[00:00.000 --> 00:07.840]  The following news flash is brought to you by the Lone Star Lowdown, providing your daily
[00:07.840 --> 00:14.200]  bulletins for the commodities market, today in history, news updates, and the inside scoop
[00:14.200 --> 00:23.100]  into the tides of the alternative.
[00:23.100 --> 00:27.400]  Markets for the 21st of May, 2015, gold opened up at $1,204.09.
[00:27.400 --> 00:34.440]  Silver, $17.12 now, Texas crude, $58.98 a barrel, and Bitcoin is currently sitting
[00:34.440 --> 00:42.600]  in about 236 U.S. currency.
[00:42.600 --> 00:47.680]  Today in history, Saturday, May 21st, 1932, Amelia Earhart lands in the field completing
[00:47.680 --> 00:50.480]  the first transatlantic solo flight by a woman.
[00:50.480 --> 00:53.760]  She set off the day before from Harbor Grace, Newfoundland, Canada.
[00:53.760 --> 00:58.400]  She was initially aiming for Paris in her single-engine Lockheed Vega 5B, but after
[00:58.400 --> 01:03.400]  encountering storms and a burnt exhaust pipe, she ended up landing in a pasture at Coolmore
[01:03.400 --> 01:12.560]  in Northern Ireland, ending her 14-hour, 56-minute flight.
[01:12.560 --> 01:17.160]  In recent news, Michael C. Ford, a State Department employee who has worked out at the U.S. Embassy
[01:17.160 --> 01:22.300]  in London since 2009, was arrested at Hartsfield, Jackson, Atlanta, International Airport this
[01:22.300 --> 01:26.880]  past Sunday and appeared in a federal court today for apparently using government computers
[01:26.880 --> 01:31.400]  to extort college-age women into gathering sexually-explosive material for him.
[01:31.400 --> 01:38.600]  He's also being charged with computer hacking and cyber-stalking.
[01:38.600 --> 01:42.440]  Cleanup crews have been hard at work picking up patches of crude petroleum off the beach
[01:42.440 --> 01:47.440]  and offshore waters from a pipeline that ruptured spewing as much as 2,500 barrels into San
[01:47.440 --> 01:52.440]  Refugio State Beach and into the Pacific Ocean west of Santa Barbara.
[01:52.440 --> 01:55.360]  This mess was caused when an underground pipeline running parallel to the coastal highway burst
[01:55.360 --> 01:57.360]  on Tuesday for no apparent reason.
[01:57.360 --> 02:02.200]  If estimates are correct, this makes it the biggest spill since the 1969 offshore oil
[02:02.200 --> 02:07.440]  well blowout that dumped 80,000 to 100,000 barrels of crude petroleum into the Santa
[02:07.440 --> 02:13.680]  Barbara Channel.
[02:13.680 --> 02:17.760]  Last night, 13 trillion electron volts were created at the four collision points spaced
[02:17.760 --> 02:19.980]  around the Large Hydrogen Collider's tunnel.
[02:19.980 --> 02:24.680]  The collider has been through a planned two-year refurbishing after its first run in 2012,
[02:24.680 --> 02:26.840]  which only produced eight trillion electron volts.
[02:26.840 --> 02:31.240]  In early April, after a slight delay, twin proton beams circulated the collider's seven-kilometer
[02:31.240 --> 02:35.360]  ring 30 stories below the Swiss-French border for the first time in two years.
[02:35.360 --> 02:37.280]  The first collisions began in early May.
[02:37.280 --> 02:41.320]  However, yesterday's collisions are treading into never-before-reached levels of energy,
[02:41.320 --> 02:44.000]  in effect setting a new energy record.
[02:44.000 --> 02:46.000]  The Lone Star Lowdown is currently looking for sponsors.
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[02:52.200 --> 03:21.680]  This has been your Lowdown for May 21, 2015.
[03:21.680 --> 03:28.640]  We are back, Randy Kelton, Wheel of Law Radio, here with Leslie in Pennsylvania.
[03:28.640 --> 03:32.680]  So Leslie, what is your plan of action?
[03:32.680 --> 03:33.680]  Yes.
[03:33.680 --> 03:34.680]  Okay.
[03:34.680 --> 03:37.480]  I'm preparing this research suit.
[03:37.480 --> 03:46.800]  I've got eight attorneys in it, three different law firms, the latest lender and nurse.
[03:46.800 --> 03:51.400]  And I'm going to put them all together and shake them up and see what comes out.
[03:51.400 --> 03:59.760]  I also put in like six different employees of the lender who prepared the assignment
[03:59.760 --> 04:06.920]  on mortgage and who signed various affidavits for the different lawsuits.
[04:06.920 --> 04:14.680]  And I have as claims, I have RIDCO, then in Pennsylvania they have PECO, which is the
[04:14.680 --> 04:15.680]  state action.
[04:15.680 --> 04:25.080]  Then I have FTPCA and PFPCDA claims.
[04:25.080 --> 04:35.520]  And I also have malicious civil action regarding the foreclosure.
[04:35.520 --> 04:45.640]  And I have a negligent, I have corrupt organization of, that's, what do you call it, corrupt organization
[04:45.640 --> 04:49.920]  is what they have, that's what they call it.
[04:49.920 --> 04:59.000]  And then I have conspiracy and Pennsylvania Code of Professional Conduct Violation and
[04:59.000 --> 05:07.520]  negligent and or intentional misrepresentation and negligent and or intentional infliction
[05:07.520 --> 05:13.600]  of emotional distress.
[05:13.600 --> 05:15.800]  And what about picking on a grandma?
[05:15.800 --> 05:21.120]  It has to be something on that.
[05:21.120 --> 05:26.800]  I was thinking that suit you sent me by the South Carolina clerk.
[05:26.800 --> 05:27.800]  Yes.
[05:27.800 --> 05:35.360]  What would be sent, since part of your claim is the filing of fraudulent documents with
[05:35.360 --> 05:43.560]  the public record, what would be the likelihood of you being able to get some clerks joining
[05:43.560 --> 05:52.120]  this suit when you have the North Carolina suit that's pretty well done all the work
[05:52.120 --> 05:56.840]  for them?
[05:56.840 --> 06:04.960]  In reading it earlier, it was clear they wrote this suit so that it's essentially generic.
[06:04.960 --> 06:11.920]  In places it speaks to South Carolina, but only incidentally, for the most part, it speaks
[06:11.920 --> 06:16.840]  to the United States as a whole.
[06:16.840 --> 06:17.840]  What about-
[06:17.840 --> 06:30.400]  We have Nancy Becker here and we have that, did I send you that thing that came down from
[06:30.400 --> 06:32.200]  Harvard Law School that wrote on-
[06:32.200 --> 06:33.200]  Yes, you did.
[06:33.200 --> 06:34.200]  Yes, you did.
[06:34.200 --> 06:44.640]  Yes, I was just waiting on that to be decided for that there, because then she would be
[06:44.640 --> 06:48.280]  able to incorporate whatever I'm doing here.
[06:48.280 --> 06:49.280]  Maybe even join them.
[06:49.280 --> 06:50.280]  I don't know.
[06:50.280 --> 06:51.280]  Exactly.
[06:51.280 --> 06:56.840]  Okay, the decision against Merge, I take it it's on appeal?
[06:56.840 --> 07:03.280]  Yes, and specifically, they don't want to spend any money because they said they had
[07:03.280 --> 07:04.400]  no interest in it.
[07:04.400 --> 07:07.480]  Why should they have to pay all that money to the recorder?
[07:07.480 --> 07:12.640]  Of course, they've already filed a lawsuit against the bank.
[07:12.640 --> 07:21.920]  Well, you might get the clerk to join your suit and claim penalties against Merge for
[07:21.920 --> 07:23.920]  filing fraudulent documents.
[07:23.920 --> 07:31.320]  Now, granted, the penalties wouldn't necessarily go to the clerk, but it would go to the general
[07:31.320 --> 07:32.320]  fund.
[07:32.320 --> 07:34.600]  Yes, but there's one other thing.
[07:34.600 --> 07:40.120]  Do you remember a long time ago, I said I filed criminal charges against all the attorneys
[07:40.120 --> 07:42.120]  in that quiet house suit?
[07:42.120 --> 07:43.120]  Yes.
[07:43.120 --> 07:51.400]  And the district attorney told me to let me know when this case is over so they can proceed.
[07:51.400 --> 07:53.600]  So that's what I'm going to do.
[07:53.600 --> 08:00.800]  As soon as I get the final decision down from the local county judge, as soon as I get that
[08:00.800 --> 08:07.840]  decision, then I'm going to put it with my RICO decision and email them to the district
[08:07.840 --> 08:08.840]  attorney.
[08:08.840 --> 08:09.840]  Oh, wonderful.
[08:09.840 --> 08:12.840]  Let him see what he can do.
[08:12.840 --> 08:15.320]  That's what I thought.
[08:15.320 --> 08:22.640]  There is a chance that the district attorney may want to pick this up and get the state
[08:22.640 --> 08:24.640]  to join your RICO suit.
[08:24.640 --> 08:25.640]  Yeah.
[08:25.640 --> 08:32.400]  Well, you see, the thing is, is that all of this is in the court.
[08:32.400 --> 08:35.320]  I don't have to worry about finding any evidence.
[08:35.320 --> 08:36.320]  It's there.
[08:36.320 --> 08:40.120]  It's there, it's there.
[08:40.120 --> 08:48.800]  You may be able to file the RICO and move for a default, a move for summary judgment.
[08:48.800 --> 09:00.920]  Because you have all of the evidence in the court record, it's unrefutable.
[09:00.920 --> 09:02.240]  That would be interesting.
[09:02.240 --> 09:10.360]  We have some things going on here in Texas that demonstrate that with all of this unrest
[09:10.360 --> 09:16.840]  around the country, that the courts and our public officials are really getting nervous.
[09:16.840 --> 09:21.760]  They're really beginning to pay attention.
[09:21.760 --> 09:29.040]  I have district attorney standing aside, letting me take complaints to the grand jury without
[09:29.040 --> 09:36.560]  question, and this has been 30 years trying to get there.
[09:36.560 --> 09:42.040]  I'm hearing things from policing agencies that they're very, very concerned.
[09:42.040 --> 09:47.680]  The police are getting even more afraid of us than they've ever been, but they're afraid
[09:47.680 --> 09:54.800]  of us because they realize that we're all, we're PO'd at them, that we've had enough
[09:54.800 --> 10:01.640]  of them, we've got them wearing body mics.
[10:01.640 --> 10:11.320]  We've got them doing courses to teach their police how to respond differently to the public.
[10:11.320 --> 10:17.240]  You've got South Carolina filing, claiming fraudulent documents.
[10:17.240 --> 10:21.680]  Lesley, how long have we been making these claims?
[10:21.680 --> 10:22.680]  They've fallen on deaf ears.
[10:22.680 --> 10:25.680]  I know, I've been doing it five years.
[10:25.680 --> 10:29.240]  And I've been doing it seven.
[10:29.240 --> 10:32.280]  Five and a half years.
[10:32.280 --> 10:43.080]  And now we have for a government official, a county clerk, to take this kind of action.
[10:43.080 --> 10:46.360]  I can understand the county clerks taking the action to try to collect the money that
[10:46.360 --> 10:50.800]  was due them, but this is different.
[10:50.800 --> 10:55.200]  South Carolina's not trying to collect the money that was due them.
[10:55.200 --> 10:58.640]  They're trying to get these guys in jail.
[10:58.640 --> 11:07.000]  They're trying to get the documentation ruled as fraud to clean up their records.
[11:07.000 --> 11:08.400]  I didn't finish it.
[11:08.400 --> 11:11.400]  What was their remedy?
[11:11.400 --> 11:18.520]  Well, actually they're trying to get quiet pedal on everything.
[11:18.520 --> 11:26.120]  I was reading, I got down to the first cause of action and they're claiming that all these
[11:26.120 --> 11:34.040]  documents are fraudulent, but if they claim quiet title on all of them, that's going to
[11:34.040 --> 11:38.480]  make another huge, huge mess.
[11:38.480 --> 11:41.920]  I don't know what.
[11:41.920 --> 11:46.080]  They said the only way to do it is to quiet title every seven.
[11:46.080 --> 11:47.080]  Yeah.
[11:47.080 --> 11:48.080]  Okay.
[11:48.080 --> 11:53.760]  There's no way to do it in law, but in the real world we live in, that is going to create
[11:53.760 --> 11:58.640]  a terrible mess that the banks will pay for.
[11:58.640 --> 12:02.920]  Well, that's one of the things I asked for.
[12:02.920 --> 12:04.800]  They're going for quiet title on all of these.
