[00:00.000 --> 00:04.400] This news brief brought to you by the International Newsnet. [00:04.400 --> 00:09.800] Afghan President Hamid Karzai has ordered an investigation into the Afghan war diaries [00:09.800 --> 00:11.440] published by WikiLeaks. [00:11.440 --> 00:17.040] Karzai said the release of Afghan informants' names was shocking and irresponsible, adding [00:17.040 --> 00:22.900] the move had endangered their lives. [00:22.900 --> 00:27.720] Officers from a single Arizona county helped deport more than 26,000 immigrants from the [00:27.720 --> 00:33.400] US through a federal-local partnership program that has been criticized as fraught with problems. [00:33.400 --> 00:38.760] Statistics obtained by the Associated Press show the Maricopa County Sheriff's Office [00:38.760 --> 00:43.240] was responsible for the deportation or forced departure of about a quarter of the national [00:43.240 --> 00:44.240] total. [00:44.240 --> 00:51.720] In Iraq Wednesday, 35 Iraqis were killed and 60 injured, mostly in two attacks against [00:51.720 --> 00:56.800] Shiites in Baghdad and Karbala. [00:56.800 --> 01:03.440] Buried among the 77,000 classified military documents released by WikiLeaks is evidence [01:03.440 --> 01:08.920] the US military paid Afghan media outlets to run friendly stories. [01:08.920 --> 01:15.800] Reports from Army Psychological Operation Units and the PRT, or Provincial Reconstruction [01:15.800 --> 01:21.840] Teams, showed local Afghan radio stations were under contract to air content produced [01:21.840 --> 01:23.600] by the US. [01:23.600 --> 01:29.760] Other reports show US military personnel referring to Afghan reporters as our journalists and [01:29.760 --> 01:32.080] telling them how to do their jobs. [01:32.080 --> 01:36.600] Collaborations between local media and US forces have been a headache for the Pentagon [01:36.600 --> 01:37.600] in the past. [01:37.600 --> 01:43.340] In 2005, a Pentagon contractor was caught paying Iraqi newspapers to run stories written [01:43.340 --> 01:47.560] by US soldiers, causing the US considerable embarrassment. [01:47.560 --> 01:53.480] In one leaked document, a PRT member reported delivering, quote, 12 hours of PSYOP radio [01:53.480 --> 02:00.360] content programming to two radio stations, paying one of them $3,900 for so-called radio [02:00.360 --> 02:05.000] content programming airtime. [02:05.000 --> 02:10.000] The Obama administration is trying to make it easier for the FBI to compel companies [02:10.000 --> 02:13.600] to turn over Internet records without a court order. [02:13.600 --> 02:18.080] Government lawyers say this category of information includes the addresses to which an Internet [02:18.080 --> 02:24.400] user sends email, the times and dates email was sent and received, and possibly a user's [02:24.400 --> 02:26.200] browser history. [02:26.200 --> 02:30.440] Industry lawyers and privacy advocates see the move as an expansion of the power the [02:30.440 --> 02:34.600] government wields through so-called national security letters. [02:34.600 --> 02:39.320] These missives require the recipient to provide the requested information and to keep the [02:39.320 --> 02:41.320] request secret. [02:41.320 --> 02:46.800] Russian officials said the proposal was prompted by a desire to overcome resistance from Internet [02:46.800 --> 02:52.640] and other companies that the existing statute did not allow them to provide such data without [02:52.640 --> 02:53.640] a court order. [02:53.640 --> 03:12.560] This news brief brought to you by the International News Net. [03:12.560 --> 03:27.740] Thank you very much. [03:27.740 --> 03:53.740] Bad boys, bad boys, whatcha gonna do, whatcha gonna do, when they come for you? [03:53.740 --> 03:58.740] When you were eight and you had bad dreams, you'd go to school and learn the golden rule [03:58.740 --> 04:04.740] So why are you acting like a bloody fool? If you get high and your mouth gets crude [04:04.740 --> 04:15.740] Bad boys, bad boys, whatcha gonna do, whatcha gonna do, when they come for you? [04:15.740 --> 04:24.740] You chuck it on that one, you chuck it on this one, you chuck it on your mother and you chuck it on your father [04:24.740 --> 04:26.740] You chuck it on that one and you chuck it on me [04:26.740 --> 04:44.740] Bad boys, bad boys, whatcha gonna do, whatcha gonna do, when they come for you? [04:44.740 --> 04:48.740] Whatcha gonna do, whatcha gonna do, when they come for you? [04:48.740 --> 05:15.740] Bad boys, bad boys, whatcha gonna do, whatcha gonna do, when they come for you? [05:15.740 --> 05:42.740] Bad boys, bad boys, whatcha gonna do, whatcha gonna do, when they come for you? [05:42.740 --> 05:48.740] Why did you have to ask so much? Don't you know you're a human being? [05:48.740 --> 05:53.740] Born of a mother with a love for her father, reflection comes from reflection [05:53.740 --> 05:59.740] I know sometimes you wanna let go, hey, hey, hey [05:59.740 --> 06:04.740] I know sometimes you wanna let go [06:04.740 --> 06:09.740] Bad boys, bad boys, whatcha gonna do, whatcha gonna do, when they come for you? [06:09.740 --> 06:14.740] Bad boys, bad boys, whatcha gonna do, whatcha gonna do, when they come for you? [06:14.740 --> 06:30.740] Bad boys, bad boys, whatcha gonna do, whatcha gonna do, when they come for you? [06:30.740 --> 06:34.740] Bad boys, bad boys, whatcha gonna do, when they come for you? [06:34.740 --> 06:38.480] Boys, what are you going to do when we come for you? [06:38.480 --> 06:41.820] Sorry about the long intro, folks. [06:41.820 --> 06:48.060] We were having some technical difficulties trying to get Randy and Eddie up on the line, [06:48.360 --> 06:51.980] but it seems that we have them both on the line here. [06:52.820 --> 06:56.160] And Randy's going to talk about some mortgage issues tonight. [06:56.500 --> 07:00.120] We're taking your calls, 512-646-1984. [07:00.120 --> 07:05.380] But before we start in with the mortgage issues, I have a few announcements to make. [07:05.960 --> 07:13.080] I did happen to speak somewhat negatively about a publication called the Austin Chronicle here [07:13.080 --> 07:15.140] in Austin, I believe it was Friday night. [07:15.380 --> 07:17.920] And I may have to take my words back. [07:17.920 --> 07:19.040] I may have to eat my words. [07:19.040 --> 07:19.780] We'll see. [07:20.040 --> 07:23.100] I was contacted by the Austin Chronicle earlier this week. [07:23.100 --> 07:28.060] They wanted to do an interview with me about 90.1 in the Austin micros. [07:28.060 --> 07:35.120] So yesterday I went on an interview and the interview went very well and it did not seem [07:35.120 --> 07:38.540] like it was a setup for a hit piece, which I was a little bit concerned about at first. [07:38.540 --> 07:40.380] The interview went quite well, so we will see. [07:40.380 --> 07:45.820] That article should be coming out in the Austin Chronicle either next Thursday [07:45.820 --> 07:47.860] or the Thursday after that. [07:48.500 --> 07:52.740] And so I broke some news with the Austin Chronicle. [07:52.740 --> 07:55.640] It's not gone public yet because I haven't made an announcement yet. [07:55.640 --> 07:59.600] I'm going to make the announcement tonight, right now, but I figured tonight would be the best night [07:59.600 --> 08:00.500] to make the announcement. [08:00.500 --> 08:03.620] I've been planning on making it soon anyway. [08:03.620 --> 08:07.320] There's big news, big things going on with the micro. [08:08.020 --> 08:09.900] What is happening now? [08:10.340 --> 08:13.900] Basically, I've, some of you all know this already. [08:13.900 --> 08:15.200] I've spoken about it before. [08:15.660 --> 08:18.680] The FCC has basically backed off. [08:18.680 --> 08:21.160] The whole situation is in kind of limbo. [08:21.160 --> 08:26.940] The forfeitures have been turned over to the DOJ, but the DOJ has not done anything about it. [08:26.940 --> 08:33.220] All they've done is sent a third-party debt collection letter saying that the FCC has determined [08:33.220 --> 08:38.040] that these certain individuals owe a debt to the federal government, which is a lie, [08:38.420 --> 08:44.180] and that they were threatening that they might possibly sue to collect this debt. [08:44.480 --> 08:49.660] Well, of course, yours truly did a little research on what a debt is, [08:49.660 --> 08:54.120] what the definition of a debt is concerning these types of situations, and the only way [08:54.120 --> 09:01.060] that a forfeiture can be translated to a debt officially is that the DOJ has [09:01.060 --> 09:06.640] to get a civil judgment on the forfeiture in order for it to be construed as a debt, [09:06.640 --> 09:11.260] which means a trial de novo where all the evidence of the case comes [09:11.260 --> 09:14.500] out in federal court for judicial review. [09:14.500 --> 09:18.140] We never even had an administrative review for these cases. [09:18.140 --> 09:21.820] So that was one thing that they did wrong. [09:21.820 --> 09:25.280] They had multiple violations of Title 47 and Title 5 [09:25.680 --> 09:29.420] because they did ex parte administrative hearings. [09:29.420 --> 09:32.220] We never got a public administrative hearing, all these kinds of things. [09:32.460 --> 09:40.060] Well, anyways, the DOJ apparently was trying to or could still be trying to make an effort [09:40.060 --> 09:46.140] to sidestep this little issue of the trial de novo where all the evidence of the case has [09:46.140 --> 09:52.120] to come under judicial review, and they just want to skip to the debt collection part, okay, [09:52.320 --> 09:53.820] when there's not even a debt. [09:53.820 --> 09:55.900] It has to be translated into a debt. [09:56.280 --> 09:59.700] The forfeiture has to be translated into a debt by a civil judge, [09:59.700 --> 10:04.700] through a civil judgment process, either that or if somebody voluntarily starts making payments [10:04.700 --> 10:08.040] on a forfeiture, then it automatically is translated into a debt. [10:08.340 --> 10:14.060] Well, none of the individuals involved have made a single payment of one red cent [10:14.060 --> 10:18.820] on these bogus forfeitures, so there's no way these forfeitures could be debt. [10:18.820 --> 10:25.300] So we will see if the DOJ attempts to file any lawsuits whatsoever to collect a debt [10:25.300 --> 10:30.940] that does not exist, the entities involved will be filing counter lawsuits against the DOJ [10:30.940 --> 10:33.140] for filing frivolous lawsuits. [10:33.500 --> 10:35.020] So that's where that is. [10:35.740 --> 10:41.740] So as far as the news with the micro, what we are doing is we have figured out a way [10:41.740 --> 10:48.260] to bring the listeners into the picture, as far as being able to have standing in court [10:48.260 --> 10:53.300] to do something about it, see, normally, the general public, [10:53.300 --> 10:59.640] even if the entire general public is affected, does not have standing in court for lawsuits, [10:59.640 --> 11:04.180] even if everyone's harmed, there has to be some specific harm, [11:04.180 --> 11:07.840] you have to show a certain group of people suffering specific harm, [11:07.840 --> 11:10.520] and I know it doesn't seem fair, but that's just the way it is. [11:10.520 --> 11:17.160] So what we're doing is we're setting up a trust for the micro, setting up a private trust, [11:17.640 --> 11:19.680] and the listeners are the beneficiaries. [11:20.100 --> 11:26.840] Now, folks out there who have already submitted letters to the micro testifying [11:26.840 --> 11:30.200] that the micro serves the public interest for a public interest file, [11:30.840 --> 11:35.880] everyone who has sent a letter is automatically a beneficiary, okay? [11:36.100 --> 11:39.280] Now, on the one hand, I don't have to ask people's permission [11:39.280 --> 11:41.080] to make them beneficiaries of a trust. [11:41.080 --> 11:46.120] I mean, people set up trust for their babies, people set up trust for their dogs, all right, [11:46.120 --> 11:50.380] as beneficiaries, you don't have to ask a beneficiary to their permission [11:50.380 --> 11:52.400] to make them a beneficiary of a trust. [11:52.940 --> 11:59.900] In general, and specifically in this case, the beneficiaries of the trust carry no liability [11:59.900 --> 12:05.820] or no responsibility whatsoever for the actions of the trustee on behalf of them. [12:05.820 --> 12:11.500] And what the, but however, if somebody who has sent a letter does not want [12:11.500 --> 12:15.680] to be a beneficiary, then I will take you off, but as of this point in time, [12:15.680 --> 12:20.240] everyone who submitted letters is automatically beneficiaries of the trust. [12:20.520 --> 12:24.820] Folks out there, if you have not submitted a letter of public interest, please do so, [12:24.820 --> 12:28.780] and I will add your name to the list, I will put your letter of public interest in the file [12:29.500 --> 12:33.080] of the public interest, serving the public interest file, and add your name to the list [12:33.080 --> 12:39.420] of beneficiaries of the trust, and what the benefits are, are you get to listen [12:39.420 --> 12:45.120] to the micro, for one thing, you get to have this very valuable information, [12:45.420 --> 12:50.460] and as a beneficiary, you also get to have standing, to be co-plaintiffs in a suit, [12:50.640 --> 12:58.420] because if the FCC or the DOJ illegally tries to shut it down, then you will be harmed specifically [12:58.420 --> 13:00.460] because you are a beneficiary of the trust. [13:00.460 --> 13:04.120] The other possible benefits that could be involved are this, [13:05.120 --> 13:08.920] we will be taking donations for the legal fund, we still need your donations [13:08.920 --> 13:12.860] for the legal fund because it's very expensive, some of these filing fees, [13:13.280 --> 13:18.880] we spent probably over $1200 to this point on filing fees and copies [13:18.880 --> 13:21.560] and certified mailings and all these kinds of things, [13:21.940 --> 13:28.400] it's been an expensive battle to this point, and Randy has taken a few hundred dollars [13:28.400 --> 13:35.840] for his time, I haven't taken any money for my time, and so what the bottom line is, [13:35.840 --> 13:40.340] we are taking sponsors for the micro, everything will go, all the money will go [13:40.340 --> 13:48.480] into the trust, and at that point, everything will be held in escrow to be used for legal funds, [13:48.480 --> 13:53.900] for legal purposes, to serve the trust, to keep it on the air, for filing fees, [13:53.900 --> 14:00.420] and hopefully, there will be enough money left over so that Randy and or I could actually be able [14:00.420 --> 14:05.660] to build the trust for our time, for paralegal services, for all the hundreds and hundreds [14:05.660 --> 14:12.460] of hours of research and work we've had to put into this to keep 90.1 on the air. [14:13.180 --> 14:19.580] All right, so nobody is getting paid a salary, nobody is