[00:12.080 --> 00:21.080]  an ounce, silver $16.45 an ounce, copper $2.75 an ounce, oil, Texas crude $55.63 a barrel,
[00:21.080 --> 00:29.360]  Brent crude $62.47 a barrel, and cryptos in order of market cap, bitcoin core $10,566.52,
[00:29.360 --> 00:41.160]  ethereum $227.26, xrp ripple $0.33, litecoin $100.31, and bitcoin cash $324.10 a crypto
[00:41.160 --> 00:46.160]  coin.
[00:46.160 --> 00:52.560]  Today in history, the year 1916, the Preparedness Day bombing, a timed suitcase bomb was detonated
[00:52.560 --> 00:57.880]  on Market Street in San Francisco during the World War I Preparedness Day parade, killing
[00:57.880 --> 01:04.880]  10 and injuring 40.
[01:04.880 --> 01:09.520]  In recent news, since Governor Greg Abbott signed House Bill 1325 legalizing hemp in
[01:09.520 --> 01:14.200]  a Texas law back in June, county prosecutors around the state, including Houston, Austin
[01:14.200 --> 01:18.160]  and San Antonio, have been dropping marijuana possession charges and even refusing to file
[01:18.160 --> 01:22.840]  new ones since they are stipulating that they do not have the time or the laboratory equipment
[01:22.840 --> 01:24.800]  to test the herb for THC.
[01:24.800 --> 01:28.520]  Margaret Moore, the Travis County District Attorney, announced earlier this month that
[01:28.520 --> 01:33.440]  she was dismissing 32 felony possession and delivery of marijuana cases because of the
[01:33.440 --> 01:34.440]  law.
[01:34.440 --> 01:37.680]  Mr. Abbott and other state officials, including the Attorney General, stipulated in a letter
[01:37.680 --> 01:42.160]  to county district attorneys back on Thursday that marijuana has not been decriminalized
[01:42.160 --> 01:48.320]  in Texas and that these actions demonstrate a misunderstanding of how HB 1325 works.
[01:48.320 --> 01:54.480]  As well as other cities too, like the District Attorney, in El Paso, Jaime Esparza, a Democrat
[01:54.480 --> 01:59.040]  who also stated earlier this month that the law, quote, will not have an effect on the
[01:59.040 --> 02:01.720]  prosecution of marijuana cases in El Paso.
[02:01.720 --> 02:06.800]  However, the issue was succinctly summarized by Mr. Brandon Ball, an assistant public defender
[02:06.800 --> 02:10.840]  in Harris County, who stated that, quote, the law is constantly changing on what makes
[02:10.840 --> 02:13.520]  something illegal based on its chemical makeup.
[02:13.520 --> 02:17.440]  It's important that if someone is charged with something, the test matches what they're
[02:17.440 --> 02:22.640]  charged with.
[02:22.640 --> 02:27.320]  A paper by Tulane University identified a five and a half inch American pocket shark
[02:27.320 --> 02:32.440]  as the first of its kind in the Gulf of Mexico, the specimen being only the second pocket
[02:32.440 --> 02:38.080]  shark ever captured or recorded with the other one being found way back in 1979 in the East
[02:38.080 --> 02:39.560]  Pacific Ocean.
[02:39.560 --> 02:43.880]  According to the university paper, the shark secretes a luminous fluid from a gland near
[02:43.880 --> 02:45.720]  its front fins.
[02:45.720 --> 02:53.920]  For the purpose, it is hypothesized to lure and prey who may be drawn into the glow.
[02:53.920 --> 03:22.800]  This is Brooke Rode with your lowdown for July 22nd, 2019.
[03:24.040 --> 03:28.860]  Black boys, black boys.
[03:28.860 --> 03:32.600]  What you gonna do?
[03:32.600 --> 03:38.360]  What you gonna do when they come for you?
[03:38.360 --> 03:39.360]  What you gonna do?
[03:39.360 --> 03:40.080]  What you gonna do when they come for you?
[03:40.080 --> 03:40.800]  When you were eight and you had bad grades?
[03:40.800 --> 03:44.140]  You go to school and learn the Golden Rule?
[03:44.140 --> 03:46.400]  So why are you acting like a bloody fool?
[03:46.400 --> 03:49.900]  If you get, then you must get cool.
[03:49.900 --> 03:51.700]  Bad boys, bad boys.
[03:51.700 --> 04:16.980]  Okay, howdy, howdy. Randy Kelton, Brett Fountain, Rule of Law Radio on this Thursday, the first
[04:16.980 --> 04:27.580]  day of October 2020, and today I'm especially happy to have a very special guest, Mr. Michael
[04:27.580 --> 04:37.140]  Pines. Anyone who has been around the foreclosure debacle that occurred in 2008 and who's followed
[04:37.140 --> 04:43.500]  it all will know who Michael Pines is. He's probably the single most famous person to
[04:43.500 --> 04:48.460]  take on the banks. Michael, welcome to the show.
[04:48.460 --> 04:52.520]  Thank you, Randy. Pleasure to be here.
[04:52.520 --> 05:03.320]  And you sent me some information on what you do, and I've done a lot of foreclosure stuff,
[05:03.320 --> 05:11.260]  but yours is sophisticated in a way what I did wasn't. You worked with securities, and
[05:11.260 --> 05:19.500]  I never managed to get my head effectively wrapped around the securities issues. Or rather
[05:19.500 --> 05:26.300]  than go to that first, first tell everybody about who you are and what drives you and
[05:26.300 --> 05:28.860]  why you're here.
[05:28.860 --> 05:40.900]  Well, I've been a lawyer in San Diego since 1977. I ended up specializing in business
[05:40.900 --> 05:49.780]  and real estate litigation. I was a trial lawyer, and I became pretty well known. And
[05:49.780 --> 05:58.940]  in about 2008 or 2009, I was living in Salt Lake City, and the LA Times contacted me to
[05:58.940 --> 06:08.660]  ask my opinion about the financial fiasco. And I had retired from the practice of law.
[06:08.660 --> 06:17.740]  I was doing real estate investing. And I pretty soon discovered what the banks were doing,
[06:17.740 --> 06:26.060]  and I got very upset about that. So I went back to practicing law, moved back to San
[06:26.060 --> 06:32.820]  Diego, went back to practicing law, at least part time. And the first case I handled against
[06:32.820 --> 06:42.580]  the banks was a foreclosure, a wrongful foreclosure case. The clients were named the Quinteros,
[06:42.580 --> 06:51.940]  and their case is online, and I won it. And that got noticed. And then I discovered that
[06:51.940 --> 06:58.140]  the California bar, the California bar, most lawyers who've dealt with it know that it's
[06:58.140 --> 07:04.280]  corrupt. It's run by the big law firms for political reasons, the same firms that represent
[07:04.280 --> 07:13.260]  the banks. So of course I found out that the state bar was working with the banks to take
[07:13.260 --> 07:21.140]  people's homes illegally, and I exposed that in the press. Then I found out that Kamala
[07:21.140 --> 07:31.720]  Harris was really favoring the banks, and I exposed that in the press. And I was very
[07:31.720 --> 07:40.300]  critical of the federal government for not letting the big banks fail. So I developed
[07:40.300 --> 07:47.740]  a lot of very powerful enemies. I had a case for a family called the Earls, and the Earls
[07:47.740 --> 07:55.220]  were wonderful people. They would foster up to 10 disabled homeless children at a time.
[07:55.220 --> 08:00.660]  And they had a successful business, and they got behind in their mortgage, but they managed
[08:00.660 --> 08:07.860]  to come up with about $100,000 over six months to bring it current. So they asked the bank
[08:07.860 --> 08:14.140]  to confirm they were current and for an accounting, and they were getting all these notices from
[08:14.140 --> 08:26.420]  entities they never heard of, which is typical. And the bad guys responded by foreclosing
[08:26.420 --> 08:33.260]  on them. So I represented them in a federal court lawsuit, and in their eviction action
[08:33.260 --> 08:38.700]  in California, after there's a foreclosure, for the bank to take possession, they have
[08:38.700 --> 08:44.840]  to file an eviction action, and you're entitled to a jury trial. So I filed the proper papers
[08:44.840 --> 08:50.580]  to get a jury, and on the day of trial in their eviction action, I showed up and politely
[08:50.580 --> 08:55.900]  asked the judge what his procedure was for picking a jury. And he literally laughed in
[08:55.900 --> 09:05.460]  my face and said, you have 15 minutes to present your case. So they got evicted. So Dylan Radigan
[09:05.460 --> 09:14.220]  on MC heard about this, and he brought us into the MSNBC studio in Los Angeles and did
[09:14.220 --> 09:22.300]  an interview, and it went viral. And that led to my giving interviews to all the major
[09:22.300 --> 09:32.180]  media outlets. I was contacted by the media as far off as Ireland. Well, that was it.
[09:32.180 --> 09:40.500]  The banks and Kamala Harris and the bar had enough of me. So they disbarred me. They put
[09:40.500 --> 09:48.380]  me in jail. They put me in prison. And then they put me in mental hospitals for two years.
[09:48.380 --> 09:53.420]  They put me in mental hospitals so they could discredit me and claim I was crazy. And you
[09:53.420 --> 09:59.220]  can hold people there longer than you can in jail. So I've paid a pretty high price
[09:59.220 --> 10:08.020]  for doing this. But I've always specialized in representing the little guy as a lawyer.
[10:08.020 --> 10:18.900]  I've always felt very strongly that what the banks have done is horrible. So I've persisted.
[10:18.900 --> 10:25.980]  And I'm continuing today. Now, before they did all that to me, I represented some pretty
[10:25.980 --> 10:34.060]  famous people. I represented Lenny Dykstra, the famous Philadelphia Philly, in his bankruptcy
[10:34.060 --> 10:44.100]  in Los Angeles. And JPMorgan Chase basically stole everything from him, $50 million. And
[10:44.100 --> 10:52.820]  there was a very corrupt judge, bankruptcy judge. I represented Todd Macaluso, who I
[10:52.820 --> 11:01.240]  helped him with the Casey Anthony case. And the banks foreclosed on him. He was a lawyer.
[11:01.240 --> 11:10.820]  I represented Robert Otis Griffith, former NFL. And I represented other really well-known
[11:10.820 --> 11:18.180]  people. And those people still have rights. And one of these days, now that I'm starting
[11:18.180 --> 11:23.220]  to go public again, I'd like to get a hold of those people and let them know that maybe
[11:23.220 --> 11:29.540]  they can be helped again, because what the banks did to them was horrible. And that's
[11:29.540 --> 11:32.340]  my story.
[11:32.340 --> 11:42.020]  In listening to that, I'm frustrated because I helped. We actually helped file about seven,
[11:42.020 --> 11:49.780]  little over 700 federal lawsuits on foreclosure issues. We addressed everything you could
[11:49.780 --> 12:02.540]  imagine. And not one time did we get a positive ruling on a motion of any import, minor stuff,
[12:02.540 --> 12:08.300]  continuances and minor things we've got rulings in our favor on, but nothing that mattered
[12:08.300 --> 12:17.780]  ever, no matter what we filed. And of all places, California. I tell people on the show
[12:17.780 --> 12:24.860]  here that as much as I've always had people call me up and tell me that, oh, my county
[12:24.860 --> 12:30.900]  is the most corrupt county in the nation. And I said, sure, yeah, everybody says that.
[12:30.900 --> 12:40.680]  They're all corrupt. But California, if there is a most corrupt place, it's California.
[12:40.680 --> 12:46.500]  Never won anything in California. I have kept people in their property a long time, but
[12:46.500 --> 12:51.460]  clearly the judges were bought and paid for.
[12:51.460 --> 13:00.180]  Michael, in this next round of foreclosures that we see coming, because of this COVOID
[13:00.180 --> 13:04.940]  that has disrupted the economy and when you've got a vast majority of the people living from
[13:04.940 --> 13:11.020]  paycheck to paycheck, when those paychecks stops, all sorts of rippling will start happening
[13:11.020 --> 13:19.140]  through the system. What do you see coming in this next wave and how is it going to be
[13:19.140 --> 13:21.260]  different than the last?
[13:21.260 --> 13:30.980]  Well, when the moratoriums start to end, there's going to be a tsunami of foreclosures more
[13:30.980 --> 13:37.100]  than any time in history. We set the record for people being behind on their mortgage
[13:37.100 --> 13:46.860]  in 2011. And in June of this year of 2020, we passed that mark. And so there are going
[13:46.860 --> 13:59.540]  to be enormous numbers of foreclosures. And when the eviction moratoriums end, I think
[13:59.540 --> 14:03.900]  there are going to be enormous numbers of people living in tent cities. There already
[14:03.900 --> 14:11.240]  are in some cities like San Francisco. I don't think people are going to be able to pay their
[14:11.240 --> 14:21.100]  credit card debt. And that's going to cause disruption in the credit markets. All these
[14:21.100 --> 14:29.000]  eviction moratoriums say that you have to get caught up on your rent in some fashion.
[14:29.000 --> 14:31.960]  But I don't think people are going to get caught up on their rent. I don't think the
[14:31.960 --> 14:39.200]  landlords are ever going to get paid the back rent. Back rent is dischargeable in bankruptcy.
[14:39.200 --> 14:43.820]  If people had anything to pay the back rent, they would just file bankruptcy to discharge
[14:43.820 --> 14:50.980]  it. So none of those landlords are going to get their back rent. They're supposed to get
[14:50.980 --> 14:56.900]  caught up on their mortgages. They're not going to have the money to do it because the
[14:56.900 --> 15:06.380]  tenants haven't paid them. And I think it's going to be a disaster. In fact, I would go
[15:06.380 --> 15:15.320]  so far as to say that eventually, I think probably most real estate in the United States
[15:15.320 --> 15:20.380]  is going to be owned by the government. Because the banks are going to have all these foreclosures
[15:20.380 --> 15:25.820]  that are going to be empty houses and empty apartments. And they're going to be so many,
[15:25.820 --> 15:30.560]  there aren't going to be enough buyers. And so the government's going to have to step
[15:30.560 --> 15:38.220]  in and take them over. So it's going to be a total disaster.
