[00:00.000 --> 00:06.000]  The following news flash is brought to you by the Lone Star Lowdown, providing you daily
[00:06.000 --> 00:13.000]  bulletins for the commodities market, today in history, news updates, and the inside scoop
[00:13.000 --> 00:21.000]  into the tides of the alternative.
[00:21.000 --> 00:28.000]  Markets for the 16th of October 2015 opened up with gold at $1,182.05 an ounce, silver
[00:28.000 --> 00:34.000]  at $16.09 an ounce, Texas crude at $46.38 a barrel, and Bitcoin that's on its way up,
[00:34.000 --> 00:44.000]  currently sitting at roughly $265 U.S. currency.
[00:44.000 --> 00:49.000]  Today in history, Wednesday, October 16, 2013, the United States ends its 16-day governmental
[00:49.000 --> 00:54.000]  shutdown and avoids default on its debt by raising the debt ceiling and incurring more
[00:54.000 --> 01:00.000]  debt in a bipartisan Senate quagmire.
[01:00.000 --> 01:05.000]  In recent news, a natural gas pipeline explosion in Encino, South Texas, 25 miles north of
[01:05.000 --> 01:10.000]  Laredo, has forced dozens of people from their homes and canceled classes at a nearby school.
[01:10.000 --> 01:14.000]  City Manager Velma De Villa says that for safety reasons, 30 to 40 people who lived
[01:14.000 --> 01:19.000]  near the pipeline evacuated the city hall, stating that classes would be canceled for
[01:19.000 --> 01:24.000]  today at Encino Elementary School, which is only about 500 yards from the pipeline.
[01:24.000 --> 01:28.000]  Gas to the line has obviously been cut, and the fire was allowed to burn itself out.
[01:28.000 --> 01:32.000]  The pipeline operator, San Antonio-based Lewis Energy Group, says that the fire happened
[01:32.000 --> 01:35.000]  around 4.15 a.m. Central Standard Time Friday morning.
[01:35.000 --> 01:37.000]  Luckily, nobody was hurt in the blast.
[01:37.000 --> 01:44.000]  Authorities are seeking the cause.
[01:44.000 --> 01:48.000]  The Chief Executive offers the 10 of the world's largest oil and gas companies, which together
[01:48.000 --> 01:52.000]  provide almost a fifth of all the oil and gas production and supply nearly 10 percent
[01:52.000 --> 01:56.000]  of the world's energy, declared today their collective support for an effective climate
[01:56.000 --> 02:00.000]  change agreement to be reached at next month's 21st session of the United Nations Conference
[02:00.000 --> 02:04.000]  of Parties to the UN Framework on Climate Change, or Copenhagen 21.
[02:04.000 --> 02:08.000]  The CEOs of the 10 companies that currently make up the Oil and Gas Climate Initiative,
[02:08.000 --> 02:15.000]  or OGCI, are the BG Group, BP, ENI, PEMEX, Reliance Industries, Repsol, Saudi Aramco,
[02:15.000 --> 02:20.000]  Shell, and Statoil and Total, confirmed in their declaration the following,
[02:20.000 --> 02:24.000]  quote, Our shared ambition is for a two-degree Celsius future.
[02:24.000 --> 02:26.000]  It is a challenge for the whole of society.
[02:26.000 --> 02:28.000]  We are committed to playing our part.
[02:28.000 --> 02:31.000]  Over the coming years, we will collectively strengthen our actions and investments to
[02:31.000 --> 02:35.000]  contribute to reducing the greenhouse gas intensity of a global energy mix.
[02:35.000 --> 02:39.000]  Our companies will collaborate in a number of areas with the aim of going beyond the
[02:39.000 --> 02:41.000]  sum of our individual efforts.
[02:41.000 --> 02:45.000]  The OGCI was established following the discussions held during the January 2014 World
[02:45.000 --> 02:50.000]  Economic Forum annual meetings and was officially launched at the September 2014 UN
[02:50.000 --> 02:55.000]  Climate Summit.
[02:55.000 --> 03:17.000]  This has been your Lowdown for October 16, 2015.
[03:17.000 --> 03:26.000]  Okay.
[03:26.000 --> 03:27.000]  We are back.
[03:27.000 --> 03:29.000]  Randy Felton with the Radio.
[03:29.000 --> 03:31.000]  And we're talking with Faith in California.
[03:31.000 --> 03:40.000]  Faith, am I to understand that you have a foreclosure yourself that you're working on?
[03:40.000 --> 03:44.000]  Oh, I've had a foreclosure myself I've been working on for seven years.
[03:44.000 --> 03:47.000]  Okay.
[03:47.000 --> 03:51.000]  When I get someone that I first start with, here are some questions that the first thing
[03:51.000 --> 04:00.000]  I ask them to do is go to the public record, the county recorder, and ask the county
[04:00.000 --> 04:03.000]  recorder to run a search for you.
[04:03.000 --> 04:05.000]  Now we start a recorder.
[04:05.000 --> 04:10.000]  I'm an old guy and I'm computer intolerant.
[04:10.000 --> 04:13.000]  I don't tell them I'm an electrical engineer.
[04:13.000 --> 04:17.000]  I'm computer intolerant and I don't understand these things.
[04:17.000 --> 04:22.000]  Will you run me a search on this property and show me what you find?
[04:22.000 --> 04:26.000]  And then they give me the printout and they're always real accommodating about that.
[04:26.000 --> 04:33.000]  Well, I want to keep that printout because it's my position that with the change to
[04:33.000 --> 04:36.000]  electronic filing there are some issues.
[04:36.000 --> 04:39.000]  Oh, yeah.
[04:39.000 --> 04:43.000]  There's a really big issue with electronic filing of these records.
[04:43.000 --> 04:46.000]  But all the problems aren't worked out yet.
[04:46.000 --> 04:52.000]  So sometimes you can't find stuff.
[04:52.000 --> 04:56.000]  So if I go in there and tell them I can't find it and they come in and the other side
[04:56.000 --> 05:02.000]  comes in and they found it because they filed it under the wife's name or something.
[05:02.000 --> 05:04.000]  Well, that's a problem for me.
[05:04.000 --> 05:11.000]  But if I come in there and say, Your Honor, this is what the clerk can find.
[05:11.000 --> 05:18.000]  If the clerk can't find this document, then even if it is recorded, it's not properly
[05:18.000 --> 05:20.000]  recorded.
[05:20.000 --> 05:28.000]  So once I have a list of all of the documents that the clerk can find, then I want to look at it.
[05:28.000 --> 05:34.000]  Deed of trust first and one of the first things I look for is an assignment.
[05:34.000 --> 05:39.000]  This is the first thing I want to look at on that assignment.
[05:39.000 --> 05:41.000]  Who did the assignment?
[05:41.000 --> 05:46.000]  Was it the original lender or was it MERS?
[05:46.000 --> 05:47.000]  Was it somebody else?
[05:47.000 --> 05:49.000]  Often it's somebody else.
[05:49.000 --> 05:50.000]  If it was...
[05:50.000 --> 05:55.000]  Usually it's the bank that really finds the deed over to themselves.
[05:55.000 --> 05:58.000]  Usually it's the original lender.
[05:58.000 --> 06:03.000]  So first thing I do is check the Internet to see if that original lender is still in
[06:03.000 --> 06:04.000]  business.
[06:04.000 --> 06:10.000]  And if it's not in business, which is often the case, was it in business at the time the
[06:10.000 --> 06:13.000]  assignment was made?
[06:13.000 --> 06:22.000]  And one key, one clue I get on if MERS is involved, if MERS, if it says that MERS is
[06:22.000 --> 06:28.000]  doing the assignment as nominee for the lender's successors and assigns, it doesn't name the
[06:28.000 --> 06:29.000]  lender.
[06:29.000 --> 06:31.000]  That's a red flag.
[06:31.000 --> 06:36.000]  90% of the time when I go back and check, the lender's not in business at the time this
[06:36.000 --> 06:38.000]  was filed.
[06:38.000 --> 06:44.000]  Sometimes even when they do name them, the company's not in business.
[06:44.000 --> 06:50.000]  And then I look at who signed what, when.
[06:50.000 --> 07:00.000]  I probably find enough to shut down the lender on 99% of the loans I find.
[07:00.000 --> 07:04.000]  I look at the stuff I'm finding is absolutely horrendous today.
[07:04.000 --> 07:05.000]  Oh, yeah.
[07:05.000 --> 07:06.000]  I know.
[07:06.000 --> 07:08.000]  Today I did one.
[07:08.000 --> 07:17.000]  And when I opened the Deed of Trust, the one that my partner sent me, it had page one,
[07:17.000 --> 07:18.000]  then page 10.
[07:18.000 --> 07:26.000]  And then it had just, it looked like whoever went to file it dropped it outside in the
[07:26.000 --> 07:27.000]  wind.
[07:27.000 --> 07:33.000]  Gathered up all these pages and stuck them in and gave them to the clerk and they filed
[07:33.000 --> 07:34.000]  them.
[07:34.000 --> 07:39.000]  Well, I opened it, oh, it was a PDF.
[07:39.000 --> 07:45.000]  I saved it all as images and then walked down the PDF so I could get all the right pages
[07:45.000 --> 07:47.000]  back in place.
[07:47.000 --> 07:48.000]  Okay.
[07:48.000 --> 07:58.000]  And Schedule A, the Appendix A with the property description wasn't there.
[07:58.000 --> 08:03.000]  I find the most outrageous stuff.
[08:03.000 --> 08:06.000]  We've got one that's a home equity loan.
[08:06.000 --> 08:12.000]  There was a Deed of Trust and then there's a release of lien on the Deed of Trust and
[08:12.000 --> 08:14.000]  then there's a home equity loan.
[08:14.000 --> 08:19.000]  But they didn't file the home equity loan in the public record.
[08:19.000 --> 08:24.000]  If they did, I can't find it.
[08:24.000 --> 08:33.000]  Texas law says a claim against real property not properly acknowledged or proven and filed
[08:33.000 --> 08:37.000]  in the public record is void as to the holder.
[08:37.000 --> 08:42.000]  So, I don't care what the bank holds.
[08:42.000 --> 08:52.000]  If I can't find them in a direct uninterrupted line, then according to Texas law, they can
[08:52.000 --> 08:56.000]  use their claim for toilet paper.
[08:56.000 --> 09:04.000]  Washington Mutual, I've got one Long Beach Mortgage and then there's an assignment in
[09:04.000 --> 09:14.000]  there that says Long Beach Mortgage as I say merged with Washington Mutual or some other
[09:14.000 --> 09:17.000]  company, then Washington Mutual.
[09:17.000 --> 09:21.000]  And then I have, it jumps over to Chase.
[09:21.000 --> 09:30.000]  I was in court at an eviction hearing and filed a challenge to subject matter jurisdiction.
[09:30.000 --> 09:35.000]  When I find these kinds of issues, they always get a challenge to subject matter jurisdiction.
[09:35.000 --> 09:45.000]  I maintain that the petitioner lacks standing to invoke subject matter jurisdiction in the
[09:45.000 --> 09:49.000]  court and that's really important because the only time you can sue a judge is when
[09:49.000 --> 09:52.000]  he doesn't have subject matter jurisdiction.
[09:52.000 --> 10:01.000]  So, this was a one with Chase and I told the judge, your honor, the guy who owned the property
[10:01.000 --> 10:06.000]  gave me a warranty deed, not a warranty deed in the record because the lawyer said, your
[10:06.000 --> 10:07.000]  honor, I don't know who this guy is.
[10:07.000 --> 10:08.000]  He doesn't have standing.
[10:08.000 --> 10:10.000]  I said, well, I have a warranty deed in the record.
[10:10.000 --> 10:13.000]  Your honor, that warranty deed is bogus.
[10:13.000 --> 10:20.000]  I said, well, maybe it is, but it's in the record and it's in the record unchallenged
[10:20.000 --> 10:26.000]  so the court must presume that it is regular.
[10:26.000 --> 10:28.000]  And the judge said, well, how long has it been in there?
[10:28.000 --> 10:29.000]  This is August.
[10:29.000 --> 10:31.000]  I said, your honor, it's been in there since March.
[10:31.000 --> 10:35.000]  And the judge said, oh, okay.
[10:35.000 --> 10:44.000]  And then I objected to the lawyer because Chase didn't have standing and they bought
[10:44.000 --> 10:47.000]  it at foreclosure from Chase.
[10:47.000 --> 10:55.000]  And I told the judge, there is no assignment from Washington Mutual to Chase in the public
[10:55.000 --> 10:56.000]  record.
[10:56.000 --> 11:00.000]  So, Chase has no standing.
[11:00.000 --> 11:07.000]  And the lawyer said, well, your honor, my client buys lots of properties and he doesn't
[11:07.000 --> 11:11.000]  have time to go through the record on every one.
[11:11.000 --> 11:18.000]  And the judge leaped over the bench and said, did I just hear what I thought I heard?
[11:18.000 --> 11:20.000]  Oh, my God.
[11:20.000 --> 11:30.000]  Your client paid $368,000 for this property and he didn't have time to spend two minutes
[11:30.000 --> 11:33.000]  to go to the Internet and look at the public record.
[11:33.000 --> 11:40.000]  Oh, well, gee, the judge granted the property to him anyway.
[11:40.000 --> 11:46.000]  This didn't make any difference.
[11:46.000 --> 11:49.000]  They don't care.
[11:49.000 --> 11:52.000]  But we do get really good claims.
[11:52.000 --> 11:56.000]  And I don't take my claims to the JP court anymore.
[11:56.000 --> 12:03.000]  I like to file them in the state court and get the lender to remove it to the federal
[12:03.000 --> 12:09.000]  court because we live in Fort Worth and our federal judge is primarily McBride.
[12:09.000 --> 12:14.000]  And McBride is really a stinker.
[12:14.000 --> 12:22.000]  Last two I filed, they trespassed a tri-trial, they removed it to the federal court.
[12:22.000 --> 12:27.000]  The first one, Judge McBride dismissed it with prejudice, out of hand.
[12:27.000 --> 12:32.000]  As soon as they filed the removal, I didn't file a motion to remand.
[12:32.000 --> 12:41.000]  I filed a challenge subject matter jurisdiction based on the 2011 Venue and Removal
[12:41.000 --> 12:45.000]  Clarification Act.
[12:45.000 --> 12:52.000]  It said that while you can remove a case with state issues to the federal court,
[12:52.000 --> 12:55.000]  the court must sever the state issues and remand.
[12:55.000 --> 12:59.000]  This changed 200 years of law.
[12:59.000 --> 13:05.000]  So since he had to sever and remand, that meant he had no subject matter
[13:05.000 --> 13:09.000]  jurisdiction over the claims, but he dismissed them with prejudice.
[13:09.000 --> 13:18.000]  So I told the lawyer, his name was Britt McClung, that he asked me if I was going
[13:18.000 --> 13:19.000]  to appeal.
[13:19.000 --> 13:21.000]  I said, no, I'm going to file criminal charges against the judge.
[13:21.000 --> 13:23.000]  It's a grand jury.
[13:23.000 --> 13:25.000]  Well, you can do that.
[13:25.000 --> 13:27.000]  Of course I can.
[13:27.000 --> 13:29.000]  Arrogant scoundrel.
[13:29.000 --> 13:33.000]  We see how arrogant he is when a local grand jury is considering him.
[13:33.000 --> 13:35.000]  I filed a second one.
[13:35.000 --> 13:37.000]  He removed it.
[13:37.000 --> 13:40.000]  The judge didn't dismiss this one out of him with prejudice.
[13:40.000 --> 13:42.000]  He didn't dismiss it at all.
[13:42.000 --> 13:46.000]  And McClung called me and said, well, we need to get into scheduling orders.
[13:46.000 --> 13:47.000]  Heck with the scheduling order.
[13:47.000 --> 13:49.000]  I got a challenge subject matter jurisdiction.
[13:49.000 --> 13:51.000]  There's going to be no scheduling.
[13:51.000 --> 13:52.000]  Well, the judge will dismiss it.
