[00:00.000 --> 00:05.120]  This news brief brought to you by the International News Net.
[00:05.120 --> 00:09.800]  Defense Secretary Robert Gates said Friday the U.S. recognizes the Taliban is part of
[00:09.800 --> 00:15.440]  Afghanistan's political fabric but must be prepared to play a legitimate role before
[00:15.440 --> 00:18.320]  they can reconcile with the Afghan government.
[00:18.320 --> 00:24.360]  That means the Taliban must participate in elections, not oppose education and not assassinate
[00:24.360 --> 00:26.520]  local officials.
[00:26.520 --> 00:31.880]  Barack Obama expanded his new offensive on Wall Street, proposing rules that would impede
[00:31.880 --> 00:36.840]  the growth of the largest banks and bar them from making reckless investments.
[00:36.840 --> 00:43.360]  Obama chastised the CEOs of the nation's largest financial firms for sending an army of industry
[00:43.360 --> 00:47.320]  lobbyists to fight banking sector reform.
[00:47.320 --> 00:52.040]  The head of a new elite terrorism interrogation program said Thursday it will take several
[00:52.040 --> 00:57.200]  more months to establish teams that could question high-profile suspects.
[00:57.200 --> 01:01.960]  The high-value detainee interrogation group will be largely drawn from the ranks of the
[01:01.960 --> 01:08.200]  FBI, the CIA and the Pentagon.
[01:08.200 --> 01:12.220]  Representative Dennis Kucinich said Wednesday the Massachusetts election was a wake-up call
[01:12.220 --> 01:17.000]  for Democrats and that his party had better change course or it would suffer devastating
[01:17.000 --> 01:18.680]  losses come November.
[01:18.680 --> 01:23.680]  Kucinich went on, the economic problems, at least we forget, did not start with Barack
[01:23.680 --> 01:24.680]  Obama.
[01:24.680 --> 01:29.640]  It was George Bush who drove the economy over the cliff with a trillion-dollar tax cut for
[01:29.640 --> 01:33.760]  the rich, a war based on lies and an expanding trade deficit.
[01:33.760 --> 01:38.760]  Kucinich added, we can't turn the economy around by playing patty cake with Wall Street,
[01:38.760 --> 01:43.240]  by caving into the demands of big banks, by playing footsie with the insurance companies
[01:43.240 --> 01:46.760]  and by jumping in bed with the pharmaceutical industry.
[01:46.760 --> 01:51.200]  The Ohio Democrat noted, we have a really deep recession and the only way to bring it
[01:51.200 --> 01:57.080]  back up is to have a massive jobs program, adding, I don't see any evidence Obama's
[01:57.080 --> 02:01.920]  economic team is standing behind that.
[02:01.920 --> 02:07.520]  A former IBM employee says the switch from analog to digital TV is being done to free
[02:07.520 --> 02:13.160]  up analog frequencies and make room for scanners to use readable implantable microchips to
[02:13.160 --> 02:15.160]  track people and products.
[02:15.160 --> 02:21.880]  Patrick Redmond, who worked at the Toronto Lab from 1992 to 2007, said Americans have
[02:21.880 --> 02:27.240]  been inundated with news reports advising them to get their passports, enhanced driver's
[02:27.240 --> 02:32.080]  license, passport cards and other chipped and trackable ID devices.
[02:32.080 --> 02:37.640]  But he said the connection between digital TV and radio frequency ID technology has been
[02:37.640 --> 02:38.640]  hidden.
[02:38.640 --> 02:43.720]  Redmond has written a book and gives talks on the growing use of RFID chips implanted
[02:43.720 --> 02:49.400]  in new clothing, in items such as Gillette fusion blades and in countless other products.
[02:49.400 --> 02:54.880]  These chips, many smaller than a pencil tip, also are embedded in new U.S. passports, some
[02:54.880 --> 02:57.920]  medical cards and credit and debit cards.
[02:57.920 --> 03:00.080]  More than two billion of them were sold.
[03:00.080 --> 03:08.440]  You are listening to the rule of law radio network at ruleoflawradio.com, live free speech
[03:08.440 --> 03:15.440]  talk radio at its best.
[03:38.440 --> 03:45.440]  And you're listening to the rule of law radio network at its best.
[04:08.440 --> 04:15.440]  And you're listening to the rule of law radio network at its best.
[04:38.440 --> 04:50.160]  All right, bad boys, bad boys, what are you going to do when we come for you?
[04:50.160 --> 05:01.320]  Randy Kelton, Deborah Stevens, Eddie Craig, Mike Mears and a very good friend Willow with
[05:01.320 --> 05:02.320]  us tonight.
[05:02.320 --> 05:10.320]  We're going to be discussing the Mike Mears method and Willow just recently had some major
[05:10.320 --> 05:13.640]  victories in court using the Mike Mears method.
[05:13.640 --> 05:16.240]  We've got Mike and Willow with us tonight.
[05:16.240 --> 05:18.000]  Welcome to the show, Mike and Willow.
[05:18.000 --> 05:20.000]  All right, guys, good to be here.
[05:20.000 --> 05:21.000]  Hi.
[05:21.000 --> 05:22.000]  Hi.
[05:22.000 --> 05:23.000]  How are you tonight?
[05:23.000 --> 05:24.000]  I'm doing great.
[05:24.000 --> 05:25.000]  I'm much better.
[05:25.000 --> 05:26.000]  Thank you.
[05:26.000 --> 05:34.000]  So, Willow, if you would please give us a brief overview of your case and how this started
[05:34.000 --> 05:37.640]  and what has happened as of recent.
[05:37.640 --> 05:38.640]  Okay.
[05:38.640 --> 05:46.720]  In June of this year, I started getting notified by a company that claimed to be an attorney
[05:46.720 --> 05:57.040]  for Discover credit cards, and they claimed that I owed almost $6,000 in past debt and
[05:57.040 --> 06:00.600]  that they were representing Discover Card.
[06:00.600 --> 06:09.400]  And they called continuously even though I told them that the case was in dispute, that
[06:09.400 --> 06:14.040]  I had disputed with Discover the case and that nobody had been able to prove anything.
[06:14.040 --> 06:20.280]  And so I wasn't going to pay them until they could prove anything to me.
[06:20.280 --> 06:23.960]  But they kept calling me, and they wouldn't stop calling me.
[06:23.960 --> 06:28.040]  And I kind of just blew it off because I've got an answering machine.
[06:28.040 --> 06:31.880]  It was a computerized message, so I just quit answering the phone.
[06:31.880 --> 06:33.600]  I could see when they called.
[06:33.600 --> 06:38.080]  And then I had a woman show up at my house and deliver a lawsuit to me about a month
[06:38.080 --> 06:40.600]  ago.
[06:40.600 --> 06:48.600]  And that's when I contacted you, Mike, or Deborah Midd suggested I should contact you
[06:48.600 --> 06:51.120]  and buy your program.
[06:51.120 --> 06:53.200]  And I did.
[06:53.200 --> 07:01.880]  And because of your program, I could see that the first thing to do was to deal with the
[07:01.880 --> 07:04.000]  court system, of course.
[07:04.000 --> 07:07.960]  I called them, which I wouldn't have done otherwise because I would have looked at it
[07:07.960 --> 07:14.040]  and not seen any date and figured I would be getting more information and not respond
[07:14.040 --> 07:16.520]  or respond directly to the company.
[07:16.520 --> 07:24.760]  But because of you, I went ahead and filed for a lack of jurisdiction in court.
[07:24.760 --> 07:34.400]  And I notified the company that was Mann Bracken, and they sent me a message just like you said.
[07:34.400 --> 07:40.840]  They sent a copy of the credit report, and they did not send any private information
[07:40.840 --> 07:41.840]  from Discover.
[07:41.840 --> 07:47.360]  I looked online, and I saw that Mann Bracken's getting sued like over 3,000 times from all
[07:47.360 --> 07:48.560]  these different people.
[07:48.560 --> 07:49.560]  They're bankrupt.
[07:49.560 --> 07:53.040]  They have the government bailing them out of their bankruptcy.
[07:53.040 --> 07:55.040]  They're being sold to another company.
[07:55.040 --> 07:58.120]  They're definitely a collection agency.
[07:58.120 --> 08:01.200]  And they had no right whatsoever.
[08:01.200 --> 08:06.520]  All they had done was purchase my name and information from the credit bureau.
[08:06.520 --> 08:13.680]  And so I followed your recommendations to the T. I wrote the company.
[08:13.680 --> 08:19.320]  I haven't had a single phone call since I wrote the company and certified mail.
[08:19.320 --> 08:26.680]  And I went to court, and you know, love this, the judge's daughter was also being sued by
[08:26.680 --> 08:27.680]  Mann Bracken.
[08:27.680 --> 08:28.680]  Oh, boy.
[08:28.680 --> 08:41.560]  So I went up there for the jurisdiction, which is as you requested, as you said, you let
[08:41.560 --> 08:46.440]  her do a jurisdiction, say they don't have a right to be able to hold this in court because
[08:46.440 --> 08:52.560]  they haven't been able to prove that they have any documents on me.
[08:52.560 --> 09:00.600]  And I went up, and she kind of asked me to explain myself, and I told her that nobody
[09:00.600 --> 09:04.760]  else showed up for court, nobody from Mann Bracken showed up for court.
[09:04.760 --> 09:12.280]  My understanding is that Mann Bracken has fired all of their employees in the process
[09:12.280 --> 09:17.760]  of the bankruptcy lien.
[09:17.760 --> 09:24.960]  And so nobody showed up for court, and she looked at me and she asked me about the case.
[09:24.960 --> 09:28.840]  She said, what are you trying to prove here with the jurisdiction?
[09:28.840 --> 09:32.200]  And I explained to her what I just told you about Mann Bracken, that they're not even
[09:32.200 --> 09:39.040]  a company and that they'd never been able to prove the information.
[09:39.040 --> 09:42.960]  And she said, well, I want to thank you very much for showing me how to deal with this
[09:42.960 --> 09:43.960]  situation.
[09:43.960 --> 09:47.960]  I thought I was getting sued by Mann Bracken, too.
[09:47.960 --> 09:54.600]  Gee, I don't think she'll use that, will she?
[09:54.600 --> 09:55.600]  Who knows?
[09:55.600 --> 09:56.600]  Black jurisdiction.
[09:56.600 --> 09:57.600]  Who knows?
[09:57.600 --> 10:05.880]  I don't know if she had actually been sued or if she was just being harassed, but she
[10:05.880 --> 10:13.120]  did ask if I had any paperwork about Mann Bracken and about how I was filing the jurisdiction
[10:13.120 --> 10:14.120]  claim.
[10:14.120 --> 10:19.240]  And so I gave her a copy of my paperwork, which was something I had written personally
[10:19.240 --> 10:25.760]  based on what you had sent me with the packet.
[10:25.760 --> 10:32.760]  And she looked at it and said, oh, this is perfect, so maybe she is planning on using
[10:32.760 --> 10:33.760]  it.
[10:33.760 --> 10:34.760]  She might have gotten it for free.
[10:34.760 --> 10:35.760]  I'm sorry about that.
[10:35.760 --> 10:36.760]  OK.
[10:36.760 --> 10:37.760]  OK.
[10:37.760 --> 10:40.760]  But well worth it.
[10:40.760 --> 10:42.840]  You know, I've been getting a headache.
[10:42.840 --> 10:47.760]  I've had people call off and on for years on this debt that I disputed through a lawyer
[10:47.760 --> 10:51.400]  back in 2006.
[10:51.400 --> 10:59.320]  And Discovery had written it as being closed in 2006 instead of legally closing it like
[10:59.320 --> 11:00.320]  you advised me.
[11:00.320 --> 11:07.240]  So if they weren't in bankruptcy, which means that they can't be sued for any debt, I could
[11:07.240 --> 11:09.080]  go after them.
[11:09.080 --> 11:12.440]  You know, I would have all kinds of things to go after them for.
[11:12.440 --> 11:13.440]  Oh, yeah.
[11:13.440 --> 11:17.320]  But my understanding is that since they've claimed bankruptcy, nobody can touch them.
[11:17.320 --> 11:21.720]  Well, I'd sue them anyway, because then you're for sure nobody's going to show up and you'll
[11:21.720 --> 11:23.720]  get default judgment on them.
[11:23.720 --> 11:25.400]  Oh, there you go.
[11:25.400 --> 11:28.400]  What about after they file bankruptcy?
[11:28.400 --> 11:31.400]  That one hadn't occurred to me.
[11:31.400 --> 11:32.400]  Oh, yeah.
[11:32.400 --> 11:36.960]  You just got to learn how to play games better than they do.
[11:36.960 --> 11:37.960]  That's all.
[11:37.960 --> 11:38.960]  Right.
[11:38.960 --> 11:39.960]  Right.
[11:39.960 --> 11:40.960]  How silly of me.
[11:40.960 --> 11:44.920]  All you've got to do is take that default judgment and forward it to the credit bureau
[11:44.920 --> 11:49.880]  and say, see, credit bureau, they didn't respond, I filed a complaint for erroneous and inaccurate
[11:49.880 --> 11:52.520]  information in my credit report.
[11:52.520 --> 11:53.520]  And guess what?
[11:53.520 --> 11:55.520]  The credit bureau is going to do it.
[11:55.520 --> 11:56.520]  Right.
[11:56.520 --> 12:00.240]  When they see the court-ordered default judgment with the case on it, do you think they're
[12:00.240 --> 12:01.240]  going to ignore that?
[12:01.240 --> 12:02.240]  I don't think so.
[12:02.240 --> 12:05.720]  Lo and behold, it's out of your credit report.
[12:05.720 --> 12:07.720]  That would be very sweet.
[12:07.720 --> 12:08.720]  Mm-hmm.
[12:08.720 --> 12:10.360]  That would be very sweet.
[12:10.360 --> 12:11.360]  I would love to have that happen.
[12:11.360 --> 12:16.440]  I mean, it's only got like six more months before it's even off my credit report.
[12:16.440 --> 12:22.440]  You hope if somebody doesn't re-age it, like a man Bracken comes in again or they get sold
[12:22.440 --> 12:27.560]  to somebody else, and that's a nasty habit they do, especially these debt collectors,
[12:27.560 --> 12:33.320]  you may be on the verge of the seven-year statute of limit in a credit report.
[12:33.320 --> 12:37.840]  Now the debt collector comes in and they do this all the time.
[12:37.840 --> 12:42.040]  As soon as they buy it, they start the new date from the day they buy it.
[12:42.040 --> 12:49.040]  So after six years, 11 months, and 25 days, they come in and buy it, and they renew it
[12:49.040 --> 12:52.840]  for seven more years, and it stays on there under the debt collector.
[12:52.840 --> 12:53.840]  Wow.
[12:53.840 --> 12:54.840]  Nice.
[12:54.840 --> 12:55.840]  Nice.
[12:55.840 --> 12:56.840]  Wow.
[12:56.840 --> 13:00.800]  You know, they can do that, and they do it all the time.
[13:00.800 --> 13:06.400]  They'll re-age it from the time they buy it in order to extend that statute of limitations.
[13:06.400 --> 13:11.600]  Even though the debt is gone with the creditor, they claim they bought it, and they can report
[13:11.600 --> 13:13.200]  it for seven years.
[13:13.200 --> 13:14.200]  Wow.
[13:14.200 --> 13:15.200]  Yeah.
[13:15.200 --> 13:20.760]  My boyfriend just said that he had a similar situation going on.
[13:20.760 --> 13:25.560]  So I'm sure it does go on all the time, and it's amazing how many people I've talked to
[13:25.560 --> 13:29.000]  since I started dealing with this at this level.
[13:29.000 --> 13:35.600]  How many people I've talked to, they're like, you know, they've got creditors calling them
[13:35.600 --> 13:36.600]  out to wazoo.
[13:36.600 --> 13:39.520]  I guess because they're all going through bankruptcy, and they're all trying to get
[13:39.520 --> 13:43.880]  as many things claimed as possible to be able to get paid back from our tax dollars.
[13:43.880 --> 13:44.880]  Yep.
[13:44.880 --> 13:45.880]  Yep.
[13:45.880 --> 13:50.080]  And so they're suing everybody so they can claim that they have these unfiled, unfinished
[13:50.080 --> 13:52.840]  business or something that they owe money on.
[13:52.840 --> 13:53.840]  Yeah.
[13:53.840 --> 13:54.840]  They show it as an asset.
[13:54.840 --> 13:55.840]  Right.
[13:55.840 --> 13:56.840]  Exactly.
[13:56.840 --> 13:57.840]  Wow.
[13:57.840 --> 13:58.840]  Wow.
[13:58.840 --> 13:59.840]  What a ripoff.
[13:59.840 --> 14:05.320]  It's amazing how we've allowed private industry to have such total lack of oversight.
[14:05.320 --> 14:06.320]  Yeah.
[14:06.320 --> 14:07.320]  Exactly.
[14:07.320 --> 14:13.960]  And a couple of things I want to add in there, Willow, have you and I ever met in person?
[14:13.960 --> 14:14.960]  No.
[14:14.960 --> 14:15.960]  No.
[14:15.960 --> 14:19.320]  We've only talked on the phone and communicated by email, right?
[14:19.320 --> 14:20.320]  Yes.
[14:20.320 --> 14:21.320]  Okay.
[14:21.320 --> 14:25.400]  And you went into a local court, which I don't recommend anybody to go into with this stuff,
[14:25.400 --> 14:30.240]  but I realize people, you know, don't know what to do when they get themselves in a corner
[14:30.240 --> 14:31.760]  with this stuff.
[14:31.760 --> 14:38.360]  And my expertise isn't in the local court, but I have been through this with many people
[14:38.360 --> 14:40.840]  before.
[14:40.840 --> 14:45.000]  And the point is I've seen these cases many, many times.
[14:45.000 --> 14:52.080]  And what they did to Willow was quite simple, is they filed a complaint and said, hey, you
[14:52.080 --> 14:54.800]  owe this money and we're suing you.
[14:54.800 --> 14:57.120]  And they put that into the court.
[14:57.120 --> 15:02.360]  And this goes back to my old saying, I say all the time, I think you shot Kennedy, I
[15:02.360 --> 15:06.760]  saw you up on the grassy knoll, I know it was you that pulled the trigger, fill that
[15:06.760 --> 15:09.160]  out and give that to a court.
[15:09.160 --> 15:10.920]  It means absolutely nothing.
