[00:00.000 --> 00:06.740]  The following news flash is brought to you by the Lone Star Lowdown.
[00:06.740 --> 00:13.040]  Markets for Monday the 22nd of July 2019 open with precious metals, gold at $1,429 an ounce,
[00:13.040 --> 00:21.320]  silver $16.45 an ounce, copper $2.75 an ounce, oil, Texas crude $55.63 a barrel, Brent crude
[00:21.320 --> 00:29.840]  $62.47 a barrel, and cryptos in order of market cap, Bitcoin Core $10,566.52, Ethereum $2,325
[00:29.840 --> 00:41.360]  $327.26, XRP Ripple $0.33, Litecoin $0.031, and Bitcoin Cash is at $324.10 a crypto coin.
[00:41.360 --> 00:52.400]  Today in history the year 1916 the preparedness day bombing a time suitcase bomb was detonated on
[00:52.400 --> 00:58.200]  Market Street in San Francisco during the World War I preparedness day parade killing 10 and
[00:58.200 --> 01:07.360]  entering 40 today in history and recent news since the governor Greg Abbott signed House Bill
[01:07.360 --> 01:13.040]  1325 legalizing Hemp into taxes law back in June. County prosecutors around the state including
[01:13.040 --> 01:17.760]  Houston, Austin and San Antonio have been dropping marijuana possession charges and even refusing
[01:17.760 --> 01:22.240]  to file new ones since they are stipulating that they do not have the time or the laboratory
[01:22.240 --> 01:27.120]  equipment to test the herb for THC. Margaret Moore the Travis County District Attorney
[01:27.120 --> 01:31.160]  announced earlier this month that she was dismissing 32 felony possession and delivery
[01:31.160 --> 01:35.840]  of marijuana cases because of the law. Mr. Abbott and other state officials including
[01:35.840 --> 01:39.840]  the Attorney General stipulated in a letter to county district attorneys back on Thursday
[01:39.840 --> 01:44.440]  that marijuana has not been decriminalized in Texas and that these actions demonstrate
[01:44.440 --> 01:50.360]  a misunderstanding of how HB 1325 works as well as other cities too like the district
[01:50.360 --> 01:56.560]  attorney in El Paso, Kyma Esparza a Democrat who also stated earlier this month that the
[01:56.560 --> 02:02.440]  law quote will not have an effect on the prosecution of marijuana cases in El Paso. However the
[02:02.440 --> 02:07.120]  issue was succinctly summarized by Mr. Brandon Ball an assistant public defender in Harris
[02:07.120 --> 02:11.920]  County who stated that quote the law is constantly changing on what makes something illegal based
[02:11.920 --> 02:16.440]  on its chemical makeup. It's important that if someone is charged with something the test
[02:16.440 --> 02:25.120]  matches what they're charged with. A paper by Tulane University identified a five and
[02:25.120 --> 02:30.600]  a half inch American pocket shark as the first of its kind in the Gulf of Mexico. The specimen
[02:30.600 --> 02:36.040]  being only the second pocket shark ever captured or recorded with the other one being found
[02:36.040 --> 02:41.080]  way back in 1979 in the East Pacific Ocean. According to the university paper the shark
[02:41.080 --> 02:47.480]  secretes a luminous fluid from a gland near its front fins for the purposes hypothesized
[02:47.480 --> 03:04.920]  to lure and prey may be drawn into the glow. This is Ruff Rody with a lowdown for July 22,
[03:04.920 --> 03:17.880]  renamed 22 days ago in Chicago.
[03:17.880 --> 03:21.880]  Tell me, what is she gonna do?
[03:21.880 --> 03:23.880]  What is she gonna do?
[03:23.880 --> 03:28.880]  Yeah, bad boys, bad boys
[03:28.880 --> 03:29.880]  What's she gonna do?
[03:29.880 --> 03:32.880]  What's she gonna do when they come for you?
[03:32.880 --> 03:33.880]  Bad boys, bad boys
[03:33.880 --> 03:34.880]  What's she gonna do?
[03:34.880 --> 03:37.880]  What's she gonna do when they come for you?
[03:37.880 --> 03:40.880]  When you were eight and your had bad dreams
[03:40.880 --> 03:43.880]  You go to school and learn to go and then lose
[03:43.880 --> 03:46.880]  So why are you acting like a fluffy fool?
[03:46.880 --> 03:48.880]  I gotta get out and in your dreams
[03:48.880 --> 03:49.960]  Bad boys, bad boys
[03:49.960 --> 03:51.460]  What's she gonna do?
[03:51.460 --> 03:53.880]  What's she gonna do when they come for you?
[03:53.880 --> 03:55.880]  Bad boys, bad boys
[03:55.880 --> 03:56.880]  What's she gonna do?
[03:56.880 --> 03:59.880]  What's she gonna do when they come for you?
[03:59.880 --> 04:00.880]  You're okay done that one
[04:00.880 --> 04:01.880]  You're okay done this one
[04:01.880 --> 04:02.880]  You're okay done your mother
[04:02.880 --> 04:04.880]  You're okay done your father
[04:04.880 --> 04:05.880]  You're okay done your brother
[04:05.880 --> 04:06.880]  You're okay done your sister
[04:06.880 --> 04:07.880]  You're okay done that one
[04:07.880 --> 04:10.880]  You're okay done me
[04:10.880 --> 04:11.880]  Bad boys, bad boys
[04:11.880 --> 04:12.880]  What's she gonna do?
[04:12.880 --> 04:15.880]  What's she gonna do when they come for you?
[04:45.880 --> 04:49.720]  What ya gonna do? What ya gonna do when they come for you?
[04:49.920 --> 04:52.760]  Bad boys, bad boys What ya gonna do?
[04:52.880 --> 04:55.480]  What ya gonna do when they come for you?
[04:55.480 --> 04:58.420]  Bad boys, bad boys What ya gonna do?
[04:58.420 --> 05:00.980]  What ya gonna do when they come for you?
[05:01.060 --> 05:04.280]  Bad boys, bad boys What ya gonna do?
[05:04.280 --> 05:06.280]  When did they come for you?
[05:27.780 --> 05:29.780]  Why did you have to act so moon?
[05:30.780 --> 05:32.780]  Don't you know your friend you were meant to be?
[05:32.780 --> 05:35.780]  Born up a mother with the love of the father
[05:35.780 --> 05:37.780]  Prediction to some protection
[05:37.780 --> 05:40.780]  Go, I know sometimes
[05:40.780 --> 05:42.780]  You wanna let go
[05:42.780 --> 05:46.780]  Hey, hey, hey, I know sometimes
[05:46.780 --> 05:48.780]  You wanna let go
[05:48.780 --> 05:50.780]  Bad boys, bad boys
[05:50.780 --> 05:51.780]  What you gonna do?
[05:51.780 --> 05:54.780]  What you gonna do when they come for you?
[05:54.780 --> 05:55.780]  Bad boys, bad boys
[05:55.780 --> 05:56.780]  What you gonna do?
[05:56.780 --> 05:59.780]  What you gonna do when they come for you?
[05:59.780 --> 06:10.780]  You're too bad, you're too rude
[06:10.780 --> 06:12.780]  Bad boys, bad boys
[06:12.780 --> 06:13.780]  What you gonna do?
[06:13.780 --> 06:16.280]  What you gonna do when they come for you?
[06:16.280 --> 06:17.780]  Bad boys, bad boys
[06:17.780 --> 06:18.780]  What you gonna do?
[06:18.780 --> 06:21.780]  What you gonna do when they come for you?
[06:21.780 --> 06:23.280]  They took it from you, let's run
[06:23.280 --> 06:24.780]  They took it from you, someone
[06:24.780 --> 06:25.780]  Ya took it from your mother
[06:25.780 --> 06:27.280]  Or ya took it from your father
[06:27.280 --> 06:28.280]  Ya took it from your brother
[06:28.280 --> 06:51.520]  Okay, howdy, howdy, Randy Kelton, Brett Fountain on this Friday, the second day of October
[06:51.520 --> 07:02.400]  2020 and we have our very special guest, Mr. Michael Pines, probably the most famous crusader
[07:02.400 --> 07:15.840]  for real people during the first foreclosure disaster and we're hoping to craft some relief
[07:15.840 --> 07:23.320]  for the people that are looking at foreclosure and what's coming after the first of the year.
[07:23.320 --> 07:29.160]  Hello Michael, will you introduce yourself? Michael was on last night but sometimes we
[07:29.160 --> 07:35.080]  don't get the same callers Thursday or listeners Thursday and Friday so we want to kind of go
[07:35.080 --> 07:40.120]  over things again and besides he had so much information that we need to address it a second
[07:40.120 --> 07:49.600]  time anyway. Go ahead and introduce yourself Michael. My name is Michael Pines and tell
[07:49.600 --> 07:56.480]  us who you are, what you do, why you're here, why we're so lucky to have you. Well I don't
[07:56.480 --> 08:07.400]  know about that but I was a lawyer starting in 1977 and many years later I became an
[08:07.400 --> 08:16.280]  expert in the bad conduct of the banks and I had a reputation so I was first interviewed
[08:16.280 --> 08:26.560]  by the LA Times in about 2008 or 2009 when all this stuff happened. I'm really mad at
[08:26.560 --> 08:36.640]  the banks so I criticized the federal government and the press not letting them fail. I uncovered
[08:36.640 --> 08:44.040]  corruption by the California bar because they were helping the banks by going after
[08:44.040 --> 08:50.520]  attorneys that try to help homeowners and they still do that today all over the country
[08:50.520 --> 08:59.960]  and I exposed corruption by Kamala Harris who was helping the banks behind the scenes
[08:59.960 --> 09:05.240]  and I had a very famous case for a family by the Earl's on MSNBC that went all over
[09:05.240 --> 09:13.240]  the world in the press and so the big banks and Kamala Harris and the bar got mad at me
[09:13.240 --> 09:17.160]  and they disbarred me and put me in jail and then they put me in prison and they put me
[09:17.160 --> 09:25.880]  in mental hospitals not giving up and I've been winning cases against the banks since
[09:25.880 --> 09:32.600]  2009 I had a case for a family called the Quintero family which was the first wrongful foreclosure
[09:32.600 --> 09:39.120]  case I ever handled and I won it and I've been doing this ever since when I've been
[09:39.120 --> 09:45.440]  able to when I'm not in prison or a mental hospital. We're going to hope we can keep
[09:45.440 --> 10:02.440]  you out of those days. Me too. It was no fun. Okay. When you look at a foreclosure issue
[10:02.440 --> 10:07.840]  what do you look for when you say you have a client in front of you and you don't know
[10:07.840 --> 10:13.400]  anything about them what's the first thing you tend to look for or better yet what are
[10:13.400 --> 10:22.360]  the criteria you look for so you know how to craft a case for them. All I need to know
[10:22.360 --> 10:32.560]  is the name of the bank that supposedly gave them a loan. Then you can Google that name
[10:32.560 --> 10:41.360]  on the internet and put in add the term illegal or lawsuits and you'll get a whole bunch of
[10:41.360 --> 10:49.640]  hits about bad conduct of the banks. Usually it's one of the big four but it doesn't matter
[10:49.640 --> 10:56.960]  because if it wasn't one of the big four like JP Morgan Chase or Bank of America it's some
[10:56.960 --> 11:10.600]  other big bank. As soon as I see that I know that it was a securitized illegal loan. That's
[11:10.600 --> 11:24.480]  really all it takes. Are you still winning securitization issues before the courts? Yes.