[13:52.000 --> 13:57.000]  I hope he does because I need two complaints so I can establish a pattern.
[13:57.000 --> 14:02.000]  I do want a shot at McBride.
[14:02.000 --> 14:05.000]  I take him to a state grand jury.
[14:05.000 --> 14:11.000]  I once put all the highest judges in Texas in front of a grand jury in Austin.
[14:11.000 --> 14:14.000]  Well, it really wasn't me.
[14:14.000 --> 14:21.000]  It was District Attorney Ron Earl, 25 year district attorney.
[14:21.000 --> 14:24.000]  Not running for office again.
[14:24.000 --> 14:25.000]  He's a Democrat.
[14:25.000 --> 14:27.000]  They're all Republicans.
[14:27.000 --> 14:30.000]  I filed a writ of habeas corpus.
[14:30.000 --> 14:33.000]  They demanded a motion for leave to file.
[14:33.000 --> 14:35.000]  I told the clerk, screw that.
[14:35.000 --> 14:36.000]  This is a habeas.
[14:36.000 --> 14:39.000]  Everything stands down before the great writ.
[14:39.000 --> 14:42.000]  The court has no power to grant or deny leave to file.
[14:42.000 --> 14:44.000]  Well, they wouldn't take it without it.
[14:44.000 --> 14:45.000]  I'm trying to get a kid out of jail.
[14:45.000 --> 14:47.000]  So I filed a motion for leave to file.
[14:47.000 --> 14:48.000]  They denied it.
[14:48.000 --> 14:51.000]  I went straight to the grand jury.
[14:51.000 --> 14:56.000]  I hammered them for a year before they finally gave it to the grand jury.
[14:56.000 --> 15:04.000]  I told the Clared Austin Brown, who handled the grand jury, I said, look, Claire, I've been pound.
[15:04.000 --> 15:06.000]  I just filed criminal charges against her.
[15:06.000 --> 15:16.000]  I bushwhacked the head criminal district judge in his courtroom and dumped criminal complaints against her for not giving these to the grand jury.
[15:16.000 --> 15:20.000]  And I told her, I said, look, Claire, all I want you to do is give it to the grand jury.
[15:20.000 --> 15:22.000]  I don't want these guys indicted.
[15:22.000 --> 15:24.000]  Well, then why are you filing this?
[15:24.000 --> 15:27.000]  I want them to have to look at the prospect.
[15:27.000 --> 15:31.000]  So under 203, you have no option.
[15:31.000 --> 15:33.000]  So you don't have to agree with this.
[15:33.000 --> 15:35.000]  You have to give it to them.
[15:35.000 --> 15:41.000]  So you give it to them, and then you go in there and argue against indictment, and you get to be the good guy.
[15:41.000 --> 15:43.000]  And everybody wins here.
[15:43.000 --> 15:50.000]  I get the judges to have to face an indictment, so they'll stop this nonsense.
[15:50.000 --> 15:51.000]  Well, she gave it to her.
[15:51.000 --> 15:54.000]  First day in office.
[15:54.000 --> 15:58.000]  Two months later, I've heard nothing.
[15:58.000 --> 16:01.000]  It usually takes them 30 minutes.
[16:01.000 --> 16:02.000]  And I went to Claire.
[16:02.000 --> 16:04.000]  I said, what's the deal with the grand jury?
[16:04.000 --> 16:12.000]  Oh, Mr. Kelton, I made sure every grand jury member read your entire presentment.
[16:12.000 --> 16:14.000]  Holy mackerel.
[16:14.000 --> 16:16.000]  My habeas was in there.
[16:16.000 --> 16:19.000]  There's 111 pages.
[16:19.000 --> 16:31.000]  That Ron Earl, that dirty rotten scoundrel, he used my complaint to try to take out those 15 Republicans with him when he got out of office.
[16:31.000 --> 16:34.000]  It's all about the politics.
[16:34.000 --> 16:36.000]  I didn't get him indicted.
[16:36.000 --> 16:44.000]  But if you file a habeas with the Court of Criminal Appeals in Texas, they don't ask for no motion for leave to file a crap hole.
[16:44.000 --> 16:46.000]  They just take it.
[16:46.000 --> 16:47.000]  Hang on.
[16:47.000 --> 16:49.000]  Be right back.
[16:49.000 --> 16:51.000]  Randy Kelton, Wheel of Law Radio.
[16:51.000 --> 16:53.000]  John, Mark, I'll see you there.
[16:53.000 --> 16:54.000]  We'll get to you guys.
[16:54.000 --> 17:07.000]  We'll be right back.
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[19:11.000 --> 19:17.000]  Well, don't let nothing get to you, or the father can't deliver you.
[19:17.000 --> 19:23.000]  Don't let bad-minded people hurt you, until Satan gets behind you.
[19:23.000 --> 19:31.000]  Norman, my friend, Nala Jackson, come on.
[19:53.000 --> 19:58.000]  He's everything to me, that's why I call him.
[19:58.000 --> 20:01.000]  I come with me and I pray to him.
[20:01.000 --> 20:04.000]  Because he's the only one who could answer him.
[20:04.000 --> 20:07.000]  There's no business with what a good man says.
[20:07.000 --> 20:10.000]  Mankind, you know, is just leading.
[20:10.000 --> 20:13.000]  Trust in God, my friend.
[20:13.000 --> 20:16.000]  Tell your problems then.
[20:16.000 --> 20:19.000]  I'll say once again.
[20:19.000 --> 20:23.000]  Trust in God, my friend.
[20:23.000 --> 20:26.000]  Tell your problems then.
[20:26.000 --> 20:29.000]  I'll say once again.
[20:29.000 --> 20:32.000]  Trust in God, my friend.
[20:32.000 --> 20:34.000]  Okay, we are back.
[20:34.000 --> 20:36.000]  Randy Kelton, you have our radio.
[20:36.000 --> 20:39.000]  We're talking to Faith in California.
[20:39.000 --> 20:46.000]  Faith, I would very much like to talk to you off the air.
[20:46.000 --> 20:50.000]  We could spin, I could spin two shows.
[20:50.000 --> 20:56.000]  Just extracting the information from you that I want to know.
[20:56.000 --> 21:03.000]  Could you send me an email and let's contact one another off the show.
[21:03.000 --> 21:05.000]  Oh, hold on.
[21:05.000 --> 21:06.000]  There we go.
[21:06.000 --> 21:11.000]  I'm sorry I didn't have you unmuted.
[21:11.000 --> 21:15.000]  Yeah, I just shot one off to you.
[21:15.000 --> 21:17.000]  Randy, rule of law.
[21:17.000 --> 21:19.000]  Okay, wonderful.
[21:19.000 --> 21:21.000]  I'll try to contact you tomorrow or the next day.
[21:21.000 --> 21:23.000]  When is best for you?
[21:23.000 --> 21:25.000]  Just put it in an email.
[21:25.000 --> 21:28.000]  So when's a good time to contact you?
[21:28.000 --> 21:30.000]  Oh, yeah, tomorrow I'm fine.
[21:30.000 --> 21:35.000]  Okay, and when I see Frank, I'm going to black his eye.
[21:35.000 --> 21:38.000]  Because when he sends me someone as knowledgeable as you,
[21:38.000 --> 21:41.000]  I need to do a pre-interview so I have talking points
[21:41.000 --> 21:43.000]  and I can lead this along better.
[21:43.000 --> 21:47.000]  I've been kind of struggling this evening.
[21:47.000 --> 21:48.000]  I'm sorry.
[21:48.000 --> 21:49.000]  I do apologize.
[21:49.000 --> 21:52.000]  I'd like to consider having you as a guest on the show
[21:52.000 --> 21:56.000]  and go through what you do in more detail.
[21:56.000 --> 21:57.000]  Okay.
[21:57.000 --> 21:59.000]  Okay, thank you very much.
[21:59.000 --> 22:00.000]  I will let you go.
[22:00.000 --> 22:01.000]  It's been a joy.
[22:01.000 --> 22:02.000]  I'm truly enriched.
[22:02.000 --> 22:04.000]  Truly enriched to know you.
[22:04.000 --> 22:05.000]  Thank you.
[22:05.000 --> 22:09.000]  Okay, now we're going to go to John in Texas.
[22:09.000 --> 22:12.000]  Hello, John.
[22:12.000 --> 22:13.000]  Is this May?
[22:13.000 --> 22:14.000]  Am I on?
[22:14.000 --> 22:17.000]  You are on.
[22:17.000 --> 22:20.000]  Okay, I thought there was somebody in front of me.
[22:20.000 --> 22:23.000]  No, actually, what was, I should have took Mark.
[22:23.000 --> 22:27.000]  He dropped off and came back, so his phone was under yours.
[22:27.000 --> 22:29.000]  But I should have took him first.
[22:29.000 --> 22:30.000]  And I'm sorry, Mark.
[22:30.000 --> 22:31.000]  I'm just out of habit.
[22:31.000 --> 22:32.000]  I took the next one in line.
[22:32.000 --> 22:34.000]  Come back, May.
[22:34.000 --> 22:37.000]  Mark, I think, yeah, let me come back to you
[22:37.000 --> 22:40.000]  because Mark was on early in the show and through the whole show
[22:40.000 --> 22:42.000]  and then he dropped and came back.
[22:42.000 --> 22:45.000]  I hate to make him hold on nice.
[22:45.000 --> 22:46.000]  But hang on, John.
[22:46.000 --> 22:49.000]  I'll be back to you.
[22:49.000 --> 22:55.000]  Okay, Mark, what do you have for us tonight?
[22:55.000 --> 22:56.000]  First, thank you, John.
[22:56.000 --> 22:58.000]  Very nice of you.
[22:58.000 --> 23:01.000]  I've been listening to you talking to Faith.
[23:01.000 --> 23:05.000]  And I have to say that it was an enriching thing to listen to.
[23:05.000 --> 23:08.000]  And I've heard the show over the last couple of weeks,
[23:08.000 --> 23:09.000]  but I haven't called in.
[23:09.000 --> 23:12.000]  So I've missed getting to talk to you.
[23:12.000 --> 23:16.000]  I wanted to bounce a couple ideas off of you.
[23:16.000 --> 23:20.000]  As you may know, or may remember, you may not,
[23:20.000 --> 23:24.000]  I've heard you tell me more than once, hey, man,
[23:24.000 --> 23:28.000]  you need to get your mind out of the fight and get focused on,
[23:28.000 --> 23:32.000]  you know, what you think you can reasonably ask for, things like that.
[23:32.000 --> 23:35.000]  I think that's good advice.
[23:35.000 --> 23:40.000]  I'm starting to think I may have some more life in the situation I have.
[23:40.000 --> 23:46.000]  I had a judgment on June 22nd, 30 days later.
[23:46.000 --> 23:47.000]  It's kind of a little bit of a mess.
[23:47.000 --> 23:53.000]  It wasn't necessarily even anything that I could see made sense to appeal
[23:53.000 --> 23:56.000]  at the time.
[23:56.000 --> 23:59.000]  And now, as far as my case is concerned,
[23:59.000 --> 24:03.000]  where I had something filed past statute of limitations,
[24:03.000 --> 24:09.000]  I had a corporate assignment 10 days prior to them filing litigation.
[24:09.000 --> 24:14.000]  The corporate assignment actually reads that it's prepared by the servicer,
[24:14.000 --> 24:19.000]  and the original lender is out of business for other cases,
[24:19.000 --> 24:20.000]  which I could cite.
[24:20.000 --> 24:23.000]  So it was kind of an interesting thing.
[24:23.000 --> 24:26.000]  I brought that up before the judge in my hearing.
[24:26.000 --> 24:30.000]  He didn't hear it, didn't look into it, didn't care.
[24:30.000 --> 24:36.000]  So I have the ability, I think, 90 days past that judgment
[24:36.000 --> 24:38.000]  to make a motion to vacate.
[24:38.000 --> 24:41.000]  And then there's one exception, as I've read the rules here
[24:41.000 --> 24:44.000]  and I've gotten others to concur.
[24:44.000 --> 24:47.000]  If there was fraud, then I can make that at any time,
[24:47.000 --> 24:51.000]  because naturally a void judgment is void any time.
[24:51.000 --> 24:54.000]  Something to that effect.
[24:54.000 --> 24:58.000]  Before I forget, the first thing I've got here in the notes,
[24:58.000 --> 25:03.000]  I wanted to ask you if you could put me in touch with Mark in Wisconsin
[25:03.000 --> 25:06.000]  as we talked a little bit about a writ of mandamus.
[25:06.000 --> 25:11.000]  He wanted to get in touch with me, and I emailed you before,
[25:11.000 --> 25:13.000]  but I don't know if you got it.
[25:13.000 --> 25:19.000]  Yeah, I got it, and I thought I had emailed that to Mark in Wisconsin.
[25:19.000 --> 25:24.000]  No, I think Mark said something to me and I emailed it to you.
[25:24.000 --> 25:28.000]  Well, I'll email you again for sure.
[25:28.000 --> 25:30.000]  Okay, I'll try it again.
[25:30.000 --> 25:33.000]  That would be totally fine.
[25:33.000 --> 25:38.000]  If anybody has any ideas for me or anybody happens to hear me on your show
[25:38.000 --> 25:42.000]  and they want to be in touch, they absolutely have my permission to share
[25:42.000 --> 25:46.000]  if you'd be the intermediary and be so kind.
[25:46.000 --> 25:54.000]  One thing you might consider, if they filed this action out of time
[25:54.000 --> 25:58.000]  after the statute of limitations had run,
[25:58.000 --> 26:02.000]  when I read the Texas penal code,
[26:02.000 --> 26:08.000]  that comes up securing and executing a document by deception.
[26:08.000 --> 26:16.000]  Now, that's nice. I haven't dug in to all these wonderful things,
[26:16.000 --> 26:20.000]  but I'm going to look into that.
[26:20.000 --> 26:26.000]  If I get into that, well, I'm not ready to get into that,
[26:26.000 --> 26:28.000]  but I want to get into that. Let me say that.
[26:28.000 --> 26:35.000]  I do want to fight when it comes time to fight and somebody needs a good boot.
[26:35.000 --> 26:39.000]  Anyway, let me just bounce this off of you.
[26:39.000 --> 26:42.000]  I just want to comment.
[26:42.000 --> 26:47.000]  There's a smart man because I keep telling people,
[26:47.000 --> 26:51.000]  take your battles very carefully.
[26:51.000 --> 26:54.000]  Spend a lot of time setting them up.
[26:54.000 --> 26:56.000]  Don't be so quick to go after them.
[26:56.000 --> 27:01.000]  Give them all the opportunities they need to screw up as much as possible.
[27:01.000 --> 27:06.000]  Somebody never interfere with your opponent when he's screwing up.
[27:06.000 --> 27:09.000]  Give him every opportunity to screw up.
[27:09.000 --> 27:13.000]  Sit back, set him up, figure out how to nail him,
[27:13.000 --> 27:17.000]  and then pick what you want to go after.
[27:17.000 --> 27:19.000]  Yeah, yeah.
[27:19.000 --> 27:24.000]  In light of the show tonight, this is going to be a fine question.
[27:24.000 --> 27:31.000]  As you have Jeff Cedric ever once in a while on, talking about the FDCPA,
[27:31.000 --> 27:33.000]  I printed it out.
[27:33.000 --> 27:37.000]  It's 10 pages in 12-point Times New Roman font.
[27:37.000 --> 27:41.000]  Even a moron like me can understand it, and I love it.
[27:41.000 --> 27:45.000]  I clearly have FDCPA violations.
[27:45.000 --> 27:51.000]  I'm concerned there may be some argument that it might be res judicata
[27:51.000 --> 27:56.000]  if I'm going after the plaintiff, but the servicer is not the plaintiff.
[27:56.000 --> 28:01.000]  They are, however, the perpetrator of the fraudulent assignment.
[28:01.000 --> 28:06.000]  I'm using words that may not necessarily be legal terms,
[28:06.000 --> 28:10.000]  but I think they're fun to throw around.
[28:10.000 --> 28:18.000]  Let me address fraudulent as it is defined in Texas.
