[00:00.000 --> 00:10.940]  Iran's envoy to the International Atomic Energy Agency, Ali Asghar Sultani, says attacking
[00:10.940 --> 00:16.720]  or threatening to attack nuclear facilities violates the UN Charter. Sultani was referring
[00:16.720 --> 00:22.000]  to former U.S. Ambassador John Bolton, who said Israel had a one-week opportunity to
[00:22.000 --> 00:29.720]  attack Iran's Bushehr nuclear power plant. In Afghanistan, at least 18 people, including
[00:29.720 --> 00:34.920]  several hostages, were killed following a U.S.-led attack on a Taliban prison in Helmand
[00:34.920 --> 00:41.280]  province. At least 13 Taliban militants and five hostages were killed, and 27 captives
[00:41.280 --> 00:46.600]  freed. A spokesman for Helmand's governor said the Taliban had executed five hostages
[00:46.600 --> 00:53.800]  before the attack, two of them employees of a U.S. company. As the last brigade of U.S.
[00:53.800 --> 00:59.920]  combat troops left Iraq Wednesday, at least 25 Iraqis were killed and 33 wounded. Three
[00:59.920 --> 01:04.680]  brothers were killed at their home in Rabia. Later, U.S. forces accidentally killed a
[01:04.680 --> 01:14.960]  civilian during a related raid. An emotionally ill detainee still being held at Guantanamo
[01:14.960 --> 01:21.920]  was first recommended for release by the Pentagon in 2004. However, it wasn't until 2007 that
[01:21.920 --> 01:27.760]  the Bush administration put Adnan Abdul Latif on an approved transfer list. By then the
[01:27.760 --> 01:33.160]  issue of transferring prisoners to Yemen was mired in a diplomatic standoff over whether
[01:33.160 --> 01:39.360]  Yemen could provide security assurances and rehabilitate suspected radicalized Guantanamo
[01:39.360 --> 01:46.360]  detainees. U.S. District Court Judge Henry Kennedy Monday ordered Latif set free. Latif
[01:46.360 --> 01:52.480]  is the 38th Guantanamo captive found by a federal judge to be legally detained there.
[01:52.480 --> 01:57.720]  Kennedy first ordered the Obama administration to arrange for Latif's release fourth with
[01:57.720 --> 02:03.160]  July 21st, but a Justice Department spokesman said government lawyers were still deciding
[02:03.160 --> 02:09.840]  whether to appeal. The Afghan government said Wednesday it had become recruiting thousands
[02:09.840 --> 02:15.440]  of militiamen to strengthen security forces against the Taliban in remote villages. President
[02:15.440 --> 02:21.400]  Hamid Karzai last month approved the establishment of a local police force recruited from Afghan
[02:21.400 --> 02:26.200]  villages. Deputy Interior Minister Mohammed Munir Mangal said recruitment would begin
[02:26.200 --> 02:31.000]  in regions of the country where insurgent violence was most intense. The force would
[02:31.000 --> 02:36.320]  number about 10,000 men who would undergo three weeks training by Afghan trainers and
[02:36.320 --> 02:41.720]  be paid 60 percent of regular police salary. U.S. General David Petraeus, who took command
[02:41.720 --> 02:48.480]  July 4th, had been pushing for the establishment of Iraq-style tribal militias to fight Taliban-linked
[02:48.480 --> 03:03.480]  militants.
[03:19.100 --> 03:20.640]  Well...
[03:23.400 --> 03:44.400]  Bad boys! Whatcha wanna do? Bad boys, bad boys! Whatcha gonna do? Bad boys, bad boys!
[03:44.400 --> 03:48.160]  Whatcha gonna do? Whatcha gonna do when they come for you?
[03:48.160 --> 03:53.840]  Bad boys, bad boys, whatcha gonna do? Whatcha gonna do when they come for you?
[03:53.840 --> 03:59.280]  When you were eight and you had bad traits You'd go to school and learn the golden rule
[03:59.280 --> 04:04.640]  So why are you acting like a bloody fool? If you get hot then you must get cool
[04:04.640 --> 04:10.080]  Bad boys, bad boys, whatcha gonna do? Whatcha gonna do when they come for you?
[04:10.080 --> 04:15.820]  Bad boys, bad boys, whatcha gonna do? Whatcha gonna do when they come for you?
[04:15.820 --> 04:21.260]  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
[04:21.260 --> 04:26.580]  You chuck it on your brother and you chuck it on your sister You chuck it on that one and you chuck it on me
[04:26.580 --> 04:32.200]  Bad boys, bad boys, whatcha gonna do? Whatcha gonna do when they come for you?
[04:32.200 --> 04:37.640]  Bad boys, bad boys, whatcha gonna do? Whatcha gonna do when they come for you?
[04:37.640 --> 04:50.160]  All right, bad boys, bad boys, what are you going to do when we come for you?
[04:50.160 --> 04:56.440]  This is the rule of law, Randy Kelton, Eddie Craig, Debra Stevens.
[04:56.440 --> 05:03.040]  Tonight, Eddie has the night off and we are here with Randy and Steve Skidmore.
[05:03.040 --> 05:07.200]  We're going to be talking about some mortgage issues tonight.
[05:07.200 --> 05:12.360]  Tomorrow night, we've got Mike Mirris that's coming on as a guest, and on Monday night,
[05:12.360 --> 05:20.720]  we're going to have attorney Bill Davis out of Austin, Texas, who is feverishly fighting
[05:20.720 --> 05:26.720]  against red light cameras here in the city of Austin, so I'm anxious to hear about that.
[05:26.720 --> 05:30.960]  Our good friend Russell referred us to Bill, so Russell, if you're out there listening,
[05:30.960 --> 05:32.120]  thanks for the tip.
[05:32.120 --> 05:34.840]  Bill Davis is going to be our guest on Monday.
[05:34.840 --> 05:38.200]  Tomorrow night, Mike Mirris, and tonight we're going to be talking about mortgage issues.
[05:38.200 --> 05:42.200]  Okay, guys, what do you got for us?
[05:42.200 --> 05:43.200]  Randy?
[05:43.200 --> 05:44.200]  Yes.
[05:44.200 --> 05:45.200]  Okay.
[05:45.200 --> 05:50.920]  What do you all got for us tonight?
[05:50.920 --> 05:56.960]  I was asking Steve to send me the link to the page for some reason I keep sending in
[05:56.960 --> 06:01.200]  my bookmarks, but my bookmarks don't like it to the caller page.
[06:01.200 --> 06:03.680]  Your bookmarks just don't like you, Randy.
[06:03.680 --> 06:07.240]  Okay, folks, I have Steve Skidmore with us tonight.
[06:07.240 --> 06:11.080]  He used to be a regular host, and we lost him a while back.
[06:11.080 --> 06:14.800]  Could be back on the air, if just for an evening.
[06:14.800 --> 06:22.480]  We've dragged him out from under the bus, and I'm pleased to have him on.
[06:22.480 --> 06:28.840]  I'm looking forward to discussing some mortgage issues with him.
[06:28.840 --> 06:33.000]  He does a mortgage program that's somewhat different than mine.
[06:33.000 --> 06:38.360]  When I started doing the mortgage program, I had no idea that they were doing anything
[06:38.360 --> 06:47.520]  in that area, and we wound up both kind of in the same area, but for those of you who
[06:47.520 --> 06:50.480]  are wondering about it, we're not competing with each other.
[06:50.480 --> 06:52.680]  No, absolutely not.
[06:52.680 --> 06:55.040]  I don't think it's possible.
[06:55.040 --> 06:59.120]  There are so many people out there in trouble.
[06:59.120 --> 07:04.040]  The more people who can get out there and help them, the better, I think, of all of
[07:04.040 --> 07:06.920]  the things that lay in front of us at the moment.
[07:06.920 --> 07:11.640]  Yeah, I'd like to make clear that, Randy, you've got your thing going.
[07:11.640 --> 07:12.960]  We've got our thing going.
[07:12.960 --> 07:20.960]  I think it's imperative to hit these banks from every conceivable angle.
[07:20.960 --> 07:25.640]  Don't get them used to one approach, because they'll work their way around it.
[07:25.640 --> 07:28.720]  If you keep hitting them with an uppercut, they're going to learn to dodge that uppercut,
[07:28.720 --> 07:33.400]  but if you mix up your punches, you'll beat them to death, and that's what needs to be
[07:33.400 --> 07:34.400]  done.
[07:34.400 --> 07:35.400]  Exactly.
[07:35.400 --> 07:38.960]  There's a lot of other people out there that are trying to help people.
[07:38.960 --> 07:43.200]  We need to stop as many as possible.
[07:43.200 --> 07:49.040]  The banksters are trying to swallow the equity of this country, and the more we can get stopped,
[07:49.040 --> 07:50.040]  the better.
[07:50.040 --> 07:59.800]  What I wanted to do is use this show to pick Steve's brain and get all his good information
[07:59.800 --> 08:03.640]  without giving him any of my good information.
[08:03.640 --> 08:05.440]  Where's the equity in that?
[08:05.440 --> 08:09.200]  We've got to work together.
[08:09.200 --> 08:17.640]  We have been getting a lot of really good rulings out of the courts, and frankly, Steve's
[08:17.640 --> 08:23.920]  more up to date on that than I am, and I'm hoping to get some good information on what's
[08:23.920 --> 08:24.920]  been going on.
[08:24.920 --> 08:30.080]  I know about some of these different things that's going on, but I've been so buried with
[08:30.080 --> 08:36.880]  what I'm doing that I haven't had time to get to the cases and actually come up to speed
[08:36.880 --> 08:37.880]  on the cases.
[08:37.880 --> 08:44.800]  It seems like there's two... Okay, let's go back a little bit.
[08:44.800 --> 08:50.120]  The hot topic was, show me the note, where's that wet ink signature?
[08:50.120 --> 08:57.160]  Though that's got powder behind it, there are many, many, many other issues that have
[08:57.160 --> 09:03.280]  come to the surface in these fraudulent mortgages, one of them being bifurcation.
[09:03.280 --> 09:09.640]  Bifurcation is the separation of the negotiable instrument from the security instrument.
[09:09.640 --> 09:16.520]  In English, the separation of the note from the deed of trust or the mortgage.
[09:16.520 --> 09:27.120]  Believe it was 1872, in the Carpenter versus Longan case, Carpenter versus Longan, L-O-N-G-A-N,
[09:27.120 --> 09:32.920]  it was determined then that... Now, if you want to go look up the quote, that's fine.
[09:32.920 --> 09:44.480]  I've got it pretty close, but it was determined that the note and the mortgage are inseparable.
[09:44.480 --> 09:51.720]  The assignment of the note carries with it the mortgage, but the assignment of the mortgage
[09:51.720 --> 09:55.040]  alone is a nullity.
[09:55.040 --> 09:59.480]  This is the separation of the negotiable instrument from the security instrument.
[09:59.480 --> 10:05.600]  The security instrument is what ties the physical, real property to the note.
[10:05.600 --> 10:11.040]  If you separate those two instruments, the note and the deed of trust, nobody has anything
[10:11.040 --> 10:12.040]  to hang onto.
[10:12.040 --> 10:19.720]  This is what Landmark V. Kessler, the court said that while you can do that, it is legal
[10:19.720 --> 10:20.800]  to do that.
[10:20.800 --> 10:28.760]  If you do, you create a fatal flaw in that the holder of the security instrument has
[10:28.760 --> 10:35.360]  a claim against the signator on the security instrument, but no claim against the property.
[10:35.360 --> 10:41.640]  The holder of the security instrument has a claim against the property, but since he
[10:41.640 --> 10:48.400]  sold the security instrument and received consideration in return, he cannot be harmed,
[10:48.400 --> 10:54.360]  so he can't invoke the provisions of the claim.
[10:54.360 --> 10:55.800]  He's got no right to possession.
[10:55.800 --> 11:02.760]  It's kind of like if you hire me to work on your house and I do a crappy job, and you
[11:02.760 --> 11:06.800]  say, heck with you, I'm not going to pay you, so I follow mechanics or a materialist
[11:06.800 --> 11:07.800]  name.
[11:07.800 --> 11:11.760]  A couple of years later, you want to sell the house and the lien's in the way, so your
[11:11.760 --> 11:16.480]  brother comes to me and says, look, Steve's just P.O.ing at you, he's not going to pay
[11:16.480 --> 11:20.360]  you and it's causing him all this problem, here, I'll pay you.
[11:20.360 --> 11:27.280]  If I accept payment from Steve's brother, can I then come back to Steve and collect
[11:27.280 --> 11:28.280]  again?
[11:28.280 --> 11:29.280]  No.
[11:29.280 --> 11:33.160]  Or can I transfer the lien to somebody else?
[11:33.160 --> 11:34.160]  No.
[11:34.160 --> 11:35.160]  You receive consideration.
[11:35.160 --> 11:36.160]  Yeah.
[11:36.160 --> 11:37.160]  That's the issue.
[11:37.160 --> 11:45.840]  When the lender securitizes the note, turns it into a security instrument, and for those
[11:45.840 --> 11:53.000]  who aren't clear on what that is, a security instrument is a written document that you
[11:53.000 --> 11:59.480]  can take and give to someone and receive value for it.
[11:59.480 --> 12:03.720]  It's generally called a check.
[12:03.720 --> 12:10.400]  On a check, I have, supposedly have funds in a bank somewhere, and I create this written
[12:10.400 --> 12:20.160]  instrument wherein I issue a promise to you that if you take this instrument to this bank,
[12:20.160 --> 12:23.920]  they will return value for this instrument.
[12:23.920 --> 12:25.400]  That's a security instrument.
[12:25.400 --> 12:33.840]  So when I buy a house, the lender will go to the seller and give the seller a security
[12:33.840 --> 12:43.200]  instrument with instant value, with present value, a check, in return for the title to
[12:43.200 --> 12:44.200]  the property.
[12:44.200 --> 12:51.920]  Then the lender will come to me and trade me the title to the property for a promissory
[12:51.920 --> 12:56.760]  note, a security instrument with a promise to pay in the future.
[12:56.760 --> 12:59.880]  No present value, but future value.
[12:59.880 --> 13:06.080]  And then he'll take that promise to pay I gave him because he needs money right now.
[13:06.080 --> 13:13.120]  He made a loan from Wells Fargo Chase, a Bank of America large loan, and he converts the
[13:13.120 --> 13:14.840]  loan into 20 and 30-year mortgages.
[13:14.840 --> 13:19.600]  The problem is that loan he got, he has to pay back in six to nine months.
[13:19.600 --> 13:28.120]  So as soon as he makes the trade with me, the trade of the title to the property in
[13:28.120 --> 13:35.680]  return for the promissory note, the promise to pay over time, he takes that to an investor
[13:35.680 --> 13:43.600]  who purchases the promise to pay over time at a discount, at a discount over the future
[13:43.600 --> 13:47.160]  value.
[13:47.160 --> 13:52.640]  But the lender receives a promissory note in excess of the amount of the promissory
[13:52.640 --> 13:54.760]  note he gave the seller.
[13:54.760 --> 14:02.000]  So he can take that promissory note over to the bank where he got the original loan and
[14:02.000 --> 14:06.240]  give it to them, and they'll give him consideration back.
[14:06.240 --> 14:10.440]  They'll pay off the loan he got from them, and he'll have what's called a yield spread
[14:10.440 --> 14:16.880]  premium over the top of that so he gets a profit.
[14:16.880 --> 14:19.760]  This is kind of how the movement goes.
[14:19.760 --> 14:22.960]  Well, here's the problem.
[14:22.960 --> 14:30.800]  When he sells the security instrument to the investor, the investor will be a special purpose
[14:30.800 --> 14:31.800]  vehicle.
[14:31.800 --> 14:39.360]  And the purpose of this vehicle is to buy up a whole bunch of these notes, combine them
[14:39.360 --> 14:47.640]  into a real estate mortgage investment conduit, a REMIC.
[14:47.640 --> 14:51.240]  And they'll file that with the IRS and get a big tax break on it.
[14:51.240 --> 14:59.680]  And then they take this REMIC as if it is a single thing and sell off shares or interest
[14:59.680 --> 15:08.040]  in this REMIC to people looking for long-term investments, like mostly retirement funds.
[15:08.040 --> 15:15.200]  So the people with the special purpose vehicle, they're buying hundreds and hundreds of these
[15:15.200 --> 15:17.200]  notes.
[15:17.200 --> 15:25.200]  They never seem to really feel a need to have the lien document move with the note.
[15:25.200 --> 15:30.200]  It's too much trouble to keep track of all of it, so they just bought the security instrument.
[15:30.200 --> 15:36.400]  And the lender kept the security instrument, I'm sorry, not the security instrument, the
[15:36.400 --> 15:42.960]  lender kept the lien document, the deed of trust.
[15:42.960 --> 15:48.760]  It's created what the landmark V. Kessler called the fatal flaw.
[15:48.760 --> 15:55.120]  So the question was, why would he keep that thing if it caused this big a problem?
[15:55.120 --> 16:01.800]  As always, follow the money, he'll hold it for three years, file a 1099A, write it off
[16:01.800 --> 16:05.320]  as capital gains tax as on abandoned funds.
[16:05.320 --> 16:07.480]  He gets consideration a second time.
[16:07.480 --> 16:09.480]  It's in a 1099A.
[16:09.480 --> 16:10.480]  1099A.
