Category Archives: Commercial Developement

Filing a UCC1 With the Treasury Department and Redeeming Strawman Account

Learn about Strawman accounts and how to file a UCC1 with the Treasure Department

Source: Filing a UCC1 With the Treasury Department and Redeeming Strawman Account – hubpages.com 

United States Strawman UCC/Redemption Process (A Study)

UCC/Redemption Process

There are numerous views and theories held by supporters and deniers of the process known as “UCC/Redemption.” This study will look at some of the main subjects that are discussed about the redemption process. There are various contingents involved, as well as facts that have been disclosed by different sources concerning the information.

  • What is a birth certificate. Is it a negotiable instrument?
  • Is it a promissory note?
  • Does it have commercial value? Is it a transactional instrument? if so what was our value at birth?
  • Is the birth certificate that is kept on record at your local County and/or State a contract?
  • Does your birth certificate give the state, and tragically in the end, the federal government control over all past, present, and future transactions which the individual named on a birth certificate enters?

What Is the UCC Redemption Process?

Will the filing of an uniform commercial code (UCC) financing statement, addendum and/or change statement/amendment include all transactions, civil matters, as well as any criminal activity?

If a person follows the UCC redemption process steps will they gain any actual value through the federal government? Will there have to be some value given in return?

Or is the entire UCC redemption process a deceptive maneuver, or trick, that will only bring about greater retaliation by the government agencies upon individuals associated with the process.

The majority of lawyers view the entire UCC process only in terms of litigation, and adjudication. The truth is that UCC is legislated by administrative law that systematizes the rules for all commercial transactions between nations, states, and even between individuals.

The courts do acknowledge that they do not possess either the authority or jurisdiction to alter or nullify any of the articles of the UCC. The courts will only consider those gray areas as to “Who holds the superior position”?

The party that filed the UCC first, or the one who consummated it first? The courts have addressed, and determined in specific situations, what can be thought of as a fixture as it is relative to real property under the “Uniform Commercial Code.”

The UCC Financing Statement

Once a person files a UCC form, and it is registered by a state’s UCC office, the filing of that document becomes a legal document. It becomes part of the public record. The person that filed the document is the secured party when it comes to the UCC filing.

This is a fact of legal procedures.

The UCC department employees of each state become the curators and are compelled to follow very specific procedures and rules. If the UCC filing complies with all the stipulations of those rules and procedures, then by law the document needs to be recorded.

There are minor diversities in the subsections of the UCC from one state to another, and even between counties. For the most part, the majority of the commercial rules and procedures will be the same globally. They will be uniform. Hence the title of Uniform Commercial Code.

Every state within the United States has UCC filing offices. There are offices in every U.S. territory and protectorates of the U.S. There are even UCC filing offices established in foreign nations. It is an administrative action when an UCC form is filed, accepted, and recorded by the UCC office. It will be stamped with a file number, date, hour, and the exact minute of filing.

The UCC financing statement (UCC-1) commissions a secured party’s status in a commercial transaction allowed by the articles of the UCC, as well as assorted sections of the United States Code that deal primarily with property.

After a secured party files a UCC form, it becomes part of the public record, that a secured and vested interest is holding a superior claim over any and all other parties who have an interest, but all who file after the secured party must acknowledge the preexisting position.

The secured party may make changes to the UCC financing statement (UCC-1), if they file an Amendment (UCC-3) which makes reference to the original UCC that was filed. Do not mistake the facts. The UCC deals only with secured or vested interest.

However, the facts are clear. The UCC deals with secured, vested interest, and/or the possession of the property. It does not deal with the title at all. The title is a different discussion.

Birth Certificates

The first question to discuss is the question of the birth certificate.

  • Is it an instrument of commerce?
  • Is it a promissory note?
  • Does it have any actual commercial value?

The answer to each of these questions is NO, or at least it should be!

When a child is born, a document is prepared which is an authorization to produce a Certificate of Live Birth. The parents and/or the doctor are given an application which is ultimately a commercial contract. They will endorse as to their witnessing the creation of both the child, and a commercial document.

The document created at birth is an application for a Federal Certificate of Live Birth. It is evidence that there has been a commercial contract set up. This contract establishes the freeborn child to a status of “ward of the state.”

In a few weeks, the actual Certificate of Live Birth, which was based on the application, is handed over to and filed in Washington D.C. The Certificate of Live Birth is a bonded instrument. On the reverse of the certificate is a single letter (A-N) followed by eight numbers. In recent times the same serial number of the bond is stamped on the back of a Social Security Card.

The second thing to discuss is the original birth certificate itself, which is prepared in the county of your birth, at the time of birth.

Is it a contract, giving the state control over everything associated with the individual named on the certificate?

No.

The document prepared at birth is not a contract. It has no commercial value. This birth record is evidence that a live birth has transpired. This information is then disseminated throughout the various federal, state, and county district levels. It is irrefutable evidence that a living, breathing, person was born, and its existence would be registered.

Even those born on foreign soil are registered with either a certificate of naturalization, citizenship, or some other type of document which gives them authorization to remain in residence in the country. It is public agencies that specify the name on the document to be an actual person, not just a commercial entity.

How Does a Birth Certificate Have Value?

It is not the birth certificate that has value. It is the bond on a commercial entity. At the time of registration, the Corporation of the United States, through its Treasury Department, creates a bond. This bond is also known by the human’s name in capital letters. It is a strawman that is created to be used in all legal and financial matters. More on this later.

The bond number itself can be found on the actual Certificate of Live Birth, on the back of the document. Once the county birth record is received by the federal government, the bond is created. Once both of these actions occur, the federal government releases the Certificate of Live Birth announcing the creation of a new revenue source. The value of the bond is based on the power of the state to tax the future wealth, and property, of the human being named on the document.

There have been some prints of Individual Master Files (IMF) that show the bond placed on the newborn having a value of around $650.000 dollars. There is a catch, however. Any profit which is created by the investment during the life, right up to the death of the individual, of every living, breathing, male or female, remains the property of the state. All property is considered to be owned by the Corporation of the United States. This is easily seen by the seizures without due process which occur daily.

Federal Reserve Act of 1913

One of the most crucial years in the history of the United States, both for the government and American citizens was the year of 1933. It was only a mere twenty years after the passage of the Federal Reserve Act in 1913 by Congress for the Corporation of the United States. The nation was buried in debt and had a serious lack of financial resources.

The foreign bankers served notice of this fact to the government of the United States. The Roosevelt administration reacted between January and July of 1933. Since 1933, every birth or naturalization record for every citizen of The United States is filed in the official records in Washington D.C. This also turns all property and every asset belonging to every living, breathing United States citizen into collateral for the national debt.

There has been information supposedly received from several government agencies which state that the filed Certificate of Live Birth documents have actual instructions on the reverse of the certificate stating who, and in what time frame the document should be created and delivered.

The first to receive the document is the County Health Commissioner. Next in line would be the Secretary of State. The final copy is received by the Department of Commerce even though the documents themselves are not kept in their offices.

The time frame for each Certificate of Live Birth to be filed in D.C. is seventeen days. There is even evidence of a Federal Children Department which was established by the passage of the Shepherd/Townsend Act of 1922 under the Department of Commerce that is somehow affiliated with this process.

There have been IMF’s that track commercial activity in the billions attached to individuals earning around fifty thousand dollars a year. The government is utilizing both their name and assets to trade in drugs, crude oil and various other commodities. This just proves that all property, both real and private property of every living, breathing American, is entrusted by Congress to provide collateral for the national debt.

During the year 1933, the Congress handed over control of all the post offices to the Secretary of the Treasury. Why would they do this? That is why the revenue is delivered to the government on April fifteenth.

If you research the Congressional Records of 1933 you will understand how the office of the Secretary of the Treasury is actually in control of the financial office of the Corporation of the United States. This office is in control of all revenue to the United States to make sure that the creditors (bankers) who actually own the federal reserve will be repaid all monies owed.

The Secured Party Applicant Has to be Filed in the State or Region of Their Birth

The government states that well over twenty-five million UCC financing statements have already been filed with UCC offices throughout the United States. Related commercial documents have been forwarded to the Secretary of the Treasury.

