[00:00.000 --> 00:05.840]  The following news flash is brought to you by The Lone Star Lowdown, providing the daily
[00:05.840 --> 00:13.440]  bulletins for the commodities market, today in history, news updates, and the inside scoop
[00:13.440 --> 00:21.240]  into the tides of the alternative.
[00:21.240 --> 00:29.080]  Markets for Wazeva 6th of February 2019 open with gold at $1,313.70 an ounce, silver $15.77
[00:29.080 --> 00:36.720]  an ounce, copper $2.83 an ounce, oil Texas crude $3.66 a barrel, Brent crude $61.98 a
[00:36.720 --> 00:45.560]  barrel, and cryptos in order of market capitalization, Bitcoin $3,401.64, Ripple XRP $0.29, Ethereum
[00:45.560 --> 00:51.440]  $10.10 and Eos is at $2.32 a crypto coin.
[00:51.440 --> 00:59.600]  Today in History, the year 1918, British women over the age of 30 who meet minimum property
[00:59.600 --> 01:04.560]  qualifications get the right to vote when the representation of the People Act of 1918
[01:04.560 --> 01:05.920]  was passed by Parliament.
[01:05.920 --> 01:13.600]  Today in History, in recent news, several Texas-based organizations filed a lawsuit today requesting
[01:13.600 --> 01:18.440]  that a federal court stop the state from flagging about 95,000 people as potentially illegally
[01:18.440 --> 01:19.800]  registered to vote.
[01:19.800 --> 01:24.600]  The list was compiled after an 11-month-long investigation by the Office of the Texas Secretary
[01:24.600 --> 01:30.040]  of State and the Texas Department of Public Safety which sought to identify non-U.S. citizens
[01:30.040 --> 01:33.320]  who were registered to vote when obtaining age-arvest license.
[01:33.320 --> 01:37.040]  Over half of the 95,000 did indeed vote, it seems.
[01:37.040 --> 01:41.040]  However, further controversy was raised when it became clear that some of the names were
[01:41.040 --> 01:45.320]  not in fact belonging to those who were non-citizens and registered.
[01:45.320 --> 01:49.720]  Apparently around 25% of all Latino immigrants become naturalized, gaining the right to
[01:49.720 --> 01:50.720]  vote.
[01:50.720 --> 01:55.200]  Registered voters who receive letters querying their citizenship have 30 days to respond
[01:55.200 --> 01:57.000]  with proof of eligibility.
[01:57.000 --> 02:01.200]  Texas Attorney General Ken Paxton and David Whitley, the Texas Secretary of State, have
[02:01.200 --> 02:08.960]  yet to officially comment regarding this list and any updates pertaining to it.
[02:08.960 --> 02:14.360]  A Texas man of only 24 years old, William Brown, died from a severed artery in his neck after
[02:14.360 --> 02:16.880]  a vape pen exploded while he was using it.
[02:16.880 --> 02:20.640]  It apparently happened in the parking lot of the vape shop where he got it.
[02:20.640 --> 02:24.200]  An X-ray revealed that a piece of metal was embedded in his brainstem.
[02:24.200 --> 02:30.400]  The vape store, Smoke and Vape DZ, has refused to comment.
[02:30.400 --> 02:35.160]  First edition anchorwoman, Kristin Diaz, interviewed Aislin Campbell, the executive director of
[02:35.160 --> 02:40.120]  Grow Local, South Texas, concerning the upcoming Texas Organic Farmers and Gardeners Association
[02:40.120 --> 02:45.120]  conference which will be taking place at the Corpus Christi Omni Hotel from February 14th
[02:45.120 --> 02:47.440]  to 16th, 6 to 9 p.m.
[02:47.440 --> 02:55.360]  You can find the interview at kiitv.com This was Rick Rodeo with your lowdown for February
[02:55.360 --> 02:57.360]  6th, 2019.
[02:57.360 --> 03:27.320]  Okay, howdy, howdy, we're Andy Kelton, rule of law, radio on
[03:27.320 --> 03:38.560]  this Friday, the first day of March 2019, and I'll start out with a, oh, let me make
[03:38.560 --> 03:47.760]  sure the phones are turned on, phones are turned on, our call in number 512-646-1984.
[03:47.760 --> 03:53.040]  If you have a question or comment, give us a call, we'll have the phone lines open all
[03:53.040 --> 04:05.120]  night, and start out with a little update on the traffic on the lawyer tool, I am being
[04:05.120 --> 04:12.720]  very close to being able to launch the SEC part of this program, and we have a plan to
[04:12.720 --> 04:22.840]  launch this with the, in the ICO, and that's the initial coin offering, or security token
[04:22.840 --> 04:35.120]  offering space, because there's a lot of misunderstanding and misapprehension about the nature of securities
[04:35.120 --> 04:40.960]  and exchange compliance, especially when it comes to ICOs.
[04:40.960 --> 04:49.760]  The U.S. securities market is really clamping down on those, and we're developing a tool,
[04:49.760 --> 04:59.720]  the questionnaire will allow the developer to demonstrate if not complete compliance,
[04:59.720 --> 05:08.040]  because after reading the code and working through it, that is next to impossible, because
[05:08.040 --> 05:14.560]  the codes are so vague in general, the SEC can interpret them any way they want to, so
[05:14.560 --> 05:20.440]  the only way we can find to deal with that is to show due diligence.
[05:20.440 --> 05:27.480]  All of these vague and general codes that they have written, we will produce an output
[05:27.480 --> 05:35.760]  report that addresses each code, and addresses what the issuer has done to ensure compliance
[05:35.760 --> 05:38.280]  with the code.
[05:38.280 --> 05:48.440]  And the SEC has stated repeatedly that their issue is not so much complete compliance as
[05:48.440 --> 05:53.960]  it is with due diligence in an effort to be in complete compliance, because I think the
[05:53.960 --> 06:01.400]  regulators know that because the way the code is written is virtually impossible to demonstrate
[06:01.400 --> 06:03.400]  complete compliance.
[06:03.400 --> 06:15.840]  An example is the due diligence you have to do to determine that an accredited investor
[06:15.840 --> 06:18.640]  is actually an accredited investor.
[06:18.640 --> 06:26.360]  Well, there are companies out there that do that, but even those companies, the SEC lists
[06:26.360 --> 06:34.240]  a number of different things you can ask for, income tax return, a K-10 report, there's
[06:34.240 --> 06:41.200]  a whole bunch of stuff that you can request from the investor to determine if they're
[06:41.200 --> 06:42.200]  an accredited investor.
[06:42.200 --> 06:46.400]  But after they list all this stuff, they say, well, it doesn't matter if you use all that.
[06:46.400 --> 06:51.200]  We may accept your due diligence, and we may not.
[06:51.200 --> 06:57.280]  Everything's left up to the caprice of the SEC.
[06:57.280 --> 07:07.200]  So people, especially developers who tend to be coders or engineers, we don't do vague
[07:07.200 --> 07:08.760]  generalities very well.
[07:08.760 --> 07:14.440]  We need a tech manual, and we expect the code to be a tech manual.
[07:14.440 --> 07:15.440]  A tech manual.
[07:15.440 --> 07:20.120]  But when a tech manual says, well, you can do this or that or the other, it might work
[07:20.120 --> 07:22.160]  and it might not.
[07:22.160 --> 07:26.440]  For us, that's not a tech manual.
[07:26.440 --> 07:30.880]  We need something specific, and we don't have it with the SEC.
[07:30.880 --> 07:43.280]  So we've developed this tool to overcome or to try to short circuit any caprice, any arbitrary
[07:43.280 --> 07:47.200]  ideas the regulator may have.
[07:47.200 --> 07:53.800]  Because if we've already shown due diligence and addressed every specific issue, it will
[07:53.800 --> 08:00.160]  be hard for them to then come in and say, well, yeah, you did all of this, but I don't
[08:00.160 --> 08:02.440]  think it's enough.
[08:02.440 --> 08:11.000]  Then they'll have to show how the issuer had noticed that this was not enough.
[08:11.000 --> 08:17.000]  Because they want to charge you criminally in all crimes or thought crimes.
[08:17.000 --> 08:24.360]  If we have demonstrated an attempt to abide, but you decide arbitrarily that it's not sufficient,
[08:24.360 --> 08:32.240]  then the law becomes unconstitutionally vague, and it puts a pressure on the SEC.
[08:32.240 --> 08:44.960]  And the SEC regulators, before they initiate what they call an MUI, matter under investigation,
[08:44.960 --> 08:52.000]  they have to do a cost analysis to determine if going after this issue will generate enough
[08:52.000 --> 08:54.240]  funds to cover the cost.
[08:54.240 --> 09:04.400]  If it doesn't, then they are encouraged to spend their time on issues that will generate
[09:04.400 --> 09:07.040]  more revenue.
[09:07.040 --> 09:13.400]  And it appears as though the Code of Federal Regulations has been written to give them
[09:13.400 --> 09:21.960]  caprice so they can decide what is in compliance or not this way they're able to raise more
[09:21.960 --> 09:22.960]  revenue.
[09:22.960 --> 09:33.800]  I've pulled down all of the decisions of the magistrates for the SEC for the past five years.
[09:33.800 --> 09:41.680]  Not one time has a magistrate for the SEC ruled against the SEC.
[09:41.680 --> 09:50.080]  So whatever that regulator says, the magistrates are going to accept it out of hand and rule
[09:50.080 --> 09:52.840]  against you.
[09:52.840 --> 09:56.160]  So we need a way to combat that.
[09:56.160 --> 10:04.400]  So the way we're looking at is when the SEC comes back and says, well, even though you
[10:04.400 --> 10:10.160]  appear to have addressed all of these issues, we don't think you did enough, so we're going
[10:10.160 --> 10:20.280]  to shut you down, then we immediately file a, we'll develop the system so that it produces
[10:20.280 --> 10:24.840]  a declaratory judgment suit for the federal court with a restraining order against the
[10:24.840 --> 10:25.840]  SEC.
[10:25.840 --> 10:32.320]  So we jerk them out of their own SEC magistrate court and take them straight to the federal
[10:32.320 --> 10:39.160]  district court and ask them to explain to them, well, whether they can explain it effectively
[10:39.160 --> 10:40.840]  or not, it's going to cost them.
[10:40.840 --> 10:49.560]  They're going to have to get a lawyer in to respond and the cost calculation goes up
[10:49.560 --> 10:54.520]  at the end of the day, it's all about the money.
[10:54.520 --> 11:00.400]  So we're not going to beat the SEC by arguing the code because they've written their code
[11:00.400 --> 11:02.200]  capricious and arbitrary.
[11:02.200 --> 11:06.640]  We'll beat the SEC by costing them too much money.
[11:06.640 --> 11:11.760]  Anyway, that's our strategy and we're getting close to the point we can launch it.
[11:11.760 --> 11:19.360]  But at the end of the day, I really don't think the SEC will have a problem with this
[11:19.360 --> 11:25.800]  in reading their enforcement, you know, the SEC has been hammered pretty good lately.
[11:25.800 --> 11:32.480]  They've got a Supreme Court ruling against them over the hiring practices of the magistrates
[11:32.480 --> 11:43.440]  which will, which has struck down a long standing practice since the time of the new deal that
[11:43.440 --> 11:50.960]  where agencies could hire their own people to rule on their own issues.
[11:50.960 --> 11:54.840]  The Supreme Court said, you can't hire magistrates.
[11:54.840 --> 11:57.520]  They must be appointed by the president.
[11:57.520 --> 12:03.960]  Now I intend to bring that into the federal court and where we have a federal magistrate
[12:03.960 --> 12:10.480]  that hasn't been appointed by the president, then we move to strike the federal magistrate
[12:10.480 --> 12:16.520]  and the federal courts are not going to be happy with the SEC for getting that ruling
[12:16.520 --> 12:18.280]  pushed on them.
[12:18.280 --> 12:24.080]  So but at the end of the day, I think the SEC for the most part doesn't want to have
[12:24.080 --> 12:30.880]  to deal with a lot of these minor issues.
[12:30.880 --> 12:37.680]  And if we can give them some plausible deniability, then they can go on to the really egregious
[12:37.680 --> 12:44.280]  violations and quit harassing the LCO market, at least that's our strategy.
[12:44.280 --> 12:51.400]  Okay, we do have one caller before I bore everybody to tears.
[12:51.400 --> 12:53.680]  I'm going to go to Olivia in North Carolina.
[12:53.680 --> 12:54.680]  Hello, Olivia.
[12:54.680 --> 12:55.680]  Hey, Randy.
[12:55.680 --> 12:56.680]  How are you?
[12:56.680 --> 12:57.680]  I have a swap for background noise.
[12:57.680 --> 12:58.680]  I don't think you can hear.
[12:58.680 --> 13:03.160]  If you can, I can maybe call you back later.
[13:03.160 --> 13:06.680]  I can hear, but you're talking faster than I can listen.
[13:06.680 --> 13:07.680]  Okay, good.
[13:07.680 --> 13:08.680]  I will slow down.
[13:08.680 --> 13:09.680]  That's one of my problems.
[13:09.680 --> 13:14.680]  We had a hockey game and there's background noise, but you're going to hear me well.
[13:14.680 --> 13:17.680]  If I can, you know, I will have to stay on.
[13:17.680 --> 13:18.680]  No, I can't.
[13:18.680 --> 13:19.680]  I'm sorry.
[13:19.680 --> 13:20.680]  I can't make you out.
[13:20.680 --> 13:21.680]  You're having a problem.
[13:21.680 --> 13:22.680]  You seem to be fading in and out.
[13:22.680 --> 13:23.680]  I'm having trouble understanding you.
[13:23.680 --> 13:24.680]  Okay.
[13:24.680 --> 13:25.680]  How about now?
[13:25.680 --> 13:26.680]  Is this better?
[13:26.680 --> 13:27.680]  Oh, much better.
[13:27.680 --> 13:28.680]  Wow.
[13:28.680 --> 13:29.680]  Okay.
[13:29.680 --> 13:37.680]  My AirPods didn't work very well here.
[13:37.680 --> 13:38.680]  Okay.
[13:38.680 --> 13:39.680]  Good.
[13:39.680 --> 13:40.680]  I'll just hold it off.
[13:40.680 --> 13:41.680]  That's perfect.
[13:41.680 --> 13:42.680]  Awesome.
[13:42.680 --> 13:43.680]  Thank you, Randy, for taking my call.
[13:43.680 --> 13:44.680]  I appreciate it.
[13:44.680 --> 13:45.680]  Okay.
[13:45.680 --> 13:47.680]  What do you have for us today?
[13:47.680 --> 13:52.680]  So I'm going back about the deep restriction.
[13:52.680 --> 13:59.680]  The lawyer, the opposing party has filed a motion to compel on questions that are,
[13:59.680 --> 14:04.680]  two of them answers were in the public records.
[14:04.680 --> 14:11.680]  They're compelling on those questions on warranty duties, whether basically a piece
[14:11.680 --> 14:15.680]  of land was actually mentioned in the property in a warranty deed.
[14:15.680 --> 14:19.680]  And again, you know, if it's in a warranty itself, they could pull it themselves.
[14:19.680 --> 14:21.680]  I wouldn't have to answer it.
[14:21.680 --> 14:30.680]  And then the other four were questions that were, they were not relevant to the case.
[14:30.680 --> 14:33.680]  They were just basically fishing for other things.
[14:33.680 --> 14:45.680]  For instance, questions on, let's see, identify, you know, who else has been sent in the neighborhood
[14:45.680 --> 14:52.680]  or question on, you know, who are the real source or who are the, you know, how did you
[14:52.680 --> 14:55.680]  get analysis of diminished value?
[14:55.680 --> 15:00.680]  All of these answers are actually, these restrictions actually can't answer them in
[15:00.680 --> 15:06.680]  itself because they have language where, you know, they talk about the purpose of the
[15:06.680 --> 15:16.680]  restrictions to maintain value for salvage property and to prevent against, to get,
[15:16.680 --> 15:18.680]  prevent the devalue of property by not following those rules.
[15:18.680 --> 15:23.680]  So like, you know, chain link fence is being one of those prohibited items on that list.
[15:23.680 --> 15:30.680]  So my question to you is, I don't know, you know, her judge is going to compel, compel me
[15:30.680 --> 15:32.680]  to respond to these.
[15:32.680 --> 15:37.680]  If he does, I suppose one of the things on here is that he does.
