[00:00.000 --> 00:05.840]  The following use flash is brought to you by the Lone Star Lowdown, providing your jelly
[00:05.840 --> 00:13.480]  bulletins for the commodities market, today in history, news updates, and the inside scoop
[00:13.480 --> 00:21.320]  into the tides of the alternative.
[00:21.320 --> 00:27.560]  Markets for the 16th of October 2015 opened up with gold at $1,182.05 an ounce, silver
[00:27.560 --> 00:34.520]  at $16.09 an ounce, Texas crude at $46.38 a barrel, and Bitcoin is on its way up, currently
[00:34.520 --> 00:44.120]  sitting at roughly $265 U.S. currency.
[00:44.120 --> 00:49.480]  Today in history, Wednesday, October 16, 2013, the United States ends its 16-day governmental
[00:49.480 --> 00:54.160]  shutdown and avoids default on its debt by raising the debt ceiling and incurring more
[00:54.160 --> 01:00.800]  debt in a bipartisan Senate quagmire.
[01:00.800 --> 01:05.400]  In recent news, a natural gas pipeline explosion in Encino, South Texas, 25 miles north of
[01:05.400 --> 01:10.520]  Laredo, has forced dozens of people from their homes and canceled classes at a nearby school.
[01:10.520 --> 01:14.600]  City Manager Velma De Villa says that for safety reasons, 30 to 40 people who lived
[01:14.600 --> 01:18.960]  near the pipeline evacuated the city hall, stated that classes would be canceled for
[01:18.960 --> 01:23.920]  today at Encino Elementary School, which is only about 500 yards from the pipeline.
[01:23.920 --> 01:27.920]  Gas to the line has obviously been cut, and the fire was allowed to burn itself out.
[01:27.920 --> 01:32.160]  The pipeline operator, San Antonio-based Lewis Energy Group, says that the fire happened
[01:32.160 --> 01:35.320]  around 4.15 a.m. Central Standard Time Friday morning.
[01:35.320 --> 01:37.840]  Luckily, nobody was hurt in the blast.
[01:37.840 --> 01:43.760]  Authorities are seeking the cause.
[01:43.760 --> 01:47.280]  The chief executive officers of 10 of the world's largest oil and gas companies, which
[01:47.280 --> 01:51.400]  together provide almost a fifth of all the oil and gas production and supply nearly 10
[01:51.400 --> 01:54.960]  percent of the world's energy, declared today their collective support for an effective
[01:54.960 --> 01:58.840]  climate change agreement to be reached at next month's 21st session of the United Nations
[01:58.840 --> 02:03.960]  Conference of Parties to the U.N. Framework on Climate Change, or Copenhagen 21.
[02:03.960 --> 02:07.840]  The CEOs of the 10 companies that currently make up the Oil and Gas Climate Initiative,
[02:07.840 --> 02:15.280]  or OGCI, are the BG Group, BP, ENI, Pemex, Reliance Industries, Repsol, Saudi Aramco,
[02:15.280 --> 02:17.920]  Shell, and Statoil and Total.
[02:17.920 --> 02:22.560]  Confirmed in their declaration the following, quote, �Our shared ambition is for a 2 degrees
[02:22.560 --> 02:23.560]  Celsius future.
[02:23.560 --> 02:25.960]  It is a challenge for the whole of society.
[02:25.960 --> 02:27.440]  We are committed to playing our part.
[02:27.440 --> 02:30.600]  Over the coming years, we will collectively strengthen our actions and investments to
[02:30.600 --> 02:35.120]  contribute to reducing the greenhouse gas intensity of a global energy mix.
[02:35.120 --> 02:38.400]  Our companies will collaborate in a number of areas with the aim of going beyond the
[02:38.400 --> 02:40.480]  sum of our individual efforts.�
[02:40.480 --> 02:45.920]  The OGCI was established following the discussions held during the January 2014 World Economic
[02:45.920 --> 02:51.160]  Forum annual meetings, and was officially launched at the September 2014 U.N. Climate
[02:51.160 --> 02:52.160]  Summit.
[02:52.160 --> 03:16.040]  This has been your Lowdown for October 16, 2015.
[03:22.160 --> 03:48.400]  This is Randy Kelton on this Friday, the 16th day of October 2015.
[03:48.400 --> 03:50.280]  For me it's a special day.
[03:50.280 --> 03:56.720]  I get to call my mama and wish her a 49th birthday.
[03:56.720 --> 04:02.400]  I called her last year and wished her a 39th birthday, and she was concerned that I got
[04:02.400 --> 04:04.760]  that backwards.
[04:04.760 --> 04:08.160]  But I assured her I like it better this way, it makes me sound younger.
[04:08.160 --> 04:16.400]  But yeah, my mama turns 94 today, and since we got her those new knees, we can't keep
[04:16.400 --> 04:23.600]  her from chasing the truck drivers, and she never finds me quite as funny as I do.
[04:23.600 --> 04:32.040]  Okay, to the show, caller boards are open, call in number 512-646-1984, and it looks
[04:32.040 --> 04:35.000]  like we already have a caller up.
[04:35.000 --> 04:39.160]  If I run out of callers, there is something I wanted to talk about, and that's pre-litigation
[04:39.160 --> 04:40.160]  discovery.
[04:40.160 --> 04:49.240]  We talked about it some last night, but as I'm looking at it, especially in Texas, it
[04:49.240 --> 04:52.160]  comes up a holy mackerel.
[04:52.160 --> 04:57.200]  Have we been missing something really important?
[04:57.200 --> 05:05.320]  We primarily, when we file an action in a foreclosure case, the primary thing you go
[05:05.320 --> 05:10.240]  after is standing, because that's the biggest problem the banks have.
[05:10.240 --> 05:20.040]  They secured the note in the security instrument, and then they converted the right to be paid
[05:20.040 --> 05:22.400]  into an income stream and sold it off.
[05:22.400 --> 05:32.920]  It's called, in ordinary commercial terms, that's called factoring, where you have receipts,
[05:32.920 --> 05:39.560]  and you've got accounts receivable, and you've got accounts payable, and your accounts payable
[05:39.560 --> 05:43.480]  is out running your accounts receivable, and you can't pay your bills, so you go to the
[05:43.480 --> 05:46.960]  bank and ask them if they'll buy your accounts receivable.
[05:46.960 --> 05:47.960]  They buy it.
[05:47.960 --> 05:52.680]  They give you some money, and then when the money comes in from the accounts receivable,
[05:52.680 --> 05:53.680]  they get to keep it.
[05:53.680 --> 05:59.240]  Well, that's what to do with your right to be paid on the note, and that's what they
[05:59.240 --> 06:05.120]  call securitization, and in doing that, they sell the note back and forth, transfer it
[06:05.120 --> 06:08.920]  all over the place, and they don't do the proper notifications.
[06:08.920 --> 06:11.120]  They haven't for the last 15 years.
[06:11.120 --> 06:22.120]  They haven't kept a correct and complete chain of title, and when we file suit against them,
[06:22.120 --> 06:31.800]  they fight like tigers to keep us from getting to discovery, well, it turns out, at least
[06:31.800 --> 06:39.640]  in Texas, we can do discovery before we ever file suit, and it changes everything.
[06:39.640 --> 06:44.800]  We have a couple callers, got a full call board already, so I'll talk about that later
[06:44.800 --> 06:45.800]  if we get time.
[06:45.800 --> 06:50.160]  Maybe we'll get the caller, call again, we did last night, who had an issue that went
[06:50.160 --> 06:55.280]  right to pre-litigation discovery, a topic I really want to discuss.
[06:55.280 --> 06:59.120]  Okay, we're going to go to Ms. Leslie in Pennsylvania.
[06:59.120 --> 07:06.640]  She sent me a document that I read over, and I must not have, I didn't have time to understand
[07:06.640 --> 07:12.760]  it because I only had about 10 minutes, but it appears to be quite substantial.
[07:12.760 --> 07:13.760]  Ms. Leslie.
[07:13.760 --> 07:17.400]  Yeah, hi.
[07:17.400 --> 07:23.360]  How are you today?
[07:23.360 --> 07:27.440]  I think we may have, oh, she just dropped off.
[07:27.440 --> 07:32.240]  Okay, if you can hear me, call back.
[07:32.240 --> 07:35.120]  Your line dropped as soon as I went to you.
[07:35.120 --> 07:41.320]  Oh, there she goes, she's coming back in, so I'll go back, maybe we'll get a better connection.
[07:41.320 --> 07:42.320]  Hello, Ms. Leslie.
[07:42.320 --> 07:44.320]  Hi, how are you?
[07:44.320 --> 07:46.200]  Oh, much better.
[07:46.200 --> 07:54.040]  Now you're, that's a much better signal, so, okay, you sent me this document, and I read
[07:54.040 --> 07:59.600]  it to be about door-to-door salesmen, and I'm thinking, you know, sometimes they come
[07:59.600 --> 08:02.080]  to the house and do the closing.
[08:02.080 --> 08:14.200]  So is it your position that this particular statute, it's 16 CFR 429, that it also goes
[08:14.200 --> 08:24.320]  to salesmen or brokers selling a mortgage loan to a consumer?
[08:24.320 --> 08:28.120]  Yes, it does.
[08:28.120 --> 08:38.320]  If they don't give you an Attila notice to cancel, it absolutely covers it.
[08:38.320 --> 08:49.280]  And in Pennsylvania, it gives you triple damages under the following, engaging in other fraudulent
[08:49.280 --> 08:57.800]  or deceptive conduct, which creates a likelihood of confusion or misunderstanding.
[08:57.800 --> 09:02.320]  And that sounds like it's talking about the deed of trust.
[09:02.320 --> 09:03.320]  Yeah.
[09:03.320 --> 09:10.480]  Well, no reasonable person can make sense of that thing.
[09:10.480 --> 09:23.880]  So okay, I've got 16 CFR 429 here, and what it says is that if someone is selling directly
[09:23.880 --> 09:30.320]  to the consumer, one person selling to the consumer, and that's like I had a salesman
[09:30.320 --> 09:36.640]  knock on the door today wanting to sell me a different electric company.
[09:36.640 --> 09:44.200]  And they do this because you can get people to do things in a face-to-face meeting that
[09:44.200 --> 09:51.880]  you wouldn't be able to get them to do through a radio or television or newspaper advertisement.
[09:51.880 --> 09:57.800]  You can apply certain types of pressures that you can't apply through the media.
[09:57.800 --> 10:08.520]  And it appeared to me that this legislation went to people being pressured into a purchase
[10:08.520 --> 10:10.680]  contract.
[10:10.680 --> 10:21.560]  And specifically that if this one says that if the purchase price is greater than $25
[10:21.560 --> 10:31.120]  or greater, then they must provide the buyer directly with notice that they can rescind
[10:31.120 --> 10:36.480]  the contract within three business days from the date of the sales transaction.
[10:36.480 --> 10:43.280]  Now that's always been a requirement in a mortgage transaction.
[10:43.280 --> 10:48.720]  So I didn't get to read this as carefully as I'd like.
[10:48.720 --> 10:56.080]  Leslie, are you saying this, is this something new or just something that we haven't been
[10:56.080 --> 10:57.080]  paying attention to?
[10:57.080 --> 11:00.080]  This has been since the 1960s.
[11:00.080 --> 11:01.080]  Oh.
[11:01.080 --> 11:14.240]  And what I sent you, the document, the PDF, was the Congressional Register when they last
[11:14.240 --> 11:20.280]  amended it, and they amended it to include refinance mortgages.
[11:20.280 --> 11:26.120]  Oh, I missed that part.
[11:26.120 --> 11:28.080]  Yeah.
[11:28.080 --> 11:32.880]  So and this only goes to the three-day notice.
[11:32.880 --> 11:39.160]  Does it stipulate in this, now this is a CFR.
[11:39.160 --> 11:43.600]  Now, pick this out of the room.
[11:43.600 --> 11:44.600]  Pardon me?
[11:44.600 --> 11:50.000]  Texas has their own under the business and commerce.
[11:50.000 --> 11:52.880]  This one's code of federal regulation.
[11:52.880 --> 11:58.120]  So for those who've been listening pretty regularly, you may remember Jeff Sedgwick
[11:58.120 --> 12:03.120]  talking about the Chevron deference case.
[12:03.120 --> 12:13.240]  And this is Chevron, USAV, some environmental protection company.
[12:13.240 --> 12:23.720]  And the case was such that Chevron sued because the EPA required a type of scrubber.
[12:23.720 --> 12:29.640]  And I take that to mean a smokestack scrubber.
[12:29.640 --> 12:36.240]  That the scrubber they were using was adequate for current situations, but it wouldn't reduce
[12:36.240 --> 12:37.240]  the pollution.
[12:37.240 --> 12:40.720]  It would keep the pollution from increasing, but wouldn't reduce it.
[12:40.720 --> 12:51.080]  Because the EPA interpreted the construction of the statute to mean that they should put
[12:51.080 --> 12:54.480]  in requirements to reduce in the future.
[12:54.480 --> 12:58.280]  And they sued and the federal court said, no, no, no, that's not what the legislature
[12:58.280 --> 13:03.080]  meant that the CFR was overreaching.
[13:03.080 --> 13:14.640]  And what the Supreme said was that when there is a regulatory agency and the legislature
[13:14.640 --> 13:24.880]  fails to specifically address a particular aspect of an application of a set of statutes,
[13:24.880 --> 13:33.480]  that the legislature specifically delegates authority to interpret the statutes to the
[13:33.480 --> 13:38.320]  regulatory agency, not the courts.
[13:38.320 --> 13:45.600]  And the courts have no power to overrule the regulatory agency.
[13:45.600 --> 13:50.200]  That's why I'm saying this is a CFR.
[13:50.200 --> 13:57.200]  This is something the courts can't second guess.
[13:57.200 --> 14:05.220]  That's what Chevron deference was, is that the courts have to give deference to the determinations
[14:05.220 --> 14:09.520]  of the regulatory agency and they may not overrule them.
[14:09.520 --> 14:15.000]  The district courts may not overrule them at all.
[14:15.000 --> 14:23.520]  The appeals court can overrule them in two very narrowly defined circumstances and one
[14:23.520 --> 14:36.680]  where the ruling of the agency is manifestly misapplies the statute or the application
[14:36.680 --> 14:39.480]  of the statute is unconstitutional.
[14:39.480 --> 14:43.720]  Other than that, they have no say.
[14:43.720 --> 14:51.240]  In addition to that, Andy, because you went that far with that, this also gives under
[14:51.240 --> 15:00.160]  the CFR, it gives borrowers additional power because this, if you used to make settlement
[15:00.160 --> 15:05.760]  in your home or if you make the application in Pennsylvania, if you make the application
[15:05.760 --> 15:11.720]  over the phone and settle it elsewhere, and this goes to the same thing just about.
[15:11.720 --> 15:13.920]  Okay, wait, okay, hold on.
[15:13.920 --> 15:18.640]  You make the application over the phone and settle it elsewhere, does that mean like a
[15:18.640 --> 15:20.240]  title company or something?
[15:20.240 --> 15:25.120]  Well, a lot of people around here do it in restaurants.
[15:25.120 --> 15:31.440]  Okay, so by elsewhere you mean somewhere other than a formal closing?
[15:31.440 --> 15:38.640]  Yes, somewhere other than the regular place of business or temporary place of business
[15:38.640 --> 15:40.640]  of the summer.
[15:40.640 --> 15:51.000]  Okay, now we have it framed, so now we have it framed.
[15:51.000 --> 15:58.720]  Right, now in addition to that, this cuts back, what I'm saying is if they do not get
[15:58.720 --> 16:09.920]  a TILA notice to cancel, also that when they send in their notice to cancel, they have
[16:09.920 --> 16:17.080]  more than three years because there is no end date on this.
[16:17.080 --> 16:20.280]  There is no repose crack.
[16:20.280 --> 16:29.000]  Okay, you're saying that the state law in Pennsylvania, when the legislature passed
[16:29.000 --> 16:36.000]  the consumer protection laws, I maintain it was all a sham.
[16:36.000 --> 16:41.600]  They made this big deal about passing all of these laws to protect you poor consumers
[16:41.600 --> 16:46.640]  from the dirty rotten banks, the dirty rotten banks who were the ones getting them elected
[16:46.640 --> 16:48.760]  into office.
[16:48.760 --> 16:55.280]  But then they set the remedy, they created a remedy for, okay, hang on, we're about
[16:55.280 --> 16:56.280]  to go to break.
[16:56.280 --> 16:57.280]  We'll pick this up on the other side.
[16:57.280 --> 16:59.280]  This is Randy Kelton, Radio.
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[19:00.600 --> 19:29.720]  You are listening to the Logos Radio Network, LogosRadioNetwork.com.
[19:29.720 --> 19:30.720]  Okay.
[19:30.720 --> 19:31.720]  We are back.
[19:31.720 --> 19:38.640]  Randy Kelton, Wheelbarrow Radio, and we're talking to Leslie in Pennsylvania.
[19:38.640 --> 19:40.360]  And okay, Leslie, where were we?
[19:40.360 --> 19:43.040]  We were dealing with some technical issues on the break.
[19:43.040 --> 19:51.080]  The importance to this is if you did not receive a TILA rescission notice, a notice to cancel,
[19:51.080 --> 19:57.280]  and you want to cancel, you do not have a three-year statute of repose.
[19:57.280 --> 20:02.720]  That goes on indefinitely because you never got it, and there is no statute of repose
[20:02.720 --> 20:05.720]  under 429.
[20:05.720 --> 20:07.720]  Okay.
[20:07.720 --> 20:17.760]  The Jasinowski case, for those who don't know, that's a recent case about rescission.
[20:17.760 --> 20:25.440]  And it's interesting how that one was done because the claim they made was not that they
[20:25.440 --> 20:32.240]  were not given notice, but they were not given two copies of notice.
[20:32.240 --> 20:33.240]  Right.