These facts have been gathered through information acquired through the CID of the IRS, FBI, Secret Service, Justice Department, the Department of the Treasury and the Secretary of State. They have all confessed that not one single properly filed UCC Form has been turned down or prosecuted under any criminal laws.

There have been revisions to the UCC Articles, especially IX, that states that the UCC financing statement of the secured party applicant has to be filed in the region or state of their birth. When the file is recorded with the Secretary of the Treasury, it must include a Charge-Back Instruction Notice, a 1040 ES form combined with a birth certificate.

The Secretary of the Treasury is the other party that holds an Interest. The Secured Party also needs to file a UCC financing statement and addendum with the UCC office in the state that the person resides in, in order to protect any property there.

People at the Treasury Department Analysis and Control Division of the IRS where they keep the files claim that the birth certificate does not have commercial value. They do however admit that the Certificates of Live Births are real and are kept on file.

Others have declared that the Application for the Birth Certificate actually does have commercial value, which is determined by the ability of the government to tax any future earnings of the individual named on the documents. The applications are not kept on file in D.C. itself. Some claim they are filed in Puerto Rico, and others claim it is Switzerland.

National UCC Administration

There is a National UCC Administration which the states, the Protectorates and the District of Columbia have formed. The United States has been partitioned into six UCC regions. If one of the UCC offices in a particular region does not accept a properly prepared UCC, another office within that region will. A person can have a regional filing recorded within a region or state and have it maintain the same thing as filing within their state of birth.

A person born outside of the United States, but who is still allowed to reside here and receive a social security card, can still file a UCC form in whatever state or region in which they were living when they received permission to live and remain here. It appears that the UCC as well as other paperwork that is required to be filed with the birth state or region are all logged in the mail room at 1500 Pennsylvania NW, Washington, D.C.

This is the address of the Analysis and Control Division of the IRS. The documents are examined by the Secret Service, the FBI and Justice Department. The documents are known at the analysis and control division as “UCC contract trusts.”

UCC Contract Trusts and Direct Treasury Accounts

There is a significant difference between the UCC contract trusts and direct treasury accounts which are used primarily for the trading of treasury bonds, which are managed by the bureau of public debt. There are many UCC and bill of exchange documents that arrive at 1500 Pennsylvania Ave NW that are mistakenly sent to the BPD.

The mistake that many people who file UCC forms make is a reference to the Treasury Direct or Direct Treasury account within their paperwork. Within the Analysis and Control Division inside the IRS Building in DC, UCC Contract Trusts are processed and then the documents are forwarded to one of the two IRS centers.

If you file east of the Mississippi, the documents are sent to Cincinnati, Ohio. If you file west of the Mississippi, they forward them to Fresno, California. Your UCC files and documents are going to be scrutinized by the Secret Service, the Justice Department, FBI, then sent to the CID. It is also sent to the IRS Technical Support Division (TSD) within the state in which the Secured Party started the discharge.

IRS Technical Support Division (TSD)

Here are some important points to know concerning the administration and purpose of the TSD!

  1. Almost every single Financial Institution which is connected to the Federal Reserve System has registered or contracted access to an account with the IRS called a Treasury Tax and Loan account (TTL).
  2. This TTL account in every Financial Institution is managed through the TSD office which can be found within most of the IRS State Offices. Because of this, IRS reconstruction the Technical Support Manager (TSM) in every State Divisional Office of the IRS has been given the same authority once held by the District Director.
  3. When a Notice of Levy/Lien is delivered to a Financial Institution by the IRS, the Financial Institution simply responds by making an entry in their computer. This simple action transfers the asset from the person who made the Deposit into an IRS TTL account. This means that the Asset never actually physically leaves their office. There are some Financial Institutions that do not maintain a TTL account. They simply hold the funds for twenty one days before transferring the amount directly to the Internal Revenue Service.
  4. When a Financial Institution receives a “Release of Levy/Lien” from the IRS the Financial Institution makes a simple computer entry and the funds are transferred from the TTL account into the account of the depositor if it is applicable. If a UCC form is prepared properly and filed with the Bank can be an Administrative Obstruction Action in which a Secured Party can use to show a prior and superior claim to those assets on deposit.
  5. There are certain Banks that will not will accept UCC Documents. Do not use one of these banks but find one that will accept the form and deposit your funds there.

Correct Way to Have Claims Discharged

The way to correctly have claims discharged with the IRS as well as in the public sector using the UCC contract trust is to present by the secured party a bonded registered Bill of Exchange, and this needs to be sent straight to the Secretary of the Treasury.

When a claim is made either by the IRS, a federal or state taxing agency, the claim can then have a stamp imprinted upon it stating “Accepted For Value”. This needs to be done by the secured party and it must be sent through Certified (or Registered) mail directly to the Secretary of the Treasury to be discharged.

This is documented and authorized through public policy:

HJR-192, Title IV, Sec. 401 of the Federal Reserve Act, the Supreme Court’s confirmation in Guaranty Trust of New York vs. Henwood, et al (1939) and Public Law 73-10. Such action is further confirmed in USC Title XII, Title XXVIII, Sec. 1641, 3002 and the Foreign Sovereign Immunity Act.

Getting back to the supposed value of the birth certificate this is the facts as I ascertained them.

The number of birth certificates that are referenced in UCC financing statements that have been stamped and filed in the state UCC filing offices is in the hundreds of thousands. Under the revised version of Article (Chapter) IX of the UCC (July 1, 2001) such filers had until June 30, 2002 to refile the UCC-1 within their state of birth.

If they reference their original filing, they could maintain the original date of filing which would then be filed with the Secretary of the Treasury. If this is not done by July 1, 2002, it would result in the loss of their original filing date and also their status as the secured party by the Secretary of the Treasury.

Department of Treasury Admits That Millions of UCC Financing Statements Have Been Filed

The Department of the Treasury admits that there are millions of UCC filings by secured parties which have been diverted to the Analysis and Control Division of the IRS in Washington D.C.

Nobody that I am aware of has ever had criminal charges brought against them that resulted in a prosecution. There are many that do not get processed because they were not complete or filed properly.

This shows that those people who have followed the correct procedures in filing their UCC documents using the redemption process have not committed any crime. This goes for prosecution by the Department of the Treasury, the Secret Service, the Department of Justice or the IRS.

Will Filing UCC Financing Statements and Change/Amendments Cover All Commercial Activity, Civil Cases, and Also Criminal Actions?

Government sources claim that all commercial activity in the United States and other countries fall under the legislated (Administrative) Law which is also called the Uniform Commercial Code. Once processed through the Federal Reserve System and/or the Department of the Treasury, these transactions are bonded.

Although the Court System claims to have Jurisdiction over Commercial Transactions that seem to break criminal laws, in reality the UCC Articles on their own are Administrative Law and do not fall under any jurisdiction of the courts or to litigation.

The Bond Number On Your Certificate Of Live Birth Is Also Stamped On Federal Reserve Notes

When an application and Certificate of Live Birth is delivered to the Department of the Treasury in Washington, D.C., that certificate becomes bonded. There is an account produced which we know as the Social Security Number. This means there are funds borrowed against these accounts.

The credit approved on paper is then invested in stocks and bonds. The Bureau of Engraving states that even the Federal Reserve uses the bond number which is stamped on the Certificate of Live Birth as it is also stamped on the Federal Reserve notes themselves. The bond number has one letter from (A-N) which is followed by eight numbers. You will notice recently printed social security cards are now also printed with the bond number on the back in red ink.

It is a fact that every single living, breathing human being in the United States is bonded and used in commercial activities by the Corporation of the United States which has received them.

People who have properly and correctly filed within their birth state or UCC region will create a completely separate entity or a Secured Party completely separate from their government created debtor. This is the strawman.

When the filing and the instruction order (the Chargeback) the IRS 1040 ES form, the AFV stamped birth certificate lets the Secretary of the Treasury know that the secured party has been created with a prior and superior claim to all the assets and liabilities of the debtor.