getting any kind of, you know, [14:19.580 --> 14:26.060] commissions or anything like that, it's all going into escrow just for legal funds, [14:26.060 --> 14:31.520] just to keep the micro on the air and to, for people like Randy or I, you know, [14:31.520 --> 14:35.180] someday we may have to hire a lawyer, I mean, who knows, hopefully not, [14:35.580 --> 14:39.740] but you never know where this thing is going to go, and so everything is being held [14:39.740 --> 14:46.240] in escrow right now to pay the necessary individuals for their time [14:46.240 --> 14:50.620] and the necessary filing fees, so that's what's going on with the micro, [14:50.880 --> 14:55.020] and what we are going to be doing, one of the main reasons we're setting it [14:55.020 --> 14:59.700] up this way is not only for the listeners, to set the listeners up as beneficiaries, [14:59.980 --> 15:08.000] but also so that the trust can start renting tower space from other entities, okay, [15:08.000 --> 15:13.960] so that when the FCC decides they want to go after 90.1 for not having a license, [15:13.960 --> 15:19.560] which it's not required to have a license under law anyway, but the bottom line is, [15:19.800 --> 15:24.360] whoever the property owner is of the tower, where the tower is, [15:24.660 --> 15:28.700] will not be left holding the bag to fight the FCC, [15:28.700 --> 15:34.040] because I can't technically write legal documents for other people, I'm not an attorney, [15:34.320 --> 15:36.960] I don't want to push the envelope on practicing law without a license [15:36.960 --> 15:42.180] and these sort of things, so what will happen is the trust will rent the tower space [15:42.180 --> 15:49.740] from the entity of wherever property it's going to be, and that way the trust will take full [15:49.740 --> 15:55.620] responsibility and full liability for any potential alleged violations [15:55.620 --> 16:01.660] of FCC regulations regarding the broadcast of 90.1, [16:01.660 --> 16:07.220] and that way it lets the property owner off the hook, and so these documents are currently [16:07.220 --> 16:13.020] in the process of being set up right now, and I would say probably within the next couple [16:13.020 --> 16:19.100] of weeks the transmitter will be moved to a place out in Westlake Hills, [16:19.100 --> 16:23.520] and 90.1 should be blasting like gangbusters all over the entire city of Austin again, [16:23.520 --> 16:28.580] once again within the next couple of weeks, and this time when the FCC wants to do something [16:28.580 --> 16:33.640] about it, or the Texas Association of Broadcasters complains, we're going to be ready for them. [16:33.640 --> 16:39.280] So that's the news for the micro. Folks, you can send your letters, [16:39.280 --> 16:44.840] serving the public interest letters, to the address 1516 South Lamar, [16:44.840 --> 16:51.240] number 112, Austin, Texas, 787-04, that address is on the Rule of Law Radio website. [16:51.560 --> 16:56.240] Everybody, please donate to the 90.1 Legal Fund, and get your letters in, [16:56.240 --> 16:57.920] and become a beneficiary of the trust. [16:57.920 --> 16:58.420] We'll be right back. [16:58.420 --> 17:07.380] Capital Coin and Bullion is your local source for rare coins, precious metals, [17:07.380 --> 17:09.820] and coin supplies in the Austin metro area. [17:09.820 --> 17:11.980] We also ship worldwide. [17:11.980 --> 17:16.540] We are a family-owned and operated business that offers competitive prices on your coin [17:16.540 --> 17:17.340] and metals purchases. [17:17.340 --> 17:22.540] We buy, sell, trade, and consign rare coins, gold and silver coin collections, [17:22.540 --> 17:24.620] precious metals, and scrap gold. [17:24.620 --> 17:28.580] We will purchase and sell gold and jewelry items as well. [17:28.580 --> 17:31.180] We offer daily specials on coins and bullions. [17:31.180 --> 17:37.020] We're located at 5448 Barnett Road, Suite 3, and we're open Monday through Friday, [17:37.020 --> 17:41.140] 10 a.m. to 6 p.m., Saturdays, 10 a.m. to 5 p.m. [17:41.140 --> 17:44.300] You are welcome to stop in our shop during regular business hours, [17:44.300 --> 17:49.820] or call 512-646-6440 with any questions. [17:49.820 --> 17:54.540] As for Chad, and say you heard about us on Rule of Law Radio, or 90.1 FM, [17:54.540 --> 17:59.820] that's Capital Coin and Bullion, 512-646-6440. [17:59.820 --> 18:28.020] Look what we've got, we ask the question, we don't have the answer, we ask the question, [18:28.020 --> 18:42.060] we don't have the answer. [18:42.060 --> 18:49.060] Get them up and angry, get them up standing up and fight and fight for the freedom and the freedom [18:49.060 --> 18:53.060] And they like them love slavery and get handouts from the government [18:53.060 --> 19:03.060] So again, we as the Christians, we don't have the answer [19:03.060 --> 19:14.060] And we as the Christians, we don't have the answer [19:14.060 --> 19:19.060] Hear me, they may tear you, they may tear me Lord, they may tear the country [19:19.060 --> 19:24.060] Hear me, they may tear me, they may tear you and they may tear the country [19:24.060 --> 19:29.060] They don't tear up the constitution, they don't rip it in three, they don't give a damn about three [19:29.060 --> 19:34.060] You're going to see how this country, how they're going to lead, how they're going to lead [19:34.060 --> 19:36.060] Okay folks, we are back [19:36.060 --> 19:41.060] If you would like to call in and make a comment or ask a question [19:41.060 --> 19:49.060] The call-in number to talk on the air is 512-646-1984 [19:49.060 --> 19:57.060] If you just want to listen, please tune in to the stream at ruleoflawradio.com [19:57.060 --> 20:00.060] So that we can get our stream numbers up on Shoutcast [20:00.060 --> 20:06.060] Even if you're listening on one of our wonderful AM and FM affiliates around the country [20:06.060 --> 20:11.060] Still please tune in to ruleoflawradio.com and pull the stream so that we can get our numbers up [20:11.060 --> 20:14.060] It's very, very helpful to us [20:14.060 --> 20:27.060] If you do not have AM or FM or if you do not have internet [20:27.060 --> 20:31.060] You can call and listen on the listener line [20:31.060 --> 20:45.060] And that listener line number is 512-485-9010 [20:45.060 --> 20:47.060] And we have lost Randy again [20:47.060 --> 20:50.060] Apparently he's having trouble with his internet connection [20:50.060 --> 20:55.060] So Eddie, what do you have for us tonight while I try to get Randy on the phone? [20:55.060 --> 21:05.060] Okay, as you all recall, last week I was giving everybody information on how to contact the Speaker of the House in Austin [21:05.060 --> 21:17.060] How to contact his direct assistant, Representative Charlie Garand [21:17.060 --> 21:21.060] And the lady that was his associate, which I'll get back to here in just a second [21:21.060 --> 21:28.060] But anyway, what I was going to ask everyone to do was when you send an email to these folks or a letter to these folks [21:28.060 --> 21:37.060] Do me a favor and please cc a copy of that to me at the eddie at ruleoflawradio.com address [21:37.060 --> 21:43.060] And if you send an actual physical letter, please scan it in and email that to me [21:43.060 --> 21:56.060] What I want to do is to build a record to take with us to Austin to show these people exactly how much support there was for us to be there [21:56.060 --> 22:02.060] And also we were going to integrate that into the seminar material and everything else [22:02.060 --> 22:12.060] So that other people can see that here in Texas we're serious about getting our rights back and holding our representatives accountable to us [22:12.060 --> 22:15.060] And we went the extra mile to make that happen [22:15.060 --> 22:27.060] So let's be supportive of each other, help us to know how many of you out there are hearing this message and seeking after this audience in Austin [22:27.060 --> 22:32.060] We're granting them an audience with us, something they say that's never been done [22:32.060 --> 22:36.060] Well, it's about time that it needs to be done [22:36.060 --> 22:49.060] So please, if you send anything to them in Austin about that, then please cc a copy of that over to me so that I can compile that and put it in with the rest of the material [22:49.060 --> 22:52.060] That's pretty much the only thing that I've got to go on at the moment [22:52.060 --> 22:55.060] All right, we've got Randy back on the line [22:55.060 --> 23:00.060] Randy, thank you for calling in since you're having trouble with your Internet [23:00.060 --> 23:06.060] You haven't been on the show for almost a week, in fact it's been a week since you've been on the show [23:06.060 --> 23:16.060] So why don't you tell us what is going on with you and these seminars and the mortgage fraud business that you've got going on [23:16.060 --> 23:20.060] Busting up mortgage fraud and helping people get out of these foreclosures and stuff like that [23:20.060 --> 23:22.060] Randy, are you there? [23:22.060 --> 23:23.060] Yes, I'm here [23:23.060 --> 23:26.060] Okay, there's a lot of background noise on your end [23:26.060 --> 23:29.060] Okay, I'm sorry about that [23:29.060 --> 23:36.060] Yes, I'm in California at the moment and it's doing extremely well [23:36.060 --> 23:38.060] We are in fact stopping a lot [23:38.060 --> 23:47.060] We've got, if my county's right, I think we've got about eight no answer defaults so far [23:47.060 --> 23:54.060] And the no answer defaults are so rare that the clerks don't know what to do with them [23:54.060 --> 23:59.060] We had one actually signed in New York, one signed here in California [23:59.060 --> 24:08.060] We've got two in Texas and we've got four or five in Colorado [24:08.060 --> 24:10.060] So this is pretty incredible [24:10.060 --> 24:26.060] The one in Texas was the $460,000 principle, the client sued for $14 million and the lender didn't answer [24:26.060 --> 24:31.060] Oh, and it seems we have one in Oregon, we have two in California and one in Oregon [24:31.060 --> 24:36.060] That the lenders didn't even bother to answer the suit [24:36.060 --> 24:42.060] It's going extremely well and it's been a while since I've talked about this [24:42.060 --> 24:53.060] So I'm going to take a little while and go through what the condition of the real estate market is right now [24:53.060 --> 25:04.060] In the late 80s and 90s, the Clinton and then the Bush administration released two primary restrictions off the lenders [25:04.060 --> 25:10.060] Under the guise of making homes available to the poor [25:10.060 --> 25:19.060] They removed two restrictions that protected individuals from getting into loans they couldn't afford [25:19.060 --> 25:26.060] Well, instead of making loans available to the poor, this had the effect of unleashing the money changers on [25:26.060 --> 25:32.060] And what the outcome was, instead of going to poor people and making loans available to them [25:32.060 --> 25:36.060] What the lenders did is went to people who are in good stable loans [25:36.060 --> 25:46.060] And talked them into doing the one thing that had always been taboo to speculate with their home [25:46.060 --> 25:55.060] Told them, sell this old house you're in, collect the equity that you have in this house [25:55.060 --> 25:59.060] And you can invest that into a much nicer home [25:59.060 --> 26:04.060] And with the move in the real estate market, you'll make a fortune [26:04.060 --> 26:07.060] Well, frankly, a lot of people did make a fortune [26:07.060 --> 26:11.060] And it created a very large real estate bubble [26:11.060 --> 26:15.060] But in 2008, that bubble burst [26:15.060 --> 26:21.060] And that bubble didn't burst by mistake, it was engineered [26:21.060 --> 26:31.060] The lenders, because of these released restrictions and because of the innovation in the mid-90s [26:31.060 --> 26:38.060] Where someone decided that you could take a consumer real estate mortgage [26:38.060 --> 26:44.060] Convert it into a security and sell it as a long-term investment [26:44.060 --> 26:49.060] To retirement funds that were looking for long-term investments [26:49.060 --> 26:52.060] They decided that this was a perfect marriage [26:52.060 --> 26:55.060] But it turned out to be not quite so perfect [26:55.060 --> 27:01.060] Because this encouraged people to go into business as mortgage companies [27:01.060 --> 27:06.060] Now, they took on names that made them sound like banks, but they weren't banks [27:06.060 --> 27:11.060] They were just companies that secured a large loan from a major bank, Chase [27:11.060 --> 27:14.060] Bank of America, Wells Fargo [27:14.060 --> 27:18.060] And converted that loan into 20- and 30-year mortgages [27:18.060 --> 27:22.060] Problem, they had to pay that loan back in six months [27:22.060 --> 27:26.060] So when the mortgage company secured the note, they had no intention of keeping it [27:26.060 --> 27:29.060] They had every intention of selling it to an investor [27:29.060 --> 27:39.060] Unlike the banks who would lend you money and then collect that money back at a profit over time [27:39.060 --> 27:42.060] You can all think back to It's a Wonderful Life [27:42.060 --> 27:49.060] That was the kind of bank that tended to produce good stable loans [27:49.060 --> 27:53.060] All these people were interested in is securing the note and then selling it [27:53.060 --> 27:57.060] They'd sell the note and come away with a hefty profit [27:57.060 --> 28:05.060] And in order to generate that hefty profit, they tended to pay the broker who brought them the loan [28:05.060 --> 28:08.060] Brought them the buyer and seller [28:08.060 --> 28:13.060] They tended to pay them more than the real estate settlement procedures act allowed [28:13.060 --> 28:21.060] The legislature intended that a broker only receive 1% of the note as commission for the sale [28:21.060 --> 28:27.060] But instead of giving them 1% of the note, they would give them 2% or 3% [28:27.060 --> 28:37.060] In order to induce the broker to convince the borrower that they didn't qualify for the less expensive note [28:37.060 --> 28:43.060] But rather only qualified for a more expensive loan product [28:43.060 --> 28:52.060] And in this way, they brought a more profitable note to the lender [28:52.060 --> 29:00.060] And the lenders achieved this by adding false fees to the HUD-1 settlement statement [29:00.060 --> 29:05.060] At closing, if any of you pull out your HUD-1 settlement statement and look at it [29:05.060 --> 29:09.060] You'll find a number of interesting fees on there [29:09.060 --> 29:13.060] Processing fee, administration fee, document preparation fee [29:13.060 --> 29:20.060] According to the real estate settlement procedures act, the only fees the lender could charge to the purchaser [29:20.060 --> 29:26.060] Are those fees the purchaser would have to pay if he bought the home in cash [29:26.060 --> 29:32.060] And those fees the lender must pay to a third-party