[16:10.480 --> 16:15.800]  He files it, first time he sells it, he gets consideration.
[16:15.800 --> 16:21.520]  Now there's talk in the legal reform community about, oh, there is no money and the bank
[16:21.520 --> 16:25.320]  don't have any money, blah, blah, blah, but it don't make any difference.
[16:25.320 --> 16:26.320]  This isn't about money.
[16:26.320 --> 16:30.360]  It's about offer and acceptance.
[16:30.360 --> 16:36.680]  He offers the security instrument to the investor.
[16:36.680 --> 16:43.760]  The investor accepts it in return for a security instrument in return.
[16:43.760 --> 16:44.760]  No money.
[16:44.760 --> 16:54.040]  However, his considerations or whatever he got, he got paid, then he filed 1099A, got
[16:54.040 --> 16:55.040]  paid again.
[16:55.040 --> 16:56.040]  We'll talk about this more.
[16:56.040 --> 16:57.040]  Okay.
[16:57.040 --> 17:03.440]  We'll be right back folks.
[17:03.440 --> 17:08.480]  Gold coin and bullion is your local source for rare coins, precious metals and coin supplies
[17:08.480 --> 17:10.480]  in the Austin metro area.
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[17:16.560 --> 17:17.560]  and metals purchases.
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[19:55.600 --> 20:02.600]  Okay, the lender gets consideration when he makes a trade with the investor.
[20:06.560 --> 20:13.560]  He trades this one security instrument for another and in receiving consideration, he's
[20:15.800 --> 20:17.440]  been paid.
[20:17.440 --> 20:22.540]  It doesn't matter what he receives as long as he accepts it in trade and he has been
[20:22.540 --> 20:29.540]  paid but at the same time, he accepts consideration for the security instrument alone, not for
[20:32.000 --> 20:37.100]  the security instrument and the lien document.
[20:37.100 --> 20:43.480]  He could have accepted consideration for both but he didn't and he didn't because he wanted
[20:43.480 --> 20:47.400]  to get a consideration a second time.
[20:47.400 --> 20:53.640]  So that's what Landmark v. Kessler addressed, the bifurcation of the note.
[20:53.640 --> 21:00.640]  Now what we maintain is that when he did that, the lien document became a void instrument
[21:04.080 --> 21:08.080]  and I found that carpenter case, I would like to go through this right before we pull up
[21:08.080 --> 21:17.480]  the collar, that Carpenter v. Longan, 83 U.S. 271 and we go to page, oh, I'm sorry, this
[21:17.480 --> 21:24.480]  was from 1872, never been overturned, we'll go to page 83 U.S. 275 and where we read and
[21:26.880 --> 21:33.880]  I quote, a note and mortgage are inseparable, the former as essential, the latter as an
[21:33.880 --> 21:40.000]  incident, an assignment of the note carries with it or sorry, carries the mortgage with
[21:40.000 --> 21:44.880]  it while an assignment of the latter alone is a nullity.
[21:44.880 --> 21:51.880]  Based on that principle, the Landmark v. Kessler case was successfully adjudicated.
[21:52.000 --> 21:58.400]  Now we're seeing in bifurcation cases, we're seeing Landmark v. Kessler being quoted all
[21:58.400 --> 21:59.520]  over the place.
[21:59.520 --> 22:06.520]  There's a successful pleading out there, very recent pleading by Walker.
[22:06.520 --> 22:13.520]  Okay, this brings up a point that I would like to address a little bit.
[22:15.080 --> 22:22.080]  We have some courts in Washington state say that the note, the security instrument and
[22:22.080 --> 22:29.080]  the state of trust always move together and that's essentially, this case is saying that
[22:31.640 --> 22:38.560]  when they move together or that the one must follow the other.
[22:38.560 --> 22:40.800]  That's only with the note.
[22:40.800 --> 22:42.040]  That's what I'm getting at.
[22:42.040 --> 22:49.040]  Now I'm looking at how do we undermine this court saying they move together.
[22:49.040 --> 22:56.040]  We go in and say, okay, we have the security instrument moving from one holder to another.
[22:59.240 --> 23:05.960]  Then we have the lien document, the mortgage or deed of trust, whatever it happens to be
[23:05.960 --> 23:12.960]  called in a particular jurisdiction being traded between different characters.
[23:12.960 --> 23:19.960]  So when the court said it always moves together, perhaps it always should move together.
[23:21.320 --> 23:22.360]  But does it?
[23:22.360 --> 23:28.680]  But according to, if we read, if I'm getting this case right, that while it should move
[23:28.680 --> 23:35.680]  together, if the lender does something that causes the two not to lean, to move together,
[23:36.360 --> 23:40.280]  that should overcome this Washington state ruling.
[23:40.280 --> 23:43.680]  Now that's what's happening with Mears.
[23:43.680 --> 23:50.680]  If anybody's heard of Mears, Mortgage Electronic Registry Service, there is a movement going
[23:52.840 --> 23:57.720]  on in the courts called Qui Tam.
[23:57.720 --> 24:04.080]  The Kessler case, the Landmark v. Kessler case is quoted in a Qui Tam case that started
[24:04.080 --> 24:10.200]  in Tennessee and now there's, I believe, two Qui Tam cases.
[24:10.200 --> 24:11.720]  In California.
[24:11.720 --> 24:16.240]  There's two in California, the Arizona, Nevada, there's a number of them.
[24:16.240 --> 24:22.560]  What Qui Tam is, for those who don't know, is it's the whistleblower statute.
[24:22.560 --> 24:29.560]  It's a suit entered into for the purpose of recovering funds for the state, for some governmental
[24:31.520 --> 24:36.920]  entity, either state, county, federal, municipality, it doesn't matter.
[24:36.920 --> 24:42.120]  It goes to misappropriated funds and in this case, the Tennessee case is the first one
[24:42.120 --> 24:49.120]  I came across, this guy sued every lender in the state of Tennessee who used Mears.
[24:54.440 --> 25:01.440]  Mears told the Landmark v. Kessler court that this requirement to file the sale of the security
[25:01.440 --> 25:08.440]  instrument with the clerk of the court is archaic, costly, and cumbersome.
[25:10.680 --> 25:17.680]  And in this new age of electronic wizardry, we put together this whizbang company for
[25:19.240 --> 25:26.240]  the purpose of electronically registering the sales of security instruments.
[25:26.240 --> 25:33.240]  And the Supreme Court of Kansas said, we agree with you, you are right.
[25:33.600 --> 25:40.600]  The requirement to register the sale of a security instrument with the clerk of the
[25:41.120 --> 25:45.560]  court is archaic, costly, and cumbersome.
[25:45.560 --> 25:52.200]  However, you'll have to take that up with the legislature.
[25:52.200 --> 25:57.360]  So long as the statutory requirement is in place, we may not change it.
[25:57.360 --> 26:04.360]  And in every state, there is a requirement concerning security instruments that concern
[26:05.280 --> 26:12.280]  real property, that any sale of the security instrument must be registered with the clerk
[26:13.760 --> 26:19.360]  of the, with the court, the county recorder in the public record.
[26:19.360 --> 26:22.320]  The sale must be public.
[26:22.320 --> 26:29.320]  Now six months ago, if you went to Mears' site, you could very readily find out who
[26:30.320 --> 26:33.720]  the servicer of your note was.
[26:33.720 --> 26:38.920]  But you could not find out who actually held the security instrument.
[26:38.920 --> 26:45.520]  While it was registered with Mears, Mears did not make it publicly available.
[26:45.520 --> 26:52.520]  So this guy in Tennessee sued every lender in the state that used Mears, and named as
[26:54.600 --> 27:01.600]  a co-plaintiff every county in the state, and claimed the $35 filing fee as funds that
[27:05.480 --> 27:12.480]  were fraudulently, funds the clerk was defrauded of.
[27:12.480 --> 27:19.480]  So Mears on its face was designed to circumvent standing law in every state, and now they're
[27:21.760 --> 27:24.160]  getting their behinds kicked because of it.
[27:24.160 --> 27:25.680]  Yeah, they are.
[27:25.680 --> 27:30.960]  In a nutshell, QUITAM allows an individual to sue on behalf of a government entity.
[27:30.960 --> 27:37.080]  The reason these QUITAM cases are going on is because Mears has not paid the $35 filing
[27:37.080 --> 27:39.040]  fee for the assignments.
[27:39.040 --> 27:46.040]  If you find that you have Mears in your mortgage, you may have a good case.
[27:46.480 --> 27:51.120]  The failure to file the assignment means that they have gotten around paying that county
[27:51.120 --> 27:55.360]  tax for the filing fee.
[27:55.360 --> 27:59.760]  How many times has Mears been in this county, and how many counties in the state have they
[27:59.760 --> 28:01.200]  been in?
[28:01.200 --> 28:02.600]  Every one, folks.
[28:02.600 --> 28:05.120]  There's a lot more to Mears.
[28:05.120 --> 28:12.120]  Mears has really big problems. Mears is claiming to have authority to foreclose.
[28:15.720 --> 28:22.720]  What the cases are showing is that Mears never was an interested party, that they never actually
[28:23.640 --> 28:27.720]  held a security instrument, they have no investment.
[28:27.720 --> 28:34.720]  They told the landmark court that they were the nominee of the lender, and the landmark
[28:36.720 --> 28:41.160]  case, the Supreme Court said, what's the nominee?
[28:41.160 --> 28:43.320]  We don't know what that is.
[28:43.320 --> 28:49.520]  Get out of my court, you have no jurisdiction, you have no standing, and we've been getting
[28:49.520 --> 28:56.120]  cases, especially out of California, that has really clobbered Mears, claimed to have
[28:56.120 --> 28:57.400]  no standing.
[28:57.400 --> 29:03.560]  It's almost to the point that if you can find a connection to Mears in your case, your case
[29:03.560 --> 29:08.040]  is almost a slam dunk.
[29:08.040 --> 29:10.080]  I think Mears is on its way out.
[29:10.080 --> 29:11.360]  I really do.
[29:11.360 --> 29:12.920]  They're breathing their last breaths.
[29:12.920 --> 29:16.080]  Well, here's the problem.
[29:16.080 --> 29:23.080]  Mears is inextricably intermingled with all of these mortgages.
[29:23.080 --> 29:30.080]  You can't extract Mears from the equation without invalidating all the mortgages.
[29:31.600 --> 29:38.600]  So if you have a mortgage, soon, now is the time to sue, the politics are turning in our
[29:38.840 --> 29:39.840]  favor.
[29:39.840 --> 29:43.040]  So are the courts.
[29:43.040 --> 29:45.440]  The courts always follow the politicians.
[29:45.440 --> 29:52.440]  When we come back on the other side, we'll talk about how the politics is moving against
[29:52.440 --> 29:53.440]  the lender.
[29:53.440 --> 29:56.680]  Maybe we can get Michael to.
[29:56.680 --> 30:01.680]  Hang on there, Michael, we'll catch you on the other side.
[30:01.680 --> 30:06.680]  It is so enlightening to listen to 90.1 FM, but finding things on the Internet isn't so
[30:06.680 --> 30:10.360]  easy, and neither is finding like-minded people to share it with.
[30:10.360 --> 30:13.240]  Oh, well, I guess you haven't heard of Brave New Books, then.
[30:13.240 --> 30:14.480]  Brave New Books?
[30:14.480 --> 30:19.080]  Yes, Brave New Books has all the books and DVDs you're looking for by authors like Alex
[30:19.080 --> 30:24.080]  Jones, Ron Paul, and Gilbert Griffin, they even stock inner food, Berkey products, and
[30:24.080 --> 30:25.080]  Calvin Soaps.
[30:25.080 --> 30:27.960]  There's no way a place like that exists.
[30:27.960 --> 30:33.800]  Go check it out for yourself, it's downtown at 1904 Guadalupe Street, just south of UT.
[30:33.800 --> 30:37.160]  By UT, there's never anywhere to park down there.
[30:37.160 --> 30:42.400]  Actually, they now offer a free hour of parking for paying customers at the 500 MLK parking
[30:42.400 --> 30:44.560]  facility, just behind the bookstore.
[30:44.560 --> 30:48.360]  It does exist, but when are they open?
[30:48.360 --> 30:53.760]  Monday through Saturday, 11 AM to 9 PM, and 1 to 6 PM on Sundays, so give them a call
[30:53.760 --> 31:02.040]  at 512-480-2503, or check out their events page at bravenewbookstore.com.
[31:02.040 --> 31:05.200]  Are you the plaintiff or defendant in a lawsuit?
[31:05.200 --> 31:11.960]  Win your case without an attorney with Jurisdictionary, the affordable, easy to understand, 4 CD course
[31:11.960 --> 31:16.480]  that will show you how in 24 hours, step-by-step.
[31:16.480 --> 31:19.720]  If you have a lawyer, know what your lawyer should be doing.
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[31:24.000 --> 31:28.840]  Thousands have won with our step-by-step course, and now you can too.
[31:28.840 --> 31:35.640]  Jurisdictionary was created by a licensed attorney with 22 years of case-winning experience.
[31:35.640 --> 31:40.160]  Even if you're not in a lawsuit, you can learn what everyone should understand about the
[31:40.160 --> 31:43.960]  principles and practices that control our American courts.
[31:43.960 --> 31:50.600]  You'll receive our audio classroom, video seminar, tutorials, forms for civil cases,
[31:50.600 --> 31:53.160]  pro se tactics, and much more.
[31:53.160 --> 32:01.200]  Please visit ruleoflawradio.com and click on the banner or call toll-free, 866-LAW-EZ.
[32:01.200 --> 32:13.960]  Yeah, Mr. Office, I've been taking the light at hand, won't you follow the law of the land?
[32:13.960 --> 32:22.040]  I don't understand, these laws are stupid, they can't be served, not beat on the beans.
[32:22.040 --> 32:25.040]  Office man!
[32:25.040 --> 32:47.040]  When are you going to stop abuse of your power?
[32:47.040 --> 32:55.040]  Please Mr. Michael, I teach officers not to abuse their power, send a request to the leader,
[32:55.040 --> 33:03.040]  the asking of all officers, tell them to uphold the law, or please don't abuse their power.
[33:03.040 --> 33:09.040]  They beat and they beat and they cheat and they cheat and they lie every hour.
[33:09.040 --> 33:14.040]  So Mr. Officer, please stop abusing your power.
[33:14.040 --> 33:31.040]  Okay, we are back folks, and Michael will be right with you, just hang on just a minute
[33:31.040 --> 33:32.040]  or so.
[33:32.040 --> 33:33.040]  Okay.
[33:33.040 --> 33:41.040]  Yes, sorry Michael, there was just one other issue, one other piece of information I wanted
[33:41.040 --> 33:42.040]  to address.
[33:42.040 --> 33:49.040]  If you buy all this matter, it goes to our primary premise, if you're in mortgage, in
[33:49.040 --> 33:56.040]  foreclosure, or if you're facing foreclosure, there are a lot of people touting a lot of
[33:56.040 --> 34:02.040]  things, like you have the lenders saying, oh, come on down, we'll do a loan modification.
[34:02.040 --> 34:05.040]  They're not going to do a modification, they're going to screw you.
[34:05.040 --> 34:08.040]  We'll do a forbearance, that's a trap.
[34:08.040 --> 34:10.040]  They're setting you up.
[34:10.040 --> 34:16.040]  There's only one thing we have found that gets the attention of the lenders and gives
[34:16.040 --> 34:19.040]  you a shot at remedy.
[34:19.040 --> 34:20.040]  Sue them.
[34:20.040 --> 34:21.040]  Wow, Sue.
[34:21.040 --> 34:28.040]  And especially if you can find that Merz is intermingled in the mix.
[34:28.040 --> 34:32.040]  Sue them, with Merz in the mix, they have a problem.
[34:32.040 --> 34:38.040]  I'm very much like you Randy, I don't believe in silver bullets, but if there ever was one,
[34:38.040 --> 34:43.040]  the Mears issue or Merz issue, that's as close as we can get to it.
[34:43.040 --> 34:52.040]  It's one of them, and the mortgage industry has been in such a mess for so long, everybody
[34:52.040 --> 34:56.040]  does everything wrong, and they think it's right.
[34:56.040 --> 35:01.040]  They think it's right because that's how they were trained to do it when they started doing
[35:01.040 --> 35:02.040]  it.
[35:02.040 --> 35:05.040]  That's how they've always done it through their whole career, and they never had any
[35:05.040 --> 35:08.040]  reason to believe it was wrong.
[35:08.040 --> 35:14.040]  But the mortgage industry is in a terrible mess, and the bubble bursting and causing
[35:14.040 --> 35:20.040]  all of these foreclosures has brought out every flaw in the system.
[35:20.040 --> 35:27.040]  And this goes to the very reason why you should always exercise due diligence.
[35:27.040 --> 35:29.040]  Make sure you follow all of the rules.
[35:29.040 --> 35:32.040]  They're in there to protect both sides.
[35:32.040 --> 35:37.040]  And if the lender didn't believe it was in there to protect him, it's time for us to
[35:37.040 --> 35:44.040]  show him what happens when he doesn't abide by them and how abiding by them would have
[35:44.040 --> 35:45.040]  protected him.
[35:45.040 --> 35:47.040]  Okay, let's go to our caller.
[35:47.040 --> 35:50.040]  Right before we do, I'd like to clear something up.