[15:37.680 --> 15:38.680]  Okay.
[15:38.680 --> 15:40.680]  You have a motion for summary judgment before the court.
[15:40.680 --> 15:41.680]  Is that correct?
[15:41.680 --> 15:42.680]  Yes.
[15:42.680 --> 15:43.680]  On Thursday.
[15:43.680 --> 15:46.680]  So the hearing on the level Thursday, yes.
[15:46.680 --> 15:54.680]  Are there any issues before the court relative to the summary judgment motion that are in
[15:54.680 --> 15:55.680]  contention?
[15:55.680 --> 15:56.680]  I'm sorry.
[15:56.680 --> 15:57.680]  I said issues.
[15:57.680 --> 15:59.680]  I should have said facts.
[15:59.680 --> 16:00.680]  Material facts?
[16:00.680 --> 16:01.680]  No.
[16:01.680 --> 16:04.680]  These are just outside questions, you know.
[16:04.680 --> 16:05.680]  Right.
[16:05.680 --> 16:06.680]  No material facts.
[16:06.680 --> 16:17.680]  It's more like, okay, will the discovery, can the discovery be expected to uncover facts
[16:17.680 --> 16:21.680]  that would wind up being in contention?
[16:21.680 --> 16:22.680]  No.
[16:22.680 --> 16:24.680]  No, I don't think so.
[16:24.680 --> 16:26.680]  Then ignore the discovery.
[16:26.680 --> 16:28.680]  Just ignore it.
[16:28.680 --> 16:30.680]  This is how it works.
[16:30.680 --> 16:34.680]  The courts want you to do discovery outside the courts.
[16:34.680 --> 16:38.680]  So the opposing counsel sends you discovery.
[16:38.680 --> 16:40.680]  You respond to it.
[16:40.680 --> 16:47.680]  The opposing counsel, you may object to what they're asking for, but you do that to opposing
[16:47.680 --> 16:49.680]  counsel, not the court.
[16:49.680 --> 16:51.680]  You say, oh, this is garbage.
[16:51.680 --> 16:54.680]  You're asking for this stuff that makes no difference.
[16:54.680 --> 16:56.680]  It's irrelevant.
[16:56.680 --> 16:58.680]  Who else has complained?
[16:58.680 --> 17:00.680]  It's irrelevant.
[17:28.680 --> 17:31.680]  The court is the most comprehensive teaching tool available that will help you understand
[17:31.680 --> 17:34.680]  what due process is and how to hold courts to the rule of law.
[17:34.680 --> 17:38.680]  You can get your own copy of this invaluable material by going to ruleoflawradio.com and
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[17:39.680 --> 17:43.680]  By ordering now you'll receive a copy of Eddie's book, The Texas Transportation Code,
[17:43.680 --> 17:47.680]  The Law vs. the Lie, video and audio of the original 2009 seminar, hundreds of research
[17:47.680 --> 17:49.680]  documents, and other useful resource material.
[17:49.680 --> 17:53.680]  Learn how to fight for your rights with the help of this material from ruleoflawradio.com.
[17:53.680 --> 18:00.680]  Order your copy today, and together we can have the free society we all want and deserve.
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[18:49.680 --> 18:57.680]  That's ruleoflawradio.com or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com.
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[19:26.680 --> 19:36.680]  Okay, we are back. Randy Kelton, rule of law radio on this Friday, the first day of March, 2019,
[19:36.680 --> 19:40.680]  and we're talking to Libya and North Carolina.
[19:40.680 --> 19:49.680]  If the way the discovery works is you work this out between yourselves
[19:49.680 --> 19:57.680]  and if you can't come to some kind of mutual agreement, then you go to the court
[19:57.680 --> 20:00.680]  and ask the court to settle the discovery issues.
[20:00.680 --> 20:06.680]  So what happens when you file for discovery, the other side generally objects to everything out of hand,
[20:06.680 --> 20:09.680]  and it winds up back in the court anyway.
[20:09.680 --> 20:21.680]  But in this case, if the discovery that they have requested could not reasonably lead to issues
[20:21.680 --> 20:29.680]  that would go to an issue of fact, then it's a rule of just ignore it.
[20:29.680 --> 20:34.680]  Okay, in the email he did threaten me that he will postpone, ask to postpone
[20:34.680 --> 20:37.680]  or dismiss my emotions by my judgements.
[20:37.680 --> 20:47.680]  You'll file an objection to it because the discovery is irrelevant to some judgment motion.
[20:47.680 --> 20:49.680]  Okay.
[20:49.680 --> 21:00.680]  Nothing he's asking for would reasonably uncover facts that would then be in contention.
[21:00.680 --> 21:07.680]  He's asking about who else is complained. Is that correct? Did I get that right?
[21:07.680 --> 21:13.680]  Yes, who else has the right to defend today's duty today?
[21:13.680 --> 21:21.680]  And how much your property value is changed? Objection relevance.
[21:21.680 --> 21:28.680]  The covenants are not subject to whether or not the property values actually change.
[21:28.680 --> 21:33.680]  They're enforceable to make sure they don't change.
[21:33.680 --> 21:39.680]  So it won't affect the summer judgment.
[21:39.680 --> 21:45.680]  His fence is clearly in violation, period.
[21:45.680 --> 21:52.680]  If he hasn't alleged some fact that would bring it in compliance,
[21:52.680 --> 22:01.680]  then the only question before the court is that will the court enforce the dedistrictions
[22:01.680 --> 22:06.680]  or will it have some reason not to enforce dedistrictions?
[22:06.680 --> 22:13.680]  If the discovery doesn't go to that, then it's irrelevant.
[22:13.680 --> 22:16.680]  Okay, I wasn't sure, you know, if you get a judge that doesn't read it
[22:16.680 --> 22:19.680]  and just don't get compiles and signs of it.
[22:19.680 --> 22:23.680]  I think one of the things down here that will be charged of the fees
[22:23.680 --> 22:28.680]  for expending and compelling the discovery.
[22:28.680 --> 22:32.680]  So I hope, you know, they don't, but I guess that's just the worst case.
[22:32.680 --> 22:36.680]  I was wondering because, you know, they, I just wanted to add to this.
[22:36.680 --> 22:41.680]  I summon that my interrogatory answers five days before they would do.
[22:41.680 --> 22:44.680]  There came in one day after they would do that.
[22:44.680 --> 22:47.680]  I'm counting 30 days, three days from mail,
[22:47.680 --> 22:50.680]  and the city is being counted, you know, the day after the action takes place.
[22:50.680 --> 22:52.680]  So I'm doing it right, and they did it.
[22:52.680 --> 22:53.680]  They missed the deadline.
[22:53.680 --> 23:00.680]  And interestingly, on the verification where they sign and throw note,
[23:00.680 --> 23:04.680]  we have to when the discovery was, when the defendant, the judge signed for it,
[23:04.680 --> 23:06.680]  it was on February 14th.
[23:06.680 --> 23:08.680]  Yes, they didn't put it into mail.
[23:08.680 --> 23:14.680]  They didn't serve it into mail until February 26th.
[23:14.680 --> 23:17.680]  Okay, so if they were out of time for discovery,
[23:17.680 --> 23:21.680]  you can object to the discoveries out of time,
[23:21.680 --> 23:29.680]  but it's not, it's probably not a good idea to get into that argument.
[23:29.680 --> 23:32.680]  What the, it sounds like what the lawyer is trying to do
[23:32.680 --> 23:37.680]  is get you into a separate argument to deal with the issue.
[23:37.680 --> 23:41.680]  This sounds like a lawyer turning the case.
[23:41.680 --> 23:47.680]  He's doing something so he can show his client that he appears to be doing something
[23:47.680 --> 23:53.680]  so he can build a client for more cost.
[23:53.680 --> 23:58.680]  And it's, it's a red herring.
[23:58.680 --> 24:01.680]  You can go after this issue and win this issue,
[24:01.680 --> 24:05.680]  and it doesn't move you toward your intended outcome.
[24:05.680 --> 24:09.680]  It sounds like you're on the verge of winning your case,
[24:09.680 --> 24:13.680]  and don't let him distract you.
[24:13.680 --> 24:17.680]  So like I said, the law could be on my side and they still have to win.
[24:17.680 --> 24:20.680]  The politics is on my side, right?
[24:20.680 --> 24:22.680]  I'm hoping.
[24:22.680 --> 24:26.680]  Yeah, well here, you know, you're not dealing with a public official,
[24:26.680 --> 24:28.680]  you're just dealing with a chump lawyer,
[24:28.680 --> 24:34.680]  and it's not an issue of such severity that it's going,
[24:34.680 --> 24:38.680]  that the ruling will change standing law.
[24:38.680 --> 24:43.680]  It's not likely to get appealed because the appeal costs so much.
[24:43.680 --> 24:48.680]  This is one of those cases where the judge can settle the issue.
[24:48.680 --> 24:51.680]  And he probably doesn't want to mess with it anymore,
[24:51.680 --> 24:56.680]  and he'll, if you got a shot at summary judgment, good chance he'll give it to you.
[24:56.680 --> 25:03.680]  And the lawyer sounds like he's trying to distract you on other issues.
[25:03.680 --> 25:06.680]  Yeah, okay, so she just let it go then.
[25:06.680 --> 25:08.680]  I don't want to worry about it.
[25:08.680 --> 25:11.680]  I have a motion to strike for a prevalence,
[25:11.680 --> 25:16.680]  because their summary judgment had no whole or statute of plus.
[25:16.680 --> 25:19.680]  I did file that motion to strike.
[25:19.680 --> 25:23.680]  And then my question was, do I have to try to bring it out at the hearing at the very beginning,
[25:23.680 --> 25:27.680]  to strike their summary judgment because it does not?
[25:27.680 --> 25:29.680]  No, no, no, wait, no, no, no, no.
[25:29.680 --> 25:31.680]  Strike their summary judgment?
[25:31.680 --> 25:36.680]  Okay, have you both filed summary judgment motions?
[25:36.680 --> 25:37.680]  Yes, we did.
[25:37.680 --> 25:39.680]  I filed one and dated my opposition.
[25:39.680 --> 25:44.680]  Okay, discovery is irrelevant.
[25:44.680 --> 25:45.680]  Oh.
[25:45.680 --> 25:50.680]  For him to be asking for discovery, he's filed a summary judgment motion.
[25:50.680 --> 25:54.680]  He said there are no facts in contention.
[25:54.680 --> 25:57.680]  So there's nothing to discover.
[25:57.680 --> 26:00.680]  Oh, he's making a mistake.
[26:00.680 --> 26:02.680]  He's a young one.
[26:02.680 --> 26:08.680]  Yeah, he's admitted there are no facts in contention.
[26:08.680 --> 26:12.680]  And he wants to argue law, so his discovery is just harassment.
[26:12.680 --> 26:19.680]  You should ask for sanctions for filing this irrelevant discovery, just for harassment.
[26:19.680 --> 26:20.680]  Oh.
[26:20.680 --> 26:25.680]  So I should ask for sanctions just to harass them back?
[26:25.680 --> 26:27.680]  Wait, I couldn't understand that.
[26:27.680 --> 26:28.680]  Okay, I'm sorry.
[26:28.680 --> 26:32.680]  So you should just, I should file for sanctions just to harass them back?
[26:32.680 --> 26:39.680]  Yeah, accuse him, accuse this of being a frivolous filing,
[26:39.680 --> 26:44.680]  that his request for discovery is frivolous because there are no facts in contention.
[26:44.680 --> 27:02.680]  The discovery can create no relevant evidence that would have any effect on the two motions for summary judgment.
[27:02.680 --> 27:10.680]  I'm thinking the fact that he filed a summary judgment is essentially admission on his part
[27:10.680 --> 27:18.680]  that there's no need for discovery that all of the facts that need to be in the record are in the record.
[27:18.680 --> 27:20.680]  Yes, he gave a mistake.
[27:20.680 --> 27:23.680]  Exactly, exactly.
[27:23.680 --> 27:26.680]  And that's the judge to sting him for it.
[27:26.680 --> 27:28.680]  He's a lawyer, he knows better.
[27:28.680 --> 27:39.680]  And if he's turning the case and you file a response and ask for sanctions against the lawyer for filing a frivolous pleading,
[27:39.680 --> 27:46.680]  his client's not going to be happy when he gets bills to pay for that frivolous hearing.
[27:46.680 --> 27:49.680]  No, I mean frivolous filing.
[27:49.680 --> 27:53.680]  Filing, right, because he's got to tell the client everything he gets, right?
[27:53.680 --> 27:57.680]  He cannot hide it or shoot it from the client.
[27:57.680 --> 28:00.680]  Yeah, keep in mind everything's political.
[28:00.680 --> 28:04.680]  The lawyer is doing this little song and dance themselves down your path.
[28:04.680 --> 28:08.680]  He got a retainer from his client.
[28:08.680 --> 28:13.680]  And he needs to be able to use up that retainer because he's probably already spent.
[28:13.680 --> 28:16.680]  He definitely doesn't want to give any money back.
[28:16.680 --> 28:23.680]  So he's doing this stuff to turn the case so he can build that to his client.
[28:23.680 --> 28:35.680]  If you file a motion for claiming his frivolous since he filed a summary judgment motion and admitted that there are no more relevant facts,
[28:35.680 --> 28:43.680]  then his client's going to find that out and his client is not going to be a happy camper.
[28:43.680 --> 28:49.680]  This is kind of how we won in the picture case.
[28:49.680 --> 29:00.680]  We turned the client against the lawyers because the lawyer was screwing his own client by filing all these frivolous actions.
[29:00.680 --> 29:09.680]  And when the city saw what the lawyer was doing to him, they threw the lawyers under the bus.
[29:09.680 --> 29:13.680]  Politics. The end of the day saw politics.
[29:13.680 --> 29:21.680]  And it doesn't matter if the lawyer is really trying to throw them under the bus or not because perception is everything.
[29:21.680 --> 29:29.680]  If you could look like he threw them under the bus, that would work.
[29:29.680 --> 29:41.680]  That's perfect. Randy, that's exactly what I needed.
[29:41.680 --> 29:44.680]  Okay. Thank you. We are going to break.
[29:44.680 --> 29:49.680]  And thanks for calling Livia, Tina. We'll pick you up on the other side. Randy Carlson.
[29:49.680 --> 30:00.680]  Roodle Law Radio. We'll be right back.
[30:00.680 --> 30:09.680]  All aboard. When mold spread through the dorms of St. Mary's College in Maryland, the school relocated its students to a cruise ship.
[30:09.680 --> 30:14.680]  And Dr. Catherine Albrecht with an ocean tale of kids sailing through college. Next.
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[30:43.680 --> 30:50.680]  After Tropical Storm Irene swept through Maryland, mold spread like wildfire through the dorms of St. Mary's College.
[30:50.680 --> 30:54.680]  250 students had to be relocated. But where?
[30:54.680 --> 31:01.680]  Hotels? Well, that cost a fortune. 20,000 a day. So St. Mary's President came up with a whale of an idea.
[31:01.680 --> 31:08.680]  How about putting the students up on a cruise ship? It just so happened, the Sea Voyager cruise ship was on its way down from Maine.
[31:08.680 --> 31:13.680]  The owners mined docking in Maryland and turning their vessel into a floating dorm? No problem.
[31:13.680 --> 31:20.680]  So now the students are enjoying fine, on-board dining, sweet-looking suites, and a breathtaking waterfront view.
[31:20.680 --> 31:22.680]  Talk about smooth sailing.
[31:22.680 --> 31:30.680]  I'm Dr. Catherine Albrecht. More news and information at CatherineAlbrecht.com.
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[31:42.680 --> 31:46.680]  Although the official explanation is that fire brought down Building 7,
[31:46.680 --> 31:50.680]  over 1,200 architects and engineers has looked into the evidence,
[31:50.680 --> 31:52.680]  and believed there is more to the story.
[31:52.680 --> 31:55.680]  Bring justice to my son. My uncle. My nephew. My son.
[31:55.680 --> 32:00.680]  Go to BuildingWhat.org. Why it fell, why it matters, and what you can do.
[32:00.680 --> 32:05.680]  Hey, it's Danny here for Hill Country Home Improvements. Did your home receive hail or wind damage from the recent storms?
[32:05.680 --> 32:08.680]  Come on, we all know the government caused it with their chemtrails.
[32:08.680 --> 32:10.680]  But good luck getting them to pay for it.
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[32:55.680 --> 32:58.680]  Discounts are based on full roof replacement.