These liabilities should be forwarded to the Secretary to be processed and discharged through the UCC Contract Trust.

There Are More and More States That Are Now Accepting the UCC Financing Statement and Addendum

There are more and more states that are now accepting the UCC financing statement and addendum. I have not heard of one state that has sought prosecution for any filing as being illegal, civil or criminal.

There are a few states that are still trying to figure out what to do with the revised UCC Code (July 1, 2001). There are several counties that have no provisions for the perfecting of the UCC filing under Article 9-333(a) as a Possessory Lien. When 9-333(a) was included it was the first time an UCC had a form of lien by name included in the filing.

Is the Redemption Process an Attempt to Gain Something for Nothing from the Treasury Department?

After June of 1933 the international financiers who are the actual owners of the Federal Reserve system took ownership and control over all private and real property. This was done with the permission of Congress, and an executive order signed by the President.

By instituting your person to the status of the secured party for the government created entity listed on the Certificate of Live Birth is not the same thing as getting “something for nothing.”

These procedures set up by the government were put in place so that the secured party could reclaim a part of what is rightfully theirs under the U.S. Constitution. Congress made provision beginning in the early 1900s for every minor to reinstate their status as an American under the U.S. Constitution when they became of age. You were a minor when the original contract (Application) was entered into by your parents. These provisions were scattered throughout various legislative acts, joint resolutions and executive orders, many in 1933, as well as in the Congressional Record based on Public Policy HJR-192, codified in Public Law 73-10 and confirmed by the U.S. Supreme Court in 1939. See Guarantee Trust of New York v. Henwood, et al.

By these placement actions the government has kept the details so vague and hard to reference that no person could remedy himself without persistent research. There was not until recently very many people who even knew that these procedures existed.

The most important part of the redemption of your strawman is filing your UCC with the birth state or UCC regional office, the Secretary of the Treasury. Filing in the state of residence is required to the redemption process.

The International Monetary Fund using the Secretary of the Treasury as its representative, and using the Federal Reserve and the ability of the IRS to collect revenue has virtual control over every single citizens assets.

Once the secured party uses the UCC/Redemption they will create the right to reverse this control over the government created Debtor (Strawman). What the secured party accomplishes with this is to put themselves on the same level as the Secretary of the Treasury and this will lead to taking back the control over their own assets.

Is This Just a “Get Rich Quick Scheme?”

A properly prepared and correctly filed UCC filing will ensure in the future to protect the property and assets of the secured party. These filings will make it clear that there is a legal and vested interest control of the secured party. You will not have to deal in Court jurisdictions and stay out of the area of controversy.

But does the redemption process entail a simple “Get Rich Quick Scheme” that will only end up with the filer coming under closer scrutiny by the government against those who participate in a UCC filing?

Under the UCC/Redemption Process, the secured party does not obtain the actual application for a Certificate of Live Birth. This means that the process is only to be used for an “Accepted For Value” answer to any commercial claim.

If a written and contracted claim is received by the debtor (Strawman), it can be accepted for value by the secured party. The claim can then be discharged when the proper documents are forwarded through the Secretary of the Treasury to the UCC contract trust which remains filed with the Analysis and Control Division of the IRS.

There are many people who have tried to sidestep or manipulate this fact just to find that law enforcement as well as the courts will be more than happy to enforce and adjudicate. IRS-CID and FBI are very quickly able to use threats and intimidation to unlawfully dissuade what only the courts of law should decide upon.

The Internal Revenue Service Has Increased Its Use of Illegal Threats and Intimidation

The Department of the Treasury employees make it quite clear that they will not accept or perform any actions to faxed orders, telephoned or wired instructions. It must be hard-copies that are original in both signature and any forms or documents. These documents must be delivered by certified (or registered) mail and must be filed with both the state of residence as well as the Secretary of the Treasury.

The Internal Revenue Service has increased its use of illegal threats and intimidation. They use the FBI to aid them in their attempts to admonish and stop the presentments of any Bill of Exchange documents delivered by the secured party to the secretary.

This does not mean that properly presented and prepared negotiable instruments from a legitimate Secured Party should and can be legally processed under law through local financial institutions by the person making the claim. This is done through the Secretary of the Treasury and recorded by the financial institution through the Treasury tax and loan (TTL) account.

There are some employees at the Department of the Treasury who continue to misdirect many of the documents that is presented by a secured party to the Secretary of the Treasury by mislabeling them as Treasury Securities (they are not Treasury Securities). Then they are forwarded to the Bureau of Public Debt rather then sending them to the Analysis and Control Division of the IRS and the UCC Contract Trust.

“We the People” Are Continuing to Gain Knowledge and Information

From what I have been able to learn, the discharge of claims in the public sector whether federal or state claims, issued by the Internal Revenue Service are easily discharged with a simple computer entry and transfer of credit and debt through the computer using the IRS Technical Support Division.

There is verification that this process has come from the Special Procedure Handling Offices of the IRS. When a secured party utilizes the Uniform Commercial Code correctly, the field is leveled as it pertains to the degree of commercial transactions.

Despite the blockage of information as well as being told false information “We The People” are continuing to gain knowledge and information regardless of being the target of threats and blackmail.

“You shall know the truth and the truth will set you free.”

All that is required to allow evil to flourish is that too many good men do nothing.

— Edmund Burke

It seems that over twenty five million Americans have successfully redeemed their strawman and achieved access to their strawman trust account before 26 May 2003. It is rumored that many of these twenty five million were political insiders like politicians, judges, lawyers, corporate executives, senior military, secret service and security services personnel and their families and others who are implicated in the establishment and the maintaining in this fictional and fraudulent system, a system that has been used to abuse the mass population of the United States for over seventy years prior to 2003.

That averages out to over three hundred and fifty seven thousand people who found a way around this ruse every year. Surely the number of people filing UCC financing statements have risen dramatically since 2003. Since the true knowledge of this process is making its way out to the United States population, the number of people filing has incrementally increased.

It seems that if twenty five million Americans knew that this was a scam for well over seventy years, yet not one broke their silence to make the rest of us aware of the charade. Then it is safe to assume that these people were part of the conspiracy about the fraud perpetrated against the American people.

The amount of people who took part in this process while remaining silent explains why this web of lies has been held in in place for so many years. Enormous numbers of people on the inside who had knowledge of the truth and received benefits from it explains the slight possibility that they might divulge some of the details about the scam by releasing anonymous details without putting themselves in great danger if they were careful about remaining anonymous while they did so.

There is an old saying by Edmund Burke (1729 – 1797):

‘All that is required to allow evil to flourish is that too many good men do nothing.’

I believe that most people will do nothing to redeem themselves simply because they believe they are better off being property of the state and that being held responsible for a government-created strawman is just fine with them.

That is the reason that this deception has endured for so long. Millions of Americans have consciously done nothing to disrupt the status quo even though they knew about the scheme and even benefited from the fraudulent system. Even though they knew the system was enslaving the American people as well as probably enslaving the rest of the world as well.

If This Is Done This Whole Charade of Control and Ownership Will End!

It would probably be safe to assume that the same fraud is being committed against people in the UK, Canada, Australia and other nations in which this system of enslavement was established. This is to say that there were millions of people in other countries outside the United States who have also become part of the conspiracy.

There has been a long time plan by global bankers to create a New World Order. This order would allow those in the order to own the world and everyone and every single thing in it. This conspiracy has been perpetrated by enormous numbers of lemmings and sycophants who thought that in the end they would benefit from the process. If they understood the entire plot or just there small part in it is hard to determine.

It does not seem that many average people who were not part of the conspiracy of this devious system will discover and take advantage of the redemption process The number of average people learning the processes of the redemption process will grow rapidly now that the information is making its way to them via the Internet and other sources.

Once you become aware of this situation, you should do everything in your power to fully understand the process, and pass on your knowledge to others.

If this is done this whole charade of control and ownership will end!

This will end the global financiers plot to create a New World Order that will turn the world’s people into nothing more then slaves serving their global masters.

Beware!

There are many Strawman/redemption scams out there. Do not be fooled by these. Do not pay someone to teach you the process or to file for you.