[35:50.040 --> 35:56.040]  You may have made it seem like you've got to be in threat of foreclosure or in foreclosure
[35:56.040 --> 35:57.040]  to receive remedy.
[35:57.040 --> 35:58.040]  No, you don't.
[35:58.040 --> 36:02.040]  If you get to them before you go into default, perfect.
[36:02.040 --> 36:06.040]  You're in the best seat in the house because you've got absolutely clean hands.
[36:06.040 --> 36:09.040]  The issue of, well, your honor, they're behind on their bill.
[36:09.040 --> 36:10.040]  It will never come up.
[36:10.040 --> 36:11.040]  Exactly.
[36:11.040 --> 36:17.040]  In order to do that, you need to be aware of the fraud that's going on.
[36:17.040 --> 36:24.040]  But if you're not behind and you're not looking at the prospect of being behind and you don't
[36:24.040 --> 36:30.040]  like the fact that you're being screwed royal, and if you've entered into a mortgage in the
[36:30.040 --> 36:34.040]  last 20 years, I assure you, you're being screwed royal.
[36:34.040 --> 36:43.040]  If you don't like it and you fall suit against the lender, everything here is about money.
[36:43.040 --> 36:50.040]  And the lender's going to look at this and gauge between what it's going to cost and
[36:50.040 --> 36:52.040]  how much can I make.
[36:52.040 --> 36:58.040]  If you're not behind, the how much can I make never enters the equation.
[36:58.040 --> 37:02.040]  It's only a matter of how much is this going to cost me.
[37:02.040 --> 37:05.040]  So that is the best place to be in.
[37:05.040 --> 37:11.040]  Michael, where did the call screen go?
[37:11.040 --> 37:12.040]  Yes, I'm sorry.
[37:12.040 --> 37:13.040]  Am I on the air?
[37:13.040 --> 37:14.040]  Yes, sir, you are.
[37:14.040 --> 37:15.040]  Sorry about that.
[37:15.040 --> 37:16.040]  Sorry about that.
[37:16.040 --> 37:19.040]  Sorry it took so long to get you up.
[37:19.040 --> 37:22.040]  No, no, it's perfectly fine, perfectly fine.
[37:22.040 --> 37:27.040]  Two quick yes or no type questions and then two a little more elaborate questions.
[37:27.040 --> 37:38.040]  One is with regards to the letters for the Austin micros and them being a valuable public service
[37:38.040 --> 37:41.040]  and that sort of thing, I assume you all are still accepting this?
[37:41.040 --> 37:42.040]  Wait a minute, Michael.
[37:42.040 --> 37:43.040]  Yeah, hold on, Michael.
[37:43.040 --> 37:46.040]  We can't understand hardly anything that you're saying.
[37:46.040 --> 37:50.040]  Maybe if you've got the radio on in the background, turn it down, or if you're in a group of people,
[37:50.040 --> 37:53.040]  if you could please move to another room, that would be great.
[37:53.040 --> 37:58.040]  Michael, there's something about a child's voice that's higher pitched.
[37:58.040 --> 38:01.040]  It probably doesn't sound loud to you.
[38:01.040 --> 38:02.040]  Hold on, wait a minute.
[38:02.040 --> 38:03.040]  Everybody's talking over each other.
[38:03.040 --> 38:05.040]  Randy, can you hear Michael?
[38:05.040 --> 38:06.040]  He was talking.
[38:06.040 --> 38:07.040]  No, I couldn't.
[38:07.040 --> 38:08.040]  Okay, all right.
[38:08.040 --> 38:10.040]  Okay, you should be able to hear me a lot better now.
[38:10.040 --> 38:11.040]  I'm sorry about that.
[38:11.040 --> 38:12.040]  Okay, that's much better.
[38:12.040 --> 38:15.040]  Okay, now, so you are accepting letters still?
[38:15.040 --> 38:21.040]  Well, yeah, they're letters, but they need to be letters that are actually that listen to the station.
[38:21.040 --> 38:26.040]  So I see that you're in Maryland, so you really wouldn't qualify.
[38:26.040 --> 38:28.040]  It does need to be, yeah, okay.
[38:28.040 --> 38:36.040]  Yeah, because what it has to do with is letters that testify that the radio station serves the public interest.
[38:36.040 --> 38:42.040]  This is something that most radio stations have in their files.
[38:42.040 --> 38:48.040]  Actually, it's a requirement for FCC licensed stations and such.
[38:48.040 --> 38:55.040]  And so folks out there who do listen to the station here in Austin, if you would please, if you haven't yet,
[38:55.040 --> 38:59.040]  please download the letter from the Rule of Law Radio website.
[38:59.040 --> 39:09.040]  You'll scroll down a little ways in the middle of the home page and mail that in to 1516 South Lamar, number 112,
[39:09.040 --> 39:10.040]  or you can mail it to Brave New Books.
[39:10.040 --> 39:13.040]  The addresses are on the website.
[39:13.040 --> 39:18.040]  And speaking of the micro, we have set up a trust.
[39:18.040 --> 39:25.040]  There's a trust set up, and all the people who have sent in letters so far are automatically beneficiaries.
[39:25.040 --> 39:32.040]  Now, folks, if you have sent in a letter and you didn't give us the right address or something like that,
[39:32.040 --> 39:39.040]  if you could please send in another letter or send an email to let us know what the proper address is
[39:39.040 --> 39:47.040]  and the benefits of being a beneficiary, so to speak, is so that if the time comes
[39:47.040 --> 39:54.040]  when the trust needs to file a lawsuit against the FCC or defend itself against a lawsuit from the FCC,
[39:54.040 --> 40:00.040]  the beneficiaries will have standing to be co-plaintiffs in the case of filing,
[40:00.040 --> 40:06.040]  like say, a counter suit or filing an original complaint if they so choose.
[40:06.040 --> 40:11.040]  Because in general, if you're just a member of the public, even though you're being harmed,
[40:11.040 --> 40:20.040]  the courts have ruled that even if you're being harmed, the general public does not have standing to file a lawsuit.
[40:20.040 --> 40:28.040]  But if you're the beneficiary of the trust, and one of the main benefits of being a beneficiary
[40:28.040 --> 40:30.040]  is that you get to listen to the radio station.
[40:30.040 --> 40:34.040]  The other benefit is that you get to have standing to be a co-plaintiff.
[40:34.040 --> 40:42.040]  And these guys, they're just not going to want to have to deal with a couple thousand litigants, I don't think.
[40:42.040 --> 40:48.040]  So it gives us a lot of power in a lawsuit to have that many litigants as co-plaintiffs.
[40:48.040 --> 40:54.040]  And of course, we accept donations, and after all the legal expenses are paid,
[40:54.040 --> 41:01.040]  if there's anything left, then what is left would be distributed to the benefits.
[41:01.040 --> 41:04.040]  Most of the time with trusts, it's about money.
[41:04.040 --> 41:07.040]  In this case, it's about you get to hear.
[41:07.040 --> 41:13.040]  The main benefit is the information, and there may be a small degree of payout at some point in time.
[41:13.040 --> 41:17.040]  But the main benefits are that you get to listen, you get the valuable information,
[41:17.040 --> 41:24.040]  and you get to have standing to be a co-plaintiff if there's ever a lawsuit filed, if you so desire.
[41:24.040 --> 41:30.040]  So anyone who has submitted a letter already is automatically a beneficiary of the trust.
[41:30.040 --> 41:35.040]  And if folks out there, if you would like to become a beneficiary of the trust,
[41:35.040 --> 41:40.040]  please send a letter and you can get that information off of the rule of law radio website.
[41:40.040 --> 41:43.040]  And Debra, if I might just have just a moment here.
[41:43.040 --> 41:51.040]  One of the issues with the FCC is the difference between inter and intra state.
[41:51.040 --> 41:54.040]  That is the carrying of the signal across state lines.
[41:54.040 --> 42:00.040]  They were trying to say that the signal might be blown across state lines.
[42:00.040 --> 42:03.040]  In previous cases.
[42:03.040 --> 42:08.040]  If there are people from other states supporting that micro.
[42:08.040 --> 42:09.040]  That would actually hurt us.
[42:09.040 --> 42:11.040]  That takes away the yes, absolutely.
[42:11.040 --> 42:25.040]  Now, if you can draw a compass circle around that broadcast transmitter, you can unequivocally show
[42:25.040 --> 42:32.040]  by the membership of the beneficiaries of the trust that that signal is not going outside that compass.
[42:32.040 --> 42:39.040]  Yeah, you have to be a listener of the station, not just a listener of rule of law radio,
[42:39.040 --> 42:44.040]  but Michael, but believe me, rule of law radio, the network needs support as well.
[42:44.040 --> 42:46.040]  Wait a minute, wait a minute.
[42:46.040 --> 42:56.040]  The court in Nevada ruled that while the signal may not travel laterally 25 miles to the border,
[42:56.040 --> 43:06.040]  there is this very remote possibility that if there is this certain kind of atmospheric phenomenally
[43:06.040 --> 43:16.040]  that the signal could travel 125 miles up to the ionosphere, bounce off of the ionosphere,
[43:16.040 --> 43:21.040]  and travel 125 miles back down and land in another state.
[43:21.040 --> 43:22.040]  Right.
[43:22.040 --> 43:23.040]  Now, number one, that's preemption.
[43:23.040 --> 43:25.040]  Number two, that's preposterous.
[43:25.040 --> 43:30.040]  Number three, I think that was a shortwave case, not FM, which is totally different.
[43:30.040 --> 43:32.040]  The physics are totally different.
[43:32.040 --> 43:38.040]  So yeah, the answer, Michael, is sorry, but you can't submit a letter, but thank you.
[43:38.040 --> 43:42.040]  But if you would like to support rule of law radio network, we sure do need the help.
[43:42.040 --> 43:45.040]  I sure appreciate your willing to do that.
[43:45.040 --> 43:47.040]  Yes, thank you, Michael.
[43:47.040 --> 43:49.040]  You had some more questions, too, didn't you, Mike?
[43:49.040 --> 43:50.040]  Yes, I definitely did.
[43:50.040 --> 43:51.040]  That was just one quick one.
[43:51.040 --> 43:52.040]  Okay, stay on the line.
[43:52.040 --> 43:53.040]  Stay on the line, Michael.
[43:53.040 --> 43:54.040]  We're going to break.
[43:54.040 --> 43:55.040]  We'll be right back.
[43:55.040 --> 44:01.040]  Callers, if you'd like to call in, 512-646-1984.
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[44:51.040 --> 44:58.040]  Taste the difference. Feel the difference at HempUSA.org today.
[45:21.040 --> 45:27.040]  Such a sentimental soldier, a warrior of love, scuffling the keys of peace.
[45:27.040 --> 45:32.040]  All they're taking is a misunderstanding, if somebody calls the police.
[45:32.040 --> 45:56.040]  Watchin' the sparks fly, watchin' the sparks fly.
[45:56.040 --> 46:06.040]  Okay, folks, we are back.
[46:06.040 --> 46:13.040]  We've got Michael from Maryland, and callers, if you'd like to call in, 512-646-1984.
[46:13.040 --> 46:16.040]  All right, Michael, go ahead. What's your other question?
[46:16.040 --> 46:21.040]  Great. So for anybody who's listening to the show and has not yet written a letter,
[46:21.040 --> 46:26.040]  please have mercy on a Texas wannabe and send a letter in, please, for me to see online.
[46:26.040 --> 46:31.040]  Okay. So the key question I want to get to first,
[46:31.040 --> 46:35.040]  because I don't want it to be cut off because of other callers or what have you,
[46:35.040 --> 46:41.040]  or things going too long, but is when you said it before, you said it before, Randy,
[46:41.040 --> 46:44.040]  and you're saying, you said it again tonight, where you said,
[46:44.040 --> 46:49.040]  well, why did they do this thing that presumably is counterintuitive or that causes harm?
[46:49.040 --> 46:55.040]  Follow the money. Three years later, they file XYZ paperwork and they make money that way.
[46:55.040 --> 46:58.040]  The question that's kind of been bugging me in the back of my mind
[46:58.040 --> 47:02.040]  and that has occurred to me consciously here tonight is, wait a minute,
[47:02.040 --> 47:06.040]  if let's assume for a minute that they're either getting a tax break
[47:06.040 --> 47:09.040]  or they're getting some kind of value, like from an insurance company,
[47:09.040 --> 47:15.040]  why isn't it that that insurance company or that government agency in its own self-interest
[47:15.040 --> 47:19.040]  isn't saying, wait a minute, something isn't kosher here, something isn't right here,
[47:19.040 --> 47:24.040]  especially if it's being done on a mass scale, why isn't it raising some red flags
[47:24.040 --> 47:29.040]  and causing somebody, whether it's a for-profit or a government agency,
[47:29.040 --> 47:34.040]  to stand up and take notice and say, wait a minute, what do you think you're doing?
[47:34.040 --> 47:36.040]  Because nobody's made it an issue.
[47:36.040 --> 47:42.040]  Well, everybody profits. Everybody in the mix profits.
[47:42.040 --> 47:51.040]  And the biggest problem in the whole mix are the credit default swaps, the insurance derivatives.
[47:51.040 --> 48:00.040]  Well, most of us, when we think of mortgages, we think of mortgages from an archaic perspective.
[48:00.040 --> 48:04.040]  We think of it's a wonderful life.
[48:04.040 --> 48:05.040]  It's a wonderful life, yeah.
[48:05.040 --> 48:10.040]  Yeah, where a bank lends out its money and then collects it back.
[48:10.040 --> 48:12.040]  Well, after the mid-'90s...
[48:12.040 --> 48:15.040]  The insurance company, aren't they concerned about that loss?
[48:15.040 --> 48:17.040]  Don't they want to avoid that loss?
[48:17.040 --> 48:21.040]  Absolutely not. It's chump change.
[48:21.040 --> 48:26.040]  Besides, it's not a loss. They're not lending you anything. This is how...
[48:26.040 --> 48:30.040]  Not me, Deborah, not me, the homeowner or anything.
[48:30.040 --> 48:36.040]  I'm talking about when they pay off Chase, I mean, when they pay off Chase Manhattan or whoever,
[48:36.040 --> 48:41.040]  because the three years have gone by and they write it off, don't they care that they're having to transfer funds
[48:41.040 --> 48:45.040]  out of their account into the bank's account?
[48:45.040 --> 48:46.040]  I miss that.
[48:46.040 --> 48:47.040]  Can you repeat that?
[48:47.040 --> 48:49.040]  I'm not understanding.
[48:49.040 --> 48:51.040]  I'm having trouble understanding.
[48:51.040 --> 48:58.040]  It's a debit and a credit type of T account transaction taking place there where, you know, the three years goes by and...
[48:58.040 --> 49:07.040]  Okay, wait, wait, wait. You're stuck in the notion that the lender cares whether or not you pay back the note.
[49:07.040 --> 49:08.040]  No, no, I really don't care.
[49:08.040 --> 49:09.040]  He doesn't.
[49:09.040 --> 49:11.040]  I don't think he knows that way.
[49:11.040 --> 49:16.040]  There is a dynamic going on that most of us don't know about.
[49:16.040 --> 49:30.040]  When the lender creates the security instrument, the lenders are deliberately creating a note they intend that you default.
[49:30.040 --> 49:35.040]  You know, we think about banks lending out their money and then having to collect it back.
[49:35.040 --> 49:39.040]  After the securitization of notes, all of that changed.
[49:39.040 --> 49:46.040]  Now you've got these guys that they go to Bank of America, Wells Fargo, Chase.
[49:46.040 --> 49:52.040]  They get a large loan and they convert that loan into 20 and 30-year mortgages.
[49:52.040 --> 49:58.040]  And as soon as you sign the note, they take it to an investor and sell it.
[49:58.040 --> 50:00.040]  So they're no longer in the mix.
[50:00.040 --> 50:08.040]  They call themselves mortgage companies or banks, but they're not banks or mortgage companies in the traditional sense.
[50:08.040 --> 50:17.040]  They're merely brokers who go out and create this security instrument and then sell it.
[50:17.040 --> 50:21.040]  Once they've sold it, they can't be harmed.
[50:21.040 --> 50:24.040]  So if it defaults, they don't care.
[50:24.040 --> 50:25.040]  They don't lose anything.
[50:25.040 --> 50:27.040]  It seems like we're not hitting each other.
[50:27.040 --> 50:35.040]  So why don't I send an email maybe to MS Fraud Detection because I know you're really quite busy, Randy, and maybe we can iron it out that way to clarify that.
[50:35.040 --> 50:37.040]  So let's handle it that way if you don't mind.
[50:37.040 --> 50:41.040]  We'll let that go for now because I don't think you're quite understanding the nature of my question.
[50:41.040 --> 50:42.040]  So let me move on to the last one.
[50:42.040 --> 50:43.040]  Wait, wait, wait a minute.
[50:43.040 --> 50:48.040]  You're speaking too fast and I'm having a lot of trouble understanding you.
[50:48.040 --> 50:55.040]  Well, I simply was saying that it seems like you're not understanding the precise question I'm giving you.
[50:55.040 --> 51:04.040]  So why don't I put it in writing in an email to Endless Fraud Detection because I know you're quite busy, Randy, and then maybe that way.
[51:04.040 --> 51:09.040]  That would go to Randy at Remedies in Real Estate.