[32:58.680 --> 33:00.680]  I mean, I'd actually be kidding about chemtrails.
[33:00.680 --> 33:10.680]  You're listening to the Logos Radio Network at LogosRadioNetwork.com.
[33:17.680 --> 33:19.680]  Okay, we are back.
[33:19.680 --> 33:28.680]  Randy Kelton will radio on this Friday, the first day of March, 2018, and we're...
[33:28.680 --> 33:34.680]  I'm sorry, 2019, and we're going to Tina in California.
[33:34.680 --> 33:36.680]  I got to get on this call.
[33:36.680 --> 33:38.680]  Hi, Randy.
[33:38.680 --> 33:40.680]  I made a mistake.
[33:40.680 --> 33:42.680]  Uh-oh, she did.
[33:42.680 --> 33:48.680]  I sent you this spreadsheet, and I told you to fill out column D, and you did that.
[33:48.680 --> 33:50.680]  You said C.
[33:50.680 --> 33:52.680]  I'm sorry, column C.
[33:52.680 --> 33:57.680]  But I forgot to tell you to fill out the HUD 1 settlement statement.
[33:57.680 --> 34:05.680]  So, do you have the HUD 1 settlement statement nearby?
[34:05.680 --> 34:09.680]  Well, it'll take me a few minutes to get on the computer and find it.
[34:09.680 --> 34:11.680]  Okay.
[34:11.680 --> 34:15.680]  I will talk while you're doing that.
[34:15.680 --> 34:21.680]  The HUD 1 settlement statement's important because on the HUD 1 settlement statement,
[34:21.680 --> 34:24.680]  you get all kinds of charges.
[34:24.680 --> 34:25.680]  Yes.
[34:25.680 --> 34:29.680]  The one I sent you has some old numbers in it.
[34:29.680 --> 34:32.680]  A loan origination fee.
[34:32.680 --> 34:42.680]  The loan origination fee can only be 1% of the original amount of the loan.
[34:42.680 --> 34:51.680]  If it's more than that, this one I'm looking at, the loan amount is $108,339.
[34:51.680 --> 34:57.680]  The loan origination fee is $1,064.76.
[34:57.680 --> 35:02.680]  So, it is just under 1%.
[35:02.680 --> 35:05.680]  So, that one's legal.
[35:05.680 --> 35:09.680]  But then they have a loan discount.
[35:09.680 --> 35:22.680]  And in the loan discount, they have charged the buyer $1,100, $1,125, which is more than 1%,
[35:22.680 --> 35:32.680]  and they charge the seller right out of the 1,064.
[35:32.680 --> 35:34.680]  Excuse me.
[35:34.680 --> 35:39.680]  So, that makes the total fee 2%.
[35:39.680 --> 35:42.680]  That is a no-no.
[35:42.680 --> 35:47.680]  And then we have a commission's paid settlement.
[35:47.680 --> 35:59.680]  $50 to the buyer, charged to the buyer, and $7,900 charged to the seller.
[35:59.680 --> 36:03.680]  Well, here's the problem with that.
[36:03.680 --> 36:08.680]  At the end of the day, the buyer pays everything.
[36:08.680 --> 36:16.680]  And so, for them to charge the seller this on the HUD-1 increases the amount on the HUD-1.
[36:16.680 --> 36:22.680]  And we don't know if they actually paid them that or not.
[36:22.680 --> 36:27.680]  We know they put it on the HUD-1, but that doesn't mean anything.
[36:27.680 --> 36:35.680]  When we sat down at closing and the title company put the HUD-1 settlement statement in front of you,
[36:35.680 --> 36:47.680]  they said, all of these fees that you have to pay, lender fee $985, what is that?
[36:47.680 --> 36:49.680]  What was the lender fee?
[36:49.680 --> 36:57.680]  The real estate settlement procedures act allow you to charge a lender's fee.
[36:57.680 --> 37:04.680]  I don't see an invoice here showing what that lender's fee went for.
[37:04.680 --> 37:08.680]  You've got an annual appraisal fee.
[37:08.680 --> 37:10.680]  You've got a loan discount.
[37:10.680 --> 37:13.680]  This doesn't have a whole lot in it for me to complain about.
[37:13.680 --> 37:20.680]  Mortgage insurance premium of $1,800.
[37:20.680 --> 37:24.680]  But I don't have any evidence that you actually paid that $1,800.
[37:24.680 --> 37:27.680]  You could have just pulled that out of the air.
[37:27.680 --> 37:34.680]  And then a hazard insurance discount, I'm sorry, hazard insurance premium for $1,000.
[37:34.680 --> 37:37.680]  I don't know if you paid that.
[37:37.680 --> 37:50.680]  County taxes $1,000, county property taxes $349, city property taxes, but we don't know if they paid that or not.
[37:50.680 --> 37:57.680]  I don't know if they said they did, but if you want me to pay something, I'm going to expect some evidence.
[37:57.680 --> 37:59.680]  I want to see an invoice.
[37:59.680 --> 38:06.680]  You want me to reimburse what you put out, I need to see, to check you wrote to pay that with.
[38:06.680 --> 38:10.680]  But closing, you didn't provide any of that stuff.
[38:10.680 --> 38:15.680]  As far as I'm concerned, you made all this stuff up.
[38:15.680 --> 38:17.680]  It's all bogus.
[38:17.680 --> 38:19.680]  Tina, did you find it?
[38:19.680 --> 38:21.680]  I did.
[38:21.680 --> 38:24.680]  Okay, let me grab this right here.
[38:24.680 --> 38:29.680]  Okay, go to line 1400.
[38:29.680 --> 38:32.680]  Line 1400.
[38:32.680 --> 38:36.680]  Okay, there should be two columns and numbers.
[38:36.680 --> 38:42.680]  Add those, the two columns together and give me that number.
[38:42.680 --> 38:45.680]  I don't have a line 1400.
[38:45.680 --> 38:49.680]  All HUD 1 settlement statements have a line 1400.
[38:49.680 --> 38:51.680]  It'll be on page 2.
[38:51.680 --> 38:53.680]  Oh, it's on page 2.
[38:53.680 --> 39:05.680]  Let me look, okay, 1109-1200, let's see, go down to 1400, it says 4,846.23.
[39:05.680 --> 39:09.680]  4,846, what?
[39:09.680 --> 39:15.680]  Yeah, 4,846.23.
[39:15.680 --> 39:23.680]  I'll put that number in and then I'll read you some calculations.
[39:23.680 --> 39:28.680]  4,846.
[39:28.680 --> 39:33.680]  Okay, let's go to the schedule.
[39:33.680 --> 39:40.680]  Okay, if this is all right, and I haven't rechecked the spreadsheet to make sure all the numbers are transferring like you're supposed to.
[39:40.680 --> 39:44.680]  What was your mortgage amount?
[39:44.680 --> 39:47.680]  400,000.
[39:47.680 --> 39:49.680]  Okay, this thing's not transferring.
[39:49.680 --> 39:51.680]  All right, I've gone it.
[39:51.680 --> 39:53.680]  I'm going to have to fix it.
[39:53.680 --> 39:56.680]  400,000.
[39:56.680 --> 40:02.680]  I'll just hand letter a hand.
[40:02.680 --> 40:06.680]  What was your interest rate?
[40:06.680 --> 40:11.680]  It was a NEG-M.
[40:11.680 --> 40:14.680]  And what does it say?
[40:14.680 --> 40:17.680]  It doesn't say on the settlement statement, does it?
[40:17.680 --> 40:19.680]  It'll say that on the note.
[40:19.680 --> 40:24.680]  Let me go find that so I can find that fairly quickly.
[40:24.680 --> 40:26.680]  Just give me an estimate.
[40:26.680 --> 40:30.680]  Was it like 6, 7, 2, 3, 4?
[40:30.680 --> 40:37.680]  It's really hard to understand that part of the problem.
[40:37.680 --> 40:40.680]  Okay, is this an adjustable rate note?
[40:40.680 --> 40:46.680]  It was a negative amortization, and then it was changed a few years later to an adjustable monthly.
[40:46.680 --> 40:54.680]  Okay, then we need numbers from the latest note, which would be the adjustable.
[40:54.680 --> 41:02.680]  And if it changes monthly, does it use the Treasury note?
[41:02.680 --> 41:07.680]  What does it use to calculate the change?
[41:07.680 --> 41:10.680]  Okay, let me see.
[41:10.680 --> 41:13.680]  So this will be under...
[41:13.680 --> 41:15.680]  How old is it?
[41:15.680 --> 41:19.680]  It was from, it started in 2004.
[41:19.680 --> 41:21.680]  Okay, good use of LIBOR.
[41:21.680 --> 41:25.680]  This is before LIBOR got discredited.
[41:25.680 --> 41:36.680]  And I have another section where I can run an either a LIBOR or Treasury note amortization.
[41:36.680 --> 41:50.680]  Where I've got a program I can run that calculates what the interest should be each month and what the payment should be based on that interest if it changes every month.
[41:50.680 --> 41:55.680]  It's a pretty involved program here.
[41:55.680 --> 41:58.680]  It's not a program, it's a spreadsheet.
[41:58.680 --> 42:02.680]  But I'll give you an idea of what we will do in the end.
[42:02.680 --> 42:08.680]  So I've got some numbers in here, I'm saying the loan amounts 400,000.
[42:08.680 --> 42:11.680]  And the interest rate is 6.75.
[42:11.680 --> 42:19.680]  Do you have a...
[42:19.680 --> 42:21.680]  Tracy Lindy statement?
[42:21.680 --> 42:23.680]  Yes, I do.
[42:23.680 --> 42:31.680]  By the way, when they did the sort of fake modification, it went from a Kodi to Kofi.
[42:31.680 --> 42:34.680]  The new index rate was 3.970.
[42:34.680 --> 42:37.680]  The old margin rate was 3.60.
[42:37.680 --> 42:42.680]  The new margin rate 2.55.
[42:42.680 --> 42:44.680]  Okay, I don't know what that means.
[42:44.680 --> 42:49.680]  I'll have to look at the note to see what they mean by the margin rates.
[42:49.680 --> 42:57.680]  It has something to do with the way the adjustable rate mortgage is constructed.
[42:57.680 --> 43:00.680]  We can do those calculations.
[43:00.680 --> 43:03.680]  Let me demonstrate how we're making these calculations.
[43:03.680 --> 43:06.680]  This will make the bank crazy.
[43:06.680 --> 43:13.680]  On your Tracy Lindy statement, what is the principle on the Tracy Lindy statement?
[43:13.680 --> 43:20.680]  Okay, that, the principle is...
[43:20.680 --> 43:24.680]  The principle amount was 400,000.
[43:24.680 --> 43:27.680]  No, no, no, that's the principle on your note.
[43:27.680 --> 43:31.680]  On the note and thing.
[43:31.680 --> 43:36.680]  Okay, what's the interest on the Tracy Lindy?
[43:36.680 --> 43:40.680]  On the...
[43:40.680 --> 43:42.680]  Tracy Lindy, let me look.
[43:42.680 --> 43:48.680]  Okay, while you're looking for that, I'll explain why I'm asking that question.
[43:48.680 --> 43:55.680]  Almost never does the Tracy Lindy statement match the note.
[43:55.680 --> 44:00.680]  You will almost always have a lo...
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[46:14.680 --> 46:29.680]  Whoa, whoa, whoa, whoa, yeah. Always, I must be careful what I'm wishing for.
[46:29.680 --> 46:34.680]  When I'm hungry, I like to know just what I'm wishing for.
[46:34.680 --> 46:40.680]  I ain't asking for much, I ain't trying to be no-bloodin'.
[46:40.680 --> 46:50.960]  Okay, we are back. Randy Kelton, Deborah Stevens. No, Deborah Stevens is not today. Randy
[46:50.960 --> 46:58.560]  Kelton moved low radio and we're discussing this spreadsheet that I have that anybody
[46:58.560 --> 47:07.880]  has a mortgage you can use. It calculates how much the bank is overcharging you or it
[47:07.880 --> 47:15.120]  calculates a claim you could make against the bank. Tina, what is the interest on your
[47:15.120 --> 47:32.560]  truth and lending statement? 7.316. Oh, 7.316. And the principal is 400? Yeah, yes. Oh,
[47:32.560 --> 47:46.320]  this is weird. This is weird. That's the problem. Okay, I have a, okay, what is you? Okay, 7.316.
[47:46.320 --> 47:52.960]  And what did you say the interest rate was? Okay, I'm going to estimate your interest
[47:52.960 --> 48:01.560]  rate at 6.75 because that kind of goes closely with that 7.32. So let's say your interest
[48:01.560 --> 48:12.400]  rate is 6.75 on your mortgage. With the adjustable rate is probably going to vary around that
[48:12.400 --> 48:19.960]  to some degree. It's going to be close to that. And on the, on the truth and lending
[48:19.960 --> 48:27.960]  statement, they put 7.32. Well, there's a variance there and this spreadsheet will calculate the
[48:27.960 --> 48:39.640]  variance. And then we go to the HUD 1 settlement statement. And let's see if my values carried
[48:39.640 --> 48:51.400]  over. I don't see that they did. Okay, rate, payment period, improper charges. That should
[48:51.400 --> 49:07.560]  be 4,000. What was it? 4846. So I'm going to put that in 4846. And what we claim is that
[49:07.560 --> 49:15.680]  all of those charges were bogus. That they were all false charges and we will maintain
[49:15.680 --> 49:26.200]  their false charges until the bank proves them up. According to these calculations,
[49:26.200 --> 49:40.600]  over the period of the mortgage, you will have overpaid the mortgage 204,019.96. And
[49:40.600 --> 49:53.720]  here's the biggest problem for the bank in this is 96 cents. This is not an approximation.
[49:53.720 --> 50:01.280]  We're saying with these numbers, you would overcharge the buyer this amount of money
[50:01.280 --> 50:11.400]  to the penny. And they're going to say, oh, wow, that's not accurate. Okay, you got my
[50:11.400 --> 50:21.400]  numbers. Let's see your numbers. The problem is they don't have their numbers. The problem
[50:21.400 --> 50:32.800]  is, is when the bank changed the servicers, they didn't get all the accounting. They got
[50:32.800 --> 50:43.440]  from the servicer what the servicer asserted was owed at this time. That's it. So when
[50:43.440 --> 50:50.040]  you say, wait a minute, wait a minute, my calculation from the origination of the note
[50:50.040 --> 50:56.360]  that each month we pay this amount, this amount in principle, this amount in interest, and
[50:56.360 --> 51:03.720]  my balance should have decreased by this amount. And I've got it right here in my spreadsheet.
[51:03.720 --> 51:06.520]  And if you think it's wrong, we'll go in here and see if there's something wrong with my
[51:06.520 --> 51:13.480]  spreadsheet. And since you charged all this garbage at closing and you didn't prove up
[51:13.480 --> 51:19.360]  any of it, we think it's all garbage. So, but if you prove up one of them, we will deduct
[51:19.360 --> 51:25.800]  it from this calculation. But our calculation shows that you attempted to steal from us
[51:25.800 --> 51:44.960]  $204,019.96. And since that's fraud, we assert a claim of three times that $612,059.88. So
[51:44.960 --> 51:54.560]  let's go to the federal court and let's dance. You bring your numbers. I got my numbers.
[51:54.560 --> 52:01.200]  And in the next five or six years, we'll get to a jury and we'll let a jury decide if
[52:01.200 --> 52:11.880]  the numbers are accurate or not. It's not so much about what you can conclusively prove.
[52:11.880 --> 52:21.080]  In this case, it's about what they cannot disprove. And I can assure you with a variable
[52:21.080 --> 52:32.040]  rate note, running the note against the library or the treasury notes, whichever they use,
[52:32.040 --> 52:40.640]  there will always be major discrepancies. So, being a variable rate note gives us a whole
[52:40.640 --> 52:45.680]  bunch of other stuff that we can add into the calculation and every penny they try to
[52:45.680 --> 52:58.040]  overcharge, you claim it is punitive because every penny they overcharge, you pay interest
[52:58.040 --> 53:08.400]  on for the full term of the note. If they charge you a penny over at closing, the interest
[53:08.400 --> 53:15.160]  on that penny, because the last thing you pay off is the overcharge. You pay off your
[53:15.160 --> 53:20.080]  regular mortgage. The last thing you pay is the overcharge. So, if they add an extra penny
[53:20.080 --> 53:30.120]  on the first day, you pay interest on the last day and that penny will be up to 6 cents.