Do your own research and make sure all the documentation has followed the correct procedures. Also make sure the documents are filled out and filed correctly.

You are responsible for this. This is not a simple process and you will have to educate yourself as to the correct procedures.

If you feel someone is trying to scam you or place liens on your property, my best advice would be to contact your local FBI Office.

Disclaimer

The materials available on this article are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. All are copyrighted properties of the author and may not be used without permission of the author.

Source: Filing a UCC1 With the Treasury Department and Redeeming Strawman Account – hubpages.com

BofA delivers on $7 billion promise to mortgage customers | 2015-02-18 | HousingWire

BofA delivers on $7 billion promise to mortgage customers | 2015-02-18 | HousingWire.

By Brenda Swanson – HousingWire Newsletter

Bank of America (BAC) is starting to deliver on its $7 billion consumer-relief obligations required under its Aug. 20 2014 settlement with the U.S. Department of Justice and six states.

Bank of America failed to make accurate and complete disclosure to investors and its illegal conduct kept investors in the dark,” said Rhea Kemble Dignam, regional director of the SEC’s Atlanta office.  “Requiring an admission of wrongdoing as part of Bank of America’s agreement to resolve the SEC charges filed today provides an additional level of accountability for its violation of the federal securities laws.”

The settlement went on record as the biggest settlement to date, surpassing similar settlements by other banks like JPMorgan Chase (JPM) and Citigroup (C), which reached $13 billion and $7 billion settlements, respectively.

Eric Green, independent monitor of the agreement, stated in the first of his required reports on the bank’s consumer relief activities that the bank claimed a credit of $8,948,684 for the initial batch of 100 first-lien mortgages. This group of 100 mortgages received various modifications – including forgiveness of principal, reduction of interest rates, and bringing delinquent loans current without penalt. The nearly $9 million in credit is how much those modifications cost the bank.

“Examination of the first batch of 100 loans amounts to a test drive, assessing Bank of America’s plan for delivering much-needed assistance to homeowners and its methodology for calculating how the assistance qualifies for credit under the settlement agreement,” Green said.

“The bank is extending relief to tens of thousands of homeowners, and in coming months we should get a clearer picture of how quickly the bank has delivered on its consumer relief obligations, how much of what kind of relief has been delivered, and where relief has been distributed,” he said.

He did note that the first 100 loan modifications are being used mostly to test monitoring standards and procedures but are too small a sample from which to draw all-encompassing conclusions about the consumer relief Bank of America will deliver in the future.

The loan modifications – including forgiveness of principal, reduction of interest rates, and bringing delinquent loans current without penalty – are meant to help struggling homeowners by making their mortgages more affordable.

Bank of America is required to provide $7 billion of consumer relief  by Aug. 31, 2018. The categories of relief include not only loan modifications but new loans to low- and moderate-income borrowers, donations toward community reinvestment and neighborhood stabilization and support for affordable low-income rental housing.

“For many, if not most, Americans, family and the family home are core values, at the center of the lives they hope to live. Owning a family home is the dream. Losing that home is the nightmare,” Professor Green said. “This settlement agreement acknowledges that the bank has committed to do its part to help repair the dream and avert the nightmare for those still in their homes but struggling with their mortgage payments.”

AFFIDAVIT OF TRUTH

AFFIDAVIT OF TRUTH [or Private Status]

This document is for, free men and women of Private Status, fill out and file with their local county recorder’s office…in the same fashion one would change their name. This government – as long as Washington D.C. is a sovereign state and the private, for-profit Federal Reserve controls all money in the USA – acts simply as slave master to either unwitting or willing people.

You never voluntary, intelligently and knowingly asked for a birth certificate, social security number, nor consented to be a “citizen” to the British corporation known as “The United States.” Thus the contract is illegal and non-binding. The only U.S. law which pertains to you: do not harm any other person or steal or damage any other person’s property. That’s it. We are free people and are now exercising our free wills. Arm yourselves and be ready for the REAL American Revolution. The first one simply made us all British subjects.

The USA did not win the so-called “Revolutionary War.”It was simply made a British crown colony (like Australia, Canada, Jamaica, etc.) and “negroes” were affirmed as “property.” King George of England declared himself “Prince of the USA” in 1783. The ORIGINAL 13th Amendment is called the “Titles of Nobility” Amendment, which prohibits any American from declaring themselves a royal title (king, queen, etc.). The amendment is actually still pending in Congress.

“In the name of the most holy and undivided Trinity. It having pleased the Divine Providence to dispose the hearts of the most serene and most potent Prince George the Third, by the grace of God, king of Great Britain, France, and Ireland, defender of the faith, duke of Brunswick and Lunebourg, arch- treasurer and PRINCE ELECTOR of the Holy Roman Empire etc., and of THE UNITED STATES OF AMERICA, to forget all past misunderstandings and differences that have unhappily interrupted [our] good correspondence and friendship…” Paris Peace Treaty 1783.

 

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THE FOLLOWING IS THE TEXT FOR YOUR AFFIDAVIT TO BE FILED:

RECORDING REQUESTED BY, ] AND WHEN RECORDED RETURN TO: ] ] NAME ] STREET/BOX ] CITY ] STATE (SPACE ABOVE THIS LINE FOR RECORDER’S USE ONLY)

AFFIDAVIT OF TRUTH [or Private Status]

Be it known to all courts, governments, and other parties, that I,

 

_______________________________________________________________________,

am a natural, freeborn Sovereign, without subjects. I am neither subject to any entity anywhere, nor is any entity subject to me. I neither dominate anyone, nor am I dominated.

My authority for this statement is the same as it is for all free Sovereigns everywhere: the age-old, timeless, and universal respect for the intrinsic rights, property, freedoms, and responsibilities of the Sovereign Individual.

I am not a “person” when such term is defined in statutes of the United States or statutes of the several states when such definition includes artificial entities. I refuse to be treated as a federally or state created entity which is only capable of exercising certain rights, privileges, or immunities as specifically granted by federal or state governments.

I voluntarily choose to comply with the man-made laws which serve to bring harmony to society, but no such laws, nor their enforcers, have any authority over me. I am not in any jurisdiction, for I am not of subject status.

Consistent with the eternal tradition of natural common law, unless I have harmed or violated someone or their property, I have committed no crime; and am therefore not subject to any penalty.

I act in accordance with the following U.S. Supreme Court case:

“The individual may stand upon his constitutional rights as a citizen. He is entitled to carry on his private business in his own way. His power to contract is unlimited. He owes no such duty [to submit his books and papers for an examination] to the State, since he receives nothing therefrom, beyond the protection of his life and property. His rights are such as existed by the law of the land [Common Law] long antecedent to the organization of the State, and can only be taken from him by due process of law, and in accordance with the Constitution. Among his rights are a refusal to incriminate himself, and the immunity of himself and his property from arrest or seizure except under a warrant of the law. He owes nothing to the public so long as he does not trespass upon their rights.” Hale v. Henkel, 201 U.S. 43 at 47 (1905).

Thus, be it known to all, that I reserve my natural common law right not to be compelled to perform under any contract that I did not enter into knowingly, voluntarily, and intentionally. And furthermore, I do not accept the liability associated with the compelled and pretended “benefit” of any hidden or unrevealed contract or commercial agreement.

As such, the hidden or unrevealed contracts that supposedly create obligations to perform, for persons of subject status, are inapplicable to me, and are null and void. If I have participated in any of the supposed “benefits” associated with these hidden contracts, I have done so under duress, for lack of any other practical alternative. I may have received such “benefits” but I have not accepted them in a manner that binds me to anything.

Any such participation does not constitute “acceptance” in contract law, because of the absence of full disclosure of any valid “offer,” and voluntary consent without misrepresentation or coercion, under contract law. Without a valid voluntary offer and acceptance, knowingly entered into by both parties, there is no “meeting of the minds,” and therefore no valid contract. Any supposed “contract” is therefore void, ab initio.

From my age of consent to the date affixed below I have never signed a contract knowingly, willingly, intelligently, and voluntarily whereby I have waived any of my natural common law rights, and, as such, Take Notice that I revoke, cancel, and make void ab initio my signature on any and all contracts, agreements, forms, or any instrument which may be construed in any way to give any agency or department of any federal or state government authority, venue, or jurisdiction over me.

