[00:00.000 --> 00:07.000]  When a cat gets stuck in a tree, you get out the ladder.
[00:07.000 --> 00:10.000]  But what do you do if the critter is a drunken moose?
[00:10.000 --> 00:12.000]  I'm Dr. Catherine Albrecht.
[00:12.000 --> 00:15.000]  Back to tell you how one man handled that bizarre dilemma.
[00:15.000 --> 00:16.000]  Next.
[00:16.000 --> 00:18.000]  Privacy is under attack.
[00:18.000 --> 00:21.000]  When you give up data about yourself, you'll never get it back again.
[00:21.000 --> 00:26.000]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[00:26.000 --> 00:28.000]  So protect your rights.
[00:28.000 --> 00:32.000]  Say no to surveillance and keep your information to yourself.
[00:32.000 --> 00:33.000]  Privacy.
[00:33.000 --> 00:35.000]  It's worth hanging on to.
[00:35.000 --> 00:38.000]  This message is brought to you by StartPage.com.
[00:38.000 --> 00:42.000]  The private search engine alternative to Google, Yahoo, and Bing.
[00:42.000 --> 00:45.000]  Start over with StartPage.
[00:45.000 --> 00:49.000]  Here's a tale of a sweet, an apple tree, and a moose.
[00:49.000 --> 00:52.000]  It begins with Per Johansen of Saro, Sweden,
[00:52.000 --> 00:55.000]  who heard a roar one night from his neighbor's yard.
[00:55.000 --> 00:58.000]  A neighbor on vacation, Johansen crept next door,
[00:58.000 --> 01:02.000]  where he spied a full-grown moose dangling from the branches of an apple tree,
[01:02.000 --> 01:05.000]  apparently tipsy on fermented apples.
[01:05.000 --> 01:09.000]  So what do you do when you see bullwinkle drunk as a skunk in your neighbor's tree?
[01:09.000 --> 01:11.000]  Johansen got a buzz saw.
[01:11.000 --> 01:16.000]  Not to harm the critter, but just to cut enough branches till the moose came crashing down.
[01:16.000 --> 01:18.000]  We still don't know how he got up there.
[01:18.000 --> 01:20.000]  I'll leave that to your imagination.
[01:20.000 --> 01:25.000]  I'm Dr. Catherine Albrecht for StartPage.com, the world's most private search engine.
[01:32.000 --> 01:36.000]  Imagine a website that recorded everything its users read while signed in,
[01:36.000 --> 01:39.000]  and then published that data for the whole world to see.
[01:39.000 --> 01:45.000]  I'm Dr. Catherine Albrecht, and I'll tell you about a Q&A forum that's a privacy nightmare next.
[01:46.000 --> 01:48.000]  Privacy is under attack.
[01:48.000 --> 01:52.000]  When you give up data about yourself, you'll never get it back again.
[01:52.000 --> 01:56.000]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[01:56.000 --> 01:58.000]  So protect your rights.
[01:58.000 --> 02:02.000]  Say no to surveillance and keep your information to yourself.
[02:02.000 --> 02:04.000]  Privacy, it's worth hanging on to.
[02:04.000 --> 02:07.000]  This message is brought to you by StartPage.com,
[02:07.000 --> 02:11.000]  the private search engine alternative to Google, Yahoo, and Bing.
[02:11.000 --> 02:14.000]  Start over with StartPage.
[02:14.000 --> 02:18.000]  What's the hottest new website you've probably never heard of?
[02:18.000 --> 02:21.000]  Okay, well, that's a loaded question, so here's the answer.
[02:21.000 --> 02:26.000]  It's Quora, a high-tech question forum that's the rage of Silicon Valley insiders.
[02:26.000 --> 02:31.000]  Named as a potential multi-billion dollar startup by the New York Times.
[02:31.000 --> 02:34.000]  It's visited by nearly a quarter million people a month.
[02:34.000 --> 02:37.000]  But for all that, Quora has some serious flaws.
[02:37.000 --> 02:40.000]  For one, it requires you to register with your real name.
[02:40.000 --> 02:45.000]  Then it records everything you read and it lists those topics in your profile.
[02:45.000 --> 02:50.000]  Finally, Quora shares your reading history with the world without any warning.
[02:50.000 --> 02:53.000]  In my book, that's privacy invasion without question.
[02:53.000 --> 03:11.000]  And Dr. Catherine Albrecht for StartPage.com, the world's most private search engine.
[03:24.000 --> 03:29.000]  I accepted for value right away.
[03:29.000 --> 03:35.000]  Not later, we are originators.
[03:35.000 --> 03:40.000]  And the time will seem to get straighter every day.
[03:40.000 --> 03:47.000]  And I can take anything that belongs to me and put it to good use.
[03:47.000 --> 03:55.000]  But I was good for the gender, don't know what to do.
[03:55.000 --> 04:02.000]  I know some heart attacks, I know some energy.
[04:02.000 --> 04:09.000]  They see the evidence, they know it certainly seems queer.
[04:09.000 --> 04:16.000]  And whilst I was a blatant deception, what is the nature of what you might gain?
[04:16.000 --> 04:19.000]  I see something headed straight from you.
[04:19.000 --> 04:21.000]  I think it looks just like you.
[04:21.000 --> 04:22.000]  Okay, so you are back.
[04:22.000 --> 04:23.000]  Your name is Calvin Decker.
[04:23.000 --> 04:24.000]  Your name is David Craig.
[04:24.000 --> 04:25.000]  And you go radio.
[04:25.000 --> 04:27.000]  And we're going to open the phones.
[04:27.000 --> 04:32.000]  We're going to Chris in Texas.
[04:32.000 --> 04:33.000]  Hey, Randy.
[04:33.000 --> 04:36.000]  Chris, what do you have for us tonight?
[04:36.000 --> 04:41.000]  Well, you wanted me to call back tonight because we got cut short last night when I was telling you
[04:41.000 --> 04:54.000]  about having access to the old print notes that come out of the different lenders.
[04:54.000 --> 04:56.000]  Oh, as a notary.
[04:56.000 --> 04:59.000]  Yes, as a notary.
[04:59.000 --> 05:03.000]  Yeah, that's the part I was interested in.
[05:03.000 --> 05:06.000]  The notary part.
[05:06.000 --> 05:07.000]  Okay.
[05:07.000 --> 05:17.000]  So we have, we've been looking at documents and taking them apart piece by piece.
[05:17.000 --> 05:19.000]  And that's what I was talking about earlier.
[05:19.000 --> 05:25.000]  The deed of trust is how we're analyzing the deed of trust in fine detail.
[05:25.000 --> 05:33.000]  And we're not only analyzing the deed of trust, we're analyzing all the associated documents
[05:33.000 --> 05:40.000]  and documents, all the associated parts of all the documents.
[05:40.000 --> 05:41.000]  Right.
[05:41.000 --> 05:48.000]  And one of the things we primarily are looking at are the curats.
[05:48.000 --> 05:51.000]  And we're finding a heck of a mess in them.
[05:51.000 --> 06:01.000]  And I mentioned last night that the one that I like the most is always the one who validated
[06:01.000 --> 06:05.000]  the deed of trust at closing.
[06:05.000 --> 06:14.000]  We're going to send that person a demand for their sequential ledger.
[06:14.000 --> 06:16.000]  And they're going to have it.
[06:16.000 --> 06:23.000]  They're going to have it because they were actually there and actually did the verification of the
[06:23.000 --> 06:31.000]  affirmant signer.
[06:31.000 --> 06:32.000]  And they'll have it, they'll send it to us.
[06:32.000 --> 06:34.000]  And then we can use that as a benchmark.
[06:34.000 --> 06:39.000]  We can say, look at this jurat.
[06:39.000 --> 06:41.000]  This is what it ought to look like.
[06:41.000 --> 06:51.000]  You have the notary signature written in by, the notary's name written in and print by the notary.
[06:51.000 --> 06:53.000]  And then you have the notary's signature.
[06:53.000 --> 06:55.000]  You have the date.
[06:55.000 --> 07:03.000]  And if you have it blank, it'll, for state and county, you'll have the state and county written in.
[07:03.000 --> 07:11.000]  Then we go down to the ones on the assignments and appointments.
[07:11.000 --> 07:14.000]  Those are in rubber stamps.
[07:14.000 --> 07:24.000]  And one thing we come across often that I would like to get verified as being a problem.
[07:24.000 --> 07:28.000]  I have one that is kind of extreme.
[07:28.000 --> 07:37.000]  But what I believe happened was if we had a very religious notary.
[07:37.000 --> 07:43.000]  And I think he was actually a prophet.
[07:43.000 --> 07:54.000]  But he prophesied the future, but God came to him in a vision and told him, he came to him in a vision in 2008.
[07:54.000 --> 08:07.000]  And told him that in 2012, this bank would be filing this appointment of substitute trustee.
[08:07.000 --> 08:16.000]  And God has told you that's going to happen. You can go ahead and verify it now.
[08:16.000 --> 08:33.000]  We have a 2012 appointment of substitute trustee that according to the jurorate was verified by the notary in 2008.
[08:33.000 --> 08:46.000]  Can a notary affirm a document by someone who has already been signed?
[08:46.000 --> 08:47.000]  No.
[08:47.000 --> 08:53.000]  Could I come to you with a signed document and say, I signed that. Will you affirm that for me?
[08:53.000 --> 08:55.000]  No.
[08:55.000 --> 09:04.000]  That's what I thought. Almost every one of these. These guys are creating fraudulent threats.
[09:04.000 --> 09:15.000]  And somehow they just seem to be unable to make themselves get all of the numbers right.
[09:15.000 --> 09:28.000]  And we have them generally four or five days, sometimes a week apart, where the document was signed on the 12th and it was verified on the 15th or the 18th.
[09:28.000 --> 09:36.000]  Now, I was certain that was not proper, but I haven't seen the code that makes it not proper.
[09:36.000 --> 09:48.000]  And if you have that, I'd very much like to see it. We can pretty well get most every document that's been filed by these morons thrown in the trash.
[09:48.000 --> 10:10.000]  Yeah, and from working so closely with all the different escrow companies who, of course, you know, work with the lenders, I know that Bank of America has a building in California right there in Riverside that they, there's, it's at the
[10:10.000 --> 10:24.000]  building full of notaries, and all they do there all day long is they see these notes come through and, and they rubber sample them.
[10:24.000 --> 10:31.000]  Oh, wait a minute. You said they have a building full of notaries where they do that?
[10:31.000 --> 10:36.000]  Yeah, and Bank of America's contracts, subcontracting the notaries because some of the notaries have been doing it.
[10:36.000 --> 10:39.000]  Can you give me an address on that building?
[10:39.000 --> 10:47.000]  I can probably get you an address on it because Bank of America is doing it, and we have told the notaries that come work for us.
[10:47.000 --> 10:50.000]  Wait a minute. You're fading it out.
[10:50.000 --> 11:08.000]  Any of the notaries that have worked for us, you know, subcontracted with our company, we have told them that they should not be doing that.
[11:08.000 --> 11:18.000]  What I need to be able to do is establish this, you know, as a fact that they're actually doing it.
[11:18.000 --> 11:24.000]  I might want to use you as an expert witness.
[11:24.000 --> 11:25.000]  Okay.
[11:25.000 --> 11:37.000]  As a notary, you know, a long time notary, you would have the credentials that bring you in and ask how it, you know, how is it supposed to be done.
[11:37.000 --> 11:43.000]  We want to use Bushwack.
[11:43.000 --> 11:58.000]  We're not even wearing the strategy here, but if we're going to get, we're going to be able to win these cases, we need to generate some politics, and all politics is local.
[11:58.000 --> 12:03.000]  So we need to find our way back down into the lower courts.
[12:03.000 --> 12:12.000]  We need to find our way into the lower court with an issue we can carry back up to the higher courts.
[12:12.000 --> 12:31.000]  We need to find our way into the lower courts in a way that is not, it doesn't appear to be so obnoxious and that addresses issues important to those within the lower court circle.
[12:31.000 --> 12:38.000]  And we have the clerks unhappy about the trash that's been filed in their records.
[12:38.000 --> 12:47.000]  The local county clerk and told her I've been looking through your records, your county records, and they are not accurate.
[12:47.000 --> 12:51.000]  And you'd have thought I hit her with a baseball bat.
[12:51.000 --> 12:56.000]  She really took that personal.
[12:56.000 --> 13:07.000]  And I took me a bit to explain to her, and I had some help explaining to her because I told her now Sherry, this is not you, you don't have anything to say about it.
[13:07.000 --> 13:14.000]  Because of anything you did, these people brought these documents to be filed and you had to file a law.
[13:14.000 --> 13:20.000]  That was why I asked you, they had to arrest you the other day because you wouldn't file a document.
[13:20.000 --> 13:29.000]  So if I could get you arrested for not filing a document, then it's reasonable you have to file it so you can't be liable.
[13:29.000 --> 13:32.000]  This is not your problem.
[13:32.000 --> 13:39.000]  And maybe that's why she got so upset because she's still a little bit upset about me asking the babies to arrest her.
[13:39.000 --> 13:42.000]  Oh, that was so much fun.
[13:42.000 --> 13:47.000]  Sherry Parker, Sherry Parker Lemon is one of my favorite human beings on earth.
[13:47.000 --> 13:51.000]  She is absolutely a sweetheart.
