ROL_2013-03-22_16k_Hr1-2.timecode

[00:00.000 --> 00:10.280]  You are listening to the Liberty Bees, your daily source for Liberty News and Activist
[00:10.280 --> 00:15.640]  updates online at TheLibertyBeat.com.
[00:15.640 --> 00:20.240]  John Bush here with your Liberty Bees for March 22, 2013.
[00:20.240 --> 00:29.800]  Gold open today at $1,609, silver at $28.98, 96 cents and Bitcoin is trading at $72.95.
[00:29.800 --> 00:33.680]  Today's edition of Liberty Bees is sponsored and farmed by Brave New Books, your Central
[00:33.680 --> 00:40.920]  Texas supplier of One World Way and Tangy Tangerine, online at bravenewbookstore.com.
[00:40.920 --> 00:44.200]  And now the news.
[00:44.200 --> 00:48.520]  A program aimed at rewarding people who blow the whistle on illegal gun owners has yet
[00:48.520 --> 00:52.320]  to show significant results as three police agencies in New York.
[00:52.320 --> 00:58.160]  In February of 2012, 11 months before the passage of NY SAFE Act, Governor Cuomo's office
[00:58.160 --> 01:01.360]  announced a four-pronged initiative to curb gun violence.
[01:01.360 --> 01:05.080]  One of the programs was a cash reward for citizens who lead police to the arrest and
[01:05.080 --> 01:07.480]  confiscation of illegal firearms.
[01:07.480 --> 01:11.800]  Known as the gun tip line, New Yorkers can call a toll-free hotline to alert police if
[01:11.800 --> 01:14.080]  they believe someone they know has an illegal gun.
[01:14.080 --> 01:18.000]  The call would be picked up by state police and local law enforcement would be notified
[01:18.000 --> 01:19.840]  if the tip seemed reliable.
[01:19.840 --> 01:27.880]  If there was an arrest, the tipster would receive as much as $500.
[01:27.880 --> 01:32.280]  The U.S. government is expanding a cybersecurity program that scans internet traffic headed
[01:32.280 --> 01:36.640]  into and out of defense contractors to include far more of the country's private civilian
[01:36.640 --> 01:37.920]  run infrastructure.
[01:37.920 --> 01:41.760]  As a result, more private sector employees than ever before, including those at big banks,
[01:41.760 --> 01:46.040]  utilities, and key transportation companies, will have their emails and web surfing scanned
[01:46.040 --> 01:48.640]  as a precaution against cyber attacks.
[01:48.640 --> 01:52.200]  Under last month's White House executive order on cybersecurity, the scans will be driven
[01:52.200 --> 01:56.600]  by classified information provided by U.S. intelligence agencies, including data from
[01:56.600 --> 02:01.800]  the National Security Agency on new or specifically serious espionage threats and other hacking
[02:01.800 --> 02:07.400]  attempts.
[02:07.400 --> 02:10.640]  Republican amendments to the Senate's budget proposal would require President Obama and
[02:10.640 --> 02:14.320]  Vice President Biden to get their medical care through the new exchanges created by
[02:14.320 --> 02:16.600]  Obama's signature health care law.
[02:16.600 --> 02:21.000]  Senators Susan Collins, Republican from Maine and Kelly Iote, Republican from New Hampshire,
[02:21.000 --> 02:24.800]  both offered amendments to move the President and Vice President into the health care law
[02:24.800 --> 02:26.400]  as an exchange.
[02:26.400 --> 02:30.480]  Under the Affordable Care Act passed, the White House said Obama would enroll in exchange
[02:30.480 --> 02:32.760]  once the time came in 2014.
[02:32.760 --> 02:37.080]  Collins and Iote's amendments would require the President, the Vice President, and the
[02:37.080 --> 02:42.600]  Cabinet to put their premiums where their politics are.
[02:42.600 --> 02:46.400]  The Liberty Deed is sponsored and parked by Pure Rain, chemical and fluoride-free bottled
[02:46.400 --> 02:51.800]  water available at Central Market and Whole Foods grocery stores, online at purerainusa.com
[02:51.800 --> 02:56.640]  and by Central Texas Gun Works, self-defense training, CHL courses and firearm sales,
[03:52.120 --> 03:56.720]  We are here by myself tonight and I have a guest.
[03:56.720 --> 03:59.280]  We're having a little difficulty bringing him up.
[03:59.280 --> 04:08.080]  We will probably have Mr. Winston up on the next segment.
[04:08.080 --> 04:12.120]  Winston is going to be talking about loan modification.
[04:12.120 --> 04:18.080]  We've had him on once before and he will be coming back.
[04:18.080 --> 04:24.040]  This is one of the issues that's always kind of surprised me.
[04:24.040 --> 04:35.760]  I was puzzled, I was not surprised, but more puzzled in that there was such a problem with
[04:35.760 --> 04:41.200]  the foreclosures, issues, but on the loan modification.
[04:41.200 --> 04:47.200]  Nobody ever did anything about it, never, you know, we hear a lot of people complaining
[04:47.200 --> 04:55.200]  about it, but never heard anyone stepping up and making any claims or taking any actions
[04:55.200 --> 04:57.920]  concerning the issue.
[04:57.920 --> 05:05.040]  So finally, I started doing some research and I came across Winston and Winston has been
[05:05.040 --> 05:13.960]  helping people get modifications for quite a while and when I talked to Winston the first
[05:13.960 --> 05:19.560]  time I was absolutely astounded at what he told me.
[05:19.560 --> 05:32.800]  He has a program that helps him to make a determination if someone meets the qualifications
[05:32.800 --> 05:42.800]  for a modification under a HAP and there are some specific requirements and according to
[05:42.800 --> 05:48.200]  the wallage you have to be within a $200 range of income.
[05:48.200 --> 05:55.600]  If you're below that, you won't have enough to pay the modification amount.
[05:55.600 --> 06:02.680]  If you're above that, you make enough that they claim you don't need a modification.
[06:02.680 --> 06:08.040]  So it has to bring him in within this range, but he could pretty well do that.
[06:08.040 --> 06:16.720]  But people weren't getting modifications anyway and that at some time in the past Winston
[06:16.720 --> 06:26.240]  had worked for a, I believe it was Bank of America and he told about the training processes
[06:26.240 --> 06:35.320]  they went through and the work schedules they had to deal with and the procedures and everything
[06:35.320 --> 06:45.680]  that they did in order to process these loan modifications and it was absolutely clear
[06:45.680 --> 06:57.720]  that the banks encouraged the Obama administration, our buddy Obama, who has never prosecuted
[06:57.720 --> 07:04.200]  any of these criminals even though he's under a lot of pressure to do so, never done anything
[07:04.200 --> 07:12.920]  to stop them, put together this HAP program to help us out and it's typical of our government.
[07:12.920 --> 07:20.480]  They put together a program and wave it in front of us as if it is of some kind of great
[07:20.480 --> 07:29.320]  value to us and then use it to feather the pockets of their supporters and political
[07:29.320 --> 07:30.320]  allies.
[07:30.320 --> 07:46.160]  In this case, under the HAP program, the government is paying the banks something over $2,000
[07:46.160 --> 07:53.680]  to offer someone a modification, not to give them a modification, it's not contingent on
[07:53.680 --> 07:57.280]  that, only to offer.
[07:57.280 --> 08:05.320]  So and then they wave that in front of us as if it were a great deal, look what we have
[08:05.320 --> 08:12.240]  done for your benefit, we're going to take your tax dollars and we're going to give it
[08:12.240 --> 08:17.720]  to these banks so that they can offer you a loan modification, now they don't have to
[08:17.720 --> 08:25.920]  give you one, all they need to do is offer one and you can be sure they're not going
[08:25.920 --> 08:34.240]  to give you one because if you've listened to the show very much, it's absolutely clear
[08:34.240 --> 08:42.200]  that it's in the bank's best interest to force you into default, if you don't go into default
[08:42.200 --> 08:48.000]  they're going to lose an awful lot of money and the Obama administration knew that, they
[08:48.000 --> 08:59.800]  passed a HAP program, so they passed a HAP program so that they can pay the banks to
[08:59.800 --> 09:06.360]  force you into foreclosure because that's what they use the loan modification for, process
[09:06.360 --> 09:13.560]  for and we'll talk about that more when we get wincing up on the next segment.
[09:13.560 --> 09:20.400]  Right now we're going to go to, we have a caller, we're going to go to Sonny in Georgia,
[09:20.400 --> 09:24.200]  so tell me, is it Sonny in Georgia?
[09:24.200 --> 09:28.800]  Yes sir, it's a good country.
[09:28.800 --> 09:35.960]  Well that's okay, I used to live down there and I grew up at Hillbilly so I can speak
[09:35.960 --> 09:39.000]  your strange foreign dialect.
[09:39.000 --> 09:54.600]  I've got a question slightly off topic but it's having to do with Zoning, I was doing
[09:54.600 --> 10:08.800]  some work for a guy who was cited by the code enforcement, he was issued a stop work order
[10:08.800 --> 10:20.720]  and he has to go to municipal court on the 30th of next month, I've heard, y'all talk
[10:20.720 --> 10:31.560]  about the administrative courts and courts that are judicial, how do you know if you're
[10:31.560 --> 10:41.920]  dealing with a court that is real or, I know that Eddie just, okay, let's, let's, there's
[10:41.920 --> 10:46.800]  some questions we have to ask first.
[10:46.800 --> 10:55.680]  In your, in the Constitution of the state of Georgia, to whom does the Constitution
[10:55.680 --> 11:02.680]  authorize policing power?
[11:02.680 --> 11:10.520]  In Texas, the policing power is vested in the sheriff and a constable.
[11:10.520 --> 11:15.080]  Now we have Texas Rangers but they're only investigators, we have Department of Public
[11:15.080 --> 11:18.560]  Safety but they're just traffic cops.
[11:18.560 --> 11:23.240]  In the administrative code that, where the legislature created the Department of Public
[11:23.240 --> 11:31.120]  Safety, they stipulated that the Department of Public Safety, which are the state police,
[11:31.120 --> 11:36.280]  may not enforce the criminal laws except under the direction of and at the request
[11:36.280 --> 11:38.360]  of local law enforcement.
[11:38.360 --> 11:52.520]  So we have under Constitution two law enforcement agencies and who in Georgia is authorized
[11:52.520 --> 11:56.880]  to pass law?
[11:56.880 --> 11:59.080]  It should be the legislature.
[11:59.080 --> 12:07.280]  Well, in Texas, it is only the legislature and there is no authorization in the Constitution
[12:07.280 --> 12:12.080]  to delegate that authority to someone else.
[12:12.080 --> 12:22.720]  So the only thing the municipal, the municipality can be is a municipal corporation.
[12:22.720 --> 12:33.160]  And this friend of yours, what contract has he entered into with the municipal corporation?
[12:33.160 --> 12:35.360]  None that I'm aware of.
[12:35.360 --> 12:40.000]  He doesn't have a permit and it should be private property.
[12:40.000 --> 12:43.960]  It should be his home.
[12:43.960 --> 12:51.120]  That would be the first place I would go before I even talked about the courts.
[12:51.120 --> 12:54.600]  First I want to know who has authority to do what.
[12:54.600 --> 13:02.760]  Now I realize that it became administratively convenient to allow local municipalities to
[13:02.760 --> 13:06.280]  pass their own laws.
[13:06.280 --> 13:09.280]  But it's unconstitutional.
[13:09.280 --> 13:15.720]  If your Constitution looks like our Constitution, the way I read our Constitution, only the
[13:15.720 --> 13:18.520]  legislature is allowed to pass law.
[13:18.520 --> 13:27.320]  Now a municipal corporation or a corporation of any kind can pass corporate rules and corporate
[13:27.320 --> 13:30.240]  bylaws.
[13:30.240 --> 13:36.240]  But the only ones who are subject to those employees of the corporation or someone who
[13:36.240 --> 13:44.280]  has entered into a contractual agreement with the corporation agreeing to be bound by those
[13:44.280 --> 13:45.280]  laws.
[13:45.280 --> 13:51.800]  Now I live right next to City Hall here in a small town and they would really like to
[13:51.800 --> 13:54.000]  annoy me.
[13:54.000 --> 14:02.720]  But I think they have been directed to leave me the heck alone because they're pretty sure
[14:02.720 --> 14:05.160]  that's why I'll take them.
[14:05.160 --> 14:16.920]  And your guy, this is what I would suggest the first place for him to go is to the state
[14:16.920 --> 14:26.880]  and file criminal charges against the municipality for exerting an authority they don't have,
[14:26.880 --> 14:29.080]  official oppression.
[14:29.080 --> 14:39.080]  Now you're claiming that the code enforcement officer is not a police officer.
[14:39.080 --> 14:44.160]  He is merely a corporate employee.
[14:44.160 --> 14:53.000]  But he has presented himself as if he has some sort of authority over his friend of
[14:53.000 --> 14:54.200]  yours.
[14:54.200 --> 15:00.880]  And you maintain he has no such authority and therefore he's impersonating a public official.
[15:00.880 --> 15:06.080]  And I would suggest you file against him for that.
[15:06.080 --> 15:09.760]  And the prosecutor's going to say, oh well you can do that and you're going to say, well
[15:09.760 --> 15:12.400]  not your call, Bubba.
[15:12.400 --> 15:14.600]  That's a call for the grand jury to make.
[15:14.600 --> 15:17.000]  And he's obviously not going to give it to the grand jury.
[15:17.000 --> 15:21.200]  Then you get to start a fight with the prosecutor and then you get to work it all the way up
[15:21.200 --> 15:28.760]  through the system and create lots of politics in the end you're not going to win your case
[15:28.760 --> 15:33.640]  because you have the law of the facts on your side.
[15:33.640 --> 15:37.920]  To think so is naive.
[15:37.920 --> 15:40.760]  You win your case if you have the politics on your side.
[15:40.760 --> 15:47.440]  Right now this code enforcement officer has all the politics on his side.
[15:47.440 --> 15:55.840]  So you need to go in and see if you can generate yourself a little or this friend of yours
[15:55.840 --> 16:02.680]  by filing a complaint against this officer and get everyone else to refuse to act on
[16:02.680 --> 16:03.680]  it.
[16:03.680 --> 16:07.840]  Oh, that'll be great fun.
[16:07.840 --> 16:16.920]  They will absolutely refuse to act on it and then when they do then you get to start working
[16:16.920 --> 16:21.800]  on a routine on them.
[16:21.800 --> 16:23.520]  Have you listened to this show before?
[16:23.520 --> 16:29.040]  I mean, are you familiar with what we refer to as the routine?
[16:29.040 --> 16:38.280]  I've heard you talk about it several times but another time wouldn't hurt.
[16:38.280 --> 16:39.280]  Okay.
[16:39.280 --> 16:45.200]  Let's say if I can get Winston up we will go to that first and we're done with Winston.
[16:45.200 --> 16:53.800]  I'll come back and talk about it hang on but don't hang on on the phone line, the listener
[16:53.800 --> 16:56.480]  line so it doesn't tie our phones.