[20:33.240 --> 20:37.240]  I read that, and I was astounded.
[20:37.240 --> 20:38.240]  Exactly.
[20:38.240 --> 20:41.240]  Go ahead, Leslie.
[20:41.240 --> 20:52.120]  So if you're not giving notice, you have forever to rescind, number one.
[20:52.120 --> 20:58.120]  And number two, they only have 10 days to respond, not 20.
[20:58.120 --> 21:01.000]  So that's under Pennsylvania state law?
[21:01.000 --> 21:02.000]  No.
[21:02.000 --> 21:04.000]  That's under 429.
[21:04.000 --> 21:05.000]  Oh.
[21:05.000 --> 21:06.000]  Ten days.
[21:06.000 --> 21:12.000]  Do we have some case law on?
[21:12.000 --> 21:13.000]  Ten business days.
[21:13.000 --> 21:14.000]  Okay.
[21:14.000 --> 21:16.880]  I really have to read this one.
[21:16.880 --> 21:23.160]  In 10 business days, they've received a buyer's notice of cancellation to notify the buyer
[21:23.160 --> 21:29.840]  whether the seller intends to repossess or abandon any claim, you know, any shipped or
[21:29.840 --> 21:30.840]  delivered goods.
[21:30.840 --> 21:41.080]  But this does not give any indication of any kind of settle or return of money for a mortgage.
[21:41.080 --> 21:44.480]  None of that.
[21:44.480 --> 21:48.760]  It just doesn't...does it not address that?
[21:48.760 --> 21:49.760]  It doesn't address that.
[21:49.760 --> 21:50.760]  Okay.
[21:50.760 --> 21:54.400]  That's okay, because we can get how it's addressed.
[21:54.400 --> 21:58.600]  We've got Jasenowski to talk about how that's addressed.
[21:58.600 --> 21:59.600]  Right.
[21:59.600 --> 22:07.480]  They have to restate, they have to cancel all the security.
[22:07.480 --> 22:22.440]  So if we rescind under 16 CFR 429, instead of the Truth in Lending Act, and I forget
[22:22.440 --> 22:27.960]  the exact statute on that one, it's almost, I think it's in the last or next to the last
[22:27.960 --> 22:34.800]  statute in the Truth in Lending Act, but we do it under this one, all of the time limits
[22:34.800 --> 22:35.800]  change.
[22:35.800 --> 22:36.800]  Yeah.
[22:36.800 --> 22:37.800]  Okay.
[22:37.800 --> 22:49.920]  Are the courts going to say that 16 CFR Part 429 is a general statute?
[22:49.920 --> 22:56.320]  And the Consumer Protection Law, Truth in Lending Act is a special statute that addresses
[22:56.320 --> 23:05.760]  a special circumstance within the context of 16 CFR 429, and therefore the special statute
[23:05.760 --> 23:09.680]  takes precedent over the general statute.
[23:09.680 --> 23:16.600]  It says that it does not apply to include a transaction where you received a right of
[23:16.600 --> 23:23.400]  rescission by the provisions of the 15, 16, 35.
[23:23.400 --> 23:28.760]  That's the same thing that the Truth in Lending Act says.
[23:28.760 --> 23:29.760]  Yes.
[23:29.760 --> 23:31.960]  Oh, wait a minute, wait a minute.
[23:31.960 --> 23:32.960]  It is.
[23:32.960 --> 23:36.880]  It's been a long time since I've read that carefully.
[23:36.880 --> 23:46.880]  Does the notice requirements only go to the right to rescind, or does it go, it goes to
[23:46.880 --> 23:51.400]  all other requirements, all other notices as well, does it not?
[23:51.400 --> 23:56.240]  Yeah, well under TILA it does, under this it does not.
[23:56.240 --> 23:57.240]  Okay.
[23:57.240 --> 24:07.200]  TILA, my consideration that it may be a special statute, if the Consumer Protection Law does
[24:07.200 --> 24:18.800]  not specifically address this one particular issue, but addresses more generally notices,
[24:18.800 --> 24:24.720]  then it wouldn't preempt this one because this one addresses specifically one particular
[24:24.720 --> 24:31.120]  issue, so this would be the special statute that would take precedence over the Truth
[24:31.120 --> 24:37.160]  in Lending Act where the issue was the lack of three-day notice.
[24:37.160 --> 24:38.160]  Right.
[24:38.160 --> 24:39.160]  Wonderful.
[24:39.160 --> 24:48.480]  The issue is the lack of three-day notice, then the supply.
[24:48.480 --> 24:51.240]  When they have what they call a door-to-door sale.
[24:51.240 --> 25:01.000]  Now the door-to-door sale is, this is what they describe in the federal law, a sale,
[25:01.000 --> 25:06.320]  and I'm leaving out a few words because it's not relevant here, a sale in which the seller
[25:06.320 --> 25:14.520]  or his representative solicits a sale, including those in response to an invitation by a buyer,
[25:14.520 --> 25:19.680]  and the buyer's agreement or offer to purchase is made at a place other than the place of
[25:19.680 --> 25:23.240]  business of the seller.
[25:23.240 --> 25:30.200]  For instance, sales at the buyer's residence or at facilities rented on a temporary or
[25:30.200 --> 25:37.400]  short-term basis, such as hotel or motel rooms, convention centers, fairgrounds and restaurants
[25:37.400 --> 25:42.520]  or sales at the buyer's workplace or in dormitory lounges, and which has a purchase
[25:42.520 --> 25:49.240]  price of $25 or more if the sale is made at the buyer's residence or a purchase price
[25:49.240 --> 25:55.440]  of $130 or more if the sale is made at locations other than the buyer's residence.
[25:55.440 --> 26:02.400]  Whether single or multiple contracts, the term door-to-door does not include transactions
[26:02.400 --> 26:09.800]  that and it gives a list, there are six different lists, and one is the purchase of property.
[26:09.800 --> 26:13.840]  So it's only for refinance.
[26:13.840 --> 26:19.480]  And the other one, one of the things that does not include is where you have received
[26:19.480 --> 26:26.040]  a $16.35 notice to cancel.
[26:26.040 --> 26:31.880]  So if you have received them, this does not apply, but if you didn't receive them, this
[26:31.880 --> 26:32.880]  applies.
[26:32.880 --> 26:37.680]  Okay, so it does specifically exclude the purchase of the property.
[26:37.680 --> 26:38.680]  Yes.
[26:38.680 --> 26:45.320]  And you're saying that because it doesn't exclude the refinance of the property, and
[26:45.320 --> 26:52.040]  actually the refinance of the property is normally not done at a formal closing.
[26:52.040 --> 26:53.040]  Right.
[26:53.040 --> 27:00.960]  Well, Congress specifically in that Congressional record that I sent you, that page from the
[27:00.960 --> 27:05.280]  Congressional record that I sent you PDF in Skype.
[27:05.280 --> 27:06.280]  Yes.
[27:06.280 --> 27:10.960]  I just got it about 20 minutes before showtime, so I didn't have time to read all of it.
[27:10.960 --> 27:11.960]  Right.
[27:11.960 --> 27:18.080]  But if you look at that, that shows you that the intention was to include refinance mortgage.
[27:18.080 --> 27:19.080]  Specific.
[27:19.080 --> 27:20.080]  Oh, wonderful.
[27:20.080 --> 27:27.080]  We can have great fun with this one.
[27:27.080 --> 27:28.720]  I thought you'd like that.
[27:28.720 --> 27:34.080]  I'm going to have to look at it and do some case law research on it.
[27:34.080 --> 27:39.720]  I have done some case law research on a state level.
[27:39.720 --> 27:44.640]  I have gone to like 10 different states and found theirs that are very similar.
[27:44.640 --> 27:51.400]  I found Texas, and Texas one is Title 12, Chapter 601.
[27:51.400 --> 28:01.320]  601, I'm going to have to look that up.
[28:01.320 --> 28:05.360]  This sounds wonderful.
[28:05.360 --> 28:12.200]  In Pennsylvania, there's a lot of case law on it, but not on the federal one, on the
[28:12.200 --> 28:14.200]  state one.
[28:14.200 --> 28:15.560]  Wonderful.
[28:15.560 --> 28:18.560]  That's even better.
[28:18.560 --> 28:24.600]  Like I said, in Pennsylvania, they've gone up to travel damages for... This is the same,
[28:24.600 --> 28:31.240]  I think, in the CFR 2, I think they... Yeah, I didn't go far enough on that to see what
[28:31.240 --> 28:36.760]  the damages were for... Oh, yeah.
[28:36.760 --> 28:43.880]  Well, it doesn't say... I don't see it right here, but I imagine it would be similar.
[28:43.880 --> 28:51.440]  In Pennsylvania, you get travel damages if they don't apply to the engaging and other
[28:51.440 --> 28:57.400]  fraudulent or deceptive conduct, which creates a likelihood of confusion and misunderstanding.
[28:57.400 --> 29:00.480]  So, Pennsylvania is pretty cool.
[29:00.480 --> 29:03.760]  They have it down to a science, I think.
[29:03.760 --> 29:04.760]  Oh, wonderful.
[29:04.760 --> 29:13.160]  I'm hoping that when I get to Texas, that it will be similarly well constructed.
[29:13.160 --> 29:21.360]  I'm going to send you a copy of the one I have for Pennsylvania, so you can compare.
[29:21.360 --> 29:22.960]  That ought to help you there.
[29:22.960 --> 29:23.960]  Good.
[29:23.960 --> 29:24.960]  Thank you very much.
[29:24.960 --> 29:25.960]  That will be very helpful.
[29:25.960 --> 29:26.960]  Okay.
[29:26.960 --> 29:27.960]  Okay.
[29:27.960 --> 29:28.960]  Thank you very much, Ms. Lifthree.
[29:28.960 --> 29:33.960]  I added that to my defense in my foreclosure.
[29:33.960 --> 29:34.960]  Okay.
[29:34.960 --> 29:38.280]  I'll be doing some research on that, and I'll get back to you.
[29:38.280 --> 29:43.160]  That may give you standing to completely avoid the time limitations.
[29:43.160 --> 29:44.160]  Yeah.
[29:44.160 --> 29:45.160]  That would be great.
[29:45.160 --> 29:46.160]  Okay.
[29:46.160 --> 29:47.160]  We're about to go to break.
[29:47.160 --> 29:50.160]  This is Randy Kelton, Lulavar Radio.
[29:50.160 --> 29:54.520]  I'll call you at number 512-646-1984.
[29:54.520 --> 29:55.520]  Thank you, Ms. Leslie.
[29:55.520 --> 29:57.520]  Faith will pick you up on the other side.
[29:57.520 --> 29:58.520]  We'll be right back.
[29:58.520 --> 30:08.080]  Burmese play-thons are not known for being good Samaritans, quite the opposite, but scientists
[30:08.080 --> 30:12.240]  have discovered something about these snakes that could potentially save human lives.
[30:12.240 --> 30:16.960]  I'm Dr. Catherine Albrecht, and in a moment, I'll tell you what it is.
[30:16.960 --> 30:18.560]  Privacy is under attack.
[30:18.560 --> 30:22.960]  When you give up data about yourself, you'll never get it back again, and once your privacy
[30:22.960 --> 30:26.920]  is gone, you'll find your freedoms will start to vanish, too.
[30:26.920 --> 30:32.080]  So protect your rights, say no to surveillance, and keep your information to yourself.
[30:32.080 --> 30:34.680]  Privacy, it's worth hanging onto.
[30:34.680 --> 30:38.980]  This public service announcement is brought to you by Startpage.com, the private search
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[30:49.200 --> 30:54.000]  These snakes can kill full-grown deer, and I've seen photos of them swallowing alligators
[30:54.000 --> 30:55.000]  whole.
[30:55.000 --> 30:56.000]  Yikes.
[30:56.000 --> 30:58.440]  But when pythons have a big meal, some cool stuff happens.
[30:58.440 --> 31:04.480]  Their metabolism shoots up 40-fold, their hearts grow by 40%, and their triglycerides,
[31:04.480 --> 31:09.760]  the main components of natural fats and oils, rise 50-fold in just one day.
[31:09.760 --> 31:13.180]  Researchers say these fatty acids strengthen pythons' hearts.
[31:13.180 --> 31:17.360]  One day, this could lead to chemical therapies to reverse heart disease in humans, making
[31:17.360 --> 31:20.920]  even a couch potato's heart as fit as a pro athlete's.
[31:20.920 --> 31:22.400]  Pythons saving people?
[31:22.400 --> 31:23.640]  Who'd have thunk it?
[31:23.640 --> 31:25.240]  I'm Dr. Catherine Albrecht.
[31:25.240 --> 31:27.840]  More news and information at CatherineAlbrecht.com.
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[32:03.080 --> 32:05.840]  Rule of Law Radio is proud to offer the Rule of Law Traffic Seminar.
[32:05.840 --> 32:09.680]  In today's America, we live in an us-against-them society, and if we, the people, are ever going
[32:09.680 --> 32:13.600]  to have a free society, then we're going to have to stand and defend our own rights.
[32:13.600 --> 32:16.880]  Among those rights are the right to travel freely from place to place, the right to act
[32:16.880 --> 32:20.640]  in our own private capacity, and most importantly, the right to due process of law.
[32:20.640 --> 32:24.760]  Traffic courts afford us the least expensive opportunity to learn how to enforce and preserve
[32:24.760 --> 32:26.240]  our rights through due process.
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[32:30.120 --> 32:33.880]  most comprehensive teaching tool available that will help you understand what due process
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[33:00.840 --> 33:10.040]  You're listening to the Logos Radio Network at logosradionetwork.com.
[33:10.040 --> 33:38.040]  Yeah, I got a warrant, and I'm gonna solve them, to the help of government them, prosecute
[33:38.040 --> 33:40.040]  the law.
[33:40.040 --> 33:41.040]  Okay, we are back.
[33:41.040 --> 33:51.440]  Randy Kelton, Rule of Law Radio, on this Friday, the 16th day of October 2015, and we're going
[33:51.440 --> 33:52.880]  to Faith in California.
[33:52.880 --> 33:53.880]  Hello, Ms. Faith.
[33:53.880 --> 33:54.880]  Oh, hey, Randy.
[33:54.880 --> 33:55.880]  How are you?
[33:55.880 --> 33:56.880]  I am good.
[33:56.880 --> 33:57.880]  I woke up this morning.
[33:57.880 --> 33:58.880]  I checked the obituaries, and I wasn't in there.
[33:58.880 --> 33:59.880]  Neither was I.
[33:59.880 --> 34:00.880]  Isn't that wonderful in that house?
[34:00.880 --> 34:01.880]  I'm glad you're here.
[34:01.880 --> 34:02.880]  I'm glad you're here.
[34:02.880 --> 34:03.880]  I'm glad you're here.
[34:03.880 --> 34:04.880]  I'm glad you're here.
[34:04.880 --> 34:05.880]  I'm glad you're here.
[34:05.880 --> 34:06.880]  I'm glad you're here.
[34:06.880 --> 34:07.880]  I'm glad you're here.
[34:07.880 --> 34:09.200]  Oh, are you glad that happened?
[34:09.200 --> 34:11.440]  Yes, it is.
[34:11.440 --> 34:12.680]  I really like that.
[34:12.680 --> 34:16.460]  Okay, what do you have for us today?
[34:16.460 --> 34:17.460]  I.
[34:17.460 --> 34:18.460]  My darling.
[34:18.460 --> 34:24.400]  I'm actually, Frank Waldo suggested that I give you a call because of my advocacy work
[34:24.400 --> 34:25.400]  in California.
[34:25.400 --> 34:31.340]  I'm also a past volunteer federal witness of these mortgage crimes that you are lovingly
[34:31.340 --> 34:36.160]  talking about at Lincent, and I'm highly familiar with Adjoian Maski, and actually
[34:36.160 --> 34:40.120]  in the Supreme Court in trying to support Ivanova
[34:40.120 --> 34:42.720]  so that they will allow challenging of the assignment
[34:42.720 --> 34:45.100]  to get through with my inside information,
[34:45.100 --> 34:47.220]  which I'm sure the banks hate me for
[34:47.220 --> 34:48.940]  because they are trying to take me down
[34:48.940 --> 34:50.360]  at every chance that they can,
[34:50.360 --> 34:52.640]  including, oh, and you're going to love this.
[34:54.160 --> 34:57.820]  The only one that you cannot bar is CF
[34:57.820 --> 35:00.420]  because as you said, it's a CFR.
[35:01.720 --> 35:02.880]  They can't do anything against it.
[35:02.880 --> 35:04.520]  It's a matter of law they can overrule.
[35:04.520 --> 35:07.240]  So I have them until I knew I've always had them until
[35:07.240 --> 35:08.880]  and I knew that I had to wait for that ruling
[35:08.880 --> 35:10.760]  in order to actually go back and get them.
[35:10.760 --> 35:11.880]  So I did, I went back.
[35:11.880 --> 35:15.680]  I wasn't in Mesquite and I went in and got a TRO.
[35:15.680 --> 35:16.720]  Yay, loose me.
[35:16.720 --> 35:21.720]  But the judge decided on the OTC to dissolve the TRO.
[35:23.280 --> 35:27.200]  And I was dumbfounded, like, why would you do this?
[35:27.200 --> 35:29.420]  What, you know, and he would not give me a straight answer.
[35:29.420 --> 35:32.000]  They were pulling it based on issues
[35:32.000 --> 35:33.640]  that were not before the court.
[35:33.640 --> 35:36.440]  And so I backed away and I did a little bit of research
[35:36.440 --> 35:38.200]  and I've come to find out, you know,
[35:38.200 --> 35:41.160]  his wife and I are on the same board of realtors
[35:41.160 --> 35:42.780]  and that that company that he reports
[35:42.780 --> 35:46.640]  on his California form 700 happens to also say
[35:46.640 --> 35:49.360]  that he received commission income from the same company
[35:49.360 --> 35:52.400]  his wife is, wife is to do in the state business.