[13:51.000 --> 13:56.000]  And the look on her face when I asked Chet to arrest her was just priceless.
[13:56.000 --> 14:01.000]  She couldn't believe I actually did that.
[14:01.000 --> 14:08.000]  That was, and poor old Chet, oh man, don't ask me to arrest Sherry, it's a corny chicken.
[14:08.000 --> 14:11.000]  Just a stoner cuss on her and drag her off to jail.
[14:11.000 --> 14:13.000]  I'm not an arrested sheriff.
[14:13.000 --> 14:15.000]  So what's the matter, Chet, are you a chicken?
[14:15.000 --> 14:16.000]  Yeah, I'm a chicken.
[14:16.000 --> 14:20.000]  He's the local karate instructor.
[14:20.000 --> 14:28.000]  Anyway, they made the point, but the clerks are real unhappy.
[14:28.000 --> 14:39.000]  That's political, that's politics, that's local politics, that's politics within their good old boys system.
[14:39.000 --> 14:43.000]  You can help walk me right in that door.
[14:43.000 --> 14:46.000]  Well, I was going to make a suggestion.
[14:46.000 --> 14:58.000]  I know you like to subpoena the journal, but each notary, I'm pretty aware that here in Texas,
[14:58.000 --> 15:04.000]  each notary is required to carry a $10,000 surety box.
[15:04.000 --> 15:16.000]  And in California, they have a law that says if you're going to subcontract more than 20 notaries that you have to carry,
[15:16.000 --> 15:23.000]  I think it's like a million dollars, because our company has to carry a million dollar ENO, which is heirs and emissions,
[15:23.000 --> 15:30.000]  and then we also have to carry a million dollar bond, surety bond.
[15:30.000 --> 15:38.000]  And oh, that's what we all look for, is deep pockets.
[15:38.000 --> 15:50.000]  Now, I didn't want to go after a notary, primarily because for the most part these notaries just kind of get hoodwinked into doing this kind of stuff.
[15:50.000 --> 16:01.000]  They, for the most part, act in good faith, rely on some kind of authority. Problem is, is to violate law and it doesn't, technically doesn't help them.
[16:01.000 --> 16:05.000]  But also, they don't have very deep pockets.
[16:05.000 --> 16:11.000]  And I don't like going after the people on the bottom.
[16:11.000 --> 16:25.000]  But if the people who hire the notaries have to carry the rider, then that rider I could go after on each notary.
[16:25.000 --> 16:40.000]  Yeah, and if you go to notaryrotary.com, you'll see the requirements for, if you're a business, carrying that many notaries underneath your policy.
[16:40.000 --> 16:43.000]  Rotary, Rotary. That is a good name.
[16:43.000 --> 16:46.000]  Hang on, this is Randy Kelton, Dougie Stephen, Dougie Craig.
[16:46.000 --> 16:51.000]  We have our radio, our call in number 512-646-1984.
[16:51.000 --> 16:55.000]  John, I see you there. We'll pick you up when we get down with Chris.
[16:55.000 --> 17:11.000]  We'll be right back on the other side.
[17:25.000 --> 17:40.000]  We're all breaking, Tange Tangerine, Tange Tangerine, Tange Tangerine.
[17:40.000 --> 17:48.000]  Order beyond Tange Tangerine and other great young Jevity products at LogosRadioNetwork.com by clicking on the Tange Tangerine banner.
[17:48.000 --> 17:55.000]  Sign up as a preferred customer for wholesale prices or become a distributor and support LogosRadioNetwork.com.
[17:55.000 --> 17:57.000]  So what do you say, Elvis?
[17:57.000 --> 18:00.000]  Tange, Tange LearnLodge.
[18:00.000 --> 18:05.000]  Are you being harassed by debt collectors with phone calls, letters or even losses?
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[18:14.000 --> 18:20.000]  You'll get step-by-step instructions in plain English on how to win in court using federal civil rights statutes,
[18:20.000 --> 18:26.000]  what to do when contacted by phones, mail or court summons, how to answer letters and phone calls,
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[18:40.000 --> 18:49.000]  For more information, please visit ruleoflawradio.com and click on the blue Michael Mearris banner or email MichaelMearris at yahoo.com.
[18:49.000 --> 19:00.000]  That's ruleoflawradio.com or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com to learn how to stop debt collectors next.
[19:00.000 --> 19:06.000]  Well, don't let nothing get to you or the father can't do it by you.
[19:06.000 --> 19:12.000]  Well, don't let bad-mine people hurt you until says I'm getting behind.
[19:12.000 --> 19:17.000]  You know what I mean? My friend, now I got you.
[19:17.000 --> 19:18.000]  Come on.
[19:24.000 --> 19:26.000]  Okay, we are back.
[19:26.000 --> 19:28.000]  Thank you for helping me up with Stephen Daddy Craig.
[19:28.000 --> 19:35.000]  We're over on radio and we're talking to Chris in Texas.
[19:35.000 --> 19:43.000]  And, Chris, we have Ms. Francis from Colorado that wants to ask you a notarotary question.
[19:43.000 --> 19:46.000]  Yes, sir.
[19:46.000 --> 19:48.000]  Hello, Ms. Francis.
[19:48.000 --> 19:51.000]  Hey, how are you?
[19:51.000 --> 19:52.000]  Okay, here's my question.
[19:52.000 --> 19:56.000]  I am good. I'm hoping you can stop the chomp.
[19:56.000 --> 20:01.000]  Well, if it was just you, maybe, but I'm thinking Chris can probably answer this.
[20:01.000 --> 20:05.000]  Okay, Chris, so I asked for copies of the journal.
[20:05.000 --> 20:06.000]  Yes, ma'am.
[20:06.000 --> 20:09.000]  Okay, so I asked for copies of the journal and I didn't get them.
[20:09.000 --> 20:15.000]  I waited 67 days and I filed a notary complaint with the Secretary of State.
[20:15.000 --> 20:28.000]  And I mailed it off to the notary and the Secretary of State and then the public trustees where she has her license and then where my deed of trust is recorded.
[20:28.000 --> 20:37.000]  And today my husband, because he signed the complaint too, got a call from the broker for whom she was working.
[20:37.000 --> 20:44.000]  And they took copies of her driver's licenses and we never signed a logbook and we never met her.
[20:44.000 --> 20:49.000]  And so today the broker calls and wants to see if he can help us work this out.
[20:49.000 --> 20:52.000]  So what is that all about?
[20:52.000 --> 20:54.000]  I thought that was interesting.
[20:54.000 --> 21:08.000]  Well, the broker, he's just trying to earn any money because if that deal, if the deal is ever overturned, then his money's gone, that he made.
[21:08.000 --> 21:21.000]  And I know when we're, because when we're doing documents, if you're there at the table and for any reason that they don't sign, you know, say the borrower decides they don't want to sign,
[21:21.000 --> 21:24.000]  that broker is out the money.
[21:24.000 --> 21:32.000]  So did you specify any time limit for them to respond when you sent that to the Secretary of State?
[21:32.000 --> 21:35.000]  I didn't for the Secretary of State, no, sir.
[21:35.000 --> 21:40.000]  But this was for a mortgage that was back in 2006.
[21:40.000 --> 21:46.000]  I'd say if you've given them 60-something days to respond and they haven't responded, then they're not rebutting anything you're saying.
[21:46.000 --> 21:58.000]  Well, that's what I thought too, so I was a little surprised that basically just about a week after the Secretary of State signs that they received it.
[21:58.000 --> 22:07.000]  Then the notary calls the broker, but she didn't, she had 67 days to respond to us with her journal, which would shut the whole thing down.
[22:07.000 --> 22:12.000]  And she's not responding because she knows that she doesn't have your signature in her book.
[22:12.000 --> 22:14.000]  Correct.
[22:14.000 --> 22:20.000]  And I don't know about other states because I only do notarizations here in Texas.
[22:20.000 --> 22:26.000]  And I know when I do them, we are supposed to get your fingerprint as well.
[22:26.000 --> 22:28.000]  Holy smokes.
[22:28.000 --> 22:38.000]  Well, here in Colorado, you have to show your driver's license and then sign the logbook and your address has to be in the logbook and it's pretty specific.
[22:38.000 --> 22:45.000]  So I just thought it was interesting about the broker, so would they come back and take his money back and have him have to write a check for him?
[22:45.000 --> 22:48.000]  Because it's not one closing, it's two.
[22:48.000 --> 22:57.000]  And he charged wrong fees, which Randy can tell you more about, but it's somewhere in the area of $22,000.
[22:57.000 --> 23:09.000]  Yeah, if the deal is locked at any rate. Actually, it's somewhere in the area of three times the amount of the original principal of them.
[23:09.000 --> 23:20.000]  Right. Well, that's true, but the broker's actual take, because he was incentivized to put us into a higher interest rate loan, he got extra fees.
[23:20.000 --> 23:28.000]  And his fees rounded around a little over $10,000 each time.
[23:28.000 --> 23:30.000]  Is that the one thing?
[23:30.000 --> 23:40.000]  Is that the charges that he charged first to the bank and then also to you, which actually just get turned around, or actually, they both look like they're charged to the bank.
[23:40.000 --> 23:45.000]  The ones actually turned around and they're both ended up charged to you.
[23:45.000 --> 23:53.000]  Oh, I'm pretty sure. And Randy could be the one that could really confirm on that because he's looked at the documents and then others.
[23:53.000 --> 23:59.000]  Oh yeah, I could work that on him. You pay everything.
[23:59.000 --> 24:00.000]  Yeah.
[24:00.000 --> 24:09.000]  This nonsense of the bank paying something, you pay every dime. The lender, he doesn't pay anything.
[24:09.000 --> 24:17.000]  Either. If you look on the HUD 1 settlement statement, you'll see amounts paid by the lender. Horse manure, the lender doesn't pay anything.
[24:17.000 --> 24:26.000]  Whatever the lender pays is added to the principal that he sells the property for. If he didn't pay that, he'd sell the property for less.
[24:26.000 --> 24:29.000]  So you pay for everything.
[24:29.000 --> 24:36.000]  Okay. Well, he was just a mortgage broker, but so I just thought it was real odd.
[24:36.000 --> 24:46.000]  And we're kind of chit-chatting about what to even do. And I said, well, you know, maybe we'll call him back and just let him talk and see what kind of intermediary thing.
[24:46.000 --> 24:54.000]  And I can't imagine that he would be trying to do anything because I did mention him in the complaint that I couldn't find him in the business.
[24:54.000 --> 24:56.000]  Okay. Suggestion.
[24:56.000 --> 24:58.000]  Okay.
[24:58.000 --> 25:06.000]  Do you think private attorney general?
[25:06.000 --> 25:12.000]  Do you think you are the only one that he's done this to?
[25:12.000 --> 25:18.000]  Oh, no. No. Or her.
[25:18.000 --> 25:26.000]  Or her. What about the fines to the state for these offenses?
[25:26.000 --> 25:31.000]  It goes to a quiet time action.
[25:31.000 --> 25:33.000]  Okay. Well, you'll have to.
[25:33.000 --> 25:42.000]  You recover all of these. You recover these fines. You get to keep 25% unless the state comes in and takes over the suit.
[25:42.000 --> 25:47.000]  In which case, you only get to keep 15% if they do all the work.
[25:47.000 --> 25:49.000]  Okay. Randy?
[25:49.000 --> 25:50.000]  Okay.
[25:50.000 --> 25:56.000]  Yes.
[25:56.000 --> 26:06.000]  Ma'am, do you know if this notary did this as just her own, you know, that she got this job straight from a title company or an escrow company?
[26:06.000 --> 26:14.000]  Or did she do this through a signing company?
[26:14.000 --> 26:25.000]  No, my guts would tell me that because she still seems to be working for a title company that she had it through a title company, and that title company is out of business, but I don't know that for sure.
[26:25.000 --> 26:33.000]  About 95% of these bills are done through some signing company.
[26:33.000 --> 26:44.000]  Wait a minute. Hold on. Signing company. Are you talking about a title company or are you talking about something else?
[26:44.000 --> 26:58.000]  I think companies are. They have many title companies they work for, but they hire, they subcontract notaries to do these jobs.
[26:58.000 --> 27:04.000]  Oh, so when you say signing company, that is their business.
[27:04.000 --> 27:07.000]  That's their business, yeah.
[27:07.000 --> 27:10.000]  Oh, my goodness.
[27:10.000 --> 27:30.000]  In this particular case, we did a mortgage in April of 2006, and she notaries the quick claim deed and the deed of trust, and then we refinanced again in October, and she did the notary for that, and we never met her for any of those signatures.
[27:30.000 --> 27:33.000]  She worked for law, no matter what state she was in.
[27:33.000 --> 27:46.000]  Well, sure, and I don't know, but she was working with the same broker. We used the same broker, so even if she was a signing company and she may have, and they may have had a contract, that's interesting. How would we find out that?
[27:46.000 --> 27:56.000]  That's interesting. I would, you know, I've never had to try and figure out how someone would figure out what were signing companies.
[27:56.000 --> 28:02.000]  Well, you could see if she was 1099 through the state.
[28:02.000 --> 28:05.000]  Okay.
[28:05.000 --> 28:08.000]  Are those public record?
[28:08.000 --> 28:18.000]  You'd have to ask Randy if he knows a way to find out if somebody was 1099 through the IRS.
[28:18.000 --> 28:24.000]  What would it, does Colorado have a state income tax?