vendor [29:32.060 --> 29:38.060] An appraiser or someone playing music while I'm trying to talk [29:38.060 --> 29:45.060] Okay, anyway, we will continue this on the other side and I'll demonstrate [29:45.060 --> 29:54.060] How the lender has reason to create a loan product he intends to default [29:54.060 --> 30:04.060] It is so enlightening to listen to 90.1 FM [30:04.060 --> 30:07.060] But finding things on the Internet isn't so easy [30:07.060 --> 30:10.060] And neither is finding like-minded people to share it with [30:10.060 --> 30:13.060] Oh, well, I guess you haven't heard of Brave New Books then [30:13.060 --> 30:14.060] Brave New Books? [30:14.060 --> 30:21.060] Yes, Brave New Books has all the books and DVDs you're looking for by authors like Alex Jones, Ron Paul, and G. Edward Griffin [30:21.060 --> 30:25.060] They even stock inner food, Berkey products, and Calvin Soaps [30:25.060 --> 30:27.060] There's no way a place like that exists [30:27.060 --> 30:29.060] Go check it out for yourself [30:29.060 --> 30:33.060] It's downtown at 1904 Guadalupe Street just south of UT [30:33.060 --> 30:37.060] By UT, there's never anywhere to park down there [30:37.060 --> 30:44.060] Actually, they now offer a free hour of parking for paying customers at the 500 MLK parking facility just behind the bookstore [30:44.060 --> 30:48.060] It does exist, but when are they open? [30:48.060 --> 30:53.060] Monday through Saturday, 11 AM to 9 PM, and 1 to 6 PM on Sundays [30:53.060 --> 30:57.060] So get them a call at 512-480-2503 [30:57.060 --> 31:01.060] Or check out their events page at bravenewbookstore.com [31:01.060 --> 31:05.060] Are you the plaintiff or defendant in a lawsuit? [31:05.060 --> 31:08.060] Win your case without an attorney with Jurisdictionary [31:08.060 --> 31:16.060] The affordable, easy-to-understand 4-CD course that will show you how in 24 hours, step-by-step [31:16.060 --> 31:20.060] If you have a lawyer, know what your lawyer should be doing [31:20.060 --> 31:24.060] If you don't have a lawyer, know what you should do for yourself [31:24.060 --> 31:29.060] Thousands have won with our step-by-step course, and now you can too [31:29.060 --> 31:35.060] Jurisdictionary was created by a licensed attorney with 22 years of case-winning experience [31:35.060 --> 31:44.060] Even if you're not in a lawsuit, you can learn what everyone should understand about the principles and practices that control our American courts [31:44.060 --> 31:53.060] You'll receive our audio classroom, video seminar, tutorials, forms for civil cases, pro se tactics, and much more [31:53.060 --> 32:02.060] Please visit ruleoflawradio.com and click on the banner, or call toll-free, 866-LAW-EZ [32:02.060 --> 32:16.060] Yeah, Mr. Office, I've taken the right hand Won't you follow the law of the land? I don't understand [32:16.060 --> 32:35.060] When you're gonna self-abuse, you're power When you're gonna self-abuse, you're power [32:35.060 --> 32:47.060] When you're gonna self-abuse, you're power When you're gonna self-abuse, you're power [32:47.060 --> 32:52.060] Please, Mr. Michael, teach officers not to abuse their power [32:52.060 --> 32:58.060] Send a request to the leader, the captain of all officers [32:58.060 --> 33:03.060] Tell them to uphold the law, and please don't abuse their power [33:03.060 --> 33:09.060] The beat and the beat and the cheat and the cheat and the light, every hour [33:33.060 --> 33:40.060] The benefit of being able to listen on the air for free, I might add, to this fantastic information here on Rule of Law Radio Network [33:40.060 --> 33:47.060] and Genesis Communication Network, and besides being able to have standing in court for being a co-plaint [33:47.060 --> 33:55.060] if any lawsuits that we may need to file on behalf of the trust, you will also have any funds collected from donations [33:55.060 --> 34:04.060] or from other, you know, avenues, any funds collected after the legal funds have been paid, [34:04.060 --> 34:09.060] after all the legal expenses have been paid, will be redistributed back to the beneficiaries [34:09.060 --> 34:15.060] Now, don't expect much, and don't expect anything the first year because Randy and I have had to pay out of our own pockets [34:15.060 --> 34:20.060] to keep 9.1 on the air on top of the donations that have come in [34:20.060 --> 34:27.060] So, but if possible, there will be a small redistribution annually [34:27.060 --> 34:31.060] Okay, Randy, you're on again, and there's a lot of stuff going on on your end [34:31.060 --> 34:37.060] I hear a lot of scratching and background noise, so maybe you might want to get into a quieter place [34:37.060 --> 34:51.060] Okay, I was talking about why it's in the lender's best interest to create a loan he intends to default [34:51.060 --> 35:02.060] Now, initially he creates a loan that he intends to sell so that he can generate an immediate profit [35:02.060 --> 35:10.060] and he does that by bribing the broker with increased, broke the increased commissions [35:10.060 --> 35:13.060] beyond what the Real Estate Settlement Procedures Act allows [35:13.060 --> 35:22.060] in order to get the broker to breach his fiduciary duty to the client and upsell the note to the client [35:22.060 --> 35:28.060] Then he goes to the investor and sells the note to the investor [35:28.060 --> 35:38.060] Once that's done, the lender then becomes the servicer of the note [35:38.060 --> 35:43.060] He collects the payments, and most people who are paying payments to a servicer [35:43.060 --> 35:51.060] believe that servicer to be the bank or the owner of the note, and it's almost never the case [35:51.060 --> 36:01.060] What he is is a contractor. All he does is collect the payment and forward it on to the entity [36:01.060 --> 36:09.060] that purchased the security instrument, except he keeps 3% for his trouble collecting the fees [36:09.060 --> 36:17.060] unless you pay late, in which case he adds another 5% to your payment and he keeps that [36:17.060 --> 36:24.060] So it is in the best interest of the lender that you struggle to pay your payment and pay it late [36:24.060 --> 36:28.060] because he makes almost three times as much [36:28.060 --> 36:34.060] And if the loan forecloses, if it defaults, if he forecloses [36:34.060 --> 36:40.060] they'll make on the average of about $50,000 on the foreclosure [36:40.060 --> 36:44.060] It's kind of complex how he gets there, but we won't go into that here [36:44.060 --> 36:50.060] But he'll make a goodly amount if it forecloses, but that's not the reason [36:50.060 --> 36:53.060] he has for creating a loan he intends to default [36:53.060 --> 36:57.060] That's one of the reasons, but a secondary reason [36:57.060 --> 37:05.060] When he sells the security instrument to the investor, he will transfer the security instrument to the investor [37:05.060 --> 37:10.060] but not the lien document, not the deed of trust [37:10.060 --> 37:14.060] The purchaser, the borrower, when they purchase the house [37:14.060 --> 37:21.060] will provide to the lender in return for title to the house a promise to pay [37:21.060 --> 37:24.060] This promise to pay has no present value [37:24.060 --> 37:28.060] It has increased future value, but no present value [37:28.060 --> 37:33.060] So to ensure that the future value is realized on the note [37:33.060 --> 37:42.060] he also provides a lien against the property in case the borrower defaults on the loan [37:42.060 --> 37:48.060] When the lender sells the security instrument to the investor [37:48.060 --> 37:54.060] he gives him the security instrument, but not the lien [37:54.060 --> 37:59.060] And according to the Supreme Court in Kansas, this creates a fatal flaw [37:59.060 --> 38:05.060] The bifurcation of the note and the security instrument, the separation of the two [38:05.060 --> 38:15.060] creates a situation where the holder of the security instrument has a claim against the signator on the document [38:15.060 --> 38:19.060] but no claim against the property [38:19.060 --> 38:26.060] The lender still holds the security instrument that gives him a claim against the property [38:26.060 --> 38:31.060] but he's received consideration and therefore has no claim against the property [38:31.060 --> 38:38.060] I'm sorry, therefore cannot exert the lien because he can't be harmed [38:38.060 --> 38:44.060] That's the fatal flaw it creates, so the question becomes, why would he do that? [38:44.060 --> 38:52.060] Why would he sell the security instrument and keep the lien document when it creates such a difficult problem? [38:52.060 --> 38:56.060] As always, you follow the money [38:56.060 --> 39:03.060] He will do that because he can hold the lien document for three years [39:03.060 --> 39:13.060] Prepare 1099A, file it with the IRS, and write the entire amount of the lien off of his capital gains tax as abandoned funds [39:13.060 --> 39:19.060] He gets consideration on the lien document a second time [39:19.060 --> 39:22.060] and he's not finished yet [39:22.060 --> 39:25.060] We've all heard about derivatives [39:25.060 --> 39:35.060] but because they call them derivatives or credit default swaps, it's not always clear as to precisely what they are [39:35.060 --> 39:39.060] What they are is mortgage insurance [39:39.060 --> 39:42.060] Most everybody sees a mortgage insurance policy on their note [39:42.060 --> 39:46.060] That mortgage insurance policy will pay the holder of the policy [39:46.060 --> 39:54.060] 80% of the original amount of the principal if the loan defaults [39:54.060 --> 39:56.060] It's a bet [39:56.060 --> 40:00.060] Any insurance policy, you're making a bet [40:00.060 --> 40:12.060] The problem with these debts is the one you see on your HUD-1 settlement statement is not the only one [40:12.060 --> 40:17.060] In derivatives, they can write as many as they want to [40:17.060 --> 40:21.060] In 1907, the stock market crashed [40:21.060 --> 40:26.060] The reason it crashed was because there were what was called bucket shops [40:26.060 --> 40:33.060] In these bucket shops, you could go in and bet on a stock whether it would increase or decrease [40:33.060 --> 40:40.060] This totally unregulated betting led to the stock market crash in 1907 [40:40.060 --> 40:46.060] The legislature forbade the practice, made it a felony to do so [40:46.060 --> 40:57.060] In the year 2000, the last thing the legislature did before it closed fine dye was remove that restriction [40:57.060 --> 41:03.060] It took the money changer to eight years to crash the market again [41:03.060 --> 41:12.060] If you think back at the kinds of money that was involved in the 2008 bailout [41:12.060 --> 41:24.060] The entire amount of money invested in consumer mortgages in the United States is on the order of $15 billion [41:24.060 --> 41:31.060] But the amount of the bailout was on the order of $700 billion [41:31.060 --> 41:33.060] What's going on here? [41:33.060 --> 41:42.060] What's going on is the lender would create a note he intended to default [41:42.060 --> 41:47.060] Then he would buy eight to ten credit default swaps against the property [41:47.060 --> 41:52.060] Betting that the note would default [41:52.060 --> 42:01.060] When it did, he would make eight to ten times the amount of the original principal on these credit default swaps [42:01.060 --> 42:09.060] When the market crashed in 2008 and AGI and Lehman Brothers had to start paying off on all these credit default swaps [42:09.060 --> 42:12.060] That's what crashed the market [42:12.060 --> 42:18.060] Then they came to us to bail him out [42:18.060 --> 42:24.060] If you're not upset at what's going on, then you have to be asleep [42:24.060 --> 42:28.060] You clearly don't understand what's actually going on [42:28.060 --> 42:32.060] The real estate market is in a terrible mess [42:32.060 --> 42:43.060] And it was created seemingly deliberately by the lenders to steal the equity of everyone in this country [42:43.060 --> 42:48.060] Get us out of good stable homes we were building equity in [42:48.060 --> 42:51.060] Get us into a speculative market [42:51.060 --> 42:54.060] Then crash the market and take our homes [42:54.060 --> 42:59.060] And now they're going to try to sell them back to us [42:59.060 --> 43:05.060] So if you have a mortgage right now [43:05.060 --> 43:11.060] And you've been in the mortgage more than three or four years [43:11.060 --> 43:17.060] Every dime you put in your property at this point is wasted [43:17.060 --> 43:24.060] If you bought a house three or four years ago for, say, $300,000 [43:24.060 --> 43:28.060] You'll be lucky if you can get two for it now [43:28.060 --> 43:33.060] And in another year and a half you'll be lucky if you get 80 for it [43:33.060 --> 43:36.060] This is a reality that we're all facing [43:36.060 --> 43:39.060] Those are some pretty bleak numbers [43:39.060 --> 43:44.060] Well, it gets better because the lender is facing the same reality [43:44.060 --> 43:48.060] And when we come back from break I'll show you how that can be used to your advantage [43:48.060 --> 43:54.060] All right, folks, if you want to call in 512-646-1984 [43:54.060 --> 43:57.060] We'll be right back [44:01.060 --> 44:04.060] Special roast hemp coffee from HempUSA.org [44:04.060 --> 44:08.060] Our coffee grows in the dense volcanic rich soil, herbicide and pesticide free [44:08.060 --> 44:10.060] And in the high altitudes of Guatemala [44:10.060 --> 44:14.060] In conditions that are ideal for natural growth of this high quality coffee [44:14.060 --> 44:19.060] Try our mellow cup of coffee that is ground and roasted with 25% hemp seed from Canada [44:19.060 --> 44:23.060] With a wonderful nutty flavor that contains 18% protein [44:23.060 --> 44:28.060] Our roasters bring a unique flavor that makes this the best cup of coffee you'll ever have [44:28.060 --> 44:32.060] Try our new special roast hemp coffee from HempUSA.org [44:32.060 --> 44:34.060] And wake up your brain without the jitters [44:34.060 --> 44:37.060] Our customers look forward to their next cup of hemp coffee [44:37.060 --> 44:44.060] Visit us at HempUSA.org or call 908-691-2608 [44:44.060 --> 44:48.060] That's 908-691-2608 [44:48.060 --> 44:51.060] And see if you'll change your mind about drinking coffee again [44:51.060 --> 45:08.060] Taste the difference, feel the difference at HempUSA.org today [45:21.060 --> 45:27.060] Such a gentleman, a soldier, a warrior, a club, scuffle and they keep the peace [45:27.060 --> 45:30.060] All they're taking is misunderstanding [45:30.060 --> 45:32.060] Somebody calls the police [45:32.060 --> 45:56.060] Watching the sparks fly [45:56.060 --> 46:02.060] The friction isn't the fiction, the hard work can leave you cold as nails [46:02.060 --> 46:05.060] The impossibility, the judgment could be [46:05.060 --> 46:08.060] A heavy load of tape and unscathed [46:08.060 --> 46:11.060] The time is colliding with the constant [46:11.060 --> 46:14.060] You find out after a while [46:14.060 --> 