[12:04.800 --> 12:05.800]  That is incredible.
[12:05.800 --> 12:12.640]  So I'm going to have to read the rest of that and start incorporating it into what we're
[12:12.640 --> 12:13.640]  doing.
[12:13.640 --> 12:19.400]  In my complaint, what I'm asking for is basically the same thing.
[12:19.400 --> 12:24.280]  I'm asking for dismissal of all foreclosure actions that have MERS in the title.
[12:24.280 --> 12:29.840]  I'm asking for the return of all property that has been sold and bought by the banks
[12:29.840 --> 12:34.160]  back to the original owner if they had MERS in the title.
[12:34.160 --> 12:41.000]  I'm asking for them to make restitution to the people who have had their houses sold
[12:41.000 --> 12:47.400]  out from under them when there's MERS in the title and that all other MERS mortgages be
[12:47.400 --> 12:48.400]  voided.
[12:48.400 --> 12:49.400]  Yeah.
[12:49.400 --> 12:57.640]  And proof of fraud or an adjudication that the documents were fraudulent will pretty
[12:57.640 --> 13:06.600]  much avoid tolling the clock on the improper foreclosures.
[13:06.600 --> 13:14.440]  So like in Texas, you've got four years, but if it's fraud, then that clock doesn't
[13:14.440 --> 13:17.440]  toll.
[13:17.440 --> 13:21.960]  So all of these people who have been foreclosed on, go ahead.
[13:21.960 --> 13:22.960]  Yeah.
[13:22.960 --> 13:28.560]  Well, the clock doesn't start tolling on fraud until you discover it, so it could be 20 years
[13:28.560 --> 13:29.560]  down the road.
[13:29.560 --> 13:30.560]  Yeah.
[13:30.560 --> 13:31.560]  That's what I'm saying.
[13:31.560 --> 13:38.400]  So these people that were foreclosed on in the 90 some odd percent that never resisted
[13:38.400 --> 13:47.000]  the foreclosure, they're all open to come back at them and just getting more and more
[13:47.000 --> 13:49.600]  cases in our favor all the time.
[13:49.600 --> 13:50.600]  Yeah.
[13:50.600 --> 13:51.600]  Okay.
[13:51.600 --> 13:58.320]  And I asked them to overturn any foreclosure decision that had been issued with MERS in
[13:58.320 --> 13:59.320]  the title.
[13:59.320 --> 14:02.600]  I mean, that's one of the things, that's the thing that I'm asking for in the recursive
[14:02.600 --> 14:03.600]  itself.
[14:03.600 --> 14:13.400]  Well, if South Carolina gets a ruling in their favor, you can use that ruling.
[14:13.400 --> 14:14.720]  Yeah.
[14:14.720 --> 14:22.560]  Even though it's South Carolina, it is the exact same set of circumstances.
[14:22.560 --> 14:32.480]  So you can bring it here and claim collateral estoppel from MERS asserting that their filings
[14:32.480 --> 14:33.760]  are not fraudulent.
[14:33.760 --> 14:35.840]  It's the same issue.
[14:35.840 --> 14:40.720]  They have no dog in the hunt.
[14:40.720 --> 14:47.120]  I don't expect to get a decision for another year on this one, but you referred to you.
[14:47.120 --> 14:49.600]  Wait, say that again?
[14:49.600 --> 14:56.080]  I just came out with this one in South Carolina.
[14:56.080 --> 15:02.360]  I don't expect to get a decision in that for another year.
[15:02.360 --> 15:06.560]  You're talking about the MERS case in Pennsylvania, the appeal?
[15:06.560 --> 15:11.000]  No, the one in North Carolina, in South Carolina.
[15:11.000 --> 15:13.000]  Oh, the North Carolina suit.
[15:13.000 --> 15:14.000]  Yeah.
[15:14.000 --> 15:23.040]  Because that was just the complaint, and it was just that they said the motion to dismiss
[15:23.040 --> 15:28.120]  was overturned and was denied.
[15:28.120 --> 15:37.400]  What I expect is going to happen is this is a matter of this clerk being emboldened.
[15:37.400 --> 15:43.480]  It could well be your clerk there in Pennsylvania that gave them the confidence to take this
[15:43.480 --> 15:46.280]  shot at them.
[15:46.280 --> 15:51.400]  And with South Carolina doing it, I almost guarantee you we're going to have other clerks
[15:51.400 --> 15:53.240]  jumping on the bad wagon.
[15:53.240 --> 15:58.600]  They know the public is really upset at the banks, and if they want to get reelected,
[15:58.600 --> 16:03.320]  they jump right in there and beat up MERS and the banks with the rest of them.
[16:03.320 --> 16:09.720]  And you wouldn't have been emboldened in the one in Pennsylvania.
[16:09.720 --> 16:10.720]  Okay.
[16:10.720 --> 16:13.760]  We really need to move along.
[16:13.760 --> 16:15.320]  We dropped one caller.
[16:15.320 --> 16:18.720]  We're about to go to another break.
[16:18.720 --> 16:21.040]  Do you have something else for us?
[16:21.040 --> 16:22.040]  I got one question.
[16:22.040 --> 16:23.040]  Okay.
[16:23.040 --> 16:29.280]  We've got 30 seconds, so let's pick this up on the other side.
[16:29.280 --> 16:35.400]  This is Randy Kelton, Wheel of Law Radio, our call-in number, 512-646-1984.
[16:35.400 --> 16:40.480]  We'll keep the phone lines open all night, and we've got another hour and 45 minutes,
[16:40.480 --> 16:44.120]  so if you have a question or comment, give us a call.
[16:44.120 --> 16:46.520]  This is the call-in number.
[16:46.520 --> 16:47.520]  I'm getting confused.
[16:47.520 --> 17:00.720]  512-646-1984, or we'll be right back.
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[18:59.920 --> 19:04.920]  You are listening to the Logos Radio Network, the LogosRadioNetwork.com.
[19:04.920 --> 19:18.960]  We'll only let them get to you, only the father can deliver you, we'll only let bad mind people
[19:18.960 --> 19:25.520]  hurt you, until they can get behind you, you know what I mean?
[19:25.520 --> 19:33.120]  Okay, we are back, Brandy Kelton, Rule of Law Radio, and we're talking to Leslie in
[19:33.120 --> 19:34.120]  Pennsylvania.
[19:34.120 --> 19:36.760]  Okay, Leslie, you had another question for us.
[19:36.760 --> 19:42.600]  Yes, I get it, and it's more of a general question.
[19:42.600 --> 19:47.680]  When you file a lawsuit in some states, I know in Pennsylvania it's true, loser pays the
[19:47.680 --> 19:50.520]  legal fees of both parties.
[19:50.520 --> 19:53.520]  How do you get around that?
[19:53.520 --> 20:04.080]  I'm not sure in Pennsylvania, because it's not necessarily that way in Texas.
[20:04.080 --> 20:15.040]  In Texas, the court actually decides who pays what, and only time the court will charge
[20:15.040 --> 20:26.200]  the opposing side is if they've acted inappropriately, generally they give a decision and the winning
[20:26.200 --> 20:32.280]  party can take his attorney fees out of whatever the determination is.
[20:32.280 --> 20:35.600]  Oh, okay.
[20:35.600 --> 20:43.760]  The fact that the losing party has to pay the attorney fees would really dampen your
[20:43.760 --> 20:52.680]  ability to challenge issues, because if the courts are corrupt, they just rule against
[20:52.680 --> 20:57.000]  you, and then they force you to pay both sides, that would keep you forever raising an issue
[20:57.000 --> 20:58.000]  again.
[20:58.000 --> 21:08.120]  Right, okay, that's one of the things that I was concerned about, because when I had
[21:08.120 --> 21:13.440]  my first thing in the federal court, we did not appeal it, because we were afraid we would
[21:13.440 --> 21:22.640]  have to pay the legal fees for the other side, and we're talking over $80,000, and that's
[21:22.640 --> 21:24.680]  why we didn't appeal it.
[21:24.680 --> 21:36.240]  Look, that's a problem with that kind of situation, you're denied due process because of the threat
[21:36.240 --> 21:43.640]  of having to pay all their fees, especially when you can't trust the courts.
[21:43.640 --> 21:51.080]  Yeah, well in the federal case, they put in a motion for me to pay for their fees in their
[21:51.080 --> 21:55.120]  other case, and the court denied it.
[21:55.120 --> 21:57.280]  Yeah, they almost always do that.
[21:57.280 --> 21:58.280]  They're pretty safe.
[21:58.280 --> 22:06.720]  For that reason, because they don't want to appear as though they're punishing people
[22:06.720 --> 22:11.840]  for trying to exercise their rights, and that sounds like what Pennsylvania is doing, they're
[22:11.840 --> 22:14.040]  making it harder for you to get to the courts.
[22:14.040 --> 22:21.280]  I don't know if it's a matter of law, or if it's a matter of just that's the way it appears,
[22:21.280 --> 22:28.520]  because you keep saying that they're different, that they...
[22:28.520 --> 22:35.600]  Since you're addressing foreclosure, then you might consider filing inability to pay.
[22:35.600 --> 22:41.480]  Inability to pay doesn't mean you're indigent.
[22:41.480 --> 22:50.200]  Inability to pay means that having to pay this would cause an undue burden, and would
[22:50.200 --> 22:54.880]  have the effect of denying you due process.
[22:54.880 --> 22:58.600]  Right.
[22:58.600 --> 23:07.040]  With what you just expressed, you're concerned that the burden of the cost of litigation
[23:07.040 --> 23:14.060]  could be so great that you wouldn't be able to pay it, and therefore you can't seek justice,
[23:14.060 --> 23:20.760]  you can't seek due process, because of the likelihood of having to pay amounts that you
[23:20.760 --> 23:23.480]  can't afford.
[23:23.480 --> 23:29.720]  That's what inability to pay goes to, is having to pay amounts you can't afford, so you might
[23:29.720 --> 23:30.720]  look at that.
[23:30.720 --> 23:31.720]  Right.
[23:31.720 --> 23:32.720]  Okay.
[23:32.720 --> 23:33.720]  All right.
[23:33.720 --> 23:40.680]  So then we could file this RICO suit and not worry whether we win or lose, and it's just
[23:40.680 --> 23:43.120]  that's the way it's going to be.
[23:43.120 --> 23:53.240]  RICO suit is a whole different animal, and if you've got grounds, even like here in Texas,
[23:53.240 --> 24:00.200]  even if you lose, if your case was not frivolous, they're not going to sign your attorney fees.
[24:00.200 --> 24:01.200]  Okay.
[24:01.200 --> 24:05.240]  That's what my concern was.
[24:05.240 --> 24:15.800]  And it is a serious consideration because, you know, it's easy for me to say, yeah, just
[24:15.800 --> 24:20.280]  go right ahead, but I'm not the one that's going to get, you know, looking at getting
[24:20.280 --> 24:21.280]  all the attorney fees.
[24:21.280 --> 24:37.040]  Well, the thing is, is like I said, I have in here 90, let me see, it's from 5 to, 15
[24:37.040 --> 24:38.040]  defundants.
[24:38.040 --> 24:39.040]  Wow.
[24:39.040 --> 24:54.680]  At least, at least 15, because I have 15, 16, 17, 18, 19, 19, different defundants.
[24:54.680 --> 25:05.120]  Yeah, Pennsylvania is probably like most other states, in order to get attorney fees, you
[25:05.120 --> 25:07.120]  have to ask for them.
[25:07.120 --> 25:15.760]  And then the judge has to award them, and the judges are going to be really reluctant
[25:15.760 --> 25:22.400]  to award attorney fees that would tend to interfere with your ability to seek justice.
[25:22.400 --> 25:30.240]  But that's not to say they won't, because in the end, they're corrupt and we know that.
[25:30.240 --> 25:37.240]  Well, maybe they're not corrupt, but we have to conduct ourselves as if they are.
[25:37.240 --> 25:41.880]  Well, I just didn't know if I was the only one who had that concern too.
[25:41.880 --> 25:46.760]  Yeah, I've had that concern from time to time on some of the actions that I've taken, but
[25:46.760 --> 25:51.400]  I've never had them come after me for attorney fees, I think except once in the just United
[25:51.400 --> 25:53.440]  out of hand.
[25:53.440 --> 26:00.720]  Did you only make both sides pay their lawyers?
[26:00.720 --> 26:06.320]  Okay we are, keep us up to date on what happens, Ms. Leslie.
[26:06.320 --> 26:07.320]  Thank you for calling.
[26:07.320 --> 26:12.560]  Okay, now we're going to Shane in New York.
[26:12.560 --> 26:13.560]  Hello, Shane.
[26:13.560 --> 26:16.400]  Hello, how are you doing?