[28:24.000 --> 28:29.000]  Yes.
[28:29.000 --> 28:36.000]  And where else would they leave an audit trail?
[28:36.000 --> 28:49.000]  I think the IRS is going to be reluctant to give us that information. Somewhere there's something to do with the state that's going to leave an audit trail for an employee.
[28:49.000 --> 29:07.000]  She took the audit, because here's the problem. I figured out if a notary worked for a signing company, is they're not required to 1099 a notary unless that notary makes more than $600 with them in a year.
[29:07.000 --> 29:16.000]  So if they do one job for this company and they never do another job for them that year, this company's not going to 1099 them.
[29:16.000 --> 29:21.000]  We sheeded three jobs for us on two different mortgages in the same year.
[29:21.000 --> 29:27.000]  Wait a minute. This should not be hard.
[29:27.000 --> 29:39.000]  We filed an action against the notary claiming the amount of the million dollar writer we would expect her to have.
[29:39.000 --> 29:48.000]  And in order to get her indemnified, she would have to go through the admissions policy areas of the mission.
[29:48.000 --> 29:51.000]  And she would bring us to the holder of that.
[29:51.000 --> 29:54.000]  Hold on, this is Randy Kelton, Debbie Steed and Debbie Craig.
[29:54.000 --> 29:59.000]  We were all radio. I called it number 512-646-1984.
[29:59.000 --> 30:05.000]  This is Building 7, a 47-story skyscraper that fell on the afternoon of September 11.
[30:05.000 --> 30:12.000]  The government says that fire brought it down. However, 1,500 architects and engineers have concluded it was a controlled demolition.
[30:12.000 --> 30:15.000]  Over 6,000 of my fellow service members have given their lives.
[30:15.000 --> 30:17.000]  Thousands of my fellow force respondents have died.
[30:17.000 --> 30:19.000]  I'm not a conspiracy theorist.
[30:19.000 --> 30:20.000]  I'm a structural engineer.
[30:20.000 --> 30:21.000]  I'm a New York City correction officer.
[30:21.000 --> 30:22.000]  I'm an Air Force pilot.
[30:22.000 --> 30:24.000]  I'm a father who lost his son.
[30:24.000 --> 30:26.000]  We're Americans and we deserve the truth.
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[31:00.000 --> 31:06.000]  It is so enlightening to listen to 90.1 FM, but finding things on the Internet isn't so easy.
[31:06.000 --> 31:09.000]  And neither is finding like-minded people to share it with.
[31:09.000 --> 31:12.000]  Oh, well, I guess you haven't heard of Brave New Books then.
[31:12.000 --> 31:13.000]  Brave New Books?
[31:13.000 --> 31:20.000]  Yes, Brave New Books has all the books and DVDs you're looking for by authors like Alex Jones, Ron Paul and G. Edward Griffin.
[31:20.000 --> 31:24.000]  They even stock inner food, Berkey products and Calvin Soap.
[31:24.000 --> 31:26.000]  There's no way a place like that exists.
[31:26.000 --> 31:28.000]  Go check it out for yourself.
[31:28.000 --> 31:32.000]  It's downtown in 1904 Guadalupe Street just south of UT.
[31:32.000 --> 31:36.000]  Oh, by UT? There's never anywhere to park down there.
[31:36.000 --> 31:44.000]  Actually, they now offer a free hour of parking for paying customers at the 500 MLK parking facility just behind the bookstore.
[31:44.000 --> 31:47.000]  It does exist, but when are they open?
[31:47.000 --> 31:52.000]  Monday through Saturday, 11 a.m. to 9 p.m. and 1 to 6 p.m. on Sundays.
[31:52.000 --> 32:07.000]  So give them a call at 512-480-2503 or check out their events page at bravenewbookstore.com.
[32:22.000 --> 32:27.000]  Yeah, I won't
[32:27.000 --> 32:31.000]  Oh, I won't
[32:31.000 --> 32:39.000]  I won't let you pull the world over my eyes
[32:39.000 --> 32:46.000]  They must refuse your news or so come in line
[32:46.000 --> 32:54.000]  It seems you like to fail, but please take some words to the wise
[32:54.000 --> 33:01.000]  Please stop trying to pull the world over my eyes
[33:01.000 --> 33:04.000]  Okay, we are back. Randy felt better, Steve and Betty crazy.
[33:04.000 --> 33:12.000]  We'll look at the radio and we're talking to Chris and Francis.
[33:12.000 --> 33:16.000]  I think I got Chris. There we go. I'm here. I got Chris unmuted now.
[33:16.000 --> 33:26.000]  Okay, this is interesting. This opens a whole new avenue of politics.
[33:26.000 --> 33:38.000]  We can get the notary just to have a connection fit because the notary was induced to do things that's now getting them sued.
[33:38.000 --> 33:43.000]  They're going to feed us to Linda.
[33:43.000 --> 33:47.000]  Yes, they will.
[33:47.000 --> 33:51.000]  Oh, this is wonderful.
[33:51.000 --> 34:06.000]  Since you're there, do not know who I am. I will tell you something else that goes on that I know personally that it goes on, but I would never let somebody drag me into court against somebody on it.
[34:06.000 --> 34:10.000]  And that is that I know for a fact that the
[34:10.000 --> 34:13.000]  You're kind of weak.
[34:13.000 --> 34:18.000]  Is that better? I'm having an AT&T night.
[34:18.000 --> 34:22.000]  No, go ahead.
[34:22.000 --> 34:31.000]  What they do is if you've been in this business for a while, you know that there's this thing called radio stock.
[34:31.000 --> 34:40.000]  And it's where the borrowers have to sign on or before a specific date in order for their rate lock not to expire.
[34:40.000 --> 34:52.000]  It costs about three, around two, three, four thousand dollars spent on the loan amount to get a new rate.
[34:52.000 --> 35:08.000]  And in order for the banks to avoid being charged that rate, they do what's called backdating.
[35:08.000 --> 35:15.000]  Okay, how would we find the backdating?
[35:15.000 --> 35:19.000]  Did you ask how?
[35:19.000 --> 35:21.000]  Yes.
[35:21.000 --> 35:34.000]  That would be an issue, because it's a felony for the borrowers to know what's happening and it's a felony for another individual to do it.
[35:34.000 --> 35:40.000]  So you're not going to get the borrowers to admit that it was done no more than you will get.
[35:40.000 --> 35:48.000]  Okay, all of this has to leave an audit trail.
[35:48.000 --> 35:58.000]  So they're backdating the note itself.
[35:58.000 --> 36:02.000]  Chris, did I lose you?
[36:02.000 --> 36:06.000]  Yeah, I thought he was kind of flaking out there.
[36:06.000 --> 36:15.000]  If they're actually backdating the note and it's a felony, oh, this is wonderful.
[36:15.000 --> 36:18.000]  We don't have to find it in that case.
[36:18.000 --> 36:25.000]  All we have to do is discovery that points at it.
[36:25.000 --> 36:40.000]  And the case will become the claim that we have will become less important to them than the potential felony charges that they'll be subjected to.
[36:40.000 --> 36:51.000]  And I would hope that we could bring everybody involved into it under vicarious liability.
[36:51.000 --> 36:52.000]  Oh, that's interesting.
[36:52.000 --> 36:56.000]  Okay, we've got Chris back.
[36:56.000 --> 36:58.000]  Okay, Chris, you're back.
[36:58.000 --> 37:00.000]  Yes, sir.
[37:00.000 --> 37:06.000]  Okay, now, where's the audit trail?
[37:06.000 --> 37:12.000]  This has to leave an audit trail.
[37:12.000 --> 37:28.000]  If it was done through a signing company, then you might be able to find the audit trail through the signing company because we're the ones that, you know, all the paperwork is sent to us and then it's forwarded to the notary.
[37:28.000 --> 37:36.000]  And then from there is the notary handles it all the way up to the point where they send the documents back.
[37:36.000 --> 37:43.000]  Okay, what are the mechanics of backdating?
[37:43.000 --> 37:47.000]  What specifically did they backdate?
[37:47.000 --> 37:50.000]  The entire thing.
[37:50.000 --> 37:54.000]  So...
[37:54.000 --> 38:04.000]  So the record will show that a closing was held on a certain date when in fact it wasn't held on that date?
[38:04.000 --> 38:08.000]  Yes, it's a possibility because I see it.
[38:08.000 --> 38:17.000]  It happens probably five, six times a month, especially around month end.
[38:17.000 --> 38:30.000]  What the lender considers month end, which is Monday, this Monday will be the last day of month end this month.
[38:30.000 --> 38:37.000]  Okay, I'm thinking how do I make a claim?
[38:37.000 --> 38:43.000]  Okay, this is where we don't live in a lawyer box.
[38:43.000 --> 38:49.000]  The lawyers can only make claims they expect to win.
[38:49.000 --> 38:52.000]  But we don't live in a lawyer box.
[38:52.000 --> 38:58.000]  We can make claims for their potential political impact.
[38:58.000 --> 39:11.000]  So how would we ask a question that would point directly at this issue?
[39:11.000 --> 39:14.000]  When did the loan...
[39:14.000 --> 39:16.000]  Go ahead.
[39:16.000 --> 39:19.000]  When did the loan fund?
[39:19.000 --> 39:33.000]  Because if it didn't fund before the month end day, that's usually a pretty good sign it didn't sign before the month end day.
[39:33.000 --> 39:37.000]  Okay, we need to write up specific discovery.
[39:37.000 --> 39:40.000]  Discovery is an art form.
[39:40.000 --> 39:47.000]  If you do your discovery right, you don't always want to get what you ask for.
[39:47.000 --> 39:57.000]  In discovery is where you make your most effective, veiled threats.
[39:57.000 --> 40:05.000]  You ask for stuff and they have to sit back and say, why in the heck is he asking for this?
[40:05.000 --> 40:13.000]  And say if we ask for the actual funding date as compared to the signing date,
[40:13.000 --> 40:19.000]  or did the note fund before the end of the month?
[40:19.000 --> 40:30.000]  Or some question that would point at this issue without us actually going to this issue.
[40:30.000 --> 40:36.000]  This is perfect because if that's a felony, somebody can go to prison.
[40:36.000 --> 40:40.000]  So we don't actually wave in front of them.
[40:40.000 --> 40:47.000]  We ask for it kind of on the slide and they know we're doing it that way.
[40:47.000 --> 40:50.000]  So they take this as a fair warning.
[40:50.000 --> 41:00.000]  We give them opportunity to come to us and make a deal without having to lose face in the process.
[41:00.000 --> 41:06.000]  Oh, this sounds like fun. We can have great fun with this.
[41:06.000 --> 41:13.000]  I am definitely going to want to sit down and talk to you over this and work out some strategy.
[41:13.000 --> 41:16.000]  Okay.
[41:16.000 --> 41:20.000]  John, if you're listening, if you'll call back in, we'll bring you up.
[41:20.000 --> 41:25.000]  We're about done here and I apologize for holding you up that long.
[41:25.000 --> 41:28.000]  Francis, do you have any more questions for Chris?
[41:28.000 --> 41:31.000]  I'm good. Thank you. I got my marching orders.
[41:31.000 --> 41:36.000]  Okay. Do you have any other questions for me or Eddie?
[41:36.000 --> 41:39.000]  Well, no.
[41:39.000 --> 41:43.000]  Okay. Good. Okay.
[41:43.000 --> 41:48.000]  Okay. Thank you, Francis and Chris.
[41:48.000 --> 41:49.000]  Yes, sir.
[41:49.000 --> 42:00.000]  Are there any other interesting issues that I wouldn't know to ask you about?
[42:00.000 --> 42:03.000]  I'd have to give that some thought.
[42:03.000 --> 42:09.000]  You know, I know that there are a lot of things that have been in this business that I have witnessed.
[42:09.000 --> 42:15.000]  And there are things that are not supposed to be happening.
[42:15.000 --> 42:29.000]  If we can get a list of what those are, then we can look at each case and decide which one is the most likely.
[42:29.000 --> 42:48.000]  And then ask questions that point at that issue, especially if it goes to, like this one, a felony, if it goes to criminal without actually addressing it directly, that gives us great politics.
[42:48.000 --> 42:49.000]  Well, there is one other thing.
[42:49.000 --> 42:53.000]  Okay. Thank you very much, Chris. Do you have anything else you want to do, Chris?
[42:53.000 --> 43:06.000]  I was going to say there is one other thing that you could ask the borrowers in these cases if the notary gave them any kind of advice whatsoever.
[43:06.000 --> 43:13.000]  Because if they ask any question, the notary is it's a felony for them to answer it.
[43:13.000 --> 43:22.000]  I mean, if they ask what the numbers mean on their settlement statement, you're not allowed to answer that question.
[43:22.000 --> 43:43.000]  Oh, so if the notary gave responses that can be construed as intended to influence the lender in a way that subsequently harmed him, that'd be great.
[43:43.000 --> 43:44.000]  Okay, wonderful.
[43:44.000 --> 43:46.000]  Okay.
[43:46.000 --> 43:47.000]  Thank you, Chris.
[43:47.000 --> 43:54.000]  All right, as the scholars are stacking up, this is Randy Kelkin, David Stephen, David Craig with Royal Radio.
[43:54.000 --> 44:00.000]  We'll be right back on the other side.
[44:00.000 --> 44:28.000]  Are you the plaintiff or defendant in a lawsuit?