This position is in accordance with the U.S. Supreme Court decision of Brady v. U.S., 379 U.S. 742 at 748 (1970):

“Waivers of Constitutional Rights not only must be voluntary, they must be knowingly intelligent acts, done with sufficient awareness of the relevant circumstances and consequences.”

Typical examples of such compelled and pretended “benefits” are:

  1. The use of Federal Reserve Notes to discharge my debts. I have used these only because in America, there is no other widely recognized currency.
  2. The use of a bank account, with my signature on the bank signature card. If there is any hidden contract behind the bank signature card, my signature thereon gives no validity to it. The signature is only for verification of identity. I can be obligated to fulfill no hidden or unrevealed contract whatsoever, due to the absence of full disclosure and voluntary consent.Likewise, my use of the bank account thereof is due to the absence of a bank not associated with the Federal Reserve system. In general, people have been prevented from issuing their own currencies, and such prevention is in violation of the United States Constitution. Were there an alternative, I would be happy to use it. To not use any bank at all is impossible or very difficult, as everyone knows, in today’s marketplace.
  3. The use of a Social Security number. The number normally assigned to persons of subject status, I use exceptionally, under duress, only because of the extreme inconvenience of operating without one in today’s marketplace, where it is requested by banks, employers, lenders, and many other government agencies and businesses. My reason for using it is not because I wish to participate in the Social Security system, as I don’t wish to participate. Let it be known that I use the Social Security number assigned to me for information only.
  4. The use of a driver’s license. As a free Sovereign, there is no legal requirement for me to have such a license for travelling in my car. Technically, the unrevealed legal purpose of driver’s licenses is commercial in nature. Since I don’t carry passengers for hire, there is no law requiring me to have a license to travel for my own pleasure and that of my family and friends. However, because of the lack of education of police officers on this matter, should I be stopped for any reason and found to be without a license, it is likely I would be ticketed and fined or obligated to appear in court. Therefore, under duress, I carry a license to avoid extreme inconvenience.
  5. State plates on my car. Similarly, even though technically, my car does not fit the legal definition of a “motor vehicle,” which is used for commercial purposes, nevertheless, I have registered it with the state and carry the state plates on it, because to have any other plates or no plates at all, causes me to run the risk of police officer harassment and extreme inconvenience.
  6. Past tax returns filed. Any tax returns I may have filed in the past, were filed due to the dishonest atmosphere of fear and intimidation created by the Internal Revenue Service (IRS) and the local assessors’ offices; not because there is any law requiring me to do so. Once I discovered that the IRS and other tax agencies have been misinforming the public, I have felt it is my responsible duty to society to terminate my voluntary participation. Because such returns were filed under Threat, Duress, and Coercion (TDC), and no two-way contract was ever signed with full disclosure, there is nothing in any past filing of returns or payments that created any valid contract. Therefore, no legal obligation on my part was ever created.
  7. Birth Certificate. The fact that a birth certificate was granted to me by a local hospital or government agency when I entered this world, is irrelevant to my Sovereignty. No status, high or low, can be assigned to another person through a piece of paper, without the recipient’s full knowledge and consent. Therefore, such a piece of paper provides date and place information only. It indicates nothing about jurisdiction, nothing about property ownership, nothing about rights, and nothing about subject status. The only documents that can have any legal meaning, as it concerns my status in society, are those which I have signed as an adult, with full knowledge and consent, free from misrepresentation or coercion of any kind.
  8. Marriage license. The acquisition of a marriage license is now being revealed as being necessary only for slaves. The act of a Sovereign such as myself obtaining such a license, through social custom and ignorance of law, has no legal effect in changing my status. This is because any such change in status, if any may be supposed to occur, could happen only through a hidden and unrevealed contract or statute. Since no hidden, unrevealed, and undisclosed information, if it exists, can be lawfully held to be binding, it is null and void.
  9. Children in public school. The attendance of my children in government-supported “public” schools or government-controlled “private” schools does not create any legal tax obligation for me, nor any other legal obligation, because I never signed a contract agreeing to such obligation for the supposed “privilege” of public school attendance.If any of my children have attended government supported “public” or controlled “private” schools, such was done under duress and not out of free will. Be it known that I regard “compulsory state education” as a violation of the Thirteenth Amendment to the U.S. Constitution, which states in relevant part:

    “Neither slavery nor involuntary servitude, except as a punishment for crime whereof the party shall have been duly convicted, shall exist within the United States, or any place subject to their jurisdiction.”

  10. Declaration of Citizenship. Any document I may have ever signed, in which I answered “yes” to the question, “Are you a U.S. citizen?” – cannot be used to compromise my status as a Sovereign, nor obligate me to perform in any manner. This is because without full written disclosure of the definition and consequences of such supposed “citizenship,” provided in a document bearing my signature given freely without misrepresentation or coercion, there can be no legally binding contract.I am not a “United States” citizen subject to its jurisdiction. The United States is an entity created by the U.S. Constitution with jurisdiction as described on the following pages of this Affidavit. I am not a “resident of,” an “inhabitant of,” a “franchise of,” a “subject of,” a “ward of,” the “property of,” the “chattel of,” or “subject to the jurisdiction of” any corporate federal government, corporate state government, corporate county government, corporate city government, or corporate municipal body politic created under the authority of the U.S. Constitution. I am not subject to any legislation, department, or agency created by such authorities, nor to the jurisdiction of any employees, officers, or agents deriving their authority therefrom. Further, I am not a subject of the Administrative and Legislative Article IV Courts of the several states, or Article I Courts of the United States, or bound by precedents of such courts, deriving their jurisdiction from said authorities. Take Notice that I hereby revoke, cancel, and make void ab initio any such instrument or any presumed election made by any of the several states or the United States government or any agency or department thereof, that I am or ever have voluntary elected to be treated as a United States citizen subject to its jurisdiction or a resident of any territory, possession, instrumentality or enclave under the sovereignty or exclusive jurisdiction of any of the several states or of the United States as defined in the U.S. Constitution in Article I, Section 8, Clause 17 and Article IV, Section 3, Clause 2.
  11. Past voter registration. Similarly, since no obligation to perform in any manner was ever revealed in print, as part of the requirements for the supposed “privilege” to vote for government officials, any such registration on my part cannot be legal evidence of any obligation to perform. Likewise, I have granted NO jurisdiction over me, to any political office. It is my inherent right to vote on elections or issues that I feel affect all of society; NOT because I need anyone to rule over me. On the contrary – I have used the voting process only to instruct my public servants what a Citizen and Sovereign would like done.
  12. Use of the 2-letter state code and zip code. My use of the 2-letter state code and zip code in my “address,” which is secretly codified to indicate United States “federal zone” jurisdiction, has no effect whatsoever on my Sovereign status. Simply by receiving or sending “mail” through a quasi-federal messenger service, the postal service, at a location indicated with a 2-letter state code and zip code, cannot place me under federal jurisdiction or obligation. Such a presumption would be ludicrous.I use these codes only for the purposes of information and making it more efficacious for the U.S. Postal Service to deliver my mail.
  13. Use of semantics. There are some immature people with mental imbalances, such as the craving to dominate other people, who masquerade as “government.” Just because they alter definitions of words in the law books to their supposed advantage, doesn’t mean I accept those definitions. The fact that they define the words “person,” “address,” “mail,” “resident,” “motor vehicle,” “driving,” “passenger,” “employee,” “income,” and many others, in ways different from the common usage, so as to be associated with a subject or slave status, means nothing in real life.Because the courts have become entangled in the game of semantics, be it known to all courts and all parties, that if I have ever signed any document or spoken any words on record, using words defined by twists in the law books different from the common usage, there can be no effect whatsoever on my Sovereign status in society thereby, nor can there be created any obligation to perform in any manner, by the mere use of such words. Where the meaning in the common dictionary differs from the meaning in the law dictionary, it is the meaning in common dictionary that prevails, because it is more trustworthy.