[15:10.920 --> 15:18.960]  There is no proof, there is no evidence before the court of any bill.
[15:18.960 --> 15:21.120]  And that's how they lack jurisdiction.
[15:21.120 --> 15:22.120]  It's quite simple.
[15:22.120 --> 15:27.920]  If you don't produce all the documents that you claim this person owes to show that they've
[15:27.920 --> 15:31.520]  actually owed money, the court lacks jurisdiction.
[15:31.520 --> 15:32.520]  It's that simple.
[15:32.520 --> 15:38.080]  They had actually taken the credit card report in the area where it says that the card was
[15:38.080 --> 15:47.120]  closed, that it had been closed and filed as lost income.
[15:47.120 --> 15:55.480]  They had actually deleted that and left everything else exactly how it was on the credit report.
[15:55.480 --> 15:59.960]  And in doing that, they had falsified even that little piece of records that they sent
[15:59.960 --> 16:00.960]  me.
[16:00.960 --> 16:01.960]  Exactly.
[16:01.960 --> 16:08.640]  And the point is, if people don't know this, okay, they don't know the court lacks jurisdiction
[16:08.640 --> 16:15.880]  because there's no evidence of any account or any bill or any debt before the court.
[16:15.880 --> 16:21.600]  And generally, what they do is they'll come in with an affidavit of debt from somebody
[16:21.600 --> 16:22.600]  we don't even know.
[16:22.600 --> 16:27.720]  And that's even hearsay because we don't know who created this document.
[16:27.720 --> 16:29.960]  We don't know this person who signed it.
[16:29.960 --> 16:36.640]  And the documents belonging to another company being presented by an attorney are inadmissible.
[16:36.640 --> 16:41.160]  And they're inadmissible because it's hearsay and I think we've got a commercial coming
[16:41.160 --> 16:42.160]  up.
[16:42.160 --> 16:43.160]  Yes, we're going to break.
[16:43.160 --> 16:46.760]  Willow, Mike, hang on the line.
[16:46.760 --> 16:47.760]  This is excellent.
[16:47.760 --> 16:48.760]  Willow, I'm so happy.
[16:48.760 --> 16:49.760]  I am too.
[16:49.760 --> 16:50.760]  I'm thrilled.
[16:50.760 --> 16:57.240]  I mean, I've had this hanging over my head forever and now I've got a piece of paper
[16:57.240 --> 17:00.280]  I can send all the credit bureaus.
[17:00.280 --> 17:03.720]  You feel tired when talking about important topics like money and politics?
[17:03.720 --> 17:04.720]  Boring.
[17:04.720 --> 17:07.640]  Are you confused by words like the Constitution or the Federal Reserve?
[17:07.640 --> 17:08.640]  What?
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[18:11.760 --> 18:27.200]  Okay, we are here with Mike Miras and my good friend Willow, who's just had recent victories
[18:27.200 --> 18:31.600]  concerning her case regarding credit card issues.
[18:31.600 --> 18:36.720]  Okay, so Mike, you were telling us about their lack of jurisdiction.
[18:36.720 --> 18:37.720]  Right.
[18:37.720 --> 18:42.440]  And they'll come in, as I mentioned, and this is a very standard practice.
[18:42.440 --> 18:46.680]  That's why I was surprised they didn't have something like that when I talked to Willow
[18:46.680 --> 18:49.400]  to attach to the complaint, an affidavit of debt.
[18:49.400 --> 18:55.040]  And it's a sworn affidavit that says you owe money, you have this card, I am the keeper
[18:55.040 --> 19:01.720]  of the account, and some person signs that it's notarized and that goes before the court.
[19:01.720 --> 19:08.000]  However, it's that piece of paper is hearsay evidence because, as I was saying, we don't
[19:08.000 --> 19:09.840]  know where that piece of paper came from.
[19:09.840 --> 19:12.160]  We don't know who signed it.
[19:12.160 --> 19:13.760]  We don't know who generated it.
[19:13.760 --> 19:18.200]  And then it came from a different company because a lot of times what they'll do in
[19:18.200 --> 19:22.760]  this case, whoever the creditor was, would come in and say, well, I'm the creditor, I
[19:22.760 --> 19:27.520]  owe this money, and then this lawyer shows up for the debt collector.
[19:27.520 --> 19:30.440]  It's two separate companies.
[19:30.440 --> 19:35.040]  And documents belonging to one company are not admissible in the courtroom by another
[19:35.040 --> 19:36.040]  company.
[19:36.040 --> 19:42.160]  The only way that affidavit is admissible in that courtroom is there is a competent
[19:42.160 --> 19:46.160]  fact witness that you can question about that affidavit.
[19:46.160 --> 19:48.000]  And people don't know this stuff.
[19:48.000 --> 19:51.440]  These lawyers come in with this stuff and they say, see, we got an affidavit here on
[19:51.440 --> 19:54.920]  it, oh, yeah, you must know, well, wait a minute, wait, wait, wait, how do I question
[19:54.920 --> 19:55.920]  an affidavit?
[19:55.920 --> 20:01.880]  Get the person in here who signed that, put them under oath, put them on that witness
[20:01.880 --> 20:05.600]  stand, I've got some questions I want to ask them.
[20:05.600 --> 20:06.600]  And this is your right.
[20:06.600 --> 20:08.480]  It's called due process.
[20:08.480 --> 20:09.960]  You're accusing me of something.
[20:09.960 --> 20:15.640]  I have a right to confront my accusers and I have a right to ask them some questions.
[20:15.640 --> 20:21.320]  If I hadn't seen on your instructions what to look for, they sent me paperwork saying
[20:21.320 --> 20:23.680]  that that was their proof of death.
[20:23.680 --> 20:29.720]  I sent them the affidavit card because I sent, you have a list of things to do and what order
[20:29.720 --> 20:31.600]  to do it in.
[20:31.600 --> 20:36.880]  And so I had several letters written to the creditors that were for, you know, so I could
[20:36.880 --> 20:42.840]  have them ready to go whenever I had to do it because of the time limits on everything.
[20:42.840 --> 20:49.720]  And so they sent me back something and so if I hadn't known from your letter what to
[20:49.720 --> 20:52.800]  look for, I would have thought they'd sent me proof.
[20:52.800 --> 20:54.280]  Well it's not that, you know.
[20:54.280 --> 20:59.040]  That they owned it or something, you know, because everybody keeps talking about how
[20:59.040 --> 21:06.200]  somebody buys the debt from somebody else and everything I saw in Texas law says no
[21:06.200 --> 21:10.120]  third party creditors and you're the one that pointed out no third party creditors and that
[21:10.120 --> 21:15.200]  even though they're representing themselves, this company, Mann Bracken, has actually had
[21:15.200 --> 21:19.760]  four mergers before they became Mann Bracken.
[21:19.760 --> 21:25.840]  Each time they're filing bankruptcy so they're getting paid back twice from the tax people.
[21:25.840 --> 21:33.520]  Well that's the whole idea is to stop these guys and to discredit them so much and it's
[21:33.520 --> 21:38.720]  what I've often said about these processes, you know, if we get 100,000 people dragging
[21:38.720 --> 21:41.960]  these guys into federal court, you're going to put half of them out of business because
[21:41.960 --> 21:44.640]  they're not going to be able to afford the attorney's fees.
[21:44.640 --> 21:46.320]  It's not cheap.
[21:46.320 --> 21:48.560]  I've actually heard that, you know, it's online.
[21:48.560 --> 21:52.080]  What company is buying Mann Bracken is online.
[21:52.080 --> 21:54.240]  You can look it up.
[21:54.240 --> 21:58.480]  And so the company that's buying them has already been getting letters from people who
[21:58.480 --> 22:01.480]  are threatening them if they try to buy this company out.
[22:01.480 --> 22:02.480]  Yeah.
[22:02.480 --> 22:03.480]  Yeah.
[22:03.480 --> 22:04.480]  People are tired of it, you know.
[22:04.480 --> 22:10.280]  And the point is, and so people understand, okay, we had a gentleman on here, I think
[22:10.280 --> 22:18.560]  it was Neil Swakowski who was on the last phone call and Neil spent a lot of time in
[22:18.560 --> 22:23.320]  bookkeeping and he says, well yeah, they moved this off the books and, you know, they put
[22:23.320 --> 22:24.320]  it in another column.
[22:24.320 --> 22:29.560]  Well yeah, they do it as a write-off when these accounts go bad, however you want to
[22:29.560 --> 22:32.960]  call them.
[22:32.960 --> 22:39.720]  And they take it as a tax write-off, as a business tax write-off or in some cases they
[22:39.720 --> 22:44.320]  get, they have insurance on these loans and the insurance company comes in and pays them
[22:44.320 --> 22:46.680]  off.
[22:46.680 --> 22:50.440]  And you don't have to believe this, ladies and gentlemen, but all this has been brought
[22:50.440 --> 22:58.200]  out in the past year with AIG, AIG insured all these loans and what happened?
[22:58.200 --> 23:03.840]  They had to pay the banks to make the loans good and then they went bankrupt and we had
[23:03.840 --> 23:10.840]  to give them $180 billion to bail them out of U.S. taxpayers' money.
[23:10.840 --> 23:14.600]  I know, and it's all built on false credit, it's amazing.
[23:14.600 --> 23:20.680]  Yeah, and now you've got some debt collector that comes along, they package these things
[23:20.680 --> 23:27.920]  up and believe it or not, the process is very much like stock process, they take a bunch
[23:27.920 --> 23:33.000]  of these bad or no good debts, whatever you want to call them and they bundle them and
[23:33.000 --> 23:35.440]  they sell them to a broker.
[23:35.440 --> 23:41.640]  AIG was actually on My Credit Report as coming in and looking at My Credit Report.
[23:41.640 --> 23:42.640]  Yeah, so.
[23:42.640 --> 23:47.240]  They've been looking at it to see if they could buy it at some point.
[23:47.240 --> 23:51.680]  Exactly, and the point is that they bundle these things up and let's say they've got
[23:51.680 --> 23:57.280]  a million dollars worth of their debt in this box, well not every debt collector has a million
[23:57.280 --> 24:01.360]  bucks so what they do is they split them up into smaller bundles and they say, okay, we'll
[24:01.360 --> 24:10.800]  sell you this batch for $10,000 and there's $100,000 worth of debt in there and they generally
[24:10.800 --> 24:14.920]  buy it for two or three cents on the dollar and then they run with it.
[24:14.920 --> 24:19.800]  But the debt's already been paid, but then they take it and they add their interest and
[24:19.800 --> 24:26.120]  late charges to it and that's how they run it up from a few thousand dollars up to ten
[24:26.120 --> 24:30.560]  or fifteen thousand because they add their attorney's fees, their late charges, their
[24:30.560 --> 24:37.960]  interest, all that stuff and they pay $100 for a $10,000 bad debt, okay?
[24:37.960 --> 24:43.920]  I've got to tell you something, this debt that I supposedly had, I had paid off my credit
[24:43.920 --> 24:50.440]  card and cut my credit card up and called Discover Bank and I had paid it off to zero
[24:50.440 --> 24:54.240]  and I told them, I cut my credit card up, I don't want to have this account anymore
[24:54.240 --> 25:00.080]  because they had started charging me higher interest than what I had originally agreed
[25:00.080 --> 25:05.360]  to and so I refused to pay any more of the debt, I paid off what I had and cut up my
[25:05.360 --> 25:06.360]  card.
[25:06.360 --> 25:12.000]  They never closed my account, they said that I had a continuing account and that they couldn't
[25:12.000 --> 25:13.000]  close it.
[25:13.000 --> 25:16.520]  And I said, well, I'm not going to answer any more mail from you or have any more business
[25:16.520 --> 25:17.520]  with you.
[25:17.520 --> 25:18.520]  I'm done.
[25:18.520 --> 25:26.640]  So they charged insurance on that zero balance that I had, they charged me $40 worth of insurance.
[25:26.640 --> 25:30.600]  I didn't even open the mail, I kept the mail for like a year and a half before I even opened
[25:30.600 --> 25:34.600]  it, I just threw it into a pile that was the Discover box.
[25:34.600 --> 25:41.080]  And later when I opened it, they had charged me, because I got calls for collection and
[25:41.080 --> 25:47.800]  I had like $2,000 worth of charges that they had tacked on and charged me this outrageous
[25:47.800 --> 25:49.280]  interest for.
[25:49.280 --> 25:55.040]  So that was why it was in dispute in the first place, it was all based on false charges from
[25:55.040 --> 25:59.800]  Discover before Wolf and Abrams even got a hold of it.
[25:59.800 --> 26:05.120]  And Wolf and Abrams got a hold of it from Discover after they closed out my account.
[26:05.120 --> 26:10.920]  And so I could see how all four of the creditors that ended up being Man Bracken had contacted
[26:10.920 --> 26:16.600]  me over the years and that's how they had managed to make it look like it was still
[26:16.600 --> 26:22.160]  within the statute of limitations, even though I had closed it four years before they claimed.
[26:22.160 --> 26:26.320]  It was in the statute, just like you said, every time they changed companies they reopened
[26:26.320 --> 26:31.120]  the debt and extended the statute of limitations.
[26:31.120 --> 26:36.280]  Well personal opinion is it's time for us to go after Discover, because you see Discover
[26:36.280 --> 26:41.240]  has the power to pull them all back from every one of those debt collectors.
[26:41.240 --> 26:45.080]  Discover calls up the debt collector and says hey don't collect this anymore, we want the
[26:45.080 --> 26:49.080]  account back and they're going to give it to them, because if they don't they won't
[26:49.080 --> 26:51.760]  get any more business from Discover.
[26:51.760 --> 27:00.760]  Okay, think about what I'm telling you, the debt collectors are buying this stuff from
[27:00.760 --> 27:06.440]  Discover and Discover says send that back to us or we're not going to send you any
[27:06.440 --> 27:07.440]  more business.
[27:07.440 --> 27:11.680]  And it's a matter of one case versus thousands that they get.
[27:11.680 --> 27:15.000]  So they're going to do what they're told, but it's time to go after Discover on this
[27:15.000 --> 27:19.840]  thing, especially what you just told me, I think you have a very good case and I don't
[27:19.840 --> 27:21.600]  think they're going to want to go there.
[27:21.600 --> 27:25.920]  Okay, and they're going to give you everything you want, walk away from this thing and get
[27:25.920 --> 27:32.080]  this retrieved back from all the debt collectors, that would be part of the settlement agreement
[27:32.080 --> 27:33.280]  that they do that.
[27:33.280 --> 27:39.920]  And they have the power to do it because those creditors work for the credit card companies
[27:39.920 --> 27:46.440]  okay and they don't want to peel them off and not get any more business in the future.
[27:46.440 --> 27:55.240]  That would be my next move would be to notify Discover Bank about their bad fraudulent,
[27:55.240 --> 27:58.400]  false and fraudulent business dealings with these attorneys.
[27:58.400 --> 28:04.800]  I'm just using your language because I remember that there was a particular sentence about
[28:04.800 --> 28:08.400]  false and fraudulent, hiring false and fraudulent attorneys.
[28:08.400 --> 28:10.400]  Yep, yep, exactly.
[28:10.400 --> 28:15.800]  Well, you know, the point is and I think you've done this, you sent out a dispute letter to
[28:15.800 --> 28:21.200]  or a validation letter to the debt collector, right, Mann Bracket?
[28:21.200 --> 28:22.200]  Yes.
[28:22.200 --> 28:27.760]  Yeah, see that they're on notice now, especially now that it's been kicked out of the court,
[28:27.760 --> 28:32.640]  the clocks got to start all over for them and they've got to produce evidence of the
[28:32.640 --> 28:37.840]  alleged debt and here's the problem, they probably are never going to answer you but
[28:37.840 --> 28:44.280]  here's what the law says, listen to me closely ladies and gentlemen, if you send them a validation
[28:44.280 --> 28:50.520]  letter and they don't get back in touch with you with proof of any alleged account, the
[28:50.520 --> 28:58.680]  law says very clearly, very simply, they must cease collection and if they don't, guess
[28:58.680 --> 28:59.680]  what?
[28:59.680 --> 29:03.680]  They break the law and that gives you the grounds to take them into federal court.
[29:03.680 --> 29:05.840]  Very simple.
[29:05.840 --> 29:11.600]  If they come back to Willow six months from now, you've got plenty of time to do this,
[29:11.600 --> 29:15.960]  they come back six months from now and they say, oh you owe this money, we're going to
[29:15.960 --> 29:20.320]  start chasing you, you don't even bother to have to talk to them, just prepare the complaint.
[29:20.320 --> 29:24.440]  I already have to prepare the complaint.
[29:24.440 --> 29:30.080]  Just drag them right into federal court and explain themselves and they can't do it, they
[29:30.080 --> 29:36.280]  won't, I tell you most of these debt collectors now don't get me wrong, okay, if you owe a
[29:36.280 --> 29:41.640]  million bucks, they're going to come after you, they're going to fight you, okay, but
[29:41.640 --> 29:45.560]  a few thousand, you're going to cost them so much money, they ain't going to want to
[29:45.560 --> 29:48.200]  go there, I hear the commercial coming up again.
[29:48.200 --> 29:53.760]  Okay, we'll be right back and Randy had a question, we'll go to Randy on the other side,
[29:53.760 --> 29:55.760]  this is the rule of law.
[29:55.760 --> 29:56.760]  Okay.
[29:56.760 --> 30:00.560]  Okay, it's been awesome.
[30:00.560 --> 30:03.720]  Are you the plaintiff or defendant in a lawsuit?
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[31:03.800 --> 31:26.000]  I got a warrant and I'm going to solve them, to the head government them, prosecute them.
[31:26.000 --> 31:35.880]  I need a prosecutor to come and help me, prosecute them wicked leader, you see.
[31:35.880 --> 31:40.800]  The mama heard I was a liar, them tell me, them a liar not tell sweet stories.
[31:40.800 --> 31:45.800]  Can't believe me, say what them tell me, 3% of America vote for Bush.
[31:45.800 --> 31:50.800]  So how the hell he get the presidency, that's why me have a warrant for him.
[31:50.800 --> 31:54.800]  Everybody listen carefully, listen to the words that the issues perceive.
[31:54.800 --> 32:11.200]  Okay, we're talking with our good friends Mike and Willow.
[32:11.200 --> 32:15.800]  All right, go ahead Mike, you're talking about preparing the case for federal court.