[44:28.000 --> 44:33.000]  It was created by a licensed attorney with 22 years of case-winning experience.
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[45:01.000 --> 45:09.000]  The Oklahoma City Bombing, top 10 reasons to question the official story, reason number one, John Doe number two, and other accomplices.
[45:09.000 --> 45:17.000]  On the day of the bombing, nearly all of the witnesses that saw Tim McVeigh and the writer truck report that he was accompanied by other perpetrators.
[45:17.000 --> 45:24.000]  The FBI and federal prosecutors insist that Tim McVeigh alone delivered the writer truck bomb to the Murra Building and detonated it.
[45:24.000 --> 45:32.000]  The only witness the government produced to place McVeigh at the building that morning, Dana Bradley, who lost her children and one of her legs in the bombing,
[45:32.000 --> 45:38.000]  testified that she saw McVeigh with another man, the fable John Doe number two, exiting the writer truck.
[45:38.000 --> 45:50.000]  While at least 15 other witnesses claim to have seen McVeigh with other perpetrators the day of the bombing, no less than 226 witnesses placed him with other men in the days before the bombing,
[45:50.000 --> 45:56.000]  including when he rented the writer truck, and in some cases have positively identified the other perpetrators.
[45:56.000 --> 46:12.000]  For more information, please visit okcbombingtruth.com.
[46:26.000 --> 46:36.000]  Okay, we are back.
[46:36.000 --> 46:46.000]  And we have a caller up, but I have no name on him.
[46:46.000 --> 46:52.000]  The caller's up with those names, so we're gonna go to the first one.
[46:52.000 --> 46:56.000]  This is a number in, looks like Fort Worth.
[46:56.000 --> 47:00.000]  Wait for Chris to screen the call.
[47:00.000 --> 47:05.000]  Am I on the phone with John?
[47:05.000 --> 47:08.000]  Debra, that's been up for 10 minutes.
[47:08.000 --> 47:13.000]  Okay, well then something's going on with Chris, maybe, I'll figure out what's going on, sorry.
[47:13.000 --> 47:19.000]  Okay, okay, okay, go ahead.
[47:19.000 --> 47:22.000]  This is John.
[47:22.000 --> 47:23.000]  John?
[47:23.000 --> 47:24.000]  Yeah.
[47:24.000 --> 47:27.000]  Oh, okay, yeah, well good, you call back.
[47:27.000 --> 47:30.000]  Wonderful, okay.
[47:30.000 --> 47:33.000]  Okay, you have a question or comment for us?
[47:33.000 --> 47:37.000]  Yeah, it's about the notaries.
[47:37.000 --> 47:38.000]  I know a lot of them.
[47:38.000 --> 47:41.000]  Yes.
[47:41.000 --> 47:49.000]  This is a court case sheffielded state, 1957, then went on to 5th, 364.
[47:49.000 --> 47:55.000]  Anyway, a lot of these guys are signing these notaries and there's nobody in front of them.
[47:55.000 --> 47:59.000]  That's a felony if it's over $200,000.
[47:59.000 --> 48:04.000]  And some of these guys are just saying, here's time this, I'll get somebody, you know,
[48:04.000 --> 48:06.000]  to get the guy to come in here a little bit later.
[48:06.000 --> 48:10.000]  This thing goes back to 1876.
[48:10.000 --> 48:12.000]  It's just a straight felony.
[48:12.000 --> 48:15.000]  It's what's called an automatic felony.
[48:15.000 --> 48:21.000]  Okay, this is Sheffield v. state?
[48:21.000 --> 48:31.000]  Yeah, Sheffield, it's actually BR Sheffield, a pellet, and Ernest Brooks, 1964, then went to 5th, 30th.
[48:31.000 --> 48:35.000]  Okay, you said 1954?
[48:35.000 --> 48:40.000]  1964, that's even better.
[48:40.000 --> 48:43.000]  Okay, there's article.
[48:43.000 --> 48:45.000]  Yes, sir.
[48:45.000 --> 48:52.000]  Do you have the case or something you could email me about it?
[48:52.000 --> 48:54.000]  Yes.
[48:54.000 --> 48:58.000]  Okay, I was writing kind of a book or pamphlet on this.
[48:58.000 --> 49:03.000]  A lot of these guys, even title companies, give you one in particular.
[49:03.000 --> 49:07.000]  A title company, it's in the Metroplex, Fort Dallas area.
[49:07.000 --> 49:19.000]  There's an attorney for a title company that forged a document, then turned around and notarized it for a party of three other people that's involved on it.
[49:19.000 --> 49:24.000]  And he was also receiving a commission from the title insurance.
[49:24.000 --> 49:30.000]  He charged $150, and he paid $1,400 on the table, too.
[49:30.000 --> 49:37.000]  But it's clearly an automatic forgery, and you can't do that.
[49:37.000 --> 49:54.000]  I think most of the notaries I look at on these assignments and appointments are, they have the appearance that the law firm hired some entry-level person,
[49:54.000 --> 50:04.000]  got them a notary stamp, and laid a bunch of documents down in front of them and had them sign all of them.
[50:04.000 --> 50:11.000]  And then when they need a notarized document, they pull it off the shelf and have a rubber stamp and they stamp in the notary's name,
[50:11.000 --> 50:20.000]  the printed section of his name, and then the person who does the information fills out the rest of it.
[50:20.000 --> 50:22.000]  Almost all of them are that way.
[50:22.000 --> 50:31.000]  If I can find a show where that is a felony, oh my goodness, do we ever have political pressure?
[50:31.000 --> 50:40.000]  I'll use the word automatic forgery, because if you'll go back and read that, I'm talking 1876, and it's brought forward, you know,
[50:40.000 --> 50:46.000]  they changed the penal code, 1973, and then they come into effect in 1974.
[50:46.000 --> 50:49.000]  But it's an automatic forgery.
[50:49.000 --> 50:52.000]  Now, this Sheffield, he ate it in the bedding.
[50:52.000 --> 50:55.000]  He did not notarize it.
[50:55.000 --> 50:58.000]  But he told this lady here something that's right here.
[50:58.000 --> 51:04.000]  It has to do with a lot of veteran tracks, veteran lane board tracks, probably about 50 of them.
[51:04.000 --> 51:12.000]  And anyway, he got, I think it was 10 years and got it cut down to about seven years.
[51:12.000 --> 51:13.000]  Oh, wonderful.
[51:13.000 --> 51:18.000]  That's exactly the kind of leverage that we need.
[51:18.000 --> 51:24.000]  Now, to get these guys off the dime and bring them to the table.
[51:24.000 --> 51:27.000]  Now, you can go to the Secretary of State.
[51:27.000 --> 51:28.000]  Go ahead.
[51:28.000 --> 51:30.000]  Excuse me.
[51:30.000 --> 51:37.000]  You can go to the Secretary of State and, you know, see if they have a license at the time.
[51:37.000 --> 51:43.000]  Now, believe it or not, some of these people, I don't know how they do it, but they've got a seal.
[51:43.000 --> 51:46.000]  And I don't know how they got it because they're not even a notary.
[51:46.000 --> 51:48.000]  They've got nothing else.
[51:48.000 --> 51:51.000]  Oh, these days, you can order those seals.
[51:51.000 --> 51:54.000]  They're piece of cake.
[51:54.000 --> 51:57.000]  The state doesn't provide them.
[51:57.000 --> 51:59.000]  That's correct.
[51:59.000 --> 52:02.000]  You order them through a private company and they make them for you.
[52:02.000 --> 52:03.000]  Yes.
[52:03.000 --> 52:08.000]  But I think, you know, I'm not mistaken, the state of Texas, they have to have the name on it before they are printed.
[52:08.000 --> 52:09.000]  My understanding.
[52:09.000 --> 52:12.000]  Last time I got one, that's what I had to do.
[52:12.000 --> 52:14.000]  But this is real important.
[52:14.000 --> 52:16.000]  This is a document.
[52:16.000 --> 52:20.000]  Especially if the document, it's Boyd Ebenecio, you know, it's like over 10 years.
[52:20.000 --> 52:27.000]  You can go to the archives in Austin because I did that on a one deal.
[52:27.000 --> 52:30.000]  It was like 30 years ago on a notary.
[52:30.000 --> 52:33.000]  And you can get that for $2.
[52:33.000 --> 52:38.000]  Oh, this is wonderful.
[52:38.000 --> 52:45.000]  This notary issue may turn out to be a real powerful point of leverage.
[52:45.000 --> 52:46.000]  It's real?
[52:46.000 --> 52:51.000]  Because the notary is kind of a third party.
[52:51.000 --> 52:55.000]  He's kind of at a distance to the process.
[52:55.000 --> 53:02.000]  And if the notary's done this once, he's probably done it 500 times at least.
[53:02.000 --> 53:09.000]  And that's enough to get him several lifetimes in the prison.
[53:09.000 --> 53:20.000]  I suspect we can get the notaries to dance for us to give us what we need to swallow the lender or absolutely bring the lender to the table.
[53:20.000 --> 53:31.000]  Because if it's a felony for the notary and the lender or someone in the process induced them to do this,
[53:31.000 --> 53:34.000]  they are equally culpable.
[53:34.000 --> 53:42.000]  And those things too, the forgeries, 3221 forgeries, you know, single-cousins, they take it.
[53:42.000 --> 53:49.000]  But if they do it two or more times, it gets into another level.
[53:49.000 --> 53:53.000]  Yeah, any felonies that way, it bumps up.
[53:53.000 --> 53:56.000]  About three will get your life in prison.
[53:56.000 --> 54:00.000]  So this will get really serious, really fast.
[54:00.000 --> 54:07.000]  And another thing too, some of these people that are over 65, they take advantage of them, it bumps it up again.
[54:07.000 --> 54:09.000]  I think it's 22.04, I think it is.
[54:09.000 --> 54:14.000]  If they're over 65, it really gets pretty hairy.
[54:14.000 --> 54:19.000]  22.04. 22.04 is assault.
[54:19.000 --> 54:23.000]  No, it has to do with the elderly.
[54:23.000 --> 54:25.000]  It's not, it's another...
[54:25.000 --> 54:28.000]  Okay, it's not the pinnacle did, it's somewhere else.
[54:28.000 --> 54:30.000]  It's 22.04.
[54:30.000 --> 54:31.000]  Okay.
[54:31.000 --> 54:35.000]  And it's over 65 years of age or older.
[54:35.000 --> 54:38.000]  I will have to start doing some research.
[54:38.000 --> 54:39.000]  I will.
[54:39.000 --> 54:42.000]  You love that information.
[54:42.000 --> 54:44.000]  Wonderful, wonderful.
[54:44.000 --> 54:46.000]  Thank you very much.
[54:46.000 --> 54:49.000]  Okay, thank you very much.
[54:49.000 --> 54:50.000]  Thank you, John.
[54:50.000 --> 54:59.000]  Okay, now we're going to go to Julius in Texas.
[54:59.000 --> 55:02.000]  If I can get Julius on mute, there we go.
[55:02.000 --> 55:03.000]  How are you, Randy?
[55:03.000 --> 55:05.000]  Hello, Mr. Julius.
[55:05.000 --> 55:06.000]  Hey.
[55:06.000 --> 55:07.000]  Hi, I'm fine.
[55:07.000 --> 55:09.000]  It's been a while since we heard from you.
[55:09.000 --> 55:10.000]  Yes, absolutely.
[55:10.000 --> 55:16.000]  I went to court this week and I won't get on that because I want to be a little bit on topic here.
[55:16.000 --> 55:18.000]  You're talking about notaries and such.
[55:18.000 --> 55:24.000]  I remember I did a bunch of research on a couple of foreclosures I was involved in.
[55:24.000 --> 55:34.000]  And a question that I have is, can a notary also turn around and become the affian,
[55:34.000 --> 55:44.000]  seemingly working for the same law firm and being used in different positions as well as become a substitute trustee?
[55:44.000 --> 55:46.000]  Yes.
[55:46.000 --> 56:00.000]  Of course, I know he could because as the notary, the only thing he's doing is verifying that the named person signed the document.
[56:00.000 --> 56:08.000]  And I don't think we have a problem with conflict of interest.
[56:08.000 --> 56:09.000]  Okay.
[56:09.000 --> 56:10.000]  All right.
[56:10.000 --> 56:15.000]  As far as I know, I'm sure if I'm wrong, John is still on.
[56:15.000 --> 56:18.000]  Let me bring John back up.
[56:18.000 --> 56:19.000]  Okay.
[56:19.000 --> 56:21.000]  John, are you there?
[56:21.000 --> 56:22.000]  Yeah.
[56:22.000 --> 56:24.000]  Did you hear that question?
[56:24.000 --> 56:25.000]  Yeah, there is.
[56:25.000 --> 56:27.000]  There's definitely a conflict.
[56:27.000 --> 56:32.000]  You cannot do that because you'll be over.
[56:32.000 --> 56:45.000]  So if an individual is working for a law firm, they can't notarize documents for the law firm?
[56:45.000 --> 56:46.000]  Let me back up.
[56:46.000 --> 56:50.000]  In a reduced part, it's like it's just notarizing it.
[56:50.000 --> 56:58.000]  There cannot be any kind of a fiduciary like no, they can't be involved in it.
[56:58.000 --> 57:02.000]  They can't be appointed a trustee on it.
[57:02.000 --> 57:04.000]  Oh, okay.
