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9.27.2010

Come To Aeonpi.com

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3.28.2010

Retore America

MONDAY  MARCH 29th, 2010
It is Official !!   Provost Marshalls with 3 de jeur appointed
Guardians will serve Notice to the Governors, Key Staff and
Cabinet Members of all 50 States that this country is immediately
returning to De Jeur Common Law Government of The People.
These public servants have a choice:  Swear an OATH to support the
U.S. Constitution OR be replaced immediately or even Arrested.  Any
failure on their part to comply after 72 hours is considered to be
an act of TREASON.
As of last evening only 3 Governors ( CA,  FL,  NY ) have indicated
their displeasure.  They will either agree OR be replaced on the spot.
Effective immediately all Corporate Jailed Prisoners- - those where
there is NO injured party - - are to be released.  Also ALL mortgage
foreclosures are to STOP.  There IS NOT any reason to continue
making fraudlent monthly payments to banks, mortgage and / or
credit card companies!
There will NOT BE ANY FURTHER PROPERTY TAXES !!!
All States will be able to operate from a Special Fund, and all Sales
Taxes will Remain in the State; i.e., on Gas, Utilities, Services, etc.
The "teeth" of the IRS have been pulled.  They will still exist up until
February of Next year, however they Will Not have any authority over
you NOR will they be able to threaten or fine you.  Therefore YOU DO
NOT NEED TO FILE ANY 1040 OR OTHER FORMS !!!  ABOVE ALL, DO
NOT SEND THEM ANY MONEY.  File only if you have a refund coming.
Do Not Depend on receiving any.
There will be a NEW MONETARY UNIT coming real soon replacing the
FRN's (federal reserve notes) we know as "Dollars" so you would be wise
to Cash out any and all retirement funds / plans that you have.  Remember
there will NOT be any penalties- - IRS is a dead in the water organization.
Buy Silver or Gold plus stock up on extra Water & Food supplies in the
event of a disruption of normal services.  In simple words, PLAN AHEAD!
IF YOU HAVE ANY QUESTIONS, EMAIL ME AND I WILL DO MY BEST TO
TRY TO ANSWER THEM.  jbolton7@cfl.rr.com
Catch Sunday Night 8-10 Eastern SAM KENNEY on RBN radio for updates,
and MONDAY Night 9 Eastern Dave Mack on TalkShoe pin 54318,
Wednesday Night 8:30 pin 45724 & 10:15 pin 46236 also on TalkShoe.
Dial in number is 1-724-444-7444
JIm
 
 
 
"What some folks call impossible is the stuff they haven't seen before."  Robin Williams
"We are the ones we have been waiting for."  Unknown
"Just when the caterpillar thought the world was over it became a butterfly."

3.08.2010

WE ARE HERE

udhr - World Government of World Citizen - Welcome
Thirty spokes share the wheel's hub;
It is the center hole that makes it useful.
Shape clay into a vessel;
It is the space within that makes it useful.
Cut doors and windows for a room;
It is the hole which make it useful.
Therefore profit comes from what is there;
Usefulness from what is not there.


3.06.2010

Taking your life into your hands

If there are images in this attachment, they will not be displayed.  Download the original attachment
Page 1
    
WHERE DOES THE FRAUD BEGIN?

This document is meant to take the reader down a road they have
likely never traveled.  This is a layman’s explanation of what has
been happening in this country that most have no idea or inkling
of.    It  is  intended  to  give  the  reader  an  overview  of  a  systemic
Fraud  in  this  country  that  has  reached  epic  proportions  and
provoke action to eradicate this scourge that has descended upon
the people of America.  Depending on what your situation is, you
may react with disbelief, fear, anger or outright disgust at what you
are about to learn.   The following information is supported with
facts, exhibits, law and is not mere opinion. 
  
      Let’s start our journey of discovery with the purchase of a home
and subsequent steps in the financial process through the life of
the “mortgage loan”.  It all starts at the “closing” where we gather
with  other  people  that  are  “involved”  in  the  process  to  sign  the
documents to purchase our new home.  Do we really know what
goes on at the closing?  Are we ever told who all the participants
are in that entire process?  Are we truly given “full disclosure” of all
the various aspects of that entire transaction regarding what, for
most people, is the single largest purchase they will make in their
entire life?

Page 2
     Let’s start with the very first part of the transaction.  We have a
virtual stack of papers placed in front of us and we are instructed
where  we  are  supposed  to  start  signing  or  initialing  on  those
“closing  documents”.    There  seems  to  be  so  many  different
documents  with  enough  legal  language  that  we  could  read  for
hours just to get through them the first time, much less begin to
fully understand them.  Are we given a copy of all these documents
at least 7 days prior to the closing so we can read and study these
documents so we fully understand what it is that we are signing
and  agreeing  to?    That  has  never  happened  for  the  average
consumer and purchaser of a property in the last 30 years or more
if it ever has at all.  WHY?  We have a stack of documents placed
before us at the “closing” that we haven’t ever seen before and are
instructed where to sign or initial to complete the transaction and
“get our new home”.  We depend on the real estate agent, in most
cases,  to  bring  the  parties  together  at  the  closing  after  we  have
supplied enough financial data and other requested information so
that  the  “lender”  can  determine  whether  we  can  qualify  for  our
“loan”.  Obviously we have the “three day right of rescission” but do
we  really  stop  to  read  all  the  documents  after  we  have  just
purchased  our  home  and  want  to  move  in?    Is  the  thought  that
there might be something wrong with what we have just signed a
primary thought in our mind at that time?  Did we trust the people
involved in the transaction?  Are we naturally focusing on getting
moved into our new home and getting settled with our family?  

