[00:00.000 --> 00:15.000]  You're listening to the Liberty Beat. Your daily source for Liberty news and activist updates, online at TheLibertyBeat.com.
[00:15.000 --> 00:29.000]  John Bush here with your Liberty Beat for Thursday, August 15th, 2013. Gold opened today at $1,326, silver at $21.82, and Bitcoin is trading at $97.39.
[00:29.000 --> 00:35.000]  Support for The Liberty Beat comes from Brave New Books, Austin's only brick-and-mortar store carrying $10.80.
[00:35.000 --> 00:40.000]  In Austin at 1904 Guadalupe Street or online at BraveNewBookstore.com.
[00:40.000 --> 00:50.000]  And from Cabo Bogs, the first high-fructose corn syrup-free quick-serve restaurant in the country serving Baja California-style burritos and non-GMO corn tortillas and chips.
[00:50.000 --> 00:57.000]  In Austin at 500 East Ben White Boulevard or by phone at 512-432-1111.
[00:57.000 --> 01:06.000]  And now the news. On Wednesday afternoon, Bradley Manning's defense rested after calling a number of witnesses, including Manning's aunt Deborah and sister Casey.
[01:06.000 --> 01:13.000]  Manning himself gave a statement apologizing for hurting the United States and for unintended consequences of his actions.
[01:13.000 --> 01:20.000]  He also told Colonel Lind that he realized after having much self-reflection, he should have worked within the system to achieve change.
[01:20.000 --> 01:28.000]  For most of the afternoon, the defense attempted to portray Manning as idealistic and naive, at one point stating that he was stuck in post-adolescent idealism.
[01:28.000 --> 01:33.000]  The defense also detailed Manning's experience growing up with abusive alcoholic parents.
[01:33.000 --> 01:39.000]  The prosecution spent their time questioning Manning's empathy and painting him as unsympathetic to his fellow soldiers.
[01:39.000 --> 01:42.000]  Manning is currently facing life in military prison.
[01:42.000 --> 01:50.000]  Colonel Lind is expected to rule on final sentencing early next week.
[01:50.000 --> 02:03.000]  Police accountability activists from all around the country are descending on Austin, Texas this week for the upcoming Peaceful Streets Project Police Accountability Summit this Saturday from 10 a.m. to 4 p.m. at the AT&T Executive Conference Center on UT campus.
[02:03.000 --> 02:15.000]  Among those scheduled to speak are Pete Ayer of CopLock.org and Jacob Crawford of WeCopWatch.org who are currently embarking on a police accountability tour that will take them all throughout the U.S. and even to South Africa.
[02:15.000 --> 02:17.000]  Their first stop, Austin, Texas.
[02:17.000 --> 02:21.000]  We caught up with Pete who filled us in on the goal of the police accountability tour.
[02:21.000 --> 02:30.000]  Right now there's existing CopWatch groups in a lot of towns that aren't as much online and there's a lot of CopLock and Peaceful Streets groups springing up all over the place.
[02:30.000 --> 02:36.000]  I think when people connect, when we can focus on our comparative advantages and, you know, we'll look out for each other, we can accomplish a lot.
[02:36.000 --> 02:39.000]  So I think it's very timely.
[02:39.000 --> 02:45.000]  To learn more about their efforts or to support their journey, visit CopLock.org slash tour.
[02:45.000 --> 02:52.000]  Support for the Liberty Beat comes from Carmacazi Productions, specializing in high quality audio recording and video production for the Liberty Movement,
[02:52.000 --> 03:00.000]  online at Carmacazi.tv and from Central Texas Gunworks, CHL courses, self-defense training and firearm sales.
[03:22.000 --> 03:24.000]  What you gonna do?
[03:27.000 --> 03:30.000]  Bad boys, bad boys, what you gonna do?
[03:30.000 --> 03:32.000]  What you gonna do when they come for you?
[03:32.000 --> 03:35.000]  Bad boys, bad boys, what you gonna do?
[03:35.000 --> 03:38.000]  What you gonna do when they come for you?
[03:38.000 --> 03:43.000]  When you were eight and you had bad traits, you'd go to school and learn the golden rule.
[03:43.000 --> 03:46.000]  So why are you acting like a bloody fool?
[03:46.000 --> 03:49.000]  If you get hot, then you must get cool.
[03:49.000 --> 03:52.000]  Bad boys, bad boys, what you gonna do?
[03:52.000 --> 03:54.000]  What you gonna do when they come for you?
[03:54.000 --> 03:56.000]  Okay, the bad boys are back.
[03:56.000 --> 04:04.000]  Randy Kelton, Deborah Stevens, here on this August the 15th, 2013.
[04:04.000 --> 04:09.000]  And starting early, we already have a couple calls on the board.
[04:09.000 --> 04:13.000]  So we're going to start out going right to calls.
[04:13.000 --> 04:15.000]  Lisa in Kansas.
[04:15.000 --> 04:16.000]  Hello, Lisa.
[04:16.000 --> 04:18.000]  Hi, how are you?
[04:18.000 --> 04:19.000]  I am wonderful.
[04:19.000 --> 04:23.000]  I don't care what everybody says.
[04:23.000 --> 04:24.000]  I hear you.
[04:24.000 --> 04:28.000]  You got to feel wonderful else no one else can make you feel wonderful.
[04:28.000 --> 04:36.000]  Yes, I have sometimes whenever I start feeling bad, I take those bad feelings and I give them somebody else.
[04:36.000 --> 04:38.000]  There you go, someone else that accepts them.
[04:38.000 --> 04:46.000]  I went to the district clerk today and told her that I never get headaches.
[04:46.000 --> 04:50.000]  I'm a carrier.
[04:50.000 --> 04:54.000]  And handed her a document that gave her a headache.
[04:54.000 --> 04:57.000]  You knew what you were doing, didn't you, when you went?
[04:57.000 --> 05:00.000]  They just never find me as funny as I do.
[05:00.000 --> 05:05.000]  I did not and she's going to be on watch the next time you come, you know that now.
[05:05.000 --> 05:07.000]  Oh, yes.
[05:07.000 --> 05:10.000]  Okay, what do we have, what do you have for us today?
[05:10.000 --> 05:18.000]  Well, I have a serious case of a fraudulent foreclosure and I just can't seem to get justice from it.
[05:18.000 --> 05:33.000]  And I don't understand how so many things have occurred throughout the process that has brought out the allegations and nothing has been, no justice has been served.
[05:33.000 --> 05:36.000]  Okay, here is the deal.
[05:36.000 --> 05:45.000]  The Supreme Court has said that rights belong to the belligerent litigant.
[05:45.000 --> 05:49.000]  That the rights belong to the belligerent, what did you say again?
[05:49.000 --> 05:50.000]  Litigant.
[05:50.000 --> 05:52.000]  Litigant.
[05:52.000 --> 05:57.000]  If you're going to have them, you got to get in there and fight for them.
[05:57.000 --> 06:02.000]  Well, I think I've been giving them a pretty darn good fight, but they keep delaying and delaying and delaying.
[06:02.000 --> 06:18.000]  And I don't understand how when at the end of the tunnel how they're going to keep going when everything, everything that layers of it has been coming off and is showing all of the corrupt and all the fraudulent, you know.
[06:18.000 --> 06:21.000]  Okay, let me give you some kind of perspective.
[06:21.000 --> 06:34.000]  Things in court and in law are not always the way they appear and they're certainly not the way that the lawyers want to give you the impression that it is.
[06:34.000 --> 06:35.000]  Okay.
[06:35.000 --> 06:36.000]  The lawyers, they.
[06:36.000 --> 06:38.000]  That is a fact.
[06:38.000 --> 06:45.000]  I didn't know that until I was sitting in that seat and I found firsthand because just what you're saying is just what has occurred here.
[06:45.000 --> 06:46.000]  Yes.
[06:46.000 --> 06:51.000]  By what the law is as went according to the law of the Constitution.
[06:51.000 --> 06:52.000]  Okay.
[06:52.000 --> 06:53.000]  There's some other things.
[06:53.000 --> 06:58.000]  There's a few things you need to understand to get all of this in perspective.
[06:58.000 --> 07:07.000]  First thing you need to understand is you will not win your case simply because you have the law and the facts on your side.
[07:07.000 --> 07:08.000]  Okay.
[07:08.000 --> 07:16.000]  And that's where, that's what's feeding me up is the fact that that's all it should be for it.
[07:16.000 --> 07:17.000]  Okay.
[07:17.000 --> 07:18.000]  Let's get over that part.
[07:18.000 --> 07:21.000]  It ain't like it should be and it's.
[07:21.000 --> 07:24.000]  It ain't like it's supposed to be and it's never going to be.
[07:24.000 --> 07:25.000]  And it never has been.
[07:25.000 --> 07:26.000]  You get it done.
[07:26.000 --> 07:27.000]  Okay.
[07:27.000 --> 07:32.000]  It never has been since we've had judges and lawyers.
[07:32.000 --> 07:39.000]  It has been this way from the beginning because this is.
[07:39.000 --> 07:40.000]  Okay.
[07:40.000 --> 07:41.000]  You have to quit.
[07:41.000 --> 07:44.000]  We can't talk at the same time.
[07:44.000 --> 07:45.000]  Okay.
[07:45.000 --> 07:52.000]  If you are to adjudicate your rights, you have to understand how it works.
[07:52.000 --> 07:57.000]  You won't win it because you have the law and the facts on your side.
[07:57.000 --> 08:06.000]  The only way you'll win your case is if you have the politics on your side and we can help you find the politics.
[08:06.000 --> 08:23.000]  But the thing to understand about the trial court is the only real purpose of the trial court is to get your facts on the record, to set the record for appeal.
[08:23.000 --> 08:38.000]  Appeals where the action is and too many people who aren't accustomed to the legal system feel like when they get ruled against in the trial court, they've somehow lost something.
[08:38.000 --> 08:42.000]  Not so.
[08:42.000 --> 09:01.000]  The trial court, it is the primary purpose or duty of the trial judge to determine the facts in accordance with the rules of evidence, then apply the law as it comes to him to the facts in the case.
[09:01.000 --> 09:09.000]  And somebody asked me where I got that the other day and I think I made that up.
[09:09.000 --> 09:13.000]  Well, it's a way of stating the position of the judge.
[09:13.000 --> 09:16.000]  That is really what he's there for.
[09:16.000 --> 09:27.000]  And everything he's doing is about getting the facts of the case entered into the record in accordance with the rules of evidence.
[09:27.000 --> 09:36.000]  And that means not allowing in facts that aren't appropriate, that don't meet the rules of evidence.
[09:36.000 --> 09:40.000]  And then taking the law as it comes to him.
[09:40.000 --> 09:43.000]  Now, he's not allowed to go out and research these issues.
[09:43.000 --> 09:49.000]  You have to bring him the law that applies to the case.
[09:49.000 --> 09:57.000]  You go to the court and you say, Your Honor, here are the facts and here's the law as it applies to those facts.
[09:57.000 --> 10:03.000]  And this is the conclusion you should come to based on these facts of this law.
[10:03.000 --> 10:11.000]  The other side is going to come to the judge and give him their facts and their law and ask him to come to another conclusion.
[10:11.000 --> 10:21.000]  And it is the place of the judge to weigh these two sets of law and find justice in between them.
[10:21.000 --> 10:35.000]  If he fails, it is the duty of the appeals court to maintain the corpus juris, the body of law.
[10:35.000 --> 10:47.000]  When the appeals court rules on an issue, what they will do is they say the legislature passed these laws.
[10:47.000 --> 11:00.000]  But in passing the law, the legislature could not possibly address every possible permutation of facts and circumstances.
[11:00.000 --> 11:12.000]  So we have to come in and look at the individual circumstances and attempt to evaluate the intent of the legislature
[11:12.000 --> 11:26.000]  and then apply the intent of the legislature to the circumstance so that the law will exact the remedy the legislature intended.
[11:26.000 --> 11:29.000]  Now that's the way it's supposed to be.
[11:29.000 --> 11:30.000]  Yes.
[11:30.000 --> 11:32.000]  Not necessarily how it always works.
[11:32.000 --> 11:40.000]  And that's the good thing about the court of appeals and the way they're set up relative to the trial court.
[11:40.000 --> 11:46.000]  The court of appeals, they're concerned about the body of law.
[11:46.000 --> 11:55.000]  When the court of appeals makes a ruling, lawyers can take those rulings as law.
[11:55.000 --> 12:11.000]  So if the court of appeals gives a bogus ruling, all of these shyster lawyers can run in there and grab this bogus ruling and use it to shaft their opponents, sometimes their own clients.
[12:11.000 --> 12:16.000]  So the court of appeals has to be careful.
[12:16.000 --> 12:23.000]  They have to protect the stability of the legal system by being cautious about the kinds of rulings they give.
[12:23.000 --> 12:26.000]  Trial court just doesn't have to be so cautious.
[12:26.000 --> 12:27.000]  No, they don't.
[12:27.000 --> 12:28.000]  I see that.
[12:28.000 --> 12:32.000]  I went to the court of appeals with this case.
[12:32.000 --> 12:45.000]  This gets complex because when you go to the court of appeals, you have to take them a finely honed issue.
[12:45.000 --> 12:56.000]  You have to give them something they can rule on and a big problem with non-professionals is they don't know how to do that.
[12:56.000 --> 12:58.000]  They're not getting it.
[12:58.000 --> 13:10.000]  And even trial judges will tend to give you a ruling and then they will tell you why they gave you that ruling.
[13:10.000 --> 13:18.000]  Often when they rule against you, they will give you points and authorities.
[13:18.000 --> 13:34.000]  And the points and authorities will be the law that they use to come to the, they'll state the facts and then present the law they used to come to the conclusion that they came to.
[13:34.000 --> 13:35.000]  Yes.
[13:35.000 --> 13:40.000]  And if they ruled against you, they will tend to tell you what was missing.
[13:40.000 --> 13:41.000]  And they did.
[13:41.000 --> 13:42.000]  Good.
[13:42.000 --> 13:45.000]  This is what I need so I can rule against you.
[13:45.000 --> 13:53.000]  And in all fairness, they'll do the same thing to the other side because they're trying to find a fair adjudication.
[13:53.000 --> 13:58.000]  Sometimes we're a little harder on judges than I believe we should be.
[13:58.000 --> 14:05.000]  I think they're low down rotten scoundrel, but sometimes we're harder on than we should be.
[14:05.000 --> 14:06.000]  Yes.
[14:06.000 --> 14:09.000]  And I'm not saying that for the benefit of the judges.
[14:09.000 --> 14:10.000]  Right.
[14:10.000 --> 14:17.000]  I'm saying this for the benefit of our perspective and our understanding of how to deal with these things.
[14:17.000 --> 14:18.000]  Yes.
[14:18.000 --> 14:19.000]  Yes.
[14:19.000 --> 14:20.000]  I understand.
[14:20.000 --> 14:30.000]  Okay. That's the basic structure. Now I need to really get to what is the current condition of your mortgage?
[14:30.000 --> 14:36.000]  Well, the current condition of the mortgage is that I don't have a mortgage with them anymore.
[14:36.000 --> 14:38.000]  It was a fraudulent situation from the start.
[14:38.000 --> 14:46.000]  It actually was the mortgage company making mortgage loans, which I did not know when I entered the...
[14:46.000 --> 14:53.000]  Wait, wait, wait. Let's get some perspective here. Have you been foreclosed on?
[14:53.000 --> 14:57.000]  According to, yes, the investor, yes.
[14:57.000 --> 15:03.000]  Okay. Are you still in possession of the property?
[15:03.000 --> 15:08.000]  No, but I never did give it up.
[15:08.000 --> 15:09.000]  Okay.
[15:09.000 --> 15:10.000]  I just took it.
[15:10.000 --> 15:19.000]  Okay. One thing we need to work on is how to do state facts.