[51:09.040 --> 51:10.040]  Okay.
[51:10.040 --> 51:11.040]  I could do that too.
[51:11.040 --> 51:27.040]  But in any event, my other key question is in our case, we are fully paid up on our mortgage and we're thinking about possibly moving in one to two years or else possibly renting or selling our home.
[51:27.040 --> 51:51.040]  And I'm wondering if we're fully paid up and we know we have MERS in a refinance that took place in 2005, whether it is not a wise idea to try to get entangled with, you know, challenging the fraud at that stage of the game if you're one to two years away possibly from moving.
[51:51.040 --> 51:53.040]  I'm having trouble understanding him.
[51:53.040 --> 51:57.040]  Randy, why don't you turn up the volume on your headphones?
[51:57.040 --> 51:58.040]  It's not that.
[51:58.040 --> 51:59.040]  It's the fidelity.
[51:59.040 --> 52:00.040]  I just switched it.
[52:00.040 --> 52:05.040]  I've only got one ear, so I switched to a good ear.
[52:05.040 --> 52:23.040]  The basic question is if you only have one to two years left in your home and you're going to move, whether you sell your house or whether you rent it, is it perhaps a bad idea to get entangled in challenging the fraud in the courts, you know, with the-
[52:23.040 --> 52:24.040]  No.
[52:24.040 --> 52:26.040]  That doesn't have anything to do with it.
[52:26.040 --> 52:30.040]  How long have you been paying on the house?
[52:30.040 --> 52:37.040]  Since 2004 and then in 2005 we refinanced and there is a MERS rider in our 2005.
[52:37.040 --> 52:38.040]  Okay.
[52:38.040 --> 52:39.040]  Okay.
[52:39.040 --> 52:41.040]  Here you go.
[52:41.040 --> 52:49.040]  Predatory lending dug its heels in with the passing of the Graham Leach Bailey Act.
[52:49.040 --> 53:04.040]  The Graham Leach Bailey Act at the end of 99, beginning of 2000, repealed the Glass-Steagall Act, enter stage left the old time bucket shops, derivatives, credit defaults.
[53:04.040 --> 53:06.040]  It was the year 2000.
[53:06.040 --> 53:27.040]  Hang on, predatory lending peaked in 2006, 2007, so if you refinanced in 2005, you've got a better chance of finding more violations than somebody who's been in their mortgage since, say, 2000 and never refied.
[53:27.040 --> 53:44.040]  With mortgage analyses, we tend to find more violations in refinance contracts than we do in original mortgages and those are primarily between the years 2005, 2009.
[53:44.040 --> 53:46.040]  You're right in the crosshairs.
[53:46.040 --> 54:02.040]  Suggestion, look at your HUD-1 settlement statement, page 2. It starts with line 700 and lists all of the fees you paid at closing.
[54:02.040 --> 54:20.040]  See if you see a loan processing fee, an administration fee, a document preparation fee. See if you see any fee that shows to be paid back to the lender.
[54:20.040 --> 54:43.040]  The State Settlement Procedures Act restricts the fees they can charge the lender to those fees the lender would have to pay if the lender purchased the house in cash and those fees the borrower would have to pay if they purchased the house in cash.
[54:43.040 --> 55:05.040]  And those fees the lender must pay to a third-party vendor. Everything else, all of the other costs to the lender are considered the normal part of doing business and the lender is intended that those fees be absorbed in the interest that you pay.
[55:05.040 --> 55:18.040]  So if you see fees on the HUD-1 settlement statement that are paid back to the lender, you can be fairly certain they are fraud.
[55:18.040 --> 55:25.040]  It doesn't take much fraud to render the contract garbage.
[55:25.040 --> 55:44.040]  In direct relation to your question, if the question is centered around a timeline since you've only got two years left in the home, the whole process could start and end within 90 to 120 days.
[55:44.040 --> 55:51.040]  That's not a guarantee. Best case scenario, 90 days, you're out of there.
[55:51.040 --> 56:03.040]  Let's back up a minute. Are you saying that you're about to pay the home off completely or you're just about to move out of the home and do something else with it?
[56:03.040 --> 56:08.040]  The latter is closer. We're thinking of moving maybe to Texas actually.
[56:08.040 --> 56:23.040]  Okay. So then it makes no, in either case, it makes no difference. The one really, rather what you do with the property has nothing to do with the fact that the lender may or may not have committed fraud.
[56:23.040 --> 56:30.040]  You can go after him for fraud and there's nothing he can do about it.
[56:30.040 --> 56:36.040]  It doesn't affect your position as far as you're standing toward the note.
[56:36.040 --> 56:47.040]  But would you not agree that for purposes of a settlement and a possible cloud on title that it could complicate the settlement of the home if we did decide to sell and this thing was not resolved?
[56:47.040 --> 56:55.040]  Oh, no. Absolutely not. You're the one that's creating the cloud, not them.
[56:55.040 --> 57:10.040]  You can see they don't have any claim greater than what they already had. If you're looking to sell the property, you can still pay off the property and still have the claim against the lender.
[57:10.040 --> 57:11.040]  Oh, I see.
[57:11.040 --> 57:15.040]  Yeah, it shouldn't affect that in any way.
[57:15.040 --> 57:25.040]  Oh, so that suggests that it should be immaterial and not really something we would need to report to the prospective purchaser of the home then?
[57:25.040 --> 57:31.040]  Absolutely not, because there's no cloud on the title other than the cloud you put on the title.
[57:31.040 --> 57:34.040]  But you're not clouding the title.
[57:34.040 --> 57:53.040]  However, it is the lender who has a claim against the title, and you're challenging the lender's claim if you didn't sue and you decided to sell and you made the arrangements and paid off the lender and got title and made the sale.
[57:53.040 --> 57:57.040]  If there's a suit in place, it doesn't affect that at all.
[57:57.040 --> 58:07.040]  You can still pay an off and still maintain your claim against the lender.
[58:07.040 --> 58:14.040]  Okay, we're about to go to break. I'm having trouble understanding that.
[58:14.040 --> 58:17.040]  What did you just say, Michael?
[58:17.040 --> 58:21.040]  The Living Lies WordPress blog.
[58:21.040 --> 58:28.040]  Okay, what is it? Yeah, Living Lies WordPress. It's Neil Garfield's website. Good website.
[58:28.040 --> 58:33.040]  There's a comment about whether you like that or not after the break. That would be great, and I'll hang up.
[58:33.040 --> 58:37.040]  Yes, there's a lot of good information on that website.
[58:37.040 --> 58:38.040]  Okay, thanks, Michael.
[58:38.040 --> 58:40.040]  Thank you.
[58:40.040 --> 58:47.040]  Okay, and I just got word from Eddie. He is going to be joining us over the top of our break, so we'll have Eddie when we get back on the other side.
[58:47.040 --> 58:58.040]  We see Carlos in California. This is the rule of law. Callers, if you'd like to call in, 512-646-1984. We will be right back, folks.
[59:17.040 --> 59:19.040]  Thank you.
[59:47.040 --> 01:00:05.040]  This news brief brought to you by the International News Net.
[01:00:05.040 --> 01:00:13.040]  South African police used rubber bullets and water cannons against teachers during a nationwide civil servant strike in Johannesburg Thursday.
[01:00:13.040 --> 01:00:19.040]  1.3 million striking workers mean hospitals, courts, and schools have ceased to function.
[01:00:19.040 --> 01:00:25.040]  The military is being mobilized ahead of anticipated unrest.
[01:00:25.040 --> 01:00:36.040]  A UN report released Thursday reveals Israeli defense forces restricted access to 17 percent of Gaza's farmland and 85 percent of the naval territory,
[01:00:36.040 --> 01:00:40.040]  to which Palestinians are entitled under the Oslo Accords.
[01:00:40.040 --> 01:00:48.040]  These restrictions are enforced under Israeli threat of live fire and have led to 22 Palestinians being killed.
[01:00:48.040 --> 01:00:56.040]  Former Governor Jesse Ventura warns the U.S. homeland security is rapidly becoming the American Gestapo.
[01:00:56.040 --> 01:01:02.040]  When Ventura attempted to get permission to film the JFK memorial at Arlington Cemetery,
[01:01:02.040 --> 01:01:08.040]  he was refused on the grounds the Army didn't like Ventura's hit TV show, Conspiracy Theory.
[01:01:08.040 --> 01:01:12.040]  This news brief brought to you by the International News Net.
[01:01:12.040 --> 01:01:21.040]  French police stood helpless last Sunday as 60 people locked inside a field of genetically modified grapevines uprooted all the plants.
[01:01:21.040 --> 01:01:26.040]  And in Spain last month, dozens of people destroyed two GMO fields.
[01:01:26.040 --> 01:01:33.040]  After the Haiti earthquake, 10,000 Haitian farmers marched to protest Monsanto's Poison Gift,
[01:01:33.040 --> 01:01:38.040]  a 475 tons of hybrid corn and Terminator vegetable seeds.
[01:01:38.040 --> 01:01:47.040]  Haitian farm leader Chauvin Jean-Patrice stated GMO seeds make farmers dependent on multinational corporations.
[01:01:47.040 --> 01:01:55.040]  Critics say GMOs were secretly introduced in the U.S. in the mid-1990s, and the U.S. Supreme Court is only now addressing the scourge.
[01:01:55.040 --> 01:02:05.040]  Public opposition to GM crops has grown in recent years as more evidence shows DNA altered crops require massive quantities of chemical fertilizers,
[01:02:05.040 --> 01:02:16.040]  cross-pollinate with natural crops, create superweeds, and have been shown to cause organ damage, sterility, diabetes, and obesity in mammals.
[01:02:16.040 --> 01:02:20.040]  In the latest development in the Ground Zero Mosque controversy,
[01:02:20.040 --> 01:02:25.040]  House Speaker Nancy Pelosi is questioning who's funding the anti-mosque movement.
[01:02:25.040 --> 01:02:31.040]  A new poll shows 63% of New Yorkers oppose the Park 51 Mosque and Community Center.
[01:02:31.040 --> 01:02:38.040]  But incredibly, when asked if Muslims have the right to build at Ground Zero, 64% said yes.
[01:02:38.040 --> 01:02:43.040]  Elaine Bauer is organizing a rally for Sunday to show support for the mosque.
[01:02:43.040 --> 01:02:53.040]  Bauer said, quote, we are going back to 1945 when we demonized Japanese Americans, adding, we do that all the time in this country.
[01:03:13.040 --> 01:03:16.040]  The Park Radio at its best.
[01:04:13.040 --> 01:04:33.040]  Okay, folks, we are back.
[01:04:33.040 --> 01:04:39.040]  Callers, if you'd like to call in, 512-646-1984.
[01:04:39.040 --> 01:04:42.040]  And we have Eddie Craig back.
[01:04:42.040 --> 01:04:45.040]  He is with us for the final hour here.
[01:04:45.040 --> 01:04:47.040]  And we are taking your calls.
[01:04:47.040 --> 01:04:49.040]  We've got Carlos in California.
[01:04:49.040 --> 01:04:51.040]  Carlos, thanks for calling in.
[01:04:51.040 --> 01:04:52.040]  What's on your mind tonight?
[01:04:52.040 --> 01:04:53.040]  Thank you.
[01:04:53.040 --> 01:04:54.040]  Thank you.
[01:04:54.040 --> 01:04:55.040]  Good evening, everybody.
[01:04:55.040 --> 01:04:59.040]  Yes, this other caller was inquiring about Neil Garfield.
[01:04:59.040 --> 01:05:01.040]  I went to his seminar.
[01:05:01.040 --> 01:05:04.040]  Whether we like it or not, he's one of the great in the United States.
[01:05:04.040 --> 01:05:06.040]  And he's on our side.
[01:05:06.040 --> 01:05:08.040]  He's teaching everybody about securitization.
[01:05:08.040 --> 01:05:20.040]  He's doing a great job, and he's just turning all the rocks and every stone out there and letting people know where the money came from,
[01:05:20.040 --> 01:05:24.040]  exactly what these two gentlemen, Randy and the other gentleman, are explaining.
[01:05:24.040 --> 01:05:26.040]  He explains it the same way.
[01:05:26.040 --> 01:05:30.040]  So that tells me Randy is right and these other gentlemen is right.
[01:05:30.040 --> 01:05:31.040]  So we're on the right track.
[01:05:31.040 --> 01:05:33.040]  That's what I'm trying to say.
[01:05:33.040 --> 01:05:37.040]  Now, going back to the securitization, we know all that.
[01:05:37.040 --> 01:05:39.040]  In California, we know all that.
[01:05:39.040 --> 01:05:41.040]  We know where the money came from.
[01:05:41.040 --> 01:05:43.040]  We know about the credit swaps.
[01:05:43.040 --> 01:05:44.040]  We know most of the stuff.
[01:05:44.040 --> 01:05:47.040]  We know it, but how can we bring it in court?
[01:05:47.040 --> 01:05:48.040]  That's the problem.
[01:05:48.040 --> 01:05:50.040]  Are they going to allow it?
[01:05:50.040 --> 01:05:52.040]  Are they going to put a protective order?
[01:05:52.040 --> 01:05:54.040]  Are they going to ignore us?
[01:05:54.040 --> 01:06:01.040]  Or are they going to minimize the amount of what is called evidence that we can bring in?
[01:06:01.040 --> 01:06:03.040]  How are we going to do it with being in there?
[01:06:03.040 --> 01:06:06.040]  Because I'm doing a securitization on my personal loan right now.
[01:06:06.040 --> 01:06:09.040]  It's costing me $2,500, which is fine.
[01:06:09.040 --> 01:06:15.040]  I mean, the way I look at it, spending $2,500 versus a $669,000 loan is nothing.
[01:06:15.040 --> 01:06:18.040]  Because if I do it that way, most likely...
[01:06:18.040 --> 01:06:20.040]  Wait, what is that you're doing on your loan?
[01:06:20.040 --> 01:06:23.040]  A securitization.
[01:06:23.040 --> 01:06:30.040]  Are you doing the title autopsy?
[01:06:30.040 --> 01:06:33.040]  They're doing the title autopsy.
[01:06:33.040 --> 01:06:34.040]  They're bringing it out.
[01:06:34.040 --> 01:06:35.040]  I'm not doing it myself.
[01:06:35.040 --> 01:06:37.040]  I have somebody else doing it.
[01:06:37.040 --> 01:06:40.040]  This is Choppa doing it, Coppa doing it.
[01:06:40.040 --> 01:06:41.040]  I'm sorry?
[01:06:41.040 --> 01:06:43.040]  Yeah, we're looking at that.
[01:06:43.040 --> 01:06:49.040]  I'm hiring someone to go on EDGAR full-time to start digging through this,
[01:06:49.040 --> 01:06:55.040]  to pull up where the security instrument has been.
[01:06:55.040 --> 01:06:56.040]  Right.
[01:06:56.040 --> 01:06:57.040]  Change of title.
[01:06:57.040 --> 01:07:06.040]  Go back to the county records and figure out where the lien document has been.
[01:07:06.040 --> 01:07:10.040]  And the way we're going to get these guys is to increase our technology.
[01:07:10.040 --> 01:07:18.040]  And from what I'm getting from the courts, the briefs that I'm getting back from the courts
[01:07:18.040 --> 01:07:25.040]  when they deny something that we file, they're giving us some really good briefs.
[01:07:25.040 --> 01:07:33.040]  And it's telling me that they're saying to us, give me something I can rule on.
[01:07:33.040 --> 01:07:40.040]  Everything indicates that the politics is moving against the lender.
[01:07:40.040 --> 01:07:43.040]  And the judges are saying, help me out here.
[01:07:43.040 --> 01:07:48.040]  The bosses give me directions to rule against the lender.
[01:07:48.040 --> 01:07:51.040]  Give me something I can do it with.
[01:07:51.040 --> 01:07:53.040]  So I'm encouraged.
[01:07:53.040 --> 01:07:55.040]  We have to increase our technology.
[01:07:55.040 --> 01:07:58.040]  You know, Randy, these judges have got to be getting tired
[01:07:58.040 --> 01:08:01.040]  of kicking their neighbors out of their houses.
[01:08:01.040 --> 01:08:03.040]  It's got to be weighing on their consciences.
[01:08:03.040 --> 01:08:08.040]  I can't say all of them, but there's clearly enough judges out there right now,
[01:08:08.040 --> 01:08:12.040]  particularly in the federal venue, that are catching on to this.
[01:08:12.040 --> 01:08:13.040]  Wait a minute, Bank.
[01:08:13.040 --> 01:08:18.040]  Yeah, and also I think that everyone is so mad at the banksters these days
[01:08:18.040 --> 01:08:22.040]  that the judges are wanting to go after the banks now.
[01:08:22.040 --> 01:08:25.040]  I think the politicians are telling them to,
[01:08:25.040 --> 01:08:28.040]  because in the end the law doesn't matter.
[01:08:28.040 --> 01:08:29.040]  Everything is political.
[01:08:29.040 --> 01:08:32.040]  I think that they're just mad of their own accord.
[01:08:32.040 --> 01:08:36.040]  They're probably seeing members of their family and their friends
[01:08:36.040 --> 01:08:38.040]  getting messed over by the banks.
[01:08:38.040 --> 01:08:44.040]  I mean, my friend Willow, she was dealing with a lawsuit
[01:08:44.040 --> 01:08:47.040]  regarding credit card issues, and she used the Mike Mears method.