Page 3
     Who  are  the  players  involved  in  the  transaction  from  the
perspective of the consumer purchasing a property and signing a
“Mortgage Note” and “Deed” or similar “Security Instrument” at the
closing?  There is, of course, the seller, the real estate agent(s), title
insurance  company,  property  appraiser  who  is  supposed  to
properly  determine  the  value  of  the  property,  and  the  most
obvious  one  being  who  we  believe  to  be  “the  lender”  in  the
transaction.  We are led, by all involved, to believe that we are, in
fact, borrowing money from the “lender” which is then paid to the
current  owner  of  the  property  as  compensation  for  them
relinquishing  any  “claim  of  ownership”  to  the  property  and
transferring that “claim of ownership” to us as the purchaser.  It all
seems so simple and clear on its face and then the transaction is
completed.    After  the  “closing”  everyone  is  all  smiles  and  you
believe you have a new home and have to repay the “lender”, over a
period of years, the money which you believe you have “borrowed”.


IS THERE SOMETHING WE DON’T KNOW?

     Everything appears to be relatively simple and straightforward
but is that really the case?  Could it be that there are other players
involved in this whole transaction that we know nothing about that
have  a  very  substantial  financial  interest  in  what  has  just
occurred?    Could  it  be  that  those  players  that  we  are  totally
unaware  of  have  somehow  used  us  without  our  knowledge  or
Page 4
consent to secure a spectacular financial gain for themselves with
absolutely no investment or risk to themselves whatsoever?  Could
it be that there is a hidden aspect of this whole transaction that is
“standard operating procedure” in an industry where this hidden
“aspect  of  a  transaction”  occurs  every  single  banking  day  across
this country and beyond?  Could it be that this hidden “aspect of a
transaction”  is  a  deliberate  process  to  unjustly  enrich  certain
individuals and entities at the expense of the public as a whole? 
Could it be that there was not full disclosure of the “true nature” of
the  transaction  as  it  actually  occurred  which  is  required  for  a
contract to be valid and enforceable?

THE DOCUMENTS INVOLVED

     The two most important and valuable documents that are signed
at a closing are the “Note” and the “Deed” in various forms.  When
looking at the definition of a “Mortgage Note” it is obvious that it is
a “Security Instrument”.  It is a promise to pay made by the maker
of that “Note”.  When looking at a copy of a “Deed of Trust” such as
the attached Exhibit “A”, which is a template of a Tennessee “Deed
of Trust” form that is directly from the freddiemac.com website, it
is very obvious that this document is also a “Security Instrument”. 
This  is  a  template  that  is  used  for  MOST  government  purchased
loans.    You  will  note  that  the  words  “Security  Instrument”  are
mentioned no less than 90 times in that document.  Is there ANY
doubt it is a “Security”?  When at the closing, the “borrower” is led
Page 5
to believe that the “Mortgage Note” that he signs is a document that
binds  him  to  make  repayment  of  “money”  that  the  “lender”  is
loaning  him  to  purchase  the  property  he  is  acquiring.    Is  there
disclosure to the “borrower” to the effect that the “lender” is not
really loaning any of their money to the “borrower” and therefore
is taking no risk whatsoever in the transaction?  Is it disclosed to
the  “borrower”  that  according  to  FEDERAL  LAW,  banks  are  not
allowed to loan credit and are also not allowed to loan their own or
their depositor’s money?  If that is the case, then how could this
transaction  possibly  take  place?    Where  does  the  money  come
from?  Is there really any money to be loaned?  The answer to this
last question is a resounding NO!  Most people are not aware that
there has been no lawful money since the bankruptcy of the United
States in 1933.

     Since House Joint Resolution 192 (HJR 192) (Public law 73­10)
was passed in 1933 we have only had debt, because all property
and  gold  was  seized  by  the  government  as  collateral  in  the
bankruptcy of the United States.  Most people today would think
they  have  money  in  their  hand  when  they  pull  something  out  of
their pocket and look at the paper that is circulated by the banks
that they have been told is “money”.  In reality they are looking at a
“Federal Reserve Note” which is stated right on the face of the piece
of  paper  we  have  come  to  know  as  “money”.    It  is  NOT  really
“money”, it is debt, a promise to pay made by the United States!  If
you take a “Federal Reserve Note” showing a value of ten dollars
Page 6
and buy something, you are then making a purchase with a “Note”
(a promise to pay).  There is absolutely no gold or silver backing
the Federal Reserve Notes that we refer to as “money” today.

     When  you  sit  down  at  the  closing  table  to  complete  the
transaction to purchase your home aren’t you tendering a “Note”
with your signature which would be considered money?  That is
exactly  what  you  are  doing.   A  “Note”  is  money  in our  monetary
system  today!    You  can  deposit  the  “Federal  Reserve  Note”  (a
promise to pay) with a denomination of $10 at the bank and they
will credit your account in that same amount.  Why is it that when
you tender your “Note” at the closing that they don’t tell you that
your home is paid for right on the spot?  The fact is that it IS PAID
FOR ON THE SPOT.  Your signature on a “Note” makes that “Note”
money  in  the  amount  that  is  stated  on  the  “Note”!    Was  this
disclosed to you at the “closing” in either verbal or written form? 
Could  this  be  the  place  where  the  other  players  come  into  the
transaction at or near the time of closing?  What happens to the
“Note” (promise to pay) that you sign at the closing table?  Do they
put it in their vault for safe keeping as evidence of a debt that you
owe them as you are led to believe?  Do they return that note to you
if you pay off your mortgage in 5, 10 or 20 years?  Do they disclose
to you that they do anything other than put it away for safe keeping
once it is in their possession?