[16:56.480 --> 17:21.760]  We'll be right back on Sunday.
[17:21.760 --> 17:36.440]  We'll be right back on Sunday and we'll be right back on Sunday and we'll be right back
[17:36.440 --> 17:37.440]  on Sunday.
[17:37.440 --> 17:55.320]  We'll be right back on Sunday and we'll be right back on Sunday and we'll be right back
[17:55.320 --> 17:56.320]  on Sunday.
[17:56.320 --> 18:16.200]  We'll be right back on Sunday and we'll be right back on Sunday and we'll be right back
[18:16.200 --> 18:17.200]  on Sunday.
[18:17.200 --> 18:30.720]  We'll be right back on Sunday and we'll be right back on Sunday.
[18:30.720 --> 18:50.600]  We'll be right back on Sunday and we'll be right back on Sunday and we'll be right back
[18:50.600 --> 19:11.600]  on Sunday and we'll be right back on Sunday.
[19:11.600 --> 19:39.600]  We'll be right back on Sunday and we'll be right back on Sunday and we'll be right back
[19:39.600 --> 19:40.600]  on Sunday.
[19:40.600 --> 19:51.960]  Okay, we are back, Randy Kelton, Debra Stevens with our radio and we were talking to Sonny
[19:51.960 --> 19:54.960]  in Georgia.
[19:54.960 --> 20:02.920]  Sonny if you will drop off and give us about an hour, hour and a half and we'll reopen
[20:02.920 --> 20:09.600]  the phone lines then we'll take, we'll put you on the top of the list and I'll go back
[20:09.600 --> 20:10.600]  to that.
[20:10.600 --> 20:19.600]  Thank you for running the routine, but right now we have a special guest, Winston Wallace.
[20:19.600 --> 20:26.600]  I was talking about him earlier and don't any of you repeat what I said about him?
[20:26.600 --> 20:36.600]  Because he's bigger than me, but Winston is a resident expert on loan modification.
[20:36.600 --> 20:45.680]  Winston, can you kind of just give us a rundown if you're considering a loan modification?
[20:45.680 --> 20:52.840]  If someone is, what can they expect the banks to do?
[20:52.840 --> 20:59.600]  What are the traps they need to watch for and how should they best handle themselves?
[20:59.600 --> 21:07.920]  Well, one of the biggest traps, Randy, is first of all, everybody needs to understand
[21:07.920 --> 21:13.440]  that you don't need to be past due to get a modification or to even apply for a modification.
[21:13.440 --> 21:18.640]  When President Obama set up the program, he wanted homeowners to be responsible, not
[21:18.640 --> 21:24.240]  to intentionally get themselves in trouble so that they could get a modification.
[21:24.240 --> 21:25.560]  That's number one.
[21:25.560 --> 21:35.040]  Number two, what the lenders often do is number one, they tell you that you need to be past
[21:35.040 --> 21:36.040]  due.
[21:36.040 --> 21:41.440]  They'll prove you for trial modification and after you make your payments, they'll come
[21:41.440 --> 21:46.240]  back and tell you that you don't qualify.
[21:46.240 --> 21:54.240]  What they're doing here is creating a way for them to gather the money from the government
[21:54.240 --> 22:00.360]  to help them to spread their foreclosure out over multiple quarters, so that's probably
[22:00.360 --> 22:03.240]  the biggest trap.
[22:03.240 --> 22:20.800]  Axto, Rila, someone beauty my mic again.
[22:20.800 --> 22:22.680]  How do you avoid that trap?
[22:22.680 --> 22:26.040]  If you're trying to get the bank to give you a modification and they tell you in order
[22:26.040 --> 22:29.840]  to get that modification, you have to do these certain things.
[22:29.840 --> 22:31.920]  How would you deal with that?
[22:31.920 --> 22:38.800]  Well, what we've been having our homeowners do is, depending on the investor, if let's
[22:38.800 --> 22:43.280]  say Bank of America, Wells Fargo, absolutely will not look at your loan until you're past
[22:43.280 --> 22:44.280]  due.
[22:44.280 --> 22:50.040]  We have our homeowners take that mortgage payment and put it in the bank and hold it
[22:50.040 --> 22:57.640]  there and then apply for the modification, but they have to understand that they have
[22:57.640 --> 23:02.640]  to know going in that there's a possibility that the bank could loop back around on them
[23:02.640 --> 23:04.720]  and then tell them that they're not qualified.
[23:04.720 --> 23:08.920]  All the payments that they're not making, they need to hold those payments in a bank
[23:08.920 --> 23:13.360]  account and just in case the floor is pulled out from under them, then they have those
[23:13.360 --> 23:19.160]  funds set aside so they can go back and bring themselves current again.
[23:19.160 --> 23:23.560]  Have you had anyone try to do that?
[23:23.560 --> 23:26.480]  Have I had any of the lenders try to do that?
[23:26.480 --> 23:35.520]  Where the banks has gotten the lender to get behind, because the way that I'm looking from
[23:35.520 --> 23:40.200]  the people I've talked to who's been through this procedure, it appears as though the banks
[23:40.200 --> 23:44.920]  deliberately wanted them to get behind.
[23:44.920 --> 23:51.280]  So that at some point they would say, well, you have to have this much money, tomorrow
[23:51.280 --> 23:53.960]  we're going to put clothes on you.
[23:53.960 --> 23:58.560]  Have you had anybody hand them the money?
[23:58.560 --> 24:04.320]  Well I haven't had it happen to me personally, but because I worked for Bank of America,
[24:04.320 --> 24:14.640]  I've seen it many times before, because Bank of America knows me whenever I submit my paperwork.
[24:14.640 --> 24:19.560]  My borrowers don't have to go through those types of things, but the typical general homeowner
[24:19.560 --> 24:24.320]  out there that's doing his own thing is trying to help himself, trying to be proactive, trying
[24:24.320 --> 24:33.000]  to get himself out of foreclosure, stands about a 50-50 chance of that being pulled on.
[24:33.000 --> 24:40.480]  So I take it this is a somewhat regular routine of the banks?
[24:40.480 --> 24:42.120]  It is a very regular routine.
[24:42.120 --> 24:48.480]  I was just doing some research earlier today, and I found that 300,000 loans were converted,
[24:48.480 --> 24:55.800]  but 277,640 trials, that's people that were told, yeah, you qualify, go ahead and start
[24:55.800 --> 25:02.000]  making your payments, they get happy, they start making these reduced mortgage payments,
[25:02.000 --> 25:10.440]  and 277,000 of these people, the banks pull back their approvals, they say, oh, we changed
[25:10.440 --> 25:15.600]  our mind, something happened, you don't qualify, and now because you've been making the lower
[25:15.600 --> 25:19.960]  payments, plus you were already behind three months when you got into the program, now
[25:19.960 --> 25:25.480]  you're so far past due, you don't know what to do, and they cancel it, but all the time
[25:25.480 --> 25:31.680]  they're able to collect that money from the government, and, you know.
[25:31.680 --> 25:41.000]  As I understand, in the modification process, they require interim payments, and those payments
[25:41.000 --> 25:45.240]  don't go against the principal or interest.
[25:45.240 --> 25:46.720]  Absolutely not.
[25:46.720 --> 25:52.680]  You're saying absolutely not it doesn't go against the principal interest, or they don't
[25:52.680 --> 25:53.680]  require the payments?
[25:53.680 --> 25:59.160]  No, no, no, they require the payments, but the payments just go into a black hole.
[25:59.160 --> 26:03.760]  It does not reduce the unpaid principal balance, it does not reduce anything, it's just money
[26:03.760 --> 26:09.400]  that the lender collects, and I don't even know what they do with it, but it's absolutely
[26:09.400 --> 26:11.680]  not going towards a principal balance.
[26:11.680 --> 26:17.600]  So they con, well they didn't have to con Obama, he was already in their pocket to start
[26:17.600 --> 26:26.040]  with, I believe, to give them all this money so that they can pay their employees to get
[26:26.040 --> 26:32.000]  the lender who's already in trouble to take the money they would be paying their mortgage
[26:32.000 --> 26:39.720]  with and give it to them for nothing, and then at the end of the, when they have them
[26:39.720 --> 26:47.320]  far enough behind that it's essentially impossible to try to catch up, then they drop the sky
[26:47.320 --> 26:54.720]  on them, and in the process, at the time this is going on, they're in the process of foreclosing.
[26:54.720 --> 27:02.320]  Absolutely, I've got one guy I just met recently, and he had the money, this guy, he was a pilot,
[27:02.320 --> 27:08.040]  his wife has a great job, and he had the money, he's like, look, I want to pay you, but the
[27:08.040 --> 27:11.760]  lady had chased it, you know what, sir, just go ahead and hold on to your money, we don't
[27:11.760 --> 27:16.120]  need it, you know, we're going to go ahead and get this modification, and it's been almost
[27:16.120 --> 27:22.400]  two years later, this guy is so far past due, and you know, all that negative, all those
[27:22.400 --> 27:27.320]  bag payments have to be added to the end of the loan, but now they're going to come back
[27:27.320 --> 27:31.200]  and tell them, well, you're so far past due that there's no way we can repackage this
[27:31.200 --> 27:34.120]  deal, we're just going to have to take the property from you.
[27:34.120 --> 27:38.840]  Have they moved ahead against this guy for foreclosure?
[27:38.840 --> 27:41.760]  They're foreclosing on him next month.
[27:41.760 --> 27:45.120]  He needs to file suit against him immediately.
[27:45.120 --> 27:51.400]  This is criminal, has he been paying them interim payments?
[27:51.400 --> 27:56.640]  He had been approved by Chase for a trial payment, and then they came back and told
[27:56.640 --> 27:58.140]  them no.
[27:58.140 --> 28:03.640]  He said, wait a minute, he sold all his stuff and said, look, here's money, I have money
[28:03.640 --> 28:06.240]  to give you, where do I send it?
[28:06.240 --> 28:11.320]  And they told him no, let's rework this thing and we'll get you on your feet.
[28:11.320 --> 28:17.840]  And you know, he calls me all the time, he's upset, he and his wife, and realtors, friends
[28:17.840 --> 28:21.600]  of theirs are calling them, saying, hey, your property is up for sale, you know, what's
[28:21.600 --> 28:22.600]  going on?
[28:22.600 --> 28:24.080]  And it's embarrassing.
[28:24.080 --> 28:30.520]  So he's got a good claim against them, so send him to us.
[28:30.520 --> 28:33.120]  We'll make them real unhappy.
[28:33.120 --> 28:38.680]  This goes to unconscionable behavior on the part of the banks.
[28:38.680 --> 28:43.360]  This is about as criminal as it can get.
[28:43.360 --> 28:50.200]  I want to look at this, it's not just criminal, it is absolutely outrageous.
[28:50.200 --> 28:57.720]  We're coming up on a break, but when we come back, I'd like to talk about your experience
[28:57.720 --> 29:07.560]  of when you worked for the banks in this area and how the banks tended to set things up
[29:07.560 --> 29:14.680]  so that the people trying to get modifications for people were unable to do it.
[29:14.680 --> 29:20.960]  It's easy for us to blame the people we're dealing with, but this is way more insidious
[29:20.960 --> 29:22.800]  than that.
[29:22.800 --> 29:31.640]  The people who are actually perpetrating these problems are not even part of the problem.
[29:31.640 --> 29:35.840]  They're part of the plan that the bank put together.
[29:35.840 --> 29:40.240]  We'd like to talk about that when we come back on the other side.
[29:40.240 --> 29:45.520]  This is Randy Kelton, David Stevens, Eddie Craig, Rule of Law Radio.
[29:45.520 --> 29:54.520]  The phone bridge is closed for the moment when we get probably the next hour and a half,
[29:54.520 --> 30:00.520]  probably nine o'clock, we'll open the phone bridge up, we'll be right back.
[30:00.520 --> 30:06.120]  It turns out gender is about more than just dolls and trucks.
[30:06.120 --> 30:10.160]  I'm Dr. Kauffern Albright and I'll be back in a moment to share some interesting differences
[30:10.160 --> 30:12.320]  between the sexes.
[30:12.320 --> 30:17.640]  Your search engine is watching you, recording all your searches and creating a massive database
[30:17.640 --> 30:19.640]  of your personal information.
[30:19.640 --> 30:20.640]  That's creepy.
[30:20.640 --> 30:22.720]  But it doesn't have to be that way.
[30:22.720 --> 30:25.880]  Startpage.com is the world's most private search engine.
[30:25.880 --> 30:30.000]  Startpage doesn't store your IP address, make a record of your searches, or use tracking
[30:30.000 --> 30:32.240]  cookies and their third party certified.
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[30:39.360 --> 30:43.080]  Startpage.com, the world's most private search engine.
[30:43.080 --> 30:47.160]  Researchers and parents know that girls prefer dolls while boys head for the trucks.
[30:47.160 --> 30:49.720]  But gender differences don't stop there.
[30:49.720 --> 30:53.320]  Psychologists have discovered that the sexes have favorite colors, temperature preferences,
[30:53.320 --> 30:55.000]  and they even hear differently.
[30:55.000 --> 30:58.200]  Girls are attracted to warm colors like red, yellow, and orange.
[30:58.200 --> 31:03.480]  They also tend to work better in warmer temperatures and interpret loud speaking as threatening.
[31:03.480 --> 31:07.240]  Boys on the other hand are drawn to cooler colors like blue, black, and gray.
[31:07.240 --> 31:11.560]  They tend to learn better in cooler temperatures and they associate loud speaking with confidence.
[31:11.560 --> 31:16.640]  But think twice before redecorating, changing the thermostat, or modulating your voice.
[31:16.640 --> 31:20.160]  Scientists say these gender differences are tendencies, not hard, fast rules.
[31:20.160 --> 31:29.960]  I'm Dr. Catherine Albrecht, more news and information at CatherineAlbrecht.com.
[31:29.960 --> 31:35.320]  This is Building 7, a 47-story skyscraper that fell on the afternoon of September 11th.
[31:35.320 --> 31:37.240]  The government says that fire brought it down.
[31:37.240 --> 31:42.400]  However, 1500 architects and engineers have concluded it was a controlled demolition.
[31:42.400 --> 31:46.400]  Over 6,000 of my fellow service members have given their lives, and thousands of my fellow
[31:46.400 --> 31:47.840]  force responders are dying.
[31:47.840 --> 31:51.600]  I'm not a conspiracy theorist, I'm a structural engineer, I'm a New York City correctional,
[31:51.600 --> 31:56.480]  I'm an Air Force pilot, I'm a father who lost his son, we're Americans and we deserve the
[31:56.480 --> 31:57.480]  truth.
[31:57.480 --> 32:00.480]  Go to RememberBuilding7.org today.
[32:00.480 --> 32:05.360]  It is so enlightening to listen to 90.1 FM, but finding things on the Internet isn't
[32:05.360 --> 32:09.240]  so easy, and neither is finding like-minded people to share it with.
[32:09.240 --> 32:12.160]  Oh, well I guess you haven't heard of Brave New Books then.
[32:12.160 --> 32:13.400]  Brave New Books?