[01:08:47.040 --> 01:08:51.040]  And, you know, no politician told this judge to do anything.
[01:08:51.040 --> 01:08:55.040]  But this judge ended up ruling in Willow's favor,
[01:08:55.040 --> 01:08:58.040]  and then after the hearing was over, she said,
[01:08:58.040 --> 01:09:00.040]  you know, can you please come here?
[01:09:00.040 --> 01:09:01.040]  I want to see these documents,
[01:09:01.040 --> 01:09:05.040]  because my daughter is fighting a credit card issue right now,
[01:09:05.040 --> 01:09:08.040]  and I want to use these documents in her case.
[01:09:08.040 --> 01:09:12.040]  So I think that, you know, the judges are just like everyone else these days,
[01:09:12.040 --> 01:09:15.040]  and everyone is starting to figure out who the real enemy is.
[01:09:15.040 --> 01:09:18.040]  I don't think that it's necessarily that the politicians are telling them to do it.
[01:09:18.040 --> 01:09:21.040]  Well, they're going to follow the politicians.
[01:09:21.040 --> 01:09:22.040]  Maybe.
[01:09:22.040 --> 01:09:23.040]  At least we have to assume that they are.
[01:09:23.040 --> 01:09:24.040]  However, you're right.
[01:09:24.040 --> 01:09:25.040]  Maybe.
[01:09:25.040 --> 01:09:27.040]  You're exactly right.
[01:09:27.040 --> 01:09:31.040]  I've got a reference to a judge in Michigan.
[01:09:31.040 --> 01:09:33.040]  This judge is retiring.
[01:09:33.040 --> 01:09:39.040]  I'm trying to recruit her to start a law firm in Michigan.
[01:09:39.040 --> 01:09:42.040]  She had 36 houses.
[01:09:42.040 --> 01:09:45.040]  She lost 35 of them.
[01:09:45.040 --> 01:09:49.040]  She is not a happy camper,
[01:09:49.040 --> 01:09:52.040]  and I suspect there are a lot of judges out there in the same place
[01:09:52.040 --> 01:09:58.040]  where they invested in real estate, and they're getting clobbered as well.
[01:09:58.040 --> 01:10:02.040]  I did a mock trial recently in Massachusetts,
[01:10:02.040 --> 01:10:06.040]  and they had me sit up as the judge.
[01:10:06.040 --> 01:10:07.040]  So this is a mock trial.
[01:10:07.040 --> 01:10:09.040]  So I know everybody, all the actors.
[01:10:09.040 --> 01:10:10.040]  The jury didn't.
[01:10:10.040 --> 01:10:14.040]  They selected a jury and got people who didn't know what was going on to act as the jury.
[01:10:14.040 --> 01:10:18.040]  Well, Kevin, he's the guy that's getting prosecuted.
[01:10:18.040 --> 01:10:22.040]  I just got notice today that he got the deal he wanted,
[01:10:22.040 --> 01:10:25.040]  but he came in and he's arguing his issue,
[01:10:25.040 --> 01:10:27.040]  and I'm sitting up there as the judge, and I'm thinking,
[01:10:27.040 --> 01:10:31.040]  Kevin, you're arguing crap.
[01:10:31.040 --> 01:10:36.040]  The stuff you're arguing has no bearing on the case,
[01:10:36.040 --> 01:10:42.040]  and I want to tell him, cut that out and give me something I can rule for you on.
[01:10:42.040 --> 01:10:44.040]  He's objecting.
[01:10:44.040 --> 01:10:48.040]  He doesn't know how to object, and I'm denying his objections,
[01:10:48.040 --> 01:10:52.040]  and Pastor Massad is the prosecutor, and he's just eating Kevin for lunch.
[01:10:52.040 --> 01:10:55.040]  And I'm squirming here in my seat.
[01:10:55.040 --> 01:10:57.040]  I want to give him what he wants.
[01:10:57.040 --> 01:11:02.040]  I agree with him, but he's not giving me anything to work with.
[01:11:02.040 --> 01:11:05.040]  And when we were filing these cases,
[01:11:05.040 --> 01:11:09.040]  and the judge are denying primarily our temporary restraining orders
[01:11:09.040 --> 01:11:12.040]  and motion for preliminary injunction,
[01:11:12.040 --> 01:11:15.040]  and even after they've denied the motion,
[01:11:15.040 --> 01:11:19.040]  they're giving us these incredible briefs
[01:11:19.040 --> 01:11:23.040]  telling us exactly what we need to give them
[01:11:23.040 --> 01:11:29.040]  so that they can give us the rulings that we're asking for.
[01:11:29.040 --> 01:11:31.040]  The things are turning in our favor.
[01:11:31.040 --> 01:11:34.040]  We just got to get our technology up to speed.
[01:11:34.040 --> 01:11:39.040]  We had a client that filed a suit,
[01:11:39.040 --> 01:11:47.040]  and he didn't put any attachments or any exhibits.
[01:11:47.040 --> 01:11:54.040]  The judge in that federal court gave him literally a roadmap
[01:11:54.040 --> 01:11:58.040]  of what needed to be fixed in his pleading.
[01:11:58.040 --> 01:12:00.040]  Gave him a finding. He didn't ask for it.
[01:12:00.040 --> 01:12:04.040]  He got a finding of facts and conclusions
[01:12:04.040 --> 01:12:07.040]  as to why the judge gave him back his case,
[01:12:07.040 --> 01:12:11.040]  told him go fix these deficiencies and refile it.
[01:12:11.040 --> 01:12:13.040]  Yes, I have a friend from Pennsylvania
[01:12:13.040 --> 01:12:17.040]  that filed a case in the Pennsylvania Supreme Court,
[01:12:17.040 --> 01:12:22.040]  and the court denied his petition.
[01:12:22.040 --> 01:12:33.040]  But the decision in denying his petition was three times as long as his petition,
[01:12:33.040 --> 01:12:36.040]  and they went into excruciating detail
[01:12:36.040 --> 01:12:43.040]  into exactly what he had to do to give them what they needed.
[01:12:43.040 --> 01:12:47.040]  I think if we stop treating all of the courts
[01:12:47.040 --> 01:12:50.040]  as if they're some kind of black world terrorists
[01:12:50.040 --> 01:12:52.040]  and give them half an opportunity
[01:12:52.040 --> 01:12:57.040]  and get our act together and increase our technology
[01:12:57.040 --> 01:13:00.040]  and pay attention to what the judge needs and give it to him,
[01:13:00.040 --> 01:13:02.040]  I think we're going to start getting rulings in our favor.
[01:13:02.040 --> 01:13:09.040]  The courts are starting to kind of help us from a pro se level.
[01:13:09.040 --> 01:13:13.040]  They're starting to see that the tides are turning.
[01:13:13.040 --> 01:13:18.040]  Yeah, I think that the judges are probably telling the politicians what to do.
[01:13:18.040 --> 01:13:23.040]  They're probably telling the politicians to pass these banking laws
[01:13:23.040 --> 01:13:26.040]  because they're tired of dealing with it too.
[01:13:26.040 --> 01:13:29.040]  Okay, we have every member of the House of Representatives
[01:13:29.040 --> 01:13:32.040]  up for election in November.
[01:13:32.040 --> 01:13:36.040]  They're going into the election with a 12% approval rating.
[01:13:36.040 --> 01:13:40.040]  I was in North Carolina, and when I was there I was watching the news
[01:13:40.040 --> 01:13:43.040]  and they had a primary runoff.
[01:13:43.040 --> 01:13:48.040]  They had two incumbents in the primary runoff.
[01:13:48.040 --> 01:13:50.040]  Both of them lost.
[01:13:50.040 --> 01:13:54.040]  Both of them lost by a very large margin.
[01:13:54.040 --> 01:13:59.040]  The reason they got in the primary is so many people were running against them
[01:13:59.040 --> 01:14:03.040]  and they were so well known that they got a small edge.
[01:14:03.040 --> 01:14:06.040]  But both incumbents lost.
[01:14:06.040 --> 01:14:11.040]  The politicians in Washington can hear the toilet flushing.
[01:14:11.040 --> 01:14:12.040]  Yes, they can.
[01:14:12.040 --> 01:14:16.040]  In November, they allotted $200 million to the FBI
[01:14:16.040 --> 01:14:19.040]  to start investigating financial crimes.
[01:14:19.040 --> 01:14:24.040]  When that occurred, I'm thinking July, August or June, July,
[01:14:24.040 --> 01:14:27.040]  they're going to start indicting.
[01:14:27.040 --> 01:14:30.040]  September, October, they're going to start prosecuting.
[01:14:30.040 --> 01:14:36.040]  So they can say to the public, oh, look at these dirty, rotten scoundrels
[01:14:36.040 --> 01:14:38.040]  that are stealing all your homes.
[01:14:38.040 --> 01:14:40.040]  Look what we're doing to punish them.
[01:14:40.040 --> 01:14:43.040]  Well, it's going beyond that, Randy.
[01:14:43.040 --> 01:14:48.040]  Wells Fargo is being sued in the Hague right now.
[01:14:48.040 --> 01:14:51.040]  Wells Fargo Mortgage Company is being sued in the Hague
[01:14:51.040 --> 01:14:53.040]  for international securities fraud.
[01:14:53.040 --> 01:14:56.040]  I just went to Wells Fargo Bank today.
[01:14:56.040 --> 01:14:57.040]  Did you now?
[01:14:57.040 --> 01:14:58.040]  Yes, I did.
[01:14:58.040 --> 01:15:01.040]  And I moved some funds around and there's a guy there,
[01:15:01.040 --> 01:15:07.040]  a kid there that knows me, a young kid there at Wachovia.
[01:15:07.040 --> 01:15:08.040]  Wells Fargo.
[01:15:08.040 --> 01:15:10.040]  Well, they've combined.
[01:15:10.040 --> 01:15:11.040]  Oh.
[01:15:11.040 --> 01:15:15.040]  So he said to me, did you hear about the suit against Wells Fargo?
[01:15:15.040 --> 01:15:18.040]  I said, which one?
[01:15:18.040 --> 01:15:24.040]  There was a suit against Wells Fargo based on how they handled their overdrafts.
[01:15:24.040 --> 01:15:29.040]  And they got sanctioned major big time.
[01:15:29.040 --> 01:15:33.040]  So the government is vilifying the banks.
[01:15:33.040 --> 01:15:36.040]  They're demonizing the banks.
[01:15:36.040 --> 01:15:40.040]  The politicians, in order to get elected, they need a sacrificial lamb.
[01:15:40.040 --> 01:15:43.040]  And who else is out there?
[01:15:43.040 --> 01:15:44.040]  The lenders.
[01:15:44.040 --> 01:15:46.040]  They're the only ones they've got.
[01:15:46.040 --> 01:15:54.040]  And the problem the lender has, if the politicians influence the judges
[01:15:54.040 --> 01:15:57.040]  to crucify the lenders before the election,
[01:15:57.040 --> 01:16:03.040]  they create all this precedent that's going to follow them after the election.
[01:16:03.040 --> 01:16:08.040]  So if you have a mortgage, you've got to understand what's happening
[01:16:08.040 --> 01:16:09.040]  to the real estate market.
[01:16:09.040 --> 01:16:11.040]  The real estate market's in freefall.
[01:16:11.040 --> 01:16:16.040]  If you got a mortgage two years ago or in 06, 07, high to the bubble,
[01:16:16.040 --> 01:16:22.040]  you paid, say, $300,000 for your property, try to get $200,000 for it now.
[01:16:22.040 --> 01:16:24.040]  Good luck, Bubba.
[01:16:24.040 --> 01:16:27.040]  Wait a year and a half and try to get $80,000.
[01:16:27.040 --> 01:16:29.040]  This is what's happening.
[01:16:29.040 --> 01:16:33.040]  Yeah, the real estate market is in freefall.
[01:16:33.040 --> 01:16:35.040]  We know it. Lenders know it.
[01:16:35.040 --> 01:16:39.040]  Okay, listen, we kind of got away from our caller here.
[01:16:39.040 --> 01:16:40.040]  Sorry about that.
[01:16:40.040 --> 01:16:41.040]  We're about to go to break.
[01:16:41.040 --> 01:16:44.040]  Carlos, do you have some?
[01:16:44.040 --> 01:16:45.040]  Carlos, does it matter?
[01:16:45.040 --> 01:16:46.040]  Okay, wait, wait, hold on.
[01:16:46.040 --> 01:16:48.040]  Carlos, do you have any more for us?
[01:16:48.040 --> 01:16:50.040]  Yeah, you guys didn't let me finish.
[01:16:50.040 --> 01:16:51.040]  I know.
[01:16:51.040 --> 01:16:54.040]  Okay, Carlos, yeah, just hang on.
[01:16:54.040 --> 01:16:57.040]  We'll go right back to you when we get back on the other side.
[01:16:57.040 --> 01:17:02.040]  Okay.
[01:17:02.040 --> 01:17:06.040]  Capital Coin and Bullion is your local source for rare coins,
[01:17:06.040 --> 01:17:10.040]  precious metals, and coin supplies in the Austin metro area.
[01:17:10.040 --> 01:17:12.040]  We also ship worldwide.
[01:17:12.040 --> 01:17:15.040]  We are a family-owned and operated business that offers competitive prices
[01:17:15.040 --> 01:17:17.040]  on your coin and metals purchases.
[01:17:17.040 --> 01:17:22.040]  We buy, sell, trade, and consign rare coins, gold and silver coin collections,
[01:17:22.040 --> 01:17:24.040]  precious metals, and scrap gold.
[01:17:24.040 --> 01:17:28.040]  We will purchase and sell gold and jewelry items as well.
[01:17:28.040 --> 01:17:30.040]  We offer daily specials on coins and bullion.
[01:17:30.040 --> 01:17:34.040]  We're located at 5448 Burnett Road, Suite 3,
[01:17:34.040 --> 01:17:40.040]  and we're open Monday through Friday, 10 a.m. to 6 p.m., Saturdays, 10 a.m. to 5 p.m.
[01:17:40.040 --> 01:17:43.040]  You are welcome to stop in our shop during regular business hours
[01:17:43.040 --> 01:17:49.040]  or call 512-646-6440 with any questions.
[01:17:49.040 --> 01:17:54.040]  As for Chad and Say You Heard About Us on Rule of Law Radio or 90.1 FM,
[01:17:54.040 --> 01:18:00.040]  that's Capital Coin and Bullion, 512-646-6440.
[01:18:00.040 --> 01:18:20.040]  I'm Chad and Say You Heard About Us on Rule of Law Radio or 90.1 FM,
[01:18:20.040 --> 01:18:34.040]  10 a.m. to 6 p.m., Saturdays, 10 a.m. to 6 p.m.
[01:18:34.040 --> 01:18:38.040]  Okay, folks, we are back.
[01:18:38.040 --> 01:18:40.040]  All right, Carlos, we're going right straight to you,
[01:18:40.040 --> 01:18:43.040]  but Steve wanted to say something first.
[01:18:43.040 --> 01:18:45.040]  Yes, I did.
[01:18:45.040 --> 01:18:48.040]  In regard to the last caller, Michael in Maryland,
[01:18:48.040 --> 01:18:57.200]  I'd like to make emphatically clear that Randy works with remedies in real estate.
[01:18:57.200 --> 01:19:00.680]  I work with endless fraud detection services.
[01:19:00.680 --> 01:19:04.760]  Two completely separate companies with a common enemy.
[01:19:04.760 --> 01:19:06.280]  Okay?
[01:19:06.280 --> 01:19:11.680]  So Mike in Maryland, if you're still listening, if you're going to send Randy a message, send
[01:19:11.680 --> 01:19:12.680]  it to Randy.
[01:19:12.680 --> 01:19:15.400]  Randy does not work at endless fraud detection.
[01:19:15.400 --> 01:19:17.800]  I do not work at remedies in real estate.
[01:19:17.800 --> 01:19:20.280]  We're trying different approaches.
[01:19:20.280 --> 01:19:22.520]  We do kind of work together, but...
[01:19:22.520 --> 01:19:23.520]  Well, we do.
[01:19:23.520 --> 01:19:24.520]  We share ideas.
[01:19:24.520 --> 01:19:27.460]  We share, we use each other for sound boards.
[01:19:27.460 --> 01:19:29.960]  We do what we can to help each other.
[01:19:29.960 --> 01:19:34.900]  This, folks, we have got to come together as Americans.
[01:19:34.900 --> 01:19:42.360]  If we're going to get this country back, period, we are not in competition.
[01:19:42.360 --> 01:19:44.620]  We are, Randy and I are friends.
[01:19:44.620 --> 01:19:46.960]  As you can tell, we're on the air together.
[01:19:46.960 --> 01:19:51.360]  But we're not here, I'm not here to promote our services.
[01:19:51.360 --> 01:19:54.620]  I don't think Randy is promoting his services.
[01:19:54.620 --> 01:20:01.000]  We just want to give good, solid, basic information on what's gone wrong and what to do about
[01:20:01.000 --> 01:20:02.000]  it.
[01:20:02.000 --> 01:20:06.600]  And I really hope and pray that that's cleared up some confusion.
[01:20:06.600 --> 01:20:07.600]  Okay.
[01:20:07.600 --> 01:20:12.120]  We're going back to a caller now and there sounds like there's some background noise
[01:20:12.120 --> 01:20:14.520]  going on on you guys' end, Randy.
