ROL_2010-01-22_16k_Hr3-4.timecode

[00:00.000 --> 00:04.480]  This news brief brought to you by the International News Net.
[00:04.480 --> 00:10.240]  Hamas's most senior representative in the West Bank, Aziz Dwaik, said Hamas has accepted
[00:10.240 --> 00:14.960]  Israel's right to exist and would be prepared to nullify its charter, which calls for the
[00:14.960 --> 00:16.560]  destruction of Israel.
[00:16.560 --> 00:20.160]  Hamas is attempting to win recognition from the international community.
[00:20.160 --> 00:25.000]  Dwaik was released a few months ago after spending three years in an Israeli prison.
[00:25.000 --> 00:30.240]  The World Health Organization is now admitting that the seriousness of the swine flu pandemic
[00:30.240 --> 00:35.920]  had been overestimated and India has demanded an inquiry into why the global body pressed
[00:35.920 --> 00:38.080]  the panic button in the first place.
[00:38.080 --> 00:42.920]  The Union Minister of State for Health, Dinesh Trivedi, said it was important to find out
[00:42.920 --> 00:46.840]  whether there was a connection between the pharmaceutical companies and who.
[00:46.840 --> 00:50.500]  Trivedi added, We definitely demand an inquiry.
[00:50.500 --> 00:52.200]  Who is not God?
[00:52.200 --> 00:57.400]  Honduras President-elect Porfirio Lobo has offered the country's ousted leader, Manuel
[00:57.400 --> 01:03.160]  Zelaya, safe passage to the Dominican Republic after Lobo takes office on January 27th.
[01:03.160 --> 01:10.320]  Zelaya was ousted in a military coup and forced into exile last June.
[01:10.320 --> 01:15.920]  Former NSA analyst Wayne Madsen reports the Obama administration has authorized an economic
[01:15.920 --> 01:21.520]  war against Venezuela to destabilize President Hugo Chavez's government.
[01:21.520 --> 01:27.520]  This follows the successful coup against Chavez's ally, President Manuel Zelaya of Honduras
[01:27.520 --> 01:33.040]  and the recent electoral win by Chile's billionaire right-winger, Sebastián Piñera.
[01:33.040 --> 01:38.000]  Madsen says the Obama White House has given the green light for political operatives in
[01:38.000 --> 01:43.560]  Venezuela, many of whom operate under the cover of non-governmental organizations to
[01:43.560 --> 01:49.880]  set the stage for massive street demonstrations to protest Chavez's devaluation of Venezuela's
[01:49.880 --> 01:52.080]  currency, the Bolivar.
[01:52.080 --> 01:58.600]  Chavez devalued the Bolivar by 50 percent to make Venezuelan oil exports less expensive.
[01:58.600 --> 02:04.480]  Even though the state has exempted food, medicines, school supplies and industrial machinery from
[02:04.480 --> 02:10.360]  the Bolivar's devaluation through a different exchange rate, anti-Chavez forces are hyping
[02:10.360 --> 02:18.040]  the price increases on TVs, tobacco, alcohol, cell phones and computers.
[02:18.040 --> 02:22.840]  In an historic decision, the Supreme Court ruled Thursday corporations should be allowed
[02:22.840 --> 02:26.640]  to make unlimited donations to political campaigns.
[02:26.640 --> 02:31.560]  With this ruling, corporations can now easily buy members of Congress by pouring millions
[02:31.560 --> 02:33.980]  of dollars into election campaigns.
[02:33.980 --> 02:38.520]  They can fund the ads of their chosen candidates and buy ads to attack their opponents.
[02:38.520 --> 02:43.400]  Could you say there's now nothing to stop Russia's Gazprom from buying a P.O. box in
[02:43.400 --> 02:48.520]  Delaware and then showering an obscure candidate with millions of dollars for their election
[02:48.520 --> 02:54.280]  campaign, once elected, that congressmen would be expected to vote a certain way on pending
[02:54.280 --> 02:55.280]  legislation?
[02:55.280 --> 03:00.320]  Critics say the power of Congress, including the ability to declare war, is now available.
[03:00.320 --> 03:08.600]  You are listening to the Rule of Law Radio Network at ruleoflawradio.com, live free speech
[03:08.600 --> 03:15.600]  talk radio at its best.
[03:38.600 --> 03:55.600]  We are originators, and the pathway seems to get straighter every day, and I can take
[03:55.600 --> 04:00.600]  anything that belongs to me and put it to good use.
[04:00.600 --> 04:09.600]  I thought I was good for the gander, gonna work for the fools.
[04:09.600 --> 04:21.600]  I know some architects, I know some engineers, they've seen the evidence, they know a certain
[04:21.600 --> 04:23.600]  thing's queer.
[04:23.600 --> 04:25.600]  What's up with the blatant deception?
[04:25.600 --> 04:29.600]  What is the nature of what you might gain?
[04:29.600 --> 04:33.600]  I see something headed straight for you.
[04:33.600 --> 04:37.600]  I think it looks just like a train.
[04:37.600 --> 04:41.600]  It smells like a sham of sunsets.
[04:41.600 --> 04:44.600]  I can sense him passing through.
[04:44.600 --> 04:47.600]  Okay, we are back.
[04:47.600 --> 04:53.600]  We're with Willow and Mike, and okay, incredible conversation on the break.
[04:53.600 --> 04:58.600]  Man, I wish it was on the air, but at any rate, we're gonna go to your calls.
[04:58.600 --> 05:02.600]  I know Sam, Brian, Justin have been waiting for a very long time.
[05:02.600 --> 05:04.600]  Appreciate you holding.
[05:04.600 --> 05:12.600]  Mike wants to address the issue of admission, whether attorneys can be admitted to represent
[05:12.600 --> 05:14.600]  a client in federal court or not.
[05:14.600 --> 05:17.600]  We're gonna go to that in a minute, but first, let's go to Sam.
[05:17.600 --> 05:18.600]  Yep.
[05:18.600 --> 05:21.600]  All right, Sam, what's your question and comment?
[05:21.600 --> 05:25.600]  I have many comments, but I'll limit that.
[05:25.600 --> 05:32.600]  First of all, Deborah, Randall, Eddie, thank you.
[05:32.600 --> 05:34.600]  You've created a monster.
[05:34.600 --> 05:38.600]  Now I must be fed.
[05:38.600 --> 05:45.600]  I'm about to purchase your traffic program, by the way, Eddie, and Gary and I,
[05:45.600 --> 05:49.600]  Gary from Georgia, Gary and Brian, have talked this morning,
[05:49.600 --> 05:55.600]  and we're going to form our own little group of educational, you know,
[05:55.600 --> 05:57.600]  educational group, let's just say.
[05:57.600 --> 06:02.600]  Anyway, I heard Michael, Mike Mears, right?
[06:02.600 --> 06:03.600]  Yes, sir.
[06:03.600 --> 06:09.600]  Okay, I heard you on another show, and I can't remember where, but it stuck in my head.
[06:09.600 --> 06:10.600]  Yeah.
[06:10.600 --> 06:17.600]  I want to make sure that I have it right, because I'm kind of beating up on HSBC right now,
[06:17.600 --> 06:19.600]  which when I did a little research,
[06:19.600 --> 06:24.600]  they're one of the top five worst offenders of the Fair Debt Collection practices
[06:24.600 --> 06:28.600]  and the other acts, of course, you know.
[06:28.600 --> 06:36.600]  So the last, of course, I did the pending verification of this debt,
[06:36.600 --> 06:41.600]  and they pointed around for several months, oh, we're going to sue you,
[06:41.600 --> 06:46.600]  and then finally, oh, we're going to turn this over to a collection agency,
[06:46.600 --> 06:52.600]  which, of course, made me giggle with glee because I can't wait,
[06:52.600 --> 06:56.600]  having learned so many things from you, sir.
[06:56.600 --> 07:05.600]  So anyway, the question I need a little bit of clarification on is under FDCPA,
[07:05.600 --> 07:10.600]  you said, I think, $1,000 per case.
[07:10.600 --> 07:11.600]  Is that correct?
[07:11.600 --> 07:14.600]  Well, that's what it says in the law.
[07:14.600 --> 07:15.600]  Okay.
[07:15.600 --> 07:22.600]  However, however, there are many, many, many cases out there
[07:22.600 --> 07:27.600]  where the judge and the jury just ignore that because they were so PO'd.
[07:27.600 --> 07:29.600]  Now, we're going to give this guy everything he wants,
[07:29.600 --> 07:33.600]  but my response to that is real simple so you know.
[07:33.600 --> 07:37.600]  When you come up against the lawyer in federal court,
[07:37.600 --> 07:40.600]  they're going to say, well, you know, under Debt Collection Practices Act,
[07:40.600 --> 07:43.600]  you can only get $1,000 for the whole case.
[07:43.600 --> 07:49.600]  And I look at the lawyer in the conference room or on a phone, whatever,
[07:49.600 --> 07:52.600]  and I say, well, you know what, you may be right.
[07:52.600 --> 07:56.600]  Why don't we let the judge and jury decide?
[07:56.600 --> 08:00.600]  Yeah, and that pretty much puts your panties in a bunch, I imagine.
[08:00.600 --> 08:01.600]  Exactly.
[08:01.600 --> 08:05.600]  So what, you want to find out if I can only get $1,000?
[08:05.600 --> 08:07.600]  That's why we have judges and juries.
[08:07.600 --> 08:10.600]  Let's tell them what you did and let them decide.
[08:10.600 --> 08:12.600]  Wait, wait, hold on, hold on, guys.
[08:12.600 --> 08:14.600]  Sam, are you on a speakerphone?
[08:14.600 --> 08:15.600]  Yes, ma'am.
[08:15.600 --> 08:18.600]  Can you please use your handset?
[08:18.600 --> 08:19.600]  How about this?
[08:19.600 --> 08:20.600]  Much better.
[08:20.600 --> 08:21.600]  And watch the language, please.
[08:21.600 --> 08:24.600]  We're going out on AM and FM stations around the country.
[08:24.600 --> 08:25.600]  Okay.
[08:25.600 --> 08:26.600]  All right, that's okay.
[08:26.600 --> 08:27.600]  Continue.
[08:27.600 --> 08:37.600]  The thing is, Mike, for instance, I have, okay, under the Fair Debt Recording Act,
[08:37.600 --> 08:42.600]  you had said $1,000 per violation, correct?
[08:42.600 --> 08:43.600]  Yep.
[08:43.600 --> 08:46.600]  Okay, so see, I'm taking inventory.
[08:46.600 --> 08:49.600]  Of course, I have it on my caller ID, and I record.
[08:49.600 --> 08:53.600]  Every time that they actually get in touch with me, I have a recorder and all that.
[08:53.600 --> 08:58.600]  So I make notes who I talk to, what we spoke about.
[08:58.600 --> 09:01.600]  And I'm up to like 30 violations now.
[09:01.600 --> 09:02.600]  Yep.
[09:02.600 --> 09:07.600]  But here's the question, and I think this is going to be totally cool.
[09:07.600 --> 09:12.600]  You know, there are three credit reporting agencies because I know I used to be a mortgage guy,
[09:12.600 --> 09:15.600]  and we did a tri-merge of all three.
[09:15.600 --> 09:25.600]  So if I dispute this debt and it comes out on the three different reports every month,
[09:25.600 --> 09:29.600]  is that $3,000, you know, $3,000, one per?
[09:29.600 --> 09:32.600]  Well, it's actually $6,000.
[09:32.600 --> 09:34.600]  Oh, okay.
[09:34.600 --> 09:36.600]  Here's how it works.
[09:36.600 --> 09:41.600]  If you disputed this, you validate with the creditor, or excuse me,
[09:41.600 --> 09:43.600]  you validate with the debt collector.
[09:43.600 --> 09:46.600]  Your validation letter goes out and says, prove to me I owe something.
[09:46.600 --> 09:51.600]  The creditor, you dispute with the creditor because the creditors don't have to validate it.
[09:51.600 --> 09:55.600]  They don't have to prove anything, okay?
[09:55.600 --> 09:59.600]  But if you dispute, they must mark the account in dispute,
[09:59.600 --> 10:04.600]  and if they don't answer you to prove that you had this account,
[10:04.600 --> 10:07.600]  well, they must be reporting erroneous and inaccurate information.
[10:07.600 --> 10:15.600]  So under fair credit, under fair credit, that's $1,000 per violation.
[10:15.600 --> 10:23.600]  So it's $2,000 on that one credit report, and if they're in three credit reports, it's $6,000.
[10:23.600 --> 10:26.600]  Man, that's where I love America, right there.
[10:26.600 --> 10:32.600]  Well, wait, wait, wait, because every month they update it, it multiplies by the next month.
[10:32.600 --> 10:38.600]  So if you wait 30 days and they haven't fixed it in 30 days, another $6,000.
[10:38.600 --> 10:41.600]  But wait, there's more if you order now against tonight.
[10:41.600 --> 10:42.600]  I'm just kidding.
[10:42.600 --> 10:43.600]  Yeah, right, right.
[10:43.600 --> 10:45.600]  So here's the point.
[10:45.600 --> 10:50.600]  When you file your complaint in federal court against the debt collector,
[10:50.600 --> 10:58.600]  you name the debt collector as the defendant and the creditor as the co-defendant.
[10:58.600 --> 10:59.600]  Okay.
[10:59.600 --> 11:03.600]  And then you file your complaint under fair credit and debt collection.
[11:03.600 --> 11:09.600]  So, okay, I got $30,000 against you under debt collection.
[11:09.600 --> 11:10.600]  I said, well, you can only get $1,000.
[11:10.600 --> 11:11.600]  Well, that's all right.
[11:11.600 --> 11:14.600]  I got $20,000 on the creditor.
[11:14.600 --> 11:16.600]  What do you think is going to happen?
[11:16.600 --> 11:21.600]  Yeah, I got like a $5,000 and some change bill, of course you're going to settle.
[11:21.600 --> 11:22.600]  Okay.
[11:22.600 --> 11:23.600]  Okay.
[11:23.600 --> 11:24.600]  You got the point.
[11:24.600 --> 11:25.600]  You got the point.
[11:25.600 --> 11:26.600]  All right.
[11:26.600 --> 11:31.600]  You know, this is a beautiful thing.
[11:31.600 --> 11:37.600]  I talked to Gary this morning and we were just like, of course, you know, he's an old time warrior.
[11:37.600 --> 11:42.600]  And you guys have, and I'm only 50, so I still have a few good years ahead of me.
[11:42.600 --> 11:46.600]  And I'm telling you, you have awakened the sleeping midget.
[11:46.600 --> 11:47.600]  Right.
[11:47.600 --> 11:48.600]  Exactly.
[11:48.600 --> 11:54.600]  And once you get this junk cleaned up, like I told Willow before, you're going to sleep a lot better too.
[11:54.600 --> 11:55.600]  Let me tell you about.
[11:55.600 --> 11:58.600]  Well, yeah, I pretty much sleep pretty well anyway.
[11:58.600 --> 11:59.600]  Yeah, I understand.
[11:59.600 --> 12:04.600]  Because, you know, I live a life of honor and I know that I don't hurt people unintentionally.
[12:04.600 --> 12:09.600]  But, you know, it's just that, you know, like Deborah asked Willow, when did you know that?
[12:09.600 --> 12:10.600]  Yeah.
[12:10.600 --> 12:12.600]  You know, when did this change come upon you?
[12:12.600 --> 12:13.600]  I don't know.
[12:13.600 --> 12:17.600]  Because to be honest with you, ever since I was little, I was in trouble.
[12:17.600 --> 12:21.600]  Because all I did was question the authority, ask questions.
[12:21.600 --> 12:22.600]  Why? Why? Why?
[12:22.600 --> 12:24.600]  No one ever gave me the answer.
[12:24.600 --> 12:32.600]  Well, now, thanks to Randy, Deborah, Dr. Graves, you, Douglas Riddle, you know, guys like this.
[12:32.600 --> 12:38.600]  I mean, you know, this entire world of why has opened up to me.
[12:38.600 --> 12:41.600]  And I appreciate that and I love you all for that.
[12:41.600 --> 12:44.600]  And I'm going to get off the phone so you can take some more questions.
[12:44.600 --> 12:47.600]  But I really appreciate that clarification on that other issue.
[12:47.600 --> 12:48.600]  I mean, man.
[12:48.600 --> 12:49.600]  No problem, man.
[12:49.600 --> 12:51.600]  I wish you the best of luck.
[12:51.600 --> 12:59.600]  And I hope you get some bucks out of them and you can take your significant other out for a nice dinner or a nice trip.
[12:59.600 --> 13:00.600]  You got that right.
[13:00.600 --> 13:01.600]  Peace to you, man.
[13:01.600 --> 13:03.600]  Thanks, Sam.
[13:03.600 --> 13:05.600]  Thanks for all your support.
[13:05.600 --> 13:07.600]  Thanks.
[13:07.600 --> 13:09.600]  That's why we're doing this.
[13:09.600 --> 13:11.600]  Okay, we're going to go to Brian in Pennsylvania.
[13:11.600 --> 13:13.600]  We haven't heard from Brian for a while.
[13:13.600 --> 13:15.600]  Brian, thanks for calling.
[13:15.600 --> 13:19.600]  What is your question and comment for Willow, Mike, or us?
[13:19.600 --> 13:20.600]  Hi there, everybody.
[13:20.600 --> 13:21.600]  Hi.
[13:21.600 --> 13:25.600]  Well, I guess I wasn't expecting to be up so soon.
[13:25.600 --> 13:29.600]  I thought you had mentioned Mike wanted to go into the discovery issue.
[13:29.600 --> 13:30.600]  Go ahead.
[13:30.600 --> 13:31.600]  No, that's okay.
[13:31.600 --> 13:32.600]  Go ahead, Brian.
[13:32.600 --> 13:33.600]  You're up.
[13:33.600 --> 13:34.600]  Okay.
[13:34.600 --> 13:36.600]  Well, hold on one second.
[13:36.600 --> 13:42.600]  I was working in my garage and Mike, he was about to kick off.
[13:42.600 --> 13:45.600]  Okay.
[13:45.600 --> 13:53.600]  Well, one of the issues I have right now is about making a log about phone calls.
[13:53.600 --> 13:59.600]  You said, you know, making a log of phone calls and what have you.
[13:59.600 --> 14:00.600]  Right.
[14:00.600 --> 14:06.600]  Sometimes the caller ID won't show up or it will only say out of area or unavailable.
[14:06.600 --> 14:07.600]  Right, right.
[14:07.600 --> 14:08.600]  How do you handle that?
[14:08.600 --> 14:11.600]  Yeah, and I've discussed this before and it's a good point.
[14:11.600 --> 14:17.600]  Do you have a phone service provider, does somebody like Sprint or the local phone company
[14:17.600 --> 14:20.600]  or the state phone company provide service to that phone?
[14:20.600 --> 14:22.600]  You mean like Verizon, for example?
[14:22.600 --> 14:24.600]  Verizon, anybody like that.
[14:24.600 --> 14:28.600]  Yeah, whoever provides your phone service, here's what you can do, buddy.
[14:28.600 --> 14:30.600]  It's real simple.
[14:30.600 --> 14:31.600]  Okay.
[14:31.600 --> 14:35.600]  You get a hold of them people who provide your service.
[14:35.600 --> 14:40.600]  Well, the first thing you do is you call up your local police department.