46:16.060] It's not your moral standards [46:16.060 --> 46:19.060] It's your patience that's on trial [46:19.060 --> 46:25.060] Watching the sparks fly [46:25.060 --> 46:30.060] Watching the sparks fly [46:30.060 --> 46:36.060] Watching the sparks fly [46:36.060 --> 46:38.060] Okay, we're back. [46:38.060 --> 46:42.060] Randy Kelton, Eddie Craig, David Stevens, Rule of Law. [46:42.060 --> 46:47.060] And what I was talking about sounded rather bleak. [46:47.060 --> 46:50.060] And actually it is. [46:50.060 --> 46:53.060] We're going into the worst depression this country's ever seen. [46:53.060 --> 46:57.060] And that's something we can't change. [46:57.060 --> 47:01.060] In 2008, the real estate market fell off a cliff. [47:01.060 --> 47:06.060] And it is presently in freefall. [47:06.060 --> 47:13.060] If you are engaged in a mortgage, you will watch the value of your property [47:13.060 --> 47:19.060] dramatically decrease in the next year and a half to two years. [47:19.060 --> 47:24.060] And in about that time, the real estate market will bottom out. [47:24.060 --> 47:30.060] It will bottom out at about 30% of the height of the bubble price. [47:30.060 --> 47:35.060] So if you bought 2006-2007 at the height of the bubble, [47:35.060 --> 47:45.060] you can watch a $300,000 house go down to about $80,000 or $90,000 if you're lucky. [47:45.060 --> 47:50.060] Then it will stabilize for a year or so and then it will begin to rise back up. [47:50.060 --> 47:52.060] This is going to happen. [47:52.060 --> 47:54.060] We know it's going to happen. [47:54.060 --> 47:57.060] The lender knows it's going to happen. [47:57.060 --> 48:03.060] However, there are ways of taking advantage. [48:03.060 --> 48:10.060] This is one of those times that in years to come you look back and you say, [48:10.060 --> 48:14.060] if I only knew then what I know now, [48:14.060 --> 48:16.060] folks, this is then. [48:16.060 --> 48:19.060] And here's what you need to know. [48:19.060 --> 48:24.060] If your property is in freefall, your property values, [48:24.060 --> 48:30.060] any money you pay into the mortgage will be more than made up for [48:30.060 --> 48:34.060] by the decrease in the value of the property. [48:34.060 --> 48:37.060] So how do you fix it? [48:37.060 --> 48:41.060] How do you solve this problem? [48:41.060 --> 48:49.060] Well, the notes that were created were created by the lender using predatory [48:49.060 --> 48:55.060] lending practices in violation of numerous federal consumer protection laws, [48:55.060 --> 49:03.060] laws against fraud, usury, and various other conspiracy and other monko [49:03.060 --> 49:05.060] criminal acts. [49:05.060 --> 49:13.060] So the way to profit from the current situation is sue them. [49:13.060 --> 49:17.060] This is not some magic trick. [49:17.060 --> 49:19.060] Just sue them. [49:19.060 --> 49:22.060] File a good suit, bad suit, doesn't make much difference. [49:22.060 --> 49:25.060] Just file a suit against the lender. [49:25.060 --> 49:30.060] Right now the lenders are in a frenzy trying to foreclose on every property [49:30.060 --> 49:32.060] they possibly can. [49:32.060 --> 49:37.060] Reason being is they have an equity position in your property and they're [49:37.060 --> 49:41.060] looking up at the equity sky falling at them like a stone. [49:41.060 --> 49:45.060] If they don't get the property foreclosed on them so quickly, [49:45.060 --> 49:53.060] they won't be able to profit on that aspect of the foreclosure mill. [49:53.060 --> 50:00.060] If you file suit against them, you slam the window of opportunity shut in their [50:00.060 --> 50:02.060] faces. [50:02.060 --> 50:09.060] Not only that, you stop them from collecting on the credit default swaps, [50:09.060 --> 50:15.060] those credit default swaps that is absolutely bankrupting this country and [50:15.060 --> 50:20.060] making these unscrupulous lenders incredibly wealthy. [50:20.060 --> 50:23.060] You stop them in their tracks. [50:23.060 --> 50:30.060] Better to file a good suit than a bad suit, but as is common with civil [50:30.060 --> 50:32.060] litigation. [50:32.060 --> 50:38.060] The big problem with civil litigation is it just simply takes forever. [50:38.060 --> 50:42.060] Anybody who's ever filed suit, tried to adjudicate a case in court, [50:42.060 --> 50:47.060] they'll attest it takes forever to get a court case handled. [50:47.060 --> 50:51.060] In this particular situation, that's a good thing. [50:51.060 --> 50:56.060] Because when you file suit, especially if you file it in the federal court, [50:56.060 --> 50:59.060] payment stops. [50:59.060 --> 51:03.060] The loan has been challenged. [51:03.060 --> 51:09.060] You've made claims against the lender, so to keep paying the lender would only [51:09.060 --> 51:13.060] continue to exacerbate the problem. [51:13.060 --> 51:20.060] So far, we have yet to have a single federal court assess a bond. [51:20.060 --> 51:25.060] We've had none ask the lender to put money in an escrow account to protect [51:25.060 --> 51:31.060] the lender, I'm sorry, had no court ask the borrower to put money in an [51:31.060 --> 51:35.060] escrow account to protect the lender in case he wins in the end. [51:35.060 --> 51:38.060] I think they all know he's not going to. [51:38.060 --> 51:43.060] So when you file suit, especially in the federal court, payment stops. [51:43.060 --> 51:51.060] So you're not pouring money into an investment that's going south faster [51:51.060 --> 51:54.060] than you're pumping money into it. [51:54.060 --> 52:01.060] And the value of the home is dropping like a stone, and the lender's position [52:01.060 --> 52:04.060] is weakening every day. [52:04.060 --> 52:09.060] By the time he gets you to a point to where you might possibly consider getting [52:09.060 --> 52:16.060] into a courtroom, the value of the property will be so low that you're likely [52:16.060 --> 52:19.060] to tell him, keep it. [52:19.060 --> 52:24.060] I saved all this money, I didn't pay you in all this time, and the property [52:24.060 --> 52:27.060] value has dropped so much, well, I'll just go buy the one across the street [52:27.060 --> 52:33.060] for chump change, and you can have your mortgage. [52:33.060 --> 52:36.060] He knows that's going to happen. [52:36.060 --> 52:41.060] The lender is very well aware of what's happening in the market. [52:41.060 --> 52:46.060] So when you sue him, if he has any smarts at all, he's going to try to make a [52:46.060 --> 52:54.060] deal with you quickly before it costs him a lot of money in attorney fees, [52:54.060 --> 53:00.060] defending a case that in the end is not going to matter if he wins or not. [53:00.060 --> 53:04.060] He's going to lose no matter what. [53:04.060 --> 53:07.060] So we put together a program, this is what I've been doing, that's why I've [53:07.060 --> 53:13.060] been traveling so much, is we're presenting this program around the country, [53:13.060 --> 53:18.060] and we are having phenomenal response to it. [53:18.060 --> 53:21.060] And we're having great success. [53:21.060 --> 53:28.060] The last count, it looks like we've got about nine no-answer defaults. [53:28.060 --> 53:33.060] That's where the lender didn't even bother to answer the suit. [53:33.060 --> 53:39.060] They know, I guess they know for the most part doesn't make any difference. [53:39.060 --> 53:45.060] They can answer it, they can fight it, and they can even win it in the end. [53:45.060 --> 53:49.060] But by the time they get there, it's not going to make any difference. [53:49.060 --> 53:58.060] When you file suit against them, it puts the lender in a unique position. [53:58.060 --> 54:02.060] Primarily what we've been trying to do is keep people in their houses. [54:02.060 --> 54:07.060] When you file suit against the lender in a federal court, it does not [54:07.060 --> 54:14.060] statutorily stop the lender from moving against you for foreclosure. [54:14.060 --> 54:18.060] However, they've all stopped. [54:18.060 --> 54:24.060] The reason they stopped is if the lender forces you out of the property, [54:24.060 --> 54:26.060] the property becomes empty. [54:26.060 --> 54:34.060] Since it's in litigation, the lender can't do anything with it until the litigation is over. [54:34.060 --> 54:42.060] And his problem is, is once the house is empty, you can't insure an empty house [54:42.060 --> 54:46.060] before everybody is still in their houses. [54:46.060 --> 54:50.060] So it looks like we're getting some calls up on the call board. [54:50.060 --> 54:53.060] Yeah, but wait, before we go to the calls, Randy, I wanted to ask you, [54:53.060 --> 55:00.060] you've had nine no-answer defaults in these lawsuits from your clients? [55:00.060 --> 55:01.060] Yes. [55:01.060 --> 55:07.060] Okay, so how does that jive with what you said earlier about that generally [55:07.060 --> 55:10.060] lawsuits and litigations take a long, long time? [55:10.060 --> 55:14.060] So then what happens if you get a no-answer default right off the bat? [55:14.060 --> 55:16.060] And what are people suing for? [55:16.060 --> 55:17.060] What is the causes of action? [55:17.060 --> 55:20.060] So those are some questions if you would answer, please. [55:20.060 --> 55:28.060] Okay, in preparing the suit, we start out with a claim of breach of fiduciary duty [55:28.060 --> 55:32.060] against the broker. [55:32.060 --> 55:35.060] Well, actually, we make no real claim against anyone but the lender. [55:35.060 --> 55:44.060] We accuse the lender of bribing the broker by charging the lender excessive fees, [55:44.060 --> 55:47.060] fees they're not allowed to charge, [55:47.060 --> 55:53.060] and then using those extra fees to bribe the broker to breach his fiduciary duty. [55:53.060 --> 55:56.060] The breach of fiduciary duty is cause of action. [55:56.060 --> 56:04.060] We accuse them of fraud by nondisclosure, common law fraud, [56:04.060 --> 56:08.060] of various violations of the Real Estate Settlement Procedures Act. [56:08.060 --> 56:14.060] And we start out by doing a number of calculations that I won't go through all the details of it, [56:14.060 --> 56:25.060] but by calculating the overpayments and the improper charges that the lenders make, [56:25.060 --> 56:30.060] especially on the truth-in-lending statement. [56:30.060 --> 56:35.060] Truth-in-lending statement is the statement that contains your payment amounts. [56:35.060 --> 56:39.060] About 75% of the time, that payment amount on the truth-in-lending statement [56:39.060 --> 56:47.060] is higher than what would be calculated based on the note that you agreed to pay. [56:47.060 --> 56:51.060] When you amortize the principal and interest on the note [56:51.060 --> 56:54.060] and then amortize principal and interest on the truth-in-lending statement, [56:54.060 --> 56:59.060] about 75% of the time, truth-in-lending statement calls for a higher payment. [56:59.060 --> 57:05.060] And we calculate how much you would overpay the note [57:05.060 --> 57:11.060] if you pay what the bank says you're supposed to as opposed to what you actually should. [57:11.060 --> 57:20.060] And then we subtract the amounts of the improper fees from the principal on the first payment [57:20.060 --> 57:23.060] and then recalculate the note. [57:23.060 --> 57:26.060] If you take $10,000 or $12,000 off the principal [57:26.060 --> 57:31.060] and then pay the amount the lender requested that you pay, [57:31.060 --> 57:35.060] you will wind up paying a tremendous amount extra. [57:35.060 --> 57:46.060] And then we calculate a number of penalties based on Real Estate Settlement Procedures Act violations. [57:46.060 --> 57:48.060] We generally come up with a number. [57:48.060 --> 57:55.060] On a $200,000 mortgage, we will generally find about $1.2 million [57:55.060 --> 57:59.060] in fraud claim that we can make against the lender. [57:59.060 --> 58:00.060] Unbelievable. [58:00.060 --> 58:06.060] Yeah, the way we can get it that high is in fraud. [58:06.060 --> 58:07.060] Okay, we're going to break. [58:07.060 --> 58:08.060] We're going to break. [58:08.060 --> 58:11.060] I'll explain on the other side how we get the number so high. [58:11.060 --> 58:13.060] And what about the no answer defaults? [58:13.060 --> 58:16.060] What is the advantage of that? [58:16.060 --> 58:18.060] Okay, we're going to break. [58:18.060 --> 58:23.060] Okay, when we come back from break, I'll explain what a big deal that is. [58:23.060 --> 58:24.060] Okay, all right. [58:24.060 --> 58:26.060] And just briefly go over those couple of points. [58:26.060 --> 58:30.060] We've got Carlos from California and Samuel from Georgia. [58:30.060 --> 58:31.060] Carlos and Samuel, just hang on the line. [58:31.060 --> 58:36.060] As soon as Randy finishes answering my questions, then we will go to your calls. [58:36.060 --> 58:41.060] This is the rule of law here on ruleoflawradio.com. [58:41.060 --> 58:49.060] You can listen at 512-485-9010 or at ruleoflawradio.com. [58:49.060 --> 58:55.060] Call in 512-646-1984 and enjoy us on the airwaves. [58:55.060 --> 58:58.060] 90.1 FM here in Austin, Texas. [59:25.060 --> 59:27.060] We'll be right back. [59:55.060 --> 01:00:04.060] This news brief brought to you by the International News Net. [01:00:04.060 --> 01:00:08.060] Former agriculture department employee Shirley Sherrod said Thursday [01:00:08.060 --> 01:00:11.060] she will sue conservative blogger Andrew Breitbart, [01:00:11.060 --> 01:00:15.060] the man who posted an edited video clip of Sherrod saying [01:00:15.060 --> 01:00:17.060] she discriminated against a white farmer. [01:00:17.060 --> 01:00:20.060] The clip led to Sherrod's forced resignation. [01:00:20.060 --> 01:00:23.060] However, it was later determined her speech, unedited, [01:00:23.060 --> 01:00:26.060] actually focused on how the incident made her realize [01:00:26.060 --> 01:00:29.060] people should move beyond race. [01:00:29.060 --> 01:00:33.060] At Britain's Iraq war inquiry, former British army chief, [01:00:33.060 --> 01:00:37.060] General Richard Dannet, said the simultaneous wars in Iraq and Afghanistan [01:00:37.060 --> 01:00:44.060] nearly broke the British military in 2006 when he took over as commander. [01:00:44.060 --> 01:00:49.060] The UK Guardian said Wednesday the Israeli ambassador to Britain, Ron Prozor, [01:00:49.060 --> 01:00:56.060] has met Sheikh Khalid bin Sakhar al-Kasimi, the exiled crown prince of Raas al-Kaimei, [01:00:56.060 --> 01:01:01.060] who asked Prozor for Israeli help in seizing control of the strategically important [01:01:01.060 --> 01:01:04.060] Persian Gulf emirate 40 miles from Iran. [01:01:04.060 --> 01:01:08.060] Khalid has spent $6 million on an international PR campaign [01:01:08.060 --> 01:01:13.060] claiming it would be safer if he were in charge. [01:01:13.060 --> 01:01:17.060] Senate Republicans Tuesday blocked a vote on a bill that would have forced [01:01:17.060 --> 01:01:22.060] special interest groups to disclose their donors when purchasing political