[32:13.400 --> 32:17.640]  Yes, Brave New Books has all the books and DVDs you're looking for by authors like
[32:17.640 --> 32:20.480]  Alex Jones, Ron Paul and G. Edward Griffin.
[32:20.480 --> 32:23.800]  They even stock enter food, Berkey products, and Calvin Soaps.
[32:23.800 --> 32:26.800]  There's no way a place like that exists.
[32:26.800 --> 32:32.200]  Go check it out for yourself, it's downtown at 1904 Guadalupe Street, just south of UT.
[32:32.200 --> 32:36.000]  Aw, by UT, there's never anywhere to park down there.
[32:36.000 --> 32:41.240]  Actually, they now offer a free hour of parking for paying customers at the 500 MLK parking
[32:41.240 --> 32:43.360]  facility just behind the bookstore.
[32:43.360 --> 32:47.240]  It does exist, but when are they open?
[32:47.240 --> 32:52.040]  Monday through Saturday, 11 a.m. to 9 p.m., and 1 to 6 p.m. on Sundays.
[32:52.040 --> 32:58.840]  So get them a call at 512-480-2503, or check out their events page at BraveNewBookstore.com.
[32:58.840 --> 33:08.840]  You're listening to the Logos Radio Network at LogosRadioNetwork.com.
[33:08.840 --> 33:38.600]  Okay, we are back, Randy Kelton, Debra Stevens, RealVlog Radio, and we're here with our
[33:38.600 --> 33:46.240]  special guest, Winston Wallace, and Winston, you worked for, was it Bank of America?
[33:46.240 --> 33:48.600]  Yes, Bank of America.
[33:48.600 --> 33:52.880]  Will you tell us about your experience there?
[33:52.880 --> 33:55.240]  What an experience that was, Mr. Kelton.
[33:55.240 --> 33:56.640]  Let's, where do I start?
[33:56.640 --> 34:06.320]  Bank of America has a program that would bring all the new employees through.
[34:06.320 --> 34:11.960]  The program lasts about, for managers, it's like a two-day-long program.
[34:11.960 --> 34:15.560]  Barely enough, you'd even learn how to navigate the system.
[34:15.560 --> 34:23.160]  The employees, on the other hand, have a much longer training session that they go through.
[34:23.160 --> 34:29.960]  The problem that happens at the bank is we have more loans to work on in an eight-hour
[34:29.960 --> 34:37.040]  day than can be worked in a positive way.
[34:37.040 --> 34:42.440]  We're bombarded with loans, we're bombarded with issues, bombarded with meetings, and
[34:42.440 --> 34:46.560]  homeowners are just struggling to get their documents reviewed.
[34:46.560 --> 34:48.800]  Now here we are.
[34:48.800 --> 34:53.440]  Management has given us the mandate that we need to look at quarterly loans in an eight-hour
[34:53.440 --> 34:59.720]  period, and there just isn't enough time to give the loan a proper review.
[34:59.720 --> 35:04.600]  Now I call it a lot of heat because I would pull my people to the side and say, look guys,
[35:04.600 --> 35:08.520]  I don't really care about the mandates that we have.
[35:08.520 --> 35:13.720]  Our job as a team is to give these people the benefit of a proper review.
[35:13.720 --> 35:19.840]  I lost my job because of that.
[35:19.840 --> 35:29.680]  What they want is for us to come in, to go through the loans, just get the numbers done
[35:29.680 --> 35:38.640]  and the homeowners on the other end will fill themselves in a merry-go-round where they're
[35:38.640 --> 35:44.280]  sending in dots over and over and over, but it's not being reviewed.
[35:44.280 --> 35:50.280]  It's not us, the employees, that we actually come into work, put our faces on, game faces
[35:50.280 --> 35:51.280]  on it.
[35:51.280 --> 35:55.680]  We're actually trying to do a good job for the homeowners, but the bank puts us under
[35:55.680 --> 36:00.120]  so much pressure and it makes it impossible for us.
[36:00.120 --> 36:02.600]  They threaten us with our jobs.
[36:02.600 --> 36:07.480]  It's a pressure on our environment, and we're just running through loans as fast as we can,
[36:07.480 --> 36:26.400]  trying to meet the quota, and unfortunately, it's the homeowner that gets hurt.
[36:26.400 --> 36:37.400]  Oh, mute, somebody did that again.
[36:37.400 --> 36:45.520]  You mentioned the last time you were on about what happens to documents when you forward
[36:45.520 --> 36:50.640]  them up to other levels, and the documents aren't exactly the way they expected to find
[36:50.640 --> 36:51.640]  them.
[36:51.640 --> 36:55.320]  Yeah, unfortunately, there's a couple of documents that fit that criteria.
[36:55.320 --> 36:58.480]  Number one is the 4506.
[36:58.480 --> 37:04.680]  If there are any extra witness marks on the 4506, it will be rejected, but the lender's
[37:04.680 --> 37:12.760]  policy is that if the documents are incomplete or inaccurate, they will not inform the homeowner
[37:12.760 --> 37:14.360]  of the problem with the actual document.
[37:14.360 --> 37:18.240]  They'll actually mark those documents as missing.
[37:18.240 --> 37:20.000]  So take a look at it.
[37:20.000 --> 37:22.960]  Now, we walk up through the fax machine, we fax it over to the bank.
[37:22.960 --> 37:28.680]  We write it on a piece of paper, hey, I faxed Anchor America, my 4506, on this day.
[37:28.680 --> 37:35.360]  Anchor America receives it, but because the mark someplace where it should be, instead
[37:35.360 --> 37:42.400]  of telling us, hey, Mr. Wallace, we need you to fix this specific problem, they send me
[37:42.400 --> 37:44.600]  back and notice saying that the form is missing.
[37:44.600 --> 37:49.000]  So I go back and I re-send the same form that they had a problem with, but I don't know
[37:49.000 --> 37:50.400]  they had a problem with it.
[37:50.400 --> 37:57.440]  So we end up in a merry-go-round that lasts a long time, only to have them foreclose on
[37:57.440 --> 38:03.360]  my property, or foreclose on a homeowner's property, because of one document that someone
[38:03.360 --> 38:06.960]  could have just picked up the phone and said, hey, we've noticed that this is incorrect,
[38:06.960 --> 38:08.520]  please send over the correct form.
[38:08.520 --> 38:12.360]  Simple things like that is what's causing homeowners their properties.
[38:12.360 --> 38:27.320]  So this sounds to me like an orchestrated procedure that is intended to deny the modification
[38:27.320 --> 38:36.800]  by lack of full disclosure, and not just lack of full disclosure, it seems like, you know,
[38:36.800 --> 38:41.880]  they've got guys like you working for them, and that's part of the problem they have.
[38:41.880 --> 38:48.280]  You know, when I was in the military, they wanted you to do whatever they wanted you
[38:48.280 --> 38:54.640]  to do, but we were human beings, we have empathy and compassion.
[38:54.640 --> 38:58.480]  So in order to get us to do whatever they wanted us to do, they had to demonize the
[38:58.480 --> 39:04.400]  enemy, they had to make it okay to kill their women and children because they were something
[39:04.400 --> 39:07.040]  less than human beings.
[39:07.040 --> 39:17.000]  The bank is dealing with employees who are ordinary human beings, and how do they get
[39:17.000 --> 39:22.400]  these ordinary human beings to screw everybody that walks in the door?
[39:22.400 --> 39:33.240]  And it looks like this was a carefully crafted criminal connivance intended not only to defraud
[39:33.240 --> 39:40.320]  the federal government, and the banks have been sued a number of times over this issue.
[39:40.320 --> 39:46.960]  I've been doing some research on whistleblowers for on this particular area, the Bank of America
[39:46.960 --> 39:51.280]  has been sued, and they've settled a couple of times out of court, they probably need
[39:51.280 --> 39:57.960]  another one, I don't think anybody's sued them in Texas yet, so we need to do that.
[39:57.960 --> 40:04.040]  But more than that, we need to go after them criminally.
[40:04.040 --> 40:14.240]  By the management of the bank, this was a very carefully contrived criminal conspiracy.
[40:14.240 --> 40:18.360]  I don't see any way of splitting it up otherwise.
[40:18.360 --> 40:27.600]  If I went to someone from person to person and treated them anywhere near as badly as
[40:27.600 --> 40:33.960]  the banks are treating the public, I would be in a federal penitentiary.
[40:33.960 --> 40:42.560]  And these guys have just absolutely fleeced the American public, and I don't think anybody's
[40:42.560 --> 40:45.440]  going to jail.
[40:45.440 --> 40:51.440]  Maybe one or two that the ones that went to jail probably made somebody who was politically
[40:51.440 --> 40:59.960]  important angry at them, or made themselves a political liability.
[40:59.960 --> 41:05.640]  But if they had kept their judges and their politicians paid off, they probably would
[41:05.640 --> 41:10.520]  never have to worry about being prosecuted.
[41:10.520 --> 41:17.400]  So Winston and I have been talking and working together.
[41:17.400 --> 41:29.680]  We are going to put together a forensic evaluation of loan modifications for all the complaining
[41:29.680 --> 41:36.920]  I've seen on the Internet, all the accusations, and for all the people who are doing all these
[41:36.920 --> 41:39.320]  securities analysis.
[41:39.320 --> 41:45.400]  The securities issue for me as far as I'm concerned is the rabbit hole.
[41:45.400 --> 41:54.200]  That's the rabbit hole banks running down to argue this theoretical esoteric issue that
[41:54.200 --> 42:02.360]  would be really hard to show a judge how it applies to your mortgage.
[42:02.360 --> 42:08.080]  Just like MERS, they waved MERS in front of us and said, oh, look at MERS.
[42:08.080 --> 42:11.880]  Look how vulnerable MERS is.
[42:11.880 --> 42:23.400]  They sent us chasing that red herring when the real issue is a lot closer to home.
[42:23.400 --> 42:34.400]  The loan modification fraud is absolutely horrendous, and very few people have been going after
[42:34.400 --> 42:35.400]  that one.
[42:35.400 --> 42:44.360]  So we're putting together an analysis program to where we will analyze the, actually we,
[42:44.360 --> 42:51.840]  I'm saying we, Winston will, I don't know, squat, but he'll do an analysis of the loan
[42:51.840 --> 43:00.680]  modification process, and we will turn that into a statement of facts, a request to take
[43:00.680 --> 43:10.160]  judicial notice, a set of criminal accusations to local grand juries, and then a suit for
[43:10.160 --> 43:11.160]  theft by deception.
[43:11.160 --> 43:15.160]  Does that sound like fun, Winston?
[43:15.160 --> 43:16.160]  It is.
[43:16.160 --> 43:17.160]  It does.
[43:17.160 --> 43:23.600]  And, you know, Randy, I've got to tell you, man, I've been working modifications since
[43:23.600 --> 43:24.600]  they first started.
[43:24.600 --> 43:30.040]  Actually, I started before they started with the ham, and, you know, lately I've been
[43:30.040 --> 43:37.400]  having to work overtime, and I feel, I often say to myself, this is what I do.
[43:37.400 --> 43:39.720]  I do it all day long.
[43:39.720 --> 43:44.720]  Imagine how a homeowner feels, and if I'm having such a tough time getting through,
[43:44.720 --> 43:46.920]  imagine how people feel, the average person.
[43:46.920 --> 43:49.120]  It's almost impossible to get through.
[43:49.120 --> 43:50.120]  Exactly.
[43:50.120 --> 43:51.120]  Okay, hang on.
[43:51.120 --> 43:52.120]  This is Randy Kelton.
[43:52.120 --> 44:04.160]  I'm Randy Kelton, Mr. President, members of Congress.
[44:04.160 --> 44:08.800]  You've been making a lot of noise about taking our guns away, but you might want to review
[44:08.800 --> 44:09.800]  history.
[44:09.800 --> 44:17.800]  1835, Gonzales, Texas Territory, the authorities wanted to confiscate the big gun that protected
[44:17.800 --> 44:18.800]  that colony.
[44:18.800 --> 44:25.480]  You know, what the people said, come and take it, because they were willing to fight for
[44:25.480 --> 44:28.800]  their freedom and their guns.
[44:28.800 --> 44:29.800]  So are we.
[44:29.800 --> 44:32.800]  Come and take it if you want it.
[44:32.800 --> 44:35.800]  Come and take it if you think you can.
[44:35.800 --> 44:41.800]  Come and take it, but I warn you, you'll have to bribe for my conditons.
[44:41.800 --> 44:47.800]  We want the freedom that God gave us, so you best not force that line.
[44:47.800 --> 44:53.800]  If you want this gun, you've got to come through first and take it.
[44:53.800 --> 44:59.800]  One shot at a time, just like Gonzales, we're keeping our guns.
[44:59.800 --> 45:03.800]  Are you the plaintiff or defendant in a lawsuit?
[45:03.800 --> 45:09.800]  Win your case without an attorney with Jurisdictionary, the affordable, easy to understand, poor CD
[45:09.800 --> 45:13.800]  course that will show you how in 24 hours, step by step.
[45:13.800 --> 45:17.800]  If you have a lawyer, know what your lawyer should be doing.
[45:17.800 --> 45:21.800]  If you don't have a lawyer, know what you should do for yourself.
[45:21.800 --> 45:26.800]  Thousands have won with our step by step course, and now you can too.
[45:26.800 --> 45:32.800]  Jurisdictionary was created by a licensed attorney with 22 years of case winning experience.
[45:32.800 --> 45:37.800]  Even if you're not in a lawsuit, you can learn what everyone should understand about the
[45:37.800 --> 45:41.800]  principles and practices that control our American courts.
[45:41.800 --> 45:47.800]  You'll receive our audio classroom, video seminar, tutorials, forms for civil cases,
[45:47.800 --> 45:50.800]  prosay tactics, and much more.
[45:50.800 --> 45:54.800]  Please visit ruleoflawradio.com and click on the banner.
[45:54.800 --> 46:12.800]  Or call toll-free 866-LAW-E-Z.
[46:12.800 --> 46:41.800]  All rights reserved.
[46:41.800 --> 46:45.800]  We are back.
[46:45.800 --> 46:50.800]  We're going to go ahead and open up the phone lines.
[46:50.800 --> 46:54.800]  We will start taking calls after this segment.
[46:54.800 --> 47:01.800]  So if you have on this topic or other topics, we prefer a couple initially on this topic.
[47:01.800 --> 47:07.800]  If you have had a modification experience, we'd like to know about it.
[47:07.800 --> 47:14.800]  We'd like to hear what your experience was, and then we have Winston explain what went on
[47:14.800 --> 47:18.800]  and why it went the way it did.
[47:18.800 --> 47:25.800]  Winston, on the break, you indicated about working for Bank of America, how frustrating it was.
[47:25.800 --> 47:32.800]  Can you kind of give us a little more information about what the things were that frustrated
[47:32.800 --> 47:38.800]  the people who were trying to help folks get modifications?
[47:38.800 --> 47:45.800]  One of the most recent ones I worked on was a guy who was, like I said before,
[47:45.800 --> 47:50.800]  he was approved for modification for trial payments.