[32:15.800 --> 32:23.160]  Yeah, so you know, the thing is, is now you want to go in and you know, you want to dispute
[32:23.160 --> 32:29.400]  this with them and when you dispute it, they need to mark the account in dispute, 99% of
[32:29.400 --> 32:35.640]  the time they won't, I'd say it's closer to 100% of the time.
[32:35.640 --> 32:42.360]  When they don't do that, the process that I teach you, it shows you how to build the
[32:42.360 --> 32:48.520]  case against them so that you can go in, take them into the federal court and sue them for
[32:48.520 --> 32:55.560]  failure to mark the account in dispute and reporting erroneous and inaccurate information.
[32:55.560 --> 33:01.120]  Debt collectors, most of them I've ever dealt with, unless it's like I said, unless you
[33:01.120 --> 33:06.120]  owe them like a million bucks, you send them the notice of pending lawsuit which is in
[33:06.120 --> 33:14.000]  the courses, the two courses, it's available in both, but the point is, is that you give
[33:14.000 --> 33:18.680]  them a chance to resolve the issue before you got to go through all this extra work
[33:18.680 --> 33:21.840]  and physically go and file in federal court.
[33:21.840 --> 33:26.920]  My experience has been that there's a 50 and it might even be an 80% chance that they're
[33:26.920 --> 33:31.320]  going to contact you, you're going to hear from one of their attorneys and what is this
[33:31.320 --> 33:36.280]  all about, you know, what's going on and you sit there and explain it to them and you tell
[33:36.280 --> 33:41.360]  them if you don't fix this within 10 days, I'm filing to federal court and I've had them
[33:41.360 --> 33:45.520]  settle with me immediately on the phone, I've had them settle with me a couple of days on
[33:45.520 --> 33:52.200]  the phone, this isn't very recent for me because I haven't had these problems in many years,
[33:52.200 --> 33:59.680]  but working with other people, you know, they'll call back the debt collectors because, you
[33:59.680 --> 34:04.680]  know, here's the situation, Mann Bracken is being sued, they're in bankruptcy, how many
[34:04.680 --> 34:10.880]  more of these guys, Mann Bracken is huge, okay, and how many more of these debt collectors,
[34:10.880 --> 34:15.760]  even the small ones, they can't afford to go to court, they can't afford to go into
[34:15.760 --> 34:20.600]  a federal court case, it's going to cost them $10,000, $15,000, $20,000 for an attorney
[34:20.600 --> 34:26.440]  to defend them and then when you win, they get to pay you and the attorney plus your
[34:26.440 --> 34:31.720]  damages, so it becomes the money thing again, you know, it's just going to cost them so
[34:31.720 --> 34:36.680]  much money, it's better that, hey, we go away, we got 10,000 people we're trying to collect
[34:36.680 --> 34:43.400]  bad debts from, we ran up against one we couldn't beat, that's okay, we got 9,999 more to go
[34:43.400 --> 34:49.080]  to try and collect that and pull the wool over their eyes, so that's the theory behind
[34:49.080 --> 34:54.280]  this whole thing and once you learn to do this once or twice, I mean, well, when you
[34:54.280 --> 34:58.080]  went in there and you appeared, and this is in the local court, I don't recommend again
[34:58.080 --> 35:04.120]  anybody going, stop these guys before they get you in the local court and that's what
[35:04.120 --> 35:10.360]  my products show you, I advocate going to the federal court, but the point is, is Willow,
[35:10.360 --> 35:14.280]  when you went in there, did the, like, the judge threaten to have you arrested?
[35:14.280 --> 35:20.520]  Oh, the judge was really sweet, like I said, her daughter was being sued by the same company.
[35:20.520 --> 35:25.720]  Yes, so, and did, like, the judge, like, look at you and hold her gavel up and say, you
[35:25.720 --> 35:29.320]  open your mouth one more time and I'm going to throw my gavel at you, I mean, did she
[35:29.320 --> 35:30.600]  do anything like that?
[35:30.600 --> 35:35.640]  Oh, absolutely not, absolutely not, she called me up first, I was the first one that she
[35:35.640 --> 35:37.400]  proceeded through the court session.
[35:37.400 --> 35:41.560]  Yeah, and, like, they didn't have to call the bailiff in to handcuff you or anything
[35:41.560 --> 35:42.560]  like that, right?
[35:42.560 --> 35:43.560]  Nope.
[35:43.560 --> 35:44.560]  No.
[35:44.560 --> 35:47.560]  So, folks, this is, you know, even in the local court.
[35:47.560 --> 35:51.160]  It was pretty easy, all I had to do was show up and be there.
[35:51.160 --> 35:55.920]  Yeah, exactly, and I see a lot of people don't show up and they get a default judgment on
[35:55.920 --> 35:58.520]  you and boy, you've got a mess, okay?
[35:58.520 --> 36:03.280]  There were three people whose names that she called that did not show up that she immediately
[36:03.280 --> 36:04.760]  filed a default judgment on.
[36:04.760 --> 36:08.840]  Yep, yep, yep, yep, all you've got to do is show up and stand up for your rights, make
[36:08.840 --> 36:09.840]  them prove things, okay?
[36:09.840 --> 36:15.760]  You know, one of the things these guys come in and they love doing this, and I'm willing
[36:15.760 --> 36:20.400]  to bet, although I didn't see the complaint from Willow, I'm willing to bet that Mann
[36:20.400 --> 36:25.120]  Brackett was on there, did they say they were attempting to collect this debt for Discover?
[36:25.120 --> 36:33.520]  Oh, yes, and not only that, but when they sued me, they didn't put a court date on my
[36:33.520 --> 36:34.520]  paperwork.
[36:34.520 --> 36:43.000]  There was no court date, all it said was what date they had gone to court, that was it.
[36:43.000 --> 36:46.880]  They were hoping you weren't going to show up, and they do this, folks.
[36:46.880 --> 36:53.260]  They don't put a date to appear because they figure you don't know anything, and then they
[36:53.260 --> 36:57.080]  just go ahead and hold the case, and they say, well, they're not here, we've got to
[36:57.080 --> 37:01.880]  get a default judgment, because they don't want you showing up in that courtroom, okay?
[37:01.880 --> 37:09.160]  But the point is, is when they do that, and so you know what's going on, these debt collectors,
[37:09.160 --> 37:10.800]  they'll come into the courtroom.
[37:10.800 --> 37:16.120]  Now, you come in as ABC debt collection company, the court doesn't know you, you know, you're
[37:16.120 --> 37:22.280]  just some small little outfit, however, the court does know the Discover cards of the
[37:22.280 --> 37:27.560]  world, the Chase bank cards, the Citibank, everybody knows these people.
[37:27.560 --> 37:33.720]  So they put that on the document, oh, we're representing Citibank to collect this.
[37:33.720 --> 37:39.360]  The big question is, is when you're in that courtroom, and you have a right to ask this
[37:39.360 --> 37:47.320]  question, ABC debt company claims they're representing Citibank.
[37:47.320 --> 37:52.760]  Your honor, I would request that ABC debt company produce their contract to show that
[37:52.760 --> 37:55.040]  they really do represent Citibank.
[37:55.040 --> 37:58.240]  Hit the court with that one and see what they do.
[37:58.240 --> 37:59.240]  Right.
[37:59.240 --> 38:00.240]  Okay?
[38:00.240 --> 38:04.920]  Because nine out of 10 times, they aren't representing anybody, they bought this thing,
[38:04.920 --> 38:11.000]  and you're using the creditor's name to get the court's attention more than anything else.
[38:11.000 --> 38:18.640]  And then if you want to ask the $64,000 question, if they come back and said, oh, no, we bought
[38:18.640 --> 38:23.920]  the debt, oh, good, we're glad you bought the debt, your honor, could you instruct the
[38:23.920 --> 38:30.120]  plaintiff to produce the document that says they bought this alleged account, and how
[38:30.120 --> 38:35.120]  much they paid for it, and I can hear the objections going off now.
[38:35.120 --> 38:38.960]  They will fight you tooth and nail, because they're not going to tell you they bought
[38:38.960 --> 38:47.400]  a $6,000 debt for $100, because they're committing fraud upon the court when this is revealed.
[38:47.400 --> 38:51.920]  It's one thing to say, okay, you owe me $100, I bought it for $100, and I want $200, or
[38:51.920 --> 38:59.880]  I want $100 plus $300 for court costs, but to come in there and say you owe $6,000 with
[38:59.880 --> 39:05.600]  all the interest and lay charge and the court costs when you paid $100, you know, think
[39:05.600 --> 39:06.600]  about it.
[39:06.600 --> 39:11.200]  Well, they don't want to talk about those things, and if you bring that up in the courtroom,
[39:11.200 --> 39:16.880]  in the local court, I will guarantee you they will fight you tooth and nail to prevent the
[39:16.880 --> 39:19.960]  have to provide that information to the court.
[39:19.960 --> 39:27.040]  I just noticed something that I had not noticed previously.
[39:27.040 --> 39:34.560]  On the motion to dismiss from the jurisdiction case, the plaintiff is written in as Discover
[39:34.560 --> 39:35.560]  Bank.
[39:35.560 --> 39:36.560]  Yeah.
[39:36.560 --> 39:42.400]  Well, of course, because it's on the documents, but see, again, this goes back.
[39:42.400 --> 39:46.640]  You can put anything on a paper that you want to, but in a court of law, you're going to
[39:46.640 --> 39:47.640]  have to make them prove it.
[39:47.640 --> 39:52.400]  It doesn't say Mann and Bracken on here anywhere.
[39:52.400 --> 39:53.400]  Yeah.
[39:53.400 --> 39:54.400]  Isn't that interesting?
[39:54.400 --> 40:00.000]  So they came in, Mann and Bracken came in and said they're representing Discover Card.
[40:00.000 --> 40:01.000]  Okay.
[40:01.000 --> 40:06.840]  So prove to us, you know, show us your contract that says you're representing Discover Card,
[40:06.840 --> 40:08.720]  that you contracted with them on this.
[40:08.720 --> 40:09.720]  What's the big deal?
[40:09.720 --> 40:14.400]  Why wouldn't you, if you were doing the right thing, why wouldn't you want to show that
[40:14.400 --> 40:18.280]  to the court and say, yeah, your honor, here's our contract with them?
[40:18.280 --> 40:19.280]  That's amazing.
[40:19.280 --> 40:25.920]  So they represented themselves as an attorney, even though they weren't an attorney, and
[40:25.920 --> 40:30.200]  they represented through Discover Bank, and there's no way that they did not, they definitely
[40:30.200 --> 40:31.960]  did not have my social security number.
[40:31.960 --> 40:34.600]  They kept trying to get my social security number.
[40:34.600 --> 40:40.720]  And I think that was such a good tip that you gave in your packet that when these creditors
[40:40.720 --> 40:45.840]  call and they try to get any personal information that you don't give it to them.
[40:45.840 --> 40:46.840]  Right.
[40:46.840 --> 40:49.840]  Well, you've got the 18 questions too, which are always fun, you know.
[40:49.840 --> 40:53.880]  And you get to ask them, well, what's your social security number?
[40:53.880 --> 40:54.880]  Yeah.
[40:54.880 --> 40:55.880]  Yes.
[40:55.880 --> 41:01.040]  And I believe I did call them because I was trying to find out exactly who I was dealing
[41:01.040 --> 41:02.040]  with.
[41:02.040 --> 41:07.800]  And so I called them with their 18 questions because I wanted to find out if they had said
[41:07.800 --> 41:11.080]  that I refused to make a payment, which is why they were suing me.
[41:11.080 --> 41:12.080]  Right.
[41:12.080 --> 41:15.800]  Because my understanding was as long as I did not refuse to make a payment, they wouldn't
[41:15.800 --> 41:16.800]  actually sue me.
[41:16.800 --> 41:19.960]  You could just refuse forever.
[41:19.960 --> 41:23.440]  And until they actually proved that it was your debt, there was nothing, you know, and
[41:23.440 --> 41:27.360]  it meant getting phone calls, which were harassing, you know.
[41:27.360 --> 41:28.360]  Yeah.
[41:28.360 --> 41:33.200]  But I always thought it would be a big deal to go do this and deal with this.
[41:33.200 --> 41:35.640]  And it ended up being so easy.
[41:35.640 --> 41:36.640]  Yeah.
[41:36.640 --> 41:37.640]  Yeah.
[41:37.640 --> 41:40.760]  Once you learn how to do it, you know what to ask and you put them on the spot.
[41:40.760 --> 41:42.240]  They don't seem to want to go there.
[41:42.240 --> 41:43.240]  Okay.
[41:43.240 --> 41:44.640]  I really wish I had done this years ago.
[41:44.640 --> 41:47.880]  I've gone through years of harassment over this thing.
[41:47.880 --> 41:51.720]  And now knowing that all I have to do is send this into the credit bureau and the whole thing
[41:51.720 --> 41:53.720]  is gone.
[41:53.720 --> 41:54.720]  Yep.
[41:54.720 --> 41:55.720]  Yep.
[41:55.720 --> 42:00.520]  Well, you see, here's your alternative course of action, Willow.
[42:00.520 --> 42:02.920]  You know this thing has been kicked out of the court.
[42:02.920 --> 42:07.880]  There is no account, okay, because they took you to court to try to prove there was one.
[42:07.880 --> 42:11.280]  And it's been dismissed because there is no account.
[42:11.280 --> 42:12.840]  They didn't prove anything.
[42:12.840 --> 42:16.480]  You send that to the bureau, the judgment from the court, a copy of the judgment to
[42:16.480 --> 42:17.480]  the bureau.
[42:17.480 --> 42:22.880]  If the bureau doesn't remove it, they are reporting erroneous and inaccurate information
[42:22.880 --> 42:24.200]  and you drag the bureau.
[42:24.200 --> 42:27.440]  That gives you, opens your door to take the credit bureau into court.
[42:27.440 --> 42:28.600]  And boy, I would love to.
[42:28.600 --> 42:32.160]  The credit bureaus are the one responsible for all of this because they're not checking
[42:32.160 --> 42:33.160]  anything.
[42:33.160 --> 42:34.160]  Wow.
[42:34.160 --> 42:39.680]  That's my next course that's coming out is how to go after the credit bureaus.
[42:39.680 --> 42:42.440]  That's a whole different project.
[42:42.440 --> 42:46.360]  It's under fair credit reporting, but there's a whole different plan in place.
[42:46.360 --> 42:47.360]  I've been there.
[42:47.360 --> 42:55.000]  I've had the bureaus in court going up through 26F, which is discovery, and 26F is you prepare
[42:55.000 --> 42:56.000]  for trial.
[42:56.000 --> 43:00.560]  And you go through production of documents, you go through admissions and denials, you
[43:00.560 --> 43:05.240]  go through competent, you know, who you're going to call as an expert witness, depositions.
[43:05.240 --> 43:09.360]  I was deposed by the bureau for six hours personally, but I wanted to go through it
[43:09.360 --> 43:11.640]  and know what it was about.
[43:11.640 --> 43:18.520]  And the point is, is that you're going to have so much on them that they offered me
[43:18.520 --> 43:20.560]  a, you know, settle to go away.
[43:20.560 --> 43:23.320]  They, they just didn't want to go there.
[43:23.320 --> 43:28.120]  And I take this all back to the point that you take them into that federal court, you
[43:28.120 --> 43:32.280]  take them to a jury trial because you as the plaintiff, you have so much power.
[43:32.280 --> 43:35.120]  You don't know how much power you have as a plaintiff in these cases.
[43:35.120 --> 43:39.920]  Do you think, and I've said this a hundred times, you think anybody on that jury might
[43:39.920 --> 43:47.400]  have a credit report, you know, and you think maybe anybody on the jury has ever been through
[43:47.400 --> 43:51.120]  this stuff or has got a friend, relative, sister, aunt, uncle, brother, mother, father
[43:51.120 --> 43:55.760]  who's done this and been through it or, you know, know somebody like you who's been through
[43:55.760 --> 43:56.760]  this stuff.
[43:56.760 --> 43:58.680]  They're not going to get a lot of sympathy.
[43:58.680 --> 44:00.880]  So that's why they don't want to go there.
[44:00.880 --> 44:01.880]  Okay.
[44:01.880 --> 44:07.720]  Anyhow, it's, it's just once you learn the process and how to walk, walk this stuff through,
[44:07.720 --> 44:08.720]  it's very simple.
[44:08.720 --> 44:13.320]  And the point I was bringing up before is that when I was asking if the judge threw
[44:13.320 --> 44:17.480]  the gavel at you or if the bailiff had to come in and put the handcuffs on you, they
[44:17.480 --> 44:20.800]  don't do anything to you folks at civil court.
[44:20.800 --> 44:28.160]  You act like a gentleman or a lady, you don't get obnoxious, you don't get mouthy, you'll
[44:28.160 --> 44:32.400]  get your day in court and you'll get a chance to explain to the judge what's going on.
[44:32.400 --> 44:36.920]  Just like this judge didn't know up from down in this stuff because they don't teach this
[44:36.920 --> 44:38.920]  stuff in law school.
[44:38.920 --> 44:39.920]  Yeah.
[44:39.920 --> 44:40.920]  The judge obviously didn't have a clue.
[44:40.920 --> 44:41.920]  Yeah.
[44:41.920 --> 44:47.160]  He had a daughter going through the same thing and she obviously didn't have a clue of how
[44:47.160 --> 44:51.400]  to go about fighting it or that it was illegal or that they're supposed to have a thousand
[44:51.400 --> 44:55.600]  dollar bond on the debt before they take it to court.
[44:55.600 --> 44:56.600]  Yep.
[44:56.600 --> 45:01.120]  Texas law, you know, you were talking about a four year statute of limitations, Texas
[45:01.120 --> 45:02.400]  has one year.
[45:02.400 --> 45:05.160]  You have one year to bring it to court.
[45:05.160 --> 45:06.160]  Sure.
[45:06.160 --> 45:09.320]  It's the first time that it's closed and after that you've reached your statute of
[45:09.320 --> 45:10.320]  limitations.
[45:10.320 --> 45:11.320]  Yeah.
[45:11.320 --> 45:14.720]  It says the credit card companies have made it look like it was within a four year time
[45:14.720 --> 45:18.480]  period but that's even past Texas for getting into court.
[45:18.480 --> 45:21.800]  They can still claim on it for four years but they can only take it to court for one
[45:21.800 --> 45:22.800]  year in Texas.