WHAT ACTUALLY HAPPENS TO THE “NOTE”?
Page 7

     Unknown to almost everyone, there is something VERY different
that happens with your “Mortgage Note” immediately after closing.
Your “Mortgage Note” is endorsed and deposited in the bank as a
check and becomes “MONEY”! See attached (Exhibit “B” para 13)  
The document that you just gave the bank with your signature on
it, that you believe is a promise to pay them for money loaned to
you, has just been converted to money in THEIR ACCOUNT.  You
just gave the “lender” the exact dollar value of what they said they
just  loaned  you!    Who  is  the  REAL  creditor  in  this  “Closing
Transaction”?    Who  really  loaned  who  anything  of  value  or  any
money?    You  actually  just  paid  for  your  own  home  with  your
promissory “Mortgage Note” that you gave the bank and the bank
gave you what in return?   NOTHING!!!  For any contract to be valid
there must be consideration given by both parties. But don’t they
tell  you  that  you  must  now  pay  back  the  “Loan”  that  they  have
made to you?

     How can it be that you could just write a “Note” and pay for your
home? 

This leads us back to the bankruptcy of the United States in
1933.  When FDR and Congress took all the property and gold from
the people in 1933 they had to give something in return for that
confiscation of property.  See attached (Exhibit “B” para 6)  What
the  people  got  in  return  was  the  promise  that  all  of  their  needs
would be met by the government because the assets and the labor
of the people were collateral for the debt of the United States in the
Page 8
bankruptcy.   All  of  their  debts  would  be  “discharged”.   This  was
done without the consent of the people of America and was an act
of Treason by President Franklin Delano Roosevelt.  The problem
comes in where they never told us how we could accomplish that
discharge and have what we were entitled to after the bankruptcy. 
Why  has  this  never  been  taught  in  the  schools  in  this  country? 
Could it be that it would expose the biggest fraud in the history of
this entire country and in the world?  If the public is purposely not
educated about certain things then certain individuals and entities
can take full financial advantage of virtually the entire population. 
Isn’t this “selective education” more like “indoctrination”?    Could
this  be  what  has  happened?    In  Fina  Supply,  Inc.  v.  Abilene  Nat.
Bank,  726  S.W.2d  537,  1987  it  says  “Party  having  superior
knowledge who takes advantage of another's ignorance of the law
to deceive him by studied concealment or misrepresentation can
be held responsible for that conduct.” Does this mean that if there
are  people  with  superior  knowledge  as  a  party  in  this  “Loan
Transaction”  that  take  advantage  of  the  “ignorance  of  the  law”,
(through  indoctrination)  of  the  public  to  unjustly  enrich
themselves, that they can be held responsible?  Can they be held
responsible  in  only  a  civil  manner  or  is  there  a  more  serious
accountability that falls into the category of criminal conduct?

     It is well established law that Fraud vitiates (makes void) any
contract that arises from it.  Does this mean that this intentional
“lack  of  disclosure”  of  the  true  nature  of  the  contract  we  have
Page 9
entered into is Fraud and would make the mortgage contract void
on its face?  Could it be that the Fraud could actually be “studied
concealment or misrepresentation” that makes those involved in
the act responsible and accountable? What happens to the “Note”
once it is deposited in the bank and is converted to “money”?  Are
there different kinds of money?  There is money of exchange and
money of account.  They are two very different things.  See attached
(Exhibit  “B”  para  11),  Affidavit  of  Expert  Witness  Walker  Todd. 
Walker Todd explains in his expert witness affidavit that the banks
actually  do  convert  signatures  into  money.      The  definition  of
“money” according to the Uniform Commercial Code:
"Money" means a
medium  of  exchange  authorized  or  adopted  by  a  domestic  or  foreign
government  and  includes  a  monetary  unit  of  account  established  by  an
intergovernmental organization or by agreement between two or more nations. 
Money can actually be in different forms other than what we are
accustomed  to  thinking.    When  you  sign  your  name  on  a
promissory  note  it  becomes  money  whether  you  are  talking  a
mortgage note or a credit card application!  Did the bankers ever
“disclose” this to us?  Were we ever taught anything about this in
the school system in this country?  Could it be that this whole idea
of  being  able  to  convert  our  signature  to  money  is  a  “studied
concealment”  or  “misrepresentation”  where  those  involved
become  responsible  if  we  are  harmed  by  their  actions?    What
happens if you have signed a “Mortgage Note” and already paid for
your home and they come at a later date and foreclose and take it
from you?  Would you consider yourself to be harmed in any way? 
We will bring this up again very shortly but we need to look at the
Page 10
other  document  that  is  signed  at  the  “closing”  that  is  of  great
significance.