[28:18.000 --> 28:25.000]  This is local government code 51901C.
[28:25.000 --> 28:30.000]  If a document is filed in the public record,
[28:30.000 --> 28:35.000]  and there is nothing in the record showing that the filer has standing
[28:35.000 --> 28:42.000]  to file the document, the document is presumed to be fraudulent.
[28:42.000 --> 28:51.000]  Now, that's a special definition of fraud as opposed to fraud as a cause of action or a claim.
[28:51.000 --> 28:55.000]  So when you claim the document is fraudulent,
[28:55.000 --> 28:59.000]  you're not accusing the person of committing fraud.
[28:59.000 --> 29:06.000]  You're saying that the document doesn't meet the filing requirements for standing.
[29:06.000 --> 29:14.000]  Yeah. Now, you know, that would be amazing because it's not as hard to show.
[29:14.000 --> 29:19.000]  What shall we say?
[29:19.000 --> 29:21.000]  Let's use the FDCPA lingo.
[29:21.000 --> 29:30.000]  This false and misleading presumably valid corporate assignment of mortgage
[29:30.000 --> 29:34.000]  that was filed with the courts in the state of Arkansas.
[29:34.000 --> 29:38.000]  I hear your bumper music. I'll hang.
[29:38.000 --> 29:42.000]  Okay. Hang on. We'll be right back.
[29:42.000 --> 29:45.000]  This is Randy Kelton, Rule of Law Radio.
[29:45.000 --> 29:49.000]  I call it number 512-646-1984.
[29:49.000 --> 29:50.000]  It's a little bit longer break,
[29:50.000 --> 29:56.000]  so you might go look at our sponsors on logosradionetwork.com
[29:56.000 --> 29:59.000]  and check them out, support the network.
[29:59.000 --> 30:03.000]  We'll be right back.
[30:03.000 --> 30:07.000]  Is that a Harley I hear? If so, I hope the driver's wearing a helmet.
[30:07.000 --> 30:11.000]  Motorcycle fatalities are way up, and you won't guess among which age group.
[30:11.000 --> 30:15.000]  I'm Dr. Catherine Albrecht, back with details in a moment.
[30:15.000 --> 30:17.000]  Privacy is under attack.
[30:17.000 --> 30:20.000]  When you give up data about yourself, you'll never get it back again.
[30:20.000 --> 30:25.000]  And once your privacy is gone, you'll find your freedoms will start to vanish, too.
[30:25.000 --> 30:30.000]  So protect your rights, say no to surveillance, and keep your information to yourself.
[30:30.000 --> 30:33.000]  Privacy, it's worth hanging on to.
[30:33.000 --> 30:36.000]  This public service announcement is brought to you by StartPage.com,
[30:36.000 --> 30:40.000]  the private search engine alternative to Google, Yahoo, and Bing.
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[30:44.000 --> 30:48.000]  When you hear the word motorcycle, most of us think of youthful rebellion.
[30:48.000 --> 30:53.000]  You know, some teenage couple zipping down the highway with the wind whipping through their hair.
[30:53.000 --> 30:59.000]  What you don't picture is the driver on that Harley being a middle-aged baby boomer or even a retiree.
[30:59.000 --> 31:05.000]  Fact is, though, older people are riding motorcycles more than ever and dying in greater numbers, too.
[31:05.000 --> 31:10.000]  Federal accident data shows motorcycle deaths have climbed 25 percent in 10 years.
[31:10.000 --> 31:15.000]  Half the riders were age 40 or older, and nearly a quarter were older than 50.
[31:15.000 --> 31:21.000]  So if you're planning on hitting the highway, wear a helmet and go easy on those hairpin turns.
[31:21.000 --> 31:30.000]  I'm Dr. Catherine Albrecht. More news and information at CatherineAlbrecht.com.
[31:52.000 --> 32:01.000]  Call 888-910-4367 and see what our powder, seeds, and oil can do for you, only at SQSA.org.
[32:01.000 --> 32:05.000]  Rule of Law Radio is proud to offer the Rule of Law traffic seminar.
[32:05.000 --> 32:08.000]  In today's America, we live in an us-against-them society,
[32:08.000 --> 32:10.000]  and if we the people are ever going to have a free society,
[32:10.000 --> 32:13.000]  then we're going to have to stand and defend our own rights.
[32:13.000 --> 32:16.000]  Among those rights are the right to travel freely from place to place,
[32:16.000 --> 32:20.000]  the right to act in our own private capacity, and most importantly, the right to due process of law.
[32:20.000 --> 32:26.000]  Traffic courts afford us the least expensive opportunity to learn how to enforce and preserve our rights through due process.
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[32:29.000 --> 32:34.000]  has put together the most comprehensive teaching tool available that will help you understand what due process is
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[33:22.000 --> 33:27.000]  Okay, we are back, Randy Kelton, Rule of Law Radio, and we're talking to Mark in Texas.
[33:27.000 --> 33:34.000]  Okay, Mark, where were we talking about fraud?
[33:34.000 --> 33:40.000]  Not doing too well, but anyway, what I was going to frame up is this.
[33:40.000 --> 33:49.000]  I have a corporate assignment of mortgage that is clearly false and misleading, probably just downright fraudulent,
[33:49.000 --> 33:52.000]  and I brought it up in the hearing.
[33:52.000 --> 33:57.000]  The judge didn't hear it because, as was being discussed earlier,
[33:57.000 --> 34:02.000]  the plaintiff's attorney just said, I didn't have the ability to challenge that.
[34:02.000 --> 34:04.000]  And he just, you know, listened to what she was saying.
[34:04.000 --> 34:07.000]  The guy didn't even know the clue.
[34:07.000 --> 34:15.000]  Now, in order to take the next step, I've got an option to take a writ of mandamus
[34:15.000 --> 34:20.000]  because he went ahead and heard this case even though subject matter jurisdiction
[34:20.000 --> 34:24.000]  was never affirmatively pled by the plaintiff's attorney.
[34:24.000 --> 34:26.000]  That's one possibility.
[34:26.000 --> 34:29.000]  I could take that and I could lose.
[34:29.000 --> 34:33.000]  But right now, I like this idea.
[34:33.000 --> 34:43.000]  I like both, but I'm thinking that I might possibly file an FDCPA lawsuit that focuses on the servicer.
[34:43.000 --> 34:49.000]  And this corporate assignment of mortgage says, prepared by, and it has the name of the servicer.
[34:49.000 --> 34:57.000]  And in fact, the person signing the document itself is an employee of the servicer.
[34:57.000 --> 35:01.000]  There are multitudes of affidavits and other cases that attack this person.
[35:01.000 --> 35:05.000]  I'll put certified copies, you know, to work for me in the future perhaps
[35:05.000 --> 35:09.000]  if we try to vacate the judgment for fraud where I can show it.
[35:09.000 --> 35:11.000]  But here's the question.
[35:11.000 --> 35:19.000]  If I attack the servicer through an FDCPA suit, they've done lots of things they couldn't do.
[35:19.000 --> 35:22.000]  I'm still within the one year statute of limitations for a lot of things.
[35:22.000 --> 35:24.000]  But I've got a question.
[35:24.000 --> 35:31.000]  Could I early on make a motion for pre-litigation discovery?
[35:31.000 --> 35:41.000]  Okay, you have to read the rules on pre-litigation discovery in Alabama.
[35:41.000 --> 35:48.000]  But most states have pre-litigation discovery that match the federal law.
[35:48.000 --> 35:57.000]  And what the federal law does is allow you to do pre-litigation discovery for the purpose of preserving testimony.
[35:57.000 --> 36:05.000]  And it allows you to subpoena and depose individuals to collect their testimony.
[36:05.000 --> 36:10.000]  So that is probably a great thing to do.
[36:10.000 --> 36:13.000]  Now, in Texas, we have more that we can do.
[36:13.000 --> 36:20.000]  But in your case, you have a particular individual that you won't want to depose.
[36:20.000 --> 36:25.000]  And while you were talking, there was a question that kept coming to my mind
[36:25.000 --> 36:30.000]  when you were questioning about whether or not to go to the servicer.
[36:30.000 --> 36:38.000]  The question is, what do you really know about what was done?
[36:38.000 --> 36:45.000]  Now, there were documents filed and they were supposedly filed for the benefit of certain individuals.
[36:45.000 --> 36:57.000]  But how do you know that the lender or the alleged holder had anything to do with his filing these documents?
[36:57.000 --> 37:06.000]  Oh, well, what I know and what I believe are pretty close to one another, but not perfectly reconciled.
[37:06.000 --> 37:09.000]  It's really important that you make that distinction.
[37:09.000 --> 37:18.000]  What you know is that you have a document and it has this guy's signature on it.
[37:18.000 --> 37:23.000]  Now, he made assertions in the document.
[37:23.000 --> 37:27.000]  Those assertions may or may not be true.
[37:27.000 --> 37:35.000]  But you do know, he may have made assertions that he acted for the benefit of someone else.
[37:35.000 --> 37:37.000]  That may or may not be true.
[37:37.000 --> 37:40.000]  You don't know that.
[37:40.000 --> 37:44.000]  But you do know he signed this document.
[37:44.000 --> 37:50.000]  You have evidence to indicate that this document was filed out of time.
[37:50.000 --> 37:51.000]  Yeah.
[37:51.000 --> 38:03.000]  So the document made assertions and allegations that they were doing certain things.
[38:03.000 --> 38:08.000]  When I say out of time, I'm talking about the foreclosure.
[38:08.000 --> 38:17.000]  They're making assertions that they intend to do certain things that they don't have authority to do.
[38:17.000 --> 38:34.000]  Now, that's in the Real Estate Settlement Procedures Act, I'm sorry, Fair Debt Collections Practices Act, 15 U.S. Code 1692E, I believe.
[38:34.000 --> 38:37.000]  I'll read it. You bet.
[38:37.000 --> 38:47.000]  So if you threaten to take an action that you either don't intend to take or don't have authority to take, it's a violation of the Fair Debt Collections Practices Act.
[38:47.000 --> 39:07.000]  But also if Alabama has a code that's really well complete, it's also going to be tampering with government document or special code Texas has securing and executing a document by deception.
[39:07.000 --> 39:15.000]  So not only is it going to be invalid on its face, it's criminal.
[39:15.000 --> 39:18.000]  Oh, yeah, that's good.
[39:18.000 --> 39:25.000]  So that should criminal should get filed as a matter of course.
[39:25.000 --> 39:30.000]  But you never mentioned the criminal in the civil.
[39:30.000 --> 39:37.000]  If the other side mentions the criminal in the civil, ask for sanctions against it.
[39:37.000 --> 39:47.000]  It's forbidden to use the criminal to gain leverage in the civil. So you file the criminal in separate.
[39:47.000 --> 39:51.000]  Never mention it in the civil side.
[39:51.000 --> 39:55.000]  Let the other guy come in and complain about it.
[39:55.000 --> 39:59.000]  And as soon as he does, ask for sanctions.
[39:59.000 --> 40:01.000]  Without a doubt.
[40:01.000 --> 40:02.000]  Yuck, yuck.
[40:02.000 --> 40:11.000]  There's maybe two or three lawyers in the entire state that know something about FCCPA.
[40:11.000 --> 40:15.000]  Every bankruptcy attorney should know something about FCCPA.
[40:15.000 --> 40:24.000]  All of their clients, many of whom probably are having a hard time paying them, have got some kind of issue, I would figure, most of the time.
[40:24.000 --> 40:36.000]  But anyway, with respect to these violations, I'm hoping that if I can just simply get away with doing pre-litigation discovery,
[40:36.000 --> 40:43.000]  maybe deposing the person who signed that corporate assignment of mortgage,
[40:43.000 --> 40:52.000]  then I have a situation there where I can take whatever the answer is, I'm sure, and go back and make a motion to vacate the judgment.
[40:52.000 --> 40:57.000]  The question would be, and here's an interesting thing to bounce off of you, you'll know, probably.
[40:57.000 --> 41:02.000]  If I win an FCCPA suit, I win $1,000 here, $1,000 there.
[41:02.000 --> 41:09.000]  I don't know if it has to be filed as multiple suits or all at once, but you win $1,000 per violation.
[41:09.000 --> 41:12.000]  And then you win actual damages.
[41:12.000 --> 41:18.000]  And in my case, although I haven't paid it and they haven't come after me, they haven't garnished my earnings,
[41:18.000 --> 41:23.000]  my actual damages are in excess of $200,000 in terms of this judgment.
[41:23.000 --> 41:36.000]  So if I go and win that, then I assume I'll probably be in a good position to win a judgment in excess of $200,000.
[41:36.000 --> 41:42.000]  They'll probably appeal that. They'll probably lose. But I don't know.
[41:42.000 --> 41:52.000]  Anyway, if I won the FCCPA suit and then I were to go back and seek to vacate the judgment,
[41:52.000 --> 41:58.000]  then do I actually lose my damages? Is that a shooting lesson?
[41:58.000 --> 42:05.000]  No, no. Once they did the deal, the harm was done.
[42:05.000 --> 42:11.000]  Ah, okay. So I can't undo that harm by vacating this judgment.
[42:11.000 --> 42:17.000]  Right. So I walk up and I pop you upside the jaw and knock the tooth out.
[42:17.000 --> 42:27.000]  And you sue me and I have to pay for the tooth. Am I done?
[42:27.000 --> 42:31.000]  It hurt and I can't unhurt it.
[42:31.000 --> 42:41.000]  So no, if you win that judgment, that's just for the FCCPA claim.
[42:41.000 --> 42:48.000]  Now you have Rez Judicata to come back and claim that the foreclosure was improper.
[42:48.000 --> 42:55.000]  Oh, yeah. Well, that's what I was hoping. But I was worried, if you have any insights,
[42:55.000 --> 43:02.000]  I was worried here that if I were to attack the plaintiff in any way, they can say,
[43:02.000 --> 43:09.000]  this has already been decided. This is not an issue that's proper to be heard again or questioned again
[43:09.000 --> 43:13.000]  or mentioned again. This should be swept under the rug.
[43:13.000 --> 43:20.000]  I think you have analyzed that correctly. You won't be able to come back to them
[43:20.000 --> 43:25.000]  unless you can get something else to pry that door back open with.
[43:25.000 --> 43:33.000]  Okay. So the people that I really need to attack are the people whose names have not really been
[43:33.000 --> 43:39.000]  the point of any target, but the servants are not the plaintiffs in this case.
[43:39.000 --> 43:42.000]  Exactly. Okay. Hang on. I'm about to go to break.
[43:42.000 --> 44:02.000]  We'll be right back.
[44:02.000 --> 44:08.000]  Hello. My name is Stuart Smith from naturespureorganics.com, and I would like to invite you to come by our store
[44:08.000 --> 44:14.000]  at 1904 Guadalupe Street, Suite D here in Austin, Texas, find Brave New Books and Chase Bank
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[45:01.000 --> 45:04.000]  Are you the plaintiff or defendant in a lawsuit?
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[46:02.000 --> 46:24.000]  Music
[46:24.000 --> 46:30.000]  Okay, we are back. Randy Kelton, Rule of Law Radio, and we're talking Mark in Texas.
[46:30.000 --> 46:34.000]  So, yeah, I think you got that sorted out.
[46:34.000 --> 46:39.000]  I'd like the idea of going after peripherals.
[46:39.000 --> 46:46.000]  I'm working on a municipality here in Texas right now,
[46:46.000 --> 46:54.000]  and in order to get them in the position I want them in, I'm going after peripherals.
[46:54.000 --> 47:00.000]  They arrested this woman and took her to another municipality.
[47:00.000 --> 47:05.000]  Wonderful. Now I get to go after that municipality,
[47:05.000 --> 47:12.000]  and they're going to be real unhappy because they just did what they were told.
[47:12.000 --> 47:15.000]  They didn't realize that it was all screwed up,
[47:15.000 --> 47:22.000]  so if you got this guy working for the servicer and you charge him criminally,
[47:22.000 --> 47:25.000]  he's going to get real excited,
[47:25.000 --> 47:32.000]  and most likely he will be able to claim good-faith reliance on competent authority.