[26:16.400 --> 26:17.400]  I'm doing good.
[26:17.400 --> 26:18.400]  What do you have for us?
[26:18.400 --> 26:23.800]  Okay, got a small little issue regarding a family member.
[26:23.800 --> 26:29.400]  We did a forensic with Lloyd McCaffrey on a small little mortgage for one of our family
[26:29.400 --> 26:34.800]  members and this is very interesting, so I want to tell you this, is we found out that
[26:34.800 --> 26:42.440]  the bank called T-Bank, which is upstate New York, deposited the promissory note into ATAPS,
[26:42.440 --> 26:50.760]  it's a not-for-profit organization, so they don't pay any taxes, and the attorney came
[26:50.760 --> 26:55.040]  back and wrote in the record that they had the original note and original deed and all
[26:55.040 --> 26:56.040]  that stuff.
[26:56.040 --> 27:00.640]  We found out from Lloyd McCaffrey that there's no deed attached to the note and the note
[27:00.640 --> 27:05.400]  was securitized and charged off and sold.
[27:05.400 --> 27:12.160]  And I thought it was kind of interesting because there's another mortgage on a property that
[27:12.160 --> 27:16.920]  nobody entertained in being part of a third party, you know, that the original loan was
[27:16.920 --> 27:17.920]  HSBC.
[27:17.920 --> 27:24.360]  I'm sure you've heard that bank before, HSBC Bank, and they want to have nothing to do
[27:24.360 --> 27:28.560]  with the proposal at all.
[27:28.560 --> 27:32.800]  Okay, PNC Bank was the original?
[27:32.800 --> 27:41.200]  HSBC Bank was the original, what do you call it, the original loan.
[27:41.200 --> 27:48.240]  Okay, what does the public record look like?
[27:48.240 --> 27:56.080]  The public record is fascinating because they, the assignment of debt states that they bought
[27:56.080 --> 27:58.520]  the note from Republic Bank.
[27:58.520 --> 28:03.160]  Okay, hold on, hold on, stop using pronouns.
[28:03.160 --> 28:06.560]  They, who was they?
[28:06.560 --> 28:16.280]  It's a bank called Republic Bank that went on since back in the mid-90s.
[28:16.280 --> 28:21.640]  It's a bank out of the Manhattan area, New York City.
[28:21.640 --> 28:27.680]  Okay, the original lender was HSBC.
[28:27.680 --> 28:30.960]  How does Republic Bank get in the picture?
[28:30.960 --> 28:38.080]  Because they were the original loan, loan, the original, they came from, that was the
[28:38.080 --> 28:39.080]  original bank.
[28:39.080 --> 28:43.240]  Okay, they're, okay, Republic is the original lender.
[28:43.240 --> 28:44.240]  Right.
[28:44.240 --> 28:47.240]  Is that company still in business?
[28:47.240 --> 28:48.240]  No.
[28:48.240 --> 28:51.080]  When did they go out of business?
[28:51.080 --> 28:56.280]  That's a good question, I think it was at some time in the middle of the 90s, maybe
[28:56.280 --> 29:02.960]  between 95 and maybe 1997, I got to find out, but it was right in the middle of the 90s.
[29:02.960 --> 29:05.440]  Okay, so this is a really old mortgage.
[29:05.440 --> 29:08.480]  Oh yeah, yeah, yeah, 20 years old.
[29:08.480 --> 29:12.680]  They're really going to want to foreclose on this, it's got lots of equity.
[29:12.680 --> 29:13.680]  Okay.
[29:13.680 --> 29:14.680]  Yeah.
[29:14.680 --> 29:19.680]  Then is there an assignment from Republic to someone else?
[29:19.680 --> 29:25.400]  Yes, yes, yes, I do have that by the way.
[29:25.400 --> 29:29.520]  Okay, hang on, we're about to go to break.
[29:29.520 --> 29:36.640]  When I come back, I'm going to want to know when it was filed and who filed it.
[29:36.640 --> 29:41.760]  Hang on, Randy Kelton, Rule of Law Radio, our call in number 512-646-1984.
[29:41.760 --> 30:02.640]  Give us a call, we'll be taking your calls all night, we'll be right back.
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[32:59.680 --> 33:00.680]  Yeah, yeah.
[33:00.680 --> 33:01.680]  Whoa.
[33:01.680 --> 33:02.680]  Okay, we are back.
[33:02.680 --> 33:32.480]  Randy Kelton, the Rule of Law Radio, and we're talking to Shane, the Chief of Staff of the
[33:32.480 --> 33:33.480]  State Department.
[33:33.480 --> 33:34.480]  Shane in New York.
[33:34.480 --> 33:41.800]  Okay, Shane, what I'm doing is whenever I look at a mortgage issue, you know, I go to
[33:41.800 --> 33:48.880]  people and they listen to the news and they've dug around on the Internet, and they start
[33:48.880 --> 33:53.920]  talking about the issues that seem the most prominent.
[33:53.920 --> 33:59.240]  But I'm an engineer, and engineers always want to go back to the absolute basics.
[33:59.240 --> 34:04.000]  So I want to walk through the basics, and that will give us a good feel for where you're
[34:04.000 --> 34:06.560]  at in this case.
[34:06.560 --> 34:11.960]  So the original bankers out of business, wonderful, the original lender.
[34:11.960 --> 34:13.280]  Right.
[34:13.280 --> 34:15.400]  You have an assignment.
[34:15.400 --> 34:16.400]  What year is the assignment?
[34:16.400 --> 34:21.400]  The assignment looks like it was done, I don't believe this, it was done in, I got to find
[34:21.400 --> 34:27.400]  the exact year because I don't have it in front of me, but I know it's sometime in
[34:27.400 --> 34:31.760]  the early 2000s, Randy, those early 2000s.
[34:31.760 --> 34:36.600]  It's really shoddy paperwork, it looks like we can't find the deed.
[34:36.600 --> 34:40.400]  There's no assignment, but there's no deed.
[34:40.400 --> 34:41.400]  Okay.
[34:41.400 --> 34:47.120]  And you're in New York, so you have Judge Sheck's ruling about vampire lenders, are
[34:47.120 --> 34:50.120]  you familiar with that one?
[34:50.120 --> 34:52.680]  I've heard of it before, yes.
[34:52.680 --> 34:53.680]  Okay.
[34:53.680 --> 35:01.040]  Judge Sheck was pretty colorful, and he went to this issue that MERS came in and they did
[35:01.040 --> 35:10.680]  an assignment as the nominee for a lender who was out of business, the lender is a person
[35:10.680 --> 35:15.120]  under law and the person died.
[35:15.120 --> 35:20.520]  So how did the dead guy tell his agent to do anything?
[35:20.520 --> 35:28.120]  And according to Judge Sheck, you must be a vampire lender to come back from the grave.
[35:28.120 --> 35:31.580]  That's the first thing you look at, okay.
[35:31.580 --> 35:36.920]  Do you have more than one assignment?
[35:36.920 --> 35:37.920]  The answer is no.
[35:37.920 --> 35:38.920]  Okay.
[35:38.920 --> 35:44.280]  From what I see, yeah, no, there's definitely not.
[35:44.280 --> 35:46.240]  Well that one is enough.
[35:46.240 --> 35:58.440]  Okay, where are you, okay, why do you think that the note was sold into it, was securitized?
[35:58.440 --> 36:03.760]  Because William McCaffrey, are you familiar with him at all, Randy?
[36:03.760 --> 36:04.760]  No.
[36:04.760 --> 36:18.160]  McCaffrey is an expert, I witnessed for mortgages, foreclosures, and he will do a complete check
[36:18.160 --> 36:25.960]  of the loan and come back with results, usually takes him about a week, maybe two weeks.
[36:25.960 --> 36:35.160]  Okay, well the reason I asked about that is this was a note that was issued before it
[36:35.160 --> 36:43.240]  was legal to securitize them, couldn't do that until after 2000.
[36:43.240 --> 36:51.520]  Right, yeah, no, this was a separate matter, this was KeyBank, I only brought up HSBC because
[36:51.520 --> 36:54.520]  they're the highest loan for the property.
[36:54.520 --> 36:59.920]  KeyBank hasn't even touched the property, there's been no payment on them for like,
[36:59.920 --> 37:04.280]  but it's going on three years now, KeyBank came in, there was a secondary mortgage on
[37:04.280 --> 37:11.640]  the property, and KeyBank moved forward, but they never brought in HSBC as a third party
[37:11.640 --> 37:15.600]  defendant, never even brought them in, right here on the point.
[37:15.600 --> 37:20.280]  Do you have the year, do you have the information on the note itself?
[37:20.280 --> 37:23.240]  Yes, I do.
[37:23.240 --> 37:26.520]  What's the month of the note?
[37:26.520 --> 37:28.520]  Give me month, year, and principal.
[37:28.520 --> 37:36.120]  Yeah, 2000, it was right around $75,000, Randy, it was 2008.
[37:36.120 --> 37:41.920]  Hold on, hold on, you just said this thing was 1990.
[37:41.920 --> 37:46.880]  Right, that's the original loan on the property, the original loan.
[37:46.880 --> 37:52.800]  Oh, okay, what is the latest deed of trust, or latest mortgage?
[37:52.800 --> 38:00.200]  The latest mortgage on the property was 2008 for $75,000.
[38:00.200 --> 38:01.200]  What month of 2008?
[38:01.200 --> 38:08.200]  Yeah, I believe it was right around, I'm thinking right around April, maybe March, 2008, okay,
[38:08.200 --> 38:14.160]  it was right around the springtime, I'm not sure I can remember.
[38:14.160 --> 38:15.160]  Okay, $95,000?
[38:15.160 --> 38:16.160]  No, $75,000 maybe.
[38:16.160 --> 38:17.160]  $75,000.
[38:17.160 --> 38:23.360]  There's an outstanding balance right now of $50,000.
[38:23.360 --> 38:36.400]  Okay, I've got a spreadsheet here I'm putting them into that does some calculations.
[38:36.400 --> 38:43.120]  Okay, when did they stop paying on the note?
[38:43.120 --> 38:46.720]  One year ago, exactly one year ago today.
[38:46.720 --> 39:04.920]  Okay, let me change that to 09, okay, my calculations say, estimated current principal on a $75,000
[39:04.920 --> 39:16.680]  note, they would still owe $66,437.61 plus a little interest, probably $68,000 when you
[39:16.680 --> 39:21.880]  add in the interest, do you know what the interest rate was on the note?
[39:21.880 --> 39:28.200]  No, I don't have that in front of me right now, I don't know what it was.
[39:28.200 --> 39:32.760]  Do you know what the current fair market value of the property is?
[39:32.760 --> 39:33.760]  $325,000.
[39:33.760 --> 39:34.760]  Whoa!
[39:34.760 --> 39:45.360]  When they got to $75,000 did they have the note paid off?
[39:45.360 --> 39:50.440]  They were trying to pay it off, and then things went south financially for the...
[39:50.440 --> 39:57.120]  No, no, no, what I'm saying is you got a $75,000 note, is there another claim against the property?
[39:57.120 --> 39:58.880]  Was this a second mortgage?
[39:58.880 --> 40:06.120]  No, no, no, that's the amazing thing, Randy, is a key bank has a fairly new mortgage from
[40:06.120 --> 40:14.480]  2008 HSBC, I guess they've been doing some due diligence by sending them validation letters
[40:14.480 --> 40:19.560]  and written qualify requests and so forth and so on, and they have made a payment against
[40:19.560 --> 40:23.600]  that loan for going on three years now.
[40:23.600 --> 40:27.360]  Okay, this thing has $300,000 in equity on it.
[40:27.360 --> 40:28.360]  Yeah.
[40:28.360 --> 40:34.680]  Are the people that are in the property, do they want to stay in the property or are they
[40:34.680 --> 40:41.200]  willing to move out of this property and buy something else?
[40:41.200 --> 40:46.760]  No, they're going to stay in the property and they pretty much said, you know what,
[40:46.760 --> 40:47.760]  come get it.
[40:47.760 --> 40:48.760]  That's what they said, come get it.
[40:48.760 --> 40:53.920]  They told them, you know, if you want to foreclose, good luck, because you're not going to get
[40:53.920 --> 40:54.920]  it.
[40:54.920 --> 41:04.920]  And so I did a little research on it and we found out that the bank securitized the loan,
[41:04.920 --> 41:07.320]  they already charged it off.
[41:07.320 --> 41:13.280]  Okay, securitization, it's probably not going to help a whole lot.
[41:13.280 --> 41:17.640]  That's a rabbit hole the banks have sent us down.
[41:17.640 --> 41:24.560]  You've got a property here with $308,000 of equity in it.