[35:52.400 --> 35:53.880]  And I thought, oh, wow, that's interesting.
[35:53.880 --> 35:56.200]  So I went and I double-checked the court cases
[35:56.200 --> 36:01.200]  dating back to 2006 about over 85% of these RAO
[36:01.200 --> 36:05.080]  bank foreclosures were all referred to the company
[36:05.080 --> 36:06.640]  that his wife is getting commissioned
[36:06.640 --> 36:09.480]  through these third-party graft bribings
[36:09.480 --> 36:11.280]  because we all know this is a felony.
[36:12.800 --> 36:16.840]  And I documented the living crap of this conflict of interest
[36:16.840 --> 36:21.640]  back down to its source, countrywide family law practices
[36:21.640 --> 36:23.320]  that prepay legal services
[36:23.320 --> 36:24.960]  that they put out from the beginning.
[36:24.960 --> 36:26.720]  Okay, hold on just a second.
[36:26.720 --> 36:30.440]  Can you move the mic a little away from your mouth?
[36:30.440 --> 36:32.200]  It's kind of booming and distorting.
[36:33.200 --> 36:34.800]  Oh, I'm sorry.
[36:34.800 --> 36:37.600]  So anyway, I've got a dirty judge.
[36:37.600 --> 36:41.600]  I threw out a notification in a cert rec.
[36:43.000 --> 36:45.440]  And I'm wondering because I was talking to Frank today
[36:45.440 --> 36:49.200]  and he said that you are like the guru
[36:49.200 --> 36:52.600]  of how to do a shakedown from higher levels
[36:52.600 --> 36:56.920]  to get that judge out of office, out of his position.
[36:56.920 --> 37:01.120]  Oh, kind of what I do.
[37:02.720 --> 37:04.200]  We have some rules.
[37:04.200 --> 37:06.800]  I have some rules that I teach.
[37:06.800 --> 37:11.800]  And one of the things is never ask a public official
[37:11.960 --> 37:15.080]  to do anything you actually want him to do.
[37:17.200 --> 37:20.880]  Because you never ask a public official to do anything,
[37:20.880 --> 37:23.760]  the law does not specifically require him to do.
[37:23.760 --> 37:26.760]  And when he doesn't, I've got all of these tools
[37:26.760 --> 37:28.000]  to beat him up with.
[37:29.040 --> 37:30.480]  I love it.
[37:30.480 --> 37:33.080]  One of the things is when I get in court,
[37:33.080 --> 37:36.200]  you get these judges with attitudes.
[37:37.320 --> 37:40.600]  I really enjoy adjusting judge's attitudes.
[37:42.880 --> 37:45.200]  The judge has two duties.
[37:45.200 --> 37:47.240]  He must determine the trial judge,
[37:47.240 --> 37:48.840]  must determine the facts in accordance
[37:48.840 --> 37:51.520]  with the rules of evidence, apply the laws
[37:51.520 --> 37:54.040]  that comes to him to the facts in the case.
[37:54.040 --> 37:58.560]  If he has any other agenda, I want him off that bench.
[37:58.560 --> 38:01.040]  And the first thing I'm gonna do
[38:01.040 --> 38:03.840]  is file a judicial conduct complaint against him.
[38:04.720 --> 38:06.640]  Oh, of course, I've done that.
[38:06.640 --> 38:11.640]  That's because we understand that
[38:11.920 --> 38:15.080]  you will never win your case
[38:15.080 --> 38:18.840]  simply because you have the facts in law on your side.
[38:18.840 --> 38:21.280]  To think so is naive.
[38:21.280 --> 38:24.040]  It is not that way now.
[38:24.040 --> 38:28.360]  It never has been that way since we've had judges.
[38:28.360 --> 38:31.640]  I once read an interpretation of a plaque
[38:31.640 --> 38:35.760]  found in the library in Nineveh.
[38:36.720 --> 38:41.720]  This was across the Euphrates River from Mosul.
[38:41.720 --> 38:43.280]  And these were,
[38:43.280 --> 38:48.280]  this was a library from 3,000 to 3,500 BC.
[38:49.720 --> 38:52.880]  And this plaque was commissioned by an Akkadian king
[38:52.880 --> 38:57.880]  and he proclaimed that he was reasserting the old law
[38:57.880 --> 39:01.200]  because those in positions of power and influence
[39:01.200 --> 39:03.200]  have so perverted the laws
[39:03.200 --> 39:08.200]  that the citizen can no longer achieve justice.
[39:08.200 --> 39:12.200]  If this has been going on for 6,000 years,
[39:12.200 --> 39:14.800]  for 6,000 years that we know of,
[39:15.680 --> 39:17.960]  it's not gonna change tomorrow.
[39:17.960 --> 39:21.600]  No, but all is not lost.
[39:21.600 --> 39:25.160]  It's not so much that it's a problem.
[39:25.160 --> 39:29.600]  It's just a matter of understanding how it works.
[39:29.600 --> 39:31.240]  You'll only win your case
[39:31.240 --> 39:33.600]  if you have the politics on your side.
[39:34.760 --> 39:37.520]  And all politics is local.
[39:37.520 --> 39:40.720]  Do you know what happens to a lawyer
[39:40.720 --> 39:42.000]  if you bar grieve him?
[39:44.040 --> 39:45.720]  If you do what to him?
[39:45.720 --> 39:47.920]  If you file a bar grievance against a lawyer?
[39:49.320 --> 39:50.160]  What happens?
[39:50.160 --> 39:52.280]  Because it didn't happen in anything.
[39:52.280 --> 39:55.800]  It's a little better in California than Texas.
[39:56.920 --> 39:58.840]  But in Texas, if you file a bar grievance
[39:58.840 --> 39:59.680]  against a lawyer,
[39:59.680 --> 40:01.680]  the State Bar of Texas is gonna get that grievance
[40:01.680 --> 40:04.600]  and they're gonna throw it in the trash.
[40:04.600 --> 40:06.760]  And they're gonna send this letter to you that says,
[40:06.760 --> 40:08.920]  we examine it into your accusation,
[40:08.920 --> 40:11.320]  find it does not rise to the level of misconduct.
[40:12.760 --> 40:13.960]  That's a good thing.
[40:16.160 --> 40:17.840]  The reason that's a good thing
[40:19.080 --> 40:22.160]  is his insurance company knows that's what they'll do.
[40:23.040 --> 40:26.160]  So how do they gauge their level of risk?
[40:26.160 --> 40:27.480]  By valid bar grievances,
[40:27.480 --> 40:29.040]  they throw them all in the trash.
[40:30.240 --> 40:32.000]  By the numbers.
[40:32.000 --> 40:34.080]  One bar grievance, your first year of practice,
[40:34.080 --> 40:35.480]  they cancel immediately.
[40:35.480 --> 40:39.480]  Two bar grievances, any one year of practice, they cancel.
[40:39.480 --> 40:43.600]  Three, they'll cancel your law firm's malpractice insurance.
[40:44.600 --> 40:49.160]  I had a lawyer tell me, that is patently unfair.
[40:49.160 --> 40:51.600]  And I am grinning from ear to ear.
[40:51.600 --> 40:53.680]  And he looked at me and he said,
[40:53.680 --> 40:56.040]  oh, I shouldn't have told you that.
[40:57.360 --> 41:00.000]  It's like the insurance on your car.
[41:01.080 --> 41:03.560]  You buy a new car, you go down to Walmart,
[41:03.560 --> 41:07.040]  you come out, somebody's bashed a door in.
[41:07.040 --> 41:08.080]  What do you call the insurance company?
[41:08.080 --> 41:10.840]  They fix it, they raise your rates.
[41:10.840 --> 41:11.720]  You go down there next month,
[41:11.720 --> 41:13.160]  somebody bashes another one in.
[41:13.160 --> 41:15.680]  They come out and they fix it, they cancel.
[41:15.680 --> 41:19.200]  Your fault, their fault, nobody's fault, they don't care.
[41:19.200 --> 41:20.840]  You're a bad risk, you're gone.
[41:21.720 --> 41:26.040]  That's the, these malpractice insurance carriers,
[41:27.000 --> 41:30.120]  they gauge their level of risk by bar grievances.
[41:30.120 --> 41:35.120]  So, if you want to get a lawyer's attention, grieve him.
[41:36.920 --> 41:39.920]  And once you grieve him, if he says one word
[41:39.920 --> 41:42.560]  about being grieved, either you or the court,
[41:42.560 --> 41:44.160]  you'll grieve him for that.
[41:45.960 --> 41:50.960]  And I regularly tell them, I will not be understanding.
[41:51.520 --> 41:53.600]  I will not be reasonable.
[41:55.200 --> 41:57.680]  You want to play sharp practice with me?
[41:57.680 --> 42:00.320]  I will give you a walk through the legal system.
[42:00.320 --> 42:02.880]  You will not believe.
[42:02.880 --> 42:06.600]  Oh, gosh, all right, I'm down with that.
[42:06.600 --> 42:09.640]  I have no problem being, you know, grieve him now.
[42:09.640 --> 42:14.080]  Okay, have you read the California Penal Code?
[42:14.080 --> 42:14.920]  Yes.
[42:16.360 --> 42:18.200]  At least twice.
[42:19.120 --> 42:23.120]  Once, going back and forth where I need to.
[42:23.120 --> 42:25.240]  It is so much fun.
[42:25.240 --> 42:28.120]  It is so much fun.
[42:28.120 --> 42:30.040]  The first time you read it,
[42:30.920 --> 42:34.080]  it's not clear when you read the statute,
[42:34.080 --> 42:39.080]  how that statute fits into the overall scheme of things.
[42:39.200 --> 42:41.800]  So, what I suggest people do is just read through it.
[42:41.800 --> 42:44.200]  Don't try to understand it, just read it.
[42:45.320 --> 42:48.560]  And then go back to the front and read it a second time.
[42:48.560 --> 42:50.520]  When you read it the second time,
[42:50.520 --> 42:55.520]  like I read chapter two, 2.09, 10, 11.
[42:57.040 --> 43:00.680]  I read 2.09, who are magistrates, it's all magistrates.
[43:00.680 --> 43:04.240]  It says 2.10, it says the duty of the magistrate
[43:04.240 --> 43:05.760]  to keep the peace in the county,
[43:05.760 --> 43:09.040]  by all legal means, it's 2.11.
[43:09.040 --> 43:12.160]  When a magistrate sits for the purpose of examining
[43:12.160 --> 43:17.160]  into a criminal accusation, that is an examining court.
[43:17.160 --> 43:20.720]  Correct, the second time I read it,
[43:20.720 --> 43:25.720]  oh, okay, that's referring to chapter 16,
[43:25.920 --> 43:28.080]  a whole chapter on what they're supposed to do
[43:28.080 --> 43:29.840]  in an examining court.
[43:31.560 --> 43:33.720]  When you start stitching these together,
[43:33.720 --> 43:37.760]  when these public officials start doing
[43:37.760 --> 43:41.520]  their little song and dance themselves are down your pants,
[43:41.520 --> 43:45.840]  you almost won't believe how many crimes they commit.
[43:45.840 --> 43:50.840]  Okay, hang on, about to go to break.
[43:50.920 --> 43:52.280]  Randy Kelton, we'll have our radio.
[43:52.280 --> 43:56.120]  I'll call you number 512-646-1984.
[43:56.120 --> 43:57.200]  We'll be right back.
[44:02.440 --> 44:06.280]  Hello, my name is Stuart Smith from naturespureorganics.com
[44:06.280 --> 44:08.720]  and I would like to invite you to come buy our store
[44:08.720 --> 44:12.360]  at 1904 Guadalupe Street, Sweet D here in Austin, Texas.
[44:12.360 --> 44:14.200]  I'm Brave New Books and Jay Payne.
[44:14.200 --> 44:16.320]  To see all our fantastic health and wellness products
[44:16.320 --> 44:18.120]  with your very own eyes.
[44:18.120 --> 44:20.040]  Have a look at our Miracle Healing Clay
[44:20.040 --> 44:22.520]  that started our adventure in alternative medicine.
[44:22.520 --> 44:24.520]  Take a peek at some of our other wonderful products,
[44:24.520 --> 44:26.680]  including our Australian Eme oil,
[44:26.680 --> 44:28.640]  lotion candles, olive oil, soaps,
[44:28.640 --> 44:30.240]  and colloidal silver and gold.
[44:30.240 --> 44:35.240]  Call 512-264-4043 or find us online
[44:35.400 --> 44:37.400]  at naturespureorganics.com.
[44:37.400 --> 44:42.400]  That's 512-264-4043, naturespureorganics.com.
[44:42.400 --> 44:44.520]  Don't forget to like us on Facebook
[44:44.520 --> 44:47.160]  for information on events and our products.
[44:47.160 --> 44:49.160]  naturespureorganics.com.
[45:01.160 --> 45:04.240]  Are you the plaintiff or defendant in a lawsuit?
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[45:20.800 --> 45:23.200]  know what you should do for yourself.
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[46:00.560 --> 46:11.560]  MUSIC
[46:11.560 --> 46:14.560]  MUSIC
[46:14.560 --> 46:17.560]  Whoa, whoa, whoa, whoa
[46:17.560 --> 46:20.560]  MUSIC
[46:20.560 --> 46:22.560]  Whoa, whoa, whoa, whoa
[46:22.560 --> 46:27.560]  Yeah, always I must be careful
[46:27.560 --> 46:29.560]  What I'm wishing for
[46:29.560 --> 46:31.560]  When I'm hungry
[46:31.560 --> 46:35.560]  I like to know just what I'm fishing for
[46:35.560 --> 46:37.560]  I ain't asking for much
[46:37.560 --> 46:41.560]  I ain't trying to be no glutton
[46:41.560 --> 46:47.560]  I'm just here making my living pushing buttons
[46:47.560 --> 46:49.560]  OK, we are back.
[46:49.560 --> 46:51.560]  Randy Kelton, Rule of Law Radio,
[46:51.560 --> 46:53.560]  and we're talking to Faith in California.
[46:53.560 --> 46:57.560]  Faith, I get the impression that
[46:57.560 --> 47:00.560]  this is not your first radio.
[47:00.560 --> 47:01.560]  No.
[47:01.560 --> 47:02.560]  Yes, you are.
[47:02.560 --> 47:04.560]  You are somewhat knowledgeable,
[47:04.560 --> 47:06.560]  and I'm going over this
[47:06.560 --> 47:09.560]  so that when I talk more specifically
[47:09.560 --> 47:11.560]  about what you're doing,
[47:11.560 --> 47:14.560]  you better understand the perspective
[47:14.560 --> 47:16.560]  that I'm coming from.
[47:16.560 --> 47:23.560]  It's not that we're particularly adverse,
[47:23.560 --> 47:25.560]  but it's that we understand
[47:25.560 --> 47:28.560]  the weakness of the other side,
[47:28.560 --> 47:30.560]  the politics.
[47:30.560 --> 47:34.560]  When you go into court with a lawyer,
[47:34.560 --> 47:38.560]  you can think of it like a four-sided chessboard.
[47:38.560 --> 47:40.560]  You're on one side,
[47:40.560 --> 47:42.560]  your lawyer's to your right,
[47:42.560 --> 47:44.560]  opposing counsel to your left,
[47:44.560 --> 47:46.560]  the judge across from you.
[47:46.560 --> 47:50.560]  Now, this is all about relationships.
[47:50.560 --> 47:54.560]  You have a relationship with your lawyer.
[47:54.560 --> 47:57.560]  Your lawyer has a relationship
[47:57.560 --> 47:59.560]  with opposing counsel.
[47:59.560 --> 48:00.560]  They're in the same business.
[48:00.560 --> 48:02.560]  They deal with one another all the time.
[48:02.560 --> 48:04.560]  Sometimes they work cases together.
[48:04.560 --> 48:06.560]  Sometimes they're against each other.
[48:06.560 --> 48:10.560]  And both lawyers have a relationship with the judge.
[48:10.560 --> 48:14.560]  You're the other one.
[48:14.560 --> 48:17.560]  The way you're going to be able to win your case
[48:17.560 --> 48:22.560]  is to begin to adjust these relationships.
[48:22.560 --> 48:27.560]  I have a friend here now who is in a bankruptcy case.
[48:27.560 --> 48:31.560]  And they adjusted the relationships.
[48:31.560 --> 48:34.560]  The lawyer went into the bankruptcy court
[48:34.560 --> 48:40.560]  and filed a motion to be removed from the case.
[48:40.560 --> 48:44.560]  They went in and filed an objection to the removal.
[48:44.560 --> 48:48.560]  And the clerk said, in the federal bankruptcy court said,
[48:48.560 --> 48:52.560]  she's never seen an objection to a motion
[48:52.560 --> 48:55.560]  to be removed from the case before.
[48:55.560 --> 48:57.560]  She said, why would you do that?
[48:57.560 --> 48:59.560]  Because I paid him.
[48:59.560 --> 49:00.560]  He's under contract.
[49:00.560 --> 49:03.560]  I don't care if he don't want to do his job.
[49:03.560 --> 49:04.560]  He's my lawyer.
[49:04.560 --> 49:07.560]  He don't have to be my buddy.
[49:07.560 --> 49:09.560]  They went into court,
[49:09.560 --> 49:12.560]  and the judge asked him,
[49:12.560 --> 49:14.560]  if he doesn't want to have your case,
[49:14.560 --> 49:16.560]  why don't you want him to leave?
[49:16.560 --> 49:17.560]  She said, I paid him.
[49:17.560 --> 49:19.560]  He is under contract.
[49:19.560 --> 49:21.560]  Him and I, we have a contract.
[49:21.560 --> 49:23.560]  He has my money.
[49:23.560 --> 49:26.560]  So now he has to fulfill his contract.