[15:38.220 --> 15:48.880]  How long do you anticipate before this wave kind of works through the system? Or is there
[15:48.880 --> 15:51.600]  even a way to predict this one?
[15:51.600 --> 15:57.760]  Well, a lot of the moratoriums are starting to end. I think California's is going to be
[15:57.760 --> 16:08.560]  up in February. And it is hard to predict and it's always hard to predict the future.
[16:08.560 --> 16:20.280]  But I think that by the middle of 2021 or 2021, I think the disaster will have really
[16:20.280 --> 16:22.000]  shown itself.
[16:22.000 --> 16:30.440]  Okay, we're about to go to our sponsors. But when we come back on the other side, I'd like
[16:30.440 --> 16:41.920]  to look at this current situation and how it's different than the 2008 real estate market
[16:41.920 --> 16:49.280]  crash and how you think strategies may be changed this time to meet new conditions.
[16:49.280 --> 16:55.040]  This is Randy Kelton, Brett Fountain, Real Raw Radio. I have the phones off and I will
[16:55.040 --> 17:04.040]  probably keep them off until nine o'clock. We'll be right back.
[17:04.040 --> 17:09.960]  It's the 2019 Logos Radio Network Annual Fundraiser and Gun Giveaway, sponsored by Central Texas
[17:09.960 --> 17:16.380]  Gunworks. Go to LogosRadioNetwork.com and enter to win. Any amount is appreciated. Everything
[17:16.380 --> 17:21.760]  helps to keep us on the air. From Central Texas Gunworks, the grand prize up for grabs
[17:21.760 --> 17:28.760]  is a Spikes Tactical AR-15. More prizes and sponsors to be announced. Every $25 donation
[17:28.760 --> 17:34.820]  is a chance to win. When you purchase Randy Kelton's ebook, Legal 101, you get four chances
[17:34.820 --> 17:40.360]  to win. Purchase Eddie Craig's traffic seminar and get 10 chances to win. If you've enjoyed
[17:40.360 --> 17:45.060]  the shows on Logos Radio Network, support our fundraiser so we can keep bringing you
[17:45.060 --> 17:51.560]  the best quality programming on talk radio today. We also accept Bitcoin and other cryptocurrencies.
[17:51.560 --> 17:58.320]  And remember, every $25 donation is a chance to win. Go to LogosRadioNetwork.com for details
[17:58.320 --> 18:01.440]  and donate today.
[18:01.440 --> 18:06.360]  Logos Radio Network welcomes a new show to our lineup for the new year. Scripture Talk
[18:06.360 --> 18:12.440]  with Nana will begin Wednesday, January 8th from 8 to 10 p.m. Central Time. Our goal is
[18:12.440 --> 18:17.860]  in accord with Matthew 5 16. Let your light so shine before men that they may see your
[18:17.860 --> 18:23.400]  good works and glorify your Father which is in heaven. We wish to reflect God's light
[18:23.400 --> 18:28.620]  and be a blessing to all those with a hearing ear. Join Nana and guests for both verse by
[18:28.620 --> 18:35.140]  verse Bible studies and topical Bible studies designed to provoke unto love and good works.
[18:35.140 --> 18:39.520]  Our verse by verse Bible studies will begin in the book of Matthew where we will discuss
[18:39.520 --> 18:45.280]  one chapter per week. Our topical Bible studies will vary each week and will explore sound
[18:45.280 --> 18:51.080]  doctrine as well as Christian character development. So mark your calendar and join us live on
[18:51.080 --> 18:57.760]  LogosRadioNetwork.com Wednesdays from 8 to 10 p.m. starting January 8 for an inspiring
[18:57.760 --> 19:01.760]  and motivating discussion of the scriptures.
[19:01.760 --> 19:10.760]  You are listening to the Logos Radio Network. LogosRadioNetwork.com
[19:31.760 --> 20:01.680]  Okay.
[20:01.680 --> 20:06.880]  We are back. Randy Kelton, Brett Fountain, Rule of Our Radio and we have our special
[20:06.880 --> 20:14.100]  guest Michael Pines and I'm especially honored to have him on here because in all this time
[20:14.100 --> 20:21.520]  researching there have been two or three names that stood out and Michael Pines was by far
[20:21.520 --> 20:28.500]  the most prominent that he was one of the only ones that was really out there working
[20:28.500 --> 20:37.980]  for the individual. And when we went out we were kind of trying to contemplate how things
[20:37.980 --> 20:42.660]  may be different this time. I know in the last one it became clear that the banks set
[20:42.660 --> 20:52.080]  all that up. From the year 2000 they set this up to bankrupt it to crash the system in 2007
[20:52.080 --> 20:57.740]  and they did that with naked short selling. So they set this up and they made they profited
[20:57.740 --> 21:03.740]  by foreclosing and we had trouble explaining to people how that works how the bank did
[21:03.740 --> 21:10.600]  not want you to pay off your mortgage because they had filed said got several they sold
[21:10.600 --> 21:14.800]  it several times and got insurance policies on it and if you didn't foreclose you couldn't
[21:14.800 --> 21:21.960]  collect on the insurance. Well that didn't happen this time. This time it doesn't appear
[21:21.960 --> 21:30.000]  that the banks set this up so they could make money. Michael can you imagine any way that
[21:30.000 --> 21:39.300]  the banks can profit from this one? Well they are profiting. An example is what they did
[21:39.300 --> 21:46.700]  with the PPP loans. They stole the money. Every time the government gives them money
[21:46.700 --> 21:52.080]  or an opportunity to make money they steal it. There have already been a whole bunch
[21:52.080 --> 21:59.500]  of class actions against the banks. I mean here we are in the worst catastrophe the worst
[21:59.500 --> 22:04.900]  situation in the history of this country and they're still doing it they're stealing everything
[22:04.900 --> 22:15.780]  they can. That PPP loans were supposed to help small businesses and they took it. The
[22:15.780 --> 22:21.800]  government decided to distribute it through those banks and they took it and Randy you're
[22:21.800 --> 22:30.600]  not exactly right it's really not that different than 2008. One of the underlying major problems
[22:30.600 --> 22:42.040]  is called securitization. Banks set that up many decades ago and even before 2008 many
[22:42.040 --> 22:50.600]  legal scholars, financial experts wrote articles saying that securitization was illegal, it
[22:50.600 --> 22:58.160]  was unconstitutional, it was a RICO violation but very few people heard of it. But then
[22:58.160 --> 23:06.280]  in 2008 it all came out in the public because of the financial disaster and now of course
[23:06.280 --> 23:13.320]  there are probably millions of blog posts and articles and there were TV shows 60 minutes
[23:13.320 --> 23:22.040]  did a story on it and movies like the big short and so all of that information is out
[23:22.040 --> 23:29.680]  there and the problem is they can't really make major changes to securitization because
[23:29.680 --> 23:36.600]  it's so embedded in our whole financial system or the whole system is at risk for collapsing
[23:36.600 --> 23:43.040]  like it almost did that's what caused the financial crisis of 2008 the banks involved
[23:43.040 --> 23:50.800]  in all the securitization process and they're doing the same things. They haven't really
[23:50.800 --> 24:00.220]  changed they're still doing foreclosures they're even violating the moratoriums. In New York
[24:00.220 --> 24:06.880]  they're foreclosing by the tens of thousands long after the statute of limitations is run
[24:06.880 --> 24:12.720]  New York has a six-year statute of limitations on judicial foreclosures it's a judicial foreclosure
[24:12.720 --> 24:21.240]  state and they're foreclosing like crazy as fast as they can. So not much has changed
[24:21.240 --> 24:27.440]  the banks take every penny they can get in every way that they can get and they're in
[24:27.440 --> 24:35.800]  trouble again. Wells Fargo laid off something like 20,000 employees Wells Fargo's in trouble
[24:35.800 --> 24:42.400]  I think the other banks are going to get in trouble again and this time I'm not so sure
[24:42.400 --> 24:48.480]  the government can save them like I said they're going to have all these houses there are the
[24:48.480 --> 24:54.240]  millions of empty houses all over the country and I don't think anybody's going to have
[24:54.240 --> 25:01.760]  the money to buy them. So I don't think the government's going to be able to do anything
[25:01.760 --> 25:09.040]  except keep giving the people money and keep going further and further in debt and of course
[25:09.040 --> 25:21.040]  that ultimately leads to inflation and so the banks are really doing the same old things.
[25:21.040 --> 25:29.600]  So how do we address securitization? How do we use that? In all my work with foreclosures
[25:29.600 --> 25:39.120]  I seldom got to securitization issues. I went toward other things mainly contractual stuff.
[25:39.120 --> 25:46.680]  Can you help me understand securitization and when I look at the issue how do I address
[25:46.680 --> 25:57.640]  it in terms of claims and causes of action? Well the banks don't give anybody money they
[25:57.640 --> 26:04.120]  don't loan anybody money it doesn't come out of their account out of their pocket. In the
[26:04.120 --> 26:10.800]  old days the banks used to do that they used to use their own funds they got from depositors
[26:10.800 --> 26:18.760]  and loan that to people and keep the loan on their books and collect the loan themselves
[26:18.760 --> 26:24.680]  and a lot of times they usually had personal relationships with their customers. Well those
[26:24.680 --> 26:33.560]  days are long gone. Anything that cash flows in any way now is securitized all kinds of
[26:33.560 --> 26:45.120]  debt not only home loans all kinds of loans credit card student loans all kinds of debt.
[26:45.120 --> 26:54.280]  Will you explain what securitized means? Sure they turn these loans into registered
[26:54.280 --> 27:01.960]  securities. Registered securities the ones that are regulated by the Securities and Exchange
[27:01.960 --> 27:15.140]  Commission and a security is an investment like a stock or a bond and they basically
[27:15.140 --> 27:22.480]  sell these loans or these debts of any kind to investors and they sell them forward in
[27:22.480 --> 27:28.220]  advance so the money comes from the investors. So when a homeowner gets money for their loan
[27:28.220 --> 27:35.440]  it's coming from investors on Wall Street and then the investors are supposed to get
[27:35.440 --> 27:45.000]  the cash flow they're supposed to get the payments that the borrower makes on the loans
[27:45.000 --> 27:53.720]  and these loans are put into pools large pools and trusts are formed and that's basically
[27:53.720 --> 28:01.680]  the idea. So the investor pays provides the money and they're supposed to get the payments
[28:01.680 --> 28:09.240]  that are made by the borrower and the bank the bank just acts as a middleman putting
[28:09.240 --> 28:16.480]  the two together. So the security part is where they put together all of these loans
[28:16.480 --> 28:25.880]  into one big lump and then they sell off portions of that just like I if I wanted to finance
[28:25.880 --> 28:31.960]  a business I would say okay here's my hundred percent of my business you can buy five percent
[28:31.960 --> 28:36.960]  or ten percent for this much and then for me to do that I have to register this with
[28:36.960 --> 28:43.840]  the Securities Exchange Commission it becomes a securities and investment vehicle. So how
[28:43.840 --> 28:50.200]  is this okay is that am I explaining that correctly?
[28:50.200 --> 28:58.160]  Yeah pretty much. Okay how is this illegal what did they do I mean securities is something
[28:58.160 --> 29:03.600]  that's financed the country for a long time that's kind of how everybody does investment
[29:03.600 --> 29:12.080]  how did they treat this so it became illegal or wrongful?
[29:12.080 --> 29:20.560]  Well first of all a lot of experts or the opinion that turning a loan into a security
[29:20.560 --> 29:31.480]  that itself is illegal. Okay so they're not saying all securities are illegal but when
[29:31.480 --> 29:37.240]  you take a real estate mortgage and turn it into a security that's the part they're talking
[29:37.240 --> 29:43.120]  about that's illegal? Well many experts say that alone is illegal you're not supposed
[29:43.120 --> 29:50.600]  to turn a loan into something else alone. Okay hold on we're about to go to our sponsors
[29:50.600 --> 30:02.040]  Randy Kelton, Brett Fountain, Leeward Law Radio we'll be right back.
[30:02.040 --> 30:06.480]  Businesses ask you for a lot of personal information and you may trust them to keep it safe but
[30:06.480 --> 30:11.320]  it turns out that even the most trusted companies may be unwittingly revealing your secrets.
[30:11.320 --> 30:16.080]  I'm Dr. Catherine Albrecht and I'll be right back with details.
[30:16.080 --> 30:20.440]  Privacy is under attack when you give up data about yourself you'll never get it back
[30:20.440 --> 30:26.040]  again and once your privacy is gone you'll find your freedoms will start to vanish too.
[30:26.040 --> 30:32.080]  So protect your rights say no to surveillance and keep your information to yourself. Privacy
[30:32.080 --> 30:37.240]  it's worth hanging on to. This public service announcement is brought to you by Startpage.com
[30:37.240 --> 30:45.320]  the private search engine alternative to Google, Yahoo and Bing. Start over with Startpage.
[30:45.320 --> 30:50.080]  Data privacy is a big deal so nearly every company has a policy explaining how they handle
[30:50.080 --> 30:54.840]  your personal information but what happens if it escapes their control? It's not an
[30:54.840 --> 31:00.580]  idle question according to a recent survey a shocking 90% of US companies admit their
[31:00.580 --> 31:05.240]  security was breached by hackers in the last year. That's one more reason you should
[31:05.240 --> 31:10.720]  trust your searches to Startpage.com unlike other search engines Startpage doesn't store
[31:10.720 --> 31:15.060]  any data on you. They've never been hacked but even if they were there would be nothing
[31:15.060 --> 31:19.800]  for criminals to see the cupboard would be bare. Too bad other companies don't treat
[31:19.800 --> 31:26.800]  your data the same way. I'm Dr. Catherine Albrecht. More news and information at CatherineAlbrecht.com.