[47:50.800 --> 47:53.800]  He started making those payments.
[47:53.800 --> 47:57.800]  Then he got a letter saying that he was in foreclosure.
[47:57.800 --> 48:00.800]  But he's been making all these payments.
[48:00.800 --> 48:05.800]  So then they tell him, like I said, he's, you know, whatever it is that we approved you for,
[48:05.800 --> 48:07.800]  we're taking it back.
[48:07.800 --> 48:10.800]  He calls the bank, he tries to work it out.
[48:10.800 --> 48:12.800]  They said, no, nothing we could do.
[48:12.800 --> 48:17.800]  And they start them with a notice of substitute trustee sale.
[48:17.800 --> 48:20.800]  Then they send him another approval.
[48:20.800 --> 48:22.800]  He starts making more payments.
[48:22.800 --> 48:25.800]  And then they tell him again, I'm sorry, we're going to take your property.
[48:25.800 --> 48:30.800]  This, it sounds crazy that I'm telling you this, but it's absolutely true.
[48:30.800 --> 48:31.800]  They flip flop.
[48:31.800 --> 48:33.800]  They tell you one thing.
[48:33.800 --> 48:34.800]  You hang up the phone.
[48:34.800 --> 48:35.800]  You call somebody else.
[48:35.800 --> 48:37.800]  They tell you something completely different.
[48:37.800 --> 48:42.800]  And the one thing that frustrates me to no end is missing documentation.
[48:42.800 --> 48:48.800]  I'm careful and fastidious about, you know, right to low numbers at the bottom of all my faxes.
[48:48.800 --> 48:50.800]  And the foreclosure clock is ticking.
[48:50.800 --> 48:52.800]  We've got 10 days before the sale.
[48:52.800 --> 48:56.800]  And everything that I submitted number four that they've already told me that they received,
[48:56.800 --> 49:00.800]  somehow the paperwork got up and walked away overnight.
[49:00.800 --> 49:03.800]  And everything that we sent them is gone.
[49:03.800 --> 49:07.800]  And we have to, the loan has been taken out of review.
[49:07.800 --> 49:12.800]  And now we're back in foreclosure with five days before the sale.
[49:12.800 --> 49:14.800]  And we have to start all over again.
[49:14.800 --> 49:19.800]  And no one can give us an explanation for where everything that we've done went.
[49:19.800 --> 49:29.800]  Yeah, these are issues that the end contract law are the bank's issues, not your issues.
[49:29.800 --> 49:32.800]  Do you record any of your conversations?
[49:32.800 --> 49:35.800]  I do not.
[49:35.800 --> 49:41.800]  I'm going to suggest you record every single one of them.
[49:41.800 --> 49:52.800]  In Texas, you are absolutely authorized to record any conversation to which you are a party
[49:52.800 --> 50:01.800]  or to which the parties in the conversation have no reasonable expectation of privacy.
[50:01.800 --> 50:10.800]  For instance, I'm sitting in a restaurant and the people at the next table are talking loud enough that I can put a recorder on the table where I'm at
[50:10.800 --> 50:13.800]  and record their conversation.
[50:13.800 --> 50:21.800]  If they're talking loud enough in public that I can hear it, they have no reasonable expectation of privacy.
[50:21.800 --> 50:29.800]  If you ever go to the police department or to a visit somebody in jail, they're going to tell you you have no expectation of privacy.
[50:29.800 --> 50:37.800]  And when you're in conversation with someone, you have no expectation of privacy from the person you're talking to.
[50:37.800 --> 50:48.800]  One of the favorite things I've ever done was told the county sheriff that I was an old combat veteran and got my ears blown out over there with all that racket.
[50:48.800 --> 50:56.800]  Will you look and speak clearly into my pen, please?
[50:56.800 --> 50:59.800]  He didn't take that well, told me I couldn't record him.
[50:59.800 --> 51:00.800]  I said, of course I can.
[51:00.800 --> 51:02.800]  Look, let me show you.
[51:02.800 --> 51:05.800]  But I would suggest you record every one of them.
[51:05.800 --> 51:12.800]  These, this will give us incredible things, everything in law.
[51:12.800 --> 51:25.800]  It goes down to a reasonable, an ordinary person of reasonable, I'm sorry, reasonable person of ordinary prudence.
[51:25.800 --> 51:31.800]  They'll tell a jury, do not decide what you would do.
[51:31.800 --> 51:38.800]  Decide what a reasonable person of ordinary prudence would do.
[51:38.800 --> 51:41.800]  So everything will go to that standard.
[51:41.800 --> 51:51.800]  And we have a couple thousand years of sophistication in the commercial codes.
[51:51.800 --> 51:56.800]  And the commercial codes have addressed all of this stuff.
[51:56.800 --> 52:07.800]  If I give you disclosure, say I want to sell you a car.
[52:07.800 --> 52:12.800]  And you come and look at the car and you ask me about the car and I say it's a car.
[52:12.800 --> 52:13.800]  There it is.
[52:13.800 --> 52:15.800]  That's a car.
[52:15.800 --> 52:18.800]  I've given you no disclosure.
[52:18.800 --> 52:25.800]  And by not giving you any disclosure, I have not invoked a duty to give you full disclosure.
[52:25.800 --> 52:33.800]  But if I say it's the one owner, I've given disclosure.
[52:33.800 --> 52:40.800]  Now I have invoked a duty to tell you everything I know about that car.
[52:40.800 --> 52:46.800]  That could in any way affect your decision to purchase.
[52:46.800 --> 52:53.800]  This is well established in law when these guys at the bank tell you something.
[52:53.800 --> 53:02.800]  When they tell you that they will do a certain thing, that goes to promissory estoppel.
[53:02.800 --> 53:13.800]  And if a reasonable person of ordinary prudence would have reason to trust that they will do what they said they would do.
[53:13.800 --> 53:25.800]  And that reasonable person acted on that reasonable expectation and was harmed by thereby.
[53:25.800 --> 53:29.800]  That's a cause of action under civil law.
[53:29.800 --> 53:38.800]  In civil law, you can't just go in there and say the guy was a dirty rotten scoundrel and he harmed me this much.
[53:38.800 --> 53:40.800]  I want you to make him pay me some money.
[53:40.800 --> 53:51.800]  You can't just say that he went in and stole some money from me or he defrauded me.
[53:51.800 --> 53:58.800]  A cause of action like a criminal claim has elements.
[53:58.800 --> 54:11.800]  The cause of actions you bring to a civil case are as specific as claims, criminal complaints you would make in a criminal case.
[54:11.800 --> 54:19.800]  You would have to state the person did a certain thing like fraud by non-disclosure.
[54:19.800 --> 54:25.800]  The defendant gave disclosure to the plaintiff.
[54:25.800 --> 54:37.800]  The plaintiff believed that the plaintiff accepted the disclosure of defendant.
[54:37.800 --> 54:41.800]  Defendant failed to give full disclosure.
[54:41.800 --> 54:49.800]  Plaintiff had no knowledge of the information not revealed.
[54:49.800 --> 54:57.800]  If the information had been revealed, plaintiff would have made a different decision.
[54:57.800 --> 55:03.800]  Plaintiff made a decision through lack of full disclosure and was harmed thereby.
[55:03.800 --> 55:12.800]  You have to claim all of these elements in order to make a claim for fraud by non-disclosure.
[55:12.800 --> 55:19.800]  As I'm listening to you, this is about as blatant as this is worse.
[55:19.800 --> 55:23.800]  This is fraud per se.
[55:23.800 --> 55:40.800]  If someone looks you right in the eye and lies like a dog to you, it's not necessarily fraud unless what they told you that was untrue.
[55:40.800 --> 55:49.800]  They knew to be untrue and they knew had reason to believe that you did not know it was untrue.
[55:49.800 --> 55:54.800]  They intended for you to act on the truth of your statement.
[55:54.800 --> 55:58.800]  You did act on the truth of that statement and was harmed by there.
[55:58.800 --> 56:01.800]  That's fraud per se.
[56:01.800 --> 56:05.800]  That's harm as a matter of law.
[56:05.800 --> 56:10.800]  That was also criminal.
[56:10.800 --> 56:17.800]  Fraud by non-disclosure is not necessarily criminal.
[56:17.800 --> 56:25.800]  It would have to be pretty egregious, but from what you've said about these bankers, this is not just egregious.
[56:25.800 --> 56:36.800]  It's absolutely outrageous and it's hard for me to believe nobody has prosecuted them.
[56:36.800 --> 56:40.800]  So maybe it's time we started.
[56:40.800 --> 56:47.800]  So do we have any calls on topic?
[56:47.800 --> 56:51.800]  I don't see any calls at all.
[56:51.800 --> 56:58.800]  Phone lines are open. 512-646-1984.
[56:58.800 --> 57:02.800]  Winston, how long did you work for Bank of America?
[57:02.800 --> 57:06.800]  I was there for six months.
[57:06.800 --> 57:11.800]  Six months. About how many modifications would you see?
[57:11.800 --> 57:17.800]  They said you had to do 20 a day. Did you normally tend to do that many?
[57:17.800 --> 57:24.800]  I was a supervisor, so personally I didn't have to do more than maybe five or ten a night.
[57:24.800 --> 57:30.800]  I always exceeded – I always went – whatever I required of my staff, that's what I did.
[57:30.800 --> 57:32.800]  So I always did my 20.
[57:32.800 --> 57:44.800]  But maybe what I did personally was walk around the aisle and go from seat to seat and answer questions that I knew that the underwriters would be asking.
[57:44.800 --> 57:50.800]  So for example, if someone submitted a form that I knew was going to cause a problem,
[57:50.800 --> 57:56.800]  I made sure these folks put copious notes so that they would get back to the homeowner
[57:56.800 --> 58:05.800]  so they could do it properly the first time instead of waiting six months and getting rejected.
[58:05.800 --> 58:08.800]  You know, I just did a quick calculation.
[58:08.800 --> 58:17.800]  $1,000 a piece at 20 a day. That's 40 grand a day per person that the bank is making.
[58:17.800 --> 58:21.800]  This is not chump change.
[58:21.800 --> 58:27.800]  Okay, hang on. This is Randy Kelton, Deborah Stevens, Eddie Craig. We've got radio.
[58:27.800 --> 58:31.800]  We're going to break. When we come back on the other side, we will be taking calls.
[58:31.800 --> 58:37.800]  This is the top of the hour break, so it will be about three minutes.
[58:37.800 --> 58:40.800]  If you have a question or comment, call back, call back in.
[58:40.800 --> 58:44.800]  We will take questions on any topics.
[58:44.800 --> 58:48.800]  Call in number again, 512-646-1984.
[58:48.800 --> 58:52.800]  Would you like to make more definite progress in your walk with God?
[58:52.800 --> 58:59.800]  Bibles for America is offering a free study Bible and a set of free Christian books that can really help.
[58:59.800 --> 59:04.800]  The New Testament recovery version is one of the most comprehensive study Bibles available today.
[59:04.800 --> 59:11.800]  It's an accurate translation, and it contains thousands of footnotes that will help you to know God and to know the meaning of life.
[59:11.800 --> 59:16.800]  The free books are a three-volume set called Basic Elements of the Christian Life.
[59:16.800 --> 59:26.800]  Chapter by chapter, Basic Elements of the Christian Life clearly presents God's plan of salvation, growing in Christ, and how to build up the church.
[59:26.800 --> 59:39.800]  To order your free New Testament recovery version and Basic Elements of the Christian Life, call Bibles for America toll free at 888-551-0102.
[59:39.800 --> 59:43.800]  That's 888-551-0102.
[59:43.800 --> 59:57.800]  Or visit us online at bfa.org.
[01:00:14.800 --> 01:00:19.800]  John Bush here with your Liberty Bee for March 22, 2013.
[01:00:19.800 --> 01:00:22.800]  Gold open today at $1,609.
[01:00:22.800 --> 01:00:25.800]  Silver at $28.98.96.
[01:00:25.800 --> 01:00:29.800]  And Bitcoin is trading at $72.95.
[01:00:29.800 --> 01:00:32.800]  Today's edition of Liberty Bee is sponsored and sponsored by Brave New Books.
[01:00:32.800 --> 01:00:36.800]  Your Central Texas supplier of One World Way and Tangy Tangerine.
[01:00:36.800 --> 01:00:40.800]  Online at bravenewbookstore.com.
[01:00:40.800 --> 01:00:43.800]  And now the news.
[01:00:43.800 --> 01:00:51.800]  A program aimed at rewarding people who blow the whistle on illegal gun owners has yet to show significant results as three police agencies in New York.
[01:00:51.800 --> 01:01:00.800]  In February of 2012, 11 months before the passage of NY SAFE Act, Governor Cuomo's office announced a four-pronged initiative to curb gun violence.
[01:01:00.800 --> 01:01:10.800]  One of the programs was a cash reward for citizens who lead police to the arrest and confiscation of illegal firearms.
[01:01:10.800 --> 01:01:14.800]  Known as the gun tip line, New Yorkers can call a toll free hotline to alert police if they believe someone they know has an illegal gun.
[01:01:14.800 --> 01:01:19.800]  The call would be picked up by state police and local law enforcement would be notified if the tip seemed reliable.
[01:01:19.800 --> 01:01:27.800]  If there was an arrest, the tipser would receive as much as $500.
[01:01:27.800 --> 01:01:37.800]  The U.S. government is expanding a cybersecurity program that scans internet traffic headed into and out of defense contractors to include far more of the country's private civilian-run infrastructure.
[01:01:37.800 --> 01:01:47.800]  As a result, more private sector employees than ever before, including those at big banks, utilities, and key transportation companies, will have their emails and web surfing scanned as a precaution against cyber attacks.
[01:01:47.800 --> 01:02:06.800]  Under last month's White House executive order on cybersecurity, the scans will be driven by classified information provided by U.S. intelligence agencies, including data from the National Security Agency on new or specifically serious espionage threats and other hacking attempts.
[01:02:06.800 --> 01:02:15.800]  Republican amendments to the Senate's budget proposal would require President Obama and Vice President Biden to get their medical care through the new exchanges created by Obama's signature healthcare law.
[01:02:15.800 --> 01:02:25.800]  Senators Susan Collins, Republican from Maine and Kelly Iote, Republican from New Hampshire, both offered amendments to move the President and Vice President into the healthcare law exchange.
[01:02:25.800 --> 01:02:31.800]  After the Affordable Care Act passed, the White House said Obama would enroll in exchange once the time came in 2014.
[01:02:31.800 --> 01:02:39.800]  Collins and Iote's amendment would require the President, the Vice President, and the Cabinet to put their premiums where their politics are.
[01:02:39.800 --> 01:02:58.800]  The Liberty Beat is sponsored in part by Peer Rain, chemical and fluoride-free bottled water available at Central Market and Whole Foods grocery stores, online at PeerRainUSA.com, and by Central Texas Gun Works, self-defense training CHL courses and firearm sales, online at CentralTexasGunWorks.com.
[01:03:10.800 --> 01:03:23.800]  I read his book and he says he cares so much over the other side of you. These warm-hearted come by that time right there.