[49:26.560 --> 49:29.560]  And I told her specifically to say that,
[49:29.560 --> 49:31.560]  because it's in the Constitution
[49:31.560 --> 49:33.560]  that the court has no power to interfere
[49:33.560 --> 49:36.560]  with the private contract.
[49:36.560 --> 49:38.560]  So the judge told him,
[49:38.560 --> 49:41.560]  Counselor, you're just going to have to work this out.
[49:41.560 --> 49:44.560]  They had already bar grieved him once.
[49:44.560 --> 49:49.560]  So now the lawyer comes to the court,
[49:49.560 --> 49:52.560]  and he files this motion.
[49:52.560 --> 49:56.560]  And this is what the lawyer says to the court,
[49:56.560 --> 50:00.560]  Your Honor, my client says.
[50:00.560 --> 50:03.560]  Now that's code for the court.
[50:03.560 --> 50:07.560]  If he goes in and argues an issue directly,
[50:07.560 --> 50:11.560]  then he's being an advocate for his client.
[50:11.560 --> 50:13.560]  But if he goes in and says,
[50:13.560 --> 50:15.560]  Your Honor, my client says,
[50:15.560 --> 50:17.560]  he's telling the judge,
[50:17.560 --> 50:20.560]  now, Judge, I didn't really want to do this,
[50:20.560 --> 50:22.560]  but my client is making me do it.
[50:22.560 --> 50:25.560]  He's going to kick my butt if I don't.
[50:25.560 --> 50:28.560]  And by bar grieving the lawyer
[50:28.560 --> 50:32.560]  and objecting to his removal,
[50:32.560 --> 50:34.560]  now it's clear to the judge
[50:34.560 --> 50:39.560]  that this lawyer has an unruly client.
[50:39.560 --> 50:44.560]  And he has a client that's going to kick his butt.
[50:44.560 --> 50:47.560]  Now the lawyer has plausible deniability.
[50:47.560 --> 50:50.560]  He can go to the opposing counsel.
[50:50.560 --> 50:51.560]  He can go to the judge and say,
[50:51.560 --> 50:55.560]  Guys, you need to help me out here.
[50:55.560 --> 50:57.560]  I got a client that's going to ruin my career.
[50:57.560 --> 51:01.560]  You guys got to help me out.
[51:01.560 --> 51:03.560]  Does that make sense, say?
[51:03.560 --> 51:07.560]  Well, it makes sense, but I am not using attorney.
[51:07.560 --> 51:10.560]  Oh, it's just as well.
[51:10.560 --> 51:12.560]  You got the attorney on the other side.
[51:12.560 --> 51:15.560]  He needs plausible deniability as well.
[51:15.560 --> 51:20.560]  And the one thing we like to teach people how to be
[51:20.560 --> 51:24.560]  is the one thing the courts hate the most.
[51:24.560 --> 51:29.560]  And I suspect that you're already in this category.
[51:29.560 --> 51:33.560]  It's what we call the pro se from hell.
[51:33.560 --> 51:35.560]  I am.
[51:35.560 --> 51:40.560]  The lawyer, he's a professional.
[51:40.560 --> 51:41.560]  He's got lots of clients.
[51:41.560 --> 51:43.560]  You're not his only client.
[51:43.560 --> 51:46.560]  To think that a lawyer would go into the court
[51:46.560 --> 51:50.560]  and risk annoying the judge at him
[51:50.560 --> 51:55.560]  in order to exhaustively adjudicate all your issues,
[51:55.560 --> 51:56.560]  that's naive.
[51:56.560 --> 51:59.560]  He is not going to commit professional suicide
[51:59.560 --> 52:00.560]  for your benefit.
[52:00.560 --> 52:01.560]  Oh, no.
[52:01.560 --> 52:02.560]  And I already know.
[52:02.560 --> 52:05.560]  And there's someone who really can help in this situation.
[52:05.560 --> 52:08.560]  You know that you're basically going into court
[52:08.560 --> 52:10.560]  and saying, hey, why are you taking bribes
[52:10.560 --> 52:12.560]  and why are you trying to get Aria
[52:12.560 --> 52:13.560]  looking for your wife?
[52:13.560 --> 52:15.560]  I can't necessarily do that.
[52:15.560 --> 52:19.560]  But I can sure as heck ask them to explain themselves.
[52:19.560 --> 52:23.560]  And I can request that every ruling that that judge ever
[52:23.560 --> 52:26.560]  made be void ab initio, which I've done.
[52:26.560 --> 52:28.560]  I'm waiting for that trial to come back
[52:28.560 --> 52:32.560]  and demand a voidier.
[52:32.560 --> 52:34.560]  Have you filed any judicial conduct
[52:34.560 --> 52:36.560]  complaints against the judge?
[52:36.560 --> 52:37.560]  I sure as heck have.
[52:37.560 --> 52:38.560]  It's out there.
[52:38.560 --> 52:40.560]  I've not only done that.
[52:40.560 --> 52:43.560]  I've done it several times, both through the grand jury,
[52:43.560 --> 52:48.560]  having them do it, and also taking it directly to the DA.
[52:48.560 --> 52:49.560]  Wait a minute.
[52:49.560 --> 52:50.560]  Wait a minute.
[52:50.560 --> 52:51.560]  Wait a minute.
[52:51.560 --> 52:54.560]  You should be doing this show.
[52:54.560 --> 52:56.560]  I know, right?
[52:56.560 --> 52:57.560]  No.
[52:57.560 --> 52:58.560]  Oh.
[52:58.560 --> 53:05.560]  You are exactly what we do this show in order to try to create.
[53:05.560 --> 53:09.560]  We try to help people who don't know anything
[53:09.560 --> 53:12.560]  about the legal system figure out that you don't have to be
[53:12.560 --> 53:15.560]  afraid of these guys.
[53:15.560 --> 53:18.560]  They prey on people's fear of the system
[53:18.560 --> 53:21.560]  and their lack of familiarity with it.
[53:21.560 --> 53:26.560]  That's really what my rules are about is getting
[53:26.560 --> 53:29.560]  powerful they truly are.
[53:29.560 --> 53:32.560]  I feel like that if people were to stand up
[53:32.560 --> 53:35.560]  and actually move forward without fear,
[53:35.560 --> 53:42.560]  knowing that there's people like me, the plaintiffs from hell,
[53:42.560 --> 53:44.560]  actually from heaven, because I'm out there
[53:44.560 --> 53:48.560]  trying to get the laws changed for everybody else
[53:48.560 --> 53:50.560]  that's struggling at the lower level.
[53:50.560 --> 53:52.560]  Because you think about this, you're right.
[53:52.560 --> 53:54.560]  There is a lot of politics involved between attorneys,
[53:54.560 --> 53:57.560]  and this is why I had to step out from behind my attorney.
[53:57.560 --> 54:01.560]  My attorney was having to deal with the graph writing issue
[54:01.560 --> 54:03.560]  that he was not directly aware of
[54:03.560 --> 54:05.560]  because he didn't want to know about it,
[54:05.560 --> 54:07.560]  but he knew that there was something going on
[54:07.560 --> 54:11.560]  between the opposing counsel who has the judge in his pocket.
[54:11.560 --> 54:15.560]  So they're trying to do this, and I saw it in the e-mail
[54:15.560 --> 54:17.560]  that he was forwarding to me.
[54:17.560 --> 54:20.560]  I saw the subservient position that he was taking,
[54:20.560 --> 54:22.560]  and I thought to myself, well, why the heck
[54:22.560 --> 54:25.560]  would an attorney take a subservient position
[54:25.560 --> 54:30.560]  unless there was something else going on?
[54:30.560 --> 54:34.560]  He was afraid that you were going to end his career.
[54:34.560 --> 54:36.560]  Yeah, pretty much.
[54:36.560 --> 54:39.560]  So what you have to do is give him plausible deniability,
[54:39.560 --> 54:42.560]  and the way you give him plausible deniability
[54:42.560 --> 54:46.560]  is with your boot in his behind.
[54:46.560 --> 54:50.560]  We hammer lawyers, but not out of meanness.
[54:50.560 --> 54:52.560]  We give them opportunity to do the right thing
[54:52.560 --> 54:54.560]  for the right reason.
[54:54.560 --> 54:55.560]  Right.
[54:55.560 --> 54:58.560]  Okay, so it hurts a little bit.
[54:58.560 --> 54:59.560]  Sorry.
[54:59.560 --> 55:02.560]  Bubba, life is tough.
[55:02.560 --> 55:04.560]  But I was listening to what Frank was telling me.
[55:04.560 --> 55:06.560]  He was telling me some of your shenanigans
[55:06.560 --> 55:09.560]  where you were actually going down after the governor
[55:09.560 --> 55:11.560]  and the attorney general.
[55:11.560 --> 55:14.560]  Oh, yeah, the governor. Oh, this is good.
[55:14.560 --> 55:17.560]  The governor was the attorney general.
[55:17.560 --> 55:18.560]  Oh, my God.
[55:18.560 --> 55:21.560]  And this judge in Cherokee County,
[55:21.560 --> 55:23.560]  one that prosecuted me,
[55:23.560 --> 55:27.560]  he was presiding over a divorce case.
[55:27.560 --> 55:32.560]  There's a minor problem because he was boinking the wife
[55:32.560 --> 55:35.560]  and was ruling in the wife's favor on everything.
[55:35.560 --> 55:38.560]  So they got it removed to another county.
[55:38.560 --> 55:41.560]  Well, this judge wasn't boinking the wife,
[55:41.560 --> 55:45.560]  so he didn't rule in her favor every time.
[55:45.560 --> 55:49.560]  Craig Caldwell, the judge...
[55:49.560 --> 55:50.560]  I'm sorry, Craig Fletcher.
[55:50.560 --> 55:52.560]  Craig Caldwell was the prosecutor.
[55:52.560 --> 55:54.560]  Craig Fletcher, the judge.
[55:54.560 --> 55:57.560]  And yeah, I use real names on here.
[55:57.560 --> 56:01.560]  Went to the other county and pulled the record
[56:01.560 --> 56:06.560]  and changed the judge's ruling in the record.
[56:06.560 --> 56:08.560]  Oh, my gosh.
[56:08.560 --> 56:11.560]  So the attorney general gets involved,
[56:11.560 --> 56:14.560]  and Greg Abbott, when he was the attorney general,
[56:14.560 --> 56:17.560]  told this judge,
[56:17.560 --> 56:20.560]  if you will resign from your position,
[56:20.560 --> 56:24.560]  we will not prosecute.
[56:24.560 --> 56:27.560]  So my question is,
[56:27.560 --> 56:32.560]  just where in heck did you get that authority, bubba?
[56:32.560 --> 56:39.560]  The way I read the code,
[56:39.560 --> 56:43.560]  you got section two of the Texas Code of Criminal Procedure,
[56:43.560 --> 56:45.560]  duties of officers.
[56:45.560 --> 56:47.560]  The first one is prosecuted.
[56:47.560 --> 56:51.560]  2.01 is shall be the primary duty of the prosecuting attorney
[56:51.560 --> 56:54.560]  not to secure conviction,
[56:54.560 --> 56:57.560]  but to ensure that justice is served.
[56:57.560 --> 56:59.560]  He shall not seek good evidence or witnesses
[56:59.560 --> 57:01.560]  that show the innocence of the accused
[57:01.560 --> 57:03.560]  or mitigate the guilt of the accused.
[57:03.560 --> 57:05.560]  Okay, that's nice high-minded rhetoric,
[57:05.560 --> 57:10.560]  but it really doesn't tell him anything specifically that he must do.
[57:10.560 --> 57:15.560]  Okay, 2.02 says the district attorney will handle this stuff,
[57:15.560 --> 57:18.560]  the county attorney will handle this stuff.
[57:18.560 --> 57:23.560]  2.03, the very first one
[57:23.560 --> 57:28.560]  that addresses a specific duty on the part of the prosecutor.
[57:28.560 --> 57:31.560]  I'm paraphrasing here because it's a bit long.
[57:31.560 --> 57:36.560]  When a prosecuting attorney is made known in any manner
[57:36.560 --> 57:38.560]  that a public official has violated the law
[57:38.560 --> 57:40.560]  relating to his office,
[57:40.560 --> 57:43.560]  he shall reduce complaint and submit it to the grand jury.
[57:43.560 --> 57:46.560]  Used to say forthwith, they took it out.
[57:46.560 --> 57:50.560]  No discretion of any kind.
[57:50.560 --> 57:57.560]  What part of 2.03 is hard to understand, Mr. Attorney General.
[57:57.560 --> 58:01.560]  Oh, you must give it to the grand jury.
[58:01.560 --> 58:03.560]  He did not give it to the grand jury.
[58:03.560 --> 58:06.560]  I call that shielded prosecution, 38-05-20 code.
[58:06.560 --> 58:09.560]  My clock is down.
[58:09.560 --> 58:10.560]  Oh, there it is.
[58:10.560 --> 58:12.560]  Okay, I got 45 seconds.
[58:12.560 --> 58:15.560]  Shielding from prosecution, 38-05, penal code.
[58:15.560 --> 58:16.560]  Spelling and text.
[58:16.560 --> 58:20.560]  Instruction of justice, 36-06.
[58:20.560 --> 58:23.560]  Official oppression, 39-03.
[58:23.560 --> 58:26.560]  I've got a whole stack more of them.
[58:26.560 --> 58:27.560]  Let me start.
[58:27.560 --> 58:30.560]  Violating these laws in this way.
[58:30.560 --> 58:33.560]  The charges against them stack up
[58:33.560 --> 58:36.560]  because we have a very well-constructed,
[58:36.560 --> 58:38.560]  corpus juris.
[58:38.560 --> 58:40.560]  All we have to do is apply it.
[58:40.560 --> 58:42.560]  Hang on, Randy Kelton.
[58:42.560 --> 58:43.560]  Rule of Law Radio.
[58:43.560 --> 58:46.560]  I call it number 512-646-1984.
[58:46.560 --> 58:49.560]  We'll be right back.
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[58:52.560 --> 58:53.560]  in your walk with God?
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[59:07.560 --> 59:09.560]  and it contains thousands of footnotes
[59:09.560 --> 59:11.560]  that will help you to know God
[59:11.560 --> 59:13.560]  and to know the meaning of life.
[59:13.560 --> 59:15.560]  The free books are a three-volume set
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[59:24.560 --> 59:27.560]  growing in Christ, and how to build up the Church.
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[01:00:00.560 --> 01:00:04.560]  The following is brought to you by the Low Star Lowdown,
[01:00:04.560 --> 01:00:07.560]  providing the jelly bulletins for the commodities market.
[01:00:07.560 --> 01:00:11.560]  Today in history, news updates,
[01:00:11.560 --> 01:00:15.560]  and the inside scoop into the tides of the alternative.
[01:00:15.560 --> 01:00:20.560]  Music
[01:00:20.560 --> 01:00:23.560]  Markets for the 16th of October, 2015,
[01:00:23.560 --> 01:00:27.560]  opened up with gold at $1,182.05 an ounce,
[01:00:27.560 --> 01:00:29.560]  silver $16.09 an ounce,
[01:00:29.560 --> 01:00:32.560]  Texas crude $46.38 a barrel,
[01:00:32.560 --> 01:00:34.560]  and Bitcoin is on its way up,
[01:00:34.560 --> 01:00:38.560]  currently sitting at roughly 265 U.S. currency.
[01:00:38.560 --> 01:00:43.560]  Music
[01:00:43.560 --> 01:00:46.560]  Today in history, Wednesday, October 16, 2013,
[01:00:46.560 --> 01:00:49.560]  the United States ends its 16-day governmental shutdown
[01:00:49.560 --> 01:00:51.560]  and avoids default on its debt
[01:00:51.560 --> 01:00:54.560]  by raising the debt ceiling and incurring more debt
[01:00:54.560 --> 01:00:56.560]  in a bipartisan Senate quagmire.
[01:00:56.560 --> 01:01:00.560]  Music
[01:01:00.560 --> 01:01:03.560]  In recent news, a natural gas pipeline explosion in Semo,
[01:01:03.560 --> 01:01:05.560]  South Texas, 25 miles north of Laredo,
[01:01:05.560 --> 01:01:07.560]  has forced dozens of people from their homes
[01:01:07.560 --> 01:01:09.560]  and canceled classes at a nearby school.
[01:01:09.560 --> 01:01:13.560]  City Manager Velma DeVilla says that for safety reasons,
[01:01:13.560 --> 01:01:15.560]  30 to 40 people who lived near the pipeline
[01:01:15.560 --> 01:01:17.560]  evacuated to City Hall,
[01:01:17.560 --> 01:01:19.560]  stated that classes would be canceled for today
[01:01:19.560 --> 01:01:21.560]  at Encino Elementary School,
[01:01:21.560 --> 01:01:23.560]  which is only about 500 yards from the pipeline.
[01:01:23.560 --> 01:01:25.560]  Gas to the line has obviously been cut,
[01:01:25.560 --> 01:01:27.560]  and the fire was allowed to burn itself out.
[01:01:27.560 --> 01:01:30.560]  The pipeline operator, San Antonio-based Louis Energy Group,
[01:01:30.560 --> 01:01:35.560]  says that the fire happened around 4.15 a.m. Central Standard Time, Friday morning.
[01:01:35.560 --> 01:01:37.560]  Luckily, nobody was hurt in the blast.
[01:01:37.560 --> 01:01:39.560]  Authorities are seeking the cause.
[01:01:39.560 --> 01:01:43.560]  Music
[01:01:43.560 --> 01:01:45.560]  The chief executive officers of 10 of the world's
[01:01:45.560 --> 01:01:47.560]  largest oil and gas companies,
[01:01:47.560 --> 01:01:50.560]  which together provide almost a fifth of all the oil and gas production
[01:01:50.560 --> 01:01:52.560]  and supply nearly 10% of the world's energy,
[01:01:52.560 --> 01:01:54.560]  declared today their collective support
[01:01:54.560 --> 01:01:56.560]  for an effective climate change agreement
[01:01:56.560 --> 01:01:58.560]  to be reached at next month's 21st session
[01:01:58.560 --> 01:02:00.560]  of the United Nations Conference of Parties
[01:02:00.560 --> 01:02:03.560]  to the U.N. Framework on Climate Change, or Copenhagen 21.