[53:30.120 --> 53:42.080]  So, we're claiming first day $8,000 or $4,000 or $5,000. And by the time the note, at the
[53:42.080 --> 53:52.480]  end of the note, that's going to be up to $12,000. And it actually calculates out worse
[53:52.480 --> 54:04.320]  than that because of the way the interest is compounded. In this case, with the numbers
[54:04.320 --> 54:11.840]  that she gave me actually, this thing just changed some of the numbers on me, it lessened
[54:11.840 --> 54:17.440]  one of the numbers. So, if I put the right number in there, it says $396,000 or $54 should
[54:17.440 --> 54:30.160]  be $400. And I bumped my numbers up a little bit. And I bumped them down a little bit, $151,325
[54:30.160 --> 54:36.560]  and 5 cents. You claim that as overcharge. And they're going to say, oh no, we didn't
[54:36.560 --> 54:40.840]  overcharge you. Well, my calculations show you, we do, and I have calculations to the
[54:40.840 --> 54:51.440]  penny. What calculations have you got, Bubba? All of those records I asked you for and what's
[54:51.440 --> 54:58.320]  the term? I'm going to file a request to all of the accounting and then have to produce
[54:58.320 --> 54:59.320]  it.
[54:59.320 --> 55:03.320]  Yeah, thanks for the review.
[55:03.320 --> 55:09.920]  So I got my numbers. You go get all your numbers and bring them to court and we'll see who
[55:09.920 --> 55:15.880]  the jury thinks is telling the truth here. So that's what this tool is for. And I'll
[55:15.880 --> 55:23.200]  generally get you a claim against a lender of two to three times the original mortgage.
[55:23.200 --> 55:34.480]  This one I'm looking at at schedules on schedule C. I'm up to a claim against a lender of $907,950
[55:34.480 --> 55:43.780]  and 30 cents. They're going to say, well, it's outrageous. Well, I'm prepared to prove
[55:43.780 --> 55:52.000]  up my numbers. You come in and disprove it. Good luck with that. Okay, that's what this
[55:52.000 --> 55:59.440]  thing is for. So anybody who's got a mortgage that's questionable, let me know I'll send
[55:59.440 --> 56:09.800]  you this spreadsheet. But these days you will have less discrepancies in the mortgage itself.
[56:09.800 --> 56:13.040]  You'll still have the problem with the HUD 1 settlement statement because they still
[56:13.040 --> 56:21.760]  don't provide any documentation. So you'll still have that claim. But since the industry
[56:21.760 --> 56:30.400]  has received so much heat, we've gotten a lot more careful in producing loans for the
[56:30.400 --> 56:40.640]  numbers matched the way they're supposed to. But in 2004, they were screwing up big time.
[56:40.640 --> 56:51.360]  So in Tina's case, she's already been foreclosed on. But this is fraud and she just discovered
[56:51.360 --> 56:57.480]  the fraud. So she can go back and sue the bank directly. Now, the bank has taken the
[56:57.480 --> 57:10.400]  property and sold it. If they lose now, then the harm to you is grossly compounded. And
[57:10.400 --> 57:16.040]  they're looking at spending a long time in the court. What normally happens when you
[57:16.040 --> 57:22.840]  file a suit that's anything other than a declaratory judgment suit, the federal judges are bought
[57:22.840 --> 57:31.520]  and paid for in their rule against you no matter what. So we go after the federal judges.
[57:31.520 --> 57:39.560]  Beat them up good. File judicial conduct complaints against them. Just give them as much grief
[57:39.560 --> 57:44.600]  as you can. File criminal charges against them for failing to properly apply the law
[57:44.600 --> 57:52.920]  to the facts. And let them explain it to the Attorney General. At the end of the day, it's
[57:52.920 --> 57:57.640]  all about politics and your whole purpose is to get the bank to come to the table and
[57:57.640 --> 58:04.960]  make you a deal. You pay me half of what you would have to pay your lawyers to fight my
[58:04.960 --> 58:12.560]  case and I'll go away and leave you alone. Okay. That makes sense, Tina?
[58:12.560 --> 58:18.720]  It makes sense. And I just realized actually that that one figure I gave you, I got two
[58:18.720 --> 58:25.600]  settlement statements. And the one I gave you was the earlier one, not the last one.
[58:25.600 --> 58:26.600]  But it's really neat.
[58:26.600 --> 58:32.680]  Okay. It's not that important. This was just for demonstration purposes anyway. This one's
[58:32.680 --> 58:37.600]  not intended to be accurate. So we'll get the right numbers and put them in there. About
[58:37.600 --> 58:45.280]  to go to break. Randy Kelton, rule of law radio or call in number 5126461984. We'll
[58:45.280 --> 58:50.320]  be right back.
[58:50.320 --> 58:55.320]  Would you like to make more definite progress in your walk with God? Bibles for America
[58:55.320 --> 59:00.960]  is offering a free study Bible and a set of free Christian books that can really help.
[59:00.960 --> 59:05.280]  The New Testament recovery version is one of the most comprehensive study Bibles available
[59:05.280 --> 59:09.920]  today. It's an accurate translation and it contains thousands of footnotes that will
[59:09.920 --> 59:15.120]  help you to know God and to know the meaning of life. The free books are a three-volume
[59:15.120 --> 59:20.440]  set called Basic Elements of the Christian Life. Chapter by chapter, Basic Elements of
[59:20.440 --> 59:26.040]  the Christian Life clearly presents God's plan of salvation, growing in Christ and how
[59:26.040 --> 59:32.240]  to build up the church. To order your free New Testament recovery version and Basic Elements
[59:32.240 --> 59:45.200]  of the Christian Life, call Bibles for America toll free at 888-551-0102. That's 888-551-0102.
[59:45.200 --> 59:49.600]  Or visit us online at bfa.org.
[59:49.600 --> 01:00:00.600]  Live, free speech radio, logosradionetwork.com.
[01:00:00.600 --> 01:00:07.600]  The following newsflash is brought to you by The Low Star Lowdown, providing your deli
[01:00:07.600 --> 01:00:13.400]  bulletins for the Commodity Market, Today in History, News Updates, and the Inside Scoop
[01:00:13.400 --> 01:00:21.200]  into the Tides of the Alternative.
[01:00:21.200 --> 01:00:27.440]  Markets for Wednesday, the 6th of February, 2019, open with gold at $1,313.70 an ounce,
[01:00:27.440 --> 01:00:34.800]  over $15.77 an ounce, copper at $2.83 an ounce, oil at Texas Crude at $3.66 a barrel,
[01:00:34.800 --> 01:00:40.120]  Brent Crude at $61.98 a barrel, and cryptos in order of market capitalization, Bitcoin
[01:00:40.120 --> 01:00:54.000]  at $3,401.64, Ripple at XRP at $0.29, Ethereum at $10.10, and Eos at $2.32 of cryptocoin.
[01:00:54.000 --> 01:00:59.560]  Today in History, the year 1918, British women over the age of 30 who meet minimum property
[01:00:59.560 --> 01:01:04.480]  qualifications get the right to vote when the Representation of the People Act of 1918
[01:01:04.480 --> 01:01:09.480]  was passed by Parliament.
[01:01:09.480 --> 01:01:14.120]  In recent news, several Texas-based organizations filed a lawsuit today, requesting that a federal
[01:01:14.120 --> 01:01:18.880]  court stop the state from flagging about 95,000 people as potentially illegally registered
[01:01:18.880 --> 01:01:19.880]  to vote.
[01:01:19.880 --> 01:01:25.200]  This was compiled after an 11-month-long investigation by the Office of the Texas Secretary of State
[01:01:25.200 --> 01:01:29.920]  and the Texas Department of Public Safety, which sought to identify non-U.S. citizens
[01:01:29.920 --> 01:01:33.280]  who were registered to vote when obtaining age-arvage license.
[01:01:33.280 --> 01:01:36.960]  Over half of the 95,000 did indeed vote, it seems.
[01:01:36.960 --> 01:01:41.000]  However, further controversy was raised when it became clear that some of the names were
[01:01:41.000 --> 01:01:45.160]  not in fact belonging to those who were non-citizens and registered.
[01:01:45.160 --> 01:01:50.760]  Apparently around 25% of all Latino immigrants become naturalized, gaining the right to vote.
[01:01:50.760 --> 01:01:55.160]  Registered voters who receive letters querying their citizenship have 30 days to respond
[01:01:55.160 --> 01:01:56.960]  with proof of eligibility.
[01:01:56.960 --> 01:02:01.160]  Texas Attorney General Ken Paxton and David Whitley, the Texas Secretary of State, have
[01:02:01.160 --> 01:02:08.920]  yet to officially comment regarding this list and any updates pertaining to it.
[01:02:08.920 --> 01:02:14.320]  A Texas man of only 24 years old, William Brown, died from a severed artery in his neck after
[01:02:14.320 --> 01:02:16.840]  a vape pen exploded while he was using it.
[01:02:16.840 --> 01:02:20.560]  It apparently happened in the parking lot of the vape shop where he got it.
[01:02:20.560 --> 01:02:24.160]  An x-ray revealed that a piece of metal was embedded in his brainstem.
[01:02:24.160 --> 01:02:30.360]  The vape store, Smoke and Vape DZ, has refused to comment.
[01:02:30.360 --> 01:02:35.120]  First edition anchorwoman, Kristen Diaz, interviewed Aislin Campbell, the executive director of
[01:02:35.120 --> 01:02:40.080]  Grow Local, South Texas, concerning the upcoming Texas Organic Farmers and Gardeners Association
[01:02:40.080 --> 01:02:44.480]  Conference, which will be taking place at the Corpus Christi Omni Hotel from February
[01:02:44.480 --> 01:02:47.400]  14th to 16th, 6 to 9 p.m.
[01:02:47.400 --> 01:02:51.400]  You can find the interview at kiiitv.com.
[01:02:51.400 --> 01:03:00.400]  This is Rick Brody with your lowdown for February 6th, 2019.
[01:03:00.400 --> 01:03:25.520]  Okay, we are back, Randy Kelton, Rue's Law Radio, and we're talking to Tina in California.
[01:03:25.520 --> 01:03:28.120]  Okay, Tina.
[01:03:28.120 --> 01:03:38.560]  You had a question, we can address this tomorrow offline, and I will look over my spreadsheet.
[01:03:38.560 --> 01:03:40.560]  Word has a problem.
[01:03:40.560 --> 01:03:49.800]  I build this spreadsheet, and it just seems to accumulate errors in it, because everything
[01:03:49.800 --> 01:03:52.320]  in Word seems to be interactive.
[01:03:52.320 --> 01:03:57.280]  You touch one thing, it changes everything else.
[01:03:57.280 --> 01:04:05.080]  Word spreadsheets have been a real problem, and then once I develop all this information,
[01:04:05.080 --> 01:04:15.520]  I have a lawsuit that I produce that has 395 or 96 links from this spreadsheet into the
[01:04:15.520 --> 01:04:16.520]  lawsuit.
[01:04:16.520 --> 01:04:23.880]  So, I have someone fill out the information on the spreadsheet, then I open the lawsuit,
[01:04:23.880 --> 01:04:28.120]  and the lawsuit looks for links to this spreadsheet.
[01:04:28.120 --> 01:04:35.080]  I bet I have replaced those links 50 times.
[01:04:35.080 --> 01:04:39.320]  One time I'll open it, and none of the links work.
[01:04:39.320 --> 01:04:44.680]  I have no idea why they don't work.
[01:04:44.680 --> 01:04:51.120]  Words just got all these anomalies in it, so it does some really powerful stuff, but
[01:04:51.120 --> 01:04:54.480]  it has some very annoying weaknesses.
[01:04:54.480 --> 01:04:57.480]  It's better if you can do this in a database.
[01:04:57.480 --> 01:05:01.000]  But I have it in Word, and everybody has Word.
[01:05:01.000 --> 01:05:09.840]  So if you will call me tomorrow, Tina, and make sure you have the note, the HUD 1 settlement
[01:05:09.840 --> 01:05:16.440]  statement, the truth and lenient statement, for the most current mortgage that was on
[01:05:16.440 --> 01:05:21.920]  the property for the last mortgage, if it was a REFI or whatever it was, so we're working
[01:05:21.920 --> 01:05:23.920]  from the last one.
[01:05:23.920 --> 01:05:27.560]  We'll calculate from that point forward.
[01:05:27.560 --> 01:05:33.360]  We could go back and recalculate the other one as well, because that number is likely
[01:05:33.360 --> 01:05:39.880]  to come up off when you did the refinance, but whoever did the refinance, if it's not
[01:05:39.880 --> 01:05:43.120]  the same bank, they're not responsible for that.
[01:05:43.120 --> 01:05:49.800]  That would be a suit back to the original lender, and that gets more complicated.
[01:05:49.800 --> 01:05:54.440]  So all we care about is what's on the last mortgage.
[01:05:54.440 --> 01:05:58.920]  Did you have a question other than that, because I kind of bushwacked you when we started.
[01:05:58.920 --> 01:06:00.240]  You did.
[01:06:00.240 --> 01:06:06.840]  Well, just related to this, just for your listeners' sake, before I get to my main question,
[01:06:06.840 --> 01:06:15.240]  on that truth and lending statement, it has paid outside of closing $8,000 to the broker.
[01:06:15.240 --> 01:06:23.080]  For your listeners' sake, how would that affect, because it doesn't seem to appear in the calculations.
[01:06:23.080 --> 01:06:24.880]  It's just kind of off to the side.
[01:06:24.880 --> 01:06:27.600]  It's a yield-spread premium.
[01:06:27.600 --> 01:06:32.080]  I would have to see that, scan it and send it to me.
[01:06:32.080 --> 01:06:34.080]  Let me look at it.
[01:06:34.080 --> 01:06:40.680]  In the truth and lending statement, the upper half of it, there are, I think, four or five
[01:06:40.680 --> 01:06:48.200]  boxes, and those are where I pull my numbers, and then under those boxes, sometimes there
[01:06:48.200 --> 01:06:56.080]  are a list of what the payments are for a different period, especially if it's a variable
[01:06:56.080 --> 01:07:02.360]  rate, they will list the projected payment amounts.
[01:07:02.360 --> 01:07:06.960]  That's all that's really relevant to what I'm looking for, generally, on a truth and
[01:07:06.960 --> 01:07:07.960]  lending statement.
[01:07:07.960 --> 01:07:08.960]  Okay.
[01:07:08.960 --> 01:07:11.680]  So, I'll get that to you tonight.
[01:07:11.680 --> 01:07:19.160]  Now my main question tonight was regarding the note that the California statute says
[01:07:19.160 --> 01:07:23.480]  I can have, and I just found the letter that I...
[01:07:23.480 --> 01:07:29.800]  The bank had said that the attorney for the bank, when we'd requested the original note
[01:07:29.800 --> 01:07:37.080]  marked as paid in full, and the original lunges, if there really were any original ones, we
[01:07:37.080 --> 01:07:41.400]  requested it under the California statute that allows me to have it.
[01:07:41.400 --> 01:07:45.760]  He said, well, after a month, we found it, and then, oh, but we're not sending it to
[01:07:45.760 --> 01:07:50.880]  you because it's improper discovery and you can't have it until the litigation is finished.
[01:07:50.880 --> 01:07:56.800]  Well, the litigation is finished and they still haven't sent it to me, and it was not
[01:07:56.800 --> 01:08:00.120]  improper discovery because the statute says I can have it.
[01:08:00.120 --> 01:08:07.800]  He sued the lawyer personally, breaking suckin' eggs.
[01:08:07.800 --> 01:08:11.800]  What would they sue him for?
[01:08:11.800 --> 01:08:12.800]  Malpractice.
[01:08:12.800 --> 01:08:13.800]  No.
[01:08:13.800 --> 01:08:21.720]  He only has that note because he's the lawyer, and he was required to send it to you to sue
[01:08:21.720 --> 01:08:22.720]  him for malpractice.
[01:08:22.720 --> 01:08:26.920]  I said, he won't like that at all.
[01:08:26.920 --> 01:08:27.920]  Oh, good.
[01:08:27.920 --> 01:08:28.920]  I could do that.
[01:08:28.920 --> 01:08:29.920]  What about the CEO?