[15:19.000 --> 15:25.000]  And this is a difficult thing for a lot of pro se litigants.
[15:25.000 --> 15:31.000]  What you were doing there, I was asking you for facts and you were giving me arguments.
[15:31.000 --> 15:35.000]  Oh. Well, I can give you the facts.
[15:35.000 --> 15:44.000]  It's okay to have the arguments, but in a legal pleading, there's sort of an art to it.
[15:44.000 --> 15:49.000]  You state the facts without exaggeration or equivocation.
[15:49.000 --> 15:53.000]  You just state this is a fact, this is a fact, this is a fact, this is a fact.
[15:53.000 --> 15:58.000]  And then you can go to either points of authorities. I call it a statement of factual accusation.
[15:58.000 --> 16:02.000]  I have a statement of facts and then a statement of factual accusation.
[16:02.000 --> 16:10.000]  I take those same facts and then I put my argument into the facts and show why those facts put together.
[16:10.000 --> 16:20.000]  Now, the reason I say there's an art to it is you set up your facts so that as you state the facts,
[16:20.000 --> 16:28.000]  a reasonable person listening to these stated facts based on the facts that you give him
[16:28.000 --> 16:34.000]  would tend to come to the conclusion that you want him to come to.
[16:34.000 --> 16:40.000]  And then when you do the statement of factual accusation,
[16:40.000 --> 16:45.000]  you will mimic the conclusions he's already drawn from the facts.
[16:45.000 --> 16:47.000]  Hang on. This is Randy Kelton, Deborah Stevens.
[16:47.000 --> 16:59.000]  We will go on radio. We will be right back on the other side.
[17:18.000 --> 17:25.000]  Well, I'll tell you, I think I love you.
[17:25.000 --> 17:30.000]  But I want to know for sure.
[17:30.000 --> 17:35.000]  So come on and nutrify me.
[17:35.000 --> 17:38.000]  I love you.
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[19:01.000 --> 19:11.000]  You are listening to the Logos Radio Network, LogosRadioNetwork.com
[19:31.000 --> 19:47.000]  Okay, we are back.
[19:47.000 --> 19:53.000]  Randy Kelton, Deborah Stevens, Rule of Law Radio and we're talking to Lisa in Kansas.
[19:53.000 --> 19:54.000]  Yes.
[19:54.000 --> 19:58.000]  Okay, Lisa, before I can help you, I need to know what your condition is.
[19:58.000 --> 20:01.000]  Not what you think your condition should be.
[20:01.000 --> 20:10.000]  So as I understand, is Kansas a judicial state or a deed of trust state?
[20:10.000 --> 20:13.000]  It must be a deed of trust because that's up to you.
[20:13.000 --> 20:17.000]  Okay, so they didn't have to go to court to get you out.
[20:17.000 --> 20:22.000]  Okay, is Mears included in the deed of trust?
[20:22.000 --> 20:23.000]  What's what?
[20:23.000 --> 20:24.000]  Included in the deed of trust?
[20:24.000 --> 20:25.000]  I'm sorry.
[20:25.000 --> 20:34.000]  Are there any notices or assignments of mortgage or assignments of deed of trust
[20:34.000 --> 20:38.000]  or appointments of substitute trustee?
[20:38.000 --> 20:41.000]  I think it's an assignment of deed of trust.
[20:41.000 --> 20:49.000]  Okay, did you file any action to stop the foreclosure?
[20:49.000 --> 20:59.000]  I filed pro se to stop an injunction to stop an illegal process and I was denied that.
[20:59.000 --> 21:05.000]  I actually tried to with representation but I could not get representation
[21:05.000 --> 21:07.000]  because of conflict of interest.
[21:07.000 --> 21:12.000]  So I went to court pro se and I wrote to the state banking commissioners
[21:12.000 --> 21:16.000]  and the attorney general who opened up an investigation who found allegations.
[21:16.000 --> 21:21.000]  And so I tried to stop the process until the investigation was complete on those facts.
[21:21.000 --> 21:26.000]  But the judge said that there wasn't enough merits to rule.
[21:26.000 --> 21:31.000]  I think that's how he said to rule to allow that injunction.
[21:31.000 --> 21:39.000]  So he said there were other merits involved in the case but he could not grant them to me.
[21:39.000 --> 21:43.000]  Okay, what do you want to do at this point?
[21:43.000 --> 21:56.000]  At this point I don't know how to address the issue anymore or how to since it's gone this far.
[21:56.000 --> 22:04.000]  Okay, in Texas there is a difference and I'm not sure exactly how it is in Kansas.
[22:04.000 --> 22:09.000]  Normally you would petition for declaratory judgment.
[22:09.000 --> 22:13.000]  In Texas we have a second thing you can do.
[22:13.000 --> 22:15.000]  Actually we have two other things you can do.
[22:15.000 --> 22:23.000]  But if it's after foreclosure then the action would be trespass to try title.
[22:23.000 --> 22:26.000]  That's sort of a term of art.
[22:26.000 --> 22:29.000]  It only applies to this circumstance.
[22:29.000 --> 22:37.000]  I'd have to look at the law in Kansas but almost certainly you would do a petition
[22:37.000 --> 22:45.000]  for declaratory judgment and this goes to a wrongful foreclosure.
[22:45.000 --> 22:51.000]  The way to attack the wrongful foreclosure is to back up from the foreclosure itself
[22:51.000 --> 22:56.000]  and go back to the underlying documentation.
[22:56.000 --> 23:07.000]  If you have MERS in the contract you have some very effective claims that the deed of trust
[23:07.000 --> 23:18.000]  was void from the beginning and therefore the foreclosure based on the privileges
[23:18.000 --> 23:29.000]  granted by the deed of trust was improper because the lender defaulted on the deed of trust
[23:29.000 --> 23:35.000]  and thereby may not exercise the privileges of the deed of trust.
[23:35.000 --> 23:42.000]  It's a fact because actually the person who filed the petition for foreclosure,
[23:42.000 --> 23:50.000]  I wasn't ever in foreclosure, they were working in conjunction and was misrepresenting others
[23:50.000 --> 23:54.000]  about the loans from the actual mortgage company.
[23:54.000 --> 24:00.000]  I had a loan through a mortgage company and he and his friend was an investor
[24:00.000 --> 24:05.000]  and they were lending money.
[24:05.000 --> 24:08.000]  That doesn't make any sense.
[24:08.000 --> 24:11.000]  I don't know what that means.
[24:11.000 --> 24:14.000]  Well, there wasn't a banking institution involved or anything.
[24:14.000 --> 24:19.000]  I didn't know when I went to the mortgage company and applied for the loan to get a loan
[24:19.000 --> 24:22.000]  that he can give loans.
[24:22.000 --> 24:25.000]  I didn't know a mortgage company could give loans.
[24:25.000 --> 24:27.000]  Okay, okay, hold on.
[24:27.000 --> 24:31.000]  You went to a licensed mortgage company.
[24:31.000 --> 24:32.000]  Yes.
[24:32.000 --> 24:42.000]  And in so doing, you exercised due diligence by ensuring that you only dealt with licensed professionals
[24:42.000 --> 24:52.000]  subject to governmental oversight in whom you had a right to an expectation of good faith and fair dealing.
[24:52.000 --> 24:53.000]  Yes.
[24:53.000 --> 25:03.000]  The lender presented himself as the source of funding to secure the warranty deed for the loan.
[25:03.000 --> 25:04.000]  Yes.
[25:04.000 --> 25:08.000]  When in fact, he was no such thing.
[25:08.000 --> 25:17.000]  He was a pretender lender and he loaned his license to a non-licensed lender.
[25:17.000 --> 25:18.000]  Okay.
[25:18.000 --> 25:19.000]  Okay.
[25:19.000 --> 25:29.000]  I understand something just right now because that is one of the things that the state banking commissioners
[25:29.000 --> 25:34.000]  and the attorney general's office turned it over to the state banking commissioner because they were bigger.
[25:34.000 --> 25:40.000]  They said more laws and bigger laws broken like in banking from banking institutions not being involved.
[25:40.000 --> 25:47.000]  And that was one of the things that he was fined on the mortgage lender was fined on the fact that he had licensed
[25:47.000 --> 25:54.000]  the mortgage company, but it was running it under other names or names.
[25:54.000 --> 25:55.000]  Okay.
[25:55.000 --> 25:57.000]  And what he was lending the money from.
[25:57.000 --> 25:58.000]  Okay.
[25:58.000 --> 26:08.000]  Now, you can develop a claim from that, but it's generally not the claim you would expect.
[26:08.000 --> 26:13.000]  The claim you have there is fraud by nondisclosure.
[26:13.000 --> 26:14.000]  Uh-huh.
[26:14.000 --> 26:26.000]  We make this argument because there is evidence that the major banks have been acting as a money laundering vehicle
[26:26.000 --> 26:30.000]  for the Mexican and Colombian drug cartels.
[26:30.000 --> 26:31.000]  Oh.
[26:31.000 --> 26:32.000]  Yeah.
[26:32.000 --> 26:35.000]  HSBC admitted to it.
[26:35.000 --> 26:46.000]  Wachovia was put out of business by the feds because they were caught red-handed laundering some $370 billion
[26:46.000 --> 26:51.000]  for the drug cartels.
[26:51.000 --> 27:01.000]  Now, when you negotiated with the lender for the purpose of the purchase of a property,
[27:01.000 --> 27:11.000]  had you known that you were not dealing with the lender who would secure the funds from the Federal Reserve,
[27:11.000 --> 27:26.000]  but in fact secured funds from some undisclosed source that may or may not violate your feeling of moral center?
[27:26.000 --> 27:27.000]  I never knew anything.
[27:27.000 --> 27:33.000]  The money that he dispersed on the construction loan that I received came from the money.
[27:33.000 --> 27:39.000]  It was a contract loan, so I found my own contractor because I was moving a house on acreage that we had bought.
[27:39.000 --> 27:45.000]  We were moving a house on the found that we were going to borrow for the construction part of it.
[27:45.000 --> 27:49.000]  Well, it was a construction loan, so I found my own contractors.
[27:49.000 --> 27:54.000]  And so when I found them and got them all in place and they started working,
[27:54.000 --> 27:57.000]  he would disperse the money to the contractors when it came due.
[27:57.000 --> 28:00.000]  That's how I wanted going directly to the contractors.
[28:00.000 --> 28:02.000]  Okay. I have a...
[28:02.000 --> 28:03.000]  It came from a bank.
[28:03.000 --> 28:09.000]  The contract, when he wrote checks to these contractors, it came from a bank.
[28:09.000 --> 28:13.000]  It said a bank statement.
[28:13.000 --> 28:16.000]  It said from an accountant, a bank.
[28:16.000 --> 28:17.000]  Okay.
[28:17.000 --> 28:18.000]  A legit bank.
[28:18.000 --> 28:21.000]  Wait. I'm not sure what you're telling me.
[28:21.000 --> 28:22.000]  You...
[28:22.000 --> 28:27.000]  I never ever received, like, under the construction loan, I wasn't ever...
[28:27.000 --> 28:33.000]  I didn't receive, like, a large amount of money to put deposit in our account or anything.
[28:33.000 --> 28:40.000]  It was where we found contractors to complete the foundation and everything for a home to be moved on.
[28:40.000 --> 28:46.000]  And as the contractors completed the work, the mortgage company dispersed the funds.
[28:46.000 --> 28:48.000]  That's how it's normally done.
[28:48.000 --> 28:52.000]  And they did it from the, it would say, a known bank.
[28:52.000 --> 28:57.000]  When he wrote directly, when he wrote the checks, it was directly saying a bank.
[28:57.000 --> 29:02.000]  Okay. That's relatively normal.
[29:02.000 --> 29:07.000]  The bank, the lender will deposit the funds into a bank.
[29:07.000 --> 29:13.000]  And they'll start charging you interest on those funds immediately, even though they haven't been used yet.
[29:13.000 --> 29:21.000]  We have a lot of cases where the banks have never released all the funds and caused the construction project to fail
[29:21.000 --> 29:23.000]  and then foreclosed on the project.
[29:23.000 --> 29:26.000]  And that way swallowed all the equity in the project.
[29:26.000 --> 29:28.000]  Well, the thing that, that's how it failed.
[29:28.000 --> 29:29.000]  Okay. Hold on.
[29:29.000 --> 29:36.000]  The problem we have here is you don't have a claim yet.
[29:36.000 --> 29:39.000]  You have to show that somehow you were harmed.
[29:39.000 --> 29:43.000]  It's not enough that the bank did something you didn't know about.
[29:43.000 --> 29:44.000]  Okay. Wait, wait.
[29:44.000 --> 29:45.000]  We're about to go to break.
[29:45.000 --> 29:48.000]  This is Randy Kelton, Debra Stevens, Rule of Law Radio.
[29:48.000 --> 29:53.000]  Our call-in number, 512-646-1984.
[29:53.000 --> 29:54.000]  Give us a call.
[29:54.000 --> 30:02.000]  We'll be right back.
[30:02.000 --> 30:04.000]  What's the sweetest sound?
[30:04.000 --> 30:05.000]  Your name, of course.
[30:05.000 --> 30:11.000]  So stores that want to become your best buddies may soon be calling out to you if you let them know who you are.
[30:11.000 --> 30:14.000]  I'm Dr. Catherine Albrecht, and I'll tell you more in just a moment.
[30:14.000 --> 30:16.000]  Privacy is under attack.
[30:16.000 --> 30:20.000]  When you give up data about yourself, you'll never get it back again.
[30:20.000 --> 30:25.000]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[30:25.000 --> 30:30.000]  So protect your rights, say no to surveillance, and keep your information to yourself.
[30:30.000 --> 30:32.000]  Privacy, it's worth hanging on to.
[30:32.000 --> 30:36.000]  This public service announcement is brought to you by StartPage.com,
[30:36.000 --> 30:40.000]  the private search engine alternative to Google, Yahoo, and Bing.
[30:40.000 --> 30:43.000]  Start over with StartPage.
[30:43.000 --> 30:48.000]  Disney stores want to call you by name as you stroll past the front windows of their mall shops.
[30:48.000 --> 30:51.000]  Their plan involves secretly reading your credit cards,
[30:51.000 --> 30:55.000]  that is if you're naive enough to carry ones that contain RFID tags.
[30:55.000 --> 31:03.000]  RFID, or radio frequency identification, is a technology that uses tiny computer chips to track items from a distance.
[31:03.000 --> 31:10.000]  I call them spy chips because they share your unique ID numbers using radio waves that can travel right through your purse or wallet.
[31:10.000 --> 31:13.000]  Disney is hoping to dazzle consumers with their technical savvy,
[31:13.000 --> 31:18.000]  but I'm guessing their invasive plans will have consumers demanding spy chip-free credit cards
[31:18.000 --> 31:21.000]  and a lot more respect for their privacy.
[31:21.000 --> 31:30.000]  I'm Dr. Catherine Albrecht. More news and information at CatherineAlbrecht.com.
[31:30.000 --> 31:36.000]  This is Building 7, a 47-story skyscraper that fell on the afternoon of September 11.
[31:36.000 --> 31:38.000]  The government says that fire brought it down.
[31:38.000 --> 31:43.000]  However, 1,500 architects and engineers concluded it was a controlled demolition.
[31:43.000 --> 31:46.000]  Over 6,000 of my fellow service members have given their lives,
[31:46.000 --> 31:49.000]  but thousands of my fellow first responders are dying.
[31:49.000 --> 31:51.000]  I'm not a conspiracy theorist. I'm a structural engineer.
[31:51.000 --> 31:53.000]  I'm a New York City correction officer. I'm an Air Force pilot.
[31:53.000 --> 31:58.000]  I'm a father who lost his son. We're Americans, and we deserve the truth.
[31:58.000 --> 32:01.000]  Go to RememberBuilding7.org today.