[14:40.600 --> 14:42.600]  And don't get nervous.
[14:42.600 --> 14:43.600]  Okay.
[14:43.600 --> 14:44.600]  Call up your local police department.
[14:44.600 --> 14:50.600]  Say, hey, I'm getting these calls two and three times a day, two or three times a week.
[14:50.600 --> 14:51.600]  There's no caller ID.
[14:51.600 --> 14:52.600]  They're calling up.
[14:52.600 --> 14:53.600]  They're hanging up on me.
[14:53.600 --> 14:57.600]  I don't know who it is and I want to file a complaint.
[14:57.600 --> 15:03.600]  And tell them you're going to go to your telephone service provider and let them know
[15:03.600 --> 15:05.600]  and they will open a case for you.
[15:05.600 --> 15:06.600]  Okay.
[15:06.600 --> 15:11.600]  You go to Verizon, you go to Sprint, whoever got your phone service and say,
[15:11.600 --> 15:12.600]  hey, I'm getting these calls.
[15:12.600 --> 15:14.600]  They have the records, man.
[15:14.600 --> 15:16.600]  They have the records, believe me.
[15:16.600 --> 15:20.600]  They can trace it right back to where that call is coming from.
[15:20.600 --> 15:30.600]  And then what they will do, they will provide that information to your local police department
[15:30.600 --> 15:35.600]  and then the local police department will send those guys a letter and say,
[15:35.600 --> 15:40.600]  you better stop calling this person because this is construed as harassment.
[15:40.600 --> 15:44.600]  And if you don't, we're going to come after you.
[15:44.600 --> 15:48.600]  So you might get some answers right there.
[15:48.600 --> 15:49.600]  Okay.
[15:49.600 --> 15:53.600]  If they call and the whole purpose of a log, again,
[15:53.600 --> 15:56.600]  is so you've got some type of record of dates and times.
[15:56.600 --> 16:01.600]  I have yet to see one of these logs pulled into court.
[16:01.600 --> 16:02.600]  Okay.
[16:02.600 --> 16:06.600]  When you file your complaint, you can go in there.
[16:06.600 --> 16:11.600]  They might have called you 100 times and you can prove definitely that 100 times,
[16:11.600 --> 16:15.600]  10 times you've got their phone number, you talked to somebody, you got their name,
[16:15.600 --> 16:19.600]  and you told them not to call and they keep calling, blah, blah, blah, blah, blah, blah.
[16:19.600 --> 16:24.600]  You sent them the validation letter, which has a limited cease and desist on it.
[16:24.600 --> 16:27.600]  They violated the limited cease and desist.
[16:27.600 --> 16:34.600]  I have yet to see one of those logs or one of those statements questioned.
[16:34.600 --> 16:35.600]  That's good.
[16:35.600 --> 16:38.600]  All right, Brian, did you get your question answered?
[16:38.600 --> 16:41.600]  Well, I did have a couple more if you don't mind.
[16:41.600 --> 16:43.600]  Okay, just hang on to the other side.
[16:43.600 --> 16:44.600]  Sure.
[16:44.600 --> 16:51.600]  All right, we've got Justin and Jeff.
[16:51.600 --> 16:52.600]  Stay on the line.
[16:52.600 --> 16:54.600]  We will be right back.
[16:54.600 --> 17:00.600]  Special guests Mike and Willow.
[17:00.600 --> 17:03.600]  You feel tired when talking about important topics like money and politics?
[17:03.600 --> 17:04.600]  Sorry.
[17:04.600 --> 17:07.600]  Are you confused by words like the Constitution or the Federal Reserve?
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[18:01.600 --> 18:04.600]  Well, don't let nothing get to you.
[18:04.600 --> 18:06.600]  Only the Father can deliver you.
[18:06.600 --> 18:09.600]  So don't let bad-minded people hurt you.
[18:09.600 --> 18:12.600]  And trust Satan. Get behind him.
[18:12.600 --> 18:14.600]  Know what I mean?
[18:14.600 --> 18:17.600]  My friend, Nala Jachari.
[18:17.600 --> 18:18.600]  Come on.
[18:18.600 --> 18:21.600]  Justin got me free.
[18:21.600 --> 18:23.600]  Telling you probably everything.
[18:23.600 --> 18:26.600]  Calling his name once again.
[18:26.600 --> 18:29.600]  Every call you know he will say.
[18:29.600 --> 18:32.600]  Justin got me free.
[18:32.600 --> 18:35.600]  Telling you probably everything.
[18:35.600 --> 18:38.600]  Calling his name once again.
[18:38.600 --> 18:41.600]  Every call you know he will say.
[18:41.600 --> 18:44.600]  He is my king, man. He is everything.
[18:44.600 --> 18:47.600]  He is everything to me. That's why I call him.
[18:47.600 --> 18:50.600]  I call him me and I pray to him.
[18:50.600 --> 18:53.600]  Because he is the only one who could answer him.
[18:53.600 --> 18:56.600]  May not be missed what the king man said.
[18:56.600 --> 18:58.600]  Mankind, you know, is misleading.
[18:58.600 --> 19:02.600]  Justin got me free.
[19:02.600 --> 19:05.600]  Telling you probably everything.
[19:05.600 --> 19:08.600]  Calling his name once again.
[19:08.600 --> 19:11.600]  Every call you know he will say.
[19:11.600 --> 19:14.600]  Justin got me free.
[19:14.600 --> 19:17.600]  Telling you probably everything.
[19:17.600 --> 19:20.600]  Calling his name once again.
[19:20.600 --> 19:23.600]  Every call you know he will say.
[19:23.600 --> 19:25.600]  What you call him, you call him Buhuda.
[19:25.600 --> 19:28.600]  You call him Nala or you call him Jeovia.
[19:28.600 --> 19:31.600]  Cop on his name and you call Rasta.
[19:31.600 --> 19:34.600]  Pray to him and he'll deliver.
[19:34.600 --> 19:37.600]  Miracle, he work and he work it all over.
[19:37.600 --> 19:40.600]  Make him lazy and the deaf hear we.
[19:40.600 --> 19:43.600]  Make the people man get up walk to see.
[19:43.600 --> 19:46.600]  Make your father big and he'll do this for me.
[19:46.600 --> 19:49.600]  Justin got me free.
[19:49.600 --> 19:52.600]  Telling you probably everything.
[19:52.600 --> 19:55.600]  Calling his name once again.
[19:55.600 --> 19:58.600]  Miracle, you know he will say.
[19:58.600 --> 20:01.600]  This king hurt rightful ruler.
[20:01.600 --> 20:04.600]  That's why he make cop on his name every hour.
[20:04.600 --> 20:07.600]  Calling his name like him know I am here.
[20:07.600 --> 20:10.600]  All of me faith when we put him in.
[20:10.600 --> 20:13.600]  That's what we're doing.
[20:13.600 --> 20:16.600]  We're here with our very good friends,
[20:16.600 --> 20:21.600]  Mike Meares and Willow and Randy and Eddie and Jerry.
[20:21.600 --> 20:23.600]  I just couldn't be in better company.
[20:23.600 --> 20:25.600]  I'm so happy.
[20:25.600 --> 20:26.600]  I love this night.
[20:26.600 --> 20:28.600]  It's one of my favorite nights of my life.
[20:28.600 --> 20:33.600]  We are speaking with Brian from Pennsylvania concerning the call logs.
[20:33.600 --> 20:37.600]  And Brian, what we were discussing on the breaks,
[20:37.600 --> 20:42.600]  with Mike Meares' methods we don't even really need to dig up all these kinds of
[20:42.600 --> 20:45.600]  levels of extreme excruciating, you know,
[20:45.600 --> 20:50.600]  proof of evidence because it's not about filing criminal charges against them
[20:50.600 --> 20:53.600]  for telephone harassment or whatever.
[20:53.600 --> 20:57.600]  Mike is saying that according to his method you just make a log and according to
[20:57.600 --> 21:03.600]  your sworn testimony that is accepted as facts and evidences in court.
[21:03.600 --> 21:09.600]  And if they want to try to prove you wrong and try to accuse you of perjury,
[21:09.600 --> 21:14.600]  then the onus, the burden of proof is on the other side to come up with the
[21:14.600 --> 21:19.600]  telephone records or whatever else to try to prove your log wrong because it's
[21:19.600 --> 21:21.600]  not even about that.
[21:21.600 --> 21:25.600]  It's about this goes to the fact of sworn testimony in court.
[21:25.600 --> 21:27.600]  It is fact.
[21:27.600 --> 21:32.600]  It is accepted as fact unless otherwise proven and if it's proven wrong,
[21:32.600 --> 21:35.600]  then that's perjury, you know, jail time, et cetera, et cetera.
[21:35.600 --> 21:38.600]  So we don't want to get too wrapped up in, you know,
[21:38.600 --> 21:42.600]  coming up with the proof of the log because if we are in the right and in our
[21:42.600 --> 21:49.600]  spirit telling the truth, then you just write it down every time they call.
[21:49.600 --> 21:51.600]  And it's up to them to prove you wrong.
[21:51.600 --> 21:52.600]  Okay?
[21:52.600 --> 21:53.600]  Am I getting this right, Mike?
[21:53.600 --> 21:55.600]  Yeah, and I agree with that.
[21:55.600 --> 21:58.600]  But there could be other people that are calling you that could be misconstrued
[21:58.600 --> 22:03.600]  and whatever the case it would be nice to have some factual evidence just in
[22:03.600 --> 22:06.600]  case and particularly I find it fun.
[22:06.600 --> 22:08.600]  Yeah, and you're right.
[22:08.600 --> 22:12.600]  And the point is I have yet to see anything like that questioned in any of
[22:12.600 --> 22:14.600]  these federal cases.
[22:14.600 --> 22:18.600]  The biggest thing they come back with is did you have this account or did you
[22:18.600 --> 22:19.600]  not have this account?
[22:19.600 --> 22:21.600]  Did you have this credit card?
[22:21.600 --> 22:22.600]  Did you not have this loan?
[22:22.600 --> 22:24.600]  Did you not borrow this amount of money?
[22:24.600 --> 22:30.600]  And even then that's overstating because they very seldom put it that way
[22:30.600 --> 22:35.600]  because that is not the question that's generally before the court under fair
[22:35.600 --> 22:36.600]  credit, okay?
[22:36.600 --> 22:38.600]  It's your civil rights.
[22:38.600 --> 22:41.600]  But if the debt collector is in your credit report,
[22:41.600 --> 22:43.600]  it's going to fall under fair credit.
[22:43.600 --> 22:46.600]  So you see how it all swings in together.
[22:46.600 --> 22:48.600]  Yes, and Brian, you're right.
[22:48.600 --> 22:52.600]  I mean if they're calling under an anonymous caller ID, you know,
[22:52.600 --> 22:55.600]  you do want to have something to back up what you're saying.
[22:55.600 --> 22:56.600]  I agree.
[22:56.600 --> 23:04.600]  And so what we do is we record all the messages on the voicemail because it's
[23:04.600 --> 23:08.600]  logged with, you know, the little digital voice of such-and-such date and
[23:08.600 --> 23:11.600]  such-and-such time and so that is our log.
[23:11.600 --> 23:15.600]  They don't leave messages half the time and it's funny because I'll pick up.
[23:15.600 --> 23:17.600]  Well, then how are you going to know?
[23:17.600 --> 23:22.600]  The way that I knew was because I continued to get three more calls after I
[23:22.600 --> 23:28.600]  sent out my cease and desist letter and I knew because I saw the phone number,
[23:28.600 --> 23:31.600]  but calling me was a computer.
[23:31.600 --> 23:35.600]  So four months out of six months my call was a computer.
[23:35.600 --> 23:36.600]  It's real simple.
[23:36.600 --> 23:37.600]  Here's what you'll do.
[23:37.600 --> 23:41.600]  You record the log, the time, the date, no caller ID,
[23:41.600 --> 23:44.600]  but you're pretty sure it's the debt collector calling.
[23:44.600 --> 23:52.600]  When that goes into court, you can subpoena because you're in a federal court.
[23:52.600 --> 23:54.600]  You can subpoena the records.
[23:54.600 --> 23:55.600]  I know.
[23:55.600 --> 23:58.600]  So you get all of the telephone company and say,
[23:58.600 --> 24:00.600]  here's the subpoena telephone company.
[24:00.600 --> 24:06.600]  Tell me who called me on this day and let's see if they want to go there.
[24:06.600 --> 24:07.600]  Right.
[24:07.600 --> 24:10.600]  And all that is probably not even necessary.
[24:10.600 --> 24:11.600]  Right.
[24:11.600 --> 24:16.600]  And I just want to make an additional point that, Brian, you're right.
[24:16.600 --> 24:17.600]  Don't go there.
[24:17.600 --> 24:18.600]  Don't write it down on the log.
[24:18.600 --> 24:22.600]  Don't claim it if you can't prove it, if you're not sure,
[24:22.600 --> 24:28.600]  because you are going under penalty of perjury and we need to stand in the
[24:28.600 --> 24:30.600]  truth and the light and the spirit.
[24:30.600 --> 24:35.600]  And there's no need for us to try to fudge these kinds of records because
[24:35.600 --> 24:37.600]  they're in the wrong anyway.
[24:37.600 --> 24:40.600]  So I don't want to get bogged down in these kind of details.
[24:40.600 --> 24:41.600]  Right.
[24:41.600 --> 24:44.600]  And the point is that just get them on two or three times,
[24:44.600 --> 24:49.600]  and if you know it's the same guy, just nail them bona fide two or three times
[24:49.600 --> 24:51.600]  because it's the old story.
[24:51.600 --> 24:55.600]  When the cops arrest you, they like to have two or three charges against you
[24:55.600 --> 24:58.600]  because they know you're not going to wiggle out of one of them.
[24:58.600 --> 25:01.600]  And that's all it takes, my friend, is one charge.
[25:01.600 --> 25:02.600]  Hey, Michael.
[25:02.600 --> 25:03.600]  Yes, sir.
[25:03.600 --> 25:06.600]  Are you home this weekend?
[25:06.600 --> 25:07.600]  I am.
[25:07.600 --> 25:11.600]  If I could ask you, I am the Brian from Pennsylvania that sent you
[25:11.600 --> 25:15.600]  silver and death two weeks ago now.
[25:15.600 --> 25:16.600]  Right.
[25:16.600 --> 25:18.600]  Actually, 15 days, I was just at the post office today.
[25:18.600 --> 25:24.600]  The postmaster that I spoke with asked me to ask the recipient if they could
[25:24.600 --> 25:27.600]  go to their post office because it's possible they're going to hold it now.
[25:27.600 --> 25:31.600]  Hey, Brian, I went to the post office today.
[25:31.600 --> 25:38.600]  I did the tracking, and I said, you know, I'm going to go down to my local
[25:38.600 --> 25:40.600]  post office because they said it's down there.
[25:40.600 --> 25:45.600]  And I went down, I asked them, and they said, well, we don't have it here,
[25:45.600 --> 25:48.600]  but the courier service, there's a different group.
[25:48.600 --> 25:52.600]  They gave me the phone number and the name of the guy to call who sends out
[25:52.600 --> 25:53.600]  the mailman.
[25:53.600 --> 25:56.600]  They said to call him, and I got his phone number here.
[25:56.600 --> 25:58.600]  I'm going to call him tomorrow morning.
[25:58.600 --> 26:02.600]  So I must have been, you must have been up there in Pennsylvania.
[26:02.600 --> 26:04.600]  We're about 1,500 miles apart.
[26:04.600 --> 26:08.600]  I must have been getting the microwaves from you, Don.
[26:08.600 --> 26:09.600]  All right.
[26:09.600 --> 26:10.600]  Thank you, Brian.
[26:10.600 --> 26:12.600]  We appreciate your support and your calling.
[26:12.600 --> 26:13.600]  I do.
[26:13.600 --> 26:14.600]  I really appreciate what you guys are doing.
[26:14.600 --> 26:16.600]  If I could add one more thing.
[26:16.600 --> 26:18.600]  Yes.
[26:18.600 --> 26:21.600]  And it goes a little bit to what you said about Martin Luther King, and I've
[26:21.600 --> 26:22.600]  done homework since.
[26:22.600 --> 26:26.600]  I used to believe in him, but I feel a little bit deceived.
[26:26.600 --> 26:30.600]  And I've heard it here sometimes, and it's the whole civil rights thing.
[26:30.600 --> 26:31.600]  Yeah.
[26:31.600 --> 26:37.600]  I do believe that there is a place for rights to be enumerated, to spell it out
[26:37.600 --> 26:38.600]  clear as day.
[26:38.600 --> 26:44.600]  However, I have the contention that we are enlarging our federal branch of
[26:44.600 --> 26:50.600]  government and that judicial acknowledgement that we are going to codify,
[26:50.600 --> 26:53.600]  to such an extent, our rights.
[26:53.600 --> 26:56.600]  And I think that's just dangerous, and I just wanted to make sure people get
[26:56.600 --> 27:00.600]  the stick, take a step back, and think about what we're doing and a lot of
[27:00.600 --> 27:04.600]  that, where I think a lot of what I could settle could easily be done in my
[27:04.600 --> 27:09.600]  local courts without having to exercise in my quarter court civil rights, but
[27:09.600 --> 27:13.600]  simply my greater endowed unalienable rights.
[27:13.600 --> 27:17.600]  Okay, Brian, you're right.
[27:17.600 --> 27:22.600]  I have a problem with that, too, because I'm a libertarian, small L, and,
[27:22.600 --> 27:29.600]  you know, I've had issues in my own conscience with these kinds of situations,
[27:29.600 --> 27:34.600]  Mike Mears, Smith and others, because we're, you know, we're using the civil
[27:34.600 --> 27:35.600]  rights thing.
[27:35.600 --> 27:38.600]  I agree.
[27:38.600 --> 27:42.600]  I don't know how to answer that question except for, well, it's the law, and
[27:42.600 --> 27:44.600]  this is where we're at right now.
[27:44.600 --> 27:46.600]  We are in a fallen age.
[27:46.600 --> 27:47.600]  We're in a fallen society.
[27:47.600 --> 27:53.600]  And so I feel that all is fair in love and war, and we may as well use the
[27:53.600 --> 27:59.600]  statute that is at our hands, and let's beat these banksters off because
[27:59.600 --> 28:03.600]  basically it's like swatting them off with a fly swatter if we can, and then
[28:03.600 --> 28:09.600]  we will move for repealing these kinds of laws of civil rights and educate
[28:09.600 --> 28:14.600]  society that there's no such thing as group rights and all these kinds of
[28:14.600 --> 28:18.600]  things, and, you know, the whole collectivist mentality and the entitlement
[28:18.600 --> 28:23.600]  mentality that we have to get people to, you know, wake up to come out of that
[28:23.600 --> 28:24.600]  sort of thing.
[28:24.600 --> 28:28.600]  And so I agree, you know, maybe kind of buying into it a little bit, but you
[28:28.600 --> 28:29.600]  know what?
[28:29.600 --> 28:33.600]  It's like we've got to do whatever we have to do right now to stop it.
[28:33.600 --> 28:37.600]  And I may sound like a sellout, but, you know, if we're going to be super
[28:37.600 --> 28:44.600]  hardcore, ivory tower, ideological, you know, I don't know.
[28:44.600 --> 28:45.600]  I'm sorry.