[57:04.000 --> 57:15.000]  So they could just be a secretary or something that someone who doesn't have their name on it in particular or doesn't take a position?
[57:15.000 --> 57:27.000]  And also an attorney cannot have their name on an instrument like a deed if there's any fraud going on because that avoids it right there.
[57:27.000 --> 57:28.000]  I see.
[57:28.000 --> 57:29.000]  Okay.
[57:29.000 --> 57:32.000]  Can you explain that a little more?
[57:32.000 --> 57:34.000]  Can he have his name?
[57:34.000 --> 57:35.000]  Okay.
[57:35.000 --> 57:46.000]  I would think that would mean we have attorneys sometimes who validate documents in their capacity as a bar card carrying attorney.
[57:46.000 --> 57:49.000]  Can they do that?
[57:49.000 --> 57:55.000]  Well, if I understand that there's one instrument up there.
[57:55.000 --> 57:56.000]  Okay.
[57:56.000 --> 57:57.000]  Hang on.
[57:57.000 --> 57:58.000]  We're about to go to break.
[57:58.000 --> 58:00.000]  Can you hold over, John?
[58:00.000 --> 58:01.000]  Yeah.
[58:01.000 --> 58:02.000]  Good.
[58:02.000 --> 58:03.000]  Good.
[58:03.000 --> 58:04.000]  Wonderful.
[58:04.000 --> 58:05.000]  Okay.
[58:05.000 --> 58:06.000]  This is Randy Kelton.
[58:06.000 --> 58:07.000]  Good to see you.
[58:07.000 --> 58:08.000]  Good to Craig.
[58:08.000 --> 58:11.000]  We have low radio.
[58:11.000 --> 58:14.000]  We are going into our last hour.
[58:14.000 --> 58:16.000]  So give us a call.
[58:16.000 --> 58:17.000]  Get in line.
[58:17.000 --> 58:19.000]  It really builds up toward the end.
[58:19.000 --> 58:24.000]  Call in number 512-646-1984.
[58:24.000 --> 58:29.000]  We've got a full hour, so call in as quick as you can and get lined up.
[58:29.000 --> 58:37.000]  Because if you listen before you know how Julius is, then he could talk for the whole hour.
[58:37.000 --> 58:38.000]  Okay.
[58:38.000 --> 58:39.000]  This is Randy Kelton.
[58:39.000 --> 58:40.000]  Good to see you.
[58:40.000 --> 58:41.000]  Andy Craig, we have low radio.
[58:41.000 --> 58:43.000]  We'll be right back.
[58:43.000 --> 58:50.000]  Pick it on Julius.
[58:50.000 --> 58:53.000]  Would you like to make more definite progress in your walk with God?
[58:53.000 --> 58:54.000]  Thank you.
[58:54.000 --> 59:23.000]  Thank you very much.
[59:24.000 --> 59:50.000]  Thank you very much.
[59:50.000 --> 01:00:16.000]  Thank you very much.
[01:00:16.000 --> 01:00:45.000]  Thank you very much.
[01:00:46.000 --> 01:01:12.000]  Thank you very much.
[01:01:12.000 --> 01:01:40.000]  Thank you very much.
[01:01:40.000 --> 01:02:06.000]  Thank you very much.
[01:02:06.000 --> 01:02:33.000]  Thank you very much.
[01:02:33.000 --> 01:03:02.000]  Thank you.
[01:03:02.000 --> 01:03:31.000]  Thank you very much.
[01:03:32.000 --> 01:04:01.000]  Thank you very much.
[01:04:01.000 --> 01:04:10.000]  We're talking to Julius in Texas, and I was only kidding about that remark.
[01:04:10.000 --> 01:04:12.000]  You know Julius.
[01:04:12.000 --> 01:04:14.000]  You're a kind guy, Randy.
[01:04:14.000 --> 01:04:18.000]  A kind guy, I don't need.
[01:04:18.000 --> 01:04:20.000]  I did have a question.
[01:04:20.000 --> 01:04:23.000]  Are you calling from a parking lot?
[01:04:23.000 --> 01:04:28.000]  I was just going to tell you I'm calling from a parking lot, but I'm at a public library,
[01:04:28.000 --> 01:04:30.000]  and I've got a library card.
[01:04:30.000 --> 01:04:32.000]  You think?
[01:04:32.000 --> 01:04:34.000]  Okay, you're good this time.
[01:04:34.000 --> 01:04:43.000]  For those of you who weren't listening when this happened, he called from a college parking lot after hours,
[01:04:43.000 --> 01:04:51.000]  and we were trying to get the college police to beat him into unconsciousness.
[01:04:51.000 --> 01:04:53.000]  But he got his way out of it.
[01:04:53.000 --> 01:04:55.000]  Anyway, okay.
[01:04:55.000 --> 01:05:01.000]  What do you have? Okay, where were you going?
[01:05:01.000 --> 01:05:06.000]  I'm going to this issue, Randy, which I think I brought up one of the time before,
[01:05:06.000 --> 01:05:14.000]  but I'm glad you got an expert here about notaries and such, and signatures in court documents.
[01:05:14.000 --> 01:05:18.000]  I mean a quick of the court documents.
[01:05:18.000 --> 01:05:27.000]  Some substitute trustee, let's just take it, there is a law firm that uses a couple of few specific names
[01:05:27.000 --> 01:05:32.000]  over and over in these substitute trustee deeds, right?
[01:05:32.000 --> 01:05:40.000]  And this person supposedly signing this name, signs in a similar fashion most of the time,
[01:05:40.000 --> 01:05:50.000]  and yet I have gone to different Texas counties to find the same person signing, not only not signing,
[01:05:50.000 --> 01:05:56.000]  with a totally different signature and rubber stamp.
[01:05:56.000 --> 01:06:01.000]  With the same attorney law firm.
[01:06:01.000 --> 01:06:03.000]  The same attorney law firm.
[01:06:03.000 --> 01:06:13.000]  Okay, that, John, are you familiar with any authorization?
[01:06:13.000 --> 01:06:14.000]  Wait, wait a minute.
[01:06:14.000 --> 01:06:21.000]  Are these signatures verified?
[01:06:21.000 --> 01:06:22.000]  Julius?
[01:06:22.000 --> 01:06:24.000]  Yeah, off the top of my head.
[01:06:24.000 --> 01:06:29.000]  There are substitute trustees, deeds, and I believe that they come...
[01:06:29.000 --> 01:06:37.000]  Okay, this is the affirmant, the one who signs the appointment of substitute trustee?
[01:06:37.000 --> 01:06:45.000]  Yes, this is the absolute, the substitute trustee which takes title of the property during a foreclosure.
[01:06:45.000 --> 01:06:52.000]  These are foreclosure sales, you know, the Texas law, you know, non-judicial foreclosures.
[01:06:52.000 --> 01:07:05.000]  That one, now I can't say that it must be verified because I haven't seen any statute that says it must be,
[01:07:05.000 --> 01:07:08.000]  but most of the ones that I see are.
[01:07:08.000 --> 01:07:12.000]  They're notarized, I know that for a fact.
[01:07:12.000 --> 01:07:15.000]  You know, they are notarized, okay?
[01:07:15.000 --> 01:07:20.000]  John, are you familiar with that particular issue?
[01:07:20.000 --> 01:07:23.000]  Yeah, there's no such thing as a rubber stamp.
[01:07:23.000 --> 01:07:27.000]  That person's got to be in front of you.
[01:07:27.000 --> 01:07:34.000]  A notary public is a public servant.
[01:07:34.000 --> 01:07:36.000]  Right, state of Texas.
[01:07:36.000 --> 01:07:40.000]  There's no such thing, you know, I've seen that rubber stamp literally,
[01:07:40.000 --> 01:07:45.000]  but that person's got to be in front of you, you cannot do it over the telephone.
[01:07:45.000 --> 01:07:51.000]  I know that one state, I think it was Colorado would do a video, but Texas will not.
[01:07:51.000 --> 01:07:58.000]  That person has to be in front of you and to sign the book, it's got to be on the up and up.
[01:07:58.000 --> 01:08:05.000]  Now then, if there's a document that's a forged acknowledgement,
[01:08:05.000 --> 01:08:09.000]  that means it's a forgery or they weren't there.
[01:08:09.000 --> 01:08:15.000]  When they found that construction notice, you know what that is?
[01:08:15.000 --> 01:08:21.000]  Okay, even though it's constructive notice and it's filed, that's also void.
[01:08:21.000 --> 01:08:24.000]  There's case law on that, so it's like a...
[01:08:24.000 --> 01:08:29.000]  Wait a minute, constructive notice, is that like what we were talking about earlier
[01:08:29.000 --> 01:08:38.000]  where I have these jurats that states that this person came before me
[01:08:38.000 --> 01:08:45.000]  and a word that this person's signature on this document.
[01:08:45.000 --> 01:08:48.000]  No, that's like any document you follow.
[01:08:48.000 --> 01:08:54.000]  Now, it doesn't say, yeah, it doesn't say I witnessed this person sign this document.
[01:08:54.000 --> 01:08:58.000]  It says this person swore that that was his signature.
[01:08:58.000 --> 01:09:00.000]  Yes, that...
[01:09:00.000 --> 01:09:04.000]  Is that a valid jurat?
[01:09:04.000 --> 01:09:07.000]  Yes.
[01:09:07.000 --> 01:09:15.000]  Because the jurat is saying that, yes, that's my signature.
[01:09:15.000 --> 01:09:19.000]  Okay, do they not have to sign it in front of the notary?
[01:09:19.000 --> 01:09:21.000]  No, they do have to sign it.
[01:09:21.000 --> 01:09:27.000]  The way I interpret what you're asking is, yes, that was my notarized signature,
[01:09:27.000 --> 01:09:29.000]  or that signature is mine.
[01:09:29.000 --> 01:09:36.000]  No, if I come to you, you're a notary and I come to you as a document, that's already signed.
[01:09:36.000 --> 01:09:38.000]  Oh, no, that will not work.
[01:09:38.000 --> 01:09:44.000]  And I swear, yeah, I swear on my oath, that's my signature.
[01:09:44.000 --> 01:09:47.000]  I signed it three days ago.
[01:09:47.000 --> 01:09:48.000]  No.
[01:09:48.000 --> 01:09:52.000]  I was at this meeting and it had to be signed at that time,
[01:09:52.000 --> 01:09:57.000]  and I signed it three days ago and I swear on my oath, I signed it.
[01:09:57.000 --> 01:09:59.000]  Can you verify that?
[01:09:59.000 --> 01:10:00.000]  No, definitely not.
[01:10:00.000 --> 01:10:02.000]  Case law already supports that.
[01:10:02.000 --> 01:10:04.000]  You've got to be in front of them.
[01:10:04.000 --> 01:10:06.000]  I don't have time to sign it.
[01:10:06.000 --> 01:10:07.000]  Perfect.
[01:10:07.000 --> 01:10:08.000]  Case law supports that.
[01:10:08.000 --> 01:10:09.000]  That's great.
[01:10:09.000 --> 01:10:20.000]  If I could get that case law, almost every set of documents that I've evaluated has that problem in it.
[01:10:20.000 --> 01:10:24.000]  Okay, did you understand what I meant by constructive motives?
[01:10:24.000 --> 01:10:29.000]  Like you go down there and file all mechanic's land or deed or something like that.
[01:10:29.000 --> 01:10:34.000]  File the court mechanic's office for deed records.
[01:10:34.000 --> 01:10:39.000]  If it's a forgery, even though you have constructive notice for the public,
[01:10:39.000 --> 01:10:47.000]  that's automatically going to have an issue as if it wasn't filed.
[01:10:47.000 --> 01:10:55.000]  Yeah, just because the document, the document becomes only constructive notice
[01:10:55.000 --> 01:10:57.000]  and not official notice.
[01:10:57.000 --> 01:11:01.000]  For instance, sometimes when people file these lawsuits,
[01:11:01.000 --> 01:11:09.000]  we tell them it's an original petition, so it has to be served on the lawyer.
[01:11:09.000 --> 01:11:13.000]  Or if it's a motion and you're out of time,
[01:11:13.000 --> 01:11:18.000]  it has to be, you have to mail it, certified mail to the lawyer.
[01:11:18.000 --> 01:11:27.000]  However, since you're kind of late, email it to the lawyer and that gives the lawyer constructive notice,
[01:11:27.000 --> 01:11:29.000]  but not actual notice.
[01:11:29.000 --> 01:11:36.000]  If he doesn't get that by certified mail, he can object and have the whole thing thrown out.
[01:11:36.000 --> 01:11:50.000]  And you're saying that a green file in the county record, if it's not verified or properly verified,
[01:11:50.000 --> 01:11:56.000]  then it is only constructive notice and not official notice.
[01:11:56.000 --> 01:11:59.000]  Am I saying that right?
[01:11:59.000 --> 01:12:03.000]  Official notice or construction is still void as if it hadn't been filed.
[01:12:03.000 --> 01:12:06.000]  I'm talking about a fork.
[01:12:06.000 --> 01:12:10.000]  Yeah, constructive notice has no force and effect.
[01:12:10.000 --> 01:12:16.000]  Only official notice in accordance with statute has force and effect.
[01:12:16.000 --> 01:12:17.000]  Yeah.
[01:12:17.000 --> 01:12:20.000]  Now, something has to be paid.
[01:12:20.000 --> 01:12:22.000]  Okay, go ahead.