[11:24.480 --> 11:33.560]  I guess the question I don't know really how to answer this question is that when someone
[11:33.560 --> 11:42.880]  has a foreclosure issue in the overall scheme of things what is generally the best strategy
[11:42.880 --> 11:51.320]  for an individual who is not like us and spends our time fighting the systems. Is it always
[11:51.320 --> 11:56.800]  best for them to fight for a win in the end or are there other strategies that could help
[11:56.800 --> 12:05.480]  people find remedy without having to spend years and years in court? Well first of all
[12:05.480 --> 12:11.120]  if they're at risk of losing possession and having to move out in an eviction they should
[12:11.120 --> 12:21.960]  immediately file a bankruptcy because that stops that right away. Then you file a lawsuit
[12:21.960 --> 12:28.280]  in federal court preferably but it's crucial that you keep these things very simple for
[12:28.280 --> 12:33.320]  a judge. A lot of the judges are ex-prosecutors or criminal lawyers. They don't know much
[12:33.320 --> 12:38.680]  about civil law and they certainly don't know much about real estate and they're going
[12:38.680 --> 12:47.040]  to be prejudiced. If you admit yes I didn't pay the full amount of this loan they're going
[12:47.040 --> 12:53.880]  to think you're a deadbeat and you're just trying to get out of paying off a loan. But
[12:53.880 --> 13:02.720]  you can make things very simple because you say things like look judge the two important
[13:02.720 --> 13:10.800]  documents are of course I promised sorry note my deed of trust and if you will just look
[13:10.800 --> 13:18.880]  at the names on there and then compare them with the names of the people that are in court
[13:18.880 --> 13:27.800]  here or trying to foreclose on me or whatever you will see that there are nowhere in my
[13:27.800 --> 13:36.640]  loan documents. Plus they probably have a funny name like USA Bank is trustee for the
[13:36.640 --> 13:45.120]  such and such and such securitized trust number so and so and I don't know what they're doing
[13:45.120 --> 13:56.000]  here I never heard of them I didn't make a loan from them and judge you have people come
[13:56.000 --> 14:01.800]  to court all the time and try to get things they're legally not entitled to. So don't
[14:01.800 --> 14:07.000]  just think maybe we should ask a few questions of these people like why they're here where
[14:07.000 --> 14:13.360]  they come from why they think they have the right to throw me out of my house because
[14:13.360 --> 14:20.680]  judge I'm really upset there have been many many psychological studies saying that losing
[14:20.680 --> 14:25.800]  the threat of losing your home or actually losing your home is one of the biggest traumas
[14:25.800 --> 14:31.440]  you can go through it's worse than divorce the Internet has thousands of stories of
[14:31.440 --> 14:38.840]  people committing suicide people barricade themselves in their homes and get guns out
[14:38.840 --> 14:44.960]  and have gun battles with the police police have been killed homeowners have been killed
[14:44.960 --> 14:53.840]  this is serious stuff and we're in a court of law and people in court are supposed to
[14:53.840 --> 15:01.720]  prove things so shouldn't we maybe ask them to prove why they're here what they're doing
[15:01.720 --> 15:08.720]  here and why the heck they think they have the right to throw me out of my house so you
[15:08.720 --> 15:17.360]  can make it as simple as that and then you can say and by the way they judge this loan
[15:17.360 --> 15:26.160]  was securitized and it's very complicated and who understands securitization but I
[15:26.160 --> 15:35.880]  would like you to do one thing go to this URL on the securities and exchange website
[15:35.880 --> 15:44.320]  and you will see that the name of the party in that securitized trust is the very same
[15:44.320 --> 15:53.600]  name of the person who's in court trying to throw me out of my house you need to read
[15:53.600 --> 16:00.760]  all that because there are complicated documents that nobody really understands except the securities
[16:00.760 --> 16:07.280]  lawyers who prepare them but I just want you to see that this isn't just a simple real
[16:07.280 --> 16:19.680]  estate foreclosure case there are other things going on here and if you want to go further
[16:19.680 --> 16:24.760]  you can say things like by the way I happen to know the main document in this securitization
[16:24.760 --> 16:32.840]  was something called the pooling and circuits agreement and here's the URL for that and
[16:32.840 --> 16:39.520]  I can show you how they violated that agreement if you're interested but again it's a hundred
[16:39.520 --> 16:45.120]  and something page document it's very complicated you don't need to read it all okay wait wait
[16:45.120 --> 16:50.880]  hold on I have to go to break right Randy Kelton Brett Fountain here with our special
[16:50.880 --> 17:01.720]  guest Michael Pines little our radio we'll be right back are you being harassed by debt
[17:01.720 --> 17:07.040]  collectors with phone calls letters or even lawsuits stop debt collectors now with the
[17:07.040 --> 17:12.000]  Michael mirrors proven method Michael mirrors has won six cases in federal court against
[17:12.000 --> 17:17.280]  debt collectors and now you can win too you'll get step-by-step instructions in plain English
[17:17.280 --> 17:22.120]  on how to win in court using federal civil rights statute what to do when contacted
[17:22.120 --> 17:27.640]  by phone mail or court summons how to answer letters and phone calls how to get debt collectors
[17:27.640 --> 17:32.280]  out of your credit report how to turn the financial tables on them and make them pay
[17:32.280 --> 17:37.680]  you to go away the Michael mirrors proven method is the solution for how to stop debt
[17:37.680 --> 17:42.720]  collectors personal consultation is available as well for more information please visit
[17:42.720 --> 17:47.600]  rule of law radio dot com and click on the blue Michael mirrors banner or email Michael
[17:47.600 --> 18:02.920]  mirrors at yahoo dot com to learn how to stop debt collectors now rule of law radio is proud
[18:02.920 --> 18:06.720]  to offer the rule of law traffic seminar in today's America we live in us against them
[18:06.720 --> 18:10.240]  society if we the people are ever going to have a free society then we're going to have
[18:10.240 --> 18:14.360]  to stand and defend our own rights among those rights are the right to travel freely from
[18:14.360 --> 18:17.720]  place to place the right to act in our own private capacity and most importantly the
[18:17.720 --> 18:21.880]  right to do process of law traffic courts afford us the least expensive opportunity
[18:21.880 --> 18:26.200]  to learn how to enforce and preserve our rights through due process former sheriff's deputy
[18:26.200 --> 18:30.120]  a craig in conjunction with rule law radio has put together the most comprehensive teaching
[18:30.120 --> 18:33.960]  tool available that will help you understand what due process is and how to hold courts
[18:33.960 --> 18:38.360]  to rule law you can get your own copy of this valuable material by going to rule law radio
[18:38.360 --> 18:42.320]  dot com and ordering your copy today by ordering now you'll receive a copy of eddie's book
[18:42.320 --> 18:46.160]  the texas transportation code the law versus the line video and audio of the original
[18:46.160 --> 18:50.480]  2009 seminar hundreds of research documents and other useful resource material learn
[18:50.480 --> 18:53.680]  how to fight for your rights with the help of this material from rule of law radio dot
[18:53.680 --> 18:58.160]  com order your copy today and together we can have a free society we all want and deserve
[18:58.160 --> 19:24.160]  a free society we all want and deserve a free society we all want and deserve a free society
[19:24.160 --> 19:34.280]  we are
[19:34.280 --> 19:43.420]  on the edge of a hole inside of deep dark
[19:43.420 --> 19:48.080]  always on the lookout the summer this is my
[19:48.080 --> 20:06.080]  So I sit back and I watch the evidence unfold, And I see justice is the door, yeah, justice
[20:06.080 --> 20:07.080]  is the door.
[20:07.080 --> 20:16.080]  And I can stand a little too far at sea, And then we got to get back on course with
[20:16.080 --> 20:17.080]  justice.
[20:17.080 --> 20:22.080]  So we go out of the heavy advisory, From the man that came all the way from Galilee.
[20:22.080 --> 20:28.080]  So I just call and say, if I want place to be, Well, I don't have to work so hard to be
[20:28.080 --> 20:29.080]  free.
[20:29.080 --> 20:33.080]  Some guys are trying to rewrite history, But they got caught.
[20:33.080 --> 20:36.080]  Now them guys got to plead, Looks like justice.
[20:36.080 --> 20:37.080]  Looks like justice.
[20:37.080 --> 20:53.080]  Looks like justice.
[20:53.080 --> 21:12.080]  Okay, we are back, ready to tell from Brett Fountain, we will all radio here with our
[21:12.080 --> 21:20.080]  special guest, Mr. Michael Pines, Michael Pines and I are going to start a show on Monday
[21:20.080 --> 21:24.080]  evening, starting at six p.m. Central.
[21:24.080 --> 21:30.080]  And the show will be exclusively on foreclosure and foreclosure issues.
[21:30.080 --> 21:36.840]  We expect that right, it's already starting, but after the first of the year, we're going
[21:36.840 --> 21:44.480]  to have another round of foreclosures, much worse than the one in 2008.
[21:44.480 --> 21:53.480]  And we will be doing our best to give people a resource they can go to and find remedy.
[21:53.480 --> 22:00.480]  And if not being able to stay in their house or keep their house at least some sort of
[22:00.480 --> 22:05.480]  remedy that will allow them to recover some of what they're going to lose.
[22:05.480 --> 22:10.480]  I'm afraid this one is going to be similar to the last one.
[22:10.480 --> 22:19.480]  There's no real winning or very little real winning, but there is some remedy.
[22:19.480 --> 22:24.480]  And we'll do our best to find every bit of remedy that's out there.
[22:24.480 --> 22:31.480]  So, Michael, we talked about securities last night and there was one thing I really wanted
[22:31.480 --> 22:32.480]  to get to.
[22:32.480 --> 22:36.480]  You talked about bankruptcy and how to use bankruptcy.
[22:36.480 --> 22:43.480]  But from what I've seen when people file bankruptcy, they're not lawyers.
[22:43.480 --> 22:47.480]  They don't know what the ins and outs of bankruptcy is.
[22:47.480 --> 22:54.480]  And if they hire a lawyer, you really can't expect the lawyer to vigorously adjudicate
[22:54.480 --> 23:01.480]  your case because bankruptcy is so competitive in the legal field that they charge such a
[23:01.480 --> 23:08.480]  small amount, they tend to cut corners and tell you that they can't do the things they
[23:08.480 --> 23:14.480]  don't want to do because it costs them too much time and money and lures you in business
[23:14.480 --> 23:16.480]  to make money.
[23:16.480 --> 23:25.480]  What does the individual need to know before they go down to see the clerk at the Federal
[23:25.480 --> 23:32.480]  bankruptcy court?
[23:32.480 --> 23:37.480]  Are you there, Michael?
[23:37.480 --> 23:38.480]  This does not look right.
[23:38.480 --> 23:40.480]  Michael, I think you're muted.
[23:40.480 --> 23:41.480]  Can you hear me?
[23:41.480 --> 23:42.480]  Ah, yes.
[23:42.480 --> 23:43.480]  There we go.
[23:43.480 --> 23:44.480]  Okay.
[23:44.480 --> 23:47.480]  So, what do you need to know?
[23:47.480 --> 23:52.480]  Well, first of all, you need to know that if you don't have any money, you can apply
[23:52.480 --> 23:59.480]  to the court for a waiver of the filing fee or to get payments.
[23:59.480 --> 24:03.480]  And usually you can do that.
[24:03.480 --> 24:15.480]  Second of all, you need to show the debt to the bank on your schedules as unsecured because
[24:15.480 --> 24:23.480]  you're claiming that it's an unsecured debt because the mortgage was no good and disputed.
[24:23.480 --> 24:28.480]  I believe that goes on schedule F like Frank.
[24:28.480 --> 24:38.480]  Yes, and a word to those who are afraid of putting the wrong thing on this document.
[24:38.480 --> 24:42.480]  You don't have to admit to anything.
[24:42.480 --> 24:47.480]  The most important thing to dispute is that mortgage.
[24:47.480 --> 24:51.480]  And credit cards, they're unsecured, they're pretty easy to handle, but that mortgage,
[24:51.480 --> 24:56.480]  you want to have somebody coming behind you and trying to force it through.
[24:56.480 --> 25:02.480]  Even if we had one in California where Wells Fargo was the lender, Wells Fargo was the
[25:02.480 --> 25:05.480]  servicer, Wells Fargo was doing the foreclosure.
[25:05.480 --> 25:07.480]  And we filed and said, who the heck are you?
[25:07.480 --> 25:09.480]  Well, you don't know who you are.
[25:09.480 --> 25:12.480]  You're making this claim, prove it up.
[25:12.480 --> 25:17.480]  Point is, you don't have to admit to anything.
[25:17.480 --> 25:24.480]  If the bank wants to come and claim that they have a claim against your property, put the
[25:24.480 --> 25:26.480]  onus on them to prove it up.
[25:26.480 --> 25:28.480]  Is that correct, Michael?
[25:28.480 --> 25:31.480]  Yeah, they're the ones that are trying to collect the debt.
[25:31.480 --> 25:34.480]  They're the ones that are trying to say you owe money.
[25:34.480 --> 25:42.480]  There are many laws that say that they have the obligation to prove that the money's owed
[25:42.480 --> 25:48.480]  and provide a detailed accounting showing exactly how much money is owed.
[25:48.480 --> 25:53.480]  There's the Real Estate Settlement Procedures Act that says that, the Fair Debt Collection
[25:53.480 --> 25:55.480]  Practices Act.
[25:55.480 --> 25:57.480]  There's all kinds of laws.
[25:57.480 --> 25:59.480]  So you don't have the burden of proof.
[25:59.480 --> 26:07.480]  You just have to say, I have reason to believe that, I don't know, this money and that the
[26:07.480 --> 26:11.480]  amount that they're seeking to collect isn't right.
[26:11.480 --> 26:17.480]  And by the way, these loans are all paid, which is another important thing to get right in
[26:17.480 --> 26:18.480]  front of a judge right away.
[26:18.480 --> 26:20.480]  You say, yes, judge, it's true.
[26:20.480 --> 26:23.480]  I didn't pay my home loan in full.
[26:23.480 --> 26:29.480]  But you should understand that it has been paid.
[26:29.480 --> 26:35.480]  It was paid by parties in the securitization process.
[26:35.480 --> 26:38.480]  And that should go a long way toward helping you with the judge.
[26:38.480 --> 26:46.480]  But yeah, ultimately, they are the ones that have to prove that you owe them the money
[26:46.480 --> 26:55.480]  and exactly how much and provide a detailed accounting.
[26:55.480 --> 27:01.480]  Anybody that's had experience with this knows that one month they'll say this much is owed.
[27:01.480 --> 27:04.480]  The next month they'll say a different amount is owed.
[27:04.480 --> 27:10.480]  It's usually a different person or different entity saying a different amount is owed.
[27:10.480 --> 27:21.480]  What I understand about the way security, the servicers work, that when the bank or the
[27:21.480 --> 27:28.480]  whoever is claiming to be the holder changes servicers, that the previous servicer will
[27:28.480 --> 27:31.480]  tell the current servicer how much is owed.
[27:31.480 --> 27:36.480]  But they don't transfer all of their records to this servicer.
[27:36.480 --> 27:43.480]  So when you ask this new servicer to prove up what he's claiming, they don't have the records.
[27:43.480 --> 27:45.480]  They can't.
[27:45.480 --> 27:53.480]  And we have asked that in a lot of cases and never once has the bank tried to prove up one dive.
[27:53.480 --> 27:57.480]  They will fight like crazy to avoid having to get there.
[27:57.480 --> 28:00.480]  12B6, objections to discovery.
[28:00.480 --> 28:05.480]  They'll do everything they can to keep from getting there and that's because they can't do it.
[28:05.480 --> 28:09.480]  Have you run into that, Michael?
[28:09.480 --> 28:15.480]  Yeah, and if they do produce something, it's made up.
[28:15.480 --> 28:20.480]  And it's obvious, if they do produce it, it's obvious right on the face of the documents,
[28:20.480 --> 28:28.480]  because whatever they produce will be different than what they told you.
[28:28.480 --> 28:36.480]  And this is what Tina, who if you listen to the show very much, you probably heard her on the air.