[47:32.000 --> 47:37.000]  But when he does that, he throws his boss under the bus,
[47:37.000 --> 47:40.000]  and then you get to walk up the tree.
[47:40.000 --> 47:50.000]  So you're likely to get something definitive that you can then take back to the original court
[47:50.000 --> 47:58.000]  and show that the lender came to the table with unclean hands.
[47:58.000 --> 48:04.000]  Oh, you've been awful quiet there since I had you muted.
[48:04.000 --> 48:06.000]  Oh, sorry.
[48:06.000 --> 48:16.000]  Just saying, I really like that because there's a case in the state where I've got this issue
[48:16.000 --> 48:20.000]  that seems to be a real breath of fresh air.
[48:20.000 --> 48:26.000]  It says MERS cannot act in any capacity as an assignor.
[48:26.000 --> 48:30.000]  It says that MERS can't act in the capacity to foreclose.
[48:30.000 --> 48:32.000]  MERS doesn't receive payments.
[48:32.000 --> 48:34.000]  MERS can simply record things.
[48:34.000 --> 48:40.000]  So in this case, the employee for the servicer who signed this document,
[48:40.000 --> 48:48.000]  which was prepared by the servicer and on its face looks as though it's taking the original lender
[48:48.000 --> 48:55.000]  or MERS or whatever relationship and making an assignment from them to the plaintiff
[48:55.000 --> 49:02.000]  that just won this judgment, more or less in this situation,
[49:02.000 --> 49:05.000]  there's no way that that could have happened.
[49:05.000 --> 49:10.000]  As you mentioned before, a dead man could not have made this assignment.
[49:10.000 --> 49:16.000]  This was an assignment that they made in an effort to enrich themselves, no doubt,
[49:16.000 --> 49:19.000]  and that's pretty obvious.
[49:19.000 --> 49:25.000]  Who affirmed the assignment?
[49:25.000 --> 49:29.000]  Whose signature is on it?
[49:29.000 --> 49:35.000]  The signature is that of an employee of the servicer,
[49:35.000 --> 49:43.000]  and this guy is attacked in multiple other cases by affidavits from Lynn Simoniak
[49:43.000 --> 49:46.000]  and other peoples.
[49:46.000 --> 49:48.000]  I thought, I'll put that in front of the judge.
[49:48.000 --> 49:51.000]  That's reason to doubt.
[49:51.000 --> 49:56.000]  Maybe I'll do a mortgage compliance investigator's investigation
[49:56.000 --> 49:58.000]  and uncover some things.
[49:58.000 --> 50:02.000]  I would do that before I would ask someone, an attorney,
[50:02.000 --> 50:07.000]  to do pre-mitigation discovery in the FDCPA case.
[50:07.000 --> 50:10.000]  Per FDCPA, attorneys get their fees paid.
[50:10.000 --> 50:14.000]  If you can find an attorney that understands what you need them to do
[50:14.000 --> 50:19.000]  relative to the other case, and most of them hold their hands up and scream
[50:19.000 --> 50:23.000]  and run away, I've talked to a lot of people,
[50:23.000 --> 50:29.000]  but I've got one that does seem to have some of the right stuff.
[50:29.000 --> 50:34.000]  I'm going to suggest that what your problem is with lawyers
[50:34.000 --> 50:38.000]  is the reason they throw their hands up and run away
[50:38.000 --> 50:43.000]  is because you know as much about the subject as they do,
[50:43.000 --> 50:46.000]  and they can't screw you and throw you under the bus,
[50:46.000 --> 50:50.000]  and they don't want anything to do with you.
[50:50.000 --> 50:53.000]  A knowledgeable client tends to terrify lawyers,
[50:53.000 --> 50:56.000]  unless the lawyer is really sharp and really confident,
[50:56.000 --> 51:04.000]  and for the most part reputable.
[51:04.000 --> 51:11.000]  I've found one person that I really think I can believe in.
[51:11.000 --> 51:19.000]  I almost paid a couple thousand bucks to a guy to help me make a motion to vacate.
[51:19.000 --> 51:25.000]  He's very sharp, went to Vanderbilt Law, GPIA, and in any event,
[51:25.000 --> 51:28.000]  he just really wanted to make a motion.
[51:28.000 --> 51:35.000]  He had told me, it's pretty unlikely this judge is going to want to overturn his own judgment.
[51:35.000 --> 51:38.000]  I'm like, yeah, I figure that's true.
[51:38.000 --> 51:41.000]  As I looked into it a little further, I could have made an argument.
[51:41.000 --> 51:44.000]  It would have been logical. It would have been legal.
[51:44.000 --> 51:47.000]  But when I was in the hearing, that's exactly what I did.
[51:47.000 --> 51:55.000]  The plaintiff's attorneys didn't even touch the issue of statute of limitations properly,
[51:55.000 --> 51:58.000]  and they didn't affirmatively plead much of anything.
[51:58.000 --> 52:02.000]  They didn't really have to, based on the way that this all worked out.
[52:02.000 --> 52:05.000]  I kind of know how this works at this point.
[52:05.000 --> 52:10.000]  I didn't expect it was going to be that bad, but I heard you tell me,
[52:10.000 --> 52:13.000]  yes, you're just setting the record for appeal.
[52:13.000 --> 52:17.000]  If I were to order that transcript, which is going to cost a lot of money,
[52:17.000 --> 52:23.000]  this was about a four-hour, five-hour hearing, maybe, for whatever reason.
[52:23.000 --> 52:29.000]  And I did a lot of things wrong, but I did everything that I really needed to do
[52:29.000 --> 52:33.000]  in order to set the record for appeal in some good way.
[52:33.000 --> 52:36.000]  But I'm looking at this and thinking, why do I need to go through this?
[52:36.000 --> 52:42.000]  A local attorney here, who is a great foreclosure fighter but can't help me where I really need help,
[52:42.000 --> 52:49.000]  he said, if the Circuit Court didn't have jurisdiction, the Appeals Court doesn't have jurisdiction.
[52:49.000 --> 52:53.000]  And I'm like, okay, I like the sound of that, that he's the first person who said,
[52:53.000 --> 53:00.000]  you need a writ of mandamus, and that might be some fun yet to have as well.
[53:00.000 --> 53:07.000]  But anyway, that may be a way to handle it, get the Court of Appeals to rule
[53:07.000 --> 53:14.000]  that the court doesn't, in a mandamus, that the trial court never had subject matter jurisdiction.
[53:14.000 --> 53:17.000]  And they can dismiss the case.
[53:17.000 --> 53:23.000]  You know, here's a question, and this will frame it up, and then I'll shut up
[53:23.000 --> 53:29.000]  and let John, who's been very kind, have as much time as he needs.
[53:29.000 --> 53:32.000]  But you've helped me a great deal here.
[53:32.000 --> 53:38.000]  If I file an FDCPA case for violations, which are clear,
[53:38.000 --> 53:45.000]  and they have used false and misleading statements, practices, things,
[53:45.000 --> 53:51.000]  they violated things in the 12 or 20-plus letters I have from last year,
[53:51.000 --> 53:58.000]  if I win that FDCPA case, actual damages to me, excess of 200,000 bucks,
[53:58.000 --> 54:05.000]  if I win that FDCPA case, I can immediately come back and make a motion to vacate that judgment,
[54:05.000 --> 54:11.000]  sue them for fraud, and I'm set up looking very sweet in a very rare instance,
[54:11.000 --> 54:16.000]  potentially to get three times damages for this fraud, I suspect.
[54:16.000 --> 54:19.000]  This could have been worth quite a bit of money.
[54:19.000 --> 54:22.000]  Does that ring true with your thinking?
[54:22.000 --> 54:25.000]  Yes, it does.
[54:25.000 --> 54:29.000]  Because I'm thinking, wow.
[54:29.000 --> 54:32.000]  Originally, I went from thinking I'm completely screwed,
[54:32.000 --> 54:35.000]  I don't have a leg to stand on, I'm in big trouble,
[54:35.000 --> 54:39.000]  to thinking, you know what, just because I paid a little bit of attention,
[54:39.000 --> 54:43.000]  I started to wake up, I started to listen to people who were telling me,
[54:43.000 --> 54:46.000]  you don't have any rights, but what you assert,
[54:46.000 --> 54:51.000]  that was Steve Skidmore, thank him very much, I started learning,
[54:51.000 --> 54:57.000]  and I started realizing, oh my God, this is something that it requires
[54:57.000 --> 55:00.000]  an incredible amount of time, an incredible amount of dedication.
[55:00.000 --> 55:04.000]  I've learned a great deal from you and yours, and thank you very much for it.
[55:04.000 --> 55:08.000]  You are welcome, and all of the time you put into this,
[55:08.000 --> 55:15.000]  tomorrow and the next day and next year, it will come back and serve you well.
[55:15.000 --> 55:18.000]  No doubt, it's empowerment.
[55:18.000 --> 55:24.000]  You've got one thing that I hope everybody can come to understand.
[55:24.000 --> 55:28.000]  There is always something you can do.
[55:28.000 --> 55:33.000]  The law is very well written, it's very sophisticated,
[55:33.000 --> 55:37.000]  and we have lots of lawyers that don't want to lose their cases
[55:37.000 --> 55:40.000]  and want to keep billing their clients, so they've got all these laws passed
[55:40.000 --> 55:45.000]  to make sure there's always something else you can do.
[55:45.000 --> 55:48.000]  Okay.
[55:48.000 --> 55:52.000]  I'm going to use the system against itself in that sense,
[55:52.000 --> 55:57.000]  and I'm going to do that with this full knowledge in the back of my mind
[55:57.000 --> 56:07.000]  that this system actually is me, and I'm a part of it, and I need to make it work.
[56:07.000 --> 56:08.000]  Anyway.
[56:08.000 --> 56:10.000]  Okay, I appreciate you.
[56:10.000 --> 56:15.000]  This is why we do the show, is to create more people like you out there
[56:15.000 --> 56:19.000]  who will hammer these guys.
[56:19.000 --> 56:23.000]  I'm so unworthy at this point, but I tell you, I'm going to do it.
[56:23.000 --> 56:26.000]  Whenever I do, as I do, I'll be back.
[56:26.000 --> 56:29.000]  I'm sure I'll have other questions within a month or so,
[56:29.000 --> 56:32.000]  but I feel so much better about things.
[56:32.000 --> 56:34.000]  I thought I was screwed in June.
[56:34.000 --> 56:37.000]  I left that hearing feeling completely whipped and stupid
[56:37.000 --> 56:41.000]  and realizing, oh my God, I did some really basic things that I shouldn't have done
[56:41.000 --> 56:45.000]  that I knew not to do for listening to you and Steve,
[56:45.000 --> 56:51.000]  and then I thought, it's not that bad, and started digging, and here I am.
[56:51.000 --> 56:53.000]  But, man, thank you very much.
[56:53.000 --> 56:59.000]  Good, wonderful, and good luck, and keep us up to speed.
[56:59.000 --> 57:04.000]  I'm going to email you because if Mark in Wisconsin has anything to share,
[57:04.000 --> 57:08.000]  I'd love to have it, and most definitely,
[57:08.000 --> 57:12.000]  if she didn't mention, I didn't hear everything earlier,
[57:12.000 --> 57:18.000]  but I think Faith in California might possibly have some good capacities
[57:18.000 --> 57:25.000]  to use the FDCPA as a way to attack her situation a little bit too.
[57:25.000 --> 57:31.000]  Yes, I want to talk to her so I can kind of vet her knowledge out
[57:31.000 --> 57:38.000]  so that we can do a more, a show with her as a guest so we can,
[57:38.000 --> 57:45.000]  I'll have talking points so I can extract more of her knowledge on the air.
[57:45.000 --> 57:49.000]  I was kind of caught off guard there.
[57:49.000 --> 57:50.000]  Yeah.
[57:50.000 --> 57:55.000]  Next time I see Frank Waldo, I'm going to knuckle his head for not telling me.
[57:55.000 --> 57:57.000]  Yeah.
[57:57.000 --> 57:58.000]  All right, thanks.
[57:58.000 --> 57:59.000]  Okay.
[57:59.000 --> 58:00.000]  Have a good night.
[58:00.000 --> 58:01.000]  Thank you, Mark.
[58:01.000 --> 58:05.000]  Okay, now we're going to go to John in Texas.
[58:05.000 --> 58:10.000]  And John, I'm sorry, we've only got 44 seconds left in this segment,
[58:10.000 --> 58:13.000]  so we'll pick you up on the other side.
[58:13.000 --> 58:17.000]  It's the top of the hour break, so it's a three-minute break.
[58:17.000 --> 58:21.000]  So it would be a good time to go look at Juris imprudent,
[58:21.000 --> 58:24.000]  Juris imprudent, Juris Dictionary.
[58:24.000 --> 58:29.000]  If you like what we do here and you'd like to be able to better understand it
[58:29.000 --> 58:32.000]  and being able to take on your own issues.
[58:32.000 --> 58:35.000]  Absolute primary three requisite Juris Dictionary.
[58:35.000 --> 58:40.000]  It will tell you all you, pretty well all you need to know
[58:40.000 --> 58:43.000]  to know how to begin to address your case.
[58:43.000 --> 58:50.000]  Hang on, Randy Kelton, Drill Law Radio, we'll be right back.
[58:50.000 --> 58:54.000]  Would you like to make more definite progress in your walk with God?
[58:54.000 --> 58:59.000]  Bibles for America is offering a free study Bible and a set of free Christian books
[58:59.000 --> 59:01.000]  that can really help.
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[59:06.000 --> 59:09.000]  It's an accurate translation and it contains thousands of footnotes
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[59:13.000 --> 59:18.000]  The free books are a three-volume set called Basic Elements of the Christian Life.
[59:18.000 --> 59:21.000]  Chapter by chapter, Basic Elements of the Christian Life
[59:21.000 --> 59:25.000]  clearly presents God's plan of salvation, growing in Christ,
[59:25.000 --> 59:27.000]  and how to build up the church.
[59:27.000 --> 59:30.000]  To order your free New Testament Recovery Version
[59:30.000 --> 59:33.000]  and Basic Elements of the Christian Life,
[59:33.000 --> 59:40.000]  call Bibles for America toll free at 888-551-0102.
[59:40.000 --> 59:44.000]  That's 888-551-0102.
[59:44.000 --> 59:52.000]  Or visit us online at bfa.org.
[59:52.000 --> 01:00:00.000]  You're listening to the Logos Radio Network at logosradionetwork.com.
[01:00:00.000 --> 01:00:05.000]  The following use flash is brought to you by the Low Star Lowdown,
[01:00:05.000 --> 01:00:08.000]  providing the daily bulletins for the commodities market,
[01:00:08.000 --> 01:00:10.000]  Today in History,
[01:00:10.000 --> 01:00:12.000]  News Updates,
[01:00:12.000 --> 01:00:21.000]  and the inside scoop into the tides of the alternatives.
[01:00:21.000 --> 01:00:27.000]  Markets for the 16th of October 2015 opened up with gold at $1,182.05 an ounce,
[01:00:27.000 --> 01:00:29.000]  silver at $16.09 an ounce,
[01:00:29.000 --> 01:00:32.000]  Texas crude at $46.38 a barrel,
[01:00:32.000 --> 01:00:44.000]  and Bitcoin is on its way up, currently sitting at roughly $265 U.S. currency.
[01:00:44.000 --> 01:00:47.000]  Today in History, Wednesday, October 16, 2013,
[01:00:47.000 --> 01:00:50.000]  the United States ends its 16-day governmental shutdown
[01:00:50.000 --> 01:00:53.000]  and avoids default on its debt by raising the debt ceiling
[01:00:53.000 --> 01:01:00.000]  and incurring more debt in a bipartisan Senate quagmire.
[01:01:00.000 --> 01:01:04.000]  In recent news, a natural gas pipeline explosion in Encino, South Texas,
[01:01:04.000 --> 01:01:06.000]  25 miles north of Laredo,
[01:01:06.000 --> 01:01:08.000]  has forced dozens of people from their homes
[01:01:08.000 --> 01:01:10.000]  and canceled classes at a nearby school.