ads. [01:01:22.060 --> 01:01:26.060] The legislation, a version of which has passed the House of Representatives, [01:01:26.060 --> 01:01:30.060] was offered in response to a Supreme Court decision earlier this year [01:01:30.060 --> 01:01:34.060] that erased federal limits on campaign expenditures for corporations, [01:01:34.060 --> 01:01:38.060] labor unions and special interests, allowing them to spend millions of dollars [01:01:38.060 --> 01:01:41.060] on political ads without restraint. [01:01:41.060 --> 01:01:45.060] The Senate bill known as the Disclose Act would force special interests [01:01:45.060 --> 01:01:49.060] to reveal their donors and require CEOs to record messages [01:01:49.060 --> 01:01:51.060] saying they stand by their ads. [01:01:51.060 --> 01:01:55.060] The act would also bar government contractors, foreign controlled corporations [01:01:55.060 --> 01:01:58.060] and companies that receive federal bailout funds [01:01:58.060 --> 01:02:03.060] from making campaign related expenditures. [01:02:03.060 --> 01:02:07.060] The U.S. military said Wednesday it is clamping down on contractors [01:02:07.060 --> 01:02:13.060] on U.S. military bases that use employees whose home countries ban travel to Iraq. [01:02:13.060 --> 01:02:17.060] Philippine citizens have been banned since 2004 from traveling to Iraq [01:02:17.060 --> 01:02:21.060] after insurgents threatened to behead a Filipino truck driver. [01:02:21.060 --> 01:02:24.060] And officials in the Philippines say they have repeatedly asked the U.S. [01:02:24.060 --> 01:02:27.060] and other countries to respect their ban. [01:02:27.060 --> 01:02:31.060] Nepal banned workers from going to Iraq after 12 Nepalese were executed [01:02:31.060 --> 01:02:33.060] by militants in 2004. [01:02:33.060 --> 01:02:37.060] Despite the bans, many citizens from Nepal and the Philippines still go to Iraq, [01:02:37.060 --> 01:02:41.060] joining the tens of thousands of contractors working in jobs ranging from security [01:02:41.060 --> 01:02:43.060] to kitchen staff on bases. [01:02:43.060 --> 01:02:47.060] Approximately 6,000 people from Nepal and the Philippines working for the Pentagon [01:02:47.060 --> 01:02:49.060] in Iraq could be affected. [01:02:49.060 --> 01:02:53.060] U.S. Colonel Richard Nolan of the military's contracting office in Iraq [01:02:53.060 --> 01:02:57.060] says companies have 20 days to conform with regulations. [01:02:57.060 --> 01:03:14.060] This news brief brought to you by the International News Net. [01:03:27.060 --> 01:03:50.060] All right, folks, we are back. [01:03:50.060 --> 01:03:53.060] Rule of law. [01:03:53.060 --> 01:03:57.060] Randy Kelton, Eddie Craig, Deborah Stevens here with you, [01:03:57.060 --> 01:03:59.060] and we've got some callers on the board. [01:03:59.060 --> 01:04:01.060] Callers, we will be right with you. [01:04:01.060 --> 01:04:05.060] Randy is finishing answering a couple of questions that I asked before the break [01:04:05.060 --> 01:04:09.060] regarding the credit default, I'm sorry, [01:04:09.060 --> 01:04:15.060] regarding the no answer defaults and also you were going to, [01:04:15.060 --> 01:04:19.060] why that is such a big deal and what the advantage of that is. [01:04:19.060 --> 01:04:23.060] And also, Randy, you were going to finish briefly explaining how you get these [01:04:23.060 --> 01:04:25.060] numbers so high in the suit. [01:04:25.060 --> 01:04:28.060] So if you could just briefly answer those questions so we can get to the calls. [01:04:28.060 --> 01:04:34.060] Yes, how we get the numbers so high is in fraud, [01:04:34.060 --> 01:04:41.060] you don't claim the amount the perpetrator actually defrauded you of. [01:04:41.060 --> 01:04:45.060] You claim the amount they would have defrauded you of had their plan ran through [01:04:45.060 --> 01:04:50.060] the operation and one of the first loans that I worked, [01:04:50.060 --> 01:04:55.060] the lender, if he paid the amount the bank claimed, [01:04:55.060 --> 01:05:00.060] he would be paying $47 a month extra, [01:05:00.060 --> 01:05:08.060] $47 a month extra on a $115,000 30-year note. [01:05:08.060 --> 01:05:14.060] The $47 extra a month, if he paid that the full 30 years, [01:05:14.060 --> 01:05:18.060] he would overpay the note by $44,000. [01:05:18.060 --> 01:05:22.060] That's because every month you take an extra $47 off the principal, [01:05:22.060 --> 01:05:25.060] you don't pay interest on that next month. [01:05:25.060 --> 01:05:28.060] And then next month it's $100,000, then $150,000, $200,000. [01:05:28.060 --> 01:05:32.060] This adds up really fast because on the front end of the note, [01:05:32.060 --> 01:05:34.060] most of what you're paying is interest, [01:05:34.060 --> 01:05:38.060] and that drops much more steeply if you're overpaying. [01:05:38.060 --> 01:05:41.060] Now this note was only five years old, [01:05:41.060 --> 01:05:45.060] but in fraud you don't claim the amount they actually stole from you. [01:05:45.060 --> 01:05:48.060] You claim the amount they would have. [01:05:48.060 --> 01:05:53.060] So in this case on this first calculation we claim $44,000, [01:05:53.060 --> 01:05:56.060] but you don't sue for that amount. [01:05:56.060 --> 01:05:59.060] You sue for three times that amount. [01:05:59.060 --> 01:06:11.060] So we got a claim of $120,000 on the first calculation. [01:06:11.060 --> 01:06:15.060] And then we take all the fees that they charged you at settlement [01:06:15.060 --> 01:06:24.060] and say you failed to produce documentation to show that these fees were proper [01:06:24.060 --> 01:06:27.060] in accordance with law, necessary, [01:06:27.060 --> 01:06:29.060] and the amounts charged were reasonable. [01:06:29.060 --> 01:06:30.060] So prove them up. [01:06:30.060 --> 01:06:32.060] If you failed to prove them up, we take them all off the head of the note. [01:06:32.060 --> 01:06:36.060] In this case it was a little over $12,000. [01:06:36.060 --> 01:06:41.060] We took it off as an initial payment and calculated the note. [01:06:41.060 --> 01:06:46.060] If you paid the amount they claimed for 30 years with this $12,000 missing, [01:06:46.060 --> 01:06:50.060] you'd overpay the note over $50,000. [01:06:50.060 --> 01:06:53.060] And then we claim real estate settlement procedures. [01:06:53.060 --> 01:06:54.060] I won't even go into those, [01:06:54.060 --> 01:06:59.060] but normally we can come up with four or five times the amount of the original [01:06:59.060 --> 01:07:02.060] principal in fraud claim. [01:07:02.060 --> 01:07:08.060] And as to no answer default, [01:07:08.060 --> 01:07:14.060] no answer defaults are overturned about 75% of the time. [01:07:14.060 --> 01:07:20.060] And the reason that happens is on a no answer default generally the plaintiff [01:07:20.060 --> 01:07:29.060] either deliberately never noticed the defendant or just screwed up in service, [01:07:29.060 --> 01:07:32.060] didn't get the service right, served the wrong person, [01:07:32.060 --> 01:07:36.060] something so that the individual had no idea he'd been sued. [01:07:36.060 --> 01:07:39.060] You've got 21 days to answer. [01:07:39.060 --> 01:07:44.060] If you didn't know you got sued, you're going to have a hard time answering. [01:07:44.060 --> 01:07:48.060] So then they come back to the court and challenge proper service. [01:07:48.060 --> 01:07:55.060] That's just about your only defense to a no answer default. [01:07:55.060 --> 01:08:03.060] In this case, we deliberately structured the suit so it would be hard to answer. [01:08:03.060 --> 01:08:05.060] It was a very long suit. [01:08:05.060 --> 01:08:08.060] I worked almost a year putting it together. [01:08:08.060 --> 01:08:14.060] And it had so many issues in it, they just can't seem to get through. [01:08:14.060 --> 01:08:16.060] We've never had a proper answer to it. [01:08:16.060 --> 01:08:19.060] Generally they answer with a one-liner. [01:08:19.060 --> 01:08:23.060] We deny all allegations by plaintiff. [01:08:23.060 --> 01:08:29.060] When I get one of those, we immediately file motion to strike nonresponsive, [01:08:29.060 --> 01:08:31.060] motion for no answer default. [01:08:31.060 --> 01:08:33.060] But we haven't done any of those. [01:08:33.060 --> 01:08:35.060] We've got just no answers. [01:08:35.060 --> 01:08:37.060] They just were failing to answer. [01:08:37.060 --> 01:08:42.060] So when that happens, you go to the clerk of the court, [01:08:42.060 --> 01:08:46.060] and the clerk of the court, you give the clerk of the court your proof of service. [01:08:46.060 --> 01:08:53.060] Always when you file a suit, the first pleading must be served by a process server. [01:08:53.060 --> 01:08:58.060] And I suggest that if you're in a state that will allow an ordinary person [01:08:58.060 --> 01:09:02.060] without license to serve it, don't. [01:09:02.060 --> 01:09:09.060] Hire a licensed process server to serve that document because that is so critical. [01:09:09.060 --> 01:09:13.060] So after that's served, they've got 21 days to answer. [01:09:13.060 --> 01:09:15.060] If they don't, you go to the clerk and you say, [01:09:15.060 --> 01:09:17.060] here's the proof of service. [01:09:17.060 --> 01:09:19.060] They were served on this day. [01:09:19.060 --> 01:09:23.060] The clerk will go look in the record and find no answer. [01:09:23.060 --> 01:09:31.060] If she counts the days and it's more than 21, the clerk signs the default. [01:09:31.060 --> 01:09:34.060] Sudden death. [01:09:34.060 --> 01:09:39.060] When you fail to answer a lawsuit, the court presumes that you stipulate [01:09:39.060 --> 01:09:45.060] to everything that was claimed in the lawsuit, that you agree. [01:09:45.060 --> 01:09:49.060] The courts don't like it when you ignore them. [01:09:49.060 --> 01:09:55.060] So then the only thing left is you prepare a writ of execution for the court [01:09:55.060 --> 01:10:05.060] and ask the court to grant you a judgment against the other party. [01:10:05.060 --> 01:10:08.060] Now, there's one thing that can happen. [01:10:08.060 --> 01:10:12.060] If you ask for a quiet title, you get quiet title out of hand. [01:10:12.060 --> 01:10:17.060] If you claim penalties, penalties don't need to be adjudicated [01:10:17.060 --> 01:10:19.060] because they're stipulated to, you get the penalties. [01:10:19.060 --> 01:10:27.060] But if you claim monetary injury or monetary damages, those have to be adjudicated [01:10:27.060 --> 01:10:32.060] so there would need to be a prove-up hearing where you come into the court [01:10:32.060 --> 01:10:38.060] and you have to prove to the court that you have a right to these specific damages [01:10:38.060 --> 01:10:40.060] in order to get those. [01:10:40.060 --> 01:10:45.060] But for our purposes, primary thing is quiet title. [01:10:45.060 --> 01:10:52.060] The loan goes away, the lien goes away, you get the property free and clear. [01:10:52.060 --> 01:10:57.060] So no answer default is really a big deal. [01:10:57.060 --> 01:11:02.060] But Randy, you were saying that no answer defaults get overturned 75% of the time. [01:11:02.060 --> 01:11:06.060] So do you expect any of these no answer defaults to get overturned? [01:11:06.060 --> 01:11:15.060] No, they get overturned 75% of the time because 75% of the time it was an error [01:11:15.060 --> 01:11:20.060] that the other side never saw the complaint start yet. [01:11:20.060 --> 01:11:22.060] They're so rare. [01:11:22.060 --> 01:11:25.060] That's why the clerks don't know what to do with them. [01:11:25.060 --> 01:11:26.060] I see. [01:11:26.060 --> 01:11:27.060] Because it just almost never happens. [01:11:27.060 --> 01:11:28.060] I see. [01:11:28.060 --> 01:11:34.060] So pretty much when there's a no answer default for legitimate reasons, it's over. [01:11:34.060 --> 01:11:38.060] There's nothing that the defendant can do. [01:11:38.060 --> 01:11:39.060] Right. [01:11:39.060 --> 01:11:49.060] We have two where the defendant's attorney on the last day sent a notice of appearance. [01:11:49.060 --> 01:11:51.060] Are they out of their minds? [01:11:51.060 --> 01:11:53.060] That's not an answer. [01:11:53.060 --> 01:11:55.060] That's worse. [01:11:55.060 --> 01:11:59.060] That's a general appearance. [01:11:59.060 --> 01:12:05.060] If you challenge service, you have to come in under a challenge to subject matter jurisdiction, [01:12:05.060 --> 01:12:07.060] a special appearance. [01:12:07.060 --> 01:12:10.060] I come before the court at arm's length to the court. [01:12:10.060 --> 01:12:12.060] This is not a general appearance. [01:12:12.060 --> 01:12:16.060] I do not accept the subject matter jurisdiction of the court. [01:12:16.060 --> 01:12:17.060] I challenge it. [01:12:17.060 --> 01:12:22.060] You do anything else and you waive the question of service. [01:12:22.060 --> 01:12:23.060] I see. [01:12:23.060 --> 01:12:31.060] So these morons sent this notice of appearance as a general appearance and waived any question of service. [01:12:31.060 --> 01:12:32.060] Well, there you go. [01:12:32.060 --> 01:12:38.060] So the default is pretty much written in stone at that point, I would imagine. [01:12:38.060 --> 01:12:40.060] It sure appears to be. [01:12:40.060 --> 01:12:46.060] Now, is that going to stop any potential future foreclosures getting these no answer defaults? [01:12:46.060 --> 01:12:47.060] Well, you've got quiet title. [01:12:47.060 --> 01:12:48.060] It's over. [01:12:48.060 --> 01:12:49.060] Oh, okay. [01:12:49.060 --> 01:12:50.060] Well, that's fantastic. [01:12:50.060 --> 01:12:52.060] So you've had nine so far. [01:12:52.060 --> 01:12:57.060] I'm very proud of you, Randy, Randy Kelton, our very own Randy Kelton. [01:12:57.060 --> 01:12:58.060] This is wonderful news. [01:12:58.060 --> 01:13:03.060] You're helping people keep their homes from being stolen by these evil banksters. [01:13:03.060 --> 01:13:04.060] Okay. [01:13:04.060 --> 01:13:05.060] So you ready to go to some calls? [01:13:05.060 --> 01:13:06.060] Yes, I am. [01:13:06.060 --> 01:13:07.060] Okay. [01:13:07.060 --> 01:13:09.060] We've got some calls on the board here. [01:13:09.060 --> 01:13:10.060] We've got Carlos in California. [01:13:10.060 --> 01:13:12.060] Carlos, thanks for calling in. [01:13:12.060 --> 01:13:13.060] Where's your question? [01:13:13.060 --> 01:13:17.060] What's on your mind tonight? [01:13:17.060 --> 01:13:18.060] Carlos, are you there? [01:13:18.060 --> 01:13:19.060] Yes, I'm here. [01:13:19.060 --> 01:13:20.060] Okay. [01:13:20.060 --> 01:13:22.060] I have a question. [01:13:22.060 --> 01:13:23.060] Okay. [01:13:23.060 --> 01:13:27.060] I went to my home, went to a trusted sale yesterday. [01:13:27.060 --> 01:13:28.060] Okay. [01:13:28.060 --> 01:13:31.060] But before I forget, let me tell you what happened. [01:13:31.060 --> 01:13:40.060] I did a loan examination and they found out my real question, what can I do with a notary [01:13:40.060 --> 01:13:43.060] who notarized something and they had the person in front of them. [01:13:43.060 --> 