.000 --> 01:39:43.000]  Okay.
[01:39:43.000 --> 01:39:45.000]  There we go.
[01:39:45.000 --> 01:39:49.000]  Sharon in California, I'm sorry that took so long, dear, and I do appreciate you hanging on.
[01:39:49.000 --> 01:39:51.000]  What do you got for us tonight?
[01:39:51.000 --> 01:39:53.000]  Well, I do have a comment, too, about those chemtrails.
[01:39:53.000 --> 01:39:55.000]  We have them here in California.
[01:39:55.000 --> 01:39:56.000]  I see them.
[01:39:56.000 --> 01:39:58.000]  They grow in Berserk out here.
[01:39:58.000 --> 01:40:00.000]  They're up here.
[01:40:00.000 --> 01:40:05.000]  Every day I see them going back and forth, and the weather has changed.
[01:40:05.000 --> 01:40:10.000]  Right now it's kind of warm, but a couple days ago it was raining,
[01:40:10.000 --> 01:40:15.000]  so it's really doing, you know, and people do act different
[01:40:15.000 --> 01:40:18.000]  with these chemtrails going back and forth.
[01:40:18.000 --> 01:40:19.000]  You can really tell.
[01:40:19.000 --> 01:40:23.000]  A lot of people will not believe in them, though, and I pointed out,
[01:40:23.000 --> 01:40:27.000]  and they go, no, they're just planes, but they're not chemtrails.
[01:40:27.000 --> 01:40:31.000]  They're the contrails, and, you know, sometimes...
[01:40:31.000 --> 01:40:32.000]  Yeah, you better hurry home.
[01:40:32.000 --> 01:40:35.000]  You don't want to miss that episode of Dances with the Stars.
[01:40:35.000 --> 01:40:39.000]  Yeah, it's just amazing, but if they look up there, you know, they'll see them.
[01:40:39.000 --> 01:40:41.000]  You can't miss them.
[01:40:41.000 --> 01:40:43.000]  And then the sky is starting to turn.
[01:40:43.000 --> 01:40:47.000]  When the sun goes down, the sky is red, so...
[01:40:47.000 --> 01:40:48.000]  Yeah.
[01:40:48.000 --> 01:40:49.000]  Yeah, they're putting in there.
[01:40:49.000 --> 01:40:52.000]  So, but I wanted to talk about my...
[01:40:52.000 --> 01:40:59.000]  I have a home loan, and it originated with the original lender was Lehman Brothers,
[01:40:59.000 --> 01:41:05.000]  and there was a...and I was doing some research on PACER,
[01:41:05.000 --> 01:41:08.000]  and I was looking at some of the assignments of Deed of Trust
[01:41:08.000 --> 01:41:11.000]  on some of these other cases that are on PACER,
[01:41:11.000 --> 01:41:14.000]  and I've noticed that they were...
[01:41:14.000 --> 01:41:18.000]  It says they hereby grant, assign, and transfer,
[01:41:18.000 --> 01:41:22.000]  and they always have the person that's doing this transfer
[01:41:22.000 --> 01:41:27.000]  is usually the securitized loan.
[01:41:27.000 --> 01:41:31.000]  It has, you know, the PACER certificate series,
[01:41:31.000 --> 01:41:33.000]  and they'll go on and say what that is.
[01:41:33.000 --> 01:41:38.000]  I've noticed on mine, I have a corporate assignment of the Deed of Trust.
[01:41:38.000 --> 01:41:43.000]  Mine doesn't do that, and although I found out that my loan has been securitized,
[01:41:43.000 --> 01:41:50.000]  mine says that it was from Merz as a nominee for Lehman Brothers,
[01:41:50.000 --> 01:41:55.000]  but it doesn't say anything about the securitized loan.
[01:41:55.000 --> 01:41:59.000]  It doesn't even mention it in my assignment of trustees.