[01:01:10.000 --> 01:01:13.000]  City Manager Velma Davila says that for safety reasons,
[01:01:13.000 --> 01:01:17.000]  30 to 40 people who lived near the pipeline evacuated to City Hall.
[01:01:17.000 --> 01:01:21.000]  Stated that classes would be canceled for today at Encino Elementary School,
[01:01:21.000 --> 01:01:23.000]  which is only about 500 yards from the pipeline.
[01:01:23.000 --> 01:01:28.000]  Gas to the line has obviously been cut, and the fire was allowed to burn itself out.
[01:01:28.000 --> 01:01:31.000]  The pipeline operator, San Antonio-based Lewis Energy Group,
[01:01:31.000 --> 01:01:35.000]  says that the fire happened around 4.15 a.m. Central Standard Time Friday morning.
[01:01:35.000 --> 01:01:37.000]  Luckily, nobody was hurt in the blast.
[01:01:37.000 --> 01:01:44.000]  Authorities are seeking the cause.
[01:01:44.000 --> 01:01:47.000]  The chief executive officers of 10 of the world's largest oil and gas companies,
[01:01:47.000 --> 01:01:50.000]  which together provide almost a fifth of all the oil and gas production
[01:01:50.000 --> 01:01:53.000]  and supply nearly 10 percent of the world's energy,
[01:01:53.000 --> 01:01:56.000]  declared today their collective support for an effective climate change agreement
[01:01:56.000 --> 01:02:00.000]  to be reached at next month's 21st session of the United Nations Conference of Parties
[01:02:00.000 --> 01:02:04.000]  to the U.N. Framework on Climate Change, or Copenhagen 21.
[01:02:04.000 --> 01:02:09.000]  The CEOs of the 10 companies that currently make up the Oil and Gas Climate Initiative, or OGCI,
[01:02:09.000 --> 01:02:16.000]  are the BG Group, BP, ENI, Pemex, Reliance Industries, Repsol, Saudi Aramco, Shell,
[01:02:16.000 --> 01:02:20.000]  and Statoil and Total, confirmed in their declaration the following,
[01:02:20.000 --> 01:02:26.000]  quote, Our shared ambition is for a two-degree Celsius future and is a challenge for the whole of society.
[01:02:26.000 --> 01:02:27.000]  We are committed to playing our part.
[01:02:27.000 --> 01:02:30.000]  Over the coming years, we will collectively strengthen our actions and investments
[01:02:30.000 --> 01:02:35.000]  to contribute to reducing the greenhouse gas intensity of a global energy mix.
[01:02:35.000 --> 01:02:40.000]  Our companies will collaborate in a number of areas with the aim of going beyond the sum of our individual efforts.
[01:02:40.000 --> 01:02:46.000]  The OGCI was established following the discussions held during the January 2014 World Economic Forum
[01:02:46.000 --> 01:02:52.000]  Annual Meetings and was officially launched at the September 2014 U.N. Climate Summit.
[01:02:52.000 --> 01:03:16.000]  This has been your Lowdown for October 16, 2013.
[01:03:22.000 --> 01:03:38.000]  Okay, we are back.
[01:03:38.000 --> 01:03:40.000]  Randy Kelton, Wheel of Life Radio.
[01:03:40.000 --> 01:03:42.000]  And hold on just a moment, John.
[01:03:42.000 --> 01:03:45.000]  We've got Jeff Sedgwick on the line.
[01:03:45.000 --> 01:03:47.000]  And he had a comment for Mark.
[01:03:47.000 --> 01:03:50.000]  Go ahead, Jeff.
[01:03:50.000 --> 01:03:55.000]  Okay, Mark, there are a couple of things I want you to do for yourself.
[01:03:55.000 --> 01:04:00.000]  One, I want you to sit down with your mortgage or deed or trust and your note,
[01:04:00.000 --> 01:04:05.000]  and I want you to take a pencil and paper and copy them word for word.
[01:04:05.000 --> 01:04:06.000]  That's one.
[01:04:06.000 --> 01:04:09.000]  You'd be amazed what's in there that you haven't seen so far.
[01:04:09.000 --> 01:04:14.000]  Two, you make sure that your mortgage or deed or trust has a statement in there
[01:04:14.000 --> 01:04:23.000]  about they may assign the mortgage or deed or trust without advanced knowledge.
[01:04:23.000 --> 01:04:29.000]  True, they can without advanced knowledge, but not without any knowledge.
[01:04:29.000 --> 01:04:36.000]  And since they are required to send it to you, you have standing to challenge the assignment.
[01:04:36.000 --> 01:04:46.000]  So now you've got two reasons to vacate or avoid judgment, standing and denial of due process.
[01:04:46.000 --> 01:04:48.000]  How about that, Randy?
[01:04:48.000 --> 01:04:54.000]  Okay, denial of due process, is that going to lack a proper notice?
[01:04:54.000 --> 01:05:09.000]  No, it's going to the judge deny him the ability to challenge the assignment.
[01:05:09.000 --> 01:05:13.000]  I'm thinking about that in terms of due process.
[01:05:13.000 --> 01:05:15.000]  Okay.
[01:05:15.000 --> 01:05:20.000]  He has an interest in that assignment because it is mentioned and discussed
[01:05:20.000 --> 01:05:24.000]  inside the deed or trust or mortgage, it is a contract.
[01:05:24.000 --> 01:05:27.000]  He has an interest in it by way of the contract,
[01:05:27.000 --> 01:05:33.000]  and he has the authority to challenge it because he has an interest in it.
[01:05:33.000 --> 01:05:38.000]  Denying the ability to challenge that denial of due process.
[01:05:38.000 --> 01:05:41.000]  That is very interesting.
[01:05:41.000 --> 01:05:45.000]  I knew I kept you around for some reason.
[01:05:45.000 --> 01:05:47.000]  Yeah, my wife keeps me around for things too,
[01:05:47.000 --> 01:05:54.000]  like doing laundry and sweeping floors and carrying out the trash.
[01:05:54.000 --> 01:06:02.000]  Yeah, scrubbing the toilet, crawling under the house for the dead cats.
[01:06:02.000 --> 01:06:07.000]  Okay, that is an interesting point.
[01:06:07.000 --> 01:06:12.000]  Rick Tornini, he's a business partner of mine in California.
[01:06:12.000 --> 01:06:21.000]  I just went to the Court of Appeals on the Glaskey case, Glaskey, Jenkins, California.
[01:06:21.000 --> 01:06:25.000]  We spoke to this briefly earlier,
[01:06:25.000 --> 01:06:30.000]  and the whole issue was they were claiming you didn't have standing,
[01:06:30.000 --> 01:06:38.000]  but with Glaskey and Jenkins both, they're arguing generic standing.
[01:06:38.000 --> 01:06:51.000]  Nobody addressed the reference to the assignment being in the deed or trust, in the contract.
[01:06:51.000 --> 01:06:54.000]  Well, let's go a little bit further.
[01:06:54.000 --> 01:07:01.000]  If that assignment occurred after they passed the Saving Your Homes Act,
[01:07:01.000 --> 01:07:06.000]  they are mandated by federal law to notify you in writing
[01:07:06.000 --> 01:07:10.000]  that the assignment has taken place and where the assignment is recorded.
[01:07:10.000 --> 01:07:12.000]  2009.
[01:07:12.000 --> 01:07:14.000]  They haven't recorded it.
[01:07:14.000 --> 01:07:15.000]  Pardon?
[01:07:15.000 --> 01:07:18.000]  2009 that went into effect.
[01:07:18.000 --> 01:07:25.000]  Okay, so if they haven't recorded it and they haven't notified him again,
[01:07:25.000 --> 01:07:30.000]  he has interest in it by virtue of the fact that they are supposed to notify him.
[01:07:30.000 --> 01:07:34.000]  They've reached Covenant 16.
[01:07:34.000 --> 01:07:37.000]  I've covered it, 15 and 16.
[01:07:37.000 --> 01:07:39.000]  That's one of the reasons why I suggest to him.
[01:07:39.000 --> 01:07:44.000]  15 goes to notice, 16 goes to abiding by all laws.
[01:07:44.000 --> 01:07:48.000]  Right, and one of the reasons why I suggest to him,
[01:07:48.000 --> 01:07:54.000]  and everybody else that's got foreclosure problems or situations,
[01:07:54.000 --> 01:07:59.000]  you will do yourself a very serious disservice
[01:07:59.000 --> 01:08:04.000]  if you do not sit down with the mortgage or deed or trust and a note
[01:08:04.000 --> 01:08:15.000]  and a pencil and paper and copy them, word for ever-loving word,
[01:08:15.000 --> 01:08:18.000]  because you will find that there are dispensers in there,
[01:08:18.000 --> 01:08:21.000]  up one side and down the other.
[01:08:21.000 --> 01:08:30.000]  Because you have to read it hand-eye, those two connections will lock it in your brain.
[01:08:30.000 --> 01:08:33.000]  Right, yes.
[01:08:33.000 --> 01:08:37.000]  And as I said, you will see, I don't care if you've read the document a hundred times,
[01:08:37.000 --> 01:08:41.000]  you'll still see things in there when you sit down and write it word for word
[01:08:41.000 --> 01:08:46.000]  that you didn't see before.
[01:08:46.000 --> 01:08:48.000]  Okay?
[01:08:48.000 --> 01:08:51.000]  And that is a very good idea.
[01:08:51.000 --> 01:08:52.000]  Yes.
[01:08:52.000 --> 01:08:54.000]  Okay, I need to find the time to do that.
[01:08:54.000 --> 01:08:58.000]  And that was my contribution to your caller in Alabama.
[01:08:58.000 --> 01:09:03.000]  As much as I know about it, it would probably do me more good to do that
[01:09:03.000 --> 01:09:10.000]  than somebody who doesn't know anything about it.
[01:09:10.000 --> 01:09:12.000]  It will not hurt anybody.
[01:09:12.000 --> 01:09:16.000]  It will take up some time, but it won't hurt anyone to do that.
[01:09:16.000 --> 01:09:19.000]  Even if you don't have a foreclosure situation,
[01:09:19.000 --> 01:09:24.000]  you can see what it is that you actually bound yourself into.
[01:09:24.000 --> 01:09:27.000]  Exactly.
[01:09:27.000 --> 01:09:34.000]  Okay, John in Texas, you're probably going to have some comments for him as well.
[01:09:34.000 --> 01:09:36.000]  Okay, I'll stand by.
[01:09:36.000 --> 01:09:38.000]  John, where are we?
[01:09:38.000 --> 01:09:42.000]  Where are you now in the foreclosure process?
[01:09:42.000 --> 01:09:47.000]  Okay, they tried to get me out of the house.
[01:09:47.000 --> 01:09:50.000]  I went to JP Court and I won it.
[01:09:50.000 --> 01:09:52.000]  Whoa.
[01:09:52.000 --> 01:09:54.000]  Whoa.
[01:09:54.000 --> 01:09:57.000]  Good news.
[01:09:57.000 --> 01:10:01.000]  They appealed it into the county court.
[01:10:01.000 --> 01:10:06.000]  Wait a minute, who was the JP?
[01:10:06.000 --> 01:10:10.000]  That lady, Mrs. Wright, Judge Wright.
[01:10:10.000 --> 01:10:12.000]  Jacqueline Wright.
[01:10:12.000 --> 01:10:13.000]  Yes, yes, yes.
[01:10:13.000 --> 01:10:23.000]  She may well be the most honest JP we have in the Dallas-Fort Worth area.
[01:10:23.000 --> 01:10:29.000]  And I owe her a serious apology.
[01:10:29.000 --> 01:10:36.000]  I filed an information request in her court demanding all of her emails.
[01:10:36.000 --> 01:10:40.000]  Who did they get excited?
[01:10:40.000 --> 01:10:43.000]  And she even talked to me about it and told me, you know,
[01:10:43.000 --> 01:10:47.000]  I told her what I was looking for, she could help me find it.
[01:10:47.000 --> 01:10:50.000]  And I said, well, if I did that, Your Honor,
[01:10:50.000 --> 01:10:55.000]  and what I was looking for is not there, she said, I understand.
[01:10:55.000 --> 01:11:02.000]  But now I have to go back and apologize to her because I wasn't looking at anything for her.
[01:11:02.000 --> 01:11:11.000]  If there was anyone I expected not to find anything improper with, it was her.
[01:11:11.000 --> 01:11:17.000]  I did that so I would find out the kind of shenanigans the prosecutor was going to pull.
[01:11:17.000 --> 01:11:21.000]  And then I go after Richie and Hayes, primarily Hayes.
[01:11:21.000 --> 01:11:24.000]  I think Hayes is a real scoundrel.
[01:11:24.000 --> 01:11:27.000]  And they all kind of hate me.
[01:11:27.000 --> 01:11:36.000]  Except Judge Wright, I believe she actually seems to understand that I'm not the ogre they all think I am.
[01:11:36.000 --> 01:11:38.000]  So I'm really pleased to hear that.
[01:11:38.000 --> 01:11:41.000]  How did you beat this one?
[01:11:41.000 --> 01:11:47.000]  Well, they have a limit of $10,000 in the court.
[01:11:47.000 --> 01:11:56.000]  And I told them that I told her I was going to file a $630,000 tax lien.
[01:11:56.000 --> 01:11:59.000]  Well, that kind of upset her a little bit.
[01:11:59.000 --> 01:12:00.000]  Now, this is all legit.
[01:12:00.000 --> 01:12:07.000]  This is what taxes at the time are just kind of pulling out of my head, $630,000.
[01:12:07.000 --> 01:12:11.000]  And anyway, I won it.
[01:12:11.000 --> 01:12:25.000]  Well, about 13 days later, I get a letter from the county clerk's office saying that they have appealed it to the county court.
[01:12:25.000 --> 01:12:29.000]  So they said I had eight days to file an answer.
[01:12:29.000 --> 01:12:30.000]  And I did.
[01:12:30.000 --> 01:12:32.000]  And I filed for a jury.
[01:12:32.000 --> 01:12:35.000]  Well, I got to pushing my pencil.
[01:12:35.000 --> 01:12:47.000]  And I put in there that the servicer, which is they don't have, it's impossible for them to have authority because they never file the
[01:12:47.000 --> 01:13:02.000]  clinic with the United States Securities Exchange Commission, and I told them it's $4,300,000 in taxes that they owed,
[01:13:02.000 --> 01:13:09.000]  and that I will have a file stamp copy from the internal revenue.
[01:13:09.000 --> 01:13:17.000]  See, I made 84 payments, and it's $50,000 per payment plus the money.
[01:13:17.000 --> 01:13:24.000]  My payment was $543.21.
[01:13:24.000 --> 01:13:29.000]  That's taxed at 100%.
[01:13:29.000 --> 01:13:30.000]  Okay.
[01:13:30.000 --> 01:13:36.000]  There's also another tax of 115%.
[01:13:36.000 --> 01:13:43.000]  Well, anyway, I'm going to adjust it up to $4 million.
[01:13:43.000 --> 01:13:46.000]  It's just a little over $600,000.
[01:13:46.000 --> 01:13:53.000]  I'll have a file stamp on that also with the internal revenue.
[01:13:53.000 --> 01:14:00.000]  There's a lot of stuff that I could talk about, and it's like 45 minutes to talk.
[01:14:00.000 --> 01:14:03.000]  You know, probably I need to go from the beginning to the end.
[01:14:03.000 --> 01:14:06.000]  I really think I could hit a lot of people.
[01:14:06.000 --> 01:14:08.000]  It doesn't make sense.
[01:14:08.000 --> 01:14:19.000]  Now, my promissory note that was converted to an investment security that was converted to a bond,
[01:14:19.000 --> 01:14:23.000]  that's what it was supposed to have been done, but it was never converted.
[01:14:23.000 --> 01:14:24.000]  Okay, John.
[01:14:24.000 --> 01:14:28.000]  I would like to do a show with you.
[01:14:28.000 --> 01:14:34.000]  But before I do a show with you, I'd like to do a vet-out interview.