[01:20:14.520 --> 01:20:16.720]  Is it AC or dead?
[01:20:16.720 --> 01:20:20.280]  No, it sounded like something was going on with the mic, so...
[01:20:20.280 --> 01:20:21.280]  Okay.
[01:20:21.280 --> 01:20:23.960]  I'll try not to blow my nose on the mic.
[01:20:23.960 --> 01:20:24.960]  Okay, that would help.
[01:20:24.960 --> 01:20:25.960]  Yeah, please don't.
[01:20:25.960 --> 01:20:26.960]  That's my mic.
[01:20:26.960 --> 01:20:27.960]  Okay.
[01:20:27.960 --> 01:20:28.960]  Carlos?
[01:20:28.960 --> 01:20:29.960]  Okay.
[01:20:29.960 --> 01:20:30.960]  Sorry, Carlos.
[01:20:30.960 --> 01:20:31.960]  We got...
[01:20:31.960 --> 01:20:32.960]  We did...
[01:20:32.960 --> 01:20:33.960]  That's okay.
[01:20:33.960 --> 01:20:37.560]  Carlos chomps me on a regular basis, so you can check on Chalice.
[01:20:37.560 --> 01:20:44.120]  Randy is upset with me because I send him a check via fax and he's bouncing it.
[01:20:44.120 --> 01:20:46.440]  That's why he's mad at me.
[01:20:46.440 --> 01:20:47.440]  Okay, Randy.
[01:20:47.440 --> 01:20:48.440]  Was that you?
[01:20:48.440 --> 01:20:49.440]  That was me.
[01:20:49.440 --> 01:21:01.480]  I found a great pleading from a complaint from a high-power attorney that really hammers
[01:21:01.480 --> 01:21:02.480]  the bank.
[01:21:02.480 --> 01:21:08.000]  It starts with, my guy did not get any money.
[01:21:08.000 --> 01:21:13.240]  I mean, really, really great pleading complaint.
[01:21:13.240 --> 01:21:14.240]  Can I use it?
[01:21:14.240 --> 01:21:18.040]  Is it against the law to download it and use it?
[01:21:18.040 --> 01:21:19.040]  Absolutely not.
[01:21:19.040 --> 01:21:21.520]  I mean, it's not against the law.
[01:21:21.520 --> 01:21:30.600]  When a pleading is filed in the court, it becomes a part of the public record.
[01:21:30.600 --> 01:21:34.280]  That's where I honed my primary skill.
[01:21:34.280 --> 01:21:40.320]  The thing I am best at is I am a professional plagiarist.
[01:21:40.320 --> 01:21:46.120]  If I find a good pleading in the court, I steal it.
[01:21:46.120 --> 01:21:50.800]  When I first started doing legal research, the way I did the research is I went down
[01:21:50.800 --> 01:21:58.400]  to the clerk of the court and pulled out cases that were similar to mine and looked at what
[01:21:58.400 --> 01:21:59.960]  the high-priced lawyers filed.
[01:21:59.960 --> 01:22:05.160]  I asked the clerk, can you pull me out the biggest cases?
[01:22:05.160 --> 01:22:08.280]  And it took her a while to understand what I was asking for.
[01:22:08.280 --> 01:22:11.640]  Not the most high-profile, the biggest ones.
[01:22:11.640 --> 01:22:17.000]  She came out with one case that took up two file cabinet drawers.
[01:22:17.000 --> 01:22:19.000]  Good Lord.
[01:22:19.000 --> 01:22:26.880]  I went through that thing and holy mackerel, I found stuff I'd never imagined in there.
[01:22:26.880 --> 01:22:35.480]  So plagiarism is an art that all of the really good attorneys have honed.
[01:22:35.480 --> 01:22:38.920]  Absolutely, you can use anybody's pleading.
[01:22:38.920 --> 01:22:43.120]  When they file it in the court, it becomes a part of the public domain.
[01:22:43.120 --> 01:22:44.120]  You own it.
[01:22:44.120 --> 01:22:45.120]  Okay, great, great.
[01:22:45.120 --> 01:22:48.000]  Because I found some real, real great ones in California.
[01:22:48.000 --> 01:22:49.000]  I mean, I...
[01:22:49.000 --> 01:22:51.040]  Okay, wait, wait, wait.
[01:22:51.040 --> 01:22:52.040]  You may...
[01:22:52.040 --> 01:22:53.040]  Wait.
[01:22:53.040 --> 01:22:54.040]  I could be wrong.
[01:22:54.040 --> 01:22:57.480]  You might have to send that to me so I can look it over to be sure.
[01:22:57.480 --> 01:22:59.480]  So you can plagiarize it.
[01:22:59.480 --> 01:23:00.480]  Okay.
[01:23:00.480 --> 01:23:01.480]  Beep.
[01:23:01.480 --> 01:23:02.480]  I'm sure.
[01:23:02.480 --> 01:23:08.080]  Okay, now I have another question for this gentleman real quick, because I want to give
[01:23:08.080 --> 01:23:10.080]  somebody else the opportunity to ask something.
[01:23:10.080 --> 01:23:12.840]  Now, this gentleman, I came in late.
[01:23:12.840 --> 01:23:18.320]  I don't know his name, but I would like him to say more about his product or what he does.
[01:23:18.320 --> 01:23:22.400]  I know he's not advertising or anything, but my question for him is this.
[01:23:22.400 --> 01:23:30.000]  Why would Wells Fargo never answer my letter, and I asked him to prove that there were the
[01:23:30.000 --> 01:23:34.440]  creditors and holders in due course, and to answer only 10 questions, and I would pay
[01:23:34.440 --> 01:23:38.240]  him within 72 hours, they never answered the letter.
[01:23:38.240 --> 01:23:39.240]  Why?
[01:23:39.240 --> 01:23:43.320]  Go ahead, Steve.
[01:23:43.320 --> 01:23:45.320]  Why did they not answer your questions?
[01:23:45.320 --> 01:23:46.320]  Yes.
[01:23:46.320 --> 01:23:51.520]  I told them to prove they were the holders in due course and or the creditors, and to
[01:23:51.520 --> 01:23:57.400]  answer 10 more questions regarding security station, they never answered me straight,
[01:23:57.400 --> 01:24:02.200]  and I told them I had the money within 72 hours, $669,000.
[01:24:02.200 --> 01:24:03.200]  Okay.
[01:24:03.200 --> 01:24:08.840]  I don't know what all the questions were, but with the holder in due course issue, they
[01:24:08.840 --> 01:24:11.960]  were not the holder in due course.
[01:24:11.960 --> 01:24:17.960]  They sold their interest when they sold that instrument into the securities pools.
[01:24:17.960 --> 01:24:21.040]  They could not answer your question.
[01:24:21.040 --> 01:24:23.400]  They could not show that they had standing.
[01:24:23.400 --> 01:24:24.400]  Right.
[01:24:24.400 --> 01:24:27.480]  I have no doubt.
[01:24:27.480 --> 01:24:32.440]  The servicer is not either the real party in interest or the holder in due course.
[01:24:32.440 --> 01:24:36.480]  All they're doing is collecting your payments and dispersing them.
[01:24:36.480 --> 01:24:38.480]  That's it.
[01:24:38.480 --> 01:24:45.920]  Undoubtedly, you asked them a question that pointed so directly at their weakness.
[01:24:45.920 --> 01:24:53.440]  They knew that you knew precisely what dime you were putting them on, and they were not
[01:24:53.440 --> 01:24:56.120]  going to step up on it.
[01:24:56.120 --> 01:25:01.280]  If you ask a question that forces them to admit fraud, they're not going to answer the
[01:25:01.280 --> 01:25:02.280]  question, period.
[01:25:02.280 --> 01:25:09.800]  I have these three letters notarized, and also another letter saying under penultimate
[01:25:09.800 --> 01:25:16.520]  procedure that the notary never received any letters pertaining to my questions, and I'm
[01:25:16.520 --> 01:25:18.840]  going to take them into court to the judge.
[01:25:18.840 --> 01:25:19.840]  Okay.
[01:25:19.840 --> 01:25:22.640]  This goes to Twil V. U.S.
[01:25:22.640 --> 01:25:30.440]  Twil V. U.S. is a real commonly cited case, but most of the time I see it cited, it's
[01:25:30.440 --> 01:25:32.840]  improperly cited.
[01:25:32.840 --> 01:25:41.520]  This is where in an administrative process, someone sends a demand to another party, and
[01:25:41.520 --> 01:25:48.880]  the demand that they answer and say if you don't answer, then it's tantamount to fraud.
[01:25:48.880 --> 01:25:58.080]  What Twil says is if you fail to answer when you have a duty to answer, now if you have
[01:25:58.080 --> 01:26:05.080]  a lender who's trying to collect from you, and you demand that he show his authority
[01:26:05.080 --> 01:26:11.160]  to collect from you, then he has a duty, and I have a lot of these people that just send
[01:26:11.160 --> 01:26:15.560]  something to somebody who hasn't done anything, and demand that they respond.
[01:26:15.560 --> 01:26:19.840]  If you don't respond, you owe me this much money, well that's horse manure, because they
[01:26:19.840 --> 01:26:29.400]  don't have a duty, but if someone comes after you, say a debtor, a creditor, petitions the
[01:26:29.400 --> 01:26:38.840]  debtor for payment, and the debtor requires of the creditor the production of the security
[01:26:38.840 --> 01:26:42.760]  instrument, they have a duty to produce it.
[01:26:42.760 --> 01:26:51.000]  If I come to you and I demand that you do something, then I've opened the door for you
[01:26:51.000 --> 01:26:55.080]  to demand that I show my standing to do that.
[01:26:55.080 --> 01:26:58.840]  When you ask for my standing, I have a duty to respond.
[01:26:58.840 --> 01:27:04.840]  That invokes Twil, where Twil says when you fail to respond, when you have a duty to respond,
[01:27:04.840 --> 01:27:06.520]  that's fraud.
[01:27:06.520 --> 01:27:07.520]  They knew that.
[01:27:07.520 --> 01:27:14.320]  By the nature of your demand, they knew that you knew about Twil, and you were setting
[01:27:14.320 --> 01:27:20.400]  them up to beat the crap out of them with Twil, and the best thing they can do is keep
[01:27:20.400 --> 01:27:21.400]  their mouth shut.
[01:27:21.400 --> 01:27:26.720]  Now I have the evidence, now I want to go to court, and I answered my unlawful detainee,
[01:27:26.720 --> 01:27:31.560]  and I told him the attorney was a debt collector, so they overturned that.
[01:27:31.560 --> 01:27:32.560]  Exactly, exactly.
[01:27:32.560 --> 01:27:37.760]  Now you have their failure to respond as fraud under Twil of the U.S.
[01:27:37.760 --> 01:27:40.400]  Okay, I'll just come in and speak.
[01:27:40.400 --> 01:27:41.400]  Thank you.
[01:27:41.400 --> 01:27:42.400]  Thank you, Carlos.
[01:27:42.400 --> 01:27:43.400]  Thank you.
[01:27:43.400 --> 01:27:44.400]  I appreciate it.
[01:27:44.400 --> 01:27:45.400]  Go on.
[01:27:45.400 --> 01:27:46.400]  I met Carlos in California.
[01:27:46.400 --> 01:27:47.400]  Did you?
[01:27:47.400 --> 01:27:48.400]  Yes, it was.
[01:27:48.400 --> 01:27:49.400]  He was a character.
[01:27:49.400 --> 01:27:50.400]  Good.
[01:27:50.400 --> 01:27:56.400]  I understand that Mr. Craig got hit by lightning, Eddie Craig got hit by lightning.
[01:27:56.400 --> 01:27:58.400]  Well, not me personally.
[01:27:58.400 --> 01:28:04.520]  Well, right, yeah, real close to the house, but it really messed up your game over there,
[01:28:04.520 --> 01:28:06.200]  but welcome back, Eddie.
[01:28:06.200 --> 01:28:07.200]  It's good to hear you.
[01:28:07.200 --> 01:28:08.200]  Thanks.
[01:28:08.200 --> 01:28:09.200]  Glad to be here.
[01:28:09.200 --> 01:28:10.200]  Next topic.
[01:28:10.200 --> 01:28:20.760]  Yeah, callers, we have open phone boards right now, so if you'd like to call in, 512-646-1984,
[01:28:20.760 --> 01:28:27.440]  and if you just want to listen, we appreciate for folks to listen online at ruleoflawradio.com
[01:28:27.440 --> 01:28:30.480]  so we can get our numbers up on Shoutcast.
[01:28:30.480 --> 01:28:36.160]  Even if you are happening to have the pleasure of listening on an AM or FM affiliate of this
[01:28:36.160 --> 01:28:39.960]  network, if you could please log on to the website and pull the stream anyway so that
[01:28:39.960 --> 01:28:46.320]  we can get our stream numbers up on Shoutcast for additional sponsorship purposes.
[01:28:46.320 --> 01:28:51.480]  It would really help the network a lot, even if you can't contribute to the network, just
[01:28:51.480 --> 01:28:56.960]  by logging into the stream, you can help support us so that we can get additional sponsors
[01:28:56.960 --> 01:29:03.240]  so that we can show numbers to our sponsors, and if you don't have those options either,
[01:29:03.240 --> 01:29:11.400]  you can listen at 512-485-9010, otherwise callers, if you'd like to call and talk to
[01:29:11.400 --> 01:29:14.280]  us on the air, 512-646-1984.
[01:29:14.280 --> 01:29:22.740]  Yes, and if you want to support the network, just go to remediesandrealestate.com and click
[01:29:22.740 --> 01:29:32.520]  on donate, and then click on Randy's Beer Fund.
[01:29:32.520 --> 01:29:35.840]  I've got a dollar and ten cents in that puppy.
[01:29:35.840 --> 01:29:37.920]  Alright, you're buying.
[01:29:37.920 --> 01:29:38.920]  I'm cooking.
[01:29:38.920 --> 01:29:41.800]  Okay, folks, we'll be right back on the other side.
[01:29:41.800 --> 01:29:47.240]  This is the Rule of Law, Brandi Kelton, Eddie Craig, Deborah Stevens, and we're with Steve
[01:29:47.240 --> 01:29:48.240]  Skidmore tonight.
[01:29:48.240 --> 01:30:01.440]  We'll be right back.
[01:30:01.440 --> 01:30:06.400]  It is so enlightening to listen to 90.1 FM, but finding things on the Internet isn't so
[01:30:06.400 --> 01:30:10.040]  easy, and neither is finding like-minded people to share it with.
[01:30:10.040 --> 01:30:13.040]  Oh, well, I guess you haven't heard of Brave New Books, then.
[01:30:13.040 --> 01:30:14.040]  Brave New Books?
[01:30:14.040 --> 01:30:18.840]  Yes, Brave New Books has all the books and DVDs you're looking for by authors like Alex
[01:30:18.840 --> 01:30:21.400]  Jones, Ron Paul, and G. Edward Griffin.
[01:30:21.400 --> 01:30:24.800]  They even stock inner food, Berkey products, and Calvin Soaps.
[01:30:24.800 --> 01:30:27.720]  There's no way a place like that exists.
[01:30:27.720 --> 01:30:29.200]  Go check it out for yourself.
[01:30:29.200 --> 01:30:33.560]  It's downtown at 1904 Guadalupe Street, just south of UT.
[01:30:33.560 --> 01:30:36.880]  By UT, there's never anywhere to park down there.
[01:30:36.880 --> 01:30:42.160]  Actually, they now offer a free hour of parking for paying customers at the 500 MLK parking
[01:30:42.160 --> 01:30:44.360]  facility just behind the bookstore.
[01:30:44.360 --> 01:30:48.120]  It does exist, but when are they open?
[01:30:48.120 --> 01:30:52.600]  Monday through Saturday, 11 AM to 9 PM, and 1 to 6 PM on Sundays.
[01:30:52.600 --> 01:31:01.560]  So give them a call at 512-480-2503, or check out their events page at bravenewbookstore.com.
[01:31:01.560 --> 01:31:06.360]  Are you being harassed by debt collectors with phone calls, letters, or even lawsuits?
[01:31:06.360 --> 01:31:10.360]  Stop debt collectors now with the Michael Mears Proven Method.
[01:31:10.360 --> 01:31:14.680]  Michael Mears has won six cases in federal court against debt collectors, and now you
[01:31:14.680 --> 01:31:16.000]  can win too.
[01:31:16.000 --> 01:31:20.520]  You'll get step-by-step instructions in plain English on how to win in court using federal
[01:31:20.520 --> 01:31:22.200]  civil rights statutes.
[01:31:22.200 --> 01:31:25.840]  What to do when contacted by phone, mail, or court summons.
[01:31:25.840 --> 01:31:27.880]  How to answer letters and phone calls.
[01:31:27.880 --> 01:31:30.480]  How to get debt collectors out of your credit report.
[01:31:30.480 --> 01:31:35.120]  How to turn the financial tables on them and make them pay you to go away.
[01:31:35.120 --> 01:31:39.920]  The Michael Mears Proven Method is the solution for how to stop debt collectors.
[01:31:39.920 --> 01:31:42.160]  Personal consultation is available as well.