[01:03:23.800 --> 01:03:52.800]  Okay, we are back. I'm going to help David Steven and St. Craig move our radio. And we have George Sonny from Sonny, Georgia on.
[01:03:52.800 --> 01:03:57.800]  Hey, Randy. Hello, Sonny. Yes, sir.
[01:03:57.800 --> 01:04:04.800]  Okay, did you look at the Georgia Constitution during this interim?
[01:04:04.800 --> 01:04:33.800]  I did a search on policing power. I did not look directly at the Constitution and I did not find a direct answer other than it appears that the code gives policing powers to different agencies, but I don't have a clear and concise answer
[01:04:33.800 --> 01:04:35.800]  directly from the Constitution.
[01:04:35.800 --> 01:04:54.800]  Okay, okay. Here in Texas, the legislature appears to have given authority to the municipalities to write law. Our argument is that's ultra-virus.
[01:04:54.800 --> 01:05:08.800]  That's beyond the contract. The legislators are in a contract with us and the Constitution is the contract. And that contract did not grant them that authority.
[01:05:08.800 --> 01:05:20.800]  It granted them the authority to write law. It did not allow them to delegate that authority to someone else.
[01:05:20.800 --> 01:05:29.800]  And that's the argument we make here. Does that make sense?
[01:05:29.800 --> 01:05:48.800]  Yes, yes. I was also curious as to whether you would try to go after the jurisdiction before this court date comes up, the 30th of April.
[01:05:48.800 --> 01:06:02.800]  I wouldn't go after it before the court date. The fun thing about a challenge to subject matter jurisdiction is it can be filed at any time.
[01:06:02.800 --> 01:06:19.800]  The last case I walked into was a foreclosure on a property someone had written me a warranty deed to. And two hours before the court started, I handed a lawyer a 38-page challenge to subject matter jurisdiction.
[01:06:19.800 --> 01:06:27.800]  He got in the court and he was a whining and a crying and also had criminal charges against him in there.
[01:06:27.800 --> 01:06:34.800]  He didn't say this first. He said this later on. The objection should have been brought initially.
[01:06:34.800 --> 01:06:42.800]  He said, Your Honor, this motion should be dismissed because I only got it two hours before the court started.
[01:06:42.800 --> 01:06:52.800]  And I said, Your Honor, he knows better than that. This is not a motion. This is a pleading.
[01:06:52.800 --> 01:07:00.800]  And it is a challenge to subject matter jurisdiction and that may be made at any time.
[01:07:00.800 --> 01:07:05.800]  And I just said, Yeah, I know, I know.
[01:07:05.800 --> 01:07:12.800]  So good thing about subject matter jurisdiction, you don't have to give them notice of it.
[01:07:12.800 --> 01:07:21.800]  But you can. They're going to ignore it anyway. If you give them notice, it gives them more time to prepare.
[01:07:21.800 --> 01:07:31.800]  I suggest you look at the Texas at the Georgia Constitution and look at the delegation of power in the Constitution.
[01:07:31.800 --> 01:07:40.800]  Okay, I guarantee you it is not going to authorize the legislature to delegate the lawmaking authority.
[01:07:40.800 --> 01:07:48.800]  It's going to invest that authority in the legislature and no one else.
[01:07:48.800 --> 01:07:56.800]  So this is a great, a great argument to make because this is Eddie's argument. He came up with this.
[01:07:56.800 --> 01:08:04.800]  And it was absolutely an incredible insight.
[01:08:04.800 --> 01:08:10.800]  This is part of the reason that lawyers hate process.
[01:08:10.800 --> 01:08:30.800]  Because a lawyer wouldn't have he wouldn't have hit on this because he lives inside the lawyer box and he looks at things from the filter that he's through which he's experienced the law.
[01:08:30.800 --> 01:08:37.800]  It's hard for him to step outside and and look in fresh and clean.
[01:08:37.800 --> 01:08:46.800]  And that's really the good thing about process and why judges and lawyers hate us because we come up with all these interesting arguments.
[01:08:46.800 --> 01:09:02.800]  So that's the first one I would make is is the city making the claims against your friend or whoever under building codes or plumbing or electrical codes.
[01:09:02.800 --> 01:09:21.800]  It is it is a code for tree permit, cutting trees, land disturbance, getting within the buffer of the creek.
[01:09:21.800 --> 01:09:26.800]  Those those types of things.
[01:09:26.800 --> 01:09:42.800]  Okay, the reason I ask about the other was I like to beat up the municipalities and the local authorities, but sometimes we to pay attention.
[01:09:42.800 --> 01:09:46.800]  A lot of people really complain about the building codes.
[01:09:46.800 --> 01:09:49.800]  And I used to be a builder.
[01:09:49.800 --> 01:09:54.800]  And I learned not to complain about them.
[01:09:54.800 --> 01:10:03.800]  I lived in Chicago years ago and I remember when I was growing up, I was young at the time.
[01:10:03.800 --> 01:10:16.800]  The building department had this policy that every time they made a change in the code, they would get a spot on television and explain what they did and why.
[01:10:16.800 --> 01:10:30.800]  And I was absolutely astounded they came on one day and they said no more flexible conduit, you know this metal wrapped flexible conduit they put in buildings.
[01:10:30.800 --> 01:10:34.800]  They said no more flexible conduit over three feet long.
[01:10:34.800 --> 01:10:42.800]  I think three to five feet long a drop down from the header down to a plug in.
[01:10:42.800 --> 01:10:47.800]  That was the longest and that was about five to six feet.
[01:10:47.800 --> 01:10:53.800]  The receptacles to only 14 inches off the floor so you could come down from an eight foot header to that.
[01:10:53.800 --> 01:10:57.800]  And that was it.
[01:10:57.800 --> 01:11:11.800]  Because they said rats environments moving around in the attic had moved these flexible conduit back and forth enough to chase the wiring and cause a fire.
[01:11:11.800 --> 01:11:14.800]  We lost six people in this building.
[01:11:14.800 --> 01:11:20.800]  We lost 12 people in this building and we said no more of that.
[01:11:20.800 --> 01:11:26.800]  And I listened to that and I said okay, I can understand that.
[01:11:26.800 --> 01:11:37.800]  And if you look at the code, some of it looks really, really nitpicking where you have a piece of flexible conduit that comes into a box.
[01:11:37.800 --> 01:11:46.800]  There's a little plastic grommet you have to put around the wiring and slide it into that flexible conduit.
[01:11:46.800 --> 01:11:51.800]  That's because when you cut it off, it gets a little sharp edge on it.
[01:11:51.800 --> 01:12:06.800]  And over time, if there's any varmints, something moving that wire, any that flexible conduit anywhere, it'll move inside that right where it exits, eat through the insulation cause of fire.
[01:12:06.800 --> 01:12:12.800]  Everything in the code was put in there because they had problems.
[01:12:12.800 --> 01:12:16.800]  But this is not that kind of code.
[01:12:16.800 --> 01:12:30.800]  Even so, even if it has a great reason, like the traffic laws, traffic laws, they have a really rational reason.
[01:12:30.800 --> 01:12:31.800]  But they're making a difference.
[01:12:31.800 --> 01:12:34.800]  You didn't do it right.
[01:12:34.800 --> 01:12:40.800]  You don't get to apply law just because it's convenient.
[01:12:40.800 --> 01:12:51.800]  And while I, for the most part, agree with the building codes, the building codes will protect you from problems that will sneak up on you.
[01:12:51.800 --> 01:12:54.800]  And while I agree, there's a great idea.
[01:12:54.800 --> 01:13:02.800]  If you don't have authority to enforce, you may not enforce.
[01:13:02.800 --> 01:13:07.800]  So take them on.
[01:13:07.800 --> 01:13:12.800]  If the legislature wants to build in code, they can certainly pass it.
[01:13:12.800 --> 01:13:15.800]  We shouldn't be leaving this up to cities.
[01:13:15.800 --> 01:13:23.800]  Our founders did not envision, you know, they knew about municipalities because when they wrote the constitutions, we actually had cities.
[01:13:23.800 --> 01:13:29.800]  But at that time, so they knew all about cities.
[01:13:29.800 --> 01:13:35.800]  And they chose not to grant this authority to municipalities.
[01:13:35.800 --> 01:13:42.800]  And we may not presume that they, that that was some kind of a massive oversight.
[01:13:42.800 --> 01:13:45.800]  They didn't grant them that authority on purpose.
[01:13:45.800 --> 01:13:50.800]  I think you could make a really good argument here.
[01:13:50.800 --> 01:14:00.800]  Do you think a core warrento action would be in order?
[01:14:00.800 --> 01:14:04.800]  No, no, core warrento.
[01:14:04.800 --> 01:14:06.800]  Well, perhaps.
[01:14:06.800 --> 01:14:14.800]  No, core warrento would only go to a bona fide public official.
[01:14:14.800 --> 01:14:20.800]  And your position is he is not a bona fide public official.
[01:14:20.800 --> 01:14:29.800]  Core warrento is an action to remove a public official from office and it generally core warrento only goes to an elected official.
[01:14:29.800 --> 01:14:35.800]  You can't remove an employee core warrento as a rule.
[01:14:35.800 --> 01:14:50.800]  That reminds me, I did look up the official oppression for Georgia and that was only for legitimate public officials that are, I guess, either elected or appointed.
[01:14:50.800 --> 01:14:53.800]  Ah, no, no, no, no, no.
[01:14:53.800 --> 01:14:56.800]  There's more of this case law on that.
[01:14:56.800 --> 01:15:06.800]  Did the statute refer to a public official acting under color of law?
[01:15:06.800 --> 01:15:09.800]  I did not see anything about that.
[01:15:09.800 --> 01:15:11.800]  It's going to be there.
[01:15:11.800 --> 01:15:19.800]  If it's not in the statute, in the language of the statute, it's going to be in the case law.
[01:15:19.800 --> 01:15:29.800]  Because the biggest thing official oppression goes to is not somebody pretending to be a public official.
[01:15:29.800 --> 01:15:44.800]  But a public official failing to perform a duty he's required to perform or a public official exerting or purporting to exert an authority he does not expressly have.
[01:15:44.800 --> 01:15:49.800]  That's acting under color or pretense.
[01:15:49.800 --> 01:16:00.800]  Even if he has authority, if he doesn't have the one he's expressing, that becomes official oppression.
[01:16:00.800 --> 01:16:13.800]  So this person, whether he was a public official or not, if he held himself out as a public official, then he's acting under color authority.
[01:16:13.800 --> 01:16:21.800]  He's doing exactly the same thing a judge would do who acts without subject matter jurisdiction.
[01:16:21.800 --> 01:16:22.800]  No authority.
[01:16:22.800 --> 01:16:27.800]  He's purporting to exercise an authority he doesn't expressly have.
[01:16:27.800 --> 01:16:29.800]  Does that make sense?
[01:16:29.800 --> 01:16:31.800]  Yes, yes it does.
[01:16:31.800 --> 01:16:32.800]  Can I?
[01:16:32.800 --> 01:16:33.800]  Okay.
[01:16:33.800 --> 01:16:34.800]  Can I go through?
[01:16:34.800 --> 01:16:35.800]  Wait, wait, we're about to go to break.
[01:16:35.800 --> 01:16:36.800]  Hang on.
[01:16:36.800 --> 01:16:38.800]  We will pick you up on the other side.
[01:16:38.800 --> 01:16:40.800]  Mike from Texas, I see you there.
[01:16:40.800 --> 01:16:46.800]  We'll get to you when we come back or call it number 512-646-1984.
[01:16:46.800 --> 01:17:12.800]  We'll be right back.
[01:17:16.800 --> 01:17:45.800]  We'll be right back.
[01:17:45.800 --> 01:17:52.800]  We'll be right back.
[01:18:15.800 --> 01:18:41.800]  We'll be right back.
[01:18:41.800 --> 01:19:10.800]  We'll be right back.
[01:19:11.800 --> 01:19:33.800]  We'll be right back.
[01:19:33.800 --> 01:19:58.800]  We'll be right back.
[01:19:58.800 --> 01:20:06.800]  Okay, we are back.
[01:20:06.800 --> 01:20:09.800]  This is Randy Kelton, Debbie Stevens.
[01:20:09.800 --> 01:20:17.800]  We're here with our special guest, Winston Wallace, and we're talking to Sonny in Georgia.
[01:20:17.800 --> 01:20:20.800]  Okay, did you have something else for us, Sonny?
[01:20:20.800 --> 01:20:22.800]  Yes, sir.
[01:20:22.800 --> 01:20:32.800]  I could note if the code enforcement officer could be sued personally since the guy doing
[01:20:32.800 --> 01:20:37.800]  the work for the homeowner has been harmed because he can't do the work.
[01:20:37.800 --> 01:20:40.800]  There's a stop work order, so that's...
[01:20:40.800 --> 01:20:42.800]  Interfering with private contracts.
[01:20:42.800 --> 01:20:44.800]  Yes, sir.
[01:20:44.800 --> 01:20:54.800]  If that would probably be the way to go, they're going to claim that the individual has
[01:20:54.800 --> 01:21:00.800]  qualified immunity and you're going to say he has no such thing because he lacks
[01:21:00.800 --> 01:21:06.800]  subject matter jurisdiction to start with, no subject matter jurisdiction, no
[01:21:06.800 --> 01:21:13.800]  immunity of any kind, and it's generally best to go after the guy on the bottom.
[01:21:13.800 --> 01:21:20.800]  When we're talking about right at the end of our discussion on the modification issue,
[01:21:20.800 --> 01:21:26.800]  we go after the guys at the bottom that the banks put out there and get to do their dirty
[01:21:26.800 --> 01:21:28.800]  work for them.
[01:21:28.800 --> 01:21:31.800]  And for the most part, those people don't have a clue.
[01:21:31.800 --> 01:21:39.800]  And when you come back toward one of them criminally, their defense is going to be that
[01:21:39.800 --> 01:21:44.800]  they acted in good faith reliance on competent authority.
[01:21:44.800 --> 01:21:47.800]  And that's an affirmative defense.
[01:21:47.800 --> 01:21:53.800]  And then they point us right at that competent authority.
[01:21:53.800 --> 01:21:59.800]  It's kind of like that cop show when it first came out in Oregon, where they would pick
[01:21:59.800 --> 01:22:04.800]  up a drug user and take him back to the station, squeeze and get his pusher.
[01:22:04.800 --> 01:22:10.800]  His name, go get the pusher and get the dealer, squeeze the dealer, get the distributor and
[01:22:10.800 --> 01:22:12.800]  work their way up.
[01:22:12.800 --> 01:22:14.800]  So we take the guy on the bottom.
[01:22:14.800 --> 01:22:16.800]  We start slinging criminal charges at him.
[01:22:16.800 --> 01:22:20.800]  He's going to be terrified and he's going to feed us the rest of the way up.
[01:22:20.800 --> 01:22:26.800]  You sue this code enforcement officer and every code enforcement officer out there is going
[01:22:26.800 --> 01:22:31.800]  to get apoplexy.
[01:22:31.800 --> 01:22:36.800]  So what do you think?