[01:12:22.000 --> 01:12:30.000]  Yeah, so I'm saying just because the documents have been filed doesn't mean it has force and effect.
[01:12:30.000 --> 01:12:31.000]  Yes, that's correct.
[01:12:31.000 --> 01:12:34.000]  Yes, in there, and yes, it's a gave.
[01:12:34.000 --> 01:12:41.000]  It has the appearance of giving notice, but if it doesn't meet the statutory requirements,
[01:12:41.000 --> 01:12:46.000]  it cannot be relied on as giving force and effect to the notice.
[01:12:46.000 --> 01:12:47.000]  You're 100% right.
[01:12:47.000 --> 01:12:48.000]  Perfect.
[01:12:48.000 --> 01:12:50.000]  Now then, this is real important.
[01:12:50.000 --> 01:12:56.000]  As you, a notary has a seal that's called a notary seal.
[01:12:56.000 --> 01:13:01.000]  You'll notarize something and then you'll put the seal on it and you'll also sign it.
[01:13:01.000 --> 01:13:05.000]  When you sign it, that's your certificate of acknowledgement.
[01:13:05.000 --> 01:13:09.000]  Well, the state of Texas gave you that seal.
[01:13:09.000 --> 01:13:16.000]  And when you seal that, that's like really serious if it's a forgery and you know it's a forgery.
[01:13:16.000 --> 01:13:25.000]  And if you're doing a forgery for a third party, those third parties are involved in it.
[01:13:25.000 --> 01:13:38.000]  That goes to vicarious liability and in Chapter 7, Texas Penal Code defines culpability.
[01:13:38.000 --> 01:13:39.000]  Yes.
[01:13:39.000 --> 01:13:46.000]  And under culpability, if you act in concert and collusion, you are equally culpable.
[01:13:46.000 --> 01:13:50.000]  How do you know the banning?
[01:13:50.000 --> 01:13:58.000]  Even if you acted in concert and collusion toward the outcome of your action and you had
[01:13:58.000 --> 01:14:07.000]  no personal knowledge that the outcome of your action was criminal, that's not relevant.
[01:14:07.000 --> 01:14:11.000]  All crimes are thought crimes.
[01:14:11.000 --> 01:14:19.000]  And the crime does not go to whether or not you intended to commit a crime.
[01:14:19.000 --> 01:14:26.000]  All crimes go to mens reyes, to your mental intent.
[01:14:26.000 --> 01:14:35.000]  And the intent goes to not whether or not you committed a crime, but whether or not you
[01:14:35.000 --> 01:14:39.000]  intended the result of your actions.
[01:14:39.000 --> 01:14:41.000]  I'm going to bring up Chris.
[01:14:41.000 --> 01:14:46.000]  He's called back in and I had a specific question I wanted to ask Chris.
[01:14:46.000 --> 01:14:49.000]  Guys try to keep any background always down.
[01:14:49.000 --> 01:14:56.000]  I've got three people open at one time and Deborah would beat me half to death if she's
[01:14:56.000 --> 01:14:57.000]  listening.
[01:14:57.000 --> 01:15:04.000]  So to keep us a good archive, if we're not talking, be real quiet, otherwise we'll get
[01:15:04.000 --> 01:15:06.000]  real dicey here.
[01:15:06.000 --> 01:15:14.000]  Chris, we were talking about an assignment of a substitute trustee.
[01:15:14.000 --> 01:15:22.000]  And one thing I wasn't sure of is whether or not that particular document must be
[01:15:22.000 --> 01:15:23.000]  notarized.
[01:15:23.000 --> 01:15:26.000]  Do you know?
[01:15:26.000 --> 01:15:28.000]  We always do.
[01:15:28.000 --> 01:15:37.000]  If there's an assignment of a substitute trustee, when we get them, we always notarize them.
[01:15:37.000 --> 01:15:52.000]  Because any document they can get done without a notary involved, they just practice it.
[01:15:52.000 --> 01:15:53.000]  Okay, go ahead Chris.
[01:15:53.000 --> 01:15:57.000]  I'm muted about yourself for the moment.
[01:15:57.000 --> 01:15:59.000]  I'm getting a lot of background noise.
[01:15:59.000 --> 01:16:01.000]  Okay, go ahead Chris.
[01:16:01.000 --> 01:16:07.000]  And when, if they have a document that they do not need a notary on, they wouldn't even
[01:16:07.000 --> 01:16:09.000]  bother coming to us.
[01:16:09.000 --> 01:16:16.000]  Okay, so you're getting a lot of those.
[01:16:16.000 --> 01:16:23.000]  That's not enough for me to hang my hat on, but that's definitely enough for me to go
[01:16:23.000 --> 01:16:28.000]  do some searching.
[01:16:28.000 --> 01:16:32.000]  And if they're doing this and surely they're required to, I'm certain there's something
[01:16:32.000 --> 01:16:39.000]  in there, but it pretty well says that any document that affects a title has to be notarized.
[01:16:39.000 --> 01:16:42.000]  Come on guys, we're about to go to break.
[01:16:42.000 --> 01:16:44.000]  Chris, can you hang on?
[01:16:44.000 --> 01:16:46.000]  Yes, sir.
[01:16:46.000 --> 01:16:47.000]  Okay, good.
[01:16:47.000 --> 01:16:49.000]  Okay, this is Randy Kelton, Deborah Stephens.
[01:16:49.000 --> 01:16:55.000]  Eddie Craig, rule of law radio, our caller number, 512-646-1984.
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[01:19:02.000 --> 01:19:25.000]  Oh, come on.
[01:19:25.000 --> 01:19:37.000]  Yeah, I can't get everything I want.
[01:19:37.000 --> 01:19:38.000]  Okay, we are back.
[01:19:38.000 --> 01:19:40.000]  Randy Kelton, Debbie Stephens, Eddie Craig.
[01:19:40.000 --> 01:19:45.000]  We're live on radio, and we're talking to Chris in Texas.
[01:19:45.000 --> 01:19:48.000]  I'm going to bring John back up.
[01:19:48.000 --> 01:19:50.000]  Julius, I'll bring you up in a minute.
[01:19:50.000 --> 01:19:54.000]  I think that train was in your background, so I'm muted.
[01:19:54.000 --> 01:20:01.000]  As soon as I get done with Chris and John, then I'll come back to you, Julius.
[01:20:01.000 --> 01:20:03.000]  Okay, Julius.
[01:20:03.000 --> 01:20:04.000]  Julius, not Julius.
[01:20:04.000 --> 01:20:07.000]  Chris, Chris.
[01:20:07.000 --> 01:20:11.000]  You say that they always bring it to you.
[01:20:11.000 --> 01:20:12.000]  Yes, they always.
[01:20:12.000 --> 01:20:17.000]  What document?
[01:20:17.000 --> 01:20:23.000]  Are there any documents to your knowledge that are filed in the county record concerning real property
[01:20:23.000 --> 01:20:27.000]  that are, as a rule, not verified?
[01:20:27.000 --> 01:20:35.000]  No, because every one of those are called riders, and every rider needs a notarization.
[01:20:35.000 --> 01:20:37.000]  Okay, good, good.
[01:20:37.000 --> 01:20:49.000]  So as I look through these records, the one thing that is essentially consistent is that I have a juror at
[01:20:49.000 --> 01:21:01.000]  that just from looking at the document, it's generally very clear that the only riding on the juror at
[01:21:01.000 --> 01:21:06.000]  that is in the hand of the notary is the signature.
[01:21:06.000 --> 01:21:18.000]  We had a case in New Hampshire where when we got the case, they were right at the point of foreclosure.
[01:21:18.000 --> 01:21:21.000]  And I pulled out the records and started walking through them.
[01:21:21.000 --> 01:21:26.000]  They'd had a couple people look at it and everybody saying there's nothing they can do with it.
[01:21:26.000 --> 01:21:28.000]  So I pulled it out and I was looking at it.
[01:21:28.000 --> 01:21:46.000]  And everything on the juror at of the assignment was in an old, heavy hand with the uppercase characters.
[01:21:46.000 --> 01:21:57.000]  And you have uppercase, middle case, lower case, like Ys and Qs and things with lines that go below the baseline.
[01:21:57.000 --> 01:22:02.000]  And then you have Hs and Ts and Ls that go up high.
[01:22:02.000 --> 01:22:13.000]  If all of the letters are the same height, that's generally young people do that, teenagers, people who are still
[01:22:13.000 --> 01:22:16.000]  developing their personality.
[01:22:16.000 --> 01:22:20.000]  All of the writing on this document was in that sort of a hand.
[01:22:20.000 --> 01:22:22.000]  It was in a very heavy hand.
[01:22:22.000 --> 01:22:27.000]  It looked like they wrote it with a felt-tip pen.
[01:22:27.000 --> 01:22:36.000]  Except this signature of the notary, which was in a very fine, very well.
[01:22:36.000 --> 01:22:44.000]  It had unusual characters, which is an indication of intelligence.
[01:22:44.000 --> 01:22:50.000]  It was slanted forward, which the other one wasn't.
[01:22:50.000 --> 01:22:59.000]  And a graphologist would look at this and say, there is absolutely no question whatsoever that these two human beings are different.
[01:22:59.000 --> 01:23:05.000]  The only thing on that document in the notary's hand was the notary's signature.
[01:23:05.000 --> 01:23:07.000]  The notary's name was rubber stamped in.
[01:23:07.000 --> 01:23:10.000]  The date was rubber stamped in.
[01:23:10.000 --> 01:23:12.000]  I'm sorry, the date was the rubber stamped in.
[01:23:12.000 --> 01:23:14.000]  The date was in this hand.
[01:23:14.000 --> 01:23:15.000]  Let me back up.
[01:23:15.000 --> 01:23:20.000]  On this one, everything was in this hand except the signature.
[01:23:20.000 --> 01:23:22.000]  Problem.
[01:23:22.000 --> 01:23:29.000]  The assiette affirms the document on the 24th.
[01:23:29.000 --> 01:23:40.000]  The jurat, the notary, verified the document on the 23rd.
[01:23:40.000 --> 01:23:42.000]  So I looked at this.
[01:23:42.000 --> 01:23:52.000]  Obviously, exact same pen, exact same style, wrote all of this.
[01:23:52.000 --> 01:23:57.000]  How did this person forge this document?
[01:23:57.000 --> 01:24:21.000]  Write in the date of the signing, write it, sign the name, write in the state, the county, write in the name of the notary, write in the name of the affiant, the date of the jurat, and get the dates off.
[01:24:21.000 --> 01:24:32.000]  The question of notarizing two days after it was signed is one thing, but to notarize it a day before it was signed?
[01:24:32.000 --> 01:24:50.000]  I mean, I come across this kind of nonsense all the time, and it seems relatively clear on most all of these that the only thing the notary did was sign the document.
[01:24:50.000 --> 01:25:05.000]  Now, I've had a lot of documents notarized, and I bring the document, I put it in front of the notary, and I have never, ever had a notary take out a rubber stamp and stamp any printed name.
[01:25:05.000 --> 01:25:13.000]  I've never had him take out one of these little date stamps where you can roll the dates and months around and stamp the date in.
[01:25:13.000 --> 01:25:15.000]  Never, not once.
[01:25:15.000 --> 01:25:20.000]  They always just write it in, it only takes a second.
[01:25:20.000 --> 01:25:30.000]  Consistently, almost every one of the documents that I look at accept the date of trust.
[01:25:30.000 --> 01:25:49.000]  The deed of trust always tends to look like the exact kind of notaries that I get, or jurats that I get when I go to the bank or go to the city hall or sit down in front of an actual human being who verifies my document.
[01:25:49.000 --> 01:25:55.000]  They always write their name in, they write in the date, and they sign it.
[01:25:55.000 --> 01:26:05.000]  But every one of these is different, so my consideration is, is that they hire some entry-level person.
[01:26:05.000 --> 01:26:19.000]  They get them a note, we can tell them how important it is and what a great thing it is and how they help the company, and they sit them down and they say, okay, here's your stack of documents, sign all of these.
[01:26:19.000 --> 01:26:30.000]  And then when they need the document, they pull it off the shelf, and whoever does the affirmation feels in all this stuff.
[01:26:30.000 --> 01:26:37.000]  Chris, does that sound about, oh, wait a minute, I've got John, you're open, Chris.
[01:26:37.000 --> 01:26:39.000]  I'm sorry, I had you muted.
[01:26:39.000 --> 01:26:45.000]  Chris, John, does that sound about accurate?
[01:26:45.000 --> 01:26:48.000]  Well, I have a question, Randy.
[01:26:48.000 --> 01:26:50.000]  Okay.
[01:26:50.000 --> 01:27:11.000]  When you say a drought statement, a drought form, well, there's, we use what we call all-purpose acknowledgement, which is where you can notarize a document without having, what's that, Randy?
[01:27:11.000 --> 01:27:18.000]  Okay, a drought just means it's a legal term for verification or acknowledgement.
[01:27:18.000 --> 01:27:20.000]  They all fall under jurorate.
[01:27:20.000 --> 01:27:22.000]  Well, under jurorate.
[01:27:22.000 --> 01:27:24.000]  That's just a legal term for it.
[01:27:24.000 --> 01:27:26.000]  Jurorate and affidavit.
[01:27:26.000 --> 01:27:39.000]  Right, and we are supposed to swear the person in before we can notarize a drought or a drought.
