[00:00.000 --> 00:04.720]  This news brief brought to you by the International News Net.
[00:04.720 --> 00:12.120]  Senate leaders hoped Thursday to pass a $410 billion spending bill that awards big increases
[00:12.120 --> 00:15.440]  to domestic programs and is stuffed with earmarks.
[00:15.440 --> 00:21.440]  The bill contains nearly 8,000 pet projects worth $5.5 billion.
[00:21.440 --> 00:26.520]  Sri Lanka plans to open two safe routes to let tens of thousands of civilians trapped
[00:26.520 --> 00:28.680]  in a war zone escape.
[00:28.680 --> 00:33.960]  Sri Lankan soldiers have cornered Tamil Tiger rebels aiming to deliver a final blow to
[00:33.960 --> 00:36.240]  a long-running separatist war.
[00:36.240 --> 00:42.280]  Aid agencies warn low stocks of food risk a humanitarian catastrophe.
[00:42.280 --> 00:49.280]  Vijay Malya, chairman of India's UB Group, Thursday paid $1.8 million for personal items
[00:49.280 --> 00:51.320]  belonging to Mahatma Gandhi.
[00:51.320 --> 00:56.720]  Gandhi's metal rimmed glasses, pocket watch, sandals, bowl and plate will be displayed
[00:56.720 --> 00:58.000]  in India.
[00:58.000 --> 01:08.720]  Gandhi, the revered father of India, promoted non-violence, leading to India's independence.
[01:08.720 --> 01:13.080]  Following the International Criminal Court's issue of an arrest warrant for Sudanese President
[01:13.080 --> 01:19.000]  Omar Hassan al-Bashir, ten of the leading humanitarian groups in Sudan, including Doctors
[01:19.000 --> 01:23.160]  Without Borders and Oxfam, have been told to get out of the country.
[01:23.160 --> 01:28.760]  The London Times reports, the move has put the supply of food to 1.1 million people in
[01:28.760 --> 01:35.800]  doubt as the UN's World Food Program scrambles to find trucks to deliver sacks of grain.
[01:35.800 --> 01:40.600]  The ten organizations have been given 24 hours to leave the country.
[01:40.600 --> 01:45.680]  Catherine Bragg, the UN's Deputy Emergency Relief Coordinator, said, with the loss of
[01:45.680 --> 01:52.000]  these non-governmental organizations, 1.1 million people will be without food aid.
[01:52.000 --> 01:58.560]  1.1 million will be without health care, and over 1 million will be without potable water.
[01:58.560 --> 02:04.080]  The massive need will be placed in the lap of 2,600 local Sudanese aid groups, which
[02:04.080 --> 02:14.160]  have almost no hope of helping everyone.
[02:14.160 --> 02:19.160]  Bank of America's lawyers said Friday the bank will suffer grave and irreparable harm
[02:19.160 --> 02:25.960]  if Merrill Lynch employees who were paid $3.6 billion in bonuses are identified.
[02:25.960 --> 02:30.880]  The bonuses were paid just before Merrill Lynch was acquired by the bank.
[02:30.880 --> 02:35.360]  Bank of America Friday filed documents in state court to prevent New York Attorney General
[02:35.360 --> 02:42.440]  Andrew Cuomo from compelling former Merrill CEO John Thane to testify about the bonus
[02:42.440 --> 02:43.440]  recipients.
[02:43.440 --> 02:48.520]  The names bore no relevant relationship to Cuomo's investigation.
[02:48.520 --> 02:53.720]  The bank argued the information Cuomo seeks would reveal which business lines the banks
[02:53.720 --> 03:22.840]  believe to be most valuable, and enable competitors to poach the bank's top talent.
[03:24.720 --> 03:53.080]  Bank of America Friday filed documents in state court to prevent New York Attorney General
[03:53.080 --> 04:12.080]  Andrew Cuomo from compelling former Merrill CEO John Thane to testify about the bonus
[04:12.080 --> 04:34.320]  recipients.
[04:34.320 --> 04:42.480]  This is Deborah Stevens, I'm here with Randy Kelton, and we have our new hosts, Greg Chapman
[04:42.480 --> 04:44.920]  and Don Terry are with us.
[04:44.920 --> 04:45.920]  Hello?
[04:45.920 --> 04:46.920]  Hello?
[04:46.920 --> 04:49.520]  Yes, they're staying over.
[04:49.520 --> 04:53.800]  They are staying over this evening to discuss some mortgage issues, and I believe we have
[04:53.800 --> 04:56.040]  Tony Davis on the line with us.
[04:56.040 --> 05:00.040]  Tony, is that you?
[05:00.040 --> 05:02.040]  Tony?
[05:02.040 --> 05:04.040]  Okay.
[05:04.040 --> 05:06.040]  This is Cory in Oregon, but go ahead.
[05:06.040 --> 05:07.040]  Okay.
[05:07.040 --> 05:08.040]  All right.
[05:08.040 --> 05:09.040]  I'm sorry.
[05:09.040 --> 05:11.160]  We're a little bit missing a call screener at this point in time.
[05:11.160 --> 05:15.680]  We're expecting Tony Davis to call in, and it looked like it was his number, but okay.
[05:15.680 --> 05:20.200]  At any rate, we're waiting for Tony Davis to call in, and in the meantime, Greg, you
[05:20.200 --> 05:28.520]  wanted to tell a story about what is, about situation regarding mortgages in your area.
[05:28.520 --> 05:29.520]  Yeah.
[05:29.520 --> 05:33.880]  This kind of goes hand in hand with what Ken Magnuson was talking about recently in
[05:33.880 --> 05:34.880]  civil lawsuits.
[05:34.880 --> 05:43.800]  I had actually called in a long time ago, several times, and talked to Randy about civil issues.
[05:43.800 --> 05:44.800]  It was really new to me.
[05:44.800 --> 05:52.240]  I had worked with a good bit of the criminal stuff, but the civil was new.
[05:52.240 --> 05:54.280]  Being civil is new to you, huh?
[05:54.280 --> 05:55.280]  Yeah.
[05:55.280 --> 05:56.280]  Yeah.
[05:56.280 --> 06:02.560]  I don't want to touch that one, but anyway, so a situation arose where a friend of mine
[06:02.560 --> 06:04.400]  was being foreclosed on.
[06:04.400 --> 06:08.920]  Now, I know everybody's hearing about these foreclosures right now, and I've heard some
[06:08.920 --> 06:13.960]  talk around that, oh, this person, they can't make their payments.
[06:13.960 --> 06:16.840]  They can't make their payments, but what people are going to understand is that's not what's
[06:16.840 --> 06:18.240]  going on out there.
[06:18.240 --> 06:21.480]  I know in this particular situation, I saw the evidence.
[06:21.480 --> 06:26.760]  JP Morgan bought this out in January and foreclosed.
[06:26.760 --> 06:32.360]  Now when I say foreclosed, I mean they put the notice in the paper.
[06:32.360 --> 06:36.600]  I'm on Pacer, and I looked for the documents in Pacer.
[06:36.600 --> 06:37.600]  Nothing exists.
[06:37.600 --> 06:39.360]  There was actually no foreclosure action.
[06:39.360 --> 06:41.240]  They just simply put it in the newspaper.
[06:41.240 --> 06:44.480]  So they bought it in January, and they foreclosed in January.
[06:44.480 --> 06:47.760]  They sent his payment that he had made in January back to him.
[06:47.760 --> 06:50.600]  I saw it when he opened it up.
[06:50.600 --> 06:55.920]  So what we decided to do was two things, and you can cut me off any time because I know
[06:55.920 --> 06:56.920]  you've got callers.
[06:56.920 --> 06:57.920]  That's okay.
[06:57.920 --> 06:58.920]  Continue.
[06:58.920 --> 06:59.920]  Keep going.
[06:59.920 --> 07:06.280]  Just cut me off any time you need to, but we actually did two things.
[07:06.280 --> 07:10.840]  Don Terry did the out-of-the-box stuff, and I did the in-the-box.
[07:10.840 --> 07:15.480]  So we hit them from two different angles.
[07:15.480 --> 07:21.640]  What I did, did a little research, and the person who's being foreclosed on, he filed
[07:21.640 --> 07:27.000]  a lawsuit, a civil lawsuit in the circuit court.
[07:27.000 --> 07:28.000]  Civil complaints.
[07:28.000 --> 07:29.000]  Yeah.
[07:29.000 --> 07:32.840]  Civil complaint, and the cause of action was fraud.
[07:32.840 --> 07:37.440]  What we stipulated in there was that we don't believe that they even had the original note
[07:37.440 --> 07:42.240]  because I don't know how many people out there have heard this, but you sure need to know
[07:42.240 --> 07:43.240]  it.
[07:43.240 --> 07:45.880]  If somebody buys your mortgage, they had better have that original note.
[07:45.880 --> 07:47.360]  That is the one with the wet ink signature.
[07:47.360 --> 07:48.360]  Wet ink signature.
[07:48.360 --> 07:53.240]  And by the way, that public servant questionnaire we talked about on our show just before this
[07:53.240 --> 07:55.920]  one requires a wet ink signature.
[07:55.920 --> 07:59.200]  It says that in it, in the space for them to sign.
[07:59.200 --> 08:01.040]  It's got to be there.
[08:01.040 --> 08:05.440]  So if that mortgage company goes before a judge, and we have the case signing from a
[08:05.440 --> 08:06.440]  judge.
[08:06.440 --> 08:09.120]  I believe that was, was that Florida Supreme?
[08:09.120 --> 08:10.120]  Was it Supreme or Appeals?
[08:10.120 --> 08:11.120]  I don't think it was Supreme or Appeals.
[08:11.120 --> 08:12.120]  Six Judicial.
[08:12.120 --> 08:13.120]  Six.
[08:13.120 --> 08:14.120]  Six Judicial.
[08:14.120 --> 08:15.120]  Six Judicial.
[08:15.120 --> 08:16.120]  Six Judicial.
[08:16.120 --> 08:17.120]  No, Spring.
[08:17.120 --> 08:18.120]  No, Spring.
[08:18.120 --> 08:19.120]  Okay.
[08:19.120 --> 08:23.960]  At any rate, they stipulate in that that they have to produce the original note, not a copy
[08:23.960 --> 08:26.560]  of it, the original.
[08:26.560 --> 08:31.680]  When we hit them with that, he received a call last week, I believe it was Mike, last
[08:31.680 --> 08:36.480]  week from the attorney, basically saying, what do you want to work out on this?
[08:36.480 --> 08:42.160]  They had been treating him like a scum, and now they're treating him like a king.
[08:42.160 --> 08:46.960]  So for a little $280 fee for filing the lawsuit, all of a sudden, everything's turned around
[08:46.960 --> 08:53.840]  180 degrees, and Mike now is the plaintiff on this, and he has full control.
[08:53.840 --> 08:59.740]  So they're actually going to be painted into a further corner because we've got a line
[08:59.740 --> 09:04.200]  of questions that by the time they get finished answering them when they're deposed, it's
[09:04.200 --> 09:06.520]  going to prove that they committed fraud.
[09:06.520 --> 09:07.920]  So even got a letter.
[09:07.920 --> 09:11.040]  Now that's what we did in what I call in the box.
[09:11.040 --> 09:14.200]  You want to explain what you did out of the box, Don?
[09:14.200 --> 09:19.800]  Out of the box, we sent them the CFO acting in his, well, I couldn't find the CFO, so
[09:19.800 --> 09:25.840]  we did the CEO acting in his fiduciary capacity to do some things and acquire some things,
[09:25.840 --> 09:29.800]  and that wedding signature was part of it, and part of it selling the note.
[09:29.800 --> 09:34.960]  They sold the note several times, and it turns out the law kind of says you can't do that.
[09:34.960 --> 09:41.320]  So there was a number of things like that we did, plus some tax forms, a 1099 OID that
[09:41.320 --> 09:44.420]  was filled out, not for the bank.
[09:44.420 --> 09:47.520]  We weren't pretending we're the bank and we're filling it out.
[09:47.520 --> 09:57.120]  We filled it out for the person, but correcting what the bank had filled out.
[09:57.120 --> 09:58.760]  Some people tried to do it for the bank.
[09:58.760 --> 09:59.760]  We didn't do that.
[09:59.760 --> 10:03.680]  And you got a response back.
[10:03.680 --> 10:05.280]  Executive response team.
[10:05.280 --> 10:06.280]  Executive response team.
[10:06.280 --> 10:07.280]  Yeah.
[10:07.280 --> 10:10.560]  They're working on your issue, and they promise you that they clear it up really quick, right?
[10:10.560 --> 10:11.560]  Absolutely.
[10:11.560 --> 10:16.400]  So we've hit them from both angles, and I think the bottom line is I think he's not
[10:16.400 --> 10:19.920]  going to have to worry about a foreclosure, and I think he walks away with a piece of
[10:19.920 --> 10:21.200]  property, no mortgage or anything.
[10:21.200 --> 10:22.200]  He may get his note.
[10:22.200 --> 10:25.480]  Now, in this case, it wasn't a mortgage as such.
[10:25.480 --> 10:29.000]  He had the property outright, and he got a loan based on the property.
[10:29.000 --> 10:30.000]  Well, that's a mortgage.
[10:30.000 --> 10:33.120]  Yeah, but it's not like he went in and bought a brand new house.
[10:33.120 --> 10:35.080]  No, but anyway, it was mortgages.
[10:35.080 --> 10:40.680]  Anyway, so that's the story, and apparently that's the biggest thing going right now,
[10:40.680 --> 10:45.640]  that these loans have been sold off so many times that if a person will take advantage
[10:45.640 --> 10:50.440]  of it, they'll stop the whole process in its tracks right there.
[10:50.440 --> 10:52.280]  So that's it.
[10:52.280 --> 10:53.280]  That's my story.
[10:53.280 --> 10:55.400]  It goes to my philosophy.
[10:55.400 --> 10:59.280]  How do you defend yourself against a dog?
[10:59.280 --> 11:01.600]  Don't.
[11:01.600 --> 11:03.560]  Beat the crap out of it.
[11:03.560 --> 11:08.240]  Yeah, I like this executive response team.
[11:08.240 --> 11:10.240]  Yeah, that's cool, huh?
[11:10.240 --> 11:11.240]  That's pretty funny.
[11:11.240 --> 11:16.720]  They've got to come up with a whole response team for your friend here.
[11:16.720 --> 11:17.720]  Yeah.
[11:17.720 --> 11:23.160]  Well, the bottom line is, what I expect to happen in the next two weeks is that executive
[11:23.160 --> 11:27.920]  response team will actually do a set-off of the debt.
[11:27.920 --> 11:33.920]  And if that happens, we're not too worried about the lawsuit anyway, so he wins on either
[11:33.920 --> 11:34.920]  end.
[11:34.920 --> 11:39.560]  Yeah, a set-off is a zeroing of the account, a zeroing of the account.
[11:39.560 --> 11:47.480]  If they set off the account, then that's essentially stipulating that the lawsuit for fraud was
[11:47.480 --> 11:48.480]  proper.
[11:48.480 --> 11:49.480]  Yes.
[11:49.480 --> 11:50.480]  Absolutely.
[11:50.480 --> 11:51.480]  I'd say you're probably right there.
[11:51.480 --> 11:53.320]  That's what it looks like to me.
[11:53.320 --> 11:57.440]  And we've asked for monetary damages too from the court.
[11:57.440 --> 12:03.240]  And it seemed like, you know, what was neat, Randy, I think I told you before, for me,
[12:03.240 --> 12:10.840]  the involvement was my first time with a civil complaint, and I wasn't actually there at
[12:10.840 --> 12:14.100]  the filing, of course, Mike was.
[12:14.100 --> 12:16.480]  But they were very, very friendly, right, Mike?
[12:16.480 --> 12:21.000]  They were friendly and helped you out and everything, and were just...
[12:21.000 --> 12:24.880]  It's almost like they were glad to bring JP Morgan into the...
[12:24.880 --> 12:26.480]  See someone stand up.
[12:26.480 --> 12:27.480]  Yeah.
[12:27.480 --> 12:29.260]  It was beautiful.
[12:29.260 --> 12:35.640]  That's what I found in civil matters, it's a whole lot different.
[12:35.640 --> 12:40.080]  Because in a criminal matter, the judge has jurisdiction over you.
[12:40.080 --> 12:42.360]  In a civil matter, he does not.
[12:42.360 --> 12:45.280]  Oh, you know what?
[12:45.280 --> 12:48.680]  I never thought of it that way, but I understand what you're saying.
[12:48.680 --> 12:49.680]  That's right.
[12:49.680 --> 12:50.680]  Right.
[12:50.680 --> 12:57.040]  He has no hammer to hold, and he doesn't have a dog in this hunt, unless he's been paid
[12:57.040 --> 13:05.160]  by the other side, and then if you come in fighting, then, especially if you're pro se,
[13:05.160 --> 13:07.640]  you're a lot more dangerous.
[13:07.640 --> 13:10.720]  So they never know what you're going to do, they hate pro ses.
[13:10.720 --> 13:11.720]  Yeah.
[13:11.720 --> 13:14.800]  Attorneys have these professional courtesies.
[13:14.800 --> 13:15.800]  Yeah.
[13:15.800 --> 13:22.880]  As a matter of fact, yeah, in Alabama, I think I printed that off for you, Mike, the code
[13:22.880 --> 13:25.700]  of ethics with the bar.
[13:25.700 --> 13:29.720]  They cannot embarrass another attorney or anything like that.
[13:29.720 --> 13:30.720]  But we don't.
[13:30.720 --> 13:31.720]  Yeah, they-
[13:31.720 --> 13:32.720]  There's a whole lot more to it than that.
[13:32.720 --> 13:39.960]  I was talking to an attorney once in a courtroom that I had met before, and he was upset at
[13:39.960 --> 13:44.920]  a young attorney that he had just come out of the court with, because the attorney came
[13:44.920 --> 13:49.800]  in there and asked a question they never ask.
[13:49.800 --> 13:52.480]  And he said, the guy obviously doesn't know any better.
[13:52.480 --> 13:53.880]  We don't do that to each other.
[13:53.880 --> 13:57.320]  I'll make him pay for that.
[13:57.320 --> 14:00.480]  So they all know what the other one's going to do.
[14:00.480 --> 14:07.000]  The one goes to his files and he pulls out the standard motion, and then he charges his
[14:07.000 --> 14:11.760]  client as if he created that motion from scratch, and he hands it in.
[14:11.760 --> 14:15.720]  And then the other attorney goes and pulls out his standard response and charges his
[14:15.720 --> 14:18.720]  client as if he created it from scratch, and he hands that in.
[14:18.720 --> 14:23.080]  They all know what to do, what they're all going to do when they walk in the door.
[14:23.080 --> 14:26.240]  The game is rigged, in other words.
[14:26.240 --> 14:29.040]  The fix is in before it even starts.
[14:29.040 --> 14:31.960]  That's why they hate pro-says.
[14:31.960 --> 14:36.400]  And also a pro-say, you're there on your own time, it's costing this- they're burning hundreds
[14:36.400 --> 14:38.680]  of dollars an hour just to be in court.
[14:38.680 --> 14:46.120]  Yes, and pro-says ask all these annoying questions, and now they actually have to go back and
[14:46.120 --> 14:47.120]  do research.
[14:47.120 --> 14:51.360]  And they hate that, because they forgot how.
[14:51.360 --> 14:54.120]  Well, they just don't want to work.
[14:54.120 --> 14:57.560]  They'd rather be on the golf course.