[01:22:36.800 --> 01:22:45.800]  I think that my friend is listening and I think that should give him some good information
[01:22:45.800 --> 01:22:47.800]  and me as well.
[01:22:47.800 --> 01:22:52.800]  And I do have a quick story on a modification.
[01:22:52.800 --> 01:22:54.800]  Oh, good.
[01:22:54.800 --> 01:23:02.800]  I went through the modification process with the Bank of America.
[01:23:02.800 --> 01:23:06.800]  They sent me the offer in the mail.
[01:23:06.800 --> 01:23:12.800]  But what they did not send in any of the information, they did not tell me that they were going
[01:23:12.800 --> 01:23:20.800]  to ding my credit for 30, 60 and 90 days being late.
[01:23:20.800 --> 01:23:29.800]  And so they completely destroyed my credit because I was not late on the payment.
[01:23:29.800 --> 01:23:41.800]  You know that is a very specific cause of action, denying you credit.
[01:23:41.800 --> 01:23:43.800]  Okay.
[01:23:43.800 --> 01:23:53.800]  Yeah, they set you up, you weren't behind because you were acting under contract.
[01:23:53.800 --> 01:23:55.800]  And then they dinged your credit.
[01:23:55.800 --> 01:23:58.800]  We had a guy in New York.
[01:23:58.800 --> 01:24:04.800]  This was a lawyer, a friend of mine knew this lawyer who had this client and they called us
[01:24:04.800 --> 01:24:10.800]  and asked us what to do because he had tried to get a refinance.
[01:24:10.800 --> 01:24:13.800]  And the bank was trying to foreclose on him.
[01:24:13.800 --> 01:24:16.800]  They wanted to take the property.
[01:24:16.800 --> 01:24:22.800]  So they pulled a, they had lost one of his payments who claimed they did.
[01:24:22.800 --> 01:24:26.800]  And then they dinged his credit and didn't tell him about it.
[01:24:26.800 --> 01:24:33.800]  The next month he pays his payment and they dinged him again for being a payment behind.
[01:24:33.800 --> 01:24:41.800]  And the third month he got notification from the company he was trying to get the refinance
[01:24:41.800 --> 01:24:47.800]  through that they had denied his refinance because of these marks on his credit.
[01:24:47.800 --> 01:24:55.800]  And we talked to him and they actually went after the bank or criminally because we looked
[01:24:55.800 --> 01:25:02.800]  at what they did and demonstrated that this was clearly the payment they claimed to have
[01:25:02.800 --> 01:25:06.800]  lost the bank had cashed.
[01:25:06.800 --> 01:25:09.800]  So they clearly set him up so that he couldn't refinance.
[01:25:09.800 --> 01:25:16.800]  They were trying to take his building from him because he had like 80% equity in it.
[01:25:16.800 --> 01:25:19.800]  So they're trying to foreclose and steal the whole thing.
[01:25:19.800 --> 01:25:22.800]  And he got it, they fixed all that.
[01:25:22.800 --> 01:25:28.800]  But I don't think he pursued him for a major lawsuit, which he should have done.
[01:25:28.800 --> 01:25:36.800]  But this is very common and loss of credit is a very specific cause of action.
[01:25:36.800 --> 01:25:39.800]  How long ago was that?
[01:25:39.800 --> 01:25:42.800]  Several years ago.
[01:25:42.800 --> 01:25:47.800]  Maybe too long to still go after it.
[01:25:47.800 --> 01:25:51.800]  Maybe you can get him to do it again.
[01:25:51.800 --> 01:25:54.800]  Just for yucks.
[01:25:54.800 --> 01:26:02.800]  This is what we were talking about on the break is if the banks are going to commit this kind of fraud,
[01:26:02.800 --> 01:26:10.800]  then we would do well to be aware of the fraud going in.
[01:26:10.800 --> 01:26:15.800]  Go ahead and give them opportunity to commit the fraud.
[01:26:15.800 --> 01:26:24.800]  But since we know exactly what's going on, we wind up very carefully documenting the fraud.
[01:26:24.800 --> 01:26:28.800]  Didn't go back after them criminally and civilly.
[01:26:28.800 --> 01:26:33.800]  And when you're trying to put them in jail, good chance they're going to come to the table and make you a deal.
[01:26:33.800 --> 01:26:37.800]  You cannot pass up.
[01:26:37.800 --> 01:26:39.800]  Okay.
[01:26:39.800 --> 01:26:43.800]  Pass this off to another servicer.
[01:26:43.800 --> 01:26:51.800]  And which doesn't make any sense because I haven't made a payment in probably two years.
[01:26:51.800 --> 01:26:55.800]  So what kind of service are in their right mind would want to take that?
[01:26:55.800 --> 01:26:57.800]  They passed it.
[01:26:57.800 --> 01:27:02.800]  If they passed it to another servicer, they're getting ready to foreclose on you.
[01:27:02.800 --> 01:27:09.800]  They transfer it to a servicer who specializes in foreclosure.
[01:27:09.800 --> 01:27:21.800]  Bank of America, they already tried it and you helped me take them on in federal court.
[01:27:21.800 --> 01:27:31.800]  And I think they passed it off because they didn't want anything to do with this case.
[01:27:31.800 --> 01:27:37.800]  They'll probably give it to somebody else and whoever else they gave it to will come back at you.
[01:27:37.800 --> 01:27:42.800]  And we're developing a lot more tools to beat them up with.
[01:27:42.800 --> 01:27:45.800]  Well, thank you for all the hard work that you put in, Andy.
[01:27:45.800 --> 01:27:47.800]  Okay, you are welcome.
[01:27:47.800 --> 01:27:52.800]  Okay, we are going to go to Mike in Texas.
[01:27:52.800 --> 01:27:53.800]  Hi, Randy.
[01:27:53.800 --> 01:27:54.800]  Hello, Mike.
[01:27:54.800 --> 01:27:56.800]  What do you have for us today?
[01:27:56.800 --> 01:27:58.800]  How you doing, Randy?
[01:27:58.800 --> 01:27:59.800]  Doing good.
[01:27:59.800 --> 01:28:07.800]  This is a nice piece of crab house for 12 years and it's worked way, way less than I'm paying for it.
[01:28:07.800 --> 01:28:14.800]  But rent on anything even close to this size is way more.
[01:28:14.800 --> 01:28:16.800]  So I'm kind of between a rock and hard place.
[01:28:16.800 --> 01:28:29.800]  Now, they're raising my private mortgage insurance by, I don't know, $16 after paying on it for 12 years plus the original bank changed names.
[01:28:29.800 --> 01:28:31.800]  Whoa, hold on here.
[01:28:31.800 --> 01:28:33.800]  12 years?
[01:28:33.800 --> 01:28:35.800]  Yeah.
[01:28:35.800 --> 01:28:40.800]  What is your principle relative to the original principle?
[01:28:40.800 --> 01:28:45.800]  Because once it reaches 85%, you don't have to have private mortgage insurance anymore.
[01:28:45.800 --> 01:28:57.800]  Well, I guess because I'm buying a house from the mafia, they quit putting the principle paid on my mortgage statement about five or six years ago.
[01:28:57.800 --> 01:28:59.800]  They'll just say interest paid.
[01:28:59.800 --> 01:29:05.800]  And there isn't even a place for principle paid.
[01:29:05.800 --> 01:29:07.800]  Sue them.
[01:29:07.800 --> 01:29:09.800]  Sue them.
[01:29:09.800 --> 01:29:21.800]  Well, Fargo just paid a several million, like 800 and something million dollar fee for doing just exactly that.
[01:29:21.800 --> 01:29:23.800]  Oh.
[01:29:23.800 --> 01:29:30.800]  Well, I mean, I've asked him on the phone before, you know, how come, you know, put the principle paid anymore?
[01:29:30.800 --> 01:29:33.800]  He put it on maybe seven years ago.
[01:29:33.800 --> 01:29:39.800]  Then they just him and Han don't give me an answer.
[01:29:39.800 --> 01:29:41.800]  Well, get a hold of us off the air.
[01:29:41.800 --> 01:29:46.800]  We'll run a calculation on it and see what it actually should be.
[01:29:46.800 --> 01:29:47.800]  Then you get a good shot at them.
[01:29:47.800 --> 01:29:48.800]  Hang on.
[01:29:48.800 --> 01:29:49.800]  We're about to go to break.
[01:29:49.800 --> 01:29:51.800]  This is Randy Kelton, Debbie Stephen, Daddy Craig.
[01:29:51.800 --> 01:29:53.800]  We'll move our radio.
[01:29:53.800 --> 01:29:55.800]  Phone lines are open.
[01:29:55.800 --> 01:29:57.800]  512-646-1984.
[01:29:57.800 --> 01:29:59.800]  We'll be right.
[01:29:59.800 --> 01:30:02.800]  Could a virus make you fat?
[01:30:02.800 --> 01:30:06.800]  The study suggests that being overweight might not be all your fault after all.
[01:30:06.800 --> 01:30:35.800]  I'm Dr. Katherine Albrecht and I'll tell you more in just a moment.
[01:30:37.800 --> 01:30:44.800]  Think twice before blaming yourself or someone else for being overweight.
[01:30:44.800 --> 01:30:48.800]  A new study suggests a common childhood virus could be the culprit.
[01:30:48.800 --> 01:30:56.800]  Researchers found that children exposed to adenovirus 36, an infection that causes short-term gastrointestinal and respiratory symptoms,
[01:30:56.800 --> 01:31:00.800]  weighed an average of 52 pounds more than children who were never infected.
[01:31:00.800 --> 01:31:07.800]  Researchers believe this fat virus increases the body's fat cells and makes it harder for the body to break down mature fat cells later.
[01:31:07.800 --> 01:31:11.800]  The result is that people affected by the virus store more fat overall.
[01:31:11.800 --> 01:31:14.800]  So go easy on the next overweight person you see.
[01:31:14.800 --> 01:31:18.800]  Diet and exercise may not work as well for them as they do for you.
[01:31:18.800 --> 01:31:30.800]  Under Dr. Katherine Albrecht, more news and information at CatherineAlbrecht.com.
[01:31:30.800 --> 01:31:36.800]  A noble lie, Oklahoma City 1995 will change forever the way you look at the true nature of terrorism.
[01:31:36.800 --> 01:31:40.800]  Based on the damage patting to the building, but the government seems impossible.
[01:31:40.800 --> 01:31:44.800]  The grand jury did not want to hear anything I had to say.
[01:31:44.800 --> 01:31:47.800]  The decision was made not to pursue any more of those individuals.
[01:31:47.800 --> 01:31:52.800]  Some of these columns were ripped up, shredded, tossed around.
[01:31:52.800 --> 01:31:56.800]  The people that did the things they did knew doggone well what they were doing.
[01:31:56.800 --> 01:32:00.800]  Expose the cover up now at alobolive.com.
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[01:33:02.800 --> 01:33:04.800]  Looking for some truth?
[01:33:04.800 --> 01:33:05.800]  You found it.
[01:33:05.800 --> 01:33:12.800]  LogosRadioNetwork.com
[01:33:36.800 --> 01:33:40.800]  If you come with temptation
[01:33:42.800 --> 01:33:45.800]  They're trying to buy the whole place
[01:33:47.800 --> 01:33:51.800]  They want a voice in the nation
[01:33:53.800 --> 01:33:56.800]  Because they're falling from grace
[01:33:59.800 --> 01:34:01.800]  Okay, we are back.
[01:34:01.800 --> 01:34:05.800]  Randy Kelton, Debra Stevens, Wheelblower Radio
[01:34:05.800 --> 01:34:07.800]  Here with our special guest, Winston Wallace.
[01:34:07.800 --> 01:34:09.800]  Okay, Mike, where were we?
[01:34:09.800 --> 01:34:14.800]  Oh, you were saying something about two PNC.
[01:34:14.800 --> 01:34:17.800]  Well, I didn't tell you the name of them until right now.
[01:34:17.800 --> 01:34:21.800]  But, you know, I started off owing 81.
[01:34:21.800 --> 01:34:23.800]  That was the whole package.
[01:34:23.800 --> 01:34:29.800]  So after 12 years, this May, this past February,
[01:34:29.800 --> 01:34:32.800]  they sent me the, you know, the yearly statement.
[01:34:32.800 --> 01:34:34.800]  And I still owe 64,000.
[01:34:34.800 --> 01:34:37.800]  My interest is six and a half percent.
[01:34:37.800 --> 01:34:42.800]  But now they raised my PMI, I don't know, $16,
[01:34:42.800 --> 01:34:45.800]  which raises my monthly payment by that much.
[01:34:45.800 --> 01:34:49.800]  And I just feel like there's something wrong
[01:34:49.800 --> 01:34:51.800]  with this whole picture.
[01:34:52.800 --> 01:34:58.800]  Okay, go to remediesinrealestate.com
[01:34:58.800 --> 01:35:02.800]  Click on the calculate fraud page.
[01:35:02.800 --> 01:35:05.800]  Fill that out.
[01:35:05.800 --> 01:35:07.800]  And that'll email it to me.
[01:35:07.800 --> 01:35:12.800]  I'll run a calculation on it and see what you should,
[01:35:12.800 --> 01:35:17.800]  what your principle should be right now.
[01:35:17.800 --> 01:35:21.800]  Even though they don't even put it on the statement anymore.
[01:35:21.800 --> 01:35:24.800]  I guess they're real people.
[01:35:24.800 --> 01:35:26.800]  Well, I can tell you what it ought to be.
[01:35:26.800 --> 01:35:28.800]  Yeah.
[01:35:28.800 --> 01:35:31.800]  And then you can ask them what it is.
[01:35:31.800 --> 01:35:34.800]  And if their numbers don't match your numbers,
[01:35:34.800 --> 01:35:39.800]  then you can take them on.
[01:35:39.800 --> 01:35:44.800]  Well, I finally got a laptop,
[01:35:44.800 --> 01:35:48.800]  but now I'm trying to come up with money to get online.
[01:35:48.800 --> 01:35:49.800]  So.
[01:35:49.800 --> 01:35:50.800]  Okay.
[01:35:50.800 --> 01:35:54.800]  Does the laptop have a wireless unit?
[01:35:54.800 --> 01:35:56.800]  I guess so.
[01:35:56.800 --> 01:35:58.800]  I mean, I don't even have a manual for it.
[01:35:58.800 --> 01:36:02.800]  An uncle I hadn't seen in five years showed up in town
[01:36:02.800 --> 01:36:05.800]  and gave it to me, but you know, I'm still not using it.
[01:36:05.800 --> 01:36:07.800]  I'm kind of broke.
[01:36:07.800 --> 01:36:12.800]  Well, just go out in the middle of the street.
[01:36:12.800 --> 01:36:15.800]  Flag down the first 10-year-old, you see,
[01:36:15.800 --> 01:36:19.800]  and have them explain to you how this thing works.
[01:36:19.800 --> 01:36:23.800]  If you have a neighbor who doesn't have a password on their Wi-Fi,
[01:36:23.800 --> 01:36:25.800]  you can use your neighbors.