[45:22.800 --> 45:26.840]  Well, this is important to know because every state, I'm glad you brought that up, every
[45:26.840 --> 45:31.760]  state is different and you need to go to, and where you can find out these laws like
[45:31.760 --> 45:37.720]  on a debt collector is very simple, you go to your Secretary of State, I'll say it one
[45:37.720 --> 45:43.400]  more time, your Secretary of State's website and I'm willing to bet I'll put $100 on the
[45:43.400 --> 45:50.840]  table right now that you go to that site and you'll be able to find the rules that govern
[45:50.840 --> 45:51.840]  debt collectors.
[45:51.840 --> 45:53.400]  That's where I got that.
[45:53.400 --> 45:54.400]  I was amazed.
[45:54.400 --> 45:55.400]  You led me to that site.
[45:55.400 --> 45:57.800]  That was one of those things you had mentioned and so.
[45:57.800 --> 45:58.800]  Exactly.
[45:58.800 --> 46:02.920]  There's a lot of really good information about Texas and I feel very prepared now.
[46:02.920 --> 46:05.560]  I mean, that's the only credit card I've ever had.
[46:05.560 --> 46:06.560]  Yeah.
[46:06.560 --> 46:11.560]  Everything else on my credit report, I've bought three houses, everything is all at
[46:11.560 --> 46:12.560]  zero.
[46:12.560 --> 46:14.960]  You know, that was the only bad thing I had on my credit report.
[46:14.960 --> 46:15.960]  Right.
[46:15.960 --> 46:20.880]  So by getting this cleared, I should have perfect credit if I ever want to get anything.
[46:20.880 --> 46:23.200]  But the point is, you know what, we're off.
[46:23.200 --> 46:24.200]  You'll sleep better at night.
[46:24.200 --> 46:25.200]  Yeah.
[46:25.200 --> 46:29.480]  You won't have to worry about that and you won't have to wonder who's calling you on
[46:29.480 --> 46:30.480]  the phone.
[46:30.480 --> 46:31.480]  Yeah.
[46:31.480 --> 46:32.480]  Oh yeah.
[46:32.480 --> 46:35.880]  I don't have to ignore my phone when people are over and they look at me like, why aren't
[46:35.880 --> 46:36.880]  you going to answer my phone?
[46:36.880 --> 46:37.880]  What would I do?
[46:37.880 --> 46:38.880]  It's the bill collector.
[46:38.880 --> 46:41.880]  I'm not getting it this time.
[46:41.880 --> 46:45.280]  And that's no way to have to live your life.
[46:45.280 --> 46:47.640]  And they call at 8 o'clock in the morning.
[46:47.640 --> 46:48.960]  They call at 8 o'clock at night.
[46:48.960 --> 46:51.200]  They don't care what time of day they're calling.
[46:51.200 --> 46:52.200]  Yep.
[46:52.200 --> 46:53.200]  You know.
[46:53.200 --> 46:54.200]  I don't know how to stop them.
[46:54.200 --> 46:55.200]  Well, you do now.
[46:55.200 --> 46:56.200]  Yeah.
[46:56.200 --> 46:57.200]  Oh, absolutely.
[46:57.200 --> 47:04.600]  And I'm telling everybody, I actually sent out a rule of law radio as a recommendation
[47:04.600 --> 47:09.280]  on my Facebook to tell everybody that, you know, this is the way you get this information.
[47:09.280 --> 47:12.080]  Because you guys have helped me with this.
[47:12.080 --> 47:14.760]  You've helped me with traffic issues.
[47:14.760 --> 47:15.760]  Yep.
[47:15.760 --> 47:21.240]  And now I need to just figure out how to go after my water company.
[47:21.240 --> 47:24.880]  I'll wait to go after them, too.
[47:24.880 --> 47:25.880]  That's no problem.
[47:25.880 --> 47:31.960]  I've got a gentleman right now up in New York near Albany in Ranette-Fleur County who's
[47:31.960 --> 47:38.160]  suing his utility company and is taking them into federal court.
[47:38.160 --> 47:43.520]  Well, that's kind of where I've been at with my water company right now.
[47:43.520 --> 47:48.240]  Because we're paying like $180 to $190 a month for water and septic.
[47:48.240 --> 47:49.240]  Yeah.
[47:49.240 --> 47:53.560]  You know, the thing is, they were trying to collect the $600 bill from him and it was
[47:53.560 --> 47:54.560]  disputed.
[47:54.560 --> 47:55.800]  And I don't know what they did.
[47:55.800 --> 47:56.800]  I don't know all the details.
[47:56.800 --> 47:57.800]  I saw his complaint.
[47:57.800 --> 48:01.320]  He ran it past me before he submitted it.
[48:01.320 --> 48:07.720]  I will do that for folks when they prepare their complaint so they have my course.
[48:07.720 --> 48:08.720]  Send me your complaint.
[48:08.720 --> 48:10.720]  I always tell them, send me your complaint before you put it in.
[48:10.720 --> 48:11.720]  Let me take a look at it.
[48:11.720 --> 48:15.240]  Make sure you crossed all the T's and dotted all the I's, you know.
[48:15.240 --> 48:16.720]  I'll definitely do that.
[48:16.720 --> 48:17.720]  Yeah.
[48:17.720 --> 48:19.680]  You know, it takes me like 15 minutes.
[48:19.680 --> 48:25.600]  Most of the complaints, you know, are probably no more than a half a dozen pages and it doesn't
[48:25.600 --> 48:27.640]  take long to read through that.
[48:27.640 --> 48:32.400]  And there's sample of complaints in my courses and so on and so forth.
[48:32.400 --> 48:37.120]  And you know, once you learn, you get yourself hooked up to Pacer.
[48:37.120 --> 48:42.160]  See, the whole thing with this, and will always hit the button right on the head, the nail
[48:42.160 --> 48:45.320]  right on the head, is a learning curve.
[48:45.320 --> 48:46.560]  Just learn a little bit.
[48:46.560 --> 48:51.240]  Put some knowledge behind you and you'll kill these guys because you're going to know more
[48:51.240 --> 48:52.240]  than them.
[48:52.240 --> 48:53.240]  Just like she went in that courtroom.
[48:53.240 --> 48:57.360]  The judge didn't know this stuff and the judge says, you know what, you're right, I'm dismissing
[48:57.360 --> 48:58.360]  the case.
[48:58.360 --> 49:01.000]  It's all over.
[49:01.000 --> 49:02.000]  You know?
[49:02.000 --> 49:05.760]  And you'll be surprised how many lawyers don't know this stuff.
[49:05.760 --> 49:12.200]  They don't teach it in law school anymore, a consumer law, because there's not a lot
[49:12.200 --> 49:15.120]  of money to be made in it by lawyers.
[49:15.120 --> 49:17.560]  It just boggles my mind.
[49:17.560 --> 49:25.080]  One of the things I'm curious about, now, I've been interested in fighting the law and
[49:25.080 --> 49:31.000]  standing up for my rights and doing things, for years, I'm very politically active in
[49:31.000 --> 49:32.000]  that way.
[49:32.000 --> 49:36.280]  And one of the things that I've found very interesting, and I'm not sure if I'm correct
[49:36.280 --> 49:43.000]  in this, so I'm going to ask you, is if I represent myself, I have more power to be
[49:43.000 --> 49:49.320]  able to get these things through, because when I hire a lawyer, basically, I'm saying
[49:49.320 --> 49:53.360]  I'm not intelligent enough to understand the process of the court, so I have to hire this
[49:53.360 --> 49:55.160]  person to interpret for me?
[49:55.160 --> 49:58.800]  Well, you pretty much hit the nail on the head.
[49:58.800 --> 50:03.520]  I tell you, when it comes to this stuff, now, you know, I don't do anything with criminal
[50:03.520 --> 50:04.520]  law.
[50:04.520 --> 50:08.960]  I don't get involved with criminal law, I don't have any past like that, but I strongly
[50:08.960 --> 50:13.520]  suggest that if you're charged with murdering somebody, that you go get a lawyer, okay,
[50:13.520 --> 50:15.440]  and not do this yourself.
[50:15.440 --> 50:19.120]  But this stuff is a civil, it's a civil matter.
[50:19.120 --> 50:22.120]  There is no criminal charges involved.
[50:22.120 --> 50:27.000]  If you fail, the worst is they're going to win and you're going to have to pay the bill,
[50:27.000 --> 50:30.120]  okay, or go fight them another day, another way.
[50:30.120 --> 50:37.600]  But every case I have had in federal court, my own personal experience, I've won, and
[50:37.600 --> 50:44.240]  everyone I've helped doing this in federal court, I haven't seen one case kicked out,
[50:44.240 --> 50:47.840]  dismissed, and everybody's won.
[50:47.840 --> 50:51.600]  Well, you can see where people are winning all over the place.
[50:51.600 --> 50:57.760]  You can see, man, Bracken was put out of business by all the lawsuits by people suing them.
[50:57.760 --> 51:04.400]  I mean, there's lawsuits, there's probably 3,000 lawsuits listed on the internet of people
[51:04.400 --> 51:05.400]  who've seen that.
[51:05.400 --> 51:06.400]  How did you find that out, Willow?
[51:06.400 --> 51:08.200]  How did you find that out?
[51:08.200 --> 51:11.480]  How did you educate yourself to find that out?
[51:11.480 --> 51:19.240]  Well, I had some direction from you for various places to look, and then I got on the internet
[51:19.240 --> 51:25.200]  and just went into various... I had to do it, look up the name of the company that's
[51:25.200 --> 51:30.360]  suing me was the first thing I did, was look them up to see what their history was.
[51:30.360 --> 51:35.800]  And then I could also look up various court situations where they had gone to court, and
[51:35.800 --> 51:37.200]  it has the whole file there.
[51:37.200 --> 51:38.200]  Exactly.
[51:38.200 --> 51:44.120]  But it takes a lot to go through all those files, which is why you had listings of federal
[51:44.120 --> 51:50.040]  laws with exact thing to refer to, which was one of the things I found most helpful, because
[51:50.040 --> 51:54.560]  I could look at that exact law, how it was stated, what I was supposed to be looking
[51:54.560 --> 51:56.720]  for within the law.
[51:56.720 --> 52:01.440]  And once I started going through it, it all is very easy to understand, and the law's
[52:01.440 --> 52:02.440]  on our side.
[52:02.440 --> 52:03.440]  Yeah.
[52:03.440 --> 52:08.120]  And it's been applied properly, because there are people in the head of the federal banking
[52:08.120 --> 52:13.120]  situation are the same people that are allowing all of this to happen.
[52:13.120 --> 52:14.120]  Yeah.
[52:14.120 --> 52:15.120]  Well, those...
[52:15.120 --> 52:21.760]  AIG has been their own... been the people who are watching their own back for the last
[52:21.760 --> 52:22.760]  eight years.
[52:22.760 --> 52:23.760]  Yeah.
[52:23.760 --> 52:28.400]  Well, those laws, the Fair Credit Reporting Act and the Debt Collection Practices Act
[52:28.400 --> 52:33.960]  have been around since about 1970 when they were enacted, now they've been modified over
[52:33.960 --> 52:34.960]  the years.
[52:34.960 --> 52:41.040]  That's why the link I give you in my courses, and it's a link, folks, you click on it, you
[52:41.040 --> 52:46.520]  know, hit control and enter, and it'll take you right to the internet link for the Federal
[52:46.520 --> 52:52.720]  Trade Commission, which will have the newest updated version of these laws.
[52:52.720 --> 52:57.560]  And they're not... it's not like it's 100 pages you have to read.
[52:57.560 --> 52:58.560]  It's just a few pages.
[52:58.560 --> 52:59.560]  Right.
[52:59.560 --> 53:00.560]  It's just a few pages.
[53:00.560 --> 53:04.840]  And my understanding is that these laws are changing right now, and that if you have a
[53:04.840 --> 53:10.240]  credit card, your credit card has been a stable credit card for years, or for however long
[53:10.240 --> 53:16.040]  you've had it, that suddenly they can change that to where it's not stable, and all the
[53:16.040 --> 53:20.200]  credit cards supposedly send out letters in January with all whatever changes they're
[53:20.200 --> 53:24.560]  making in their system to have to fill in for these new laws.
[53:24.560 --> 53:29.920]  So my understanding is that there's a whole bunch of new charges that the credit cards
[53:29.920 --> 53:32.920]  are fitting in there, trying to get in before the laws change.
[53:32.920 --> 53:33.920]  Yup.
[53:33.920 --> 53:37.960]  And I've got a ton of credit cards, I can tell you that right now, okay?
[53:37.960 --> 53:43.280]  And I've got a bunch of those letters, and the big thing that they have to do is, I believe
[53:43.280 --> 53:48.320]  they've got to give you, if I remember one of the letters, those 45 days before... for
[53:48.320 --> 53:53.600]  you to either quit the card or, you know, go to them and say, no, I don't want to do
[53:53.600 --> 53:58.520]  that, I'm going to give the card up, they've got to now notify you, okay?
[53:58.520 --> 54:03.640]  So that was one of the new laws that they placed in... and I don't know if it's in
[54:03.640 --> 54:07.360]  the fair credit report, but I know that's one of the laws they put on the bankers to
[54:07.360 --> 54:08.560]  do that.
[54:08.560 --> 54:15.840]  So what's happening is, is that there are so many people in trouble out there, and who
[54:15.840 --> 54:21.640]  are, you know, whether they lost their job because the company went bankrupt, they're
[54:21.640 --> 54:28.240]  out of business, or they were just let go, or they got sick or whatever, who are in trouble
[54:28.240 --> 54:33.740]  with this stuff, they can't work anymore, they can't make their payments.
[54:33.740 --> 54:39.200]  And that's what's happening, and it's just not one or two people, I'm going to say millions,
[54:39.200 --> 54:42.320]  I don't know what the number is.
[54:42.320 --> 54:50.800]  I get contacted almost daily by people, I had a gentleman today from Michigan who contacted
[54:50.800 --> 54:56.360]  me, and he got two default judgments against him, and he says, Mike, I was never served
[54:56.360 --> 54:59.840]  on the one default judgment, I said, well, did you go look at the docket packet?
[54:59.840 --> 55:04.880]  Well, the docket packet, if you don't know what that terminology is, is when they bring
[55:04.880 --> 55:10.120]  an action against you in a court, in a local court, they have a file, and the docket packet
[55:10.120 --> 55:11.640]  is the file.
[55:11.640 --> 55:17.400]  You have a right to go in and see that file, and you have a right to see the service.
[55:17.400 --> 55:24.960]  Well, when you're served with one of these documents, okay, to come into court, the process
[55:24.960 --> 55:31.840]  server generally has to fill out the back of the summons and or service document that
[55:31.840 --> 55:38.600]  says, the person I served was five foot five, had blonde hair, blue eyes, weighed approximately
[55:38.600 --> 55:44.040]  110 pounds, and they got to put that all down there, and then they sign it as an affidavit.
[55:44.040 --> 55:48.440]  This guy says, I never got served, I says, go look in the docket and see what the service
[55:48.440 --> 55:54.520]  guy says, and gee, if it's not in there, and then the guy answered me back, and what the
[55:54.520 --> 55:58.840]  answer was, okay, folks, it's going to blow your mind.
[55:58.840 --> 56:05.520]  He says, I didn't know, my lawyer didn't even do that.
[56:05.520 --> 56:10.440]  He had a lawyer who didn't even check for proper service.
[56:10.440 --> 56:11.440]  I couldn't believe it.
[56:11.440 --> 56:12.440]  I says, yeah, right.
[56:12.440 --> 56:18.040]  I says, you know, I says, you don't think they're in cahoots with the judge, do you?
[56:18.040 --> 56:20.040]  They're only in the same bar.
[56:20.040 --> 56:24.040]  They probably go have lunch a couple of times a month, and every other Wednesday, they're
[56:24.040 --> 56:25.640]  playing golf together.
[56:25.640 --> 56:26.640]  Come on.
[56:26.640 --> 56:33.200]  But unless you know what to do and can call their attention to see folks, you get it on
[56:33.200 --> 56:40.240]  the record, and if it goes south on you, you have this little thing called an appeal you
[56:40.240 --> 56:46.200]  can make and go to the higher court, and I'm telling you right now, the lower court judges
[56:46.200 --> 56:52.440]  don't like appeals, but this is the stuff you need to know.
[56:52.440 --> 56:53.440]  Yeah.
[56:53.440 --> 56:58.960]  Yeah, it is something everybody should know.
[56:58.960 --> 57:01.960]  We have to all educate ourselves to be able to protect ourselves.
[57:01.960 --> 57:09.000]  Well, the thing is, now that you've learned this, in the future, if anything goes bad,
[57:09.000 --> 57:10.600]  you'll know what to do.
[57:10.600 --> 57:11.600]  Absolutely.
[57:11.600 --> 57:12.600]  Absolutely.
[57:12.600 --> 57:16.960]  If I have anybody who are asking me to phone calls ever again, I will know immediately
[57:16.960 --> 57:18.760]  to send them a certified letter.
[57:18.760 --> 57:19.760]  Yeah.
[57:19.760 --> 57:21.760]  Get it over and done with and stop it.
[57:21.760 --> 57:24.280]  I'm not going to put up with it anymore.
[57:24.280 --> 57:29.280]  Yeah, and a lot of times, and so you folks know, when this happens, if you have debt
[57:29.280 --> 57:35.200]  collectors calling you and you send out the validation letter, it puts them on notice.
[57:35.200 --> 57:40.520]  It's only a one-page letter, we don't get into a lot of this, and you'll excuse me
[57:40.520 --> 57:45.600]  if I say this, right-wing nut job stuff that starts, you know, you send them 50 pages of
[57:45.600 --> 57:48.720]  case law and all that, you don't have to do all that stuff.
[57:48.720 --> 57:49.720]  It's not necessary.
[57:49.720 --> 57:50.720]  A short letter.
[57:50.720 --> 57:55.800]  Yeah, you know, and you know, prove to me I owe something, and oh, by the way, have
[57:55.800 --> 58:03.400]  it signed under penalty of perjury, that it's the truth, okay, and 90% of the time you'll
[58:03.400 --> 58:07.640]  get a letter back from these guys and we'll say, ah, we're returning this to the creditor,
[58:07.640 --> 58:11.680]  we're not going to bother you anymore, and I hear the commercial coming up.