[31:49.800 --> 31:53.640]  I've looked into the evidence and believe there is more to the story. Bring justice
[31:53.640 --> 31:59.800]  to my son, my uncle, my nephew, my son. Go to buildingwhat.org. Why it fell, why it matters
[31:59.800 --> 32:05.480]  and what you can do. Rule of Law Radio is proud to offer the Rule of Law traffic seminar.
[32:05.480 --> 32:09.040]  In today's America we live in an us against them society and if we the people are ever
[32:09.040 --> 32:13.240]  going to have a free society then we're going to have to stand and defend our own rights.
[32:13.240 --> 32:16.440]  Among those rights are the right to travel freely from place to place, the right to act
[32:16.440 --> 32:20.760]  in our own private capacity and most importantly the right to due process of law. Traffic courts
[32:20.760 --> 32:24.800]  afford us the least expensive opportunity to learn how to enforce and preserve our rights
[32:24.800 --> 32:28.520]  through due process. Former sheriff's deputy Eddie Craig in conjunction with Rule of Law
[32:28.520 --> 32:32.040]  Radio has put together the most comprehensive teaching tool available that will help you
[32:32.040 --> 32:36.080]  understand what due process is and how to hold courts to the Rule of Law. You can get
[32:36.080 --> 32:40.160]  your own copy of this invaluable material by going to ruleoflawradio.com and ordering
[32:40.160 --> 32:44.080]  your copy today. By ordering now you'll receive a copy of Eddie's book The Texas Transportation
[32:44.080 --> 32:48.680]  Code The Law Versus the Lie, video and audio of the original 2009 seminar, hundreds of
[32:48.680 --> 32:52.240]  research documents and other useful resource material. Learn how to fight for your rights
[32:52.240 --> 32:56.880]  with the help of this material from ruleoflawradio.com. Order your copy today and together we can
[32:56.880 --> 33:02.880]  have free society we all want and deserve.
[33:02.880 --> 33:19.880]  Free speech radio, logosradionetwork.com, free speech radio, logosradionetwork.com.
[33:19.880 --> 33:41.880]  Free speech radio, logosradionetwork.com, free speech radio, logosradionetwork.com.
[33:41.880 --> 33:57.080]  Okay, we are back. Randy Kelton, Brett Fountain, Wheelbar Radio. Somehow we've lost Brett Fountain
[33:57.080 --> 34:03.500]  today. He's having some technical difficulties. And we really need Brett for comic relief,
[34:03.500 --> 34:10.500]  but I guess we'll get by without him. When we went out, we were talking about securitization
[34:10.500 --> 34:19.200]  and how we can adjudicate issues based on the problems with securitization. What are
[34:19.200 --> 34:23.960]  the problems, Michael, that we can look for?
[34:23.960 --> 34:33.800]  Well, there are a lot of problems, but basically there were a set number of steps that had
[34:33.800 --> 34:45.720]  to be taken in a very specific order in order to form one of these securitization trusts.
[34:45.720 --> 34:52.640]  And of course, since the loan is supposed to end up with the investor, they were at
[34:52.640 --> 35:02.160]  the very end and they were supposed to be assigned the rights to collect the loan. Because
[35:02.160 --> 35:07.560]  as I said, they were supposed to get the payments from the borrower, from the homeowner, and
[35:07.560 --> 35:11.800]  that was never done.
[35:11.800 --> 35:17.920]  So loan auditors can go in and investigate and they show each step that was supposed
[35:17.920 --> 35:27.760]  to be taken. And it was a mortgage, so it was supposed to be assigned to all these different
[35:27.760 --> 35:36.520]  parties in this very specific order. And mortgages and assignments are recorded with the county
[35:36.520 --> 35:44.440]  recorder or the city clerk. So they go to the county recorder and you can see that these
[35:44.440 --> 35:50.360]  assignments were never recorded.
[35:50.360 --> 35:56.060]  So since the proper documentation wasn't done and the mortgages weren't recorded,
[35:56.060 --> 36:02.380]  the investors had absolutely no right to collect the loan.
[36:02.380 --> 36:08.300]  Now to get around this problem, the banks realized, uh-oh, we have a problem. People
[36:08.300 --> 36:18.300]  are getting hip to this. They started creating fraudulent documents and having them forged.
[36:18.300 --> 36:22.080]  Because when they had to go to court and someone said, well, prove that you have the right
[36:22.080 --> 36:29.040]  to collect this loan, they had to have all those assignments of mortgage and they didn't
[36:29.040 --> 36:39.680]  have them. And so they just started creating them and making up phony documents and having
[36:39.680 --> 36:45.960]  they hired or they had tons of employees that just sat there and did it in a factory assembly
[36:45.960 --> 36:54.200]  line-line fashion. That's why I've got the name robo-signing, which has become famous.
[36:54.200 --> 37:01.560]  So they just create these fraudulent documents. And that's criminal. That's criminal fraud.
[37:01.560 --> 37:08.960]  Let me interject just a second here. Tina Colebrook, everybody who listens on a regular
[37:08.960 --> 37:15.400]  basis will know who she is. She's been going after these guys over a wrongful foreclosure.
[37:15.400 --> 37:21.800]  She will be calling in later and she's got some crowing to do. And I'm looking at this
[37:21.800 --> 37:30.380]  thinking that something incredible is happening here because Tina's in California and she
[37:30.380 --> 37:43.560]  got a robo-sign document from Texas. And I had her ask for the notary log where the verification
[37:43.560 --> 37:49.820]  of the signature was done. We want to see the log reflecting the date and time that
[37:49.820 --> 37:58.880]  verification was done. Well, they couldn't find the notary was a client, was an employee
[37:58.880 --> 38:04.000]  and they've been gone for two or three years. They couldn't find them, blah, blah, blah.
[38:04.000 --> 38:14.700]  And apparently the law firm told the notary not to send the notary logs because the notary
[38:14.700 --> 38:22.920]  worked for the law firm. Well, she filed criminal charges with the district attorney in Travis
[38:22.920 --> 38:36.120]  County for 32.46 securing and issuing a document by deception. And the district attorney just
[38:36.120 --> 38:41.080]  notified her he's given it to the grand jury.
[38:41.080 --> 38:43.080]  That's awesome.
[38:43.080 --> 38:50.240]  For me, that was a, I almost don't believe this. I've been in Texas. Travis County district
[38:50.240 --> 38:58.120]  attorney knows me really well. I've hammered them big time. Never ever have I got the Travis
[38:58.120 --> 39:03.640]  County district attorney or any district attorney in Texas to take one of my complaints to a
[39:03.640 --> 39:11.720]  grand jury. I've got them there myself, but never did a district attorney touch them.
[39:11.720 --> 39:21.200]  So I'm wondering, Michael, why would the district attorney pick up a robo signing case against
[39:21.200 --> 39:29.480]  a major law firm? I would think they'd be afraid of the press.
[39:29.480 --> 39:36.400]  The weak point for all of these public officials is if they think it's going to be exposed
[39:36.400 --> 39:44.760]  on the internet or on the press. I would be very, I would suspect that whoever this person
[39:44.760 --> 39:53.040]  is that got the DA to do this, she let it be known that she had access to publish on
[39:53.040 --> 40:02.720]  the internet or with the press because that's what these public officials care about. If
[40:02.720 --> 40:08.240]  you can convince them that you will expose what they're doing or not doing on the internet
[40:08.240 --> 40:14.400]  or on the press, then sometimes you can get them to take action.
[40:14.400 --> 40:25.160]  Well, I hope that's what it is. If they get an indictment in a robo-signing case, and
[40:25.160 --> 40:34.740]  this one's so odd because the complaint it's in California. This is not just Texas. So
[40:34.740 --> 40:40.640]  a California complaint and files a complaint in Texas and the DA actually picked it up.
[40:40.640 --> 40:49.800]  I'm wondering if there's likely to be some politics behind this. I hope so.
[40:49.800 --> 40:56.680]  Well, the other thing that's going on is the banks hang the law firms out to dry. They
[40:56.680 --> 41:04.240]  don't care what happens to the law firms. They just want to avoid being blamed themselves.
[41:04.240 --> 41:09.840]  So they don't help the law firms when they get in trouble. There's plenty of lawyers.
[41:09.840 --> 41:16.280]  The lawyers make tons of money representing the banks. And so if a lawyer gets in trouble,
[41:16.280 --> 41:23.680]  they just find another one. The banks pay them very well and they just hang them out
[41:23.680 --> 41:29.240]  to dry. So they don't care.
[41:29.240 --> 41:33.480]  I'm hoping we can use some of that against them.
[41:33.480 --> 41:39.020]  And of course, it's always the little guy. It's always the little notary. You'll never
[41:39.020 --> 41:44.520]  see one of the big partners in the law firms that disciplined by the bar or prosecuted
[41:44.520 --> 41:52.620]  by the DA. So the law firms really don't care. They got plenty of employees. They're paying
[41:52.620 --> 41:56.600]  very little. And if one of their employees goes to jail, there's plenty more where they
[41:56.600 --> 42:04.980]  came from. So they'll just hang this poor notary out to dry.
[42:04.980 --> 42:12.880]  So in the real world that we live in, it's not like they told you when you went to high
[42:12.880 --> 42:21.280]  school. I keep thinking of that Simon and Garfunkel song, after all the crap I've learned
[42:21.280 --> 42:30.300]  in high school, it's a wonder I can think at all. And on this show, we talk about how
[42:30.300 --> 42:36.200]  in a perfect world, it might work that way. But if this were a perfect world, I'm pretty
[42:36.200 --> 42:38.880]  sure I wouldn't be here.
[42:38.880 --> 42:48.280]  I'm not sure about the rest of you guys. So how do we navigate this imperfect world so
[42:48.280 --> 42:58.280]  we can take advantage of whatever weaknesses they have? Where are their weaknesses?
[42:58.280 --> 43:07.480]  Well, knowledge is power. And you need to file a lawsuit in a court, whether it's bankruptcy
[43:07.480 --> 43:19.160]  court or federal court or state court, and convince a judge that your case has merit.
[43:19.160 --> 43:24.280]  And there are several ways to do that.
[43:24.280 --> 43:32.640]  Some of the techniques that I'm recommending are this. As soon as a judge hears that some
[43:32.640 --> 43:38.380]  borrower is in court, some homeowner didn't pay their mortgage, they immediately start
[43:38.380 --> 43:42.560]  to think they're deadbeats who are just trying to get out of paying their loan.
[43:42.560 --> 43:47.560]  Okay, hold on. We're about to go to our sponsors and we'll pick up on the deadbeats when we
[43:47.560 --> 43:54.320]  come back. Randy Kelton, Brett Fountain, Rule of Law Radio. After this next segment, I'll
[43:54.320 --> 44:00.320]  turn the phone lines on, but try to call in with questions on point. We'll be right back.
[44:00.320 --> 44:05.120]  I love logos. Without the shows on this network, I'd be almost as ignorant as my friends. I'm
[44:05.120 --> 44:08.880]  so addicted to the truth now that there's no going back. I need my truth fixed. I'd
[44:08.880 --> 44:13.800]  be lost without logos. And I really want to help keep this network on the air. I'd love
[44:13.800 --> 44:17.440]  to volunteer as a show producer, but I'm a bit of a Luddite and I really don't have any
[44:17.440 --> 44:22.080]  money to give because I spend it all on supplements. How can I help logos?
[44:22.080 --> 44:27.040]  Well, I'm glad you asked. Whenever you order anything from Amazon, you can help logos.
[44:27.040 --> 44:31.560]  When ordering your supplies or holiday gifts, first thing you do is clear your cookies.
[44:31.560 --> 44:38.320]  Now go to logosradionetwork.com. Click on the Amazon logo and bookmark it. Now when
[44:38.320 --> 44:43.600]  you order anything from Amazon, you use that link and logos gets a few pesos.
[44:43.600 --> 44:44.600]  Do I pay extra?
[44:44.600 --> 44:45.600]  No.
[44:45.600 --> 44:47.240]  Do I have to do anything different when I order?
[44:47.240 --> 44:48.240]  No.
[44:48.240 --> 44:49.240]  Can I use my Amazon Prime?
[44:49.240 --> 44:50.240]  No.
[44:50.240 --> 44:51.240]  I mean, yes.
[44:51.240 --> 44:57.000]  Wow. Giving without doing anything or spending any money. This is perfect. Thank you so much.
[44:57.000 --> 44:58.560]  You're welcome.
[44:58.560 --> 45:01.480]  Happy Holidays, Logos.
[45:01.480 --> 45:07.900]  Are you the plaintiff or defendant in a lawsuit? Win your case without an attorney with Jurisdictionary,
[45:07.900 --> 45:15.040]  the affordable, easy to understand 4CD course that will show you how in 24 hours, step-by-step.
[45:15.040 --> 45:21.220]  If you have a lawyer, know what your lawyer should be doing. If you don't have a lawyer,
[45:21.220 --> 45:26.520]  know what you should do for yourself. Thousands have won with our step-by-step course, and
[45:26.520 --> 45:32.920]  now you can too. Jurisdictionary was created by a licensed attorney with 22 years of case
[45:32.920 --> 45:38.480]  winning experience. Even if you're not in a lawsuit, you can learn what everyone should
[45:38.480 --> 45:44.200]  understand about the principles and practices that control our American courts. You'll receive
[45:44.200 --> 45:51.640]  our audio classroom, video seminar, tutorials, forms for civil cases, pro se tactics, and
[45:51.640 --> 45:57.800]  much more. Please visit RuleOfLawRadio.com and click on the banner or call toll free
[45:57.800 --> 46:07.960]  866-LAW-EASY.