[01:14:34.000 --> 01:14:40.000]  There's one thing, and this is common with serious researchers.
[01:14:40.000 --> 01:14:48.000]  We spend too much time by ourselves studying and researching, and we forget how to talk to human beings.
[01:14:48.000 --> 01:14:56.000]  You have so much information, you don't need all of the referential index that we do.
[01:14:56.000 --> 01:15:02.000]  We need to be able to lead directly from one place to the next to the next
[01:15:02.000 --> 01:15:11.000]  and make links that we can use to go back down this trail and find all this information.
[01:15:11.000 --> 01:15:19.000]  It's one of the hardest things for me doing this show is trying to keep in mind what people don't know
[01:15:19.000 --> 01:15:30.000]  or references that I'm making that I haven't clearly stipulated so you can understand where I'm going to.
[01:15:30.000 --> 01:15:34.000]  It is a struggle, and before we do a show with you,
[01:15:34.000 --> 01:15:45.000]  I would like to spend a couple hours just walking through how to do this referential index.
[01:15:45.000 --> 01:15:53.000]  Okay, so why don't we do this, try to get together face-to-face this next week and maybe get a little talk next Friday.
[01:15:53.000 --> 01:16:00.000]  Now, this is my opinion. I think I've found another way to win a case.
[01:16:00.000 --> 01:16:10.000]  You can take—I know I'm kind of skimming—you can take your deed of trust and get a certified copy of it,
[01:16:10.000 --> 01:16:20.000]  turn right around, and re-file it under a special deposit, and you're going to start making payments.
[01:16:20.000 --> 01:16:24.000]  You may not make a first payment, but that's going to be a special deposit,
[01:16:24.000 --> 01:16:30.000]  which is going to be different than a general deposit.
[01:16:30.000 --> 01:16:34.000]  I run five computers at the same time.
[01:16:34.000 --> 01:16:37.000]  Now, I don't think we can go to break.
[01:16:37.000 --> 01:16:41.000]  We have to get a break. Hang on. This is Randy Charlton, Wheelbarrow Radio.
[01:16:41.000 --> 01:16:51.000]  I call it number 512-646-1984, and just thinking about five computers at the same time gives me a headache.
[01:16:51.000 --> 01:17:00.000]  We'll be right back on the other side.
[01:17:00.000 --> 01:17:05.000]  Are you being harassed by debt collectors with phone calls, letters, or even lawsuits?
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[01:17:41.000 --> 01:17:46.000]  For more information, please visit RuleOfLawRadio.com and click on the blue Michael Mears banner,
[01:17:46.000 --> 01:17:49.000]  or email MichaelMears at yahoo.com.
[01:17:49.000 --> 01:18:01.000]  That's RuleOfLawRadio.com, or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com to learn how to stop debt collectors now.
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[01:19:24.000 --> 01:19:52.000]  If I can't get everything I want, if I can't get everything I need
[01:19:52.000 --> 01:19:58.000]  We were having way too much fun on the break at the expense of our producer.
[01:19:58.000 --> 01:20:03.000]  Okay, we're back with John in Texas.
[01:20:03.000 --> 01:20:19.000]  John, the last thing you told us is about refiling the deed of trust and making payments to a special, making a special deposit as opposed to a general deposit.
[01:20:19.000 --> 01:20:23.000]  And I don't know what a general deposit is.
[01:20:23.000 --> 01:20:26.000]  Okay, you go down to the bank and you just, you know, make a deposit.
[01:20:26.000 --> 01:20:29.000]  That's the general deposit.
[01:20:29.000 --> 01:20:31.000]  That's a deposit in an account.
[01:20:31.000 --> 01:20:34.000]  That's different than a payment on a debt.
[01:20:34.000 --> 01:20:41.000]  Yeah, you know, you take it out of your checkbook and back and that's just a general deposit.
[01:20:41.000 --> 01:20:46.000]  But if you put on there the wording, which is on my computer that I shut down a while ago,
[01:20:46.000 --> 01:20:49.000]  it makes it specific.
[01:20:49.000 --> 01:20:50.000]  I'll give you an example.
[01:20:50.000 --> 01:20:56.000]  If you go down there and deposit gold, they've got to give you that gold back.
[01:20:56.000 --> 01:21:05.000]  If you go in there and make a five, $20 bill, they're holding that as a special deposit.
[01:21:05.000 --> 01:21:11.000]  And if you want that back, say I want my five, the original ones with serial numbers on, that's a special deposit.
[01:21:11.000 --> 01:21:18.000]  Okay, what I'm leading up to, now I've got the case law in my computer that I cut off.
[01:21:18.000 --> 01:21:26.000]  But what you do is you refile it, you put this wording on it, and when you get it back, you put on there,
[01:21:26.000 --> 01:21:32.000]  this is a notice, and you put this on there so the county clerk will not give you a hard time
[01:21:32.000 --> 01:21:44.000]  because you're noticing it, and it merges the equitable title as well as the legal title.
[01:21:44.000 --> 01:21:47.000]  Okay, none of this makes sense.
[01:21:47.000 --> 01:21:48.000]  I know it.
[01:21:48.000 --> 01:21:56.000]  Yeah, how does making a special deposit merge titles?
[01:21:56.000 --> 01:22:00.000]  Okay, I can't think of it.
[01:22:00.000 --> 01:22:02.000]  Okay, the titles have been separated.
[01:22:02.000 --> 01:22:09.000]  The beneficiary holds equitable title, the trustee holds legal title unless Merge is involved,
[01:22:09.000 --> 01:22:12.000]  and then it says Merge holds legal title, which is confusing.
[01:22:12.000 --> 01:22:15.000]  But those two have been separated.
[01:22:15.000 --> 01:22:18.000]  How does this re-merge them?
[01:22:18.000 --> 01:22:30.000]  Okay, Merge has not existed since 1998.
[01:22:30.000 --> 01:22:35.000]  Okay, that's a really broad statement.
[01:22:35.000 --> 01:22:41.000]  Now, that takes us to a whole other place, a whole discussion of how did Merge,
[01:22:41.000 --> 01:22:49.000]  how did Merge cease to exist in 1998, came into existence in 95?
[01:22:49.000 --> 01:22:57.000]  In 98, Merge as a corporation exists, but they did not since 98 make an agreement
[01:22:57.000 --> 01:23:02.000]  with the service company, well, this is Bank of America that I'm involved with,
[01:23:02.000 --> 01:23:08.000]  but they have not made an agreement for the assignment,
[01:23:08.000 --> 01:23:12.000]  and to handle their assignments with Bank of America.
[01:23:12.000 --> 01:23:21.000]  So, you're saying when you say agreement, do you mean a written agreement?
[01:23:21.000 --> 01:23:22.000]  Yes.
[01:23:22.000 --> 01:23:27.000]  Could they have an unwritten agreement?
[01:23:27.000 --> 01:23:28.000]  That's correct.
[01:23:28.000 --> 01:23:29.000]  They never...
[01:23:29.000 --> 01:23:39.000]  Well, if they do business with one another, then there must be at least some implied agreement,
[01:23:39.000 --> 01:23:44.000]  because the fact that there's not agreement doesn't mean the company doesn't exist.
[01:23:44.000 --> 01:23:50.000]  No, no, the company exists, but they do not exist since 98,
[01:23:50.000 --> 01:23:59.000]  because they did not have an agreement of authority with Bank of America.
[01:23:59.000 --> 01:24:04.000]  Okay, so having a problem with the verbiage,
[01:24:04.000 --> 01:24:14.000]  you're saying that Merge had no business relationship with Bank of America since 1998,
[01:24:14.000 --> 01:24:17.000]  not that they didn't actually exist.
[01:24:17.000 --> 01:24:20.000]  That's correct.
[01:24:20.000 --> 01:24:28.000]  Okay, what does that mean in terms of deed of trust and special deposit?
[01:24:28.000 --> 01:24:32.000]  That means the assignments are no good.
[01:24:32.000 --> 01:24:38.000]  And what does that mean concerning the...
[01:24:38.000 --> 01:24:42.000]  We were talking about special and general deposits,
[01:24:42.000 --> 01:24:47.000]  and part of the problems are going all over the place.
[01:24:47.000 --> 01:24:52.000]  And from one sentence to the next, I have no idea where you're at.
[01:24:52.000 --> 01:25:00.000]  Okay, let me continue with the special deposit compared to the general deposit.
[01:25:00.000 --> 01:25:01.000]  Okay.
[01:25:01.000 --> 01:25:04.000]  When you start doing a special deposit,
[01:25:04.000 --> 01:25:15.000]  that makes you the borrower or the depositor or the beneficiary.
[01:25:15.000 --> 01:25:18.000]  How does that make you the beneficiary?
[01:25:18.000 --> 01:25:21.000]  The fact that you deposit money.
[01:25:21.000 --> 01:25:27.000]  Now, you make that deposit, do you open an account to deposit the money in?
[01:25:27.000 --> 01:25:30.000]  As a special deposit.
[01:25:30.000 --> 01:25:34.000]  Where do you deposit that money?
[01:25:34.000 --> 01:25:36.000]  In the bank.
[01:25:36.000 --> 01:25:40.000]  In an account or just in the bank generally?
[01:25:40.000 --> 01:25:43.000]  Yeah, and you write on the check.
[01:25:43.000 --> 01:25:49.000]  I'll tell you what, I'll just pull it up.
[01:25:49.000 --> 01:25:51.000]  Just give me one minute here.
[01:25:51.000 --> 01:25:55.000]  In other words, the wording that you put on it, on your check,
[01:25:55.000 --> 01:25:59.000]  you don't have to make a new deposit.
[01:25:59.000 --> 01:26:01.000]  Just give me a few seconds and I'll pull it.
[01:26:01.000 --> 01:26:07.000]  Oh, okay, so you're writing a check on an account that you have
[01:26:07.000 --> 01:26:14.000]  and depositing that check into what?
[01:26:14.000 --> 01:26:20.000]  In your checking account, I'm dialing down here to get the wording.
[01:26:20.000 --> 01:26:22.000]  It's like, give me an example.
[01:26:22.000 --> 01:26:27.000]  You settle with an insurance company and then they write on the back of their check,
[01:26:27.000 --> 01:26:33.000]  you're agreeing to...
[01:26:33.000 --> 01:26:37.000]  I'm trying to talk to you.
[01:26:37.000 --> 01:26:41.000]  I'm pulling this up.
[01:26:41.000 --> 01:26:46.000]  It's like you go to an insurance company and they give you a check
[01:26:46.000 --> 01:26:49.000]  and they put like a whole paragraph on the back of the check.
[01:26:49.000 --> 01:26:54.000]  You're agreeing to the money that you're accepting, that you're not going to sue us,
[01:26:54.000 --> 01:26:58.000]  you're not going to do this, that, and the other.
[01:26:58.000 --> 01:27:00.000]  Okay.
[01:27:00.000 --> 01:27:04.000]  Again, understand I'm trying to do two things at the same time here,
[01:27:04.000 --> 01:27:06.000]  trying to get the wording on that.
[01:27:06.000 --> 01:27:16.000]  Anyway, there's a wording that you put on the back of your check and it gets to that.
[01:27:16.000 --> 01:27:19.000]  Okay, well this is...
[01:27:19.000 --> 01:27:23.000]  It's real deep what I'm talking about.
[01:27:23.000 --> 01:27:26.000]  Yeah, apparently it's real deep.
[01:27:26.000 --> 01:27:31.000]  But in a nutshell, I just spend my life...
[01:27:31.000 --> 01:27:33.000]  Okay, while you're waiting for that to come up,
[01:27:33.000 --> 01:27:38.000]  generally what is the net result of making these...
[01:27:38.000 --> 01:27:46.000]  Okay, we're saying that by making these special deposits that you became the beneficiary
[01:27:46.000 --> 01:27:52.000]  or you merged the beneficial and legal titles.
[01:27:52.000 --> 01:27:53.000]  Correct.
[01:27:53.000 --> 01:27:55.000]  And the...
[01:27:55.000 --> 01:27:58.000]  How does that merge the titles?
[01:27:58.000 --> 01:28:04.000]  We have two different entities that generally hold each of those.
[01:28:04.000 --> 01:28:13.000]  How does filing a special deposit merge the two?
[01:28:13.000 --> 01:28:15.000]  Well, I'm getting confused here.
[01:28:15.000 --> 01:28:17.000]  I'm trying to pull with...
[01:28:17.000 --> 01:28:20.000]  Ah, just found it.
[01:28:20.000 --> 01:28:30.000]  Okay, when you refile the deed of trust as a special deposit,
[01:28:30.000 --> 01:28:34.000]  you put on the back of the check when you make the deposit.
[01:28:34.000 --> 01:28:36.000]  Here's what the wording is.
[01:28:36.000 --> 01:28:40.000]  Notice that it's to declare an intent or purpose of this tender payment
[01:28:40.000 --> 01:28:46.000]  as a special deposit order of the payor and beneficiary
[01:28:46.000 --> 01:28:50.000]  and is to be credited to the depositor's account as accord
[01:28:50.000 --> 01:28:57.000]  and satisfaction and payment in full and discharge of any and all outstanding liability.
[01:28:57.000 --> 01:29:06.000]  Okay, well, the problem with that is you have a clause in the contract.
[01:29:06.000 --> 01:29:09.000]  I believe it's in the note.
[01:29:09.000 --> 01:29:13.000]  I probably should write both of them down so I'll know where this is.
[01:29:13.000 --> 01:29:28.000]  Is where it addresses a notation on a check that purports to extinguish the debt.
[01:29:28.000 --> 01:29:35.000]  So people used to do that, say, if you sign this check, the debt is paid in full.
[01:29:35.000 --> 01:29:38.000]  Well, the companies would mix it.
[01:29:38.000 --> 01:29:41.000]  So they put in the contract, the provision for that,
[01:29:41.000 --> 01:29:46.000]  and you sign, put that on a check that it was to have no force in effect.
[01:29:46.000 --> 01:29:49.000]  Hang on, Randy Kelton, we've got a radio.
[01:29:49.000 --> 01:29:53.000]  I'll call you the number, 512-646-1984.
[01:29:53.000 --> 01:30:03.000]  We will be right back.
[01:30:03.000 --> 01:30:06.000]  Man meets woman on Craigslist and invites her over for a date,
[01:30:06.000 --> 01:30:09.000]  and then his wife comes home unexpectedly.
[01:30:09.000 --> 01:30:10.000]  What to do?
[01:30:10.000 --> 01:30:11.000]  I'm Dr. Catherine Albrecht,
[01:30:11.000 --> 01:30:15.000]  and I'll tell you how one cheating husband got what he deserved next.
[01:30:15.000 --> 01:30:17.000]  Privacy is under attack.
[01:30:17.000 --> 01:30:20.000]  When you give up data about yourself, you'll never get it back again.
[01:30:20.000 --> 01:30:25.000]  And once your privacy is gone, you'll find your freedoms will start to vanish, too.
[01:30:25.000 --> 01:30:30.000]  So protect your rights, say no to surveillance, and keep your information to yourself.
[01:30:30.000 --> 01:30:33.000]  Privacy, it's worth hanging onto.
[01:30:33.000 --> 01:30:36.000]  This public service announcement is brought to you by StartPage.com,
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[01:30:44.000 --> 01:30:48.000]  In Colorado, 24-year-old Kevin Gaylor invited a woman he'd met on Craigslist
[01:30:48.000 --> 01:30:51.000]  to come by his house for a meet and greet.
[01:30:51.000 --> 01:30:54.000]  Just two things conspired to make this a bad idea.
[01:30:54.000 --> 01:30:58.000]  One, Gaylor was married, and two, his wife came home unexpectedly
[01:30:58.000 --> 01:31:01.000]  just moments before his new friend rang the bell.
[01:31:01.000 --> 01:31:03.000]  Did he fess up, you're wondering? Nope.
[01:31:03.000 --> 01:31:09.000]  Instead, he called 911 and for some kooky reason claimed that his date was an armed burglar.
[01:31:09.000 --> 01:31:12.000]  Officers rushed to the house, but the facts soon came out,
[01:31:12.000 --> 01:31:15.000]  and Gaylor was promptly arrested for making a false report.