[58:11.680 --> 58:12.680]  Yes, I hear it too.
[58:12.680 --> 58:13.680]  Okay.
[58:13.680 --> 58:14.680]  This has been awesome.
[58:14.680 --> 58:19.680]  I mean, you made it so easy, you made it so I could look and see, right, where to go
[58:19.680 --> 58:22.800]  and who to contact and what order to do it in.
[58:22.800 --> 58:24.280]  Yeah, it is.
[58:24.280 --> 58:25.280]  It is very easy.
[58:25.280 --> 58:28.000]  Do it once or twice, you'll become an expert at it.
[58:28.000 --> 58:30.000]  You'll just defeat these guys easily.
[58:30.000 --> 58:31.000]  Yes.
[58:31.000 --> 58:32.000]  Thank you.
[58:32.000 --> 58:33.000]  Sure.
[58:33.000 --> 58:34.000]  Goodbye.
[58:34.000 --> 58:37.680]  Well, Willow, thank you, I mean, you've really taken the pole and run.
[58:37.680 --> 58:40.880]  I don't know what to say.
[58:40.880 --> 58:46.160]  Well, I tell you what, I was very, I was one half the camper when I got out of court the
[58:46.160 --> 58:47.160]  other morning.
[58:47.160 --> 58:50.400]  All right, well, listen, we're going to break right now, it's at the top of the hour.
[58:50.400 --> 58:52.240]  Y'all are welcome to hang on the line.
[58:52.240 --> 58:54.400]  I want to make some comments on the other side.
[58:54.400 --> 58:55.400]  Okay.
[58:55.400 --> 59:03.560]  Our right to bear arms is under attack here in Austin.
[59:03.560 --> 59:09.240]  Police Chief Acevedo and his goons need to know we will not allow them to strong arm
[59:09.240 --> 59:15.680]  private businesses, gun show promoters and vendors, run corrupt sting operations to intimidate
[59:15.680 --> 59:21.360]  legal gun sellers and cut off public access to purchasing firearms in Austin.
[59:21.360 --> 59:23.480]  City Council needs to hold him accountable.
[59:23.480 --> 59:28.200]  This is it, people, it is starting and we the people are the only ones who are going
[59:28.200 --> 59:29.480]  to do anything about it.
[59:29.480 --> 59:33.600]  If you don't live in Austin and don't help us stop this here, believe it when we say
[59:33.600 --> 59:36.360]  it's coming to a Texas city near you.
[59:36.360 --> 59:43.040]  Monday, January 25th from 5 to 7 p.m. in front of the Austin Police Department, show up,
[59:43.040 --> 59:47.880]  715 East 8th Street, come early, park down the street and walk.
[59:47.880 --> 59:53.320]  Wear your gun holsters on your hip and shoulder, but instead of a weapon, put the Constitution
[59:53.320 --> 59:54.320]  in it.
[59:54.320 --> 59:55.320]  Bring your friends, your voice and your sign.
[59:55.320 --> 59:56.320]  City Council needs to hold him accountable.
[59:56.320 --> 01:00:04.520]  This news brief brought to you by the International News Net.
[01:00:04.520 --> 01:00:08.900]  The U.S. for the first time is providing spy drones to Pakistan.
[01:00:08.900 --> 01:00:14.200]  The pledged dozen drones are part of a U.S. effort to gain Pakistan's cooperation in
[01:00:14.200 --> 01:00:17.880]  fighting Muslim rebels on the Afghan border.
[01:00:17.880 --> 01:00:23.280]  Pakistani military leaders appear to be rebuffing U.S. pressure, saying they plan no new offenses
[01:00:23.280 --> 01:00:25.080]  for at least six months.
[01:00:25.080 --> 01:00:29.720]  U.S. Defense Secretary Robert Gates confirms that private security firms Z, formerly known
[01:00:29.720 --> 01:00:34.280]  as Blackwater and DynCorp, have been operating in Pakistan.
[01:00:34.280 --> 01:00:39.640]  Gates said the companies were abiding by Pakistani law, adding if the Pakistani parliament votes
[01:00:39.640 --> 01:00:43.560]  for a ban on the firm's presence, the U.S. would comply.
[01:00:43.560 --> 01:00:48.560]  A new Congressional Research Service report shows the U.S. military is increasingly relying
[01:00:48.560 --> 01:00:49.560]  on mercenaries.
[01:00:49.560 --> 01:00:54.720]  The number of private security contractors in Afghanistan doubled between June and September
[01:00:54.720 --> 01:00:59.320]  2009 and now make up as much as 30% of the armed forces there.
[01:00:59.320 --> 01:01:10.840]  Between 2008 and 2009, the number of private contractors soared 236% to just over 10,700.
[01:01:10.840 --> 01:01:16.200]  Venezuelan leader Hugo Chavez Wednesday accused the U.S. of causing the earthquake in Haiti
[01:01:16.200 --> 01:01:20.360]  by testing a tectonic weapon to induce the catastrophic earthquake.
[01:01:20.360 --> 01:01:27.040]  Chavez said the U.S. was playing God by testing devices capable of creating echo-type catastrophes.
[01:01:27.040 --> 01:01:31.200]  Chavez said the killer quake followed testing of an earthquake weapon just offshore from
[01:01:31.200 --> 01:01:32.200]  Haiti.
[01:01:32.200 --> 01:01:37.480]  Chavez earlier accused the U.S. of occupying Haiti under the guise of a natural disaster.
[01:01:37.480 --> 01:01:43.120]  Venezuelan media have reported that the earthquake may be associated with HARP, a system that
[01:01:43.120 --> 01:01:46.440]  can generate violent and unexpected changes in climate.
[01:01:46.440 --> 01:01:52.440]  HARP, the High Frequency Active Auroral Research Program, is a U.S. Air Force-run project in
[01:01:52.440 --> 01:01:57.200]  Alaska, ostensibly set up to improve satellite communications.
[01:01:57.200 --> 01:02:04.000]  In 1997, former Secretary of Defense William Cohen expressed concern over countries engaging
[01:02:04.000 --> 01:02:09.720]  in echo-type terrorism whereby they can alter the climate set off earthquakes and volcanoes
[01:02:09.720 --> 01:02:13.480]  remotely to the use of electromagnetic waves.
[01:02:13.480 --> 01:02:18.720]  Top of the hour news brought to you by INN World Report.
[01:02:18.720 --> 01:02:23.880]  Iceland has confirmed it will hold a referendum on whether to honor a controversial agreement
[01:02:23.880 --> 01:02:29.040]  to repay Britain and the Netherlands $5 billion by 2024.
[01:02:29.040 --> 01:02:33.840]  Late last year, Iceland's parliament narrowly passed a bill that guaranteed the government
[01:02:33.840 --> 01:02:39.280]  would meet onerous bailout terms involved in repaying British and Dutch citizens who
[01:02:39.280 --> 01:02:45.240]  lost their savings after the collapse of Iceland's national bank, Land's Banky.
[01:02:45.240 --> 01:02:51.200]  President Olafur Ragnar Grimson refused to sign the bill into law, triggering a constitutional
[01:02:51.200 --> 01:02:54.520]  mandate that the bill be subjected to a referendum.
[01:02:54.520 --> 01:02:57.760]  The latest polls show the electorate will vote down the bill.
[01:02:57.760 --> 01:03:03.600]  This news brief brought to you by... You are listening to the Rule of Law Radio
[01:03:03.600 --> 01:03:10.600]  Network at ruleoflawradio.com, live free speech talk radio at its best.
[01:03:33.600 --> 01:03:48.680]  Okay, we are back.
[01:03:48.680 --> 01:03:51.760]  Hour two of Rule of Law Radio.
[01:03:51.760 --> 01:03:53.040]  We've got Mark from Wisconsin.
[01:03:53.040 --> 01:03:55.080]  We're just about to go to your call, Mark.
[01:03:55.080 --> 01:03:56.080]  Hang on the line.
[01:03:56.080 --> 01:04:03.440]  First thing I want to know is what night do you guys want your show?
[01:04:03.440 --> 01:04:08.400]  Mike and Willow, you guys are awesome.
[01:04:08.400 --> 01:04:09.400]  Thank you.
[01:04:09.400 --> 01:04:12.960]  I just want to make a comment here.
[01:04:12.960 --> 01:04:19.040]  Willow is leader of our fire spending troop.
[01:04:19.040 --> 01:04:20.040]  I look up to her.
[01:04:20.040 --> 01:04:24.640]  She's taught me a lot, but yet, Willow, I'm so proud of you.
[01:04:24.640 --> 01:04:29.800]  You've learned so much, almost more than me, actually more than me in some areas.
[01:04:29.800 --> 01:04:34.560]  The thing that I really appreciate about you in this situation, Willow, is that you have
[01:04:34.560 --> 01:04:36.680]  taken responsibility.
[01:04:36.680 --> 01:04:38.680]  You have taken the ball.
[01:04:38.680 --> 01:04:45.760]  You've taken ownership of the situation and not just try to expect somebody else to take
[01:04:45.760 --> 01:04:51.440]  care of the problem for you, pass the buck off to somebody else.
[01:04:51.440 --> 01:04:52.920]  You studied the law.
[01:04:52.920 --> 01:04:54.320]  You've learned a lot.
[01:04:54.320 --> 01:04:58.800]  You've taken it upon yourself to take the ball and run with it.
[01:04:58.800 --> 01:05:03.360]  I really appreciate that about you, so I just wanted to say that.
[01:05:03.360 --> 01:05:06.080]  I really appreciate you guys.
[01:05:06.080 --> 01:05:13.720]  Once I got into this, I felt like I had so much support and direction.
[01:05:13.720 --> 01:05:21.640]  It really gave me that extra boost that I needed to get it done and to do it right.
[01:05:21.640 --> 01:05:30.440]  I'm all about taking personal responsibility for my actions, and at the same time, I kind
[01:05:30.440 --> 01:05:31.440]  of let things ride.
[01:05:31.440 --> 01:05:35.640]  If it's not something that really disturbs me, I'll let it ride until it actually gets
[01:05:35.640 --> 01:05:41.480]  in my face, and I've really learned from these experiences that I can't do that anymore.
[01:05:41.480 --> 01:05:45.160]  That's what I say with the water company.
[01:05:45.160 --> 01:05:50.560]  My water company, when I called them and complained about some stuff, suddenly, the next two months,
[01:05:50.560 --> 01:05:57.800]  I ended up having 8,000 gallons more water on my bill than I had used in the last three
[01:05:57.800 --> 01:06:00.080]  years in an average of any month.
[01:06:00.080 --> 01:06:02.440]  Oh, you too, huh?
[01:06:02.440 --> 01:06:07.800]  They've cushioned my bill with extra water use.
[01:06:07.800 --> 01:06:08.800]  Okay.
[01:06:08.800 --> 01:06:11.880]  Well, they did that to me, too.
[01:06:11.880 --> 01:06:16.480]  Before we get into that, I want to go to Mark, because Mark's been hanging for a long time.
[01:06:16.480 --> 01:06:18.800]  Mark probably has some comments for us.
[01:06:18.800 --> 01:06:21.040]  Mark, thanks for holding so long.
[01:06:21.040 --> 01:06:24.520]  You have questions, comments for Mike, Willow, or us?
[01:06:24.520 --> 01:06:25.520]  Yeah.
[01:06:25.520 --> 01:06:27.120]  How are you guys doing?
[01:06:27.120 --> 01:06:28.120]  Pretty good.
[01:06:28.120 --> 01:06:29.120]  Good, Mark.
[01:06:29.120 --> 01:06:30.120]  Good.
[01:06:30.120 --> 01:06:31.120]  Hey, how are you doing, Michael?
[01:06:31.120 --> 01:06:33.120]  I talked to Michael on the phone the other day.
[01:06:33.120 --> 01:06:34.120]  Yes, we did.
[01:06:34.120 --> 01:06:36.600]  I wanted to tell you a little story.
[01:06:36.600 --> 01:06:39.520]  I've been helping my dad fix up his credit report.
[01:06:39.520 --> 01:06:43.080]  He's in the local courts right now.
[01:06:43.080 --> 01:06:46.960]  We sent him a letter for no permissible purpose.
[01:06:46.960 --> 01:06:49.000]  They pulled his credit report twice.
[01:06:49.000 --> 01:06:50.000]  The attorneys did.
[01:06:50.000 --> 01:06:51.000]  They're not allowed to do that.
[01:06:51.000 --> 01:06:55.640]  We asked for verification and validation.
[01:06:55.640 --> 01:06:59.640]  They're just going to send me back an invoice, so that's going to be $3,000 right there.
[01:06:59.640 --> 01:07:01.560]  Plus, they continued collections.
[01:07:01.560 --> 01:07:04.640]  That's $4,000 right there.
[01:07:04.640 --> 01:07:08.800]  After we sent him the letter for no permissible purpose in verification and validation, they
[01:07:08.800 --> 01:07:13.280]  sent back a letter that said, give us a call so we can settle this.
[01:07:13.280 --> 01:07:17.200]  Who does that while you're in the local courts?
[01:07:17.200 --> 01:07:19.240]  It's a bitch.
[01:07:19.240 --> 01:07:20.240]  Excuse my English.
[01:07:20.240 --> 01:07:22.440]  I didn't mean to say that.
[01:07:22.440 --> 01:07:26.560]  When you learn something, man, and you got some knowledge, isn't it?
[01:07:26.560 --> 01:07:27.560]  Yep.
[01:07:27.560 --> 01:07:32.040]  We already got these guys pretty good, but we're not settling with them yet.
[01:07:32.040 --> 01:07:37.080]  What I did is I sent a dispute letter out to the original creditor so we can get maybe
[01:07:37.080 --> 01:07:43.080]  another $6,000 in violations when they don't dispute the account across the board on the
[01:07:43.080 --> 01:07:44.080]  three credit reports.
[01:07:44.080 --> 01:07:48.320]  We're just going to wait for about two and a half months, and then we're going to bang
[01:07:48.320 --> 01:07:51.320]  them over the head.
[01:07:51.320 --> 01:07:55.720]  Once you know how to do it, and you don't have to be an Einstein to do it, you've got
[01:07:55.720 --> 01:08:00.600]  to do some of your own research, because I'm a firm believer.
[01:08:00.600 --> 01:08:03.280]  You shouldn't believe what everybody tells you.
[01:08:03.280 --> 01:08:06.760]  I have some credibility, and I like to keep my credibility up.
[01:08:06.760 --> 01:08:08.200]  Go check me out on Pacer.
[01:08:08.200 --> 01:08:10.800]  I know you did that.
[01:08:10.800 --> 01:08:14.000]  The point is, is you can teach yourself this stuff.
[01:08:14.000 --> 01:08:20.760]  You don't have to be an Einstein to do it, but the power you will have is unbelievable.
[01:08:20.760 --> 01:08:21.760]  Unbelievable.
[01:08:21.760 --> 01:08:22.760]  Right?
[01:08:22.760 --> 01:08:23.760]  I feel like- Yeah.
[01:08:23.760 --> 01:08:30.040]  I walked into court feeling like I was incredibly... I could handle whatever situation.
[01:08:30.040 --> 01:08:34.400]  If they showed up, I was ready for them, and I had both guns going, because I had backup
[01:08:34.400 --> 01:08:37.000]  for any argument they came up with.
[01:08:37.000 --> 01:08:38.000]  Exactly.
[01:08:38.000 --> 01:08:39.000]  Exactly.
[01:08:39.000 --> 01:08:40.000]  Mark is doing the same thing.
[01:08:40.000 --> 01:08:41.000]  You're doing what?
[01:08:41.000 --> 01:08:42.000]  About a month now, Mark?
[01:08:42.000 --> 01:08:43.000]  Maybe a little longer?
[01:08:43.000 --> 01:08:44.000]  Yeah.
[01:08:44.000 --> 01:08:47.840]  About a month, and I've got about $10,000 worth of violations sitting next to my phone
[01:08:47.840 --> 01:08:48.840]  on the recorder- Wait a minute, Mark.
[01:08:48.840 --> 01:08:49.840] ... and my legal log there, too.
[01:08:49.840 --> 01:08:50.840]  Are you really profiteering against these people, credit card companies?
[01:08:50.840 --> 01:08:51.840]  Really?
[01:08:51.840 --> 01:08:52.840]  I am.
[01:08:52.840 --> 01:08:53.840]  I am.
[01:08:53.840 --> 01:08:54.840]  I am.
[01:08:54.840 --> 01:08:55.840]  I am.
[01:08:55.840 --> 01:08:56.840]  I am.
[01:08:56.840 --> 01:08:57.840]  I am.
[01:08:57.840 --> 01:08:58.840]  I am.
[01:08:58.840 --> 01:08:59.840]  I am.
[01:08:59.840 --> 01:09:00.840]  I am.
[01:09:00.840 --> 01:09:01.840]  I am.
[01:09:01.840 --> 01:09:02.840]  I am.
[01:09:02.840 --> 01:09:03.840]  I am.
[01:09:03.840 --> 01:09:04.840]  I am.
[01:09:04.840 --> 01:09:05.840]  I am.
[01:09:05.840 --> 01:09:06.840]  I am.
[01:09:06.840 --> 01:09:07.840]  I am.
[01:09:07.840 --> 01:09:08.840]  I am.
[01:09:08.840 --> 01:09:09.840]  I am.
[01:09:09.840 --> 01:09:10.840]  I am.
[01:09:10.840 --> 01:09:14.400]  These big companies, millions of dollars behind them, these big corporations, and you're just
[01:09:14.400 --> 01:09:19.920]  another lowly consumer who doesn't know anything, and we're going to come get you.
[01:09:19.920 --> 01:09:21.120]  That's their attitude.
[01:09:21.120 --> 01:09:22.120]  Great.
[01:09:22.120 --> 01:09:23.120]  Yeah, they-
[01:09:23.120 --> 01:09:24.120]  They're trying to collect-
[01:09:24.120 --> 01:09:30.700]  My mom had creditors try to tell her that she'd open up a little, some credit card had actually
[01:09:30.700 --> 01:09:36.520]  sent her a letter saying that she had opened up an account, because they sent her a credit
[01:09:36.520 --> 01:09:38.000]  card in the mail.
[01:09:38.000 --> 01:09:39.000]  Huh?