[46:07.960 --> 46:26.120]  Okay, we are back. Randy Kelton, Brett Fountain, Rule of Law Radio here with our very special
[46:26.120 --> 46:32.360]  guest Mr. Michael Pines. And when we were on the break, we were talking about bankruptcies
[46:32.360 --> 46:43.520]  and in my notes, that's the next step. If we have a note that has been securitized and
[46:43.520 --> 46:51.480]  securitization is something that gives us tools we can work with. How do we look at
[46:51.480 --> 46:58.240]  the documents in say a bankruptcy or a mortgage in a mortgage state where they have to sue
[46:58.240 --> 47:07.640]  to foreclose? What do we look for to tell if the mortgage has been securitized?
[47:07.640 --> 47:12.260]  Well the first step is very simple, which is what people should try to get judges to
[47:12.260 --> 47:20.220]  pay attention to. If you look at the parties, the two documents in a real estate loan of
[47:20.220 --> 47:27.640]  course are the promissory note and the mortgage, which is usually a deed of trust. And if you
[47:27.640 --> 47:39.080]  look at the parties that are named in those documents, those parties are not the parties
[47:39.080 --> 47:45.340]  that are trying to foreclose. In a judicial foreclosure state, they're not the parties
[47:45.340 --> 47:52.880]  named in the complaint. In a nonjudicial foreclosure state, they're not the parties filing, processing
[47:52.880 --> 47:59.520]  the foreclosure. They're completely different people. So you can make it very simple for
[47:59.520 --> 48:04.160]  a judge. You just say judge, you know all you have to do is look at the names of the
[48:04.160 --> 48:12.360]  entities on the promissory note and on the mortgage. And now let's look at the parties
[48:12.360 --> 48:19.700]  who are claiming they have the right to foreclose and the names are different. So don't you
[48:19.700 --> 48:26.880]  think we should ask a few questions? Like how did these people get here and why do they
[48:26.880 --> 48:33.680]  think they should be the ones that have the right to foreclose? You have to keep things
[48:33.680 --> 48:39.000]  simple for a judge. A lot of these judges are former prosecutors. They don't know anything
[48:39.000 --> 48:48.280]  about real estate or civil law, very busy. So you have to keep things very simple. And
[48:48.280 --> 48:53.160]  that's one very simple thing to do. You can say, you know judge, you have people come
[48:53.160 --> 48:58.860]  to court all the time that have committed crimes and fraud and try to get money they're
[48:58.860 --> 49:08.220]  not entitled to. So here we have some new parties in court that my client never heard
[49:08.220 --> 49:18.260]  of before. My client didn't take a loan from this US bank as trustee for whatever this
[49:18.260 --> 49:27.560]  entity is. They got a loan from Union Bank or Bank of America or whoever it was. And
[49:27.560 --> 49:35.280]  Bank of America is not here. And Union Bank isn't here. It's this entity that has this
[49:35.280 --> 49:51.520]  really funny sounding name because it will be D for the something, trust. And who are
[49:51.520 --> 49:59.840]  these people? We're in a court of law. We're allowed to ask people to prove when they say
[49:59.840 --> 50:06.640]  something that it's true. So shouldn't these new people that my client never heard of that
[50:06.640 --> 50:12.360]  aren't anywhere on any of the loan documents that they signed, shouldn't we be allowed
[50:12.360 --> 50:17.420]  to ask them why they're here and why they think they have the right to foreclose? And
[50:17.420 --> 50:25.720]  this is really big stuff. This is serious stuff of foreclosure. There have been many,
[50:25.720 --> 50:32.960]  many psychological studies since 2008 saying that the threat of losing your home or actually
[50:32.960 --> 50:40.920]  losing your home is one of the severest traumas that a person can suffer. And there are countless
[50:40.920 --> 50:49.080]  stories of people committing suicide, families breaking up, homeowners barricading themselves
[50:49.080 --> 50:56.200]  in houses with guns and shooting it out with the police. This is something pretty serious.
[50:56.200 --> 51:03.680]  So shouldn't you judge maybe take a few minutes and ask these parties a few questions that
[51:03.680 --> 51:06.280]  nobody's ever heard of before?
[51:06.280 --> 51:15.440]  Yes. We had a case from San Diego, actually. I went there and did a presentation to this
[51:15.440 --> 51:22.280]  group. And the one guy asked me to help him. And he said, the reason I asked you to help
[51:22.280 --> 51:27.600]  me is because you stood in front of everybody and said, if somebody comes in here and tells
[51:27.600 --> 51:35.000]  you they can take you to court and get you a specific outcome, don't walk away from them.
[51:35.000 --> 51:43.640]  Run away from them. The courts are arbitrary and capricious. So they went with me. And
[51:43.640 --> 51:53.000]  the first suit we filed was a who the heck are you suit. Now, Wells Fargo was the lender.
[51:53.000 --> 51:58.360]  Wells Fargo was the servicer. Wells Fargo was doing the foreclosure. And we filed a
[51:58.360 --> 52:04.520]  little three page suit that said, who the heck are you? We never entered into a contract.
[52:04.520 --> 52:10.820]  You never entered a contract with your alleged principal. Prove it up. And that's because
[52:10.820 --> 52:18.480]  we didn't have to admit anything. You're making the claim. Prove it up. Six years later, the
[52:18.480 --> 52:27.040]  Supreme denied my cert. And I thought that was a good one. They threw it out. They denied
[52:27.040 --> 52:34.080]  it. The guy stayed in the property for six years. He bought it for $350,000. He stayed
[52:34.080 --> 52:40.040]  in it for six years, paying nothing. And then I told him, okay, now we can file the good
[52:40.040 --> 52:45.120]  suit. He said, no, I'm tired of this. He sold it. The property that the bank said he
[52:45.120 --> 52:53.620]  owed $560,000. He sold it for $890, paid the bank, went to Phoenix, bought a better home
[52:53.620 --> 52:56.120]  and left all the way to the bank.
[52:56.120 --> 53:04.920]  Well, see, you can have some victories. Good for him. And living in a house in California
[53:04.920 --> 53:11.920]  for six years, I mean, you're supposed to be paying rent or a mortgage one or the other.
[53:11.920 --> 53:14.560]  That's at least $2,000 a month.
[53:14.560 --> 53:16.520]  Where he was at, it was $3,500.
[53:16.520 --> 53:26.000]  Okay. $3,500 times 12 months times six years is a heck of a lot of money.
[53:26.000 --> 53:35.000]  The point of that is we think that when we go into court that the way we win is for the
[53:35.000 --> 53:42.400]  judge to bang the gavel and rule in our favor. Yeah, good luck with that. There are other
[53:42.400 --> 53:48.720]  ways of winning. And this was the strategy here. We were pretty sure the bank would rule
[53:48.720 --> 53:57.040]  against us out of hand in every turn. So let's hold them off as long as we can. That's the
[53:57.040 --> 54:02.320]  strategy you can win or let's create enough difficulty for them that we can then go to
[54:02.320 --> 54:07.840]  them and say, look, guys, we're going to cause you so much grief. It's going to cost you
[54:07.840 --> 54:15.280]  all of this money. How about we just sit down and make a deal? And it became my mantra.
[54:15.280 --> 54:22.240]  If you're going to get into a fight with the banks, these are the bad guys on the block.
[54:22.240 --> 54:27.840]  Remember Jesus Christ. He went around the Holy Land preaching what the Pharisees construed
[54:27.840 --> 54:39.760]  as heresy. Saul from Tarsus went to the Pharisees and wanted them to crucify Peter and what
[54:39.760 --> 54:44.960]  was Peter's brother? John and Peter. And the Pharisees said, ah, we don't care. He's not
[54:44.960 --> 54:51.760]  bothering anybody. It wasn't until he went into the temple and kicked over the tables
[54:51.760 --> 54:58.800]  of the money changers. That's when he got in trouble. The banks have always been the
[54:58.800 --> 55:06.320]  baddest guys on the block. And us little guys, we think we're going to beat this juggernaut.
[55:06.320 --> 55:16.480]  The best thing we can do is make a deal. That's my story. But so how do we think about this
[55:16.480 --> 55:25.880]  so that we can find an actual remedy? Well, the first thing you have to do is if
[55:25.880 --> 55:33.080]  you're in danger of being evicted before you can do a whole lot of stuff, you have to immediately
[55:33.080 --> 55:40.760]  file bankruptcy. That can be done online very quickly. You just fill out what's called the
[55:40.760 --> 55:47.700]  bare bones petition. It's filed electronically. If you don't have any money, you can even
[55:47.700 --> 55:54.520]  get them to waive the filing fee. And that immediately stops everything.
[55:54.520 --> 56:00.680]  Yes. And let me comment for those out there who have no experience with the courts. Most
[56:00.680 --> 56:05.120]  people have experience with the traffic courts and you go in there and they're rude and they're
[56:05.120 --> 56:11.620]  demanding and they pay no attention to anything. It's just a horrible experience. Federal courts
[56:11.620 --> 56:20.280]  are different. They're pros, they're polite and the federal clerks have been ordered to
[56:20.280 --> 56:26.480]  assist pro se litigants. You go to a federal court to file bankruptcy and these do not
[56:26.480 --> 56:33.680]  ever start a fight with the clerks. They will bend over backwards to help you. So if you're
[56:33.680 --> 56:37.720]  thinking about filing a bankruptcy and you're worried about going down to the court and
[56:37.720 --> 56:44.360]  you're only experiences in these lower courts, I assure you it's much different up there.
[56:44.360 --> 56:49.740]  That's very true. They're much better paid. They're much better educated and they'd like
[56:49.740 --> 56:56.780]  to help. And one thing about the property, if you have
[56:56.780 --> 57:07.080]  a mortgage, whatever you do, if you hire a lawyer, make absolutely sure that lawyer claims
[57:07.080 --> 57:18.960]  the property as unsecured. If he doesn't, you have almost no standing. If you claim
[57:18.960 --> 57:24.920]  it as unsecured, even if it's absolutely secured and you entered into a contract with him and
[57:24.920 --> 57:32.180]  they got all this goods on you, you don't have to admit to anything. If they claim it,
[57:32.180 --> 57:38.380]  let them prove it up. Right. That should be listed as unsecured
[57:38.380 --> 57:50.880]  and disputed. And what we found is they can't prove it up. They may actually be the legitimate
[57:50.880 --> 57:57.720]  holder of the mortgage, but being the legitimate holder and being able to prove that you're
[57:57.720 --> 58:06.080]  a legitimate holder, that's a whole different animal. That's where we had our best successes.
[58:06.080 --> 58:09.920]  Our only real wins have been in the bankruptcy court.
[58:09.920 --> 58:17.760]  So, okay. About to go to our sponsors. I have the phone lines on. So if you have a question
[58:17.760 --> 58:27.520]  or comment, give us a call. 512-646-1984. Since you have a really special guest today,
[58:27.520 --> 58:34.480]  try to give us some calls on point on foreclosure issues. If you have other calls, we'll save
[58:34.480 --> 58:40.000]  those for tomorrow night when we do our four-hour show. Randy Kelton, Brett Fountain, Rule of
[58:40.000 --> 58:50.460]  Law Radio, our call-in number, 512-646-1984. We'll be right back.
[58:50.460 --> 58:55.880]  The Bible remains the most popular book in the world, yet countless readers are frustrated
[58:55.880 --> 59:01.100]  because they struggle to understand it. Some new translations try to help by simplifying
[59:01.100 --> 59:07.580]  the text, but in the process can compromise the profound meaning of the scripture. Enter
[59:07.580 --> 59:13.760]  the recovery version. First, this new translation is extremely faithful and accurate, but the
[59:13.760 --> 59:20.120]  real story is the more than 9,000 explanatory footnotes. Difficult and profound passages
[59:20.120 --> 59:25.560]  are opened up in a marvelous way, providing an entrance into the riches of the Word beyond
[59:25.560 --> 59:31.200]  which you've ever experienced before. Bibles for America would like to give you a free
[59:31.200 --> 59:36.720]  recovery version simply for the asking. This comprehensive yet compact study Bible is yours
[59:36.720 --> 59:48.080]  just by calling us toll-free at 1-888-551-0102 or by ordering online at freestudybible.com.
[59:48.080 --> 01:00:00.880]  That's freestudybible.com. You're listening to the Logos Radio Network at logosradionetwork.com.
[01:00:00.880 --> 01:00:07.520]  The following newsflash is brought to you by the Lone Star Lowdown. Markets for Monday
[01:00:07.520 --> 01:00:15.000]  the 22nd of July 2019 open with precious metals, gold at $1,429 an ounce, silver $16.45 an
[01:00:15.000 --> 01:00:23.840]  ounce, copper $2.75 an ounce, oil Texas crude $55.63 a barrel, Brent crude $62.47 a barrel,
[01:00:23.840 --> 01:00:33.240]  and crypto is an order of market cap, bitcoin core $10,566.52, ethereum $227.26, xrp ripple
[01:00:33.240 --> 01:00:47.040]  $0.33, litecoin $100.31, and bitcoin cash is at $324.10 a crypto coin. Today in history
[01:00:47.040 --> 01:00:53.160]  the year 1916 the preparedness day bombing a time suitcase bomb was detonated on Market
[01:00:53.160 --> 01:00:58.720]  Street in San Francisco during the World War I preparedness day parade killing 10 and injuring
[01:00:58.720 --> 01:01:08.760]  40. Today in history. In recent news since Governor Greg Abbott signed House Bill 1325
[01:01:08.760 --> 01:01:13.160]  legalizing hemp in a Texas law back in June, county prosecutors around the state including
[01:01:13.160 --> 01:01:17.280]  Houston, Austin, and San Antonio have been dropping marijuana possession charges and
[01:01:17.280 --> 01:01:20.880]  even refusing to file new ones since they are stipulating that they do not have the
[01:01:20.880 --> 01:01:26.480]  time or the laboratory equipment to test the herb for THC. Margaret Moore the Travis County
[01:01:26.480 --> 01:01:30.720]  District Attorney announced earlier this month that she was dismissing 32 felony possession
[01:01:30.720 --> 01:01:35.560]  and delivery of marijuana cases because of the law. Mr. Abbott and other state officials
[01:01:35.560 --> 01:01:39.340]  including the Attorney General stipulated in a letter to county district attorneys back
[01:01:39.340 --> 01:01:44.560]  on Thursday that marijuana has not been decriminalized in Texas and that these actions demonstrate
[01:01:44.560 --> 01:01:50.480]  a misunderstanding of how HB 1325 works. As well as other cities too like the District
[01:01:50.480 --> 01:01:56.720]  Attorney in El Paso Jaime Esparza a Democrat who also stated earlier this month that the
[01:01:56.720 --> 01:02:02.620]  law quote will not have an effect on the prosecution of marijuana cases in El Paso. However the
[01:02:02.620 --> 01:02:07.320]  issue was succinctly summarized by Mr. Brandon Ball an assistant public defender in Harris
[01:02:07.320 --> 01:02:12.120]  County who stated that quote the law is constantly changing on what makes something illegal based
[01:02:12.120 --> 01:02:16.620]  on its chemical makeup. It's important that if someone is charged with something the test
[01:02:16.620 --> 01:02:22.760]  matches what they're charged with.