[01:08:29.920 --> 01:08:35.520]  I sent a follow-up, you know, this last year to the CEO of the bank, and they just completely
[01:08:35.520 --> 01:08:42.160]  ignored the letter, and I asked them for the same thing and said, you know, your attorney
[01:08:42.160 --> 01:08:50.160]  has failed to remit this, but it talks about the trustees, so do I have to ask the trustee
[01:08:50.160 --> 01:08:56.040]  and when they don't give it to me, sue all of them?
[01:08:56.040 --> 01:09:03.720]  First thing is probably the best thing to do first is petition for declaratory judgment.
[01:09:03.720 --> 01:09:06.000]  Petition for declaratory judgment.
[01:09:06.000 --> 01:09:08.960]  Ask the court to declare the rights of the parties.
[01:09:08.960 --> 01:09:16.760]  That one can't be bombed based on Rule 12B6, Motion to Dismiss Favourite State of Claim.
[01:09:16.760 --> 01:09:20.960]  That one sticks in the court.
[01:09:20.960 --> 01:09:21.960]  Is that in federal court?
[01:09:21.960 --> 01:09:22.960]  I do that?
[01:09:22.960 --> 01:09:23.960]  Yes, you can do it.
[01:09:23.960 --> 01:09:25.560]  Well, you can do it in federal or state.
[01:09:25.560 --> 01:09:28.200]  Every state has a declaratory judgment act.
[01:09:28.200 --> 01:09:32.680]  So I look up my state's declaratory judgment act.
[01:09:32.680 --> 01:09:39.040]  Yes, so all you're doing, you're not suing for any damages, so there are no claims.
[01:09:39.040 --> 01:09:43.080]  You're asking the court to declare the rights of the parties.
[01:09:43.080 --> 01:09:51.640]  You ask the court to declare that you have a right to receive that document back.
[01:09:51.640 --> 01:09:58.960]  That becomes, if the court says yes, you have a right to receive that document back.
[01:09:58.960 --> 01:10:00.200]  Now that's Res.
[01:10:00.200 --> 01:10:01.200]  Judicata.
[01:10:01.200 --> 01:10:06.920]  Now you go back and file a civil action based on the ruling of the court in the petition
[01:10:06.920 --> 01:10:09.640]  for declaratory judgment.
[01:10:09.640 --> 01:10:15.360]  The advantage that you have is I have yet to come across a lawyer who knew how to handle
[01:10:15.360 --> 01:10:17.760]  declaratory judgment.
[01:10:17.760 --> 01:10:23.760]  The last one moved the court to dismiss for failure to stay to claim.
[01:10:23.760 --> 01:10:30.640]  Well, duh, it's a declaratory judgment, doesn't have a claim.
[01:10:30.640 --> 01:10:32.320]  So what did the judge do?
[01:10:32.320 --> 01:10:35.280]  He dismissed it with prejudice.
[01:10:35.280 --> 01:10:38.680]  The same day I non-suited it.
[01:10:38.680 --> 01:10:40.200]  So what did I do?
[01:10:40.200 --> 01:10:46.440]  I filed criminal charges against the judge with the special agent in charge of the FBI.
[01:10:46.440 --> 01:10:51.240]  That was a hoot.
[01:10:51.240 --> 01:10:55.400]  That judge doesn't dismiss those anymore.
[01:10:55.400 --> 01:10:59.080]  So we got ways to go and for them.
[01:10:59.080 --> 01:11:02.120]  You file suit and the judge just blows everything off.
[01:11:02.120 --> 01:11:06.720]  You file criminal charges with the SAC against the judge for failing to properly apply the
[01:11:06.720 --> 01:11:13.040]  law to the facts and abusing his discretion and that abuse of his discretion denied you
[01:11:13.040 --> 01:11:21.000]  in full free access to enjoyment right, 18 U.S. Code 242, let's dance.
[01:11:21.000 --> 01:11:27.880]  And then when the SAC, you give him a couple of weeks and then you contact the attorney
[01:11:27.880 --> 01:11:36.240]  general and request from the attorney general a copy of the notice sent by the SAC to the
[01:11:36.240 --> 01:11:47.560]  attorney general of crime by a public official in accordance with 28 U.S. Code 353.
[01:11:47.560 --> 01:11:55.080]  Now you get dance on the attorney general to try to get him to arrest the SAC for failing
[01:11:55.080 --> 01:12:00.040]  to perform a duty he is required to perform, politics.
[01:12:00.040 --> 01:12:07.760]  Yeah, now they will, the first thing they will try to do is say, everything is barred
[01:12:07.760 --> 01:12:12.240]  by a registered card because this is the same property, same claim, same person, same party
[01:12:12.240 --> 01:12:14.760]  because that's what they bring up every single time.
[01:12:14.760 --> 01:12:20.960]  Then you file a motion for sanctions for filing a privilege pleading.
[01:12:20.960 --> 01:12:30.000]  You're right to receive a copy of the mortgage after the mortgage has been discharged.
[01:12:30.000 --> 01:12:33.000]  It has not been before the court.
[01:12:33.000 --> 01:12:34.160]  No.
[01:12:34.160 --> 01:12:39.520]  So, when they say it's resjudicata, you go for sanctions.
[01:12:39.520 --> 01:12:40.520]  Okay.
[01:12:40.520 --> 01:12:41.520]  Great.
[01:12:41.520 --> 01:12:48.280]  Well, I will work on getting that written up, the character judgment written up in the
[01:12:48.280 --> 01:12:51.520]  next week or two and get it filed.
[01:12:51.520 --> 01:12:52.520]  Okay.
[01:12:52.520 --> 01:12:56.520]  Then let's talk tomorrow on the spreadsheet.
[01:12:56.520 --> 01:12:58.720]  We'll get that one worked out.
[01:12:58.720 --> 01:13:03.800]  Then I can, I'm better at fixing the lawsuit.
[01:13:03.800 --> 01:13:12.240]  I can re-merge the lawsuit and then send you the whole suit and then you can adjust it
[01:13:12.240 --> 01:13:14.720]  to your case.
[01:13:14.720 --> 01:13:19.800]  That will be good because what I plan to do when you've done this accounting is I am filing
[01:13:19.800 --> 01:13:28.200]  a complaint with the SEC and the FDIC and I'm using this accounting in it and I'm using
[01:13:28.200 --> 01:13:34.320]  the fact because you did bring up something very important earlier where you said it came
[01:13:34.320 --> 01:13:40.200]  down to the penny, to 96 cents and you said that's very important.
[01:13:40.200 --> 01:13:48.320]  Well, I believe that the notice that they put in, the notice of trustee sale, which
[01:13:48.320 --> 01:13:55.200]  they publicly recorded in the county recorders office, which stated the total amount due
[01:13:55.200 --> 01:14:07.640]  and owing on this loan, including other charges, is $365,740.43, but then they refused a phone
[01:14:07.640 --> 01:14:12.000]  priced offer from a private lender for that amount.
[01:14:12.000 --> 01:14:14.200]  Have you sued them for that?
[01:14:14.200 --> 01:14:19.440]  Well, we brought that into the suit and the judge completely ignored it.
[01:14:19.440 --> 01:14:22.440]  Then sue the judge.
[01:14:22.440 --> 01:14:28.360]  Well, oh, can I sue the judge because I did file that in the complaint.
[01:14:28.360 --> 01:14:40.480]  I got a case law that says, Judge Walker V. Packer, the court has no discretion in properly
[01:14:40.480 --> 01:14:43.840]  applying the law to the facts.
[01:14:43.840 --> 01:14:51.840]  A failure to do so is an abuse of discretion and abuse of discretion is a crime in the state
[01:14:51.840 --> 01:15:00.400]  of California, I'm sorry, an abuse of discretion that denies a citizen full and free access
[01:15:00.400 --> 01:15:05.840]  to or enjoyment right is a crime in the state of California.
[01:15:05.840 --> 01:15:12.360]  The judge crimes are not within the scope of the judge's authority, so you sue him for
[01:15:12.360 --> 01:15:15.760]  acting outside scope.
[01:15:15.760 --> 01:15:20.960]  It's not what you can prove that keeps the case in court.
[01:15:20.960 --> 01:15:24.040]  It's what your claim is.
[01:15:24.040 --> 01:15:28.200]  You claim outside scope.
[01:15:28.200 --> 01:15:36.080]  The judge has got to argue that committing an act that amounts to a criminal act is within
[01:15:36.080 --> 01:15:37.200]  his scope.
[01:15:37.200 --> 01:15:40.200]  Good luck.
[01:15:40.200 --> 01:15:47.120]  It's going to sting him no matter how you do it, no matter how they win, the rule, it's
[01:15:47.120 --> 01:15:49.120]  going to sting him big time.
[01:15:49.120 --> 01:15:55.880]  And can I do that where I'm living now, which is four hours away from where this judge is,
[01:15:55.880 --> 01:15:58.600]  because that's much more convenient to me.
[01:15:58.600 --> 01:16:01.720]  Wait, I couldn't understand that.
[01:16:01.720 --> 01:16:05.600]  Do you sound like you're getting too far from the mic or something?
[01:16:05.600 --> 01:16:06.600]  Okay.
[01:16:06.600 --> 01:16:15.080]  Can I sue this judge in my local court, which is four hours from where he is residing in
[01:16:15.080 --> 01:16:16.080]  his court?
[01:16:16.080 --> 01:16:20.520]  Is he a federal judge or a state judge?
[01:16:20.520 --> 01:16:22.520]  State judge.
[01:16:22.520 --> 01:16:23.520]  State judge?
[01:16:23.520 --> 01:16:26.520]  Yeah, you can sue him in your jurisdiction.
[01:16:26.520 --> 01:16:27.520]  Okay.
[01:16:27.520 --> 01:16:30.240]  Well, good, because that's more convenient to me.
[01:16:30.240 --> 01:16:31.840]  And I guess the judge is here.
[01:16:31.840 --> 01:16:32.840]  Well, I kick it.
[01:16:32.840 --> 01:16:35.000]  I'm suing the judge, but it's not one of their own.
[01:16:35.000 --> 01:16:36.920]  So maybe we'll see what happens.
[01:16:36.920 --> 01:16:40.960]  But I'll work on getting that, the walk of the packer.
[01:16:40.960 --> 01:16:45.360]  Work on getting the information on that and seeing how I can light that up.
[01:16:45.360 --> 01:16:50.800]  Because don't you believe that putting that specific amount that says the total amount
[01:16:50.800 --> 01:16:53.600]  you are owing, including other charges?
[01:16:53.600 --> 01:16:54.600]  Okay.
[01:16:54.600 --> 01:17:00.240]  That becomes collateral estoppel.
[01:17:00.240 --> 01:17:05.560]  Are you being harassed by debt collectors with phone calls, letters, or even lawsuits?
[01:17:05.560 --> 01:17:09.240]  Stop debt collectors now with the Michael Mearris proven method.
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[01:17:19.240 --> 01:17:20.880]  civil rights statute.
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[01:17:40.840 --> 01:17:46.600]  For more information, please visit ruleoflawradio.com and click on the blue Michael Mearris banner
[01:17:46.600 --> 01:17:49.560]  or email MichaelMearris at yahoo.com.
[01:17:49.560 --> 01:17:59.120]  That's ruleoflawradio.com or email m-i-c-h-a-e-l-m-i-r-r-a-s at yahoo.com to learn how to stop debt collectors
[01:17:59.120 --> 01:18:00.280]  now.
[01:18:00.280 --> 01:18:01.280]  I love logos.
[01:18:01.280 --> 01:18:04.800]  Without the shows on this network, I'd be almost as ignorant as my friends.
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[01:18:08.640 --> 01:18:13.360]  I'd be lost without logos, and I really want to help keep this network on the air.
[01:18:13.360 --> 01:18:17.080]  I'd love to volunteer as a show producer, but I'm a bit of a Luddite, and I really don't
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[01:18:20.480 --> 01:18:22.040]  How can I help logos?
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[01:18:27.040 --> 01:18:29.560]  Good ordering your supplies or holiday gifts.
[01:18:29.560 --> 01:18:31.640]  First thing you do is clear your cookies.
[01:18:31.640 --> 01:18:37.880]  Now, go to www.LogosRadioNetwork.com, click on the Amazon logo, and bookmark it.
[01:18:37.880 --> 01:18:43.560]  Now, when you order anything from Amazon, you use that link, and logos gets a few pesos.
[01:18:43.560 --> 01:18:44.560]  Do I pay extra?
[01:18:44.560 --> 01:18:45.560]  No.
[01:18:45.560 --> 01:18:47.400]  Do I have to do anything different when I order?
[01:18:47.400 --> 01:18:48.400]  No.
[01:18:48.400 --> 01:18:49.400]  Can I use my Amazon Prime?
[01:18:49.400 --> 01:18:50.400]  No.
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[01:18:56.020 --> 01:18:57.020]  Thank you so much.
[01:18:57.020 --> 01:18:58.520]  We are logos.
[01:18:58.520 --> 01:19:00.520]  Happy holidays, logos.
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[01:19:40.360 --> 01:19:41.360]  Okay.
[01:19:41.360 --> 01:19:42.360]  We are back.
[01:19:42.360 --> 01:19:45.880]  Randy Kelton rules our radio, and we're talking to Tina in California.
[01:19:45.880 --> 01:19:46.880]  Okay.
[01:19:46.880 --> 01:19:48.880]  Tina, I fell off the cliff again.
[01:19:48.880 --> 01:19:49.880]  Where were we?
[01:19:49.880 --> 01:19:56.880]  You were just saying that collateral is subtle, the fact that they put that amount exactly
[01:19:56.880 --> 01:20:02.480]  to the penny in the notice of trustee sale, and they sent me 97 copies in one day, and
[01:20:02.480 --> 01:20:05.400]  subsequently recorded it.
[01:20:05.400 --> 01:20:12.280]  Did you request from the trustee any overpayments?
[01:20:12.280 --> 01:20:16.160]  Yes, I did.
[01:20:16.160 --> 01:20:17.160]  Did they pay you anything?
[01:20:17.160 --> 01:20:22.160]  What it's called is the overage from the sale.
[01:20:22.160 --> 01:20:23.160]  Yes.
[01:20:23.160 --> 01:20:27.400]  I sent me it, but without an accounting, and they took out a few hundred and something
[01:20:27.400 --> 01:20:28.400]  dollars from it.
[01:20:28.400 --> 01:20:29.400]  Okay.
[01:20:29.400 --> 01:20:33.400]  Then we also sued the trustee.
[01:20:33.400 --> 01:20:45.840]  Yeah, I mean, depending on what you want to do, the best suit is against the lender for
[01:20:45.840 --> 01:20:49.360]  the amount, for fraud for the amount they charge, because that's what caused you to
[01:20:49.360 --> 01:20:56.880]  go into default is because they charge too much.
[01:20:56.880 --> 01:21:02.720]  And will the, because this loan, you know, it was done by the FDIC, it went to the FDIC
[01:21:02.720 --> 01:21:08.480]  and was sold to One West, and then sold to One West, that was a sick route.
[01:21:08.480 --> 01:21:14.760]  Can they claim that they didn't have a hand in that so they're not liable for the predecessors'
[01:21:14.760 --> 01:21:16.760]  actions?
[01:21:16.760 --> 01:21:19.440]  They're liable for what they claimed.
[01:21:19.440 --> 01:21:20.440]  Okay.
[01:21:20.440 --> 01:21:26.520]  Whoever claimed that amount, they claimed it, and they have a duty to make sure that's
[01:21:26.520 --> 01:21:27.520]  correct.
[01:21:27.520 --> 01:21:28.520]  Okay.
[01:21:28.520 --> 01:21:34.280]  And if the other party committed fraud, and they picked it up to contract that was tainted
[01:21:34.280 --> 01:21:38.880]  with fraud, they get painted with the same brush.
[01:21:38.880 --> 01:21:41.880]  They furthered the fraud.
[01:21:41.880 --> 01:21:45.560]  I like that word, frozen to fraud, yes, they did.
[01:21:45.560 --> 01:21:46.560]  Okay.
[01:21:46.560 --> 01:21:48.560]  This is good.
[01:21:48.560 --> 01:21:49.560]  Okay.
[01:21:49.560 --> 01:21:53.560]  Thank you, Tina.
[01:21:53.560 --> 01:22:00.080]  Now we're going to go to John in New York.
[01:22:00.080 --> 01:22:06.080]  John, if your phone is muted, unmute it.
[01:22:06.080 --> 01:22:08.080]  I'm right here.