[14:57.560 --> 15:04.120]  I recall one time, I was helping this guy over in DeKalb County, and this guy filed
[15:04.120 --> 15:15.640]  a motion to dismiss because the court only had 14 days to get the paperwork from district
[15:15.640 --> 15:18.160]  court to circuit court.
[15:18.160 --> 15:22.800]  And the judge freaked out, and he turned over to the prosecutor, he said, does the court
[15:22.800 --> 15:28.160]  have a time amount in order to get the paperwork up here?
[15:28.160 --> 15:32.960]  And that prosecutor starts thumbing through the rules of court, and he looked like a fool.
[15:32.960 --> 15:33.960]  He had no idea.
[15:33.960 --> 15:34.960]  He didn't find it.
[15:34.960 --> 15:39.800]  You haven't lived until you've seen a prosecutor frantically try to find something.
[15:39.800 --> 15:42.120]  To me, that's the whole fun of all this.
[15:42.120 --> 15:45.000]  I love that stuff, it's beautiful.
[15:45.000 --> 15:46.400]  People need to experience that.
[15:46.400 --> 15:49.560]  That's a lot better than any TV show, I'll tell you.
[15:49.560 --> 15:50.560]  To me, it is.
[15:50.560 --> 15:52.960]  You just have to bite your tongue and not laugh at them in court.
[15:52.960 --> 15:53.960]  That's kind of improper.
[15:53.960 --> 15:57.400]  Of course, I'm not telling Randy anything, am I?
[15:57.400 --> 16:01.600]  It's a lot more fun doing it to a judge.
[16:01.600 --> 16:10.400]  My favorite one was Bob Perkins, and Bob Perkins is a really jovial, upbeat individual.
[16:10.400 --> 16:14.160]  And he really took me well.
[16:14.160 --> 16:16.480]  I worked him over.
[16:16.480 --> 16:22.240]  Every objection he came up with, I dropped statute on him refuting it.
[16:22.240 --> 16:27.840]  And he never did lose his composure, but he really wanted to reach out and grab me by
[16:27.840 --> 16:28.840]  the throat.
[16:28.840 --> 16:29.840]  All right.
[16:29.840 --> 16:31.680]  Well, listen, we're going to break.
[16:31.680 --> 16:36.520]  We've got some callers on the line, Russell, Corey, Irvin, and we do have our call screener,
[16:36.520 --> 16:37.520]  by the way.
[16:37.520 --> 16:38.520]  It appears I just jumped the gun.
[16:38.520 --> 16:42.080]  I thought the number was Tony's before I let the screener handle it.
[16:42.080 --> 16:47.240]  So thank you call screener, Aaron, our good friend Aaron, helping us out tonight.
[16:47.240 --> 16:51.400]  We are going to break now the rule of law, Randy Kelton and Deborah Stevens.
[16:51.400 --> 16:52.400]  We'll be right back.
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[17:46.920 --> 17:56.440]  Please visit sleepwellinvestment.com or call Bill Schober at 817-975-2431.
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[18:12.080 --> 18:29.320]  Sleepwellinvestment.com or call 817-975-2431.
[18:29.320 --> 18:42.560]  Sleepwellinvestment.com or call 817-975-2431.
[18:42.560 --> 18:54.560]  Sleepwellinvestment.com or call 817-975-2431.
[18:54.560 --> 19:09.960]  All right, the rule of law, Randy Kelton and Debra Stevens, the oath they're not abiding.
[19:09.960 --> 19:13.040]  We ask the questions and they don't have the answers.
[19:13.040 --> 19:17.660]  Tyranny, Demeter, you Demeter, me Demeter up the country.
[19:17.660 --> 19:19.880]  Some three shoes posse for you.
[19:19.880 --> 19:21.560]  That's my band.
[19:21.560 --> 19:23.840]  And we're going to go on to your calls now.
[19:23.840 --> 19:28.680]  We were just joined with Greg Chapman and Don Terry from Agenda 21.
[19:28.680 --> 19:35.160]  Their show is on Friday evenings, 6 to 8 Central and Tuesday evenings, 8 to 10 Central.
[19:35.160 --> 19:37.160]  They've got a great show, guys.
[19:37.160 --> 19:40.280]  So everyone please tune in.
[19:40.280 --> 19:44.280]  On Tuesday evenings, they talk a little bit more about commercial stuff to pick up where
[19:44.280 --> 19:46.200]  Mike Bider left off.
[19:46.200 --> 19:50.160]  So Tuesday evenings, we've got your commercial law back for you.
[19:50.160 --> 19:54.440]  And in the meantime, we're going to go now to Corey in Oregon.
[19:54.440 --> 19:56.480]  Hey, Corey, thanks for calling in.
[19:56.480 --> 19:58.960]  What's on your mind tonight?
[19:58.960 --> 20:05.680]  What happens when you go to the county recorder's office and the district attorney for the county
[20:05.680 --> 20:10.880]  of Jackson, Oregon has no oath of office?
[20:10.880 --> 20:15.560]  You file criminal charges against him for impersonating a public official.
[20:15.560 --> 20:25.320]  And you take a criminal case and put the district attorney, his underling, and the trial court
[20:25.320 --> 20:37.400]  administrator as the fiduciary trustee debtor in the case to handle the charges and the
[20:37.400 --> 20:38.400]  fines and fees.
[20:38.400 --> 20:43.440]  Those are the two questions I pose.
[20:43.440 --> 20:50.680]  I'm not sure you can impose that particular, how do you get authority to impose that duty
[20:50.680 --> 20:51.680]  on the prosecutor?
[20:51.680 --> 20:58.640]  Well, it all comes down to they take the all-cap entity into court, and if they're the flesh
[20:58.640 --> 21:04.640]  and blood entity, not the straw man, then you should be able to appoint them as the
[21:04.640 --> 21:07.360]  trustee for that trust.
[21:07.360 --> 21:10.920]  What duty do they have to act as the trustee?
[21:10.920 --> 21:16.200]  Well, they're the people that's coming forward on an illegitimate...
[21:16.200 --> 21:17.200]  No, no, no.
[21:17.200 --> 21:18.200]  I'm not asking...
[21:18.200 --> 21:21.560]  No, see, this is a problem I tend to have.
[21:21.560 --> 21:27.640]  They have to have, before you can impose a duty on them, it has to be statutory.
[21:27.640 --> 21:29.160]  Okay.
[21:29.160 --> 21:32.920]  You can't just say, well, they should have this duty.
[21:32.920 --> 21:38.120]  Show me how I can apply this duty to them statutorily so I've got something I can hold
[21:38.120 --> 21:39.480]  them to it with.
[21:39.480 --> 21:45.560]  Well, if they have no oath of office, then they have a duty to...
[21:45.560 --> 21:47.040]  Wait, different issue.
[21:47.040 --> 21:48.040]  Okay.
[21:48.040 --> 21:51.680]  How do I hold them as fiduciary?
[21:51.680 --> 21:55.640]  I know there's grounds for this because they do this with these Treasury accounts.
[21:55.640 --> 22:02.240]  They appoint the Secretary of the Treasury as the fiduciary, but I've never had anybody
[22:02.240 --> 22:10.000]  show me where the Secretary of the Treasury has a duty to act as fiduciary.
[22:10.000 --> 22:12.600]  Now, you can appoint me anything you want to.
[22:12.600 --> 22:13.600]  Okay.
[22:13.600 --> 22:16.640]  And I don't have to be that unless I...
[22:16.640 --> 22:18.640]  You have to have a way to hold me to it.
[22:18.640 --> 22:31.000]  Well, if you go into Title 46, USC 1247, you are claiming, or I would be claiming, that
[22:31.000 --> 22:36.800]  I'm the live flesh and blood, not the corporate entity that they're taking into court.
[22:36.800 --> 22:37.800]  Okay.
[22:37.800 --> 22:47.880]  So, as they're taking the off fiction into court, you are then, it would be me, as the
[22:47.880 --> 22:49.880]  third party intervener.
[22:49.880 --> 22:50.880]  That sounds like an abatement.
[22:50.880 --> 22:58.280]  That sounds like the time for an abatement to me to say that, no, you're taking the wrong
[22:58.280 --> 22:59.920]  entity into court.
[22:59.920 --> 23:02.120]  That would be an abatement.
[23:02.120 --> 23:03.320]  Okay.
[23:03.320 --> 23:12.240]  They're coming at me in a criminal action of first degree, just say.
[23:12.240 --> 23:13.240]  Okay.
[23:13.240 --> 23:19.640]  They are lifting my corporate entity, the all cap entity, and this charge.
[23:19.640 --> 23:20.640]  Okay.
[23:20.640 --> 23:27.880]  For one, the grand jury, it was signed by a grand jury foreman, but there's no evidence
[23:27.880 --> 23:36.640]  that has been signed by the individuals making a complaint in this factor.
[23:36.640 --> 23:37.640]  I'm looking...
[23:37.640 --> 23:42.880]  So what I did is I turned around and did a commercial notice appointment of fiduciary
[23:42.880 --> 23:44.380]  trustee debtor.
[23:44.380 --> 23:52.640]  I'm looking at 46 USC 1247 in Lexis, and I get nothing.
[23:52.640 --> 23:58.280]  This table shows where sections of former Title 46 have been incorporated into the U.S.
[23:58.280 --> 23:59.280]  Code.
[23:59.280 --> 24:00.280]  Right.
[24:00.280 --> 24:07.160]  Where has it been incorporated?
[24:07.160 --> 24:08.160]  I'm not sure.
[24:08.160 --> 24:09.160]  This is...
[24:09.160 --> 24:12.560]  I have full Lexis here and I'm not finding it.
[24:12.560 --> 24:13.560]  Okay.
[24:13.560 --> 24:14.560]  That's annoying.
[24:14.560 --> 24:15.560]  Right.
[24:15.560 --> 24:23.960]  Okay, what does 46 USC 1247 state?
[24:23.960 --> 24:33.960]  From what is in this document, it says, where no living sentient being responsible to accept
[24:33.960 --> 24:41.240]  service of processes or documents that cannot appear in the court of the United States or
[24:41.240 --> 24:48.840]  act as a duly appointed transfer agent and cannot achieve party with real people.
[24:48.840 --> 24:51.640]  Oh, parity.
[24:51.640 --> 24:53.960]  Okay.
[24:53.960 --> 24:56.280]  This is annoying that I can't find it.
[24:56.280 --> 24:57.280]  Okay.
[24:57.280 --> 25:00.560]  This should give me the full...all the annotations.
[25:00.560 --> 25:01.560]  Okay.
[25:01.560 --> 25:02.560]  I'm sorry.
[25:02.560 --> 25:08.120]  I missed...you said that in this case, there was no verified criminal affidavit?
[25:08.120 --> 25:10.640]  No.
[25:10.640 --> 25:16.120]  We pulled...we went to the...filed this one paper into the court yesterday and they only
[25:16.120 --> 25:19.840]  had two sheets in the court file.
[25:19.840 --> 25:27.520]  We went to the DA's office and we filed this commercial notice of appointment and this
[25:27.520 --> 25:31.000]  lady turned around and says, well, what attorney are you hiring?
[25:31.000 --> 25:36.160]  And I said, well, no, I'm a private attorney general and I'll deal with this matter.
[25:36.160 --> 25:42.200]  She stormed off to...across the parking lot to another building and about half an hour
[25:42.200 --> 25:45.560]  later, she could have tore the doors off coming back.
[25:45.560 --> 25:49.520]  It took her about 15 minutes to recompose to get this file.
[25:49.520 --> 25:59.400]  And in the file, there's nothing other than this deal by the...called a true bill.
[25:59.400 --> 26:06.400]  And in the true bill, it says the...provided against peace and dignity of the state of
[26:06.400 --> 26:10.600]  Oregon and aggravated theft in the first degree.
[26:10.600 --> 26:21.120]  Have you read the Oregon's criminal procedure code concerning duties of grand juries?
[26:21.120 --> 26:22.600]  Part of it, yeah.
[26:22.600 --> 26:26.280]  What does it state is the duty of the grand jury in Oregon?
[26:26.280 --> 26:37.080]  To fully investigate and there's supposed to be a document who created the complaint.
[26:37.080 --> 26:42.880]  And this is where we don't have anybody that signed anything as far as it's created a complaint.
[26:42.880 --> 26:47.840]  Well, I was hoping for something a little bit more specific.
[26:47.840 --> 26:56.960]  It's pretty well constitutional federally that is followed by every state that every
[26:56.960 --> 27:01.720]  citizen has a right to be faced by his accuser.
[27:01.720 --> 27:07.800]  And one of the ways of causing that to be able to happen is you have to have an accuser.
[27:07.800 --> 27:08.800]  Right.
[27:08.800 --> 27:17.720]  And see, in this situation, they are saying that I stole the property of my significant other
[27:17.720 --> 27:20.880]  of 15 years and I talked to her last weekend.
[27:20.880 --> 27:21.880]  Wait, wait, wait.
[27:21.880 --> 27:24.360]  No, let's not go to merits yet.
[27:24.360 --> 27:25.360]  Right.
[27:25.360 --> 27:27.440]  Let's go back to grand juries and...
[27:27.440 --> 27:28.440]  Okay.
[27:28.440 --> 27:37.960]  If nobody has accused you of a crime, it generally takes a verified affidavit by some credible
[27:37.960 --> 27:42.120]  citizen to give the court subject matter jurisdiction.
[27:42.120 --> 27:50.160]  Now, in Texas, under duties of grand juries, it's 20.09, it says it shall be the duty of
[27:50.160 --> 27:56.260]  grand jury to investigate into all criminal accusations that come to their knowledge by
[27:56.260 --> 28:00.880]  way of the prosecuting attorney or any credible person.
[28:00.880 --> 28:06.200]  It says criminal accusation.
[28:06.200 --> 28:16.640]  That's a criminal complaint signed and verified, signed by some credible citizen before a notary.
[28:16.640 --> 28:18.000]  Okay.
[28:18.000 --> 28:26.560]  That's what they must have to give them subject matter jurisdiction and it gives you a accuser
[28:26.560 --> 28:28.920]  to be faced with.
[28:28.920 --> 28:31.320]  Yeah.
[28:31.320 --> 28:39.720]  The first thing I would raise is I would demand to be faced by my accuser and file a challenge
[28:39.720 --> 28:49.000]  to the jurisdiction claiming that the court has no jurisdiction as there is no accuser.
[28:49.000 --> 28:51.280]  Never get to the merits if you can avoid it.
[28:51.280 --> 28:52.280]  Right.
[28:52.280 --> 28:53.280]  That's fine.
[28:53.280 --> 28:57.000]  That gives the judge opportunity to exercise judicial discretion.
[28:57.000 --> 28:58.520]  We don't want him to get there.
[28:58.520 --> 28:59.520]  Okay.
[28:59.520 --> 29:00.520]  That's fine.
[29:00.520 --> 29:06.520]  But as opposed to subject matter jurisdiction, the judge is walking on thin ice here.
[29:06.520 --> 29:08.240]  All right.
[29:08.240 --> 29:15.960]  What I've been maintaining is that if a judge acts without subject matter jurisdiction,
[29:15.960 --> 29:21.200]  the normal knee-jerk reaction is to file a challenge to the jurisdiction.
[29:21.200 --> 29:26.800]  Well, if I go down to the uniform store and I rent me a uniform and buy me one of those
[29:26.800 --> 29:31.960]  little shiny badges and get me a little bubblegum machine, put it on my car and pull you over,
[29:31.960 --> 29:35.720]  are you going to file a challenge to my jurisdiction?
[29:35.720 --> 29:37.120]  I want the judge arrested.
[29:37.120 --> 29:38.120]  All right.
[29:38.120 --> 29:40.640]  Listen, Corey, hang on the line.
[29:40.640 --> 29:41.640]  We'll be right back.
[29:41.640 --> 29:42.640]  We're going to break.
[29:42.640 --> 29:43.640]  This is the rule of law.
[29:43.640 --> 29:44.640]  Randy Kelton and Deborah Stevens.
[29:44.640 --> 29:47.520]  We've got Russell from Texas, John from Austin.
[29:47.520 --> 29:48.840]  We'll be taking your calls.
[29:48.840 --> 29:49.840]  Coming right up.
[29:49.840 --> 29:50.840]  We'll be right back.
[29:50.840 --> 29:59.160]  Thank you.
[29:59.160 --> 30:03.160]  Gold prices are at historic highs, and with the recent pullback, this is a great time
[30:03.160 --> 30:04.160]  to buy.
[30:04.160 --> 30:08.640]  With the value of the dollar, risks of inflation, geopolitical uncertainties, and instability
[30:08.640 --> 30:12.160]  in world financial systems, I see gold going up much higher.
[30:12.160 --> 30:15.480]  Hi, I'm Tim Fry at Roberts and Roberts Brokerage.
[30:15.480 --> 30:19.200]  Everybody should have some of their assets in investment-grade precious metals.
[30:19.200 --> 30:23.160]  At Roberts and Roberts Brokerage, you can buy gold, silver, and platinum with confidence
[30:23.160 --> 30:28.160]  from a brokerage that's specialized in the precious metals market since 1977.
[30:28.160 --> 30:31.920]  If you are new to precious metals, we will happily provide you with the information you
[30:31.920 --> 30:36.280]  need to make an informed decision whether or not you choose to purchase from us.
[30:36.280 --> 30:40.680]  Also, Roberts and Roberts Brokerage values your privacy and will always advise you in
[30:40.680 --> 30:44.060]  the event that we would be required to report any transaction.
[30:44.060 --> 30:48.280]  If you have gold, silver, or platinum you'd like to sell, we can convert it for immediate
[30:48.280 --> 30:49.280]  payment.
[30:49.280 --> 30:52.920]  Call us at 800-874-9760.
[30:52.920 --> 31:22.640]  We're at Roberts and Roberts Brokerage, 800-874-9760.
[31:22.920 --> 31:37.600]  All right, we're back, the rule of law.
[31:37.600 --> 31:43.160]  Randy Kelton and Deborah Stevens, Chipping Everybody.
[31:43.160 --> 31:47.680]  We're doing something about it with Catherine Albrecht, of course, and we are speaking with
[31:47.680 --> 31:54.600]  Corey in Oregon right now, and we're discussing how we want to stay away from the merits of
[31:54.600 --> 32:00.400]  the case if at all possible so that we don't give the judge any grounds or room whatsoever
[32:00.400 --> 32:03.360]  to exercise judicial discretion.
[32:03.360 --> 32:11.840]  Well, he doesn't get there until the very first thing he must do is determine whether
[32:11.840 --> 32:14.040]  or not he has subject matter jurisdiction.
[32:14.040 --> 32:15.040]  Okay.
[32:15.040 --> 32:21.680]  So, if the judge doesn't have subject matter jurisdiction, what is he?
[32:21.680 --> 32:23.040]  He doesn't have a case.
[32:23.040 --> 32:26.520]  He's an imposter.
[32:26.520 --> 32:34.680]  He's impersonating a public official, an official with judicial authority, and he has none.
[32:34.680 --> 32:41.800]  This thing of asking the judge to rule that he doesn't have subject matter jurisdiction,
[32:41.800 --> 32:45.800]  that's asking a criminal to tell you that he's a criminal.
[32:45.800 --> 32:52.160]  If the judge is up there exerting jurisdiction when he doesn't have it, that's criminal.
[32:52.160 --> 32:56.260]  No different than me going out and wearing a uniform.
[32:56.260 --> 33:00.560]  We should move criminally against the judge in the first instance.
[33:00.560 --> 33:07.160]  It was the judge's duty to make sure he had subject matter jurisdiction before he attempted
[33:07.160 --> 33:10.360]  to exert an authority over you.