[41:24.560 --> 41:31.440]  It should be relatively simple to refinance that thing, even if you don't have good credit.
[41:31.440 --> 41:36.360]  You've got equity coming out your ears.
[41:36.360 --> 41:45.240]  You make a claim against the lender and the easiest thing for the lender to do is clean
[41:45.240 --> 41:49.960]  up your credit, don't cost him anything.
[41:49.960 --> 41:54.640]  So look at the paperwork, find a claim you can make against the lender, you can always
[41:54.640 --> 42:01.040]  find a claim against the lender and file a quiet title action.
[42:01.040 --> 42:07.240]  And as soon as you get it filed, as soon as the lawyers for the other side file a notice
[42:07.240 --> 42:14.000]  of appearance, then call them and say, Hey guys, let's make a deal.
[42:14.000 --> 42:15.240]  Let's make this go away.
[42:15.240 --> 42:25.080]  So I ran the numbers, you guys got about 60 grand, 66,000 in this property.
[42:25.080 --> 42:26.760]  We'll cure it.
[42:26.760 --> 42:30.440]  You drop all the attorney fees and late fees.
[42:30.440 --> 42:37.320]  We'll cure this default and extinguish the note.
[42:37.320 --> 42:43.240]  And you can probably get them to sell this thing to you rather than have to go to a legal
[42:43.240 --> 42:44.240]  fight.
[42:44.240 --> 42:51.080]  And even if they don't, if they say, heck no, then you immediately in the quiet title
[42:51.080 --> 42:56.920]  action you just filed, move the court to order mediation.
[42:56.920 --> 43:00.680]  The judge does not want to spend all day Saturday reading pleadings.
[43:00.680 --> 43:04.000]  He wants to go play golf.
[43:04.000 --> 43:10.520]  And this has nothing to do with law, it has everything to do with human beings and politics.
[43:10.520 --> 43:17.360]  And politically, the judge is going to exercise a political authority against these other
[43:17.360 --> 43:21.600]  lawyers if they screw up his golf game.
[43:21.600 --> 43:23.160]  So ask him to order mediation.
[43:23.160 --> 43:29.920]  And then when they refuse to mediate in good faith, you go back and ask for sanctions.
[43:29.920 --> 43:39.520]  What you want to do is give the lawyers on the other side and the bank plausible deniability.
[43:39.520 --> 43:45.680]  The banks do not want to negotiate with you because the lender, hang on, we'll explain
[43:45.680 --> 43:48.440]  this politics when we come back on the other side.
[43:48.440 --> 43:57.120]  Randy Kelton, Wheel of Law Radio, I call it number 512-646-1984, we'll be right back.
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[46:24.660 --> 46:38.380]  Okay, we are back when Kelton Rules Law Radio and Shane, we're talking to Shane in New
[46:38.380 --> 46:47.300]  York and Shane, these folks have way too much equity to lose this property. But you're going
[46:47.300 --> 46:52.300]  to have a bank that's really going to want this property because it has so much equity
[46:52.300 --> 47:05.500]  in it. So first, let's go to the public record concerning this most recent note, recent security
[47:05.500 --> 47:12.260]  instrument. Has there been an assignment of the security instrument from the original
[47:12.260 --> 47:13.260]  lender?
[47:13.260 --> 47:23.180]  No, and there's no deed on top of that. There's no deed attached to the, it's a line of credit,
[47:23.180 --> 47:24.180]  Randy.
[47:24.180 --> 47:26.620]  Oh, okay. Okay. This is a home equity loan.
[47:26.620 --> 47:33.780]  Yeah, it's a line of credit. And so we hired William McCaffrey. And just to give you a
[47:33.780 --> 47:38.220]  heads up on William McCaffrey, he's been an advocate of William McCaffrey on Google or
[47:38.220 --> 47:44.900]  StarPage or any of the search engines, you'll find out real quickly who he is. And he's
[47:44.900 --> 47:50.740]  considered an expert eyewitness to the court. And a lot of times he prevailed, a lot of
[47:50.740 --> 47:55.660]  people prevailed with his affidavits. And a lot of times it wonders when to do a motion
[47:55.660 --> 48:00.860]  that strikes before his affidavit off the record. And a lot of times it's been denied.
[48:00.860 --> 48:05.740]  And there's a lot of information on the internet, but the good news is that it's coming from
[48:05.740 --> 48:10.940]  him that was securitized and then it was charged off. Which, you know, you and I know, they
[48:10.940 --> 48:16.620]  can charge off to the zero balance. So they can't really, and technically they can't demonstrate
[48:16.620 --> 48:22.820]  the, what do you call it? They can't demonstrate the evidence of-
[48:22.820 --> 48:32.740]  The agency standing in capacity. So if they have transferred the right to be paid to someone
[48:32.740 --> 48:45.580]  else, then even if they are the holder, the bona fide holder of the note, they can't come
[48:45.580 --> 48:53.900]  to the court and bring a controversy unless they, when they securitize the note, they
[48:53.900 --> 48:58.580]  retain the servicing rights. Right.
[48:58.580 --> 49:09.500]  So is the original bank still the servicer? No.
[49:09.500 --> 49:18.500]  Is okay. Yeah. I take it as the servicer who's trying to do the foreclosure.
[49:18.500 --> 49:29.500]  Correct. It's an attorney firm in Rochester called Finsuch and Payne. And they've already
[49:29.500 --> 49:34.780]  been recommended by several judges, especially in Brooklyn. You might want to, you know,
[49:34.780 --> 49:40.500]  if anybody's out there, they could do a search on Finsuch and Payne. It's a law firm like
[49:40.500 --> 49:44.500]  the Air 1 in Rochester and the Air 1 in New York City and Albany.
[49:44.500 --> 49:50.580]  Okay. Then let me get this right. So, okay, this is a law firm and not the servicer who
[49:50.580 --> 50:04.060]  is suing for foreclosure. Who is the servicer? The servicer would be a company, I just don't
[50:04.060 --> 50:10.060]  recall the company's name on there, but it's, they claim to work for T-Bank, but they're
[50:10.060 --> 50:15.500]  not. They have their T-Bank logo on there, you know, just like HSBC will have their logo
[50:15.500 --> 50:22.060]  on there. And they use a third party to do all that servicing work.
[50:22.060 --> 50:29.180]  Okay. Then in order to really give you a good assessment, I'd have to see the documentation.
[50:29.180 --> 50:37.020]  So I take it in this case, in this case, who is the original lender?
[50:37.020 --> 50:43.420]  Who did the home equity loan? The, the T-Bank.
[50:43.420 --> 50:50.460]  Wait, say that again? T-Bank. It's K-E-Y, T-Bank National.
[50:50.460 --> 50:55.340]  Oh, K-E-Y Bank. Okay. I've bumped into them before.
[50:55.340 --> 50:59.860]  Yeah. I allow, Randy, I always like to say, yeah, you might have a T-Bank, but you're
[50:59.860 --> 51:05.980]  definitely not going to think. Yeah. I had a, Pastor Mashead brought me a client
[51:05.980 --> 51:13.820]  from New York that had K-Bank. Okay. And there is no assignment in the public record?
[51:13.820 --> 51:19.620]  No. And there's not even the deed attached to the mortgage. In New York they call it
[51:19.620 --> 51:22.500]  a mortgage, other states they call it a promissory.
[51:22.500 --> 51:29.620]  Right. New York is a mortgage state, is a judicial state. When you have a judicial state,
[51:29.620 --> 51:34.860]  it's called a mortgage, the security instruments call it a mortgage. In a non-judicial state,
[51:34.860 --> 51:42.700]  it's a deed of trust. Okay. You have K-Bank and K-Bank doesn't, do they have a mortgage
[51:42.700 --> 51:50.620]  document filed in the record? Um, did they have it recorded? I think they
[51:50.620 --> 52:05.060]  have a mortgage recorded, but it shows that it was transferred to ACAP. What shows that
[52:05.060 --> 52:06.860]  it was transferred? The note itself, it shows right on the, well,
[52:06.860 --> 52:11.580]  I'm going to call it a mortgage. They call it a mortgage here in New York.
[52:11.580 --> 52:18.500]  Okay. The mortgage, we're talking about the security instrument. And the note itself shows
[52:18.500 --> 52:21.460]  that the security instrument was transferred to someone else?
[52:21.460 --> 52:27.300]  Yes. It's called ACAP. Okay. Hold on. Hold on. Is there a mortgage
[52:27.300 --> 52:34.900]  filed in the record and if so, whose name's on it?
[52:34.900 --> 52:46.700]  The mortgage is, was recorded and all it has is, it just says line of credit, equity line
[52:46.700 --> 52:49.780]  of credit with K-Bank. That's all it says on it.
[52:49.780 --> 53:00.300]  K-Bank. Okay. K-Bank is in the record as the holder and in their note, they said they sold
[53:00.300 --> 53:10.900]  it to somebody else. Well, they got a problem. That means they're not the holder, but they're
[53:10.900 --> 53:19.580]  the ones holding the security instrument. So by their own documentation, they don't
[53:19.580 --> 53:29.060]  hold the rights to the security, the rights to the note or to the income stream, because
[53:29.060 --> 53:36.900]  by their own documentation, they sold it. What they needed to do was file the security
[53:36.900 --> 53:42.620]  instrument in the name of whoever they sold it to.
[53:42.620 --> 53:50.780]  You have 60 days under your state settlement procedure, Zach. If you receive the beneficial
[53:50.780 --> 53:57.340]  interest of a note or you have a claim against property transferred to you and you're going
[53:57.340 --> 54:02.580]  to transfer it to somebody else, if you're not going to hold it more than 60 days, you
[54:02.580 --> 54:07.100]  won't have to file it. You can transfer it to the other person and then they have to
[54:07.100 --> 54:13.660]  file it. So here we have K-Bank. It wasn't even going to hold it a day. They didn't have
[54:13.660 --> 54:21.260]  to file. They could have just let whoever they sold it to file. They went and filed
[54:21.260 --> 54:26.140]  their own. What kind of bonehead move was that?
[54:26.140 --> 54:33.660]  So now you sued the lawyer for... Did he file an action already?
[54:33.660 --> 54:39.140]  Yeah. He was stupid enough to file a complaint in the county, not the state court, but just
[54:39.140 --> 54:47.180]  the county court. They've been getting to our family members have been getting harassed
[54:47.180 --> 54:55.020]  by the local prepaid attorneys saying to refile the property, refile the property. How do
[54:55.020 --> 54:59.740]  you refile a property when they can't even show the evidence of the debt, which is blind
[54:59.740 --> 55:03.420]  boggling to me. So sue the attorney.
[55:03.420 --> 55:11.900]  Exactly. Exactly. Yes, exactly. That's what I wanted to ask you to close out this question
[55:11.900 --> 55:19.220]  is that maybe we can sue them under the Fair Debt Collection Practices Act, maybe RICO.
[55:19.220 --> 55:23.500]  We got something else we can sue them for. Do you have a hard one settlement statement?
[55:23.500 --> 55:31.140]  Yes. A very good question. The answer is no.
[55:31.140 --> 55:36.500]  You've got to get one. You have to have one. They had to produce one, so you need to talk
[55:36.500 --> 55:42.860]  to the people and look in their loan documents. There should be a hard one. It's generally
[55:42.860 --> 55:48.900]  on legal paper and it's two pages. Randy, I'm going to double check that and
[55:48.900 --> 55:56.900]  triple check if I'm almost positive there isn't. Okay, then just whoever the trustee
[55:56.900 --> 56:04.620]  was go to the trustee and they'll have a copy of all of the loan documents. Whoever
[56:04.620 --> 56:10.300]  the title company was that did the brokerage sale. They'll have the documents. You need
[56:10.300 --> 56:15.260]  a hard one settlement statement. You can do a road ash fee suit against them and get a
[56:15.260 --> 56:26.460]  claim against them in excess of the value of the note. When they file a notice of default,
[56:26.460 --> 56:32.700]  have you rescinded the note yet? These are great questions. You're not going
[56:32.700 --> 56:38.700]  to believe this. I just reflected that document about a week ago. We haven't sent it out yet,
[56:38.700 --> 56:42.940]  but we're in the process of sending it out. They haven't even set up a scheduling order
[56:42.940 --> 56:50.500]  to answer the complaint yet. Once they file a notice of acceleration...
[56:50.500 --> 56:59.860]  No, they haven't done that. Okay, listen. If you can show more than $35 of false fees
[56:59.860 --> 57:07.620]  charged on a hard one settlement statement or any time during the process of the mortgage,
[57:07.620 --> 57:13.220]  the right to rescind renews. That's right.