[01:02:22.760 --> 01:02:27.400]  A paper by Tulane University identified a five and a half inch American pocket shark
[01:02:27.400 --> 01:02:32.520]  as the first of its kind in the Gulf of Mexico. The specimen being only the second pocket
[01:02:32.520 --> 01:02:38.160]  shark ever captured or recorded with the other one being found way back in 1979 in the East
[01:02:38.160 --> 01:02:42.780]  Pacific Ocean. According to the university paper the shark secretes a luminous fluid
[01:02:42.780 --> 01:02:49.320]  from a gland near its front fins for the purpose it is hypothesized to lure and prey who may
[01:02:49.320 --> 01:02:50.960]  be drawn into the glow.
[01:02:50.960 --> 01:03:20.480]  This is Rook Rody with your Lowdown for July 22nd 2019.
[01:03:20.960 --> 01:03:50.480]  This is Rook Rody with your Lowdown for July 22nd 2019.
[01:03:50.480 --> 01:04:03.120]  Okay we are back. Greg Kelton, Brett Fountain, WU Law Radio on this Thursday the first day
[01:04:03.120 --> 01:04:14.240]  of October 2020. And we have one caller but Tina hang on. Well let me go ahead to Tina
[01:04:14.240 --> 01:04:19.200]  and then we'll go back to I want to talk about bankruptcy. I'm pretty excited about bankruptcy
[01:04:19.200 --> 01:04:23.780]  but we've got Tina and I owe it to her to bring her up because she's got the crowing
[01:04:23.780 --> 01:04:35.380]  rights. Tina yes Randy. Okay tell everybody what's happening. Well first let me welcome
[01:04:35.380 --> 01:04:43.680]  Michael Pines. Michael I met you back back in 2020. Tina try to move the mic a little
[01:04:43.680 --> 01:04:51.600]  away from your mouth. You're overpowering the mic. Okay is this a little better? Yes.
[01:04:51.600 --> 01:04:59.080]  And okay I've already I've already warned Michael that uh you speak with a strange foreign
[01:04:59.080 --> 01:05:13.640]  accent. Yeah and I use funny words don't I? Terrible. Okay tell us what happened in Texas.
[01:05:13.640 --> 01:05:22.000]  Well um I had the help of Brett um to file some criminal complaints actually against
[01:05:22.000 --> 01:05:30.320]  Stephen Turner Mnuchin and Joseph Otting. Wait a minute Mnuchin? Wait hold on Tina Mnuchin
[01:05:30.320 --> 01:05:39.480]  the Judge Mnuchin? No no the Treasury Secretary Mnuchin. Oh okay. He's the one who used to
[01:05:39.480 --> 01:05:47.600]  be the not the CEO but the you know whatever it was of One West Bank owner you know whatever
[01:05:47.600 --> 01:05:55.600]  he was one of the five billionaire owners um and I did this back in July and we did
[01:05:55.600 --> 01:06:01.640]  not hear anything and was kind of getting ready to actually call you and say you know
[01:06:01.640 --> 01:06:08.320]  where do we go from here because I never got the letter initialed or postcard initialed
[01:06:08.320 --> 01:06:15.560]  by the foreman of the grand jury. Okay okay hold on just a second let me explain to everybody
[01:06:15.560 --> 01:06:23.200]  what that means uh what we see what we suggest if you send in a complaint uh you can send
[01:06:23.200 --> 01:06:28.960]  it directly to the grand jury in at least in Texas and in most states. In Texas it's
[01:06:28.960 --> 01:06:37.500]  under 20.09 it says the grand jury shall examine into all all crimes subject to indictment
[01:06:37.500 --> 01:06:45.720]  that come to their knowledge by way of a grand jury member the prosecuting attorney or any
[01:06:45.720 --> 01:06:52.400]  credible person but when you send a complaint to the grand jury the only address you have
[01:06:52.400 --> 01:06:58.920]  is district attorney's office and the district attorney will get it and he'll throw it in
[01:06:58.920 --> 01:07:06.040]  the trash. So put a cover letter in the package that's directed to the foreman of the grand
[01:07:06.040 --> 01:07:12.380]  jury and ask the foreman of the grand jury to initial this document and return it to
[01:07:12.380 --> 01:07:17.000]  you in the stamped self-addressed envelope so that you will know that he actually got
[01:07:17.000 --> 01:07:22.600]  the document because we have problems with prosecuting attorneys shielding criminal complaints
[01:07:22.600 --> 01:07:30.920]  from the grand jury. When you don't get that back well that's reasonable probable cause
[01:07:30.920 --> 01:07:39.560]  to believe that somebody secreted that document from the grand jury and since it goes through
[01:07:39.560 --> 01:07:45.880]  the district attorney's office you file criminal charges against the district attorney for
[01:07:45.880 --> 01:07:54.720]  tampering with a government document. It's a way to wedge them off the dime so okay go
[01:07:54.720 --> 01:08:01.000]  ahead Tina you sent it you sent the cover letter you didn't get the cover letter back.
[01:08:01.000 --> 01:08:05.800]  I didn't get the cover letter back and they have my stamped addressed envelope and I'd
[01:08:05.800 --> 01:08:13.120]  filed two complaints um anyway this morning I told me out of the blue I got this phone
[01:08:13.120 --> 01:08:20.280]  call from Erica Scipiora the assistant district attorney intake chief of Travis County and
[01:08:20.280 --> 01:08:29.160]  she told me that you know she wanted to let me know that my complaint against Mnuchin
[01:08:29.160 --> 01:08:36.200]  is going to that they were in receipt of it uh and they even gave us a date of July 13th
[01:08:36.200 --> 01:08:40.980]  and it says at the present time the Travis County grand jurors are operating on a limited
[01:08:40.980 --> 01:08:48.760]  capacity due to COVID-19 while your complaint will be bought before the grand jury for consideration
[01:08:48.760 --> 01:08:55.720]  we are not at present able to give you a date certain regarding when that night. Okay okay
[01:08:55.720 --> 01:09:06.320]  stop for a second I missed something in our earlier emails Mnuchin he is what is his position
[01:09:06.320 --> 01:09:19.000]  again right now he's the treasury secretary okay the united states in texas treasury secretary
[01:09:19.000 --> 01:09:27.240]  texas has a law I've never seen anywhere else section two of the texas code of criminal
[01:09:27.240 --> 01:09:35.000]  procedure goes to duties of officers and it starts with prosecuting attorneys 2.01 says
[01:09:35.000 --> 01:09:40.040]  the prosecuting attorney it shall be the primary duty the prosecuting attorney not to secure
[01:09:40.040 --> 01:09:46.640]  conviction but to ensure that justice is served he shall not secret witnesses or evidence
[01:09:46.640 --> 01:09:51.540]  to show the innocence of the accused or mitigate the guilt of the accused well that's nice
[01:09:51.540 --> 01:09:57.800]  high-minded high-sounded rhetoric but it really doesn't tell the prosecutor to do anything
[01:09:57.800 --> 01:10:05.360]  in particular 202 says county attorney handles this stuff district attorney handles this
[01:10:05.360 --> 01:10:14.640]  stuff 2.03 the first one that gives a specific directive says when a and I'm paraphrasing
[01:10:14.640 --> 01:10:22.540]  here because it's a little bit long if a prosecuting attorney is made known in any manner that
[01:10:22.540 --> 01:10:29.840]  a public official has violated a law relating to his office he shall reduce the complaint
[01:10:29.840 --> 01:10:41.080]  to an information submitted to the grand jury so we have the travis county district attorney
[01:10:41.080 --> 01:10:49.120]  filing criminal charges against the secretary of the treasury with a travis county grand
[01:10:49.120 --> 01:10:58.560]  jury is it michael does this sound insane
[01:10:58.560 --> 01:11:07.680]  that's pretty amazing tina what's going on too i don't know but you know me i haven't
[01:11:07.680 --> 01:11:13.400]  given up and michael i don't know if you remember me from way back uh we'd spoken and i was
[01:11:13.400 --> 01:11:20.880]  on one of your calls um i actually met a dear friend from that call and i've been fighting
[01:11:20.880 --> 01:11:29.600]  ever since and uh failing miserably in the california courts i failed miserably in bankruptcy
[01:11:29.600 --> 01:11:36.600]  in california i had a very poor attorney um who i think was on the bank side and just
[01:11:36.600 --> 01:11:43.480]  wanted his money uh because the amount of fraud in that was just absolutely unreal but
[01:11:43.480 --> 01:11:50.360]  they keep coming back to res judicata and as randy knows i'm in uh an appeal right now
[01:11:50.360 --> 01:11:58.200]  about getting my original note with a uh a complaint for the sanitary relief i have no
[01:11:58.200 --> 01:12:04.240]  illusion that i'm going to win this appeal but i'm making the banks pay big time they've
[01:12:04.240 --> 01:12:09.440]  already spent four hundred thousand dollars and not being able to get um the money out
[01:12:09.440 --> 01:12:15.100]  of me except for the first twenty six thousand which they added to the uh mortgage without
[01:12:15.100 --> 01:12:23.440]  court approval um anyway i i've just had a theory as you were talking um you know just
[01:12:23.440 --> 01:12:32.620]  recently in the last eight days i had found information about uh signatures uh where someone
[01:12:32.620 --> 01:12:37.560]  has to send a proof of service under penalty of perjury or any other document under penalty
[01:12:37.560 --> 01:12:45.160]  of perjury uh if they're not the electronic filer they have to have a signed document
[01:12:45.160 --> 01:12:52.320]  a handwritten signed document and both of my proof of services are you know typewritten
[01:12:52.320 --> 01:12:58.660]  and the name is it's the same name in the printed side it is it is the signature side
[01:12:58.660 --> 01:13:08.280]  so i sent a request for the uh you know written handwritten one to be made available for inspection
[01:13:08.280 --> 01:13:15.600]  um as per this statute i suddenly found and this is where they got the in rem against
[01:13:15.600 --> 01:13:22.480]  my property and someone else's bankruptcy and claimed they sent me notice of it when
[01:13:22.480 --> 01:13:32.320]  i never ever got it uh so i sent this request in writing and i i got uh my letter back with
[01:13:32.320 --> 01:13:38.000]  a little sticky note on it with some handwriting saying this person is not here and we have
[01:13:38.000 --> 01:13:48.300]  no access to the file they left in 2015 signed mailroom so i hammered off a email letter
[01:13:48.300 --> 01:13:54.280]  to every attorney from that firm all over the country and sent it to 15 of them saying
[01:13:54.280 --> 01:13:59.320]  i did not send the letter to mailroom i do not know who mailroom is perhaps you could
[01:13:59.320 --> 01:14:04.720]  tell me who gave mailroom the authority to respond to my letter that was addressed to
[01:14:04.720 --> 01:14:10.520]  this party and this party and you know and i'd like to know who the written you know
[01:14:10.520 --> 01:14:15.960]  who gave that written authority and i'd like to know the real name of mailroom the legal
[01:14:15.960 --> 01:14:23.840]  name and you have five days of course i have not received anything from them i'm wondering
[01:14:23.840 --> 01:14:33.520]  if that may have had something to do with it i don't know um yes i've been quite vocal
[01:14:33.520 --> 01:14:41.160]  about putting this out everywhere i can that you know and pretty much everywhere i'm not
[01:14:41.160 --> 01:14:47.280]  sure if i did it on this that i cc you know uh the la times i cc the attorney general
[01:14:47.280 --> 01:14:55.420]  i cc this um so i really don't know and i'm under no illusion that because they're saying
[01:14:55.420 --> 01:15:02.640]  it will go before the grand jury that the grand jury will do anything but it's a huge
[01:15:02.640 --> 01:15:08.280]  step forward which nobody else that i know of who've written to grand juries has got
[01:15:08.280 --> 01:15:14.380]  this far tina just michael you know i can say tina you know you know i've been doing
[01:15:14.380 --> 01:15:21.640]  this show for a long time and i have filed hundreds of criminal complaints with grand
[01:15:21.640 --> 01:15:30.700]  juries around the state of texas never once have i had a district attorney present one
[01:15:30.700 --> 01:15:39.080]  of my complaints to a grand jury i presented complaints myself but never have i had a district
[01:15:39.080 --> 01:15:44.960]  attorney pick it up you got a district attorney to pick up one up against the secretary the
[01:15:44.960 --> 01:15:52.200]  treasury the united states is this district attorney a democrat by any chance yes as a
[01:15:52.200 --> 01:16:00.480]  matter of fact she is oh well there you go isn't that well that's how i explained it
[01:16:00.480 --> 01:16:07.440]  in texas we have two high courts we have for civil we have the supreme for criminal we
[01:16:07.440 --> 01:16:13.160]  have the court of criminal appeals i got all the judges of the court of criminal appeals
[01:16:13.160 --> 01:16:21.100]  put before a grand jury over minor bs they asked me for a i filed a habeas corpus they
[01:16:21.100 --> 01:16:29.340]  asked for a motion for leave to file i told the clerk heck this is the habeas the great
[01:16:29.340 --> 01:16:36.720]  wit the writ of right this court has no power to grant or deny leave and the guy said well
[01:16:36.720 --> 01:16:41.000]  i gotta get this or i can't accept your fight like well i'm trying to get this kid out of
[01:16:41.000 --> 01:16:47.000]  jail so that wasn't my fight so i filed a motion for me to file they promptly denied
[01:16:47.000 --> 01:16:52.120]  it i promptly filed criminal charges against him with the grand jury hang on about to go
[01:16:52.120 --> 01:16:57.840]  to our sponsors randy kelton ret fountain with our special guest michael pines we'll