[33:10.360 --> 33:12.480]  Okay.
[33:12.480 --> 33:13.720]  That would be my suggestion.
[33:13.720 --> 33:16.160]  Go after that judge's throat.
[33:16.160 --> 33:17.160]  Okay.
[33:17.160 --> 33:24.400]  Judicial conduct complaint, criminal complaint, but first you need to...
[33:24.400 --> 33:30.840]  I'm looking at trying to dig into Oregon's criminal code.
[33:30.840 --> 33:33.480]  I've got parties to crimes.
[33:33.480 --> 33:39.920]  I'm having trouble finding where grand juries are, but I want to read exactly what their
[33:39.920 --> 33:40.920]  duties...
[33:40.920 --> 33:43.920]  George, this is 164.057 ORS.
[33:43.920 --> 33:44.920]  Okay.
[33:44.920 --> 33:45.920]  164.057.
[33:45.920 --> 33:57.280]  I'll search that out, but read what their duty is and read in front of the statute and
[33:57.280 --> 33:58.280]  back of the statute.
[33:58.280 --> 34:06.240]  Read that whole section because generally all of these codes are pretty well put together,
[34:06.240 --> 34:12.640]  and they're designed to pretty well cover most all situations that are going to come
[34:12.640 --> 34:15.360]  about.
[34:15.360 --> 34:21.240]  If you read through the whole code, and that's what most people never do, especially prosecutors
[34:21.240 --> 34:26.480]  and attorneys, they never read the whole thing.
[34:26.480 --> 34:34.720]  This concept of imperamateria, where all of the law is taking it as one piece.
[34:34.720 --> 34:38.600]  It all fits together very nicely.
[34:38.600 --> 34:46.640]  When I talk about these issues in Texas law, I go from Chapter 2 to Chapter 10 to 14 to
[34:46.640 --> 34:52.600]  17 to 15, and you pull all these together, and when you weave them together, they make
[34:52.600 --> 34:58.560]  perfect sense, but you have to go through the whole thing a couple of times.
[34:58.560 --> 35:03.880]  You go through it the first time, it's not going to make sense to you because the statutes
[35:03.880 --> 35:06.460]  aren't put in there in order.
[35:06.460 --> 35:13.820]  They pass the statute when the issue comes up, and then they put the statute in the code
[35:13.820 --> 35:16.800]  in the section that it goes with.
[35:16.800 --> 35:24.960]  So you may have something in Chapter 2 that was passed yesterday and Chapter 36 that was
[35:24.960 --> 35:29.040]  passed 20 years ago, so there's no real direct chronology to it.
[35:29.040 --> 35:35.000]  You need to read the whole thing, go back, read it again.
[35:35.000 --> 35:40.080]  Second time you read it, pieces start fitting in place.
[35:40.080 --> 35:45.200]  When I read Article 211, where it says, when a magistrate sits for the purpose of examining
[35:45.200 --> 35:51.480]  into a criminal accusation, that's an examining trial, then I say, oh, that's what Chapter
[35:51.480 --> 35:57.320]  16 was all about, but I couldn't make that connection the first time I read it.
[35:57.320 --> 36:04.840]  Read it twice, and then go back and take them apart on due process.
[36:04.840 --> 36:07.760]  They miss one step, they're out of here.
[36:07.760 --> 36:08.760]  Okay.
[36:08.760 --> 36:10.760]  Well, dude, I appreciate the help.
[36:10.760 --> 36:18.760]  I'd never heard of something, basically, all of the above-described conduct being contrary
[36:18.760 --> 36:27.360]  to the statute in such case made and provided, and against the peace and dignity of the state
[36:27.360 --> 36:28.360]  of Oregon.
[36:28.360 --> 36:32.160]  Wait a minute, that didn't make sense.
[36:32.160 --> 36:34.520]  Yeah, I'll read it to you.
[36:34.520 --> 36:35.520]  What are you reading?
[36:35.520 --> 36:46.360]  All of the above-described conduct being contrary to the statute in such case made and provided,
[36:46.360 --> 36:50.520]  and against the peace and dignity of the state of Oregon.
[36:50.520 --> 36:52.880]  Okay, you're reading the indictment.
[36:52.880 --> 36:53.880]  Yeah.
[36:53.880 --> 36:54.880]  Yeah.
[36:54.880 --> 37:00.160]  Generally, that language is prescribed in statute.
[37:00.160 --> 37:04.360]  I know most every state requires the statute to state that it's against the peace and dignity
[37:04.360 --> 37:12.320]  of the state, but there must be a criminal complaint alleging essentially the same thing,
[37:12.320 --> 37:20.880]  and it will allege that I have reason to believe and do believe, based on the following, and
[37:20.880 --> 37:27.640]  you give some details, that this person committed this criminal act.
[37:27.640 --> 37:35.160]  The only thing that we got out of the Jackson County Sheriff's Department was a narrative
[37:35.160 --> 37:36.160]  report.
[37:36.160 --> 37:37.160]  Okay.
[37:37.160 --> 37:39.440]  Now, is that a complaint?
[37:39.440 --> 37:40.440]  No.
[37:40.440 --> 37:45.280]  If it's not in the court record, it doesn't exist.
[37:45.280 --> 37:46.280]  Right.
[37:46.280 --> 37:51.920]  There was only two pieces of paper in that whole court record yesterday.
[37:51.920 --> 37:53.800]  Don't get confused about that.
[37:53.800 --> 37:57.040]  Doesn't matter who has what.
[37:57.040 --> 38:01.840]  Every case I've read on a challenge to the jurisdiction for a lack of criminal complaint
[38:01.840 --> 38:05.200]  in the court record was one paragraph.
[38:05.200 --> 38:15.920]  The court said, we examine the court record and find no criminal affidavit giving jurisdiction
[38:15.920 --> 38:19.160]  to the court.
[38:19.160 --> 38:22.960]  The case is reversed, the cause is dismissed.
[38:22.960 --> 38:24.320]  Okay.
[38:24.320 --> 38:29.520]  Everyone was the same, and it always said, we examine the court record, because that's
[38:29.520 --> 38:32.660]  all an appeals court can do.
[38:32.660 --> 38:37.600]  They can only look at the four corners of the file, of the record that comes to them.
[38:37.600 --> 38:39.800]  They can't look outside it.
[38:39.800 --> 38:40.960]  Right.
[38:40.960 --> 38:48.560]  That document that the police department has, has not been in the protection of the clerk
[38:48.560 --> 38:52.000]  of the court, so we don't know when it was produced.
[38:52.000 --> 38:55.160]  We don't know if it was changed once a week.
[38:55.160 --> 38:56.880]  We don't know anything about that.
[38:56.880 --> 38:57.880]  Okay.
[38:57.880 --> 39:00.160]  So none of that stuff exists.
[39:00.160 --> 39:01.160]  Okay.
[39:01.160 --> 39:05.920]  I'll go through the grand jury stuff and start hammering this in a different direction.
[39:05.920 --> 39:08.400]  I appreciate the help on this.
[39:08.400 --> 39:13.040]  Not only look in the grand jury stuff, and then look in the procedures, the criminal
[39:13.040 --> 39:14.480]  procedures.
[39:14.480 --> 39:17.880]  This is where I really hammer them in Texas.
[39:17.880 --> 39:26.880]  When a magistrate finishes, makes a probable cause determination, because a magistrate's
[39:26.880 --> 39:31.920]  not necessarily a judge, I mean a prosecutor, not necessarily learning counsel.
[39:31.920 --> 39:42.120]  He could be a mayor or a lay judge, what they call an inferior judge, who's not an attorney.
[39:42.120 --> 39:47.080]  The courts, the legislature commanded that that magistrate take all the documents that
[39:47.080 --> 39:54.360]  he used in making this determination, seal them in an envelope and forward them to the
[39:54.360 --> 39:56.720]  clerk of the court of jurisdiction.
[39:56.720 --> 40:03.160]  So that if you challenge the original probable cause determination as being insufficient,
[40:03.160 --> 40:07.040]  you have the records the magistrate had before him.
[40:07.040 --> 40:08.040]  They don't do that.
[40:08.040 --> 40:10.520]  So it denies you in the right.
[40:10.520 --> 40:14.400]  You can petition for a Frank's hearing, but you can't have one because there's no records
[40:14.400 --> 40:16.520]  to have it on.
[40:16.520 --> 40:22.840]  The court can't show that the original probable cause determination was proper.
[40:22.840 --> 40:30.400]  They can't even show that there was one and since the magistrate is commanded to send
[40:30.400 --> 40:37.360]  those to the clerk of the court, I want to know who's got them and what the heck they're
[40:37.360 --> 40:42.120]  doing with them to the exclusion of the clerk of the court.
[40:42.120 --> 40:47.360]  If you misdirect a document from the person or department is directed to in Texas, that's
[40:47.360 --> 40:48.360]  a felony.
[40:48.360 --> 40:49.360]  Okay.
[40:49.360 --> 40:54.800]  And you will find that kind of thing if you go through the code carefully.
[40:54.800 --> 40:55.800]  Okay.
[40:55.800 --> 40:56.800]  Thanks.
[40:56.800 --> 40:57.800]  I appreciate the help with this.
[40:57.800 --> 40:58.800]  Okay.
[40:58.800 --> 40:59.800]  Thank you.
[40:59.800 --> 41:00.800]  Good luck.
[41:00.800 --> 41:01.800]  Thank you for calling, Corey.
[41:01.800 --> 41:02.800]  You bet.
[41:02.800 --> 41:03.800]  All right.
[41:03.800 --> 41:08.280]  We're going to go on now to Russell in Texas.
[41:08.280 --> 41:10.680]  Russell, thanks for calling in.
[41:10.680 --> 41:11.680]  What's on your mind tonight?
[41:11.680 --> 41:16.560]  What you know, Randy wanted me to speak a little bit about foreclosures.
[41:16.560 --> 41:17.560]  Yes.
[41:17.560 --> 41:21.840]  I also, I got on a few minutes late, so who was the two gentlemen speaking at the first
[41:21.840 --> 41:22.840]  time?
[41:22.840 --> 41:24.200]  Oh, that was Greg Chapman and Don Terry.
[41:24.200 --> 41:25.680]  They're our newest hosts.
[41:25.680 --> 41:31.800]  They have a show called Agenda 21 on Friday nights from 6 to 8 Central and Tuesday nights
[41:31.800 --> 41:32.800]  from 8 to 10 Central.
[41:32.800 --> 41:33.800]  They're great.
[41:33.800 --> 41:34.800]  Are they here in Texas or what?
[41:34.800 --> 41:35.800]  They're in Alabama.
[41:35.800 --> 41:36.800]  Okay.
[41:36.800 --> 41:42.800]  Cause I was just curious about, cause you mentioned Alabama earlier and I was just kind of curious
[41:42.800 --> 41:47.440]  since he sued for fraud, they should be able to work this out, but you also may consider
[41:47.440 --> 41:50.480]  amending it to a quiet title action.
[41:50.480 --> 41:56.560]  That way that settles all issues, you know, the whole, once that person gets over this
[41:56.560 --> 41:57.560]  fraud thing.
[41:57.560 --> 42:02.800]  Oh, you quiet the title and that way you get a clean title with no lien against it.
[42:02.800 --> 42:03.800]  That's right.
[42:03.800 --> 42:09.840]  They settle everything and do not, you got monetary damages there big time.
[42:09.840 --> 42:12.840]  Do not settle for just pennies on a dollar.
[42:12.840 --> 42:24.320]  Now that was what I wanted to suggest is if it's fraud, then you go for pecuniary damage.
[42:24.320 --> 42:26.880]  Determine the damage, triple it and ask the court for that.
[42:26.880 --> 42:32.400]  And now you've got something that you can negotiate with.
[42:32.400 --> 42:36.520]  There's also something that people can do out there with all these criminals trying
[42:36.520 --> 42:42.200]  to confiscate all these houses now is there's what's called a RISPA letter, real estate
[42:42.200 --> 42:44.200]  settlement procedures act.
[42:44.200 --> 42:48.040]  I sent both Deborah and Randy a copy of it.
[42:48.040 --> 42:51.400]  People can fill this letter out as 20 pages long.
[42:51.400 --> 42:57.000]  It's not that complicated about filling it out, but you send it to your mortgage company
[42:57.000 --> 43:02.520]  by certified mail and if anybody's, whoever's coming after your home, you send a copy of
[43:02.520 --> 43:03.520]  it to them.
[43:03.520 --> 43:05.840]  By law, they have to stop.
[43:05.840 --> 43:06.840]  Foreclosure has to stop.
[43:06.840 --> 43:11.560]  Even if your house is going to be foreclosed at 10 o'clock tomorrow morning, if you fax
[43:11.560 --> 43:16.920]  that to the person that's doing a law firm or whoever's doing the foreclosure, they have
[43:16.920 --> 43:23.480]  to stop the foreclosure because that RISPA letter has to be answered by federal law.
[43:23.480 --> 43:30.800]  Now I successfully kept a friend of mine out of losing his house for over 10 years.
[43:30.800 --> 43:32.280]  And I hear the music.
[43:32.280 --> 43:33.280]  Yeah.
[43:33.280 --> 43:34.280]  Just hold on.
[43:34.280 --> 43:35.280]  Just hold on one second, Russell.
[43:35.280 --> 43:36.280]  We're going to break.
[43:36.280 --> 43:37.280]  And then we've also got John from Austin Callers.
[43:37.280 --> 43:59.880]  If you'd like to call in 512-646-1984, we'll be right back.
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[45:36.000 --> 45:49.920]  All right, we are back to Rule of Law, Randy Kelton and Debra Stevens here on Rule of Law
[45:49.920 --> 45:54.920]  Radio, ruleoflawradio.com.
[45:54.920 --> 45:57.560]  Not going to fool us with the same old tricks again.
[45:57.560 --> 46:06.160]  We're speaking with Russell in Texas, talking about foreclosures and remedies for foreclosures.
[46:06.160 --> 46:07.920]  Okay, go ahead, Russell.
[46:07.920 --> 46:09.760]  You were speaking when it cuts a break.
[46:09.760 --> 46:14.600]  As I was saying, I was helping a friend of mine, he was facing foreclosure for the last
[46:14.600 --> 46:19.320]  10 years, and we successfully stopped the foreclosures for the last 10 years up until
[46:19.320 --> 46:20.320]  last October.
[46:20.320 --> 46:25.000]  But since then, you know, he lost his house, but then we found out that they committed
[46:25.000 --> 46:29.080]  fraud by doing that, so we're getting ready to go after them for that.
[46:29.080 --> 46:36.360]  But this RISPA letter that we used about six years ago was Countrywide Home Loans Incorporated.
[46:36.360 --> 46:40.640]  And as soon as we sent that letter, within about a matter of about three weeks, we got
[46:40.640 --> 46:49.080]  a letter from the office of the CEO of the Countrywide Incorporated and everything else
[46:49.080 --> 46:52.920]  saying that this was an important matter and to please give us extra time.
[46:52.920 --> 46:58.160]  And I think they asked for an additional 60 days to respond and stuff, which we said,
[46:58.160 --> 47:00.680]  you know, that's fine, we didn't care.
[47:00.680 --> 47:05.120]  But it was almost a year and a half later before Countrywide decided to do anything.
[47:05.120 --> 47:10.960]  And then they sent a letter saying that our letter was basically kind of like an IRS letter.
[47:10.960 --> 47:14.120]  It's bogus and it's frivolous and all this kind of crap.
[47:14.120 --> 47:19.200]  Then they tried to proceed with foreclosure again, and we stopped them then.
[47:19.200 --> 47:21.560]  So the RISPA letter will work.
[47:21.560 --> 47:25.800]  I've heard it will work with you for up to 60 days.
[47:25.800 --> 47:29.960]  And of course, in the situation we used it in, it bought my friend another year and a
[47:29.960 --> 47:32.720]  half in the house at the time.
[47:32.720 --> 47:40.600]  Because this RISPA letter has been modified to where it asks all kinds of different questions.
[47:40.600 --> 47:43.960]  It asks, it basically makes a complaint.
[47:43.960 --> 47:47.560]  It goes with the Truth in Lending Act and everything.
[47:47.560 --> 47:55.440]  So I sent a copy to Randy so maybe he can post it on the website or something.
[47:55.440 --> 47:59.560]  And that way people can go and download it or whatever and use it.
[47:59.560 --> 48:03.840]  It's not that hard to fill out, it's just a minor amount of stuff that they have to
[48:03.840 --> 48:07.640]  change on it to fill out to suit their situation.
[48:07.640 --> 48:13.600]  And like I said, you send it to the lender and then send a copy to the law firm or whoever
[48:13.600 --> 48:15.640]  is trying to foreclose against you.
[48:15.640 --> 48:17.800]  And that foreclosure must stop.
[48:17.800 --> 48:22.760]  I mean, even if you're faced with a foreclosure at 10 o'clock tomorrow morning, and at 9 o'clock
[48:22.760 --> 48:27.640]  tomorrow morning you fax that letter, that has to stop.
[48:27.640 --> 48:33.760]  And if they did foreclose on it, that foreclosure is null and void.
[48:33.760 --> 48:41.640]  I'm here looking at the statute, 12 USC 2605, and it's a long statute.
[48:41.640 --> 48:43.760]  E. D.
[48:43.760 --> 48:45.080]  E. E is an Edward.
[48:45.080 --> 48:50.920]  That's what's on the letter.
[48:50.920 --> 48:56.440]  Duty of loan officer to respond to borrower's inquiry.
[48:56.440 --> 48:58.040]  Notice of recipient inquiry.
[48:58.040 --> 49:04.480]  In general, if any servicer of a federally related mortgage loan receives a qualified
[49:04.480 --> 49:09.580]  written request from the borrower or an agent of the borrower for information relating to
[49:09.580 --> 49:14.920]  the servicing of such loan, the servicer shall provide a written response acknowledging
[49:14.920 --> 49:21.000]  receipt of the correspondence within 20 days, excluding legal public holidays, Saturdays
[49:21.000 --> 49:27.720]  and Sundays, unless the action requested is taken within such period.
[49:27.720 --> 49:30.960]  Qualified written request for purposes of this subsection and qualified written request
[49:30.960 --> 49:35.840]  shall be written correspondence other than notice on a payment coupon or other payment
[49:35.840 --> 49:37.880]  medium supplied by the servicer.
[49:37.880 --> 49:42.600]  Anyway, they got 20 days to answer.
[49:42.600 --> 49:45.880]  So that's why they asked you for extended time.
[49:45.880 --> 49:46.880]  More time, yes.
[49:46.880 --> 49:50.200]  And they made it sound like it was such a big thing because it came from the office
[49:50.200 --> 49:55.360]  of the president, not just a country-wide letter and stuff.
[49:55.360 --> 50:00.960]  And the other thing, I mean, this may be over a lot of listeners' heads, but the Securities
[50:00.960 --> 50:06.440]  and Exchange Commission, if you have a loan that hasn't been sold a bunch of times and
[50:06.440 --> 50:12.520]  you can actually trace your loan back, say, to Bank of America or somewhere like that,
[50:12.520 --> 50:16.280]  I'll give you, for instance, my mobile home loan is from Conseco Finance.
[50:16.280 --> 50:19.800]  Of course, they went from 2001.
[50:19.800 --> 50:26.080]  They went bankrupt in 2002, which turned out to be GreenTree Servicing, and that's a private
[50:26.080 --> 50:27.080]  company.