[57:13.220 --> 57:21.020]  Claim all of the fees charged at closing were fraudulent. That's why you need that hard
[57:21.020 --> 57:28.580]  one settlement statement. You claim that at closing, the lender failed to provide documentation
[57:28.580 --> 57:34.460]  to show that the fees charged at closing were not otherwise forbidden to be charged by law.
[57:34.460 --> 57:39.660]  That the fees were for services that were actually rendered. There were services that
[57:39.660 --> 57:49.500]  were necessary. The services were provided by a bona fide vendor and not a front company
[57:49.500 --> 57:56.740]  for one of your fiduciaries. That the services were necessary and that the lender did not
[57:56.740 --> 58:02.340]  take an undisclosed markup on the amounts charged. Since he didn't provide documentation
[58:02.340 --> 58:09.380]  to show that, all of the fees charged on the hard one settlement statement were fraudulent.
[58:09.380 --> 58:18.460]  One or two of them always is. If you give me the numbers, I'd run your calculation
[58:18.460 --> 58:24.860]  and give you a calculation in excess of the amount of the debt. You rescind and claim
[58:24.860 --> 58:33.220]  the tender by set off. Now they got a problem. Okay, hang on. We're about to go to break.
[58:33.220 --> 58:50.380]  Randy Kelton, the rule of our radio. I call in number 512-646-1984. We'll be right back.
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[01:01:24.500 --> 01:01:29.320]  today for apparently using government computers to extort college age women into gathering
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[01:03:20.460 --> 01:03:46.620]  Okay, we are back. Randy Kelton, Rule of Law Radio, and we're talking to Shane in New
[01:03:46.620 --> 01:03:58.740]  York. Recession, that's something that people aren't doing near enough. And so get a hold
[01:03:58.740 --> 01:04:06.060]  of the title company and see if they have the closing documents. Get a copy of that
[01:04:06.060 --> 01:04:13.860]  HUD-1 settlement statement and it'll list all of the fees charged at closing. This is
[01:04:13.860 --> 01:04:23.540]  one of the standing scams in real estate. Always on the HUD-1, they charge a bogus fee.
[01:04:23.540 --> 01:04:31.060]  The Real Estate Settlement Procedures Act restricts the kinds of fees they can charge.
[01:04:31.060 --> 01:04:40.820]  They cannot charge fees that are the ordinary part of doing business, like document preparation
[01:04:40.820 --> 01:04:51.060]  fees, administration fees. You look on your HUD-1, you've got all these warehousing fees.
[01:04:51.060 --> 01:04:56.460]  These fees that are the normal part of doing business were intended to be taken out of
[01:04:56.460 --> 01:05:03.020]  the interest that you pay. But instead of taking them out of the interest that you pay,
[01:05:03.020 --> 01:05:08.500]  they add them to the head of the note and charge interest on them for 30 years. So if
[01:05:08.500 --> 01:05:14.260]  I can get those numbers, all I really need is it's best if I have the whole HUD-1 because
[01:05:14.260 --> 01:05:22.820]  I'll build you a little claim against the lender naming each one of the fees and then
[01:05:22.820 --> 01:05:29.300]  demanding that he prove them up. And you start out by taking the full amount on the HUD-1
[01:05:29.300 --> 01:05:33.980]  settlement statement. You assume that all of the fees are bogus. Because he didn't prove
[01:05:33.980 --> 01:05:39.980]  them up, you don't have to stipulate to their validity so you challenge them on. Subtract
[01:05:39.980 --> 01:05:46.780]  them from the note from the first payment and re-amortize the note. But you amortize
[01:05:46.780 --> 01:05:53.420]  the note as if you paid every month the amount that they told you to pay, but you deduct
[01:05:53.420 --> 01:06:00.700]  the principal by the amount from the HUD-1. I like to use a spreadsheet. It shows all
[01:06:00.700 --> 01:06:11.300]  the payments. And you set up the, you amortize it with the amounts on the HUD-1, the principal
[01:06:11.300 --> 01:06:20.220]  interest and term and it'll calculate a payment amount. And then you go into the first payment
[01:06:20.220 --> 01:06:28.220]  and you add to that payment the full amount that's on the HUD-1. So you do an overpayment
[01:06:28.220 --> 01:06:34.740]  and then look at your, go down your list. First one we did this with was Steve Skidmore,
[01:06:34.740 --> 01:06:44.820]  my ex-co-host. $116,000 for a note at 6% interest. $12,000 charged on the HUD-1. We subtracted
[01:06:44.820 --> 01:06:55.780]  12 from the first payment. His mortgage went to zero at 240. The last 10 years of his mortgage
[01:06:55.780 --> 01:07:08.420]  he was paying extra. $116,000 note. He would have overpaid the note $50,000.43. His note
[01:07:08.420 --> 01:07:14.740]  was six years old. So you do not claim the amount they actually defrauded you of. You
[01:07:14.740 --> 01:07:21.180]  claim the amount they would have defrauded you of had their plan ran to fruition. In
[01:07:21.180 --> 01:07:27.300]  this case his note was six years old. So the entire amount would have been $50,000, but
[01:07:27.300 --> 01:07:35.260]  you don't sue for that. You sue for triple. So I got a calculation that I could take the
[01:07:35.260 --> 01:07:39.260]  bean counters to and they say, well, where'd you come up to this note with this number?
[01:07:39.260 --> 01:07:50.860]  I can show them how I got that number to the penny. And $150,000 on a $116,000 note. When
[01:07:50.860 --> 01:07:57.580]  you get a notice of default, now you can rescind. You've already got the notice of default,
[01:07:57.580 --> 01:08:05.180]  you can rescind. So you end this court case just by rescinding it. You rescind the note
[01:08:05.180 --> 01:08:14.140]  and claim tender by set off. You'll set off $75,000 or $66,000 against the fraud claim
[01:08:14.140 --> 01:08:22.860]  you have against them. Hey, Randy. Yes. Wasn't there a case back in January of 2015 or yard
[01:08:22.860 --> 01:08:29.980]  in this matter? I don't recall the guy's name, but I know it was all over the web in the
[01:08:29.980 --> 01:08:35.420]  Supreme Court that the Supreme Court stated that if you rescind a note, like you're saying
[01:08:35.420 --> 01:08:43.100]  right now, okay, it's the bank's obligation to prove up their claim. Absolutely. I have
[01:08:43.100 --> 01:08:47.340]  the case. I don't remember offhand what it was. Somebody send it to me. I'll have to
[01:08:47.340 --> 01:08:54.380]  go find it. Right. Send me an email and ask me for it. All right. Thanks a lot, Randy.
[01:08:55.340 --> 01:09:01.180]  Okay. Thank you. Thank you, Shane. Okay. Now we're going to Omar in Connecticut.
[01:09:03.100 --> 01:09:09.340]  Hello, Mr. Omar. Hey, how are you? I am good. What do you have for us today?
[01:09:09.340 --> 01:09:17.020]  Yeah, I have a foreclosure situation for a family member. They're a foreclosure and
[01:09:18.300 --> 01:09:22.060]  I guess they got some rejudgment against them and they're going for strict foreclosure.
[01:09:25.260 --> 01:09:31.900]  I guess their defense was that they went to the closing. It's kind of weird. They went to the
[01:09:31.900 --> 01:09:40.700]  closing and the bank should have had a certified check. They didn't bring a certified check to
[01:09:40.700 --> 01:09:49.180]  the closing. Then the people for the house, I guess they didn't want to sell it, the seller,
[01:09:49.180 --> 01:09:58.620]  so they left. Then the attorney at the closing, he left with the promissory note, but they didn't
[01:09:58.620 --> 01:10:05.980]  give the sellers the money. They didn't pass the deed. So when everything was over, four days later
[01:10:05.980 --> 01:10:13.500]  they called them and told them, well, you can go pick up the keys. So they said to the attorney,
[01:10:13.500 --> 01:10:17.740]  what about the paperwork? We got to do the paperwork. And he said, no, I took care of
[01:10:17.740 --> 01:10:21.420]  everything for you. All you got to do is just go get the keys. So when they got the keys,
[01:10:21.420 --> 01:10:27.900]  they got in a foreclosure and then now they filed to say the promissory note was given four days earlier.
[01:10:28.940 --> 01:10:36.460]  So they said, hold up. The warranty deed wasn't passed. I guess the judge, they didn't really
[01:10:36.460 --> 01:10:42.780]  care about it. They tried to bury it and stuff. So do you know anything about stuff like that
[01:10:44.380 --> 01:10:46.460]  as far as deed and delivery of deeds?
[01:10:46.460 --> 01:10:52.380]  Right. Okay. This is not making any sense. You went to
[01:10:53.820 --> 01:10:58.860]  the closing and you said that the seller decided not to sell.
[01:11:00.220 --> 01:11:05.260]  Right. The seller decided not to sell because they should have had a certified check. The bank should
[01:11:05.260 --> 01:11:09.660]  have had a bank check, but they couldn't produce a bank check. They came with a personal check.
[01:11:09.660 --> 01:11:19.740]  Right. Okay. Who came with a personal check? The closing attorney. The settlement agent.
[01:11:20.300 --> 01:11:26.060]  Okay. Okay. The settling agent, you're talking about the title company or the-
[01:11:26.060 --> 01:11:30.460]  Yeah. Well, here's the thing because the title company, they thought the guy from the title
[01:11:30.460 --> 01:11:37.660]  company, the bank told them to go out and get a lawyer because they can't force them to go with
[01:11:37.660 --> 01:11:43.820]  their guy. So they went out and got an attorney to represent them at closing. But he was the only one
[01:11:43.820 --> 01:11:49.420]  there with that seller's attorney. So it was like the two attorneys and these people were there.
[01:11:49.980 --> 01:11:56.300]  And I guess he came with a personal check. So he was also the title, the title insurer,
[01:11:56.860 --> 01:12:02.220]  the settlement agent and their attorney. So he was working for everybody, I guess.
[01:12:02.220 --> 01:12:11.900]  That's okay. And he, and so this is the title company or the title company's attorney
[01:12:13.420 --> 01:12:19.660]  that represented the seller or represented the buyer. Who was he?
[01:12:19.660 --> 01:12:20.700]  The buyer.
[01:12:21.420 --> 01:12:24.140]  Okay. So and he came with a personal check?
[01:12:24.140 --> 01:12:39.100]  Yes, from his law firm. And did, okay. So this, I take it this is a deal that never actually got completed?
[01:12:40.540 --> 01:12:43.500]  Well, it got completed like about four days later.
[01:12:47.660 --> 01:12:53.340]  Okay. So the warranty fee passed, but it did pass, but it passed four days later.
[01:12:53.340 --> 01:12:57.500]  And then when they tried to do over the paperwork, they told him that they already did, you know,
[01:12:57.500 --> 01:13:00.220]  it's already done. Like they didn't get back home.
[01:13:00.220 --> 01:13:11.500]  You're using, but you're using pronouns and they told who. Who was they and who did they tell what?
[01:13:12.460 --> 01:13:19.980]  Okay. The buyers, the persons who were buying the house, they tried to do over the paperwork
[01:13:19.980 --> 01:13:28.060]  for the house. So the closing attorney told the buyer that he already fixed the date on the paperwork.
[01:13:29.180 --> 01:13:33.260]  So they went and got the keys. Is that okay?
[01:13:33.980 --> 01:13:37.340]  Yeah. Okay. So the buyer did get a key to the property.
[01:13:38.220 --> 01:13:38.720]  Right.
[01:13:39.420 --> 01:13:40.540]  Did they get moved in?
[01:13:41.740 --> 01:13:42.460]  Yes, they did.
[01:13:43.740 --> 01:13:45.900]  How long did they, were they in the property?
[01:13:45.900 --> 01:13:48.220]  Uh, you mean in terms of years after?
[01:13:49.180 --> 01:13:49.680]  Yeah.
[01:13:50.620 --> 01:13:51.740]  Oh, they're still there.
[01:13:53.260 --> 01:13:56.940]  Okay. How old is this transaction? When did they buy the property?
[01:13:58.140 --> 01:14:00.460]  They brought the property, I think in 2006.
[01:14:02.380 --> 01:14:07.260]  Okay. So the closing went through and they, they received the property.
[01:14:08.220 --> 01:14:12.300]  So all of that stuff that went on at this point doesn't matter.
[01:14:12.300 --> 01:14:14.940]  All of that stuff that went on at this point doesn't matter.
[01:14:16.300 --> 01:14:19.420]  Now, who was the original lender?
[01:14:21.020 --> 01:14:22.460]  I think it was SunTrust.
[01:14:25.420 --> 01:14:27.260]  Is SunTrust still in business?
[01:14:28.460 --> 01:14:28.960]  Yes.
[01:14:31.100 --> 01:14:36.380]  Is there an assignment of the security instrument filed in the record?