[01:31:15.000 --> 01:31:20.000]  Somehow, I'm guessing he spent a safer night in jail than he would have at home.
[01:31:20.000 --> 01:31:30.000]  I'm Dr. Catherine Albrecht. More news and information at CatherineAlbrecht.com.
[01:31:30.000 --> 01:31:36.000]  This is Building 7, a 47-story skyscraper that fell on the afternoon of September 11.
[01:31:36.000 --> 01:31:38.000]  The government says that fire brought it down.
[01:31:38.000 --> 01:31:43.000]  However, 1,500 architects and engineers concluded it was a controlled demolition.
[01:31:43.000 --> 01:31:46.000]  Over 6,000 of my fellow service members have given their lives.
[01:31:46.000 --> 01:31:49.000]  And thousands of my fellow force responders are dying.
[01:31:49.000 --> 01:31:51.000]  I'm not a conspiracy theorist. I'm not a structural engineer.
[01:31:51.000 --> 01:31:53.000]  I'm a New York City correction officer. I'm an Air Force pilot.
[01:31:53.000 --> 01:31:58.000]  I'm a father who lost his son. We're Americans, and we deserve the truth.
[01:31:58.000 --> 01:32:01.000]  Go to RememberBuilding7.org today.
[01:32:29.000 --> 01:32:32.000]  to handle your claim and your roof right the first time.
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[01:32:41.000 --> 01:32:45.000]  and we'll donate another $100 to the Logos Radio Network to help continue this programming.
[01:32:45.000 --> 01:32:50.000]  So if those out-of-town roofers come knocking, your door should be locking.
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[01:32:58.000 --> 01:33:01.000]  Me and I actually be kidding about chemtrails.
[01:33:01.000 --> 01:33:04.000]  You are listening to the Logos Radio Network.
[01:33:04.000 --> 01:33:27.000]  LogosRadioNetwork.com
[01:33:34.000 --> 01:33:57.000]  LogosRadioNetwork.com
[01:33:57.000 --> 01:34:06.000]  Okay, we are back. Jeff Sedgwick, ruler of our radio, and we're talking to John in Texas.
[01:34:06.000 --> 01:34:10.000]  Okay, John, this is part of something we have to handle.
[01:34:10.000 --> 01:34:13.000]  We probably need to handle this off the air
[01:34:13.000 --> 01:34:20.000]  so we can get something that we can talk about where we can move in one straight logical line.
[01:34:20.000 --> 01:34:26.000]  The one thing that's peculiar about me is I'm an engineer.
[01:34:26.000 --> 01:34:31.000]  And as an engineer, all I can do is connect dots together.
[01:34:31.000 --> 01:34:39.000]  And when I'm listening to a presentation, I'm putting all the dots in place.
[01:34:39.000 --> 01:34:44.000]  And then sometimes I come across a place where I don't have a dot,
[01:34:44.000 --> 01:34:52.000]  where a conclusion has been drawn that has not been stipulated.
[01:34:52.000 --> 01:34:54.000]  That's where I get stuck.
[01:34:54.000 --> 01:34:57.000]  Engineers can't pass those kinds of things.
[01:34:57.000 --> 01:35:00.000]  We've got to have every single dot in place.
[01:35:00.000 --> 01:35:03.000]  Otherwise, we wind up deluding ourselves.
[01:35:03.000 --> 01:35:07.000]  We accept unstated presuppositions.
[01:35:07.000 --> 01:35:16.000]  And on the break, Jeff Sedgwick and I was talking about Edward John Lynn Miller.
[01:35:16.000 --> 01:35:18.000]  Jeff, what's the guy's name?
[01:35:18.000 --> 01:35:20.000]  David Wynne Miller, I believe.
[01:35:20.000 --> 01:35:22.000]  David Wynne Miller, I think.
[01:35:22.000 --> 01:35:31.000]  And he put together this whole new language that shows that we thought we were saying one thing,
[01:35:31.000 --> 01:35:33.000]  but actually we were saying something else.
[01:35:33.000 --> 01:35:40.000]  And he put this whole language together all based on unstated and unspoiled presuppositions.
[01:35:40.000 --> 01:35:48.000]  He said, this is so, and since this is so, and this over here is so, then this third thing is so.
[01:35:48.000 --> 01:35:53.000]  And since this third thing is so, and this fourth thing is so, this fifth thing is so.
[01:35:53.000 --> 01:35:55.000]  And I said, wait a minute, wait a minute.
[01:35:55.000 --> 01:35:58.000]  I didn't buy the first one.
[01:35:58.000 --> 01:36:02.000]  So he's pretty stringing together all these assumptions
[01:36:02.000 --> 01:36:09.000]  without tying all the dots together to support the underlying assumption.
[01:36:09.000 --> 01:36:12.000]  Am I making sense here, John?
[01:36:12.000 --> 01:36:19.000]  You've studied all of this, and you've got this understanding,
[01:36:19.000 --> 01:36:25.000]  and you have internal connections, but you're not telling us all of them,
[01:36:25.000 --> 01:36:28.000]  because they're apparently not coming to mind.
[01:36:28.000 --> 01:36:32.000]  So I wind up with missing dots, and I'm confused.
[01:36:32.000 --> 01:36:36.000]  Okay, let me say this right here.
[01:36:36.000 --> 01:36:42.000]  Under Section 301, effective treating of special deposit, this is...
[01:36:42.000 --> 01:36:43.000]  Okay, hold on.
[01:36:43.000 --> 01:36:50.000]  301, would that be UCC 3-301, 3.301?
[01:36:50.000 --> 01:36:52.000]  No, it's CJS.
[01:36:52.000 --> 01:36:56.000]  We call it corpus judis spectrum.
[01:36:56.000 --> 01:36:57.000]  Okay.
[01:36:57.000 --> 01:36:58.000]  That's how you pronounce it.
[01:36:58.000 --> 01:36:59.000]  I just know it's CJS.
[01:36:59.000 --> 01:37:02.000]  That's corpus juris secundum.
[01:37:02.000 --> 01:37:06.000]  That's a legal encyclopedia.
[01:37:06.000 --> 01:37:11.000]  Yes, Section 301, effective treating as a special deposit.
[01:37:11.000 --> 01:37:17.000]  I quote, when a deposit for a special purpose is treated as a special deposit
[01:37:17.000 --> 01:37:24.000]  rather than a general deposit, title to the fin remains in the depositor,
[01:37:24.000 --> 01:37:31.000]  and the bank becomes an agent, bailee, or trustee rather than a debtor.
[01:37:31.000 --> 01:37:34.000]  It switches.
[01:37:34.000 --> 01:37:41.000]  Yes, but it doesn't affect a separate contract, which the deed of trust is.
[01:37:41.000 --> 01:37:44.000]  That's a contract between you and the bank.
[01:37:44.000 --> 01:37:55.000]  And you put the special deposit, you put that in the custody of the bank.
[01:37:55.000 --> 01:38:03.000]  So the bank doesn't have, they have actual possession, but not constructive possession.
[01:38:03.000 --> 01:38:07.000]  You still hold constructive possessions.
[01:38:07.000 --> 01:38:15.000]  So title to the property, title to whatever the property is that you put into special deposit,
[01:38:15.000 --> 01:38:21.000]  like if it's money, you still hold that money, and the bank's just holding it for you
[01:38:21.000 --> 01:38:26.000]  as opposed to your depositing, a general deposit into an account
[01:38:26.000 --> 01:38:35.000]  where the bank can then take that money and circulate it to your business purposes.
[01:38:35.000 --> 01:38:39.000]  Kind of like putting something in a safe deposit box.
[01:38:39.000 --> 01:38:40.000]  The bank...
[01:38:40.000 --> 01:38:43.000]  I have a stupid question for you, Randy.
[01:38:43.000 --> 01:38:46.000]  Yes.
[01:38:46.000 --> 01:38:53.000]  Is Corpus Juris Secundum and Encyclopedia of Law, or is it law?
[01:38:53.000 --> 01:38:57.000]  It is not law.
[01:38:57.000 --> 01:38:59.000]  It's like a dictionary, it's not law.
[01:38:59.000 --> 01:39:03.000]  It's an encyclopedia.
[01:39:03.000 --> 01:39:08.000]  It can't be cited, you can't cite the encyclopedias.
[01:39:08.000 --> 01:39:14.000]  There's Corpus Juris Secundum, and there's American jurisprudence,
[01:39:14.000 --> 01:39:18.000]  and there's three or four of them.
[01:39:18.000 --> 01:39:21.000]  Right.
[01:39:21.000 --> 01:39:27.000]  But the bank does not have, they never transferred it.
[01:39:27.000 --> 01:39:30.000]  That's why they owe so much tax.
[01:39:30.000 --> 01:39:39.000]  There is no nexus between that deposit and any real property.
[01:39:39.000 --> 01:39:48.000]  There would be no tax on that because the bank never took possession of it.
[01:39:48.000 --> 01:39:50.000]  Nor did they pay for it.
[01:39:50.000 --> 01:39:51.000]  They didn't need to.
[01:39:51.000 --> 01:39:54.000]  It's just like what you put in your safe deposit box.
[01:39:54.000 --> 01:39:57.000]  If you go into your safe deposit box and put a million bucks in there,
[01:39:57.000 --> 01:40:00.000]  the bank don't have to account for that.
[01:40:00.000 --> 01:40:02.000]  They don't pay tax on it.
[01:40:02.000 --> 01:40:07.000]  It's theirs, like a rock.
[01:40:07.000 --> 01:40:10.000]  Because the bank really doesn't have actual possession.
[01:40:10.000 --> 01:40:15.000]  They only have constructive possession.
[01:40:15.000 --> 01:40:19.000]  Don't let the U.S. Marshals get you doing that because they'll arrest you for it.
[01:40:19.000 --> 01:40:26.000]  Do they go to put cash in a safe deposit box?
[01:40:26.000 --> 01:40:32.000]  The point is, is the bank, from the way you're describing the special deposit,
[01:40:32.000 --> 01:40:37.000]  the bank really doesn't have actual possession.
[01:40:37.000 --> 01:40:42.000]  They have constructive possession, but you still hold actual possession.
[01:40:42.000 --> 01:40:45.000]  So they can't do anything with that.
[01:40:45.000 --> 01:40:51.000]  But that one doesn't have anything to do with the deed of trust.
[01:40:51.000 --> 01:40:56.000]  Well, in my situation, I'm saying the deed of trust is always no good
[01:40:56.000 --> 01:41:00.000]  because it was never transferred.
[01:41:00.000 --> 01:41:04.000]  That's a different issue.
[01:41:04.000 --> 01:41:10.000]  I can say the sky is yellow, but does that make it yellow?
[01:41:10.000 --> 01:41:18.000]  There is no authority for what you say.
[01:41:18.000 --> 01:41:24.000]  When we have something to say, we say somebody else has an authority.
[01:41:24.000 --> 01:41:29.000]  I have the documents from the Security Exchange Commission that it was never filed.
[01:41:29.000 --> 01:41:33.000]  It doesn't mean anything.
[01:41:33.000 --> 01:41:36.000]  It doesn't mean anything.
[01:41:36.000 --> 01:41:39.000]  It just means it's not subject to the Security Exchange Commission.
[01:41:39.000 --> 01:41:41.000]  That's all.
[01:41:41.000 --> 01:41:47.000]  Say I'm the judge, John, and you tell me that I'm going to say so what.
[01:41:47.000 --> 01:41:52.000]  Assume that everything you're going to say, the judge is going to say so what.
[01:41:52.000 --> 01:41:55.000]  You have to tell me what.
[01:41:55.000 --> 01:41:59.000]  So it wasn't filed in the Security Exchange Commission.
[01:41:59.000 --> 01:42:04.000]  What are the statutory requirements for filing,
[01:42:04.000 --> 01:42:09.000]  and what is the effect of a failure to file?
[01:42:09.000 --> 01:42:13.000]  Okay, this is what I did.
[01:42:13.000 --> 01:42:17.000]  You're not answering the question put to you, sir.
[01:42:17.000 --> 01:42:24.000]  The thing about is, let me tell you what I did, and I'll answer your question as I go.
[01:42:24.000 --> 01:42:26.000]  Okay.
[01:42:26.000 --> 01:42:30.000]  I took my, I got a certified copy of my birth certificate,
[01:42:30.000 --> 01:42:35.000]  and I put on there that I am the registered owner.
[01:42:35.000 --> 01:42:41.000]  Okay, because I'm the registered owner and gave notice to the Security Exchange Commission,
[01:42:41.000 --> 01:42:44.000]  I own that.
[01:42:44.000 --> 01:42:48.000]  I also file an IRS form 56 with the court.
[01:42:48.000 --> 01:42:50.000]  Okay, hold on, hold on.
[01:42:50.000 --> 01:42:56.000]  I'm not sure of what you meant by own that.
[01:42:56.000 --> 01:43:00.000]  I have a birth certificate that I went down to the county where I was born
[01:43:00.000 --> 01:43:04.000]  and got me two or three copies of them, and I own all three of them.
[01:43:04.000 --> 01:43:06.000]  They're mine.
[01:43:06.000 --> 01:43:09.000]  So what?
[01:43:09.000 --> 01:43:14.000]  Did you file it as a registered owner?
[01:43:14.000 --> 01:43:15.000]  Don't need to.
[01:43:15.000 --> 01:43:17.000]  They're mine.
[01:43:17.000 --> 01:43:23.000]  What is the, where would I file the birth certificate
[01:43:23.000 --> 01:43:31.000]  to show that I'm the registered owner of the birth certificate?
[01:43:31.000 --> 01:43:38.000]  I just didn't have a hand here.
[01:43:38.000 --> 01:43:42.000]  Okay, we'll pick this up on the other side.
[01:43:42.000 --> 01:43:43.000]  We can't spend too much time.
[01:43:43.000 --> 01:43:47.000]  This time we've got one more color, but my point here is,
[01:43:47.000 --> 01:43:53.000]  it's about being consistent and thorough in your thinking process.
[01:43:53.000 --> 01:43:55.000]  You have to connect all the dots.
[01:43:55.000 --> 01:44:00.000]  Randy Kellogg, we'll be right back.
[01:44:00.000 --> 01:44:04.000]  Do you feel tired when talking about important topics like money and politics?
[01:44:04.000 --> 01:44:05.000]  Sorry.
[01:44:05.000 --> 01:44:08.000]  Are you confused by words like the Constitution or the Federal Reserve?
[01:44:08.000 --> 01:44:09.000]  What?
[01:44:09.000 --> 01:44:13.000]  What could be diagnosed with the deadliest disease known today, stupidity?
[01:44:13.000 --> 01:44:16.000]  Hi, my name is Steve Holt, and like millions of other Americans,
[01:44:16.000 --> 01:44:19.000]  I was diagnosed with stupidity at an early age.
[01:44:19.000 --> 01:44:22.000]  I had no idea that the number one cause of the disease
[01:44:22.000 --> 01:44:25.000]  is found in almost every home in America, the television.
[01:44:25.000 --> 01:44:29.000]  Unfortunately, that puts most Americans at risk of catching stupidity,
[01:44:29.000 --> 01:44:30.000]  but there is hope.
[01:44:30.000 --> 01:44:32.000]  The staff at Brave New Books have helped me
[01:44:32.000 --> 01:44:36.000]  and thousands of other foxaholics suffering from sports-zombieism recover,
[01:44:36.000 --> 01:44:39.000]  and because of Brave New Books, I now enjoy reading
[01:44:39.000 --> 01:44:43.000]  and watching educational documentaries without feeling tired or uninterested.
[01:44:43.000 --> 01:44:46.000]  So if you or anybody you know suffers from stupidity,
[01:44:46.000 --> 01:44:50.000]  then you need to call 512-480-2503
[01:44:50.000 --> 01:44:55.000]  or visit them in 1904 Guadalupe or bravenewbookstore.com.
[01:44:55.000 --> 01:44:57.000]  Side effects from using Brave New Books products may include discernment
[01:44:57.000 --> 01:45:01.000]  and enlarged vocabulary and an overall increase in mental functioning.