[50:27.080 --> 50:31.840]  But Conseco Finance was a public company, and you can go to the Securities and Exchange
[50:31.840 --> 50:38.320]  Commission under the Edgar search thing, and you can find information about that.
[50:38.320 --> 50:42.920]  And I found a long time ago, there's two different reports.
[50:42.920 --> 50:50.040]  It's called an S3 report, and the other report's what they call a 424B5 report.
[50:50.040 --> 50:56.600]  And if you get that 424B5 report under the entity, it will tell you in there exactly
[50:56.600 --> 51:01.560]  that after so many days, they stole the note.
[51:01.560 --> 51:05.640]  They sometimes will tell you exactly who they stole it to.
[51:05.640 --> 51:11.600]  And then that company turned around and created a trust somewhere and pooled all those mortgages
[51:11.600 --> 51:12.600]  together.
[51:12.600 --> 51:19.680]  Now, there's your number one evidence showing that they don't own the note anymore.
[51:19.680 --> 51:26.080]  And that's a government report that they have to file with the Securities and Exchange Commission.
[51:26.080 --> 51:30.120]  So what was that again, the report name again?
[51:30.120 --> 51:33.120]  424B5.
[51:33.120 --> 51:37.840]  Okay, Tony's called in.
[51:37.840 --> 51:39.960]  Deb, can you bring up Tony?
[51:39.960 --> 51:43.640]  He has some information on this issue.
[51:43.640 --> 51:46.680]  Hey, Tony, thanks for calling in.
[51:46.680 --> 51:48.960]  You have some information about this mortgage situation?
[51:48.960 --> 51:50.680]  Yeah, quite a bit.
[51:50.680 --> 51:52.400]  Okay, go ahead, please.
[51:52.400 --> 51:53.400]  Okay.
[51:53.400 --> 51:58.960]  What we found on some of our research is that what they do is separate the note and mortgage
[51:58.960 --> 52:01.480]  in most cases.
[52:01.480 --> 52:05.960]  And they might sell the note to someone and sell the mortgage to somebody else.
[52:05.960 --> 52:10.720]  And the typical mortgage is sold as many as 20 times.
[52:10.720 --> 52:15.240]  So whenever someone tries to foreclose on you, what you do is you demand the bluing
[52:15.240 --> 52:22.240]  signatures from the original mortgage as evidence that whoever's trying to foreclose on you
[52:22.240 --> 52:24.240]  actually owns the mortgage or hasn't.
[52:24.240 --> 52:25.240]  Tony?
[52:25.240 --> 52:26.240]  Uh-huh?
[52:26.240 --> 52:27.240]  Yeah, this is Russell.
[52:27.240 --> 52:28.240]  Hi.
[52:28.240 --> 52:31.680]  Well, that's not going to work in Texas, not unless you actually do a lawsuit in district
[52:31.680 --> 52:32.680]  court.
[52:32.680 --> 52:33.680]  Okay.
[52:33.680 --> 52:38.760]  Because when they foreclose in Texas, they foreclose and then they go into a forcible
[52:38.760 --> 52:42.480]  detainer action, which is in a JP court.
[52:42.480 --> 52:49.520]  And that JP court, I've got several court rulings, that JP court is there for one thing,
[52:49.520 --> 52:55.720]  and that's to show, give possession of the house to the highest possessor at the time.
[52:55.720 --> 53:00.560]  Which when they bring forth, I mean, basically they don't have to bring forth nothing.
[53:00.560 --> 53:02.720]  All they have to do is make the claim.
[53:02.720 --> 53:06.160]  And that JP, Justice of the Peace, is never going to rule in your favor.
[53:06.160 --> 53:09.360]  He will rule in their favor at the same time.
[53:09.360 --> 53:14.520]  Okay, even if you turn around and appeal that to the county court, the county court does
[53:14.520 --> 53:17.440]  not let you raise any other issues.
[53:17.440 --> 53:22.320]  All they do is determine what the justice has done and if he did it correctly by law.
[53:22.320 --> 53:27.920]  Now, if you do want to raise these issues, you have to do probably a quiet title action
[53:27.920 --> 53:31.880]  into a district court here in Texas, and then you most likely will prevail.
[53:31.880 --> 53:35.720]  A lot of people do not know that as far as Texas goes.
[53:35.720 --> 53:36.720]  Okay.
[53:36.720 --> 53:41.040]  And a lot of people, you know, they see on CNN and all these other places now that, hey,
[53:41.040 --> 53:43.760]  get them to produce note or else, you know, that's it.
[53:43.760 --> 53:47.600]  Well, that doesn't work in Texas, not the way it's set up.
[53:47.600 --> 53:52.360]  As a matter of fact, I even called a state representative about a month or two and apprised
[53:52.360 --> 53:58.200]  him of this, saying that that part of the rules, laws, or whatever, needs to be changed
[53:58.200 --> 54:01.680]  so people can, you know, challenge the note.
[54:01.680 --> 54:04.200]  And so, you know, that kind of fell on deaf ears.
[54:04.200 --> 54:05.200]  I wonder why.
[54:05.200 --> 54:10.700]  So basically what you should do is file the RESPA letter first and then do the legal action
[54:10.700 --> 54:12.280]  into the district court.
[54:12.280 --> 54:15.840]  That's right, because your RESPA letter is going to be able to be evidenced into your
[54:15.840 --> 54:17.160]  district court case.
[54:17.160 --> 54:18.160]  Okay.
[54:18.160 --> 54:20.200]  And what does the RESPA letter say?
[54:20.200 --> 54:23.000]  Oh, it's 20 pages long.
[54:23.000 --> 54:29.160]  It's kind of a, and I can set you an example of it, but it's about six different things
[54:29.160 --> 54:30.520]  wrapped into one letter.
[54:30.520 --> 54:36.640]  In other words, truth in lending, a complaint, they ask, there's questions in there for them
[54:36.640 --> 54:39.320]  to answer, almost like interrogatory, everything.
[54:39.320 --> 54:45.200]  But I mean, if it wasn't for 20 pages, I'd read it on the air.
[54:45.200 --> 54:47.080]  What is it exactly, what does that letter do?
[54:47.080 --> 54:50.640]  That makes them answer under the federal law.
[54:50.640 --> 54:53.960]  They have to answer all these questions and respond and everything.
[54:53.960 --> 54:56.600]  Let me give you a couple of the first ones.
[54:56.600 --> 55:05.680]  I hereby demand absolute first-hand evidence from you of the original uncertificated or
[55:05.680 --> 55:11.040]  certificated security regarding account number blank.
[55:11.040 --> 55:17.600]  In the event that you do not supply me with the very security, it will be a positive confirmation
[55:17.600 --> 55:23.440]  on your part that you never really created and owned one.
[55:23.440 --> 55:29.980]  I hereby demand that a chain of transfer from you to wherever the security is now be promptly
[55:29.980 --> 55:31.800]  sent to me as well.
[55:31.800 --> 55:37.400]  Absent the actual evidence of the security, I have no choice but to dispute the validity
[55:37.400 --> 55:43.760]  of your lawful ownership, funding entitlement right, and the current debt you say I owe.
[55:43.760 --> 55:48.800]  By debt, I am referring to the principal balance you claim I owe and calculated monthly payments,
[55:48.800 --> 55:54.100]  calculated escrow payments and fees claimed by you owed or any trust or entity you may
[55:54.100 --> 55:57.760]  service or subservice for.
[55:57.760 --> 56:02.960]  So you're essentially, I take that to be asking for the original note.
[56:02.960 --> 56:08.040]  And it goes 20 pages of this, that would really give me a headache.
[56:08.040 --> 56:16.360]  Okay, and where would these people that are listening find the respalator?
[56:16.360 --> 56:20.880]  Like I said, they're going to get Randy and Everett to post it on the website.
[56:20.880 --> 56:27.200]  But if people need it right now for some reason, they can email me, and my email is real simple,
[56:27.200 --> 56:34.440]  his R is in Russell, T is in Tom, M is in Mary at texas.net, sellout texas.
[56:34.440 --> 56:38.920]  You said you got one mortgage postponed for 10 years?
[56:38.920 --> 56:39.920]  Oh yeah.
[56:39.920 --> 56:43.240]  And that was just based on the respalator?
[56:43.240 --> 56:48.600]  No, that was based on several things, but the respalator got him almost two years in
[56:48.600 --> 56:49.600]  his house.
[56:49.600 --> 56:50.600]  Wow.
[56:50.600 --> 56:51.600]  Okay.
[56:51.600 --> 56:52.600]  And his payment was what?
[56:52.600 --> 56:53.600]  $1,800 a month?
[56:53.600 --> 56:54.600]  That's right.
[56:54.600 --> 56:55.600]  That's not bad.
[56:55.600 --> 57:01.000]  And then what they did back in October, the Secretary of Veterans Affairs turned around
[57:01.000 --> 57:08.320]  and illegally transferred it to Countrywide without his knowledge, and then turned around
[57:08.320 --> 57:14.680]  Countrywide after it was already been transferred, Countrywide turned around supposedly foreclosed
[57:14.680 --> 57:17.880]  against it, all based on fraud.
[57:17.880 --> 57:23.720]  So now we're going to go back and get the justice of the peace court thing overturned
[57:23.720 --> 57:29.960]  by Matt Davis, and then do a quiet title action to get the house back.
[57:29.960 --> 57:34.800]  One other thing that has come up that, you know, we do some, or some friends of ours
[57:34.800 --> 57:40.240]  do some investments, and one of the people they're investing with is three IBM engineers
[57:40.240 --> 57:46.200]  that have created a program, and what they have determined is that the mortgage companies
[57:46.200 --> 57:51.760]  overcharge on almost every single mortgage, and the more that they're sold, the more that
[57:51.760 --> 57:59.520]  they're overcharged, and the program calculates the overcharges and determines how much the
[57:59.520 --> 58:01.720]  mortgage company actually owes you.
[58:01.720 --> 58:04.520]  So how would that fit into this?
[58:04.520 --> 58:08.720]  Well, I guess we'll have to talk after the break, but the question is, how would that
[58:08.720 --> 58:10.720]  fit into your scenario?
[58:10.720 --> 58:16.520]  All right, yeah, we're going to go to break.
[58:16.520 --> 58:17.520]  We're at the top of the hour.
[58:17.520 --> 58:20.400]  Russell, Tony, you guys hang on.
[58:20.400 --> 58:21.400]  We'll be right back.
[58:21.400 --> 58:27.120]  Callers, if you'd like to call in 512-646-1984, we've got John from Austin, Travis from Minnesota
[58:27.120 --> 58:28.600]  waiting in the wings.
[58:28.600 --> 58:29.640]  We will be right back.
[58:29.640 --> 58:53.360]  This is the rule of law on ruleoflawradio.com.
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[59:59.120 --> 01:00:07.520]  We know the official story's impossible, so we set about scientifically to cover the hypothesis
[01:00:07.520 --> 01:00:08.520]  and then to test that.
[01:00:08.520 --> 01:00:09.520]  All right, we're just searching for the truth, because so far we've been truthless.
[01:00:09.520 --> 01:00:10.520]  Don't mean to be ruthless.
[01:00:10.520 --> 01:00:11.520]  I do.
[01:00:11.520 --> 01:00:12.520]  It wasn't 10-second freefall.
[01:00:12.520 --> 01:00:22.200]  That's what I saw, that's what you saw, that's what everybody saw.
[01:00:22.200 --> 01:00:27.720]  All right, we are back, the rule of law on ruleoflawradio.com.
[01:00:27.720 --> 01:00:32.760]  More Three Shoes Posse for you, 10-second freefall.
[01:00:32.760 --> 01:00:35.120]  Official story, don't make no lick of sense at all.
[01:00:35.120 --> 01:00:40.580]  Of course, we're talking about the World Trade Center collapse, 9-11, and we are also talking
[01:00:40.580 --> 01:00:47.960]  with Russell in Texas and Tony Davis, also here in Texas, about the mortgage scam, fraud,
[01:00:47.960 --> 01:00:48.960]  overcharging people.
[01:00:48.960 --> 01:00:49.960]  All right, please continue.
[01:00:49.960 --> 01:00:50.960]  Here's my question, Russell.
[01:00:50.960 --> 01:00:58.920]  Okay, we now have some people, some very competent computer people that have designed a program
[01:00:58.920 --> 01:01:03.520]  where they can run your mortgage and prove that almost every single mortgage in the United
[01:01:03.520 --> 01:01:05.480]  States, there are overcharges.
[01:01:05.480 --> 01:01:11.640]  Okay, how would that fit into your program in terms of the respa letter and the complaints
[01:01:11.640 --> 01:01:12.640]  that you would file?
[01:01:12.640 --> 01:01:17.120]  Well, that would be more evidence when you started your district court case as far as
[01:01:17.120 --> 01:01:18.560]  violating the contract.
[01:01:18.560 --> 01:01:19.560]  Okay.
[01:01:19.560 --> 01:01:24.400]  Now, what I know, what you're talking about is what I know it as, running the numbers.
[01:01:24.400 --> 01:01:25.400]  Right.
[01:01:25.400 --> 01:01:31.000]  And I have one friend that got a college professor to run his mortgage one time, and the college
[01:01:31.000 --> 01:01:35.200]  professor, matter of fact, he said he wouldn't do it again because it was so time consuming.
[01:01:35.200 --> 01:01:36.200]  Okay.
[01:01:36.200 --> 01:01:40.840]  But every step of the way, he showed where the numbers that he ran were different to
[01:01:40.840 --> 01:01:41.840]  what they got.
[01:01:41.840 --> 01:01:45.880]  They always profited more and more and more at that step.
[01:01:45.880 --> 01:01:47.040]  That was going to be my question.
[01:01:47.040 --> 01:01:51.280]  Has anybody ever found one where they undercharged?
[01:01:51.280 --> 01:01:52.280]  Not to my knowledge.
[01:01:52.280 --> 01:01:53.280]  No.
[01:01:53.280 --> 01:01:55.280]  Why am I not surprised?
[01:01:55.280 --> 01:01:58.280]  Okay, well, just think of it this way, okay?
[01:01:58.280 --> 01:02:03.360]  Okay, the mortgage industry has been one of the leading industries in the United States.
[01:02:03.360 --> 01:02:09.120]  And if you go back before that, you look at the telephone industry back in the fifties
[01:02:09.120 --> 01:02:14.720]  and sixties and seventies, and AT&T and South Western Bill and all those companies, typically,
[01:02:14.720 --> 01:02:18.960]  if they wanted to increase their profits, they would just increase the bills, okay?
[01:02:18.960 --> 01:02:25.760]  And the average person wouldn't know that, and another $2 to your bill and $3 or $10,
[01:02:25.760 --> 01:02:29.480]  the average person wouldn't even know that they did it, okay?
[01:02:29.480 --> 01:02:31.560]  And it'd be very difficult to prove it either.
[01:02:31.560 --> 01:02:37.400]  So then the scam became the mortgage companies where they would buy the mortgage and sell
[01:02:37.400 --> 01:02:44.920]  them 15, 20 times, and they just keep jacking up the prices or the rates or the false charges
[01:02:44.920 --> 01:02:46.240]  and things like that.
[01:02:46.240 --> 01:02:47.240]  That's right.
[01:02:47.240 --> 01:02:48.240]  Yeah.
[01:02:48.240 --> 01:02:52.720]  And who's going to notice a couple of bucks on their bill, even if they do?
[01:02:52.720 --> 01:02:55.880]  How much time you got to fight for $2?
[01:02:55.880 --> 01:03:02.320]  But if you're a large company and you multiply that by several hundred thousand customers,
[01:03:02.320 --> 01:03:03.320]  that's a pretty major scam.
[01:03:03.320 --> 01:03:04.320]  Right.
[01:03:04.320 --> 01:03:09.680]  Well, if you remember the movie The Hackers, if you ever seen that movie, they had a worm
[01:03:09.680 --> 01:03:14.920]  going through the main computer and it was siphoning off just pennies on each transaction
[01:03:14.920 --> 01:03:21.200]  from this big oil company, but yet it was stealing like $32 million a day from the oil
[01:03:21.200 --> 01:03:26.920]  company just by those pennies and stuff from each transaction that, you know, somebody
[01:03:26.920 --> 01:03:32.120]  would do in a gas tank or they would, you know, buy, you know, a barrel of oil or whatever.
[01:03:32.120 --> 01:03:35.320]  So that's basically the same thing what's happening.
[01:03:35.320 --> 01:03:40.040]  Well, I think Obama's correct about one thing, the biggest crooks in the country are the
[01:03:40.040 --> 01:03:41.040]  bankers.
[01:03:41.040 --> 01:03:48.400]  There's something else I'd like to disclose on my research on Alexis.
[01:03:48.400 --> 01:03:54.720]  I downloaded the 2008 version, which I think was December, might have been November, of
[01:03:54.720 --> 01:04:01.400]  Texas Jurisprudence and anybody in the state of Texas that's had a foreclosure, whenever
[01:04:01.400 --> 01:04:05.360]  you're notified from your foreclosure, in other words, say you've got a husband and
[01:04:05.360 --> 01:04:11.200]  wife that own the home and they'll send the notice out by certified mail and they'll
[01:04:11.200 --> 01:04:20.600]  say, John Smith and all other occupants, and they make that to assume that that includes
[01:04:20.600 --> 01:04:28.280]  the wife or anybody else that's in the establishment, in the residence, okay?
[01:04:28.280 --> 01:04:33.280]  But under Texas Jurisprudence, when it comes to service, if their husband and wife is on
[01:04:33.280 --> 01:04:39.120]  the deed of trust, which they will be if they're married, you generally, but if they're on
[01:04:39.120 --> 01:04:45.440]  the deed of trust, both parties have to be served separately or they did not have proper
[01:04:45.440 --> 01:04:46.440]  service.
[01:04:46.440 --> 01:04:52.680]  And then that's about the only thing that you can raise in a forcible detainer issue
[01:04:52.680 --> 01:04:57.600]  when they try to get you thrown out.
[01:04:57.600 --> 01:05:06.720]  Because absent proper service, the documents do not invoke the jurisdiction of the court.
[01:05:06.720 --> 01:05:11.880]  In my friend's case, for the 10 years on the house, him and his wife's been separated
[01:05:11.880 --> 01:05:13.840]  since 1990.
[01:05:13.840 --> 01:05:16.640]  He bought the house in 96.
[01:05:16.640 --> 01:05:20.480]  The mortgage company insisted his wife be on the mortgage paperwork.
[01:05:20.480 --> 01:05:22.040]  That's the only reason why her name's there.
[01:05:22.040 --> 01:05:24.240]  She's never lived in the house.
[01:05:24.240 --> 01:05:29.080]  But yet, when they turn around and give him a forcible detainer, it said so and so and
[01:05:29.080 --> 01:05:30.080]  all other occupants.
[01:05:30.080 --> 01:05:35.800]  Well, that's how I'm going to get the justice of the peace thing overturned, because it
[01:05:35.800 --> 01:05:38.280]  didn't serve the wife at all, period.
[01:05:38.280 --> 01:05:43.800]  And you need to file on the justice of the peace, because it was the duty of the justice
[01:05:43.800 --> 01:05:49.200]  of the peace to ensure that she had, or he had, subject matter jurisdiction.
[01:05:49.200 --> 01:05:50.200]  That's right.
[01:05:50.200 --> 01:05:55.120]  What was the discretion?
[01:05:55.120 --> 01:05:57.200]  That's something over which he has no discretion.
[01:05:57.200 --> 01:05:59.080]  He must make certain.
[01:05:59.080 --> 01:06:03.440]  And it's not like it's rocket science, just look at the documents.