[28:45.600 --> 28:46.600]  I'm standing.
[28:46.600 --> 28:48.600]  I said what I said, and I'm standing by it.
[28:48.600 --> 28:53.600]  Hey, Deborah, I kind of see how somebody gave me a perspective a year ago that
[28:53.600 --> 28:56.600]  I didn't quite get at the time because they were pretty abrasive in their
[28:56.600 --> 29:01.600]  approach, but how a lot of the powers that be, we'll call them, I don't want
[29:01.600 --> 29:06.600]  to generalize, speaking against generalization, there's a lot of people
[29:06.600 --> 29:12.600]  in the judicial system and, you know, in our governmental apparatus that are
[29:12.600 --> 29:15.600]  very religious about what they're doing in a sadist way.
[29:15.600 --> 29:21.600]  And they, in my opinion, what I've seen, want to provide us remedy in and out
[29:21.600 --> 29:26.600]  because that is almost part of their code of conduct, it seems.
[29:26.600 --> 29:29.600]  And however peculiar it is that people that I would think are so wicked are
[29:29.600 --> 29:33.600]  going to give people an out, I think that's what I kind of see a little bit
[29:33.600 --> 29:34.600]  there.
[29:34.600 --> 29:36.600]  Okay, well, listen, Brian, we need to let you go.
[29:36.600 --> 29:37.600]  We're going to break.
[29:37.600 --> 29:40.600]  And then on the other side, we want to bring up Jeff.
[29:40.600 --> 29:45.600]  Jeff Suswick, who's been waiting, who is one of our mentors.
[29:45.600 --> 29:46.600]  Right.
[29:46.600 --> 29:48.600]  And Justin, please hang on the line.
[29:48.600 --> 29:50.600]  Brian, thank you for calling.
[29:50.600 --> 29:51.600]  We haven't spoken to you for a while.
[29:51.600 --> 29:54.600]  You brought some excellent points and we really appreciate it.
[29:54.600 --> 29:55.600]  Thanks, Jeff.
[29:55.600 --> 29:57.600]  We'll be right back with Jeff.
[29:57.600 --> 29:58.600]  Great.
[29:58.600 --> 30:04.600]  Are you being harassed by debt collectors with phone calls, letters, or even lawsuits?
[30:04.600 --> 30:08.600]  Stop debt collectors now with the Michael Mears proven method.
[30:08.600 --> 30:12.600]  Michael Mears has won six cases in federal court against debt collectors,
[30:12.600 --> 30:14.600]  and now you can win too.
[30:14.600 --> 30:18.600]  You'll get step-by-step instructions in plain English on how to win in court using
[30:18.600 --> 30:20.600]  federal civil rights statutes.
[30:20.600 --> 30:24.600]  What to do when contacted by phone, mail, or court summons.
[30:24.600 --> 30:26.600]  How to answer letters and phone calls.
[30:26.600 --> 30:28.600]  How to get debt collectors out of your credit report.
[30:28.600 --> 30:33.600]  How to turn the financial tables on them and make them pay you to go away.
[30:33.600 --> 30:38.600]  The Michael Mears proven method is the solution for how to stop debt collectors.
[30:38.600 --> 30:40.600]  Personal consultation is available as well.
[30:40.600 --> 30:46.600]  For more information, please visit ruleoflawradio.com and click on the blue Michael Mears banner,
[30:46.600 --> 30:49.600]  or email michaelmears at yahoo.com.
[30:49.600 --> 30:59.600]  That's ruleoflawradio.com, or email michaelmears at yahoo.com to learn how to stop debt collectors now.
[31:19.600 --> 31:39.600]  All along the break and before the break, Deborah is justifying selling out two of these
[31:39.600 --> 31:43.600]  statutes that I don't believe in the principles of.
[31:43.600 --> 31:50.600]  Okay, so I don't know how to, I don't know how to make excuses for myself.
[31:50.600 --> 31:54.600]  Because Brian is right, okay, the whole collectivist thing and, you know,
[31:54.600 --> 31:58.600]  the civil rights issue, but, you know, whatever.
[31:58.600 --> 32:01.600]  I said what I said and I'm standing by what I said.
[32:01.600 --> 32:07.600]  All is fair in love and war, and ultimately I am not selling out to my two principles,
[32:07.600 --> 32:09.600]  and that's all I've got to say about it.
[32:09.600 --> 32:10.600]  We're going to Jeff in Maryland.
[32:10.600 --> 32:12.600]  Jeff, what do you have to say about it?
[32:12.600 --> 32:16.600]  Well, good evening, Deborah, and good evening.
[32:16.600 --> 32:18.600]  Is Randy on the line?
[32:18.600 --> 32:20.600]  Yes, he is.
[32:20.600 --> 32:22.600]  Oh, yeah, and I was chomping you on the break.
[32:22.600 --> 32:28.600]  He said he called you as his dad and I corrected my granddad.
[32:28.600 --> 32:30.600]  Jeff, can you speak up some?
[32:30.600 --> 32:31.600]  You're a little low.
[32:31.600 --> 32:32.600]  I don't know what's going on.
[32:32.600 --> 32:34.600]  I think I've got a bad connection.
[32:34.600 --> 32:35.600]  Okay, go ahead.
[32:35.600 --> 32:37.600]  All right, I'll do the best I can.
[32:37.600 --> 32:42.600]  One of the things I wanted to cover with my – oh, real quick, Randy,
[32:42.600 --> 32:46.600]  Larry Bradshaw just struck a major victory in tax court.
[32:46.600 --> 32:47.600]  Wonderful.
[32:47.600 --> 32:48.600]  I'll talk to you about it tomorrow.
[32:48.600 --> 32:53.600]  I was just discussing Larry Bradshaw's idea today.
[32:53.600 --> 32:54.600]  Okay.
[32:54.600 --> 33:02.600]  About using the states to throw out the feds and getting the states to collect their own tax.
[33:02.600 --> 33:05.600]  All right, well, you wait until I show you the evidence of what he accomplished.
[33:05.600 --> 33:07.600]  Good deal.
[33:07.600 --> 33:08.600]  Okay.
[33:08.600 --> 33:15.600]  Mike, one of the things that I don't believe we've ever really covered
[33:15.600 --> 33:20.600]  or you've ever really covered is post-judgment.
[33:20.600 --> 33:22.600]  Uh-huh.
[33:22.600 --> 33:26.600]  And I had an interesting situation that was handed to me.
[33:26.600 --> 33:28.600]  Yeah.
[33:28.600 --> 33:34.600]  Judgment was handed down to a credit card company that six, eight months later was absorbed by HFBC,
[33:34.600 --> 33:35.600]  our favorite.
[33:35.600 --> 33:36.600]  Yeah.
[33:36.600 --> 33:37.600]  Okay.
[33:37.600 --> 33:46.600]  And a law firm has filed in an entry of appearance in the name of HFBC,
[33:46.600 --> 33:48.600]  but the judgment wasn't to HFBC.
[33:48.600 --> 33:49.600]  Uh-huh.
[33:49.600 --> 33:50.600]  Okay.
[33:50.600 --> 33:55.600]  So if you validate to the attorney, he's going to send you this judgment.
[33:55.600 --> 33:56.600]  Yeah.
[33:56.600 --> 33:57.600]  Okay.
[33:57.600 --> 34:02.600]  But, you know, at the same time, we all know they sold this thing.
[34:02.600 --> 34:03.600]  Yeah.
[34:03.600 --> 34:10.600]  So why don't we just start a FCRA action between the credit bureaus and HFBC?
[34:10.600 --> 34:11.600]  Correct.
[34:11.600 --> 34:12.600]  Okay.
[34:12.600 --> 34:19.600]  In the meantime, with this law firm that has filed a notice of appearance,
[34:19.600 --> 34:32.600]  or rather a motion, a notice of appearance, and dispute any nexus existing between HFBC,
[34:32.600 --> 34:38.600]  dispute that there's any agency between the law firm and HFBC,
[34:38.600 --> 34:43.600]  and in this particular case, there was a motion for reconsideration that was granted,
[34:43.600 --> 34:51.600]  but the enemy never responded, and start a little bit of agitation going over there.
[34:51.600 --> 34:56.600]  Well, I think the key word you're looking for here is the older and due course.
[34:56.600 --> 34:57.600]  Yes.
[34:57.600 --> 35:00.600]  Well, I didn't want to get too far into some of the technical language,
[35:00.600 --> 35:02.600]  because...
[35:02.600 --> 35:03.600]  Yeah, yeah, yeah.
[35:03.600 --> 35:07.600]  You know, it goes back, buddy, it goes back to I saw you on the grass, you know,
[35:07.600 --> 35:11.600]  you know, 63 there in Dallas, blowing the trigger.
[35:11.600 --> 35:15.600]  You can say whatever you want, but boy, you better be able to prove it.
[35:15.600 --> 35:16.600]  Right.
[35:16.600 --> 35:23.600]  Well, see, my point here is that, you know, most of the calls that you and I have been on
[35:23.600 --> 35:26.600]  and that you've been on have always been, you know, pre-judgment.
[35:26.600 --> 35:27.600]  Right.
[35:27.600 --> 35:33.600]  And what I wanted to get pointed out to people is you can take this action
[35:33.600 --> 35:36.600]  and start something post-judgment.
[35:36.600 --> 35:38.600]  Oh, yeah. Oh, yeah.
[35:38.600 --> 35:41.600]  Because one of the things that has occurred when this attorney or law firm
[35:41.600 --> 35:43.600]  filed a notice of appearance...
[35:43.600 --> 35:44.600]  Yep.
[35:44.600 --> 35:46.600]  Guess what got reset?
[35:46.600 --> 35:50.600]  The appearance date for the local court?
[35:50.600 --> 35:57.600]  Yeah, but not only that, but there is the statute of limitations.
[35:57.600 --> 35:58.600]  Yeah.
[35:58.600 --> 35:59.600]  It should have been reset.
[35:59.600 --> 36:02.600]  Yeah, and see, here's what happens.
[36:02.600 --> 36:06.600]  If you go into that lower court, and this is something else people don't know,
[36:06.600 --> 36:10.600]  if you have a counteraction against them in the federal court,
[36:10.600 --> 36:13.600]  you can plead to the local court to say,
[36:13.600 --> 36:19.600]  Your Honor, I ask this case to be put on suspension because this case has been moved up.
[36:19.600 --> 36:21.600]  The issues have been moved up to the federal court,
[36:21.600 --> 36:26.600]  and we'd like to wait until they adjudicate before we come back down here.
[36:26.600 --> 36:27.600]  Okay.
[36:27.600 --> 36:32.600]  Well, see, you're going to have an opportunity here for two different actions.
[36:32.600 --> 36:33.600]  You have the FCRA...
[36:33.600 --> 36:34.600]  Yep.
[36:34.600 --> 36:36.600] ...between the credit bureaus and the HFBC...
[36:36.600 --> 36:37.600]  Yep.
[36:37.600 --> 36:42.600] ...having nothing whatsoever to do with the FDCBA.
[36:42.600 --> 36:43.600]  Correct.
[36:43.600 --> 36:46.600]  That's kind of on hold.
[36:46.600 --> 36:47.600]  Yep.
[36:47.600 --> 36:52.600]  All right, so when HFBC comes back and reports that they have sold this...
[36:52.600 --> 36:53.600]  Yep.
[36:53.600 --> 36:57.600] ...now you've got perjury...
[36:57.600 --> 36:58.600]  Yeah, it's very possible.
[36:58.600 --> 36:59.600] ...by the attorney...
[36:59.600 --> 37:00.600]  Yes, very possible.
[37:00.600 --> 37:03.600] ...who says he's representing.
[37:03.600 --> 37:04.600]  Yep.
[37:04.600 --> 37:05.600]  You're right.
[37:05.600 --> 37:06.600]  You're right because...
[37:06.600 --> 37:08.600]  Think of it as he says he's representing them and...
[37:08.600 --> 37:09.600]  Oh.
[37:09.600 --> 37:11.600] ...they don't even hold the note or the alleged account.
[37:11.600 --> 37:12.600]  Yeah, yeah, yeah.
[37:12.600 --> 37:13.600]  I agree.
[37:13.600 --> 37:14.600]  Can I interject something here?
[37:14.600 --> 37:15.600]  Yeah.
[37:15.600 --> 37:20.600]  Mike, are you familiar with the Federal Trade Commission holder rule?
[37:20.600 --> 37:21.600]  I am not, sir.
[37:21.600 --> 37:24.600]  You mentioned earlier a holder in due course.
[37:24.600 --> 37:25.600]  Yes.
[37:25.600 --> 37:28.600]  In the matter of a consumer loan...
[37:28.600 --> 37:29.600]  Yep.
[37:29.600 --> 37:32.600] ...there can never be a holder in due course.
[37:32.600 --> 37:33.600]  Uh-huh.
[37:33.600 --> 37:42.600]  The FTC held that lenders were making loans in violation of law and under predatory lending
[37:42.600 --> 37:50.600]  practices, selling those notes to a purchaser, securitizing it and selling it, and then the
[37:50.600 --> 37:52.600]  lender would go out of business.
[37:52.600 --> 37:53.600]  Yep.
[37:53.600 --> 38:00.600]  The person buying the security was a holder in due course, so they had no liability, the
[38:00.600 --> 38:02.600]  borrower was left without remedy.
[38:02.600 --> 38:13.600]  So there is a requirement to be in every consumer note a paragraph warning the purchaser of
[38:13.600 --> 38:20.600]  the security that they stand in the shoes of the lender and are subject to any claims
[38:20.600 --> 38:22.600]  the borrower has against the lender.
[38:22.600 --> 38:23.600]  Okay.
[38:23.600 --> 38:24.600]  That's cool.
[38:24.600 --> 38:25.600]  I love it.
[38:25.600 --> 38:27.600]  He's a real party in interest, not a holder in due course.
[38:27.600 --> 38:28.600]  Yep.
[38:28.600 --> 38:29.600]  Real party of interest.
[38:29.600 --> 38:30.600]  There you go.
[38:30.600 --> 38:31.600]  Right.
[38:31.600 --> 38:32.600]  There you go.
[38:32.600 --> 38:33.600]  Gotcha.
[38:33.600 --> 38:34.600]  Very clear.
[38:34.600 --> 38:40.600]  The whole point of my call was, for the benefit of those people who are sitting in the position
[38:40.600 --> 38:44.600]  of being post-judgment, there is hope.
[38:44.600 --> 38:48.600]  There is action that you can do, and you can foment the action yourself.
[38:48.600 --> 38:49.600]  Yep.
[38:49.600 --> 38:50.600]  Yep.
[38:50.600 --> 38:54.600]  Well, and we've had the cases too, Jeff, so that...
[38:54.600 --> 38:58.600]  And I think I've talked to you about where people have come in and they've had judgments
[38:58.600 --> 39:04.600]  in the lower courts, and then come into federal court under fair credit debt collection, and
[39:04.600 --> 39:10.600]  the first thing they want to try to do to muddy the waters is bring that judgment into
[39:10.600 --> 39:11.600]  the federal courts.
[39:11.600 --> 39:13.600]  They see, we had a judgment on this guy.
[39:13.600 --> 39:14.600]  Yeah.
[39:14.600 --> 39:16.600]  We're not in here for that.
[39:16.600 --> 39:18.600]  We're not in here for that.
[39:18.600 --> 39:19.600]  See?
[39:19.600 --> 39:24.600]  And that's the hardest point you'll have.
[39:24.600 --> 39:31.600]  But my experience has been the judges seem to understand that in the federal court.
[39:31.600 --> 39:32.600]  Yeah.
[39:32.600 --> 39:33.600]  Okay?
[39:33.600 --> 39:37.600]  Because when you file your complaint, you don't bring up about the debt.
[39:37.600 --> 39:40.600]  You don't bring up about the default judgment.
[39:40.600 --> 39:41.600]  Right.
[39:41.600 --> 39:45.600]  You're bringing up about their violations, and then now they come back and they try to
[39:45.600 --> 39:49.600]  bring something into the case that was never part of the complaint.
[39:49.600 --> 39:50.600]  Right.
[39:50.600 --> 39:55.600]  You're going back to the whole thing about the power of the plaintiff.
[39:55.600 --> 39:56.600]  Yep.
[39:56.600 --> 39:57.600]  Exactly.
[39:57.600 --> 39:58.600]  Exactly.
[39:58.600 --> 40:06.600]  There's one other thing that I wanted to point out that comes to play in going to the
[40:06.600 --> 40:08.600]  jury, a judge and jury for judgment.
[40:08.600 --> 40:09.600]  Yep.
[40:09.600 --> 40:14.600]  You remember that court declared that that's a civil rights action, right?
[40:14.600 --> 40:15.600]  Correct.
[40:15.600 --> 40:18.600]  What are the damage limitations on civil rights?
[40:18.600 --> 40:20.600]  Oh.
[40:20.600 --> 40:22.600]  There are none.
[40:22.600 --> 40:23.600]  Yeah.
[40:23.600 --> 40:25.600]  Why are they limited?
[40:25.600 --> 40:31.600]  If you read the law and read in fair credit debt collection, there are paragraphs in there
[40:31.600 --> 40:39.600]  that talk about that the court can impose additional fines and remedies and so on and
[40:39.600 --> 40:43.600]  so forth as the court sees appropriate.
[40:43.600 --> 40:45.600]  So I agree with you 100%.
[40:45.600 --> 40:48.600]  It could escalate.
[40:48.600 --> 40:50.600]  It could very well escalate.
[40:50.600 --> 40:51.600]  Okay.
[40:51.600 --> 40:59.600]  I just want to add some arrows to some people's quiver who may have already given up or are
[40:59.600 --> 41:05.600]  in the throes of giving up so that they know that, oh, I really don't have to give up.
[41:05.600 --> 41:06.600]  There is recourse.
[41:06.600 --> 41:08.600]  I can do something.
[41:08.600 --> 41:09.600]  Absolutely.
[41:09.600 --> 41:10.600]  Absolutely.
[41:10.600 --> 41:15.600]  I had a gentleman today who contacted me.
[41:15.600 --> 41:19.600]  He purchased my course, et cetera, and I mentioned him earlier.
[41:19.600 --> 41:23.600]  He had two judgments in the lower court, and he had a lawyer representing him, and I hit
[41:23.600 --> 41:27.600]  him with some things, and he says, my lawyer never told me this stuff.
[41:27.600 --> 41:29.600]  And he says, I'm really waking up.
[41:29.600 --> 41:33.600]  He says, I'm finding out that I'm just as smart as maybe some of these attorneys.
[41:33.600 --> 41:35.600]  Yeah, well, you know.
[41:35.600 --> 41:41.600]  And I says, but I says, go after them under fair credit debt collection and see what they
[41:41.600 --> 41:42.600]  do.
[41:42.600 --> 41:49.600]  And, you know, drag the debt collector in as the defendant and the creditor as the co-defendant
[41:49.600 --> 41:52.600]  for violations of fair credit and let's see if they want to go there.
[41:52.600 --> 41:56.600]  Yeah, one of the things I don't know, and maybe you can answer the question.
[41:56.600 --> 42:02.600]  Say we start an action with HSBC and the credit bureaus under the FCRA.
[42:02.600 --> 42:03.600]  Yep.
[42:03.600 --> 42:10.600]  And then we discover in the process that HSBC sold the note.