[01:45:01.000 --> 01:45:04.000]  Are you the plaintiff or defendant in a lawsuit?
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[01:45:56.000 --> 01:46:01.000]  or call toll-free 866-LAW-EZ.
[01:46:26.000 --> 01:46:53.000]  The people come down from the hill
[01:46:53.000 --> 01:46:57.000]  Okay, we are back.
[01:46:57.000 --> 01:47:03.000]  John, we're not being pedantic here,
[01:47:03.000 --> 01:47:12.000]  but in order to be able to understand something,
[01:47:12.000 --> 01:47:16.000]  we have to be very careful about how we organize our thinking.
[01:47:16.000 --> 01:47:23.000]  Speaking to Jeff on the break,
[01:47:23.000 --> 01:47:26.000]  he happened to have the book that I referenced.
[01:47:26.000 --> 01:47:29.000]  There's one book that I've probably read four or five times
[01:47:29.000 --> 01:47:32.000]  and almost never read a book twice.
[01:47:32.000 --> 01:47:37.000]  The book was called Nonsense, How to Detect It and How to Avoid It.
[01:47:37.000 --> 01:47:41.000]  I didn't like the name, so I avoided it a long time.
[01:47:41.000 --> 01:47:44.000]  Finally, I picked it up and read it, and I was astounded.
[01:47:44.000 --> 01:47:47.000]  It's the best book on the use and misuse of language
[01:47:47.000 --> 01:47:49.000]  I have ever come across.
[01:47:49.000 --> 01:47:53.000]  But in one section there, he listed a bunch of things that people do.
[01:47:53.000 --> 01:47:58.000]  People don't pay attention, misinterpret what they see,
[01:47:58.000 --> 01:48:01.000]  and then make horrible errors in judgment.
[01:48:01.000 --> 01:48:03.000]  He goes through a whole list of these things,
[01:48:03.000 --> 01:48:07.000]  and one of them really stuck out to me.
[01:48:07.000 --> 01:48:16.000]  People seldom operate from a consistent set of beliefs.
[01:48:16.000 --> 01:48:19.000]  I see a baby fall down in skin or shin,
[01:48:19.000 --> 01:48:27.000]  or a baby comes toddling through the room and steps on my ingrown toenail.
[01:48:27.000 --> 01:48:30.000]  Gee, Mindy, creakage that hurts.
[01:48:30.000 --> 01:48:37.000]  I have this response set that I use to deal with the baby just stepped on my toe.
[01:48:37.000 --> 01:48:40.000]  And then my mother-in-law comes stomping through the room
[01:48:40.000 --> 01:48:44.000]  and steps on my ingrown toenail.
[01:48:44.000 --> 01:48:49.000]  I act completely different.
[01:48:49.000 --> 01:48:54.000]  I see something happen in one context, I'm compassionate.
[01:48:54.000 --> 01:48:59.000]  In another context, I'm angry.
[01:48:59.000 --> 01:49:09.000]  To the degree that we're not precisely aware of the thought processes we're using,
[01:49:09.000 --> 01:49:12.000]  the context of the thought processes we're using,
[01:49:12.000 --> 01:49:15.000]  we really don't know what we're doing.
[01:49:15.000 --> 01:49:20.000]  And when we try to examine these really sophisticated issues,
[01:49:20.000 --> 01:49:30.000]  we need to understand context and always keep the context the same
[01:49:30.000 --> 01:49:35.000]  so that you're very consistent.
[01:49:35.000 --> 01:49:37.000]  I really haven't explained this a lot,
[01:49:37.000 --> 01:49:41.000]  so I'm not really good at taking this thing that's in my head out
[01:49:41.000 --> 01:49:46.000]  and stating it in a way that makes sense.
[01:49:46.000 --> 01:49:51.000]  But the best way I have is connecting dots.
[01:49:51.000 --> 01:49:55.000]  All the dots have to stick together.
[01:49:55.000 --> 01:49:58.000]  When you say something is a certain way,
[01:49:58.000 --> 01:50:00.000]  that we talk about on the show,
[01:50:00.000 --> 01:50:04.000]  never make a proactive statement of law out of your own mouth.
[01:50:04.000 --> 01:50:10.000]  Never make a statement, something is this way.
[01:50:10.000 --> 01:50:12.000]  You can make it that way,
[01:50:12.000 --> 01:50:19.000]  but in your mind you have to be able to say this statute says it's this way,
[01:50:19.000 --> 01:50:25.000]  like when I talk about a public official committing official oppression.
[01:50:25.000 --> 01:50:31.000]  I never say that the public official committed official oppression.
[01:50:31.000 --> 01:50:37.000]  I say the public official violated Article 39.03 Texas Penal Code
[01:50:37.000 --> 01:50:41.000]  in that he failed to perform a duty he was required to perform
[01:50:41.000 --> 01:50:46.000]  or exerted or purported to exert an authority he did not expressly have
[01:50:46.000 --> 01:50:50.000]  and in the process denied me the full free access to or enjoy middle right.
[01:50:50.000 --> 01:50:56.000]  I always say it that way, so it always sticks that way in my mind,
[01:50:56.000 --> 01:51:00.000]  so I never misuse it.
[01:51:00.000 --> 01:51:03.000]  When we're talking about legal matters,
[01:51:03.000 --> 01:51:08.000]  any time Jeff says so what,
[01:51:08.000 --> 01:51:12.000]  you have to be able to step back, pull the code out,
[01:51:12.000 --> 01:51:17.000]  and say here's the code, here's the case law that takes you there,
[01:51:17.000 --> 01:51:19.000]  or you can't go there.
[01:51:19.000 --> 01:51:22.000]  Does that make sense, John?
[01:51:22.000 --> 01:51:25.000]  Yeah, but I do know that.
[01:51:25.000 --> 01:51:27.000]  Yeah, I understand.
[01:51:27.000 --> 01:51:30.000]  It's a matter of middle discipline,
[01:51:30.000 --> 01:51:36.000]  and it keeps us from getting lost in all this complex material.
[01:51:36.000 --> 01:51:38.000]  And I struggle with it.
[01:51:38.000 --> 01:51:40.000]  I've been struggling with this for 25 years,
[01:51:40.000 --> 01:51:43.000]  and I still struggle with it
[01:51:43.000 --> 01:51:47.000]  because it's really subtle how it creeps up on us,
[01:51:47.000 --> 01:51:52.000]  and we lose that referential index.
[01:51:52.000 --> 01:51:55.000]  Everything in the mind is about referential index.
[01:51:55.000 --> 01:52:05.000]  When I was talking earlier about the electronic lawyer,
[01:52:05.000 --> 01:52:12.000]  everything about that electronic lawyer is about referential index.
[01:52:12.000 --> 01:52:19.000]  I use a very specific technique to attach one issue to the next,
[01:52:19.000 --> 01:52:22.000]  to the next, to the next, to the next,
[01:52:22.000 --> 01:52:26.000]  in a very tightly connected mind.
[01:52:26.000 --> 01:52:30.000]  It's not always straight, it moves around.
[01:52:30.000 --> 01:52:35.000]  But I can go back to this thought process,
[01:52:35.000 --> 01:52:38.000]  and every piece is exactly connected together.
[01:52:38.000 --> 01:52:41.000]  Never lose it.
[01:52:41.000 --> 01:52:47.000]  The only way we, okay, before it's meant to go there,
[01:52:47.000 --> 01:52:55.000]  is I was at a meeting of big data database programmers,
[01:52:55.000 --> 01:52:59.000]  and they were complaining that the artificial intelligence
[01:52:59.000 --> 01:53:02.000]  had not lived up to its hype.
[01:53:02.000 --> 01:53:08.000]  And I said to them, I said, I have a problem with that
[01:53:08.000 --> 01:53:12.000]  because you guys are looking at artificial intelligence
[01:53:12.000 --> 01:53:17.000]  from a very high level of abstraction,
[01:53:17.000 --> 01:53:23.000]  and you haven't defined the underlying unstated presuppositions
[01:53:23.000 --> 01:53:25.000]  from which you're working.
[01:53:25.000 --> 01:53:30.000]  I have this tool, I call it an electronic lawyer,
[01:53:30.000 --> 01:53:35.000]  and it can kick any living lawyer's behind,
[01:53:35.000 --> 01:53:38.000]  and it has no intelligence whatsoever.
[01:53:38.000 --> 01:53:41.000]  One guy in there said, hey man, I'm a lawyer,
[01:53:41.000 --> 01:53:43.000]  would I take offense to that?
[01:53:43.000 --> 01:53:45.000]  I said, no, no, you don't understand.
[01:53:45.000 --> 01:53:50.000]  All it does is connect dots together.
[01:53:50.000 --> 01:53:53.000]  It doesn't think, it doesn't figure anything out,
[01:53:53.000 --> 01:53:56.000]  it just connects the dots together.
[01:53:56.000 --> 01:54:05.000]  What I'm unable to find is where connecting the dots together stops
[01:54:05.000 --> 01:54:10.000]  and where this thing we call intelligence begins.
[01:54:10.000 --> 01:54:13.000]  So you guys are complaining that artificial intelligence
[01:54:13.000 --> 01:54:15.000]  hasn't lived up to its hype.
[01:54:15.000 --> 01:54:21.000]  Well, can anybody here define generic intelligence?
[01:54:21.000 --> 01:54:24.000]  I don't know what it is.
[01:54:24.000 --> 01:54:27.000]  And so far, for the most part, I don't need it.
[01:54:27.000 --> 01:54:32.000]  All I need to do is be able to connect all the dots together.
[01:54:32.000 --> 01:54:35.000]  And I know you got people here who think I'm really smart.
[01:54:35.000 --> 01:54:37.000]  No, no, no, that's not it.
[01:54:37.000 --> 01:54:39.000]  I've been connecting dots for a long time
[01:54:39.000 --> 01:54:44.000]  and real careful about connecting all these dots together.
[01:54:44.000 --> 01:54:48.000]  So I don't wind up losing my place very often.
[01:54:48.000 --> 01:54:51.000]  I still do, but when I lose my place,
[01:54:51.000 --> 01:54:54.000]  that tells me some dots are missing.
[01:54:54.000 --> 01:54:59.000]  So I back up to what I know and I go look for law
[01:54:59.000 --> 01:55:02.000]  and case law that leads me to this other place.
[01:55:02.000 --> 01:55:05.000]  Does that make sense, John?
[01:55:05.000 --> 01:55:06.000]  Yes.
[01:55:06.000 --> 01:55:08.000]  Does this make sense?
[01:55:08.000 --> 01:55:12.000]  These remmings are tax issue only?
[01:55:12.000 --> 01:55:13.000]  No.
[01:55:13.000 --> 01:55:14.000]  Only tax.
[01:55:14.000 --> 01:55:18.000]  What does tax issue mean?
[01:55:18.000 --> 01:55:20.000]  The tax is not paid.
[01:55:20.000 --> 01:55:23.000]  It was originally put up to be a tax.
[01:55:23.000 --> 01:55:24.000]  Okay.
[01:55:24.000 --> 01:55:25.000]  No.
[01:55:25.000 --> 01:55:31.000]  A remmick is under 386, the IRS code.
[01:55:31.000 --> 01:55:36.000]  And it is a tax.
[01:55:36.000 --> 01:55:41.000]  It's set up as a tax avoidance entity.
[01:55:41.000 --> 01:55:42.000]  Right.
[01:55:42.000 --> 01:55:44.000]  Yes.
[01:55:44.000 --> 01:55:46.000]  It is strictly related to tax.
[01:55:46.000 --> 01:55:49.000]  It's set up for tax purposes.
[01:55:49.000 --> 01:55:50.000]  Okay.
[01:55:50.000 --> 01:55:51.000]  That part I understand.
[01:55:51.000 --> 01:55:55.000]  It was never transferred.
[01:55:55.000 --> 01:55:56.000]  Okay.
[01:55:56.000 --> 01:55:58.000]  Here's another issue.
[01:55:58.000 --> 01:56:00.000]  You're using pronouns.
[01:56:00.000 --> 01:56:03.000]  It was never transferred.
[01:56:03.000 --> 01:56:08.000]  Instead of saying, if you say it,
[01:56:08.000 --> 01:56:13.000]  I have to stop mental flow and go look at that pronoun and say,
[01:56:13.000 --> 01:56:18.000]  okay, what is the referential index for it?
[01:56:18.000 --> 01:56:24.000]  It generally refers to something that was previously mentioned.
[01:56:24.000 --> 01:56:25.000]  Wait.
[01:56:25.000 --> 01:56:27.000]  Say that again.
[01:56:27.000 --> 01:56:33.000]  This is the IRS number of that particular 195-4596514.
[01:56:33.000 --> 01:56:38.000]  That's the IRS number of this remmick that I was in.
[01:56:38.000 --> 01:56:46.000]  There's 11,140 remmicks in that one group.
[01:56:46.000 --> 01:56:49.000]  Was that remmick filed with the IRS?
[01:56:49.000 --> 01:56:50.000]  Okay.
[01:56:50.000 --> 01:57:00.000]  That was a pool of notes that was filed with the IRS
[01:57:00.000 --> 01:57:03.000]  as a real estate mortgage investment condor.
[01:57:03.000 --> 01:57:04.000]  Okay.
[01:57:04.000 --> 01:57:07.000]  But they were never filed with the Securities Exchange Commission,
[01:57:07.000 --> 01:57:11.000]  which makes them the deed of trust and the promise...
[01:57:11.000 --> 01:57:12.000]  Wait a minute.
[01:57:12.000 --> 01:57:13.000]  Wait a minute.
[01:57:13.000 --> 01:57:15.000]  You used they.
[01:57:15.000 --> 01:57:19.000]  What did they refer to?
[01:57:19.000 --> 01:57:23.000]  The correct name of it was CWABS,
[01:57:23.000 --> 01:57:30.000]  Asset Back Securities 205-3, that was the name of it, of the pool.
[01:57:30.000 --> 01:57:31.000]  Okay.
[01:57:31.000 --> 01:57:33.000]  The pool itself.
[01:57:33.000 --> 01:57:34.000]  See, here's the problem.
[01:57:34.000 --> 01:57:36.000]  You're calling the pool, that's a singular,
[01:57:36.000 --> 01:57:40.000]  and you're using a plural noun, a plural pronoun.
[01:57:40.000 --> 01:57:41.000]  What?
[01:57:41.000 --> 01:57:43.000]  PSA.
[01:57:43.000 --> 01:57:44.000]  Okay.
[01:57:44.000 --> 01:57:51.000]  The PSA was never filed with the IRS.
[01:57:51.000 --> 01:57:56.000]  It was set up originally, but they were never transferred.
[01:57:56.000 --> 01:58:03.000]  11,140 individual mortgages.
[01:58:03.000 --> 01:58:08.000]  Anyway, I'll get ahold of you next week and maybe we can get together.
[01:58:08.000 --> 01:58:09.000]  Okay.
[01:58:09.000 --> 01:58:11.000]  Thank you, and we are out of time.
[01:58:11.000 --> 01:58:14.000]  This is Randy Kelton, Wheel of Love Radio.
[01:58:14.000 --> 01:58:16.000]  We're here with Jeff Sedgwick.
[01:58:16.000 --> 01:58:18.000]  Thank you for your time, Jeff.
[01:58:18.000 --> 01:58:21.000]  We'll be back next.
[01:58:21.000 --> 01:58:23.000]  Go ahead, Jeff.
[01:58:23.000 --> 01:58:24.000]  Oh, you're welcome.
[01:58:24.000 --> 01:58:25.000]  Okay.
[01:58:25.000 --> 01:58:26.000]  Okay.
[01:58:26.000 --> 01:58:31.000]  We'll be back next Thursday on our two-hour show with Debbie Stevens.
[01:58:31.000 --> 01:58:32.000]  And then Friday.
[01:58:32.000 --> 01:58:40.000]  Make sure you tune in Monday for Eddie Craig on his traffic sense show.
[01:58:40.000 --> 01:58:50.000]  Thank you all for listening, and good night.
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