[01:09:39.000 --> 01:09:41.840]  her credit card in the mail and she didn't respond and say she didn't want
[01:09:41.840 --> 01:09:46.440]  it so they opened up an account and they charged my mom for that account
[01:09:46.440 --> 01:09:51.560]  without her I wouldn't have been in contact with the company so I was able to help her with this too.
[01:09:51.560 --> 01:09:53.060]  What a scam.
[01:09:53.060 --> 01:09:58.560]  It's amazing you know because she's in her 70s she wouldn't have had any idea what to do.
[01:09:58.560 --> 01:10:04.720]  Yeah exactly that's the problem is we get more people teaching them to do this and learn how to
[01:10:04.720 --> 01:10:11.240]  protect your rights under the law these guys will start changing the way they do
[01:10:11.240 --> 01:10:16.080]  things they won't be so quick to be suing people and taking them into court so fast.
[01:10:16.080 --> 01:10:20.560]  Well they've got to have they've got to have oversight if they don't have oversight they
[01:10:20.560 --> 01:10:26.880]  have to have people suing them and that's every corporation you know that whole thing about
[01:10:26.880 --> 01:10:32.240]  taking responsibility that's every corporation out there we have to take responsibility do we
[01:10:32.240 --> 01:10:35.800]  want to buy this product do we want to eat this food do we want to wear these clothes.
[01:10:35.800 --> 01:10:39.120]  Good point good point good point.
[01:10:39.120 --> 01:10:45.160]  Because that's if they're trying to treat people like we're corporations and corporations like
[01:10:45.160 --> 01:10:52.480]  their people then the people have to take on the power of the corporations and fight back.
[01:10:52.480 --> 01:10:59.360]  Exactly exactly and that's all this stuff teaches you how to do is how to go after them and
[01:10:59.360 --> 01:11:04.320]  there's a lot of things you don't know you know I've been doing this about seven years now and
[01:11:04.320 --> 01:11:09.800]  I learned stuff every day believe me but a lot of it I say ninety percent of it I've heard many
[01:11:09.800 --> 01:11:15.440]  times over you know people call me and I got this one after me yeah I've heard all this many times
[01:11:15.440 --> 01:11:23.200]  you're not the first one but I think I got some answers for you and and this is exactly once you
[01:11:23.200 --> 01:11:29.560]  learn this stuff you you won't need me anymore you'll know what to do I get people I've helped
[01:11:29.560 --> 01:11:33.960]  with over the years you know several years ago I might get a call from them once in a while you
[01:11:33.960 --> 01:11:40.160]  know hey how you're doing you know I just walked in I had a gentleman up in Buffalo New York a
[01:11:40.160 --> 01:11:46.760]  couple years ago he cleaned up his his accounts and all that he walked into what Lowe's and he
[01:11:46.760 --> 01:11:51.400]  said he calls me and he says hey I walked into Lowe's today I says yeah he says they gave me
[01:11:51.400 --> 01:11:56.600]  a credit card I says yeah he said how much you think the credit card was for I said I don't know
[01:11:56.600 --> 01:12:03.080]  $2,500 dollars he said no $8,000 he says and they issued it right on the spot I says what do you
[01:12:03.080 --> 01:12:11.880]  want me to tell you okay and this guy had had a lien against his bank account when I first met
[01:12:11.880 --> 01:12:19.560]  him didn't know how to get rid of the lien and was a $350 bill and they had a $3,500 lien against
[01:12:19.560 --> 01:12:26.080]  his bank account and seized his account married guy early 40s got little kids could pay the
[01:12:26.080 --> 01:12:32.760]  grocery bills to feed his kids Mike I want to ask your question because a lot of people are asking
[01:12:32.760 --> 01:12:41.480]  me this yeah in your opinion why are the judges knowing that the court system is so corrupt and
[01:12:41.480 --> 01:12:49.840]  these judges are so corrupt why are the judges actually following law in these situations why
[01:12:49.840 --> 01:12:58.400]  are they actually ruling according to law well here's a couple of things you know and and I
[01:12:58.400 --> 01:13:03.760]  always say we can talk about this on another telephone call but there's been accusations
[01:13:03.760 --> 01:13:11.120]  that say that these cases when the judge adjudicates them they get a percentage of what's recovered and
[01:13:11.120 --> 01:13:16.720]  it goes into their retirement account okay now I won't say any more on that but these are the
[01:13:16.720 --> 01:13:22.680]  stories I've heard and they've come from from some pretty reputable people who have told me this but
[01:13:22.680 --> 01:13:30.080]  I think what's happened with the current economy the way everything is going on right now the
[01:13:30.080 --> 01:13:36.640]  mortgages we've got judges that are saying produce the note prove to us what is this property and and
[01:13:36.640 --> 01:13:42.280]  I think the judges know they're under scrutiny and that we're in a serious situation here and they
[01:13:42.280 --> 01:13:50.000]  have to start adjudicating according to what's right and following the law so that's my personal
[01:13:50.000 --> 01:13:55.160]  opinion I think they're being watched I think there's a lot of state senators and and this is
[01:13:55.160 --> 01:14:00.800]  one of the things too when you go to federal court the pro se litigate the judges the courts
[01:14:00.800 --> 01:14:08.160]  have been instructed to give the pro se litigate a wide berth and to help them if necessary without
[01:14:08.160 --> 01:14:14.800]  giving them legal advice so that they can make their case and they're being watched and you have
[01:14:14.800 --> 01:14:20.880]  a course of action if you go into federal court and you feel you didn't get a fair shape write
[01:14:20.880 --> 01:14:27.480]  your state or federal congressmen and senators and let them know what's going on they will do an
[01:14:27.480 --> 01:14:35.040]  investigation and these judges don't want that to happen we're actually making a difference your
[01:14:35.040 --> 01:14:40.400]  question we're actually making a difference we're actually turning the tide the whole thing about
[01:14:40.400 --> 01:14:47.160]  the fact that the security guard that they're checking your purse is the most powerful person
[01:14:47.160 --> 01:14:53.600]  in that room just blew me away yeah that security guard is standing there going through your purse
[01:14:53.600 --> 01:14:59.280]  is the person that's supposed to arrest the county clerk and the judge and everybody else that that
[01:14:59.280 --> 01:15:07.480]  isn't obeying the law and to think that they they have made him look like they're just there to you
[01:15:07.480 --> 01:15:14.080]  know check you yeah blows me away I mean even that shows how seriously the court systems are
[01:15:14.080 --> 01:15:19.940]  covering their tracks yeah and when you go into the federal court so everyone knows this you will
[01:15:19.940 --> 01:15:24.800]  go through a metal detector you are not allowed to bring any you're not allowed to bring a cell
[01:15:24.800 --> 01:15:30.520]  phone in with a camera if you have one you'll leave it with the security guys they'll they'll
[01:15:30.520 --> 01:15:35.280]  put it in the proverbial plastic bag with your name on it and hold it for you until you leave
[01:15:35.280 --> 01:15:41.800]  I carry a little gentleman's pocket knife and I always try to remember to leave it in the car and
[01:15:41.800 --> 01:15:47.600]  sometimes I forget I got in my pockets one of these small pocket knives you know if I get there
[01:15:47.600 --> 01:15:52.080]  out she's everything they just take it they put it in the proverbial plastic bag you can have it sir
[01:15:52.080 --> 01:15:57.560]  on your way out no problem and they scan you and they check your shoes and all that and that's it
[01:15:57.560 --> 01:16:04.040]  I mean yeah I agree with you 100% both of the guys that have the power right there the court
[01:16:04.040 --> 01:16:09.200]  has no power until there's some some type of adjudication before them and if you think about
[01:16:09.200 --> 01:16:15.040]  it in a simple sense of the mind down the street from you as a local courtroom or a local courthouse
[01:16:15.040 --> 01:16:20.680]  that courthouse doesn't do anything until somebody brings something in in the form of a complaint
[01:16:20.680 --> 01:16:26.600]  and then the then the court can act other than that it's it's immobile it can't do anything
[01:16:26.600 --> 01:16:35.040]  okay so we have to bring the system to them we have to make sure that those complaints are going
[01:16:35.040 --> 01:16:40.000]  before the judges so that they can make rulings that will protect us in the long run exactly
[01:16:40.000 --> 01:16:45.400]  exactly and rulings to refer to that was one of the things I noticed mostly was that there
[01:16:45.400 --> 01:16:53.280]  were so many rulings to refer to on trial already that I had all kinds of ammunition once I just
[01:16:53.280 --> 01:16:58.360]  realized where to look for it well this gentleman I was talking to you about about thinking he got
[01:16:58.360 --> 01:17:04.640]  this Lowe's card I can remember when he called several years ago and he was literally in tears
[01:17:04.640 --> 01:17:08.960]  because they froze his bank account he doesn't make a lot of money works for a big corporation
[01:17:08.960 --> 01:17:17.120]  as a technician and and you know and you know he's really upset now he went back into the local
[01:17:17.120 --> 01:17:22.560]  court system on this thing on the basis that he wasn't served properly and sure enough one
[01:17:22.560 --> 01:17:27.680]  story short the judge kicked it out within a couple of weeks the judge kicked the the lean
[01:17:27.680 --> 01:17:34.680]  out that was against his his wages and he worked with me a little bit on it and when he went in
[01:17:34.680 --> 01:17:42.320]  I saw the judge the judge dismissed the case took the lean away and told him you've done a yeoman's
[01:17:42.320 --> 01:17:49.760]  job sir and yeoman is from the old English very old English means you're very competent you've
[01:17:49.760 --> 01:17:55.520]  done yeoman's job the guy was never in a courtroom before but he did a little studying I worked with
[01:17:55.520 --> 01:18:02.240]  him a little bit he learned some stuff and this is the stuff I love to hear I love to hear people
[01:18:02.240 --> 01:18:08.560]  going out and killing these guys go mark coming on here a month ago he's got a ton of violations
[01:18:08.560 --> 01:18:15.240]  racked up on this guy on these guys and he's ready to go he knows he's got him there's blood in the
[01:18:15.240 --> 01:18:21.200]  water yeah if he goes into that he goes into that federal court he's going to know what to do and
[01:18:21.200 --> 01:18:27.320]  they're going to stand there and they're going to the only defense they have here's their defense
[01:18:27.320 --> 01:18:36.320]  ladies and gentlemen here's their only defense you had this credit card you had this account you owe
[01:18:36.320 --> 01:18:44.240]  this money and the response is very simple so what so what and the lawyers will look at you and
[01:18:44.240 --> 01:18:49.320]  that's their only defense well you know for this credit card it's such a such a thing so what we
[01:18:49.320 --> 01:18:56.440]  are not in this courtroom over any alleged debt because we don't bring you any account into the
[01:18:56.440 --> 01:19:03.320]  credit read into the complaint okay what this is ladies and gentlemen is violations of your civil
[01:19:03.320 --> 01:19:08.960]  rights under the Fair Credit and the Debt Collection Practices Act your civil rights have been violated
[01:19:08.960 --> 01:19:14.480]  because they didn't follow the rules that's nothing to do with any alleged account or any
[01:19:14.480 --> 01:19:22.320]  alleged debt it's your civil rights that's in front of this court and I can assure you the federal
[01:19:22.320 --> 01:19:28.600]  courts understand civil rights violations we just celebrated Martin Luther King's birthday here
[01:19:28.600 --> 01:19:34.720]  about a week ago okay everybody in the country knew this man and what was he fighting for civil
[01:19:34.720 --> 01:19:41.400]  rights so they understand why you're in that courtroom and that's why I believe the cases don't
[01:19:41.400 --> 01:19:48.120]  get kicked out and my other personal opinion is that I think the judges and it's my personal
[01:19:48.120 --> 01:19:55.760]  opinion I can't prove this I think the judges like to see these big corporations squirm yeah
[01:19:55.760 --> 01:20:00.600]  what are you going to do now city bank what are you going to do now chase what are you going to
[01:20:00.600 --> 01:20:06.160]  do now Bank of America well I think if people are upset about what's going on for the last year
[01:20:06.160 --> 01:20:11.160]  with all of these bailouts and these companies that say there's too huge to fail and they're
[01:20:11.160 --> 01:20:16.240]  all based on false debt and there's people are starting to get mad enough that the courts know
[01:20:16.240 --> 01:20:21.400]  that if they don't do something you know if they don't go the way of the people then they're going
[01:20:21.400 --> 01:20:28.320]  to end up in a whole lot of headaches exactly exactly well here's here's what's going to happen
[01:20:28.320 --> 01:20:32.360]  my own personal opinion we get enough people doing this stuff they're going to have to change the
[01:20:32.360 --> 01:20:39.800]  laws and I think I a personal opinion I can't prove this this is just my opinion I think you're
[01:20:39.800 --> 01:20:45.480]  going to see the fair credit and the debt collection go from a thousand dollars per violation maybe up
[01:20:45.480 --> 01:20:52.760]  to five or ten thousand dollars per violation okay and really start hitting these guys because
[01:20:52.760 --> 01:20:58.120]  what's going to happen is so many of these cases are going to go into federal court the courts are
[01:20:58.120 --> 01:21:05.240]  going to become overwhelmed and by raising those violations up the banks and the lenders and all
[01:21:05.240 --> 01:21:09.880]  that is going to say wow you know if we don't resolve these problems with these people ourselves
[01:21:09.880 --> 01:21:15.420]  we're going to get sued and we're going to have to pay we're going to have a million dollar half a million dollar
[01:21:15.420 --> 01:21:22.880]  wants to see there you know it's funny Mike this is a little bit on the radical side there's something
[01:21:22.880 --> 01:21:30.400]  that I've been saying and thinking for years is that every single person needs to go into court
[01:21:30.400 --> 01:21:38.640]  and fight every single time you know if if they're not breaking the law and they get arrested or even
[01:21:38.640 --> 01:21:45.000]  when they do get arrested for breaking laws that are not accurate to today's time frame which should
[01:21:45.000 --> 01:21:50.080]  be settled by the jurors anyway I mean the fact that they don't even tell the jurors that they have
[01:21:50.080 --> 01:21:56.760]  the power to the law is not that they're supposed to find if the person has broken the law or not
[01:21:56.760 --> 01:22:04.640]  but they're supposed to find if the law is is current to today's time period if the person broke
[01:22:04.640 --> 01:22:10.360]  the law and had adequate reason and that's what the jurors are for and so many courts they just
[01:22:10.360 --> 01:22:15.520]  tell the jurors when they go in oh you have a right to find out if this person broke a law or not
[01:22:15.520 --> 01:22:23.280]  yeah the jury can actually inform the jury the juries can actually nullify the law if the jury
[01:22:23.280 --> 01:22:28.360]  finds that it's unconstitutional right but they have to know that they can nullify it most most
[01:22:28.360 --> 01:22:34.480]  jurors aren't informed so if people are getting a trial by jury they might want to know what the
[01:22:34.480 --> 01:22:43.440]  actual rights of the jurors are so that they can inform the jurors they're in court barring that
[01:22:43.440 --> 01:22:49.880]  ability to inform the jury and most judges nowadays will go apoplectic and throw you in
[01:22:49.880 --> 01:22:56.840]  jail for contempt for trying to inform them in court yeah really I didn't know that you could
[01:22:56.840 --> 01:23:05.240]  always pull a Wendy what we call it dress up in a suit and go stand on the sidewalk on the courthouse
[01:23:05.240 --> 01:23:14.480]  steps on the morning where they have a jury roll where they you know call the jury duty and everyone's
[01:23:14.480 --> 01:23:20.880]  waiting in line and just pass out packets of information to everyone and just act like you
[01:23:20.880 --> 01:23:27.120]  work for the court well and see I've heard of people getting arrested for that but I had not
[01:23:27.120 --> 01:23:32.880]  heard of him getting arrested for actually telling the juror what their rights were in court I didn't
[01:23:32.880 --> 01:23:37.680]  know that you could do they would do that they don't arrest you they throw you in jail for
[01:23:37.680 --> 01:23:46.080]  contempt there's a difference one's just a petty bureaucrat exercising his muscle oh gotcha gotcha
[01:23:46.080 --> 01:23:52.360]  huge difference in what you're thrown in jail for well court proceedings are a whole different
[01:23:52.360 --> 01:23:59.160]  ballgame but educating the public in general there's all kinds of ways I mean you can put
[01:23:59.160 --> 01:24:04.880]  the packets underneath the windshield wipers of all the cars in anywhere in the area you can stand
[01:24:04.880 --> 01:24:10.000]  out on the sidewalk and pass out the packets as people are walking in the court you can if you
[01:24:10.000 --> 01:24:16.440]  have the money you can publish notices in the paper you can do radio shows like what we're
[01:24:16.440 --> 01:24:25.520]  doing to educate people there's all kinds of ways yep well the biggest thing with doing this under
[01:24:25.520 --> 01:24:33.360]  fair credit debt collection is that you become the plaintiff and I cannot stress how much control
[01:24:33.360 --> 01:24:39.240]  you have over these cases the shoe is on the other foot as opposed to being a defendant in
[01:24:39.240 --> 01:24:46.560]  the local court when you become a plaintiff in the federal court you have so much power you have so
[01:24:46.560 --> 01:24:52.400]  much recourse I always chuckle go see these the guys are up against the defendant they can't go
[01:24:52.400 --> 01:25:00.240]  to the bathroom unless they ask you first you do not realize how much power you have that's something
[01:25:00.240 --> 01:25:06.720]  I've always heard with divorce cases and custody cases to you know there's people who are just I
[01:25:06.720 --> 01:25:11.120]  feel like they're under constant attacks or their husband's doing for this the husband's doing for
[01:25:11.120 --> 01:25:16.720]  that or keeping him and then you look at him and say well why haven't you sued them yeah because
[01:25:16.720 --> 01:25:21.080]  you know you can say anything you want to about the person who's suing you but they're not on
[01:25:21.080 --> 01:25:27.120]  trial it doesn't make any difference until you put them in a state of trial well let me give you an
[01:25:27.120 --> 01:25:34.000]  example with this thing when you go to federal court everything that it's very structured it's
[01:25:34.000 --> 01:25:38.760]  very orderly it's not like the local court when you go in there and you go in front of the judge
[01:25:38.760 --> 01:25:46.360]  say okay get back to me in ten days federal court you go in you prepare a business plan as I call
[01:25:46.360 --> 01:25:56.240]  it okay parties planning hearing I think it's called if I remember correctly and you will prepare