[42:10.600 --> 42:11.600]  Yep.
[42:11.600 --> 42:19.600]  And we want to amend the original complaint in federal court, the original FCRA, to that
[42:19.600 --> 42:28.600]  of an FDCPA and FCRA and bring the law firm or lawyer in under that or just file two separate
[42:28.600 --> 42:29.600]  actions.
[42:29.600 --> 42:30.600]  Well, good point.
[42:30.600 --> 42:31.600]  Good question.
[42:31.600 --> 42:37.600]  Well, first of all, even though HSBC has sold this, why are they in your credit report and
[42:37.600 --> 42:38.600]  what are they doing there?
[42:38.600 --> 42:40.600]  There's no libel, number one.
[42:40.600 --> 42:43.600]  So that gets them on the hook.
[42:43.600 --> 42:48.600]  And you're absolutely right, but here's the problem you're going to run into.
[42:48.600 --> 42:57.600]  From my experience, prior to the defendant responding to the case, okay, to the complaint,
[42:57.600 --> 43:02.600]  you can change your complaint any way you want it.
[43:02.600 --> 43:09.600]  But once they respond, it's got to be both parties have to agree to the change.
[43:09.600 --> 43:14.600]  However, however, you may have the ability to convince the court and then it's up to
[43:14.600 --> 43:17.600]  the judge to change the complaint.
[43:17.600 --> 43:18.600]  Okay.
[43:18.600 --> 43:20.600]  So it's not a loss, okay?
[43:20.600 --> 43:23.600]  And then finally, your answer is correct.
[43:23.600 --> 43:26.600]  Okay, guys, you know, we can't do it this way.
[43:26.600 --> 43:27.600]  No problem.
[43:27.600 --> 43:29.600]  I'll just file a note of lawsuit against it.
[43:29.600 --> 43:30.600]  Right.
[43:30.600 --> 43:31.600]  Right.
[43:31.600 --> 43:32.600]  Works for me.
[43:32.600 --> 43:33.600]  Yep.
[43:33.600 --> 43:38.600]  But, you know, as I said, we're trying to stimulate some hope in people who may have
[43:38.600 --> 43:43.600]  given it up and show them that there are alternative ways in which to do things and they need to
[43:43.600 --> 43:45.600]  start thinking in those terms.
[43:45.600 --> 43:46.600]  Thank you, Jeff.
[43:46.600 --> 43:47.600]  Absolutely.
[43:47.600 --> 43:48.600]  Thank you.
[43:48.600 --> 43:49.600]  Thank you, Jeff.
[43:49.600 --> 43:50.600]  Yep.
[43:50.600 --> 43:53.600]  Jeff Sedgwick, very good friend.
[43:53.600 --> 43:57.600]  We will be right back.
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[45:20.600 --> 45:43.600]  Thank you.
[45:50.600 --> 46:18.600]  Thank you.
[46:18.600 --> 46:40.600]  Thank you.
[46:48.600 --> 47:15.600]  Okay, we are back with Mike Maris and my very best friend Willow.
[47:15.600 --> 47:16.600]  We've got Randy.
[47:16.600 --> 47:17.600]  We've got Eddie.
[47:17.600 --> 47:19.600]  This is a wonderful conversation.
[47:19.600 --> 47:27.600]  And, Mike, I have a question for you following along the lines where Jeff was just talking
[47:27.600 --> 47:28.600]  about.
[47:28.600 --> 47:34.600]  In your experience in federal courts, okay, let me give you an example.
[47:34.600 --> 47:35.600]  Okay.
[47:35.600 --> 47:45.600]  Say someone or a group of human entities not necessarily commercial file a lawsuit against
[47:45.600 --> 47:54.600]  alleged agents who alleged to represent a federal agency, but the lawsuit is actually
[47:54.600 --> 47:56.600]  against them personally.
[47:56.600 --> 48:06.600]  Now, according to Texas statute, they have 20 days after, they have the Monday after
[48:06.600 --> 48:09.600]  the 20th day to answer the suit.
[48:09.600 --> 48:19.600]  Now, the suit was not answered, however, this alleged agent of a federal agency brings the
[48:19.600 --> 48:26.600]  U.S. attorney into the picture and the U.S. attorney files for removal of the case to
[48:26.600 --> 48:36.600]  federal court on the very last day of that the defendant would have to answer the lawsuit.
[48:36.600 --> 48:43.600]  Now, does a removal to federal court count as an answer to the lawsuit or not?
[48:43.600 --> 48:45.600]  I believe it does.
[48:45.600 --> 48:47.600]  The law is pretty clear.
[48:47.600 --> 48:53.600]  It says you have to respond to the complaint within 20 days and it's different in each
[48:53.600 --> 48:58.600]  district, but generally they don't count Saturdays or Sundays or holidays.
[48:58.600 --> 49:04.600]  It's when the court is open and they don't count generally the first day of service.
[49:04.600 --> 49:07.600]  So the first day they're served, you can't count.
[49:07.600 --> 49:11.600]  So the 20th day, the 20 days starts the next day.
[49:11.600 --> 49:17.600]  But I think as long as they respond in that time, they're okay.
[49:17.600 --> 49:21.600]  But you have to realize that when you're a plaintiff in one of those cases, you can come
[49:21.600 --> 49:24.600]  back and dispute the response.
[49:24.600 --> 49:26.600]  That's exactly what we're doing.
[49:26.600 --> 49:27.600]  Exactly.
[49:27.600 --> 49:30.600]  And that's perfectly acceptable.
[49:30.600 --> 49:35.600]  I've had them do that at times and then one of the standard responses they come back in
[49:35.600 --> 49:40.600]  these civil actions under fair credit debt collection is the plaintiff fails to state
[49:40.600 --> 49:42.600]  a claim upon which relief can be granted.
[49:42.600 --> 49:48.600]  That is the most standard answer to about every complaint I've ever seen.
[49:48.600 --> 49:54.600]  And my complaints are laid out because now what I do when I file these complaints, I
[49:54.600 --> 49:59.600]  put in a statement upon which relief can be granted.
[49:59.600 --> 50:03.600]  I tell them this is what it needs to make everything go away.
[50:03.600 --> 50:04.600]  Okay?
[50:04.600 --> 50:14.600]  And what we did was we maintained that there was no matter in controversy as a defendant
[50:14.600 --> 50:21.600]  failed to object to any assertions or allegations made.
[50:21.600 --> 50:22.600]  Right, right.
[50:22.600 --> 50:23.600]  Exactly.
[50:23.600 --> 50:29.600]  And that will happen sometimes in these cases where they totally ignore the allegations
[50:29.600 --> 50:32.600]  and they don't deny, deny, deny, deny.
[50:32.600 --> 50:37.600]  And I brought that back in the case and said I find it very interesting that they say I
[50:37.600 --> 50:43.600]  failed to state a claim upon which relief can be granted, but they didn't bother to
[50:43.600 --> 50:46.600]  deny any of the claims.
[50:46.600 --> 50:48.600]  And I shot that into the court.
[50:48.600 --> 50:53.600]  And subsequently, I'm telling you on these federal cases with fair credit, they were
[50:53.600 --> 50:55.600]  very seldom that they get kicked out.
[50:55.600 --> 50:57.600]  I've never had one kicked out because of that.
[50:57.600 --> 51:02.600]  I've been in situations where I didn't even bother to answer it and the judge just
[51:02.600 --> 51:03.600]  moves it ahead.
[51:03.600 --> 51:07.600]  We're going to have a conference or we're going to move the 26th out.
[51:07.600 --> 51:14.600]  Well, Tom Kiley had a suit where the guys who filed the suit didn't have a prayer.
[51:14.600 --> 51:15.600]  Oh, boy.
[51:15.600 --> 51:17.600]  Literally, they didn't have a prayer.
[51:17.600 --> 51:21.600]  Well, they didn't ask for anything.
[51:21.600 --> 51:23.600]  Yep, yep, yep, yep, yep.
[51:23.600 --> 51:31.600]  So, I mean, I find from my experience in the federal court that it's been very open.
[51:31.600 --> 51:33.600]  I've never been threatened.
[51:33.600 --> 51:35.600]  I've never been told not to come back.
[51:35.600 --> 51:40.600]  I've never been told from the judge it's a frivolous lawsuit or anything like that.
[51:40.600 --> 51:48.600]  However, my buddy who just had his case up and here's a guy, it's the same situation
[51:48.600 --> 51:49.600]  I was talking about.
[51:49.600 --> 51:51.600]  I've never met this guy.
[51:51.600 --> 51:52.600]  I've known him for three or four years.
[51:52.600 --> 51:54.600]  He just beat a big bank.
[51:54.600 --> 51:56.600]  They settled with him.
[51:56.600 --> 52:00.600]  They sent him an email with what they were going to do and they were going to give him
[52:00.600 --> 52:02.600]  this X amount of money to go away.
[52:02.600 --> 52:09.600]  And because the lawyer was very, very arrogant, he did some things he shouldn't have done.
[52:09.600 --> 52:24.600]  My buddy filed a bar complaint and he responded back that Mr. So-and-so files nuisance lawsuits.
[52:24.600 --> 52:29.600]  And I said, yeah, I bet you it was a nuisance having to carry that check to the bank,
[52:29.600 --> 52:30.600]  wasn't it?
[52:30.600 --> 52:33.600]  Oh, my goodness.
[52:33.600 --> 52:41.600]  So I kind of get a chalkboard, so when you file your nuisance lawsuit and you become a nuisance,
[52:41.600 --> 52:43.600]  welcome to the club, folks.
[52:43.600 --> 52:44.600]  You're not alone.
[52:44.600 --> 52:48.600]  Well, that's the kind of nuisance I'd like to be.
[52:48.600 --> 52:49.600]  Yeah, right.
[52:49.600 --> 52:53.600]  Okay, listen, we've got some other calls on the line.
[52:53.600 --> 53:00.600]  We've got Justin and Jim and I just want to make one other quick comment concerning my justification
[53:00.600 --> 53:05.600]  of using collectivist statutes to go after these banksters.
[53:05.600 --> 53:08.600]  Randy had a very good comment on the break.
[53:08.600 --> 53:10.600]  He said the law is the law.
[53:10.600 --> 53:12.600]  We should use the laws.
[53:12.600 --> 53:15.600]  They have been put before us.
[53:15.600 --> 53:20.600]  And if we don't agree with them, then we need to petition to repeal them.
[53:20.600 --> 53:24.600]  In the meantime, all's fair in love and war.
[53:24.600 --> 53:26.600]  We're going to Justin in Texas.
[53:26.600 --> 53:32.600]  Wait a minute, my comment was we should respect the law as it stands.
[53:32.600 --> 53:33.600]  Okay, respect the law.
[53:33.600 --> 53:34.600]  Change it if we don't like it.
[53:34.600 --> 53:35.600]  Yes.
[53:35.600 --> 53:37.600]  But in the meantime, respect it.
[53:37.600 --> 53:39.600]  In the meantime, all is fair in love and war.
[53:39.600 --> 53:41.600]  We're going to Justin in Texas.
[53:41.600 --> 53:43.600]  Justin, what's on your mind?
[53:43.600 --> 53:44.600]  Hello?
[53:44.600 --> 53:45.600]  Yes.
[53:45.600 --> 53:47.600]  I had a question about discovery.
[53:47.600 --> 53:50.600]  I'm trying to get the bank to supply me with some information,
[53:50.600 --> 53:56.600]  and I disputed a debt and asked them to supply me with some information,
[53:56.600 --> 54:00.600]  and they gave me pretty much a bank statement as a little song and dance.
[54:00.600 --> 54:06.600]  So I was looking, and for like pretrial without a lawsuit,
[54:06.600 --> 54:09.600]  I was reading that you can do a request for disclosure.
[54:09.600 --> 54:11.600]  202.
[54:11.600 --> 54:20.600]  In Texas, it's Rule Civil Procedure 202, discovery to preserve evidence,
[54:20.600 --> 54:22.600]  pre-litigation discovery.
[54:22.600 --> 54:25.600]  It's not like a deposition document.
[54:25.600 --> 54:28.600]  That's what it sounded like.
[54:28.600 --> 54:34.600]  If this is a consumer transaction, you have Regulation Z as well.
[54:34.600 --> 54:37.600]  Okay, Regulation Z.
[54:37.600 --> 54:42.600]  I'm really glad all of this is on the history of the radio station on the Internet
[54:42.600 --> 54:46.600]  so you can go up and find exact numbers later on.
[54:46.600 --> 54:48.600]  Okay.
[54:48.600 --> 54:54.600]  You pretty much have to write a judge, and he can compel the bank.
[54:54.600 --> 54:57.600]  No, you just send it to them.
[54:57.600 --> 54:59.600]  You send it right to them.
[54:59.600 --> 55:05.600]  And if they don't respond to it, then you go to the judge and ask the judge to compel.
[55:05.600 --> 55:09.600]  I was looking at something that, like, because they can come back to you
[55:09.600 --> 55:16.600]  for attorney's fees and stuff like that if you serve them with documents.
[55:16.600 --> 55:18.600]  Okay.
[55:18.600 --> 55:24.600]  This is a consumer loan and not a commercial loan.
[55:24.600 --> 55:28.600]  Then you have Regulation Z.
[55:28.600 --> 55:35.600]  It was at 24 CFR 3500.
[55:35.600 --> 55:36.600]  Okay.
[55:36.600 --> 55:40.600]  And another 12 CFR 226.
[55:40.600 --> 55:42.600]  I'm sorry, that's Regulation Z.
[55:42.600 --> 55:47.600]  And it covers open-ended and closed-ended debt, consumer notes,
[55:47.600 --> 55:50.600]  and it tells you what they're supposed to produce.
[55:50.600 --> 55:55.600]  And most anything you would want to see, they're required under Regulation Z to produce it.
[55:55.600 --> 55:57.600]  Right.
[55:57.600 --> 56:04.600]  And using Mike Mears' method, every one they don't, in this case I get 2000.
[56:04.600 --> 56:06.600]  And here's the thing, man.
[56:06.600 --> 56:11.600]  When they sent you, you sent them a dispute letter, correct?
[56:11.600 --> 56:12.600]  Yes, sir.
[56:12.600 --> 56:13.600]  Okay.
[56:13.600 --> 56:17.600]  Learn not to give them a lot of information and that stuff.
[56:17.600 --> 56:20.600]  Okay, don't give them account numbers, don't give them your Social Security number.
[56:20.600 --> 56:24.600]  Just send them, here's my address.
[56:24.600 --> 56:27.600]  Dispute the item in my credit report.
[56:27.600 --> 56:29.600]  That's it, okay?
[56:29.600 --> 56:33.600]  The burden of proof is on them because they're making an accusation.
[56:33.600 --> 56:37.600]  They're in your credit report and they're accusing you of owing money.
[56:37.600 --> 56:40.600]  They're accusing you of defaulting on the debt.
[56:40.600 --> 56:42.600]  They're accusing you of being late, whatever.
[56:42.600 --> 56:47.600]  The burden of proof is upon the accuser in this country the last time I checked.
[56:47.600 --> 56:48.600]  Okay?
[56:48.600 --> 56:52.600]  So you're disputing this with them and now they sent you this document.
[56:52.600 --> 56:57.600]  And you've got to become the proverbial SOB, okay?
[56:57.600 --> 57:02.600]  So I'm going to ask you a couple of questions, and they're not personal or anything like that,
[57:02.600 --> 57:05.600]  about the document they sent that, that they sent to you.
[57:05.600 --> 57:10.600]  Did they send that to you as certified mail and you signed for it?
[57:10.600 --> 57:11.600]  No.
[57:11.600 --> 57:15.600]  Oh, well then they must have sent it FedEx on you signed for it.
[57:15.600 --> 57:18.600]  Yeah, it was just some printed checks.
[57:18.600 --> 57:21.600]  So you didn't sign for anything?
[57:21.600 --> 57:23.600]  No, I didn't sign for anything.
[57:23.600 --> 57:25.600]  So I'm going to ask you one simple question.
[57:25.600 --> 57:27.600]  What did they send you?
[57:27.600 --> 57:29.600]  They sent me some statements.
[57:29.600 --> 57:30.600]  They sent you nothing.
[57:30.600 --> 57:33.600]  They sent you nothing because they can't prove they sent you anything.
[57:33.600 --> 57:37.600]  I think I'm right, but I'm not sure and I don't want to get in trouble for it.
[57:37.600 --> 57:40.600]  What I did was I post-dated the check the next day,
[57:40.600 --> 57:45.600]  and then 10 o'clock the day before I put it in the night deposit box, the money.
[57:45.600 --> 57:49.600]  And then they honored the check, and I was spending money for two weeks,
[57:49.600 --> 57:51.600]  and then they come back two weeks later.
[57:51.600 --> 57:57.600]  What they sent me was the thing that said it was a statement reconstruction.
[57:57.600 --> 58:02.600]  So now they come back with like 23 charges.
[58:02.600 --> 58:06.600]  Yeah, well what you want to do is go look at some case laws.
[58:06.600 --> 58:11.600]  The one I'll tell you to go look at is Spears v. Brennan out of Indiana,
[58:11.600 --> 58:13.600]  the appeals court of Indiana.
[58:13.600 --> 58:21.600]  There's a very good explanation in there as to how you must justify an account.
[58:21.600 --> 58:22.600]  Okay.
[58:22.600 --> 58:23.600]  Okay?
[58:23.600 --> 58:27.600]  Spears v. Brennan out of the appeals court of the state of Indiana.
[58:27.600 --> 58:29.600]  All right.
[58:29.600 --> 58:30.600]  Okay?
[58:30.600 --> 58:31.600]  Email me asking for it.
[58:31.600 --> 58:33.600]  I'll send it to you.
[58:33.600 --> 58:35.600]  I guarantee you they didn't do what's in there.
[58:35.600 --> 58:40.600]  Justin, did you get your question answered?
[58:40.600 --> 58:41.600]  Yes.
[58:41.600 --> 58:46.600]  If you need to stay on the line, you're welcome to stay until the other side.
[58:46.600 --> 58:47.600]  Okay, thank you.
[58:47.600 --> 58:49.600]  And we have Jim from Ohio,
[58:49.600 --> 58:54.600]  and also Steve Skidmore is calling in from English Fraud Detection.
[58:54.600 --> 58:56.600]  Oh, no.
[58:56.600 --> 58:58.600]  Oh, he's my call screener.
[58:58.600 --> 58:59.600]  Wait.
[58:59.600 --> 59:03.600]  Our right to bear arms is under attack here in Austin.
[59:03.600 --> 59:06.600]  Police Chief Acevedo and his goons need to know
[59:06.600 --> 59:11.600]  we will not allow them to strong arm private businesses, gun show promoters
[59:11.600 --> 59:16.600]  and vendors, run corrupt sting operations to intimidate legal gun sellers,
[59:16.600 --> 59:20.600]  and cut off public access to purchasing firearms in Austin.
[59:20.600 --> 59:23.600]  City Council needs to hold him accountable.
[59:23.600 --> 59:24.600]  This is it, people.
[59:24.600 --> 59:29.600]  It is starting, and we the people are the only ones who are going to do anything about it.
[59:29.600 --> 59:32.600]  If you don't live in Austin and don't help us, stop this here.
[59:32.600 --> 59:35.600]  Believe it when we say it's coming to a Texas city near you.