01:13:45.060] How do I know that? [01:13:45.060 --> 01:13:51.060] Because the document is signed, the trusted sale notice of it was signed and then it was [01:13:51.060 --> 01:13:52.060] notarized later. [01:13:52.060 --> 01:13:54.060] So that means they did it later. [01:13:54.060 --> 01:13:55.060] But this is my point. [01:13:55.060 --> 01:14:00.060] I sent them three letters telling them to verify that loan and prove that they are the [01:14:00.060 --> 01:14:05.060] holders in due course and the creditors and I will pay them within 72 hours. [01:14:05.060 --> 01:14:07.060] I mailed three letters. [01:14:07.060 --> 01:14:08.060] They ignored me. [01:14:08.060 --> 01:14:10.060] I rescinded my loan. [01:14:10.060 --> 01:14:15.060] As soon as I rescinded the loan, they ignored me. [01:14:15.060 --> 01:14:16.060] I told them they did. [01:14:16.060 --> 01:14:24.060] I have a foreclosure investigation which they investigate whether or not they did the process [01:14:24.060 --> 01:14:25.060] accordingly. [01:14:25.060 --> 01:14:27.060] They did not have that all in writing. [01:14:27.060 --> 01:14:29.060] So I had the right to rescind the note. [01:14:29.060 --> 01:14:31.060] I rescinded it and I sent them the letters. [01:14:31.060 --> 01:14:33.060] Look, you're doing this. [01:14:33.060 --> 01:14:38.060] You're doing this under 2924 and I explained everything and sent them letters to everybody. [01:14:38.060 --> 01:14:39.060] They ignored me. [01:14:39.060 --> 01:14:42.060] They took the home to the trusted sale. [01:14:42.060 --> 01:14:45.060] This is something funny because I have experience. [01:14:45.060 --> 01:14:46.060] I've been to a lot of trusted sales. [01:14:46.060 --> 01:14:47.060] Usually nobody bids. [01:14:47.060 --> 01:14:49.060] It goes back to the beneficiary. [01:14:49.060 --> 01:14:51.060] This one they try to sell it twice. [01:14:51.060 --> 01:14:57.060] They drop the price twice because they know they already received my documents or rescission [01:14:57.060 --> 01:14:58.060] of the loan. [01:14:58.060 --> 01:15:05.060] And the point is what am I supposed to do right now and what can I do with that notary? [01:15:05.060 --> 01:15:10.060] Did the home sale sell? [01:15:10.060 --> 01:15:12.060] It went back to the beneficiary. [01:15:12.060 --> 01:15:18.060] I went to the trusted sale because I wanted to make sure it did not go to an innocent party. [01:15:18.060 --> 01:15:23.060] I wanted it to go back to the bank so I can go after them after criminal charges. [01:15:23.060 --> 01:15:25.060] Wonderful. [01:15:25.060 --> 01:15:33.060] I suggest you file a civil action against them first and in the civil action make criminal [01:15:33.060 --> 01:15:43.060] accusations and include copies of the criminal complaint as exhibits to the civil action. [01:15:43.060 --> 01:15:50.060] And one other thing, prepare a request for a grand jury investigation. [01:15:50.060 --> 01:15:56.060] You're in California and California actually has one of the best grand jury systems in [01:15:56.060 --> 01:16:04.060] that the California grand jury system is still implemented in the way that it was originally intended [01:16:04.060 --> 01:16:12.060] in that the grand jury in California can not only investigate into criminal accusations, [01:16:12.060 --> 01:16:17.060] they can investigate into about anything they want to. [01:16:17.060 --> 01:16:26.060] So I'm suggesting that everyone in California who files a civil action in a foreclosure issue, [01:16:26.060 --> 01:16:35.060] prepare a request for a grand jury investigation, send it to the foreman of the grand jury. [01:16:35.060 --> 01:16:38.060] Okay, Carlos, do you have anything else for us? [01:16:38.060 --> 01:16:43.060] Yes, I want to find out where you get the losses from. [01:16:43.060 --> 01:16:45.060] Randy, did you hear that? [01:16:45.060 --> 01:16:47.060] Where do you get the loss from? [01:16:47.060 --> 01:16:50.060] I think you have to sign up for Randy's coins. [01:16:50.060 --> 01:16:53.060] He was there. He was there Friday. [01:16:53.060 --> 01:16:56.060] Okay, listen, we're going to break. [01:16:56.060 --> 01:16:58.060] I want to whack you where you go. [01:16:58.060 --> 01:17:01.060] We're going to break. We'll be right back. 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[01:20:57.060 --> 01:21:07.060] I'm a cashier at Capital Coin and Bullion. [01:21:07.060 --> 01:21:17.060] I'm a cashier at Capital Coin and Bullion. [01:21:17.060 --> 01:21:27.060] I'm a cashier at Capital Coin and Bullion. [01:21:27.060 --> 01:21:37.060] I'm a cashier at Capital Coin and Bullion. [01:21:37.060 --> 01:21:47.060] I'm a cashier at Capital Coin and Bullion. [01:21:47.060 --> 01:21:57.060] I'm a cashier at Capital Coin and Bullion. [01:21:57.060 --> 01:22:07.060] I'm a cashier at Capital Coin and Bullion. [01:22:07.060 --> 01:22:17.060] I'm a cashier at Capital Coin and Bullion. [01:22:17.060 --> 01:22:27.060] I'm a cashier at Capital Coin and Bullion. [01:22:27.060 --> 01:22:37.060] I'm a cashier at Capital Coin and Bullion. [01:22:37.060 --> 01:22:57.060] I'm a cashier at Capital Coin and Bullion. [01:22:57.060 --> 01:23:07.060] I'm a cashier at Capital Coin and Bullion. [01:23:07.060 --> 01:23:31.060] I'm a cashier at Capital Coin and Bullion. [01:23:31.060 --> 01:23:51.060] I'm a cashier at Capital Coin and Bullion. [01:23:51.060 --> 01:24:05.060] I'm a cashier at Capital Coin and Bullion. [01:24:05.060 --> 01:24:25.060] I'm a cashier at Capital Coin and Bullion. [01:24:25.060 --> 01:24:39.060] Okay. [01:24:39.060 --> 01:24:51.060] Okay. [01:24:51.060 --> 01:25:01.060] I'm a cashier at Capital Coin and Bullion. [01:25:01.060 --> 01:25:11.060] I'm a cashier at Capital Coin and Bullion. [01:25:11.060 --> 01:25:19.060] I'm a cashier at Capital Coin and Bullion. [01:25:19.060 --> 01:25:29.060] I'm a cashier at Capital Coin and Bullion. [01:25:29.060 --> 01:25:39.060] I'm a cashier at Capital Coin and Bullion. [01:25:39.060 --> 01:25:49.060] I'm a cashier at Capital Coin and Bullion. [01:25:49.060 --> 01:26:09.060] Okay. [01:26:09.060 --> 01:26:13.060] Okay. [01:26:13.060 --> 01:26:19.060] Mark, thanks for calling in. What's on your mind tonight? [01:26:19.060 --> 01:26:31.060] Hey, hello. I was wondering, Randy, could you cite those cases that you're winning the default judgments on, either on a website or somewhere so we can have a look at the complaint? [01:26:31.060 --> 01:26:35.060] Are you there, Randy? [01:26:35.060 --> 01:26:39.060] Randy, you may have dropped off the line. [01:26:39.060 --> 01:26:43.060] I didn't like, again, what I wasn't looking. [01:26:43.060 --> 01:26:47.060] What are you trying to do, Mark, kill Randy's business? [01:26:47.060 --> 01:26:54.060] We're trying to figure out a way that we can support the radio network around here. I don't think he wants to publish the lawsuit. [01:26:54.060 --> 01:27:07.060] Well, my brother's saving up $1,000 for him right now anyway, so I just wondered if he was going to make those available. [01:27:07.060 --> 01:27:11.060] Sorry, folks, the phone bridge is messing up. [01:27:11.060 --> 01:27:12.060] You still there? [01:27:12.060 --> 01:27:13.060] Yeah, Randy, are you there? [01:27:13.060 --> 01:27:15.060] Oh, just come back. I don't know what happened. [01:27:15.060 --> 01:27:19.060] Sorry, the phone bridge dropped and then it reconnected. Sorry about that, folks. [01:27:19.060 --> 01:27:28.060] Yeah, I'm here. It wouldn't be appropriate. Each of these suits are specific to the individual. [01:27:28.060 --> 01:27:42.060] What I do is a set of calculations. Well, actually, I don't do it. I have a program set up that we enter a set of – you enter the numbers off your HUD-1 settlement statement note through your lending statement, [01:27:42.060 --> 01:27:52.060] and it does a set of calculations to calculate the amount of fraud, and then it adds that to a relatively generic lawsuit. [01:27:52.060 --> 01:28:02.060] This is the only part that's not generic, but this establishes an absolute claim on which recovery can be had, [01:28:02.060 --> 01:28:10.060] so it avoids the standard Rule 12 motion to dismiss for failure a stated claim on which recovery can be had. [01:28:10.060 --> 01:28:31.060] The rest of the claims are generic to most every consumer mortgage in the country, the issues of agency standing capacity, the validity of the security instrument, the validity of the lien document. [01:28:31.060 --> 01:28:46.060] We put in a lot of claims to make it real hard to answer, but since all of these are individuals, I'm reluctant to post them all, and especially wouldn't do it unless I got the individual's names. [01:28:46.060 --> 01:28:54.060] But, Mark, if you will send me an email, I will certainly send you some contacts so you can talk to some of these people. [01:28:54.060 --> 01:29:01.060] That's hot. Hey, I had another thing going on, Randy. You were talking about summons. [01:29:01.060 --> 01:29:08.060] Well, I tried to save some money, and I sent out a waiver of service of summons, and so the company sent it back. [01:29:08.060 --> 01:29:20.060] There's a motorcycle going by. The company sent it back, and later on they signed it, and the attorney says that he wasn't going to waive service of summons. [01:29:20.060 --> 01:29:36.060] The people I'm suing, their attorney said he wasn't going to do that, so I called Eddie, and he said just file for judicial determination so the judge can decide if the waiver of service of summons is going to stand as issued. [01:29:36.060 --> 01:29:53.060] Well, I'll tell you on the other side. Okay. It's Randy Kelton, Debra Stevens, Eddie Craig. We'll address the summons. I always suggest have it summoned by a pro. It eliminates that problem. [01:29:53.060 --> 01:30:01.060] We'll be right back on the other side. [01:30:01.060 --> 01:30:10.060] It is so enlightening to listen to 90.1 FM, but finding things on the Internet isn't so easy, and neither is finding like-minded people to share it with. [01:30:10.060 --> 01:30:13.060] Oh, well, I guess you haven't heard of Brave New Books, then. [01:30:13.060 --> 01:30:14.060] Brave New Books? [01:30:14.060 --> 01:30:25.060] Yes. Brave New Books has all the books and DVDs you're looking for by authors like Alex Jones, Ron Paul, and G. Edward Griffin. They even stock inner food, Berkey products, and Calvin Soaps. [01:30:25.060 --> 01:30:27.060] There's no way a place like that exists. [01:30:27.060 --> 01:30:33.060] Go check it out for yourself. It's downtown at 1904 Guadalupe Street, just south of UT. [01:30:33.060 --> 01:30:36.060] By UT, there's never anywhere to park down there. [01:30:36.060 --> 01:30:44.060] Actually, they now offer a free hour of parking for paying customers at the 500 MLK parking facility, just behind the bookstore. [01:30:44.060 --> 01:30:48.060] It does exist, but when are they open? [01:30:48.060 --> 01:31:01.060] Monday through Saturday, 11 AM to 9 PM, and 1 to 6 PM on Sundays. So give them a call at 512-480-2503, or check out their events page at bravenewbookstore.com. [01:31:01.060 --> 01:31:06.060] Are you being harassed by debt collectors with phone calls, letters, or even lawsuits? [01:31:06.060 --> 01:31:10.060] Stop debt collectors now with the Michael Mears Proven Method. [01:31:10.060 --> 01:31:16.060] Michael Mears has won six cases in federal court against debt collectors, and now you can win two. [01:31:16.060 --> 01:31:22.060] You'll get step-by-step instructions in plain English on how to win in court using federal civil rights statutes. [01:31:22.060 --> 01:31:26.060] What to do when contacted by phone, mail, or court summons. [01:31:26.060 --> 01:31:28.060] How to answer letters and phone calls. [01:31:28.060 --> 01:31:30.060] How to get debt collectors out of your credit report. [01:31:30.060 --> 01:31:35.060] How to turn the financial tables on them and make them pay you to go away. [01:31:35.060 --> 01:31:40.060] The Michael Mears Proven Method is the solution for how to stop debt collectors. [01:31:40.060 --> 01:31:42.060] Personal consultation is available as well. [01:31:42.060 --> 01:31:50.060] For more information, please visit ruleoflawradio.com and click on the blue Michael Mears banner, or email michaelmears at yahoo.com. [01:31:50.060 --> 01:32:02.060] That's ruleoflawradio.com, or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com to learn how to stop debt collectors now. [01:32:02.060 --> 01:32:12.060] Yeah, and who you want to chip? Who you take me for? Fritoly? What do you want to chip? Me no Fritoly. You can't chip me. Oh, I'm sorry. [01:32:12.060 --> 01:32:16.060] Don't let them chip you in the morning. Chip you in the evening. Put a chip in your body. [01:32:16.060 --> 01:32:20.060] And then when you go computer reading, you can't hide me from nobody. [01:32:20.060 --> 01:32:28.060] When me say chip in your mom, chip in your daddy. Chip in your grandpa and the granny. Chip in me, chip in your baby. [01:32:28.060 --> 01:32:35.060] Chip in your family, your whole family. Chip in your dad and the cap around me. Chip in the beef and you still go eat it. [01:32:35.060 --> 01:32:42.060] Chip in the fish, them all in the sea. Chip in the shark and the whale around me. You know still mankind gone chip crazy. [01:32:42.060 --> 01:32:49.060] They're the kind of thing, man, they want to be. Social security, they've got to be. Number with them, give me, then we put up your seat. [01:32:49.060 --> 01:32:54.060] Yeah, I'm chip you in the morning. Chip you in the evening. Chip you all at dinner time. [01:32:54.060 --> 01:32:59.060] Experiment on mankind. But man, you know, say them lying. [01:32:59.060 --> 01:33:04.060] Well, when you want a chip, man, you have your body. Freedom or something, man, you fight for it. [01:33:04.060 --> 01:33:09.060] You should tell them that if we read it. Constitution set us free. [01:33:09.060 --> 01:33:14.060] Don't let them put no chip in your body. Put no chip in your dog or cat, you see. [01:33:14.060 --> 01:33:19.060] No, put no chip in your cow and go eat it. No, put no chip in the fish and go eat it. [01:33:19.060 --> 01:33:24.060] All in the wheel and the shark in the sea. Put the little chip in the little baby. [01:33:24.060 --> 01:33:29.060] Want to put the chip in a grumpa, you see. Want to put the little chip in a high man body. [01:33:29.060 --> 01:33:34.060] If me go hide in the Atlantic Sea. Mung in half the life, me say go go find me. [01:33:34.060 --> 01:33:38.060] Satellite get bad, satellite get angry. Two chip them use, me say crash up, you see. [01:33:38.060 --> 01:33:43.060] Me say chip in the morning. Chip in the evening. Chip in your body. [01:33:43.060 --> 01:33:48.060] Man don't let them come come chip we. Put no chip in the little baby. [01:33:48.060 --> 01:33:52.060] Chip in the morning. Chip in the evening. They want to come and not chip me. [01:33:52.060 --> 01:33:57.060] But they want to chip all in the sea. And the shark and the wheel around me. [01:33:57.060 --> 01:34:03.060] When me say chip for