[01:02:03.560 --> 01:02:06.560]  The CEOs of the 10 companies that currently make up
[01:02:06.560 --> 01:02:09.560]  the European Gas Climate Initiative, or OGCI,
[01:02:09.560 --> 01:02:13.560]  are the BG Group, BP, ENI, Pemex, Reliance Industries,
[01:02:13.560 --> 01:02:18.560]  Repsol, Saudi, Aramco, Shell, and Statoil and Total.
[01:02:18.560 --> 01:02:20.560]  Confirmed in their declaration the following,
[01:02:20.560 --> 01:02:21.560]  quote,
[01:02:21.560 --> 01:02:24.560]  Our shared ambition is for a two-degree Celsius future.
[01:02:24.560 --> 01:02:26.560]  It is a challenge for the whole of society.
[01:02:26.560 --> 01:02:28.560]  We are committed to playing our part.
[01:02:28.560 --> 01:02:30.560]  Over the coming years, we will collectively strengthen our actions
[01:02:30.560 --> 01:02:32.560]  and investments to contribute to reducing
[01:02:32.560 --> 01:02:35.560]  the greenhouse gas intensity of a global energy mix.
[01:02:35.560 --> 01:02:37.560]  Our partners will collaborate in a number of areas
[01:02:37.560 --> 01:02:40.560]  with the aim of going beyond the sum of our individual efforts.
[01:02:40.560 --> 01:02:43.560]  The OGCI was established following the discussions
[01:02:43.560 --> 01:02:46.560]  held during the January 2014 World Economic Forum
[01:02:46.560 --> 01:02:48.560]  annual meetings and was officially launched
[01:02:48.560 --> 01:02:51.560]  at the September 2014 U.N. Climate Summit.
[01:02:51.560 --> 01:03:00.560]  This has been your Lowdown for October 16, 2015.
[01:03:00.560 --> 01:03:28.560]  Music
[01:03:28.560 --> 01:03:30.560]  Okay, we are back.
[01:03:30.560 --> 01:03:32.560]  We're in Dekalb, Rubelaw Radio,
[01:03:32.560 --> 01:03:35.560]  and we're talking with Faith in California.
[01:03:35.560 --> 01:03:40.560]  And Faith, I could go on with these stories all night.
[01:03:40.560 --> 01:03:42.560]  I've got a lot of them, but I don't want to.
[01:03:42.560 --> 01:03:44.560]  I'm all night, and I know.
[01:03:44.560 --> 01:03:48.560]  I want to know more about you and what you do.
[01:03:48.560 --> 01:03:53.560]  Did I understand that you help other people with mortgage issues?
[01:03:53.560 --> 01:03:54.560]  I do.
[01:03:54.560 --> 01:03:57.560]  I actually have been doing this volunteer work for a very long time.
[01:03:57.560 --> 01:03:59.560]  I'm revising my book.
[01:03:59.560 --> 01:04:03.560]  I'm trying to get it back up to speed to what the current regulations are.
[01:04:03.560 --> 01:04:06.560]  I have a website called The Fraud of Nations
[01:04:06.560 --> 01:04:08.560]  and a website called We The Plaintiffs
[01:04:08.560 --> 01:04:11.560]  that's kind of showing what I'm doing and exposing the fraud
[01:04:11.560 --> 01:04:15.560]  kind of as a, hey, guys, look, if I can do this, anyone can,
[01:04:15.560 --> 01:04:18.560]  because it's right there in black and white.
[01:04:18.560 --> 01:04:22.560]  You just have to be brave enough to put your foot forward.
[01:04:22.560 --> 01:04:26.560]  So I'm trying hard to teach people how to stand.
[01:04:26.560 --> 01:04:28.560]  I am also a broker-relator,
[01:04:28.560 --> 01:04:36.560]  and I was a past privileged broker for wholesale mortgages in the industry.
[01:04:36.560 --> 01:04:38.560]  So I actually do know,
[01:04:38.560 --> 01:04:43.560]  because of my federal investigation involvement crap that I had to deal with,
[01:04:43.560 --> 01:04:46.560]  and believe me, it was crap,
[01:04:46.560 --> 01:04:49.560]  I do know where these frauds are, how to find them,
[01:04:49.560 --> 01:04:51.560]  and how to find them quickly,
[01:04:51.560 --> 01:04:56.560]  and know whether or not a loan is actually void versus voidable at a glance
[01:04:56.560 --> 01:04:58.560]  just because of how it was inspected.
[01:04:58.560 --> 01:05:01.560]  And the bottom line truth of it, as I'm sure you're well aware,
[01:05:01.560 --> 01:05:05.560]  is especially on these pass-through remakes,
[01:05:05.560 --> 01:05:07.560]  is the fact is that they were just using for a year
[01:05:07.560 --> 01:05:11.560]  until they could be swapped out and refinanced under another rigged LIBOR,
[01:05:11.560 --> 01:05:15.560]  and they actually utilized the rigged LIBOR, I'm sorry,
[01:05:15.560 --> 01:05:20.560]  ISDA 6 to mitigate the value of the world's currency by the refinance.
[01:05:20.560 --> 01:05:23.560]  It's just that they used LIBOR within the refinance.
[01:05:23.560 --> 01:05:24.560]  Okay, okay.
[01:05:24.560 --> 01:05:28.560]  There's something, I want to test your knowledge.
[01:05:28.560 --> 01:05:36.560]  I have a friend, he's also a financial backer of mine, in San Diego.
[01:05:36.560 --> 01:05:43.560]  He filed a suit challenging an assignment of the security instruments.
[01:05:43.560 --> 01:05:51.560]  He filed it based on specific information he had that demonstrated
[01:05:51.560 --> 01:05:57.560]  that the filing was improper.
[01:05:57.560 --> 01:06:01.560]  He just went and argued his position before the Court of Appeals,
[01:06:01.560 --> 01:06:04.560]  and this is what we argued.
[01:06:04.560 --> 01:06:12.560]  He's claiming that Glassky gave an individual standing to challenge an assignment
[01:06:12.560 --> 01:06:18.560]  even though he wasn't a direct party to the assignment itself.
[01:06:18.560 --> 01:06:22.560]  And the circuit that he's in follows Jenkins,
[01:06:22.560 --> 01:06:31.560]  and Jenkins is being purported as saying that the borrower has no standing
[01:06:31.560 --> 01:06:39.560]  to challenge an assignment because he is not a party to the transaction.
[01:06:39.560 --> 01:06:47.560]  But when I read Jenkins, that's not what Jenkins says.
[01:06:47.560 --> 01:06:49.560]  That's right, it's not.
[01:06:49.560 --> 01:06:55.560]  Jenkins says you can't go on a fishing expedition.
[01:06:55.560 --> 01:06:59.560]  You can't come in and say, well, they did this assignment.
[01:06:59.560 --> 01:07:03.560]  I don't like it, I don't think it's valid,
[01:07:03.560 --> 01:07:08.560]  so I'm going to sue the Quiet Title Action to get it removed.
[01:07:08.560 --> 01:07:15.560]  And the Court said you can't challenge it just because you think it might be invalid.
[01:07:15.560 --> 01:07:17.560]  You must come in with facts.
[01:07:17.560 --> 01:07:24.560]  So what we asked the Court to do was distinguish Jenkins
[01:07:24.560 --> 01:07:30.560]  in a way that would put Jenkins in line with Glassky,
[01:07:30.560 --> 01:07:34.560]  because essentially that's what Glassky says.
[01:07:34.560 --> 01:07:38.560]  If you have reason to believe the security instrument is invalid,
[01:07:38.560 --> 01:07:40.560]  you have standing to challenge it.
[01:07:40.560 --> 01:07:41.560]  I mean, not the security instrument,
[01:07:41.560 --> 01:07:43.560]  but the assignment of the security instrument is valid.
[01:07:43.560 --> 01:07:44.560]  The assignment, correct.
[01:07:44.560 --> 01:07:47.560]  Right, and you're trying to blend the beneficiary like the authority,
[01:07:47.560 --> 01:07:51.560]  which does coincide with the Jenkins, correct?
[01:07:51.560 --> 01:07:52.560]  Yes.
[01:07:52.560 --> 01:07:55.560]  Because that's just facts that the beneficiary, yes.
[01:07:55.560 --> 01:07:57.560]  Okay, Mozia, go ahead.
[01:07:57.560 --> 01:08:05.560]  Okay, he went into the hearing and he pretty well thinks they're going to blow him off.
[01:08:05.560 --> 01:08:14.560]  Are you familiar with the case the Supreme Court is looking at,
[01:08:14.560 --> 01:08:18.560]  Yovanov, or the artist, and I think she's in San Diego.
[01:08:18.560 --> 01:08:20.560]  Yes, I am familiar with that.
[01:08:20.560 --> 01:08:26.560]  In fact, my case in the Supreme Court is in the Supreme Court in support of Yovanov,
[01:08:26.560 --> 01:08:30.560]  that points out specific reasons why Yovanov should go through
[01:08:30.560 --> 01:08:33.560]  and the Glassky Jenkins should be revisited,
[01:08:33.560 --> 01:08:40.560]  Glassky for the assignment and Jenkins for the beneficiary.
[01:08:40.560 --> 01:08:44.560]  So primarily what do you do?
[01:08:44.560 --> 01:08:47.560]  I have a page up here that's called the plaintiff.
[01:08:47.560 --> 01:08:50.560]  Plaintiff.com, is that your page?
[01:08:50.560 --> 01:08:52.560]  No, we the plaintiffs.
[01:08:52.560 --> 01:08:54.560]  Oh, we the plaintiffs, okay.
[01:08:54.560 --> 01:09:01.560]  Just for the record, on this show we highly encourage shameless self-promotion.
[01:09:01.560 --> 01:09:05.560]  Oh, okay, well, yay.
[01:09:05.560 --> 01:09:13.560]  We want people to have access to all the assistance they can find.
[01:09:13.560 --> 01:09:15.560]  I think that the Supreme Court should proceed to the question
[01:09:15.560 --> 01:09:18.560]  of whether the assignment was void versus voidable,
[01:09:18.560 --> 01:09:25.560]  simply because if you were to void out every single solitary securitized bad-ass loan,
[01:09:25.560 --> 01:09:28.560]  just because it was, you know, merged connected,
[01:09:28.560 --> 01:09:33.560]  it's going to crash a lot of the system when you really need to be renovating these loans,
[01:09:33.560 --> 01:09:38.560]  and I don't mean modifying, I mean actually redoing the entire loan.
[01:09:38.560 --> 01:09:44.560]  I'm not happy about the UCL Foreclosure Act that they're trying to push through,
[01:09:44.560 --> 01:09:46.560]  because I've spoken with those drafters,
[01:09:46.560 --> 01:09:48.560]  and they intend to take all these loans,
[01:09:48.560 --> 01:09:51.560]  because they call them a blight within their system,
[01:09:51.560 --> 01:09:54.560]  and they take all these blighted loans to call them immediately due
[01:09:54.560 --> 01:09:57.560]  and payable back to the original terms and the condition.
[01:09:57.560 --> 01:10:01.560]  Did you know that they've already have these FDIC fees?
[01:10:01.560 --> 01:10:03.560]  Banks already lined up as members within the system,
[01:10:03.560 --> 01:10:09.560]  because they want to make that merged system the go-to UCL foreclosure law,
[01:10:09.560 --> 01:10:14.560]  the actual system in play to help do that?
[01:10:14.560 --> 01:10:21.560]  No, I didn't know that, but MERS seems to have caused them so much misery
[01:10:21.560 --> 01:10:26.560]  that I would have thought they would try to find another method.
[01:10:26.560 --> 01:10:32.560]  Oh, yeah, well, they keep doing it, MERS 1, MERS 2, MERS 3, MERS Corp, the trademark,
[01:10:32.560 --> 01:10:36.560]  MERS racketeering system, yeah, I get it.
[01:10:36.560 --> 01:10:45.560]  I don't go after the security issue very often anymore.
[01:10:45.560 --> 01:10:52.560]  I go after the security issue if the case leads me directly to it,
[01:10:52.560 --> 01:10:56.560]  but for the most part, I never get there.
[01:10:56.560 --> 01:11:02.560]  And what I found very effective is we go back to the contract.
[01:11:02.560 --> 01:11:09.560]  One thing I never do is make a claim under whole petite arrest.
[01:11:09.560 --> 01:11:16.560]  The legislature made this big deal of passing these consumer protection laws
[01:11:16.560 --> 01:11:22.560]  to give us poor saps out here the idea that they were doing something to protect us.
[01:11:22.560 --> 01:11:30.560]  And they were putting limits on these banksters that were the very ones
[01:11:30.560 --> 01:11:35.560]  payrolling these public officials' election funds.
[01:11:35.560 --> 01:11:40.560]  So while they put on this big show of producing consumer protection laws,
[01:11:40.560 --> 01:11:45.560]  they created a remedy and set the time limitation on the remedy so short
[01:11:45.560 --> 01:11:49.560]  as to make it virtually ineffective.
[01:11:49.560 --> 01:11:54.560]  Problem, they got a problem.
[01:11:54.560 --> 01:11:59.560]  Covenant 15 of the Fannie Mae Freddie Mac uniform instruments.
[01:11:59.560 --> 01:12:02.560]  Yes.
[01:12:02.560 --> 01:12:05.560]  It says, I'm sorry, I said 15, I mean 16.
[01:12:05.560 --> 01:12:10.560]  15 is a requirement that all notices be provided
[01:12:10.560 --> 01:12:15.560]  and that they be provided by certified mail.
[01:12:15.560 --> 01:12:23.560]  16 provides both parties agree to abide by all relevant law.
[01:12:23.560 --> 01:12:29.560]  I never, I cite the violation of whole petite arrest,
[01:12:29.560 --> 01:12:34.560]  but I don't claim the remedy provided by the legislature.
[01:12:34.560 --> 01:12:43.560]  I claim repudiation of the contract by breach of Covenant 16.
[01:12:43.560 --> 01:12:44.560]  Okay.
[01:12:44.560 --> 01:12:47.560]  No time limitation on that one.
[01:12:47.560 --> 01:12:53.560]  That we put this covenant in the contract to prevent
[01:12:53.560 --> 01:12:59.560]  exactly the problem that we're having.
[01:12:59.560 --> 01:13:05.560]  If you ask a judge to render a ruling that will change the legal landscape
[01:13:05.560 --> 01:13:11.560]  as he knows it, he does not want to change the legal world around him.
[01:13:11.560 --> 01:13:14.560]  He wants to keep his head down.
[01:13:14.560 --> 01:13:19.560]  But if you ask the judge to look at the contract as it stands,
[01:13:19.560 --> 01:13:25.560]  and is there evidence that the lender defaulted on the contract,
[01:13:25.560 --> 01:13:33.560]  the deed of trust, the deed of trust grants two privileges to the lender.
[01:13:33.560 --> 01:13:37.560]  It grants a privilege of a claim against the property,
[01:13:37.560 --> 01:13:44.560]  and in a non-judicial state, it grants a confessed judgment
[01:13:44.560 --> 01:13:48.560]  of that claim against the property.
[01:13:48.560 --> 01:13:53.560]  But it does so under certain covenants and conditions.
[01:13:53.560 --> 01:13:56.560]  So when the bank comes to the table
[01:13:56.560 --> 01:14:01.560]  and accuses the lender of breaching a covenant of the deed of trust,
[01:14:01.560 --> 01:14:07.560]  the bank can only do that if they haven't breached a covenant first.
[01:14:07.560 --> 01:14:09.560]  Correct.
[01:14:09.560 --> 01:14:15.560]  If they've breached a covenant, they've repudiated the contract.
[01:14:15.560 --> 01:14:20.560]  So in trying to keep everything in contract law,
[01:14:20.560 --> 01:14:26.560]  the judge merely rules on this document that's in front of him,
[01:14:26.560 --> 01:14:30.560]  on whether the two parties to this particular document,
[01:14:30.560 --> 01:14:32.560]  abided by the covenants of the document,
[01:14:32.560 --> 01:14:36.560]  not on whether securitization is legal,
[01:14:36.560 --> 01:14:39.560]  whether the pool did what they were supposed to.
[01:14:39.560 --> 01:14:45.560]  And I got so much into deed of trust.
[01:14:45.560 --> 01:14:52.560]  Ms. Leslie was just talking about notice and your three-day rescission rule.
[01:14:52.560 --> 01:14:57.560]  If they sell you something and they don't give you clear notice,
[01:14:57.560 --> 01:15:03.560]  well, read the deed of trust and see if that gives you clear notice,
[01:15:03.560 --> 01:15:11.560]  especially if it's a Fannie Mae Freddie Mac uniform instrument with MERS.
[01:15:11.560 --> 01:15:15.560]  I think whoever wrote that was on crack.
[01:15:15.560 --> 01:15:20.560]  Well, the contract was breached upon – it was breached prior to it being printed.
[01:15:20.560 --> 01:15:24.560]  So, you know, you've got breach upon inception, bifurcation upon inception.
[01:15:24.560 --> 01:15:28.560]  You've got breaches of the – you have reconveniences under Title Line 23.
[01:15:28.560 --> 01:15:31.560]  They're pretty much all the same across the board.
[01:15:31.560 --> 01:15:36.560]  Anything that's Fannie Mae Freddie Mac uniform with MERS assumes that Fannie and Freddie,
[01:15:36.560 --> 01:15:39.560]  you know, MERS follows the guidelines of Fannie and Freddie.