[01:27:39.000 --> 01:27:49.000]  That's supposed to be your equivalent of acting as a officer of the court swearing in the person who's in front of you.
[01:27:49.000 --> 01:28:08.000]  Yeah, I know that requirement is there, but in terms of adjudicating that issue before the court, I don't think I would get much traction.
[01:28:08.000 --> 01:28:31.000]  Because they're going to say, in the spirit of verification, if you're in an office and you are a notary in this office and you notarize documents for this same person on a regular basis,
[01:28:31.000 --> 01:28:42.000]  if they have sworn once, it would be unreasonable to have them re-swear each and every time.
[01:28:42.000 --> 01:28:51.000]  You can take it as if it is under oath, like when a police officer writes a ticket.
[01:28:51.000 --> 01:28:57.000]  When he writes a ticket, it is considered to be under oath.
[01:28:57.000 --> 01:29:10.000]  Technically, you're right, and I would take on technical issues, but this one I don't think I would get traction on.
[01:29:10.000 --> 01:29:11.000]  Okay.
[01:29:11.000 --> 01:29:17.000]  Because, yeah, I think the judge would say, man, you are really nitpicking here.
[01:29:17.000 --> 01:29:28.000]  This goes strictly to technical, you know, verifying technical requirements and not so much to substance.
[01:29:28.000 --> 01:29:32.000]  The reason I was asking about...
[01:29:32.000 --> 01:29:33.000]  Okay.
[01:29:33.000 --> 01:29:34.000]  It's the reason...
[01:29:34.000 --> 01:29:35.000]  Okay.
[01:29:35.000 --> 01:29:37.000]  It's...
[01:29:37.000 --> 01:29:39.000]  I know we're going to...
[01:29:39.000 --> 01:29:40.000]  Okay.
[01:29:40.000 --> 01:29:41.000]  Okay, hang on.
[01:29:41.000 --> 01:29:43.000]  That music is suppressing you more.
[01:29:43.000 --> 01:29:45.000]  Okay, hang on.
[01:29:45.000 --> 01:29:48.000]  I will pick you up when we come back on the other side.
[01:29:48.000 --> 01:29:55.000]  This is Randy Kelton, Deborah Steven, Betty Craig, Rueville Radio, and this is turning into a good show.
[01:29:55.000 --> 01:30:00.000]  We will be right back on the other side.
[01:30:00.000 --> 01:30:01.000]  A noble lie.
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[01:30:06.000 --> 01:30:10.000]  Based on the damage pattern to the building, but the government seems impossible.
[01:30:10.000 --> 01:30:14.000]  The grand jury did not want to hear anything I had to say.
[01:30:14.000 --> 01:30:17.000]  Susan was made not to pursue any more of those individuals.
[01:30:17.000 --> 01:30:22.000]  Some of these columns were ripped up, shredded, tossed around.
[01:30:22.000 --> 01:30:26.000]  The people that did the things they did knew doggone well what they were doing.
[01:30:26.000 --> 01:30:31.000]  Expose the cover up now at aloboli.com.
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[01:32:00.000 --> 01:32:23.000]  Music
[01:32:23.000 --> 01:32:40.000]  Okay, we are back. Randy Kelton, Dennis Steedon, Daddy Craig, RoodiesL Radio, and we're talking to John in Texas and Chris.
[01:32:40.000 --> 01:32:44.000]  And Chris, so that Chris' stuff. Okay.
[01:32:44.000 --> 01:32:50.000]  John, okay, when we went out, we were...
[01:32:50.000 --> 01:32:57.000]  But the reason I was asking that question about the jurat is if you're saying that this is on a document...
[01:32:57.000 --> 01:33:00.000]  Oh, okay.
[01:33:00.000 --> 01:33:04.000]  But will we back up?
[01:33:04.000 --> 01:33:09.000]  Yeah, go ahead. That's what we were.
[01:33:09.000 --> 01:33:22.000]  The reason I was asking... Okay, when I use the term jurat, I'm just referring to a verification or an acknowledgement.
[01:33:22.000 --> 01:33:26.000]  Yeah, correct. It's just a legal term for that. Go ahead.
[01:33:26.000 --> 01:33:37.000]  We were talking about an example of where the borrowers were not present when this rubber stamp was put in place, correct?
[01:33:37.000 --> 01:33:39.000]  Exactly.
[01:33:39.000 --> 01:33:44.000]  Okay, that's why I was going more towards the... How did they swear, man?
[01:33:44.000 --> 01:33:49.000]  Wait, I'm sorry. Hold on.
[01:33:49.000 --> 01:33:55.000]  No, where I was going is the notary was not present.
[01:33:55.000 --> 01:34:05.000]  When someone... What I believe is happening is the notary is signing all these documents in blank.
[01:34:05.000 --> 01:34:19.000]  And the signatory, when he needs a notarized document, it's already been signed and stamped by...
[01:34:19.000 --> 01:34:25.000]  You have a blank document signed and stamped by the notary. He pulls it down and fills in all the information.
[01:34:25.000 --> 01:34:41.000]  And I think some of them were smarter than others in that some of them realized if I write in all of this stuff, somebody's going to look at it and figure out I've wrote in all this stuff.
[01:34:41.000 --> 01:34:52.000]  So they went out and got them one of these little roll around set-to-date rubber stamps and they had a rubber stamp made with the notary's name on it.
[01:34:52.000 --> 01:35:01.000]  So they could stamp in the printing section, stamp in the date that the notary would normally write in by hand.
[01:35:01.000 --> 01:35:02.000]  Okay.
[01:35:02.000 --> 01:35:06.000]  So I'm saying the notary wasn't present.
[01:35:06.000 --> 01:35:16.000]  That he didn't know anything about these and that's why we always request the notary's sequential literature.
[01:35:16.000 --> 01:35:18.000]  Okay, does that make sense?
[01:35:18.000 --> 01:35:21.000]  That makes sense.
[01:35:21.000 --> 01:35:28.000]  Okay, where were you going when I kind of interrupted you?
[01:35:28.000 --> 01:35:33.000]  I was thinking that we were talking about that the borrower was not present.
[01:35:33.000 --> 01:35:43.000]  But that makes sense. If you're saying that the notary wasn't present, that's just as much breaking the law as if the borrowers weren't present.
[01:35:43.000 --> 01:35:46.000]  That's right.
[01:35:46.000 --> 01:36:01.000]  Yeah, exactly. That's the way I'm looking at it. I'm looking at note after note after note and the note and the deed of trust.
[01:36:01.000 --> 01:36:21.000]  And this is advantageous to me and this is what I told Chris when we first started is I always want to ask the notary who verified the deed of trust, I'm going to demand his sequential ledger.
[01:36:21.000 --> 01:36:28.000]  And I'm going to get it because he was there and he did it right.
[01:36:28.000 --> 01:36:37.000]  And then I'm going to take his sequential ledger and I'm going to say to the court, I demanded this mentioned sequential ledger and he sent it to me.
[01:36:37.000 --> 01:36:50.000]  He was obviously there. He sat down in front of the borrower and the borrower signed the document and the notary verified his signature and he filled in the date.
[01:36:50.000 --> 01:37:08.000]  He wrote his name in print and then he signed his name in cursive and then he put his stamp on it. He filled out the sequential ledger, had the other party sign the sequential ledger, put his address in it, swear on his oath, do all these things he's supposed to do.
[01:37:08.000 --> 01:37:15.000]  And when I demanded his sequential letter, he sent it to me just like he was supposed to.
[01:37:15.000 --> 01:37:28.000]  They don't have all these others. They don't look like the one in the deed of trust. They got rubber stamps all over. They got everything in the same hand, not the notary's hand.
[01:37:28.000 --> 01:37:31.000]  They just don't look right.
[01:37:31.000 --> 01:37:39.000]  Randy, I was going to ask him for a sequential ledger and I didn't get it.
[01:37:39.000 --> 01:37:48.000]  So the notary on the deed of trust is my benchmark. Okay, go ahead. Oh, let me explain one thing, John.
[01:37:48.000 --> 01:37:59.000]  Deborah has equipment on this system so that if we're both speaking at the same time, it'll push you down under me.
[01:37:59.000 --> 01:38:09.000]  Sometimes if we're both speaking, if you try to speak, I'll hear you. I'll finish what I'm saying and stop and then you can speak.
[01:38:09.000 --> 01:38:16.000]  If you keep speaking, I can't hear you. Okay. You're good about that. You recognize that, I think.
[01:38:16.000 --> 01:38:23.000]  I wanted you to know how that worked. This is what the listener hears. Okay, go ahead.
[01:38:23.000 --> 01:38:30.000]  I forgot what I was going to say now. I have the same problem.
[01:38:30.000 --> 01:38:43.000]  You keep on calling it. It's the certificate of acknowledgement. The certificate is the part that is signed and then the notary seal has two parts to it.
[01:38:43.000 --> 01:38:51.000]  And you've got to put the seal on it or it's void. Even though you signed it, you've got to have that seal.
[01:38:51.000 --> 01:38:59.000]  Right. And we always have the seal. We always have the signature of the notary.
[01:38:59.000 --> 01:39:02.000]  Yes.
[01:39:02.000 --> 01:39:20.000]  Where the issue comes in is where the notary would normally print the notary's name and where the notary would normally write in the date that he put the stamp on the document.
[01:39:20.000 --> 01:39:37.000]  I have those in rubber stamps or I have them in writing that is clearly the hand of the signatory on the affirmation.
[01:39:37.000 --> 01:39:55.000]  And this raises the question. And I find this on almost every single document I've looked at except the deed of trust.
[01:39:55.000 --> 01:40:11.000]  And that's why I always demanded the ledger from the deed of trust because I always get it and this sets up the others. But this show has been for me especially good.
[01:40:11.000 --> 01:40:12.000]  Randy.
[01:40:12.000 --> 01:40:15.000]  Because, yes.
[01:40:15.000 --> 01:40:26.000]  I would be willing to bet the farm you'll never get a sequential journal from a bank notary because they don't have it.
[01:40:26.000 --> 01:40:35.000]  Now what do you mean a bank notary? Are you talking about vendor notary? If I go down to the bank, vendor, okay good.
[01:40:35.000 --> 01:40:45.000]  Because if I go to Wells Fargo and that's not the bank I use and I need a notary, they will always fill out that ledger.
[01:40:45.000 --> 01:40:59.000]  And you are right. We have never gotten a sequential ledger from anyone other than the notary on the deed of trust.
[01:40:59.000 --> 01:41:08.000]  And from what you've told me today, if you listen to the show, I get a lot of issues.
[01:41:08.000 --> 01:41:22.000]  But I try to always tell people when I haven't fetted them out, haven't researched them all out, I don't raise all the issues that I have because I haven't researched them.
[01:41:22.000 --> 01:41:36.000]  And the notary issue has been one that I knew was very fertile, but I hadn't had time to go in and do this kind of research.
[01:41:36.000 --> 01:41:41.000]  So for me, this show has been very valuable.
[01:41:41.000 --> 01:41:51.000]  John, will you send me an email so that I have your return email so that we can talk when we have more time offline?
[01:41:51.000 --> 01:41:58.000]  Okay. One thing I'd like to add, when you say bank notary, there's no such thing.
[01:41:58.000 --> 01:42:02.000]  The individual that works for the bank is a notary.
[01:42:02.000 --> 01:42:07.000]  Yeah, exactly, exactly. You're right. That's exactly what I meant.
[01:42:07.000 --> 01:42:15.000]  It's an individual notary that happens to work for the bank and they will provide notary services for free.
[01:42:15.000 --> 01:42:19.000]  And they really hate it when I bring in 50 documents at a time.
[01:42:19.000 --> 01:42:27.000]  And if that employee leaves, that book goes with that employee, it does not stay at the bank.
[01:42:27.000 --> 01:42:28.000]  Right, but if they are notary...
[01:42:28.000 --> 01:42:30.000]  Exactly.
[01:42:30.000 --> 01:42:33.000]  If they are notarized in documents for corporations...
[01:42:33.000 --> 01:42:35.000]  Now, if the...
[01:42:37.000 --> 01:42:42.000]  Wait a minute, John, you're fading on us.
[01:42:42.000 --> 01:42:43.000]  Who's fading?
[01:42:43.000 --> 01:42:49.000]  Okay, hang on, John, I think your internet is kind of fading out. It should come back in a second.
[01:42:49.000 --> 01:43:03.000]  If you can hear me, there is an issue on that and I forgot what it was because I'm getting old and forgetful.
[01:43:03.000 --> 01:43:13.000]  Yeah, I go to the notary and when I go to the bank, I realize that the bank... Oh, I remember what it was.
[01:43:13.000 --> 01:43:27.000]  If a notary ceases to be a notary, as I understand, they are required to forward their sequential ledger to the secretary of state.
[01:43:27.000 --> 01:43:28.000]  That's correct.
[01:43:28.000 --> 01:43:29.000]  Is that correct?
[01:43:29.000 --> 01:43:32.000]  Yes, that is correct.
[01:43:32.000 --> 01:43:37.000]  So it's that way in California as well, but those two...
[01:43:37.000 --> 01:43:41.000]  We do a lot with Texas and California, so...
[01:43:41.000 --> 01:43:44.000]  I'm glad to hear that that's a requirement.
[01:43:44.000 --> 01:43:46.000]  Okay, hang on, we'll be right back.