[28:36.480 --> 28:40.480]  She's fighting a foreclosure issue in California.
[28:40.480 --> 28:45.480]  She filed a criminal complaint on this issue.
[28:45.480 --> 28:47.480]  Brett, you wrote the complaint.
[28:47.480 --> 28:51.480]  Will you explain that complaint?
[28:51.480 --> 28:53.480]  Well, I actually wrote a number of complaints.
[28:53.480 --> 28:57.480]  This is just one of them that apparently for whatever reason was picked up.
[28:57.480 --> 28:58.480]  Let's see.
[28:58.480 --> 29:06.480]  It was 3246 securing execution of a document by deception.
[29:06.480 --> 29:09.480]  Let me pull that up here and I can read it for you.
[29:09.480 --> 29:13.480]  Well, I've got the synopsis of what it was.
[29:13.480 --> 29:21.480]  She filed against the president of the bank that was trying to foreclose.
[29:21.480 --> 29:27.480]  And her claim was bad behavior by the law firm that the bank had hired.
[29:27.480 --> 29:29.480]  Does that sound right, Brett?
[29:29.480 --> 29:31.480]  Yes.
[29:31.480 --> 29:43.480]  And the district attorney in Travis County notified her that the prosecutor is going to present the complaint to the grand jury.
[29:43.480 --> 29:45.480]  But that's not the good part.
[29:45.480 --> 29:48.480]  That is a good part, but that's not the best part.
[29:48.480 --> 29:52.480]  The best part is who the defendant is.
[29:52.480 --> 29:57.480]  The secretary of the treasury, Mnuchin.
[29:57.480 --> 30:02.480]  Well, at the time, he was me.
[30:02.480 --> 30:07.480]  It's clear cell phones have changed the way we live and work, but have they negatively affected our health?
[30:07.480 --> 30:15.480]  I'm Dr. Catherine Albrecht and I'll be back in just a moment with new findings about how cell phones may actually alter our brain chemistry.
[30:15.480 --> 30:20.480]  Privacy is under attack. When you give up data about yourself, you'll never get it back again.
[30:20.480 --> 30:25.480]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[30:25.480 --> 30:30.480]  So protect your rights. Say no to surveillance and keep your information to yourself.
[30:30.480 --> 30:33.480]  Privacy, it's worth hanging on to.
[30:33.480 --> 30:40.480]  This public service announcement is brought to you by StartPage.com, the private search engine alternative to Google, Yahoo, and Bing.
[30:40.480 --> 30:44.480]  Start over with StartPage.
[30:44.480 --> 30:47.480]  Cell phones emit radio frequency energy. It's a fact.
[30:47.480 --> 30:52.480]  But whether it's dangerous to have a phone beaming this kind of radiation near your head has been disputed.
[30:52.480 --> 30:56.480]  Some have blamed it for brain tumors, while cell phone companies have downplayed concerns.
[30:56.480 --> 31:02.480]  Well, now the journal of the American Medical Association is confirming that cell phones affect brain chemistry.
[31:02.480 --> 31:11.480]  A study of 47 volunteers showed that glucose metabolism in the area of the brain closest to the cell phone antenna increases when the cell phone is on.
[31:11.480 --> 31:16.480]  While researchers aren't sure whether this exposure causes damage, I'm not taking any chances.
[31:16.480 --> 31:20.480]  I always keep the phone far from my body, and I use a corded headset.
[31:20.480 --> 31:42.480]  I'm Dr. Catherine Albrecht. More news and information at CatherineAlbrecht.com.
[31:50.480 --> 31:52.480]  And believe there is more to the story.
[31:52.480 --> 31:55.480]  Bring justice to my son, my uncle, my nephew, my son.
[31:55.480 --> 31:57.480]  Go to BuildingWhat.org.
[31:57.480 --> 32:21.480]  Why it's cell, why it matters, and what you can do.
[32:27.480 --> 32:34.480]  Our guests for both verse by verse Bible studies and topical Bible studies designed to provoke onto love and good works.
[32:34.480 --> 32:41.480]  Our verse by verse Bible studies will begin in the book of Matthew where we will discuss one chapter per week.
[32:41.480 --> 32:48.480]  Our topical Bible studies will vary each week and will explore sound doctrine as well as Christian character development.
[32:48.480 --> 33:00.480]  So mark your calendar and join us live on LogosRadioNetwork.com Wednesdays from 8 to 10 p.m. starting January 8th for an inspiring and motivating discussion of the Scriptures.
[33:00.480 --> 33:25.480]  You're listening to the LogosRadio Network at LogosRadioNetwork.com.
[33:25.480 --> 33:32.480]  Okay, how's that?
[33:32.480 --> 33:56.480]  Well, I need a prosecutor to come and help me prosecute them wicked leaders, you see.
[33:56.480 --> 34:24.480]  So how do you get the president?
[34:24.480 --> 34:27.480]  Okay, we are back.
[34:27.480 --> 34:32.480]  Randy Calhoun, Brett Fountain, rule of law radio with our special guest, Mr. Michael Pines.
[34:32.480 --> 34:44.480]  And when we went out, we were talking about Manukian, the director of the treasury, possibly getting indicted.
[34:44.480 --> 34:49.480]  Now, I don't have an axe to grind against Manukian and he is a Republican.
[34:49.480 --> 34:56.480]  I don't have an axe to grind against Republicans, but this is not about that.
[34:56.480 --> 35:05.480]  It appears as though to me that the district attorney is using this as a political football.
[35:05.480 --> 35:16.480]  And those of you who've been listening for a number of years will remember when we got all of the judges of the court of criminal appeals presented to a grand jury.
[35:16.480 --> 35:21.480]  That was my first good lesson in politics.
[35:21.480 --> 35:29.480]  It had nothing to do with what I accused them of, because what I accused them of was really nitpickingly minor.
[35:29.480 --> 35:34.480]  It had to do with a 25-year district attorney who was retiring.
[35:34.480 --> 35:36.480]  He was a Democrat.
[35:36.480 --> 35:39.480]  All these judges were Republicans.
[35:39.480 --> 35:47.480]  It looks like we're in a similar position. Again, we're approaching a contentious election between the Democrats and Republicans.
[35:47.480 --> 35:51.480]  The prosecuting attorney is a Democrat.
[35:51.480 --> 35:57.480]  The Manukian, the director of the treasury is a Republican.
[35:57.480 --> 36:08.480]  It appears as though they may be wanting to use this complaint to black the eye of the Republicans.
[36:08.480 --> 36:12.480]  Politics works for me.
[36:12.480 --> 36:16.480]  So what do you think, Brett?
[36:16.480 --> 36:24.480]  Well, whatever the reason that they have for staying closer to following the law, I'm for it.
[36:24.480 --> 36:41.480]  And this goes back to bankruptcies. When you claim the bankruptcy is unsecured and challenged the claim of the bank, they're going to come back with documents.
[36:41.480 --> 36:51.480]  This particular complaint goes to exactly that issue where Tina challenged the standing of the bank,
[36:51.480 --> 36:57.480]  and the bank produced documents. It's like Michael was saying, they made up these documents.
[36:57.480 --> 37:14.480]  She caught them and filed to get the notary law from the notary who notarized the document and couldn't get it.
[37:14.480 --> 37:21.480]  These complaints grew out of that. Her claiming that this document they filed was fraudulent.
[37:21.480 --> 37:28.480]  And then went back to Texas law 32.46, securing and executing a document by deception.
[37:28.480 --> 37:37.480]  This law was put in to stop the Republic of Texas group from filing liens against public officials.
[37:37.480 --> 37:41.480]  And now we get to use it back against them.
[37:41.480 --> 37:51.480]  So Michael, when you're going into file for bankruptcy and you get an attorney, what do you need to watch for?
[37:51.480 --> 37:57.480]  What do you need to know about that attorney?
[37:57.480 --> 38:03.480]  Well, most bankruptcy attorneys make their profit and they do very well by doing volume.
[38:03.480 --> 38:12.480]  They want to do as many cases as they can, as fast as they can, and do as little work as possible.
[38:12.480 --> 38:23.480]  Investigate all your debts, and they fill out the bankruptcy form online, and there's software packages that automate that.
[38:23.480 --> 38:27.480]  And they can do these bankruptcy petitions and schedules very quickly.
[38:27.480 --> 38:33.480]  They usually have a paralegal do it. It's very easy to do because it's all automated.
[38:33.480 --> 38:40.480]  But they have an obligation to investigate each one of your debts before they file that.
[38:40.480 --> 38:49.480]  And it would take them about 30 seconds to realize there's something wrong with your real estate loan.
[38:49.480 --> 39:03.480]  All they have to do is put the name of the party that's seeking to collect into Google and add the word illegal or lawsuits or something like that.
[39:03.480 --> 39:06.480]  And they'll get a bunch of hits.
[39:06.480 --> 39:15.480]  And they already heard that the banks do things illegal in foreclosure, so they already have a reason to be suspicious.
[39:15.480 --> 39:22.480]  And they have servicing statements with names on them. They can put those names in.
[39:22.480 --> 39:31.480]  And they can compare that with the promissory note in the deed of trust and say the people trying to collect are nowhere on those original loan documents.
[39:31.480 --> 39:36.480]  So that's another reason to be suspicious.
[39:36.480 --> 39:39.480]  And they don't do it.
[39:39.480 --> 39:45.480]  And as I said before, if they did, they would list it on Schedule F as disputed and unsecured and they don't do it.
[39:45.480 --> 39:52.480]  Because if they list a debt as being disputed, all of a sudden that means they might have to do more work.
[39:52.480 --> 39:57.480]  Because they might have to end up in a fight with that creditor and with the bank.
[39:57.480 --> 39:59.480]  And they don't want to do that.
[39:59.480 --> 40:04.480]  They want their $99 down and their six or $1,200 on the back end.
[40:04.480 --> 40:11.480]  And a lot of them will even let you make payments and then want to get in and out in 30 to 60 days and be done with it.
[40:11.480 --> 40:14.480]  And they only have to go to one hearing.
[40:14.480 --> 40:20.480]  It's called a 341A hearing and they have a lot of these cases, so they do a whole group of them on the same day.
[40:20.480 --> 40:23.480]  It's very efficient and they make a lot of money.
[40:23.480 --> 40:31.480]  So what is your remedy if your lawyer doesn't do his due diligence?
[40:31.480 --> 40:43.480]  Well, first of all, it's malpractice because they should have known right away that a real estate loan is illegal because it's been all over the press.
[40:43.480 --> 40:45.480]  It's been in movies, TV.
[40:45.480 --> 40:54.480]  All the professional journals have articles about it that go to lawyers and they should be suspicious and they should do a little research.
[40:54.480 --> 41:04.480]  They're not doing that and not listing it as disputed is gross malpractice and it's even worse.
[41:04.480 --> 41:17.480]  If I'm going to sue a lawyer for malpractice, I'm suing a lawyer in the court before a judge who is a lawyer.
[41:17.480 --> 41:25.480]  What are the chances that I can find some remedy in a malpractice suit?
[41:25.480 --> 41:28.480]  I'm getting there.
[41:28.480 --> 41:31.480]  Okay, I'll shut up.
[41:31.480 --> 41:41.480]  So the first act of malpractice is not investigating the debt and putting it in the right place on the bankruptcy schedule.
[41:41.480 --> 41:57.480]  Then the next thing that happens is when you file a bankruptcy, you get what's called an automatic stay, which means nobody can do anything to collect their debts without getting permission from the court.
[41:57.480 --> 42:06.480]  And so the bank that's seeking to foreclose will file what's called a motion for relief from today.
[42:06.480 --> 42:13.480]  And that will have all the lies and the phony documents and the RoboSign stuff attached to it.
[42:13.480 --> 42:16.480]  And the lawyer doesn't even oppose that.
[42:16.480 --> 42:24.480]  They're supposed to file what's called opposition to relief from stay if they think there's any basis to oppose it.
[42:24.480 --> 42:31.480]  And again, all they have to do now they have the motion for relief from stay with all the phony documents.
[42:31.480 --> 42:36.480]  And there are long lists of RoboSigners on the Internet.
[42:36.480 --> 42:39.480]  Even some of the lists were posted by judges.
[42:39.480 --> 42:51.480]  So all they have to do is take the names off the documents and do a Google search and put the word RoboSigner in and it'll probably come up.
[42:51.480 --> 43:03.480]  And certainly if they put names of the other people in the documents, again pointing out that they were nowhere on the original loan documents and do a Google search for that,
[43:03.480 --> 43:08.480]  they will see that they're bad actors plus that bankruptcy lawyer already knows it.
[43:08.480 --> 43:15.480]  They saw the big short or heard something about the banks doing legal foreclosures.
[43:15.480 --> 43:20.480]  So they should be filing opposition to relief from stay.
[43:20.480 --> 43:23.480]  And all they had to do was get a loan audit.
[43:23.480 --> 43:27.480]  I've seen him as cheap as $199.
[43:27.480 --> 43:31.480]  It'll show him everything that's illegal about the loan.
[43:31.480 --> 43:45.480]  Then all they had to do was go on the Internet and there are thousands of sample oppositions and copy and paste one into a Word document and change the details.
[43:45.480 --> 43:52.480]  Okay, hold on, we're about to go to our sponsors, Randy Kelton, Brett Fountain, rule of law radio.
[43:52.480 --> 44:17.480]  I've got the phones off for now. I'll turn them on later. We'll be right back.
[44:22.480 --> 44:25.480]  Young Jevity can provide the nutrients you need.
[44:25.480 --> 44:31.480]  Logo Radio Network gets many requests to endorse all sorts of products, most of which we reject.
[44:31.480 --> 44:34.480]  We have come to trust Young Jevity so much.