[01:41:59.000 --> 01:42:04.000]  Okay. Was Lehman Brothers your lender?
[01:42:04.000 --> 01:42:06.000]  It was my lender, yes.
[01:42:06.000 --> 01:42:11.000]  Okay. So the assignment is to Lehman Brothers from Merz, correct?
[01:42:11.000 --> 01:42:15.000]  The assignment is from...it's from mortgage...
[01:42:15.000 --> 01:42:18.000]  Or from Merz to Lehman Brothers, correct?
[01:42:18.000 --> 01:42:20.000]  No, it's actually to Aurora.
[01:42:20.000 --> 01:42:27.000]  It's from mortgage...it's from Merz as nominee for Lehman Brothers to Aurora Loan.
[01:42:27.000 --> 01:42:33.000]  All right. You're probably with the GSC, I'll tell you right now.
[01:42:33.000 --> 01:42:37.000]  And this was done in...of course it was done way after that.
[01:42:37.000 --> 01:42:41.000]  You know, Lehman Brothers was in bankruptcy in 2008.
[01:42:41.000 --> 01:42:44.000]  This assignment of the Deed of Trust was in 2008.
[01:42:44.000 --> 01:42:45.000]  Correct.
[01:42:45.000 --> 01:42:48.000]  That was prior to them going...being absorbed by B of A.
[01:42:48.000 --> 01:42:52.000]  All right. What happens is that if you're with the GSC,
[01:42:52.000 --> 01:42:59.000]  government-sponsored enterprises, being either Freddie Mac, Fannie Mae, or Ginnie Mae,
[01:42:59.000 --> 01:43:05.000]  they do an assignment to the servicer, and then the servicer comes forth as plaintiff.
[01:43:05.000 --> 01:43:12.000]  And then the servicer claims that they're acting on behalf of the holder of the note.
[01:43:12.000 --> 01:43:16.000]  Have you checked to see if your loan was listed with the GSC?
[01:43:16.000 --> 01:43:21.000]  Have you gone to the Fannie Mae website or the Freddie Mac website
[01:43:21.000 --> 01:43:26.000]  and seen if they were claiming interest on your mortgage loan?
[01:43:26.000 --> 01:43:28.000]  No.
[01:43:28.000 --> 01:43:32.000]  Okay. That's something that you can do.
[01:43:32.000 --> 01:43:34.000]  It'll probably take you 10 minutes.
[01:43:34.000 --> 01:43:35.000]  Oh, okay.
[01:43:35.000 --> 01:43:37.000]  I'll tell you, we're getting ready to go to break.
[01:43:37.000 --> 01:43:40.000]  When we come back, I'll talk to you a little bit more about this.
[01:43:40.000 --> 01:43:41.000]  Okay.
[01:43:41.000 --> 01:43:46.000]  This is Joe Esquivel, Steve Skidmore, World of Law Radio.
[01:43:46.000 --> 01:43:49.000]  We'll be back in a few minutes.
[01:43:49.000 --> 01:43:54.000]  Remember to call us 512-646-1984 if you had enough time, buddy.
[01:43:54.000 --> 01:43:56.000]  Thank you.
[01:43:56.000 --> 01:44:00.000]  We'll be right back, folks. See you on the other side of this break.
[01:44:00.000 --> 01:44:04.000]  You feel tired when talking about important topics like money and politics?
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[01:46:26.000 --> 01:46:51.000]  Hi, this is Joe Esquivel, Steve Skidmore with Rule of Law Radio,
[01:46:51.000 --> 01:46:54.000]  and we're back talking to Sharon.
[01:46:54.000 --> 01:46:58.000]  And before we go back to Sharon, just I see Larry in Texas
[01:46:58.000 --> 01:47:00.000]  and Troy in Colorado still hanging on the line.
[01:47:00.000 --> 01:47:04.000]  Guys, Randy is trying to call you now,
[01:47:04.000 --> 01:47:08.000]  so go ahead and hang up and take his call.