[32:01.000 --> 32:05.000]  Do you feel tired when talking about important topics like money and politics?
[32:05.000 --> 32:09.000]  Are you confused by words like the Constitution or the Federal Reserve?
[32:09.000 --> 32:14.000]  If so, you may be diagnosed with the deadliest disease known today, stupidity.
[32:14.000 --> 32:17.000]  Hi, my name is Steve Holt, and like millions of other Americans,
[32:17.000 --> 32:20.000]  I was diagnosed with stupidity at an early age.
[32:20.000 --> 32:26.000]  I had no idea that the number one cause of the disease is found in almost every home in America, the television.
[32:26.000 --> 32:31.000]  Unfortunately, that puts most Americans at risk of catching stupidity, but there is hope.
[32:31.000 --> 32:37.000]  The staff at Brave New Books have helped me and thousands of other foxaholics suffering from sports-zombieism recover.
[32:37.000 --> 32:41.000]  And because of Brave New Books, I now enjoy reading and watching educational documentaries
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[32:44.000 --> 32:51.000]  So if you or anybody you know suffers from stupidity, then you need to call 512-480-2503
[32:51.000 --> 32:55.000]  or visit them at 1904Guadalupe or bravenewbookstore.com.
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[32:59.000 --> 33:01.000]  and an overall increase in mental functioning.
[33:01.000 --> 33:11.000]  Live, free speech radio, logosradionetwork.com.
[33:11.000 --> 33:30.000]  Okay, we are back.
[33:30.000 --> 33:35.000]  Randy Kelton, Debra Stevens, Rule of Law Radio, and we're talking to Lisa in Kansas.
[33:35.000 --> 33:44.000]  Lisa, your issue is going to be way too complex for us to do on this show.
[33:44.000 --> 33:46.000]  I know.
[33:46.000 --> 33:48.000]  Because we're starting from the beginning.
[33:48.000 --> 33:53.000]  If you listen to the show regularly, we go over these issues a number of times.
[33:53.000 --> 33:59.000]  You're going to places that, for the most part, are irrelevant.
[33:59.000 --> 34:04.000]  And it's because you don't know all of the pieces and how they fit together.
[34:04.000 --> 34:10.000]  Once you see how all the pieces fit together, then you'll be able to look at the note
[34:10.000 --> 34:15.000]  and more clearly pull out causes of action.
[34:15.000 --> 34:22.000]  The fact that the lender secured funds from a source you didn't know about
[34:22.000 --> 34:27.000]  is not necessarily something you can make a claim about.
[34:27.000 --> 34:34.000]  If he drew the funds from a source for which you would have that had you known
[34:34.000 --> 34:39.000]  he was using that source, you would not have entered into the contract.
[34:39.000 --> 34:45.000]  Then you'll have a claim for fraud by nondisclosure, but only in that case.
[34:45.000 --> 34:52.000]  Well, that's what they got them for, for misrepresenting and not disclosing.
[34:52.000 --> 34:55.000]  Just not disclosing is not sufficient.
[34:55.000 --> 35:00.000]  Had he disclosed this information, would you have been happy?
[35:00.000 --> 35:03.000]  No, I wouldn't have dealt with that because that would have been fraud.
[35:03.000 --> 35:07.000]  How is it fraud if they...this doesn't make sense.
[35:07.000 --> 35:11.000]  Because it was their own personal money that they put into some kind of account
[35:11.000 --> 35:12.000]  from the bank, I guess.
[35:12.000 --> 35:14.000]  It wasn't a...
[35:14.000 --> 35:17.000]  Actually, a lender can do that.
[35:17.000 --> 35:19.000]  They can?
[35:19.000 --> 35:26.000]  Yeah, a lender cannot...a bank...depends on the kind of lender it is.
[35:26.000 --> 35:31.000]  A bank cannot lend the depositor's funds.
[35:31.000 --> 35:36.000]  They can lend their own funds, but not the depositor's.
[35:36.000 --> 35:41.000]  So they can go to...the bank itself can go to the Federal Reserve
[35:41.000 --> 35:48.000]  and do fractional lending where the bank secures the funds from the Federal Reserve.
[35:48.000 --> 35:50.000]  It goes into their Federal Reserve account.
[35:50.000 --> 35:55.000]  And actually, all it is is a mark on a ledger.
[35:55.000 --> 36:01.000]  And we hear people saying how the Federal Reserve creates the money out of thin air.
[36:01.000 --> 36:03.000]  Yes, they do.
[36:03.000 --> 36:07.000]  They create the money out of thin air by putting a mark on a ledger
[36:07.000 --> 36:12.000]  with the stipulation that when the note is paid off,
[36:12.000 --> 36:16.000]  the bank will return those funds to the Federal Reserve,
[36:16.000 --> 36:19.000]  and the Federal Reserve will mark that off the ledger
[36:19.000 --> 36:24.000]  and send those funds back to the thin air from which they came,
[36:24.000 --> 36:31.000]  thereby increasing the velocity of money without increasing the volume of money.
[36:31.000 --> 36:37.000]  So it's an equitable way of keeping the economy active,
[36:37.000 --> 36:40.000]  and there's nothing wrong with that.
[36:40.000 --> 36:44.000]  There's only something wrong with it is if the funds...like in this case,
[36:44.000 --> 36:52.000]  the cases we talked about, Washington Mutual, HSBC, Wachovia, Wells Fargo,
[36:52.000 --> 37:00.000]  Bank of America are being investigated for that as we speak for laundering illegal funds.
[37:00.000 --> 37:02.000]  That's a different matter.
[37:02.000 --> 37:04.000]  And that's what they did.
[37:04.000 --> 37:08.000]  Where it's the source of the illegal funds?
[37:08.000 --> 37:11.000]  That it was their own personal money that they...
[37:11.000 --> 37:15.000]  That's not illegal to lend your own personal money.
[37:15.000 --> 37:23.000]  Well, they both did and made it look like that it was being lended from the source like a bank.
[37:23.000 --> 37:25.000]  It's still not illegal.
[37:25.000 --> 37:27.000]  There's nothing wrong with that.
[37:27.000 --> 37:30.000]  Well, that's the finding of facts that the State Banking Commission...
[37:30.000 --> 37:31.000]  Okay.
[37:31.000 --> 37:38.000]  You're not going to win any cases unless you raise an issue that creates a cause of action.
[37:38.000 --> 37:42.000]  If it's just something you don't like, the courts could rule against you.
[37:42.000 --> 37:44.000]  There's nothing wrong with that.
[37:44.000 --> 37:46.000]  Well, no.
[37:46.000 --> 37:48.000]  It's not that I didn't like it.
[37:48.000 --> 37:54.000]  It's the fact that when I continuously paid on the contract with the mortgage company
[37:54.000 --> 38:01.000]  and then at the end of it, my house wasn't moving during the contract because of the weather.
[38:01.000 --> 38:05.000]  And then when it was on the foundation, I called and told him that it's there
[38:05.000 --> 38:08.000]  and I was going to refinance it at my bank.
[38:08.000 --> 38:10.000]  Well, he told me, don't pay him anymore.
[38:10.000 --> 38:15.000]  Pay the person because they had put their money out.
[38:15.000 --> 38:19.000]  I wouldn't do it because I was like, I never heard of this before.
[38:19.000 --> 38:21.000]  And that's when the person called me and...
[38:21.000 --> 38:22.000]  Okay. Wait a minute.
[38:22.000 --> 38:23.000]  This is not...
[38:23.000 --> 38:24.000]  Okay.
[38:24.000 --> 38:26.000]  At this point, this is not making any sense.
[38:26.000 --> 38:34.000]  What I would need in order to be able to help you with this is I need a timeline.
[38:34.000 --> 38:37.000]  This is fraud to the biggest extent.
[38:37.000 --> 38:38.000]  Okay.
[38:38.000 --> 38:42.000]  I don't know how to figure that out as fraud, so I don't know how to address it
[38:42.000 --> 38:50.000]  because I don't have a way to place these facts into a cause of action.
[38:50.000 --> 38:58.000]  Fraud per se, fraud in the factum, fraud by nondisclosure.
[38:58.000 --> 38:59.000]  Yes.
[38:59.000 --> 39:02.000]  I don't know how to place these into one of those.
[39:02.000 --> 39:07.000]  The only way I can do that is the first thing I would need is a timeline.
[39:07.000 --> 39:08.000]  Right.
[39:08.000 --> 39:10.000]  The timeline.
[39:10.000 --> 39:13.000]  I need to find the timeline because...
[39:13.000 --> 39:15.000]  No, you need to write a timeline.
[39:15.000 --> 39:16.000]  Right.
[39:16.000 --> 39:18.000]  Oh, I have.
[39:18.000 --> 39:21.000]  I presented them with a timeline of when I entered into the mortgage loan
[39:21.000 --> 39:24.000]  with the mortgage company and when he said that...
[39:24.000 --> 39:26.000]  No, wait a minute.
[39:26.000 --> 39:27.000]  You're not understanding.
[39:27.000 --> 39:29.000]  Oh.
[39:29.000 --> 39:34.000]  I need, in order for me to help you with this and to help this make sense,
[39:34.000 --> 39:41.000]  is I need something to say, I decided to purchase a house on this day.
[39:41.000 --> 39:46.000]  I contacted a real estate agent on this day.
[39:46.000 --> 39:49.000]  He showed me these houses on this.
[39:49.000 --> 39:53.000]  Only facts, no argument, no explanation.
[39:53.000 --> 39:55.000]  This happened, this happened, this happened, this happened, this happened.
[39:55.000 --> 39:56.000]  Right.
[39:56.000 --> 39:59.000]  And it doesn't have to be that complete.
[39:59.000 --> 40:01.000]  But it needs to be a chronology.
[40:01.000 --> 40:05.000]  So when you're talking about something, I can look at the timeline
[40:05.000 --> 40:11.000]  and I kind of understand where it fits into the overall scheme of things.
[40:11.000 --> 40:15.000]  Right now, what you're saying is not making sense.
[40:15.000 --> 40:18.000]  There's pieces missing that...
[40:18.000 --> 40:23.000]  A loan officer at a bank, that's where it started from.
[40:23.000 --> 40:25.000]  And then the loan officer...
[40:25.000 --> 40:27.000]  Wait, I can't do it this way.
[40:27.000 --> 40:32.000]  I can't just have you throw a fact at me and then launch back into this.
[40:32.000 --> 40:34.000]  I'm still lost.
[40:34.000 --> 40:35.000]  I'm lost too.
[40:35.000 --> 40:38.000]  I'm lost too because at the very beginning...
[40:38.000 --> 40:41.000]  I'm trying to tell you how to get un-lost.
[40:41.000 --> 40:42.000]  Okay.
[40:42.000 --> 40:44.000]  The way to...
[40:44.000 --> 40:50.000]  Part of the problem is when someone's trying to adjudicate their own issue,
[40:50.000 --> 40:53.000]  you've got a dog in this hunt.
[40:53.000 --> 40:56.000]  And that makes these things very emotional.
[40:56.000 --> 41:01.000]  I once was prosecuted for filing criminal complaints with the grand jury.
[41:01.000 --> 41:03.000]  It was absolutely bogus.
[41:03.000 --> 41:09.000]  I represented myself and it demonstrated to me that I was absolutely
[41:09.000 --> 41:13.000]  incompetent to represent myself.
[41:13.000 --> 41:14.000]  I am so...
[41:14.000 --> 41:19.000]  And I am really good at this stuff.
[41:19.000 --> 41:20.000]  I know you are.
[41:20.000 --> 41:27.000]  But if it were my house, if somebody couldn't give me some really serious
[41:27.000 --> 41:31.000]  direction, I would be incompetent to represent it because I'm too emotionally
[41:31.000 --> 41:32.000]  involved.
[41:32.000 --> 41:35.000]  I'll go from one emotional issue to the next emotional issue.
[41:35.000 --> 41:40.000]  You're talking to me about how they did this financing?
[41:40.000 --> 41:41.000]  Yes.
[41:41.000 --> 41:44.000]  For the most part, I wouldn't even care about that from looking at it from
[41:44.000 --> 41:45.000]  the outside.
[41:45.000 --> 41:49.000]  I got some really cool stuff to throw at them.
[41:49.000 --> 41:55.000]  That is a lot simpler, a lot more straightforward to blow them right out of
[41:55.000 --> 41:56.000]  the water.
[41:56.000 --> 42:01.000]  And you're talking about an issue that is extremely complex and convoluted.
[42:01.000 --> 42:07.000]  And it's going to be really hard to get a judge to wrap his head around it.
[42:07.000 --> 42:13.000]  So until I can look down and say this is how everything laid out and then you
[42:13.000 --> 42:18.000]  start through your issues and I can see how they fit, I can begin to make
[42:18.000 --> 42:23.000]  sense of them, you know how everything fits together.
[42:23.000 --> 42:30.000]  And it's hard for someone who's involved in something to remember to give the
[42:30.000 --> 42:32.000]  listener referential index.
[42:32.000 --> 42:33.000]  Yes.
[42:33.000 --> 42:36.000]  All of those little pieces that stitch these things together.
[42:36.000 --> 42:40.000]  And I was so blown away and sidelined by all of it.
[42:40.000 --> 42:44.000]  I never would have thought in the million years borrowing the money from the
[42:44.000 --> 42:47.000]  mortgage company was going to get me in a situation such as I would be losing
[42:47.000 --> 42:49.000]  my home.
[42:49.000 --> 42:50.000]  I understand.
[42:50.000 --> 42:52.000]  I would have to distract myself around that.
[42:52.000 --> 42:55.000]  And then they wouldn't disperse the rest of the money and I got sued and I had
[42:55.000 --> 42:57.000]  to pay out the contractors.
[42:57.000 --> 42:58.000]  Okay.
[42:58.000 --> 43:00.000]  I understand these problems.
[43:00.000 --> 43:03.000]  I hear them all the time.
[43:03.000 --> 43:08.000]  We can show you how to get set up to go after them.
[43:08.000 --> 43:13.000]  I need to because I can't get through the judicial system with an attorney
[43:13.000 --> 43:16.000]  because none of them will represent me because of conflict of interest.
[43:16.000 --> 43:17.000]  Okay.
[43:17.000 --> 43:21.000]  There's more to it than that.
[43:21.000 --> 43:25.000]  If you talk to the lawyers the way you've talked to me, they're going to say,
[43:25.000 --> 43:28.000]  whoa, this is going to make me crazy.
[43:28.000 --> 43:32.000]  No, I didn't talk to them like that because I didn't understand it at first.
[43:32.000 --> 43:33.000]  Okay.
[43:33.000 --> 43:34.000]  I went to them.
[43:34.000 --> 43:35.000]  Okay.
[43:35.000 --> 43:36.000]  Hang on.
[43:36.000 --> 43:37.000]  We need to finish this on the other side.
[43:37.000 --> 43:38.000]  We've got a bunch of callers.
[43:38.000 --> 43:40.000]  We have a four-hour show tomorrow night.
[43:40.000 --> 43:42.000]  I have more time for this.
[43:42.000 --> 43:44.000]  But this is something we can help with.
[43:44.000 --> 43:46.000]  We deal with this all the time.
[43:46.000 --> 43:50.000]  But you may have to go about it in the way you don't expect.
[43:50.000 --> 43:51.000]  Hang on.
[43:51.000 --> 43:53.000]  This is Randy Kelton Davis-Stevens, Wheel of Law Radio.
[43:53.000 --> 43:57.000]  Our call in number 512-646-1984.
[43:57.000 --> 44:02.000]  We'll be right back.
[44:02.000 --> 44:05.000]  Mr. President, members of Congress,
[44:05.000 --> 44:09.000]  you've been making a lot of noise about taking our guns away.
[44:09.000 --> 44:11.000]  But you might want to review history.
[44:11.000 --> 44:15.000]  1835, Gonzales, Texas Territory.