your mom, chip for your daddy. Chip for the grump, little little baby. [01:34:03.060 --> 01:34:07.060] Okay folks, we are back. We are with Mark in Wisconsin. [01:34:07.060 --> 01:34:10.060] Okay Mark, what did you have for us? [01:34:10.060 --> 01:34:14.060] So anyway, I filed the motion for judicial determination. [01:34:14.060 --> 01:34:19.060] I thought why don't I do it Randy style and throw in a motion for sanctions too. [01:34:19.060 --> 01:34:24.060] And when I mentioned sanctions, the girl's eyes just lit up. [01:34:24.060 --> 01:34:29.060] Her face turned red and she started, her voice started cracking everywhere. [01:34:29.060 --> 01:34:34.060] Now is this unusual to file for sanctions, motion for sanctions, Randy? [01:34:34.060 --> 01:34:40.060] Oh yeah, attorneys never do that to each other. [01:34:40.060 --> 01:34:44.060] Were you talking to an attorney? [01:34:44.060 --> 01:34:50.060] No, I was talking to one of the clerk of court's assistants. [01:34:50.060 --> 01:34:57.060] She might have been afraid you were filing something against her. [01:34:57.060 --> 01:35:02.060] Yeah, it's unusual. Attorneys generally don't do that to each other. [01:35:02.060 --> 01:35:07.060] So one attorney is not going to do it because the other is going to do it to him. [01:35:07.060 --> 01:35:13.060] So it is unusual. And that's one of the tactics that we use. [01:35:13.060 --> 01:35:18.060] We try to draw a Rule 12 motion to dismiss. [01:35:18.060 --> 01:35:22.060] Because attorneys do that as a matter of course. [01:35:22.060 --> 01:35:27.060] The one attorney files the Rule 12, the other attorney says, oh my goodness, look what we got. [01:35:27.060 --> 01:35:32.060] They both charged their client a thousand bucks. [01:35:32.060 --> 01:35:38.060] And the one attorney files the same Rule 12 motion, he's filed 50 times. [01:35:38.060 --> 01:35:43.060] The other one gets it and gets all excited and charged his client a bunch of money and gives, [01:35:43.060 --> 01:35:47.060] files the answer, he's filed 50 times. [01:35:47.060 --> 01:35:54.060] They never approve it because the attorneys don't want the case thrown out because there goes their cash cow. [01:35:54.060 --> 01:35:57.060] But we're different. [01:35:57.060 --> 01:36:02.060] When they filed the Rule 12 in our case, we filed sanctions against them for it. [01:36:02.060 --> 01:36:04.060] Attorneys never do that to each other. [01:36:04.060 --> 01:36:08.060] So that's not too aggressive when you're going Randy Kelton style, right? [01:36:08.060 --> 01:36:10.060] Absolutely not. [01:36:10.060 --> 01:36:14.060] Okay, and the other question is I asked the clerk, should I set this for motion? [01:36:14.060 --> 01:36:16.060] And she said no, the judge will handle it. [01:36:16.060 --> 01:36:19.060] And I'm wondering how the judge is going to handle it without me. [01:36:19.060 --> 01:36:24.060] Is he going to have an ex parte hearing or what? [01:36:24.060 --> 01:36:28.060] Don't pay any attention to what the clerk of the court says. [01:36:28.060 --> 01:36:29.060] All right. [01:36:29.060 --> 01:36:34.060] Contact the judge's coordinator and see what she has to say. [01:36:34.060 --> 01:36:38.060] Ask her to put this on for hearing. [01:36:38.060 --> 01:36:46.060] If you want it right away, ask the clerk, the judge's coordinator or clerk, whatever they call her, [01:36:46.060 --> 01:36:58.060] when will the judge next sit for motion hearings and ask that it be put on for hearing the next time the judge sits for that purpose? [01:36:58.060 --> 01:37:07.060] And then if that's true that the judge sets those, the judge's coordinator will tell you that. [01:37:07.060 --> 01:37:09.060] All right, so don't pay any attention to the clerk of the court. [01:37:09.060 --> 01:37:11.060] She don't know nothing. [01:37:11.060 --> 01:37:18.060] Apparently they can still ignore a motion even though they've got it in the court records if you don't set it for hearing? [01:37:18.060 --> 01:37:19.060] Right. [01:37:19.060 --> 01:37:22.060] You have to set it. [01:37:22.060 --> 01:37:24.060] If you don't, it can just sit there. [01:37:24.060 --> 01:37:25.060] And this is the way you set it. [01:37:25.060 --> 01:37:36.060] You call the clerk of the court, I mean the judge's coordinator, and set it with her because she keeps his calendar. [01:37:36.060 --> 01:37:37.060] Okay, good enough. [01:37:37.060 --> 01:37:38.060] Hey, thanks a lot. [01:37:38.060 --> 01:37:39.060] I appreciate it. [01:37:39.060 --> 01:37:40.060] You're welcome. [01:37:40.060 --> 01:37:41.060] Thanks, Mark. [01:37:41.060 --> 01:37:42.060] Have a good night. [01:37:42.060 --> 01:37:43.060] Good job. [01:37:43.060 --> 01:37:45.060] Okay, we're going now to Steve in Texas. [01:37:45.060 --> 01:37:47.060] Steve, thanks for calling in. [01:37:47.060 --> 01:37:48.060] And then after Steve is Rob. [01:37:48.060 --> 01:37:50.060] Steve, what's on your mind tonight? [01:37:50.060 --> 01:37:52.060] Hey, Randy, how are you doing? [01:37:52.060 --> 01:37:54.060] How are you doing, Steve? [01:37:54.060 --> 01:37:55.060] Pretty good. [01:37:55.060 --> 01:37:57.060] How's it going with your daughter? [01:37:57.060 --> 01:38:03.060] Well, we got a response and then you just mentioned some magic words. [01:38:03.060 --> 01:38:18.060] They come after us for Rule B612E, Rule 9, Rule 8 stating that the complaint we filed was a copycat complaint [01:38:18.060 --> 01:38:25.060] and that there were two others filed in the Western District identical to the same case. [01:38:25.060 --> 01:38:35.060] And they filed a motion to dismiss based on those and also based on failure to state a claim upon which relief can be granted. [01:38:35.060 --> 01:38:36.060] Wonderful. [01:38:36.060 --> 01:38:37.060] Wonderful. [01:38:37.060 --> 01:38:50.060] File for sanctions, you have the stated amount of claim and file for sanctions because for failure to speak with candor to the court, [01:38:50.060 --> 01:38:58.060] ask them to show another suit that states the amount of fraud that your suit stated [01:38:58.060 --> 01:39:05.060] and that lists very specifically the fees they claim are fraudulent. [01:39:05.060 --> 01:39:06.060] Okay. [01:39:06.060 --> 01:39:08.060] Because those are not the same. [01:39:08.060 --> 01:39:21.060] And then you might indicate to the court that the fact that the lender steals from everybody in the same way is not a reason to deny the claim. [01:39:21.060 --> 01:39:25.060] Perhaps the lender would prefer that you file a RICO suit against them. [01:39:25.060 --> 01:39:27.060] Yeah, I was going to say. [01:39:27.060 --> 01:39:31.060] Oh, but it's okay for us to do this because we steal from everyone. [01:39:31.060 --> 01:39:34.060] Give me a break. [01:39:34.060 --> 01:39:38.060] We got another issue which we didn't even address, Randy. [01:39:38.060 --> 01:39:46.060] They sent us an offer to vacate and in the letter they stated that the loan was sold to Bank of America [01:39:46.060 --> 01:39:50.060] and they were the new trustee. [01:39:50.060 --> 01:39:53.060] Well, I went to the courthouse and pulled the records. [01:39:53.060 --> 01:40:02.060] They never did a sale or a transfer to the servicing agent supposedly as BOA. [01:40:02.060 --> 01:40:13.060] Then that's another reason for sanctions and a reason to file criminal charges against them for fraud and tampering with a government document. [01:40:13.060 --> 01:40:16.060] Okay. [01:40:16.060 --> 01:40:17.060] Go for them. [01:40:17.060 --> 01:40:18.060] Let's make it interesting. [01:40:18.060 --> 01:40:34.060] They failed to file the – either they committed fraud on the court or they failed to file the sale of the security instrument in the public record [01:40:34.060 --> 01:40:39.060] and thereby participated in the sale of illegal securities. [01:40:39.060 --> 01:40:41.060] Take your pick, Bubba. [01:40:41.060 --> 01:40:42.060] Right. [01:40:42.060 --> 01:40:47.060] And also the notary is out of their office. [01:40:47.060 --> 01:40:48.060] That's okay. [01:40:48.060 --> 01:40:50.060] They can do that. [01:40:50.060 --> 01:40:52.060] Okay. [01:40:52.060 --> 01:40:59.060] As long as all the notary does is verify that, yes, this is the person who signed the document. [01:40:59.060 --> 01:41:01.060] That part they can do. [01:41:01.060 --> 01:41:03.060] Okay. [01:41:03.060 --> 01:41:04.060] Very good. [01:41:04.060 --> 01:41:08.060] I'll get with you later and we'll see if we can't get something put together. [01:41:08.060 --> 01:41:09.060] Okay. [01:41:09.060 --> 01:41:10.060] Good. [01:41:10.060 --> 01:41:20.060] This would be of interest to you that this – coming back with the rule – the rule 8 and 12 and 9. [01:41:20.060 --> 01:41:25.060] It came from these guys out of Austin. [01:41:25.060 --> 01:41:26.060] Oh, that's common. [01:41:26.060 --> 01:41:27.060] Okay. [01:41:27.060 --> 01:41:28.060] Good. [01:41:28.060 --> 01:41:29.060] Yeah. [01:41:29.060 --> 01:41:30.060] I'm not surprised. [01:41:30.060 --> 01:41:32.060] They've probably seen this dude over and over. [01:41:32.060 --> 01:41:37.060] We've got another answer that's essentially the same thing. [01:41:37.060 --> 01:41:40.060] How this is a copycat suit. [01:41:40.060 --> 01:41:45.060] Well, I want to see some case law on copycat suits. [01:41:45.060 --> 01:41:47.060] Yeah, they said it was too long. [01:41:47.060 --> 01:41:49.060] We put too much in there. [01:41:49.060 --> 01:41:51.060] Life is tough. [01:41:51.060 --> 01:41:52.060] Yeah. [01:41:52.060 --> 01:41:54.060] Okay. [01:41:54.060 --> 01:41:55.060] Very good. [01:41:55.060 --> 01:42:01.060] I really appreciate all your info, Randy, and look forward to working with you again. [01:42:01.060 --> 01:42:03.060] Okey-doke. [01:42:03.060 --> 01:42:04.060] All right. [01:42:04.060 --> 01:42:05.060] Thanks, Steve. [01:42:05.060 --> 01:42:06.060] You're welcome. [01:42:06.060 --> 01:42:07.060] Okay. [01:42:07.060 --> 01:42:10.060] We're going now to Rob in Texas. [01:42:10.060 --> 01:42:12.060] After that, the phone lines are clear. [01:42:12.060 --> 01:42:13.060] So, folks, we've got one more segment. [01:42:13.060 --> 01:42:16.060] If you'd like to call in, 512-646-1984. [01:42:16.060 --> 01:42:18.060] Rob, thanks for calling in. [01:42:18.060 --> 01:42:19.060] What's your question? [01:42:19.060 --> 01:42:20.060] Thanks, guys. [01:42:20.060 --> 01:42:26.060] And I'd like to say I appreciate all the hard work you guys put forth for this show. [01:42:26.060 --> 01:42:36.060] I'm using the Eddie Craig traffic seminar info to help fight traffic ticket against my wife. [01:42:36.060 --> 01:42:39.060] And she's doing an excellent job. [01:42:39.060 --> 01:42:48.060] And so far, just today, she's had her third day of going in for pretrial hearings. [01:42:48.060 --> 01:42:57.060] And we're using your subject matter jurisdiction argument, and we have a criminal complaint in there [01:42:57.060 --> 01:43:00.060] against the officer for aggravated assault. [01:43:00.060 --> 01:43:04.060] And we also put in the counterclaim. [01:43:04.060 --> 01:43:09.060] I got to looking over some of the material again before she went to court this morning [01:43:09.060 --> 01:43:16.060] and told her to check in on the part about the city attorney versus attorney for the state. [01:43:16.060 --> 01:43:26.060] And first thing that happens when she goes in is the attorney calls her back to the back of the courtroom. [01:43:26.060 --> 01:43:31.060] They go over the whole, hey, would you like to purge adjudication or defensive driving, stuff like that. [01:43:31.060 --> 01:43:36.060] But she introduces herself right at the beginning as a city attorney. [01:43:36.060 --> 01:43:40.060] And I guess we're going to go to break. [01:43:40.060 --> 01:43:41.060] Yes, we're going to break. [01:43:41.060 --> 01:43:43.060] Just hang on the line, Rob. [01:43:43.060 --> 01:43:44.060] Okay. [01:43:44.060 --> 01:43:46.060] Okay, folks, we'll be right back. [01:43:46.060 --> 01:43:49.060] And after Rob, we've got Gary and Steve. [01:43:49.060 --> 01:43:51.060] Oh, boy, a bunch of calls coming in. [01:43:51.060 --> 01:43:55.060] We'll do everything we can to get all your calls in this last and final segment. [01:43:55.060 --> 01:44:07.060] We'll be right back. [01:44:07.060 --> 01:44:12.060] Aerial spray, chemtrails, the modified atmosphere, [01:44:12.060 --> 01:44:19.060] heavy metals and pesticides, carcinogens and chemical fibers all falling from the sky. [01:44:19.060 --> 01:44:22.060] You have a choice to keep your body clean. [01:44:22.060 --> 01:44:32.060] Detoxify with micro plant powder from hempusa.org or call 908-691-2608. [01:44:32.060 --> 01:44:37.060] It's odorless and tasteless and used in any liquid or food. [01:44:37.060 --> 01:44:40.060] Protect your family now with micro plant powder. [01:44:40.060 --> 01:44:44.060] Cleaning out heavy metals, parasites and toxins. [01:44:44.060 --> 01:44:49.060] Order it now for daily intake and stock it now for long-term storage. [01:44:49.060 --> 01:45:08.060] Visit hempusa.org or call 908-691-2608 today. [01:45:08.060 --> 01:45:10.060] Hello. [01:45:10.060 --> 01:45:13.060] Oh, man, in jail. [01:45:13.060 --> 01:45:14.060] You got busted, man. [01:45:14.060 --> 01:45:22.060] Oh, man, I'm broke, dude. [01:45:22.060 --> 01:45:26.060] Some things in this world I will never understand. [01:45:26.060 --> 01:45:31.060] Some things I realize fully. [01:45:31.060 --> 01:45:35.060] Somebody's gonna police a policeman. [01:45:35.060 --> 01:45:39.060] Somebody's gonna police a bully. [01:45:39.060 --> 01:45:44.060] There's always a room at the top of the hill. [01:45:44.060 --> 01:45:48.060] I hear through the grapevine and it's lonely left too. [01:45:48.060 --> 01:45:52.060] They're wishing it was more than opposition to fail. [01:45:52.060 --> 01:45:56.060] They know that if they don't do it, somebody will. [01:45:56.060 --> 01:46:00.060] Some things in this world I will never understand. [01:46:00.060 --> 01:46:05.060] Some things I realize fully. [01:46:05.060 --> 01:46:09.060] Somebody's gonna police a policeman. [01:46:09.060 --> 01:46:13.060] Somebody's gonna police a bully. [01:46:13.060 --> 01:46:15.060] I know they will. [01:46:15.060 --> 01:46:17.060] Yeah, they're gonna put the bill. [01:46:17.060 --> 01:46:18.060] I know they will. [01:46:18.060 --> 01:46:21.060] Because I see so much in God's detail. [01:46:21.060 --> 01:46:23.060] I know they will. [01:46:23.060 --> 01:46:25.060] Never fail to tip back the scale. [01:46:25.060 --> 01:46:27.060] I know they will. [01:46:27.060 --> 01:46:30.060] Never fail to tip back the scale. [01:46:30.060 --> 01:46:34.060] I know they will. [01:46:34.060 --> 01:46:36.060] Okay, folks, we are back. [01:46:36.060 --> 01:46:38.060] We're talking to Rob in Texas. [01:46:38.060 --> 01:46:40.060] Okay, go ahead, Rob. [01:46:40.060 --> 01:46:46.060] Okay, so she found out that it's a city attorney that's prosecuting the case in municipal court. [01:46:46.060 --> 01:46:51.060] And I told