[44:34.480 --> 44:39.480]  We became a marketing distributor along with Alex Jones, Ben Fuchs, and many others.
[44:39.480 --> 44:47.480]  When you order from LogoRadioNetwork.com, your health will improve as you help support quality radio.
[44:47.480 --> 45:00.480]  As you realize the benefits of Young Jevity, you may want to join us. As a distributor, you can experience improved health, help your friends and family, and increase your income. Order now.
[45:00.480 --> 45:03.480]  Are you the plaintiff or defendant in a lawsuit?
[45:03.480 --> 45:18.480]  Win your case without an attorney with Jurisdictionary, the affordable, easy-to-understand four-CD course that will show you how in 24 hours, step-by-step. If you have a lawyer, know what your lawyer should be doing.
[45:18.480 --> 45:22.480]  If you don't have a lawyer, know what you should do for yourself.
[45:22.480 --> 45:33.480]  Thousands have won with our step-by-step course, and now you can too. Jurisdictionary was created by a licensed attorney with 22 years of case-winning experience.
[45:33.480 --> 45:42.480]  Even if you're not in a lawsuit, you can learn what everyone should understand about the principles and practices that control our American courts.
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[45:55.480 --> 46:22.480]  Or call toll-free 866-LAW-EV.
[46:22.480 --> 46:34.480]  Yes, always, I must be careful what I'm wishing for. When I'm hungry, I like to know just what I'm fishing for.
[46:34.480 --> 46:46.480]  I ain't asking for much, I ain't trying to be no glutton. I'm just here making my living pushing buttons.
[46:46.480 --> 46:57.480]  I get my message out, do anyone in shot insistence. I hope for bravery and against slavery showing resistance.
[46:57.480 --> 47:09.480]  First I'm rolling, then I'm walking, then I start strutting. I'm just so glad to make my living pushing buttons.
[47:09.480 --> 47:17.480]  Okay, we are back. Randy Kelton, Brett Fountain, ruleoflawradio here with our special guest, Mr. Michael Pines.
[47:17.480 --> 47:30.480]  And we're talking about bankruptcy as a solution or a partial solution for a foreclosure issue. Will you go ahead, Michael?
[47:30.480 --> 47:44.480]  Okay, so I think where I was at is saying it would be very easy for the lawyer to file opposition to relief from stay to stop the bank from foreclosing.
[47:44.480 --> 47:50.480]  And they bankruptcy lawyers don't do it because it would mean they have to do some work.
[47:50.480 --> 47:54.480]  So that's the second act of malpractice.
[47:54.480 --> 48:15.480]  Now in addition to that, and they have malpractice insurance, now in addition to that is a federal statute that says the bankruptcy trustee who's a lawyer and every bankruptcy case gets a trustee has an obligation to investigate all claims by creditors.
[48:15.480 --> 48:29.480]  And again, trustee organizations gave seminars on this stuff on all the illegal conduct of the banks. So it's impossible to believe that they shouldn't be suspicious.
[48:29.480 --> 48:42.480]  They have an obligation to object to any claim they suspect might not be legitimate. And the trustee doesn't do it.
[48:42.480 --> 48:54.480]  And they also have the right to file an adversary proceeding, which is a lawsuit, and they should be suing the bank for filing a fraudulent claim.
[48:54.480 --> 49:03.480]  And they should be referring it to the Attorney General for criminal prosecution because filing a false bankruptcy claim is a serious federal crime.
[49:03.480 --> 49:05.480]  And they don't do it.
[49:05.480 --> 49:16.480]  They also operate on volume. And they handle hundreds of cases at a time. And a lot of the cases are what they call no assets, so there's no way for them to get any money.
[49:16.480 --> 49:22.480]  But they make plenty of money from the cases where there are some assets to pay them.
[49:22.480 --> 49:32.480]  And they have the highest duty known in the law, which is called the fiduciary duty, and they breach that duty.
[49:32.480 --> 49:38.480]  And they're not immune from suit, and they can be sued. The law is clear.
[49:38.480 --> 49:42.480]  And they have insurance.
[49:42.480 --> 49:56.480]  So one of the quickest ways to get a bunch of money is to make claims against the bankruptcy lawyer that didn't do their job and against the bankruptcy trustee who didn't do his job.
[49:56.480 --> 49:59.480]  And they have insurance.
[49:59.480 --> 50:02.480]  And the insurance company has to pay.
[50:02.480 --> 50:09.480]  And they will.
[50:09.480 --> 50:21.480]  So you're saying that you don't actually have to completely litigate the malpractice case.
[50:21.480 --> 50:34.480]  But just like if you're in an accident and you don't think it's all your fault, but the other guy makes a claim against your insurance and your insurance just goes in there and pays the claim and marks it against you.
[50:34.480 --> 50:43.480]  And you're over here wanting to fight this claim. The bankrupt that the insurance company doesn't want to bother is cheaper for them to make a deal and go away.
[50:43.480 --> 50:46.480]  Get the claimant to go away.
[50:46.480 --> 50:50.480]  Is that essentially what they're doing?
[50:50.480 --> 50:52.480]  It's similar to that.
[50:52.480 --> 51:05.480]  An insurance company owes a duty to their insured. In this case, the lawyer and the trustee, again, it's a fiduciary duty to protect.
[51:05.480 --> 51:18.480]  And in this situation, the lawyer and the trustee technically have committed a crime because they knew that these bankruptcy claims were fraudulent.
[51:18.480 --> 51:21.480]  And they didn't do anything about it.
[51:21.480 --> 51:26.480]  And they could lose their law license.
[51:26.480 --> 51:39.480]  And the damages are hundreds of thousands of dollars at least because the homeowner lost their home and that was the value of their house, which they should have had for free because the loan was illegal.
[51:39.480 --> 51:43.480]  They suffered emotional distress losing their home.
[51:43.480 --> 51:46.480]  There's punitive damages.
[51:46.480 --> 51:53.480]  And so the insurance company has to promptly pay what are called policy limits.
[51:53.480 --> 52:03.480]  And the lawyer and the trustee will be yelling and screaming at their insurance company to settle as quickly and as quietly as they can.
[52:03.480 --> 52:15.480]  And the insurance company has to do it or they get sued for what's called insurance bad faith.
[52:15.480 --> 52:25.480]  And yes, it's similar to the car accident where the insurance company has to pay and settle.
[52:25.480 --> 52:31.480]  But it's even more so in these cases.
[52:31.480 --> 52:34.480]  And they're not going to settle just because it'll cost them more.
[52:34.480 --> 52:41.480]  They have to settle to protect or insured, which is the lawyers.
[52:41.480 --> 52:45.480]  When you say it's more so, is that because they technically committed a crime?
[52:45.480 --> 52:47.480]  They knew it was wrong?
[52:47.480 --> 52:50.480]  They technically committed a crime and it's an ethical violation.
[52:50.480 --> 52:52.480]  They can lose their law license.
[52:52.480 --> 53:07.480]  So to get into detail, what you do is you prepare a letter to the lawyer and the trustee and you say, look, you guys knew or should have known that the claim by the bank seeking to take my house was illegal.
[53:07.480 --> 53:14.480]  It's been publicized all over the place and you didn't do anything.
[53:14.480 --> 53:18.480]  And this was severely traumatic to me.
[53:18.480 --> 53:24.480]  Many studies have been done saying that losing your home is one of the worst traumas you can suffer.
[53:24.480 --> 53:26.480]  People commit suicide.
[53:26.480 --> 53:28.480]  They get in gun battles with the police.
[53:28.480 --> 53:30.480]  This really is hurting me.
[53:30.480 --> 53:34.480]  Just the threat of losing my home.
[53:34.480 --> 53:37.480]  And you didn't do anything about it so you're liable.
[53:37.480 --> 53:38.480]  You've committed a crime.
[53:38.480 --> 53:41.480]  You can get disbarred.
[53:41.480 --> 53:49.480]  And here's the draft of a complaint I'm going to file against you for malpractice and breach of fiduciary duty.
[53:49.480 --> 53:52.480]  But I haven't filed it yet.
[53:52.480 --> 54:00.480]  And I'll tell you what, I won't if you're interested in getting this settled without filing a lawsuit.
[54:00.480 --> 54:04.480]  And the lawyer will jump on that.
[54:04.480 --> 54:13.480]  And the lawyer is even entitled to have a separate lawyer that the insurance company has to pay for.
[54:13.480 --> 54:21.480]  And the lawyer and the trustee and the lawyers that represent them will be yelling and screaming at this insurance company to pay.
[54:21.480 --> 54:28.480]  And if the insurance company doesn't pay right away, you just say to the lawyer and the trustee, look,
[54:28.480 --> 54:32.480]  I have a little sympathy, so we'll keep this private.
[54:32.480 --> 54:36.480]  Let's go to mediation.
[54:36.480 --> 54:45.480]  And the mediator will be a retired judge usually who's very educated on this stuff.
[54:45.480 --> 54:49.480]  And you go to mediation and you don't even need a lawyer.
[54:49.480 --> 54:54.480]  And the judge will know right away that this insurance company should pay.
[54:54.480 --> 55:01.480]  And the insurance adjuster will be there and the insurance adjuster's supervisor will be there.
[55:01.480 --> 55:05.480]  And you'll be sitting out waiting in the waiting room.
[55:05.480 --> 55:11.480]  And the judge will get these insurance company people in there and say, you pay this today.
[55:11.480 --> 55:16.480]  And you pay the full amount of your policy limits.
[55:16.480 --> 55:19.480]  And the insurance company will do it.
[55:19.480 --> 55:25.480]  And you're probably talking about at least a million dollars.
[55:25.480 --> 55:32.480]  I mean, you can imagine a homeowner took these cases to a jury and presented this to a jury.
[55:32.480 --> 55:40.480]  You can imagine how mad a jury would get.
[55:40.480 --> 55:45.480]  And since you haven't filed anything in court, you can do it yourself.
[55:45.480 --> 55:57.480]  Or you could get somebody like Randy or anybody else that's knowledgeable like Brent to help you.
[55:57.480 --> 56:07.480]  And you're going to get a lot of money.
[56:07.480 --> 56:12.480]  Is this something you can help people with?
[56:12.480 --> 56:20.480]  I've prepared sample letters and sample complaints for malpractice and breach of the jury duty.
[56:20.480 --> 56:25.480]  And I work with fraud stoppers, which is an excellent organization.
[56:25.480 --> 56:31.480]  People should consider joining for the 200 and, I don't know, whatever fraud stoppers charges.
[56:31.480 --> 56:33.480]  It's like $250.
[56:33.480 --> 56:38.480]  You get a whole bunch of information.
[56:38.480 --> 56:43.480]  And I can help anybody that wants help.
[56:43.480 --> 56:46.480]  And so can you.
[56:46.480 --> 56:51.480]  If you get off your butt and get your daughter to work on this stuff.
[56:51.480 --> 57:01.480]  It has been my experience that when I go to the court, it makes no difference how knowledgeable I think I am.
[57:01.480 --> 57:08.480]  I am not an attorney and nothing I say carries any weight.
[57:08.480 --> 57:15.480]  If I come in with an attorney, changes everything.
[57:15.480 --> 57:21.480]  Well, you can get an attorney to do this and they'll do it on a contingency fee happily for two reasons.
[57:21.480 --> 57:25.480]  Number one, they can see it's clear cut case of malpractice.
[57:25.480 --> 57:32.480]  Nobody's ever going to believe that these lawyers knew nothing, heard nothing about the banks doing wrongful foreclosures.
[57:32.480 --> 57:38.480]  And they know there's plenty of insurance money there, so they know they can collect.
[57:38.480 --> 57:46.480]  So they'll happily do it on a contingency fee if you want to get a lawyer to do it.
[57:46.480 --> 57:49.480]  Which of course means they get a percentage of what they recover.
[57:49.480 --> 57:54.480]  That's what a contingency fee is in case somebody doesn't know.
[57:54.480 --> 57:59.480]  That's where you don't pay them up front, they only pay you if they win the case.
[57:59.480 --> 58:01.480]  Exactly.
[58:01.480 --> 58:11.480]  When we come back, I'd like to speak to jeopardy and maintenance concerning these kinds of issues.
[58:11.480 --> 58:18.480]  Because I've dealt with a lot of people and people feel horribly intimidated when it comes to the courts.
[58:18.480 --> 58:24.480]  And when it comes to going into the courts and trying to bring a claim.
[58:24.480 --> 58:34.480]  And I have looked at alternatives where someone else more capable could adjudicate the claim for the individual.
[58:34.480 --> 58:36.480]  And they wouldn't have to lose everything.
[58:36.480 --> 58:41.480]  Hang on, Randy Kelton, Brett Fountain, we'll have our radio.
[58:41.480 --> 58:48.480]  I'll go ahead and turn the phone lines on. We'll be right back.
[59:12.480 --> 59:17.480]  The free books are a three volume set called Basic Elements of the Christian Life.
[59:17.480 --> 59:27.480]  Chapter by chapter, Basic Elements of the Christian Life clearly presents God's plan of salvation, growing in Christ, and how to build up the church.
[59:27.480 --> 59:40.480]  To order your free New Testament recovery version and Basic Elements of the Christian Life, call Bibles for America toll free at 888-551-0102.
[59:40.480 --> 59:49.480]  Or visit us online at bfa.org.
[59:49.480 --> 59:59.480]  Live free speech radio, logosradionetwork.com.
[59:59.480 --> 01:00:05.480]  The following news flash is brought to you by The Lone Star Lowdown.
[01:00:05.480 --> 01:00:16.480]  Markets for Monday the 22nd of July 2019, open with precious metals, gold $1,429 an ounce, silver $16.45 an ounce, copper $2.75 an ounce,
[01:00:16.480 --> 01:00:36.480]  oil Texas crude $55.63 a barrel, brand crude $62.47 a barrel, and cryptos in order of market cap, Bitcoin Core $10,566.52, Ethereum $227.26, XRP Ripple $0.33,
[01:00:36.480 --> 01:00:46.480]  and Bitcoin Cash is at $324.10 a crypto coin.