[01:06:03.440 --> 01:06:09.280]  I think you told me somebody told you that they waived that process, but if they did...
[01:06:09.280 --> 01:06:11.960]  You cannot waive subject matter jurisdiction.
[01:06:11.960 --> 01:06:15.560]  Well, excuse me, I didn't mean waive, but there was a court case against that.
[01:06:15.560 --> 01:06:21.000]  But if there was a court case against that, this Texas jurisprudence has annotated that
[01:06:21.000 --> 01:06:22.000]  it does not say anything.
[01:06:22.000 --> 01:06:26.800]  Matter of fact, there's a court case in there from, I think it was 74 or 54, something like
[01:06:26.800 --> 01:06:27.800]  that.
[01:06:27.800 --> 01:06:38.720]  And this is something that Ken said that the courts in Texas have ruled that in some cases,
[01:06:38.720 --> 01:06:45.640]  even though the statute requires a certain type of service, the courts have ruled that
[01:06:45.640 --> 01:06:49.000]  other types of service are sufficient.
[01:06:49.000 --> 01:06:55.760]  Well, no service is never sufficient.
[01:06:55.760 --> 01:06:59.960]  So like in this case, if you have a man and wife, you have to make sure they will serve
[01:06:59.960 --> 01:07:01.560]  because they may be estranged.
[01:07:01.560 --> 01:07:06.240]  Well, say like there are some people that might have lost their homes here, got their
[01:07:06.240 --> 01:07:11.560]  homes foreclosed on last Tuesday here in Texas, okay, then you'll get a forcible detainer
[01:07:11.560 --> 01:07:14.360]  action within probably two to three weeks.
[01:07:14.360 --> 01:07:21.200]  But if you get that action, and your wife or whoever, say it's, I don't know why it
[01:07:21.200 --> 01:07:26.920]  generally, it's always in the husband's name, but if they served you, you know, Joe Blow
[01:07:26.920 --> 01:07:35.160]  and all other occupants of such a street or residence, then they did not serve you properly
[01:07:35.160 --> 01:07:39.960]  if there's more than one name on the deed, deed or trust.
[01:07:39.960 --> 01:07:44.440]  And if they did not serve you properly, they did not invoke the jurisdiction of the court.
[01:07:44.440 --> 01:07:45.440]  That's right.
[01:07:45.440 --> 01:07:47.960]  And that is something that cannot be waived.
[01:07:47.960 --> 01:07:52.720]  And all you have to do is point that out to the to the justice court and they cannot rule
[01:07:52.720 --> 01:07:53.720]  against you.
[01:07:53.720 --> 01:07:57.360]  This is Texas jurisprudence law.
[01:07:57.360 --> 01:08:00.840]  I still think we ought to point it out with criminal charges against the judge.
[01:08:00.840 --> 01:08:02.400]  That's what I did in McClennan County.
[01:08:02.400 --> 01:08:03.400]  Well, that's true.
[01:08:03.400 --> 01:08:08.000]  In Waco, I just went in and filed criminal charges against the district judge for acting
[01:08:08.000 --> 01:08:10.460]  without subject matter jurisdiction.
[01:08:10.460 --> 01:08:14.320]  But then if you do say you have somebody that's already been through one of these forcible
[01:08:14.320 --> 01:08:20.080]  detainers this way, what you have to do is file a mandamus into the district court, not
[01:08:20.080 --> 01:08:26.520]  the county court, the district court, having that judge's order overturned.
[01:08:26.520 --> 01:08:30.880]  And then you go into district court and you do it at the same time, according to the case
[01:08:30.880 --> 01:08:37.760]  law, with a quiet title action because they damaged a slandered the title of the house
[01:08:37.760 --> 01:08:41.000]  once they foreclosed or stuff on it, they didn't do it lawfully.
[01:08:41.000 --> 01:08:43.720]  We need to look to do this in Waco.
[01:08:43.720 --> 01:08:45.840]  This will be great fun.
[01:08:45.840 --> 01:08:49.160]  So you go into the district court with a quiet title action?
[01:08:49.160 --> 01:08:50.160]  Yes.
[01:08:50.160 --> 01:08:51.160]  Okay.
[01:08:51.160 --> 01:08:53.720]  You don't go to county court because, see, the county court is the appellate court for
[01:08:53.720 --> 01:08:54.720]  the JP court.
[01:08:54.720 --> 01:08:55.720]  Right.
[01:08:55.720 --> 01:08:56.720]  Okay.
[01:08:56.720 --> 01:08:59.440]  And if the JP court didn't have jurisdiction, then the county court would.
[01:08:59.440 --> 01:09:01.560]  You have to go into district court.
[01:09:01.560 --> 01:09:07.600]  Well, in this case, in McClennan County, the district court was the one that issued the
[01:09:07.600 --> 01:09:08.600]  foreclosure.
[01:09:08.600 --> 01:09:09.600]  Right.
[01:09:09.600 --> 01:09:10.600]  It was a little bit different.
[01:09:10.600 --> 01:09:13.160]  But we can go, we can do the same thing.
[01:09:13.160 --> 01:09:19.120]  I mean, you can mandamus it to the higher court, to the district court, get that thing
[01:09:19.120 --> 01:09:20.120]  overturned.
[01:09:20.120 --> 01:09:24.840]  But then you would also, should do a quiet title action back in the district court to
[01:09:24.840 --> 01:09:29.120]  settle everything and get her house back.
[01:09:29.120 --> 01:09:33.280]  We just have it do the quiet title action in front of a different judge.
[01:09:33.280 --> 01:09:34.280]  Right.
[01:09:34.280 --> 01:09:35.280]  Because that one's disqualified.
[01:09:35.280 --> 01:09:36.280]  Good.
[01:09:36.280 --> 01:09:40.800]  But you should be able to take it to the third court of appeals, I think of that.
[01:09:40.800 --> 01:09:44.000]  Of course, I don't know if the weight goes under third court of appeals, but you should
[01:09:44.000 --> 01:09:50.160]  be able to file a mandamus in there and point out why this thing was faulty and they couldn't
[01:09:50.160 --> 01:09:52.160]  overrule that judge's ruling.
[01:09:52.160 --> 01:09:53.160]  Okay.
[01:09:53.160 --> 01:09:59.080]  But these are things that I've just learned within the last month by doing all that late
[01:09:59.080 --> 01:10:01.520]  night research on Alexis.
[01:10:01.520 --> 01:10:06.580]  Maybe what we should do is make this, figure out a way to make this program available to
[01:10:06.580 --> 01:10:10.880]  most people where they can prove up the overcharges.
[01:10:10.880 --> 01:10:14.040]  Yes, I'd sure like to look at that.
[01:10:14.040 --> 01:10:15.040]  Okay.
[01:10:15.040 --> 01:10:19.240]  And then once they can prove the overcharges, then anything the mortgage company does comes
[01:10:19.240 --> 01:10:20.240]  in as fraud.
[01:10:20.240 --> 01:10:22.240]  Yeah, it's fraud or breach of contract.
[01:10:22.240 --> 01:10:23.240]  Or both.
[01:10:23.240 --> 01:10:25.240]  Well, yeah, it's breach of contract.
[01:10:25.240 --> 01:10:26.240]  It's both.
[01:10:26.240 --> 01:10:28.640]  Yes, breach of contract by fraud.
[01:10:28.640 --> 01:10:34.760]  And this will show deliberate fraud because they do it to everybody.
[01:10:34.760 --> 01:10:41.200]  And they only make these honest errors where they overcharge, they never make the honest
[01:10:41.200 --> 01:10:44.040]  error where they undercharge.
[01:10:44.040 --> 01:10:50.980]  That would be grounds for a RICO.
[01:10:50.980 --> 01:10:59.600]  If you show that this happens across the board, that can make a really serious RICO suit.
[01:10:59.600 --> 01:11:00.840]  Right.
[01:11:00.840 --> 01:11:06.680]  And the government may be primed for that right now because of the foreclosure problem
[01:11:06.680 --> 01:11:10.560]  to stop dumping all these people on the street.
[01:11:10.560 --> 01:11:18.040]  Then you could go after not only the company, but you could go after the principals or the
[01:11:18.040 --> 01:11:21.040]  officers of the company too.
[01:11:21.040 --> 01:11:29.240]  And that's how the state got the tobacco companies because the tobacco companies had incredibly
[01:11:29.240 --> 01:11:30.860]  deep pockets.
[01:11:30.860 --> 01:11:34.920]  So if you sued them, they had plenty of money to fight you with.
[01:11:34.920 --> 01:11:40.000]  But when they filed a RICO, all of these executives said, wait a minute, hold on here.
[01:11:40.000 --> 01:11:43.000]  I can go to jail over this.
[01:11:43.000 --> 01:11:44.360]  That's when they actually got them.
[01:11:44.360 --> 01:11:47.480]  So this may be a very good way to go about it.
[01:11:47.480 --> 01:11:58.560]  And these guys program may be the door opener for a major lawsuit against multiple banks
[01:11:58.560 --> 01:12:00.880]  and lending institutions.
[01:12:00.880 --> 01:12:11.360]  Well, you know, one attorney that was doing RICO cases said that the RICO was the equivalent
[01:12:11.360 --> 01:12:16.480]  of a thermonuclear bomb, I mean, in terms of lawsuits.
[01:12:16.480 --> 01:12:18.280]  Oh yeah.
[01:12:18.280 --> 01:12:20.320]  Because if you think about it, here's what happened.
[01:12:20.320 --> 01:12:24.480]  Okay, you file a RICO suit, which is a civil suit based on criminal charges.
[01:12:24.480 --> 01:12:29.160]  Okay, you win the RICO and then you win triple damages plus attorney's fees.
[01:12:29.160 --> 01:12:32.840]  Okay, under the American rule, normally you don't get attorney's fees.
[01:12:32.840 --> 01:12:37.760]  So you win triple damages, whatever the claim was, plus attorney's fees.
[01:12:37.760 --> 01:12:38.760]  Okay.
[01:12:38.760 --> 01:12:43.000]  And then once you win the claim, you have proved by a providence of the evidence, the
[01:12:43.000 --> 01:12:49.720]  criminal acts, then you take the RICO, or you take the judgment over to the prosecutor
[01:12:49.720 --> 01:12:56.200]  and you said, now we've proved beyond a providence of the evidence that they have committed crimes.
[01:12:56.200 --> 01:13:00.600]  All you have to do is raise the bar a little bit and put them in prison for 20 years.
[01:13:00.600 --> 01:13:03.120]  Now you've first taken away all their money.
[01:13:03.120 --> 01:13:08.280]  Okay, now you take away their freedom.
[01:13:08.280 --> 01:13:14.560]  Now this RISPA letter, I've never used it after a foreclosure, but I've heard people
[01:13:14.560 --> 01:13:18.740]  that have used it after a foreclosure and it brought everything to a stop.
[01:13:18.740 --> 01:13:21.120]  Those people didn't get thrown out of their house and everything.
[01:13:21.120 --> 01:13:22.120]  Oh, really?
[01:13:22.120 --> 01:13:28.720]  So those people that had homes foreclosed on this last Tuesday and stuff, if they grab
[01:13:28.720 --> 01:13:34.080]  that thing and get it filled out and get it sent very quickly, they may not even get going
[01:13:34.080 --> 01:13:37.840]  into forcible detainer and eviction and stuff.
[01:13:37.840 --> 01:13:44.640]  Okay, well then the other alternative they could do is they could file a fraud claim
[01:13:44.640 --> 01:13:49.640]  in the district court and claim that they were being overcharged on their mortgage and
[01:13:49.640 --> 01:13:55.000]  make the mortgage company prove up and then produce the original documents, couldn't they?
[01:13:55.000 --> 01:13:56.000]  Right.
[01:13:56.000 --> 01:13:57.000]  Okay.
[01:13:57.000 --> 01:14:01.880]  But we're still having trouble with some of these courts just believing whatever the attorney
[01:14:01.880 --> 01:14:04.480]  says and not producing the original documents.
[01:14:04.480 --> 01:14:08.280]  But there's more and more courts around the United States that are starting to do that.
[01:14:08.280 --> 01:14:11.120]  The bankruptcy courts are starting to do it.
[01:14:11.120 --> 01:14:15.080]  All the Florida courts are doing it now, they put a standing order out.
[01:14:15.080 --> 01:14:18.680]  If you don't have an original document, don't come into this court.
[01:14:18.680 --> 01:14:19.680]  Every court should do that.
[01:14:19.680 --> 01:14:20.680]  I know.
[01:14:20.680 --> 01:14:21.680]  That's what I don't understand.
[01:14:21.680 --> 01:14:26.280]  I mean, that should be a mandatory thing throughout the entire deal.
[01:14:26.280 --> 01:14:33.160]  How can you adjudicate the provisions of a contract when you don't have the contract?
[01:14:33.160 --> 01:14:36.680]  Well, they put in a copy of it.
[01:14:36.680 --> 01:14:43.280]  But the thing of it is, that copy that they put in is not stamped on the back and transferred
[01:14:43.280 --> 01:14:44.280]  to something.
[01:14:44.280 --> 01:14:52.520]  Something I just read that I didn't even notice seven years ago in my 424B5 statement
[01:14:52.520 --> 01:14:59.880]  for CONSECO was, it says that we shall stamp all the contracts with certain data on it
[01:14:59.880 --> 01:15:00.880]  and stuff.
[01:15:00.880 --> 01:15:05.360]  Well, that's funny because I got a copy from CONSECO of my contract, there's no stamping
[01:15:05.360 --> 01:15:06.840]  on it anywhere.
[01:15:06.840 --> 01:15:10.040]  Well, they're supposed to stamp every page is what they're supposed to do.
[01:15:10.040 --> 01:15:14.680]  Well, they stamp the numbers and stuff on every page, but there's a stamp to show the
[01:15:14.680 --> 01:15:19.000]  transfer to the trust and stuff.
[01:15:19.000 --> 01:15:23.840]  And to me, that's no different than stamping the thing without recourse and all that stuff
[01:15:23.840 --> 01:15:25.440]  and then sign it to somebody else.
[01:15:25.440 --> 01:15:32.000]  Send me a copy of the stamp that's got the stamp on it, because there's your evidence.
[01:15:32.000 --> 01:15:33.000]  Right.
[01:15:33.000 --> 01:15:37.760]  Well, the fact of the matter is, you could fax me a copy of a contract and I could file
[01:15:37.760 --> 01:15:43.640]  suit against somebody and produce the copy of the contract and it would be worthless.
[01:15:43.640 --> 01:15:47.800]  And if the courts are going to uphold that kind of crap, then they shouldn't be judges
[01:15:47.800 --> 01:15:48.800]  at all.
[01:15:48.800 --> 01:15:50.800]  Well, that's why the courts have been doing this for ages.
[01:15:50.800 --> 01:15:56.120]  It's just now in the last year and a half or so that the courts, actually it's really
[01:15:56.120 --> 01:16:00.640]  because of just a couple people in it, and actually it was because of a couple people
[01:16:00.640 --> 01:16:02.400]  down in Florida.
[01:16:02.400 --> 01:16:04.880]  And her name is April Charting.
[01:16:04.880 --> 01:16:10.920]  She works for the Jacksonville Legal Aid Society, and she does nothing but help old people
[01:16:10.920 --> 01:16:14.880]  and everything else that's facing foreclosure down in Florida.
[01:16:14.880 --> 01:16:20.840]  And she got seen over the period of time, all these different tactics they take, and
[01:16:20.840 --> 01:16:22.400]  she started challenging them in court.
[01:16:22.400 --> 01:16:28.440]  And now she's, hell, I think she was woman of the year on MSNBC or whatever, woman of
[01:16:28.440 --> 01:16:29.440]  the year and stuff.
[01:16:29.440 --> 01:16:36.920]  I'm kind of on a law group that she's on, and I kept with her once and all about the
[01:16:36.920 --> 01:16:38.920]  progress and stuff.
[01:16:38.920 --> 01:16:41.880]  It's going to take people like that to fix the system.
[01:16:41.880 --> 01:16:42.880]  Right.
[01:16:42.880 --> 01:16:43.880]  Okay.
[01:16:43.880 --> 01:16:44.880]  Hang on.
[01:16:44.880 --> 01:16:45.880]  Hang on, guys.
[01:16:45.880 --> 01:16:46.880]  All right.
[01:16:46.880 --> 01:16:47.880]  We'll be back after this short break.
[01:16:47.880 --> 01:16:52.280]  Russell and Tony are here with us talking about mortgage fraud.
[01:16:52.280 --> 01:17:22.040]  We'll be right back.
[01:17:22.920 --> 01:17:28.560]  Our annual rate of return has been 15.83 percent for the last 17 years.
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[01:17:35.960 --> 01:17:42.240]  Even qualified retirement plans such as 401Ks and IRAs are eligible for transfer.
[01:17:42.240 --> 01:17:44.640]  We charge absolutely no commissions.
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[01:17:47.680 --> 01:17:57.440]  Please visit sleepwellinvestment.com or call Bill Schober at 817-975-2431.
[01:17:57.440 --> 01:18:18.880]  That's sleepwellinvestment.com or call 817-975-2431.
[01:18:27.440 --> 01:18:42.400]  All right.
[01:18:42.400 --> 01:18:43.400]  We are back.
[01:18:43.400 --> 01:18:44.400]  The rule of law.
[01:18:44.400 --> 01:18:46.280]  Randy Kelton and Deborah Stevens.
[01:18:46.280 --> 01:18:52.640]  We are here with Tony Davis and Russell from Texas talking about mortgage fraud and what
[01:18:52.640 --> 01:18:54.440]  to do about it.
[01:18:54.440 --> 01:18:58.600]  And yeah, this is an incredible thing with these courts in Florida saying if you don't
[01:18:58.600 --> 01:19:01.720]  have the original documentation, get out of my court.
[01:19:01.720 --> 01:19:05.560]  So certainly we want that to be the case everywhere.
[01:19:05.560 --> 01:19:08.480]  Well, think about this, guys.
[01:19:08.480 --> 01:19:12.240]  You know, you got your attorneys and they all act like they're better than us and everything
[01:19:12.240 --> 01:19:17.680]  else and you got these attorneys that's been in practice in law for a long time.
[01:19:17.680 --> 01:19:23.560]  None of them people would ever challenge a mortgage company, none of them, but yet you
[01:19:23.560 --> 01:19:28.760]  got a few little bitty peon attorneys that work for legal aid and things like that and
[01:19:28.760 --> 01:19:29.760]  stuff.
[01:19:29.760 --> 01:19:31.760]  And the first thing they did was go after them.
[01:19:31.760 --> 01:19:35.560]  And that started a snowball effect that's went around this country for the last year
[01:19:35.560 --> 01:19:37.640]  and a half.
[01:19:37.640 --> 01:19:45.000]  And I praise them for it even though they are attorneys, which I can't stand, but I
[01:19:45.000 --> 01:19:46.000]  definitely praise her.
[01:19:46.000 --> 01:19:53.920]  And believe it or not, the Florida bar recognized her work so well that they asked her to start
[01:19:53.920 --> 01:19:55.400]  training other attorneys.
[01:19:55.400 --> 01:19:56.400]  Wow.
[01:19:56.400 --> 01:19:58.480]  At least somebody's doing the right thing.
[01:19:58.480 --> 01:20:02.920]  So she's actually trained, and then last year she's actually trained attorneys in five other
[01:20:02.920 --> 01:20:03.920]  states.