THE DEED OF TRUST

     Why  do  we  need  a  Deed  of  Trust?   What  exactly  IS  a  Deed  of
Trust or other similar “Security Instrument”?  It spells out all the
details  of  the  contract  that  you  are  signing  at  the  “closing”,
including such things as insurance requirements, preservation and
maintenance and all of the financial details of how, when, where
and why you are going to make payments to the “lender” for years
and years.  Wait a minute!!!!!  Make payments to the “lender”???? 
Why do you have to make payments to the “lender”???  Didn’t we
just establish the fact that your house was paid for by YOU, with
your  “Mortgage  Note”  that  is  converted  to  money  by  THE  BANK
DEPOSITING IT?  Is there something wrong with this picture?  We
have just paid for our “home” but now we are told we have to sign a
Deed of Trust or similar “Security Instrument” that binds us to pay
the “lender” back?  Pay the “lender” back for what?  Did they loan
us any money?   Remember the part about banks not being able to
loan “their or their depositors money” under FEDERAL LAW?  What
about: “In the federal courts, it is well established that a national bank
has no power to lend its credit to another by becoming surety, indorser,
or guarantor for him.” Farmers and Miners Bank v. Bluefield Nat ‘l
Bank, 11 F 2d 83, 271 U.S. 669; “A national bank has no power to lend
its credit to any person or corporation.” Bowen v. Needles Nat. Bank, 94
Page 11
F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44
LED 637?
     What  is  happening  here  with  this  “Deed  of  Trust”  or  similar
“Security Instrument” that says we have to pay all this money back
and if we don’t, they can foreclose and take our home?  Why do we
have to have this kind of agreement when we have already paid for
our  home  through  our  “Mortgage  Note”  which  was  converted  to
money BY THE BANK?  Could this possibly be another example of
“studied concealment or misrepresentation” where those involved
could be held accountable for their conduct?  What happens to this
Deed  of  Trust  or  similar  “Security  Instrument”  after  we  sign  it? 
Where does it go?  Does it go into the vault for safekeeping like we
might  think?    See  attached  Exhibit  “C”  for  substantially  more
information.

WHO ARE THE OTHER PLAYERS?

We have already found out that the “Note” doesn’t go into the vault
for  safe  keeping  but  instead  is  deposited  into  an  account  at  the
bank and becomes money.  Where does the Note go then?  This is
where things get VERY interesting because your “Mortgage Note” is
then used to access your Treasury Account (that you know nothing
about) and get credit in the amount of your “Mortgage Note” from
your “Prepaid Treasury Account”.   If they process the “Note” and
get  paid  for  it  then  they  have  received  the  funds  from  YOUR
Page 12
account at Treasury to pay for YOUR home correct?  They then turn
around and bundle the “Note” and sell it to investors on Wall Street
and get paid again!  Now let’s see what happens to the “Deed of
Trust”  or  similar  “Security  Instrument”  after  you  have  signed  it. 
You may be quite surprised to know that not only does it not go
into  “safekeeping”  it  is  immediately  SOLD  as  an  INVESTMENT
SECURITY  to  one  of  any  number  of  investors  tied  to  Wall  Street. 
There  is  a  ready,  and  waiting,  market  for  all  of  the  “mortgage
paper” that is produced by the banks.  What happens is the “Deed
of  Trust”  or  other  similar  “Security  Instrument”  is  bundled  and
SOLD to a buyer and the BANK GETS PAID FOR THE VALUE OF THE
MORTGAGE AGAIN!!  Haven’t the bankers just transferred any risk
on  that  mortgage  to  someone  else  and  they  have  their  money? 
That is a pretty slick way of doing things!  They ALWAYS get their
money right away and everyone else connected to the transaction
has the liabilities!  Is there something wrong with THIS picture? 
How can it possibly be that the bank has now been paid three times
in the amount of your “purported” mortgage?  How is it that you
still have to pay years and years on this “purported” loan?  Was any
of this disclosed to you before you signed the “Deed of Trust” or
other similar “Security Instrument”?  Would you have signed ANY
of those documents including the “Mortgage Note” if you knew that
this is what was actually happening?  Do you think there were any
“copies”  of  the  “Mortgage  Note”  and  “Deed  of  Trust”  or  other
similar “Security Instrument” made during this process?  Are those
Page 13
“copies”  just  for  the  records  to  be  put  in  a  file  somewhere  or  is
there another purpose for them?

CAN REPRODUCING A NOTE OR DEED OF TRUST BE
ILLEGAL?

     We have already established that the “Mortgage Note” and the
“Deed  of  Trust”  or  other  similar  “Security  Instrument”  are
“Securities” by definition under the law.  Securities are regulated
by the Securities and Exchange Commission which is an agency of
the Federal Government.  There are very strict regulations about
what  can  and  cannot  be  done  with  “Securities”.    There  are  very
strict  regulations  that  apply  to  the  reproduction  or  “copying”  of
“Securities”: 

The Counterfeit Detection Act of 1992, Public Law 102‐550, in Section
411 of Title 31 of the Code of Federal Regulations, permits color
illustrations of U.S. currency provided: 

The illustration is of a size less than three‐fourths or more than one and one‐
ch part of the item illustrated 
half, in linear dimension, of ea

The illustration is one‐sided 
All negatives, plates, positives, digitized storage medium, graphic files, magnetic
medium, optical storage devices, and any other thing used in the making of the
illustration that contain an image of the illustration or any part thereof are
destroyed and/or deleted or erased after their final use
 Other Obligations and Securities