[59:35.600 --> 59:41.600]  Monday, January 25th, from 5 to 7 p.m. in front of the Austin Police Department,
[59:41.600 --> 59:44.600]  show up, 715 East 8th Street.
[59:44.600 --> 59:47.600]  Come early, park down the street, and walk.
[59:47.600 --> 59:49.600]  Wear your gun holsters on your hip and shoulder,
[59:49.600 --> 59:53.600]  but instead of a weapon, put the Constitution in it.
[59:53.600 --> 59:55.600]  Bring your friends, your voice, and your sign.
[59:55.600 --> 59:59.600]  City Council needs to hold him accountable.
[59:59.600 --> 01:00:04.600]  This news brief brought to you by the International News Network.
[01:00:04.600 --> 01:00:08.600]  Defense Secretary Robert Gates said Friday the U.S. recognizes the Taliban
[01:00:08.600 --> 01:00:11.600]  is part of Afghanistan's political fabric,
[01:00:11.600 --> 01:00:14.600]  but must be prepared to play a legitimate role
[01:00:14.600 --> 01:00:17.600]  before they can reconcile with the Afghan government.
[01:00:17.600 --> 01:00:20.600]  That means the Taliban must participate in elections,
[01:00:20.600 --> 01:00:25.600]  not oppose education, and not assassinate local officials.
[01:00:25.600 --> 01:00:29.600]  Barack Obama expanded his new offensive on Wall Street,
[01:00:29.600 --> 01:00:33.600]  proposing rules that would impede the growth of the largest banks
[01:00:33.600 --> 01:00:36.600]  and bar them from making reckless investments.
[01:00:36.600 --> 01:00:41.600]  Obama chastised the CEOs of the nation's largest financial firms
[01:00:41.600 --> 01:00:46.600]  for sending an army of industry lobbyists to fight banking sector reform.
[01:00:46.600 --> 01:00:50.600]  The head of a new elite terrorism interrogation program said Thursday
[01:00:50.600 --> 01:00:53.600]  it will take several more months to establish teams
[01:00:53.600 --> 01:00:56.600]  that could question high-profile suspects.
[01:00:56.600 --> 01:01:00.600]  The high-value detainee interrogation group will be largely drawn
[01:01:00.600 --> 01:01:06.600]  from the ranks of the FBI, the CIA, and the Pentagon.
[01:01:06.600 --> 01:01:09.600]  Representative Dennis Kucinich said Wednesday
[01:01:09.600 --> 01:01:12.600]  the Massachusetts election was a wake-up call for Democrats
[01:01:12.600 --> 01:01:15.600]  and that his party had better change course
[01:01:15.600 --> 01:01:18.600]  or it would suffer devastating losses come November.
[01:01:18.600 --> 01:01:21.600]  Kucinich went on, the economic problems, at least we forget,
[01:01:21.600 --> 01:01:24.600]  did not start with Barack Obama.
[01:01:24.600 --> 01:01:27.600]  It was George Bush who drove the economy over the cliff.
[01:01:27.600 --> 01:01:31.600]  With a trillion-dollar tax cut for the rich, a war based on lies,
[01:01:31.600 --> 01:01:34.600]  and an expanding trade deficit, Kucinich added,
[01:01:34.600 --> 01:01:38.600]  we can't turn the economy around by playing patty cake with Wall Street,
[01:01:38.600 --> 01:01:40.600]  by caving into the demands of big banks,
[01:01:40.600 --> 01:01:42.600]  by playing footsie with the insurance companies,
[01:01:42.600 --> 01:01:46.600]  and by jumping in bed with the pharmaceutical industry.
[01:01:46.600 --> 01:01:49.600]  The Ohio Democrat noted, we have a really deep recession
[01:01:49.600 --> 01:01:53.600]  and the only way to bring it back up is to have a massive jobs program,
[01:01:53.600 --> 01:01:59.600]  adding, I don't see any evidence Obama's economic team is standing behind that.
[01:01:59.600 --> 01:02:05.600]  A former IBM employee says a switch from analog to digital TV
[01:02:05.600 --> 01:02:08.600]  is being done to free up analog frequencies
[01:02:08.600 --> 01:02:12.600]  and make room for scanners to use readable implantable microchips
[01:02:12.600 --> 01:02:14.600]  to track people and products.
[01:02:14.600 --> 01:02:20.600]  Patrick Redmond, who worked at the Toronto Lab from 1992 to 2007,
[01:02:20.600 --> 01:02:23.600]  said Americans have been inundated with news reports
[01:02:23.600 --> 01:02:27.600]  advising them to get their passports, enhance driver's license,
[01:02:27.600 --> 01:02:31.600]  passport cards, and other chip and trackable ID devices.
[01:02:31.600 --> 01:02:36.600]  But he said the connection between digital TV and radio frequency ID technology
[01:02:36.600 --> 01:02:38.600]  has been hidden.
[01:02:38.600 --> 01:02:42.600]  Redmond has written a book and gives talks on the growing use of RFID chips
[01:02:42.600 --> 01:02:46.600]  implanted in new clothing, in items such as Gillette fusion blades,
[01:02:46.600 --> 01:02:48.600]  and in countless other products.
[01:02:48.600 --> 01:02:51.600]  These chips, many smaller than a pencil tip,
[01:02:51.600 --> 01:02:55.600]  also are embedded in new U.S. passports, some medical cards,
[01:02:55.600 --> 01:02:57.600]  and credit and debit cards.
[01:02:57.600 --> 01:03:00.600]  More than two billion of them were sold.
[01:03:00.600 --> 01:03:06.600]  You are listening to the Rule of Law Radio Network at ruleoflawradio.com,
[01:03:06.600 --> 01:03:19.600]  live free speech talk radio at its best.
[01:03:19.600 --> 01:03:47.600]  I will lie by my father's side until he returns.
[01:03:47.600 --> 01:04:08.600]  I will lie by my father's side until he returns.
[01:04:08.600 --> 01:04:09.600]  Can you hear me?
[01:04:09.600 --> 01:04:11.600]  Yes, we are back on the air.
[01:04:11.600 --> 01:04:12.600]  What's up, Willow?
[01:04:12.600 --> 01:04:17.600]  I think you were talking about the admission of federal bar or else the statement
[01:04:17.600 --> 01:04:18.600]  of how it releases things.
[01:04:18.600 --> 01:04:20.600]  Yes, thank you, Willow.
[01:04:20.600 --> 01:04:23.600]  That's exactly what it was.
[01:04:23.600 --> 01:04:24.600]  Okay, cool.
[01:04:24.600 --> 01:04:28.600]  Justin, just hang on to your other question.
[01:04:28.600 --> 01:04:29.600]  Thank you, Willow.
[01:04:29.600 --> 01:04:31.600]  That's exactly what we were going to.
[01:04:31.600 --> 01:04:32.600]  Go ahead, Mike.
[01:04:32.600 --> 01:04:38.600]  Yeah, what that was about was when you go into one of these cases in federal court,
[01:04:38.600 --> 01:04:44.600]  the defendants, the bank, the lender, whoever you're with, the debt collector,
[01:04:44.600 --> 01:04:46.600]  they're going to hire an attorney.
[01:04:46.600 --> 01:04:49.600]  This is where it becomes very, very costly, especially when they're out of state.
[01:04:49.600 --> 01:04:51.600]  They're going to hire an attorney.
[01:04:51.600 --> 01:04:55.600]  I'm kind of anal when it comes to this stuff.
[01:04:55.600 --> 01:04:57.600]  I like to dig into everything.
[01:04:57.600 --> 01:04:59.600]  I like to know my enemy.
[01:04:59.600 --> 01:05:04.600]  One of the things I do is I will go to PACER,
[01:05:04.600 --> 01:05:08.600]  which is the government website where the federal cases are,
[01:05:08.600 --> 01:05:13.600]  and I will put that lawyer's name into PACER and see if it comes up.
[01:05:13.600 --> 01:05:17.600]  And if it doesn't come up somewhere in the federal bar system,
[01:05:17.600 --> 01:05:19.600]  that's telling me that this person, number one,
[01:05:19.600 --> 01:05:24.600]  has either never been in the federal court system as an attorney,
[01:05:24.600 --> 01:05:28.600]  or two, he or she is not admitted to the bar.
[01:05:28.600 --> 01:05:33.600]  Just because you're a lawyer does not mean you can go into federal court.
[01:05:33.600 --> 01:05:35.600]  You have to be admitted to the bar.
[01:05:35.600 --> 01:05:42.600]  Now, it's not a big process, but make them follow the rules, okay?
[01:05:42.600 --> 01:05:45.600]  The point is to be admitted to the federal bar.
[01:05:45.600 --> 01:05:50.600]  If you're an attorney, you have to be in good standing in the state that you're in,
[01:05:50.600 --> 01:05:54.600]  be able to produce your bar code license,
[01:05:54.600 --> 01:05:57.600]  and then you make an application to the federal court,
[01:05:57.600 --> 01:06:00.600]  and you give them – it used to be $150.
[01:06:00.600 --> 01:06:01.600]  I still think it is.
[01:06:01.600 --> 01:06:03.600]  It might be more.
[01:06:03.600 --> 01:06:06.600]  You pay $150, and now you're admitted to the federal bar.
[01:06:06.600 --> 01:06:12.600]  So that's all the qualifications you must have to be admitted to the federal bar, okay?
[01:06:12.600 --> 01:06:17.600]  But the point is, if they're not, you can make a big stake about it in the corner.
[01:06:17.600 --> 01:06:19.600]  And, of course, I can pretty much tell you what's going to happen.
[01:06:19.600 --> 01:06:25.600]  This guy is going to go, okay, I'll go register, but make them follow the rules.
[01:06:25.600 --> 01:06:28.600]  It's that simple.
[01:06:28.600 --> 01:06:30.600]  That's all I had on that, Deb.
[01:06:30.600 --> 01:06:31.600]  I love that.
[01:06:31.600 --> 01:06:32.600]  I love that, Mike.
[01:06:32.600 --> 01:06:33.600]  Make them follow the rules.
[01:06:33.600 --> 01:06:37.600]  I mean, there's so many ways that we can bust these rogues,
[01:06:37.600 --> 01:06:42.600]  whether it's admission or whether, you know, making them prove up,
[01:06:42.600 --> 01:06:45.600]  whether they represent these creditors or not.
[01:06:45.600 --> 01:06:47.600]  I mean, there's just so many ways.
[01:06:47.600 --> 01:06:48.600]  So many ways.
[01:06:48.600 --> 01:06:50.600]  Make them follow the rules.
[01:06:50.600 --> 01:06:54.600]  And I love the fact that there is a proven track record.
[01:06:54.600 --> 01:06:58.600]  There is a proven history that when push comes to shove,
[01:06:58.600 --> 01:07:02.600]  the judges really will follow the law.
[01:07:02.600 --> 01:07:04.600]  And that's what this show is all about.
[01:07:04.600 --> 01:07:07.600]  That's what our mission is all about, okay?
[01:07:07.600 --> 01:07:10.600]  It's about following the law, and we can make them do it.
[01:07:10.600 --> 01:07:12.600]  All right, we're going back to Justin in Texas.
[01:07:12.600 --> 01:07:13.600]  Go ahead, Justin.
[01:07:13.600 --> 01:07:16.600]  I think you pretty much answered all my questions.
[01:07:16.600 --> 01:07:20.600]  I just wanted to say that my dad got me hooked on your show,
[01:07:20.600 --> 01:07:23.600]  and Deborah loves the reggae.
[01:07:23.600 --> 01:07:27.600]  I'm a big reggae fan.
[01:07:27.600 --> 01:07:29.600]  Well, I do too.
[01:07:29.600 --> 01:07:31.600]  It's the bass lines that hooked me.
[01:07:31.600 --> 01:07:33.600]  Yeah, me too.
[01:07:33.600 --> 01:07:38.600]  Some of these old guys might not like it, but they're good, positive music.
[01:07:38.600 --> 01:07:39.600]  Thank you.
[01:07:39.600 --> 01:07:41.600]  I'm going to look into it more.
[01:07:41.600 --> 01:07:46.600]  I was disappointed to find that a signature card is a binding contract in Texas.
[01:07:46.600 --> 01:07:49.600]  I was kind of disappointed in the legislature.
[01:07:49.600 --> 01:07:51.600]  Yeah.
[01:07:51.600 --> 01:07:52.600]  Well, wait a minute.
[01:07:52.600 --> 01:07:55.600]  If you're in the sign your name on anything, I mean,
[01:07:55.600 --> 01:08:00.600]  this common sense should tell you that you're entering into a binding contract.
[01:08:00.600 --> 01:08:02.600]  Yeah, but there's one problem with that signature card.
[01:08:02.600 --> 01:08:04.600]  Doesn't it have to be a bilateral contract?
[01:08:04.600 --> 01:08:06.600]  There's one big problem.
[01:08:06.600 --> 01:08:09.600]  The signature card contains a lot of undisclosed statements,
[01:08:09.600 --> 01:08:12.600]  and it tells you that right on the back,
[01:08:12.600 --> 01:08:16.600]  that you're agreeing to things that have not been given to you.
[01:08:16.600 --> 01:08:22.600]  So even though it's a binding contract, it is a contract fraught with nondisclosure.
[01:08:22.600 --> 01:08:23.600]  Right.
[01:08:23.600 --> 01:08:25.600]  And all banks do it.
[01:08:25.600 --> 01:08:31.600]  There's some term that's used for either this or none.
[01:08:31.600 --> 01:08:32.600]  I forgot what that was.
[01:08:32.600 --> 01:08:36.600]  It's the old law, 1800s word.
[01:08:36.600 --> 01:08:37.600]  Well, there's a shorter word.
[01:08:37.600 --> 01:08:39.600]  It's called fraud.
[01:08:39.600 --> 01:08:44.600]  Well, if it's a contract without consideration, then it can be annulled.
[01:08:44.600 --> 01:08:47.600]  Well, you know, I'll expand on that a little bit.
[01:08:47.600 --> 01:08:50.600]  And again, this would be for another show.
[01:08:50.600 --> 01:08:54.600]  But, you know, here's what you're saying, and I understand what you're saying.
[01:08:54.600 --> 01:08:58.600]  You know, we go in and buy something with a credit card, okay?
[01:08:58.600 --> 01:09:00.600]  And you give your credit card to the clerk
[01:09:00.600 --> 01:09:05.600]  and outbox this little piece of paper, and you sign it.
[01:09:05.600 --> 01:09:09.600]  And then you can walk out of the store with what you just purchased.
[01:09:09.600 --> 01:09:13.600]  However, I never saw any money go across the table, did you?
[01:09:13.600 --> 01:09:14.600]  No.
[01:09:14.600 --> 01:09:15.600]  I've never seen any money.
[01:09:15.600 --> 01:09:17.600]  So where the hell is the money?
[01:09:17.600 --> 01:09:20.600]  It's in your language, okay?
[01:09:20.600 --> 01:09:22.600]  That's because you're the money.
[01:09:22.600 --> 01:09:28.600]  That note that you sign, they take that note to the Fed Reserve,
[01:09:28.600 --> 01:09:30.600]  wherever the heck the bank gets their money,
[01:09:30.600 --> 01:09:33.600]  and say, see, this guy, we got the money, okay?
[01:09:33.600 --> 01:09:34.600]  So there is no money.
[01:09:34.600 --> 01:09:37.600]  You're the money.
[01:09:37.600 --> 01:09:38.600]  Right.
[01:09:38.600 --> 01:09:39.600]  Well, I won't go any further.
[01:09:39.600 --> 01:09:41.600]  That's for another show.
[01:09:41.600 --> 01:09:42.600]  Well, thank you very much.
[01:09:42.600 --> 01:09:43.600]  All right.
[01:09:43.600 --> 01:09:44.600]  Thank you, Justin.
[01:09:44.600 --> 01:09:48.600]  Okay, we're going now to Jim in Ohio who's been holding for a very long time.
[01:09:48.600 --> 01:09:50.600]  Jim, thank you.
[01:09:50.600 --> 01:09:51.600]  What is on your mind tonight?
[01:09:51.600 --> 01:09:56.600]  What's your question for Mike, Willow, Randy, Eddie, and myself?
[01:09:56.600 --> 01:09:57.600]  Well, good evening to everyone.
[01:09:57.600 --> 01:10:02.600]  I called once before when Mike was on and asked a couple of questions.
[01:10:02.600 --> 01:10:06.600]  My judgment was granted.
[01:10:06.600 --> 01:10:18.600]  And I'm not going to be able to afford to get the resources to be able to go through this step-by-step.
[01:10:18.600 --> 01:10:24.600]  I'm going to have to try to piece it together with all that's being said from place to place on the airwaves
[01:10:24.600 --> 01:10:26.600]  and see if I can get the thing started.
[01:10:26.600 --> 01:10:32.600]  I mean, I had no disposable income before they started to garnish me to the tune of about $350 a month.
[01:10:32.600 --> 01:10:41.600]  And that's really put me in the out of the loop as far as being able to do anything.
[01:10:41.600 --> 01:10:50.600]  But my original debt instrument was HBSC, and Midland Funding got it.
[01:10:50.600 --> 01:10:55.600]  Now, was that sold as a debt instrument to them or are they a third-party creditor?
[01:10:55.600 --> 01:11:00.600]  Midland Funding, if I'm not mistaken, is a debt collector.
[01:11:00.600 --> 01:11:02.600]  Okay, I thought they were.
[01:11:02.600 --> 01:11:09.600]  The way their name reads, you wonder whether it's somebody that the debt while it was in play was sold to.
[01:11:09.600 --> 01:11:14.600]  Yeah, and again, this is something I think you can query on the net and dig around a little bit.
[01:11:14.600 --> 01:11:20.600]  You should be able to get a website for them, and they are all very proud to tell you what they do.
[01:11:20.600 --> 01:11:27.600]  And they just got into this one, you know, you can go in there and look around,
[01:11:27.600 --> 01:11:30.600]  and they'll admit they're a debt collector, I'm very sure.
[01:11:30.600 --> 01:11:32.600]  Yeah, I don't have to do that.
[01:11:32.600 --> 01:11:34.600]  I'm just short-cutting with you this evening.
[01:11:34.600 --> 01:11:39.600]  So they got a lawyer in Ohio where I am, and the lawyer came after me for the judgment.
[01:11:39.600 --> 01:11:46.600]  Now, when I send a dispute, do I send it to the offices of the attorney or do I send it to California to Midland?
[01:11:46.600 --> 01:11:51.600]  Either way, okay, but I copy them both to tell you the truth.
[01:11:51.600 --> 01:11:56.600]  But the point is, if you send it to the lawyer, he is supposed to send that to his client,
[01:11:56.600 --> 01:12:02.600]  so I don't trust those guys, but I would send it to both, just the CYA yourself.
[01:12:02.600 --> 01:12:05.600]  That's the way I figured that it should be done.
[01:12:05.600 --> 01:12:13.600]  Do I send my letter saying at that point that this is a notice of pending lawsuit?
[01:12:13.600 --> 01:12:18.600]  No, I would give them – you're not giving them anything,
[01:12:18.600 --> 01:12:26.600]  but you have to do the validation letter to them first, ask them to validate this way, okay?
[01:12:26.600 --> 01:12:34.600]  And they may come back and just send you a copy of the judgment, okay?