[01:25:56.240 --> 01:26:01.880]  this between the defendant's attorney and yourself the plaintiff and you're going to determine how
[01:26:01.880 --> 01:26:06.760]  many people you're going to be calling as witnesses and that can be an arbitrary number you could put
[01:26:06.760 --> 01:26:11.680]  20 down there and how many expert witnesses you plan to call you don't necessarily have to call
[01:26:11.680 --> 01:26:19.320]  them but you build this plan and it's a one or two page document how many interrogatory interrogatories
[01:26:19.320 --> 01:26:25.400]  for those of you to understand that word are these questions are you going to ask well in
[01:26:25.400 --> 01:26:29.360]  federal court you're allowed 30 questions so you want to take full advantage of that so I'm going
[01:26:29.360 --> 01:26:36.280]  to ask 30 questions and how many admissions and denials 30 okay and it's very simple and then
[01:26:36.280 --> 01:26:41.640]  the judge tells you when he ordered he or she orders you to go to that business plan oh by the
[01:26:41.640 --> 01:26:49.880]  way get that back to the court in 45 days this thing takes like about 20 minutes to prepare okay
[01:26:49.880 --> 01:26:58.960]  but here's what happens once the court orders that and both parties agree to the business plan the
[01:26:58.960 --> 01:27:05.360]  lawyer signs that you as the plaintiff signs it and you submit it to the court you now get to stir
[01:27:05.360 --> 01:27:13.240]  the pot okay because at that point you get to send out your first set of interrogatories and it's
[01:27:13.240 --> 01:27:20.720]  very simple they have 30 days to respond and if they don't respond you can go back to the court
[01:27:20.720 --> 01:27:26.360]  but I've done this I've moved the court for default judgment on the basis that the defendant
[01:27:26.360 --> 01:27:32.760]  does not act in good faith oh man oh man then you're having a three-way conversation what's
[01:27:32.760 --> 01:27:37.880]  the problem why aren't you answering these questions mr. defendant mr. lawyer mr. bank
[01:27:37.880 --> 01:27:45.920]  whatever you are okay but here's the killer when they schedule this trial once you put that business
[01:27:45.920 --> 01:27:51.400]  plan in and there might be a statement in there that says we we anticipate the trial for the last
[01:27:51.400 --> 01:27:58.480]  two days at that point the court will schedule a date for the trial and you're going to love this
[01:27:58.480 --> 01:28:05.280]  it'll be anywhere from six months to a year and a half out before the trial actually takes place
[01:28:05.280 --> 01:28:11.320]  I'll say that one more time anywhere from about six months to a year and a half out before the
[01:28:11.320 --> 01:28:18.520]  trial will take place but this is the whole part of this rule 26f this discovery part you're going
[01:28:18.520 --> 01:28:23.720]  to clear the mud you're going to get that order so crystal clear to show these guys what they did
[01:28:23.720 --> 01:28:29.240]  wrong they're going to come to the table and say you know we want to do a settlement agreement we
[01:28:29.240 --> 01:28:34.360]  don't want to go there what what is it that's going to take to make you go away because you're
[01:28:34.360 --> 01:28:39.320]  going to show them the laws they broke how they broke it you're going to be able to prove you sent
[01:28:39.320 --> 01:28:44.280]  them notices because you've done everything by certified mail it's right here in black and white
[01:28:44.280 --> 01:28:49.720]  you know did you mark my account in dispute I sent you this letter you didn't do it here's a copy of
[01:28:49.720 --> 01:28:55.640]  my credit report these are all the things that I tell you in the courses so that you're prepared
[01:28:55.640 --> 01:29:02.440]  for all this and and I always say it this way your paper trail is just going to be much superior to
[01:29:02.440 --> 01:29:06.680]  their paper trail and that's what's going to kill them because everything you're going to have is
[01:29:06.680 --> 01:29:13.360]  in black and white that's simple I had a tip for people going into the local court Mike I don't
[01:29:13.360 --> 01:29:18.440]  know if you're aware of this go ahead Randy did you get did you get that email I sent you for
[01:29:18.440 --> 01:29:28.120]  defense of collection cases yes I did that's that's like a gold mine of case law for color
[01:29:28.120 --> 01:29:35.800]  on cases excellent if you google defense of collection cases and then Edelman and Combs did
[01:29:35.800 --> 01:29:42.280]  I tell you that Michael oh I know them oh yeah okay well they've got like a whole packet on
[01:29:42.280 --> 01:29:47.440]  defense of collection cases in the local court and I just wanted to read one part here in case
[01:29:47.440 --> 01:29:53.840]  anybody's found themselves in the local courts lately the sale of accounts receivable is regulated
[01:29:53.840 --> 01:29:59.800]  by article 9 of the uniform commercial code then a certified or faxed letter requesting assignment
[01:29:59.800 --> 01:30:09.080]  or assignments necessary to show the title in plaintiff under UCC 9-4 0 6 8 10 ILCS 5 backslash
[01:30:09.080 --> 01:30:18.040]  9-4 0 6 the way the way 9-4 0 6 is written a debt buyer is not entitled to payment unless it provides
[01:30:18.040 --> 01:30:22.800]  a copy of the assignment wait about 10 days after receipt and then move to dismiss on the ground
[01:30:22.800 --> 01:30:27.640]  there is no obligation to pay and if they don't answer that either you have the right you have
[01:30:27.640 --> 01:30:33.840]  the right to dismiss it in a local court and there's also a $500 statutory fine too that you
[01:30:33.840 --> 01:30:38.480]  can add and you can either bring up into the federal court or you can come across with a
[01:30:38.480 --> 01:30:43.080]  counter-complaint I would imagine and that's for third party debt collectors I just wanted to get
[01:30:43.080 --> 01:30:49.120]  that out there and anybody's out there and they're stuck in and in the local courts Google defense
[01:30:49.120 --> 01:30:59.120]  of collection cases Edelman combs they've got a 44 page packet and it is a gold mine of appellate
[01:30:59.120 --> 01:31:04.640]  court cases and case law yeah and and and here's the thing this is what I was talking about before
[01:31:04.640 --> 01:31:12.600]  with willow about asking them to produce proof that they bought this alleged account and they
[01:31:12.600 --> 01:31:19.400]  don't want to go there because they also over 500 bucks right and the point is they don't want
[01:31:19.400 --> 01:31:25.360]  to go there because they bought this account for two or three cents on the dollar and and they
[01:31:25.360 --> 01:31:30.000]  paid twenty or a hundred dollars for this thing and they're trying to collect six thousand dollars
[01:31:30.000 --> 01:31:36.440]  that's fraud upon the court well Mike wait a minute technically they don't actually buy the
[01:31:36.440 --> 01:31:43.160]  account right they buy the information pertaining to the account is that correct oh they alleged
[01:31:43.160 --> 01:31:50.040]  they bought the account they'll alleged they bought the account so that's even worse yes ma'am yes ma'am
[01:31:50.040 --> 01:31:57.520]  you can't you cannot buy a debt if they invoke the creditors name okay you're invoking the
[01:31:57.520 --> 01:32:04.200]  creditors name proved us that you have a contract to represent them in this court of law okay they
[01:32:04.200 --> 01:32:09.320]  don't want to do that and then they come up with this phony amount of money and if they actually
[01:32:09.320 --> 01:32:15.440]  bought it because really I think my I know what they do is they they come in under their name and
[01:32:15.440 --> 01:32:22.080]  they invoke the bank's name or the lenders name to carry carry more weight in the case and they
[01:32:22.080 --> 01:32:27.000]  don't represent anybody they bought this thing and they're just using it as oh yeah well we bought
[01:32:27.000 --> 01:32:31.520]  it from city bank and that's why we're using their name and that we're going to say we represent
[01:32:31.520 --> 01:32:36.880]  them that's why you challenge them on these things and that's what mark is talking about under this
[01:32:36.880 --> 01:32:44.040]  UCC law make them prove Michael the beauty of this is all you have to do is send a letter to
[01:32:44.040 --> 01:32:47.720]  their office you don't even have to go to court so you can get it dismissed before you even see
[01:32:47.720 --> 01:32:55.760]  the trial Mike Mike can't you is isn't it possible to demand of the original creditor to show proof
[01:32:55.760 --> 01:33:02.400]  as to whether or not this third-party debt collector attorney whatever actually represents
[01:33:02.400 --> 01:33:08.000]  them or not well you're absolutely correct but you know what they're going to do you know how
[01:33:08.000 --> 01:33:12.120]  they're going to get out of it they're going to say we sold this to them you got to take it up
[01:33:12.120 --> 01:33:19.880]  with them we don't know anything about it isn't isn't the attorney involved don't they have to
[01:33:19.880 --> 01:33:25.880]  prove up their agency don't they have to prove up their representation I strongly agree with you
[01:33:25.880 --> 01:33:31.120]  100% and that's what we're talking about here's tell these guys they got you in that court tell
[01:33:31.120 --> 01:33:36.840]  the judge tell them to produce proof that they either bought this account or they represent
[01:33:36.840 --> 01:33:42.520]  the creditor wait a minute I don't see how the account is relevant this has to do with whether
[01:33:42.520 --> 01:33:50.400]  or not this attorney actually represents the credit card company or not can't we shouldn't
[01:33:50.400 --> 01:33:56.160]  we be able to subpoena somehow a demand of the original creditor as to whether or not this
[01:33:56.160 --> 01:34:01.520]  attorney actually represents them or not they should say in writing yes or no this attorney
[01:34:01.520 --> 01:34:06.200]  represents us or no this attorney does not represent us one way or the other the problem
[01:34:06.200 --> 01:34:11.600]  the problem is if the debt is under ten thousand dollars and it's in the local court most likely
[01:34:11.600 --> 01:34:16.200]  it's going to be in small claims and you can't get away with a lot of that stuff I mean it's
[01:34:16.200 --> 01:34:22.400]  just a small claims is a rate court you want to get out of there as quick as you can take it up
[01:34:22.400 --> 01:34:27.200]  to federal court yeah because they don't allow you to subpoena documents a lot of times in small
[01:34:27.200 --> 01:34:36.440]  claims court well let me run this one past your mark I had a everyone who's listening I had an
[01:34:36.440 --> 01:34:45.720]  attorney firm contact me from Washington DC last week and these guys do the foreclosure stuff they
[01:34:45.720 --> 01:34:51.440]  do modification of loans and they try to get people prevent them from losing their homes but
[01:34:51.440 --> 01:34:57.920]  the lawyer called me because he heard me on these phone calls and I won't say what he said about me
[01:34:57.920 --> 01:35:04.920]  it was very complimentary but anyhow he says I want to look up with you because I have people
[01:35:04.920 --> 01:35:12.520]  who lose their home or if I can get it back for them their credit is so messed up they can't do
[01:35:12.520 --> 01:35:20.480]  anything so he approached me and he asked me about this but he the point I'm getting at you talk
[01:35:20.480 --> 01:35:25.800]  about small claims court he brought out a very good point to me like I said I don't know everything
[01:35:25.800 --> 01:35:32.480]  I'm pretty good but I don't know everything he brought out a very interesting point are you aware
[01:35:32.480 --> 01:35:42.440]  of the fact that in some states they don't allow attorneys in small claims court well it's true
[01:35:42.440 --> 01:35:49.280]  yeah okay well some states attorneys are not allowed in small claims court I'm in New Mexico
[01:35:49.280 --> 01:35:58.320]  small claims court here is ten thousand or under okay and here's the idea he gave me he says why
[01:35:58.320 --> 01:36:06.760]  don't you take them in under the federal rules on these small claims these 5,000 2,000 credit
[01:36:06.760 --> 01:36:16.160]  cards okay sue them in small claims for $9,999.99 under the rules under the violations of the Fair
[01:36:16.160 --> 01:36:22.080]  Credit Reporting Act the Debt Collection Practices Act they can't send an attorney in there so who
[01:36:22.080 --> 01:36:27.000]  are they going to send in there and he says I'm willing to bet they don't even respond you get
[01:36:27.000 --> 01:36:34.040]  default judgment on them and then set that default judgment to the credit bureau and see how fast the
[01:36:34.040 --> 01:36:42.240]  credit bureau will take that off your credit report so now you're going into court and there's
[01:36:42.240 --> 01:36:49.880]  no legal dog there to come up against you they may send somebody if they have a branch office in
[01:36:49.880 --> 01:36:56.280]  the state you're in they may send somebody there who's a bank manager or credit report manager
[01:36:56.280 --> 01:37:02.520]  or something like that to try but I can assure you it's going to be a lot easier going up against
[01:37:02.520 --> 01:37:10.560]  that person than a trained attorney so there's some food for thought for you Mark think about
[01:37:10.560 --> 01:37:19.840]  that one buddy that that sounds good but the lower courses the lower courts and the local
[01:37:19.840 --> 01:37:26.000]  courts in small claims they have they have a wide range of what they can allow and not allow and I
[01:37:26.000 --> 01:37:32.000]  just don't trust those guys Mike yeah yeah I hear you I hear you I hear you well because they you
[01:37:32.000 --> 01:37:39.800]  know a small claims court is actually more of a tribunal or an arbitration and they just have
[01:37:39.800 --> 01:37:46.040]  they have wide powers there so yeah my suggestion is is kick their butts before you get to trial
[01:37:46.040 --> 01:37:51.920]  and drag it up to federal court and that's all I got hey thanks a lot you guys are great have a
[01:37:51.920 --> 01:37:58.160]  good thanks thanks Mark okay all right Mark thank you okay I have a question here good all right I
[01:37:58.160 --> 01:38:06.920]  want to know somebody tell me statute case law whatever there has got to be a way that we can
[01:38:06.920 --> 01:38:14.080]  demand of these attorneys to prove up documents notarized documents I want to see the power of
[01:38:14.080 --> 01:38:22.000]  attorney I want to see something to prove that these that what they're saying is true that they
[01:38:22.000 --> 01:38:28.000]  are actually an attorney that represents the principle I mean isn't there something somewhere
[01:38:28.000 --> 01:38:33.960]  I mean I don't know if it's subpoena or if it's discovery I mean it's ridiculous it's ridiculous
[01:38:33.960 --> 01:38:41.080]  to think it's a preposterous thought it cannot be the fact that attorneys can just walk in and
[01:38:41.080 --> 01:38:49.600]  just falsely claim that they represent anybody and not be held accountable to prove in court
[01:38:49.600 --> 01:38:55.120]  with notarized documents to the fact that they actually are an attorney representing the principles
[01:38:55.120 --> 01:39:01.280]  so to me it's not an issue of small claims or whatever I don't care what the amount is I want
[01:39:01.280 --> 01:39:05.880]  to go after this attorney prove it up do you really represent the principle or not I don't
[01:39:05.880 --> 01:39:11.160]  care who I have to subpoena okay one of the things that I thought was really interesting in my case
[01:39:11.160 --> 01:39:18.880]  is jurisdiction was that I started looking for how they were able to claim that they were a law
[01:39:18.880 --> 01:39:26.160]  firm because the company man Bracken was saying that they're a law firm and what I found was
[01:39:26.160 --> 01:39:32.360]  that anything and there's a Texas law unfortunately I can't get into my computer right now to tell
[01:39:32.360 --> 01:39:38.600]  you what it is but there and you probably know Mike there's a Texas law basically this just says
[01:39:38.600 --> 01:39:49.200]  that anybody who hires a third party any company that hires somebody else like if they have phone
[01:39:49.200 --> 01:39:55.760]  people if they have people that they hire that come out to your house to deliver stuff and
[01:39:55.760 --> 01:40:02.520]  they're they're they're hiring this company to pursue you then they are considered collections
[01:40:02.520 --> 01:40:09.160]  even if they do have the sign attorney what they do is they buy out companies that are attorneys
[01:40:09.160 --> 01:40:14.480]  they buy out these law firms well nobody in the law firm still works there but they still have
[01:40:14.480 --> 01:40:22.400]  the attorney Sigma on the name of the business but they're going to represent themselves in anything
[01:40:22.400 --> 01:40:31.200]  they're going to say LLP yeah and LL one of the collection agency and one is a practitioner yeah
[01:40:31.200 --> 01:40:37.880]  so none of them are lawyers anybody who's got a phone service that calls you and says you owe us
[01:40:37.880 --> 01:40:43.760]  money we need to is not a lawyer by Texas law they're not considered a lawyer they're considered
[01:40:43.760 --> 01:40:51.120]  a collector if you are if you are called by the lawyer themselves and that lawyer can give you
[01:40:51.120 --> 01:40:56.840]  proof by giving you their social security number I love that that there's all those questions you
[01:40:56.840 --> 01:41:02.040]  asked are so right because they have to answer those questions and they have to prove that they
[01:41:02.040 --> 01:41:07.520]  are the lawyer that is after you if it's any third-party person is calling you they are not
[01:41:07.520 --> 01:41:11.680]  a lawyer their collection agency and all you have to do is say you were called by a third party
[01:41:11.680 --> 01:41:18.960]  exactly and and to get back to Deborah about what she's asking there is a way to make them do it
[01:41:18.960 --> 01:41:23.720]  Deborah once you're in the system in the court system even if you're a defendant you can make
[01:41:23.720 --> 01:41:31.920]  a motion to the court in writing motion the court or motion the the court to have them produce the
[01:41:31.920 --> 01:41:37.480]  document if they are doing it so we're not going to do that to show that they actually are a law
[01:41:37.480 --> 01:41:44.160]  firm or that they actually represent the creditor then you can do a motion to compel which then the
[01:41:44.160 --> 01:41:51.200]  court has to order them to do that and if they don't they're in they're in default now in Texas
[01:41:51.200 --> 01:42:00.520]  it's a rule 12 motion yeah if you're in the local court okay doing this okay and and push comes to
[01:42:00.520 --> 01:42:06.240]  shove I think what's going to happen unless it's a million dollar account all of a sudden these
[01:42:06.240 --> 01:42:11.960]  guys are going to say we're going to move to dismiss the case they don't want to go there wait why does
[01:42:11.960 --> 01:42:20.520]  it why does the court why does the court have to grant the motion to compel well that's a good
[01:42:20.520 --> 01:42:27.320]  question they don't it goes to subject matter jurisdiction yeah if these people don't have
[01:42:27.320 --> 01:42:32.840]  authority to stand before the court you're unable to invoke the subject matter jurisdiction of the
[01:42:32.840 --> 01:42:39.240]  court oh okay so you're undermining the jurisdiction the very jurisdiction of the court by challenging