Photographic or other likenesses of other United States obligations and
securities and foreign currencies are permissible for any non‐fraudulent
purpose, provided the items are reproduced in black and white and are less
Page 14
than three‐quarters or greater than one‐and‐one‐half times the size, in linear
dimension, of any part of the original item being reproduced. Negatives and
plates used in making the likenesses must be destroyed after their use for the
purpose for which they were made.
Title 18 USC § 472  Uttering counterfeit obligations or securities
Whoever, with intent to defraud, passes, utters, publishes, or sells, or attempts to
pass, utter, publish, or sell, or with like intent brings into the United States or keeps
in possession or conceals any falsely made, forged, counterfeited, or altered
obligation or other security of the United States, shall be fined under this title or
imprisoned not more than 20 years, or both. 
Title 18 USC § 473  Dealing in counterfeit obligations or securities

Whoever buys, sells, exchanges, transfers, receives, or delivers any false, forged,
counterfeited, or altered obligation or other security of the United States, with the
intent that the same be passed, published, or used as true and genuine, shall be fined
under this title or imprisoned not more than 20 years, or both.
Title  18  USC  § 474  Plates,  stones,  or  analog,  digital,  or  electronic
images for counterfeiting obligations or securities
Whoever, with intent to defraud, makes, executes, acquires, scans, captures, records,
receives, transmits, reproduces, sells, or has in such person’s control, custody, or
possession, an analog, digital, or electronic image of any obligation or other security
o


f the United States is guilty of a class B felony.
     Are these regulations always adhered to by the “lender” when
they  have  possession  of  these  “original”  SECURITIES  and  make
reproductions  of  them  before  they  are  “sold  to  investors?    How
much  has  been  in  the  media  in  the  past  2  years  about  people
demanding  to  see  the  “wet  ink  signature  Note”  when  there  is  a
foreclosure action initiated against them?  You hear it all the time. 
Why is that such a big issue?  Shouldn’t the “lender” be able to just
bring  the  “Note”  and  the  “Deed  of  Trust”  or  similar  “Security
Instrument”  to  the  Court  and  show  that  they  have  the  original
Page 15
documents and are the “holder in due course” and therefore have a
legal  right  to  foreclose?  To  foreclose  they  must  have  BOTH  the
“Mortgage  Note”  and  “Deed  of  Trust”  or  other  similar  “Security
Instrument” ORIGINAL DOCUMENTS in their possession at the time
the  foreclosure  action  is  initiated.    Furthermore,  IS  there  a  real
honest to goodness obligation to be collected on?

     Why is it that there is such a problem with “lost Mortgage Notes”
as  is  claimed  by  numerous  lenders  that  are  trying  to  foreclose
today?    How  could  it  be  that  there  could  be  so  many  “lost”
documents all of a sudden?  Could it be that the documents weren’t
really lost at all, but were actually turned into a source of revenue
that  was  never  disclosed  as  being  a  part  of  the  transaction?  To
believe  that  so  many  “original”  documents  could  be  legitimately
“lost” in such a short period of time stretches the credibility of such
claims beyond belief.  Could this be the reason that MERS (Mortage
Electronic Registration Systems) was formed in the 1990’s as a way
to supposedly “transfer ownership of a mortgage” without having
to  have  the  “original  documents”  that  would  be  required  to  be
presented to the various county recorders?  Could it be they KNEW
THEY  WOULDN’T  HAVE  THE  ORIGINAL  DOCUMENTS  FOR
RECORDING  and  had  to  devise  a  system  to  get  around  that
requirement?  When the foreclosure action is filed in the court the
attorney for the purported “party of interest”, usually the “lender”
who is foreclosing, files a “COPY”  of the “Deed of Trust” or similar
“Investment  Security”  with  the  Complaint  to  begin  foreclosure
Page 16
proceedings.  Is that “COPY” of the “Security Instrument” within the
“regulations” of Federal Law under 18 U.S.C. § 474?  Is it usually the
same size or very nearly the same size as the original document? 
Yes it is and without question it is a COUNTERFEIT SECURITY!  Who
was  it  that  produced  that  COUNTERFEIT  SECURITY?    Who  was
involved in taking that COUNTERFEIT SECURITY to the Court to file
the foreclosure action?  Who is it that is now legally in possession
of that COUNTERFEIT SECURITY?  Has everyone from the original
“lender” down to the Clerk of the Court where the foreclosure is
now being litigated been in possession or is currently in possession
of that COUNTERFEIT SECURITY?  What about the Trustees who are
involved  in  the  process  of  selling  foreclosed  properties  in  non­
judicial  states?  What  about  the  fact  that  there  is  no  judicial
proceeding in those states where the documentation purported to
be legal and proper to bring a foreclosure action can be verified
without  expensive  litigation  by  the  alleged  “borrower”?    All  the
trustee has to do is send a letter to the alleged “borrower” stating
they are in default and can sell their property at public auction.  It
is just ASSUMED that they have the “ORIGINAL” documents in their
possession as required by law.  In reality, in almost every situation,
they do NOT!!!  They are using a COUNTERFEIT SECURITY as the
basis to foreclose on a property that was paid for by the person
who  signed  the  “Mortgage  Note”  at  the  closing  table  that  was
converted  to  money  by  the  bank.    When  it  is  demanded  they
produce the actual “original signed documents” they almost always
refuse to do so and ask the Court to “take their word for it” that
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they  have  BOTH  of  the  original  documents  which  are  absolutely
required  to  be  in  their  possession  to  begin  foreclosure  actions. 
Almost every time the people that are being foreclosed on are able
to  convince  the  Court  (in  judicial  foreclosures)  to  demand  that
those “original documents” be produced in Court by the Plaintiff,
the foreclosure action stops and it is obvious why that happens! 
THEY  DON’T  HAVE  THE  “ORIGINAL”  DOCUMENTS.  They  have,
instead, submitted a COUNTERFEIT SECURITY to the Court as their
“proof of claim” to attempt to unjustly enrich themselves through a
blatantly fraudulent foreclosure action.  One often cited example of
this was the decision handed down by U. S. Federal District Court
Judge  Christopher  A.  Boyko  of  Ohio,  who  on  October  31,  2007
dismissed  14  foreclosure  actions  at  one  time  with  scathing
footnote  comments  about  the  actions  of  the  Plaintiffs  and  their
attorneys.  See (Exhibit “E”).  Not long after that came the dismissal
of 26 foreclosure cases in Ohio by U.S. District Court Judge Thomas
M.  Rose  who  referenced  the  Boyko  ruling  in  his  decision.    See
(Exhibit “F”).  How many other judges have not been so brave as to
stand on the principles of law as Judges Boyko and Rose did, but
need to start doing so TODAY?