[01:47:08.000 --> 01:47:11.000]  And by the way, Larry, I just sent you Skype with Randy's number.
[01:47:11.000 --> 01:47:16.000]  So with no further ado, we'll go back to Sharon in California.
[01:47:16.000 --> 01:47:18.000]  And, Sharon, I'm sorry for that interruption.
[01:47:18.000 --> 01:47:19.000]  That's okay.
[01:47:19.000 --> 01:47:24.000]  Okay, Sharon, just based on the information that you've given me,
[01:47:24.000 --> 01:47:28.000]  I'd be willing to bet that you're probably in a GSC.
[01:47:28.000 --> 01:47:31.000]  What was the amount of your loan?
[01:47:31.000 --> 01:47:35.000]  It was $650,000.
[01:47:35.000 --> 01:47:37.000]  Oh, right, so now that's a jumbo.
[01:47:37.000 --> 01:47:40.000]  That wouldn't be.
[01:47:40.000 --> 01:47:43.000]  Where are you in the foreclosure process?
[01:47:43.000 --> 01:47:47.000]  There's a trustee sale date.
[01:47:47.000 --> 01:47:49.000]  Okay.
[01:47:49.000 --> 01:47:52.000]  How far out?
[01:47:52.000 --> 01:47:53.000]  Read my mind.
[01:47:53.000 --> 01:47:56.000]  November 25th.
[01:47:56.000 --> 01:47:57.000]  Okay.
[01:47:57.000 --> 01:48:05.000]  One of the things that I would do is I would take a look at your documents to see,
[01:48:05.000 --> 01:48:10.000]  one, the party coming forth with the claim of being peak,
[01:48:10.000 --> 01:48:13.000]  person entitled to enforce.
[01:48:13.000 --> 01:48:15.000]  Who was that party?
[01:48:15.000 --> 01:48:18.000]  Nation Star.
[01:48:18.000 --> 01:48:20.000]  Oh.
[01:48:20.000 --> 01:48:21.000]  Okay.
[01:48:21.000 --> 01:48:24.000]  That struck a nerve on this end.
[01:48:24.000 --> 01:48:25.000]  Bank of America.
[01:48:25.000 --> 01:48:26.000]  Yeah.
[01:48:26.000 --> 01:48:28.000]  Okay.
[01:48:28.000 --> 01:48:29.000]  I'll tell you what.
[01:48:29.000 --> 01:48:35.000]  If you'd like to send me your documents, I'll take a quick look at them.
[01:48:35.000 --> 01:48:36.000]  Okay.
[01:48:36.000 --> 01:48:45.000]  And you can just send them to info, I-N-F-O.
[01:48:45.000 --> 01:48:46.000]  Okay.
[01:48:46.000 --> 01:48:49.000]  At mortgagecomplianceinvestigators.com.
[01:48:49.000 --> 01:48:50.000]  Okay.
[01:48:50.000 --> 01:48:51.000]  And just put attention.
[01:48:51.000 --> 01:48:58.000]  Joe, please review docs in the subject line.
[01:48:58.000 --> 01:49:00.000]  And just leave me your contact information.
[01:49:00.000 --> 01:49:06.000]  I'll take a quick peek at them, and I'll let you know, you know, if we can locate where it's at,
[01:49:06.000 --> 01:49:09.000]  and then we can just take it from there.
[01:49:09.000 --> 01:49:14.000]  Do you want all the documents that I got from the counter recorder?
[01:49:14.000 --> 01:49:16.000]  You know, that would be really helpful.
[01:49:16.000 --> 01:49:18.000]  Yeah, I got all those.
[01:49:18.000 --> 01:49:22.000]  Include a copy of your note in deed of trust.
[01:49:22.000 --> 01:49:26.000]  Let me ask about your note.
[01:49:26.000 --> 01:49:33.000]  In your closing documents, you will have a copy of the note as it existed on the day of closing.