[01:14:38.300 --> 01:14:38.800]  Yes.
[01:14:38.800 --> 01:14:41.840]  Okay. Who did the assignment?
[01:14:44.160 --> 01:14:45.600]  And who did they assign to?
[01:14:47.360 --> 01:14:48.720]  Science of America, I think.
[01:14:49.680 --> 01:14:54.320]  No, no. There was two questions. Who did the assignment?
[01:14:56.240 --> 01:14:56.740]  MERS.
[01:14:58.080 --> 01:14:59.040]  Can you say that again?
[01:14:59.520 --> 01:15:04.320]  I think it was like probably, was it an, I think it was an agent from SunTrust that had MERS.
[01:15:04.320 --> 01:15:07.760]  MERS. Okay. So it was MERS.
[01:15:09.200 --> 01:15:14.880]  Does it say that MERS was acting as an agent for SunTrust?
[01:15:20.640 --> 01:15:21.680]  Don't know, not sure.
[01:15:21.680 --> 01:15:26.480]  Okay. Okay. Check that. That's important because if MERS,
[01:15:26.480 --> 01:15:34.480]  if it says that MERS is acting as the mortgagee, then you can claim that the document is fraudulent.
[01:15:35.440 --> 01:15:42.240]  If MERS is claiming that MERS is acting as a nominee for the lender and the lender's
[01:15:42.240 --> 01:15:53.440]  assigns, successors and assigns without naming the lender, then you can claim that the assignment is bogus.
[01:15:53.440 --> 01:15:59.200]  Okay. The reason I ask if SunTrust was still in business is a lot of times MERS will do this after
[01:15:59.200 --> 01:16:06.480]  the original lender has went out of business. Okay. So from SunTrust to Bank of America?
[01:16:09.440 --> 01:16:09.940]  Yep.
[01:16:10.960 --> 01:16:16.560]  Okay. And is the Bank of America in a national association?
[01:16:16.560 --> 01:16:24.160]  In a national association? Well, you know something, it was from, it was from SunTrust to I think
[01:16:24.160 --> 01:16:33.680]  residential to LaSalle and then from LaSalle to Bank of America, even though it emerged,
[01:16:33.680 --> 01:16:41.840]  it was kind of crazy, but. Well, that's a good, that's a right thing to do if
[01:16:41.840 --> 01:16:48.240]  LaSalle merged with Bank of America. Most of the time they don't file a
[01:16:49.520 --> 01:16:54.400]  transfer in the security, in the public record if they did. If they filed one,
[01:16:54.400 --> 01:16:58.160]  they actually did that right. Hang on, go to break, be right back.
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[01:19:58.480 --> 01:20:09.840]  Okay, we are back. Randy Kelton here with Omar in Connecticut. One of the things I
[01:20:09.840 --> 01:20:19.120]  need to do is get you to send me an email at randy at ruvalradio.com and I will forward
[01:20:19.120 --> 01:20:27.680]  your email to Dan Real in Connecticut. He helps people with mortgage issues that are specific to
[01:20:27.680 --> 01:20:35.200]  Connecticut. But what I've been doing is walking through the basics. This is the place we start on
[01:20:35.200 --> 01:20:46.800]  everything looking for problems. So we have a transfer from the original lender, which is SunTrust
[01:20:48.960 --> 01:20:55.360]  to someone else. What was the bank that merged with Bank of America? I think it was LaSalle.
[01:20:55.360 --> 01:21:06.640]  LaSalle, okay. I've ran into LaSalle before and then there's a transfer from LaSalle to Bank of
[01:21:06.640 --> 01:21:16.560]  America. Is Bank of America the one that's doing the foreclosure? Yes. Okay, so you have a lawyer
[01:21:16.560 --> 01:21:28.000]  for Bank of America. Do you have knowledge concerning the possible securitization of the note?
[01:21:32.160 --> 01:21:38.240]  Here's where I'm going. Bank of America is going to be the servicer,
[01:21:38.240 --> 01:21:48.080]  not the holder. What was transferred to Bank of America by the court record was the security
[01:21:48.080 --> 01:21:59.360]  instrument, not the debt instrument. So since we appear to have a clean chain of title, I don't
[01:21:59.360 --> 01:22:12.240]  find any serious anomalies here. Then the question we can raise is, does Bank of America actually
[01:22:12.240 --> 01:22:19.440]  hold the entire document, the entire mortgage, or do they only hold the security instrument?
[01:22:21.680 --> 01:22:27.920]  If they don't hold the security instrument, then they will have to act at a time,
[01:22:27.920 --> 01:22:33.760]  act as an agent for the proper holder, and they'd have to identify the proper holder.
[01:22:34.880 --> 01:22:44.960]  One of the things that a number of people are doing are going to the bank with an offer to cure
[01:22:48.320 --> 01:22:51.440]  on the condition that the bank prove up chain of title.
[01:22:51.440 --> 01:23:01.920]  Okay. And if they have securitized the note, then Bank of America is not the holder.
[01:23:03.040 --> 01:23:06.880]  It's merely a servicer, and you can take a shot at them that way.
[01:23:09.920 --> 01:23:18.160]  How much behind are these people on their payments? Probably about two years.
[01:23:18.160 --> 01:23:25.760]  Two years. So they will have paid about seven years.
[01:23:27.600 --> 01:23:35.440]  And how much was the original mortgage? You know what? I'm not sure. Probably about
[01:23:35.440 --> 01:23:44.080]  a cox of a thousand. Maybe $200,000 or so. $200,000. Let me look at my spreadsheet and
[01:23:44.080 --> 01:23:51.120]  see what I can find on that. 06-110. Let's see if I've got one close here.
[01:23:56.160 --> 01:24:04.080]  Well, I've got 130. 06-130.
[01:24:04.080 --> 01:24:16.720]  The estimated current principal is 113. So they knocked off 20, about 200.
[01:24:17.440 --> 01:24:22.720]  They should owe about $160,000 to the bank. Okay.
[01:24:23.600 --> 01:24:26.800]  That gives them about 40,000 equity in the property.
[01:24:26.800 --> 01:24:37.200]  Is their financial condition temporary? Are they in a situation where they can recover?
[01:24:37.200 --> 01:24:45.360]  You know, I think probably they could. Okay. What I suggest is, you know, we do
[01:24:45.360 --> 01:24:53.120]  the show and do the reform, and we're all about fighting the banks. But in the end,
[01:24:53.120 --> 01:24:57.840]  it's sometimes a lot better not to fight with the banks, but see if you can make a deal with the
[01:24:57.840 --> 01:25:08.480]  banks. We don't appear to have any chain of title issues as concerns the public record.
[01:25:09.440 --> 01:25:11.680]  There may be, because I haven't seen the public record.
[01:25:14.480 --> 01:25:18.640]  What you might get these folks to consider is get ahold of that HUD one,
[01:25:18.640 --> 01:25:24.880]  and then run a calculation as if all of the fees on the HUD one were fraudulent,
[01:25:25.840 --> 01:25:30.400]  because they didn't prove them up, and you don't have to stipulate to their validity.
[01:25:30.400 --> 01:25:38.720]  So you claim they're all fraudulent. And all you need, once there is a
[01:25:38.720 --> 01:25:47.840]  acceleration, a notice of acceleration, all you need is $35 in false fees, and you can file a notice
[01:25:47.840 --> 01:25:54.960]  of rescission. Even on a first purchase, or it would have to be a refinance?
[01:25:56.160 --> 01:25:58.720]  Doesn't matter. Oh, okay.
[01:25:59.360 --> 01:26:02.320]  Doesn't matter what the note is. You can rescind it.
[01:26:02.320 --> 01:26:10.160]  If you can show more than $35 in unsupportable fees, it doesn't matter if the fee was valid or
[01:26:10.160 --> 01:26:16.000]  not. They have to be able to prove it was valid. And if they've got an administration fee, a
[01:26:16.000 --> 01:26:23.680]  warehousing fee, a document preparation fee, those are all bogus. So you make the claim for
[01:26:23.680 --> 01:26:29.600]  rescission, and the bank's going to jump up and down and wave their hands and rail in righteous
[01:26:29.600 --> 01:26:36.400]  indignation, and you go to them and say, tell you what, guys, let's make a deal. Make a deal with
[01:26:36.400 --> 01:26:45.920]  the bank. If this is potentially temporary, make a deal with them to reinstate the note and
[01:26:45.920 --> 01:26:52.960]  knock off some of the, knock off all the late fees, and knock off a portion of the principal
[01:26:52.960 --> 01:26:58.240]  and reinstate this thing. And we all get back and go home and don't have a fight.
[01:27:00.800 --> 01:27:01.440]  Okay.
[01:27:03.360 --> 01:27:07.680]  If you had some really dead-banged stuff, then I'd say, let's fight them.
[01:27:07.680 --> 01:27:17.120]  Kick them around till you get a better deal, but you don't have enough here. What you might try to
[01:27:17.120 --> 01:27:28.320]  get them to do is get a security, securitization audit. The previous caller was talking about
[01:27:28.320 --> 01:27:38.400]  McCaffrey, and I don't know him, but the previous caller was in New York, so he's on the East Coast.
[01:27:38.400 --> 01:27:45.840]  This stuff was Shane. Matter of fact, Shane's still hanging around. Let's see what he's got to say.
[01:27:48.240 --> 01:27:49.920]  Shane, are you still there?
[01:27:49.920 --> 01:28:02.160]  Shane, are you still there? Maybe not. He still shows up on my call board. Maybe I put him to sleep.
[01:28:03.440 --> 01:28:12.320]  I do that to people. Okay. But anyway, get a securities audit. That might give you some
[01:28:12.320 --> 01:28:19.600]  indication that the note, that the right to be paid on the note is not in the hands of Bank of America.
[01:28:19.600 --> 01:28:21.600]  Okay.
[01:28:21.600 --> 01:28:28.320]  There's actually a lot of things you can do. How close to actual foreclosure are they?
[01:28:28.320 --> 01:28:33.200]  I think they have a hearing in July or something.
[01:28:33.200 --> 01:28:39.440]  Oh, I'm sorry. I'm sorry. You said they filed a petition, and now you have to answer the petition.
[01:28:39.440 --> 01:28:42.640]  Right.
[01:28:42.640 --> 01:28:46.640]  Okay. If they're having trouble answering the petition,
[01:28:49.120 --> 01:28:55.920]  first thing you do is put together an answer that says that you deny all claims by lender,
[01:28:56.960 --> 01:29:03.680]  and look at the claims that they have and just deny each one of them. I deny this claim and deny
[01:29:03.680 --> 01:29:10.080]  this claim and deny this claim and file it. Okay. If you don't know how to get it done and you need
[01:29:10.080 --> 01:29:19.680]  more time, you only have 20 days to get this thing filed, get something filed. Okay. It doesn't matter
[01:29:19.680 --> 01:29:28.160]  if it's trash. Little story. Steve Skidmore. We were doing legal reform, and this is when the
[01:29:28.160 --> 01:29:35.520]  foreclosure issue first began, and I was beginning to research the subject. Steve came to me and said,
[01:29:35.520 --> 01:29:41.760]  I got an eviction hearing in two days. He said, you got to help me out. I need his lawsuit.
[01:29:42.800 --> 01:29:47.920]  And I said, man, I don't have a lawsuit. So I'm still doing my research. And I said,
[01:29:47.920 --> 01:29:52.480]  I don't have time for you to do research. So I'll pick this up on the other side,
[01:29:52.480 --> 01:30:04.320]  you like this. We'll be right back. All right. These days, the government seems to have its hands
[01:30:04.320 --> 01:30:10.400]  in almost every activity. Believe it or not, in some places, even dying is illegal. I'm Dr.
[01:30:10.400 --> 01:30:13.920]  Catherine Alberts, and I'll be back with the colorful details in just a moment.
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[01:30:25.040 --> 01:30:30.320]  So protect your rights, say no to surveillance, and keep your information to yourself.
[01:30:30.320 --> 01:30:34.960]  Privacy, it's worth hanging on to. This public service announcement is brought to you by
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[01:30:40.480 --> 01:30:48.160]  Start over with StartPage. Dying is illegal in Florida. Dying your pet, that is. The city of
[01:30:48.160 --> 01:30:55.440]  Jacksonville fined Christine Hill $250 for coloring her pet poodle's paws pink for Halloween. She had
[01:30:55.440 --> 01:31:00.960]  used a harmless dye specially made for dogs, but no matter. Artificially coloring your pet's fur
[01:31:00.960 --> 01:31:06.560]  is a violation in her state. The dog wasn't chained up in a vacant lot, caged puppy mill style,
[01:31:06.560 --> 01:31:11.200]  or abused. Rather, Hill and her beautifully groomed poodle were taking a leisurely walk
[01:31:11.200 --> 01:31:16.400]  when they were accosted and fined by a city animal control officer. The law was created to
[01:31:16.400 --> 01:31:20.800]  prevent harm to animals, and I'm all for protecting animals. But what about common sense?