Such compelled and supposed “benefits” include, but are not limited to, the aforementioned typical examples. My use of such alleged “benefits” is under duress only, and is with full reservation of all my common law rights. I have waived none of my intrinsic rights and freedoms by my use thereof. Furthermore, my use of such compelled “benefits” may be temporary, until better alternatives become available, practical, and widely recognized.

FEDERAL JURISDICTION

It is further relevant to this Affidavit that any violation of my Rights, Freedom, or Property by the U.S. federal government, or any agent thereof, would be an illegal and unlawful excess, clearly outside the limited boundaries of federal jurisdiction. My understanding is that the jurisdiction of the U.S. federal government is defined by Article I, Section 8, Clause 17 of the U.S. Constitution, quoted as follows:

“The Congress shall have the power . . . To exercise exclusive legislation in all cases whatsoever, over such district (NOT EXCEEDING TEN MILES SQUARE) as may, by cession of particular states and the acceptance of Congress, become the seat of the Government of the United States, [District of Columbia] and to exercise like authority over all places purchased by the consent of the legislature of the state in which the same shall be, for the Erection of Forts, Magazines, Arsenals, dock yards and other needful Buildings; And – To make all laws which shall be necessary and proper for carrying into Execution the foregoing Powers…” [emphasis added]

and Article IV, Section 3, Clause 2:

“The Congress shall have the Power to dispose of and make all needful Rules and Regulations respecting the Territory or other Property belonging to the United States; and nothing in this Constitution shall be so construed as to Prejudice any Claims of the United States, or of any particular State.”

 

The definition of the “United States” being used here, then, is limited to its territories:

1) The District of Columbia

2) Commonwealth of Puerto Rico

3) U.S. Virgin Islands

4) Guam

5) American Samoa

6) Northern Mariana Islands

7) Trust Territory of the Pacific Islands

8 Military bases within the several states

9) Federal agencies within the several states

It does not include the several states themselves, as is confirmed by the following cites:

“We have in our political system a Government of the United States and a government of each of the several States. Each one of these governments is distinct from the others, and each has citizens of its own who owe it allegiance, and whose rights, within its jurisdiction, it must protect. The same person may be at the same time a citizen of the United States and a Citizen of a State, but his rights of citizenship under one of these governments will be different from those he has under the other.” Slaughter House Cases United States vs. Cruikshank, 92 U.S. 542 (1875).

“THE UNITED STATES GOVERNMENT IS A FOREIGN CORPORATION WITH RESPECT TO A STATE.” [emphasis added] Volume 20: Corpus Juris Sec. §1785: NY re: Merriam 36 N.E. 505 1441 S.Ct.1973, 41 L.Ed.287.

This is further confirmed by the following quote from the Internal Revenue Service:

Federal jurisdiction “includes the District of Columbia, the Commonwealth of Puerto Rico, the Virgin Islands, Guam, and American Samoa.” – Internal Revenue Code Section 312(e).

In legal terminology, the word “includes” means “is limited to.”

When referring to this “District” United States, the Internal Revenue Code uses the term “WITHIN” the United States. When referring to the several States, the Internal Revenue Code uses the term “WITHOUT” the United States.

Dozens, perhaps hundreds, of court cases prove that federal jurisdiction is limited to the few federal territory areas above indicated. For example, in two Supreme Court cases, it was decided:

“The laws of Congress in respect to those matters do not extend into the territorial limits of the states, but have force only in the District of Columbia, and other places that are within the exclusive jurisdiction of the national government,” Caha v. United States, 152 U.S., at 215.

“We think a proper examination of this subject will show that the United States never held any municipal sovereignty, jurisdiction, or right of soil in and to the territory, of which Alabama or any of the new States were formed…”

“[B]ecause, the United States have no constitutional capacity to exercise municipal jurisdiction, sovereignty, or eminent domain, within the limits of a State or elsewhere, except in the cases in which it is expressly granted…”

“Alabama is therefore entitled to the sovereignty and jurisdiction over all the territory within her limits, subject to the common law,” Pollard v. Hagan, 44 U.S. 221, 223, 228, 229.

Likewise, Title 18 of the United States Code at §7 specifies that the “territorial jurisdiction” of the United States extends only outside the boundaries of lands belonging to any of the several States.

Therefore, in addition to the fact that no unrevealed federal contract can obligate me to perform in any manner without my fully informed and uncoerced consent, likewise, no federal statutes or regulations apply to me or have any jurisdiction over me. I hereby affirm that I do not reside or work in any federal territory of the “District” United States, and that therefore no U.S. federal government statutes or regulations have any authority over me.

 

POWERS AND CONTRACTUAL OBLIGATIONS OF 

UNITED STATES AND STATE GOVERNMENT OFFICIALS

All United States and State government officials are hereby put on notice that I expect them to have recorded valid Oaths of Office in accordance with the U.S. Constitution, Article VI:

“The Senators and Representatives before mentioned, and the members of the several State Legislatures, and all executive and judicial officers, both of the United States and of the several States, shall be bound by oath or affirmation to support this Constitution…”

I understand that by their Oaths of Office all U.S. and State government officials are contractually bound by the U.S. Constitution as formulated by its framers, and not as “interpreted,” subverted, or corrupted by the U.S. Supreme Court or other courts.

According to the Ninth Amendment to the U.S. Constitution:

“The enumeration in the Constitution of certain rights shall not be construed to deny or disparage others retained by the people.”

and the Tenth Amendment to the U.S. Constitution:

“The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.”

Thus, my understanding from these Amendments is that the powers of all U.S. and State government officials are limited to those specifically granted by the U.S. Constitution.

I further understand that any laws, statutes, ordinances, regulations, rules, and procedures contrary to the U.S. Constitution, as written by its framers, are null and void, as expressed in the Sixteenth American Jurisprudence Second Edition, Section 177:

“The general misconception is that any statute passed by legislators bearing the appearance of law constitutes the law of the land. The U.S. Constitution is the supreme law of the land, and any statute, to be valid, must be in agreement. It is impossible for both the Constitution and a law violating it to be valid; one must prevail. This is succinctly stated as follows:

‘The general rule is that an unconstitutional statute, though having the form and name of law, is in reality no law, but is wholly void, and ineffective for any purpose; since unconstitutionality dates from the time of its enactment, and not merely from the date of the decision so branding it. An unconstitutional law, in legal contemplation, is as inoperative as if it had never been passed. Such a statute leaves the question that it purports to settle just as it would be had the statute not been enacted.’

‘Since an unconstitutional law is void, the general principles follow that it imposes no duties, confers no right, creates no office, bestows no power or authority on anyone, affords no protection, and justifies no acts performed under it…’

‘A void act cannot be legally consistent with a valid one. An unconstitutional law cannot operate to supersede any existing valid law. Indeed, insofar as a statute runs counter to the fundamental law of the land, it is superseded thereby.’

‘No one is bound to obey an unconstitutional law and no courts are bound to enforce it.’” [emphasis added]

and as expressed once again in the U.S. Constitution, Article VI:

“This Constitution, and the laws of the United States which shall be made in pursuance thereof; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land; and the judges in every State shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding.”

All U.S. and State government officials are therefore hereby put on notice that any violations of their contractual obligations to act in accordance with their U.S. Constitution, may result in prosecution to the full extent of the law, as well as the application of all available legal remedies to recover damages suffered by any parties damaged by any actions of U.S. and State government officials in violation of the U.S. Constitution.

REVOCATION OF POWER OF ATTORNEY

Furthermore, I hereby revoke, rescind, and make void ab initio, all powers of attorney, in fact or otherwise, implied in law or otherwise, signed either by me or anyone else, as it pertains to the Social Security number assigned to me, _______________________ as it pertains to my birth certificate, marriage or business license, or any other licenses or certificates issued by any and all government or quasi-governmental entities, due to the use of various elements of fraud by said agencies to attempt to deprive me of my Sovereignty and/or property.