[01:49:33.000 --> 01:49:40.000]  Do you have in your possession a copy of the note as it exists today?
[01:49:40.000 --> 01:49:45.000]  Well, they had, actually, I did a qualified written request to both Aurora and NationStar.
[01:49:45.000 --> 01:49:47.000]  Good.
[01:49:47.000 --> 01:49:50.000]  And they sent me something where there was a stamp on.
[01:49:50.000 --> 01:49:51.000]  Perfect.
[01:49:51.000 --> 01:49:53.000]  Oh, that is even better.
[01:49:53.000 --> 01:49:55.000]  I would love to see that as well.
[01:49:55.000 --> 01:49:57.000]  Okay.
[01:49:57.000 --> 01:50:03.000]  Because it's probably going to say, pay to the order of with an as of yet unnamed R.D.
[01:50:03.000 --> 01:50:05.000]  Right.
[01:50:05.000 --> 01:50:07.000]  It will be signed by somebody, though.
[01:50:07.000 --> 01:50:09.000]  There is a signature on it.
[01:50:09.000 --> 01:50:11.000]  Well, the signature is at the bottom.
[01:50:11.000 --> 01:50:12.000]  Right.
[01:50:12.000 --> 01:50:18.000]  Well, it's in that same, it's whatever you just said with a signature on it.
[01:50:18.000 --> 01:50:28.000]  All right. Well, does it say pay to the order of and then on that line is that line filled in with a name?
[01:50:28.000 --> 01:50:32.000]  Is there an identified party and an identified payee?
[01:50:32.000 --> 01:50:35.000]  I don't think I have it right in front of me because I do have it around here.
[01:50:35.000 --> 01:50:37.000]  I don't remember what it says.
[01:50:37.000 --> 01:50:38.000]  That's okay.
[01:50:38.000 --> 01:50:39.000]  Yeah.
[01:50:39.000 --> 01:50:40.000]  Go ahead and close that.
[01:50:40.000 --> 01:50:41.000]  Okay.
[01:50:41.000 --> 01:50:58.000]  The majority of the time being like ninety nine point nine percent of the time, what they claim to have happened and what has happened are two entirely different things.
[01:50:58.000 --> 01:51:07.000]  They would lead you to believe that all of the statutory requirements of law pursuant to California Civil Code have been followed.
[01:51:07.000 --> 01:51:12.000]  And in fact, they have not.
[01:51:12.000 --> 01:51:23.000]  And you as a homeowner are left to believe what they tell you because they're the financial institution.
[01:51:23.000 --> 01:51:26.000]  They're the ones with all of this information.
[01:51:26.000 --> 01:51:29.000]  They surely wouldn't lie to me.
[01:51:29.000 --> 01:51:30.000]  No.
[01:51:30.000 --> 01:51:52.000]  But this is the same party that wrote the unilateral contract for the security agreement that puts in the clause uncovered in 20, the note or a partial interest of the note together with the security and maybe so long or more times without the borrower, without notice to the borrower.
[01:51:52.000 --> 01:52:04.000]  They're the ones that put this verbiage within those contracts and the borrower, through a consciousness of innocence, signed that contract.
[01:52:04.000 --> 01:52:14.000]  They were a party to the contract, not knowing that that could not take place lawfully.
[01:52:14.000 --> 01:52:29.000]  And then after you signed it, they took this contract and they go and they record it at the country recorders office, showing that you signed it.
[01:52:29.000 --> 01:52:31.000]  When they tear it to pieces.
[01:52:31.000 --> 01:52:33.000]  Correct.
[01:52:33.000 --> 01:52:42.000]  So, definitely, go ahead and send me any documents you have, I will take a look at them, leave your contact, I'll get back to you.
[01:52:42.000 --> 01:52:44.000]  Okay.
[01:52:44.000 --> 01:52:46.000]  It'll at least let you know where you stand.