[01:31:42.160 --> 01:31:48.000]  For more information, please visit ruleoflawradio.com and click on the blue Michael Mears banner,
[01:31:48.000 --> 01:31:50.840]  or email michaelmears at yahoo.com.
[01:31:50.840 --> 01:32:00.360]  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
[01:32:00.360 --> 01:32:01.360]  collectors now.
[01:32:01.360 --> 01:32:10.360]  Yeah, and who you want to chip, who you take me for, free toly, what do you want to chip,
[01:32:10.360 --> 01:32:16.160]  me no free toly, you can't chip me, oh, I'm sorry, don't let them chip you in the morning,
[01:32:16.160 --> 01:32:21.160]  chip you in the evening, put a chip in your body, and then when you go computer reading,
[01:32:21.160 --> 01:32:26.160]  you can't hide me safe from nobody, when me say, chip in your mom, chip in your daddy,
[01:32:26.160 --> 01:32:31.160]  chip in your grandpa and the granny, chip in me, chip in your baby, chip in your family,
[01:32:31.160 --> 01:32:36.160]  chip in your dog and the cat around me, chip in the beef and you still go eat it, chip in
[01:32:36.160 --> 01:32:41.160]  the fish, them all in the sea, chip in the shark and the whale around me, you know, still
[01:32:41.160 --> 01:32:46.160]  mankind gone chip crazy, they're collecting, man, they want to read it, social security,
[01:32:46.160 --> 01:32:50.160]  they've got to tell me, number when they give me, they'll repeat up to see, I'm chip you
[01:32:50.160 --> 01:32:57.160]  in the morning, chip you in the evening, chip you all the dinner time, experiment on mankind,
[01:32:57.160 --> 01:33:02.160]  you know, say them lie, well, when I wanna chip, man, you have your body, freedom or
[01:33:02.160 --> 01:33:07.160]  something, man, you fight for me, you should tell them, them free reading, constitution,
[01:33:07.160 --> 01:33:08.160]  you should tell them.
[01:33:08.160 --> 01:33:09.160]  Okay, folks, we are back.
[01:33:09.160 --> 01:33:12.160]  We got some callers on the board here.
[01:33:12.160 --> 01:33:16.160]  We are going to go to Keith in Texas, first time caller.
[01:33:16.160 --> 01:33:17.160]  Keith, thanks for calling in.
[01:33:17.160 --> 01:33:19.160]  What is on your mind tonight?
[01:33:19.160 --> 01:33:21.160]  Oh, yeah, okay.
[01:33:21.160 --> 01:33:23.160]  A year ago, I went to the school.
[01:33:23.160 --> 01:33:28.160]  I don't know if you've heard of it, it's BSB School of Broadcasting.
[01:33:28.160 --> 01:33:30.160]  Have you heard of it?
[01:33:30.160 --> 01:33:31.160]  No.
[01:33:31.160 --> 01:33:32.160]  I haven't.
[01:33:32.160 --> 01:33:38.160]  Okay, well, it was a school like for radio and television, you know, here in Austin,
[01:33:38.160 --> 01:33:44.160]  and then they went bankrupt, and like when I signed the contract, they said I had like
[01:33:44.160 --> 01:33:53.160]  lifetime job placement and lifetime use to their like equipment and stuff.
[01:33:53.160 --> 01:33:59.160]  And then they went bankrupt, and now I can't find a job like anywhere like in the
[01:33:59.160 --> 01:34:03.160]  surrounding areas of like Texas, like radio or television.
[01:34:03.160 --> 01:34:09.160]  And like Sally Mae, I got along with Sally Mae, and they're telling me that, you know,
[01:34:09.160 --> 01:34:15.160]  I got behind a couple of months, and then I was like, you have to pay, you know,
[01:34:15.160 --> 01:34:20.160]  to get like a forbearance, and you know, you have to pay $50 and stuff like that.
[01:34:20.160 --> 01:34:24.160]  Is there any way like I could get, you know, get out of this or something?
[01:34:24.160 --> 01:34:27.160]  Wait a minute, wait a minute.
[01:34:27.160 --> 01:34:28.160]  Is it Sally Mae?
[01:34:28.160 --> 01:34:30.160]  No, Sally Mae.
[01:34:30.160 --> 01:34:33.160]  There is no such thing.
[01:34:33.160 --> 01:34:37.160]  No, it's Sally Mae for school loans.
[01:34:37.160 --> 01:34:41.160]  Oh, are you saying the name of the broadcasting school?
[01:34:41.160 --> 01:34:44.160]  No, Sally Mae is a school loan.
[01:34:44.160 --> 01:34:48.160]  Yeah, the loan that I took out to go there.
[01:34:48.160 --> 01:34:49.160]  Student loan.
[01:34:49.160 --> 01:34:56.160]  Yeah, CSB School of Broadcasting is the school that I went to.
[01:34:56.160 --> 01:35:04.160]  So they got your Sally Mae loan, and then they bankrupted and took your loan with it.
[01:35:04.160 --> 01:35:12.160]  Yes, sir, and like I can't find a doubt now, and the creditors are calling me and saying...
[01:35:12.160 --> 01:35:17.160]  What I would suggest is you bankrupt on Sally Mae.
[01:35:17.160 --> 01:35:21.160]  Do you even know if it's a career training loan?
[01:35:21.160 --> 01:35:23.160]  That's a good question.
[01:35:23.160 --> 01:35:26.160]  I don't know, Deborah might know better.
[01:35:26.160 --> 01:35:31.160]  Can you bankrupt on a student loan?
[01:35:31.160 --> 01:35:34.160]  No, I don't think so.
[01:35:34.160 --> 01:35:36.160]  It depends on what kind of student loan.
[01:35:36.160 --> 01:35:38.160]  I mean, I've never taken out any student loans.
[01:35:38.160 --> 01:35:40.160]  I worked my way through school.
[01:35:40.160 --> 01:35:46.160]  My parents helped out too, but as far as I know, you can't bankrupt on student loans.
[01:35:46.160 --> 01:35:48.160]  It's a big deal with student loans.
[01:35:48.160 --> 01:35:56.160]  They can garnish your wages for the rest of your life if you go south on the student loan.
[01:35:56.160 --> 01:35:58.160]  They don't mess around.
[01:35:58.160 --> 01:36:02.160]  Even though I can't find a job or get no job placement.
[01:36:02.160 --> 01:36:09.160]  No, in fact, I'll tell you right now, my sister was almost in a very difficult place for that same reason.
[01:36:09.160 --> 01:36:10.160]  She's a doctor.
[01:36:10.160 --> 01:36:18.160]  Thank God she was able to finish school, finish her residency, and get her license, and she's working now as a doctor.
[01:36:18.160 --> 01:36:29.160]  However, there was a time where she was facing having over $100,000 student loan debt hanging over her head and not being able to get a job,
[01:36:29.160 --> 01:36:36.160]  not being able to finish school, and basically, no matter what job she ever would have got the rest of her life,
[01:36:36.160 --> 01:36:41.160]  or even if she didn't get a job, they would levy her bank account, lean any assets,
[01:36:41.160 --> 01:36:46.160]  and garnish any wages she may earn for the rest of her life until they got the 100 grand back.
[01:36:46.160 --> 01:36:49.160]  So, yeah, I do know for sure from that experience.
[01:36:49.160 --> 01:36:52.160]  Now, like I said, it depends on the kind of student loan you get.
[01:36:52.160 --> 01:36:59.160]  I mean, to become a doctor for medical school and for college and stuff like that, they don't mess around.
[01:36:59.160 --> 01:37:02.160]  They will get it out of you one way or the other.
[01:37:02.160 --> 01:37:08.160]  Now, for some kind of a school like what you're talking about, it may be a different story.
[01:37:08.160 --> 01:37:11.160]  We'd have to see what the terms of the loan are.
[01:37:11.160 --> 01:37:19.160]  Well, okay, the creditor, you know, he called me up and said he would work with me.
[01:37:19.160 --> 01:37:28.160]  When he makes like a closed pay, like, you know, it's for like $16,000, and he said he'd go down to $7,000.
[01:37:28.160 --> 01:37:43.160]  Like, well, once he says that legally, right, he's got to give that to me or like it's up to him.
[01:37:43.160 --> 01:37:45.160]  I'm not sure what you're asking.
[01:37:45.160 --> 01:37:52.160]  Are you saying that when he makes a statement that he'll do a certain thing that he is bound to that statement?
[01:37:52.160 --> 01:37:59.160]  Well, yeah, like I heard like if they tell you that, okay, we're going to work with you,
[01:37:59.160 --> 01:38:05.160]  and we're going to cut it in half, and all you have to do is pay $7,000.
[01:38:05.160 --> 01:38:09.160]  Don't believe it.
[01:38:09.160 --> 01:38:13.160]  If it's not in writing, it doesn't exist.
[01:38:13.160 --> 01:38:16.160]  Well, wait a minute, Randy.
[01:38:16.160 --> 01:38:24.160]  They, okay, Keith, did they, did they guarantee job placement?
[01:38:24.160 --> 01:38:26.160]  Yes, sir.
[01:38:26.160 --> 01:38:30.160]  They guaranteed job placement in writing and then went belly up.
[01:38:30.160 --> 01:38:33.160]  So, therefore, they were unable to fulfill their promise.
[01:38:33.160 --> 01:38:36.160]  That was, that was the broadcasting company.
[01:38:36.160 --> 01:38:38.160]  It wasn't the.
[01:38:38.160 --> 01:38:40.160]  It wasn't the educator.
[01:38:40.160 --> 01:38:44.160]  The entity that made the loan.
[01:38:44.160 --> 01:38:48.160]  They're not responsible for what you're.
[01:38:48.160 --> 01:38:49.160]  Okay.
[01:38:49.160 --> 01:38:51.160]  What the company you paid the money to is.
[01:38:51.160 --> 01:38:53.160]  Right. Okay.
[01:38:53.160 --> 01:38:56.160]  So, but don't believe anything they say.
[01:38:56.160 --> 01:38:57.160]  Okay.
[01:38:57.160 --> 01:39:00.160]  If their mouths are moving, they're lying.
[01:39:00.160 --> 01:39:01.160]  Yeah.
[01:39:01.160 --> 01:39:04.160]  Now, that may not be, that may not be the case.
[01:39:04.160 --> 01:39:07.160]  You need to read the terms of the loan contract.
[01:39:07.160 --> 01:39:15.160]  It is prudent that you act as though it is the case that if the mouth is moving the line,
[01:39:15.160 --> 01:39:20.160]  make sure everything they promise you, they promise you in writing.
[01:39:20.160 --> 01:39:22.160]  Keith, do, are they in your credit report?
[01:39:22.160 --> 01:39:24.160]  Do you know?
[01:39:24.160 --> 01:39:25.160]  Yes, ma'am.
[01:39:25.160 --> 01:39:28.160]  You know, I'll tell you who will have better answer for this question,
[01:39:28.160 --> 01:39:30.160]  and that's Michael Maris.
[01:39:30.160 --> 01:39:31.160]  Michael Maris.
[01:39:31.160 --> 01:39:32.160]  Absolutely.
[01:39:32.160 --> 01:39:37.160]  He's going to be our guest tomorrow night, straight up at 8 o'clock.
[01:39:37.160 --> 01:39:41.160]  So why don't you call back in tomorrow night and ask him this question
[01:39:41.160 --> 01:39:44.160]  because he's more familiar with these types of situations.
[01:39:44.160 --> 01:39:45.160]  Okay.
[01:39:45.160 --> 01:39:46.160]  I'll do that.
[01:39:46.160 --> 01:39:47.160]  Thank you very much, ma'am.
[01:39:47.160 --> 01:39:48.160]  Okay.
[01:39:48.160 --> 01:39:49.160]  Thank you, Keith.
[01:39:49.160 --> 01:39:50.160]  Exactly.
[01:39:50.160 --> 01:39:55.160]  Michael Maris is a bulldog when it comes to this kind of credit issue.
[01:39:55.160 --> 01:39:58.160]  He's, I've asked him about student loans before too,
[01:39:58.160 --> 01:40:03.160]  and student loans are very, very tricky.
[01:40:03.160 --> 01:40:06.160]  I mean, these things can loom over you and your kids.
[01:40:06.160 --> 01:40:07.160]  Absolutely.
[01:40:07.160 --> 01:40:11.160]  So Keith, why don't you, Keith, listen, if you're still out there listening,
[01:40:11.160 --> 01:40:16.160]  Keith, read over your loan contract tonight and tomorrow
[01:40:16.160 --> 01:40:22.160]  and have some facts ready when you call in tomorrow night to talk to Mike.
[01:40:22.160 --> 01:40:23.160]  Okay.
[01:40:23.160 --> 01:40:26.160]  We are going to go now to Sam in Texas.
[01:40:26.160 --> 01:40:28.160]  Sam, thanks for calling in.
[01:40:28.160 --> 01:40:29.160]  What's on your mind tonight?
[01:40:29.160 --> 01:40:31.160]  Evening to all.
[01:40:31.160 --> 01:40:37.160]  I'm in the same boat as the previous caller, and I was just calling to see,
[01:40:37.160 --> 01:40:41.160]  it seems like when I went to trade school in Austin,
[01:40:41.160 --> 01:40:46.160]  they did the old bait and switch where they promised a lot of things,
[01:40:46.160 --> 01:40:51.160]  and it seems they didn't come through with those promises.
[01:40:51.160 --> 01:40:57.160]  Is there any way, I know that you can't really go after the loaner
[01:40:57.160 --> 01:41:02.160]  or the student loans, but can you go after the school if they're still in business?
[01:41:02.160 --> 01:41:05.160]  Is the school still in existence?
[01:41:05.160 --> 01:41:06.160]  Yes.
[01:41:06.160 --> 01:41:07.160]  Okay.
[01:41:07.160 --> 01:41:11.160]  It is the school that made the promises, not the person who gave you the loan.
[01:41:11.160 --> 01:41:12.160]  Exactly.
[01:41:12.160 --> 01:41:18.160]  So, yeah, you can go after the school, and lawsuits work.
[01:41:18.160 --> 01:41:24.160]  You know, when you file a lawsuit, if you file it pro se,
[01:41:24.160 --> 01:41:29.160]  it doesn't cost you two, three, 400 bucks an hour.
[01:41:29.160 --> 01:41:32.160]  It does cost those guys.
[01:41:32.160 --> 01:41:34.160]  And, you know, there's a problem with attorneys.
[01:41:34.160 --> 01:41:41.160]  If you hire an attorney, his only purpose is to see how bad he can screw you,
[01:41:41.160 --> 01:41:45.160]  see how much of your money he can get.
[01:41:45.160 --> 01:41:50.160]  So it works for you on the other side,
[01:41:50.160 --> 01:41:53.160]  because the school here, when they get sued,
[01:41:53.160 --> 01:41:57.160]  they've got an attorney on the other side who's trying to figure out
[01:41:57.160 --> 01:42:01.160]  how much money he can get out of his client.
[01:42:01.160 --> 01:42:04.160]  So, you know, if there's a magic bullet out here,
[01:42:04.160 --> 01:42:12.160]  it's not in, oh, the common law or the statutory law doesn't apply
[01:42:12.160 --> 01:42:15.160]  or all this other nonsense crapola.
[01:42:15.160 --> 01:42:19.160]  It's in the reality of how things work.
[01:42:19.160 --> 01:42:25.160]  Attorneys are in the business of being an attorney to make money.
[01:42:25.160 --> 01:42:30.160]  And if they represent a client, they're trying to collect money from their client.
[01:42:30.160 --> 01:42:32.160]  So if you look at the school,
[01:42:32.160 --> 01:42:37.160]  as someone who has to hire an attorney to defend against you,
[01:42:37.160 --> 01:42:42.160]  you have to keep in mind that their attorney is trying to extract
[01:42:42.160 --> 01:42:45.160]  as much money from their client as they can.
[01:42:45.160 --> 01:42:51.160]  So you help their attorney extract money from their client.
[01:42:51.160 --> 01:42:56.160]  And when their client gets tired of paying attorney fees,
[01:42:56.160 --> 01:43:01.160]  they're going to make a deal with you.
[01:43:01.160 --> 01:43:05.160]  You put several issues on the table there, Sam.
[01:43:05.160 --> 01:43:12.160]  Can you isolate the two biggest issues?
[01:43:12.160 --> 01:43:16.160]  Well, as far as them fulfilling their agreement?
[01:43:16.160 --> 01:43:18.160]  Or not fulfilling it, yes.
[01:43:18.160 --> 01:43:21.160]  What part of their agreement did they not fulfill?
[01:43:21.160 --> 01:43:24.160]  Wait a minute.
[01:43:24.160 --> 01:43:28.160]  Let's go back and think in terms of an attorney.
[01:43:28.160 --> 01:43:32.160]  What part of their agreement can you give the appearance
[01:43:32.160 --> 01:43:37.160]  that they did not appear to do?
[01:43:37.160 --> 01:43:40.160]  We'll let you think about that over the breaks.
[01:43:40.160 --> 01:43:42.160]  Yes.
[01:43:42.160 --> 01:43:44.160]  It's not what they did.
[01:43:44.160 --> 01:43:51.160]  It's what you can give the appearance that they did or did not do.
[01:43:51.160 --> 01:43:53.160]  Okay, we're going to have to go to break.
[01:43:53.160 --> 01:43:55.160]  Yes, hang in there, Sam.