I hereby waive, cancel, repudiate, and refuse to knowingly accept any alleged “benefit” or gratuity associated with any of the aforementioned licenses, numbers, or certificates. I do hereby revoke and rescind all powers of attorney, in fact or otherwise, signed by me or otherwise, implied in law or otherwise, with or without my consent or knowledge, as it pertains to any and all property, real or personal, corporeal or incorporeal, obtained in the past, present, or future. I am the sole and absolute legal owner and possess allodial title to any and all such property.

Take Notice that I also revoke, cancel, and make void ab initio all powers of attorney, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts.

I affirm that all of the foregoing is true and correct. I affirm that I am of lawful age and am competent to make this Affidavit. I hereby affix my own signature to all of the affirmations in this entire document with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.

The use of notary below is for identification only, and such use does NOT grant any jurisdiction to anyone.

FURTHER AFFIANT SAITH NOT.

 

Subscribed and sworn, without prejudice, and with all rights reserved,

(PRINT NAME BELOW)

 

_________________________________________________________________,

Principal, by Special Appearance, in Propria Persona, proceeding Sui Juris.

My Hand and Mark as Subscriber                      (SIGN NAME BELOW)

Date:_____________ Common Law Seal:__________________________________

On this ______day of____________, 19____, before me, the undersigned, a Notary Public in and for _______________________(state), personally appeared the above-signed, known to me to be the one whose name is signed on this instrument, and has acknowledged to me that s/he has executed the same.

Signed:_________________________________________

Printed Name:____________________________________

Date:___________________________________________

My Commission Expires:____________________________

Big banks’ stunning setback: Meet two officials saying no to Bank of America – Salon.com

After relying on out-of-court settlements to skirt big consequences, banks have finally met their match. Here’s why

Big banks’ stunning setback: Meet two officials saying no to Bank of America – Salon.com.

In August, the Justice Department announced a $16.65 billion settlement with Bank of America over the fraudulent sale of mortgage-backed securities (in reality, the cost to the bank is significantly lower). But two months later, one small part of the settlement has not been finalized in federal court: a $135.84 million cash distribution to the Securities and Exchange Commission. The reason for the holdup could raise the stakes for financial institutions that commit fraud, and over time stabilize the system as a whole, simply because two SEC commissioners have dared to try to maintain the consequences for misconduct.

Under current SEC rules, financial firms that settle fraud investigations automatically incur a number of additional penalties. Many of these mandatory actions date back to the creation of the SEC during the Great Depression. The SEC can ban institutions from managing mutual funds, prevent them from working with private companies to find investors, and force SEC approval for any stocks or bonds that the firm issues on its own behalf. These penalties and disqualifications cut into profits, and in many ways can be as damaging as the settlements themselves.

The problem is that these supposedly automatic penalties are routinely waived. Given that the settlements themselves are so porous, this robs the SEC of a critical tool to deter misconduct, by layering on additional costs, and increasing scrutiny of future activities. And the waiver benefits appear to go disproportionately to those firms big enough to hire fancy lawyers and lobbyists. One large financial firm received an astounding 22 waivers in a 10-year period.

Read complete aticle HERE Big banks’ stunning setback: Meet two officials saying no to Bank of America – Salon.com.

RULES TO THE GAME WITH YUSEF EL- TRUST BASICS UNDER THE COMMON LAW 09/29 by High Frequency Radio Network | Education Podcasts

RULES TO THE GAME

1.) THERE IS NO MONEY- There is no Constitutionally sanctioned money for the Republic as enumerated in Article I Section 10 of the Constitution FOR the United States of America. There is only fiat money allowed to be used WITHIN the UNITED STATES CORPORATION.

2.) PUBLIC AND PRIVATE DO NOT MIX- In all of society there is a Public and a Private connected to everything. Learn what this is and DON”T MIX THEM. THEY DON’T EVER MIX THEM SO DON’T YOU EVER MIX THEM.

3.) STAY IN HONOR AT ALL COST.- Dishonor creates obligations. A creditor ALWAYS pays his bills. The United States is YOUR responsibility. Be a responsible creditor.

4.) DO NOT PARTICIPATE IN PUBLIC CONTROVERSY- You are PRIVATE. AS SOON AS YOU OPEN YOUR MOUTH AN ANSWER QUESTIONS IN A PUBLIC VENUE THEN YOU TESTIFY THAT YOU ARE PUBLIC AND FALL UNDER THEIR JURISDICTION. ANYTHING YOU SAY CAN AND WILL BE USED AGAINST YOU.

Learn the RULES OF THE GAME.

via RULES TO THE GAME WITH YUSEF EL- TRUST BASICS UNDER THE COMMON LAW 09/29 by High Frequency Radio Network | Education Podcasts.

The Process by Which Failure is Changed to Success

Excerpt from the “Master Key System”

This is the process by which failure is changed to success. Thoughts of courage, power, inspiration, harmony, are substituted for thoughts of failure, despair, lack, limitation and discord, and as these thoughts take root, the physical tissue is changed and the individual sees life in a new light, old things have actually passed away, all things have become new, he is born again, this time born of the spirit, life has a new meaning for him, he is reconstructed and is filled with joy, confidence, hope, energy. He sees opportunities for success to which he was heretofore blind. He recognizes possibilities which before had no meaning for him. The thoughts of success with which he has been impregnated are radiated to those around him, and they in turn help him onward and upward; he attracts to him new and successful associates, and this in turn changes his environment; so that by this simple exercise of thought, a man changes not only himself, but his environment,
circumstances and conditions.

Charles F. Haanel

Financial HALO

Financial Halo Information:The pace of development increased dramatically this past week for us. A lot of things are now starting to come together and it will only get better each week. Here’s a quick update:

  • MyAcceleratorHalo – Save literally thousands, if not tens of thousands in interest.
  • MyTaxHalo – IRS issues over $12,000 taxes due.
  • MyCreditHalo – Improve credit report scores.
  • MyForexHalo – Fully Robotic Software that trades the Forex Market (remember this runs on an entirely separate web site than Financialhalo.com or .net sites).

 Communication and Information: 

FinancialHalo Enrollment Link at  http://financialhalo.net/hawaii.
FinancialHalo Webinar Replays at  http://financialhaloblog.com/events

Please ensure that you visit the blog to keep informed.

IMPORTANT:  in order to receive updates and announcements by email, you must OPT-IN in at the blog site in order to receive our system email (we will also continue this email format until we are certain most everyone has opted in). You can do this on the blog site; please do so at your soonest possible convenience. There is so much going on and you nor your teams will want to miss a thing.

WEBINAR: Every Saturday 10am pst / 1pm est

Reserve your Webinar seat now.
WEBINAR REGISTRATION AND INVITATION LINKS ARE EMAILED – BE SURE YOU OPT IN TO THE EMAIL FORM ON THIS SITE. 
Click here to register: http://financialhaloblog.com/events

Make Money Now:  Please know that you don’t need to wait until soft-launch & pre-launch to start making money immediately.

We have two Halos representing billion dollar industries waiting for you with MyForexHalo and MyTaxHalo. We introduced MyAcceleratorHalo,d MyCreditHalo, and MySecurityHalo. It may still be beta launch but that doesn’t mean you can’t do business NOW.  Many of you are taking full advantage of our extremely lucrative model and we applaud you for taking the initiative. Every successful business needs a customer acquisition strategy and you now have one. Go for it!

Team Building:  Nothing grows without seeds and to have an ever expanding, dynamic Financial Halo business, you must plant the seeds.In our business, seeds are GUESTS to the webinar or video replays on the blog EVENTS page.  Your business will not grow without guests so we encourage you to commit to get one guest on each webinar. If you want a serious business, you must be serious about building it. Nothing will ever happen without immediate action; the time is now to spread the word about the Financial Halo business opportunity.

FREE Associate Enrollment:  Grandfather Program – $149 Initial Associate Fee is waived for all associates joining by January 31st midnight pst and $99 associate annual renewal fee is waived FOREVER for all associates joining by February 28th, midnight PST.

However, you still may need to OPT in on our blog to ensure you are also in the company list for important updates at http://financialhaloblog.com

Creating a Verified Record as Admissible Evidence!

Creating a Verified Record as Admissible Evidence!