[01:52:46.000 --> 01:52:47.000]  Okay.
[01:52:47.000 --> 01:52:48.000]  Right.
[01:52:48.000 --> 01:52:49.000]  Yeah.
[01:52:49.000 --> 01:52:50.000]  Do you have any other questions?
[01:52:50.000 --> 01:52:51.000]  No.
[01:52:51.000 --> 01:52:52.000]  That should do it.
[01:52:52.000 --> 01:52:56.000]  I want to find out what's going on with this.
[01:52:56.000 --> 01:52:57.000]  I will definitely do that.
[01:52:57.000 --> 01:52:59.000]  I appreciate that.
[01:52:59.000 --> 01:53:00.000]  Certainly.
[01:53:00.000 --> 01:53:02.000]  It's what we're here for.
[01:53:02.000 --> 01:53:03.000]  Okay.
[01:53:03.000 --> 01:53:04.000]  Great.
[01:53:04.000 --> 01:53:05.000]  Thank you.
[01:53:05.000 --> 01:53:07.000]  Sharon, thank you very much for calling in tonight.
[01:53:07.000 --> 01:53:08.000]  You're welcome.
[01:53:08.000 --> 01:53:09.000]  Bye.
[01:53:09.000 --> 01:53:11.000]  Bye-bye.
[01:53:11.000 --> 01:53:13.000]  Well, folks, we're out of callers.
[01:53:13.000 --> 01:53:15.000]  I think we wrapped that up just right.
[01:53:15.000 --> 01:53:18.000]  Joe, we got roughly five and a half minutes.
[01:53:18.000 --> 01:53:20.000]  You got anything to close?
[01:53:20.000 --> 01:53:22.000]  I got it.
[01:53:22.000 --> 01:53:27.000]  Well, earlier we were talking about the account debtor.
[01:53:27.000 --> 01:53:44.000]  And one of the things that people need to have an understanding is what the account debtor does because the account debtor is wearing like three or four different hats.
[01:53:44.000 --> 01:53:57.000]  The account debtor is many times the lender that is named on the tangible promise every note.
[01:53:57.000 --> 01:54:00.000]  And again, it's a...
[01:54:00.000 --> 01:54:08.000]  He changes hats after the promise to pay has been stripped and it makes its way back through the remics.
[01:54:08.000 --> 01:54:09.000]  Is that correct?
[01:54:09.000 --> 01:54:11.000]  That's when he becomes the account debtor?
[01:54:11.000 --> 01:54:15.000]  He takes that intangible payment obligation, that promise to pay.
[01:54:15.000 --> 01:54:17.000]  The originator.
[01:54:17.000 --> 01:54:18.000]  Correct.
[01:54:18.000 --> 01:54:23.000]  The originator is the lender.
[01:54:23.000 --> 01:54:24.000]  Right.
[01:54:24.000 --> 01:54:25.000]  All right.
[01:54:25.000 --> 01:54:33.000]  Now, he takes that promise to pay and he creates an obligation based on that payment stream.
[01:54:33.000 --> 01:54:37.000]  And he sells that intangible obligation.
[01:54:37.000 --> 01:54:39.000]  That's what goes into the remic.
[01:54:39.000 --> 01:54:43.000]  That's what goes to eventually into the remic.
[01:54:43.000 --> 01:54:44.000]  Yes.
[01:54:44.000 --> 01:54:45.000]  Okay.
[01:54:45.000 --> 01:54:52.000]  Now, he packages it, the account debtor.
[01:54:52.000 --> 01:54:59.000]  Now, this is not a complete negotiable, tangible instrument.
[01:54:59.000 --> 01:55:09.000]  Well, if the transferor purports to transfer anything less than the entire instrument, negotiation does not occur.
[01:55:09.000 --> 01:55:12.000]  That's pursuant to 3.203.
[01:55:12.000 --> 01:55:13.000]  Right.