[01:43:46.000 --> 01:43:50.000]  This is Randy Kelton, Debra Steven, David Craig.
[01:43:50.000 --> 01:43:54.000]  We'll have all radio, we'll be right back.
[01:43:54.000 --> 01:44:05.000]  It is so enlightening to listen to 90.1 FM, but finding things on the internet isn't so easy.
[01:44:05.000 --> 01:44:08.000]  And neither is finding like-minded people to share it with.
[01:44:08.000 --> 01:44:11.000]  Oh, well, I guess you haven't heard of Brave New Books then.
[01:44:11.000 --> 01:44:12.000]  Brave New Books?
[01:44:12.000 --> 01:44:19.000]  Yes, Brave New Books has all the books and DVDs you're looking for by authors like Alex Jones, Ron Paul, and G. Edward Griffin.
[01:44:19.000 --> 01:44:24.000]  They even stock Interfood, Berkey products, and Calvin Soaps.
[01:44:24.000 --> 01:44:26.000]  There's no way a place like that exists.
[01:44:26.000 --> 01:44:27.000]  Go check it out for yourself.
[01:44:27.000 --> 01:44:31.000]  It's downtown at 1904 Guadalupe Street, just south of UT.
[01:44:31.000 --> 01:44:33.000]  Oh, by UT?
[01:44:33.000 --> 01:44:35.000]  There's never anywhere to park down there.
[01:44:35.000 --> 01:44:43.000]  Actually, they now offer a free hour of parking for paying customers at the 500 MLK parking facility just behind the bookstore.
[01:44:43.000 --> 01:44:46.000]  It does exist, but when are they open?
[01:44:46.000 --> 01:44:51.000]  Monday through Saturday, 11 a.m. to 9 p.m. and 1 to 6 p.m. on Sundays.
[01:44:51.000 --> 01:45:20.000]  So give them a call at 512-480-2503 or check out their events page at bravenewbookstore.com.
[01:45:22.000 --> 01:45:27.000]  Thousands have won with our step-by-step course, and now you can too.
[01:45:27.000 --> 01:45:33.000]  Jurisdictionary was created by a licensed attorney with 22 years of case-winning experience.
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[01:46:25.000 --> 01:46:40.000]  Okay, we are back. Randy Kelton, Dennis Stevens, Eddie Gray, rule of law radio.
[01:46:40.000 --> 01:46:50.000]  Before we go back to John and Chris, I'm hoping everybody listening is getting what we're doing here.
[01:46:50.000 --> 01:47:03.000]  There's always something you can do, and you and I, and most everybody here, we're not lawyers.
[01:47:03.000 --> 01:47:11.000]  We're not judges. We don't live inside the same box they live in.
[01:47:11.000 --> 01:47:19.000]  Lawyers are very reluctant to go into court and make a claim they haven't made before.
[01:47:19.000 --> 01:47:24.000]  They're very reluctant to file a motion they haven't filed before.
[01:47:24.000 --> 01:47:34.000]  Judges and lawyers hate process because process don't have that problem.
[01:47:34.000 --> 01:47:39.000]  Lawyers are extremely careful because they could get the bar card pulled.
[01:47:39.000 --> 01:47:43.000]  They're expected to be learning counsel.
[01:47:43.000 --> 01:47:51.000]  Now, they know they don't know squat, but they're expected to be learning counsel,
[01:47:51.000 --> 01:47:59.000]  so they have to put on airs and ask like they know everything, but in their heart they know they don't.
[01:47:59.000 --> 01:48:03.000]  And that's why they don't want to do anything they haven't done before.
[01:48:03.000 --> 01:48:10.000]  They don't want any surprises. They don't have time to do all of this research that we're doing.
[01:48:10.000 --> 01:48:18.000]  So what we're doing here today is the kind of thing the lawyers just don't have time to do.
[01:48:18.000 --> 01:48:30.000]  If they're going to pay 40 grand a year for malpractice insurance, pay their secretaries, paralegals, private investigators,
[01:48:30.000 --> 01:48:44.000]  BMW, all these costs, their student loan, which is like a mortgage, they don't have time for all this stuff.
[01:48:44.000 --> 01:48:52.000]  They got to build clients. They got to crank clients through the system, churn the system, churn out as much money as they can.
[01:48:52.000 --> 01:49:01.000]  They don't have time for all this annoying down and dirty legal research.
[01:49:01.000 --> 01:49:06.000]  That gives us an incredible advantage.
[01:49:06.000 --> 01:49:20.000]  And here where we can, we're addressing an issue where we could well start filing felony criminal complaints against the actors,
[01:49:20.000 --> 01:49:33.000]  that is going to terrify these guys. And one thing I have found talking to lawyers, they are more afraid of the system than you are.
[01:49:33.000 --> 01:49:41.000]  And they have good reason to. Most lawyers start out as court appointed counsel.
[01:49:41.000 --> 01:49:51.000]  And they represent clients in criminal matters. You know, unless the lawyer graduates top of his class and gets picked up by a law firm,
[01:49:51.000 --> 01:50:00.000]  otherwise he goes out and does criminal. And he sees the system screw these guys' loyal.
[01:50:00.000 --> 01:50:10.000]  And he knows, he sees them screwed lawyers' loyal. When a lawyer gets accused of a crime, he gets screwed like everybody else.
[01:50:10.000 --> 01:50:19.000]  So they are terrified of the system. They're more afraid of the system than you are and have good reason to be.
[01:50:19.000 --> 01:50:31.000]  So when we come in with issues they haven't had to adjudicate before, and it's easy for us to do that because lawyers don't adjudicate issues that haven't been adjudicated before.
[01:50:31.000 --> 01:50:43.000]  Because they don't have time to do all this research and come up with new pleadings and make absolutely sure that they're not arguing an issue that's already been adjudicated.
[01:50:43.000 --> 01:50:53.000]  Because if they do, they can be sanctioned for that and the judge can take the bar card. And lawyers are terrified of judges.
[01:50:53.000 --> 01:51:07.000]  You and I, we're a process. We don't have a bar card for that judge to take. And we're the process.
[01:51:07.000 --> 01:51:20.000]  It is our job to ensure that that judge acts within the limits of his authority. If he don't, we will kick his behind every way from Sunday.
[01:51:20.000 --> 01:51:30.000]  Judges hate pros and litigants. They hate pros and litigants for exactly what we're doing right now.
[01:51:30.000 --> 01:51:46.000]  This is, for me, has been a great show. These are issues I can take into court and not take them in directly, but take them in obliquely.
[01:51:46.000 --> 01:52:02.000]  Under discovery, ask questions going to, where were you, Mr. Notary, on this day? What were you doing on this day?
[01:52:02.000 --> 01:52:17.000]  If we do this right, they're going to say, oh, crap. They know the answer already. They know I wasn't where I claimed to be. And they're going to try to get me put in prison.
[01:52:17.000 --> 01:52:27.000]  That gets the Notary to run to the person who got him to do this and say, look, these guys are trying to get me put in prison for doing what you told me to do.
[01:52:27.000 --> 01:52:41.000]  You better do something. And this is kind of politics we're talking about. John, Chris, do you have any more comments or questions or issues you'd like to talk to us about?
[01:52:41.000 --> 01:52:47.000]  Yeah, Randy. This is Chris.
[01:52:47.000 --> 01:52:49.000]  Did I lose you guys?
[01:52:49.000 --> 01:52:51.000]  No, you still have me.
[01:52:51.000 --> 01:52:52.000]  Go ahead, Chris.
[01:52:52.000 --> 01:52:53.000]  Okay, go ahead.
[01:52:53.000 --> 01:53:16.000]  Okay, the issue I was calling back in about was, I don't know if it's something you could get the courts to adjudicate, but I'm sure you're aware under TILLA or REST for One, it requires that the borrower have a copy of the papers, seven days prior to signing them.
[01:53:16.000 --> 01:53:20.000]  And I know that every Notary that is into this business...
[01:53:20.000 --> 01:53:22.000]  Three days?
[01:53:22.000 --> 01:53:23.000]  Yes, three days.
[01:53:23.000 --> 01:53:24.000]  Okay, three days.
[01:53:24.000 --> 01:53:25.000]  Yes, three days.
[01:53:25.000 --> 01:53:27.000]  That never happened either.
[01:53:27.000 --> 01:53:30.000]  Yeah, we know that.
[01:53:30.000 --> 01:53:42.000]  Okay, what the courts are saying about whole potato respa is that the legislature created consumer protection laws. They're not constitutional.
[01:53:42.000 --> 01:53:57.000]  Since the legislature created them, the legislature has authority to limit the remedy.
[01:53:57.000 --> 01:54:08.000]  They created the remedy so they can limit your ability to express the remedy, and they limited it to one, two, and three years, effectively depending on which one it is.
[01:54:08.000 --> 01:54:16.000]  So the consumer protection laws in this case were really kind of a facade.
[01:54:16.000 --> 01:54:30.000]  The legislature appeared to create this protection, but they set such a short statute of limitations that it turned out to be worthless.
[01:54:30.000 --> 01:54:45.000]  However, if you go to Covenant 15 of the Deed of Trust, it may be 14 or 16, it sometimes moves around depending on the stuff they had or take away.
[01:54:45.000 --> 01:54:50.000]  But this one goes to the requirement on notices.
[01:54:50.000 --> 01:55:07.000]  And in the Deed of Trust, it requires the lender to provide all notices to the borrower by certified mail.
[01:55:07.000 --> 01:55:16.000]  We don't care what whole potato respa says, other than it says you must provide these notices.
[01:55:16.000 --> 01:55:25.000]  The whole potato respa doesn't tell you you have to provide them by certified mail, but the Deed of Trust does.
[01:55:25.000 --> 01:55:31.000]  And the Deed of Trust doesn't have a one, two, and three-year statute of limitations.
[01:55:31.000 --> 01:55:35.000]  It's permanent. It's for the life of the note.
[01:55:35.000 --> 01:55:41.000]  So we don't claim whole potato respa under whole potato respa.
[01:55:41.000 --> 01:55:53.000]  We claim the requirement to make the notice and the failure to make the notice as a breach of the Covenant of the Deed of Trust, so we can get back in that door.
[01:55:53.000 --> 01:55:56.000]  Does that make sense, Chris?
[01:55:56.000 --> 01:56:07.000]  That makes sense, because I was going to say that, you know, I do these things all the time, and most of the time the borrower is unaware that they're about to sign.
[01:56:07.000 --> 01:56:17.000]  Exactly. And this is an argument we started out making when Chris and I first started doing this.
[01:56:17.000 --> 01:56:33.000]  We argued these issues that the borrower came to the table and the closing trustee put a stack of documents in front of the borrower an inch and a half high that he had never seen before.
[01:56:33.000 --> 01:56:46.000]  And expected him to read all of these and make rational decisions based on a mountain of legal speak.
[01:56:46.000 --> 01:56:52.000]  And this was done intentionally to do what in psychology we call a reality stack.
[01:56:52.000 --> 01:56:56.000]  You get the mind busy chasing a bunch of irrelevant details.
[01:56:56.000 --> 01:57:00.000]  Most of these notices are irrelevant.
[01:57:00.000 --> 01:57:03.000]  They mean nothing.
[01:57:03.000 --> 01:57:24.000]  And it could well be that the lenders had themselves required to file these notices so they could put them in front of the borrower and just create a reality stack.
[01:57:24.000 --> 01:57:32.000]  They get too many facts in front of him. The mind can only hold seven plus or minus two pieces of information at one time.
[01:57:32.000 --> 01:57:41.000]  And they just fog the mind and bog you down with all these irrelevant details and then you put the beating trust in front of you.
[01:57:41.000 --> 01:57:48.000]  They got your brain turned into a sponge, a saturated sponge.
[01:57:48.000 --> 01:57:52.000]  And then they put this fraudulent beating trust in front of you.
[01:57:52.000 --> 01:57:58.000]  Okay, we thought that we made those arguments, but of course just tossed them.
[01:57:58.000 --> 01:58:01.000]  You couldn't get the judges to move on them.
[01:58:01.000 --> 01:58:08.000]  Granted, we had the right to appeal and all that out, but we were trying to get more efficient remedy.
[01:58:08.000 --> 01:58:19.000]  That's why we started going to stop going to those places and are trying to go to places that are harder for the judges to rule against us.
[01:58:19.000 --> 01:58:26.000]  So that when they try to rule against us, we can take them to the federal court or to the criminal courts.
[01:58:26.000 --> 01:58:32.000]  I am sorry we are totally out of time. This show is much too fast for me.
[01:58:32.000 --> 01:58:35.000]  Thank you all for listening. Thank you, Chris.
[01:58:35.000 --> 01:58:39.000]  Thank you, John and Julius. I am sorry I didn't get back to you.
[01:58:39.000 --> 01:58:45.000]  If you were calling next Thursday, I'll take you first and let you talk all you want to.
[01:58:45.000 --> 01:58:49.000]  I'm ready to help Deborah Stevenson, David Craig, and use our radio.
[01:59:16.000 --> 01:59:20.000]  Or visit us online at bfa.org.
[01:59:20.000 --> 01:59:29.000]  This translation is highly accurate and it comes with over 13,000 cross references, plus charts and maps and an outline for every book of the Bible.
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[01:59:32.000 --> 01:59:49.000]  To get your free copy of the New Testament recovery version, call us toll free at 888-551-0102. That's 888-551-0102. Or visit us online at bfa.org.