[01:20:03.920 --> 01:20:07.920]  She has like a two or three day workshop, attorneys come down there and stuff and she
[01:20:07.920 --> 01:20:12.240]  points out all these things about mortgages and trades on how to go in it.
[01:20:12.240 --> 01:20:17.800]  Back on the, I think it was the second of March, the New York Times ran an article about
[01:20:17.800 --> 01:20:23.880]  another attorney down in Florida that went back into court, the person lost their home
[01:20:23.880 --> 01:20:30.160]  in a foreclosure, went back into court, I think they rattled home for two months, went
[01:20:30.160 --> 01:20:35.800]  back into court, proved to the judge that the other party did not have the note, that
[01:20:35.800 --> 01:20:41.760]  judge overturned the foreclosure, gave the home back and told the opposite party to produce
[01:20:41.760 --> 01:20:42.760]  the note.
[01:20:42.760 --> 01:20:47.040]  So there are the case, we'll go no further.
[01:20:47.040 --> 01:20:49.760]  What they should have done then is to go after them for fraud.
[01:20:49.760 --> 01:20:50.760]  Right.
[01:20:50.760 --> 01:20:55.480]  There is a, like they pointed out in the article, there's a five year statute of limitations
[01:20:55.480 --> 01:21:01.400]  that over half of April's cases down there in Florida are fast approaching the five year
[01:21:01.400 --> 01:21:02.400]  statute of limitations.
[01:21:02.400 --> 01:21:07.880]  After that, the people have got their house free and clear and it's over with.
[01:21:07.880 --> 01:21:08.880]  Wow.
[01:21:08.880 --> 01:21:12.600]  You know what, Randy, you know what you and I need to do?
[01:21:12.600 --> 01:21:19.000]  We need to go, we need to go meet these guys that have this computer program that shows
[01:21:19.000 --> 01:21:24.440]  the overcharges and we need to make it available to the public.
[01:21:24.440 --> 01:21:25.440]  Yes.
[01:21:25.440 --> 01:21:37.320]  Well, I sure want to talk to them because if we can begin to establish a pattern, we
[01:21:37.320 --> 01:21:43.160]  can change everything, especially if we do it aggressively, instead of just stopping
[01:21:43.160 --> 01:21:47.120]  them where they're at and keeping them from stealing any more from us.
[01:21:47.120 --> 01:21:53.360]  If we start going, taking the fight to them and forcing them to pay all the money back
[01:21:53.360 --> 01:22:03.000]  in triplicate and challenge them for abdication of the contract by fraud.
[01:22:03.000 --> 01:22:09.040]  So you nullify the contract and you have no more duty to pay them anything and I halfway
[01:22:09.040 --> 01:22:14.880]  think that the government at this point would accept that because they're trying to figure
[01:22:14.880 --> 01:22:20.240]  out how to keep from dumping all these people out on the street and this way there would
[01:22:20.240 --> 01:22:24.920]  be no need to bail these mortgage companies out and you just nail them for fraud.
[01:22:24.920 --> 01:22:27.120]  People keep their houses and we start all over again.
[01:22:27.120 --> 01:22:31.480]  Well, what we need to do is, I mean, since the damn government is trying to get so intrusive
[01:22:31.480 --> 01:22:36.040]  in our lives, the government needs to start backing the loans.
[01:22:36.040 --> 01:22:42.240]  Like they do with BA and FHA and stuff like that and stop giving all this money to the
[01:22:42.240 --> 01:22:44.240]  damn banks and stuff.
[01:22:44.240 --> 01:22:49.680]  I mean, if you, the government, in other words, if you apply it for the government, if you
[01:22:49.680 --> 01:22:53.360]  can show the government that you can afford your home, then the government will back you
[01:22:53.360 --> 01:22:54.360]  a loan.
[01:22:54.360 --> 01:22:57.960]  The same way should be happening in the car industry right now.
[01:22:57.960 --> 01:23:02.560]  I mean, me and my wife need a new car, but because of past credit problems, we can't
[01:23:02.560 --> 01:23:04.040]  qualify because of that.
[01:23:04.040 --> 01:23:10.080]  It doesn't matter whether we got enough money to buy the car or make the payments or not.
[01:23:10.080 --> 01:23:13.800]  It's that, oh, I'm sorry, you had this, you had that, whatever.
[01:23:13.800 --> 01:23:18.800]  Well, that's not the way it should work and that's all a big bunch of hogwash anyway.
[01:23:18.800 --> 01:23:22.880]  Russell, I can help you on that.
[01:23:22.880 --> 01:23:27.080]  We've got a letter that you can send to collection agencies.
[01:23:27.080 --> 01:23:28.080]  Okay.
[01:23:28.080 --> 01:23:33.520]  And within 10 days, they will not only remove your collection on the file, they will say
[01:23:33.520 --> 01:23:39.880]  that they didn't really mean to charge you anything at all anyway and your case is closed.
[01:23:39.880 --> 01:23:42.880]  That's great, Tony.
[01:23:42.880 --> 01:23:48.920]  Well, we need a lot more of this.
[01:23:48.920 --> 01:23:49.920]  We need to get-
[01:23:49.920 --> 01:23:57.680]  We need to see the government backing the people instead of backing these damn corrupt
[01:23:57.680 --> 01:23:58.680]  banks and stuff.
[01:23:58.680 --> 01:24:01.160]  And I mean, I was tickled pink when they turned around and started saying, hey, no more of
[01:24:01.160 --> 01:24:04.640]  these big old CEO salaries and stuff.
[01:24:04.640 --> 01:24:05.640]  I mean, that's ridiculous.
[01:24:05.640 --> 01:24:10.560]  I mean, look how many CEOs out there get paid multi-millions of dollars, then they turn
[01:24:10.560 --> 01:24:13.560]  around and lay off 5,000 people.
[01:24:13.560 --> 01:24:14.560]  Yeah, really.
[01:24:14.560 --> 01:24:21.280]  If you're sending that CEO your paycheck, demand your paycheck from him.
[01:24:21.280 --> 01:24:27.200]  You all know, and everybody that's ever worked, is the CEO doesn't do that much.
[01:24:27.200 --> 01:24:34.080]  It's always the beyond down the line that do the work.
[01:24:34.080 --> 01:24:38.400]  All the CEO does is he looks at it and determines which is the best way to go.
[01:24:38.400 --> 01:24:39.400]  Right.
[01:24:39.400 --> 01:24:45.400]  So then the hell would that man be worth $50, $70 million and all that stuff when the peons
[01:24:45.400 --> 01:24:48.400]  below them are the ones that actually do it?
[01:24:48.400 --> 01:24:51.200]  You want to hear a funny story?
[01:24:51.200 --> 01:24:52.200]  Yes.
[01:24:52.200 --> 01:24:53.200]  Okay.
[01:24:53.200 --> 01:25:00.960]  A few years ago, EDS in Dallas, I think they've sold out to HP right now, but EDS in Dallas,
[01:25:00.960 --> 01:25:05.760]  which is a pretty big company, Ross Perot's former company, they'd hired an executive
[01:25:05.760 --> 01:25:12.800]  British guy and they were paying him quite well and the results of the company really
[01:25:12.800 --> 01:25:15.400]  weren't that good.
[01:25:15.400 --> 01:25:19.760]  And not only that, but he had Mickey Mouse the accounting to where he had booked all
[01:25:19.760 --> 01:25:23.360]  these contracts and showed all these profits and then at the end of the contracts he had
[01:25:23.360 --> 01:25:26.400]  to eat all the losses that actually occurred.
[01:25:26.400 --> 01:25:30.480]  So he went to a shareholders meeting.
[01:25:30.480 --> 01:25:33.600]  Shareholders were pretty pissed off because the stock hadn't done anything and the company
[01:25:33.600 --> 01:25:35.840]  wasn't making the kind of money they thought.
[01:25:35.840 --> 01:25:36.840]  Okay.
[01:25:36.840 --> 01:25:43.000]  So some of the rabbit shareholders got up and said, explain to me, sir, why you are
[01:25:43.000 --> 01:25:45.600]  worth $50 million a year in salary?
[01:25:45.600 --> 01:25:50.320]  You know what his answer was?
[01:25:50.320 --> 01:25:52.760]  He said, I have a very expensive wife.
[01:25:52.760 --> 01:25:54.800]  Oh, well, yeah.
[01:25:54.800 --> 01:25:59.000]  Well, that's his problem.
[01:25:59.000 --> 01:26:03.040]  That's his problem.
[01:26:03.040 --> 01:26:06.360]  He has an expensive wife and that makes him valuable.
[01:26:06.360 --> 01:26:08.320]  I take it they got rid of him.
[01:26:08.320 --> 01:26:12.080]  They got rid of him within six months.
[01:26:12.080 --> 01:26:14.600]  My goodness.
[01:26:14.600 --> 01:26:18.680]  Maybe I should get an expensive wife and I'd be worth $50 million.
[01:26:18.680 --> 01:26:19.680]  And I'm kidding.
[01:26:19.680 --> 01:26:20.680]  $50 million a year.
[01:26:20.680 --> 01:26:30.920]  Okay, guys, listen, we need to move on to some other callers.
[01:26:30.920 --> 01:26:33.840]  You can stay on the line if you want, Tony, so you can make comments.
[01:26:33.840 --> 01:26:34.840]  Okay, sure.
[01:26:34.840 --> 01:26:35.840]  No problem.
[01:26:35.840 --> 01:26:36.840]  Okay.
[01:26:36.840 --> 01:26:37.840]  All right.
[01:26:37.840 --> 01:26:38.840]  Let's go on to now.
[01:26:38.840 --> 01:26:40.440]  We've got John in Austin who's been patiently waiting.
[01:26:40.440 --> 01:26:41.520]  Thanks, John, for calling in.
[01:26:41.520 --> 01:26:42.520]  What's on your mind tonight?
[01:26:42.520 --> 01:26:46.880]  Well, let me ask you all a question.
[01:26:46.880 --> 01:26:51.960]  If I wanted to change the topic, how would you all feel about that, is something revolving
[01:26:51.960 --> 01:26:53.440]  around employment?
[01:26:53.440 --> 01:26:57.120]  I would press my taser mic, my mic taser.
[01:26:57.120 --> 01:26:58.120]  It's fine.
[01:26:58.120 --> 01:26:59.120]  It's fine.
[01:26:59.120 --> 01:27:00.120]  Go ahead, John.
[01:27:00.120 --> 01:27:04.000]  Well, it kind of boils in.
[01:27:04.000 --> 01:27:05.400]  Are you all...
[01:27:05.400 --> 01:27:07.400]  I work for a university.
[01:27:07.400 --> 01:27:08.400]  Hello?
[01:27:08.400 --> 01:27:09.400]  Yeah, John.
[01:27:09.400 --> 01:27:10.400]  Go ahead.
[01:27:10.400 --> 01:27:11.400]  Okay.
[01:27:11.400 --> 01:27:24.760]  I work for a university and recently, basically, I'll boil it down real quick, it's retaliation
[01:27:24.760 --> 01:27:36.880]  against me for filing a response to a complaint and the retaliation against me got me injured.
[01:27:36.880 --> 01:27:40.760]  Well, that sounds interesting.
[01:27:40.760 --> 01:27:45.400]  Yeah, they told me to go clean.
[01:27:45.400 --> 01:27:54.120]  I had an eye injury that I suffered off the job, okay, so no problem there, was off one
[01:27:54.120 --> 01:27:59.800]  day, which apparently took my supervisor off, but I let them know what was going on and
[01:27:59.800 --> 01:28:03.400]  had a note from the doctor, all that nice little stuff.
[01:28:03.400 --> 01:28:10.680]  Go back to work and they have me out cleaning machinery, which is not normally what I do.
[01:28:10.680 --> 01:28:17.480]  In fact, they brought somebody in to do my job so I could go clean machinery, okay, which
[01:28:17.480 --> 01:28:20.440]  is all covered in dust and grit and grease and...
[01:28:20.440 --> 01:28:25.200]  Yeah, that's a nice thing to have you do after you just got an eye injury.
[01:28:25.200 --> 01:28:34.560]  And then I spent two hours today at the doctor's office getting my eye flushed out and they
[01:28:34.560 --> 01:28:42.240]  checked it and, of course, it scratched worse than the original injury.
[01:28:42.240 --> 01:28:47.120]  And what they're trying to do, and I think we're going to see more of this, unfortunately,
[01:28:47.120 --> 01:28:55.600]  is they're trying to push me out the door to have me resign or they claim abandonment
[01:28:55.600 --> 01:29:02.440]  so that there's no recourse back to the university and back to these guys.
[01:29:02.440 --> 01:29:08.400]  They just, you know, he abandoned his job, he got fed up and quit, so be it.
[01:29:08.400 --> 01:29:16.280]  And I've heard rumblings, I can't prove it, that the supervisor has a buddy who just lost
[01:29:16.280 --> 01:29:21.600]  his job and they want to bring him in for my slot.
[01:29:21.600 --> 01:29:26.840]  And I've been trying to work up the line at the university, nothing there, I even went
[01:29:26.840 --> 01:29:33.760]  to HR and got the assistant director of HR and, basically, I was treated sort of like
[01:29:33.760 --> 01:29:42.120]  a lowly troll because I work in the, you know, facilities area, and this is my opinion, I
[01:29:42.120 --> 01:29:43.120]  imagine.
[01:29:43.120 --> 01:29:45.040]  Okay, wait a minute, wait, wait, hold on, John.
[01:29:45.040 --> 01:29:46.040]  We're going to break right now.
[01:29:46.040 --> 01:29:50.600]  We're going to get back to this on the other side, what to do about employer retaliation.
[01:29:50.600 --> 01:29:52.200]  We'll be right back.
[01:29:52.200 --> 01:30:00.000]  This is the Rule of Law Radio, Kelton and Deborah Stevens on Rule of Law Radio.
[01:30:00.000 --> 01:30:04.120]  Gold prices are at historic highs, and with the recent pullback, this is a great time
[01:30:04.120 --> 01:30:05.120]  to buy.
[01:30:05.120 --> 01:30:09.480]  With the value of the dollar, risks of inflation, geopolitical uncertainties, and instability
[01:30:09.480 --> 01:30:13.040]  in world financial systems, I see gold going up much higher.
[01:30:13.040 --> 01:30:16.360]  Hi, I'm Tim Fry at Roberts and Roberts Brokerage.
[01:30:16.360 --> 01:30:20.080]  Everybody should have some of their assets in investment grade precious metals.
[01:30:20.080 --> 01:30:24.040]  At Roberts and Roberts Brokerage, you can buy gold, silver, and platinum with confidence
[01:30:24.040 --> 01:30:29.040]  from a brokerage that's specialized in the precious metals market since 1977.
[01:30:29.040 --> 01:30:32.800]  If you are new to precious metals, we will happily provide you with the information you
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[01:30:37.200 --> 01:30:41.560]  Also, Roberts and Roberts Brokerage values your privacy and will always advise you in
[01:30:41.560 --> 01:30:44.960]  the event that we would be required to report any transaction.
[01:30:44.960 --> 01:30:49.080]  If you have gold, silver, or platinum you'd like to sell, we can convert it for immediate
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[01:30:53.840 --> 01:31:20.240]  We're at Roberts and Roberts Brokerage, 800-874-9760.
[01:31:53.840 --> 01:32:02.480]  All right, throw the vote machines away.
[01:32:02.480 --> 01:32:06.640]  This is rule of law, Randy Kelton and Deborah Stevens.
[01:32:06.640 --> 01:32:13.920]  All right, we're speaking right now with John in Austin talking about some apparent employer
[01:32:13.920 --> 01:32:14.920]  retaliation.
[01:32:14.920 --> 01:32:22.520]  I'd like to get Tony's take on this too, because yeah, I mean, just the concept that you get
[01:32:22.520 --> 01:32:26.580]  an eye injury, whether it's off the job or on the job, doesn't matter.
[01:32:26.580 --> 01:32:31.000]  You have an eye injury, and I know about eye injuries because I actually have an eye injury
[01:32:31.000 --> 01:32:39.240]  myself right now, and I think it's pretty preposterous to conceive that your employer
[01:32:39.240 --> 01:32:45.560]  would send you to work to clean dust and grime off of machinery when you have an injured
[01:32:45.560 --> 01:32:46.560]  eye.
[01:32:46.560 --> 01:32:53.160]  So now your injury is even worse, so please continue, and then I want to get Tony's comments
[01:32:53.160 --> 01:32:57.360]  about this as well as Randy's on what we could do about this.
[01:32:57.360 --> 01:33:01.440]  And basically, I've been trying... Can y'all hear me okay?
[01:33:01.440 --> 01:33:02.880]  Oh yeah, we can hear you just fine.
[01:33:02.880 --> 01:33:03.880]  Go ahead.
[01:33:03.880 --> 01:33:04.880]  Okay.
[01:33:04.880 --> 01:33:09.640]  I've been following the chain and just not getting any satisfaction with it.
[01:33:09.640 --> 01:33:10.640]  I'm not getting anywhere.
[01:33:10.640 --> 01:33:20.520]  In fact, it's kind of like playing whack-a-mole every time I file a letter or a response or
[01:33:20.520 --> 01:33:21.520]  do anything.
[01:33:21.520 --> 01:33:30.560]  You know, I just get beat down, and the retaliation is progressively getting worse, and I'm not
[01:33:30.560 --> 01:33:31.560]  trying to whine.
[01:33:31.560 --> 01:33:32.560]  Don't get me wrong here.
[01:33:32.560 --> 01:33:39.880]  I'm not an old, poor, me kind of guy, but this is just outlandish.
[01:33:39.880 --> 01:33:49.240]  And at a state... I guess my question is, going after a state entity, what do you guys
[01:33:49.240 --> 01:33:50.240]  think?
[01:33:50.240 --> 01:33:51.240]  Is your employer the state?
[01:33:51.240 --> 01:33:52.240]  Yeah.
[01:33:52.240 --> 01:33:53.240]  Oh, wow.
[01:33:53.240 --> 01:33:54.240]  Okay.
[01:33:54.240 --> 01:33:58.040]  In fact, the state university, they're a state institution.
[01:33:58.040 --> 01:34:00.480]  I have some ideas for you.
[01:34:00.480 --> 01:34:01.480]  Oh, good.
[01:34:01.480 --> 01:34:02.480]  Yay.
[01:34:02.480 --> 01:34:07.520]  Yeah, we just handled a lady that was a black female that worked for the cancer clinic here
[01:34:07.520 --> 01:34:14.560]  in Austin, and she had worked there for a couple of years and tried to get promotions
[01:34:14.560 --> 01:34:19.960]  and raises and things like that, and they always moved in their favorite people or their
[01:34:19.960 --> 01:34:27.560]  buddies and kept her at the same level, even though she was qualified for the other positions.
[01:34:27.560 --> 01:34:33.200]  We prepared a lawsuit for our civil rights lawsuit, and the requirement on the civil
[01:34:33.200 --> 01:34:37.720]  rights lawsuit is you have to file an EEOC claim first.
[01:34:37.720 --> 01:34:38.720]  Okay?
[01:34:38.720 --> 01:34:43.840]  So what you need to do is file an EEOC claim right now and get the EEOC to investigate
[01:34:43.840 --> 01:34:49.080]  the university related to your claims, and then provide them all the documentation.
[01:34:49.080 --> 01:34:53.640]  Would they do that on this kind of... because it's not discrimination.
[01:34:53.640 --> 01:34:54.640]  I don't think.
[01:34:54.640 --> 01:34:55.640]  Of course it's discrimination.
[01:34:55.640 --> 01:34:56.640]  Equal opportunity.