[01:12:34.600 --> 01:12:37.600]  But the point is, there's other ways of getting around this,
[01:12:37.600 --> 01:12:42.600]  and what I would do is I would send the validation letter to the lawyer,
[01:12:42.600 --> 01:12:48.600]  I would send a dispute letter to HSBC, and then when they don't mark your account in dispute,
[01:12:48.600 --> 01:12:54.600]  they fail to do that stuff, they don't respond to you,
[01:12:54.600 --> 01:12:58.600]  they're reporting erroneous and inaccurate information, they fail to mark the account in dispute,
[01:12:58.600 --> 01:13:02.600]  there's $2,000 under fair credit there across three bureaus,
[01:13:02.600 --> 01:13:05.600]  if they're reporting it in three credit reports, there's $6,000.
[01:13:05.600 --> 01:13:10.600]  You wrap the whole package up, the debt collector doesn't validate,
[01:13:10.600 --> 01:13:15.600]  doesn't prove you owe the debt, he's calling you, sending you letters, whatever,
[01:13:15.600 --> 01:13:24.600]  go after him under Debt Collection Practices Act, name him as the defendant and HSBC as the co-defendant,
[01:13:24.600 --> 01:13:28.600]  take them in and let the court sort out all the violations.
[01:13:28.600 --> 01:13:38.600]  So validation directly to Midland through the lawyer or to each of them and the dispute to HBSC?
[01:13:38.600 --> 01:13:45.600]  The dispute to HSBC, the lender does not have to validate anything,
[01:13:45.600 --> 01:13:50.600]  all they've got to do is come back and say, hey, you have this credit card and here's the number, okay,
[01:13:50.600 --> 01:13:53.600]  they don't have to prove to you that you had a loan,
[01:13:53.600 --> 01:13:58.600]  but the debt collectors have to prove the debt, that's the difference,
[01:13:58.600 --> 01:14:05.600]  so you're going to validate with the debt collectors, the attorneys, the debt collectors, whatever they are,
[01:14:05.600 --> 01:14:08.600]  you're going to dispute with the creditor.
[01:14:08.600 --> 01:14:09.600]  Okay.
[01:14:09.600 --> 01:14:10.600]  Okay.
[01:14:10.600 --> 01:14:12.600]  Okay.
[01:14:12.600 --> 01:14:14.600]  Well, that will get the ball rolling.
[01:14:14.600 --> 01:14:16.600]  Yep.
[01:14:16.600 --> 01:14:19.600]  And see what they do, see if they march your account in dispute,
[01:14:19.600 --> 01:14:26.600]  see if they prove that you had an account with them, say send you anything.
[01:14:26.600 --> 01:14:30.600]  My fellow feeling is because it's probably been charged off, they won't even answer,
[01:14:30.600 --> 01:14:35.600]  and of course that's like doing nothing and of course that opens the door for the lawsuit.
[01:14:35.600 --> 01:14:39.600]  Well, if I'm understanding previous things that have been said,
[01:14:39.600 --> 01:14:46.600]  not only is the charge off happening, and this is going back several years now,
[01:14:46.600 --> 01:14:50.600]  but then they are made whole through insurance payoff.
[01:14:50.600 --> 01:14:51.600]  Oh, yes.
[01:14:51.600 --> 01:14:54.600]  Yeah, yeah, yeah, you could be sure of that.
[01:14:54.600 --> 01:15:00.600]  You know, I talk to people who are in business and have companies and they have these problems,
[01:15:00.600 --> 01:15:05.600]  and I ask them very simply, when you lose money at doing your business, what do you do?
[01:15:05.600 --> 01:15:07.600]  Well, I write it off as income tax, boss.
[01:15:07.600 --> 01:15:10.600]  Yeah, what do you think these banks do?
[01:15:10.600 --> 01:15:13.600]  They're companies, they're corporations, they do the same thing.
[01:15:13.600 --> 01:15:17.600]  Even if they don't have insurance on it, they're going to write it off as a tax.
[01:15:17.600 --> 01:15:22.600]  And see, here's the thing, they're supposed to send you a 1099 when they do this, boss,
[01:15:22.600 --> 01:15:26.600]  because now that's construed as income to you.
[01:15:26.600 --> 01:15:32.600]  But once they send you the 1099, it says they've been paid.
[01:15:32.600 --> 01:15:34.600]  You get the picture.
[01:15:34.600 --> 01:15:35.600]  Yeah.
[01:15:35.600 --> 01:15:37.600]  See, and they don't want to do that.
[01:15:37.600 --> 01:15:39.600]  Okay, now you know why.
[01:15:39.600 --> 01:15:40.600]  Yeah.
[01:15:40.600 --> 01:15:46.600]  So, Mike, are you saying that they're claiming this but not sending the 1099 in some cases?
[01:15:46.600 --> 01:15:47.600]  Yeah, yeah, yeah, yeah.
[01:15:47.600 --> 01:15:53.600]  I mean, every once in a while I run into somebody and say, hey, I got a 1099 last week from this account that was charged off.
[01:15:53.600 --> 01:15:59.600]  I said, yeah, they're claiming it as income because the creditor has done a write-off.
[01:15:59.600 --> 01:16:07.600]  And when they do that, when they charge it off like that, it's construed that they lost money.
[01:16:07.600 --> 01:16:09.600]  They're taking the – I mean, it's simple stuff.
[01:16:09.600 --> 01:16:13.600]  I'm not a tax expert, but they're taking a tax credit.
[01:16:13.600 --> 01:16:17.600]  We lost $5,000 to this guy, and we're taking that as a credit.
[01:16:17.600 --> 01:16:30.600]  Well, they're supposed to notify the IRS, you know, that they're sending you a 1099, and they never do.
[01:16:30.600 --> 01:16:31.600]  Oh.
[01:16:31.600 --> 01:16:32.600]  Yeah, yeah, yeah.
[01:16:32.600 --> 01:16:34.600]  That's a wrinkle I hadn't explained at all.
[01:16:34.600 --> 01:16:36.600]  Yeah, it goes on and on.
[01:16:36.600 --> 01:16:37.600]  It doesn't stop.
[01:16:37.600 --> 01:16:39.600]  Nothing surprises me anymore.
[01:16:39.600 --> 01:16:45.600]  Are you saying that I can write discover and have them send me a 1099 for better?
[01:16:45.600 --> 01:16:47.600]  No, no, no, no, no.
[01:16:47.600 --> 01:16:50.600]  You call the IRS and report this.
[01:16:50.600 --> 01:16:52.600]  Oh, gotcha.
[01:16:52.600 --> 01:16:53.600]  I'll be right back.
[01:16:53.600 --> 01:16:59.600]  If I send like 10 of these complaints, the IRS comes in after them for $250,000.
[01:16:59.600 --> 01:17:03.600]  You feel tired when talking about important topics like money and politics?
[01:17:03.600 --> 01:17:04.600]  Sorry.
[01:17:04.600 --> 01:17:07.600]  Are you confused by words like the Constitution or the Federal Reserve?
[01:17:07.600 --> 01:17:08.600]  What?
[01:17:08.600 --> 01:17:12.600]  You may be diagnosed with the deadliest disease known today, stupidity.
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[01:18:01.600 --> 01:18:06.600]  Thank you for watching.
[01:18:31.600 --> 01:18:36.600]  Thank you for watching.
[01:18:36.600 --> 01:19:03.600]  Thank you for watching.
[01:19:36.600 --> 01:19:54.600]  Okay, we have Steve and Michael from New York.
[01:19:54.600 --> 01:19:57.600]  Steve from Texas, Michael from New York.
[01:19:57.600 --> 01:20:08.600]  But before we go to the calls, Willow, you had a question for Mike, you all started to discuss on the break, so let's take it on the air about the admissions.
[01:20:08.600 --> 01:20:15.600]  I was talking about, we were talking about the admission of the federal bar, and I was wondering if you could get the lawyer,
[01:20:15.600 --> 01:20:29.600]  like if you've got the lawyer being the defendant for some company, and you ask the lawyer straight out if he's a lawyer for this federal court,
[01:20:29.600 --> 01:20:36.600]  and he says yes, and he's not, then he's got perjury, right?
[01:20:36.600 --> 01:20:46.600]  Yes, but here's the point, as I explained it to you before, very seldom in this fair credit debt collection process,
[01:20:46.600 --> 01:20:52.600]  will you even go before the judge, it's very seldom that you'll do that, okay?
[01:20:52.600 --> 01:20:58.600]  That you and the lawyer and the judge are in the same courtroom, it's very seldom, okay?
[01:20:58.600 --> 01:21:07.600]  Once in a while they'll have a conference, and it's an informal thing, you're not in trial, you're not under oath or anything like that.
[01:21:07.600 --> 01:21:16.600]  But the point is, Willow, what you want to make is even when this guy or gal first appears as the defendant's attorney,
[01:21:16.600 --> 01:21:20.600]  that's the time to go see if this person has been admitted to the bar.
[01:21:20.600 --> 01:21:26.600]  And if they haven't been admitted to the bar as the plaintiff, you make a motion to the court.
[01:21:26.600 --> 01:21:32.600]  The plaintiff did some investigation, has found that Mr. So-and-so or Ms. So-and-so is not admitted to the bar,
[01:21:32.600 --> 01:21:37.600]  it takes exception to the fact that they are representing this company,
[01:21:37.600 --> 01:21:42.600]  and then let them come back and prove that they are admitted to the federal bar.
[01:21:42.600 --> 01:21:45.600]  There's nothing else that buys you time, right?
[01:21:45.600 --> 01:21:53.600]  Exactly, exactly. Well, when this goes into federal court, all the nonsense is going to stop very quickly, okay?
[01:21:53.600 --> 01:21:57.600]  You're going to have most of these cases, so you get an idea.
[01:21:57.600 --> 01:22:02.600]  I've had them settle before they had to respond to the complaint.
[01:22:02.600 --> 01:22:09.600]  Once they got served, I've had them settle a week before they had a response to the complaint, okay?
[01:22:09.600 --> 01:22:12.600]  And then you've got some that are going to fight you a little bit,
[01:22:12.600 --> 01:22:17.600]  and I've seen some of these cases go two, three, four months before you reach a settlement agreement.
[01:22:17.600 --> 01:22:23.600]  So it's not like the local courts where you've got to have everything answered by tomorrow.
[01:22:23.600 --> 01:22:28.600]  You're going to have a lot of time to play with this stuff.
[01:22:28.600 --> 01:22:29.600]  That's awesome.
[01:22:29.600 --> 01:22:30.600]  Yeah.
[01:22:30.600 --> 01:22:31.600]  Awesome.
[01:22:31.600 --> 01:22:35.600]  It's more regulated, it's more orderly in that federal court.
[01:22:35.600 --> 01:22:42.600]  The judge doesn't even want to see you guys because that's the part of him putting you into 26F discovery,
[01:22:42.600 --> 01:22:47.600]  and then maybe somebody will get a light to come on and say, oh boy, this guy's got us.
[01:22:47.600 --> 01:22:49.600]  We don't want to go to trial.
[01:22:49.600 --> 01:22:54.600]  And there's another step even before going to trial that happens, which I didn't talk about tonight,
[01:22:54.600 --> 01:22:59.600]  but two to three weeks before you pick the jury for the trial,
[01:22:59.600 --> 01:23:04.600]  the judge is going to call the plaintiff and the defendant into the court,
[01:23:04.600 --> 01:23:11.600]  and the judge is going to determine what evidence is admissible for the trial.
[01:23:11.600 --> 01:23:15.600]  Well, if you've got all these admissions and denials from them saying,
[01:23:15.600 --> 01:23:19.600]  hey, we didn't mark your account in dispute, we got your letter,
[01:23:19.600 --> 01:23:23.600]  and you can show that all to the judge, you don't have to go to trial
[01:23:23.600 --> 01:23:27.600]  because you can move the judge to make a summary judgment on the spot.
[01:23:27.600 --> 01:23:30.600]  Your Honor, they've admitted everything they've done here.
[01:23:30.600 --> 01:23:32.600]  We don't need to go to trial.
[01:23:32.600 --> 01:23:33.600]  Yeah.
[01:23:33.600 --> 01:23:40.600]  That's why they don't want to go there because all you've got to do is get them on one count, one count,
[01:23:40.600 --> 01:23:43.600]  and they're cooked. They're done. That's it.
[01:23:43.600 --> 01:23:47.600]  I know you have callers and you need other people coming in,
[01:23:47.600 --> 01:23:53.600]  but how do you go about getting the prejudgment with the federal judge?
[01:23:53.600 --> 01:23:56.600]  I mean, do you write a letter to the judge?
[01:23:56.600 --> 01:24:01.600]  You know, and I've never done that, so I don't have a lot of expertise in that.
[01:24:01.600 --> 01:24:08.600]  I refer that to as an administrative process prior to going into the court
[01:24:08.600 --> 01:24:11.600]  and going into 26F and all that.
[01:24:11.600 --> 01:24:15.600]  I've never done that, okay, but I know it works.
[01:24:15.600 --> 01:24:21.600]  I've talked to people that have done that and do a lot of this pre-trial admissions, okay,
[01:24:21.600 --> 01:24:23.600]  and they don't like it.
[01:24:23.600 --> 01:24:27.600]  The discovery really doesn't involve the court.
[01:24:27.600 --> 01:24:33.600]  It's between the two litigants unless one of the litigants doesn't act in good faith.
[01:24:33.600 --> 01:24:38.600]  The only reason you go to the court then is to ask the court to intervene
[01:24:38.600 --> 01:24:40.600]  and force them to act in good faith.
[01:24:40.600 --> 01:24:47.600]  So if you have discovery, just send it to the other side and tell them this is discovery,
[01:24:47.600 --> 01:24:49.600]  pre-litigation discovery, answer it.
[01:24:49.600 --> 01:24:54.600]  If they don't like it, they'll go to the judge and ask the judge to strike the discovery,
[01:24:54.600 --> 01:24:56.600]  and you can fight about that.
[01:24:56.600 --> 01:25:03.600]  Motion for protection or something like that, yeah.
[01:25:03.600 --> 01:25:04.600]  Does that make sense?
[01:25:04.600 --> 01:25:06.600]  Okay, bring on the next caller, Dan.
[01:25:06.600 --> 01:25:08.600]  Okay, let's go to our next caller.
[01:25:08.600 --> 01:25:11.600]  We've got Steve from Texas.
[01:25:11.600 --> 01:25:13.600]  Steve, go ahead.
[01:25:13.600 --> 01:25:15.600]  Ladies, gentlemen, good evening.
[01:25:15.600 --> 01:25:16.600]  I hope you'll excuse me.
[01:25:16.600 --> 01:25:19.600]  I get a little nervous on the radio.
[01:25:19.600 --> 01:25:27.600]  This question I would like to ask in one part to Eddie Craig because he schooled me on this the other night
[01:25:27.600 --> 01:25:33.600]  and the other part to you, Mr. Meyers, and thank you for bringing up the Spears v. Brennan.
[01:25:33.600 --> 01:25:37.600]  That's one of my favorites.
[01:25:37.600 --> 01:25:44.600]  Okay, I've got two questions to ask actually when dealing with debt collectors on the telephone.
[01:25:44.600 --> 01:25:45.600]  Yep.
[01:25:45.600 --> 01:25:50.600]  The first thing they do have, record all your conversations.
[01:25:50.600 --> 01:25:51.600]  That's my first.
[01:25:51.600 --> 01:25:58.600]  If I were to give anybody any advice, it would be that any kind of verbal dissertation or verbal dialogue
[01:25:58.600 --> 01:26:01.600]  you have with these people on the telephone, record it every time.
[01:26:01.600 --> 01:26:02.600]  Yep.
[01:26:02.600 --> 01:26:09.600]  The first thing they'll do, and my wife recorded somebody the other day from one of our favorite banks.
[01:26:09.600 --> 01:26:17.600]  I won't give out their name, but their initials were Wells Fargo, called her on something.
[01:26:17.600 --> 01:26:24.600]  The first thing the lady did was she asked for the account number or her social.
[01:26:24.600 --> 01:26:27.600]  She wanted to know her social security number.
[01:26:27.600 --> 01:26:35.600]  Mr. Craig, can you tell the listening audience what the penalty is under the Privacy Act of 1974,
[01:26:35.600 --> 01:26:40.600]  what public law under Title 42 is for doing that?
[01:26:40.600 --> 01:26:45.600]  No federal, state, or local government agency shall deprive any individual of a right, benefit, or privilege
[01:26:45.600 --> 01:26:49.600]  because of that individual's refusal to disclose the social security number.
[01:26:49.600 --> 01:26:54.600]  To do so is a penalty of $10,000, five years in jail, or both.
[01:26:54.600 --> 01:26:57.600]  It is a felony.
[01:26:57.600 --> 01:26:58.600]  Thank you very much.
[01:26:58.600 --> 01:27:01.600]  That's a pretty stiff penalty, 10 grand.
[01:27:01.600 --> 01:27:10.600]  Now, if you've got a debt collector saying that you owe them $2,000, $3,000, $5,000 on a credit card, on a car, on whatever.
[01:27:10.600 --> 01:27:11.600]  Yep.
[01:27:11.600 --> 01:27:20.600]  You've got them right there to your betterment if it's $5,000 to have that equal amount in fines.
[01:27:20.600 --> 01:27:26.600]  Now, my question to you, Michael, how do you make it stick?
[01:27:26.600 --> 01:27:36.600]  Now, the point is, under that title, I have not done anything and I don't give people stuff that I haven't done personally or have personal knowledge of.
[01:27:36.600 --> 01:27:43.600]  But the point is, under debt collection, when they come through, if they're asking you,
[01:27:43.600 --> 01:27:51.600]  I've never had one ask me for a social, well, I take it back, I've had them ask me for the last four digits.
[01:27:51.600 --> 01:27:56.600]  And I will not give that information, absolutely.
[01:27:56.600 --> 01:28:02.600]  But I'm not sure how to proceed to get them in under this law that you guys are talking about.
[01:28:02.600 --> 01:28:03.600]  But I'm sure there's a way to do it.
[01:28:03.600 --> 01:28:05.600]  It's the Privacy Act of 1974.
[01:28:05.600 --> 01:28:07.600]  It's a public law, federal law.
[01:28:07.600 --> 01:28:08.600]  Yep, yep.
[01:28:08.600 --> 01:28:17.600]  So to me, I go after them for the simple stuff, the Fair Credit Debt Collection Practices Act violations.
[01:28:17.600 --> 01:28:19.600]  And I don't even let them get that far.
[01:28:19.600 --> 01:28:22.600]  You know what the 18 questions are.
[01:28:22.600 --> 01:28:27.600]  And the whole purpose of that is that you're taking control of this.
[01:28:27.600 --> 01:28:35.600]  You know what the last question is, and they won't give that to you, which is fine.
[01:28:35.600 --> 01:28:38.600]  And then you know what to do at that point, you hang up.
[01:28:38.600 --> 01:28:45.600]  But the point is, they need to identify themselves because you don't know who the heck you're talking to.
[01:28:45.600 --> 01:28:52.600]  It could be anybody with all the IT staff throughout the day and everything, come on.