[01:16:57.840 --> 01:17:05.160]  be right back logos radio network welcomes a new show to our lineup for the new year
[01:17:05.160 --> 01:17:11.480]  scripture talk with nana will begin wednesday january 8th from 8 to 10 p.m central time
[01:17:11.480 --> 01:17:17.280]  our goal is in accord with matthew 516 let your light so shine before men that they may
[01:17:17.280 --> 01:17:22.580]  see your good works and glorify your father which is in heaven we wish to reflect god's
[01:17:22.580 --> 01:17:27.840]  light and be a blessing to all those with a hearing ear join nana and guests for both
[01:17:27.840 --> 01:17:33.200]  verse by verse bible studies and topical bible studies designed to provoke unto love and
[01:17:33.200 --> 01:17:38.440]  good works our verse by verse bible studies will begin in the book of matthew where we
[01:17:38.440 --> 01:17:44.120]  will discuss one chapter per week our topical bible studies will vary each week and will
[01:17:44.120 --> 01:17:49.280]  explore sound doctrine as well as christian character development so mark your calendar
[01:17:49.280 --> 01:17:55.800]  and join us live on logosradionetwork.com wednesdays from 8 to 10 p.m starting january
[01:17:55.800 --> 01:18:04.520]  8th for an inspiring and motivating discussion of the scriptures
[01:18:04.520 --> 01:18:10.440]  it's the 2019 logos radio network annual fundraiser and gun giveaway sponsored by central texas
[01:18:10.440 --> 01:18:16.880]  gun works go to logosradionetwork.com and enter to win any amount is appreciated everything
[01:18:16.880 --> 01:18:22.360]  helps to keep us on the air from central texas gun works the grand prize up for grabs is
[01:18:22.360 --> 01:18:29.800]  a spikes tactical ar-15 more prizes and sponsors to be announced every 25 donation is a chance
[01:18:29.800 --> 01:18:36.480]  to win when you purchase randy kelton's ebook legal 101 you get four chances to win purchase
[01:18:36.480 --> 01:18:41.800]  eddie craig's traffic seminar and get 10 chances to win if you've enjoyed the shows on logos
[01:18:41.800 --> 01:18:47.400]  radio network support our fundraiser so we can keep bringing you the best quality programming
[01:18:47.400 --> 01:18:53.040]  on talk radio today we also accept bitcoin and other cryptocurrencies and remember every
[01:18:53.040 --> 01:18:59.720]  25 donation is a chance to win go to logosradionetwork.com for details and donate today
[01:19:23.040 --> 01:19:31.760]  well
[01:19:31.760 --> 01:19:40.560]  ain't gonna fool me with that same old trick again i was blindsided but now i can see your
[01:19:40.560 --> 01:19:48.640]  plan you put the fear in my pockets took the money from my hand ain't gonna fool me with
[01:19:48.640 --> 01:19:58.120]  that same old trick again okay we are back brandy kelton bret fountain ruevla radio we
[01:19:58.120 --> 01:20:03.840]  didn't get bread on today he's having some technical difficulties but we have our special
[01:20:03.840 --> 01:20:09.320]  guest michael pines and of all the guests i've had on my show over the years i'm most
[01:20:09.320 --> 01:20:17.000]  excited about michael and we're talking to tina in california michael uh you wanted to
[01:20:17.000 --> 01:20:26.220]  address tina and what she's doing well i think that's amazing i'm wondering if you usually
[01:20:26.220 --> 01:20:32.460]  their weak point is if they think you can go to the press or expose them on the internet
[01:20:32.460 --> 01:20:39.560]  they usually respond to that pressure point if you can convince them that it might really
[01:20:39.560 --> 01:20:51.160]  happen but it sounds like you also have a democrat so that's yeah perfect yeah because
[01:20:51.160 --> 01:20:57.840]  they hate trump right now and they probably hate minutians um and uh he and his bank hate
[01:20:57.840 --> 01:21:02.560]  me in fact one of my former attorneys said they absolutely hate you they will do anything
[01:21:02.560 --> 01:21:11.200]  they can to destroy you um and they they have done and of course in california michael as
[01:21:11.200 --> 01:21:18.180]  you know are completely corrupt uh it it's just you know appalling they don't apply the
[01:21:18.180 --> 01:21:25.520]  law to all the facts of the case and uh you know so i'm i'm in this i'm about trying to
[01:21:25.520 --> 01:21:32.540]  to write this appeal brief uh to get my original note back which they had promised me in writing
[01:21:32.540 --> 01:21:39.520]  that they would send me but now they refuse to send it to me um and so the attorney you
[01:21:39.520 --> 01:21:45.140]  know committed promissory fraud uh you know in my books that's you know if you say something
[01:21:45.140 --> 01:21:50.360]  in writing you're going to send me something when this case is over and i rely upon that
[01:21:50.360 --> 01:21:55.280]  and then you don't do it uh that's promissory fraud okay okay hold on a second tina let
[01:21:55.280 --> 01:22:04.080]  me explain this to to michael so it understand what's going on tina asked for the original
[01:22:04.080 --> 01:22:15.640]  note in court the lawyer told the judge that he had the original note and tina asked for
[01:22:15.640 --> 01:22:23.480]  it and the way the lawyer got the judge to rule on the foreclosure is that he told the
[01:22:23.480 --> 01:22:30.880]  judge that he had the original note and so the judge trusted what the lawyer said and
[01:22:30.880 --> 01:22:40.520]  ruled in the in the bank's favor and then tina asked to see a copy of actually x i'm
[01:22:40.520 --> 01:22:49.200]  sorry asked to actually see the original note and tina did did not the lawyer promise to
[01:22:49.200 --> 01:22:56.560]  produce the original note for your inspection he promised to actually send it to me because
[01:22:56.560 --> 01:23:06.640]  under california statute 2941 once the loan has been fully satisfied um the mortgage or
[01:23:06.640 --> 01:23:13.400]  can request the original back and it must be sent within 30 days well my mortgage was
[01:23:13.400 --> 01:23:19.400]  fully satisfied because they took more than they were allowed at the foreclosure more
[01:23:19.400 --> 01:23:27.440]  than that was requested uh by the bank and they told me this is fully satisfied well
[01:23:27.440 --> 01:23:32.760]  it doesn't say in the statute it's got to be fully satisfied by from the bank account
[01:23:32.760 --> 01:23:37.560]  of the person that is paying the mortgage it just says fully satisfied so the queen
[01:23:37.560 --> 01:23:42.320]  of england could pay it off brandy you could have paid it off for me anybody and as long
[01:23:42.320 --> 01:23:47.600]  as it's fully satisfied well it was my equity that satisfied it i'd already put in a tender
[01:23:47.600 --> 01:23:52.560]  of offer based on the full price they put on the notice of trustee sale but then three
[01:23:52.560 --> 01:23:59.400]  months later they added 142 000 to that price and they refused that full price offer and
[01:23:59.400 --> 01:24:07.080]  literally refused it and so i satisfied it so i'm entitled to tina has tina has been
[01:24:07.080 --> 01:24:14.800]  after them focused on this one point they've tried to distract her and raise different
[01:24:14.800 --> 01:24:22.960]  issues but she's been really careful to stay on this one legal point from your knowledge
[01:24:22.960 --> 01:24:32.600]  of california law michael is there a way to get around this requirement there is no way
[01:24:32.600 --> 01:24:38.360]  to get around it they have to provide the original the note with the wet signature just
[01:24:38.360 --> 01:24:46.880]  as tina said the statute is clear and she has addressed and and by the way the note
[01:24:46.880 --> 01:24:56.120]  doesn't exist the note was destroyed okay she knows that yeah they said it has never
[01:24:56.120 --> 01:25:01.920]  been securitized they said we have the original it took us a month or two to find it but we
[01:25:01.920 --> 01:25:09.640]  have it we found it it was never securitized and so my feeling is they either lied about
[01:25:09.640 --> 01:25:14.920]  that or there's something on the back of that note that they don't want me to see and they
[01:25:14.920 --> 01:25:21.120]  have convinced the lower court judge that because i am in foreclosure that the second
[01:25:21.120 --> 01:25:27.800]  part of that statute says that i'm not the beneficiary and i'm not the trustee so i'm
[01:25:27.800 --> 01:25:33.120]  not allowed to see it well it doesn't in the first part it says the mortgage or it's indisputable
[01:25:33.120 --> 01:25:39.520]  that i was paying the mortgage i didn't claim to be the trustee um what they're gonna do
[01:25:39.520 --> 01:25:44.660]  what they're gonna do is create a new one and forge your signature on it they have your
[01:25:44.660 --> 01:25:53.560]  signature any of a number of ways on the mortgage on pleadings you filed with the court and
[01:25:53.560 --> 01:26:00.040]  they're just going to create a new note it's completely phony forge your signature on it
[01:26:00.040 --> 01:26:04.820]  and give it to you that's what they're going to do what they haven't they've absolutely
[01:26:04.820 --> 01:26:11.360]  refused used they've refused i'm in appeal court now i'm waiting i've got to file my
[01:26:11.360 --> 01:26:21.040]  appellate brief by um the second of november well randy's going to give you my email off
[01:26:21.040 --> 01:26:29.960]  of the air and i would be happy to help you that would be really great because i really
[01:26:29.960 --> 01:26:33.200]  want to skewer them and they're never going to get any money out of me because i don't
[01:26:33.200 --> 01:26:38.740]  have any i'm on social security so um i can play this as long as i want and i'm not afraid
[01:26:38.740 --> 01:26:43.400]  of the judges anymore randy taught me that i used to be terrified to get in front of
[01:26:43.400 --> 01:26:49.360]  them i used to shake in my shoes and this last one i'm telling her i told her that the
[01:26:49.360 --> 01:26:56.000]  basically the attorney was lying stuck of you know what um because he lied and submitted
[01:26:56.000 --> 01:27:00.980]  forged documents into the court and he got all huffy and puffy and i'm i'm just offended
[01:27:00.980 --> 01:27:08.680]  i'm deeply offended by this accusation i said well if the shoe fits wear it um he didn't
[01:27:08.680 --> 01:27:16.960]  like that either uh i'm not afraid i think we created a monster you did and that's a
[01:27:16.960 --> 01:27:23.960]  good thing it's all your fault and now i've actually filed to reopen that bankruptcy for
[01:27:23.960 --> 01:27:30.320]  fraud upon the court and i wish i'd actually waited a few days because i could have said
[01:27:30.320 --> 01:27:36.560]  one of the reasons is i've now got this going to the grand jury um in texas you know so
[01:27:36.560 --> 01:27:42.200]  but i'm gonna wait to see if they let me reopen my bankruptcy they have to let you reopen
[01:27:42.200 --> 01:27:50.680]  it bankruptcies can be reopened at any time it's done automatically you just file a form
[01:27:50.680 --> 01:27:57.080]  there's no hearing which are filed there's no right for the other side to appear and
[01:27:57.080 --> 01:28:04.240]  the judge will just stamp it well let's see what happens because they just got it yesterday
[01:28:04.240 --> 01:28:13.480]  they got my application to reopen it and so uh i've got a lot of stuff that i found ever
[01:28:13.480 --> 01:28:19.200]  since then including the fact and one of the biggest things i want to bring up is these
[01:28:19.200 --> 01:28:25.240]  signatures and this in rem that they got fraudulently because they never even turned up to their
[01:28:25.240 --> 01:28:32.240]  own hearing for it because they knew that i had never been notified and plus when they
[01:28:32.240 --> 01:28:39.800]  filed the proof of claim in the first bankruptcy i opened they filed for five hundred and seven
[01:28:39.800 --> 01:28:44.920]  thousand dollars seven hundred and forty three cents and seven hundred and forty dollars
[01:28:44.920 --> 01:28:49.280]  forty three cents which was a hundred and forty two thousand more than what they put
[01:28:49.280 --> 01:28:57.000]  as the total amount due in owing on the um the uh trustee you know the the notice of
[01:28:57.000 --> 01:29:04.560]  trustee sale only three months earlier now 14 months later when they actually foreclosed
[01:29:04.560 --> 01:29:10.280]  the opening bid was five hundred and sixteen thousand on a mortgage that's supposed to
[01:29:10.280 --> 01:29:17.000]  be paying two thousand a month how does that happen it's only nine thousand difference
[01:29:17.000 --> 01:29:26.820]  in 14 months so you're still in your home no i lost it in 2015 oh i've just been fighting
[01:29:26.820 --> 01:29:37.680]  as soon as to get justice uh-huh well that's too bad my income everything yeah that's okay
[01:29:37.680 --> 01:29:44.280]  i can still fight okay hang on tina we're about to go to our sponsors randall kelton
[01:29:44.280 --> 01:29:52.200]  bret fountain rule of law radio with our special guest michael hein michael pines that keeps
[01:29:52.200 --> 01:30:07.360]  slipping out hang on we'll be right back reality tv sugar obesity jet lag the list of things
[01:30:07.360 --> 01:30:12.280]  that makes us dumber just keeps on growing but now researchers say we can add stress
[01:30:12.280 --> 01:30:17.900]  to the list i'm dr catherine albrecht back with details in a moment privacy is under
[01:30:17.900 --> 01:30:22.920]  attack when you give up data about yourself you'll never get it back again and once your
[01:30:22.920 --> 01:30:28.920]  privacy is gone you'll find your freedoms will start to vanish too so protect your rights
