WASHINGTON JUDGE RULING AGAINST OCWEN

WASHINGTON STATE: ATTENTION IF YOUR MORTGAGE IS SERVICED BY OCWEN LOAN SERVICING, LLC!! (STATEWIDE)

On 12/10/2013, the Washington Attorney General entered into a Consent Judgment with OCWEN FINANCIAL who owns one of the largest, most abusive Loan Servicers in the nation, OCWEN LOAN SERVICING, LLC. William Erbey is the CEO of OCWEN. The Consent Agreement was intended to stop mortgage foreclosure and loan servicing abuses by OCWEN, and OCWEN agreed to help homeowners with cash payments, modifications, and/or offer principal reductions. Here are some of the allegations in the settlement:

Failed to promptly and accurately apply payments made by borrowers or to maintain accurate account statements.
Charged unauthorized fees for default-related services.
Gave false or misleading information to borrowers on loans that had been transferred from other servicers.
On transferred loans with in-process trial and permanent modifications, deceptively sought to collect payments from consumer under the mortgage's original unmodified terms.
Failed to provide correct and timely information to borrowers seeking information about loss mitigation services, including loan modifications.
Improperly denied loan modification relief to eligible borrowers.
Gave false or misleading reasons for loan modification denials.
Robo-signed affidavits in foreclosure proceedings.
Imposed force-placed insurance when the servicers knew or should have known borrowers had adequate coverage.
Source: Consumer Financial Protection Bureau

Do not hand over your keys to these scumbag OCWEN Loan Servicers and the Seattle Attorneys who represent them, Routh Crabtree Olsen, P.S. (RCO, P.S.) and/or Houser & Allison. OCWEN is a 3rd party debt collector who simply services your mortgage for the true Note Holder. The attorneys representing OCWEN and the Bank Trustee are also 3rd party debt collectors. Your mortgage contract was not with OCWEN or the Bank Trustee, and likely had a completely different originating Lender. Your Note cannot be "Assigned" by "MERS" (See your Deed of Trust for MERS language) or OCWEN LOAN SERVICING as they do not hold or own your mortgage documents. OCWEN has no rights in your property. In this mortgage era where your Note has been bought and sold on the open market an average of 4 - 12 times, no one really knows who owns or holds your NOTE! Lots of copies of Notes are being floated around but ask for proof of the ORIGINAL signed Note! Unless someone pops up with the ORIGINAL wet ink NOTE and says "I hold it", no entity or individual is entitled by law to foreclose on your home and property! For more information about this please read the blog articles in the Nationwide Defense Network website and attorney Jeff Barnes's efforts on behalf of homeowners. You will learn all there is to know to educate yourself about mortgage origination, securitization and foreclosure scam by big banks and loan servicers since about the mid-2000s. You will learn about all of the important foreclosure legal decisions in the country.

http://www.wzzm13.com/story/news/investigations/13-on-your-side/watchdog/2014/05/05/ocwen-mortgages-foreclosure/8560033/

Also, see the OCWEN SETTLEMENT AGREEMENT signed around by the 50-state attorney generals and OCWEN at: http://www.scribd.com/doc/235647764/OCWEN-LOAN-SERVICING-CONSENT-ORDER-TO-STOP-MORTGAGE-SERVICING-AND-FORECLOSURE-ABUSES.

If you are experiencing no relief from OCWEN LOAN SERVICING in your problems with its abusive loan servicing tactics or OCWEN's preposterous loan modification efforts (!), contact Attorney General Robert Ferguson or David Huey at the Consumer Complaint portal for the Washington Attorney General's Office website. FILL OUT A COMPLAINT FORM AND TELL THEM YOU WANT THE RELIEF THEY BARGAINED FOR ON YOUR BEHALF IN DECEMBER 2013 WITH OCWEN LOAN SERVICING! YOU WANT TO KEEP YOUR HOME AND BE FREE FROM HARASSMENT BY THESE UNPRINCIPLED FIRMS.

Judge Rules Foreclosure Unconstitutional

Judge George N. Bowden of the Superior Court in Washington State ruled against Bank of America (BoA) in a foreclosure battle that ended with the nonjudicial foreclosure sale under the Deed of Trust Act (DTA). The sale was deemed void, and the court is setting the foreclosure aside.

In this case defended by StafneTrumbull law firm in Washington State, the homeowner won his ability to sue BoA for damages for a wrongful freclosure which is another major victory against the unethical and illegal foreclosures industry that has left millions of Americans homeless.

Bowden acknowledged that this case was like most; “convoluted in the minefield” that is the Mortgage Electronic Registration System (MERS) system.

Bradburn, the homeowner, was told by BoA “that he should stop making his mortgage payments so that he could qualify for refinancing.”

BoA ensured that this homeowner was in default of the mortgage by promising to refinance; then initiated litigation against the homeowner to retrieve the property for failure by Bradburn to remain current on his payments.