[01:22:08.080 --> 01:22:09.080]  Gotcha.
[01:22:09.080 --> 01:22:10.080]  Okay.
[01:22:10.080 --> 01:22:12.920]  What do you have for us today?
[01:22:12.920 --> 01:22:14.320]  Well, thank you.
[01:22:14.320 --> 01:22:19.080]  I'm going after the judge in the cop in that seat belt ticket.
[01:22:19.080 --> 01:22:32.160]  We already filed an appeal just waiting for the judge to do his thing in the appeal.
[01:22:32.160 --> 01:22:36.440]  Because there was a shortage in that county of judges, they had to bring in other judges,
[01:22:36.440 --> 01:22:42.640]  so my relatives with the seat belt ticket might have a chance because I'm telling you
[01:22:42.640 --> 01:22:47.040]  that everybody always says, oh, this is the most corrupt county and you always say the
[01:22:47.040 --> 01:22:53.040]  same, which is true, that they're all corrupt, but nothing like this county.
[01:22:53.040 --> 01:22:58.480]  Sometime, I know you haven't got time, but sometime I would like to read you the transcript
[01:22:58.480 --> 01:22:59.680]  or send it to you.
[01:22:59.680 --> 01:23:03.040]  You have no idea of things that they did in it.
[01:23:03.040 --> 01:23:10.000]  It's just like Boss Hog, Louisville, and a Roscoe P. Coltrane on the Dukes of Hazard.
[01:23:10.000 --> 01:23:11.920]  I am not kidding.
[01:23:11.920 --> 01:23:12.920]  It makes...
[01:23:12.920 --> 01:23:15.320]  Roscoe P. Coltrane.
[01:23:15.320 --> 01:23:17.880]  I think I know that guy.
[01:23:17.880 --> 01:23:21.400]  I think he's a sheriff's deputy in Wise County.
[01:23:21.400 --> 01:23:30.680]  I had someone who used the term once, you're lying through your tooth, and I said, hey,
[01:23:30.680 --> 01:23:34.880]  man, don't talk that way about Philip.
[01:23:34.880 --> 01:23:37.600]  It's Roscoe P. Coltrane, right?
[01:23:37.600 --> 01:23:40.400]  And then there's Boss Hog, which is...
[01:23:40.400 --> 01:23:47.360]  I was in Wise County, Texas, or was, the county that I've lived in for 40 years.
[01:23:47.360 --> 01:23:57.200]  And when I first got there, we had a sheriff, Sheriff Rook Ramsey, look dressed just like
[01:23:57.200 --> 01:24:07.640]  Boss Hog, white suit, white stetson, stubby cigar, short, kind of dumpy, just like Boss
[01:24:07.640 --> 01:24:08.640]  Hog.
[01:24:08.640 --> 01:24:15.600]  Get in, Duke Boys, get in, Duke Boys, yeah, Roscoe, get in, Duke Boys.
[01:24:15.600 --> 01:24:23.560]  And he was, he did run that county, but to his credit, he didn't do it for money.
[01:24:23.560 --> 01:24:28.160]  He died flat broke.
[01:24:28.160 --> 01:24:31.000]  He did it for the right reason.
[01:24:31.000 --> 01:24:37.880]  He had me thrown through the top half of a screen door.
[01:24:37.880 --> 01:24:42.240]  I come down there and ask him before I can get a copy of the penal code.
[01:24:42.240 --> 01:24:44.760]  This is before I started all my research.
[01:24:44.760 --> 01:24:51.040]  And he's sitting there with that stubby cigar, and he reached up and pulled it out of his
[01:24:51.040 --> 01:24:52.040]  mouth.
[01:24:52.040 --> 01:24:56.320]  Well, why do you want a copy of the penal code?
[01:24:56.320 --> 01:25:02.400]  So that the next time I call down here to report a crime, and you tell me what I'm complaining
[01:25:02.400 --> 01:25:07.320]  about is not a crime, I'm going to bring my copy of the penal code down here and cram
[01:25:07.320 --> 01:25:08.320]  it up.
[01:25:08.320 --> 01:25:09.320]  You're behind.
[01:25:09.320 --> 01:25:15.040]  Long thing to say to Rook Ramsey.
[01:25:15.040 --> 01:25:20.760]  He had these two guys with scars on their knuckles pick me up and throw me through the
[01:25:20.760 --> 01:25:26.760]  top half of the screen door.
[01:25:26.760 --> 01:25:29.680]  That was an interesting interaction.
[01:25:29.680 --> 01:25:37.920]  Okay, so you're going after the judge and the police officer.
[01:25:37.920 --> 01:25:39.920]  What does that mean going after them?
[01:25:39.920 --> 01:25:42.680]  How are you going after them?
[01:25:42.680 --> 01:25:44.520]  That's why I wanted to talk to you.
[01:25:44.520 --> 01:25:48.480]  I have to count up the charges against them, and there's a lot of them from what I can
[01:25:48.480 --> 01:25:49.480]  see.
[01:25:49.480 --> 01:25:52.680]  There may be as many as eight or a dozen.
[01:25:52.680 --> 01:25:53.680]  Okay.
[01:25:53.680 --> 01:26:04.280]  I'm going to go to jurisimprudence.website and top in the middle, just below the name
[01:26:04.280 --> 01:26:10.680]  of the site and stuff, there's a link to Cherokee County.
[01:26:10.680 --> 01:26:18.880]  In that link, you'll get a bunch of folders, and one of them is complaints.
[01:26:18.880 --> 01:26:25.520]  In that folder, you've got a bunch of complaints, about 35 or so, but there's also an affidavit
[01:26:25.520 --> 01:26:26.520]  in there.
[01:26:26.520 --> 01:26:35.160]  Open that affidavit, and it will show you a really good way of structuring all these
[01:26:35.160 --> 01:26:37.360]  complaints together.
[01:26:37.360 --> 01:26:46.200]  I have this affidavit, and it says on this day at this time, this person acting in this
[01:26:46.200 --> 01:26:55.960]  clerk, acting in concert and collusion with the judge, committed the act of official oppression
[01:26:55.960 --> 01:27:00.600]  against me by the following, explain what they did.
[01:27:00.600 --> 01:27:06.440]  I actually write a criminal complaint, but it doesn't have the header and footer of a
[01:27:06.440 --> 01:27:07.440]  criminal complaint.
[01:27:07.440 --> 01:27:10.160]  It has the narrative.
[01:27:10.160 --> 01:27:14.840]  Then I go to the next thing that was done improperly.
[01:27:14.840 --> 01:27:20.440]  The judge acting in concert and collusion with the prosecuting attorney did this, and
[01:27:20.440 --> 01:27:21.440]  I go down.
[01:27:21.440 --> 01:27:28.880]  I have a timeline first, and then I build a statement of facts, and I walk down my statement
[01:27:28.880 --> 01:27:36.040]  of facts, creating this narrative of what went on and who did what and when and where.
[01:27:36.040 --> 01:27:45.040]  Then I write it in a voice knowing that I'm going to cut this section out and drop it
[01:27:45.040 --> 01:27:46.840]  inside a criminal complaint.
[01:27:46.840 --> 01:27:52.440]  I'm going to go to the first part where I accuse the clerk and the judge of acting
[01:27:52.440 --> 01:27:54.000]  in concert and collusion.
[01:27:54.000 --> 01:27:57.560]  I create a criminal complaint against the clerk and a criminal complaint against the
[01:27:57.560 --> 01:28:04.520]  judge, and I capture this second section out and put it in the complaint, and just walk
[01:28:04.520 --> 01:28:08.040]  down this thing, stitching these complaints together.
[01:28:08.040 --> 01:28:19.160]  What happens then is the judge or the grand jury reads my statement, my affidavit, my
[01:28:19.160 --> 01:28:25.640]  statement of what happened, and then they start looking at the complaints, and the verbiage
[01:28:25.640 --> 01:28:30.880]  in my statement exactly matches the verbiage in each complaint.
[01:28:30.880 --> 01:28:38.960]  This allows the grand jury to keep everything in order, everything in its place.
[01:28:38.960 --> 01:28:46.520]  It creates mental flow, and it causes them to read the same accusations more than one
[01:28:46.520 --> 01:28:50.600]  time, generally three or four times.
[01:28:50.600 --> 01:28:55.520]  It'll take them a little while to realize that each complaint on the same set of facts
[01:28:55.520 --> 01:28:57.520]  is the same.
[01:28:57.520 --> 01:29:03.360]  So they read my affidavit and then read the complaint against the clerk, they start reading
[01:29:03.360 --> 01:29:08.200]  the complaint against the judge, and they already know what it says, so I've got it stuck in
[01:29:08.200 --> 01:29:11.480]  their brain.
[01:29:11.480 --> 01:29:12.920]  So go look at that.
[01:29:12.920 --> 01:29:20.240]  That will tell you a good way to structure this, and this is so that you force the information
[01:29:20.240 --> 01:29:23.560]  into the mind of the reader.
[01:29:23.560 --> 01:29:28.480]  You tell them what you're going to tell them, and then you tell them, and then you tell them
[01:29:28.480 --> 01:29:33.560]  again, and it tends to stick, and it makes all the pieces fit together.
[01:29:33.560 --> 01:29:37.640]  The time they get through reading the complaints after they've read the affidavit, they pretty
[01:29:37.640 --> 01:29:40.040]  well understand what went on.
[01:29:40.040 --> 01:29:41.040]  Right.
[01:29:41.040 --> 01:29:43.160]  All right, let me read this.
[01:29:43.160 --> 01:29:46.840]  This is very, very short, and I've got to read the whole thing.
[01:29:46.840 --> 01:29:47.840]  You'll see why in a minute.
[01:29:47.840 --> 01:29:48.840]  It'll become very clear.
[01:29:48.840 --> 01:29:53.840]  It'll take about 30 seconds, 40 seconds, something like that.
[01:29:53.840 --> 01:29:54.840]  Hang on.
[01:29:54.840 --> 01:29:55.840]  We'll pick it up on the other side.
[01:29:55.840 --> 01:30:01.040]  Randy Kelton, we'll have our radio, we'll be right back.
[01:30:01.040 --> 01:30:05.600]  Drug smugglers have tried everything from submarines to catapults to get illegal drugs
[01:30:05.600 --> 01:30:10.480]  into the U.S., but their most recent method was so ingenious it only cost them a quarter
[01:30:10.480 --> 01:30:11.480]  of a shipment.
[01:30:11.480 --> 01:30:16.000]  I'm Dr. Katherine Albrecht, and I'll be right back to tell you what it was.
[01:30:16.000 --> 01:30:17.600]  Privacy is under attack.
[01:30:17.600 --> 01:30:21.200]  When you give up data about yourself, you'll never get it back again.
[01:30:21.200 --> 01:30:26.000]  And once your privacy is gone, you'll find your freedoms will start to vanish, too.
[01:30:26.000 --> 01:30:30.920]  So protect your rights, say no to surveillance, and keep your information to yourself.
[01:30:30.920 --> 01:30:33.760]  Privacy, it's worth hanging on to.
[01:30:33.760 --> 01:30:38.080]  This public service announcement is brought to you by StartPage.com, the private search
[01:30:38.080 --> 01:30:41.560]  engine alternative to Google, Yahoo, and Bing.
[01:30:41.560 --> 01:30:44.440]  Start over with StartPage.
[01:30:44.440 --> 01:30:49.280]  Mexican drug smugglers are always brainstorming new ways to outsmart the border patrol, but
[01:30:49.280 --> 01:30:52.160]  the recent exploits were the stuff of legend.
[01:30:52.160 --> 01:30:57.960]  The traffickers tunneled their way underground to 16-metered parking spaces in Nogales, Arizona
[01:30:57.960 --> 01:31:00.520]  and cut careful rectangles in the pavement.
[01:31:00.520 --> 01:31:05.880]  U.S. accomplices then parked false bottom cars above the holes, fed the parking meter,
[01:31:05.880 --> 01:31:08.120]  and stuffed the cars with drugs from below.
[01:31:08.120 --> 01:31:12.920]  Once the pavement plugs were back in place, the vehicles would cruise quietly away with
[01:31:12.920 --> 01:31:14.560]  nobody the wiser.
[01:31:14.560 --> 01:31:19.040]  Eventually, diligent deputies detained the digging desparados, and that was the end of
[01:31:19.040 --> 01:31:20.040]  drive-thru drugs.
[01:31:20.040 --> 01:31:30.800]  I'm Dr. Catherine Albrecht, more news and information at CatherineAlbrecht.com.
[01:31:30.800 --> 01:31:36.160]  This is Building 7, a 47-story skyscraper that fell on the afternoon of September 11.
[01:31:36.160 --> 01:31:38.320]  The government says that fire brought it down.
[01:31:38.320 --> 01:31:43.240]  Over 1,500 architects and engineers have concluded it was a controlled demolition.
[01:31:43.240 --> 01:31:47.240]  Over 6,000 of my fellow service members have given their lives, and thousands of my fellow
[01:31:47.240 --> 01:31:48.680]  force respondents have died.
[01:31:48.680 --> 01:31:52.560]  I'm not a conspiracy theorist, I'm a structural engineer, I'm a New York City correction officer,
[01:31:52.560 --> 01:31:57.240]  I'm an Air Force pilot, I'm a father who lost his son, we're Americans, and we deserve
[01:31:57.240 --> 01:31:58.240]  the truth.
[01:31:58.240 --> 01:32:01.240]  Go to RememberBuilding7.org today.
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[01:32:05.320 --> 01:32:09.000]  In today's America, we live in an us-against-them society, and if we the people are ever going
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[01:32:13.120 --> 01:32:15.960]  Among those rights are the right to travel freely from place to place, the right to
[01:32:15.960 --> 01:32:20.160]  act in our own private capacity, and most importantly, the right to due process of law.
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[01:33:03.120 --> 01:33:04.120]  Looking for some truth?
[01:33:04.120 --> 01:33:33.120]  You found it, LogosRadionetwork.com.
[01:33:34.120 --> 01:33:46.520]  Okay, we are back.
[01:33:46.520 --> 01:33:54.720]  Randy Kelton from Rule of Law Radio on this Friday, the first day of March, 2019.
[01:33:54.720 --> 01:34:00.680]  And we're talking to John in New York, and he's going to read us a story.
[01:34:00.680 --> 01:34:04.360]  Oh, wait a minute.
[01:34:04.360 --> 01:34:07.080]  I can hear you better if I unmute you.
[01:34:07.080 --> 01:34:08.680]  Okay, try again, John.
[01:34:08.680 --> 01:34:09.680]  Okay, that's good.
[01:34:09.680 --> 01:34:14.680]  Oh, I don't want to do what I did last night, but this phone puts itself into mute every
[01:34:14.680 --> 01:34:17.560]  once in a while, and I just love it.
[01:34:17.560 --> 01:34:21.480]  Anyway, I'm going after the judge and the cop, and I have to count up the charges against
[01:34:21.480 --> 01:34:22.480]  them.
[01:34:22.480 --> 01:34:27.680]  Is it true that every time the cop does something wrong and the judge is in compliance if he
[01:34:27.680 --> 01:34:29.480]  allows it?
[01:34:29.480 --> 01:34:33.840]  So is that one charge a piece, and then after that, it's concert and collusion?
[01:34:33.840 --> 01:34:40.600]  Now, is that just one charge, or are there some separate charges into that?
[01:34:40.600 --> 01:34:51.000]  Each action, if, how to explain this, each different thing that they do is a separate
[01:34:51.000 --> 01:34:52.000]  charge.
[01:34:52.000 --> 01:34:53.000]  Okay.
[01:34:53.000 --> 01:35:03.000]  I mean, if I shoot you, and then I rob from you, those are two different crimes.
[01:35:03.000 --> 01:35:06.000]  Right, two different crimes, right.
[01:35:06.000 --> 01:35:15.080]  Yeah, and if I got a buddy here who's standing by making sure you don't object, and he's
[01:35:15.080 --> 01:35:19.080]  acting in concert and collusion, and he's equally culpable.
[01:35:19.080 --> 01:35:23.960]  So each one has two charges, plus there's a concert and collusion charge.
[01:35:23.960 --> 01:35:29.880]  So that's one charge a piece, and then one more charge of acting in concert.
[01:35:29.880 --> 01:35:35.760]  Yep, and criminal conspiracy, because you can imply conspiracy.