[01:30:28.920 --> 01:30:34.640]  say no to surveillance and keep your information to yourself privacy it's worth hanging on
[01:30:34.640 --> 01:30:40.960]  to this message is brought to you by startpage.com the private search engine alternative to google
[01:30:40.960 --> 01:30:48.240]  yahoo and bing start over with startpage are you always on the go and juggling multiple
[01:30:48.240 --> 01:30:54.120]  projects if so you might think that multitasking proves you're smart but think again all that
[01:30:54.120 --> 01:30:59.660]  stress might be eating your brain a new study finds stress reduces the number of connections
[01:30:59.660 --> 01:31:04.960]  between neurons which actually makes it harder for people to manage problems researchers
[01:31:04.960 --> 01:31:09.800]  at yale university found that stressed out people have less gray matter in their prefrontal
[01:31:09.800 --> 01:31:14.960]  cortex that's the part of the brain that helps us weigh conflicting ideas and regulate our
[01:31:14.960 --> 01:31:20.920]  emotions so take a deep breath and chill out it'll help keep your mind as sharp as a tack
[01:31:20.920 --> 01:31:31.640]  i'm dr catherine albrecht for startpage.com the world's most private search engine
[01:31:31.640 --> 01:31:37.000]  this is building seven a 47-story skyscraper that fell on the afternoon of september 11th
[01:31:37.000 --> 01:31:42.400]  the government says that fire brought it down however 1,500 architects and engineers concluded
[01:31:42.400 --> 01:31:46.320]  it was a controlled demolition over 6,000 of my fellow service members have given their
[01:31:46.320 --> 01:31:51.000]  lives but thousands of my fellow first responders are dying i'm not a conspiracy theorist i'm
[01:31:51.000 --> 01:31:54.360]  a structural engineer i'm a new york city correction officer i'm an air force pilot
[01:31:54.360 --> 01:31:59.800]  i'm a father who lost his son we're americans and we deserve the truth go to remember building
[01:31:59.800 --> 01:32:06.320]  seven dot org today rule of law radio is proud to offer the rule of law traffic seminar in
[01:32:06.320 --> 01:32:09.880]  today's america we live in an us against them society and if we the people are ever going
[01:32:09.880 --> 01:32:14.020]  to have a free society then we're going to have to stand and defend our own rights among
[01:32:14.020 --> 01:32:17.240]  those rights are the right to travel freely from place to place the right to act in our
[01:32:17.240 --> 01:32:21.360]  own private capacity and most importantly the right to due process of law traffic courts
[01:32:21.360 --> 01:32:25.400]  afford us the least expensive opportunity to learn how to enforce and preserve our rights
[01:32:25.400 --> 01:32:29.160]  through due process former sheriff's deputy eddie craig in conjunction with rule of law
[01:32:29.160 --> 01:32:32.640]  radio has put together the most comprehensive teaching tool available that will help you
[01:32:32.640 --> 01:32:36.520]  understand what due process is and how to hold the courts to the rule of law you can
[01:32:36.520 --> 01:32:40.720]  get your own copy of this invaluable material by going to rule of law radio.com and ordering
[01:32:40.720 --> 01:32:44.680]  your copy today by ordering now you'll receive a copy of eddie's book the texas transportation
[01:32:44.680 --> 01:32:49.500]  code the law versus the lie video and audio of the original 2009 seminar hundreds of research
[01:32:49.500 --> 01:32:53.040]  documents and other useful resource material learn how to fight for your rights with the
[01:32:53.040 --> 01:32:57.480]  help of this material from rule of law radio.com order your copy today and together we can
[01:32:57.480 --> 01:33:05.800]  have free society we all want and deserve you are listening to the logos radio network
[01:33:05.800 --> 01:33:28.600]  logosradionetwork.com yeah who you want to chip who you take me for free tully you can't
[01:33:28.600 --> 01:33:36.120]  hide me from nobody chipping on your mom chipping on your daddy chipping on your grandpa and
[01:33:36.120 --> 01:33:41.920]  the grand me chipping on me chipping on your baby chipping on your family whole family
[01:33:41.920 --> 01:33:46.160]  chipping on your dad and the cat around me chipping on the beef and you still go eat
[01:33:46.160 --> 01:33:51.000]  it chipping on the fish them all in the sea chipping on the shark and the real around
[01:33:51.000 --> 01:33:55.400]  me you know still mankind can't chip crazy they're the kind of thing man they want to
[01:33:55.400 --> 01:34:01.080]  read social security they better tell me number with them give me them repeat up you see i'm
[01:34:01.080 --> 01:34:06.840]  chippy in the morning chippy in the evening chippy while at dinner time experiment and
[01:34:06.840 --> 01:34:13.280]  mankind but man you know say them lie well when i wanna chip man you have your body freedom
[01:34:13.280 --> 01:34:19.440]  or something man you fight for it you should tell them that we read the constitution set
[01:34:19.440 --> 01:34:24.640]  us free don't let them put no chip in your body put no chip in your dog or cat you see
[01:34:24.640 --> 01:34:29.200]  don't put no chippy in your cow and go eat it don't put no chip in the fish and go eat
[01:34:29.200 --> 01:34:34.920]  it all in the real and the shark in the sea put the little chip in the little baby want
[01:34:34.920 --> 01:34:38.960]  to put the chip in a grandpa you see want to put the little chip in a high man body
[01:34:38.960 --> 01:34:44.760]  it may go high in the atlantic sea man didn't have to lie to me she gonna find me satellite
[01:34:44.760 --> 01:34:49.720]  get mad satellite get angry to chip them use me say crash up you see me say chip in the
[01:34:49.720 --> 01:34:55.080]  morning chip in the evening chip in the you got the body but not let them come come trip
[01:34:55.080 --> 01:35:01.320]  we put no trip in the little baby we say trip in the morning chip in the evening they want
[01:35:01.320 --> 01:35:06.720]  to come and not chip me but they want to chip all in the sea and the shark and the wheel
[01:35:06.720 --> 01:35:13.320]  around me let me say chip for your mom chip for your daddy chip for the little baby chip
[01:35:13.320 --> 01:35:23.480]  for the shark okay we are back Randy Kelkin, Rule of Law Radio, Randy Kelkin, Brett Fountain
[01:35:23.480 --> 01:35:29.080]  and Debra Stevens she's somewhere back there in the background and we are we have our special
[01:35:29.080 --> 01:35:38.640]  guest Michael Pines and we're talking to Tina in California Michael can you give us you
[01:35:38.640 --> 01:35:48.000]  know we're talking about Tina and her bankruptcy can you give our listeners a general overview
[01:35:48.000 --> 01:35:57.360]  of how to think about bankruptcy in terms of using bankruptcy to help you in a mortgage
[01:35:57.360 --> 01:36:01.960]  situation?
[01:36:01.960 --> 01:36:08.040]  Well you can file bankruptcy by filling out a few simple forms online if you don't have
[01:36:08.040 --> 01:36:14.120]  any money they'll even waive the filing fee or as we talked about before you can go down
[01:36:14.120 --> 01:36:20.700]  to the bankruptcy court and the clerks are very helpful and that will help you file it.
[01:36:20.700 --> 01:36:26.680]  The very minute you file it nobody can collect any debts from you you have what's called
[01:36:26.680 --> 01:36:34.320]  an automatic stay which prohibits anybody from doing anything to collect any kind of
[01:36:34.320 --> 01:36:42.760]  debt you have including stopping any foreclosure or eviction and the banks and the courts take
[01:36:42.760 --> 01:36:47.680]  a violation of that very seriously.
[01:36:47.680 --> 01:36:54.600]  Just recently somebody filed bankruptcy and Bank of America tried to collect their student
[01:36:54.600 --> 01:37:03.000]  loan anyway and Bank of America was fined 45 million dollars.
[01:37:03.000 --> 01:37:07.480]  So if there's one thing the judges take seriously it's this automatic stay.
[01:37:07.480 --> 01:37:14.520]  Yes I had a fellow here where I'm at I'm in a small town northwest of Fort Worth and he
[01:37:14.520 --> 01:37:20.080]  owned he ran the little restaurant in their convenience store across from me and I went
[01:37:20.080 --> 01:37:25.320]  in one day and he knew I did stuff about law and he said is there anything you can do for
[01:37:25.320 --> 01:37:31.760]  me there he bought this property he paid for it but he bought it on contract and guy he
[01:37:31.760 --> 01:37:35.360]  bought it from didn't pay the bank.
[01:37:35.360 --> 01:37:40.600]  He paid his part but this guy didn't forward it to the bank and the bank was foreclosed
[01:37:40.600 --> 01:37:43.320]  and they're going to come and evict me tomorrow.
[01:37:43.320 --> 01:37:48.480]  I said okay first thing in the morning run down to the bankruptcy court and file bankruptcy.
[01:37:48.480 --> 01:37:50.360]  He did.
[01:37:50.360 --> 01:37:55.960]  A constable came out to evict him and he has some dogs and he told him if he didn't get
[01:37:55.960 --> 01:37:59.440]  those dogs tied up he's going to shoot them.
[01:37:59.440 --> 01:38:06.160]  Well I had him call the sheriff and have the sheriff call the bankruptcy court and they
[01:38:06.160 --> 01:38:12.200]  did and the sheriff called the constable and the constable backed away.
[01:38:12.200 --> 01:38:19.240]  Three or four days later they had a phone hearing with the bankruptcy court and the
[01:38:19.240 --> 01:38:28.880]  bankruptcy court judge said who was that that threatened to shoot this man's dog in violation
[01:38:28.880 --> 01:38:32.600]  of my automatic stay.
[01:38:32.600 --> 01:38:40.800]  He said it got real quiet on the phone and judges when you defy their orders or defy
[01:38:40.800 --> 01:38:46.640]  their authority they do not take that well.
[01:38:46.640 --> 01:38:48.720]  Okay I'll shut up now.
[01:38:48.720 --> 01:38:53.760]  Okay bankruptcy how do we use it?
[01:38:53.760 --> 01:39:02.080]  Well as I said you file it and it stops everything immediately and then there's all kinds of
[01:39:02.080 --> 01:39:08.720]  things you can do but one of the best things to do if they file a motion for relief from
[01:39:08.720 --> 01:39:15.400]  stay you have to file opposition to that motion.
[01:39:15.400 --> 01:39:22.760]  There are thousands of examples of oppositions to relief from stay online.
[01:39:22.760 --> 01:39:30.160]  You can literally copy and paste it into a new document and put in the details just change
[01:39:30.160 --> 01:39:37.640]  the details and file opposition.
[01:39:37.640 --> 01:39:43.800]  Let me say something to people who are pro se's who haven't been involved in the legal
[01:39:43.800 --> 01:39:45.920]  system.
[01:39:45.920 --> 01:39:53.920]  If you're not sure how to file this opposition go online and look for an opposition somebody's
[01:39:53.920 --> 01:40:02.160]  filed and look at it and see if you can adjust it to fit some of your details and file it.
[01:40:02.160 --> 01:40:10.200]  Don't be so anal about making sure that every detail is exactly right.
[01:40:10.200 --> 01:40:18.400]  The most important thing meet the deadline file something.
[01:40:18.400 --> 01:40:25.520]  The first foreclosure opposition I filed was for a fellow broadcaster he was called me
[01:40:25.520 --> 01:40:30.920]  he had two days before an eviction hearing he said I need a lawsuit I said I'm just doing
[01:40:30.920 --> 01:40:36.320]  my research I'm not ready yet he said I don't have time for research I'm about to get evicted.
[01:40:36.320 --> 01:40:40.640]  So I went on the internet and pulled it out a bunch of garbage stuck it together gave
[01:40:40.640 --> 01:40:46.920]  it to him he filed it in the district court went to the eviction hearing told the judge
[01:40:46.920 --> 01:40:52.000]  he had filed a claim against the title in the district court and the eviction judge
[01:40:52.000 --> 01:40:57.280]  said well what are you doing in my court I don't have any jurisdiction get out of here.
[01:40:57.280 --> 01:41:03.040]  The judge in the district court who got the suit well the lawyer on the other side said
[01:41:03.040 --> 01:41:10.680]  your honor filed a motion said you're essentially your honor this suits us a bunch of crap and
[01:41:10.680 --> 01:41:17.200]  three months later the judge said yeah you're right this is a bunch of crap fix it.
[01:41:17.200 --> 01:41:23.280]  We redid it they said that one was a bunch of crap and the judge said fix it.
[01:41:23.280 --> 01:41:32.760]  The third time it stuck point is do not try to make your document perfect.
[01:41:32.760 --> 01:41:34.760]  You'll never get it perfect.
[01:41:34.760 --> 01:41:41.580]  Well first of all the motion for relief from stay that the bank files will have a bunch
[01:41:41.580 --> 01:41:51.420]  of lies in it and it's very easy to prove those lies all you have to do for example
[01:41:51.420 --> 01:42:02.580]  is take the name of the party that filed the motion and put it together on a Google search
[01:42:02.580 --> 01:42:16.200]  with the words lawsuit or illegal and you will get many many hits that will show you
[01:42:16.200 --> 01:42:25.360]  that this party has engaged in illegal acts and that can be part of the ammunition that
[01:42:25.360 --> 01:42:31.480]  you put in your opposition to relief from stay.
[01:42:31.480 --> 01:42:37.040]  And you're right Randy you want to get something on file and like Randy says if the first time
[01:42:37.040 --> 01:42:43.760]  you file something it's not right the court will usually give you permission to file something
[01:42:43.760 --> 01:42:53.680]  else and they'll usually let you do that for I don't know at least two or three times.