[01:36:25.800 --> 01:36:28.800]  Oh, okay.
[01:36:28.800 --> 01:36:32.800]  Well, I just feel I've been in my wheels in this place.
[01:36:32.800 --> 01:36:35.800]  When you flag down that 10-year-old?
[01:36:35.800 --> 01:36:37.800]  No, I ain't going to do this.
[01:36:37.800 --> 01:36:38.800]  I'll get away.
[01:36:38.800 --> 01:36:44.800]  Have them explain to you that this is the 21st century.
[01:36:44.800 --> 01:36:47.800]  They arrest people for flagging down 10-year-old.
[01:36:47.800 --> 01:36:51.800]  I'm going to do that.
[01:36:51.800 --> 01:36:54.800]  Okay.
[01:36:54.800 --> 01:36:56.800]  Well, good luck.
[01:36:56.800 --> 01:36:58.800]  All right.
[01:36:58.800 --> 01:36:59.800]  Okay.
[01:36:59.800 --> 01:37:00.800]  Thank you, Mike.
[01:37:00.800 --> 01:37:01.800]  Bye.
[01:37:01.800 --> 01:37:07.800]  Okay, now we're going to go to Lou in New Mexico.
[01:37:07.800 --> 01:37:08.800]  Hello, Lou.
[01:37:08.800 --> 01:37:11.800]  What do you have for us today?
[01:37:11.800 --> 01:37:14.800]  How are you doing, old buddy?
[01:37:14.800 --> 01:37:15.800]  Hello, Randy.
[01:37:15.800 --> 01:37:18.800]  Oh, this is that Lou.
[01:37:18.800 --> 01:37:21.800]  Moo Roos.
[01:37:21.800 --> 01:37:22.800]  It's the golds...
[01:37:22.800 --> 01:37:24.800]  Yes, Lou Roos.
[01:37:24.800 --> 01:37:27.800]  How are you doing?
[01:37:27.800 --> 01:37:31.300]  I've been putting the transmission into a big old truck today,
[01:37:31.300 --> 01:37:32.300]  I've been working.
[01:37:32.300 --> 01:37:35.800]  But, hey, I talked to you last week,
[01:37:35.800 --> 01:37:36.800]  and you know what,
[01:37:36.800 --> 01:37:40.800]  I'm sure glad that you're still out there kicking them damn tires.
[01:37:40.800 --> 01:37:45.800]  But now, you need to change over and kick them damn to turn you.
[01:37:45.800 --> 01:37:47.800]  Well, we are working on those.
[01:37:47.800 --> 01:37:56.880]  I have a bar grievance.net up and working, so you can go in there and tell it what state
[01:37:56.880 --> 01:38:07.880]  you're in, and within four questions, I can bring you to any particular standard, and
[01:38:07.880 --> 01:38:13.400]  the tool will help you write the complaint in the verbiage of the standard, and it will
[01:38:13.400 --> 01:38:24.280]  print it out for you on the state-specific form, and it will save a copy of it on our
[01:38:24.280 --> 01:38:33.040]  private server in Reykjavik, Iceland, with the file the complaint is in will be the name
[01:38:33.040 --> 01:38:40.320]  of the lawyer, the first name and last name concatenated, so if anybody does a search on
[01:38:40.320 --> 01:38:43.800]  this lawyer's name, they'll get a hit right on that grievance.
[01:38:43.800 --> 01:38:47.960]  All right, well, I'll tell you about it.
[01:38:47.960 --> 01:38:49.960]  That's going to make them real unhappy.
[01:38:49.960 --> 01:38:56.800]  I've been two years trying to get an ironclad case, as far as I'm concerned, brought to
[01:38:56.800 --> 01:39:02.400]  court, but they've been just dragging their feet, but you do realize we are trying to
[01:39:02.400 --> 01:39:04.720]  operate in an illegal legal system.
[01:39:04.720 --> 01:39:07.200]  You do know that, don't you?
[01:39:07.200 --> 01:39:09.440]  I know all about those arguments.
[01:39:09.440 --> 01:39:16.200]  Yeah, well, the entire time, when the President of the United States can be disbarred and still
[01:39:16.200 --> 01:39:20.920]  get to pick the President, that's got to say something about the Bar Association.
[01:39:20.920 --> 01:39:24.960]  Yes, this is my position.
[01:39:24.960 --> 01:39:34.160]  You will never win your case because you have the law and the facts on your side, to think
[01:39:34.160 --> 01:39:36.960]  so is naive.
[01:39:36.960 --> 01:39:40.160]  It is not that way now.
[01:39:40.160 --> 01:39:43.080]  It never has been that way.
[01:39:43.080 --> 01:39:53.440]  I read an interpretation of a plaque from 5,500 years ago, where a king proclaimed that he
[01:39:53.440 --> 01:40:02.120]  was reasserting the old law because those in positions of power and money had so perverted
[01:40:02.120 --> 01:40:07.880]  the law that the citizen could no longer achieve justice.
[01:40:07.880 --> 01:40:17.640]  If this has been going on for 5,500 years, it's not going to change tomorrow.
[01:40:17.640 --> 01:40:23.440]  We don't have to like it, but we do have to deal with it.
[01:40:23.440 --> 01:40:28.440]  But you see, when a person, I'm dyslexic, okay, so what you do in a matter of minutes
[01:40:28.440 --> 01:40:34.760]  takes me a matter of hours to be able to get through it.
[01:40:34.760 --> 01:40:40.640]  And for you to put out information like I can go in there and just fill in the form
[01:40:40.640 --> 01:40:49.680]  and do what needs to be done, says a lot for helping people, 80% of the people don't really
[01:40:49.680 --> 01:40:56.320]  give a damn what you're talking about, and that it's in 20% that are left, 10% of them
[01:40:56.320 --> 01:41:01.360]  could do something, but they don't have the wherewithal of the money or the connections
[01:41:01.360 --> 01:41:02.520]  to do it.
[01:41:02.520 --> 01:41:07.680]  And the last 10% are the ones that are cashing in on it, so they don't give a darn, so it
[01:41:07.680 --> 01:41:11.960]  looks like an exercise in futility.
[01:41:11.960 --> 01:41:13.960]  It's not.
[01:41:13.960 --> 01:41:15.960]  We don't need that 80%.
[01:41:15.960 --> 01:41:21.160]  All we need is three, four, maybe five percent.
[01:41:21.160 --> 01:41:23.680]  That's enough.
[01:41:23.680 --> 01:41:30.240]  I don't criticize those people who aren't focused where I am.
[01:41:30.240 --> 01:41:35.280]  We are all put here for our own purpose.
[01:41:35.280 --> 01:41:42.480]  Each one of us has our own path to follow, and it's fortunate that we don't need the
[01:41:42.480 --> 01:41:44.640]  masses to change things.
[01:41:44.640 --> 01:41:50.080]  If you look back in history, great change has never occurred because of the will of
[01:41:50.080 --> 01:41:52.040]  the masses.
[01:41:52.040 --> 01:42:01.200]  Great change has always occurred because of a person or a small group of people dedicated
[01:42:01.200 --> 01:42:08.640]  and active that invoked the masses, that motivated the masses.
[01:42:08.640 --> 01:42:11.640]  This is the way it's always worked.
[01:42:11.640 --> 01:42:18.360]  So if we can get 5%, we can change everything, and I see it coming.
[01:42:18.360 --> 01:42:26.800]  Yeah, I've been building tools to make the remedies more available, and after a long time
[01:42:26.800 --> 01:42:32.600]  of working research, these tools are beginning to come together, and I'm beginning to bring
[01:42:32.600 --> 01:42:36.040]  them up and online.
[01:42:36.040 --> 01:42:42.480]  I have one foreclosure that I'm bringing online that is a massive undertaking, but that one's
[01:42:42.480 --> 01:42:49.080]  coming together, and right behind it, we'll have an evaluation for criminal issues.
[01:42:49.080 --> 01:42:54.640]  With this questionnaire, you go in and answer the questions, and this thing will spit you
[01:42:54.640 --> 01:43:00.960]  out criminal complaints, bar grievances, judicial conduct complaints, motions and pleadings,
[01:43:00.960 --> 01:43:04.560]  everything you need to do to address your issue.
[01:43:04.560 --> 01:43:09.040]  This will make law available to the individual.
[01:43:09.040 --> 01:43:13.520]  The technology's right for it, the time is right for it.
[01:43:13.520 --> 01:43:17.920]  This could change everything.
[01:43:17.920 --> 01:43:18.920]  We get...
[01:43:18.920 --> 01:43:22.240]  Attorney's do not have to have insurance, do they?
[01:43:22.240 --> 01:43:26.000]  Wait, I couldn't understand you.
[01:43:26.000 --> 01:43:27.680]  Attorney's do not have to have insurance.
[01:43:27.680 --> 01:43:30.360]  It's only if they want to purchase it.
[01:43:30.360 --> 01:43:31.360]  Is that correct?
[01:43:31.360 --> 01:43:33.840]  Well, it depends on the state.
[01:43:33.840 --> 01:43:35.640]  Some states they do, some states they don't.
[01:43:35.640 --> 01:43:37.640]  They don't have to have it in Texas.
[01:43:37.640 --> 01:43:43.240]  But they are terrified, they're terrified of the malpractice suits.
[01:43:43.240 --> 01:43:45.720]  Okay, hang on, we're going to break.
[01:43:45.720 --> 01:43:53.280]  This is Randy Kelton and Deborah Stevens with Real Law Radio, our call in number 512-646-1984.
[01:43:53.280 --> 01:43:59.840]  We'll be right back.
[01:43:59.840 --> 01:44:04.800]  It is so enlightening to listen to 90.1 FM, but finding things on the Internet isn't so
[01:44:04.800 --> 01:44:08.400]  easy, and neither is finding like-minded people to share it with.
[01:44:08.400 --> 01:44:11.640]  Oh, well I guess you haven't heard of Brave New Books then.
[01:44:11.640 --> 01:44:12.640]  Brave New Books?
[01:44:12.640 --> 01:44:17.280]  Yes, Brave New Books has all the books and DVDs you're looking for by authors like Alex
[01:44:17.280 --> 01:44:22.240]  Jones, Ron Paul, Angie Ebert Griffin, they even stock inner food, Berkey products, and
[01:44:22.240 --> 01:44:23.240]  Calvin Soaps.
[01:44:23.240 --> 01:44:26.120]  There's no way a place like that exists.
[01:44:26.120 --> 01:44:31.360]  Go check it out for yourself, it's downtown at 1904 Guadalupe Street, just south of UT.
[01:44:31.360 --> 01:44:35.240]  Oh, by UT, there's never anywhere to park down there.
[01:44:35.240 --> 01:44:40.600]  Actually, they now offer a free hour of parking for paying customers at the 500 MLK parking
[01:44:40.600 --> 01:44:42.720]  facility just behind the bookstore.
[01:44:42.720 --> 01:44:46.560]  It does exist, but when are they open?
[01:44:46.560 --> 01:44:55.120]  Monday through Saturday, 11am to 9pm and 1-6pm on Sundays, so give them a call at 512-480-2503
[01:44:55.120 --> 01:45:00.440]  or check out their events page at BraveNewBookstore.com.
[01:45:00.440 --> 01:45:03.640]  Are you the plaintiff or defendant in a lawsuit?
[01:45:03.640 --> 01:45:10.440]  Win your case without an attorney with Jurisdictionary, the affordable, easy-to-understand 4CV course
[01:45:10.440 --> 01:45:13.440]  that will show you how in 24 hours, step-by-step.
[01:45:13.440 --> 01:45:18.120]  If you have a lawyer, know what your lawyer should be doing.
[01:45:18.120 --> 01:45:22.320]  If you don't have a lawyer, know what you should do for yourself.
[01:45:22.320 --> 01:45:27.280]  Thousands have won with our step-by-step course, and now you can too.
[01:45:27.280 --> 01:45:33.840]  Jurisdictionary was created by a licensed attorney with 22 years of case-winning experience.
[01:45:33.840 --> 01:45:38.480]  Even if you're not in a lawsuit, you can learn what everyone should understand about
[01:45:38.480 --> 01:45:42.840]  the principles and practices that control our American courts.
[01:45:42.840 --> 01:45:49.000]  You'll receive our audio classroom, video seminar, tutorials, forms for civil cases,
[01:45:49.000 --> 01:45:51.520]  pro se tactics, and much more.
[01:45:51.520 --> 01:46:00.520]  Please visit ruleoflawradio.com and click on the banner or call toll-free 866-LAW-EZ.
[01:46:21.520 --> 01:46:30.960]  Okay, we are back.
[01:46:30.960 --> 01:46:36.160]  Randy Kelton, Deborah Stephens, Eddie Craig, Rule of Law Radio, and we're talking to Lou
[01:46:36.160 --> 01:46:38.160]  in New Mexico.
[01:46:38.160 --> 01:46:43.440]  Okay, Randy, there's just one other question that I have.
[01:46:43.440 --> 01:46:45.440]  You've been to my property.
[01:46:45.440 --> 01:46:50.760]  My property taxes have not lowered in the last six years.
[01:46:50.760 --> 01:46:57.240]  The state says that they will compute the taxes according to the value of the market
[01:46:57.240 --> 01:47:04.920]  from the realtors in the area, and they can't raise them more than 3% a year.
[01:47:04.920 --> 01:47:11.760]  Well, we both know that the taxes have gone down, but I can't find, I mean the property
[01:47:11.760 --> 01:47:14.920]  values have gone down, the taxes have not.
[01:47:14.920 --> 01:47:25.320]  I cannot find the information to prove, if I go to court, that my values are less than
[01:47:25.320 --> 01:47:28.040]  the value they put on it for taxes.
[01:47:28.040 --> 01:47:29.960]  Okay, look on the Internet.
[01:47:29.960 --> 01:47:34.320]  There are websites that will give you that information.
[01:47:34.320 --> 01:47:36.440]  Okay, what is it?
[01:47:36.440 --> 01:47:43.320]  I don't have them in my head, but if you look to do a search for property values online,
[01:47:43.320 --> 01:47:45.120]  you'll find them.
[01:47:45.120 --> 01:47:51.760]  There are the free websites out there that will give you the values of properties around
[01:47:51.760 --> 01:47:56.640]  your ask any real estate agent, they can tell you where to find one of those programs.
[01:47:56.640 --> 01:47:58.200]  I've tried, and then they don't.
[01:47:58.200 --> 01:48:02.800]  I've asked brokers, they don't know.
[01:48:02.800 --> 01:48:04.280]  They know, but they're lying.
[01:48:04.280 --> 01:48:06.280]  They still don't.
[01:48:06.280 --> 01:48:10.440]  Okay, you must have- You're lying to me then.
[01:48:10.440 --> 01:48:15.920]  You must have scoundrel brokers, because there are absolutely programs out there where you
[01:48:15.920 --> 01:48:23.320]  can go online and select a property, and it'll tell you what the property's around it or
[01:48:23.320 --> 01:48:24.320]  value that.