[01:28:52.600 --> 01:28:58.600]  So with that said, when they don't give you the mini Miranda,
[01:28:58.600 --> 01:29:02.600]  when they send you letters that doesn't have the mini Miranda on it,
[01:29:02.600 --> 01:29:06.600]  the mini Miranda so people who don't know what that is who are listening,
[01:29:06.600 --> 01:29:10.600]  this is an attempt to collect the debt, any information will be used for that purpose.
[01:29:10.600 --> 01:29:15.600]  When they don't do that stuff, that's a violation of the Debt Collection Practices Act.
[01:29:15.600 --> 01:29:20.600]  And every time they do it, it racks up a $1,000 violation.
[01:29:20.600 --> 01:29:23.600]  Funny you mentioned that because that was my next question.
[01:29:23.600 --> 01:29:32.600]  Are they, by any statute that you know of, obligated to reveal this when you speak to them on the telephone?
[01:29:32.600 --> 01:29:34.600]  Yes, sir. It's in the law.
[01:29:34.600 --> 01:29:40.600]  It's in the Debt Collection Practices Act that says every time they contact you,
[01:29:40.600 --> 01:29:43.600]  they must tell you that they're a debt collector.
[01:29:43.600 --> 01:29:46.600]  Now that does not apply if you contact them, correct?
[01:29:46.600 --> 01:29:52.600]  Correct. Correct. That's why you don't call these guys. You don't return calls.
[01:29:52.600 --> 01:29:55.600]  Hold on, we're going to break. We're going to break. We'll be right back.
[01:29:55.600 --> 01:29:57.600]  We'll be back.
[01:29:57.600 --> 01:30:06.600]  Are you the plaintiff or defendant in a lawsuit? Win your case without an attorney with Juris Dictionary,
[01:30:06.600 --> 01:30:14.600]  the affordable, easy-to-understand 4-CD course that will show you how in 24 hours, step-by-step.
[01:30:14.600 --> 01:30:18.600]  If you have a lawyer, know what your lawyer should be doing.
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[01:30:27.600 --> 01:30:33.600]  Juris Dictionary was created by a licensed attorney with 22 years of case-winning experience.
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[01:30:38.600 --> 01:30:42.600]  about the principles and practices that control our American courts.
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[01:30:48.600 --> 01:30:55.600]  pro se tactics, and much more. Please visit ruleoflawradio.com and click on the banner
[01:30:55.600 --> 01:31:19.600]  or call toll-free 866-LAW-EZ.
[01:31:25.600 --> 01:31:52.600]  Okay, we're back.
[01:31:52.600 --> 01:31:55.600]  We've got 30 minutes left of the show. We're talking with Steve.
[01:31:55.600 --> 01:31:58.600]  We're talking about the mini Miranda. Go ahead, Mike.
[01:31:58.600 --> 01:32:05.600]  Yeah, but yes, they must, every time they contact you, whether it's by phone or by letter,
[01:32:05.600 --> 01:32:10.600]  they better, the first thing on the phone, they better say, when they've identified that they're
[01:32:10.600 --> 01:32:15.600]  talking to the right person, they call you up and say, is this Mr. So-and-so?
[01:32:15.600 --> 01:32:19.600]  And you say yes. Well, I'm so-and-so from ABC Debt Collector.
[01:32:19.600 --> 01:32:23.600]  And the next thing they better say is this is an attempt to collect the debt.
[01:32:23.600 --> 01:32:28.600]  Any information obtained will be used for that purpose every time.
[01:32:28.600 --> 01:32:29.600]  I've never heard that.
[01:32:29.600 --> 01:32:30.600]  Really?
[01:32:30.600 --> 01:32:32.600]  I've never heard anything like that.
[01:32:32.600 --> 01:32:39.600]  And if you go look at the Debt Collection Practices Act, there's a whole paragraph in there about it.
[01:32:39.600 --> 01:32:45.600]  Every time they do that, they must tell you, and every time they don't, it's a violation of the
[01:32:45.600 --> 01:32:50.600]  federal law. And you rack it up. It's that simple. It's that simple.
[01:32:50.600 --> 01:32:52.600]  And the same when they send you a letter.
[01:32:52.600 --> 01:32:56.600]  Somewhere on that letter, it better say this is an attempt to collect the debt.
[01:32:56.600 --> 01:32:58.600]  Any information obtained will be used for that purpose.
[01:32:58.600 --> 01:33:02.600]  And I've had letters sent to me by lawyers who forget to put them on there.
[01:33:02.600 --> 01:33:06.600]  And, well, that's your problem, Guy. That's a violation I got against you.
[01:33:06.600 --> 01:33:11.600]  Well, I knew they had to do that in writing, but I didn't know that there was an obligation to do so by
[01:33:11.600 --> 01:33:16.600]  telephone, but it does state any time they contact you and telephone calls are contact.
[01:33:16.600 --> 01:33:21.600]  Yep. The law is very clear. It says every time they contact you.
[01:33:21.600 --> 01:33:25.600]  It doesn't say anything about phone. It says every time they contact you.
[01:33:25.600 --> 01:33:26.600]  Exactly.
[01:33:26.600 --> 01:33:31.600]  They must give you your rights under the law. And that's the same thing, to make it simpler,
[01:33:31.600 --> 01:33:37.600]  that's like getting arrested by the cops and the cops putting their handcuffs on you and not reading you
[01:33:37.600 --> 01:33:42.600]  your Miranda rights. That's why we call this the mini Miranda.
[01:33:42.600 --> 01:33:47.600]  Same thing applies. If they don't read you your rights, there's a good chance whatever they're
[01:33:47.600 --> 01:33:51.600]  charging you with ain't going forward because they violated your civil rights.
[01:33:51.600 --> 01:33:52.600]  They've got to let you go.
[01:33:52.600 --> 01:33:58.600]  Exactly. This will bring me full circle back to something that you'd mentioned in a previous show.
[01:33:58.600 --> 01:34:01.600]  I had mentioned record all your telephone calls.
[01:34:01.600 --> 01:34:09.600]  In regard to this Title 42 violation of them asking for the social security number, record the telephone call.
[01:34:09.600 --> 01:34:13.600]  Now what are you going to do with that telephone call, Mr. Marries?
[01:34:13.600 --> 01:34:16.600]  You're going to transcribe it to a ledger.
[01:34:16.600 --> 01:34:17.600]  There you go.
[01:34:17.600 --> 01:34:22.600]  Because the ledger is admissible in a courtroom, but the judges will block.
[01:34:22.600 --> 01:34:26.600]  I know I've been there. I'm trying to bring a recording into the courtroom.
[01:34:26.600 --> 01:34:31.600]  In fact, they will not let you through security with a recording device.
[01:34:31.600 --> 01:34:34.600]  However, they'll let you through security with a book.
[01:34:34.600 --> 01:34:36.600]  That's right.
[01:34:36.600 --> 01:34:42.600]  Then what I tell the judge is very simple. If this push comes to shove and this should come up,
[01:34:42.600 --> 01:34:46.600]  I tell the judge, yes, I have it all recorded here in this ledger, Your Honor.
[01:34:46.600 --> 01:34:50.600]  I have it copied and I want to present it as evidence into the case.
[01:34:50.600 --> 01:34:56.600]  And oh, by the way, if the lawyer gets up, we don't know if that's true or not, Your Honor, then you would stand up and say,
[01:34:56.600 --> 01:35:03.600]  Your Honor, just so you know, there is a full recording to support every one of these documents.
[01:35:03.600 --> 01:35:10.600]  And if the court will allow me to bring the recording in, they could confirm it against the documents word by word.
[01:35:10.600 --> 01:35:19.600]  Well, when my wife started the recording, she got the lady's name and her employee number.
[01:35:19.600 --> 01:35:21.600]  She went through the questions.
[01:35:21.600 --> 01:35:24.600]  And then it was the lady's turn.
[01:35:24.600 --> 01:35:28.600]  She wanted to know who she was talking to, so she asked for the Social Security number.
[01:35:28.600 --> 01:35:29.600]  So that's nailed her right there.
[01:35:29.600 --> 01:35:35.600]  And if I can bring this statute forward, that's $10,000 right on, I mean, right square, straight up off the bat.
[01:35:35.600 --> 01:35:42.600]  Well, what I would do, see, I would file the complaint under fair credit and pet collection and also add that in as part of the complaint.
[01:35:42.600 --> 01:35:45.600]  And let the judge adjudicate it.
[01:35:45.600 --> 01:35:52.600]  Yeah, and Steve, we were talking about this earlier as far as the testimony, the witness testimony.
[01:35:52.600 --> 01:35:56.600]  We don't even need to bring forth those recordings.
[01:35:56.600 --> 01:36:05.600]  It's up to the other side to accuse us of perjury and then let them prove it.
[01:36:05.600 --> 01:36:09.600]  Okay, let them subpoena the phone records, et cetera, et cetera.
[01:36:09.600 --> 01:36:15.600]  All we have to do is stand on the truth, right, Mike?
[01:36:15.600 --> 01:36:17.600]  Exactly, exactly.
[01:36:17.600 --> 01:36:20.600]  I'm going to tell you, they're not going to want to go there.
[01:36:20.600 --> 01:36:22.600]  They're not going to want to go there.
[01:36:22.600 --> 01:36:23.600]  They're not going to want to go there.
[01:36:23.600 --> 01:36:26.600]  They're going to hang themselves if they do.
[01:36:26.600 --> 01:36:27.600]  Good deal.
[01:36:27.600 --> 01:36:31.600]  Well, you got Michael waiting to get online, so I'll let you guys go and keep screening calls.
[01:36:31.600 --> 01:36:32.600]  Thank you, Steve.
[01:36:32.600 --> 01:36:33.600]  All right, man, later.
[01:36:33.600 --> 01:36:34.600]  Bye folks.
[01:36:34.600 --> 01:36:38.600]  That's Steve Skidmore, Endless Fraud Detection, and he's very helpful.
[01:36:38.600 --> 01:36:39.600]  He helps me screen the calls.
[01:36:39.600 --> 01:36:41.600]  Very much appreciated.
[01:36:41.600 --> 01:36:49.600]  Very much appreciate all the producers and board ops and call screeners that help me run this network and run these shows.
[01:36:49.600 --> 01:36:52.600]  All right, we are going to Michael Anthony from New York.
[01:36:52.600 --> 01:36:54.600]  Michael, thanks for calling in.
[01:36:54.600 --> 01:36:57.600]  What is your question or comment for us tonight?
[01:36:57.600 --> 01:37:02.600]  Thank you for taking my call, and Steve is a tough act to follow, I tell you.
[01:37:02.600 --> 01:37:09.600]  I have a couple of questions, please, if you could answer them. Number one, on this Fair Debt Collection Practices Act,
[01:37:09.600 --> 01:37:18.600]  would that in any way, shape, or form apply with a remedy with Child Support Collection Agency?
[01:37:18.600 --> 01:37:29.600]  You know, I remember vaguely somebody asking me that a while back, and my understanding is it doesn't, but don't hold me 100 percent.
[01:37:29.600 --> 01:37:38.600]  Again, if they have a debt collector involved with this thing, if they're in your credit report, you know, you can stir up a lot of trouble.
[01:37:38.600 --> 01:37:42.600]  Okay, Mike, this brings up a very important question.
[01:37:42.600 --> 01:37:44.600]  Hold on, Randy, hold on.
[01:37:44.600 --> 01:37:46.600]  I've been waiting to ask this question all night.
[01:37:46.600 --> 01:38:02.600]  How can you determine if a federal agency or a state agency or local agency, whatever, is using a third-party debt collector to attempt to collect a fine, forfeiture, fee, child support order, et cetera, et cetera, et cetera?
[01:38:02.600 --> 01:38:10.600]  How can you determine if it's actually a third-party debt collector issue or if it's actually the government going after you?
[01:38:10.600 --> 01:38:16.600]  Well, again, this goes back to researching, and you can never do enough researching.
[01:38:16.600 --> 01:38:18.600]  I've done tons of it.
[01:38:18.600 --> 01:38:33.600]  And I'll tell you, first of all, the first thing I would do is, whoever's attempting to collect this alleged debt, okay, go to BASER and query them and see if they've been sued, if they've been in the federal court.
[01:38:33.600 --> 01:38:41.600]  You might wind up with a lot of intuitive information there that's going to blow your mind, okay?
[01:38:41.600 --> 01:38:42.600]  That's one thing.
[01:38:42.600 --> 01:38:49.600]  The other thing is, a lot of these companies will identify themselves as ABC attorney.
[01:38:49.600 --> 01:38:52.600]  Well, how do you know the attorney's a debt collector?
[01:38:52.600 --> 01:38:56.600]  Again, most of these attorneys today have websites.
[01:38:56.600 --> 01:38:59.600]  And I had someone contact me a couple of weeks ago.
[01:38:59.600 --> 01:39:04.600]  I got contacted by this attorney, but I don't know if they're a debt collector or what then.
[01:39:04.600 --> 01:39:06.600]  I went by the attorney's name.
[01:39:06.600 --> 01:39:07.600]  I went to Google.
[01:39:07.600 --> 01:39:09.600]  I went to their website.
[01:39:09.600 --> 01:39:10.600]  We're a debt collector.
[01:39:10.600 --> 01:39:11.600]  We collect debts.
[01:39:11.600 --> 01:39:14.600]  Case closed.
[01:39:14.600 --> 01:39:22.600]  I can address the question on collecting child support in Texas.
[01:39:22.600 --> 01:39:26.600]  That will always be the attorney general's office itself.
[01:39:26.600 --> 01:39:28.600]  Okay.
[01:39:28.600 --> 01:39:30.600]  They can pretty much do what they want to.
[01:39:30.600 --> 01:39:31.600]  Yeah, yeah.
[01:39:31.600 --> 01:39:34.600]  It's a tough situation on child support.
[01:39:34.600 --> 01:39:44.600]  I know it's very difficult to get out of, and I know that there's some stuff going on that the children aren't children anymore.
[01:39:44.600 --> 01:39:50.600]  They're grown adults and they're out working, but they're still trying to collect the child support.
[01:39:50.600 --> 01:39:53.600]  And I have a problem with that, okay?
[01:39:53.600 --> 01:39:58.600]  I think somebody's trying to collect it who shouldn't be getting it.
[01:39:58.600 --> 01:40:06.600]  Well, in a situation in which I'm referring to, there's been no consideration as far as having any visitation with the children.
[01:40:06.600 --> 01:40:13.600]  That does not apply in the state of Texas, but you're in New York, so I can't comment on that.
[01:40:13.600 --> 01:40:21.600]  But in the state of Texas, there are two totally completely separate issues, and I know it's not fair.
[01:40:21.600 --> 01:40:24.600]  I don't agree with it, but that's the way it is.
[01:40:24.600 --> 01:40:30.600]  Child support falls under the criminal statute, the penal code.
[01:40:30.600 --> 01:40:34.600]  Visitation falls under the civil code.
[01:40:34.600 --> 01:40:37.600]  Two completely different situations.
[01:40:37.600 --> 01:40:45.600]  The custodial parent could completely withhold all visitation from the other parent and the other parent.
[01:40:45.600 --> 01:40:52.600]  Honestly, all they're going to do is sue and sue and sue. Someday, maybe something would be done about it.
[01:40:52.600 --> 01:40:55.600]  But there's no penal code.
[01:40:55.600 --> 01:41:04.600]  There's no enforcement under the penal to force the custodial parent to turn the child over to the other parent.
[01:41:04.600 --> 01:41:10.600]  All it's going to do is it's just going to go to civil and forfeitures and liens and levies and things like this.
[01:41:10.600 --> 01:41:16.600]  But unfortunately, when it comes to child support, that's under the penal code, and that's just the way it is in this state.
[01:41:16.600 --> 01:41:20.600]  I don't necessarily agree with it, but you cannot argue, at least in this state,
[01:41:20.600 --> 01:41:25.600]  you cannot argue that the other parent would not let me see my child, and so therefore, I don't have to pay.
[01:41:25.600 --> 01:41:32.600]  That argument will not fly in this state, and it's probably not going to fly in any other state. Sorry.
[01:41:32.600 --> 01:41:35.600]  Question number two. Thank you for your answer.
[01:41:35.600 --> 01:41:43.600]  Question number two. Does your seminar teachings address having to deal with the original bank,
[01:41:43.600 --> 01:41:48.600]  not a collection agency, but the actual bank, on a credit card loan?
[01:41:48.600 --> 01:41:54.600]  Yes. Actually, Debbie just posted that up tonight, I think, the second course,
[01:41:54.600 --> 01:42:02.600]  which is entitled Dealing with the Creditors or How to Clean Up Your Credit Report.
[01:42:02.600 --> 01:42:11.600]  And it addresses strictly fair credit reporting act violations, how to get them, how to build your case.
[01:42:11.600 --> 01:42:14.600]  There's a couple of cases in this course.
[01:42:14.600 --> 01:42:19.600]  Check off list at the very end that you can check off everything you've done to prepare your case,
[01:42:19.600 --> 01:42:22.600]  and you're ready to go to federal court.
[01:42:22.600 --> 01:42:27.600]  So to answer your question, yes, dealing strictly with the creditors.
[01:42:27.600 --> 01:42:28.600]  Right.
[01:42:28.600 --> 01:42:32.600]  Absolutely. That's the second course, and I'll say it one more time.
[01:42:32.600 --> 01:42:39.600]  It's called Dealing with the Creditors or How to Clean Up Your Credit Report.
[01:42:39.600 --> 01:42:43.600]  Okay, and that's on the website to be able to purchase that setup.
[01:42:43.600 --> 01:42:45.600]  Debbie, is it there?
[01:42:45.600 --> 01:42:52.600]  It is there. If you click on the blue banner, the blue Michael Mears banner, to go to the Michael Mears page,
[01:42:52.600 --> 01:42:59.600]  there are two links to purchase Michael Mears' two products,
[01:42:59.600 --> 01:43:01.600]  and there's a third one to come, from what I understand.
[01:43:01.600 --> 01:43:07.600]  Yeah, the third one, which is down the road a little bit, I don't push people to go there a lot,
[01:43:07.600 --> 01:43:14.600]  but after a while, and I'll give you the scenario, let's say you've got some bad things in your credit report,
[01:43:14.600 --> 01:43:18.600]  they've been in there for a number of years, they're approaching the statute of limitations,
[01:43:18.600 --> 01:43:22.600]  they've been in there four or five years, nobody's chasing you for the money,
[01:43:22.600 --> 01:43:27.600]  they've given up, they've stopped, but they're ruining your credit, okay?
[01:43:27.600 --> 01:43:29.600]  Right.
[01:43:29.600 --> 01:43:33.600]  The debt collector or the creditor may be out of business.
[01:43:33.600 --> 01:43:36.600]  They may be gone. They may not even be in business anymore,
[01:43:36.600 --> 01:43:42.600]  so how do you hold the credit bureau's feet to the fire to get that stuff out,
[01:43:42.600 --> 01:43:47.600]  and what this will teach you is how to go after the credit bureau and take them into federal court.
[01:43:47.600 --> 01:43:48.600]  Oh, boy.
[01:43:48.600 --> 01:43:51.600]  Hurry up and get that done. Hurry up and get that one done.
[01:43:51.600 --> 01:43:55.600]  Okay, we've got one more segment. Michael, do you need to hang on?
[01:43:55.600 --> 01:43:56.600]  I'm good, thank you.
[01:43:56.600 --> 01:43:58.600]  Okay, all right, one more segment.
[01:43:58.600 --> 01:43:59.600]  All right, thank you.