[01:35:35.760 --> 01:35:41.000]  If they worked in concert and collusion, you can imply that they committed criminal conspiracy,
[01:35:41.000 --> 01:35:44.400]  and that would be an ex parte communication.
[01:35:44.400 --> 01:35:47.160]  So is that three charges between the two of them?
[01:35:47.160 --> 01:35:51.280]  Yeah, you can make them, and they're going to try to hide all of them.
[01:35:51.280 --> 01:35:52.280]  We don't care.
[01:35:52.280 --> 01:35:53.280]  Okay.
[01:35:53.280 --> 01:35:58.760]  Then we go after the ones that try to protect the judge.
[01:35:58.760 --> 01:36:00.080]  Right.
[01:36:00.080 --> 01:36:07.240]  But you have to then, okay, make sure everything is verified, make sure you have a statement
[01:36:07.240 --> 01:36:16.000]  of facts that covers all of them, and it's all in a separate statement, and oh good,
[01:36:16.000 --> 01:36:17.880]  you got the transcript.
[01:36:17.880 --> 01:36:18.880]  That's perfect.
[01:36:18.880 --> 01:36:19.880]  Oh yeah.
[01:36:19.880 --> 01:36:22.920]  Okay, here we go.
[01:36:22.920 --> 01:36:27.680]  So it is true then, and the cop does something wrong, and the judge allows it.
[01:36:27.680 --> 01:36:34.320]  That means that the judge is in compliance, and the cop did the wrong thing, the judge
[01:36:34.320 --> 01:36:42.040]  allowed it, and so they're both guilty of the same bad thing that the cop said or did.
[01:36:42.040 --> 01:36:43.040]  Am I wrong?
[01:36:43.040 --> 01:36:44.040]  Yes.
[01:36:44.040 --> 01:36:50.640]  The judge is the one that facilitated the commission, it's like he drove the getaway
[01:36:50.640 --> 01:36:51.640]  car.
[01:36:51.640 --> 01:36:52.640]  Right, right.
[01:36:52.640 --> 01:36:53.640]  Okay.
[01:36:53.640 --> 01:36:54.640]  All right.
[01:36:54.640 --> 01:36:55.640]  Here we go.
[01:36:55.640 --> 01:36:58.880]  The judge is in compliance, he allows it, that's one charge a piece.
[01:36:58.880 --> 01:37:01.480]  The seat belt, it could trial, read just like that.
[01:37:01.480 --> 01:37:02.480]  Wait a minute.
[01:37:02.480 --> 01:37:03.480]  You're saying compliance.
[01:37:03.480 --> 01:37:05.480]  No, he's in collusion.
[01:37:05.480 --> 01:37:07.480]  Collusion, collusion.
[01:37:07.480 --> 01:37:08.480]  Okay.
[01:37:08.480 --> 01:37:10.480]  Not compliance, but collusion.
[01:37:10.480 --> 01:37:11.480]  Yes.
[01:37:11.480 --> 01:37:12.480]  Okay.
[01:37:12.480 --> 01:37:13.480]  Go ahead.
[01:37:13.480 --> 01:37:14.480]  All right.
[01:37:14.480 --> 01:37:18.560]  It's just like the dukes it has, and I don't have them all, one of these days I'll put
[01:37:18.560 --> 01:37:23.640]  them all together, there's so many that I just took the top ones off the top of my head.
[01:37:23.640 --> 01:37:28.920]  Now the ticket says no seat belt, then the cop said he was wearing it, but he was wearing
[01:37:28.920 --> 01:37:33.440]  it wrong.
[01:37:33.440 --> 01:37:38.160]  So the Sixth Amendment was violated because he changed the material fact and not noticed
[01:37:38.160 --> 01:37:43.000]  the defendant properly as to the nature and cause, and the judge allowed it.
[01:37:43.000 --> 01:37:50.360]  Now I got that right so far, I hope, then the cop contradicted himself and the judge
[01:37:50.360 --> 01:37:51.360]  allowed it.
[01:37:51.360 --> 01:37:52.360]  Okay.
[01:37:52.360 --> 01:38:02.000]  The way the way perjury works is it doesn't matter which statement is false.
[01:38:02.000 --> 01:38:09.840]  If the witness gives contradictory statements such that one must necessarily be false for
[01:38:09.840 --> 01:38:16.200]  the other to be true, then that's sufficient to establish the crime.
[01:38:16.200 --> 01:38:24.080]  So that would be, again, the crime is perjury.
[01:38:24.080 --> 01:38:25.080]  Aggravated perjury.
[01:38:25.080 --> 01:38:30.000]  The first degree aggravated perjury, right?
[01:38:30.000 --> 01:38:38.120]  I don't think aggravated perjury has a degree, you just perjury and aggravated perjury.
[01:38:38.120 --> 01:38:42.320]  Now is it perjury and aggravated perjury or just aggravated perjury?
[01:38:42.320 --> 01:38:47.760]  No, no, either one or the other.
[01:38:47.760 --> 01:38:52.280]  Perjury will come in one of two varieties, perjury or aggravated perjury.
[01:38:52.280 --> 01:38:53.840]  This is aggravated?
[01:38:53.840 --> 01:38:59.000]  Yeah, you look up how New York addresses them.
[01:38:59.000 --> 01:39:00.000]  Okay.
[01:39:00.000 --> 01:39:01.240]  All right, then.
[01:39:01.240 --> 01:39:09.400]  So I'm a little confused because, and you'll see what I mean in a minute, the ticket says
[01:39:09.400 --> 01:39:12.120]  no seat belt and the cop said, well, he was wearing it.
[01:39:12.120 --> 01:39:16.960]  It was later determined, he may have been, the exact words were, it was later determined
[01:39:16.960 --> 01:39:21.640]  he may have been wearing it, but he was wearing it raw.
[01:39:21.640 --> 01:39:27.080]  And so the Sixth Amendment was violated because nature and cause, it wasn't properly done.
[01:39:27.080 --> 01:39:29.880]  You don't spring on somebody in the middle of the courtroom.
[01:39:29.880 --> 01:39:34.080]  So nature and cause, what just wasn't followed.
[01:39:34.080 --> 01:39:39.200]  And the cop, since the cop contradicted himself and the judge allowed it, the judge is guilty.
[01:39:39.200 --> 01:39:42.040]  The judge said guilty of not wearing the seat belt.
[01:39:42.040 --> 01:39:47.680]  That was what he was not guilty of, but he still allowed the cop to say it in court.
[01:39:47.680 --> 01:39:50.800]  That's not what he was convicted of not wearing it properly.
[01:39:50.800 --> 01:39:53.800]  The judge said guilty of not wearing your seat belt.
[01:39:53.800 --> 01:39:54.800]  Okay.
[01:39:54.800 --> 01:39:59.680]  So, but the cop allowed the cop, the judge allowed the cop to contradict himself.
[01:39:59.680 --> 01:40:01.680]  The judge allowed it.
[01:40:01.680 --> 01:40:08.920]  And that, well, even, even so, the fact that he was wearing it improperly was not relevant.
[01:40:08.920 --> 01:40:11.560]  He wasn't charged with not wearing it properly.
[01:40:11.560 --> 01:40:12.560]  Right.
[01:40:12.560 --> 01:40:15.680]  He was charged with not wearing it.
[01:40:15.680 --> 01:40:16.680]  Right.
[01:40:16.680 --> 01:40:22.320]  Oh, and you're going to love this because there's case law that says, you don't say
[01:40:22.320 --> 01:40:25.600]  whether or not he was wearing it this way, that way, or the other way.
[01:40:25.600 --> 01:40:26.600]  Okay.
[01:40:26.600 --> 01:40:27.600]  I'll get to that in a second.
[01:40:27.600 --> 01:40:32.080]  So then the cop said he wore the belt wrong.
[01:40:32.080 --> 01:40:38.360]  There's a New York state case law in Watertown, New York, and several other places proving
[01:40:38.360 --> 01:40:42.640]  that there's no such thing as wearing it wrong law in New York state.
[01:40:42.640 --> 01:40:46.480]  It just says you have to be restrained by the seat belt.
[01:40:46.480 --> 01:40:50.880]  It doesn't get into the how and the why and the where and the who and where you got to
[01:40:50.880 --> 01:40:51.880]  have this part of the belt.
[01:40:51.880 --> 01:40:53.880]  And the other part of the belt.
[01:40:53.880 --> 01:40:59.240]  And the Watertown, New York judge dismissed the case based on that information that the
[01:40:59.240 --> 01:41:05.640]  law is very vague and the cop was trying to read into the law and write the law from the
[01:41:05.640 --> 01:41:06.640]  patrol car.
[01:41:06.640 --> 01:41:09.360]  And of course, the judge went along with it.
[01:41:09.360 --> 01:41:11.560]  So he was doing that too.
[01:41:11.560 --> 01:41:15.240]  And it's a, so anyway, I'll explain a little bit better.
[01:41:15.240 --> 01:41:18.360]  And this has taken longer because I keep explaining things.
[01:41:18.360 --> 01:41:21.000]  Maybe I should just read it and forget about it.
[01:41:21.000 --> 01:41:22.000]  All right.
[01:41:22.000 --> 01:41:23.280]  The cop said he wore the belt wrong.
[01:41:23.280 --> 01:41:28.880]  There's New York state case law from other cases in traffic court, like in Watertown,
[01:41:28.880 --> 01:41:33.040]  New York, where wearing it wrong doesn't enter into it.
[01:41:33.040 --> 01:41:35.200]  And the judge said so.
[01:41:35.200 --> 01:41:42.920]  And the law and New York state judges, oh, the other New York state judges in other city
[01:41:42.920 --> 01:41:49.920]  or village courts either they dismissed the other people's belt tickets because they
[01:41:49.920 --> 01:41:52.640]  agreed that the belt law is vague.
[01:41:52.640 --> 01:41:57.760]  It just says driver must be restrained and the judge allowed that to happen in this particular
[01:41:57.760 --> 01:41:58.760]  case.
[01:41:58.760 --> 01:42:03.880]  So wouldn't that be a class A misdemeanor and what to charge the cop with for prosecuting
[01:42:03.880 --> 01:42:08.120]  the defendant with a phony law that doesn't exist on the books?
[01:42:08.120 --> 01:42:15.400]  And then the third part is affidavit of service says it's a cop when he made the...
[01:42:15.400 --> 01:42:20.120]  Hold on, you asked a question and then just cruised right past it.
[01:42:20.120 --> 01:42:22.480]  No, I say it again.
[01:42:22.480 --> 01:42:27.080]  Prosecuting for a crime that's not defined as a crime.
[01:42:27.080 --> 01:42:28.080]  Right.
[01:42:28.080 --> 01:42:30.280]  That's exactly what it is.
[01:42:30.280 --> 01:42:32.480]  Simulating a legal process.
[01:42:32.480 --> 01:42:33.480]  We have that in Texas.
[01:42:33.480 --> 01:42:40.400]  I don't know if you have exactly that statute in New York, but you'll have something similar.
[01:42:40.400 --> 01:42:41.400]  Okay.
[01:42:41.400 --> 01:42:47.200]  Would an attorney, would an attorney know what to, how to call that in New York state?
[01:42:47.200 --> 01:42:49.040]  He would think so, right?
[01:42:49.040 --> 01:42:50.040]  Not a chance.
[01:42:50.040 --> 01:42:52.400]  Oh, the attorney won't know?
[01:42:52.400 --> 01:42:56.520]  He may know, but he's not going to tell you he knows.
[01:42:56.520 --> 01:42:59.920]  You're talking about going after judges and police officers and they are not going to
[01:42:59.920 --> 01:43:00.920]  go there.
[01:43:00.920 --> 01:43:01.920]  Okay.
[01:43:01.920 --> 01:43:05.440]  Even a relative that's a lawyer?
[01:43:05.440 --> 01:43:09.320]  This doesn't need, no, don't ask a relative to do that.
[01:43:09.320 --> 01:43:11.680]  Well, no, just to tell me.
[01:43:11.680 --> 01:43:12.680]  I'm not asking him to do it.
[01:43:12.680 --> 01:43:13.680]  I'll do it myself.
[01:43:13.680 --> 01:43:19.720]  Yeah, the lawyer, he can tell you, but she's not going to want to get into that.
[01:43:19.720 --> 01:43:26.680]  You know, just the lawyer just giving you legal advice can bind her.
[01:43:26.680 --> 01:43:27.680]  Okay.
[01:43:27.680 --> 01:43:28.680]  Wow.
[01:43:28.680 --> 01:43:34.120]  If you have a relative who's a lawyer, be very careful with them.
[01:43:34.120 --> 01:43:37.880]  Don't ask them to do something that could damage their career.
[01:43:37.880 --> 01:43:39.880]  Okay.
[01:43:39.880 --> 01:43:40.880]  I understand.
[01:43:40.880 --> 01:43:41.880]  Yeah.
[01:43:41.880 --> 01:43:45.280]  When you go after judges' cops, that labels you about renegade.
[01:43:45.280 --> 01:43:50.400]  When you do that, you want to keep the lawyer at arm's length.
[01:43:50.400 --> 01:43:52.840]  Oh, yeah, yeah, yeah.
[01:43:52.840 --> 01:43:53.840]  Okay.
[01:43:53.840 --> 01:43:56.160]  Yeah, I've got a lawyer friend.
[01:43:56.160 --> 01:44:00.680]  It's a relative of getting 50 miles away.
[01:44:00.680 --> 01:44:05.320]  Through advances in technology, our lives have greatly improved, except in the area
[01:44:05.320 --> 01:44:06.720]  of nutrition.
[01:44:06.720 --> 01:44:11.440]  People feed their pets better than they feed themselves, and it's time we changed all that.
[01:44:11.440 --> 01:44:17.720]  Our primary defense against aging and disease in this toxic environment is good nutrition.
[01:44:17.720 --> 01:44:22.520]  In a world where natural foods have been irradiated, adulterated, and mutilated, young
[01:44:22.520 --> 01:44:25.960]  Jevity can provide the nutrients you need.
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[01:46:26.480 --> 01:46:28.480]  Okay, we are back.
[01:46:28.480 --> 01:46:34.480]  Randy Kelton, LulavLaw Radio on this Friday, the first day of March, 2019.
[01:46:34.480 --> 01:46:36.480]  Okay, go ahead, John.
[01:46:36.480 --> 01:46:41.480]  Uh-oh, I just was complaining, you ran off the cliff.
[01:46:41.480 --> 01:46:43.480]  Yeah, I guess I did.
[01:46:43.480 --> 01:46:46.480]  I can help you with that, so it doesn't happen.
[01:46:46.480 --> 01:46:52.480]  Because if you're looking for investors, they're going to be, you know, it's harder to sell a show
[01:46:52.480 --> 01:46:55.480]  when you run off the cliff than if you don't run off the cliff.
[01:46:55.480 --> 01:46:56.480]  I can help you with that.
[01:46:56.480 --> 01:46:58.480]  I only spent 40 years in the business.
[01:46:58.480 --> 01:47:01.480]  Well, we have a technical issue.
[01:47:01.480 --> 01:47:07.480]  You can hear the bumper music, but I can't.
[01:47:07.480 --> 01:47:15.480]  If she feeds the bumper music to me loud enough that I can hear it over your talking,
[01:47:15.480 --> 01:47:17.480]  then it gets too loud.
[01:47:17.480 --> 01:47:21.480]  So it's an issue that we just haven't worked out yet.
[01:47:21.480 --> 01:47:25.480]  Okay, well, we worked it out where I was from day one.
[01:47:25.480 --> 01:47:28.480]  I can help you with that.
[01:47:28.480 --> 01:47:31.480]  Okay, you'll have to talk to Deborah about that.
[01:47:31.480 --> 01:47:33.480]  I don't touch.
[01:47:33.480 --> 01:47:36.480]  She wrote all the code for this show.
[01:47:36.480 --> 01:47:38.480]  Oh, see, there's your problem right there.
[01:47:38.480 --> 01:47:40.480]  Okay, that's your problem right there.
[01:47:40.480 --> 01:47:43.480]  I'll get into that sometime off the phone if you want.
[01:47:43.480 --> 01:47:44.480]  I can help you with that.
[01:47:44.480 --> 01:47:50.480]  Okay, the problem that we were having with the bumper music and that, that's the call bridge.
[01:47:50.480 --> 01:47:53.480]  And that's not something that she gets to control.
[01:47:53.480 --> 01:47:55.480]  This is West Perkins.