[44:15.000 --> 44:20.000]  The authorities wanted to confiscate the big gun that protected that colony.
[44:20.000 --> 44:22.000]  You know what the people said?
[44:22.000 --> 44:24.000]  Come and take it.
[44:24.000 --> 44:29.000]  Because they were willing to fight for their freedom and their guns.
[44:29.000 --> 44:31.000]  So were we.
[44:31.000 --> 44:34.000]  Come and take it if you want it.
[44:34.000 --> 44:37.000]  Come and take it if you think you can.
[44:37.000 --> 44:40.000]  Come and take it, but I want you.
[44:40.000 --> 44:43.000]  You'll have to pry it from my cold dead hands.
[44:43.000 --> 44:46.000]  We want the freedom that God gave us.
[44:46.000 --> 44:49.000]  So you best not cross that line.
[44:49.000 --> 44:54.000]  If you want this gun, you gotta come through us and take it.
[44:54.000 --> 44:57.000]  One shot at a time.
[44:57.000 --> 45:01.000]  Just like Gonzales, we're keeping our guns.
[45:01.000 --> 45:04.000]  Are you the plaintiff or defendant in a lawsuit?
[45:04.000 --> 45:07.000]  Win your case without an attorney with jurisdictionary.
[45:07.000 --> 45:15.000]  The affordable, easy to understand, 4-CD course that will show you how in 24 hours, step by step.
[45:15.000 --> 45:19.000]  If you have a lawyer, know what your lawyer should be doing.
[45:19.000 --> 45:23.000]  If you don't have a lawyer, know what you should do for yourself.
[45:23.000 --> 45:28.000]  Thousands have won with our step-by-step course, and now you can too.
[45:28.000 --> 45:34.000]  Jurisdictionary was created by a licensed attorney with 22 years of case-winning experience.
[45:34.000 --> 45:39.000]  Even if you're not in a lawsuit, you can learn what everyone should understand
[45:39.000 --> 45:43.000]  about the principles and practices that control our American courts.
[45:43.000 --> 45:49.000]  You'll receive our audio classroom, video seminar, tutorials, forms for civil cases,
[45:49.000 --> 45:52.000]  pro se tactics, and much more.
[45:52.000 --> 46:15.000]  Please visit ruleoflawradio.com and click on the banner or call toll-free 866-LAW-EZ.
[46:15.000 --> 46:22.000]  We did not have any problems waiting on a book for one. If you could not wait any
[46:22.000 --> 46:26.000]  bouts of love, would you purposefully die?
[46:26.000 --> 46:32.000]  Would you stand on a soldier or warrior armlock, scaffolding to keep the peace?
[46:32.000 --> 46:37.000]  All is taken into misunderstanding when somebody calls the police.
[46:37.000 --> 47:02.000]  Why do the spots fly?
[47:02.000 --> 47:04.000]  Okay, we are back.
[47:04.000 --> 47:09.000]  Randy Kelton, Deborah Stevens, Rule of Law Radio, and we're talking to Lisa from Kansas.
[47:09.000 --> 47:12.000]  Lisa, I know this is difficult.
[47:12.000 --> 47:13.000]  Very.
[47:13.000 --> 47:17.000]  You're involved in something that is very complex.
[47:17.000 --> 47:18.000]  Very.
[47:18.000 --> 47:23.000]  It's not beyond what you can understand and deal with.
[47:23.000 --> 47:24.000]  Absolutely.
[47:24.000 --> 47:31.000]  I've got the last six years of studying these issues
[47:31.000 --> 47:41.000]  and sorting out from the plethora of possibilities those things we can go into court and win with.
[47:41.000 --> 47:53.000]  Now, they may not be the issues that you feel like are the most important.
[47:53.000 --> 47:58.000]  But listen to this show. On Wednesday night, we do a call-in show.
[47:58.000 --> 48:01.000]  It's a teleconference show.
[48:01.000 --> 48:10.000]  If you will send me an email at Randy at Rule of Law Radio, I'll send you the call-in to that.
[48:10.000 --> 48:14.000]  And there we talk only about foreclosure issues.
[48:14.000 --> 48:15.000]  Yes.
[48:15.000 --> 48:16.000]  And we go over-
[48:16.000 --> 48:19.000]  I'm learning this as I go.
[48:19.000 --> 48:21.000]  Pardon me, I missed that.
[48:21.000 --> 48:27.000]  I said I'm learning all about this as I go and I cannot be educated in one day and get something accomplished.
[48:27.000 --> 48:28.000]  Right.
[48:28.000 --> 48:31.000]  This will take quite a bit more than one day.
[48:31.000 --> 48:39.000]  And if you go to remediesinrealestate.com, don't worry about writing it down.
[48:39.000 --> 48:43.000]  Send me an email and I'll send you a link to the site.
[48:43.000 --> 48:44.000]  Okay.
[48:44.000 --> 48:45.000]  Randy at-
[48:45.000 --> 48:49.000]  Ruleoflawradio.com.
[48:49.000 --> 48:54.000]  Ruleoflawradio.com. Ruleofradio.
[48:54.000 --> 48:55.000]  Okay.
[48:55.000 --> 48:57.000]  I got it. I got it.
[48:57.000 --> 48:58.000]  Okay.
[48:58.000 --> 49:03.000]  You can go to Ruleoflawradio.com or Logos Radio Network, either one, and find me there.
[49:03.000 --> 49:06.000]  Send me an email.
[49:06.000 --> 49:08.000]  I'll send you a link to that site.
[49:08.000 --> 49:12.000]  I have the archives from our teleconferences posted there.
[49:12.000 --> 49:13.000]  You can listen to them.
[49:13.000 --> 49:15.000]  Oh, I definitely will.
[49:15.000 --> 49:23.000]  And to listen to them several times, I tend to, when I do these things, I give out a lot of information.
[49:23.000 --> 49:24.000]  Sure.
[49:24.000 --> 49:30.000]  And sometimes if you're not familiar with the information, you have to go over it two or three times.
[49:30.000 --> 49:39.000]  And when I'm doing this, I assume that if it's not clear to someone, they will do that.
[49:39.000 --> 49:47.000]  I have some pretty sophisticated listeners, and I have to struggle to keep up with them.
[49:47.000 --> 49:57.000]  But I try to put in all of the pieces so that someone who's not so sophisticated can go through it two or three times and these pieces start fitting together.
[49:57.000 --> 50:07.000]  Once the pieces start fitting together, I suspect you're going to find a lot of issues you can go after them for that you never even dreamed of.
[50:07.000 --> 50:18.000]  Well, by my own knowledge that I think I possess, I think some of the things that I can go into, I've learned,
[50:18.000 --> 50:26.000]  is like I can get them for like bringing about an order against me without being a licensed mooner for number one.
[50:26.000 --> 50:33.000]  So this should be an annoyed boy judgment and also to the fact that there were some issues,
[50:33.000 --> 50:37.000]  there were some facts handed down to them from the attorney general's office.
[50:37.000 --> 50:38.000]  They thank you people.
[50:38.000 --> 50:39.000]  Okay.
[50:39.000 --> 50:40.000]  Wait a minute.
[50:40.000 --> 50:41.000]  Wait a minute.
[50:41.000 --> 50:43.000]  I'm going to ask you to stop.
[50:43.000 --> 50:57.000]  The problem with doing that is, you know, I'm an engineer, and as an engineer, I have to be careful when I get a new project to clear out what I think I know about that project.
[50:57.000 --> 50:58.000]  Yes.
[50:58.000 --> 51:04.000]  I need the details and let the important parts of it rise up.
[51:04.000 --> 51:18.000]  If I go into it with notions or ideas, especially with emotion, I will be looking for what I expect to find, and that's all I'll find.
[51:18.000 --> 51:32.000]  So give us two or three listenings and then go back and look at what you think about this note, and I suspect that you will begin to find you've got a lot more stuff.
[51:32.000 --> 51:38.000]  There are things that are much, much easier to adjudicate than what you're talking about.
[51:38.000 --> 51:52.000]  For instance, if you have MERS in your note, in your deed of trust, did the lender sign the deed of trust?
[51:52.000 --> 51:54.000]  No.
[51:54.000 --> 52:13.000]  No, they never do. Well, if you loan me money to buy a house, and you want me to write you a claim, a lien on the house, and I say, sure, I'll do that, but I tell you what, I don't like your agent.
[52:13.000 --> 52:16.000]  So I'm going to fire the agent you got representing you.
[52:16.000 --> 52:22.000]  I'm going to fire your lawyer, and I'm going to hire my brother-in-law.
[52:22.000 --> 52:33.000]  That's ludicrous. In the deed of trust, it purports to appoint MERS as the agent for the lender. What power do you have to do that?
[52:33.000 --> 52:42.000]  Yes. Yes, I found that out because I just found out what MERS really is. It's nothing but an electronic registration system.
[52:42.000 --> 52:55.000]  Well, they're a little bit more than that, but no matter what they are, if the lender didn't sign the document affirming the appointment of MERS, MERS wasn't appointed.
[52:55.000 --> 53:04.000]  That's contract law 101. It's not hard for the judge to wrap his head around.
[53:04.000 --> 53:13.000]  In the deed of trust, the first paragraph of the deed of trust, the first section is all definitions.
[53:13.000 --> 53:20.000]  The first paragraph of the deed of trust is the transfer of property rights.
[53:20.000 --> 53:21.000]  Absolutely.
[53:21.000 --> 53:31.000]  It transfers the legal title to the property to the trustee. Look at the very next paragraph.
[53:31.000 --> 53:42.000]  At the middle of the paragraph, it says, you understand that MERS is not the beneficiary, but only holds legal title.
[53:42.000 --> 53:43.000]  Title.
[53:43.000 --> 53:51.000]  Now, wait a minute. If it's a trust, the trustee must hold legal title, not anybody else.
[53:51.000 --> 54:09.000]  In Texas, I think it's torched in the business and commerce code. It specifically forbids a lender from requiring that the borrower transfer the property to the lender,
[54:09.000 --> 54:26.000]  and that's exactly what that contract purports to do. You're likely to have the same provision in any deed of trust state, and that renders the document void on its face.
[54:26.000 --> 54:37.000]  You can look at the four corners of the document, show it to the court and say, look at this from the four corners of the document. You can determine that this is garbage.
[54:37.000 --> 54:43.000]  We have a lot of stuff like that. So let me move ahead. We've got a bunch of callers.
[54:43.000 --> 54:45.000]  Sounds good. Sure. Thank you.
[54:45.000 --> 54:52.000]  You are welcome. Send me that email. I'll give you the number to that call-in show, and we will bring you up to speed.
[54:52.000 --> 55:00.000]  I need to be. I'm ready to have some remedy returned to me that I likely I deserve.
[55:00.000 --> 55:06.000]  Okay. You need to fight them. The more people we get fighting them, the more people are going to win.
[55:06.000 --> 55:16.000]  Amen. Okay. Thank you. We're going to go to Paul in Wisconsin. Hello, Paul.
[55:16.000 --> 55:23.000]  How are you doing, Randy? I hear you are beating up on some poor, mistreated little lawyers.
[55:23.000 --> 55:29.000]  Well, yeah. Now I want to beat up on the director of the officer lawyer regulation.
[55:29.000 --> 55:33.000]  Oh, man. You ought to be ashamed of yourself.
[55:33.000 --> 55:36.000]  I should be, but I'm not.
[55:36.000 --> 55:42.000]  We talked about this earlier today, and this is wonderful. Paul asked me what to do.
[55:42.000 --> 55:50.000]  I did this, and they didn't do the right thing, and always the answer is the same.
[55:50.000 --> 55:59.000]  Whoever touches the tar baby, you go after them next. Will you explain what happened, Mark? Paul?
[55:59.000 --> 56:07.000]  Well, the initial investigator, he sent a letter back stating she wasn't going to go.
[56:07.000 --> 56:17.000]  Okay. Hold on. Hold on. Mark filed a number of bar grievances against a lawyer,
[56:17.000 --> 56:30.000]  and the lawyer responded and essentially admitted that the lawyer did not give Mark an itemized billing of his charges to Mark,
[56:30.000 --> 56:41.000]  and that's what the bar grievances was about, and that's very specifically in the bar association standards that is required to do that.
[56:41.000 --> 56:49.000]  So Paul accused him of doing something that he's absolutely required to do.
[56:49.000 --> 56:54.000]  He admitted he didn't do it, and what did the bar say?
[56:54.000 --> 57:03.000]  Well, they just said they closed the case, and the lawyer didn't do anything wrong. That simple.
[57:03.000 --> 57:11.000]  So the way I look at that, that's misfeasance in office. Okay.
[57:11.000 --> 57:25.000]  If the bar is in place to enforce these standards, and they refuse to enforce the standards, I read that as misfeasance in office.
[57:25.000 --> 57:36.000]  So what have you put together for the bar? I haven't put anything together yet. I was out combining all day.
[57:36.000 --> 57:44.000]  I haven't had a chance to sit down and put anything together yet, but I'll get a chance here in a second or two. I hope.
[57:44.000 --> 57:51.000]  Okay. So you're putting together a complaint against the bar itself? Yes. I will be, yes.
[57:51.000 --> 57:58.000]  Okay. Hang on. We're about to go to break. This is Randy Kelton, Deborah Stevens, Wheel of Law Radio.
[57:58.000 --> 58:02.000]  This is our top of the hour break, so we'll be two or three minutes.
[58:02.000 --> 58:08.000]  We've got another hour, so I will try to move calls along. We have a number of callers.
[58:08.000 --> 58:18.000]  And if you've called in and dropped off, we'll try to, and you call back in, we'll try to move you up so you won't be stuck at the end of the line.
[58:18.000 --> 58:26.000]  So if you have a question or a comment, give us a call, 512-646-1984.
[58:26.000 --> 58:32.000]  We've got a whole hour left, and we'll try to make it interesting.
[58:32.000 --> 58:50.000]  We'll be right back.
[58:50.000 --> 58:58.000]  The Bible remains the most popular book in the world, yet countless readers are frustrated because they struggle to understand it.
[58:58.000 --> 59:06.000]  Some new translations try to help by simplifying the text, but in the process can compromise the profound meaning of the scripture.
[59:06.000 --> 59:09.000]  Enter the recovery version.
[59:09.000 --> 59:18.000]  First, this new translation is extremely faithful and accurate, but the real story is the more than 9,000 explanatory footnotes.
[59:18.000 --> 59:28.000]  Difficult and profound passages are opened up in a marvelous way, providing an entrance into the riches of the Word beyond which you've ever experienced before.
[59:28.000 --> 59:33.000]  Bibles for America would like to give you a free recovery version simply for the asking.
[59:33.000 --> 59:47.000]  This comprehensive yet compact study Bible is yours just by calling us toll free at 1-888-551-0102 or by ordering online at freestudybible.com.
[59:47.000 --> 59:53.000]  That's freestudybible.com.
[59:53.000 --> 01:00:03.000]  You're listening to the Logos Radio Network at logosradionetwork.com.
[01:00:03.000 --> 01:00:15.000]  You're listening to the Liberty Beat, your daily source for Liberty News and activist updates, online at deeplibertybeats.com.
[01:00:15.000 --> 01:00:20.000]  John Bush here with your Liberty Beat for Thursday, August 15th, 2013.
[01:00:20.000 --> 01:00:29.000]  Gold opened today at $1,326, silver at $21.82, and bitcoin is trading at $97.39.
[01:00:29.000 --> 01:00:40.000]  Support for the Liberty Beat comes from Brave New Books, Austin's only brick and mortar store carrying 10,000 tangerine 2.0, and Austin at 1904 Guadalupe Street or online at bravenewbooksstore.com.
[01:00:40.000 --> 01:00:50.000]  And from Combo Bob's, the first high fructose corn syrup free quick serve restaurant in the country, serving Baja California style burritos and non-GMO corn tortillas and chips.