[01:15:39.560 --> 01:15:40.560]  I mean –
[01:15:40.560 --> 01:15:41.560]  Okay.
[01:15:41.560 --> 01:15:47.560]  As to the deed of trust, what is the position of MERS?
[01:15:47.560 --> 01:15:48.560]  MERS has no position.
[01:15:48.560 --> 01:15:49.560]  They are nothing.
[01:15:49.560 --> 01:15:50.560]  Yeah.
[01:15:50.560 --> 01:15:51.560]  They are trade cards registered.
[01:15:51.560 --> 01:15:56.560]  This document says that MERS is a nominee for the lender.
[01:15:56.560 --> 01:15:57.560]  Well, I looked up –
[01:15:57.560 --> 01:16:01.560]  And they cannot be a nominee for the lender.
[01:16:01.560 --> 01:16:02.560]  Pardon me.
[01:16:02.560 --> 01:16:03.560]  I missed that.
[01:16:03.560 --> 01:16:06.560]  No, they can't be a nominee for the lender.
[01:16:06.560 --> 01:16:07.560]  They just can't.
[01:16:07.560 --> 01:16:10.560]  Well, what is a nominee?
[01:16:10.560 --> 01:16:14.560]  Wait a minute.
[01:16:14.560 --> 01:16:15.560]  I missed that.
[01:16:15.560 --> 01:16:20.560]  If I'm speaking and you speak, your voice pushes undermined that we have a separate –
[01:16:20.560 --> 01:16:21.560]  Sorry.
[01:16:21.560 --> 01:16:22.560]  – picture on the system.
[01:16:22.560 --> 01:16:23.560]  So I missed that part.
[01:16:23.560 --> 01:16:24.560]  What is a nominee?
[01:16:24.560 --> 01:16:31.560]  Essentially, a nominee is just somebody who is a candidate for office, essentially.
[01:16:31.560 --> 01:16:34.560]  That's the way I read it.
[01:16:34.560 --> 01:16:38.560]  It reads the same way in blacks as it does in Webster's.
[01:16:38.560 --> 01:16:44.560]  So it's somebody who is being considered for appointment to a position.
[01:16:44.560 --> 01:16:50.560]  Well, when I read the data trust, I don't know what the heck that means because that's
[01:16:50.560 --> 01:16:51.560]  not what it's referred to.
[01:16:51.560 --> 01:16:52.560]  And hang on.
[01:16:52.560 --> 01:16:53.560]  I have to go to break.
[01:16:53.560 --> 01:16:54.560]  We have to tap.
[01:16:54.560 --> 01:16:55.560]  Oh, we have our radio.
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[01:19:00.560 --> 01:19:10.560]  This is the Logos Radio Network.
[01:19:30.560 --> 01:19:41.560]  Okay, we are back, Randy.
[01:19:41.560 --> 01:19:45.560]  We're talking to Faith in California.
[01:19:45.560 --> 01:19:48.560]  I'm going to stop talking about the Deed of Trust right now.
[01:19:48.560 --> 01:19:55.560]  What I would really like to do is just give you the mic
[01:19:55.560 --> 01:20:02.560]  and imagine you're talking to someone that doesn't know anything about
[01:20:02.560 --> 01:20:07.560]  their mortgage or the foreclosure process.
[01:20:07.560 --> 01:20:15.560]  What would you advise them to do on the front end?
[01:20:15.560 --> 01:20:20.560]  Oh, hold on. I forgot to unmute the mic. My bad.
[01:20:20.560 --> 01:20:25.560]  Okay. How would you advise them from the start?
[01:20:25.560 --> 01:20:28.560]  Okay. Well, from the start, it depends.
[01:20:28.560 --> 01:20:32.560]  Every person's situation is unique, but they do follow a similar pattern.
[01:20:32.560 --> 01:20:35.560]  Wait a minute. Move your mic a little.
[01:20:35.560 --> 01:20:38.560]  Move it down by your chin a little bit.
[01:20:38.560 --> 01:20:44.560]  You have a nice, full voice, and it's overpowering the mic a little bit.
[01:20:44.560 --> 01:20:46.560]  Okay. How's that?
[01:20:46.560 --> 01:20:48.560]  That's much better.
[01:20:48.560 --> 01:20:52.560]  Okay, good. Yeah, I get kind of loud. I apologize for that.
[01:20:52.560 --> 01:20:55.560]  But it generally is from the beginning.
[01:20:55.560 --> 01:20:58.560]  And most of the times I've seen a pattern of the same type of history
[01:20:58.560 --> 01:21:01.560]  where the banks will tell you, well, we can't help you change your loan
[01:21:01.560 --> 01:21:03.560]  or modify your loan unless you're in default.
[01:21:03.560 --> 01:21:05.560]  And then when you go into default, they don't help you,
[01:21:05.560 --> 01:21:09.560]  and you end up going into this pattern of the trying to catch up,
[01:21:09.560 --> 01:21:11.560]  the forbearance, and blah, blah.
[01:21:11.560 --> 01:21:16.560]  It just depends on where you're at in the process of the entire thing.
[01:21:16.560 --> 01:21:19.560]  There's a lot of advocacy groups that are already out there
[01:21:19.560 --> 01:21:21.560]  that are helping people out like crazy.
[01:21:21.560 --> 01:21:24.560]  Depending if your loan has, if you're still with the original lender,
[01:21:24.560 --> 01:21:30.560]  well, you can always go to, like, NACA or to the home safe programs like AASER,
[01:21:30.560 --> 01:21:35.560]  or they have the places where you can do the modifications to do the forgiveness,
[01:21:35.560 --> 01:21:38.560]  but never try to negotiate directly with the bank
[01:21:38.560 --> 01:21:40.560]  because the banks have their internal systems,
[01:21:40.560 --> 01:21:45.560]  but they are trained to tell you the wrong information.
[01:21:45.560 --> 01:21:50.560]  They're trained to get every cent from you, and they train their people that way.
[01:21:50.560 --> 01:21:54.560]  Part of the reason why a lot of these advocacy groups call me to talk
[01:21:54.560 --> 01:21:59.560]  is to kind of shed the light about how the internal workings of the bank
[01:21:59.560 --> 01:22:03.560]  actually work to work against you, not for you.
[01:22:03.560 --> 01:22:04.560]  So do not do it alone.
[01:22:04.560 --> 01:22:08.560]  Get an advocacy or advocate or somebody who is familiar enough
[01:22:08.560 --> 01:22:10.560]  with the foreclosure process.
[01:22:10.560 --> 01:22:13.560]  If you're just in the beginning stages of it and you're just getting into the,
[01:22:13.560 --> 01:22:16.560]  you know, stages of filing the notices of default against you,
[01:22:16.560 --> 01:22:20.560]  you still have enough time to challenge the notices of default,
[01:22:20.560 --> 01:22:26.560]  and there's new consumer financial protection regulations that you can follow as well.
[01:22:26.560 --> 01:22:27.560]  And I have them listed.
[01:22:27.560 --> 01:22:32.560]  I have the steps on the side in my defrauded nations website
[01:22:32.560 --> 01:22:34.560]  that you can kind of sort of follow on trying to get them organized
[01:22:34.560 --> 01:22:35.560]  and get them stronger.
[01:22:35.560 --> 01:22:36.560]  Okay, okay.
[01:22:36.560 --> 01:22:39.560]  What was that website again?
[01:22:39.560 --> 01:22:42.560]  defraudednations.com.
[01:22:42.560 --> 01:22:44.560]  Can you spell that?
[01:22:44.560 --> 01:22:48.560]  Yeah, it's just how it sounds, defraudednations.
[01:22:48.560 --> 01:22:51.560]  Spotted, it's P-O-T-T-E-D?
[01:22:51.560 --> 01:22:53.560]  No, defrauded.
[01:22:53.560 --> 01:22:55.560]  Oh, defrauded, okay.
[01:22:55.560 --> 01:22:59.560]  I'm having a little trouble with the fidelity on that mic.
[01:22:59.560 --> 01:23:02.560]  Yeah, and there are letters that you can write to challenge it,
[01:23:02.560 --> 01:23:03.560]  and you can file your complaints.
[01:23:03.560 --> 01:23:05.560]  Get your complaints documented.
[01:23:05.560 --> 01:23:07.560]  There's really good agencies.
[01:23:07.560 --> 01:23:12.560]  If your thing has been transferred over to a servicer, a non-bank servicer,
[01:23:12.560 --> 01:23:21.560]  then you go to the, you know, you don't go to like the board of,
[01:23:21.560 --> 01:23:25.560]  what am I trying to think?
[01:23:25.560 --> 01:23:27.560]  Oh, it'll come to me in a second.
[01:23:27.560 --> 01:23:33.560]  But don't go to the Consumer Financial Protection Bureau.
[01:23:33.560 --> 01:23:37.560]  If you're just trying to fight like a non-bank servicer, you can register there.
[01:23:37.560 --> 01:23:39.560]  This is the database complaint.
[01:23:39.560 --> 01:23:45.560]  What you really want to do is you want to start talking to your local attorney general,
[01:23:45.560 --> 01:23:48.560]  your local congressman, anybody that you can talk to.
[01:23:48.560 --> 01:23:53.560]  I actually have a list of government agencies that you can literally reach out through your email
[01:23:53.560 --> 01:23:56.560]  and start spanking the banks from afar to get them in line,
[01:23:56.560 --> 01:24:01.560]  to get them to actually start working with you to get back up to speed.
[01:24:01.560 --> 01:24:07.560]  But if you're like so many of them that got trapped in one of these predatory loans from the start
[01:24:07.560 --> 01:24:11.560]  and you're on your last leg and you've been through the wringer already,
[01:24:11.560 --> 01:24:15.560]  there's still a lot of defenses left for you to be able to do,
[01:24:15.560 --> 01:24:19.560]  just because they have not followed a lot of the rules.
[01:24:19.560 --> 01:24:24.560]  One of the main things I would advise is find the breaches within the contracts
[01:24:24.560 --> 01:24:26.560]  that you can actually fight.
[01:24:26.560 --> 01:24:30.560]  They're not very difficult to find, especially if you know what you're looking for.
[01:24:30.560 --> 01:24:34.560]  I know you know Rod Stoppers has a really good informational slide
[01:24:34.560 --> 01:24:37.560]  that goes a little bit more into the depths of the securitization
[01:24:37.560 --> 01:24:40.560]  and what they did versus the contract where they breached it
[01:24:40.560 --> 01:24:45.560]  and some other very useful information on his slides that I do love
[01:24:45.560 --> 01:24:48.560]  and have enjoyed reading through the slides.
[01:24:48.560 --> 01:24:52.560]  One of the things I would highly recommend is to contact your local title department
[01:24:52.560 --> 01:24:58.560]  and get a chain of title and get a chain of corporate transfers
[01:24:58.560 --> 01:25:01.560]  just to see what the heck that they've been doing.
[01:25:01.560 --> 01:25:05.560]  A lot of the times you can just simply find right on your deed of trust,
[01:25:05.560 --> 01:25:11.560]  right on the front page, whether or not you've disclosed the right lender or not
[01:25:11.560 --> 01:25:14.560]  off of the MERS member identification number.
[01:25:14.560 --> 01:25:17.560]  The member identification number is called the MERS NIN number
[01:25:17.560 --> 01:25:23.560]  and the MERS NIN numbers for seven digits is actually the membership number
[01:25:23.560 --> 01:25:25.560]  assigned to that particular lender.
[01:25:25.560 --> 01:25:29.560]  That membership number, because you can just go online and look up MERS member lookup,
[01:25:29.560 --> 01:25:32.560]  does not match your lender information.
[01:25:32.560 --> 01:25:39.560]  Countrywide you sometimes would use Bank of America or a third party broker source,
[01:25:39.560 --> 01:25:46.560]  you know these third parties such and such federal savings banks, XYZ,
[01:25:46.560 --> 01:25:48.560]  that wasn't really the lender.
[01:25:48.560 --> 01:25:51.560]  What they were doing is they were brokering to the originator of the remit.
[01:25:51.560 --> 01:25:56.560]  That will tell you right up if that was legitimately the lender disclosed on your contract.
[01:25:56.560 --> 01:26:00.560]  The second set of numbers on the member identification number is actually
[01:26:00.560 --> 01:26:02.560]  identified as your loan number.
[01:26:02.560 --> 01:26:06.560]  That should be your loan number, not a separate series of separate numbers
[01:26:06.560 --> 01:26:08.560]  that doesn't exist.
[01:26:08.560 --> 01:26:11.560]  If that's not the same as your loan number, what that means is that was passed
[01:26:11.560 --> 01:26:14.560]  through the fundings that never came in to you.
[01:26:14.560 --> 01:26:18.560]  That actually is showing on the deed of trust immediate tender.
[01:26:18.560 --> 01:26:24.560]  That's what they tell and you've obligated, you've proposed your obligation,
[01:26:24.560 --> 01:26:27.560]  which actually cracks me up every time I see one of them.
[01:26:27.560 --> 01:26:30.560]  It's like, oh look, somebody paid for somebody else's money.
[01:26:30.560 --> 01:26:35.560]  I do look at it that way simply because in the manner in which these were set up,
[01:26:35.560 --> 01:26:43.560]  all these remits were set up, is the master servicer was essentially putting forth these,
[01:26:43.560 --> 01:26:52.560]  hey, we'll give you these, how do you pronounce it, servani-sonics guarantees?
[01:26:52.560 --> 01:26:54.560]  You still there Steve or am I talking to you?
[01:26:54.560 --> 01:26:58.560]  Yeah, I'm not getting that part.
[01:26:58.560 --> 01:27:04.560]  100% guarantees and so they would induce the investors to invest in the remit
[01:27:04.560 --> 01:27:08.560]  by these prepaid warehouses to fund in the loans,
[01:27:08.560 --> 01:27:11.560]  which would get filtered through the immersed actual system.
[01:27:11.560 --> 01:27:15.560]  If you actually break apart the immersed system, you can see how it functions
[01:27:15.560 --> 01:27:18.560]  and how it was filtered through a lot of these pass-throughs
[01:27:18.560 --> 01:27:24.560]  because there's three different sections to the actual conduits themselves that kind of filtered
[01:27:24.560 --> 01:27:27.560]  and actually laundered because money laundering,
[01:27:27.560 --> 01:27:33.560]  the funds through the investors down into the funding of your loan.
[01:27:33.560 --> 01:27:35.560]  I know that's getting really deep.
[01:27:35.560 --> 01:27:39.560]  But back to the point is if those two simple numbers, if they're not the same,
[01:27:39.560 --> 01:27:40.560]  then it's a breach of contract.
[01:27:40.560 --> 01:27:44.560]  That's how you can tell immediately if it was an imminent breach upon inception.
[01:27:44.560 --> 01:27:48.560]  Another way is, of course, the assignments, which I am in support of
[01:27:48.560 --> 01:27:53.560]  and I hope that they take my information to heart up at the Supreme Court
[01:27:53.560 --> 01:27:58.560]  because I don't think they would have actually taken me any other way coming in as a pro se.
[01:27:58.560 --> 01:28:04.560]  For anybody who knows how the Supreme Court works is very, very difficult to get a case into.
[01:28:04.560 --> 01:28:12.560]  Wait a minute. Are you the pro se amicus that I heard about?
[01:28:12.560 --> 01:28:14.560]  Amicus?
[01:28:14.560 --> 01:28:18.560]  Did you file an amicus with the Supreme?
[01:28:18.560 --> 01:28:22.560]  In the Yovanov case?
[01:28:22.560 --> 01:28:26.560]  No, I didn't file an amicus. I actually got into the Supreme Court.
[01:28:26.560 --> 01:28:33.560]  Someone did. I heard about a pro se amicus filed in that case.
[01:28:33.560 --> 01:28:41.560]  Not an amicus. No, but I did file a certiorari.
[01:28:41.560 --> 01:28:43.560]  Certiorari.
[01:28:43.560 --> 01:28:45.560]  Certiorari.
[01:28:45.560 --> 01:28:49.560]  Certiorari. A cert writ, right?
[01:28:49.560 --> 01:28:51.560]  Yeah.
[01:28:51.560 --> 01:28:59.560]  Okay. I did just submit that going and presenting questions before the court in regards to having,
[01:28:59.560 --> 01:29:04.560]  you know, why are we not allowed to invoke the grand jury to do these investigations ourselves?
[01:29:04.560 --> 01:29:06.560]  Why is that limited to just DOJ?
[01:29:06.560 --> 01:29:13.560]  And why can't a person who's actually volunteered with the DOJ and the FBI and the IRS,
[01:29:13.560 --> 01:29:20.560]  as someone who is qualified, when they say, hey, look, this is affecting the public safety and welfare of the people,
[01:29:20.560 --> 01:29:24.560]  why can't you do that off of them?
[01:29:24.560 --> 01:29:27.560]  So those questions are out there.
[01:29:27.560 --> 01:29:31.560]  Of course, they're more, you know, legally written than what I'm conveying.
[01:29:31.560 --> 01:29:39.560]  But it's the same sentiment as how can a judge not prejudge somebody's study upfront?
[01:29:39.560 --> 01:29:45.560]  But as far as somebody just starting out in the process, that's absolutely, you've got to hit the pre-trial contract.
[01:29:45.560 --> 01:29:51.560]  That's the only way right now that you have a chance of winning in the court.
[01:29:51.560 --> 01:30:01.560]  Okay. This is after we helped 600 or 700 people file federal lawsuits.
[01:30:01.560 --> 01:30:06.560]  Would you spend the entire day watching store surveillance videos if you didn't have to?
[01:30:06.560 --> 01:30:07.560]  I didn't think so.
[01:30:07.560 --> 01:30:11.560]  But some people apparently would, and they'll even pay for the privilege.
[01:30:11.560 --> 01:30:16.560]  I'm Dr. Catherine Albrecht, and I'll be right back to tell you about Video Voyeurs.