[01:42:53.680 --> 01:42:59.760]  Mean thing do not miss a deadline.
[01:42:59.760 --> 01:43:04.120]  Or you can always ask for an extension of a deadline.
[01:43:04.120 --> 01:43:08.280]  If you have a motion for relief from stay filed on you and you have opposition due by
[01:43:08.280 --> 01:43:13.080]  a certain date you can always ask for more time.
[01:43:13.080 --> 01:43:19.660]  You can always ask for an extension and the judge will almost always give it to you.
[01:43:19.660 --> 01:43:22.960]  But it has to be within reason.
[01:43:22.960 --> 01:43:31.640]  Judge will give you ten days or a few weeks if you ask for that and if you keep asking
[01:43:31.640 --> 01:43:37.120]  for extensions eventually the judge will run out of patience but the judge will usually
[01:43:37.120 --> 01:43:39.640]  give you time.
[01:43:39.640 --> 01:43:43.480]  Okay hang on we're about to go to our sponsors.
[01:43:43.480 --> 01:43:50.520]  Randy Kelton, Brett Fountain, Rooda Royal Radio a call in number 512-646-1984 if you
[01:43:50.520 --> 01:43:55.400]  have a question or comment give us a call go look and see which oh we're going to our
[01:43:55.400 --> 01:44:00.440]  last segment so I don't need to give out the call enough hang on.
[01:44:00.440 --> 01:44:05.560]  Are you being harassed by debt collectors with phone calls letters or even lawsuits?
[01:44:05.560 --> 01:44:09.240]  Stop debt collectors now with the Michael Miras proven method.
[01:44:09.240 --> 01:44:13.560]  Michael Miras has won six cases in federal court against debt collectors and now you
[01:44:13.560 --> 01:44:14.560]  can win too.
[01:44:14.560 --> 01:44:19.360]  You'll get step-by-step instructions in plain English on how to win in court using federal
[01:44:19.360 --> 01:44:25.240]  civil rights statutes what to do when contacted by phone mail or court summons how to answer
[01:44:25.240 --> 01:44:29.760]  letters and phone calls how to get debt collectors out of your credit report how to turn the
[01:44:29.760 --> 01:44:33.980]  financial tables on them and make them pay you to go away.
[01:44:33.980 --> 01:44:39.820]  The Michael Miras proven method is the solution for how to stop debt collectors personal consultation
[01:44:39.820 --> 01:44:44.880]  is available as well for more information please visit RuleOfLawRadio.com and click
[01:44:44.880 --> 01:44:51.920]  on the blue Michael Miras banner or email Michael Miras at Yahoo.com that's RuleOfLawRadio.com
[01:44:51.920 --> 01:45:01.400]  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.
[01:45:01.400 --> 01:45:04.600]  Are you the plaintiff or defendant in a lawsuit?
[01:45:04.600 --> 01:45:10.680]  Win your case without an attorney with Jurisdictionary the affordable easy to understand four CD
[01:45:10.680 --> 01:45:17.560]  course that will show you how in 24 hours step-by-step if you have a lawyer know what
[01:45:17.560 --> 01:45:23.400]  your lawyer should be doing if you don't have a lawyer know what you should do for yourself
[01:45:23.400 --> 01:45:29.800]  thousands have won with our step-by-step course and now you can too Jurisdictionary was created
[01:45:29.800 --> 01:45:35.760]  by a licensed attorney with 22 years of case winning experience even if you're not in a
[01:45:35.760 --> 01:45:41.320]  lawsuit you can learn what everyone should understand about the principles and practices
[01:45:41.320 --> 01:45:48.480]  that control our American courts you'll receive audio classroom video seminar tutorials forms
[01:45:48.480 --> 01:45:55.760]  for civil cases pro se tactics and much more please visit RuleOfLawRadio.com and click
[01:45:55.760 --> 01:46:07.320]  on the banner or call toll-free 866-LAW-EASY.
[01:46:07.320 --> 01:46:32.760]  Some things in this world I will never understand, some things I realize fully, somebody's on
[01:46:32.760 --> 01:46:42.880]  a police, a policeman, somebody's on a police, a bully, there's always a room at the top
[01:46:42.880 --> 01:46:50.120]  of the hill, I hear through the grave mind and his lonely love still, they're wishing
[01:46:50.120 --> 01:46:57.080]  it was more than opposition to fill, they know that if they don't do it somebody will
[01:46:57.080 --> 01:47:09.200]  do it, somebody's on a police, a policeman, somebody's on a police, a bully, there's always
[01:47:09.200 --> 01:47:17.320]  a room at the top of the hill, I hear through the grave mind and his lonely love still,
[01:47:17.320 --> 01:47:24.320]  they know that if they don't do it somebody will do it, somebody's on a police, a policeman,
[01:47:24.320 --> 01:47:30.880]  somebody's on a police, there's always a room at the top of the hill, somebody's
[01:47:30.880 --> 01:47:37.720]  on a police, somebody's on a police, somebody's on a police, a bully, there's always a room
[01:47:37.720 --> 01:47:45.300]  at the top of the hill, somebody's on a police, there's always a room at the top of the hill,
[01:47:45.300 --> 01:47:51.640]  somebody's on a police, a bully, somebody's on a police, somebody's on a police, there's
[01:47:51.640 --> 01:47:57.640]  and the judge will give you several chances if the first time you file it, it isn't very good.
[01:47:57.640 --> 01:48:00.640]  And then if you lose, you appeal.
[01:48:00.640 --> 01:48:07.640]  And it's very easy to appeal. It's a one-page form, and you file an appeal.
[01:48:07.640 --> 01:48:19.640]  And, you know, I mentioned that the one that I just put all this junk together for a fellow broadcaster,
[01:48:19.640 --> 01:48:23.640]  they denied it twice, and the third time it stuck.
[01:48:23.640 --> 01:48:29.640]  Seven years later, he was still in the house.
[01:48:29.640 --> 01:48:38.640]  So if you feel like you're right on the edge of the cliff, don't give up.
[01:48:38.640 --> 01:48:42.640]  File something. Get something started.
[01:48:42.640 --> 01:48:51.640]  You can keep it going. Call in. Talk to him. I have been looking for 13 years for someone like Michael Barnes.
[01:48:51.640 --> 01:48:58.640]  My purpose has never been to make a lot of money, and from talking to Michael, I don't think he's his either.
[01:48:58.640 --> 01:49:00.640]  It's about helping people.
[01:49:00.640 --> 01:49:11.640]  So whatever your condition is, the one thing about law is there's always something you can do.
[01:49:11.640 --> 01:49:15.640]  Don't quit. Don't give up.
[01:49:15.640 --> 01:49:26.640]  OK, Michael, you're in foreclosure. You're about to get thrown out of your house.
[01:49:26.640 --> 01:49:34.640]  You file bankruptcy. What is your purpose and your strategy in filing the bankruptcy?
[01:49:34.640 --> 01:49:41.640]  Well, after you stop the foreclosure by successfully opposing the relief from stay.
[01:49:41.640 --> 01:49:50.640]  You sue the bank in the bankruptcy proceeding in what's called an adversary proceeding.
[01:49:50.640 --> 01:49:55.640]  And this is identical to filing a federal court lawsuit.
[01:49:55.640 --> 01:50:09.640]  One question. Once you've paid the bankruptcy filing fee, then when you file the adversarial proceeding, do you have to file another fee?
[01:50:09.640 --> 01:50:17.640]  Yes, there is a separate fee for doing that. But again, if you have no money, you can get that fee waived.
[01:50:17.640 --> 01:50:27.640]  You file a very simple form called an application for filing fee waiver and you explain you don't have the cash.
[01:50:27.640 --> 01:50:32.640]  They want to know how much money you have in the bank and things like that.
[01:50:32.640 --> 01:50:38.640]  And if you have a little money in the bank, they'll usually give you a payment plan.
[01:50:38.640 --> 01:50:46.640]  So, yes, there is a separate fee, but the courts will work with you.
[01:50:46.640 --> 01:50:55.640]  And let me stress, you know, most of the people that call into my show have dealt with the courts either on minor criminal issues or traffic.
[01:50:55.640 --> 01:51:00.640]  And the courts at that level are horrendous.
[01:51:00.640 --> 01:51:09.640]  As you move up, you get into these higher courts, especially when you get into the federal courts, they are more dignified.
[01:51:09.640 --> 01:51:20.640]  And they're very conscious about protecting your rights. You will be surprised at how much more accommodating they are.
[01:51:20.640 --> 01:51:25.640]  So do not be afraid of the federal courts.
[01:51:25.640 --> 01:51:39.640]  You can talk to them. You can deal with them. They're not going to just rule against you out of your hand.
[01:51:39.640 --> 01:51:47.640]  Michael, how would you advise someone who knows nothing about the system?
[01:51:47.640 --> 01:52:03.640]  And, you know, we're going to have thousands and thousands and probably millions of people who find the sky falling in on them all of a sudden because of this coronavirus issue and the disruptions in the economy.
[01:52:03.640 --> 01:52:14.640]  How do you talk to them so that they're not so terribly terrified of the system and are willing to stand up and try to protect themselves?
[01:52:14.640 --> 01:52:26.640]  Well, knowledge is power. And there is all the information you could ever need right on the Internet.
[01:52:26.640 --> 01:52:34.640]  So you can log on to the Internet and learn as much as you can.
[01:52:34.640 --> 01:52:46.640]  And most people I'm finding that have a problem with their debt, especially if they're looking at losing their house, they're very motivated to learn.
[01:52:46.640 --> 01:53:02.640]  And I've run into many, many people who are not lawyers who know 100 times more than lawyers do because they're very motivated to learn and they usually have the time.
[01:53:02.640 --> 01:53:15.640]  And you can go on the Internet and learn as much as you need to know. And it's all right there.
[01:53:15.640 --> 01:53:37.640]  People who listen to my show know that I do a lot of legal research and I have a confession. I don't use Google Scholar. I don't use any of these dedicated legal research sites.
[01:53:37.640 --> 01:53:58.640]  My best results come from Google. I just go to Google. Once you have started using Google, it will teach you how to frame your questions so that you get responsive answers.
[01:53:58.640 --> 01:54:10.640]  That's the best skill you can develop is how to ask the right question. Everything's on Google. You have lawyers all over the country.
[01:54:10.640 --> 01:54:20.640]  A lawyer can't come to you and say, hey, you just got in this accident. Here's my card. If you call me, I can help you sue these guys.
[01:54:20.640 --> 01:54:29.640]  That's baratory. In Texas, it's a felony. But in every state, it's either illegal or frowned upon.
[01:54:29.640 --> 01:54:38.640]  So lawyers have to find a way to find clients. And so they put up these websites and they offer free information.
[01:54:38.640 --> 01:54:52.640]  Once you get a feel for that and a kind of a feel for how to ask the right questions, you don't have to know how to ask the right questions about everything in law, just your issue.
[01:54:52.640 --> 01:55:09.640]  You go on the Internet and do a search for your particular issue and you'll find law firms who have addressed this issue in court and they post their experience on their website.
[01:55:09.640 --> 01:55:23.640]  It's as much for other lawyers as it is for you because you tell me if I'm right about this, Michael, about half of a lawyer's business comes from referrals from other lawyers.
[01:55:23.640 --> 01:55:24.640]  That's right.
[01:55:24.640 --> 01:55:35.640]  Yeah. Lawyers don't want to address things they don't know anything about. So if they can find a lawyer that knows a lot about their topic, they'll bring him into the case and bring him a referral fee.
[01:55:35.640 --> 01:55:49.640]  So these lawyers put up these briefs and pleadings on specific issues. So go search the Internet and look at what these lawyers are saying. They'll give you their best work.
[01:55:49.640 --> 01:56:15.640]  Not only that, but almost all lawyers will give you an initial consultation for free. So you can call a lawyer and they will spend probably at least an hour, some of them limited to a half an hour, discussing your legal issue at no cost and people should take advantage of that.
[01:56:15.640 --> 01:56:28.640]  Not only that, but like I said before, all you have to do is put the names in of somebody that's trying to collect an illegal debt or foreclose on you.
[01:56:28.640 --> 01:56:46.640]  So you put the name in and then you add illegal or lawsuits or something like that and there will be enormous volumes of information about what these parties did that was illegal.
[01:56:46.640 --> 01:56:50.640]  So it's very easy and very quick.
[01:56:50.640 --> 01:57:02.640]  I think the greatest value this show can give to people is that this is not as hard as it seems.
[01:57:02.640 --> 01:57:22.640]  If you've never been in an airplane and I put you in the cockpit seat and you look at all those gauges and dials and switches, it just is absolutely a fog to you. How do you find some focus?
[01:57:22.640 --> 01:57:45.640]  Google the internet. Learn how to ask pointed questions. Look at the responses. You don't need to know everything there is to know about law. Law is just way too complex. But 99% of the people have one minor issue.
[01:57:45.640 --> 01:58:01.640]  That's not so hard to research out. So don't think that this is so horribly complex that you can't find a path through your legal issue.
[01:58:01.640 --> 01:58:14.640]  Go to the internet. Ask intelligent questions. Read the answers. It won't take you as long as you think to find some remedy.
[01:58:14.640 --> 01:58:26.640]  And I'm going to stop preaching now. We are out of time. Thank you all for listening. We will be back tomorrow night on our four hour info marathon and I will have Michael on again.
[01:58:26.640 --> 01:58:33.640]  And I hope we have a great show. Thank you all for listening.
[01:58:33.640 --> 01:58:49.640]  And good night.
[01:59:03.640 --> 01:59:21.640]  Thank you.
[01:59:21.640 --> 01:59:50.640]  Thank you.
[01:59:50.640 --> 01:59:59.640]  You're listening to the Logos Radio Network at logosradionetwork.com