[01:34:56.640 --> 01:34:57.640]  Yeah, retaliation.
[01:34:57.640 --> 01:35:04.400]  I mean, basically, if they're trying to move in their buddies, okay, to get rid of you,
[01:35:04.400 --> 01:35:05.400]  that is discrimination.
[01:35:05.400 --> 01:35:11.000]  You know, because like Texas being a right to work state, you know, if I'm... and see,
[01:35:11.000 --> 01:35:19.560]  I just had a review less than a month ago, and I scored high marks on my technical ability
[01:35:19.560 --> 01:35:27.360]  and, you know, average or within policy for everything else, okay?
[01:35:27.360 --> 01:35:29.960]  So that's kind of documented.
[01:35:29.960 --> 01:35:38.880]  And so all of a sudden this stuff pops up, and it actually started when I've been having
[01:35:38.880 --> 01:35:44.400]  some back issues, nothing major, but I have a little bit of sciatica, you know, pensioner
[01:35:44.400 --> 01:35:48.920]  back, and, you know, I took off a day.
[01:35:48.920 --> 01:35:49.920]  I come back.
[01:35:49.920 --> 01:35:51.920]  They give me a 12 hour shift.
[01:35:51.920 --> 01:35:54.520]  My leg gets kind of swollen.
[01:35:54.520 --> 01:36:01.720]  I go to take another day, and then I get called by my supervisor who says, if you don't come
[01:36:01.720 --> 01:36:05.640]  in, we're going to see it as job abandonment, and...
[01:36:05.640 --> 01:36:06.640]  Job abandonment?
[01:36:06.640 --> 01:36:07.640]  Yeah.
[01:36:07.640 --> 01:36:08.640]  How long have you been working there?
[01:36:08.640 --> 01:36:09.640]  A year.
[01:36:09.640 --> 01:36:14.280]  So you're telling me that half a day or one day would be job abandonment?
[01:36:14.280 --> 01:36:15.280]  That's what they're trying to claim.
[01:36:15.280 --> 01:36:22.680]  It doesn't fit the policy state three days without notifying one and stuff, and they have
[01:36:22.680 --> 01:36:23.880]  to make notification to you.
[01:36:23.880 --> 01:36:25.960]  And, of course, I'm notifying them.
[01:36:25.960 --> 01:36:30.120]  Guy calls me, but obviously he knows I'm going to be out.
[01:36:30.120 --> 01:36:31.480]  Well, how would he know I'd be out?
[01:36:31.480 --> 01:36:33.880]  Because I told him, you know.
[01:36:33.880 --> 01:36:40.160]  And he says, then the next day they put me on a 16 hour shift, and I wind up back in
[01:36:40.160 --> 01:36:46.600]  the doctor's office again having to get reshot, get, you know, they had to redo the procedure
[01:36:46.600 --> 01:36:52.040]  they did to get everything settled down so I could get back to work.
[01:36:52.040 --> 01:36:56.320]  You know, monkeys can't even work 16 hours.
[01:36:56.320 --> 01:37:04.680]  Well, I worked a 16 hour shift, and that's the max shift by law that you're allowed
[01:37:04.680 --> 01:37:05.680]  to work.
[01:37:05.680 --> 01:37:08.560]  Well, that was pure retaliation, is all that word.
[01:37:08.560 --> 01:37:11.360]  Sure, and then they canceled my vacation leave, but then...
[01:37:11.360 --> 01:37:14.120]  These guys are real sweethearts.
[01:37:14.120 --> 01:37:15.920]  They canceled your vacation leave?
[01:37:15.920 --> 01:37:19.400]  Do you have any sick leave, John?
[01:37:19.400 --> 01:37:20.400]  I'm sorry?
[01:37:20.400 --> 01:37:22.120]  Do you have any sick leave?
[01:37:22.120 --> 01:37:24.200]  Oh God, I've got leave out the wazoo.
[01:37:24.200 --> 01:37:30.800]  I was going to take 40 hours of comp time to go take my family on vacation.
[01:37:30.800 --> 01:37:35.280]  Well, why didn't you take some sick leave when you got this eye injury?
[01:37:35.280 --> 01:37:40.600]  Because every time I take leave, Deborah, they retaliate against me.
[01:37:40.600 --> 01:37:41.600]  Oh my goodness.
[01:37:41.600 --> 01:37:44.160]  Okay, you know what we need to do?
[01:37:44.160 --> 01:37:47.920]  Maybe you should provide Deborah and Randy the names of these people, because they would
[01:37:47.920 --> 01:37:53.120]  have to be listed as the top 100 employers in the country, okay?
[01:37:53.120 --> 01:37:57.320]  And then everybody would want to go to work for them so they could be abused.
[01:37:57.320 --> 01:38:08.600]  I mean, I used to pay big money in Dallas, but at least they dressed up as kind of abuse,
[01:38:08.600 --> 01:38:09.600]  you know?
[01:38:09.600 --> 01:38:10.600]  Little leather and chain action, but...
[01:38:10.600 --> 01:38:11.600]  Oh my gosh.
[01:38:11.600 --> 01:38:12.600]  You silly pervert.
[01:38:12.600 --> 01:38:20.160]  Well, have you tried a tort letter?
[01:38:20.160 --> 01:38:22.320]  I don't know what that is, sir.
[01:38:22.320 --> 01:38:27.160]  Well, you're working for the state under contract.
[01:38:27.160 --> 01:38:31.360]  Now, granted, this is a right to work state.
[01:38:31.360 --> 01:38:32.360]  Correct.
[01:38:32.360 --> 01:38:35.800]  However, you're working under contract.
[01:38:35.800 --> 01:38:42.480]  You have an employment contract with the state, and you also have a property interest in your
[01:38:42.480 --> 01:38:43.480]  employment.
[01:38:43.480 --> 01:38:52.080]  And if someone is interfering with your property interest and interfering with your contract,
[01:38:52.080 --> 01:38:57.320]  you have a right to sue them, but the court doesn't want you to sue them until you give
[01:38:57.320 --> 01:38:59.360]  them notice that you've been harmed.
[01:38:59.360 --> 01:39:00.360]  Gotcha.
[01:39:00.360 --> 01:39:02.960]  Tort letters are a lot of fun.
[01:39:02.960 --> 01:39:05.400]  State tort action in your case.
[01:39:05.400 --> 01:39:17.360]  So you send a letter to the employer, to whoever your supervisor is, and notify him that you
[01:39:17.360 --> 01:39:25.760]  feel as though that he's harmed you and you have a duty to... If you have a concern and
[01:39:25.760 --> 01:39:31.440]  you feel you've been harmed, you have a duty to notify him prior to taking further action.
[01:39:31.440 --> 01:39:36.000]  Send it to him certified, so he has to sign for it, that'll tell him you mean business.
[01:39:36.000 --> 01:39:44.600]  Yeah, of course, I'm... Okay, what they're trying to do is to get rid of you, and that's
[01:39:44.600 --> 01:39:45.600]  the bottom line.
[01:39:45.600 --> 01:39:46.720]  You need to walk.
[01:39:46.720 --> 01:39:50.800]  That's the whole thing, because with it being a right to work state, they could just walk
[01:39:50.800 --> 01:39:56.400]  in and say, you're out of here, hit the bricks, except they've done one series, they've made
[01:39:56.400 --> 01:39:57.400]  one series here.
[01:39:57.400 --> 01:40:04.080]  Okay, there's a Supreme Court case called Boarding Courtship versus... Okay, and in
[01:40:04.080 --> 01:40:11.520]  that case, what it says is that even the appearance of retaliation is a due process violation.
[01:40:11.520 --> 01:40:16.240]  So you now have a constitutional claim against the university, and you have a constitutional
[01:40:16.240 --> 01:40:21.040]  claim against the principals involved in this, or the employees involved in this.
[01:40:21.040 --> 01:40:26.240]  So you now have the right to sue them, and you might be able to collect some significant
[01:40:26.240 --> 01:40:28.920]  money on this if you do it right.
[01:40:28.920 --> 01:40:33.280]  I'm not... Well, I'm not that worried about the money.
[01:40:33.280 --> 01:40:37.480]  Okay, but I can tell you that what they're trying to do is get rid of you.
[01:40:37.480 --> 01:40:44.440]  Right, and of course, it's kind of funny, and you lose your job, you lose your mortgage,
[01:40:44.440 --> 01:40:51.120]  so I was listening to the mortgage part of this very intently, by the way.
[01:40:51.120 --> 01:40:59.960]  But the big thing is, it's just... I made a sort of a New Year's resolution that you
[01:40:59.960 --> 01:41:07.080]  fight tyranny where you find it, and I think the thing that's ticked them off so bad is
[01:41:07.080 --> 01:41:14.320]  I'm the first person that stood up and say, no, you can't do this, or you have no grounds
[01:41:14.320 --> 01:41:15.320]  for that.
[01:41:15.320 --> 01:41:21.480]  It's like they'll fight me up, and I'll send in a response, a very well-crafted, professional
[01:41:21.480 --> 01:41:25.760]  response, and then it just keeps escalating.
[01:41:25.760 --> 01:41:32.200]  That's because they're trying to get even with you for challenging the system.
[01:41:32.200 --> 01:41:37.440]  These are the same kind of guys that, when young girls come in to work there, then they
[01:41:37.440 --> 01:41:39.840]  ask them to go over to their apartment and look at their etchings.
[01:41:39.840 --> 01:41:45.560]  Okay, I mean, these guys are below the earth, I mean, they don't even belong.
[01:41:45.560 --> 01:41:48.920]  Yeah, and Russell from Texas has called back in.
[01:41:48.920 --> 01:41:52.080]  He may have some comments about this employer situation.
[01:41:52.080 --> 01:41:55.760]  Russell, you have any comments about this employment situation?
[01:41:55.760 --> 01:42:01.040]  You need to document everything, make a daily diary of whatever's going on, who said what
[01:42:01.040 --> 01:42:07.400]  to you, everything, because it will matter whenever you do file a complaint in the future.
[01:42:07.400 --> 01:42:10.480]  Russell, I've been doing that.
[01:42:10.480 --> 01:42:15.440]  Fortunately, I've been capturing a lot of what my supervisor's doing.
[01:42:15.440 --> 01:42:19.200]  He leaves voicemails on my cell phone.
[01:42:19.200 --> 01:42:20.200]  That's real bright.
[01:42:20.200 --> 01:42:26.440]  Well, and I've got email traffic, and then also I document.
[01:42:26.440 --> 01:42:33.440]  The thing I didn't tell you, I was an investigator for 14 years before this at the attorney general's
[01:42:33.440 --> 01:42:35.440]  office, state attorney general's office.
[01:42:35.440 --> 01:42:37.600]  Oh, you've called in before.
[01:42:37.600 --> 01:42:39.800]  I remember you now.
[01:42:39.800 --> 01:42:42.720]  Okay, well, here's what you need.
[01:42:42.720 --> 01:42:45.480]  Just go to the attorney general and get the guy fired.
[01:42:45.480 --> 01:42:46.480]  Sir?
[01:42:46.480 --> 01:42:49.680]  Go to the attorney general and get him fired.
[01:42:49.680 --> 01:42:54.840]  Well, unfortunately, I'm not there.
[01:42:54.840 --> 01:42:55.840]  You don't have to be there.
[01:42:55.840 --> 01:42:56.840]  You just have to go there.
[01:42:56.840 --> 01:43:05.760]  Okay, I borrow someone's don't tase me bro shirt.
[01:43:05.760 --> 01:43:14.400]  Anyway, but... Go up the chain of command, okay?
[01:43:14.400 --> 01:43:19.920]  Just bypass him and go above him and find somebody that appears to be impartial.
[01:43:19.920 --> 01:43:25.160]  Usually, you can find someone that will be on your side somewhere up the chain.
[01:43:25.160 --> 01:43:31.160]  At the university where I work, I mean, I don't know anybody.
[01:43:31.160 --> 01:43:34.880]  I work eight in the evening until four in the morning shift.
[01:43:34.880 --> 01:43:37.000]  This is me and one other person.
[01:43:37.000 --> 01:43:40.000]  I don't have any contact.
[01:43:40.000 --> 01:43:41.000]  Listen for a minute, all right?
[01:43:41.000 --> 01:43:42.000]  I'm listening.
[01:43:42.000 --> 01:43:43.000]  I'm sorry.
[01:43:43.000 --> 01:43:44.000]  Okay, okay.
[01:43:44.000 --> 01:43:46.240]  They have a board of directors at the university, right, or...
[01:43:46.240 --> 01:43:47.240]  Regent.
[01:43:47.240 --> 01:43:48.240]  Board of regents.
[01:43:48.240 --> 01:43:49.240]  Okay, board of regents.
[01:43:49.240 --> 01:43:50.240]  Okay.
[01:43:50.240 --> 01:43:51.240]  When do they meet?
[01:43:51.240 --> 01:43:52.240]  I'm not sure.
[01:43:52.240 --> 01:43:53.240]  I can't answer that.
[01:43:53.240 --> 01:43:54.240]  Okay.
[01:43:54.240 --> 01:44:00.120]  And when they're at their next meeting, why don't you get all your evidence and you go
[01:44:00.120 --> 01:44:04.440]  in and you stand there at the door when they come in and you present all the evidence to
[01:44:04.440 --> 01:44:07.040]  all the board of regents members, okay?
[01:44:07.040 --> 01:44:09.640]  And then you get up the chain of command.
[01:44:09.640 --> 01:44:11.800]  You pull a Wendy on them.
[01:44:11.800 --> 01:44:17.120]  You remember how Randy always says, you go to the sheriff or the chief of police to get
[01:44:17.120 --> 01:44:20.000]  a cop off, keep a cop off of you?
[01:44:20.000 --> 01:44:21.000]  Yeah.
[01:44:21.000 --> 01:44:22.000]  That's what he's basically saying.
[01:44:22.000 --> 01:44:23.000]  I gotcha.
[01:44:23.000 --> 01:44:24.000]  Yeah.
[01:44:24.000 --> 01:44:25.000]  Yeah.
[01:44:25.000 --> 01:44:26.000]  Everybody's got a boss, okay?
[01:44:26.000 --> 01:44:31.960]  And once they, those bosses, your boss determines that you will go way over the top of his head
[01:44:31.960 --> 01:44:38.400]  to the highest line of people, I bet you your situation's going to change.
[01:44:38.400 --> 01:44:39.400]  Yeah.
[01:44:39.400 --> 01:44:40.400]  Yeah.
[01:44:40.400 --> 01:44:43.040]  You're likely to get a title of nobility.
[01:44:43.040 --> 01:44:48.920]  Yeah, they might even promote you and give you a title of race.
[01:44:48.920 --> 01:44:49.920]  Yeah.
[01:44:49.920 --> 01:44:51.400]  Yeah, British sir.
[01:44:51.400 --> 01:44:59.320]  Yeah, what they may do is put you in a different department out from underneath this supervisor
[01:44:59.320 --> 01:45:00.320]  of yours.
[01:45:00.320 --> 01:45:03.000]  Or they may just get rid of the supervisor altogether if they've had other complaints
[01:45:03.000 --> 01:45:04.000]  on them too.
[01:45:04.000 --> 01:45:08.240]  If the regents don't do anything and stuff, then you got that much more powerful information
[01:45:08.240 --> 01:45:10.320]  against the university.
[01:45:10.320 --> 01:45:13.120]  The regents won't have to do anything.
[01:45:13.120 --> 01:45:19.880]  They will just say, hey, they'll say to the president of the university, what is this?
[01:45:19.880 --> 01:45:23.960]  And the president of the university will get it and he'll start walking down the chain
[01:45:23.960 --> 01:45:25.200]  asking what is this?
[01:45:25.200 --> 01:45:29.840]  And when it gets to the bottom, it's big trouble no matter what.
[01:45:29.840 --> 01:45:31.400]  You start at the top and you go down.
[01:45:31.400 --> 01:45:33.600]  Let me tell you a little story, okay?
[01:45:33.600 --> 01:45:38.040]  One time we were in the funding business and we were funding a lot of leases and stuff
[01:45:38.040 --> 01:45:39.480]  like that.
[01:45:39.480 --> 01:45:45.640]  We got a deal in from some lady in New Mexico and she sent in a deposit check and it bounced.
[01:45:45.640 --> 01:45:47.800]  Okay, so we canceled the lease.
[01:45:47.800 --> 01:45:49.280]  We didn't do it.
[01:45:49.280 --> 01:45:53.520]  She called, you know, we were getting funded by General Motors Corporation at the time,
[01:45:53.520 --> 01:45:56.320]  which used to be a big company, okay?
[01:45:56.320 --> 01:46:02.080]  And so what she did is she picked up the phone and called Roger Smith, okay, the chairman
[01:46:02.080 --> 01:46:10.080]  of General Motors, and asked why her lease hadn't been funded.
[01:46:10.080 --> 01:46:14.200]  Roger Smith called us and said, I don't care if her check bounced or not.
[01:46:14.200 --> 01:46:15.200]  You fund her lease.
[01:46:15.200 --> 01:46:16.200]  I'm tired of these phone calls.
[01:46:16.200 --> 01:46:17.200]  You got one, okay?
[01:46:17.200 --> 01:46:22.080]  I understand, that's good.
[01:46:22.080 --> 01:46:24.600]  He's got a low tolerance, that's for sure.
[01:46:24.600 --> 01:46:34.600]  And because of the liability this guy is putting out toward the university, in my opinion,
[01:46:34.600 --> 01:46:35.600]  a loan is incredible.
[01:46:35.600 --> 01:46:39.000]  Well, don't you think the university, the top people's university would want to know
[01:46:39.000 --> 01:46:40.000]  about that?
[01:46:40.000 --> 01:46:41.000]  Yeah.
[01:46:41.000 --> 01:46:42.520]  Okay, then go to the top people.
[01:46:42.520 --> 01:46:45.960]  I ran my own business for 35 years.
[01:46:45.960 --> 01:46:51.040]  I hire people, they go to work for me, they screw up real bad.
[01:46:51.040 --> 01:46:57.720]  Are they going to come to me and say, yo, boss, I really screwed up?
[01:46:57.720 --> 01:46:59.720]  Never happens.
[01:46:59.720 --> 01:47:04.480]  The people who generally own the business and have their investment in the business,
[01:47:04.480 --> 01:47:08.760]  they're the last one to know when something's going wrong.
[01:47:08.760 --> 01:47:13.360]  So put on a suit and tie, make the package real pretty and easy.
[01:47:13.360 --> 01:47:14.360]  Exactly.
[01:47:14.360 --> 01:47:16.800]  And hand it out.
[01:47:16.800 --> 01:47:17.800]  Exactly.
[01:47:17.800 --> 01:47:24.800]  And if you get transferred to another section, they will treat you like a king because they're
[01:47:24.800 --> 01:47:26.880]  not going to want it to happen to them.
[01:47:26.880 --> 01:47:31.200]  Go to the top of the chain.
[01:47:31.200 --> 01:47:34.280]  Well, thank you all so much.
[01:47:34.280 --> 01:47:35.600]  Thank you, John.
[01:47:35.600 --> 01:47:41.640]  I had a friend once who moved down from Colorado, had his own business, this was years ago and
[01:47:41.640 --> 01:47:46.600]  he had a phone put in and he paid extra to get a private line in, they put him on a six
[01:47:46.600 --> 01:47:48.240]  party line.
[01:47:48.240 --> 01:47:50.400]  He was very unhappy.
[01:47:50.400 --> 01:47:55.400]  So it happened that Syntel was the phone company and I knew if you go to call Syntel, they'd
[01:47:55.400 --> 01:47:59.820]  tell you that their headquarters were in Waco, but actually it was in Chicago.