[01:43:55.160 --> 01:44:07.160]  And Steve Skidmore will be right back.
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[01:45:01.160 --> 01:45:22.160]  Hello. Oh man, you're in jail. You got busted. Oh man, I'm broke.
[01:45:22.160 --> 01:45:31.160]  Some things in this world I will never understand. Some things I realize fully.
[01:45:31.160 --> 01:45:39.160]  Somebody's gonna police a policeman. Somebody's gonna police a bully.
[01:45:39.160 --> 01:45:48.160]  There's always a room at the top of the hill. I hear things are great fun and it's lonely left too.
[01:45:48.160 --> 01:45:52.160]  They're wishing it was more than I positioned the bill.
[01:45:52.160 --> 01:45:56.160]  They know that if they don't do it, somebody will.
[01:45:56.160 --> 01:46:05.160]  Some things in this world I will never understand. Some things I realize fully.
[01:46:05.160 --> 01:46:13.160]  Somebody's gonna police a policeman. Somebody's gonna police a bully.
[01:46:13.160 --> 01:46:18.160]  I know they will. Yeah, they're gonna put the bill.
[01:46:18.160 --> 01:46:23.160]  Because I see so much injustice in. I know they will.
[01:46:23.160 --> 01:46:27.160]  Never fail to tip back the scale. I know they will.
[01:46:27.160 --> 01:46:32.160]  Never fail to tip back the scale. I know they will.
[01:46:32.160 --> 01:46:37.160]  Okay, we're back, folks. Okay, Sam, go ahead.
[01:46:37.160 --> 01:46:46.160]  I think most of all, their lack of preparation or instruction.
[01:46:46.160 --> 01:46:49.160]  The instructor was rarely there.
[01:46:49.160 --> 01:47:02.160]  So I'd say that that aspect of the deal was pretty much what the deal did, I guess, for them.
[01:47:02.160 --> 01:47:09.160]  That's something you can raise when you pay for the product.
[01:47:09.160 --> 01:47:19.160]  You have a right to a reasonable expectation of value for the product that you pay for.
[01:47:19.160 --> 01:47:24.160]  If they fail to return value, you can sue for that.
[01:47:24.160 --> 01:47:31.160]  But the problem is if they go bankrupt, then you have nobody to sue.
[01:47:31.160 --> 01:47:33.160]  This one's still in business.
[01:47:33.160 --> 01:47:34.160]  Oh, wait, wait, okay.
[01:47:34.160 --> 01:47:37.160]  It was the other guy. Yeah, it was the other guy.
[01:47:37.160 --> 01:47:39.160]  This one's still going.
[01:47:39.160 --> 01:47:41.160]  It's been a long day for me.
[01:47:41.160 --> 01:47:47.160]  If they're still in business, then all you have to do is make the claim.
[01:47:47.160 --> 01:47:52.160]  When you talk to an attorney, attorney thinks in terms of what I can win.
[01:47:52.160 --> 01:47:58.160]  And in looking at these issues, that's not how it works.
[01:47:58.160 --> 01:48:04.160]  It's not about what you can win or not. It's about a claim that you can make.
[01:48:04.160 --> 01:48:19.160]  If you can make a claim and put the other side in a position to where the claim that you make can harm them beyond this focused issue.
[01:48:19.160 --> 01:48:28.160]  For instance, this is a trade school. This is a college or university offering a product.
[01:48:28.160 --> 01:48:33.160]  And you can damage their image over the product.
[01:48:33.160 --> 01:48:43.160]  It doesn't matter if you win or not in the end because the harm you cause them will be greater than the amount you're claiming from them.
[01:48:43.160 --> 01:48:56.160]  And I'm doing mortgage issues, and everything I do is about how much damage can I do to the other side?
[01:48:56.160 --> 01:49:02.160]  I'm not really as concerned whether or not I can win in the end.
[01:49:02.160 --> 01:49:08.160]  I mean, if you're playing baseball or football or something, then that may be a consideration.
[01:49:08.160 --> 01:49:11.160]  But a lawsuit's not that way.
[01:49:11.160 --> 01:49:20.160]  The lawsuit is about money. How much money is it going to cost me in the end?
[01:49:20.160 --> 01:49:23.160]  How much will it cost me to fight this guy to win?
[01:49:23.160 --> 01:49:32.160]  How much will it cost me to make a deal with this guy and just pay him off and go on my way and go back to business?
[01:49:32.160 --> 01:49:37.160]  And when you file a lawsuit, that's how you have to consider it. It's all about the money.
[01:49:37.160 --> 01:49:45.160]  So if you can find allegations against the other side that will hurt them financially,
[01:49:45.160 --> 01:49:52.160]  you can bring them to the table and make a deal because, you know, they're not going to take your suit personal.
[01:49:52.160 --> 01:49:57.160]  It's not like you're mad at your next door neighbor. It's always about the money.
[01:49:57.160 --> 01:50:11.160]  So look at it and say, how can I create a claim against them that will give them the reason to believe that I will create the most harm against them?
[01:50:11.160 --> 01:50:22.160]  Don't care if I can prove it all up or not. If I have enough evidence to legitimately make the claim, that's enough.
[01:50:22.160 --> 01:50:28.160]  This is not a criminal prosecution where you have to prove beyond a reasonable doubt.
[01:50:28.160 --> 01:50:36.160]  And this is not even a case where you have to win in the end. How much money can it cost them?
[01:50:36.160 --> 01:50:41.160]  You don't cost them two, three, four hundred bucks an hour. Their attorneys do.
[01:50:41.160 --> 01:50:51.160]  So what you want to look at is not the standard, often adjudicated issues.
[01:50:51.160 --> 01:51:00.160]  You want to look at arguments that you can make that the other side will have to go do research in order to answer,
[01:51:00.160 --> 01:51:07.160]  because what their attorneys are going to do is they're going to have their paralegals research
[01:51:07.160 --> 01:51:14.160]  and have their paralegals keep track of the time they spent researching and then tell the attorney.
[01:51:14.160 --> 01:51:24.160]  And the attorney is going to bill the client for that time as if the attorney did the research, two, three, four hundred bucks an hour.
[01:51:24.160 --> 01:51:32.160]  So the harder question you can ask, the more it's going to cost the other side.
[01:51:32.160 --> 01:51:41.160]  And when they see their costs beginning to mount beyond what they think is reasonable, they'll come to you and make a deal.
[01:51:41.160 --> 01:51:45.160]  That's how it really works in the civil courts.
[01:51:45.160 --> 01:51:52.160]  Ninety percent of all of the cases filed never go to trial.
[01:51:52.160 --> 01:52:01.160]  It's about jousting on the front end. I've moved my pawn out here and I threaten your bishop.
[01:52:01.160 --> 01:52:04.160]  You move your pawn out and threaten my knight.
[01:52:04.160 --> 01:52:11.160]  And we apply pressure to each other until one of them says this is going to cost me too much money.
[01:52:11.160 --> 01:52:16.160]  Even if I win, I lose. Then they make a deal.
[01:52:16.160 --> 01:52:20.160]  Also, Randy, I don't know if you've got the caller board pulled up, but we have some of the callers on the line.
[01:52:20.160 --> 01:52:22.160]  We only have about six minutes left.
[01:52:22.160 --> 01:52:25.160]  OK. OK. OK. I hope that makes sense to you.
[01:52:25.160 --> 01:52:30.160]  And so look at what claims you can make against the other side.
[01:52:30.160 --> 01:52:38.160]  Whether you feel you can win them all in the end or not is not as important as how much misery can you cause them trying to win
[01:52:38.160 --> 01:52:49.160]  or how much bad press can you bring to them because they're a school and get them to make a deal to cover your loan costs.
[01:52:49.160 --> 01:52:58.160]  OK. And Sam, just like I told the other caller, you can call back in tomorrow night when Mike Mears is on and he'll know more about that as well.
[01:52:58.160 --> 01:53:03.160]  OK. Thank you so much for your time, y'all, and God bless.
[01:53:03.160 --> 01:53:04.160]  OK. Great. Thanks.
[01:53:04.160 --> 01:53:06.160]  OK. We're going to go now to Dennis in Texas.
[01:53:06.160 --> 01:53:09.160]  Dennis, thanks for calling in. What's on your mind tonight?
[01:53:09.160 --> 01:53:13.160]  Thank you very much. Do you mind going to a traffic court situation?
[01:53:13.160 --> 01:53:14.160]  Go ahead.
[01:53:14.160 --> 01:53:16.160]  You'll have to ask Eddie about that.
[01:53:16.160 --> 01:53:17.160]  Eddie, you're up.
[01:53:17.160 --> 01:53:20.160]  Go ahead. We have less than we have just barely five minutes.
[01:53:20.160 --> 01:53:21.160]  So go ahead, please, quickly.
[01:53:21.160 --> 01:53:31.160]  I went into Pflugerville Municipal Court, asked for a copy of evidence of a complaint, a complaining party, ended up going back an hour and a half later.
[01:53:31.160 --> 01:53:33.160]  The judge did meet me in the hallway.
[01:53:33.160 --> 01:53:45.160]  She told me that she wasn't going to get me a complaint until I had pled guilty or not guilty, and then that would show up within a week or two, is what she said.
[01:53:45.160 --> 01:53:53.160]  And she was very, very adamant that if I didn't enter a plea, she said she would issue a warrant.
[01:53:53.160 --> 01:54:03.160]  And I said a warrant is for my appearance, and I am appearing, and I will appear again if necessary, and therefore that would not be valid, blah, blah.
[01:54:03.160 --> 01:54:10.160]  And we went round and round until she walked away from me very mad and told me to come back next week.
[01:54:10.160 --> 01:54:11.160]  Wait a minute. Wait a minute.
[01:54:11.160 --> 01:54:14.160]  She did this outside a formal court setting?
[01:54:14.160 --> 01:54:16.160]  That's what I was wondering about.
[01:54:16.160 --> 01:54:19.160]  She did it in the hallway up the reception area.
[01:54:19.160 --> 01:54:24.160]  File criminal charges against the judge for tampering with a witness.
[01:54:24.160 --> 01:54:26.160]  Oh, okay.
[01:54:26.160 --> 01:54:28.160]  That will get her attention.
[01:54:28.160 --> 01:54:30.160]  And file a judicial conduct complaint.
[01:54:30.160 --> 01:54:37.160]  Okay, file a judicial conduct complaint against the judge for tampering with a witness.
[01:54:37.160 --> 01:54:39.160]  File criminal charges.
[01:54:39.160 --> 01:54:41.160]  You know, I'll get to that in just a second.
[01:54:41.160 --> 01:55:06.160]  File a tort letter with the city claiming that the judge attempted to unduly influence a witness outside a proper proceeding in that the judge had ex parte communications with you in order to intimidate you and get you to waive your rights.
[01:55:06.160 --> 01:55:19.160]  File a, write up a letter to the mayor or if it's a municipality or to the county commissioner's court judge if it's the county.
[01:55:19.160 --> 01:55:27.160]  And then prepare a criminal complaint against the judge for tampering with a witness and take that to the district attorney.
[01:55:27.160 --> 01:55:30.160]  District attorney refused to take it.
[01:55:30.160 --> 01:55:35.160]  Then you take a criminal complaint against the district attorney to the district judge.
[01:55:35.160 --> 01:55:46.160]  And you want to go into the court when the judge is having, find out from his clerk when he's having motion hearings and tell the bailiff, instruct the judge that I have business with the court.
[01:55:46.160 --> 01:55:49.160]  And he'll ask, may I ask the judge nature of the business?
[01:55:49.160 --> 01:55:50.160]  Tell him no, you may not.
[01:55:50.160 --> 01:55:52.160]  I have business with the court and it's none of yours.
[01:55:52.160 --> 01:55:53.160]  You're dismissed.
[01:55:53.160 --> 01:55:56.160]  So that'll really P.O. him.
[01:55:56.160 --> 01:56:02.160]  And he'll run up to the judge and tell him there's some jerk out here that has business with you and he won't tell me what it is.
[01:56:02.160 --> 01:56:05.160]  And that'll get the judge to call you up.
[01:56:05.160 --> 01:56:11.160]  You give the judge criminal complaints against the district attorney and the judge will refuse to take them.
[01:56:11.160 --> 01:56:22.160]  And then you go back to the grand jury, find out from the judge's clerk when the grand jury meets, go down to where they meet when they're meeting, tell the bailiff, I have business with the grand jury.
[01:56:22.160 --> 01:56:25.160]  He'll say, may I tell him the nature of the business?
[01:56:25.160 --> 01:56:30.160]  Yes, give him these and give him complaints against the judge.
[01:56:30.160 --> 01:56:32.160]  Okay, I know you have other calls.
[01:56:32.160 --> 01:56:34.160]  I'm going to call you tomorrow night earlier when I have more time.
[01:56:34.160 --> 01:56:35.160]  Okay, yeah, call earlier.
[01:56:35.160 --> 01:56:37.160]  And I'll walk you through this routine.
[01:56:37.160 --> 01:56:43.160]  You will not believe how much havoc it will cause in their court system.
[01:56:43.160 --> 01:56:48.160]  And they will do anything they can to get you to go away and leave them alone.
[01:56:48.160 --> 01:56:49.160]  Okay, thanks Dennis.
[01:56:49.160 --> 01:56:50.160]  Colin.
[01:56:50.160 --> 01:57:01.160]  Now on top of that, I just finished doing a brief on why the citation is not a valid complaint nor does a written complaint grant the jurisdiction to the court to hear the cause.
[01:57:01.160 --> 01:57:04.160]  They cannot accept the plea based upon the complaint alone.
[01:57:04.160 --> 01:57:09.160]  An information is still required or the court has no jurisdiction.
[01:57:09.160 --> 01:57:11.160]  That's written right into the law.
[01:57:11.160 --> 01:57:14.160]  It's written right into the state constitution.
[01:57:14.160 --> 01:57:15.160]  Indeed.
[01:57:15.160 --> 01:57:22.160]  The only two things that can grant the court any jurisdiction is an indictment or an information.
[01:57:22.160 --> 01:57:23.160]  Nothing else applies.
[01:57:23.160 --> 01:57:24.160]  Nothing.
[01:57:24.160 --> 01:57:25.160]  Good.
[01:57:25.160 --> 01:57:29.160]  And Colin tonight, tomorrow night, we'll examine this in more detail.
[01:57:29.160 --> 01:57:31.160]  Eddie and I, this is what we think.
[01:57:31.160 --> 01:57:34.160]  This is our area of fund.
[01:57:34.160 --> 01:57:36.160]  Okay, we have less than two minutes.
[01:57:36.160 --> 01:57:38.160]  We've got Craig in Ohio.
[01:57:38.160 --> 01:57:40.160]  Craig, very quickly.
[01:57:40.160 --> 01:57:45.160]  I wanted to kind of elaborate on the debt collection process for student loans.
[01:57:45.160 --> 01:57:49.160]  I was going through my book here and this may be a defense.
[01:57:49.160 --> 01:57:51.160]  Here's what it says, real brief.
[01:57:51.160 --> 01:58:04.160]  Borrowers are in default on federally family education loans, FFEL, or FFEL, on direct loans if they fail to make required payments for 270 days for loans,
[01:58:04.160 --> 01:58:12.160]  repayable monthly installments or 330 days for loans, repayable less frequently than monthly.
[01:58:12.160 --> 01:58:16.160]  This nine-month period is relatively long.
[01:58:16.160 --> 01:58:17.160]  Okay.
[01:58:17.160 --> 01:58:18.160]  Thirty seconds.
[01:58:18.160 --> 01:58:20.160]  Yeah, and that has to do with federal loans.
[01:58:20.160 --> 01:58:27.160]  So if this was just a private loan from, you know, a Texas organization, that may not apply.
[01:58:27.160 --> 01:58:32.160]  Craig, why don't you call back in tomorrow night and share that information with us when we have Mike Marison.
[01:58:32.160 --> 01:58:33.160]  Okay.
[01:58:33.160 --> 01:58:34.160]  Okay, great.
[01:58:34.160 --> 01:58:35.160]  Thanks.
[01:58:35.160 --> 01:58:36.160]  Thanks for calling, Craig.
[01:58:36.160 --> 01:58:37.160]  Thanks for calling, everyone.
[01:58:37.160 --> 01:58:38.160]  We are at the end of the show.
[01:58:38.160 --> 01:58:39.160]  Tomorrow night we've got Mike Maris.
[01:58:39.160 --> 01:58:45.160]  Monday night we have attorney Bill Davis talking about red light cameras.
[01:58:45.160 --> 01:58:46.160]  We'll see you guys tomorrow night.
[01:58:46.160 --> 01:58:47.160]  This is the rule of law.
[01:58:47.160 --> 01:58:51.160]  Randy Kelton, Eddie Craig, Deborah Stevens, and Steve Skidmore.
[01:58:51.160 --> 01:58:53.160]  Thanks for letting me come on, folks.
[01:58:53.160 --> 01:58:58.160]  Oh, thanks for joining us.
[01:58:58.160 --> 01:59:03.160]  Thank you.
[01:59:28.160 --> 01:59:33.160]  Thank you.
[01:59:33.160 --> 01:59:38.160]  Thank you.
[01:59:38.160 --> 01:59:43.160]  Thank you.
[01:59:43.160 --> 01:59:48.160]  Thank you.
[01:59:48.160 --> 01:59:59.160]  Thank you.