[01:00:46.480 --> 01:00:57.480]  Today in history, the year 1916, the preparedness day bombing, a time suitcase bomb was detonated on Market Street in San Francisco during the World War I Preparedness Day Parade,
[01:00:57.480 --> 01:00:59.480]  killing 10 and injuring 40.
[01:00:59.480 --> 01:01:04.480]  Today in history.
[01:01:04.480 --> 01:01:12.480]  In recent news, since Governor Greg Abbott signed House Bill 1325 legalizing Hempett attacks his law back in June, county prosecutors around the state,
[01:01:12.480 --> 01:01:18.480]  including Houston, Austin, and San Antonio, have been dropping marijuana possession charges and even refusing to file new ones,
[01:01:18.480 --> 01:01:24.480]  since they are stipulating that they do not have the time or the laboratory equipment to test the herb for THC.
[01:01:24.480 --> 01:01:33.480]  Margaret Moore, the Travis County District Attorney, announced earlier this month that she was dismissing 32 felony possession and delivery of marijuana cases because of the law.
[01:01:33.480 --> 01:01:42.480]  Mr. Abbott and other state officials, including the Attorney General, stipulated in a letter that county district attorneys back on Thursday that marijuana has not been decriminalized in Texas
[01:01:42.480 --> 01:01:51.480]  and that these actions demonstrate a misunderstanding of how HB 1325 works, as well as other cities too, like the district attorney in El Paso,
[01:01:51.480 --> 01:02:01.480]  Kyma Esparza, a Democrat who also stated earlier this month that the law, quote, will not have an effect on the prosecution of marijuana cases in El Paso.
[01:02:01.480 --> 01:02:08.480]  However, the issue was succinctly summarized by Mr. Brandon Ball, an assistant public defender in Harris County, who stated that, quote,
[01:02:08.480 --> 01:02:15.480]  the law is constantly changing on what makes something illegal based on its chemical makeup. It's important that if someone is charged with something,
[01:02:15.480 --> 01:02:22.480]  the test matches what they're charged with.
[01:02:22.480 --> 01:02:32.480]  A paper by Tulane University identified a five-and-a-half-inch American pocket shark as the first of its kind in the Gulf of Mexico, the specimen being only the second pocket shark
[01:02:32.480 --> 01:02:40.480]  ever captured or recorded with the other one being found way back in 1979 in the East Pacific Ocean. According to the University paper,
[01:02:40.480 --> 01:02:53.480]  the shark secretes a luminous fluid from a gland near its front fins for the purposes hypothesized to lure and prey who may be drawn into the glow.
[01:02:53.480 --> 01:03:11.480]  This is Ruth Rody with the Lowdown for July 22, 2019.
[01:03:23.480 --> 01:03:37.480]  I won't pay for the war with my body, I ain't gonna pay for the car with my money, I won't pay for the fun with my body,
[01:03:37.480 --> 01:03:52.480]  the plant wicked and the logic shoddy, ain't gonna pay for the war with my body, I won't pay for the boys with my money, ain't gonna pay for the kids with my body,
[01:03:52.480 --> 01:04:04.480]  the whole agenda smells funny, I wanna fight in the wire of my arm. That one would be less than this one.
[01:04:04.480 --> 01:04:11.480]  Okay, we are back. Randy Kelton, Brett Fountain, the Rue de la Radio here with our special guest Michael Pines.
[01:04:11.480 --> 01:04:26.480]  And when we went out, I was asking about people who have been through this foreclosure process. You know, we've been doing this show for a long time and during the foreclosure
[01:04:26.480 --> 01:04:43.480]  mess, 2008, 19, we had people calling in and they were in horrible emotional distress. And, you know, I've said that I've helped over 700 people file losses.
[01:04:43.480 --> 01:05:01.480]  Well, the fact is, most of those people just give up and walk away. Let's see if I can fade up that music. There we go.
[01:05:01.480 --> 01:05:09.480]  Most people just, it's just too difficult, it's just too much stress and pressure, and they throw up their hands and walk away.
[01:05:09.480 --> 01:05:24.480]  So what I'm looking for is, how can we go to someone who just does not have the will to get back into this fight?
[01:05:24.480 --> 01:05:35.480]  How do we go to them and say, look, you know, we can, we can't fix everything that happened, but we can pull something out of here and get you some kind of return.
[01:05:35.480 --> 01:05:54.480]  Is there a way that Brett or I or Brett or me or you could pick up someone's claim and work it for them so that we can get them some return when they can't do it themselves?
[01:05:54.480 --> 01:06:05.480]  Sure. All they have to do is join fraud stoppers for $250 or whatever it is.
[01:06:05.480 --> 01:06:10.480]  And well, can fraud stoppers then pick up their claim and adjudicate for them?
[01:06:10.480 --> 01:06:32.480]  Fraud stoppers can do everything. It's fraudstoppers.org. And when you join, you get a preliminary review of your documents, you get letters that you can write to the bad guys demanding information.
[01:06:32.480 --> 01:06:49.480]  I think that they include a sample federal court complaint. It could be filed. They have lawyers they can refer to you. They can refer you to me. And maybe I can help.
[01:06:49.480 --> 01:07:09.480]  So that's all you have to do is become a member and it's a private organization. And there's a lot of information, a lot of videos on there with a lot of information about the bad conduct of the banks.
[01:07:09.480 --> 01:07:20.480]  And some of it's very entertaining. The rock is on one of them and they have kittens on one. And that's all you have to do.
[01:07:20.480 --> 01:07:46.480]  That's most important. We have so many people out there who have just given up. They've just used up all the strength they had and walked away. And the banks count on that. They hammer people, one of their primary tools they use is they give notice of intent to foreclose.
[01:07:46.480 --> 01:08:02.480]  And so the person is looking at it the first Tuesday of next month at being the last day in their property. And I keep telling people, as long as you have an issue before the court, they're not going to foreclose. They're just doing that to make you crazy.
[01:08:02.480 --> 01:08:12.480]  And then the time comes they don't sell. And then they post it again for the next month. And the person is just as traumatized the next month.
[01:08:12.480 --> 01:08:27.480]  And then it doesn't sell. And after four or five months of this, that's all they can take. They'd rather just walk away. And the banks take advantage of that. And they got every dirty trick you can think of.
[01:08:27.480 --> 01:08:34.480]  And it pleases me that we may have one we can take back to them.
[01:08:34.480 --> 01:08:46.480]  We start harming these lawyers to where it becomes too costly not to do their job. They may actually start doing it.
[01:08:46.480 --> 01:09:01.480]  What else do we need to know about bankruptcy? I know one thing that I would tell people to do. I get people call me sometimes and say the first guy that talked to me was a fellow broadcaster, and he had two days before an eviction hearing.
[01:09:01.480 --> 01:09:06.480]  What do I do? What do I do? You go down and file bankruptcy.
[01:09:06.480 --> 01:09:16.480]  Recently, I had someone that they were coming at 10 o'clock the next day to take his property out of the house.
[01:09:16.480 --> 01:09:21.480]  And I told him be in the bankruptcy court at nine o'clock in the morning.
[01:09:21.480 --> 01:09:34.480]  He went there, got the paperwork, built it out as best he could in front of him, gave it to the clerk. She said, this is close enough. And the judge issued the stay.
[01:09:34.480 --> 01:09:38.480]  It kept him in his house. So there are things you can do.
[01:09:38.480 --> 01:09:56.480]  All the sheriffs know and they have written policies and they train their deputies that as soon as somebody can show that they file the bankruptcy, they have to back off and do nothing.
[01:09:56.480 --> 01:10:04.480]  So you can immediately keep and you can file it minutes before the sheriff gets there.
[01:10:04.480 --> 01:10:11.480]  And then just show the sheriff on your cell phone that you file the bankruptcy petition or print it out or on your computer or whatever.
[01:10:11.480 --> 01:10:16.480]  And that guarantee you the sheriff will go away.
[01:10:16.480 --> 01:10:23.480]  In this case, the constable, apparently he wasn't very well trained.
[01:10:23.480 --> 01:10:36.480]  The guy had a couple of dogs and the constable, after he was told that there was a stay, he intended to evict him anyway because he already had people there to do the eviction.
[01:10:36.480 --> 01:10:44.480]  And threatened to shoot the guy's dogs if he didn't get them locked up somewhere.
[01:10:44.480 --> 01:10:53.480]  So later that evening, I had him called the sheriff and the sheriff called the constable and the sheriff got the constable to back off.
[01:10:53.480 --> 01:11:06.480]  And later that day, they had a phone conference with the lawyer for the sheriff's office and the lawyer for the person who had purchased the property.
[01:11:06.480 --> 01:11:19.480]  And this guy, when he said the judge said, now, who was that was that was going to shoot Mr. Ted's dogs in violation of my stay.
[01:11:19.480 --> 01:11:24.480]  And he said it got really quiet on the phone.
[01:11:24.480 --> 01:11:30.480]  Judges do not like it when you defy them.
[01:11:30.480 --> 01:11:36.480]  Judges are very serious about bankruptcy stays.
[01:11:36.480 --> 01:11:40.480]  Student loans are securitized too.
[01:11:40.480 --> 01:11:52.480]  And very recently, and they're illegal and very recently, Bank of America tried to collect a student loan when somebody was in bankruptcy.
[01:11:52.480 --> 01:12:01.480]  And the judge fined Bank of America $45 million for violating the bankruptcy stay.
[01:12:01.480 --> 01:12:04.480]  Judges take those stays very seriously.
[01:12:04.480 --> 01:12:17.480]  You can just Google Bank of America, violate bankruptcy stay or $45 million and it'll come right up on the Internet.
[01:12:17.480 --> 01:12:22.480]  So it's a very powerful tool.
[01:12:22.480 --> 01:12:30.480]  And my advice always is use bankruptcy as the last ditch.
[01:12:30.480 --> 01:12:35.480]  Don't use bankruptcy too early if you've got other things you can do.
[01:12:35.480 --> 01:12:40.480]  Because if it gets really bad, you always got bankruptcy there, you can pull out and put a stop to them.
[01:12:40.480 --> 01:12:44.480]  We have someone who keeps calling in from New York.
[01:12:44.480 --> 01:12:49.480]  And he had been fighting them for several years.
[01:12:49.480 --> 01:12:55.480]  And finally, they were at the point of evicting them within days.
[01:12:55.480 --> 01:13:01.480]  And we had him file for bankruptcy and that was a couple of years ago.
[01:13:01.480 --> 01:13:03.480]  And he's still in there with them.
[01:13:03.480 --> 01:13:13.480]  He stopped them a day or two before they carried his mother's property out of the house and he's still in there.
[01:13:13.480 --> 01:13:18.480]  We do have a caller, strange woman you've all heard before.
[01:13:18.480 --> 01:13:21.480]  You may have a little trouble understanding her.
[01:13:21.480 --> 01:13:24.480]  She hasn't learned to speak English yet.
[01:13:24.480 --> 01:13:26.480]  She speaks with this strange foreign accent.
[01:13:26.480 --> 01:13:27.480]  Hello, Tina.
[01:13:27.480 --> 01:13:29.480]  Oh, Randy, don't be so churlish.
[01:13:29.480 --> 01:13:33.480]  You're always getting at me for my accent.
[01:13:33.480 --> 01:13:35.480]  Michael understands me.
[01:13:35.480 --> 01:13:39.480]  He's more cosmopolitan than I put it that way.
[01:13:39.480 --> 01:13:42.480]  Because he's not from Texas.
[01:13:42.480 --> 01:13:47.480]  Yeah, Grant told me not to be so churlish.
[01:13:47.480 --> 01:13:48.480]  Yes.
[01:13:48.480 --> 01:13:51.480]  That's the term we got from Tina.
[01:13:51.480 --> 01:14:01.480]  Okay, Tina, tell us about what is going on with your foreclosure case.
[01:14:01.480 --> 01:14:03.480]  I think yours has all the elements.
[01:14:03.480 --> 01:14:05.480]  You have bankruptcy and everything in there, don't you?
[01:14:05.480 --> 01:14:06.480]  I have everything.
[01:14:06.480 --> 01:14:21.480]  I have the bankruptcy report, I have bad bankruptcy attorneys that Michael was just alluding to that I now know just tried to rush through, get their money and do anything of what Michael is saying they should do.
[01:14:21.480 --> 01:14:23.480]  And I never even knew that.
[01:14:23.480 --> 01:14:28.480]  So this was very good information to know that they're supposed to investigate everything.
[01:14:28.480 --> 01:14:37.480]  I had one bankruptcy attorney say he's not going to file an opposition to the move of claim because it's perfectly good.
[01:14:37.480 --> 01:14:38.480]  I said, no, it isn't.
[01:14:38.480 --> 01:14:40.480]  You look at this, you know, you have to file it.
[01:14:40.480 --> 01:14:51.480]  No, we're just going to, you're just going to agree that I won't file it and you're not going to fire me because I've read it and it's perfectly good.
[01:14:51.480 --> 01:15:01.480]  And now I realize that his duty was to me, not the banks, his duty was to do what I asked him to do and oppose.
[01:15:01.480 --> 01:15:06.480]  So Michael is right about that and, you know, but I was so naive.
[01:15:06.480 --> 01:15:08.480]  I was so scared of bankruptcy.
[01:15:08.480 --> 01:15:12.480]  I didn't know I could really take it on myself.
[01:15:12.480 --> 01:15:16.480]  I was like most people as you were talking about terrified of this.
[01:15:16.480 --> 01:15:24.480]  And if only I'd known then what I know now, I am certain I would still be in my house.