[01:00:50.000 --> 01:00:57.000]  And Austin at 500 East Ben White Boulevard or by phone at 512-432-1111.
[01:00:57.000 --> 01:00:59.000]  And now the news.
[01:00:59.000 --> 01:01:06.000]  On Wednesday afternoon, Bradley Manning's defense rested after calling a number of witnesses, including Manning's Aunt Deborah and Sister Casey.
[01:01:06.000 --> 01:01:12.000]  Manning himself gave a statement apologizing for hurting the United States and for unintended consequences of his actions.
[01:01:12.000 --> 01:01:20.000]  He also told Colonel Lind that he realized after having much self-reflection, he should have worked within the system to achieve change.
[01:01:20.000 --> 01:01:28.000]  For most of the afternoon, the defense attempted to portray Manning as idealistic and naive, at one point stating that he was stuck in post-adolescent idealism.
[01:01:28.000 --> 01:01:33.000]  The defense also detailed Manning's experience growing up with abusive alcoholic parents.
[01:01:33.000 --> 01:01:39.000]  The prosecution spent their time questioning Manning's empathy and painting him as unsympathetic to his fellow soldiers.
[01:01:39.000 --> 01:01:42.000]  Manning is currently facing life in military prison.
[01:01:42.000 --> 01:01:50.000]  Colonel Lind is expected to rule on final sentencing early next week.
[01:01:50.000 --> 01:02:03.000]  Police accountability activists from all around the country are descending on Austin, Texas this week for the upcoming Peaceful Streets Project Police Accountability Summit this Saturday from 10 a.m. to 4 p.m. at the AT&T Executive Conference Center on UT campus.
[01:02:03.000 --> 01:02:15.000]  Among those scheduled to speak are Pete Ayer of CopLock.org and Jacob Crawford of WeCopWatch.org, who are currently embarking on a police accountability tour that will take them all throughout the U.S. and even to South Africa.
[01:02:15.000 --> 01:02:17.000]  Their first stop, Austin, Texas.
[01:02:17.000 --> 01:02:21.000]  We caught up with Pete, who filled us in on the goal of the police accountability tour.
[01:02:21.000 --> 01:02:30.000]  Right now there's existing CopWatch groups in a lot of towns that aren't as much online, and there's a lot of CopLock and Peaceful Streets groups springing up all over the place.
[01:02:30.000 --> 01:02:36.000]  And I think when people connect, when we can focus on our comparative advantages and, you know, we'll look out for each other, we can accomplish a lot.
[01:02:36.000 --> 01:02:39.000]  So I think it's very timely.
[01:02:39.000 --> 01:02:45.000]  To learn more about their efforts or to support their journey, visit CopLock.org slash tour.
[01:02:45.000 --> 01:03:00.000]  Support for the Liberty Beat comes from Carmacazi Productions, specializing in high-quality audio recording and video production for the Liberty Movement, online at carmacazi.tv, and from Central Texas Gunworks, CHL courses, self-defense training, and firearm sales.
[01:03:45.000 --> 01:03:57.000]  OK, we are back.
[01:03:57.000 --> 01:04:01.000]  Randy Kelton, Deborah Stevens, Rule of Law Radio.
[01:04:01.000 --> 01:04:15.000]  And before I go back to Paula, Wisconsin, during the break, we got a call in from a caller who seemed to feel like I was condescending to our last caller, and I'm concerned about that.
[01:04:15.000 --> 01:04:20.000]  Because frankly, sometimes this is difficult.
[01:04:20.000 --> 01:04:27.000]  I'm talking to someone who's emotionally involved in her situation.
[01:04:27.000 --> 01:04:34.000]  And she's going down a path that's going to lead her to a train wreck.
[01:04:34.000 --> 01:04:47.000]  How do I tell her that's going to lead her to a train wreck in a way that won't make it sound like that I'm being condescending?
[01:04:47.000 --> 01:04:57.000]  And how do I give her to try to help point her down a direction that will lead her to a positive outcome?
[01:04:57.000 --> 01:05:06.000]  We take what we do here very serious, and I certainly take what I do extremely serious.
[01:05:06.000 --> 01:05:10.000]  And I understand her position.
[01:05:10.000 --> 01:05:13.000]  It is extremely difficult.
[01:05:13.000 --> 01:05:21.000]  Your whole life is collapsing in front of you, and you have no idea what the heck is going on.
[01:05:21.000 --> 01:05:30.000]  You're looking for a way out of this, and sometimes we grab onto things that will lead us down a dead end.
[01:05:30.000 --> 01:05:39.000]  Should I be nice and say, oh, yeah, that's cool, and let her run into the train wreck?
[01:05:39.000 --> 01:05:44.000]  Or should I stand my ground?
[01:05:44.000 --> 01:05:52.000]  It's a fine line I walk, and if sometimes I offend someone, it is not my intention.
[01:05:52.000 --> 01:05:58.000]  It's always my intention to give the best result back to my listener.
[01:05:58.000 --> 01:06:02.000]  We are all about remedy.
[01:06:02.000 --> 01:06:09.000]  And I will never intentionally be mean-spirited.
[01:06:09.000 --> 01:06:14.000]  Always I will try to act in the best interest, not of myself.
[01:06:14.000 --> 01:06:23.000]  I do a program to help people with mortgages, and I make money doing that.
[01:06:23.000 --> 01:06:26.000]  That's how I make my living.
[01:06:26.000 --> 01:06:29.000]  But you'll notice I don't talk about that much on the air.
[01:06:29.000 --> 01:06:34.000]  I talk about mortgage issues when someone asks about them.
[01:06:34.000 --> 01:06:37.000]  But this is a show to help people.
[01:06:37.000 --> 01:06:40.000]  This is not an infomercial.
[01:06:40.000 --> 01:06:44.000]  So if someone wants to seek me out for that purpose, I'll be glad to help them.
[01:06:44.000 --> 01:06:54.000]  But everything we do here is about helping people, and we never intentionally will ever mistreat anyone on the air.
[01:06:54.000 --> 01:07:02.000]  So if I offended someone, I apologize, but I'd do it again the next time.
[01:07:02.000 --> 01:07:06.000]  Okay, Paul in Wisconsin.
[01:07:06.000 --> 01:07:09.000]  Yeah, I don't think you're condescending it already.
[01:07:09.000 --> 01:07:11.000]  You do very well.
[01:07:11.000 --> 01:07:14.000]  Okay, the only one I can be condescending to is Paul.
[01:07:14.000 --> 01:07:18.000]  I'd like to make a comment here on this, too.
[01:07:18.000 --> 01:07:23.000]  I don't call spending an hour with a caller condescending.
[01:07:23.000 --> 01:07:33.000]  Okay, we made four other callers wait on hold for an hour while we tried to help someone in need.
[01:07:33.000 --> 01:07:42.000]  And I think that Randy did a very fine job of helping her the best he could in the amount of time that he allotted to the caller,
[01:07:42.000 --> 01:07:48.000]  considering the fact that she is just learning about all of this.
[01:07:48.000 --> 01:07:56.000]  And he was trying to present the material in a manner that she could understand since she is just learning about this.
[01:07:56.000 --> 01:08:00.000]  I mean, so I don't think that that was condescending at all.
[01:08:00.000 --> 01:08:05.000]  That's my opinion, and that's my story, and I'm sticking to it.
[01:08:05.000 --> 01:08:07.000]  Thank you, Deborah.
[01:08:07.000 --> 01:08:14.000]  You guys didn't hear the break where I was being encouraged to move along to the next caller.
[01:08:14.000 --> 01:08:17.000]  So that's what that was referring to.
[01:08:17.000 --> 01:08:19.000]  And yeah, I was encouraged to move to the next caller,
[01:08:19.000 --> 01:08:27.000]  but I was reluctant to until I felt like I could give her an understanding of where we were going
[01:08:27.000 --> 01:08:36.000]  and not leave her feeling like I had just blown her off or disregarded her issues because I certainly was not.
[01:08:36.000 --> 01:08:42.000]  Okay, that's all I'm going to say about that.
[01:08:42.000 --> 01:08:44.000]  Okay, Paul.
[01:08:44.000 --> 01:08:45.000]  Yeah, I'm still here.
[01:08:45.000 --> 01:08:48.000]  What do you plan next?
[01:08:48.000 --> 01:08:53.000]  Well, I plan on going out to the Office of Lawyer Regulation for not doing their job.
[01:08:53.000 --> 01:08:55.000]  I mean, it's Supreme Court rules.
[01:08:55.000 --> 01:09:01.000]  I mean, they're supposed to be upholding the rules, and they're not following the rules.
[01:09:01.000 --> 01:09:06.000]  So how do we make lawyers do their job if people are supposed to govern them aren't doing their job?
[01:09:06.000 --> 01:09:10.000]  Well, that means I have to make sure somebody is doing their job, right?
[01:09:10.000 --> 01:09:14.000]  This is why I do this show.
[01:09:14.000 --> 01:09:22.000]  You know, I've been going after public officials for not doing their jobs for 12, 20 years now,
[01:09:22.000 --> 01:09:27.000]  and I haven't really made a dent in the problem.
[01:09:27.000 --> 01:09:31.000]  But if we can get folks like Paul, you know, I'm in Texas.
[01:09:31.000 --> 01:09:33.000]  He's in Wisconsin.
[01:09:33.000 --> 01:09:42.000]  We have people calling from all over the country that are beginning to find out how much fun it is
[01:09:42.000 --> 01:09:50.000]  to be on the other side of a prosecution and take the crap all of these public officials are handing out to us
[01:09:50.000 --> 01:09:54.000]  and feed it back to them.
[01:09:54.000 --> 01:09:56.000]  This is how we're going to change everything.
[01:09:56.000 --> 01:09:58.000]  So, Paul, I really appreciate you.
[01:09:58.000 --> 01:10:01.000]  This is, you're exactly why I do this show.
[01:10:01.000 --> 01:10:03.000]  That's okay.
[01:10:03.000 --> 01:10:06.000]  I mean, it'd be a lot more fun if I didn't have 100 more pounds to go to all the country
[01:10:06.000 --> 01:10:08.000]  and get them talking to you.
[01:10:08.000 --> 01:10:10.000]  It's not going to be that.
[01:10:10.000 --> 01:10:12.000]  Okay, we are going to move on.
[01:10:12.000 --> 01:10:13.000]  Keep us up to date.
[01:10:13.000 --> 01:10:15.000]  Let us know how this goes.
[01:10:15.000 --> 01:10:17.000]  Randy, I was going to ask you a question.
[01:10:17.000 --> 01:10:19.000]  I keep hearing about this Merz stuff.
[01:10:19.000 --> 01:10:20.000]  Yes.
[01:10:20.000 --> 01:10:22.000]  And I had a question.
[01:10:22.000 --> 01:10:29.000]  If someone takes a loan out at a bank and it's not eMERZ, another bank buys that bank,
[01:10:29.000 --> 01:10:34.000]  but then turns that whole mortgage into a Merz and then sells it off.
[01:10:34.000 --> 01:10:35.000]  Okay, okay.
[01:10:35.000 --> 01:10:37.000]  It's not quite like that.
[01:10:37.000 --> 01:10:48.000]  Merz is a company that keeps a registry of all of these mortgages
[01:10:48.000 --> 01:10:54.000]  and what pools they go into and how they move around.
[01:10:54.000 --> 01:10:59.000]  In order to file these changes in beneficial interest with the clerk,
[01:10:59.000 --> 01:11:05.000]  it would cost them 25, 30 bucks each time there was a change.
[01:11:05.000 --> 01:11:13.000]  And they were planning on pooling these notes together into one big pass-through trust
[01:11:13.000 --> 01:11:21.000]  and then they would sell off tranches or like slices, percentages of that trust to different investors.
[01:11:21.000 --> 01:11:26.000]  And then one entity would have two or three of these trusts going
[01:11:26.000 --> 01:11:33.000]  and one of them is making a profit to the point they're going to have to pay taxes on it.
[01:11:33.000 --> 01:11:35.000]  Another one's losing money.
[01:11:35.000 --> 01:11:39.000]  So they'll cut one off this one trust, move it over to this other one,
[01:11:39.000 --> 01:11:42.000]  and adjust out their income stream.
[01:11:42.000 --> 01:11:49.000]  Well, in doing that, they're changing the beneficial interest of 10,000 notes.
[01:11:49.000 --> 01:11:57.000]  That's going to cost them 25 grand just in filing fees not considering all the time it takes their employees to do it.
[01:11:57.000 --> 01:12:00.000]  So they said, this is prohibitive.
[01:12:00.000 --> 01:12:02.000]  We've got to find a way around this.
[01:12:02.000 --> 01:12:07.000]  So they set up this company, MERS, and they named MERS.
[01:12:07.000 --> 01:12:09.000]  They didn't call them an agent.
[01:12:09.000 --> 01:12:13.000]  They called them a nominee, whatever the heck that is.
[01:12:13.000 --> 01:12:20.000]  And MERS pretends to be the one that all this transfers to,
[01:12:20.000 --> 01:12:28.000]  and they're standing here pretending to hold it while behind them it's sold back and forth.
[01:12:28.000 --> 01:12:31.000]  So they're kind of a straw man holder.
[01:12:31.000 --> 01:12:34.000]  That was the idea.
[01:12:34.000 --> 01:12:38.000]  The problem is it was a really bad idea.
[01:12:38.000 --> 01:12:51.000]  And according to the Landmark v. Kessler case out of Kansas where MERS explained this process to them,
[01:12:51.000 --> 01:13:00.000]  asserting that the requirement that every change in beneficial interest in a note be filed with the clerk of the court
[01:13:00.000 --> 01:13:04.000]  is archaic, cumbersome, and costly.
[01:13:04.000 --> 01:13:07.000]  And we come up with this whiz-bang new idea,
[01:13:07.000 --> 01:13:13.000]  and we set up this company so they could register those changes with this company.
[01:13:13.000 --> 01:13:18.000]  And the Supreme Court of Kansas agreed with them.
[01:13:18.000 --> 01:13:29.000]  That requirement is cumbersome, costly, and archaic, cumbersome, and costly.
[01:13:29.000 --> 01:13:37.000]  However, it is law, and we have no power to change it.
[01:13:37.000 --> 01:13:46.000]  The MERS model was designed to violate law, and there's no way around it.
[01:13:46.000 --> 01:13:57.000]  In Texas, they passed new law so that MERS could be, so they could try to make MERS a viable entity.
[01:13:57.000 --> 01:14:02.000]  But there's just no way to do it.
[01:14:02.000 --> 01:14:09.000]  If we're to have a county registrar's office where you can go to the registrar
[01:14:09.000 --> 01:14:18.000]  and check on real property to determine if there's a claim against that property before you purchase,
[01:14:18.000 --> 01:14:25.000]  then the model of MERS can never be made compatible with that.
[01:14:25.000 --> 01:14:34.000]  The whole point of MERS is to hide those who hold a claim against that property.
[01:14:34.000 --> 01:14:41.000]  Now, what they did was try to take residential mortgages
[01:14:41.000 --> 01:14:46.000]  and turn them into a security they could trade on the securities market.
[01:14:46.000 --> 01:14:50.000]  It looked like a good idea.
[01:14:50.000 --> 01:15:04.000]  But the nature of residential mortgages was such that it simply was not a legally compatible arrangement.
[01:15:04.000 --> 01:15:14.000]  The banks finagled and maneuvered to try to find a way to make it a workable arrangement, but they never got it legal.
[01:15:14.000 --> 01:15:17.000]  That's why they're having so much problems.
[01:15:17.000 --> 01:15:22.000]  It was simply a bad idea when they started.
[01:15:22.000 --> 01:15:27.000]  And MERS, you're getting more and more rulings against them.