[01:43:59.600 --> 01:44:04.600]  Are you being harassed by debt collectors with phone calls, letters, or even lawsuits?
[01:44:04.600 --> 01:44:08.600]  Stop debt collectors now with the Michael Mears' proven method.
[01:44:08.600 --> 01:44:13.600]  Michael Mears has won six cases in federal court against debt collectors, and now you can win two.
[01:44:13.600 --> 01:44:19.600]  You'll get step-by-step instructions in plain English on how to win in court using federal civil rights statutes,
[01:44:19.600 --> 01:44:25.600]  what to do when contacted by phone, mail, or court summons, how to answer letters and phone calls,
[01:44:25.600 --> 01:44:30.600]  how to get debt collectors out of your credit report, how to turn your financial tables on them
[01:44:30.600 --> 01:44:33.600]  and make them pay you to go away.
[01:44:33.600 --> 01:44:37.600]  The Michael Mears' proven method is the solution for how to stop debt collectors.
[01:44:37.600 --> 01:44:40.600]  Personal consultation is available as well.
[01:44:40.600 --> 01:44:45.600]  For more information, please visit ruleoflawradio.com and click on the blue Michael Mears banner,
[01:44:45.600 --> 01:44:48.600]  or email michaelmears at yahoo.com.
[01:44:48.600 --> 01:44:56.600]  That's ruleoflawradio.com, or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com
[01:44:56.600 --> 01:45:00.600]  to learn how to stop debt collectors now.
[01:45:00.600 --> 01:45:06.600]  You are listening to the Rule of Law Radio Network at ruleoflawradio.com,
[01:45:06.600 --> 01:45:10.600]  live free speech talk radio at its best.
[01:45:36.600 --> 01:46:05.600]  The people come down from the hill
[01:46:05.600 --> 01:46:16.600]  Into the city they will shuffle
[01:46:16.600 --> 01:46:21.600]  Many long nights, many strong thrills
[01:46:21.600 --> 01:46:25.600]  Okay, this is the Rule of Law.
[01:46:25.600 --> 01:46:31.600]  Randy Kelton, Eddie Craig, Mike Mears, Willow, Deborah.
[01:46:31.600 --> 01:46:36.600]  We've got one more segment left. Callers, if you would like to call in,
[01:46:36.600 --> 01:46:40.600]  this is your last chance. Get it going while it's hot.
[01:46:40.600 --> 01:46:44.600]  In the meantime, Mike has some closing comments,
[01:46:44.600 --> 01:46:47.600]  and you have something you would like to read to the audience.
[01:46:47.600 --> 01:46:53.600]  Right, and this is in reference to Steve's question earlier,
[01:46:53.600 --> 01:46:59.600]  just the caller that just hung up about how many times must they tell you
[01:46:59.600 --> 01:47:02.600]  that this is an attempt to collect the debt.
[01:47:02.600 --> 01:47:05.600]  And I'm going to read right from the law, it's a very short paragraph,
[01:47:05.600 --> 01:47:14.600]  it's under 807, section 807 of the Debt Collection Practices Act, paragraph 11,
[01:47:14.600 --> 01:47:25.600]  807 paragraph 11, it's called False or Misleading Representations, paragraph 11.
[01:47:25.600 --> 01:47:32.600]  The failure to disclose in the initial written communication with the consumer,
[01:47:32.600 --> 01:47:40.600]  and in addition if the initial communication with the consumer is oral,
[01:47:40.600 --> 01:47:47.600]  in that initial oral communication the debt collector is attempting to collect the debt
[01:47:47.600 --> 01:47:53.600]  and that any information obtained will be used for that purpose, comma.
[01:47:53.600 --> 01:47:59.600]  And the failure to disclose in subsequent communications
[01:47:59.600 --> 01:48:03.600]  that the communication is from a debt collector,
[01:48:03.600 --> 01:48:09.600]  except that this paragraph shall not apply to a formal plea
[01:48:09.600 --> 01:48:12.600]  made in connection with the legal action.
[01:48:12.600 --> 01:48:15.600]  So there you have it, ladies and gentlemen, right from the law,
[01:48:15.600 --> 01:48:19.600]  they've got to tell you every time, and when I file my complaints,
[01:48:19.600 --> 01:48:24.600]  I can assure you I've put that paragraph in the complaint.
[01:48:24.600 --> 01:48:26.600]  That makes the guesswork out.
[01:48:26.600 --> 01:48:29.600]  Now what statute is that again?
[01:48:29.600 --> 01:48:35.600]  That's the Debt Collection Practices Act, section 807, paragraph 11,
[01:48:35.600 --> 01:48:39.600]  False or Misleading Representations under 807.
[01:48:39.600 --> 01:48:42.600]  Okay, well that answers the question that I've had for a long time,
[01:48:42.600 --> 01:48:46.600]  in connection with a formal...
[01:48:46.600 --> 01:48:51.600]  Right, when you go into a plea, because, and I find this, for instance,
[01:48:51.600 --> 01:48:55.600]  if they're suing you in the local court, okay,
[01:48:55.600 --> 01:49:00.600]  they don't have to put this as an attempt to collect the debt on the documentation,
[01:49:00.600 --> 01:49:05.600]  but I know that a lot of these debt collectors now just automatically do that
[01:49:05.600 --> 01:49:07.600]  to avoid any question.
[01:49:07.600 --> 01:49:11.600]  So that means that the government is going after someone
[01:49:11.600 --> 01:49:18.600]  for like, say, a fine or a forfeiture collection on some kind of infraction.
[01:49:18.600 --> 01:49:22.600]  If it's a connection with a formal pleading,
[01:49:22.600 --> 01:49:28.600]  then we cannot use the Fair Debt Collection Practices Act as a remedy.
[01:49:28.600 --> 01:49:29.600]  Is that what you're saying?
[01:49:29.600 --> 01:49:31.600]  Well, that part of it you can't.
[01:49:31.600 --> 01:49:36.600]  There are many parts to it, because this is just one small part of it.
[01:49:36.600 --> 01:49:40.600]  You know, you've asked them to prove the debt, the obligation, whatever,
[01:49:40.600 --> 01:49:45.600]  and if they don't do that, they're attempting to collect something that doesn't exist.
[01:49:45.600 --> 01:49:48.600]  What right do you have to bring me into a courtroom?
[01:49:48.600 --> 01:49:53.600]  You've never proved to me that I owe something, and I challenge you and ask you to do that.
[01:49:53.600 --> 01:50:00.600]  So this is just another section of it, when they contact you, what their requirements are to do.
[01:50:00.600 --> 01:50:05.600]  But if we can prove that the government is using a third-party debt collector
[01:50:05.600 --> 01:50:11.600]  to try to enforce a fine or forfeiture, then we can use the Fair Debt Collection Practices Act.
[01:50:11.600 --> 01:50:15.600]  Absolutely. If there's a third-party debt collector involved, absolutely.
[01:50:15.600 --> 01:50:20.600]  And my understanding is that when they come after you, they do this,
[01:50:20.600 --> 01:50:26.600]  they turn it over to some debt collector, they've hired, and they let the debt collector go after you.
[01:50:26.600 --> 01:50:28.600]  Like Dyncor?
[01:50:28.600 --> 01:50:32.600]  Yep, any of those. They're a third-party debt collector.
[01:50:32.600 --> 01:50:36.600]  And it's very easy to find out information by querying them,
[01:50:36.600 --> 01:50:40.600]  through checking lawsuits in the federal courts. That's what I do.
[01:50:40.600 --> 01:50:43.600]  Pre-litigation discovery, perhaps?
[01:50:43.600 --> 01:50:47.600]  Yeah, yeah. I mean, you know, there's just, you can't know the lie.
[01:50:47.600 --> 01:50:52.600]  I have a very simple saying, know thy enemy, know thy enemy, okay?
[01:50:52.600 --> 01:50:55.600]  Know who you're going up against, know what they do for a living,
[01:50:55.600 --> 01:51:02.600]  and what laws do they have to follow in doing that living. It's that simple.
[01:51:02.600 --> 01:51:04.600]  Question.
[01:51:04.600 --> 01:51:17.600]  When you dispute the debt, what statute restricts the lender from any further collections
[01:51:17.600 --> 01:51:22.600]  until they've answered the dispute?
[01:51:22.600 --> 01:51:31.600]  Oh, well, here's the thing. When you dispute this thing, as you know, they must do an investigation.
[01:51:31.600 --> 01:51:36.600]  The law is very clear under fair credit that says, okay, if you dispute this,
[01:51:36.600 --> 01:51:43.600]  they're obligated to do an investigation, which 99 percent of the time they never do.
[01:51:43.600 --> 01:51:48.600]  But the point is, within the fair credit, it is clearly explained in there,
[01:51:48.600 --> 01:51:52.600]  then it says that if you dispute it, they have to do an investigation,
[01:51:52.600 --> 01:51:58.600]  and they have to provide you with some type of results of that investigation.
[01:51:58.600 --> 01:52:04.600]  And when they don't do that, the statutes within the Fair Credit Reporting Act,
[01:52:04.600 --> 01:52:10.600]  then I don't have the paragraph exactly up here in front of me, but that's what does,
[01:52:10.600 --> 01:52:15.600]  that's what turns the law on to go after these guys because they don't follow the law.
[01:52:15.600 --> 01:52:20.600]  You know, they come back, and I've had people, you know, talk to,
[01:52:20.600 --> 01:52:25.600]  they come back and the creditor will send back a letter to you and say,
[01:52:25.600 --> 01:52:32.600]  we want your Social Security number, uh-oh, and or your account number.
[01:52:32.600 --> 01:52:40.600]  And my argument to that is, it's really simple, you're in my credit report,
[01:52:40.600 --> 01:52:45.600]  you're reporting this in my credit report where my Social Security number is,
[01:52:45.600 --> 01:52:49.600]  and now you're saying you don't know what I'm talking about
[01:52:49.600 --> 01:52:55.600]  because you don't have my Social Security and you don't have the account number.
[01:52:55.600 --> 01:53:03.600]  That tells me they have holes in their system, and the law addresses this
[01:53:03.600 --> 01:53:08.600]  that says they must have systems in place to prevent error.
[01:53:08.600 --> 01:53:14.600]  And by asking you for that, to me, they don't have the systems in place to prevent error.
[01:53:14.600 --> 01:53:16.600]  They should have my name and address in there.
[01:53:16.600 --> 01:53:18.600]  You're in my credit report, now you're coming back
[01:53:18.600 --> 01:53:22.600]  and you're asking me for my social and an account number.
[01:53:22.600 --> 01:53:24.600]  Are you kidding me?
[01:53:24.600 --> 01:53:26.600]  Mike, let me ask you something.
[01:53:26.600 --> 01:53:32.600]  If it's a government agency that actually appears in someone's credit report,
[01:53:32.600 --> 01:53:37.600]  is there some way we could go back after the government agency under these statutes?
[01:53:37.600 --> 01:53:45.600]  Well, I'm going to answer that, and again, I've had people ask me about IRS,
[01:53:45.600 --> 01:53:49.600]  and I say, I don't know, I don't go there, I've never done anything with IRS,
[01:53:49.600 --> 01:53:54.600]  but if you've got some other government agency in your credit report,
[01:53:54.600 --> 01:53:58.600]  these are federal laws.
[01:53:58.600 --> 01:54:05.600]  They are adjudicated or can be adjudicated to any competent court of jurisdiction.
[01:54:05.600 --> 01:54:07.600]  I'm going to say that one more time.
[01:54:07.600 --> 01:54:10.600]  The law under fair credit and debt collection states,
[01:54:10.600 --> 01:54:15.600]  these you can bring action in any competent court of jurisdiction.
[01:54:15.600 --> 01:54:18.600]  So if you don't want to go to federal, you can go to the local.
[01:54:18.600 --> 01:54:20.600]  I don't recommend that.
[01:54:20.600 --> 01:54:23.600]  I go to the federal because these are federal laws.
[01:54:23.600 --> 01:54:27.600]  You're in a federal court and they understand, okay?
[01:54:27.600 --> 01:54:31.600]  So my answer to your question is if they're in your credit report,
[01:54:31.600 --> 01:54:33.600]  they have to follow the rules.
[01:54:33.600 --> 01:54:38.600]  Unless there's some statute that specifically exempts that particular federal agency.
[01:54:38.600 --> 01:54:39.600]  Exactly.
[01:54:39.600 --> 01:54:41.600]  We're in a fight right now.
[01:54:41.600 --> 01:54:45.600]  I have a gentleman who just went after Sallie Mae.
[01:54:45.600 --> 01:54:49.600]  Well, at one time, Sallie Mae used to be part of the federal government.
[01:54:49.600 --> 01:54:56.600]  You couldn't go after them, but they sold that off and they became a private company, okay?
[01:54:56.600 --> 01:55:01.600]  But now the problem he has is Sallie Mae has turned this case back over,
[01:55:01.600 --> 01:55:05.600]  Sallie Mae walked away and they paid him to go away, okay?
[01:55:05.600 --> 01:55:14.600]  The point is now they've turned the paperwork and everything back to the state that he got this loan.
[01:55:14.600 --> 01:55:20.600]  And they're going to try and enforce putting a lien on his pay, suspending his license,
[01:55:20.600 --> 01:55:22.600]  and he's in the medical field.
[01:55:22.600 --> 01:55:27.600]  I won't get into discussions about that, but they're threatening to do these things.
[01:55:27.600 --> 01:55:33.600]  My question is the place, the state that's doing this is Illinois, and he's in another state,
[01:55:33.600 --> 01:55:41.600]  and I says I don't understand how the state of Illinois can have jurisdiction over the state you're living in.
[01:55:41.600 --> 01:55:43.600]  How can they do that?
[01:55:43.600 --> 01:55:49.600]  They just can't come in and send your employer a notice and say start garnishing this guy's wages.
[01:55:49.600 --> 01:55:54.600]  You need a court order to do that as far as I know.
[01:55:54.600 --> 01:55:56.600]  So we're digging into this a little bit.
[01:55:56.600 --> 01:55:58.600]  It's getting pretty interesting.
[01:55:58.600 --> 01:56:03.600]  We know some people who have done this stuff that we're kind of querying them now,
[01:56:03.600 --> 01:56:08.600]  but the guy's a little upset over this, and rightfully so.
[01:56:08.600 --> 01:56:14.600]  They sent him this package and fill out all these forms and sign this and start paying us.
[01:56:14.600 --> 01:56:19.600]  But we've come up with some other alternate plans on this.
[01:56:19.600 --> 01:56:22.600]  At this point it won't fall under fair credit and pet collection,
[01:56:22.600 --> 01:56:29.600]  but there's some fraud issues involved, produce the original note type of stuff and all this.
[01:56:29.600 --> 01:56:31.600]  But we'll see where it goes.
[01:56:31.600 --> 01:56:42.600]  But again, this is a tough situation because some of these federal groups are immune from some of these laws.
[01:56:42.600 --> 01:56:46.600]  But if they're a federal organization, my opinion,
[01:56:46.600 --> 01:56:50.600]  and I've never dealt with a federal organization, a federal court,
[01:56:50.600 --> 01:56:55.600]  that if they're in your credit report, they are governed by the federal rules,
[01:56:55.600 --> 01:56:59.600]  the Federal Fair Credit Reporting Act and the Federal Debt Collection Practices Act,
[01:56:59.600 --> 01:57:02.600]  and they ought to be following them.
[01:57:02.600 --> 01:57:07.600]  Right, unless there's some specific statute exempting that particular agency.
[01:57:07.600 --> 01:57:08.600]  Exactly.
[01:57:08.600 --> 01:57:12.600]  And so that's like the back door to go after them.
[01:57:12.600 --> 01:57:13.600]  Exactly.
[01:57:13.600 --> 01:57:17.600]  If they happen to be in your credit report.
[01:57:17.600 --> 01:57:18.600]  Exactly.
[01:57:18.600 --> 01:57:24.600]  And Mike, if a government agency happens to be using a third party debt collector
[01:57:24.600 --> 01:57:29.600]  to attempt to collect a, you know, past, forfeiture, fine, whatever,
[01:57:29.600 --> 01:57:34.600]  would the credit report and them being in your credit report,
[01:57:34.600 --> 01:57:38.600]  would that be a way to use discovery techniques, et cetera,
[01:57:38.600 --> 01:57:42.600]  to try to determine who the third party debt collector is?
[01:57:42.600 --> 01:57:44.600]  I mean, am I on the right track here?
[01:57:44.600 --> 01:57:50.600]  You are, and if they're a third party, independent, separate company,
[01:57:50.600 --> 01:57:59.600]  not part of the federal government, they're not exempt from these laws.
[01:57:59.600 --> 01:58:04.600]  So you want to be able to go after them under debt collection
[01:58:04.600 --> 01:58:07.600]  and fair credit reporting, especially if they're in there,
[01:58:07.600 --> 01:58:09.600]  the debt collectors in your credit report.
[01:58:09.600 --> 01:58:13.600]  So if they're a third party, I believe they're an independent organization,
[01:58:13.600 --> 01:58:17.600]  they follow under these laws and are liable to follow them.
[01:58:17.600 --> 01:58:18.600]  All right.
[01:58:18.600 --> 01:58:19.600]  Excellent.
[01:58:19.600 --> 01:58:21.600]  Excellent information, Mike.
[01:58:21.600 --> 01:58:22.600]  Thank you very much.
[01:58:22.600 --> 01:58:26.600]  And ladies and gentlemen, please go to ruleoflawradio.com,
[01:58:26.600 --> 01:58:31.600]  click on the blue banner, and you can get Michael Muir's second course.
[01:58:31.600 --> 01:58:33.600]  There's a third one to come.
[01:58:33.600 --> 01:58:34.600]  Well worth it.
[01:58:34.600 --> 01:58:37.600]  He'll give you consultation on the phone.
[01:58:37.600 --> 01:58:39.600]  Willow is living proof.
[01:58:39.600 --> 01:58:40.600]  So am I.
[01:58:40.600 --> 01:58:42.600]  We are here for you, people.
[01:58:42.600 --> 01:58:44.600]  We are doing this for you.
[01:58:44.600 --> 01:58:47.600]  We are taking our country back.
[01:58:47.600 --> 01:58:48.600]  Yes, ma'am.
[01:58:48.600 --> 01:58:49.600]  Yes, ma'am.
[01:58:49.600 --> 01:58:54.600]  Willow, my friend, and Eddie and Randy, we will be back Monday night.
[01:58:54.600 --> 01:58:55.600]  Stay tuned.
[01:58:55.600 --> 01:58:56.600]  Sunday night.
[01:58:56.600 --> 01:58:58.600]  Live and let live.
[01:58:58.600 --> 01:59:14.600]  I'm like a stepping phrase I don't want my size I'm dangerous, dangerous I'm like a stepping phrase I don't want my size I'm dangerous, dangerous
[01:59:14.600 --> 01:59:29.600]  If you are a Chucky, somebody Chucky from me If you are a Chucky, Chucky, somebody Chucky from me
[01:59:29.600 --> 01:59:43.600]  I'm like a stepping phrase I don't want my size I'm dangerous, dangerous I'm like a stepping phrase I don't want my size I'm dangerous, dangerous
[01:59:43.600 --> 01:59:58.600]  I'm like a stepping phrase I don't want my size I'm dangerous, dangerous