[01:15:24.480 --> 01:15:30.480]  I like Michael's idea of going after the attorneys from our practice.
[01:15:30.480 --> 01:15:34.480]  It's certainly going to upset them and that's good.
[01:15:34.480 --> 01:15:46.480]  I have had, you talked last night about, you know, the stay, well, you know, in my case, the bank didn't care about those things.
[01:15:46.480 --> 01:15:49.480]  They got the inland to make sure there wasn't one.
[01:15:49.480 --> 01:15:52.480]  They moved forward like a bulldozer.
[01:15:52.480 --> 01:15:56.480]  But I think that depends on the bank and how protected they are.
[01:15:56.480 --> 01:16:03.480]  And of course, I had that, you know, Treasury Secretary who was in charge of that bank.
[01:16:03.480 --> 01:16:07.480]  But I didn't get good bankruptcy judges.
[01:16:07.480 --> 01:16:12.480]  They were my one was really rude and obnoxious.
[01:16:12.480 --> 01:16:14.480]  I mean, just appalling.
[01:16:14.480 --> 01:16:21.480]  And in the second one, you know, where the it was someone else's bankruptcy.
[01:16:21.480 --> 01:16:31.480]  I'm now realizing listening to Michael and you why they objected to me reopening my bankruptcy because they didn't want me to be a debtor.
[01:16:31.480 --> 01:16:34.480]  Yeah, because then I could file a 50 B.
[01:16:34.480 --> 01:16:37.480]  Oh, I was running off the cliff, Randy.
[01:16:37.480 --> 01:16:47.480]  Okay, Randy Kelton, Brett Fountain, Luleville Radio, our call in number 512-646-1984.
[01:16:47.480 --> 01:16:50.480]  We'll be taking your calls for the rest of the show.
[01:16:50.480 --> 01:16:57.480]  It'd be nice if you could call in with a question on point for Michael, but call in anyway, we'll be right.
[01:16:57.480 --> 01:16:59.480]  About mortgages.
[01:16:59.480 --> 01:17:04.480]  Are you being harassed by debt collectors with phone calls, letters, or even lawsuits?
[01:17:04.480 --> 01:17:08.480]  Stop debt collectors now with the Michael Mirris Proven Method.
[01:17:08.480 --> 01:17:14.480]  Michael Mirris has won six cases in federal court against debt collectors, and now you can win two.
[01:17:14.480 --> 01:17:20.480]  You'll get step-by-step instructions in plain English on how to win in court using federal civil rights statute.
[01:17:20.480 --> 01:17:24.480]  What to do when contacted by phone, mail, or court summons?
[01:17:24.480 --> 01:17:26.480]  How to answer letters and phone calls?
[01:17:26.480 --> 01:17:28.480]  How to get debt collectors out of your credit report?
[01:17:28.480 --> 01:17:33.480]  How to turn the financial tables on them and make them pay you to go away?
[01:17:33.480 --> 01:17:38.480]  The Michael Mirris Proven Method is the solution for how to stop debt collectors.
[01:17:38.480 --> 01:17:40.480]  Personal consultation is available as well.
[01:17:40.480 --> 01:17:49.480]  For more information, please visit ruleoflawradio.com and click on the blue Michael Mirris banner, or email Michaelmirris at yahoo.com.
[01:17:49.480 --> 01:17:56.480]  That's ruleoflawradio.com, or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com.
[01:17:56.480 --> 01:17:59.480]  To learn how to stop debt collectors now.
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[01:19:07.480 --> 01:19:08.480]  Radio.
[01:19:08.480 --> 01:19:09.480]  Radio.
[01:19:09.480 --> 01:19:10.480]  Radio.
[01:19:10.480 --> 01:19:11.480]  Radio.
[01:19:11.480 --> 01:19:12.480]  Radio.
[01:19:12.480 --> 01:19:13.480]  Radio.
[01:19:13.480 --> 01:19:14.480]  Radio.
[01:19:14.480 --> 01:19:15.480]  Radio.
[01:19:15.480 --> 01:19:16.480]  Radio.
[01:19:16.480 --> 01:19:17.480]  Radio.
[01:19:17.480 --> 01:19:18.480]  Radio.
[01:19:18.480 --> 01:19:19.480]  Radio.
[01:19:19.480 --> 01:19:20.480]  Radio.
[01:19:20.480 --> 01:19:25.480]  No more many.
[01:19:25.480 --> 01:19:29.480]  Well...
[01:19:29.480 --> 01:19:36.480]  Ain't gonna fool me with that same old trick again.
[01:19:36.480 --> 01:19:41.480]  I was blindsided, but now I can see your land.
[01:19:41.480 --> 01:19:43.480]  You put the fear in my pockets.
[01:19:43.480 --> 01:19:46.480]  Took you money from my hands.
[01:19:46.480 --> 01:19:51.040]  Ain't gonna fool me with that same old trick again
[01:19:55.040 --> 01:19:57.040]  I ain't gonna fool me
[01:19:57.680 --> 01:20:02.000]  Okay, we are back Randy Kelton Brett Fountain root of our radio
[01:20:02.800 --> 01:20:09.520]  And we're here with our special guest mr. Michael pines and we're talking to Tina in California
[01:20:11.120 --> 01:20:14.480]  And you were talking about the dirty rotten scoundrel lawyers
[01:20:14.480 --> 01:20:21.360]  Yes, and they all promised how good they're going to be and how they're going to do this bankruptcy for you
[01:20:21.920 --> 01:20:26.880]  The second one promised me she'd never lost the case and I had to turn it to a chapter seven
[01:20:26.880 --> 01:20:30.560]  This is the way to do it. Then she promptly filed something late
[01:20:30.560 --> 01:20:33.440]  They'll be the one for opposition to release of stay
[01:20:34.080 --> 01:20:40.080]  And made some excuse to file the paper afterwards, but the judge says, nah, forget it. You know, you're too late
[01:20:40.080 --> 01:20:45.120]  Um, so what you were going pointing to I think don't miss deadlines
[01:20:45.760 --> 01:20:48.560]  Uh, maybe Michael can teach people
[01:20:49.120 --> 01:20:54.960]  There are a lot of people that really need to hire a bankruptcy attorney because they are still too terrified to do it themselves
[01:20:54.960 --> 01:20:56.720]  They don't have time their families
[01:20:56.720 --> 01:21:02.240]  But maybe you can point it in how to control or choose the bankruptcy attorney
[01:21:02.720 --> 01:21:06.000]  That will do what you want them to do and how to
[01:21:06.000 --> 01:21:10.400]  To control them if they get a little out of control and are not
[01:21:11.440 --> 01:21:14.400]  You know doing it like that one bankruptcy attorney said to me
[01:21:14.560 --> 01:21:20.320]  Well, you're just going to agree that I won't oppose the proof of claim and you won't fire me
[01:21:21.120 --> 01:21:28.560]  Which I promptly did but how do we control them if we have to hire a bankruptcy attorney or any attorney?
[01:21:28.800 --> 01:21:31.520]  How do we make them do what we need them to do?
[01:21:31.520 --> 01:21:35.040]  Well, first of all, sadly, it's like everything else
[01:21:35.600 --> 01:21:38.160]  The more money you pay you get what you pay for
[01:21:38.960 --> 01:21:45.760]  So the more expensive the bankruptcy lawyer the more likely they are to actually fight for your rights
[01:21:46.640 --> 01:21:51.520]  They will all give you a free consultation for an hour at least
[01:21:52.480 --> 01:21:58.960]  They will almost all let you make payments of what you can afford because they know you don't have a lot of money
[01:21:58.960 --> 01:22:03.360]  And how you control them is you educate them. You send them in writing
[01:22:04.320 --> 01:22:06.320]  You send them emails and say look
[01:22:06.880 --> 01:22:10.080]  Here's the information I have about what this act did
[01:22:12.000 --> 01:22:14.000]  And I want to fight the bank
[01:22:15.920 --> 01:22:19.440]  And you have to do it or I'll report you to the bar
[01:22:23.040 --> 01:22:26.880]  And I'll find every single person that you find
[01:22:26.880 --> 01:22:31.920]  Every single person that you file the bankruptcy for and I'll contact them
[01:22:32.640 --> 01:22:37.680]  Because they're all online on pacer and I'll tell them what a horrible lawyer you are
[01:22:38.320 --> 01:22:40.720]  And I'll tell them to file complaints with the bar
[01:22:47.040 --> 01:22:51.040]  And I'll say and I'll see you I'm glad you went there
[01:22:51.040 --> 01:22:56.000]  Uh, I haven't I've deliberately not been talking about bar complaints
[01:22:56.640 --> 01:23:04.160]  Uh, Brett will you talk about bar complaints? How many bar complaints would you say you have filed up to this time?
[01:23:05.440 --> 01:23:08.560]  How many I don't know I I lost count
[01:23:09.920 --> 01:23:11.280]  Quite a few
[01:23:11.280 --> 01:23:13.200]  I went through the
[01:23:13.200 --> 01:23:15.200]  The uh in texas we have
[01:23:15.200 --> 01:23:23.440]  And I realized you said that the american bar association has very similar rules. I haven't gone through those yet, but texas has
[01:23:24.160 --> 01:23:25.200]  the um
[01:23:25.200 --> 01:23:28.960]  118 pages of all the rules that the lawyers have to follow
[01:23:29.840 --> 01:23:31.360]  and
[01:23:31.360 --> 01:23:38.160]  I just spilled down out of there just out of my own experience. I called out the pieces that are what a commonly
[01:23:38.160 --> 01:23:44.880]  Attorneys most commonly violate. So there's a really easy little quick reference for myself
[01:23:45.680 --> 01:23:47.680]  and distilled it down to
[01:23:47.680 --> 01:23:49.680]  uh, just
[01:23:50.000 --> 01:23:57.280]  Easy to to grab these pieces and stick them right into a bar agreement. So I've got it down to a a little nice template that
[01:23:58.320 --> 01:24:02.960]  It was based on their fax version of their complaint. They really want to do it online
[01:24:02.960 --> 01:24:09.680]  But I'd rather have a version of it be able to keep a copy of a local version
[01:24:10.160 --> 01:24:15.200]  After four or five hundred you kind of get it down to a an art. I haven't got that many
[01:24:16.240 --> 01:24:17.760]  I don't know
[01:24:17.760 --> 01:24:19.760]  But it's not not that much
[01:24:20.080 --> 01:24:25.760]  But they do they did get to where they were recognizing me and talking to the uh, I'm saying
[01:24:25.760 --> 01:24:32.480]  Um, you're you're filing. How do they put it you're filing too many complaints or?
[01:24:34.480 --> 01:24:41.440]  And then I they um gave me a something like d smith and I said well, who is d smith and I
[01:24:42.320 --> 01:24:44.320]  Bar greed that person
[01:24:44.480 --> 01:24:46.480]  so
[01:24:46.560 --> 01:24:48.560]  Because the ones reviewing
[01:24:48.560 --> 01:24:49.840]  the
[01:24:49.840 --> 01:24:55.200]  Bar grievances are actually a lawyer themselves and they are required to follow these rules
[01:24:58.800 --> 01:25:04.160]  That's right the american bar association has what they call model rules
[01:25:06.320 --> 01:25:08.320]  That they give is an example
[01:25:08.800 --> 01:25:10.800]  for the states to adopt
[01:25:11.440 --> 01:25:13.440]  And then the state uses that
[01:25:14.000 --> 01:25:16.000]  to adopt their specific rules
[01:25:17.120 --> 01:25:19.120]  all the states have them
[01:25:19.120 --> 01:25:25.360]  And they're almost all modeled after these proposal by proposed rules by the american bar association
[01:25:28.080 --> 01:25:30.080]  And lawyers are very vulnerable
[01:25:32.080 --> 01:25:38.240]  Because like brent says there's whatever 118 rules in texas they're highly regulated
[01:25:41.200 --> 01:25:43.200]  Now the bars are corrupt
[01:25:43.200 --> 01:25:48.320]  They're all controlled by the big law firms that represent the banks
[01:25:48.560 --> 01:25:54.320]  But if you push it hard enough you might get them to investigate. You might get them to do something
[01:25:56.480 --> 01:26:02.000]  And there are strengthened numbers so like I said you find every client you can
[01:26:02.720 --> 01:26:04.720]  That this lawyer represented
[01:26:05.920 --> 01:26:11.200]  Or if you're going after the banks lawyers you find every case where they tried to foreclose
[01:26:11.200 --> 01:26:15.280]  And you threaten to go to the press
[01:26:16.480 --> 01:26:18.320]  If I remember right
[01:26:18.320 --> 01:26:23.840]  You can go into pacer and do a search for a law on a lawyer's name. Can't you I think so
[01:26:27.200 --> 01:26:29.200]  That lawyer filed
[01:26:31.120 --> 01:26:32.240]  Yeah
[01:26:32.240 --> 01:26:33.840]  I had a lawyer
[01:26:33.840 --> 01:26:35.840]  complain to me once
[01:26:35.840 --> 01:26:38.960]  that a friend of his had just got out of law school and
[01:26:38.960 --> 01:26:44.400]  And got on the attorney wheel and got appointed a client and the client disappeared
[01:26:45.680 --> 01:26:50.960]  And 10 months later he went to the judge and say told him your honor my client has disappeared
[01:26:51.920 --> 01:27:00.160]  He has to be removed from the case. So the judge removed him from the case the next month the guy showed up and he was upset at his lawyer for
[01:27:01.360 --> 01:27:04.080]  backing out on his case and he filed a bargremence against him
[01:27:04.080 --> 01:27:08.960]  They can't the insurance carrier canceled his malpractice insurance immediately
[01:27:10.800 --> 01:27:12.800]  And this this is what I found
[01:27:13.360 --> 01:27:16.560]  One bargree which your first year of practice they canceled immediately
[01:27:17.200 --> 01:27:20.800]  Two bar grievances valid invalid. They don't care
[01:27:21.680 --> 01:27:24.240]  They know the bar throws most of them in the trash
[01:27:25.040 --> 01:27:28.960]  So how do they gauge their level of risk by valid bar grievances?