[01:15:27.000 --> 01:15:31.000]  MERS has said they don't have any employees.
[01:15:31.000 --> 01:15:37.000]  So how can you be an agent if they don't have anyone to be agents?
[01:15:37.000 --> 01:15:42.000]  They have all these people signing as agents for MERS,
[01:15:42.000 --> 01:15:51.000]  executive vice presidents and executive secretaries, but they don't have any employees.
[01:15:51.000 --> 01:15:56.000]  They don't have any beneficial interest in the note, so they can't be the holder of the note.
[01:15:56.000 --> 01:15:59.000]  There's so many contradictions there.
[01:15:59.000 --> 01:16:08.000]  When I look at the deed of trust, I think the guy who wrote it must have been high on coke or something.
[01:16:08.000 --> 01:16:13.000]  This whole thing is just an incredible mess.
[01:16:13.000 --> 01:16:24.000]  You would think that when you deal in higher finance, we expect them to be more sophisticated.
[01:16:24.000 --> 01:16:28.000]  That is not what I have found.
[01:16:28.000 --> 01:16:31.000]  If anything, they're less sophisticated.
[01:16:31.000 --> 01:16:37.000]  The guy with only 10 bucks is a lot more careful of that 10 bucks than the guy with 10 million.
[01:16:37.000 --> 01:16:41.000]  Okay, this is Randy Kelton, Deborah Stevens, Rule of Law Radio.
[01:16:41.000 --> 01:16:46.000]  Our call-in number, 512-646-1984.
[01:16:46.000 --> 01:16:48.000]  Mark, we really need to move along.
[01:16:48.000 --> 01:16:51.000]  We're running out of time and we've got several more callers.
[01:16:51.000 --> 01:16:55.000]  But keep us up to date on what happens with that.
[01:16:55.000 --> 01:17:00.000]  Give us a call. We'll be right back.
[01:17:00.000 --> 01:17:07.000]  Hey, Tangy Tangerine, see what you've done to me.
[01:17:07.000 --> 01:17:14.000]  I'm losing weight and I'm not half the man I used to be.
[01:17:14.000 --> 01:17:19.000]  Hey, Tangy Tangerine, you make me feel so good.
[01:17:19.000 --> 01:17:22.000]  I don't need so much putt.
[01:17:22.000 --> 01:17:28.000]  Ain't I a sight compared to what I used to be?
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[01:19:23.000 --> 01:19:36.000]  Well, ain't gonna fool me with that same old trick again.
[01:19:36.000 --> 01:19:41.000]  I was blindsided but now I can see your plans.
[01:19:41.000 --> 01:19:46.000]  You put the fear in my pocket, took the money from my hands.
[01:19:46.000 --> 01:19:55.000]  Ain't gonna fool me with that same old trick again.
[01:19:55.000 --> 01:20:00.000]  Ain't gonna fool me.
[01:20:00.000 --> 01:20:02.000]  Okay, we are back.
[01:20:02.000 --> 01:20:05.000]  We're Andy Kelton, Deborah Stevens, Wheel of Law Radio,
[01:20:05.000 --> 01:20:10.000]  and we're going to Jennifer in Texas.
[01:20:10.000 --> 01:20:17.000]  Hello Jennifer, what do you have for us tonight?
[01:20:17.000 --> 01:20:21.000]  Hello Jennifer, are you there?
[01:20:21.000 --> 01:20:25.000]  I think I may have put Jennifer to sleep.
[01:20:25.000 --> 01:20:28.000]  I have that effect sometimes.
[01:20:28.000 --> 01:20:33.000]  Okay, we are going to go to Chris in Pennsylvania.
[01:20:33.000 --> 01:20:37.000]  Hello Chris, did I put you to sleep too?
[01:20:37.000 --> 01:20:41.000]  No, definitely not, I could never go to sleep listening to you.
[01:20:41.000 --> 01:20:44.000]  Okay, what do you have for us tonight?
[01:20:44.000 --> 01:20:55.000]  Well, I was interested in knowing, I talked with Frank the other day
[01:20:55.000 --> 01:21:00.000]  and he suggested that I call and ask you about securitization
[01:21:00.000 --> 01:21:06.000]  and when it might be a relative thing to get a securitization audit.
[01:21:06.000 --> 01:21:12.000]  Okay, good question.
[01:21:12.000 --> 01:21:16.000]  The first thing I do when I look at a mortgage issue,
[01:21:16.000 --> 01:21:22.000]  I want to see all the documentation that's been filed,
[01:21:22.000 --> 01:21:27.000]  in your case in Pennsylvania, with the prothonotary.
[01:21:27.000 --> 01:21:28.000]  For those who don't know,
[01:21:28.000 --> 01:21:33.000]  in Pennsylvania the county clerk is called a prothonotary.
[01:21:33.000 --> 01:21:38.000]  I always like that, really cool name, but I want to see those documents
[01:21:38.000 --> 01:21:48.000]  because in all of the states we have a registrar, a registrar of deeds
[01:21:48.000 --> 01:21:53.000]  and that's a place any person who is considering purchasing property
[01:21:53.000 --> 01:22:02.000]  can go to and check to see if there is anyone who has a claim against the property
[01:22:02.000 --> 01:22:08.000]  because in order for your claim to be enforceable,
[01:22:08.000 --> 01:22:13.000]  it must be filed in that record.
[01:22:13.000 --> 01:22:21.000]  When I go to the registrar's office and look at the documents filed there,
[01:22:21.000 --> 01:22:27.000]  if I'm considering creating a claim against this property,
[01:22:27.000 --> 01:22:31.000]  for instance I have a friend here that I sold a business to
[01:22:31.000 --> 01:22:35.000]  and he wanted to put up his house as collateral.
[01:22:35.000 --> 01:22:39.000]  So I went down and looked in the county registrar's office
[01:22:39.000 --> 01:22:42.000]  and I found no claim against the property.
[01:22:42.000 --> 01:22:45.000]  Now this was his property, he was married,
[01:22:45.000 --> 01:22:47.000]  but he owned the property before he got married,
[01:22:47.000 --> 01:22:51.000]  so it wasn't part of community property.
[01:22:51.000 --> 01:22:57.000]  So I went to the clerk and asked the clerk to run a check on this property.
[01:22:57.000 --> 01:23:02.000]  These days and times with all of the filings being electronic,
[01:23:02.000 --> 01:23:08.000]  we have no duty to be technically savvy.
[01:23:08.000 --> 01:23:13.000]  So if they want to put it in electronic format, they can find it for me.
[01:23:13.000 --> 01:23:17.000]  So I asked the clerk to do a search and give me a printout of the search
[01:23:17.000 --> 01:23:22.000]  and I've got that printout and there are no claims against the property.
[01:23:22.000 --> 01:23:27.000]  I have a right to trust what I see there.
[01:23:27.000 --> 01:23:35.000]  If anybody has a claim and they haven't filed it there, too bad.
[01:23:35.000 --> 01:23:42.000]  When I file my claim and their claim is not filed in front of it, mine stands first.
[01:23:42.000 --> 01:23:47.000]  So this is the way all of the states are set up.
[01:23:47.000 --> 01:23:51.000]  So if that's the first thing I want to see, who has a claim in there?
[01:23:51.000 --> 01:23:59.000]  Now, when you go look at your record, if I see the lender on the mortgage
[01:23:59.000 --> 01:24:06.000]  as the same entity doing the foreclosure,
[01:24:06.000 --> 01:24:14.000]  there's not a lot of indication that the note has been sold or bifurcated
[01:24:14.000 --> 01:24:27.000]  unless the lender has notices of a servicer who's different than the original lender.
[01:24:27.000 --> 01:24:33.000]  Now, that's an indication that something has been transferred.
[01:24:33.000 --> 01:24:40.000]  And I go look in the record and I don't see anything transferring the property to this individual.
[01:24:40.000 --> 01:24:43.000]  Now I want a securities audit.
[01:24:43.000 --> 01:24:46.000]  But I only go for that if I need it.
[01:24:46.000 --> 01:24:51.000]  Generally, when I go through these, I find lots of stuff you can claim,
[01:24:51.000 --> 01:24:54.000]  things that are a lot easier than securities.
[01:24:54.000 --> 01:24:57.000]  Do you have MERS in the contract?
[01:24:57.000 --> 01:25:00.000]  Yes, it's from the original get-go.
[01:25:00.000 --> 01:25:03.000]  I found it interesting because when I turned on your program tonight,
[01:25:03.000 --> 01:25:08.000]  you were talking about how Wachovia was laundering money for the drug cartels.
[01:25:08.000 --> 01:25:12.000]  Well, Wachovia was our original lender.
[01:25:12.000 --> 01:25:14.000]  Oh, wonderful.
[01:25:14.000 --> 01:25:16.000]  With MERS on it.
[01:25:16.000 --> 01:25:17.000]  Okay.
[01:25:17.000 --> 01:25:20.000]  This is how I make that argument.
[01:25:20.000 --> 01:25:26.000]  You entered into a contract with a lender.
[01:25:26.000 --> 01:25:28.000]  Go ahead.
[01:25:28.000 --> 01:25:29.000]  Uh-huh.
[01:25:29.000 --> 01:25:30.000]  Okay.
[01:25:30.000 --> 01:25:33.000]  You entered into a contract with a lender.
[01:25:33.000 --> 01:25:37.000]  You were under the impression that this lender was a licensed lender
[01:25:37.000 --> 01:25:40.000]  and this particular one was a large bank.
[01:25:40.000 --> 01:25:43.000]  So the implication was is that the lender would go to the Federal Reserve,
[01:25:43.000 --> 01:25:46.000]  pull this money from the Federal Reserve, and then when you paid it in,
[01:25:46.000 --> 01:25:49.000]  they'd pay it back to the Federal Reserve.
[01:25:49.000 --> 01:25:54.000]  But in fact, the loan was actually table-funded.
[01:25:54.000 --> 01:25:58.000]  And the lender was not Wachovia.
[01:25:58.000 --> 01:26:05.000]  But in fact, the source of the funds was a special purpose vehicle.
[01:26:05.000 --> 01:26:11.000]  Now, the idea of the special purpose vehicles that's been proposed is
[01:26:11.000 --> 01:26:17.000]  this group of guys get together and they go to Bank of America, Wells Fargo,
[01:26:17.000 --> 01:26:20.000]  one of the major banks, and they get this large loan.
[01:26:20.000 --> 01:26:22.000]  But if they only get it for six months,
[01:26:22.000 --> 01:26:28.000]  then they use this loan to purchase all of these residential mortgages.
[01:26:28.000 --> 01:26:32.000]  They take these mortgages and they group them together into pools,
[01:26:32.000 --> 01:26:37.000]  and then they sell the beneficial interest for those mortgages as a security.
[01:26:37.000 --> 01:26:43.000]  And then when they get paid for that, they take that money and pay the loan back.
[01:26:43.000 --> 01:26:45.000]  Well, that was the idea.
[01:26:45.000 --> 01:26:49.000]  And if that's what was happening, that'd be perfectly fine and legal.
[01:26:49.000 --> 01:26:51.000]  But that wasn't what was happening.
[01:26:51.000 --> 01:26:54.000]  They were getting the money from the drug cartels.
[01:26:54.000 --> 01:26:59.000]  And the drug cartels were slipping the money into the economy
[01:26:59.000 --> 01:27:05.000]  under the impression that this was money drawn from the Federal Reserve accounts
[01:27:05.000 --> 01:27:11.000]  of the lender when no such thing happened.
[01:27:11.000 --> 01:27:16.000]  Now, when you were negotiating with Wachovia for a loan,
[01:27:16.000 --> 01:27:21.000]  had they told you that we're going to get money from the Columbia,
[01:27:21.000 --> 01:27:25.000]  the Mexican drug cartels to purchase the warranty deed for your house with,
[01:27:25.000 --> 01:27:30.000]  and when you pay the money back, you're going to help us launder those funds?
[01:27:30.000 --> 01:27:33.000]  Would you have entered into the contract?
[01:27:33.000 --> 01:27:35.000]  Well, definitely not.
[01:27:35.000 --> 01:27:37.000]  So that's brought by nondisclosure.
[01:27:37.000 --> 01:27:44.000]  If someone gives you partial disclosure, but if I sell you something,
[01:27:44.000 --> 01:27:47.000]  say I've got a bunch of peaches sitting here on the table,
[01:27:47.000 --> 01:27:51.000]  and you come by and you say how much, and I tell you and you buy it,
[01:27:51.000 --> 01:27:53.000]  and you find a worm in it.
[01:27:53.000 --> 01:27:55.000]  Well, sorry, Bubba.
[01:27:55.000 --> 01:27:59.000]  I didn't have a duty to tell you there wasn't a worm in it.
[01:27:59.000 --> 01:28:06.000]  Now, had I told you these are good peaches, now I've given disclosure.
[01:28:06.000 --> 01:28:13.000]  Once I give partial disclosure, I have a duty to give full disclosure.
[01:28:13.000 --> 01:28:20.000]  So the lender gave disclosure that they were a lender,
[01:28:20.000 --> 01:28:28.000]  and that created the false impression that they were the lender.
[01:28:28.000 --> 01:28:33.000]  When they gave you disclosure of their licensed status,
[01:28:33.000 --> 01:28:36.000]  that invoked a duty to give you full disclosure.
[01:28:36.000 --> 01:28:40.000]  Now, if somebody gives you partial disclosure,
[01:28:40.000 --> 01:28:51.000]  but fails to give you disclosure of facts that you do not have equal access to,
[01:28:51.000 --> 01:28:55.000]  so you have no way of discovering those facts,
[01:28:55.000 --> 01:29:02.000]  and you make a decision based on what was told to you,
[01:29:02.000 --> 01:29:06.000]  you believed what was told to you, made a decision based on that,
[01:29:06.000 --> 01:29:11.000]  had you had these undisclosed facts, you would have made a different decision
[01:29:11.000 --> 01:29:14.000]  than the one you made.
[01:29:14.000 --> 01:29:17.000]  Those are the elements of fraud by non-disclosure,
[01:29:17.000 --> 01:29:19.000]  and you were harmed thereby.
[01:29:19.000 --> 01:29:25.000]  You were harmed thereby by being induced through fraud
[01:29:25.000 --> 01:29:32.000]  to enter into a contract that you would find morally abhorrent.
[01:29:32.000 --> 01:29:35.000]  So that's fraud by non-disclosure.
[01:29:35.000 --> 01:29:37.000]  That's the first one.
[01:29:37.000 --> 01:29:38.000]  We're about to go to break.
[01:29:38.000 --> 01:29:40.000]  We've got a couple more of those.
[01:29:40.000 --> 01:29:43.000]  I'll try to move kind of quickly.
[01:29:43.000 --> 01:29:48.000]  We do have a couple more callers, and time is getting short tonight.
[01:29:48.000 --> 01:29:50.000]  It really goes faster when you're having fun.
[01:29:50.000 --> 01:29:53.000]  This is Randy Kelton, Debra Stevens, Rule of Law Radio,
[01:29:53.000 --> 01:29:57.000]  our call-in number, 512-646-1984.
[01:29:57.000 --> 01:30:01.000]  We'll be right back.
[01:30:01.000 --> 01:30:04.000]  Email is a convenient way to send and receive information,
[01:30:04.000 --> 01:30:07.000]  but it can also let advertisers snoop on you.
[01:30:07.000 --> 01:30:11.000]  Invisible web bugs and email messages could be monitoring your every click.
[01:30:11.000 --> 01:30:15.000]  I'm Dr. Catherine Albrecht, and I'll be back with more in just a moment.
[01:30:15.000 --> 01:30:18.000]  Your search engine is watching you, recording all your searches
[01:30:18.000 --> 01:30:22.000]  and creating a massive database of your personal information.
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[01:30:45.000 --> 01:30:48.000]  Web bugs, web beacons, pixel tags, and clear GIFs.