[01:47:59.820 --> 01:48:03.720]  So I called Chicago and asked for who the president was.
[01:48:03.720 --> 01:48:07.460]  They gave me a little hard time to find that I gave them a story that I was doing a paper
[01:48:07.460 --> 01:48:11.880]  on telephone companies and I just want to know the names of all the presidents.
[01:48:11.880 --> 01:48:13.080]  So they gave me the name of the president.
[01:48:13.080 --> 01:48:18.800]  I hung up, called back, asked for the president by name, got his secretary.
[01:48:18.800 --> 01:48:19.800]  I asked for him.
[01:48:19.800 --> 01:48:20.800]  Well, he's not here.
[01:48:20.800 --> 01:48:21.800]  I said, well, who is there?
[01:48:21.800 --> 01:48:23.360]  She said, well, Mr. Rice is here.
[01:48:23.360 --> 01:48:24.360]  Well, who is he?
[01:48:24.360 --> 01:48:26.320]  Well, he's chairman of the board.
[01:48:26.320 --> 01:48:27.320]  That's even better.
[01:48:27.320 --> 01:48:29.020]  I said, he'll do.
[01:48:29.020 --> 01:48:31.760]  And I said, hey, Mark, this guy's in Chicago.
[01:48:31.760 --> 01:48:33.040]  His name is Rice.
[01:48:33.040 --> 01:48:34.160]  He can help you.
[01:48:34.160 --> 01:48:36.020]  And Mark is pretty ticked.
[01:48:36.020 --> 01:48:42.200]  He grabs the phone and he said, hello, Rice, look, I paid you guys for a private line.
[01:48:42.200 --> 01:48:44.480]  You put me on a six-party line.
[01:48:44.480 --> 01:48:48.960]  I'm going to have my private line if I have to come up to Chicago and kick your behind
[01:48:48.960 --> 01:48:50.120]  to get it.
[01:48:50.120 --> 01:48:55.240]  And slammed down the phone, I said, Mark, you know who that was?
[01:48:55.240 --> 01:48:56.240]  I don't know.
[01:48:56.240 --> 01:48:57.240]  Some Rice guy.
[01:48:57.240 --> 01:48:59.680]  That was a chairman of the board.
[01:48:59.680 --> 01:49:06.920]  30 minutes later, he gets a call of Mr. Whitney, executive vice president of this five-state
[01:49:06.920 --> 01:49:07.920]  area.
[01:49:07.920 --> 01:49:11.120]  Mr. Maserolle, about your private line.
[01:49:11.120 --> 01:49:14.320]  Will tomorrow noon be soon enough?
[01:49:14.320 --> 01:49:22.440]  I came out the next day and I bet there were 200 guys out there, up holes, ditch witches.
[01:49:22.440 --> 01:49:29.440]  Turned out the company was trying to get this area to upgrade and the locals had been resisting.
[01:49:29.440 --> 01:49:32.600]  Well, they didn't resist anymore.
[01:49:32.600 --> 01:49:35.160]  It really works to go to the top.
[01:49:35.160 --> 01:49:43.000]  Well, like I said, my concern and the reason I'm bringing this up and getting some feedback,
[01:49:43.000 --> 01:49:48.040]  not only for personal reasons, but I also see that with the economy doing what it's
[01:49:48.040 --> 01:49:53.800]  doing, tragically, unfortunately, we're going to see more of this, I'm afraid.
[01:49:53.800 --> 01:49:55.720]  And I hope you don't get more calls like this.
[01:49:55.720 --> 01:50:01.440]  I don't like seeing happen to people, but I'm afraid it probably will.
[01:50:01.440 --> 01:50:04.200]  You're going to see a lot more of it.
[01:50:04.200 --> 01:50:08.080]  You know, the unemployment rate is something like 8% right now, which is the highest in
[01:50:08.080 --> 01:50:09.080]  25 years.
[01:50:09.080 --> 01:50:12.080]  It's probably double because of the way they work.
[01:50:12.080 --> 01:50:14.080]  They talked about it on tonight's news.
[01:50:14.080 --> 01:50:16.680]  They said if you count everybody, it's 1428.
[01:50:16.680 --> 01:50:17.680]  Right.
[01:50:17.680 --> 01:50:18.680]  Yeah, we figured 16.
[01:50:18.680 --> 01:50:19.680]  Yeah, that's about right.
[01:50:19.680 --> 01:50:22.680]  Yeah, because they don't count the people who quit.
[01:50:22.680 --> 01:50:23.680]  They're just cooking.
[01:50:23.680 --> 01:50:28.320]  I've told people that my friends and stuff, I said that this is dropping the bucket.
[01:50:28.320 --> 01:50:32.240]  You're going to see 20 to 25% by the end of next year.
[01:50:32.240 --> 01:50:33.240]  Right.
[01:50:33.240 --> 01:50:35.240]  By running or pushing someone out the door.
[01:50:35.240 --> 01:50:40.040]  Well, it's going to get to the point to where a neighbor is going to have to take care of
[01:50:40.040 --> 01:50:41.040]  a neighbor.
[01:50:41.040 --> 01:50:44.960]  Yeah, but I guess what I was going to say, sir, was by pushing people out the door like
[01:50:44.960 --> 01:50:55.360]  they're trying to do me, the university avoids any type of having to pay workers, what do
[01:50:55.360 --> 01:50:56.360]  you call it?
[01:50:56.360 --> 01:50:57.360]  Workers' comp or unemployment?
[01:50:57.360 --> 01:50:59.360]  Unemployment or something, yeah.
[01:50:59.360 --> 01:51:06.920]  Unemployment, because if you abandon the job, quote unquote, you have no recourse, you
[01:51:06.920 --> 01:51:11.800]  can't file a workers' comp claim or receive workman's benefits.
[01:51:11.800 --> 01:51:13.800]  Yes, you can.
[01:51:13.800 --> 01:51:18.480]  You will go through a hearing and you will be able to propose your evidence, and if your
[01:51:18.480 --> 01:51:24.080]  policy says what you said it said, then they cannot count that as abandoning.
[01:51:24.080 --> 01:51:25.080]  Right.
[01:51:25.080 --> 01:51:26.080]  No, I understand.
[01:51:26.080 --> 01:51:32.960]  Unemployment, just because you don't get unemployment does not mean it can't be gotten.
[01:51:32.960 --> 01:51:34.080]  Right.
[01:51:34.080 --> 01:51:36.880]  And I agree 110% with you.
[01:51:36.880 --> 01:51:40.000]  And we need to let people know this.
[01:51:40.000 --> 01:51:42.160]  A lot of people don't know these things.
[01:51:42.160 --> 01:51:43.160]  Right.
[01:51:43.160 --> 01:51:49.560]  The companies, what's happening now is the companies are manipulating the, getting rid
[01:51:49.560 --> 01:51:51.960]  of them in order to minimize the cost.
[01:51:51.960 --> 01:51:56.520]  This whole thing is nothing but a force to bring this country to its knees.
[01:51:56.520 --> 01:51:57.520]  Yeah.
[01:51:57.520 --> 01:52:03.360]  It's because of the IMF and the banking institutions, but yet our government decides they want to
[01:52:03.360 --> 01:52:04.920]  bail them out.
[01:52:04.920 --> 01:52:07.080]  They should get rid of it.
[01:52:07.080 --> 01:52:13.360]  Go back to a gold standard or go back to the Kennedy when, just before Kennedy got shot,
[01:52:13.360 --> 01:52:17.120]  he wanted to, you have the US dollar again.
[01:52:17.120 --> 01:52:18.120]  Right.
[01:52:18.120 --> 01:52:22.600]  You're not going to find much argument with me on that point.
[01:52:22.600 --> 01:52:28.000]  I agree with your point, 95%.
[01:52:28.000 --> 01:52:33.520]  Our government, but I guess what I'm saying, as job markets become tighter and tighter and
[01:52:33.520 --> 01:52:39.280]  worse and worse, you're going to see, how would you put it?
[01:52:39.280 --> 01:52:40.280]  Employment terrorism?
[01:52:40.280 --> 01:52:42.720]  Can I use that term?
[01:52:42.720 --> 01:52:43.720]  Absolutely.
[01:52:43.720 --> 01:52:45.680]  That's what I was thinking earlier.
[01:52:45.680 --> 01:52:50.880]  You have people in a position to where they simply cannot afford to lose their job.
[01:52:50.880 --> 01:52:55.760]  And once you have that situation, you can pretty well do anything you want to to them.
[01:52:55.760 --> 01:52:56.760]  Right.
[01:52:56.760 --> 01:53:04.480]  That tyranny of the weak, I think is the term that, I forgot which author coined it, but
[01:53:04.480 --> 01:53:11.560]  you know, or like in this position, this guy's buddy gets out of work, this guy over here
[01:53:11.560 --> 01:53:16.760]  doesn't mean anything to me, smack out the door, we get him to leave, he gets so fed
[01:53:16.760 --> 01:53:18.880]  up and then I move my buddy in there.
[01:53:18.880 --> 01:53:19.880]  Right.
[01:53:19.880 --> 01:53:20.880]  Right.
[01:53:20.880 --> 01:53:26.000]  But the thing of it is, is the whole mortgage industry has changed so damn much.
[01:53:26.000 --> 01:53:31.400]  When I got out of college in 1970, my first mortgage payment on a house that probably
[01:53:31.400 --> 01:53:37.560]  wasn't $25,000 of a house was only $87 a month.
[01:53:37.560 --> 01:53:40.080]  It was a simple interest loan.
[01:53:40.080 --> 01:53:45.120]  All these damn things now are all compounding interest, I mean, the whole nine yards, and
[01:53:45.120 --> 01:53:48.200]  that's how they're making the money.
[01:53:48.200 --> 01:53:52.800]  When they put it, they want to keep the house in floor closure because they get the charge,
[01:53:52.800 --> 01:53:56.840]  all these services and stuff, get all these fees and shit for everything they do.
[01:53:56.840 --> 01:53:57.840]  Yeah.
[01:53:57.840 --> 01:54:02.320]  If you bring that to an end, there probably wouldn't be a foreclosure.
[01:54:02.320 --> 01:54:03.320]  Think about it.
[01:54:03.320 --> 01:54:08.800]  If you got a home that's $120,000 that's being foreclosed on, but yet that person in
[01:54:08.800 --> 01:54:15.000]  the home could still afford to pay even though it might be devalued to 80,000 feet.
[01:54:15.000 --> 01:54:20.720]  If you get rid of that home in a foreclosure, you're only going to get maybe a third for
[01:54:20.720 --> 01:54:21.720]  it.
[01:54:21.720 --> 01:54:26.000]  Where are you better off, getting $80,000 for it or the third?
[01:54:26.000 --> 01:54:33.800]  Plus, not only that, you have a tenant in the home and everyone knows the house will
[01:54:33.800 --> 01:54:36.720]  be better that way, and it's goodwill.
[01:54:36.720 --> 01:54:41.360]  I mean, if you help a guy out, you'll keep his business, and maybe things will turn around
[01:54:41.360 --> 01:54:45.720]  and he'll buy a bigger house from you, but people don't think like that anymore.
[01:54:45.720 --> 01:54:46.720]  Is it Russell?
[01:54:46.720 --> 01:54:47.720]  Right.
[01:54:47.720 --> 01:54:48.720]  Right.
[01:54:48.720 --> 01:54:51.640]  Russell, people don't think like that anymore.
[01:54:51.640 --> 01:54:56.200]  Ethics and humanity have pretty much flown out the window.
[01:54:56.200 --> 01:54:57.760]  They took the bus to Chicago.
[01:54:57.760 --> 01:54:58.760]  That's right.
[01:54:58.760 --> 01:54:59.760]  Oh, no.
[01:54:59.760 --> 01:55:01.480]  I used to live in Chicago.
[01:55:01.480 --> 01:55:03.680]  They didn't go there.
[01:55:03.680 --> 01:55:07.640]  But anyway, I'll let you guys go.
[01:55:07.640 --> 01:55:10.040]  I know there are other callers, and I don't want to hog the line.
[01:55:10.040 --> 01:55:11.040]  All right.
[01:55:11.040 --> 01:55:12.040]  Well, thanks for calling in, John.
[01:55:12.040 --> 01:55:13.600]  You all have a good evening.
[01:55:13.600 --> 01:55:14.600]  All right.
[01:55:14.600 --> 01:55:15.600]  You have a good evening.
[01:55:15.600 --> 01:55:16.600]  All right.
[01:55:16.600 --> 01:55:17.600]  We're going to go on now.
[01:55:17.600 --> 01:55:18.600]  We're going to go to Mark in Wisconsin.
[01:55:18.600 --> 01:55:20.160]  He's one of our affiliates.
[01:55:20.160 --> 01:55:23.040]  He's broadcasting our network up in Madison.
[01:55:23.040 --> 01:55:25.040]  Thanks for calling in, Mark.
[01:55:25.040 --> 01:55:26.040]  You're welcome.
[01:55:26.040 --> 01:55:27.040]  How is everyone?
[01:55:27.040 --> 01:55:29.040]  Everyone's doing well, at least on this end.
[01:55:29.040 --> 01:55:30.040]  Good.
[01:55:30.040 --> 01:55:31.040]  Good.
[01:55:31.040 --> 01:55:35.120]  As long as you guys are on the subject of banks, I say we cancel the debt, cancel all
[01:55:35.120 --> 01:55:37.640]  public and private debt right now.
[01:55:37.640 --> 01:55:42.760]  I mean, everybody could stay in their home, keep their cars small and medium-sized, even
[01:55:42.760 --> 01:55:49.720]  large-sized businesses that are highly leveraged would become healthy entities again.
[01:55:49.720 --> 01:55:51.360]  It sounds like a win-win situation.
[01:55:51.360 --> 01:55:53.480]  The only ones who would lose are the bankers.
[01:55:53.480 --> 01:55:54.480]  Yeah.
[01:55:54.480 --> 01:55:57.520]  I mean, that would have been a really good thing to do with the bailout money, rather
[01:55:57.520 --> 01:56:03.480]  than pay for parties for all the execs and triple their already exorbitant salaries.
[01:56:03.480 --> 01:56:04.480]  Right.
[01:56:04.480 --> 01:56:05.480]  Right.
[01:56:05.480 --> 01:56:09.640]  And if you think about it, it's all fraudulent anyway when you consider that even your hometown
[01:56:09.640 --> 01:56:13.200]  bank only has to have 10% of the cash that they loaned.
[01:56:13.200 --> 01:56:18.120]  The other 90% is actually made up out of thin air, so most everybody's already paid back
[01:56:18.120 --> 01:56:22.360]  their loan in full anyway, theoretically.
[01:56:22.360 --> 01:56:25.400]  And you look at the credit card companies too, they're doing the same thing.
[01:56:25.400 --> 01:56:26.880]  They're making money up out of thin air.
[01:56:26.880 --> 01:56:28.440]  This is all fraudulent debt.
[01:56:28.440 --> 01:56:34.880]  If we cancel the debt, told our sheriffs to stop putting people out on the streets, we
[01:56:34.880 --> 01:56:37.520]  would be the healthiest country in the world.
[01:56:37.520 --> 01:56:40.480]  Detroit's already done that.
[01:56:40.480 --> 01:56:43.880]  Detroit's chair has already announced he's not going to do any more foreclosures.
[01:56:43.880 --> 01:56:44.880]  Good.
[01:56:44.880 --> 01:56:45.880]  Good.
[01:56:45.880 --> 01:56:50.440]  Most people out there never realize when it comes to a bank, but during my lifetime I've
[01:56:50.440 --> 01:56:54.600]  had several large insurance checks and things like that, and I took them to the bank and
[01:56:54.600 --> 01:57:00.720]  I wanted to cash in and take the money, and the bank looked at me like, well, you want
[01:57:00.720 --> 01:57:01.720]  the money?
[01:57:01.720 --> 01:57:02.720]  And I said, yeah, I want the money.
[01:57:02.720 --> 01:57:05.240]  Gee, what a concept.
[01:57:05.240 --> 01:57:06.920]  We don't have that much money here.
[01:57:06.920 --> 01:57:10.160]  I said, you don't have $28,000 here?
[01:57:10.160 --> 01:57:14.680]  Well, we would have to order that, sir, and you would have to give us till next Wednesday
[01:57:14.680 --> 01:57:17.840]  too, because they'll have to bring it in by armored car.
[01:57:17.840 --> 01:57:21.600]  And I'm like, excuse me?
[01:57:21.600 --> 01:57:25.200]  I mean, you're a bank, you've got that big old vault in there and stuff, you don't have
[01:57:25.200 --> 01:57:26.200]  cash on reserve?
[01:57:26.200 --> 01:57:29.200]  She goes, nothing like that.
[01:57:29.200 --> 01:57:31.480]  And this check was only $28,000.
[01:57:31.480 --> 01:57:34.280]  That means there's no way they had their 10% reserve.
[01:57:34.280 --> 01:57:35.280]  That's right.
[01:57:35.280 --> 01:57:36.280]  No, no, no, no.
[01:57:36.280 --> 01:57:38.240]  That's not what the law says, okay?
[01:57:38.240 --> 01:57:44.240]  What the law says is that if you demand money from a bank, that the bank has the right to
[01:57:44.240 --> 01:57:50.320]  hold that demand for 30 days before they disperse.
[01:57:50.320 --> 01:57:54.320]  That may be what the law says, but the banks will say, and we'll tell you right up front,
[01:57:54.320 --> 01:57:59.400]  I bet three of them do it, that they do not have that much cash on hand.
[01:57:59.400 --> 01:58:00.400]  They don't.
[01:58:00.400 --> 01:58:01.400]  That's true.
[01:58:01.400 --> 01:58:02.400]  They don't.
[01:58:02.400 --> 01:58:06.960]  The things that have the cash on hand like that are over a long time ago.
[01:58:06.960 --> 01:58:07.960]  Right.
[01:58:07.960 --> 01:58:14.640]  But, I mean, if there was ever a demand for a bank, the bank could legally say, I'm sorry,
[01:58:14.640 --> 01:58:17.680]  you're going to have to wait 30 days for your money.
[01:58:17.680 --> 01:58:19.560]  And that's the void runs on banks.
[01:58:19.560 --> 01:58:20.560]  That's right.
[01:58:20.560 --> 01:58:21.560]  Interesting.
[01:58:21.560 --> 01:58:28.520]  All right, Mr. Big Stuff, Mr. Big Banks, Mr. Fraudulent Mortgages.
[01:58:28.520 --> 01:58:30.920]  All right, guys, hang on the line.
[01:58:30.920 --> 01:58:32.480]  We're going to continue on the other side.
[01:58:32.480 --> 01:58:34.480]  We've got Mark from Wisconsin.
[01:58:34.480 --> 01:58:36.440]  We've got Tony Davis.
[01:58:36.440 --> 01:58:38.840]  We've got Russell from Texas.
[01:58:38.840 --> 01:58:42.960]  We've also got Rick from California on the line, as well as Travis from Minnesota.
[01:58:42.960 --> 01:58:45.640]  We'll be taking all of your calls right on the other side.
[01:58:45.640 --> 01:59:08.000]  We'll be right back.
[01:59:08.000 --> 01:59:35.800]  All right, guys, hang on the line, guys, hang on the line, guys, hang on the line, guys,
[01:59:35.800 --> 01:59:55.040]  hang on the line, guys.
[01:59:55.040 --> 01:59:59.040]  Tell me, who do you think you are?