[01:47:55.480 --> 01:47:59.480]  He's the West Perkins works for Alex Jones.
[01:47:59.480 --> 01:48:01.480]  He's the head engineer for Alex Jones.
[01:48:01.480 --> 01:48:08.480]  He actually, the call boards and that that we're using West Perkins has.
[01:48:08.480 --> 01:48:13.480]  And he uses these with Alex Jones show and such.
[01:48:13.480 --> 01:48:15.480]  So we can't mess with them.
[01:48:15.480 --> 01:48:19.480]  So we're kind of stuck with what we got there.
[01:48:19.480 --> 01:48:22.480]  Yeah, you're using their equipment.
[01:48:22.480 --> 01:48:28.480]  Yeah, this is not an easy problem for us to fix or we'd have fixed a long time ago.
[01:48:28.480 --> 01:48:30.480]  Right, right.
[01:48:30.480 --> 01:48:32.480]  All right, go ahead.
[01:48:32.480 --> 01:48:36.480]  Okay, here we go.
[01:48:36.480 --> 01:48:41.480]  Now, so there's the original charge, the seatbelt ticket.
[01:48:41.480 --> 01:48:43.480]  It says no seatbelt ticket.
[01:48:43.480 --> 01:48:52.480]  It changes what he says and he violates the sixth amendment and the judge allowed that.
[01:48:52.480 --> 01:49:00.480]  And the defendant wasn't allowed to know nature and cause properly in a timely fashion.
[01:49:00.480 --> 01:49:04.480]  You don't do it in the middle of courtroom.
[01:49:04.480 --> 01:49:15.480]  And let's see, the affidavit of service is what the cop fills out and swears to just like in the court of law.
[01:49:15.480 --> 01:49:21.480]  He swears to the, to the, to perjury.
[01:49:21.480 --> 01:49:26.480]  He that he nailed the deposition to the defendant.
[01:49:26.480 --> 01:49:30.480]  Well, of course, the defendant never got the deposition.
[01:49:30.480 --> 01:49:38.480]  Then in court, he says, well, first thing on the, on the affidavit of service, it says the cop did that.
[01:49:38.480 --> 01:49:40.480]  He, he mailed it.
[01:49:40.480 --> 01:49:46.480]  Then in court, unless we're misunderstanding that, then in court, it says the village mail.
[01:49:46.480 --> 01:49:48.480]  He says, well, the village mailed it.
[01:49:48.480 --> 01:49:52.480]  And then he stated, he stated, obviously, I don't do the mail.
[01:49:52.480 --> 01:49:58.480]  Well, first, we got the impression that with the affidavit of service that he did the mail.
[01:49:58.480 --> 01:50:01.480]  And now he's saying, obviously, I don't do the mail.
[01:50:01.480 --> 01:50:02.480]  Okay.
[01:50:02.480 --> 01:50:04.480]  That's an irrelevant argument.
[01:50:04.480 --> 01:50:06.480]  That won't get you anywhere.
[01:50:06.480 --> 01:50:07.480]  All right.
[01:50:07.480 --> 01:50:08.480]  Gotcha.
[01:50:08.480 --> 01:50:09.480]  And the judge allowed that, et cetera.
[01:50:09.480 --> 01:50:10.480]  Okay.
[01:50:10.480 --> 01:50:11.480]  Um, first cut.
[01:50:11.480 --> 01:50:13.480]  Oh, then the cop.
[01:50:13.480 --> 01:50:15.480]  Now, I know this is relevant.
[01:50:15.480 --> 01:50:18.480]  Then the cop said that the shoulder harness.
[01:50:18.480 --> 01:50:21.480]  But first, again, the ticket is no seatbelt.
[01:50:21.480 --> 01:50:26.480]  Then he gets to court and he says, well, it was later determined that he.
[01:50:26.480 --> 01:50:28.480]  We got, we got that.
[01:50:28.480 --> 01:50:31.480]  Objects redundant.
[01:50:31.480 --> 01:50:32.480]  There's more.
[01:50:32.480 --> 01:50:33.480]  No, there's more.
[01:50:33.480 --> 01:50:35.480]  You'll see in a minute.
[01:50:35.480 --> 01:50:40.480]  First cop, first the cop said the shoulder harness was under the defendant's arm.
[01:50:40.480 --> 01:50:49.480]  Then in court, later he goes, well, I couldn't see the shoulder harness very well from where I was.
[01:50:49.480 --> 01:50:53.480]  And, and this is, I believe this is almost word for word in me.
[01:50:53.480 --> 01:50:56.480]  And if not, it's the paraphrased meaning.
[01:50:56.480 --> 01:50:58.480]  It's in the transcript.
[01:50:58.480 --> 01:51:04.480]  Then he later says, well, I couldn't really see it that well from where I was standing.
[01:51:04.480 --> 01:51:07.480]  And what do you call that?
[01:51:07.480 --> 01:51:11.480]  Is that contradicting himself?
[01:51:11.480 --> 01:51:14.480]  No, not exactly.
[01:51:14.480 --> 01:51:17.480]  He didn't say I couldn't see it from where I was standing.
[01:51:17.480 --> 01:51:20.480]  He said, I couldn't see it very well.
[01:51:20.480 --> 01:51:21.480]  All right.
[01:51:21.480 --> 01:51:22.480]  I'll make sure.
[01:51:22.480 --> 01:51:28.480]  Now, if he says I couldn't see it from where I was standing, and that's total zero, in other words.
[01:51:28.480 --> 01:51:31.480]  If he said I could not see it, that would be one thing.
[01:51:31.480 --> 01:51:36.480]  But if I could not see it very well, that's a different issue.
[01:51:36.480 --> 01:51:44.480]  So now you have to determine whether or not he saw it well enough to make the testimony that he made.
[01:51:44.480 --> 01:51:45.480]  Okay.
[01:51:45.480 --> 01:51:46.480]  Then I can help you there.
[01:51:46.480 --> 01:51:52.480]  He shot himself in the foot again when he's sitting six feet away from the defendant.
[01:51:52.480 --> 01:51:56.480]  And he looks at the defendant and he goes, well, I saw you with the seat belt, blah, blah, blah.
[01:51:56.480 --> 01:52:00.480]  Just like I'm sitting here and I see that you've got black hair.
[01:52:00.480 --> 01:52:04.480]  The defendant goes, I've got brown hair.
[01:52:04.480 --> 01:52:10.480]  The cop goes, well, I need better vision.
[01:52:10.480 --> 01:52:11.480]  Okay.
[01:52:11.480 --> 01:52:14.480]  That's something for an appellate court.
[01:52:14.480 --> 01:52:17.480]  That's not criminals.
[01:52:17.480 --> 01:52:18.480]  Okay.
[01:52:18.480 --> 01:52:19.480]  All right.
[01:52:19.480 --> 01:52:20.480]  All right.
[01:52:20.480 --> 01:52:24.480]  So at least we got the first part of that, don't we?
[01:52:24.480 --> 01:52:27.480]  Yeah, we might.
[01:52:27.480 --> 01:52:30.480]  It might be a way to hammer the officer.
[01:52:30.480 --> 01:52:43.480]  If the officer has a vision issue, you might ask that he be required to wear corrective lenses or be removed as incompetent based on medical disability.
[01:52:43.480 --> 01:52:44.480]  Yeah.
[01:52:44.480 --> 01:52:59.480]  If his disability would cause him to perpetrate a false prosecution, that should be sufficient to have him removed from office.
[01:52:59.480 --> 01:53:01.480]  So the police officer.
[01:53:01.480 --> 01:53:02.480]  Yeah.
[01:53:02.480 --> 01:53:03.480]  Yeah.
[01:53:03.480 --> 01:53:04.480]  All right.
[01:53:04.480 --> 01:53:09.480]  So just go after that one thing and never mind adding up all the other charges and blah, blah, blah.
[01:53:09.480 --> 01:53:12.480]  Yeah, you only.
[01:53:12.480 --> 01:53:16.480]  You don't charge him with something that doesn't matter.
[01:53:16.480 --> 01:53:17.480]  Okay.
[01:53:17.480 --> 01:53:27.480]  And, you know, the difference between perjury and mistake is sometimes subtle, but it's significant.
[01:53:27.480 --> 01:53:28.480]  All right.
[01:53:28.480 --> 01:53:37.480]  And if you try to go to every tiny little thing that you can squeeze out of it, then you lose a lot of credibility.
[01:53:37.480 --> 01:53:38.480]  Okay.
[01:53:38.480 --> 01:53:45.480]  I make a lot of criminal accusations, but I only make them when they're absolutely dead.
[01:53:45.480 --> 01:53:46.480]  Bang.
[01:53:46.480 --> 01:53:47.480]  Okay.
[01:53:47.480 --> 01:53:48.480]  Got it.
[01:53:48.480 --> 01:53:49.480]  All right.
[01:53:49.480 --> 01:53:53.480]  Now, let's see.
[01:53:53.480 --> 01:53:55.480]  What else was I going to tell you?
[01:53:55.480 --> 01:53:56.480]  All right.
[01:53:56.480 --> 01:54:00.480]  Oh, so it's acting in concert, right?
[01:54:00.480 --> 01:54:04.480]  Now, you told me it's not the word up here I had.
[01:54:04.480 --> 01:54:05.480]  Let's see.
[01:54:05.480 --> 01:54:06.480]  Hold on.
[01:54:06.480 --> 01:54:09.480]  It's not in compliance, but it's acting in collusion.
[01:54:09.480 --> 01:54:10.480]  Is that correct?
[01:54:10.480 --> 01:54:12.480]  It's concert and collusion.
[01:54:12.480 --> 01:54:15.480]  Well, it's acting in concert and collusion.
[01:54:15.480 --> 01:54:16.480]  All right.
[01:54:16.480 --> 01:54:17.480]  Got it.
[01:54:17.480 --> 01:54:19.480]  Now, I have one quick thing to mention.
[01:54:19.480 --> 01:54:21.480]  Remember Virginia's foreclosure?
[01:54:21.480 --> 01:54:23.480]  I did exactly what you said.
[01:54:23.480 --> 01:54:24.480]  I checked in with Ian.
[01:54:24.480 --> 01:54:25.480]  I can't remember.
[01:54:25.480 --> 01:54:29.480]  I think it was the bad grandma or was it Tina that you told me to check in with?
[01:54:29.480 --> 01:54:30.480]  I can't remember.
[01:54:30.480 --> 01:54:35.480]  Oh, no, I think I referred you to, I don't remember.
[01:54:35.480 --> 01:54:38.480]  Yeah, I know how you talk to Tina.
[01:54:38.480 --> 01:54:40.480]  Okay, go ahead.
[01:54:40.480 --> 01:54:44.480]  Well, I checked in with either one of them or both of them, I guess.
[01:54:44.480 --> 01:54:52.480]  And they told me that what Joe Esquivel, Joe Esquivel told me was wrong.
[01:54:52.480 --> 01:54:58.480]  Joe said, and so they're saying, they're telling me what Joe, they didn't name him by name.
[01:54:58.480 --> 01:55:02.480]  I didn't say his name was, but they basically told me what he said was wrong.
[01:55:02.480 --> 01:55:06.480]  Joe said that the bank sold the loan to Ginny May.
[01:55:06.480 --> 01:55:12.480]  And grandma, bad grandma told me it wasn't really sold without having the paperwork.
[01:55:12.480 --> 01:55:15.480]  It was just collateralized.
[01:55:15.480 --> 01:55:18.480]  So I would have a hard time going after the bank.
[01:55:18.480 --> 01:55:19.480]  Now, who's right?
[01:55:19.480 --> 01:55:28.480]  Is Joe Esquivel right or is the bad grandma right that the bank did not sell to the Ginny May?
[01:55:28.480 --> 01:55:30.480]  They only collateralized the loan.
[01:55:30.480 --> 01:55:36.480]  I think maybe Leslie's using the confusing term.
[01:55:36.480 --> 01:55:44.480]  Apparently what Ginny May does is they indemnify the mortgage.
[01:55:44.480 --> 01:55:47.480]  They insure the mortgage.
[01:55:47.480 --> 01:55:50.480]  They don't take possession.
[01:55:50.480 --> 01:55:59.480]  So in other words, what bad grandma was telling me was right and Joe assumed that they had sold the loan
[01:55:59.480 --> 01:56:00.480]  and they really didn't.
[01:56:00.480 --> 01:56:02.480]  Is that what you're saying?
[01:56:02.480 --> 01:56:05.480]  Yes, but then I don't know.
[01:56:05.480 --> 01:56:07.480]  I don't know the specifics.
[01:56:07.480 --> 01:56:08.480]  Right.
[01:56:08.480 --> 01:56:11.480]  It's a subtle area.
[01:56:11.480 --> 01:56:15.480]  Leslie's done a lot of research in this particular area.
[01:56:15.480 --> 01:56:20.480]  So if I had to defer to one, I would defer to Leslie.
[01:56:20.480 --> 01:56:22.480]  And not Joe?
[01:56:22.480 --> 01:56:24.480]  Yes.
[01:56:24.480 --> 01:56:32.480]  Yes, she said that it could be hung up for a long time, you waste your money, and you might not get where you're trying to go.
[01:56:32.480 --> 01:56:41.480]  So that means that Virginia can't sue the bank for three times the loan in this particular case, can she?
[01:56:41.480 --> 01:56:51.480]  Unless she does what you were talking about earlier with Tina and that shows that the HUD 1 settlement statement
[01:56:51.480 --> 01:56:59.480]  and you pull up those papers, what they told you you were paying in terms of a monthly payment
[01:56:59.480 --> 01:57:02.480]  and what you should have been paying are two different things.
[01:57:02.480 --> 01:57:06.480]  And that's one reason why you couldn't pay your loan because they overcharged you.
[01:57:06.480 --> 01:57:07.480]  Exactly.
[01:57:07.480 --> 01:57:09.480]  That's a good claim to make.
[01:57:09.480 --> 01:57:17.480]  So if you want to give me the documentation, I'll get you the spreadsheet and I'll explain how to fill it in.
[01:57:17.480 --> 01:57:18.480]  Okay.
[01:57:18.480 --> 01:57:20.480]  What do I need to give you?
[01:57:20.480 --> 01:57:23.480]  The HUD 1 settlement statement?
[01:57:23.480 --> 01:57:39.480]  What you need to get is the note, HUD 1 settlement statement, truth and lending statement, and a good faith estimate if you have it, and a mortgage.
[01:57:39.480 --> 01:57:40.480]  Okay.
[01:57:40.480 --> 01:57:43.480]  Say that one more time and then I'll tell you I already did that.
[01:57:43.480 --> 01:57:45.480]  I already gave that to you at one time.
[01:57:45.480 --> 01:57:47.480]  So I can give it to you again?
[01:57:47.480 --> 01:57:48.480]  All right.
[01:57:48.480 --> 01:57:49.480]  Yes.
[01:57:49.480 --> 01:57:51.480]  Actually, I'm not going to fill this in.
[01:57:51.480 --> 01:57:55.480]  I'm going to send a spreadsheet to you and you fill it in.
[01:57:55.480 --> 01:57:56.480]  Okay.
[01:57:56.480 --> 01:58:02.480]  You'll tell me what to do, what I'm filling in because I have no idea what you put on a spreadsheet.
[01:58:02.480 --> 01:58:10.480]  You fill in sheet 1 column C, sheet 2 is HUD 1 settlement statement.
[01:58:10.480 --> 01:58:11.480]  Okay.
[01:58:11.480 --> 01:58:12.480]  That didn't come through.
[01:58:12.480 --> 01:58:13.480]  It came through garbled.
[01:58:13.480 --> 01:58:15.480]  Say it again.
[01:58:15.480 --> 01:58:20.480]  The first page of the spreadsheet, column C, fill it out.
[01:58:20.480 --> 01:58:22.480]  It's real obvious.
[01:58:22.480 --> 01:58:28.480]  Column B says name, first, middle, last, address.
[01:58:28.480 --> 01:58:33.480]  It's real obvious what it's asking for and you put that information in.
[01:58:33.480 --> 01:58:34.480]  Right.
[01:58:34.480 --> 01:58:41.480]  And then you go to the next page, the next sheet, and it is, I have a HUD 1 settlement statement there.
[01:58:41.480 --> 01:58:46.480]  You fill in the amounts and call me.
[01:58:46.480 --> 01:58:48.480]  I'll explain it to you.
[01:58:48.480 --> 01:58:49.480]  Okay.
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