Bowden pointed out that the DTA “seems to contemplate a borrower and a lender with an independent trustee having the power to foreclose on the deed of trust in the event of default by the borrower. The lender would normally hold the underlying note and be the beneficiary of it. Here matters have been complicated by the sale of the underlying note from HomeStar Lending to Countrywide, which was later acquired by [BoA].”

Interestingly, Bowden stated that “Fidelity Title was identified as the trustee but then MERS was characterized as the beneficiary ‘as the nominee’ of the lender and their assigns. At summary judgment it was claimed that the note was ‘owned’ by Fannie Mae although it was ‘held’ by [BoA], which was then described as the ‘servicer’ of the note at the behest of Fannie Mae.”

The evidence presented by the homeowner showed that “MERS was never the owner or holder of the note.”


In 2013, Bain v. MERS held that this system “is not and cannot be a legal beneficiary under Washington State law. Only the legal holder of the note, the real creditor, has the power to appoint the substitute trustee in order to transact such legal actions as a foreclosure.”

Neil Garfield, property right attorney commented that MERS “is the electronic smokescreen that allowed banks to build their securitization Ponzi scheme without worrying about details like ownership and chain of title.”

Garfield said: “Properties were sold to multiple investors or conveyed to empty trusts, subprime securities were endorsed as triple A, and banks earned up to 40 times what they could earn on a paying loan, using credit default swaps in which they bet the loan would go into default. As the dust settles from collapse of the scheme, homeowners are left with underwater mortgages with no legitimate owners to negotiate with. The solution now being considered is for municipalities to simply take ownership of the mortgages through eminent domain. This would allow them to clear title and start fresh, along with some other lucrative dividends.”

Bowden cited that there were “contradictory statements that were filed. [BoA] filed a declaration with ReconTrust which identified Fannie Mae as the owner and beneficiary of the deed of trust, yet ReconTrust later identified [BoA] as the beneficiary.”

This shows the scheme enacted by BoA to sanction this illegal and unconstitutional foreclosure which was proven because the DTA was not adhered to; as well as “failure to materially comply with that statute renders a foreclosure sale pursuant to it invalid.”

Therefore the foreclosure implemented against the homeowner was illegal because there was a failure to appoint “a trustee that was independent.”

Bowden clearly stated “I could not find that Fannie Mae as the claimed owner of the underlying note was a bona fide purchaser for value, even if it was not complicit in the violations of the DTA.”

It was concluded that BoA and MERS action were “unfair [and] deceptive” in nature and the homeowner was “injured” because of this foreclosure.

Big Bank FAIL: Judge Rules Foreclosure Unconstitutional

All credit for this article to:  
Susanne Posel of Investigative Headline News
 http://www.occupycorporatism.com/big-bank-fail-judge-rules-foreclosure-unconstitutional/#sthash.I9ifXo1E.dpuf

NORTH DAKOTA'S MIRACLE

NORTH DAKOTA’S ECONOMIC “MIRACLE”

—IT’S NOT OIL

North Dakota has had the nation's lowest unemployment ever since the economy tanked. What's its secret? 

In an article in The New York Times on August 19^th titled “The North Dakota Miracle,” Catherine Rampell writes:

Forget the Texas Miracle. Let’s instead take a look at North Dakota, which has the lowest unemployment rate and the fastest job growth rate in the country.

According to new data released by the Bureau of Labor Statistics today, North Dakota had an unemployment rate of just 3.3 percent in July—that’s just over a third of the national rate (9.1 percent), and about a quarter of the rate of the state with the highest joblessness (Nevada, at 12.9 percent).

North Dakota has had the lowest unemployment in the country (or was tied for the lowest unemployment rate in the country) every single month since July 2008.

Its healthy job market is also reflected in its payroll growth numbers. . . . [Y]ear over year, its payrolls grew by 5.2 percent. Texas came in second, with an increase of 2.6 percent.

Why is North Dakota doing so well? For one of the same reasons that Texas has been doing well: oil.

Oil is certainly a factor, but it is not what has put North Dakota over the top. Alaska has roughly the same population as North Dakota and produces nearly twice as much oil, yet unemployment in Alaska is running at 7.7 percent. Montana, South Dakota, and Wyoming have all benefited from a boom in energy prices, with Montana and Wyoming extracting much more gas than North Dakota has. The Bakken oil field stretches across Montana as well as North Dakota, with the greatest Bakken oil production coming from Elm Coulee Oil Field in Montana. Yet Montana’s unemployment rate, like Alaska’s, is 7.7% percent. 

A number of other mineral-rich states were initially not affected by the economic downturn, but they lost revenues with the later decline in oil prices. North Dakota is the only state to be in continuous budget surplus since the banking crisis of 2008. Its balance sheet is so strong that it recently reduced individual income taxes and property taxes by a combined $400 million, and is debating further cuts. It also has the lowest foreclosure rate and lowest credit card default rate in the country, and it has had NO bank failures in at least the last decade. 

If its secret isn’t oil, what is so unique about the state? North Dakota has one thing that no other state has: its own state-owned bank.