[01:30:16.560 --> 01:30:18.560]  Privacy is under attack.
[01:30:18.560 --> 01:30:21.560]  When you give up data about yourself, you'll never get it back again.
[01:30:21.560 --> 01:30:26.560]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[01:30:26.560 --> 01:30:31.560]  So protect your rights, say no to surveillance, and keep your information to yourself.
[01:30:31.560 --> 01:30:34.560]  Privacy, it's worth hanging on to.
[01:30:34.560 --> 01:30:37.560]  This public service announcement is brought to you by StartPage.com,
[01:30:37.560 --> 01:30:41.560]  the private search engine alternative to Google, Yahoo, and Bing.
[01:30:41.560 --> 01:30:45.560]  Start over with StartPage.
[01:30:45.560 --> 01:30:51.560]  Imagine sitting in the corner of a store watching people buy the same products day after boring day.
[01:30:51.560 --> 01:30:54.560]  That's the life of the average security camera, yawn.
[01:30:54.560 --> 01:30:59.560]  But a British company called Internet Eyes gets people to pay to watch these video streams.
[01:30:59.560 --> 01:31:05.560]  They pay around 20 bucks, then members log on to watch UK stores and streets for criminal activity,
[01:31:05.560 --> 01:31:09.560]  hoping to win a monthly prize for being the most eagle-eyed.
[01:31:09.560 --> 01:31:14.560]  The plan is revolting, but it really went sour when members started posting YouTube videos
[01:31:14.560 --> 01:31:16.560]  of the unsuspecting shoppers.
[01:31:16.560 --> 01:31:21.560]  It's what you'd expect from the sort of person who enjoys watching surveillance cameras in the first place.
[01:31:21.560 --> 01:31:23.560]  Some people really need to get a life.
[01:31:23.560 --> 01:31:30.560]  I'm Dr. Catherine Albrecht. More news and information at CatherineAlbrecht.com.
[01:31:30.560 --> 01:31:35.560]  This is Building 7, a 47-story skyscraper that fell on the afternoon of September 11.
[01:31:35.560 --> 01:31:37.560]  The government says that fire brought it down.
[01:31:37.560 --> 01:31:42.560]  However, 1,500 architects and engineers concluded it was a controlled demolition.
[01:31:42.560 --> 01:31:45.560]  Over 6,000 of my fellow service members have given their lives.
[01:31:45.560 --> 01:31:48.560]  Thousands of my fellow first responders are dying.
[01:31:48.560 --> 01:31:50.560]  I'm not a conspiracy theorist. I'm a structural engineer.
[01:31:50.560 --> 01:31:53.560]  I'm a New York City correction officer. I'm an Air Force pilot.
[01:31:53.560 --> 01:31:57.560]  I'm a father who lost his son. We're Americans, and we deserve the truth.
[01:31:57.560 --> 01:32:00.560]  Go to RememberBuilding7.org today.
[01:32:00.560 --> 01:32:02.560]  Hey, it's Danny here for Hill Country Home Improvements.
[01:32:02.560 --> 01:32:05.560]  Did your home receive hail or wind damage from the recent storms?
[01:32:05.560 --> 01:32:10.560]  Come on, we all know the government caused it with their chemtrails, but good luck getting them to pay for it.
[01:32:10.560 --> 01:32:13.560]  Okay, I might be kidding about the chemtrails, but I'm serious about your roof.
[01:32:13.560 --> 01:32:20.560]  That's why you have insurance, and Hill Country Home Improvements can handle the claim for you with little to no out-of-pocket expense.
[01:32:20.560 --> 01:32:26.560]  And we accept Bitcoin as a multiyear A-plus member of the Better Business Bureau with zero complaints.
[01:32:26.560 --> 01:32:31.560]  You can trust Hill Country Home Improvements to handle your claim and your roof right the first time.
[01:32:31.560 --> 01:32:37.560]  Just call 512-992-8745 or go to hillcountryhomeimprovements.com.
[01:32:37.560 --> 01:32:44.560]  Mention the crypto show and get $100 off, and we'll donate another $100 to the Logos Radio Network to help continue this programming.
[01:32:44.560 --> 01:32:49.560]  So if those out-of-town roofers come knocking, your door should be locking.
[01:32:49.560 --> 01:32:55.560]  That's 512-992-8745 or hillcountryhomeimprovements.com.
[01:32:55.560 --> 01:32:58.560]  Discounts are based on full roof replacement.
[01:32:58.560 --> 01:33:00.560]  May not actually be kidding about chemtrails.
[01:33:00.560 --> 01:33:10.560]  Looking for some truth? You found it. Logosradionetwork.com.
[01:33:30.560 --> 01:33:45.560]  Okay, we are back.
[01:33:45.560 --> 01:33:49.560]  Helping Google our radio.
[01:33:49.560 --> 01:33:52.560]  And I lost my place going out.
[01:33:52.560 --> 01:33:58.560]  I'm trying to avoid going directly to all the contract stuff.
[01:33:58.560 --> 01:34:05.560]  I want to kind of stay with what you do, because I could do eight hours on what I do.
[01:34:05.560 --> 01:34:09.560]  Oh, yeah. All I do is I provide information.
[01:34:09.560 --> 01:34:12.560]  I share the love on how people can fight back.
[01:34:12.560 --> 01:34:17.560]  My hope is to try to teach people how to do it themselves and realize that, you know,
[01:34:17.560 --> 01:34:21.560]  you're going to have a better chance standing on your own two feet.
[01:34:21.560 --> 01:34:27.560]  When you're out there in the world thinking that you've got a good attorney and that they're doing good for you,
[01:34:27.560 --> 01:34:32.560]  then you later find out that that monthly retainer was just a residual income for them,
[01:34:32.560 --> 01:34:34.560]  and then you're losing the house anyway.
[01:34:34.560 --> 01:34:37.560]  That's not a good thing, yet this is what's going on.
[01:34:37.560 --> 01:34:43.560]  And you also have these attorneys that are being signed over to these new contracts
[01:34:43.560 --> 01:34:48.560]  that are essentially coming to the people that they're supposed to propose upon and saying,
[01:34:48.560 --> 01:34:51.560]  hey, well, if you pay us protection money, in a sense,
[01:34:51.560 --> 01:34:55.560]  we've got this new program that if you pay us our monthly retainer fee,
[01:34:55.560 --> 01:34:58.560]  then we'll stay off the foreclosure for another couple of years,
[01:34:58.560 --> 01:35:02.560]  but they can't leave with the foreclosure fund in the first place.
[01:35:02.560 --> 01:35:05.560]  It's very difficult.
[01:35:05.560 --> 01:35:13.560]  I can hold off the foreclosure for three years on a standing suit alone.
[01:35:13.560 --> 01:35:15.560]  I know, right?
[01:35:15.560 --> 01:35:17.560]  That's really easy to do.
[01:35:17.560 --> 01:35:19.560]  Fighting for seven years.
[01:35:19.560 --> 01:35:25.560]  We've helped some, almost 700 people file federal lawsuits,
[01:35:25.560 --> 01:35:32.560]  and in the end, the vast majority of the people we helped just gave up and walked away.
[01:35:32.560 --> 01:35:34.560]  They couldn't handle the stress.
[01:35:34.560 --> 01:35:36.560]  The banks know that.
[01:35:36.560 --> 01:35:42.560]  So we've been working on a different strategy.
[01:35:42.560 --> 01:35:49.560]  Right now, I don't try to help people win cases against the banks.
[01:35:49.560 --> 01:35:51.560]  The courts have bought and paid for you.
[01:35:51.560 --> 01:35:55.560]  You're not going to win your case against the bank, and that's all there is to that.
[01:35:55.560 --> 01:36:02.560]  However, it doesn't cost you $600 an hour for a lawyer.
[01:36:02.560 --> 01:36:04.560]  It does the bank.
[01:36:04.560 --> 01:36:09.560]  So everything we do now is about let's make a deal.
[01:36:09.560 --> 01:36:21.560]  The first thing I ask someone who's a potential client, what do you want?
[01:36:21.560 --> 01:36:26.560]  At the end of the day, for you, what would be a win?
[01:36:26.560 --> 01:36:29.560]  And don't tell me you want the property free.
[01:36:29.560 --> 01:36:33.560]  I don't think anybody really wants a handout.
[01:36:33.560 --> 01:36:34.560]  What do you want in the end?
[01:36:34.560 --> 01:36:36.560]  What would be an equitable outcome for you?
[01:36:36.560 --> 01:36:38.560]  Write it down.
[01:36:38.560 --> 01:36:42.560]  Put it on a piece of paper so you can pick that piece of paper up and look at it.
[01:36:42.560 --> 01:36:52.560]  Because what happens to us is you get in the fight and you craft these really well-researched motions and pleadings,
[01:36:52.560 --> 01:36:53.560]  and the courts rule against you.
[01:36:53.560 --> 01:36:56.560]  You feel betrayed.
[01:36:56.560 --> 01:37:00.560]  You feel mistreated, angry, frustrated.
[01:37:00.560 --> 01:37:07.560]  And if you're not real careful, you'll lose your sight of the prize.
[01:37:07.560 --> 01:37:13.560]  It becomes about the fight instead of about the outcome.
[01:37:13.560 --> 01:37:15.560]  That's when you start losing.
[01:37:15.560 --> 01:37:19.560]  So decide what would be a good outcome for you.
[01:37:19.560 --> 01:37:25.560]  And then let's see what we can do to get that outcome.
[01:37:25.560 --> 01:37:30.560]  And always...
[01:37:30.560 --> 01:37:32.560]  Go ahead.
[01:37:32.560 --> 01:37:37.560]  My answer to that, my outcome, is to get a fair jury trial.
[01:37:37.560 --> 01:37:41.560]  That's kind of where I was going with my writ, is the...
[01:37:41.560 --> 01:37:47.560]  I want to go under the federal rule to say, to summon in the grand jury,
[01:37:47.560 --> 01:37:51.560]  to let them put it back into the people, even though they're choosing the people,
[01:37:51.560 --> 01:37:55.560]  but still back into the people to determine a fair trial,
[01:37:55.560 --> 01:38:00.560]  because everybody has a constitutional right to, you know, due process of law.
[01:38:00.560 --> 01:38:05.560]  You can't be deprived of your property without due process.
[01:38:05.560 --> 01:38:11.560]  The problem I've had is 99% of the ones we've filed never reach a jury.
[01:38:11.560 --> 01:38:13.560]  No, that's the problem.
[01:38:13.560 --> 01:38:20.560]  Yeah, 90% of the ones we filed, the courts dismiss out of hand.
[01:38:20.560 --> 01:38:25.560]  No matter what we file, they dismiss it out of hand.
[01:38:25.560 --> 01:38:33.560]  The banks, more than anything, want to avoid discovery.
[01:38:33.560 --> 01:38:38.560]  And, you know, with Iqbal Twombly,
[01:38:38.560 --> 01:38:44.560]  there is no direction as to the sufficiency of the filing.
[01:38:44.560 --> 01:38:49.560]  Right now, no matter what a pro se files in the federal court,
[01:38:49.560 --> 01:38:53.560]  for the most part, the federal court will dismiss it out of hand.
[01:38:53.560 --> 01:38:55.560]  They don't do it every time.
[01:38:55.560 --> 01:39:01.560]  But the vast majority, it makes no difference what you put in there.
[01:39:01.560 --> 01:39:04.560]  We've got 700 of them.
[01:39:04.560 --> 01:39:08.560]  We respond to what they say we need,
[01:39:08.560 --> 01:39:13.560]  and the next one, they say they need something totally different.
[01:39:13.560 --> 01:39:19.560]  It just became clear that courts are absolutely corrupt.
[01:39:19.560 --> 01:39:22.560]  We can't expect a fair trial.
[01:39:22.560 --> 01:39:26.560]  We can't expect to get to a fair jury.
[01:39:26.560 --> 01:39:31.560]  But what can we do to achieve solution in the meantime?
[01:39:31.560 --> 01:39:33.560]  One of the things...
[01:39:33.560 --> 01:39:35.560]  We just have to keep hacking at it.
[01:39:35.560 --> 01:39:38.560]  I'm hoping that, though, with the involvement that I'm doing,
[01:39:38.560 --> 01:39:40.560]  because I'm going out there and actually speaking,
[01:39:40.560 --> 01:39:44.560]  actually this weekend in front of the LA Times
[01:39:44.560 --> 01:39:49.560]  and in front of several different advocacy group agencies
[01:39:49.560 --> 01:39:53.560]  that they've got me lined up for to try to raise awareness to the general public,
[01:39:53.560 --> 01:39:57.560]  because it does still come down to the opinion of the public.
[01:39:57.560 --> 01:40:03.560]  And if there's enough notice or spotlight on to where these little cockroaches
[01:40:03.560 --> 01:40:08.560]  are running behind the scenes to do to make these judges dirty,
[01:40:08.560 --> 01:40:14.560]  then I'm hoping that, especially since our beloved Kamina Harris
[01:40:14.560 --> 01:40:19.560]  is trying to go after Barbara Boxer, because it's very political,
[01:40:19.560 --> 01:40:22.560]  that this might be a nice little career move for her
[01:40:22.560 --> 01:40:25.560]  and a feather in her top, perfect big time.
[01:40:25.560 --> 01:40:29.560]  So, you know, there's...
[01:40:29.560 --> 01:40:31.560]  You just can't give up.
[01:40:31.560 --> 01:40:34.560]  I mean, I'm not ever going to give up, no matter how far they push me,
[01:40:34.560 --> 01:40:36.560]  and I've been fighting this thing for seven years,
[01:40:36.560 --> 01:40:41.560]  and they've been throwing me under the glass for trying to all that time.
[01:40:41.560 --> 01:40:45.560]  No? There's no good answer to this.
[01:40:45.560 --> 01:40:51.560]  The only good answer to it is to go on faith.
[01:40:51.560 --> 01:40:57.560]  What we've tried to do is help people find a solution they can live with
[01:40:57.560 --> 01:41:04.560]  and then press the banks into a position to where they can make a deal
[01:41:04.560 --> 01:41:07.560]  and everybody go away.
[01:41:07.560 --> 01:41:12.560]  So far, trying to beat the banks in court has been a losing proposition.
[01:41:12.560 --> 01:41:16.560]  Now, I still fight them, and I can fight them all I want to,
[01:41:16.560 --> 01:41:20.560]  because my property is paid for. I don't have any mortgages.
[01:41:20.560 --> 01:41:22.560]  I don't have any problems with them.
[01:41:22.560 --> 01:41:26.560]  I don't have my home to lose.
[01:41:26.560 --> 01:41:31.560]  But when we have someone here who has the biggest investment they've ever made
[01:41:31.560 --> 01:41:36.560]  and they have been in a position to lose everything,
[01:41:36.560 --> 01:41:41.560]  we want to give them a way to come out with something,
[01:41:41.560 --> 01:41:46.560]  rather than 900 cases of coming out with almost nothing.
[01:41:46.560 --> 01:41:47.560]  We had a few wins.
[01:41:47.560 --> 01:41:53.560]  I mean, every one of those wins, for the most part, was either the bank offered a deal
[01:41:53.560 --> 01:42:00.560]  or we sent them into bankruptcy in a Chapter 7 and claimed the property is unsecured.
[01:42:00.560 --> 01:42:04.560]  That's where we got most of our wins.
[01:42:04.560 --> 01:42:07.560]  Yeah, and that's where I'm headed to in my last legs here,
[01:42:07.560 --> 01:42:11.560]  to convert it over to a 7 unsecured.
[01:42:11.560 --> 01:42:13.560]  Say that again.
[01:42:13.560 --> 01:42:14.560]  That's what I'm moving forward.
[01:42:14.560 --> 01:42:17.560]  Right now, I can't do that until 2016.
[01:42:17.560 --> 01:42:21.560]  I have to wait, because I've already had it federal discharge,
[01:42:21.560 --> 01:42:23.560]  and I don't want to reopen the case.
[01:42:23.560 --> 01:42:27.560]  So I'm going in back under a 13 while it's in the Supreme Court,
[01:42:27.560 --> 01:42:31.560]  and when it gets to that point, I'll convert it to a 7.
[01:42:31.560 --> 01:42:35.560]  Well, actually, you can do it in a 13.
[01:42:35.560 --> 01:42:36.560]  It's easier in a 7.
[01:42:36.560 --> 01:42:39.560]  Just claim the property is unsecured.
[01:42:39.560 --> 01:42:44.560]  We had a woman in Fort Worth, and she took construction well.
[01:42:44.560 --> 01:42:47.560]  She claimed the property is unsecured,
[01:42:47.560 --> 01:42:50.560]  and the judge asked her, well, don't you have a loan against this property?
[01:42:50.560 --> 01:42:52.560]  She said, yes, I do.
[01:42:52.560 --> 01:42:54.560]  Well, they're here claiming the loan.
[01:42:54.560 --> 01:42:59.560]  She said, yeah, I know they are, but I don't know who these people are.
[01:42:59.560 --> 01:43:02.560]  And they had a prove-up hearing,
[01:43:02.560 --> 01:43:04.560]  because she claimed the property is unsecured.
[01:43:04.560 --> 01:43:08.560]  They put in a claim, and she asked for a prove-up hearing.
[01:43:08.560 --> 01:43:10.560]  So that's a prove-up hearing.
[01:43:10.560 --> 01:43:12.560]  And the lawyers were talking to the judge,
[01:43:12.560 --> 01:43:14.560]  and she finally stopped them and said,
[01:43:14.560 --> 01:43:17.560]  Your Honor, counsel has a large stack of papers there he's referring to.
[01:43:17.560 --> 01:43:19.560]  Can I look at those?
[01:43:19.560 --> 01:43:22.560]  And the judge told them, counsel, show them to her.
[01:43:22.560 --> 01:43:27.560]  And she looked at them, and they're photocopies of her closing documents.