[01:42:39.240 --> 01:42:44.920]  the representation of these so-called attorneys see that's what I was trying to say that's what
[01:42:44.920 --> 01:42:53.440]  I did yep yep exactly exactly and and this is the things just a little knowledge okay but you you
[01:42:53.440 --> 01:42:59.160]  become the peripheral pain in the butt by doing this stuff they now have to answer questions they
[01:42:59.160 --> 01:43:07.560]  never had to answer before or don't want to answer and you know what the judges are not going to want
[01:43:07.560 --> 01:43:14.960]  to be left holding the bag so you know what this is the answer to the question that we have been
[01:43:14.960 --> 01:43:21.800]  discussing for the last two hours even if they have no morals even if they don't want to do the
[01:43:21.800 --> 01:43:28.080]  right thing ultimately it's not going to matter if they get paid off or not they're not going to
[01:43:28.080 --> 01:43:33.960]  want to be left holding the bag so they're going to have to do the right thing yeah in in Texas
[01:43:33.960 --> 01:43:40.800]  here we had a guy came to me with a situation where he was sued by credit card company and there
[01:43:40.800 --> 01:43:48.680]  was no verification of the debt and it's required by rule 92 mm-hmm so I maintained that the that
[01:43:48.680 --> 01:43:55.240]  the filing was insufficient to invoke the subject matter jurisdiction of the court and cross-complained
[01:43:55.240 --> 01:44:12.280]  against the judge that was a hoot and that's what happens when you file these motions and put them
[01:44:12.280 --> 01:44:18.560]  in paper it's got to go on the record okay and you know if push comes to shove and it's got to go
[01:44:18.560 --> 01:44:22.440]  up to appeal this stuff is going to be on the record and somebody is going to look at it say
[01:44:22.440 --> 01:44:28.200]  well wait a minute you know why didn't the judge make them show their contract with the creditor
[01:44:28.200 --> 01:44:34.840]  that says they actually represent them why you know I don't want to rub anybody the wrong way
[01:44:34.840 --> 01:44:40.760]  okay because I know this is a sensitive subject I'm going to stay but with our current president
[01:44:40.760 --> 01:44:47.800]  you know produce the birth certificate okay we've heard about all this and personally I mean if my
[01:44:47.800 --> 01:44:53.880]  I'm sitting in my office at home here and and my birth certificate is about four foot away from me
[01:44:53.880 --> 01:45:00.040]  with a raised heel from the state I was born in and all that stuff why not just produce and stop
[01:45:00.040 --> 01:45:07.040]  all the nonsense my understanding is that he has it online that it's been produced is there everybody's
[01:45:07.040 --> 01:45:20.240]  seen it okay yeah and that the original the original it's got the information from the
[01:45:20.240 --> 01:45:28.680]  newspaper the week he was born as well okay so then why wouldn't this lawyer produce his contract
[01:45:28.680 --> 01:45:34.240]  to show that he represents this particular creditor why would they do that that's that's
[01:45:34.240 --> 01:45:40.080]  the point I'm trying to make okay okay just produce and stop the nonsense once you produce
[01:45:40.080 --> 01:45:45.120]  it I'm done I can't go any further but when you don't want to produce proof that you are actually
[01:45:45.120 --> 01:45:51.640]  representing this creditor because you're really not you're just invoking their name then they're
[01:45:51.640 --> 01:45:57.120]  going to balk and fight and when you get that back say no we refuse to do that that's company
[01:45:57.120 --> 01:46:04.760]  proprietary information they do that in the federal cases when you ask them this question please
[01:46:04.760 --> 01:46:15.440]  explain how you prevent your electronic filing system from making errors what system is in place
[01:46:15.440 --> 01:46:22.000]  and all that they'll come back so that's irrelevant it's a burdensome and if company proprietary okay
[01:46:22.000 --> 01:46:28.280]  no problem I'll just do a motion to compel and then it goes to the judge and then the judge
[01:46:28.280 --> 01:46:33.640]  orders them and then they say oh my god we got a giveaway company if we got explained how the
[01:46:33.640 --> 01:46:42.960]  security on our electronic credit reporting system works yeah right okay that's when all of a sudden
[01:46:42.960 --> 01:46:48.440]  can we can we work something out can we make a plan here do something to work this out so we
[01:46:48.440 --> 01:46:56.720]  don't have to go any further but you need to know the questions they ask them I agree you have to
[01:46:56.720 --> 01:47:03.920]  know the right questions to ask them and speaking of the birth certificate issue in Obama it's my
[01:47:03.920 --> 01:47:12.040]  understanding concerning what the definition of natural born citizen was at the time it was not
[01:47:12.040 --> 01:47:21.120]  whether or not the human was actually physically born on the soil of this continent but whether
[01:47:21.120 --> 01:47:33.200]  or not both parents yeah were and it is on the record that neither one of the parents were so
[01:47:33.200 --> 01:47:38.720]  in the story don't even need the birth certificate right that's all other show but I just brought
[01:47:38.720 --> 01:47:44.760]  that up as an example so so show this show the contract that says you represent these guys what's
[01:47:44.760 --> 01:47:52.080]  the problem what are you trying to hide my understanding was that his mother is the niece
[01:47:52.080 --> 01:48:00.000]  of Cheney and that that's a bloodline there and his mother is an American citizen she's a
[01:48:00.000 --> 01:48:04.320]  white American citizen and it doesn't matter whether the father is an American citizen or
[01:48:04.320 --> 01:48:11.520]  not well it goes to what the definition of natural born at the time I mean it's a minute
[01:48:11.520 --> 01:48:18.680]  point as far as I'm concerned but you know no in fact if you are born in the United States you
[01:48:18.680 --> 01:48:24.120]  are a natural born citizen doesn't matter what your parents are right that's true today but it
[01:48:24.120 --> 01:48:29.240]  wasn't at the time that's the point I was trying to make right at the time the law changed immigration
[01:48:29.240 --> 01:48:37.040]  laws in the 70s and that kind of thing well listen wait a minute hold on before we get off on the
[01:48:37.040 --> 01:48:42.600]  sidetrack right I wanted to ask I wanted to ask Willow a question and actually this is the
[01:48:42.600 --> 01:48:49.400]  question for all you guys as well but I want I would like Willow to respond first what happened
[01:48:49.400 --> 01:48:57.080]  in your life or was there an event or has it always been this way where you made a change or
[01:48:57.080 --> 01:49:03.760]  was there a change from being on the defense concerning the system or the credit card issue
[01:49:03.760 --> 01:49:12.160]  or whatever was to where you made a first a firm stand and said no I'm on the offense I'm going
[01:49:12.160 --> 01:49:17.320]  after these guys I'm not going to be afraid anymore was there a change and if so what was
[01:49:17.320 --> 01:49:23.360]  that and where my first chain my first time of dealing with that was when I had a police officer
[01:49:23.360 --> 01:49:29.240]  that was in my neighborhood for a year and a half that was harassing me and during one year I got
[01:49:29.240 --> 01:49:36.200]  stopped and searched I got stopped 11 times and searched nine times and ticketed for four or five
[01:49:36.200 --> 01:49:42.120]  things this is what I'm still fighting now what I've got to go to court for next week is the tickets
[01:49:42.120 --> 01:49:47.960]  and things that I got from this police officer and I have not gone after him but that's when
[01:49:47.960 --> 01:49:54.240]  I started fighting for my rights in court and doing community service instead of giving me my giving
[01:49:54.240 --> 01:49:59.960]  the system money every time they ticket me for false accusations and harassed me and put me
[01:49:59.960 --> 01:50:07.960]  over on the side of the road and take my car and impound it and so I started suing back in regards
[01:50:07.960 --> 01:50:14.200]  to that years ago I started to sue back I started fighting for my rights in court and asking for
[01:50:14.200 --> 01:50:20.600]  jury trials and fighting each ticket one ticket at a time and so that's where the beginning of
[01:50:20.600 --> 01:50:28.240]  my empowerment in the court systems came because I managed to take a $27,000 debt due to the fact
[01:50:28.240 --> 01:50:36.520]  that I couldn't keep up with all of the court cases and and and that kind of thing when I first
[01:50:36.520 --> 01:50:41.520]  started getting tickets the tickets just rolled in and I was looking at several thousand dollars
[01:50:41.520 --> 01:50:47.120]  worth of tickets sure I couldn't pay that I let go into warrant before I got this book called how
[01:50:47.120 --> 01:50:54.600]  to beat the cops yep and that book got me started and then I met Neil who you guys have mentioned
[01:50:54.600 --> 01:50:59.840]  several times yes he's the host on this show I first started dealing with the fact that these debt
[01:50:59.840 --> 01:51:05.920]  collectors kept coming back year after year I met Neil but I didn't go for as far as to actually
[01:51:05.920 --> 01:51:12.400]  buy the packet I just talked to him about it and I was able to get them to stop calling me and so
[01:51:12.400 --> 01:51:20.000]  I quit pursuing it but it wasn't until this time when I bought the packet that I really started
[01:51:20.000 --> 01:51:25.680]  feeling empowered knowing what the exact laws are what my rights are and then I had to get this off
[01:51:25.680 --> 01:51:30.760]  of my credit report because it was going to keep coming back even though I fought it once or twice
[01:51:30.760 --> 01:51:40.840]  until I get it off of my credit report it's going to keep coming back and so really you know I was
[01:51:40.840 --> 01:51:47.920]  empowered the day this lady walked up on my front porch I live seven yeah I live 40 miles from Austin
[01:51:47.920 --> 01:51:54.760]  and seven miles from the nearest town and I used to keep my gate locked and that morning I forgot to
[01:51:54.760 --> 01:52:04.280]  lock my gate and this woman walked up in my yard on my front porch and handed me a lawsuit from this
[01:52:04.280 --> 01:52:11.000]  company that was the moment I was empowered I was like I cannot believe you have the gall I live in
[01:52:11.000 --> 01:52:16.680]  the country I keep my gate locked because I have a right to my privacy and nobody has a right to
[01:52:16.680 --> 01:52:25.080]  cross my gate my private property and this woman you know walked down my driveway I don't remember
[01:52:25.080 --> 01:52:29.680]  whether my gate was open or not but it was open when I looked down there to see if it was open
[01:52:29.680 --> 01:52:36.280]  and so I got empowered when I had when she made me sign that document that I was being sued by
[01:52:36.280 --> 01:52:42.760]  this company that I knew was fraudulent and you guys helping me to get that I got the packet the
[01:52:42.760 --> 01:52:50.080]  next day and I've been studying it since then and I feel like I could I feel like I can help a lot
[01:52:50.080 --> 01:52:56.040]  of people with this information and you know I want to refer them back to you because you have
[01:52:56.040 --> 01:53:06.520]  a concise plan and program and you offer support exactly and you know I don't want to be people's
[01:53:06.520 --> 01:53:18.120]  support systems back to you but still yeah there's so much I can do and you know and I've
[01:53:18.120 --> 01:53:22.920]  often said on these phone calls I'm not an attorney I'm not giving legal advice just from
[01:53:22.920 --> 01:53:27.520]  my experience what I've been through personally and what I've helped other people with and what
[01:53:27.520 --> 01:53:32.840]  I've learned from them the point is you are the spearhead of this thing you're the one that's
[01:53:32.840 --> 01:53:37.400]  going to go in there to do it I just want to make sure you got all your t's crossed and your eyes
[01:53:37.400 --> 01:53:43.640]  dotted so when you get in there there's a 99% chance you're going to win and today you know
[01:53:43.640 --> 01:53:49.160]  there's been people on these calls that I've helped who've come on here you know willow is
[01:53:49.160 --> 01:53:55.040]  another example it's not what I normally do in the local court but I'm good I told her I said you
[01:53:55.040 --> 01:53:59.080]  know this is what you got to try and see where it goes and sure enough it went in the right
[01:53:59.080 --> 01:54:03.640]  direction and other people who have been in federal court have been on these phone calls
[01:54:03.640 --> 01:54:11.840]  okay and then told about what's happened and how they won and you know if it ain't broke and it
[01:54:11.840 --> 01:54:18.400]  works don't try and fix it and that's what I have developed and I've passed this on to people and
[01:54:18.400 --> 01:54:22.800]  they're just expanding on it that's all they're doing but they're doing it yeah they'll come back
[01:54:22.800 --> 01:54:28.560]  to me once in a while for a little advice or you know review my complaint or I got this back what
[01:54:28.560 --> 01:54:32.840]  do you think I should do you know it takes me five minutes sometimes to answer a question and
[01:54:32.840 --> 01:54:37.040]  the lights come out of the people and I don't hear from them for like four or five months and oh
[01:54:37.040 --> 01:54:42.440]  just want to let you know we settled the case and I got X amount of dollars from these guys and
[01:54:42.440 --> 01:54:49.360]  they're going to do everything I'm telling them to do case close done deal Mike we appreciate you
[01:54:49.360 --> 01:54:55.960]  know your experience and your support and you know I appreciate I appreciate like willow stepping
[01:54:55.960 --> 01:55:02.280]  up to the plate taking responsibility not totally relying on other people do something for her you
[01:55:02.280 --> 01:55:08.400]  know she she bought a package she learned it she studied it she read it she did what she needed to
[01:55:08.400 --> 01:55:13.520]  do and Mike you offer the support because a lot of people there's a lot of people out there who
[01:55:13.520 --> 01:55:17.800]  just okay they're gonna charge by the minute or they're gonna charge by the hour you know but you
[01:55:17.800 --> 01:55:23.880]  don't do that you know you'll take the phone calls and right and the point is the time that
[01:55:23.880 --> 01:55:32.100]  willow and I spoke on the phone I don't think was more than about a half hour and and and I sent her
[01:55:32.100 --> 01:55:37.280]  one email I think I think that's all I did so you know that was like under an hour I do do
[01:55:37.280 --> 01:55:44.040]  consultations and I do charge for consultations but this is the stepping the first part people
[01:55:44.040 --> 01:55:49.160]  are going to have some minor questions I'm going to walk them through but I instruct them in my
[01:55:49.160 --> 01:55:56.300]  courses that are available that when you get to 26 F if this goes in the federal court and the
[01:55:56.300 --> 01:56:02.680]  judge moves the case the trial and it goes to 26 F and you start need to do the discovery by the
[01:56:02.680 --> 01:56:08.720]  way is what that what that's called the 26 F that's when you want to get in touch with me okay I've
[01:56:08.720 --> 01:56:16.160]  got all the interrogatories to ask them believe me they won't like them not nasty or mouthy it's
[01:56:16.160 --> 01:56:21.440]  just fact produce this stuff because they're going to they're going to hit you with interrogatories
[01:56:21.440 --> 01:56:26.640]  you're gonna come back to me how do I answer this well once you learn this stuff you learn
[01:56:26.640 --> 01:56:36.040]  unique answers that from these lawyers and the unique answers are irrelevant and burdensome
[01:56:36.040 --> 01:56:45.240]  remember that irrelevant and burdensome nefarious and that's when they ask you for two things at
[01:56:45.240 --> 01:56:55.120]  once and records the other side has equal access to yeah and and then but the power you have is
[01:56:55.120 --> 01:57:00.320]  that if you really need an answer like if you ask them a question such as the interrogatories
[01:57:00.320 --> 01:57:10.560]  I the plaintiff set the creditor whatever certified letter disputing this account on such and such a
[01:57:10.560 --> 01:57:18.320]  date answer yes or no I did or you didn't you just get you know and you you know they've got an
[01:57:18.320 --> 01:57:22.880]  answer and if you've got a certified mailing proving that they got it and they signed for it
[01:57:22.880 --> 01:57:28.320]  there's only one answer they can come back and then the next question is is okay you got that
[01:57:28.320 --> 01:57:37.120]  letter on such and such a date did you mark the point how did you and that's a killer ultimately
[01:57:37.120 --> 01:57:42.400]  they're gonna have to answer because if you push the point and you chase it down eventually it's
[01:57:42.400 --> 01:57:47.320]  gonna lead to the fact that it will undermine and challenge the very jurisdiction of the court
[01:57:47.320 --> 01:57:55.480]  itself if the judge does not force them to answer and that's why we have the power yeah I'm totally
[01:57:55.480 --> 01:58:00.600]  convinced and that's why it works the system you know what I'm gonna tell you something the system
[01:58:00.600 --> 01:58:06.520]  does work I don't agree with people that say the system is broken the system is not broken our
[01:58:06.520 --> 01:58:13.360]  forefathers set up a very good system okay the reason that things are falling apart right now
[01:58:13.360 --> 01:58:20.240]  is because we are not making it work we're not making them follow the rules all right we have
[01:58:20.240 --> 01:58:25.520]  to make them follow rules we don't need to destroy the Constitution and throw out of the law the law
[01:58:25.520 --> 01:58:31.480]  is a good law we just have to make them follow law yeah agree all right listen we're going to
[01:58:31.480 --> 01:58:37.600]  break top of the hour we've got Sam from Georgia Brian from Pennsylvania Justin from Texas we're
[01:58:37.600 --> 01:58:44.120]  going to go to your calls on the other side Willow Mike welcome to sound line yeah excellent show
[01:58:44.120 --> 01:59:01.920]  love you guys we will be back in just a few minutes our right to bear arms is under attack
[01:59:01.920 --> 01:59:07.920]  here in Austin police chief Acevedo and his goons need to know we will not allow them to
[01:59:07.920 --> 01:59:14.600]  strong-arm private businesses gun show promoters and vendors run corrupt sting operations to
[01:59:14.600 --> 01:59:21.040]  intimidate legal gun sellers and cut off public access to purchasing firearms in Austin City
[01:59:21.040 --> 01:59:26.640]  Council needs to hold him accountable this is it people it is starting and we the people are the
[01:59:26.640 --> 01:59:31.640]  only ones who are going to do anything about it if you don't live in Austin and don't help us stop
[01:59:31.640 --> 01:59:38.120]  this year believe it when we say it's coming to attack the city near you Monday January 25th from
[01:59:38.120 --> 01:59:46.040]  5 to 7 p.m. in front of the Austin Police Department show up 715 East 8th Street come early park down
[01:59:46.040 --> 01:59:51.960]  the street and walk where your gun holsters on your hip and shoulder but instead of a weapon put
[01:59:51.960 --> 01:59:57.720]  the Constitution in it bring your friends your voice and your sign City Council needs to hold
[01:59:57.720 --> 02:00:02.720]  him accountable