[01:31:21.600 --> 01:31:26.000]  I'm Dr. Katherine Albrecht. More news and information at KatherineAlbrecht.com.
[01:31:30.400 --> 01:31:35.920]  This is building seven, a 47-story skyscraper that fell on the afternoon of September 11th.
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[01:33:09.200 --> 01:33:33.440]  Okay, we are back. Randy Kelton, Jeeva Radio, and we're talking to Omar in Connecticut.
[01:33:33.440 --> 01:33:42.480]  And he came to me. He had two days to an eviction hearing. And he needed a lawsuit. And I told him,
[01:33:42.480 --> 01:33:45.840]  I hadn't done all my research. He said, I don't have time for your research. I need a lawsuit.
[01:33:45.840 --> 01:33:54.080]  So I got on the Internet, and I dug up a bunch of wrongful foreclosure lawsuits and,
[01:33:54.080 --> 01:33:58.000]  ah, this looks good. And I drug it out and dropped it in the suit. Ah, this over here looks good.
[01:33:58.000 --> 01:34:04.240]  And I dropped a bunch of stuff in there. And he filed it. And the lawyer on the other side came back.
[01:34:04.240 --> 01:34:11.760]  We filed it within the time limit. The lawyer on the other side came back, Your Honor, this suit's a
[01:34:11.760 --> 01:34:20.240]  piece of crap. And the judge looked at it, and he said, yeah, it is. A major pleading. So we filed
[01:34:20.240 --> 01:34:26.880]  an amendment. Lawyer come back, the amendment's a piece of crap. Judge said, yeah, it is. Fix it.
[01:34:26.880 --> 01:34:35.680]  So we filed a third one, and the third one took. But when he filed that first one, it was a piece
[01:34:35.680 --> 01:34:43.840]  of garbage. Then the next day he went to the eviction hearing and told the court, the judge
[01:34:43.840 --> 01:34:49.440]  that he had filed a suit against the lender. And the judge said, what are you doing in my court?
[01:34:49.440 --> 01:34:56.800]  I don't have jurisdiction. Get out of here. Stop the foreclosure. Wow. Point. You have
[01:34:56.800 --> 01:35:07.360]  a response to the suit to file. File something. If you run out of time, file something. If you're
[01:35:07.360 --> 01:35:16.240]  working on a document and it's not complete, just file it. Make sure you deny everything.
[01:35:16.240 --> 01:35:21.280]  First thing you do is deny everything. You can write in a counterclaim. They already denied it,
[01:35:21.280 --> 01:35:28.160]  and they already got sub-rejudgment. So that's why I was calling. I denied everything. Oh,
[01:35:28.160 --> 01:35:32.240]  they got a default. So did they get the default because they didn't answer the suit?
[01:35:33.440 --> 01:35:41.280]  No. Well, what happened is they answered the suit, and I guess the judge did some
[01:35:41.280 --> 01:35:57.760]  re-judgment or something like that. I think it's called sub-rejudgment, and so he filed against them. Hold on, hold on. Okay. If they answered the suit
[01:35:59.360 --> 01:36:04.000]  and the other side had to file for summary judgment because they're claiming that the
[01:36:04.000 --> 01:36:15.520]  answer was insufficient. Right. How long ago did they get the summary judgment? I think they got it in 2013.
[01:36:17.920 --> 01:36:26.560]  They're way too late. Okay. Yeah, if it's that long. I'm thinking 20 days maybe,
[01:36:26.560 --> 01:36:36.560]  but if it's 2013, they're beyond the ability to go back unless they can go back and find some serious fraud.
[01:36:36.560 --> 01:36:48.560]  And from what you've told me so far, I don't see serious fraud. I don't see an unfixable break in the chain of title.
[01:36:48.560 --> 01:37:00.560]  Remember what I mean by that? Say you've got Washington Mutual Bank. Washington Mutual Bank goes out of business and Chase takes over all of their assets.
[01:37:00.560 --> 01:37:10.560]  But Washington Mutual Bank, before they went out of business, didn't file a transfer of the security instrument to Chase Manhattan Bank.
[01:37:10.560 --> 01:37:24.560]  So, oh, I'm sorry, to JP Morgan Chase. So there's an unfixable break in the chain of title because JP Morgan's dead.
[01:37:24.560 --> 01:37:32.560]  You can't bring them back from the dead to get them to do an assignment. So now you've got a claim, a really good claim you could make that way.
[01:37:32.560 --> 01:37:42.560]  Because it sounds like the assignments are in place. It does not sound like they have a really definitive claim.
[01:37:42.560 --> 01:37:54.560]  So even like one of the endorsement on the allowance, like let me tell you, when they first started the case, I guess they had the note was so-called without an allowance.
[01:37:54.560 --> 01:38:02.560]  And when they filed a summary judgment, there was an allowance with an attorney in fact, I think it's called or something like that.
[01:38:02.560 --> 01:38:14.560]  Well, the problem is if it was 13, you only have a limited amount of time to raise an objection or you waive it.
[01:38:14.560 --> 01:38:25.560]  So they're beyond, the only thing that we could go back at this point with would be challenge subject matter jurisdiction.
[01:38:25.560 --> 01:38:27.560]  Oh, okay.
[01:38:27.560 --> 01:38:34.560]  Challenge subject matter jurisdiction can be filed at any time, no matter how remote in history.
[01:38:34.560 --> 01:38:44.560]  And that's one of the things we use for this kind of thing. But you'd have to go back and be able to show that the judge did not have subject matter jurisdiction.
[01:38:44.560 --> 01:39:01.560]  And one of the ways you get to that is by showing that the plaintiff who initiated the case and who originally by his original pleading invoked the subject matter jurisdiction of the court.
[01:39:01.560 --> 01:39:07.560]  You must show that he lacked legal capacity to do that.
[01:39:07.560 --> 01:39:14.560]  For instance, back to the JP Morgan Chase and Washington Mutual issue.
[01:39:14.560 --> 01:39:22.560]  Washington Mutual had a claim and Washington Mutual would be able to invoke subject matter jurisdiction of the court.
[01:39:22.560 --> 01:39:33.560]  JP Morgan had nothing in the record showing that they had a claim. So they could not invoke the judge's subject matter jurisdiction.
[01:39:33.560 --> 01:39:35.560]  Does that make sense?
[01:39:35.560 --> 01:39:36.560]  That makes sense.
[01:39:36.560 --> 01:39:58.560]  But we don't have that here. Just from what I've seen, I don't see anything really substantial. And if it's 13, they still may just have time to sue based on false fees.
[01:39:58.560 --> 01:40:00.560]  But that's a whole other issue.
[01:40:00.560 --> 01:40:05.560]  Oh, okay. Is it an independent action or something?
[01:40:05.560 --> 01:40:09.560]  The false fee suit could well go to fraud.
[01:40:09.560 --> 01:40:16.560]  And they might be able to sue on that, but you need to pick your battles real careful.
[01:40:16.560 --> 01:40:24.560]  It'll be really, really hard to win this case at this late point in history.
[01:40:24.560 --> 01:40:32.560]  Without a definitive challenge to subject matter jurisdiction claim you can make.
[01:40:32.560 --> 01:40:39.560]  I really don't know how you would get there.
[01:40:39.560 --> 01:40:44.560]  However, send me an email. I'll get it to Dan Real.
[01:40:44.560 --> 01:40:52.560]  He is in Connecticut and he's very familiar with the foreclosure process, especially in Connecticut.
[01:40:52.560 --> 01:40:57.560]  All righty. Well, thank you so much for talking to me, Randy.
[01:40:57.560 --> 01:41:06.560]  Okay. You are welcome. And here we are. We've got another segment and I've got a couple minutes.
[01:41:06.560 --> 01:41:18.560]  There's something for those that are still here that I'd like to talk about. Doesn't have anything to do with law.
[01:41:18.560 --> 01:41:28.560]  About 10 years ago, I was working with my son and maybe 20 now and he stepped off the back of my trailer. It's about four feet high.
[01:41:28.560 --> 01:41:34.560]  And just stepped off and landed on the ground, sprung on his knees and walked away.
[01:41:34.560 --> 01:41:40.560]  And I watched him do that and I thought, you know, there was a time I could do that.
[01:41:40.560 --> 01:41:46.560]  But if I did that today, I'd feel like somebody hit me in the back with a sledgehammer.
[01:41:46.560 --> 01:41:57.560]  And so I went to work on it. It was clear when I paid attention to it that my back was stiff, much stiffer than it was when I was young.
[01:41:57.560 --> 01:42:06.560]  But it comes on really slow. And for the most part, we don't notice it. We just feel like we're getting old and stiff.
[01:42:06.560 --> 01:42:11.560]  But I started doing some research and I found a lot of really interesting techniques.
[01:42:11.560 --> 01:42:17.560]  The ones that were the most effective were brush point therapy.
[01:42:17.560 --> 01:42:29.560]  One of the things that I primarily found out, and this was from something called the body prudent method, what they call pain erasure.
[01:42:29.560 --> 01:42:38.560]  And what they do is they find a place that hurts to press on it and they essentially press on it until it quits hurting.
[01:42:38.560 --> 01:42:52.560]  It's a little more sophisticated than that, but if you press on a muscle and it, press on a place that hurts, I'm sorry, if you press on a muscle and it hurts, the muscle's in spasm.
[01:42:52.560 --> 01:43:00.560]  If you grab your bicep and squeeze it, you really got to squeeze it hard for it to give you the discomfort.
[01:43:00.560 --> 01:43:05.560]  Because your bicep's a long muscle and it can't hardly go into spasm.
[01:43:05.560 --> 01:43:17.560]  Unless you tear apart that muscle, the part you tear, it will lock down, go into atrophy, until it heals and then movement will stretch it back out.
[01:43:17.560 --> 01:43:24.560]  In your back and in your hips, you've got large, powerful muscles that barely move.
[01:43:24.560 --> 01:43:29.560]  If you strain one of those, they will tend to lock down, go into atrophy.
[01:43:29.560 --> 01:43:34.560]  You have a mechanism to lock those muscles down until they heal.
[01:43:34.560 --> 01:43:40.560]  Problem, you don't have a mechanism to ever release them.
[01:43:40.560 --> 01:43:44.560]  That's what chiropractors try to do. That's what massage therapists try to do.
[01:43:44.560 --> 01:43:50.560]  And that's what acupressure practitioners do.
[01:43:50.560 --> 01:43:54.560]  And we'll come back on the other side. I want to talk about a tool I made to do that with.
[01:43:54.560 --> 01:43:56.560]  And I'll make it available to anybody who will.
[01:43:56.560 --> 01:43:59.560]  This is Randy Kelton. We'll be right back.
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[01:46:22.560 --> 01:46:38.560]  Okay, we are back. Randy Kelton, Rule of Law Radio, and we're talking about something that has nothing to do with law.
[01:46:38.560 --> 01:46:44.560]  It has to do with living a better life.
[01:46:44.560 --> 01:46:59.560]  I was talking to someone recently, a lawyer, and he was talking about suing for a body injury, and he mentioned this syndrome.
[01:46:59.560 --> 01:47:07.560]  He said if you want to be able to collect, you go in the doctor and tell him you have shooting pain.
[01:47:07.560 --> 01:47:14.560]  And the allopathic doctors have no idea what that is. They can't diagnose it.
[01:47:14.560 --> 01:47:19.560]  So if you tell them you've got shooting pains, it'll always give you disability.
[01:47:19.560 --> 01:47:31.560]  Well, duh. Most of us who have lived a relatively rugged life, we know exactly what those shooting pains are.
[01:47:31.560 --> 01:47:44.560]  They're old injuries. They're damaged muscles. But in paying real close attention, all it is is muscles and atrophy.
[01:47:44.560 --> 01:47:51.560]  It's just muscles that you've damaged and they've locked down, and you never pulled them loose.
[01:47:51.560 --> 01:47:58.560]  And sometimes you move in a way that such that the muscles around it can't take up the movement,
[01:47:58.560 --> 01:48:02.560]  and you jerk against that muscle and it bites you.
[01:48:02.560 --> 01:48:10.560]  But then when you move off of it, it disappears because in your back and in your hips, you have these large muscles.
[01:48:10.560 --> 01:48:14.560]  They barely move. You injure one of them, it locks down.