[01:43:27.560 --> 01:43:30.560]  And she said, Your Honor, I don't know what these are.
[01:43:30.560 --> 01:43:32.560]  I've never seen these before.
[01:43:32.560 --> 01:43:35.560]  And the judge was taken aback.
[01:43:35.560 --> 01:43:37.560]  Hang on, we'll address this.
[01:43:37.560 --> 01:43:39.560]  We'll pick this up on the other side.
[01:43:39.560 --> 01:43:41.560]  This is Randy Kelton, Root of Law Radio.
[01:43:41.560 --> 01:43:46.560]  Our call-in number, 512-646-1984.
[01:43:46.560 --> 01:43:48.560]  Give us a call.
[01:43:48.560 --> 01:43:50.560]  We'll have the phone lines open all night.
[01:43:50.560 --> 01:44:00.560]  We'll be right back.
[01:44:00.560 --> 01:44:03.560]  You feel tired when talking about important topics like money and politics?
[01:44:03.560 --> 01:44:04.560]  Sorry.
[01:44:04.560 --> 01:44:07.560]  Are you confused by words like the Constitution or the Federal Reserve?
[01:44:07.560 --> 01:44:08.560]  What?
[01:44:08.560 --> 01:44:12.560]  If so, you may be diagnosed with the deadliest disease known today, stupidity.
[01:44:12.560 --> 01:44:16.560]  Hi, my name is Steve Holt, and like millions of other Americans,
[01:44:16.560 --> 01:44:19.560]  I was diagnosed with stupidity at an early age.
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[01:44:22.560 --> 01:44:25.560]  is found in almost every home in America, the television.
[01:44:25.560 --> 01:44:29.560]  Unfortunately, that puts most Americans at risk of catching stupidity.
[01:44:29.560 --> 01:44:30.560]  But there is hope.
[01:44:30.560 --> 01:44:32.560]  The staff at Brave New Books have helped me
[01:44:32.560 --> 01:44:36.560]  and thousands of other foxaholics suffering from sports-zombieism recover.
[01:44:36.560 --> 01:44:39.560]  And because of Brave New Books, I now enjoy reading
[01:44:39.560 --> 01:44:43.560]  and watching educational documentaries without feeling tired or uninterested.
[01:44:43.560 --> 01:44:46.560]  So if you or anybody you know suffers from stupidity,
[01:44:46.560 --> 01:44:50.560]  you need to call 512-480-2503
[01:44:50.560 --> 01:44:54.560]  or visit them at 1904Guadalupe or bravenewbookstore.com.
[01:44:54.560 --> 01:44:56.560]  Side effects from using Brave New Books products may include
[01:44:56.560 --> 01:45:00.560]  discernment in enlarged vocabulary and an overall increase in mental functioning.
[01:45:00.560 --> 01:45:03.560]  Are you the plaintiff or defendant in a lawsuit?
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[01:46:01.560 --> 01:46:13.560]  Well, you know karma's lurking around the corner. You better watch your fingers,
[01:46:13.560 --> 01:46:18.560]  step by step, or you're just putting the problem to you.
[01:46:18.560 --> 01:46:26.560]  Yeah, little Jerry, it's in reality.
[01:46:26.560 --> 01:46:32.560]  How can karma's lurking around the corner?
[01:46:32.560 --> 01:46:35.560]  Hey, we are back. Randy Kelton, rule of law radio,
[01:46:35.560 --> 01:46:41.560]  and we're talking to Faith in California, and we're talking about a Chapter 7.
[01:46:41.560 --> 01:46:43.560]  That's where we have most of our wins.
[01:46:43.560 --> 01:46:47.560]  So this woman looks at the documents, and she says,
[01:46:47.560 --> 01:46:50.560]  Your Honor, I don't know what these are. I've never seen these.
[01:46:50.560 --> 01:46:53.560]  And the judge says, well, aren't those your closing documents?
[01:46:53.560 --> 01:46:57.560]  Your Honor, they are not. I have never seen these documents before.
[01:46:57.560 --> 01:47:06.560]  And she hadn't. These were supposedly accurate photocopy representations
[01:47:06.560 --> 01:47:10.560]  of her original documents, but she had never seen these before.
[01:47:10.560 --> 01:47:15.560]  She said the judge ground on her for 10 minutes, but she stood her ground.
[01:47:15.560 --> 01:47:19.560]  And finally the judge smiled and sat back, and he looked over at the lawyers
[01:47:19.560 --> 01:47:24.560]  and said, well, counselors, it seems she's never seen these before.
[01:47:24.560 --> 01:47:29.560]  You're going to have to come into my court with the original documents.
[01:47:29.560 --> 01:47:35.560]  He set a hearing 60 days out. They didn't show. He discharged the debt.
[01:47:35.560 --> 01:47:39.560]  This is the way we've gotten most of our direct wins.
[01:47:39.560 --> 01:47:43.560]  But then they come back and try to foreclose on the deed of trust,
[01:47:43.560 --> 01:47:51.560]  even though bankruptcy law absolutely forbids it.
[01:47:51.560 --> 01:47:52.560]  Right.
[01:47:52.560 --> 01:47:58.560]  They do it anyway, and the judge is supportive.
[01:47:58.560 --> 01:48:06.560]  So mostly what we've been doing is we set the bank up so we can go to them
[01:48:06.560 --> 01:48:10.560]  and say, let's make a deal.
[01:48:10.560 --> 01:48:16.560]  You say I owe you $160,000 payoff.
[01:48:16.560 --> 01:48:19.560]  I'll give you $80,000.
[01:48:19.560 --> 01:48:26.560]  We sell the property, take all the marks off my credit to rehabilitate my credit.
[01:48:26.560 --> 01:48:29.560]  And we'll close this out. I'll extinguish the note,
[01:48:29.560 --> 01:48:39.560]  and I'll give you a release of claim for all potential claims against the lender
[01:48:39.560 --> 01:48:44.560]  from the date of the warranty, from the date of the deed of trust to this date.
[01:48:44.560 --> 01:48:49.560]  And get the lender something he can live with.
[01:48:49.560 --> 01:48:58.560]  If he could cut his mortgage in half and move it from an 8%, 9% loan to a 2.5% loan,
[01:48:58.560 --> 01:49:01.560]  we'd get a win.
[01:49:01.560 --> 01:49:05.560]  We haven't gotten wins trying to fight it through the courts.
[01:49:05.560 --> 01:49:12.560]  Taking a different approach on the courts, and I haven't researched grand juries.
[01:49:12.560 --> 01:49:14.560]  You've mentioned those a couple of times.
[01:49:14.560 --> 01:49:20.560]  When I was in California, I looked at California's grand jury system,
[01:49:20.560 --> 01:49:27.560]  and you have what appears to be the best grand jury system in the country
[01:49:27.560 --> 01:49:31.560]  because your grand jury can investigate into anything it wants to,
[01:49:31.560 --> 01:49:34.560]  not just criminal behavior.
[01:49:34.560 --> 01:49:41.560]  Texas grand juries are limited to potential crimes subject to indictment,
[01:49:41.560 --> 01:49:44.560]  but your grand jury is not.
[01:49:44.560 --> 01:49:47.560]  It can look into all sorts of things.
[01:49:47.560 --> 01:49:51.560]  What have you been doing with the grand jury?
[01:49:51.560 --> 01:49:54.560]  Well, right now, I just have their attention,
[01:49:54.560 --> 01:49:56.560]  and I've given them preliminary information.
[01:49:56.560 --> 01:49:59.560]  The same information I've turned over to the FBI,
[01:49:59.560 --> 01:50:01.560]  not that they're doing much with it,
[01:50:01.560 --> 01:50:06.560]  but they're going through and sorting through it as much as they can right now.
[01:50:06.560 --> 01:50:10.560]  I've also mentioned the grand jury for the Supreme Court
[01:50:10.560 --> 01:50:15.560]  to directly invoke them under the federal rule of 6A
[01:50:15.560 --> 01:50:23.560]  for investigation of Title 18-333-3332 and color title,
[01:50:23.560 --> 01:50:28.560]  because I do have enough probable cause and enough documentation
[01:50:28.560 --> 01:50:33.560]  that would actually enable them to bring this forth.
[01:50:33.560 --> 01:50:36.560]  Believe me, that took a lot of personal man hours
[01:50:36.560 --> 01:50:39.560]  just to put all that information together.
[01:50:39.560 --> 01:50:42.560]  I believe that if we do it right, or the way that I wrote it,
[01:50:42.560 --> 01:50:45.560]  at least I'm hoping, because I'm not an attorney,
[01:50:45.560 --> 01:50:55.560]  but I have university professors a lot beating on me on a daily basis as a student.
[01:50:55.560 --> 01:50:58.560]  I'm familiar with that.
[01:50:58.560 --> 01:51:02.560]  Yes, to get it right.
[01:51:02.560 --> 01:51:08.560]  I believe that I have presented it in such a way that it is correct
[01:51:08.560 --> 01:51:12.560]  that would enable them to invoke the grand jury.
[01:51:12.560 --> 01:51:18.560]  If I can do that, then it's a way for it to be put back into the people,
[01:51:18.560 --> 01:51:21.560]  a limited way, but at least it is a way
[01:51:21.560 --> 01:51:24.560]  that people might be able to get a fair and decent trial.
[01:51:24.560 --> 01:51:29.560]  I'm actually at that same approach as you are in some respects,
[01:51:29.560 --> 01:51:34.560]  that legitimately a person has to decide what they really, really want.
[01:51:34.560 --> 01:51:38.560]  If what they want is just to be structure and have the home
[01:51:38.560 --> 01:51:41.560]  and live in it and enjoy it, okay, great.
[01:51:41.560 --> 01:51:43.560]  That's easily accomplished.
[01:51:43.560 --> 01:51:49.560]  If what they want is essentially, how is this described on me
[01:51:49.560 --> 01:51:53.560]  when you go into court, a short sale on steroids
[01:51:53.560 --> 01:51:58.560]  essentially is what you're describing.
[01:51:58.560 --> 01:52:04.560]  What we do is we like to take short sales and convert them into a settlement.
[01:52:04.560 --> 01:52:05.560]  Right.
[01:52:05.560 --> 01:52:10.560]  That way there's no short sale against your record
[01:52:10.560 --> 01:52:13.560]  and there's no deficiency judgments.
[01:52:13.560 --> 01:52:14.560]  Exactly.
[01:52:14.560 --> 01:52:21.560]  When you ask a bank to take all the marks off their credit as a negotiating tool,
[01:52:21.560 --> 01:52:24.560]  sure, no problem, they don't cost them anything.
[01:52:24.560 --> 01:52:26.560]  Easy to get done.
[01:52:26.560 --> 01:52:28.560]  Right.
[01:52:28.560 --> 01:52:32.560]  This is the hard way to do it and it's a harder challenge to do.
[01:52:32.560 --> 01:52:37.560]  I am sacrificing and I'm putting myself out there and my home out there
[01:52:37.560 --> 01:52:42.560]  to try to help change a lot of these laws in the Supreme Court.
[01:52:42.560 --> 01:52:46.560]  I'm hoping that I might be the one that just pushes it over the edge enough
[01:52:46.560 --> 01:52:48.560]  just because of who I am.
[01:52:48.560 --> 01:52:52.560]  I'm not saying that because I'm no one really of any special qualities
[01:52:52.560 --> 01:52:56.560]  or qualifications other than I was thrown into circumstances
[01:52:56.560 --> 01:53:00.560]  that were beyond my control and did the best with the cards I was down.
[01:53:00.560 --> 01:53:02.560]  You know?
[01:53:02.560 --> 01:53:10.560]  With your background and inside knowledge, have you looked at a quitem action?
[01:53:10.560 --> 01:53:14.560]  I actually have written a quitem.
[01:53:14.560 --> 01:53:17.560]  It's very, very rough, but I did write it.
[01:53:17.560 --> 01:53:23.560]  It needs to be reworked back down into something that's not a,
[01:53:23.560 --> 01:53:28.560]  and I get beat up on this all the time, is not a written complaint
[01:53:28.560 --> 01:53:34.560]  as opposed to a complaint, mindless speaking complaint.
[01:53:34.560 --> 01:53:38.560]  I would like to speak to you off the air.
[01:53:38.560 --> 01:53:39.560]  Okay.
[01:53:39.560 --> 01:53:43.560]  There is a technology that I'm working on.
[01:53:43.560 --> 01:53:49.560]  The people who listen all the time have heard me talk about an electronic lawyer.
[01:53:49.560 --> 01:53:59.560]  I have developed a technology to where I can extract your entire expertise on a subject
[01:53:59.560 --> 01:54:03.560]  and then play it back to a non-professional
[01:54:03.560 --> 01:54:10.560]  in the form of an online dynamic interactive questionnaire.
[01:54:10.560 --> 01:54:14.560]  It's a little too complex to explain on the air,
[01:54:14.560 --> 01:54:23.560]  but it is a way of taking what we know and cataloging it
[01:54:23.560 --> 01:54:28.560]  so that, you know, I do this show and I had people calling in
[01:54:28.560 --> 01:54:30.560]  and they had these great things we could do,
[01:54:30.560 --> 01:54:33.560]  and then in the next show somebody called in with something else
[01:54:33.560 --> 01:54:37.560]  and in something else, and I forget, there's too many of them.
[01:54:37.560 --> 01:54:41.560]  One day somebody called in and asked me if I knew what a Frank's hearing was,
[01:54:41.560 --> 01:54:45.560]  and I said, yeah, I've heard of it, but I don't remember what it is.
[01:54:45.560 --> 01:54:50.560]  So after the show I looked it up and I thought, holy mackerel,
[01:54:50.560 --> 01:54:54.560]  how could I ever have forgotten that?
[01:54:54.560 --> 01:54:59.560]  A Frank's hearing is a hearing for the purpose of determining the veracity of a police officer
[01:54:59.560 --> 01:55:04.560]  who testified before a magistrate to secure a warrant.
[01:55:04.560 --> 01:55:12.560]  You get to a subpoena, a judge, and you start subpoenaing judges, they all get crazy.
[01:55:12.560 --> 01:55:14.560]  So I looked at this.
[01:55:14.560 --> 01:55:22.560]  How do I put something together to where you will find this information when you need it?
[01:55:22.560 --> 01:55:27.560]  And I put it together in a questionnaire and kind of as an example,
[01:55:27.560 --> 01:55:31.560]  if somebody's been arrested, I say, were you arrested on an existing warrant?
[01:55:31.560 --> 01:55:34.560]  They say yes.
[01:55:34.560 --> 01:55:40.560]  Do you have reason to believe that the officer who testified before the magistrate
[01:55:40.560 --> 01:55:44.560]  to secure the warrant misrepresented the truth to the magistrate?
[01:55:44.560 --> 01:55:49.560]  If they say yes, that triggers a Frank's hearing every single time.
[01:55:49.560 --> 01:55:53.560]  So I have the client go through this questionnaire,
[01:55:53.560 --> 01:56:04.560]  and I walk down the elements of code and once I have the elements of code in place,
[01:56:04.560 --> 01:56:13.560]  then I go back and weave in case law and decisions and determinations based on specifics.
[01:56:13.560 --> 01:56:19.560]  It does get real complex if you look at the whole thing all at once.
[01:56:19.560 --> 01:56:27.560]  But a professional can do that, someone who has knowledge of the systems they can follow.
[01:56:27.560 --> 01:56:29.560]  I build it in a map type format.
[01:56:29.560 --> 01:56:37.560]  They can follow these lines through the data pretty easy because they understand the elements.
[01:56:37.560 --> 01:56:46.560]  But what we do is we get this down in a fixed method where an issue that should be addressed,
[01:56:46.560 --> 01:56:50.560]  everywhere it should be addressed, the system points right to it.
[01:56:50.560 --> 01:56:56.560]  So I'd like to kind of demonstrate that to you and see if we can take the knowledge that you have
[01:56:56.560 --> 01:57:01.560]  and we can put it together in the form of a questionnaire.
[01:57:01.560 --> 01:57:07.560]  So somebody can go on your website and just run through a set of questions
[01:57:07.560 --> 01:57:17.560]  and extract from the plethora of possibilities those points and issues that are relevant to that individual.
[01:57:17.560 --> 01:57:23.560]  We've been doing this show a long time and we try to get people enough information
[01:57:23.560 --> 01:57:26.560]  so they kind of understand what's going on.
[01:57:26.560 --> 01:57:33.560]  But law is really complex and there is a large amount to know.
[01:57:33.560 --> 01:57:40.560]  This tool is designed to mine someone through the codes
[01:57:40.560 --> 01:57:48.560]  so that they answer based on their particular situation and it extracts from the code
[01:57:48.560 --> 01:57:56.560]  those portions of the code that apply to their situation and they don't have to know the entire law library.
[01:57:56.560 --> 01:57:58.560]  Does that make sense?
[01:57:58.560 --> 01:58:04.560]  Oh yes, that makes sense. God, I wish I had something like that when I was starting out on this crazy venture.
[01:58:04.560 --> 01:58:08.560]  If you get some time, go to legalearth.net.
[01:58:08.560 --> 01:58:14.560]  I have some examples of the technology up on that site.
[01:58:14.560 --> 01:58:22.560]  It's a little clunky. I had some guy in Russia hack my server, screwed up part of it.
[01:58:22.560 --> 01:58:26.560]  And then I had a guy in China hack my server.
[01:58:26.560 --> 01:58:33.560]  I wanted to blame it on the feds, but I couldn't. It's a jerk in China.
[01:58:33.560 --> 01:58:37.560]  Anyway, hang on. Radio Kelton, we will have a radio.
[01:58:37.560 --> 01:58:44.560]  I'll call you number 512-646-1984. We'll be right back.
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[01:59:47.560 --> 01:59:50.560]  That's freestudybible.com.
[01:59:50.560 --> 01:59:56.560]  You are listening to the Logos Radio Network, logosradionetwork.com.