     Has  any  of  this  foreclosure  activity  crossed  state  lines  in
communications or other activities?  Have there been at least two
predicate acts of Fraud by the parties involved?  Have the people
involved used any type of electronic communication in this Fraud
such  as  telephone,  faxing  or  email?    It  is  obvious  that  those
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questions have to be answered with a resounding YES!  If that is the
case, then the Fraud that has been discussed here falls under the
RICO statutes of Federal Law.  Didn’t they eventually take down the
mob for Racketeering under RICO statutes years ago?  Is it time to
take down the “NEW MOB” with RICO once again?

HOW RAMPANT IS THIS FRAUD?

     How  could  this  kind  of  situation  ever  occur  in  this  country? 
Could  it  be  that  this  whole  entire  process  could  be  “studied
concealment or misrepresentation” where the parties involved are
responsible under the law for their conduct?  Could it be that it is
no  “accident”  that  so  many  “wet  ink  signature”  Notes  cannot  be
produced to back up the foreclosure actions that are devastating
this  country?    Could  it  be  that  the  overwhelming  use  of
COUNTERFEIT  SECURITIES,  as  purported  evidence  of  a  debt  in
foreclosure  cases,  is  BY  DESIGN  and  “studied  concealment  or
misrepresentation” so as to strip the people of this country of their
property and assets?  Could it be that a VERY substantial number of
Banks, Mortgage Companies, Law Firms and Attorneys are guilty of
outright massive Fraud, not only against the people of this country,
but  of  massive  Fraud  on  the  Court  as  well  because  of  this
COUNTERFEITING?    How  could  one  possibly  come  to  any  other
conclusion  after  learning  the  facts  and  understanding  the  law? 
How  many  other  people  are  implicated  in  this  MASSIVE  FRAUD
such  as  Trustees  and  Sheriffs  that  have  sold  literally  millions  of
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homes after foreclosure proceedings based on these COUNTERFEIT
SECURITIES submitted as evidence of a purported obligation?  How
many judges know about this Fraud happening right in their own
courtrooms  and  never  did  anything?    How  many  of  them  have
actually  been  PAID  for  making  judgments  on  foreclosures? 
Wouldn’t that be a felony or at the very least, misprision of felony,
to know what is going on and not act to stop it or make it known to
authorities in a position to investigate and stop it?

     How  is  it  that  so  many  banks  could  recover  financially,  so
rapidly, from the  financial debacle  of 2008­09, with  foreclosures
still running at record levels, and yet pay back taxpayer money that
was showered on them and do it so quickly?  Could it be that when
they take back a property in foreclosure where they never risked
any  money  and  actually  were  unjustly  enriched  in  the  previous
transaction,  that  it  is  easy  to  make  huge  sums  by  reselling  that
property and then beginning the whole “Unconscionable” process
all  over  again  with  a  new  “borrower”?   How  is  it  that  just  three
years  ago  a  loan  was  available  to  virtually  almost  anyone  who
could “fog a mirror” with no documentation of income or ability to
repay a loan?  Common sense makes you ask how “lenders” could
possibly take those kinds of risks.  Could it be that the ability to
“repay a loan” was not an issue at all for the lenders because they
were  going  to  get  their  profits  immediately  and  risk  absolutely
nothing  at  all?   Could  it  be  that,  if  anything,  they  stood  to  make
even more money if a person defaulted on the “alleged loan” in a
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short period of time?  They could literally obtain the property for
nothing other than some legal fees and court filing costs through
foreclosure.  They  could  then  resell  the  property  and  reap
additional unjust profits once again!  One does not need to have
been  a  finance  major  in  college  to  figure  out  what  has  been
happening once you are enlightened to the FACTS.
 
WHAT ACTIONS HAVE PEOPLE TAKEN TO AVOID LOSING
THEIR HOMES IN FORECLOSURE?