[01:30:48.000 --> 01:30:51.000]  They have many names, but these tiny invisible image files
[01:30:51.000 --> 01:30:55.000]  usually have one purpose only, to track your online behavior.
[01:30:55.000 --> 01:30:57.000]  Web bugs are commonly used on web pages,
[01:30:57.000 --> 01:31:00.000]  but they can also be embedded in email messages.
[01:31:00.000 --> 01:31:04.000]  To report exactly when you open a message, the IP address of the computer
[01:31:04.000 --> 01:31:08.000]  that read the message, and whether you click on links contained in the message.
[01:31:08.000 --> 01:31:10.000]  The best way to fight a web bug invasion
[01:31:10.000 --> 01:31:14.000]  is to use a privacy-friendly email service that filters them out.
[01:31:14.000 --> 01:31:17.000]  You can also set your email client to block email message images
[01:31:17.000 --> 01:31:20.000]  or opt for a text-only email.
[01:31:20.000 --> 01:31:21.000]  I'm Dr. Catherine Albrecht.
[01:31:21.000 --> 01:31:30.000]  More news and information at CatherineAlbrecht.com.
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[01:33:31.000 --> 01:33:47.000]  Okay, we are back.
[01:33:47.000 --> 01:33:52.000]  Randy Kelton, Debra Stevens, Rule of Law Radio, and we're talking to Chris in Pennsylvania.
[01:33:52.000 --> 01:33:56.000]  Chris, I kind of bushwhacked you there with that Wachovia stuff.
[01:33:56.000 --> 01:34:00.000]  You had a foreclosure mortgage question for us.
[01:34:00.000 --> 01:34:05.000]  Yeah, no, that was my question was with the securitization.
[01:34:05.000 --> 01:34:12.000]  I think I explained to you before about Pennsylvania having this conciliatory conferencing
[01:34:12.000 --> 01:34:15.000]  that they do for people who are in foreclosure.
[01:34:15.000 --> 01:34:21.000]  It kind of puts a stay on the foreclosure, and you go to these meetings set up with the clerk there,
[01:34:21.000 --> 01:34:26.000]  and you discuss with the bank an attempt to get a modification.
[01:34:26.000 --> 01:34:34.000]  Well, we just had our third one of these, and every time we go to these meetings,
[01:34:34.000 --> 01:34:41.000]  the bank keeps telling us they don't have all the paperwork after we just sent it into them
[01:34:41.000 --> 01:34:45.000]  30 days prior to the meeting so that we could come to an agreement
[01:34:45.000 --> 01:34:52.000]  before we get to the meeting to make sure that we're either getting a modification or not.
[01:34:52.000 --> 01:34:57.000]  You might consider billing them for your time.
[01:34:57.000 --> 01:34:59.000]  Yeah.
[01:34:59.000 --> 01:35:02.000]  They're certainly billing for their time.
[01:35:02.000 --> 01:35:07.000]  I'm sure they're billing the bank for the time that they're coming there and saying,
[01:35:07.000 --> 01:35:13.000]  well, we don't have all our paperwork ready, so they're getting paid pretty decent for that.
[01:35:13.000 --> 01:35:23.000]  You might consider billing the bank for the time they cost you for not being prepared.
[01:35:23.000 --> 01:35:25.000]  Yeah, well, I thought it was interesting, too,
[01:35:25.000 --> 01:35:30.000]  when you mentioned the part about how every time a new paperwork goes in,
[01:35:30.000 --> 01:35:37.000]  they're billing HUD or whoever for the modification they're proposing.
[01:35:37.000 --> 01:35:40.000]  Yeah, that's a standard procedure.
[01:35:40.000 --> 01:35:45.000]  They train their people at the bottom.
[01:35:45.000 --> 01:35:48.000]  You know, mostly you hire people in entry level.
[01:35:48.000 --> 01:35:51.000]  They're, for the most part, honest.
[01:35:51.000 --> 01:35:53.000]  And how do you get them to cheat people?
[01:35:53.000 --> 01:35:55.000]  Well, you lie to them.
[01:35:55.000 --> 01:35:56.000]  Right.
[01:35:56.000 --> 01:36:00.000]  You have to send the paperwork up, and if everything isn't exactly the way they expect to see it,
[01:36:00.000 --> 01:36:05.000]  they don't say there's something wrong with the paperwork, say it didn't get it.
[01:36:05.000 --> 01:36:08.000]  So these people go back and say, well, we didn't get your paperwork.
[01:36:08.000 --> 01:36:10.000]  You need to send it again.
[01:36:10.000 --> 01:36:14.000]  And every time they get a new set of paperwork, they go to HAMP and say,
[01:36:14.000 --> 01:36:17.000]  I've got another application for a modification.
[01:36:17.000 --> 01:36:20.000]  And HAMP pays them another $2,000 or $3,000.
[01:36:20.000 --> 01:36:25.000]  So they will get you to send your paperwork as many times as they can
[01:36:25.000 --> 01:36:28.000]  because they make a lot of money doing that.
[01:36:28.000 --> 01:36:29.000]  Right.
[01:36:29.000 --> 01:36:30.000]  Now.
[01:36:30.000 --> 01:36:31.000]  Right.
[01:36:31.000 --> 01:36:36.000]  Well, we've gotten to this point where we're, you know, looking at the securitization.
[01:36:36.000 --> 01:36:41.000]  I mean, I know there's a lot of things in the news lately about the Bank of America,
[01:36:41.000 --> 01:36:52.000]  Swiss bank, you know, being fined for selling securitized garbage to investors and insurance payoffs.
[01:36:52.000 --> 01:36:57.000]  I have one question about if the banks are being sued for this
[01:36:57.000 --> 01:37:01.000]  and there are penalties against them selling these off
[01:37:01.000 --> 01:37:06.000]  and knowing that they're toxic mortgage-backed securities,
[01:37:06.000 --> 01:37:13.000]  what happens to the mortgages in those court cases that are the product of their being sued?
[01:37:13.000 --> 01:37:25.000]  If the people who are foreclosed on don't raise issues about those mortgages, they waive them.
[01:37:25.000 --> 01:37:27.000]  It's what I said at the beginning.
[01:37:27.000 --> 01:37:35.000]  Rights belong to the belligerent litigant and the banks count on the fact that most people don't fight the mortgage.
[01:37:35.000 --> 01:37:41.000]  When we started this, about 3% of the people resisted the foreclosure.
[01:37:41.000 --> 01:37:43.000]  Now it's up to 43%.
[01:37:43.000 --> 01:37:45.000]  It's the last figure I heard.
[01:37:45.000 --> 01:37:47.000]  So that part's changing.
[01:37:47.000 --> 01:37:56.000]  But the only time something happens for the individual is when they actually get in there and fight it.
[01:37:56.000 --> 01:38:02.000]  And as to what you said about being in these negotiations,
[01:38:02.000 --> 01:38:09.000]  you need a chain of title audit more than a securities audit.
[01:38:09.000 --> 01:38:16.000]  Securities just simply for the purpose of establishing chain of title.
[01:38:16.000 --> 01:38:20.000]  If you're interested in getting one of those, I have a guy who does that.
[01:38:20.000 --> 01:38:26.000]  And I vetted him out careful, this guy so far is the best.
[01:38:26.000 --> 01:38:28.000]  If you're interested, send me an email.
[01:38:28.000 --> 01:38:33.000]  I'll forward it to him and you can talk to him about that and he can tell you what it'll do for you.
[01:38:33.000 --> 01:38:36.000]  I look at his output.
[01:38:36.000 --> 01:38:42.000]  And his output is an affidavit that you can take into court.
[01:38:42.000 --> 01:38:45.000]  He does a really nice product.
[01:38:45.000 --> 01:38:48.000]  And that's just the chain of title.
[01:38:48.000 --> 01:38:49.000]  Yes, that's chain of title.
[01:38:49.000 --> 01:38:52.000]  That's everybody who's had it.
[01:38:52.000 --> 01:38:58.000]  That will go to securities, but most of these guys I've talked to that do securities audits,
[01:38:58.000 --> 01:39:06.000]  they give you a document that's in ordinary English, not in legalese.
[01:39:06.000 --> 01:39:10.000]  And I get that, and that's not usable for me.
[01:39:10.000 --> 01:39:12.000]  First time when I'm vetting out one of these guys,
[01:39:12.000 --> 01:39:21.000]  the first thing I want is I tell them don't ever make a proactive statement of law out of your own mouth.
[01:39:21.000 --> 01:39:22.000]  Make it out of the mouth of the courts.
[01:39:22.000 --> 01:39:26.000]  Give me statute or citation.
[01:39:26.000 --> 01:39:28.000]  Tell me exactly where you get this.
[01:39:28.000 --> 01:39:33.000]  If you say they can't do this, show me where the court said they can't do it.
[01:39:33.000 --> 01:39:36.000]  Otherwise, don't mean anything to me.
[01:39:36.000 --> 01:39:37.000]  This one did that.
[01:39:37.000 --> 01:39:42.000]  This one was very nicely done, and he can be called in as an expert witness,
[01:39:42.000 --> 01:39:47.000]  and he will eat them for lunch.
[01:39:47.000 --> 01:39:51.000]  So if you're interested, send me an email and I'll forward it to him.
[01:39:51.000 --> 01:39:55.000]  Just for the record, I don't get any kind of commission on this.
[01:39:55.000 --> 01:39:59.000]  This is all between you and him.
[01:39:59.000 --> 01:40:10.000]  So the securitization, and in my place that I'm at here, I told you that we looked up to our homeowner's insurance
[01:40:10.000 --> 01:40:16.000]  and found that the property had been sold, the mortgage had been sold to several different companies,
[01:40:16.000 --> 01:40:25.000]  especially IndyMac, especially it was held by IndyMac while they were going under their FDIC takeover.
[01:40:25.000 --> 01:40:31.000]  Having that information about where this is with all this securitization stuff coming forth,
[01:40:31.000 --> 01:40:38.000]  is it going to benefit me at all to know that what I'd like to find is just maybe somewhere
[01:40:38.000 --> 01:40:46.000]  where there's a pooling and servicing agreement so that I can show that somehow Wachovia
[01:40:46.000 --> 01:40:56.000]  couldn't have transferred this mortgage assignment to Wells Fargo because Wachovia wasn't there
[01:40:56.000 --> 01:40:59.000]  and it was a MERS beneficiary?
[01:40:59.000 --> 01:41:05.000]  Is there a better source of discovery to come up with that information than a title search?
[01:41:05.000 --> 01:41:14.000]  Well, the title search includes the pooling and servicing agreement, but there's more to it than that.
[01:41:14.000 --> 01:41:20.000]  The hardest thing now is to really find the right ones.
[01:41:20.000 --> 01:41:29.000]  We've had audits where they say, we think the note is in this one or we think it's in that one,
[01:41:29.000 --> 01:41:33.000]  and it's because they really know how to look for it.
[01:41:33.000 --> 01:41:41.000]  There's more to the transfers than the pooling and servicing agreement because there's three or four transfers
[01:41:41.000 --> 01:41:46.000]  that it has to go through before it ever gets there.
[01:41:46.000 --> 01:41:55.000]  What he's looking at and the thing he brought to me that I hadn't figured out yet was that
[01:41:55.000 --> 01:42:03.000]  when the note is sold into a security, they don't sell the note itself.
[01:42:03.000 --> 01:42:11.000]  They sell the beneficial interest in the note, and that's what Covenant 20 means
[01:42:11.000 --> 01:42:20.000]  when it authorizes the lender to sell a portion of the note or the entire note.
[01:42:20.000 --> 01:42:27.000]  The portion of the note is the beneficial interest, the right to the income stream.
[01:42:27.000 --> 01:42:36.000]  When they sell that without the note, then the holder of the note is in a position
[01:42:36.000 --> 01:42:41.000]  such that nonpayment does not create a controversy.
[01:42:41.000 --> 01:42:51.000]  He can't come before the court and raise an issue for nonpayment because he's not harmed by nonpayment.
[01:42:51.000 --> 01:42:58.000]  The holder of the beneficial interest is harmed by nonpayment, but he don't hold the note,
[01:42:58.000 --> 01:43:01.000]  so he doesn't have a claim.
[01:43:01.000 --> 01:43:05.000]  Now, it's legal for them to do that.
[01:43:05.000 --> 01:43:09.000]  It's legal for them to separate it that way.
[01:43:09.000 --> 01:43:11.000]  This is a free country.
[01:43:11.000 --> 01:43:16.000]  You can screw yourself if you want to.
[01:43:16.000 --> 01:43:23.000]  That's what he demonstrates really well.
[01:43:23.000 --> 01:43:31.000]  If you'll notice, you haven't heard me hawk the virtues of any of these guys on the air.
[01:43:31.000 --> 01:43:35.000]  This is the first one, and I only do that because he's well vetted.
[01:43:35.000 --> 01:43:37.000]  He'll be on tomorrow night as a co-host.
[01:43:37.000 --> 01:43:40.000]  That's how good he was.
[01:43:40.000 --> 01:43:45.000]  Anybody who makes me feel dumb, I want him on the air with me.
[01:43:45.000 --> 01:43:47.000]  Okay, thank you.
[01:43:47.000 --> 01:43:48.000]  We need to move along.
[01:43:48.000 --> 01:43:50.000]  We've got two more callers, and we're running out of time.
[01:43:50.000 --> 01:43:53.000]  This is Randy Kelton, Deborah Stevens, Wheel of Law Radio.
[01:43:53.000 --> 01:43:57.000]  Our call is number 512-646-1984.
[01:43:57.000 --> 01:44:00.000]  We'll be right back.
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[01:45:00.000 --> 01:45:04.000]  Are you the plaintiff or defendant in a lawsuit?
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[01:46:04.000 --> 01:46:27.000]  Music playing.
[01:46:27.000 --> 01:46:45.000]  Okay, we are back.
[01:46:45.000 --> 01:46:48.000]  Randy Kelton, David Stevens, Rule of Law Radio.
[01:46:48.000 --> 01:46:50.000]  And we do have to move along.
[01:46:50.000 --> 01:46:53.000]  We're going to go to Jennifer in Texas.
[01:46:53.000 --> 01:46:55.000]  Jennifer.
[01:46:55.000 --> 01:46:57.000]  Hi, how are you?
[01:46:57.000 --> 01:46:58.000]  There we go.
[01:46:58.000 --> 01:47:00.000]  We missed you last time.
[01:47:00.000 --> 01:47:01.000]  I don't know what happened.
[01:47:01.000 --> 01:47:05.000]  I must have dozed off or something because I don't have a mortgage problem.
[01:47:05.000 --> 01:47:09.000]  My voice, I have that effect on people.
[01:47:09.000 --> 01:47:14.000]  My repartee is so lively and entertaining.
[01:47:14.000 --> 01:47:16.000]  Everybody falls asleep on me.
[01:47:16.000 --> 01:47:21.000]  I have to tell you, your voice is relaxing.
[01:47:21.000 --> 01:47:25.000]  I wrote you an email, and you told me to call in,
[01:47:25.000 --> 01:47:28.000]  and apparently you do mortgages on Thursday,
[01:47:28.000 --> 01:47:33.000]  and I've got a due process question, and I don't know.
[01:47:33.000 --> 01:47:37.000]  Oh, no, I do mortgages on Wednesday.
[01:47:37.000 --> 01:47:41.000]  Oh, well, everybody's new talking about mortgages since I've been listening.
[01:47:41.000 --> 01:47:45.000]  Yeah, I've only been talking about mortgages because people ask me questions about them.
[01:47:45.000 --> 01:47:46.000]  It's open.
[01:47:46.000 --> 01:47:48.000]  You can ask anything.
[01:47:48.000 --> 01:47:49.000]  Okay.
[01:47:49.000 --> 01:47:53.000]  Well, I have a strange situation.