[01:27:28.960 --> 01:27:34.880]  They can throw them all in the trash by the numbers two bar grievances any one year of practice they cancel
[01:27:35.520 --> 01:27:38.640]  three that cancel your law firm's malpractice insurance
[01:27:40.640 --> 01:27:44.160]  Russell Mortland in a bankruptcy in San Marcos
[01:27:45.280 --> 01:27:47.280]  Halfway through the bankruptcy of the law firm
[01:27:48.320 --> 01:27:49.920]  quit and
[01:27:49.920 --> 01:27:51.920]  The bank hired another law firm
[01:27:52.560 --> 01:27:57.120]  At the end of the bankruptcy the original attorney came back to the court for some reason and
[01:27:57.120 --> 01:28:02.080]  Complained that mr. Mortland filed three bar grievances against him
[01:28:03.120 --> 01:28:08.880]  And their law firm's malpractice insurance was canceled and they had to shut down the law firm and start a new one
[01:28:09.120 --> 01:28:11.120]  So they could get it insured
[01:28:13.120 --> 01:28:15.760]  Oh, we we hated to hear that it just broke our hearts
[01:28:17.120 --> 01:28:19.120]  I'm sure
[01:28:19.120 --> 01:28:21.440]  So that is a powerful tool. We have it
[01:28:21.440 --> 01:28:27.600]  On this show primarily we we look for
[01:28:29.360 --> 01:28:34.480]  The politics and the dirty tricks that they pull so we can turn around and pull them back
[01:28:35.600 --> 01:28:39.920]  And we have a lot of fun at that and Tina is one of our pros at that kind of stuff
[01:28:40.640 --> 01:28:46.160]  So if you have problems with a lawyer, they have their weaknesses and you can exploit them
[01:28:47.200 --> 01:28:49.840]  And the wonderful thing is you have the internet
[01:28:49.840 --> 01:28:51.840]  And if you're good at that
[01:28:53.440 --> 01:28:55.440]  You can put
[01:28:55.520 --> 01:28:57.520]  Complaints about the lawyer on the internet
[01:28:58.880 --> 01:29:04.320]  There are probably websites that specialize in letting you post complaints about lawyers. I'm sure there are
[01:29:05.920 --> 01:29:07.920]  And the lawyer will hate that
[01:29:08.960 --> 01:29:11.440]  In that case I own bar grievance net
[01:29:11.440 --> 01:29:18.160]  I used to have it up. I need to put it back up again and give a place for people to do that
[01:29:25.600 --> 01:29:29.200]  Yeah, people Google the names of their lawyers all the time I think
[01:29:31.920 --> 01:29:36.080]  Oh, yeah, and if we do this right we we move bar grievance up in the seos
[01:29:36.080 --> 01:29:41.280]  Or even put a section get frank to put a section on uh fraud stoppers
[01:29:43.520 --> 01:29:45.200]  That would give his
[01:29:45.200 --> 01:29:47.040]  Work much more clout
[01:29:47.040 --> 01:29:52.400]  Hang on about to go to a sponsors randy kelton brett fountain rule of our radio
[01:29:53.440 --> 01:29:55.440]  We'll be right back
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[01:33:28.400 --> 01:33:40.080]  Okay, we are back
[01:33:41.040 --> 01:33:45.760]  Randy Kelton Brett Fountain rule of law radio here with our special guest mr. Michael pines
[01:33:46.240 --> 01:33:52.560]  And we were talking to tina in california tina. We kind of cut you off there, but we didn't forget about you
[01:33:54.160 --> 01:33:56.160]  That's okay
[01:33:56.160 --> 01:34:05.120]  Okay, we were you were talking about the dirty rotten scoundrel lawyers and what they were doing in your bankruptcy
[01:34:08.160 --> 01:34:12.080]  Continue with that I wasn't doing anything they they they didn't do their job
[01:34:12.640 --> 01:34:16.480]  They completely let me down and let me lose my home
[01:34:18.560 --> 01:34:22.160]  So at this point you've got two lawyers you can sue from out practice
[01:34:22.160 --> 01:34:25.760]  Did you have a lawyer in the foreclosure itself?
[01:34:27.920 --> 01:34:33.520]  Uh in the first well in in the foreclosure itself. It's kind of hard to say
[01:34:34.160 --> 01:34:36.160]  I had a lawyer in
[01:34:36.400 --> 01:34:41.200]  First suit and he knew about as much as I did which was nothing
[01:34:41.760 --> 01:34:47.520]  Uh, and he got me the resjudicata judgment and then the second one I did
[01:34:47.520 --> 01:34:53.360]  Um, pro se with the help of someone who turned out to not be very good
[01:34:53.840 --> 01:34:58.240]  Um, and then I had an attorney for the third one
[01:34:58.880 --> 01:35:06.000]  Who wrote very well, but was a bit of a pussy in front of the judge and didn't everyone upset judge
[01:35:06.400 --> 01:35:10.400]  I didn't want to put strong words into the case
[01:35:11.120 --> 01:35:14.000]  Um, you know, I finally got him after two, you know
[01:35:14.000 --> 01:35:18.160]  I like a year and a half to put that the bank or vexatious forecloses
[01:35:18.640 --> 01:35:23.440]  Because they kept accusing me of being a vexatious litigant and a vexatious homeowner
[01:35:24.080 --> 01:35:29.280]  Um, so I started telling him we're just going to use their words against them and turn them around
[01:35:29.840 --> 01:35:35.840]  But you know the supreme court isn't vexatious isn't that supposed to be for only the one who initiates
[01:35:36.800 --> 01:35:38.960]  How can you be a vexatious defendant, right?
[01:35:38.960 --> 01:35:46.800]  Yeah, but in california you have to sue because it's uh, you know, the um, non-judicial state
[01:35:47.040 --> 01:35:49.440]  So they can just take you home without going to court
[01:35:50.720 --> 01:35:56.000]  How can you how can you be a vexatious homeowner? What did that mean?
[01:35:57.200 --> 01:36:01.040]  Well, it's a vexatious litigant because you're stewing the bank more than one time
[01:36:01.760 --> 01:36:07.440]  That's vexatious because you know, they're they're not vexatious at all. They're just doing their job and your
[01:36:07.440 --> 01:36:12.640]  the horrible homeowner. You're the vexatious litigant who's costing them money and time and
[01:36:13.040 --> 01:36:19.200]  You know staying all these lies about them. So you're vexatious and they've tried to get the vexatious litigant against me
[01:36:19.760 --> 01:36:24.560]  Once I'm sure they'll try again and once they get that designation
[01:36:24.960 --> 01:36:30.960]  It means you cannot then file another case in court without getting permission of the judge
[01:36:30.960 --> 01:36:34.640]  And that is problematic. So we need to beat them up first
[01:36:38.480 --> 01:36:46.240]  So Michael would she be able to bring a claim against the
[01:36:47.760 --> 01:36:49.760]  For closure attorney
[01:36:50.640 --> 01:36:52.640]  Of course
[01:36:52.640 --> 01:36:54.640]  Those attorneys committed crimes
[01:36:55.680 --> 01:36:58.320]  Many many crimes and they're liable
[01:36:58.320 --> 01:37:00.320]  They're liable
[01:37:00.320 --> 01:37:02.320]  For the fair debt collection practices act
[01:37:03.280 --> 01:37:06.480]  They're liable under all kinds of federal laws
[01:37:07.360 --> 01:37:10.320]  But basically they were involved in a criminal fraud
[01:37:12.080 --> 01:37:15.440]  They were they were saying they had to write to foreclose when they didn't
[01:37:17.200 --> 01:37:20.560]  So when we get these scoundrel lawyers, uh
[01:37:21.760 --> 01:37:23.760]  Do they
[01:37:23.760 --> 01:37:25.760]  self-insure
[01:37:25.760 --> 01:37:29.040]  I know there's they don't the bank
[01:37:30.080 --> 01:37:32.080]  The bank pays for everything
[01:37:32.880 --> 01:37:36.960]  For the lawyer and the banks don't care because their shareholders pay
[01:37:37.760 --> 01:37:39.760]  And they have billions of dollars
[01:37:40.400 --> 01:37:44.720]  Okay, these guys are not going to be self-insured then they're going to make sure the bank pays for it
[01:37:45.520 --> 01:37:47.920]  Right that makes some low-hanging fruit
[01:37:51.920 --> 01:37:53.920]  Tina you may have
[01:37:53.920 --> 01:37:56.960]  So far four lawyers you can take a crack at
[01:37:58.640 --> 01:38:04.880]  But if you hired a lawyer and they don't have insurance, how do you go after them when they have no insurance?
[01:38:05.680 --> 01:38:07.680]  They have to have insurance
[01:38:08.640 --> 01:38:14.560]  It's a california law in california that you have to carry malpractice insurance if you want to practice
[01:38:15.520 --> 01:38:17.520]  And most other states it's the same
[01:38:18.640 --> 01:38:20.640]  It's not in texas
[01:38:20.640 --> 01:38:26.640]  Most of them do but it's it's you can practice without insurance in texas
[01:38:30.240 --> 01:38:35.120]  Well, I don't know you can't get blood out of a stone. So if they don't have malpractice insurance all you can do is
[01:38:36.160 --> 01:38:39.440]  Report them to the bar or whatever and the bar will take their license
[01:38:39.440 --> 01:38:41.040]  And they won't be practicing anymore
[01:38:41.440 --> 01:38:47.600]  And that's something that the bar will generally take action on because they want these lawyers to be insured
[01:38:47.600 --> 01:38:56.800]  A lot of your who represents clients is not insured even the bar doesn't like them. Hmm. That's interesting
[01:38:58.080 --> 01:39:00.080]  That is interesting. Yeah
[01:39:01.680 --> 01:39:07.680]  Because you know as you know randy I've had the experience with the one attorney that I've written three bar complaints against
[01:39:08.320 --> 01:39:14.080]  Um, and the bar won't do anything and I took it to the supreme court and they wouldn't do anything
[01:39:14.080 --> 01:39:21.840]  Um, and they won't allow me to view the attorney's response written response because it's secret
[01:39:24.480 --> 01:39:30.000]  Do you know about that uh michael when you file a complaints complaints
[01:39:31.520 --> 01:39:36.960]  Filed against an attorney are considered to be confidential. They keep all the information confidential
[01:39:37.840 --> 01:39:39.840]  Until they take action
[01:39:39.840 --> 01:39:47.040]  Okay, once they impose a penalty and suspend the lawyer or disbar the lawyer or whatever
[01:39:47.600 --> 01:39:49.600]  Then it all becomes public
[01:39:50.480 --> 01:39:52.480]  But the idea is
[01:39:54.000 --> 01:39:55.760]  The idea is
[01:39:55.760 --> 01:39:57.760]  Until they investigate a claim
[01:39:58.560 --> 01:40:02.320]  They don't and make sure that it's valid. They don't want the lawyer to have any
[01:40:03.120 --> 01:40:07.120]  thing public about somebody choosing him of doing something bad
[01:40:07.120 --> 01:40:12.480]  To whom does the confidentiality apply?
[01:40:13.280 --> 01:40:15.280]  Does it apply to the complainant?
[01:40:15.840 --> 01:40:23.040]  No, the complainant can can say and do post on the internet and do whatever they want, but the bar won't tell you
[01:40:24.320 --> 01:40:28.240]  necessarily what the lawyers said what they responded by
[01:40:31.600 --> 01:40:34.400]  So it would be up to the lawyer to defend himself
[01:40:34.400 --> 01:40:40.880]  And he can lie about the complainant and they won't ever know what he's said
[01:40:42.080 --> 01:40:46.800]  But worse they're supposed to know what we complain about but they can say oh no
[01:40:47.200 --> 01:40:49.920]  Because like probably in my case they said well, she's just
[01:40:50.320 --> 01:40:53.200]  Because she's just just just a sore home owner because she lost her house
[01:40:53.200 --> 01:40:55.200]  So she's just complaining unnecessary
[01:40:55.200 --> 01:41:04.800]  Even though my complaints were valid because he violated the California penal code, but they won't do anything
[01:41:05.680 --> 01:41:12.560]  Well, like I said the the bars are corrupt every lawyer in California that's dealt with the bar knows they're corrupt. They're very political
[01:41:13.520 --> 01:41:16.000]  They're usually controlled by the big law firms
[01:41:16.720 --> 01:41:18.720]  So you'll very rarely see
[01:41:18.720 --> 01:41:24.800]  But the bar disciplining somebody from a big law firm they always go after the little soul practitioners
[01:41:25.760 --> 01:41:27.760]  that are too weak to defend themselves
[01:41:30.480 --> 01:41:33.520]  And it's only when you force them to do something
[01:41:34.080 --> 01:41:39.840]  That they do something and there's two ways to do that one is if you can get a whole bunch of people to complain
[01:41:41.200 --> 01:41:43.200]  Then they will do something
[01:41:44.000 --> 01:41:46.000]  Because they're afraid it'll become public
[01:41:46.000 --> 01:41:48.000]  When you get enough people complaining
[01:41:49.120 --> 01:41:51.120]  And the other way is to get it
[01:41:51.920 --> 01:41:53.920]  In the press or on the internet
[01:41:55.120 --> 01:42:00.640]  And send the bar the url and say look I'm advertising. I'm putting this all over the place
[01:42:01.680 --> 01:42:04.640]  Here's where you can find some of the complaints that I made
[01:42:07.760 --> 01:42:10.640]  Because the bar would hate it if the press got involved
[01:42:12.240 --> 01:42:14.240]  I really like that idea
[01:42:14.240 --> 01:42:17.600]  Well, Brett, I own bar grievance.net
[01:42:19.120 --> 01:42:23.280]  And I think I owed bad lawyer and I own my lawyer screwed me
[01:42:24.560 --> 01:42:26.560]  I've got a bunch of those
[01:42:29.200 --> 01:42:32.240]  I collect url and domain names
[01:42:34.480 --> 01:42:37.120]  But also I also it's free isn't it
[01:42:37.920 --> 01:42:43.200]  Or not it it cost me 12 bucks a year and I was paid about three or four hundred bucks
[01:42:43.200 --> 01:42:47.040]  I had about 80 names collected. I got rid of a lot of them
[01:42:48.000 --> 01:42:53.840]  But every time I come across a good domain name. I grabbed it. I own shysterproof.com
[01:42:54.720 --> 01:42:56.720]  shysterproof.us
[01:43:00.880 --> 01:43:02.880]  There was a
[01:43:02.880 --> 01:43:05.760]  legal reform guy who had that and he went to jail
[01:43:06.720 --> 01:43:11.120]  And he lost it while it was in jail. And so I picked it up for him
[01:43:11.120 --> 01:43:14.560]  But when he got out of jail, he didn't want it back. That was out of the desk
[01:43:17.120 --> 01:43:23.120]  He's still around somewhere, but he didn't didn't want shysterproof back. So I could I could put up, you know, we could
[01:43:24.000 --> 01:43:27.680]  Put up a site and then mirror them on these different names
[01:43:29.280 --> 01:43:32.240]  So we get people to find that's one thing we can do to get it out there
[01:43:33.680 --> 01:43:35.680]  But we're about to go to our sponsors
[01:43:37.280 --> 01:43:39.280]  When we come back
[01:43:39.280 --> 01:43:41.280]  There was a place I wanted to go
[01:43:43.280 --> 01:43:45.280]  Brett, do you remember where that was?