If you are going to file a civil claim or suit against the the bank, in a pending or pre-foreclosure process, you better have proof in the form of verified evidence that your claim is valid. If the bank is filing the claim (as the plaintiff), they have the burden of proof.

You can ensure that the burden of proof remains with the bank, regardless of who files the initial claim! This is done by creating a Record that is admissible as evidence.

The Administrative Processes are being completed right now. You can register now at this time.

Please contact me with any questions that you have regarding the enrollment process, and I will be happy to answer them for you. Contact Greg at 808-969-8188 or Email Me 

Rampant Bank Fraud and Wrongful Foreclosures Extend to the Commercial Real Estate Market

Builders, Commercial Property Owners Often Overlooked As Bank Fraud Victims. 

Agoura Hills, CA (PRWEB) June 27, 2011
“Throughout the United States, reputable builders and commercial property owners have often been overlooked as victims of bank fraud and wrongful foreclosure in the Nation’s ongoing bank crises,” says 35-year trial lawyer and former prosecutor Michael S. Riley of Mitchell J. Stein & Associates LLP.
Mr. Riley, a Senior Partner of Mitchell J. Stein & Associates LLP and former governmental prosecutor for more than a decade, commented further that “the wave of significant and far reaching disclosures of horrible bank schemes against the core of our economy – middle America’s builders and commercial realty owners – are now going to begin hitting the national stage and its judicial system.”
Mitchell J. Stein & Associates LLP sees the problem as a logical one:
“In 2009, we predicted that fraudulent foreclosure practices would be hoisted upon home owners nationwide and the Firm filed suit against Bank of America in behalf of aggrieved Californians on March 12, 2009. This lawsuit (Ronald v. Bank of America) was the first of its kind to be filed nationwide and has since been the shepherd for the Firm’s several other lawsuits against the likes of JP Morgan Chase, Ally Bank (formerly GMAC), Wells Fargo, Onewest (formerly Indymac), U.S. Bank and Citibank. These lawsuits have become commonly known as “Mass Joinders”. Just a few months ago, in April 2011, the Department of Homeland Security, the FDIC, the Office of the Comptroller and other State and Federal Agencies have agreed that at least 14 bank servicers have committed wrongful and “unsafe” foreclosure practices since 2009, i.e., just as the firm predicted in the first quarter of 2009 as evidenced by the filing of Ronald v. Bank of America.
Mitchell J. Stein, founder of Mitchell J. Stein & Associates LLP, continued: “The genuine financial strength of our Nation – hard working middle American builders and commercial real estate owners – have been able to weather the bank storm during the past two years.” But the banks nationwide have “taken advantage of that strength and good faith by making increasingly unreasonable and unlawful credit and collateral demands on American real estate businesses.”
The Firm sees the status quo at a “tipping point,” where “our Country’s builders and developers can no longer accept the banks’ unreasonable demands and business maneuvers based upon chicanery,” said Mr. Stein.

Messrs. Stein and Riley agreed: “We are now seeing an avalanche of bank interactions with seasoned commercial real estate owners, which are downright illegal and disgusting. Banks throughout the country are creating fictitious ‘liquidity crises’ based upon valuation scenarios that exist only in the minds of “kid bankers with calculators and instructions to squeeze.”

The Firm commented that a continuing game played by bank servicers is “purported failure to pay property taxes” that are not owed, and “credit calls” based upon the bank’s unilaterally and non-transparently operated “appraisal desks.”

“No businessman can repeatedly answer surprise bank credit calls that exist on a monthly basis, with virtual automation in their frequency and hostility,” said Mr. Stein. “The banks are appearing in recent months to target those real estate businesses that have the best histories and the largest equity values within in their portfolios. That is what makes the banks begin to act as predatory lenders instead of good and honorable bankers. It is a shame. However, the businesses today are able to fight back.”

Ironically, the Firm sees the arsenal available to the real estate businesses as “the laws that have developed nationally since 2009 – and as a partial result of the Firm’s efforts — as a result of the residential bank foreclosure crises.” These laws are “now giving the real estate businesses a very good chance of halting the banks in their tracks,” according to 25-year bank and finance lawyer Mitchell J. Stein.

Additionally, Mitchell J. Stein & Associates LLP sees alternative sources of financing that the Firm exclusively works with as the “trump card” that may keep the system in check. “Nobody would expect a legitimate and longstanding real estate company to be unable to ultimately attract legitimate and reasonable financing,” given that “the truth about the banks is now, already, well known.”
ABOUT MITCHELL J. STEIN & ASSOCIATES LLP
Based in Agoura Hills, CA, with offices in Walnut Creek, CA, Boca Raton, FL, New York, NY and Chicago, IL, Mitchell J. Stein & Associates LLP is a national law firm with a combined experience among its members and associates of more than 150 years of trial experience in the finance and banking fields, its members having historical experience in representing or being principles in more than 350 banks and financial institutions. The Firm flipped its efforts years ago, and no longer takes on bank business. The Firm concentrates its efforts on representing commercial and residential property owners across the Country during this unparalleled time of unlawful and – according to the United States Government — “unsafe” banking practices nationwide. The Firm can be reached at its website http://www.dobielaw.org, or toll free at (877) 475-2448.

‘Land Banks’ land in region

‘Land Banks’ land in region
Alexander Soule


Under a new land bank model, lawmakers hope to revive development of vacant properties in Bridgeport and other cities. Credit: Jay Gorman
With a new state law, Connecticut municipalities won the right to set up land bank authorities to acquire and assemble properties, including the power to bring an action to quiet title to real property.

It was only the latest attempt to deal with the problem of idling properties in Connecticut; last year, the state General Assembly approved a pilot program in New London allowing the city to tax undeveloped land at a higher rate, with the goal of prodding owners into building out or selling the parcels. In the recently concluded session, there was no effort to expand the bill to other cities like Bridgeport, Norwalk and Stamford that similarly have lots of land awaiting development.

Connecticut has an existing land bank and land trust program on the books that dates to 1987, and which is administered by the state Department of Economic and Community Development. That law reserves grants and loans for developers of housing for lower income families and is limited to nonprofits and cooperatives.

The Connecticut Conference of Municipalities supported the newest bill awarding expanded powers, saying it would promote sound land practices and help cities and towns as they grapple with the foreclosure crisis.

“Abandoned … and foreclosed properties are increasingly dominating neighborhoods and communities across Connecticut,” said Frank Alexander, general counsel for the Center for Community Progress, in testimony on the bill last spring. “Each parcel of vacant and abandoned property no longer yields property tax revenues; each parcel drives down the neighboring property values.”

The New York State Assembly passed similar legislation in mid-June based on a land bank created in 1999 to cover the Flint, Mich., area. Since its inception, the Genesee County Land Bank says it has put properties back on the tax rolls that have generated an additional $10 million in municipal revenue. While 2010 sales reached nearly 425 properties for a total of $2.5 million, its current inventory numbers about 6,500 properties – nearly 4,000 are vacant lots in heavily abandoned areas of Flint and Beecher and nearly 300 abandoned commercial and industrial properties.

The New York bill is designed to allow cities and counties across the state to develop land banks, which would be tasked with converting vacant, abandoned or tax-delinquent properties into productive use. Those properties could be redeveloped or resold in order to better balance the supply of buildings with the local demand for them. The land banks would operate under the New York State Urban Development Corp.

“The volume of available housing stock in western New York has simply overwhelmed our ability to manage it,” said Buffalo Assemblyman Sam Hoyt, in a prepared statement. “It’s time to get a handle on the inventory that exists and start imagining ways to creatively reuse and redevelop that space. A network of land banks gives us the mechanism for doing exactly that.”

In Syracuse alone, officials count about 1,800 vacant properties.

“New York has long needed to address the reckless real estate speculation that is an unintended byproduct of the tax foreclosure process, frequently putting property in the hands of neglectful owners who have little interest in redeveloping or even maintaining the property they purchase,” stated Peter Baynes, executive director of the New York Conference of Mayors. “Land banks have proven to be an integral tool in not only halting this harmful practice, but actually reversing the decades-long trend of property neglect, vacancy and abandonment.”