[01:47:53.000 --> 01:47:58.000]  Well, they're all strange, but I got a ticket,
[01:47:58.000 --> 01:48:07.000]  and there was a CAD report created in the city that I live in in Texas,
[01:48:07.000 --> 01:48:16.000]  and on that CAD report there are some calls between the police officer and the dispatcher,
[01:48:16.000 --> 01:48:20.000]  and they will turn the calls over to me,
[01:48:20.000 --> 01:48:28.000]  and I've been working on this for a year because I went to municipal court,
[01:48:28.000 --> 01:48:30.000]  which was not a court of record.
[01:48:30.000 --> 01:48:32.000]  It was not a JP court.
[01:48:32.000 --> 01:48:39.000]  It was a municipal court, and I pled not guilty in front of a jury.
[01:48:39.000 --> 01:48:44.000]  Well, they had a whole bunch of pictures that the cops created after the fact
[01:48:44.000 --> 01:48:49.000]  that they never disclosed to me over discovery,
[01:48:49.000 --> 01:48:56.000]  and the recordings they never gave to me until after my trial.
[01:48:56.000 --> 01:49:04.000]  So I filed an appeal to call an appeal to NOVO, the county court,
[01:49:04.000 --> 01:49:06.000]  and I still can't get the recording.
[01:49:06.000 --> 01:49:09.000]  File criminal charges against them.
[01:49:09.000 --> 01:49:10.000]  Pardon me?
[01:49:10.000 --> 01:49:13.000]  File criminal charges against them.
[01:49:13.000 --> 01:49:14.000]  Honey, I did.
[01:49:14.000 --> 01:49:15.000]  I tried.
[01:49:15.000 --> 01:49:25.000]  I went to the attorney general and asked and made a complaint about open records,
[01:49:25.000 --> 01:49:33.000]  and they said they cannot let at least the deputy attorney there tell me
[01:49:33.000 --> 01:49:40.000]  that they do not have authority over what they call it...
[01:49:40.000 --> 01:49:41.000]  Okay, hold on.
[01:49:41.000 --> 01:49:44.000]  Did you get the person's name?
[01:49:44.000 --> 01:49:45.000]  Yeah.
[01:49:45.000 --> 01:49:46.000]  Good.
[01:49:46.000 --> 01:49:50.000]  File criminal charges against him.
[01:49:50.000 --> 01:49:56.000]  39.015.
[01:49:56.000 --> 01:50:04.000]  Relatively new legislation gives the attorney general concurrent jurisdiction
[01:50:04.000 --> 01:50:08.000]  in matters of complaints against public officials.
[01:50:08.000 --> 01:50:11.000]  He lied like a dog to you.
[01:50:11.000 --> 01:50:13.000]  41 point what?
[01:50:13.000 --> 01:50:17.000]  39.015.
[01:50:17.000 --> 01:50:20.000]  39.015.
[01:50:20.000 --> 01:50:27.000]  It was a girl, and she told me to go to the district attorney, and I did,
[01:50:27.000 --> 01:50:33.000]  and the district attorney said that they don't have any jurisdiction
[01:50:33.000 --> 01:50:40.000]  and also that I didn't have any merit by what happened in...
[01:50:40.000 --> 01:50:41.000]  Okay.
[01:50:41.000 --> 01:50:44.000]  You have a pencil, write this down.
[01:50:44.000 --> 01:50:46.000]  Yes, I'm writing.
[01:50:46.000 --> 01:50:56.000]  Code of criminal procedure in Texas that's abbreviated TXCCP.
[01:50:56.000 --> 01:50:57.000]  Yes.
[01:50:57.000 --> 01:51:01.000]  2.03.
[01:51:01.000 --> 01:51:03.000]  2.03.
[01:51:03.000 --> 01:51:06.000]  You need to go read that one.
[01:51:06.000 --> 01:51:15.000]  It is a special statute, a special statute exempted out from the general statutes.
[01:51:15.000 --> 01:51:23.000]  It is the first statute that assigns a specific duty to a prosecuting attorney,
[01:51:23.000 --> 01:51:27.000]  and it says, and I'm paraphrasing here because it's a little long and convoluted,
[01:51:27.000 --> 01:51:36.000]  but it says that when a prosecuting attorney is made known in any manner
[01:51:36.000 --> 01:51:44.000]  that a public official has violated a law, a law, meaning any law, relating to his office,
[01:51:44.000 --> 01:51:52.000]  he shall reduce the complaint to an information and submit it to the grand jury.
[01:51:52.000 --> 01:51:57.000]  No discretion at all.
[01:51:57.000 --> 01:52:00.000]  He must give it to the grand jury.
[01:52:00.000 --> 01:52:07.000]  If he fails to do so, that's a violation of 39.03 penal code,
[01:52:07.000 --> 01:52:14.000]  and it's a Class A misdemeanor in Texas.
[01:52:14.000 --> 01:52:17.000]  Well, I don't know how to do this.
[01:52:17.000 --> 01:52:20.000]  I don't know how to file that.
[01:52:20.000 --> 01:52:21.000]  Okay.
[01:52:21.000 --> 01:52:25.000]  You need to listen to the show more, and we'll explain it.
[01:52:25.000 --> 01:52:32.000]  I have a site, jurisimprudence.com.
[01:52:32.000 --> 01:52:40.000]  If you'll send me an email, send it to randy at ruleoflawradio.com.
[01:52:40.000 --> 01:52:44.000]  I will send you an explanation of how to do this.
[01:52:44.000 --> 01:52:49.000]  I will send you the email, honey, and you told me to call in.
[01:52:49.000 --> 01:52:52.000]  So I wish you'd answer my email.
[01:52:52.000 --> 01:52:55.000]  Okay.
[01:52:55.000 --> 01:53:01.000]  Tomorrow night, I will start out with a session on due process.
[01:53:01.000 --> 01:53:02.000]  I'm sorry.
[01:53:02.000 --> 01:53:04.000]  I'll do the second hour.
[01:53:04.000 --> 01:53:11.000]  I'll start out with due process because we're going to have a new co-host on tomorrow night.
[01:53:11.000 --> 01:53:15.000]  But I do need to go over due process again.
[01:53:15.000 --> 01:53:17.000]  I haven't done that in a while.
[01:53:17.000 --> 01:53:21.000]  And I'll go over the steps of the process.
[01:53:21.000 --> 01:53:25.000]  You have much more power than you realize.
[01:53:25.000 --> 01:53:33.000]  When you go in there and invoke law, essentially, when I do this,
[01:53:33.000 --> 01:53:36.000]  I go in and ask the prosecutor to take my complaint.
[01:53:36.000 --> 01:53:39.000]  And I really hope he doesn't.
[01:53:39.000 --> 01:53:40.000]  Really?
[01:53:40.000 --> 01:53:45.000]  Yeah, because I'm going to kick him right square in his pants when he doesn't.
[01:53:45.000 --> 01:53:50.000]  And the way I kick him in his pants is I'm going to go to the attorney general
[01:53:50.000 --> 01:53:55.000]  and ask him to take criminal complaints against the district attorney.
[01:53:55.000 --> 01:53:58.000]  And I hope the attorney general doesn't.
[01:53:58.000 --> 01:53:59.000]  Well, they didn't.
[01:53:59.000 --> 01:54:01.000]  I mean, that's exactly what happened.
[01:54:01.000 --> 01:54:06.000]  Because I'm going to file criminal charges against him with the chief justice of the Supreme Court.
[01:54:06.000 --> 01:54:09.000]  Well, that's where I wanted to know where do I go.
[01:54:09.000 --> 01:54:11.000]  And now you just answered it.
[01:54:11.000 --> 01:54:16.000]  And you can go to any magistrate.
[01:54:16.000 --> 01:54:21.000]  And the chief justice of the Supreme is the best one.
[01:54:21.000 --> 01:54:29.000]  Because when the Code of Criminal Procedure says who are magistrates,
[01:54:29.000 --> 01:54:34.000]  first one, justices of the Supreme Court.
[01:54:34.000 --> 01:54:38.000]  He kept pretending like he didn't know that.
[01:54:38.000 --> 01:54:44.000]  All people who should know what he's supposed to do with him.
[01:54:44.000 --> 01:54:45.000]  Okay, go ahead.
[01:54:45.000 --> 01:54:48.000]  Texas or U.S.?
[01:54:48.000 --> 01:54:50.000]  Wait, I didn't hear that.
[01:54:50.000 --> 01:54:53.000]  Are you talking about Texas Supreme Court or?
[01:54:53.000 --> 01:54:57.000]  Yes, Texas Supreme Court.
[01:54:57.000 --> 01:55:00.000]  I've got about 35 complaints against him.
[01:55:00.000 --> 01:55:02.000]  We've got other people with complaints against him.
[01:55:02.000 --> 01:55:06.000]  He starts building up criminal accusations against him.
[01:55:06.000 --> 01:55:11.000]  He's going to start getting worried that a grand jury is going to pick one up and indict him.
[01:55:11.000 --> 01:55:14.000]  One indictment, he is history.
[01:55:14.000 --> 01:55:16.000]  His career is over.
[01:55:16.000 --> 01:55:23.000]  This will create lots of politics, lots of unhappy politicians.
[01:55:23.000 --> 01:55:27.000]  This is how we get these things fixed.
[01:55:27.000 --> 01:55:33.000]  You get the chief justice of the Supreme upset at a municipal court judge.
[01:55:33.000 --> 01:55:40.000]  That municipal court judge is a minnow swimming around in a pool full of sharks.
[01:55:40.000 --> 01:55:42.000]  This is how we fix these things.
[01:55:42.000 --> 01:55:44.000]  I'll talk about that in more depth tomorrow night.
[01:55:44.000 --> 01:55:45.000]  We're running out of time.
[01:55:45.000 --> 01:55:48.000]  We've only got about three minutes left.
[01:55:48.000 --> 01:55:50.000]  I'll listen tomorrow night.
[01:55:50.000 --> 01:55:52.000]  Say that again?
[01:55:52.000 --> 01:55:53.000]  I'll listen tomorrow night.
[01:55:53.000 --> 01:55:54.000]  Wonderful, wonderful.
[01:55:54.000 --> 01:55:56.000]  I'll go into it in more detail tomorrow night.
[01:55:56.000 --> 01:55:59.000]  We have four hours, so we have a lot more time tomorrow.
[01:55:59.000 --> 01:56:01.000]  Okay, you don't want me to call back in again.
[01:56:01.000 --> 01:56:09.000]  Could you answer my question that I wrote to you in the email?
[01:56:09.000 --> 01:56:15.000]  I don't remember seeing it, but I will check my email and I will give you a good answer.
[01:56:15.000 --> 01:56:16.000]  Okay.
[01:56:16.000 --> 01:56:18.000]  It says who do I complain to?
[01:56:18.000 --> 01:56:21.000]  That was the subject.
[01:56:21.000 --> 01:56:23.000]  Okay, I will find it and I will answer it.
[01:56:23.000 --> 01:56:26.000]  I always check my emails early in the morning.
[01:56:26.000 --> 01:56:29.000]  Okay, thank you very much, Jennifer.
[01:56:29.000 --> 01:56:33.000]  And if you want to call in tomorrow night, by all means do.
[01:56:33.000 --> 01:56:34.000]  Okay, thank you.
[01:56:34.000 --> 01:56:35.000]  Bye-bye.
[01:56:35.000 --> 01:56:36.000]  Okay, we're going to go to...
[01:56:36.000 --> 01:56:38.000]  I believe this is spelled wrong for me.
[01:56:38.000 --> 01:56:42.000]  I think it's Isaac in Missouri.
[01:56:42.000 --> 01:56:44.000]  Is that right?
[01:56:44.000 --> 01:56:45.000]  Yep, that's right.
[01:56:45.000 --> 01:56:50.000]  Okay, because I've got it spelled I-S-A-C-E and I had no idea how to pronounce it.
[01:56:50.000 --> 01:56:52.000]  Yeah, they spell it wrong all the time.
[01:56:52.000 --> 01:56:54.000]  It's I-S-A-A-C.
[01:56:54.000 --> 01:56:56.000]  Okay.
[01:56:56.000 --> 01:57:04.000]  Well, I just got a citation for having a trailer without a license plate.
[01:57:04.000 --> 01:57:09.000]  It's, you know, a traffic ticket, essentially, in Cuba, Missouri.
[01:57:09.000 --> 01:57:14.000]  And what had happened was this trailer was my dad's.
[01:57:14.000 --> 01:57:15.000]  He hadn't been using it for a while.
[01:57:15.000 --> 01:57:19.000]  You know, I don't know, plates weren't on it.
[01:57:19.000 --> 01:57:23.000]  I asked him if I could use it and he said, well, you know, just if he picks it up you can have it.
[01:57:23.000 --> 01:57:26.000]  He was out of state, couldn't find the title.
[01:57:26.000 --> 01:57:29.000]  Okay, wait, how big is the trailer?
[01:57:29.000 --> 01:57:30.000]  16 foot.
[01:57:30.000 --> 01:57:33.000]  Just go down and get a homemade trailer title.
[01:57:33.000 --> 01:57:34.000]  You don't need a title.
[01:57:34.000 --> 01:57:36.000]  Well, I had a title.
[01:57:36.000 --> 01:57:37.000]  That wasn't the problem.
[01:57:37.000 --> 01:57:38.000]  I had the title with me.
[01:57:38.000 --> 01:57:40.000]  It just wasn't fine.
[01:57:40.000 --> 01:57:47.000]  Well, anyway, in Cuba, Missouri, this police officer that was definitely either not having a good day
[01:57:47.000 --> 01:57:53.000]  or just playing something mean pulled me over and started just chewing, pretty much bawling me out
[01:57:53.000 --> 01:57:58.000]  for being, you know, for daring to drive 100 miles from my home without a trailer, you know, that plate.
[01:57:58.000 --> 01:58:00.000]  And I told him, well, I got the title here.
[01:58:00.000 --> 01:58:02.000]  Okay, wait a minute, wait a minute.
[01:58:02.000 --> 01:58:03.000]  I'm sorry.
[01:58:03.000 --> 01:58:04.000]  We are out of time.
[01:58:04.000 --> 01:58:06.000]  Can you call back in tomorrow night?
[01:58:06.000 --> 01:58:07.000]  What?
[01:58:07.000 --> 01:58:08.000]  Yes.
[01:58:08.000 --> 01:58:09.000]  Yeah, we have a four-hour show.
[01:58:09.000 --> 01:58:10.000]  Call in the third hour.
[01:58:10.000 --> 01:58:17.000]  We're going to do a foreclosure the first two hours and then we'll have two hours for other issues.
[01:58:17.000 --> 01:58:18.000]  Okay.
[01:58:18.000 --> 01:58:19.000]  What hour is that?
[01:58:19.000 --> 01:58:25.000]  It'll be from 11, 10 o'clock on Central.
[01:58:25.000 --> 01:58:27.000]  10 o'clock Central.
[01:58:27.000 --> 01:58:28.000]  Yes.
[01:58:28.000 --> 01:58:29.000]  Okay.
[01:58:29.000 --> 01:58:31.000]  Thank you, Isaac.
[01:58:31.000 --> 01:58:33.000]  We'll talk to you tomorrow.
[01:58:33.000 --> 01:58:37.000]  This is Randy Kelton, Deborah Stevens, Rule of Law Radio.
[01:58:37.000 --> 01:58:39.000]  Thank you all for listening.
[01:58:39.000 --> 01:58:47.000]  We'll be back tomorrow night for our four-hour info marathon and we'll have our special guest, Joe Esquivel.
[01:58:47.000 --> 01:58:49.000]  Thank you for listening.
[01:58:49.000 --> 01:58:50.000]  Good night.
[01:58:50.000 --> 01:58:58.000]  Bibles for America is offering absolutely free a unique study Bible called the New Testament Recovery Version.
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