[01:55:13.000 --> 01:55:23.000]  But what the question needs to be is, did the account debtor follow all applicable governing laws to execute the purchase swap
[01:55:23.000 --> 01:55:30.000]  of future tangible receivable payments for the investors that were offering the certificate?
[01:55:30.000 --> 01:55:35.000]  Because what they did was they swapped.
[01:55:35.000 --> 01:55:37.000]  That's where the whoosh goes.
[01:55:37.000 --> 01:55:38.000]  Okay.
[01:55:38.000 --> 01:55:44.000]  Because there's two intangibles.
[01:55:44.000 --> 01:55:46.000]  And that's what people forget.
[01:55:46.000 --> 01:55:58.000]  This is why in bankruptcy court, when I had discharged my personal debt for the tangible promissory note,
[01:55:58.000 --> 01:56:08.000]  there was an intangible obligation that was created by the account debtor, which was created off that payment stream,
[01:56:08.000 --> 01:56:10.000]  which was sold to Fannie Mae.
[01:56:10.000 --> 01:56:11.000]  Gotcha.
[01:56:11.000 --> 01:56:20.000]  But Fannie Mae was not listed as payee on the tangible promissory note.
[01:56:20.000 --> 01:56:24.000]  Fannie Mae was not listed in public record.
[01:56:24.000 --> 01:56:41.000]  So now when Fannie Mae takes this intangible payment obligation that it has purchased and puts that into a pool containing thousands of other intangible payment obligations
[01:56:41.000 --> 01:56:53.000]  and puts that to the certificate holders for this trust which it has created, it can only go back to the account debtor should there be a default.
[01:56:53.000 --> 01:57:05.000]  So the certificate holders think that they have a properly secured mortgage-backed security when in fact they do not.
[01:57:05.000 --> 01:57:07.000]  Yeah, nothing of the sort.
[01:57:07.000 --> 01:57:22.000]  And to go back over to, okay, there's a difference between the note as it truly factually exists and the way that it legally exists.
[01:57:22.000 --> 01:57:28.000]  There's only one thing in that note that gives all that paper value, and that is the promise to pay.
[01:57:28.000 --> 01:57:36.000]  If you'll take white out, make a copy of your note, take white out, and find that promise to pay, that element, and rub it out.
[01:57:36.000 --> 01:57:39.000]  That's the way it legally exists.
[01:57:39.000 --> 01:57:49.000]  The paper itself lost all its value as soon as they stripped the value from it and sold it to a third party.
[01:57:49.000 --> 01:57:50.000]  Correct.
[01:57:50.000 --> 01:58:02.000]  Once the value is gone, that was everything because the debt was evidenced by the tangible promissory note.
[01:58:02.000 --> 01:58:07.000]  Right. And if there's no debt, then there's nothing to secure.
[01:58:07.000 --> 01:58:08.000]  No damage.
[01:58:08.000 --> 01:58:17.000]  Again, Carpenter v. Longin, if there's anything that the Texas courts at least are upholding in Carpenter v. Longin, is that the two are inseparable.
[01:58:17.000 --> 01:58:20.000]  That is the note and security instrument.
[01:58:20.000 --> 01:58:23.000]  So if you get rid of the underlying debt, you get rid of both of them.
[01:58:23.000 --> 01:58:26.000]  If you get rid of the deed of trust, you still got the underlying debt.
[01:58:26.000 --> 01:58:29.000]  So folks, that's going to wrap it up for tonight.
[01:58:29.000 --> 01:58:36.000]  I appreciate the opportunity to come on and help fly this thing tonight.
[01:58:36.000 --> 01:58:38.000]  Had a good time.
[01:58:38.000 --> 01:58:42.000]  I'd like to thank all the callers that we've had, and Joe, I appreciate your time.
[01:58:42.000 --> 01:58:50.000]  Folks, until next week, we'll see you till then. Have a nice weekend. Bye-bye.
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