[01:48:24.320 --> 01:48:30.800]  Oh, it'll tell you everything around me, the state property, there's no property around
[01:48:30.800 --> 01:48:31.800]  me.
[01:48:31.800 --> 01:48:41.320]  Then, well, there will be some property, I mean, there's property in New Mexico that's
[01:48:41.320 --> 01:48:43.840]  of a similar nature.
[01:48:43.840 --> 01:48:49.400]  I've tried that, Randy, I really have.
[01:48:49.400 --> 01:48:51.040]  Then I don't know what to tell you then.
[01:48:51.040 --> 01:48:56.360]  I'm telling you, there are programs out there that will map every piece of property in the
[01:48:56.360 --> 01:48:57.640]  county.
[01:48:57.640 --> 01:48:59.600]  Every single one of them, it'll show you.
[01:48:59.600 --> 01:49:04.560]  Every single one that's sold, how much it's sold for, and it will compare them to your
[01:49:04.560 --> 01:49:07.200]  property and tell you what your property should sell for.
[01:49:07.200 --> 01:49:11.160]  That's how these guys know how to calculate the value of the property.
[01:49:11.160 --> 01:49:14.000]  It's just out there, and you just haven't found it.
[01:49:14.000 --> 01:49:17.920]  I'll just have to keep digging.
[01:49:17.920 --> 01:49:21.720]  Find yourself a 10-year-old, they'll explain it to you.
[01:49:21.720 --> 01:49:22.720]  Hey.
[01:49:22.720 --> 01:49:23.720]  Yo, buzzard.
[01:49:23.720 --> 01:49:24.720]  Yo, buzzard, I'll tell you what.
[01:49:24.720 --> 01:49:25.720]  You have to come out and see me again.
[01:49:25.720 --> 01:49:32.720]  I'll pick up school with that brisket for you.
[01:49:32.720 --> 01:49:33.720]  Okay.
[01:49:33.720 --> 01:49:34.720]  Thank you.
[01:49:34.720 --> 01:49:35.720]  Hi, Randy.
[01:49:35.720 --> 01:49:36.720]  Okay.
[01:49:36.720 --> 01:49:37.720]  Have a good one.
[01:49:37.720 --> 01:49:38.720]  Thank you, Lou.
[01:49:38.720 --> 01:49:39.720]  Buddy, you're doing great.
[01:49:39.720 --> 01:49:40.720]  Okay.
[01:49:40.720 --> 01:49:43.720]  Now we're going to go to Lewis in Texas.
[01:49:43.720 --> 01:49:45.720]  How are you doing?
[01:49:45.720 --> 01:49:46.720]  Hello, Lewis.
[01:49:46.720 --> 01:49:47.720]  Hey, Randy.
[01:49:47.720 --> 01:49:49.720]  Thank you very much for taking my call.
[01:49:49.720 --> 01:49:56.720]  This is not a big problem compared to some people's problems I've listened to tonight.
[01:49:56.720 --> 01:50:03.720]  I signed on with a phone company had an ad that they were promising 4G service.
[01:50:03.720 --> 01:50:06.720]  It was a phone company I was already with.
[01:50:06.720 --> 01:50:11.720]  I called several other phone companies because I needed 4G because I wanted to get on the
[01:50:11.720 --> 01:50:13.720]  Internet using my telephone.
[01:50:13.720 --> 01:50:19.920]  I went into the phone company itself to one of their little subdivision offices and they
[01:50:19.920 --> 01:50:20.920]  promised 4G.
[01:50:20.920 --> 01:50:24.720]  They've got signs all over the wall promising 4G.
[01:50:24.720 --> 01:50:29.720]  Well, I didn't get 4G and it's got to do with the place where I'm living.
[01:50:29.720 --> 01:50:31.720]  I mean, that's not their fault.
[01:50:31.720 --> 01:50:34.720]  That's just the way it is.
[01:50:34.720 --> 01:50:36.480]  I complained to them.
[01:50:36.480 --> 01:50:39.720]  They sent me out like a booster to boost the signal up.
[01:50:39.720 --> 01:50:40.720]  That didn't work.
[01:50:40.720 --> 01:50:45.720]  They kept claiming through a pattern of practice or just leaving me on and made us stupid.
[01:50:45.720 --> 01:50:49.720]  They kept saying that you need to call back in another five days.
[01:50:49.720 --> 01:50:54.720]  We're going to send an engineer out and we'll have an engineering report and blah, blah,
[01:50:54.720 --> 01:50:55.720]  blah, blah.
[01:50:55.720 --> 01:50:59.720]  13 months later, I finally ported my number to another telephone company.
[01:50:59.720 --> 01:51:07.220]  Of course, Company A, which I signed into your contract with, sent me a letter asking
[01:51:07.220 --> 01:51:11.520]  for the remainder of the year.
[01:51:11.520 --> 01:51:18.400]  Right around it ended up being around $1,000 and I sent them back a do not contact letter.
[01:51:18.400 --> 01:51:20.960]  They've contacted me three times since then.
[01:51:20.960 --> 01:51:25.600]  They've had a collection agency contact me and as soon as you'll send copies of the do
[01:51:25.600 --> 01:51:31.840]  not contact letter, in the do not contact letter, I do not think I needed to but I went
[01:51:31.840 --> 01:51:36.920]  into the details but I'm giving you now.
[01:51:36.920 --> 01:51:37.920]  It's sort of gone on and on.
[01:51:37.920 --> 01:51:42.720]  They keep saying, you know, we'll sign, we'll re-sign up and we'll let you let all this
[01:51:42.720 --> 01:51:45.720]  past money go.
[01:51:45.720 --> 01:51:53.600]  Just assume, put out a JP court, cost you $60 to file suit against them.
[01:51:53.600 --> 01:52:04.920]  That'll get them hopping and jumping, accuse them of fraud and deceptive trade practices.
[01:52:04.920 --> 01:52:05.920]  Yeah, that's the one.
[01:52:05.920 --> 01:52:11.920]  I read the stats, you know, I think they're probably doing this to other people too.
[01:52:11.920 --> 01:52:16.320]  Do you think it would be worth my while as I was going to go to the JP court but in addition
[01:52:16.320 --> 01:52:20.760]  to that, turning it over to Greg Abbott or not?
[01:52:20.760 --> 01:52:23.200]  Greg Abbott won't do anything.
[01:52:23.200 --> 01:52:24.200]  Okay.
[01:52:24.200 --> 01:52:26.800]  He's got bigger fish to fry.
[01:52:26.800 --> 01:52:35.880]  But if you send them a tort letter and ask them to return to you all the money you need
[01:52:35.880 --> 01:52:43.280]  and you pay them, they can make up for all of the annoyance and frustration and emotional
[01:52:43.280 --> 01:52:51.560]  stress and demand that they forgive you all of this and make you whole or be sued, then
[01:52:51.560 --> 01:53:00.360]  you wait 30 days and tell them, if you haven't made me whole by this date, I will file suit
[01:53:00.360 --> 01:53:04.880]  and on that date, file suit.
[01:53:04.880 --> 01:53:05.880]  Okay.
[01:53:05.880 --> 01:53:11.120]  That'll tell them you're not screwing around with them.
[01:53:11.120 --> 01:53:14.920]  Almost certainly they will make, they will decide that they don't need all that money
[01:53:14.920 --> 01:53:18.520]  after all.
[01:53:18.520 --> 01:53:21.320]  They only steal from the ones who allow them to.
[01:53:21.320 --> 01:53:23.440]  If they made me whole, I would like to be made whole.
[01:53:23.440 --> 01:53:29.320]  I feel that they led me on to this, you know, we're sending an engineer out, we're sending
[01:53:29.320 --> 01:53:32.560]  an engineer out and they didn't.
[01:53:32.560 --> 01:53:43.720]  Well, read the code and write your accusation in the verbiage of the code and I suggest
[01:53:43.720 --> 01:53:52.800]  that you write a lawsuit, statement of facts and then a statement of factual accusation
[01:53:52.800 --> 01:53:59.520]  and then assertion of causes of action.
[01:53:59.520 --> 01:54:06.280]  And instead of putting a court header on it, you put a business letter header on it and
[01:54:06.280 --> 01:54:11.760]  then sign it and send it to them and when their legal staff reads it, they're reading
[01:54:11.760 --> 01:54:18.000]  the lawsuit they're going to get, so they're going to know you're not kidding.
[01:54:18.000 --> 01:54:22.800]  Where do I look online and find out where their legal office is or do I just send it
[01:54:22.800 --> 01:54:27.600]  to these crazy people that have been sending because they sent letters from all over the
[01:54:27.600 --> 01:54:28.600]  United States?
[01:54:28.600 --> 01:54:32.800]  Notice to agent is notice to principal.
[01:54:32.800 --> 01:54:40.040]  Who is their agent, the person that sends it to anybody who claims to be an agent for
[01:54:40.040 --> 01:54:46.520]  the company, anybody who runs an office, just send it to whatever their standard address
[01:54:46.520 --> 01:54:47.520]  is.
[01:54:47.520 --> 01:54:48.520]  Okay.
[01:54:48.520 --> 01:54:54.560]  You don't have to find the right place to send it, they do.
[01:54:54.560 --> 01:54:55.560]  Okay.
[01:54:55.560 --> 01:54:56.560]  Okay.
[01:54:56.560 --> 01:54:57.560]  Great.
[01:54:57.560 --> 01:55:03.640]  Yeah, if it were different, they would just say, well, you didn't send it to the right
[01:55:03.640 --> 01:55:06.360]  person, you had to send it to this other person.
[01:55:06.360 --> 01:55:14.160]  Well, you're not privy to their internal decision making and hiring practices, so whoever gets
[01:55:14.160 --> 01:55:16.840]  it has to give it to whoever should have.
[01:55:16.840 --> 01:55:17.840]  Okay.
[01:55:17.840 --> 01:55:18.840]  Go ahead.
[01:55:18.840 --> 01:55:19.840]  Okay.
[01:55:19.840 --> 01:55:20.840]  No, that's it.
[01:55:20.840 --> 01:55:21.840]  That's it.
[01:55:21.840 --> 01:55:22.840]  I appreciate it.
[01:55:22.840 --> 01:55:23.840]  I'm on it.
[01:55:23.840 --> 01:55:24.840]  Okay.
[01:55:24.840 --> 01:55:26.840]  That ought to get them hopping.
[01:55:26.840 --> 01:55:27.840]  Okay.
[01:55:27.840 --> 01:55:28.840]  Thank you very much.
[01:55:28.840 --> 01:55:29.840]  Okay.
[01:55:29.840 --> 01:55:30.840]  Thank you to us.
[01:55:30.840 --> 01:55:35.440]  Now, we're going to go to Rob in New Mexico.
[01:55:35.440 --> 01:55:42.840]  You probably know Lou, he's probably been buzzing your truck with that airplane of his.
[01:55:42.840 --> 01:55:43.840]  Hello.
[01:55:43.840 --> 01:55:44.840]  Hello, Rob.
[01:55:44.840 --> 01:55:46.840]  Did you fall asleep on us?
[01:55:46.840 --> 01:55:49.840]  No, you didn't unmute me.
[01:55:49.840 --> 01:55:53.840]  Oh, he must have took a minute to unmute.
[01:55:53.840 --> 01:55:59.840]  Do you ever get down around dimmings?
[01:55:59.840 --> 01:56:00.840]  Sometimes.
[01:56:00.840 --> 01:56:02.840]  I was just through there the other day.
[01:56:02.840 --> 01:56:06.840]  Yeah, he's losing a few miles out of dimmings.
[01:56:06.840 --> 01:56:09.840]  Give him my phone number and tell him to call me.
[01:56:09.840 --> 01:56:14.840]  We'll beat the stuff out of him together.
[01:56:14.840 --> 01:56:15.840]  Okay.
[01:56:15.840 --> 01:56:21.840]  Write it down to make sure I don't forget it.
[01:56:21.840 --> 01:56:23.840]  Okay.
[01:56:23.840 --> 01:56:24.840]  What do you have going today?
[01:56:24.840 --> 01:56:29.840]  Well, I got two off topic questions real quick.
[01:56:29.840 --> 01:56:39.840]  How would building codes affect a property that was sold as is?
[01:56:39.840 --> 01:56:41.840]  That's a good question.
[01:56:41.840 --> 01:56:45.840]  How long has the property been in the condition that it's in?
[01:56:45.840 --> 01:56:49.840]  Well, we were on a real estate contract.
[01:56:49.840 --> 01:56:54.840]  We moved in Christmas Eve of 2011.
[01:56:54.840 --> 01:56:57.840]  So we've been there not quite a year and a half.
[01:56:57.840 --> 01:57:02.840]  We closed on the real estate contract in March of last year.
[01:57:02.840 --> 01:57:10.840]  And as of July or August, we ended up having to have the heater,
[01:57:10.840 --> 01:57:13.840]  the water heater and the heater replaced.
[01:57:13.840 --> 01:57:19.840]  The water heater was leaking, burned out the heater because the wiring wasn't done right.
[01:57:19.840 --> 01:57:23.840]  And the guy that replaced it said it was nowhere near up to code.
[01:57:23.840 --> 01:57:25.840]  And it's written statement to that effect.
[01:57:25.840 --> 01:57:29.840]  It cost us three grand.
[01:57:29.840 --> 01:57:36.840]  That is an interesting question.
[01:57:36.840 --> 01:57:41.840]  Even though I was a builder for a while, I built donut shops.
[01:57:41.840 --> 01:57:45.840]  That's not an issue I've come across.
[01:57:45.840 --> 01:57:57.840]  If the city came to you, if I bought a property that's within the jurisdiction of a municipality,
[01:57:57.840 --> 01:58:00.840]  I would expect that that building be up to code.
[01:58:00.840 --> 01:58:07.840]  And if it's not, I would raise that issue with the municipality.
[01:58:07.840 --> 01:58:11.840]  Guys, you're not doing your job?
[01:58:11.840 --> 01:58:15.840]  What is the problem here?
[01:58:15.840 --> 01:58:16.840]  Okay, hang on.
[01:58:16.840 --> 01:58:19.840]  We will pick that up on the other side.
[01:58:19.840 --> 01:58:23.840]  This is Randy Kelton, David Stevens, Rue La Radio.
[01:58:23.840 --> 01:58:28.840]  Our call in number 512-646-1984.
[01:58:28.840 --> 01:58:31.840]  We will be going into our third hour.
[01:58:31.840 --> 01:58:32.840]  So the phone's jammed.
[01:58:32.840 --> 01:58:34.840]  We pick up toward the end.
[01:58:34.840 --> 01:58:35.840]  So give us a call.
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[01:59:07.840 --> 01:59:11.840]  First, this new translation is extremely faithful and accurate,
[01:59:11.840 --> 01:59:16.840]  but the real story is the more than 9,000 explanatory footnotes.
[01:59:16.840 --> 01:59:20.840]  Difficult and profound passages are opened up in a marvelous way,
[01:59:20.840 --> 01:59:26.840]  providing an entrance into the riches of the word beyond which you've ever experienced before.
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[01:59:46.840 --> 02:00:01.840]  That's freestudybible.com.