her, well, that's the great thing because that means you can tell them, [01:46:51.060 --> 01:47:00.060] obviously the state is not represented because all criminal actions must be done by the attorney for the state. [01:47:00.060 --> 01:47:07.060] And so she tells the court this and moves for dismissal with prejudice. [01:47:07.060 --> 01:47:11.060] The city attorney comes back with the old code of criminals, [01:47:11.060 --> 01:47:21.060] which is 45.201, which is the fact that municipal city attorney will represent the municipality in all municipal court cases. [01:47:21.060 --> 01:47:24.060] But it says absolutely nothing about criminal cases in that. [01:47:24.060 --> 01:47:27.060] So it's a moot point. [01:47:27.060 --> 01:47:28.060] It doesn't really matter. [01:47:28.060 --> 01:47:32.060] Still, there's no attorney for the state. [01:47:32.060 --> 01:47:37.060] So the judge allows everything to go on anyway. [01:47:37.060 --> 01:47:39.060] What's that? [01:47:39.060 --> 01:47:41.060] I'm sorry, go ahead. [01:47:41.060 --> 01:47:44.060] So the judge allows everything to go on anyway. [01:47:44.060 --> 01:47:50.060] They get into the points of the Administrative Procedure Act [01:47:50.060 --> 01:47:58.060] and where the authority from the municipal police department comes to be able to enforce the transportation code [01:47:58.060 --> 01:47:59.060] and this, that, and the other. [01:47:59.060 --> 01:48:04.060] And every time they keep throwing back at her that, you know, this is a criminal case, this is a criminal court, [01:48:04.060 --> 01:48:08.060] we don't have to do administrative hearings, and that's just not the way things are. [01:48:08.060 --> 01:48:10.060] And they basically brush her off the whole time. [01:48:10.060 --> 01:48:19.060] And finally, long story short, the judge says, I'm going to deny your motion to dismiss at that point. [01:48:19.060 --> 01:48:25.060] Did you actually file the written motion regarding the prosecutor to show authority? [01:48:25.060 --> 01:48:28.060] No, we didn't file that one yet. [01:48:28.060 --> 01:48:32.060] But we did demand that they have to show it and we told them. [01:48:32.060 --> 01:48:37.060] Okay, first rule, first rule, always do everything in writing. [01:48:37.060 --> 01:48:42.060] If you don't do it in writing, you cannot show a record on appeal [01:48:42.060 --> 01:48:47.060] unless you happen to be in a municipal court of record, which I doubt. [01:48:47.060 --> 01:48:48.060] It actually is. [01:48:48.060 --> 01:48:49.060] This is a very random thing. [01:48:49.060 --> 01:48:51.060] It's a municipal court of record. [01:48:51.060 --> 01:48:52.060] Okay. [01:48:52.060 --> 01:48:57.060] You don't want to make as much of your record and argument in writing as possible. [01:48:57.060 --> 01:48:58.060] Yes, sir. [01:48:58.060 --> 01:48:59.060] Okay. [01:48:59.060 --> 01:49:04.060] Question, was the judge elected? [01:49:04.060 --> 01:49:05.060] I believe so. [01:49:05.060 --> 01:49:07.060] I've got to look into that. [01:49:07.060 --> 01:49:08.060] Check that out. [01:49:08.060 --> 01:49:11.060] If it's a court of record, he must be elected. [01:49:11.060 --> 01:49:12.060] Okay. [01:49:12.060 --> 01:49:19.060] Now, after he denies her motion, my wife says, oh, I object. [01:49:19.060 --> 01:49:22.060] And she says, and I move to disqualify the judge. [01:49:22.060 --> 01:49:25.060] And the judge says, and I'm going to deny that too. [01:49:25.060 --> 01:49:28.060] He can't deny disqualification. [01:49:28.060 --> 01:49:30.060] Another judge has to do that. [01:49:30.060 --> 01:49:31.060] Exactly. [01:49:31.060 --> 01:49:32.060] That's what I was saying too. [01:49:32.060 --> 01:49:40.060] So now I need to know, I guess, where to go from here, because basically he said after that, [01:49:40.060 --> 01:49:43.060] then he just said, okay, well, you can set up another trial date. [01:49:43.060 --> 01:49:44.060] Okay. [01:49:44.060 --> 01:49:49.060] The first thing you need to do is I've got a whole new list of motions that need to be filed, [01:49:49.060 --> 01:49:53.060] the very first one being a motion for a fair and impartial trial. [01:49:53.060 --> 01:49:56.060] I dare the judge to deny that one. [01:49:56.060 --> 01:49:59.060] And they will. [01:49:59.060 --> 01:50:05.060] But the moment they do, you demand a signed copy of the order. [01:50:05.060 --> 01:50:12.060] Do not leave that courtroom without a signed copy of the order on the motion for a fair and impartial trial. [01:50:12.060 --> 01:50:17.060] And the moment you get that signed copy and you leave the courtroom, [01:50:17.060 --> 01:50:20.060] you go straight to the mayor and the city manager. [01:50:20.060 --> 01:50:27.060] You tell them that in 10 days I will be delivering you a court letter because I am going to sue you. [01:50:27.060 --> 01:50:35.060] You have a municipal court judge that is denying people in their court a fair and impartial trial. [01:50:35.060 --> 01:50:41.060] Here is a copy of my signed order saying he will not give me a fair and impartial trial. [01:50:41.060 --> 01:50:47.060] So my court letter is going to name him and you in a suit. [01:50:47.060 --> 01:50:49.060] Now what are you going to do about it? [01:50:49.060 --> 01:50:57.060] And let's see if he can deny the disqualification they're going to give him. [01:50:57.060 --> 01:51:05.060] So I guess what I'm looking for is what kind of criminal complaint should I file now. [01:51:05.060 --> 01:51:10.060] Obviously the city attorney cannot act as the attorney for the state. [01:51:10.060 --> 01:51:14.060] You're going to file impersonating a public servant, official misconduct, [01:51:14.060 --> 01:51:23.060] abuse of official capacity, and official oppression against both the prosecuting attorney and the judge. [01:51:23.060 --> 01:51:26.060] Okay. [01:51:26.060 --> 01:51:28.060] And that will disqualify him. [01:51:28.060 --> 01:51:29.060] Yes. [01:51:29.060 --> 01:51:36.060] Now on top of that, did you actually file a written criminal complaint on the aggravated assault, right? [01:51:36.060 --> 01:51:37.060] Yes. [01:51:37.060 --> 01:51:39.060] What is the charge against your wife? [01:51:39.060 --> 01:51:44.060] The charge is disregard of a warning sign. [01:51:44.060 --> 01:51:45.060] Okay. [01:51:45.060 --> 01:51:46.060] Situation. [01:51:46.060 --> 01:51:47.060] What was it? [01:51:47.060 --> 01:51:51.060] It was speeding in a construction zone, I guess. [01:51:51.060 --> 01:51:55.060] So the charge was speeding or was ignoring a warning sign? [01:51:55.060 --> 01:52:01.060] The actual charge on the written complaint is a disregard of a warning sign. [01:52:01.060 --> 01:52:02.060] Okay. [01:52:02.060 --> 01:52:04.060] Under what section of what statute? [01:52:04.060 --> 01:52:10.060] I've been trying to get them to answer that specific one as well, too, and they haven't. [01:52:10.060 --> 01:52:11.060] Okay. [01:52:11.060 --> 01:52:15.060] There is another motion in this new batch that is nature and cause. [01:52:15.060 --> 01:52:16.060] Okay. [01:52:16.060 --> 01:52:21.060] And basically it is a demand to be informed of the nature and cause of the charges against you, [01:52:21.060 --> 01:52:25.060] which you have a constitutional right to know. [01:52:25.060 --> 01:52:35.060] Now, make sure you send me an email so that I can send you the updated motions directly so you can get those filed immediately. [01:52:35.060 --> 01:52:42.060] But if you'll send me an email and your phone number, I'll get with you on tomorrow sometime [01:52:42.060 --> 01:52:46.060] and let you know exactly what you need to do step by step. [01:52:46.060 --> 01:52:48.060] Okay. [01:52:48.060 --> 01:52:49.060] I appreciate it. [01:52:49.060 --> 01:52:55.060] And you guys do a great job, and if it wasn't for you guys, we wouldn't have come this far. [01:52:55.060 --> 01:53:00.060] And now I'm just one to rack up as many criminal complaints against everybody I can. [01:53:00.060 --> 01:53:05.060] Well, they're going to make it easy to do that. [01:53:05.060 --> 01:53:06.060] It's ridiculous. [01:53:06.060 --> 01:53:07.060] Thank you, Rob. [01:53:07.060 --> 01:53:08.060] We appreciate it. [01:53:08.060 --> 01:53:09.060] Thank you very much. [01:53:09.060 --> 01:53:10.060] Okay. [01:53:10.060 --> 01:53:11.060] You have a good night. [01:53:11.060 --> 01:53:12.060] Okay. [01:53:12.060 --> 01:53:13.060] Okay. [01:53:13.060 --> 01:53:15.060] We're going now to Gary in Georgia. [01:53:15.060 --> 01:53:18.060] Okay, Gary, what's on your mind tonight? [01:53:18.060 --> 01:53:19.060] Evening. [01:53:19.060 --> 01:53:21.060] This is a question for Randy. [01:53:21.060 --> 01:53:27.060] I applaud him for doing a good job in the mortgage areas. [01:53:27.060 --> 01:53:33.060] And I used to do mortgage for people, but I got too busy with tax and traffic. [01:53:33.060 --> 01:53:40.060] But anyway, people come to me for mortgage issues, and I do ask them, [01:53:40.060 --> 01:53:44.060] I recommend them to Randy in the rule of law radio. [01:53:44.060 --> 01:53:52.060] But they ask me, of course, how much, so if that's private or whatever. [01:53:52.060 --> 01:53:59.060] Anyway, if you could, over there, or send me one Sea Dog, what your prices are, [01:53:59.060 --> 01:54:04.060] because also people in Atlanta are requesting for a seminar for him. [01:54:04.060 --> 01:54:07.060] And I would recommend the same thing, too, sir. [01:54:07.060 --> 01:54:10.060] Could you respond to Randy, please? [01:54:10.060 --> 01:54:13.060] Yes, I can. [01:54:13.060 --> 01:54:19.060] I hate to give the prices over there, because it's sometimes variable. [01:54:19.060 --> 01:54:26.060] Our absolute base price is $1,000, but we tend to have other issues turn up [01:54:26.060 --> 01:54:27.060] and some of those. [01:54:27.060 --> 01:54:34.060] Like the guy comes to us and he's got two days before foreclosure sale, [01:54:34.060 --> 01:54:38.060] we charge a little extra for the extra documents we have to produce. [01:54:38.060 --> 01:54:42.060] But for the most part, we're way down there. [01:54:42.060 --> 01:54:47.060] We try to keep the prices well down. [01:54:47.060 --> 01:54:52.060] We're trying to stop as many foreclosures as is absolutely possible. [01:54:52.060 --> 01:54:56.060] So we're not in this to make the money. [01:54:56.060 --> 01:54:59.060] We need enough to keep it going. [01:54:59.060 --> 01:55:04.060] But we want everybody to be able to stop their mortgages. [01:55:04.060 --> 01:55:10.060] And I would be glad to do a seminar in Georgia. [01:55:10.060 --> 01:55:18.060] I used to live in Tennessee, so I can speak your Frank-born dialect. [01:55:18.060 --> 01:55:24.060] But I'll contact you off the air and try to get some specifics on that. [01:55:24.060 --> 01:55:31.060] Okay, Randy, that's very good, sir, because I tell anyone, [01:55:31.060 --> 01:55:34.060] even if you are going to assist someone with a mortgage, [01:55:34.060 --> 01:55:39.060] you need administrative costs of, say, $1,500 or don't even take it. [01:55:39.060 --> 01:55:45.060] Well, so what do you, because you have filing fees, and my issue was, [01:55:45.060 --> 01:55:50.060] and non-foreclosure states always have what I call, [01:55:50.060 --> 01:55:57.060] because I used to teach evidence in law school, is a whoset. [01:55:57.060 --> 01:56:01.060] In other words, common-fact witness, well, the attorney is not a witness, [01:56:01.060 --> 01:56:03.060] so he can testify. [01:56:03.060 --> 01:56:07.060] And then the mortgage side, you've got to have a 30-by-6 witness. [01:56:07.060 --> 01:56:09.060] They securitize all the debt. [01:56:09.060 --> 01:56:11.060] It's just total confusion. [01:56:11.060 --> 01:56:18.060] So you have said the right thing, sir, in a non-mortgage foreclosure state. [01:56:18.060 --> 01:56:20.060] Start suing the people. [01:56:20.060 --> 01:56:23.060] In Georgia, it's $85 plus $25 service. [01:56:23.060 --> 01:56:31.060] So anyone listening, I certainly would recommend them to get Randy's package, [01:56:31.060 --> 01:56:35.060] because that's cheap, real good deal, sir. [01:56:35.060 --> 01:56:37.060] Thank you very much, Randy. Have a nice night. [01:56:37.060 --> 01:56:38.060] You're welcome. [01:56:38.060 --> 01:56:39.060] Yes, sir. [01:56:39.060 --> 01:56:44.060] We generally recommend that you sue in the federal court, [01:56:44.060 --> 01:56:48.060] because in the federal court, they tend not to want to see you in court. [01:56:48.060 --> 01:56:54.060] They want to do everything by the documentation. [01:56:54.060 --> 01:56:58.060] And it seems the pressure is on. [01:56:58.060 --> 01:57:03.060] With every member of the House of Representatives up for reelection this time, [01:57:03.060 --> 01:57:08.060] and they're going into the election with a 12 percent approval rating, [01:57:08.060 --> 01:57:15.060] in March, the legislature allotted $200 million to the FBI [01:57:15.060 --> 01:57:20.060] to start investigating financial fraud. [01:57:20.060 --> 01:57:26.060] In June and July, they started indicting they will start prosecuting [01:57:26.060 --> 01:57:31.060] around September or October, just before the November election. [01:57:31.060 --> 01:57:35.060] They're throwing the lenders to the wolves. [01:57:35.060 --> 01:57:40.060] If ever there was a time to go after them, now is the time. [01:57:40.060 --> 01:57:45.060] So all the stars are aligning themselves in our favor, [01:57:45.060 --> 01:57:50.060] and the federal courts tend to be the most political. [01:57:50.060 --> 01:57:54.060] You know, we talk a lot about law and the rule of law, [01:57:54.060 --> 01:57:59.060] but in the end, everything is political. [01:57:59.060 --> 01:58:05.060] And at this point in time, the politics are turning in our favor. [01:58:05.060 --> 01:58:07.060] It's about time. [01:58:07.060 --> 01:58:08.060] Absolutely. [01:58:08.060 --> 01:58:14.060] We need as many people as possible in there kicking as many lenders' hind-ins as we can possibly. [01:58:14.060 --> 01:58:20.060] We need as many people kicking as many rogue government agents' hind-ins as possible as well, [01:58:20.060 --> 01:58:24.060] and the lenders and everything else. [01:58:24.060 --> 01:58:29.060] Very well said. I enjoy your program, and also I kick them with APA. [01:58:29.060 --> 01:58:32.060] All right. Good for you, Gary. All right. You have a good night. [01:58:32.060 --> 01:58:33.060] Good night. [01:58:33.060 --> 01:58:38.060] All right, folks. This is the rule of law, Randy Kelton, Eddie Craig, Deborah Stevens. [01:58:38.060 --> 01:58:46.060] We will be back tomorrow night for our four-hour info marathon. [01:58:46.060 --> 01:58:49.060] So please tune in and call in. [01:58:49.060 --> 01:58:56.060] And don't forget Axiom for Liberty with Kay Beach at 6 p.m. from 6 to 8 Central Time right before our show. [01:58:56.060 --> 01:59:20.060] See you guys tomorrow night. [01:59:26.060 --> 01:59:29.060] We'll be right back. [01:59:56.060 --> 01:59:59.060] Thank you.