[01:43:47.280 --> 01:43:49.280]  Do I remember?
[01:43:49.280 --> 01:43:51.280]  Yeah, you're not as old as me
[01:43:51.280 --> 01:43:55.280]  Randy Kelton, Brett Fouton, Rubella Radio
[01:43:55.280 --> 01:43:57.280]  We'll be right back
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[01:46:22.280 --> 01:46:51.280]  Okay, we are back. Randy Kelton, Brett Fountain on this Friday, the second day of October
[01:46:51.280 --> 01:46:56.280]  2020 with our special guest, Mr. Michael Pines
[01:46:56.280 --> 01:47:07.280]  And Michael, one thing I would like to talk about is you mentioned earlier a mortgage analysis
[01:47:07.280 --> 01:47:12.280]  Can you talk a little bit more about that?
[01:47:12.280 --> 01:47:22.280]  Sure, most of the way you do an analysis on your loan is to get a loan audit
[01:47:22.280 --> 01:47:25.280]  And there are lots of companies that do them
[01:47:25.280 --> 01:47:30.280]  But in my opinion, fraudstoppers.org does the best ones
[01:47:30.280 --> 01:47:35.280]  And you'll get a report that shows everything that's wrong with the...
[01:47:35.280 --> 01:47:39.280]  Usually these reports are like 50 pages
[01:47:39.280 --> 01:47:44.280]  And there are two kinds. There's a forensic loan audit
[01:47:44.280 --> 01:47:53.280]  Which examines all the consumer protection laws and protects against predatory loans
[01:47:53.280 --> 01:47:58.280]  So it comes up with all the violations of the federal laws like the Truth in Lending Act
[01:47:58.280 --> 01:48:01.280]  And the Real Estate Settlement Procedures Act
[01:48:01.280 --> 01:48:04.280]  And what's called HOPA
[01:48:04.280 --> 01:48:09.280]  And then there's a second kind of audit which is a securitization audit
[01:48:09.280 --> 01:48:15.280]  Which shows you all the illegal things about your loan because it was securitized
[01:48:15.280 --> 01:48:20.280]  And some of these are relatively inexpensive, a few hundred dollars
[01:48:20.280 --> 01:48:30.280]  And they go up to maybe, I don't know, $995 for a full-on securitization audit
[01:48:30.280 --> 01:48:35.280]  And these audits are a really great thing because if you go to a lawyer
[01:48:35.280 --> 01:48:40.280]  And ask them to investigate all this stuff and especially a securitization audit
[01:48:40.280 --> 01:48:45.280]  Because to do a securitization audit you have to have what's called a Bloomberg Terminal
[01:48:45.280 --> 01:48:51.280]  Or an ABS net terminal and subscribe to their service and it's pretty expensive
[01:48:51.280 --> 01:48:59.280]  And for a lawyer to charge you by the hour to do all this research would cost thousands and thousands of dollars
[01:48:59.280 --> 01:49:03.280]  But the loan audit companies, this is all they do
[01:49:03.280 --> 01:49:11.280]  So they can be very efficient, they have systems set up to do this that are very efficient
[01:49:11.280 --> 01:49:17.280]  And because they do a lot of them and that's all they do, they can afford to charge a lot less
[01:49:17.280 --> 01:49:20.280]  And they're great things
[01:49:20.280 --> 01:49:27.280]  But you'll notice if you use Google Loan Audit or Mortgage Loan Audit or Forensic Loan Audit
[01:49:27.280 --> 01:49:36.280]  One of the first things that will come up is a page by the Federal Trade Commission, the FTC
[01:49:36.280 --> 01:49:41.280]  And they basically say loan audits are scams
[01:49:41.280 --> 01:49:53.280]  And you'll find hundreds and hundreds of other hits by state governments and federal governments and agencies
[01:49:53.280 --> 01:49:56.280]  Saying loan audits are scams
[01:49:56.280 --> 01:50:05.280]  And the reason they do that is because the government is the one that originated and promulgates securitization
[01:50:05.280 --> 01:50:15.280]  And it's so deeply embedded in the system that if you ever tried to make any major changes to it, it would cause a financial collapse
[01:50:15.280 --> 01:50:21.280]  And they don't want anybody to know about that, they don't want these securitization audits
[01:50:21.280 --> 01:50:30.280]  And they go around shutting down all these audit companies, the biggest was certified forensic loan auditors, CFLA Andrew Lehman
[01:50:30.280 --> 01:50:34.280]  And he was providing a very valuable service
[01:50:34.280 --> 01:50:47.280]  And they shut them down, and if you read the Consumer Financial Protection Bureau's complaint, it makes no sense, it's obvious that they were making things up
[01:50:47.280 --> 01:50:53.280]  And they shut these loan audit companies down as fast as they can
[01:50:53.280 --> 01:50:59.280]  And it's really because they want to keep their wrongdoing secret, and it's horrible
[01:50:59.280 --> 01:51:05.280]  Is that because they're behind the FHA loans or that angle?
[01:51:05.280 --> 01:51:21.280]  Right, Ginny May created the first securitized loan, and Fannie and Freddie securitized loans, and are involved in the system, and all debts, all loans are securitized
[01:51:21.280 --> 01:51:29.280]  And so if you try to fix that and change it in a major way, the whole system will collapse
[01:51:29.280 --> 01:51:34.280]  And that's what happened in 2008, it came close to collapsing
[01:51:34.280 --> 01:51:44.280]  And if you look on the internet, you'll see that securitization is credited with having caused that collapse
[01:51:44.280 --> 01:51:50.280]  So why haven't they shut down fraud stoppers? They shut down this other guy, Andrew
[01:51:50.280 --> 01:51:53.280]  They tried
[01:51:53.280 --> 01:52:01.280]  They tried to shut them down, and they couldn't because Frank did something really brilliant
[01:52:01.280 --> 01:52:07.280]  Fraud stoppers is a private club, a private association
[01:52:07.280 --> 01:52:13.280]  So they can exchange any kind of information they want among members
[01:52:13.280 --> 01:52:21.280]  And the United States Supreme Court, in a bunch of cases with the NAACP, said you can't do anything
[01:52:21.280 --> 01:52:25.280]  We're a private association, we can talk about anything we want with our members
[01:52:25.280 --> 01:52:31.280]  We can give our members legal advice without being lawyers
[01:52:31.280 --> 01:52:36.280]  The complaint against fraud stoppers was practicing law without a license
[01:52:36.280 --> 01:52:41.280]  Because they have a lot of information on their website, and if you join for...
[01:52:41.280 --> 01:52:48.280]  I'm probably not getting the price right, it's probably $259 or $295
[01:52:48.280 --> 01:52:56.280]  You get a bunch of legal information, and the Illinois bar came in and tried to shut them down
[01:52:56.280 --> 01:53:09.280]  And the owner of Fraud Stoppers, Frank, wrote this long letter and attached all the United States Supreme Court cases saying you can't do this, we're a private club
[01:53:09.280 --> 01:53:21.280]  We can give legal advice to anybody we want to, and here's the law, and the Illinois bar backed off
[01:53:21.280 --> 01:53:24.280]  It has been...
[01:53:24.280 --> 01:53:38.280]  The number one reason lawyers get suspended and disbarred and disciplined by the bar are the ones who are trying to help homeowners, the consumer lawyers
[01:53:38.280 --> 01:53:50.280]  They've gone after every one of them, they went after Neil Garfield, who I know very well, they couldn't find anything, so they just made up this little bit of nonsense
[01:53:50.280 --> 01:53:56.280]  Any lawyer that really becomes successful at beating the banks, they become a target
[01:53:56.280 --> 01:54:02.280]  The lawyers and the audit companies
[01:54:02.280 --> 01:54:10.280]  It's been my opinion for a long time that the consumer protection laws are all a scam
[01:54:10.280 --> 01:54:20.280]  No, the consumer protection laws, the Truth and Lending Act and the Real Estate Settlement Procedures Act, and HOPE are very powerful laws
[01:54:20.280 --> 01:54:29.280]  They were enacted by people like Barney Frank and other liberal Democrats who tried to protect consumers, and they're very powerful laws
[01:54:29.280 --> 01:54:47.280]  What they do is set time limits in generally a year, and very low, like a thousand dollar fines, everything I find in the consumer protection laws, I find in UCC, the law contracts
[01:54:47.280 --> 01:55:03.280]  There are many issues, except the time limits on making a claim under UCC are much, much longer, and the limits on how much you can recover is, they're not specifically limited in UCC
[01:55:03.280 --> 01:55:07.280]  They send us to a place where we're easy to manage
[01:55:07.280 --> 01:55:15.280]  And that's a personal opinion, I know I use these laws, but everything that's there we can do with UCC
[01:55:15.280 --> 01:55:26.280]  Well, the bank's lawyers and the lobbies got a lot of restrictions, you're right, putting these laws, limiting damages, putting in time limits to bring claims
[01:55:26.280 --> 01:55:31.280]  But there are ways to get around those time limits, there are lots of ways
[01:55:31.280 --> 01:55:37.280]  And these laws can be very powerful, but you're right, there are a lot of other laws
[01:55:37.280 --> 01:55:51.280]  The UCC is really the law of contracts that's been codified, and this can come down to basic contract law, the law of lawyers learning law school
[01:55:51.280 --> 01:56:04.280]  That says you have to have a valid contract with somebody for them to collect money from you, it's common sense, you don't have to be a law student or a lawyer to know that
[01:56:04.280 --> 01:56:08.280]  And that's basically what the UCC says
[01:56:08.280 --> 01:56:22.280]  And all these real estate contracts have to be in writing, the promissory note is in writing, the mortgage or the trustee is in writing, everything has to be in writing, it has to be a written contract
[01:56:22.280 --> 01:56:27.280]  And it has to be valid, to be enforceable
[01:56:27.280 --> 01:56:34.280]  A lot of the law is common sense, and that's the way you have to approach judges
[01:56:34.280 --> 01:56:39.280]  And that's the kind of language you have to use
[01:56:39.280 --> 01:56:49.280]  Look judge, basic contract law we all learned in law school, and they have a special course in law school called the Uniform Commercial Code
[01:56:49.280 --> 01:57:06.280]  Some law school that's required, some it's an elective, but everybody studies it, everybody knows it, and it provides the basic laws of contract
[01:57:06.280 --> 01:57:12.280]  So the difficult part is finding the particular laws that you need when you need them
[01:57:12.280 --> 01:57:17.280]  You mentioned how the laws are really common sense
[01:57:17.280 --> 01:57:25.280]  I do a radio show on legal reform and I have people calling in and they think I have all these codes memorized
[01:57:25.280 --> 01:57:33.280]  No I don't, I pretty well have common sense, and in all my research in law the one thing I have found consistent
[01:57:33.280 --> 01:57:43.280]  If a reasonable person of ordinary prudence looks at something and it's clear that there should be a law addressing that issue
[01:57:43.280 --> 01:57:48.280]  You can be pretty certain there is
[01:57:48.280 --> 01:57:53.280]  All you have to do is figure out how to go look for it
[01:57:53.280 --> 01:58:01.280]  And just use good common sense and you won't have near as much problem finding the law that you need
[01:58:01.280 --> 01:58:08.280]  Because, especially Texas, we have the best body of law of any state I've ever looked at
[01:58:08.280 --> 01:58:16.280]  There is not a remedy I have ever needed that I didn't find written into the laws in the state of Texas
[01:58:16.280 --> 01:58:18.280]  Most states are very similar
[01:58:18.280 --> 01:58:23.280]  Hang on, go into our sponsors Randy Kelkin, Brett Fountain, we have our radio
[01:58:23.280 --> 01:58:27.280]  I call in number 512-646-1984
[01:58:27.280 --> 01:58:34.280]  We will keep the call lines open all night, so if you have a question or comment, give us a call
[01:58:34.280 --> 01:58:39.280]  We'll be right back
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