[01:48:14.560 --> 01:48:21.560]  The idea is it locks down until it heals, and then your movement will pull it back out,
[01:48:21.560 --> 01:48:29.560]  except in the back and your hips, you have these muscles that move, just barely move.
[01:48:29.560 --> 01:48:35.560]  Big strong muscles barely move. You damage one of those, it locks down, it gets sensory motor amnesia.
[01:48:35.560 --> 01:48:42.560]  It stays locked down. The mechanism to pull it out is extension.
[01:48:42.560 --> 01:48:49.560]  These muscles move so little, we never pull them out. Anybody who's ever seen someone with dowager's hump,
[01:48:49.560 --> 01:48:56.560]  people as they get older, they hunch over. That's muscle tension, nothing else.
[01:48:56.560 --> 01:49:04.560]  You damage a muscle in your upper back, which we all do all the time because of the way human beings are put together
[01:49:04.560 --> 01:49:12.560]  with relatively new construction and we have some issues, especially the muscles, the upper back under the clavicle
[01:49:12.560 --> 01:49:21.560]  and under the scapula, the shoulder blade, and around the clavicle. We damage those all the time.
[01:49:21.560 --> 01:49:27.560]  We damage one, and then the ones around it begin to take up that extension, and then we wind up
[01:49:27.560 --> 01:49:32.560]  stretching one of those, and it locks down, and we stretch another one, and it locks down,
[01:49:32.560 --> 01:49:36.560]  and we just gradually stiffen up and bend over. Same thing with our hips.
[01:49:36.560 --> 01:49:41.560]  We injure a muscle in the hip, it locks down. The others overextend to take up the movement.
[01:49:41.560 --> 01:49:47.560]  You injure one of those, it locks down, and it just gradually radiates out.
[01:49:47.560 --> 01:49:59.560]  The people who do yoga and acupressure therapy, when you start unwinding these injuries,
[01:49:59.560 --> 01:50:08.560]  they call it chasing the dragon because, say, a acupressure or myotherapist who will go in
[01:50:08.560 --> 01:50:14.560]  and apply pressure to the muscle to release it, he'll release the muscle, and then another one will start hurting.
[01:50:14.560 --> 01:50:17.560]  He'll release that one, and then another one will start hurting.
[01:50:17.560 --> 01:50:25.560]  So what he's doing, essentially, is backing back into your injuries, and what the myotherapist does,
[01:50:25.560 --> 01:50:33.560]  that's called the Bonnie Pruden method, pain erasure, is they'll find a muscle that hurts.
[01:50:33.560 --> 01:50:38.560]  If you press on it, it hurts. So what they want to do is they want to press on it,
[01:50:38.560 --> 01:50:47.560]  and they want you to tell them if on a scale of 1 to 10, 10 would be the point at which you would tense from the irritation.
[01:50:47.560 --> 01:50:52.560]  You move a finger or something to let them know when they get to about a 7.
[01:50:52.560 --> 01:50:57.560]  Just so they're irritating the muscle, but they're not hurting it so much that you would cringe,
[01:50:57.560 --> 01:51:02.560]  because if you cringe, you tend to tighten the muscle back up, and it makes it worse.
[01:51:02.560 --> 01:51:08.560]  So they only want to annoy it, and they're going to annoy it for 7 seconds,
[01:51:08.560 --> 01:51:15.560]  because their research shows that's how long it takes to send a message to the mind saying,
[01:51:15.560 --> 01:51:18.560]  you're holding the muscle too tight.
[01:51:18.560 --> 01:51:26.560]  We have a natural mechanism to lock it down, but we don't have one to release it.
[01:51:26.560 --> 01:51:36.560]  Except pain, pain releases it. Pain tells it, yo, Bubba, you're holding this too tight, back off.
[01:51:36.560 --> 01:51:43.560]  And not just a sharp pain, a sharp pain won't do it. It takes several seconds, generally about 7 seconds.
[01:51:43.560 --> 01:51:48.560]  So what they do with myotherapy is find a place to press on it, it hurts.
[01:51:48.560 --> 01:51:55.560]  And if you have back pain, if you have spasms, if you have somebody press on different spots in your back,
[01:51:55.560 --> 01:52:00.560]  you will be amazed at how sore it is.
[01:52:00.560 --> 01:52:04.560]  You will have places that when somebody puts their finger on it,
[01:52:04.560 --> 01:52:09.560]  it feels like somebody's sticking a hot match through you.
[01:52:09.560 --> 01:52:13.560]  And you didn't even know that was there until somebody touched it.
[01:52:13.560 --> 01:52:19.560]  It's how this works. You can sense your motor amnesia. You don't feel it.
[01:52:19.560 --> 01:52:27.560]  Somebody touches it, you feel it. So what they do is they find these places and they work away from the really sore spot
[01:52:27.560 --> 01:52:33.560]  and they'll press for 7 seconds and move about an inch and press again
[01:52:33.560 --> 01:52:37.560]  and work around the really sore spot and work up to it.
[01:52:37.560 --> 01:52:43.560]  And yes, an amount of pain, but it's a very bearable amount of pain.
[01:52:43.560 --> 01:52:50.560]  And a lot of these places, somebody will press on it for you and you'll say, oh, that hurts so good.
[01:52:50.560 --> 01:52:53.560]  You can tell that it's relieving the tension.
[01:52:53.560 --> 01:53:00.560]  And when they're finished, you will be amazed at how the pain goes away.
[01:53:00.560 --> 01:53:07.560]  But what happens is, especially for older, we have something that really gives us grief.
[01:53:07.560 --> 01:53:09.560]  It's really easy to get rid of.
[01:53:09.560 --> 01:53:17.560]  You want to go punch your doctor because the muscle that is the most sore is the easiest remedy.
[01:53:17.560 --> 01:53:20.560]  It'll go away quickly.
[01:53:20.560 --> 01:53:26.560]  I was doing some stretches of my calf muscles and I strained a muscle in the front of my foot,
[01:53:26.560 --> 01:53:30.560]  but the next day I got up, I could hardly walk.
[01:53:30.560 --> 01:53:36.560]  I did pressure points on it for 10 minutes and in 15 minutes it was gone.
[01:53:36.560 --> 01:53:42.560]  A strained muscle, so bad I could barely walk, in 15 minutes it was gone.
[01:53:42.560 --> 01:53:47.560]  Most of the strained muscles that we think are strained are not.
[01:53:47.560 --> 01:53:51.560]  We just annoyed them and they went into spasm.
[01:53:51.560 --> 01:53:56.560]  You put pressure on it, irritate it, the spasm goes away.
[01:53:56.560 --> 01:54:06.560]  I'm an engineer and I've been a long time working on my back and shoulders to try to get all this tension out of them.
[01:54:06.560 --> 01:54:17.560]  But our bodies are not put together for us to be able to apply pressure to muscles on our back and hips.
[01:54:17.560 --> 01:54:19.560]  We just can't reach them.
[01:54:19.560 --> 01:54:23.560]  So I designed a tool.
[01:54:23.560 --> 01:54:27.560]  It's been several months I've been designing it and redesigning it.
[01:54:27.560 --> 01:54:29.560]  That's what the engineers do.
[01:54:29.560 --> 01:54:31.560]  But I finally got a piece put together.
[01:54:31.560 --> 01:54:35.560]  It's all made up out of PVC pipe.
[01:54:35.560 --> 01:54:37.560]  I'll buy all the fittings to fix it with.
[01:54:37.560 --> 01:54:43.560]  It cost me about 12 bucks and a couple bucks for a can of glue.
[01:54:43.560 --> 01:54:49.560]  And you glue these pieces together and it has a number of pieces.
[01:54:49.560 --> 01:54:56.560]  So anybody who's interested in this, I will send you photographs of it.
[01:54:56.560 --> 01:55:00.560]  As I get time, I'm making up a set of plans for how to build it.
[01:55:00.560 --> 01:55:02.560]  Once you look at it, it will be obvious how to build it.
[01:55:02.560 --> 01:55:10.560]  Because you can go to the hardware store and plastic pipe section and get everything you need to stick this together with.
[01:55:10.560 --> 01:55:19.560]  Then I'll explain, if I get a bunch of people who are interested in it, I'll make up an explanation of how to use this thing.
[01:55:19.560 --> 01:55:30.560]  If you go online and look up myotherapy, M-Y-O therapy, you will find the Bonnie Pruden method.
[01:55:30.560 --> 01:55:36.560]  And they show you how to apply pressure to these muscles to get rid of these muscle spasms.
[01:55:36.560 --> 01:55:41.560]  But they do it with an operator doing it to someone.
[01:55:41.560 --> 01:55:47.560]  And what I found when I built this tool, I designed it to use in bed.
[01:55:47.560 --> 01:55:53.560]  Because if you lay on it, because this way you can put it underneath you and lay on it.
[01:55:53.560 --> 01:55:58.560]  But since you're on a mattress, as you apply pressure to it, it kind of sinks in the bed.
[01:55:58.560 --> 01:56:07.560]  So you have a longer range of pressure. If it's on the floor and you lean on it, it pokes you real hard immediately.
[01:56:07.560 --> 01:56:15.560]  But if you've got it on the bed, it kind of sinks in so you can gradually lean on it and apply pressure.
[01:56:15.560 --> 01:56:31.560]  This was tremendously better than having somebody else do this because I could feel exactly where it needed to be pressure pointed.
[01:56:31.560 --> 01:56:37.560]  I could control exactly the right amount of pressure.
[01:56:37.560 --> 01:56:47.560]  Right now I'm about to turn 66. And I could walk off the back of that four foot trailer now.
[01:56:47.560 --> 01:56:51.560]  And hit the ground and it wouldn't feel like I was hit by a sledgehammer.
[01:56:51.560 --> 01:56:57.560]  I was just in the courthouse the other day and I tend to take two steps at once.
[01:56:57.560 --> 01:57:02.560]  But for a long time I've been using the handrail, one hand on the handrail.
[01:57:02.560 --> 01:57:08.560]  I went up two stairs at once and I didn't run. I just stepped up two stairs at once.
[01:57:08.560 --> 01:57:13.560]  No difficulty, no strain. I don't groan when I don't...
[01:57:13.560 --> 01:57:18.560]  That's where I groan every time I stood up. That's all gone.
[01:57:18.560 --> 01:57:25.560]  What I am most amazed about is how much more energy I have.
[01:57:25.560 --> 01:57:33.560]  I attribute that to the fact that I had all of these muscles that I've been holding in tension for forever.
[01:57:33.560 --> 01:57:40.560]  And when I try to do things I have these muscles working against one another.
[01:57:40.560 --> 01:57:45.560]  Most people you move your head around and it crunches and crackles.
[01:57:45.560 --> 01:57:49.560]  Or a lot of people pop their neck and back and shoulders.
[01:57:49.560 --> 01:57:54.560]  You can't pop my neck or back or shoulders. They don't pop.
[01:57:54.560 --> 01:57:58.560]  When I hit the ground it doesn't crunch and crackle.
[01:57:58.560 --> 01:58:06.560]  If it crunches and crackles I'll go in there with that pressure point and pressure those muscles and it goes away.
[01:58:06.560 --> 01:58:11.560]  I used to pop my neck every 10 minutes for 25 years because I had so much neck troubles.
[01:58:11.560 --> 01:58:16.560]  You cannot pop my neck anymore. The only way my neck will pop is if you rip my head off.
[01:58:16.560 --> 01:58:21.560]  So if anybody is interested in this, send me an email. I'll send you plans on it.
[01:58:21.560 --> 01:58:27.560]  It will absolutely be worth your time and you'll want to go punch your doctor right in the face.
[01:58:27.560 --> 01:58:34.560]  You live with all this pain and all that rat poison to get you to not feel the pain.
[01:58:34.560 --> 01:58:38.560]  Randy Kelton, Wheel of Law Radio, thank you all for listening.
[01:58:38.560 --> 01:58:45.560]  We will be back next Thursday same at 8 o'clock and make sure you get Catch Eddie Craig on Monday.
[01:58:45.560 --> 01:58:51.560]  Thank you all for listening and good night.
[01:59:16.560 --> 01:59:20.560]  or visit us online at bfa.org.
[01:59:20.560 --> 01:59:27.560]  This translation is highly accurate and it comes with over 13,000 cross references plus charts and maps
[01:59:27.560 --> 01:59:32.560]  and an outline for every book of the Bible. This is truly a Bible you can understand.
[01:59:32.560 --> 01:59:40.560]  To get your free copy of the New Testament Recovery Version call us toll free at 888-551-0102.
[01:59:40.560 --> 01:59:49.560]  That's 888-551-0102 or visit us online at bfa.org.
[01:59:49.560 --> 02:00:11.560]  Looking for some truth? You found it, LogosRadioNetwork.com.