     There have been a number of different actions taken by people
to keep from losing their homes in foreclosure.  The first and most
widely  used  tactic  is  to  demand  that  the  party  bringing  the
foreclosure  action  does,  in  fact,  have  the  standing  to  bring  the
action.  The most important issue of standing is whether that party
has  actual  possession  of  the  “original  wet  ink  signature”
documents from the closing showing they are the “holder in due
course”.  As previously mentioned, in almost ALL cases the Plaintiff
bringing the action refuses to make these documents available for
inspection by the Defendant in the foreclosure action so they can,
in  fact,  determine  the  authenticity  of  those  documents  that  are
claimed to be “original” and purportedly giving the legal right to
foreclose.   The fact that the Courts allow this to happen repeatedly
without  demanding  the  Plaintiff  bring  the  ”wet  ink  signature
documents”  into  the  court  for  inspection  by  the  Defendant,  begs
the question of whether some of the judiciary are involved in this
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Fraud.  Where is due process under the law for the Defendant when
the Plaintiff is NOT REQUIRED by the Court to meet that burden of
proof  of  standing,  when  demanded,  to  bring  their  action  of
foreclosure?

     One other option that has been used more and more frequently
in recent months to deal with foreclosure actions is the issuing of a
“Bonded Promissory Note” or “Bill of Exchange” as payment to the
alleged “lender” as satisfaction of any amounts allegedly owed by
the Defendant.  As was earlier described, a “Note” is money and as
the banks demonstrated after the closing, it can be deposited in the
bank and converted to money.  SOME of the “Bonded Promissory
Notes” and “Bills of Exchange” are, in fact, negotiated and credit is
given to the accounts specified and all turns out well.  See (Exhibit
“B” para 12)  The problem that has occurred is that MANY of the
“lenders”  say  that  the  “Bonded  Promissory  Notes”  and  “Bills  of
Exchange” are bogus documents and are worthless and fraudulent
and  they  refuse  to  give  credit  for  the  amount  of  the  “Note”  they
receive as payment of an alleged debt even though they are given
specific  instructions  on  how  to  negotiate  the  “Note”.    Isn’t  it
interesting that THEY can take a “Note” that THEY print and put
before you to sign at the closing table and deposit it in the bank
and it is converted to money immediately, but the “Note” that YOU
issue  is  worthless  and  fraudulent?    The  only  difference  is  WHO
PRINTS  THE  NOTE!!!!    They  are  both  signed  by  the  same
“borrower”  and  it  is  that  person’s  credit  that  backs  that  “Note”. 
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The  “lenders”  don’t  want  the  people  to  know  they  can  use  your
“Prepaid  Treasury  Account”,  just  as  the  banks  do  without  your
knowledge and consent.   See (Exhibit “D”) for more information on
“Bills of Exchange”.  The fact that SOME of the “Bonded Promissory
Notes”  are  negotiated  and  accounts  are  settled,  proves  beyond  a
shadow of a doubt that they are legal SECURITIES just like the one
that the  bank got from the “borrower” at the closing.  Why then
aren’t ALL of the “Notes” processed and credit given to the accounts
and the foreclosure dismissed?  Because by doing so you would be
lowering  the  National  Debt  and  the  bankers  would  make  less
money!!!!

     One  very  interesting  thing  that  happens  with  these  “Bonded
Promissory  Notes”  or  “Bills  of  Exchange”  that  are  submitted  as
payment, is that they are VERY RARELY RETURNED TO THE ISSUER
yet  credit  is  not  given  to  the  intended  account.    They  are  not
returned,  and  the  issuer  is  told  they  are  “bogus,  fraudulent  and
worthless”  but  they  are  NOT  RETURNED!    Why  would  someone
keep  something  that  is  allegedly  “bogus,  fraudulent  and
worthless”?    Could  it  be  that  they  are  NOT  REALLY  “BOGUS,
FRAUDULENT  AND  WORTHLESS”  and  the  “lender”  has,  in  fact,
actually  negotiated  them  for  YET  EVEN  MORE  UNJUST
ENRICHMENT?   That  is  exactly  what  happens  in  many  instances. 
There could be no other explanation for the failure to return the
allegedly  “worthless”  documents  WHICH  ARE  ACTUALLY
SECURITIES!!!    Does  the  fact  that  they  keep  the  “Note”  that  was
Page 23
submitted and refuse to credit the account that it was written to
satisfy, rise to the level of THEFT OF SECURITIES?  This is just one
more example of the Fraud that is so obvious.   This is but one more
example  of  the  ruthless  nature  of  those  who  would  defraud  the
people of this country. 

CONCLUSIONS
        One of the incredible aspects of this whole debacle is the fact
that the very people who are participants in this Fraud are victims
as well.  How many bank employees, judges, court clerks, lawyers,
process servers, Sheriffs and others have mortgages?  How many of
the  people  who  work  in  law  offices,  Courthouses,  Sheriffs
Departments and other entities that are directly involved in this
Fraud  have  been  fraudulently  foreclosed  on  themselves?    How
many  people  in  our  military,  law  enforcement,  firefighting  and
medical fields have lost their homes to this Fraud?  How many of
your  friends  or  neighbors  have  lost  their  homes  to  these
fraudulent foreclosures?  Everyone who has a mortgage is a VICTIM
of  this  fraud  but  some  of  the  most  honest,  trusting,  hardest
working and most dedicated people in this country have been the
biggest  victims.      Who  are  those  who  have  been  the  major
beneficiaries  of  this  massive  Fraud?    Those  with  the  “superior
knowledge”  that  enables  them  to  take  advantage  of  another's
ignorance of the law to deceive them by “studied concealment or
misrepresentation”.  This group of beneficiaries includes many on
Wall Street, large investors, and most notoriously, the bankers at
the top and the lawyers who work so hard to enhance their profits
Page 24
and protect the Fraud by them from being exposed.  The time has
now  come  to  make  those  having  superior  knowledge  who  HAVE
taken advantage of another's ignorance of the law to deceive them
by  studied  concealment  or  misrepresentation  to  be  held
responsible for that conduct.  This isn’t just an idea.  It is THE LAW
and it is time to enforce it starting with the criminal aspect of the
fraud!  Under the doctrine of “Respondeat Superior” the people at
the  top  of  these  organizations  are  responsible  for  the  actions  of
those in their employ.  That is where the investigations and arrests
need to start.  
 
       What is it going to take to put a stop to the destruction of this
country and the lives of the people who live here?  It is going to
take an uprising of the people of this country, as a whole, to finally
say that they have had enough.  The information presented here is
but one part of the beginning of that uprising and the beginning of
the end of the Fraud upon the people of America.  It is obvious, as
has been pointed out here, with supporting evidence, that Fraud is
rampant.  You now know the story and can no longer say you are
totally  uninformed  about  this  subject.   This  is  only  an  outline  of
what needs to, and will, become common knowledge to the people
and law  enforcement agencies in  this country.  If you are in  law
enforcement  it  is  YOUR  DUTY  to  take  what  you  have  been  given
here and move forward with your own intense investigation and
root  out  the  Fraud  and  stop  the  theft  of  people’s  homes.    Your
Page 25
failure to do so would make you an accessory to the fraud through
your inaction now that you have been noticed of what is occurring. 

     If you are an attorney and receive this information it would do
you well to take it to heart, and understand there is no place for
your  participation  in  this  Fraud  and  if  you  participate  you  will
likely  become  liable  for  substantial  damages,  if  not  more  severe
consequences such as prison.  If you are in the judiciary you would
do well to start following the letter of the law if you haven’t been,
and start making ALL of those in your Court do likewise, lest you
find yourself looking for employment as so many others are, if you
are not incarcerated as a result of your participation in the fraud. 
If  you  are  part  of  the  law  enforcement  community  that  enforces
legal  matters  regarding  foreclosure  you  would  do  well  to  make
sure that ALL things have been done legally and properly rather
than just taking the position “I am just doing my job” and turn a
blind eye to what you now know.   If you are a banker, you must
know that you are now going to start being held accountable for
the destruction you have wreaked on this country.  You have every
right to be, and should be, afraid…….very afraid.  If you are one of
the ruthless foreclosure lawyers that has prayed on the numerous
people who have lost their homes, you need to be afraid also.  Very
VERY  afraid.   When  people  learn  the  truth  about  what  you  have
done to them you can expect to see retaliation for what you have
done.  People are going to want to see those who defrauded them
brought  to  justice.    These  are  not  threats  by  any  stretch  of  the
Page 26
imagination.  These are very simple observations and the study of
human  behavior  shows  us  that  when  people  find  out  they  have
been  defrauded  in  such  a  grand  manner  as  this,  they  tend  to
become  rather  angry  and  search  for  those  who  perpetrated  the
fraud upon them.  The foreclosure lawyers and the bankers will be
standing clearly in their sights.   

     The  question  of  WHERE  DOES  THE  FRAUD  BEGIN  has  been
answered.  It began right at the closing table and was perpetuated
all  the  way  to  the  loss  of  property  through  foreclosure  or  the
incredible payment of 20 or 30 years of payments and interest by
the  alleged  “borrower”  to  those  who  would  conspire  to  commit
Fraud,  collusion  and  counterfeiting  and  practice  “studied
concealment  or  misrepresentation”  for  their  own  unjust
enrichment. 

     The simplest of analogies:  What would happen if you were to
make a copy of a $100 Federal Reserve Note and go to Walmart and
attempt to use it to fraudulently acquire items that you wanted? 
You  more  than  likely  would  be  arrested  and  charged  with
counterfeiting under Title 18 USC § 474 and go to prison.  What is
the difference, other than the magnitude of the fraud, between that
scenario and someone who makes a copy of a mortgage security,
and using it through foreclosure, attempts to fraudulently acquire
a property?  Shouldn’t they be treated exactly the same under the
law?  The answer is obvious and now it is starting to happen.
Page 27
 
Title 18 USC § 474

Whoever, with intent to defraud, makes, executes,
acquires, scans, captures, records, receives, transmits,
reproduces, sells, or has in such person’s control, custody,
or possession, an analog, digital, or electronic image of any
obligation or other security of the United States is guilty of
a class B felony.



"Fraud vitiates the most solemn Contracts, documents and
even judgments" [U.S. vs. Throckmorton, 98 US 61, at pg.
65].
“It is not necessary for rescission of a contract that the
party making the misrepresentation  should have known
that it was false, but recovery is allowed even though
misrepresentation is innocently made, because it would be
unjust to allow one who made false representations, even
innocently, to retain the fruits of a bargain induced by
such representations.” [Whipp v.  Iverson, 43 Wis 2d 166].

"Any false representation of material facts made with
knowledge of falsity and with intent  that it shall be acted
on by another in entering into contract, and which is so
acted upon, constitutes 'fraud,' and entitles party deceived
to avoid contract or recover damages." Barnsdall Refining
Corn. v. Birnam Wood Oil Co. 92 F 26 817.

A thorough reading of the attached exhibits will
enlighten one even more, including Exhibit “G”.