Access to credit is the enabling factor that has fostered both a boom in oil and record profits from agriculture in North Dakota. The Bank of North Dakota (BND) does not compete with local banks but partners with them, helping with capital and liquidity requirements. It participates in loans, provides guarantees, and acts as a sort of mini-Fed for the state. In 2010, according to the BND’s annual report: 

The Bank provided Secured and Unsecured Federal Fund Lines to 95 financial institutions with combined lines of over $318 million for 2010. Federal Fund sales averaged over $13 million per day, peaking at $36 million in June. 

The BND also has a loan program called Flex PACE, which allows a local community to provide assistance to borrowers in areas of jobs retention, technology creation, retail, small business, and essential community services. In 2010, according to the BND annual report:

The need for Flex PACE funding was substantial, growing by 62 percent to help finance essential community services as energy development spiked in western North Dakota. Commercial bank participation loans grew to 64 percent of the entire $1.022 billion portfolio.

The BND’s revenues have also been a major boost to the state budget. It has contributed over $300 million in revenues over the last decade to state coffers, a substantial sum for a state with a population less than one-tenth the size of Los Angeles County. According to a study by the Center for State Innovation, from 2007 to 2009 the BND added nearly as much money to the state’s general fund as oil and gas tax revenues did (oil and gas revenues added $71 million while the Bank of North Dakota returned $60 million). Over a 15-year period, according to other data, the BND has contributed more to the state budget than oil taxes have.       

North Dakota’s money and banking reserves are being kept within the state and invested there. The BND’s loan portfolio shows a steady uninterrupted increase in North Dakota lending programs since 2006. 

According to the annual BND report:

Financially, 2010 was our strongest year ever. Profits increased by nearly $4 million to $61.9 million during our seventh consecutive year of record profits. Earnings were fueled by a strong and growing deposit base, brought about by a surging energy and agricultural economy. We ended the year with the highest capital level in our history at just over $325 million. The Bank returned a healthy 19 percent ROE, which represents the state’s return on its investment.

A 19 percent return on equity! How many states are getting that sort of return on their Wall Street investments? 

Timothy Canova is Professor of International Economic Law at Chapman University School of Law in Orange, California. In a June 2011 paper called “The Public Option: The Case for Parallel Public Banking Institutions,” he compares North Dakota’s financial situation to California’s. He writes of North Dakota and its state-owned bank:

The state deposits its tax revenues in the Bank, which in turn ensures that a high portion of state funds are invested in the state economy. In addition, the Bank is able to remit a portion of its earnings back to the state treasury . . . . Thanks in part to these institutional arrangements, North Dakota is the only state that has been in continuous budget surplus since before the financial crisis and it has the lowest unemployment rate in the country. 

He then compares the dire situation in California:

In contrast, California is the largest state economy in the nation, yet without a state-owned bank, is unable to steer hundreds of billions of dollars in state revenues into productive investment within the state. Instead, California deposits its many billions in tax revenues in large private banks which often lend the funds out-of-state, invest them in speculative trading strategies (including derivative bets against the state’s own bonds), and do not remit any of their earnings back to the state treasury. Meanwhile, California suffers from constrained private credit conditions, high unemployment levels well above the national average, and the stagnation of state and local tax receipts. The state’s only response has been to stumble from one budget crisis to another for the past three years, with each round of spending cuts further weakening its economy, tax base, and credit rating. 

Not all states have oil, of course (and it’s hardly a sustainable economic basis), but all could learn from the state-owned bank that allows North Dakota to capitalize on its resources to full advantage. States that deposit their revenues and invest their capital in large Wall Street banks are giving this economic opportunity away.

This article was written for YES! Magazine. Ellen Brown is an attorney, president of the Public Banking Institute, and the author of eleven books, including Web of Debt: The Shocking Truth About Our Money System and How We Can Break Free. Her websites are http://WebofDebt.com and http://PublicBankingInstitute.org.

SOURCE:  Ellen Brown - August 31st, 2011
www.webofdebt.com/articles/north_dakota.php

BANKING IS RIGGED

Conspiracy theorists of the world, believers in the hidden hands of the Rothschilds and the Masons and the Illuminati, we skeptics owe you an apology. You were right. The players may be a little different, but your basic premise is correct: The world is a rigged game. We found this out in recent months, when a series of related corruption stories spilled out of the financial sector, suggesting the world's largest banks may be fixing the prices of, well, just about everything.

You may have heard of the Libor scandal, in which at least three – and perhaps as many as 16 – of the name-brand too-big-to-fail banks have been manipulating global interest rates, in the process messing around with the prices of upward of $500 trillion (that's trillion, with a "t") worth of financial instruments. When that sprawling con burst into public view last year, it was easily the biggest financial scandal in history – MIT professor Andrew Lo even said it "dwarfs by orders of magnitude any financial scam in the history of markets."

That was bad enough, but now Libor may have a twin brother. Word has leaked out that the London-based firm ICAP, the world's largest broker of interest-rate swaps, is being investigated by American authorities for behavior that sounds eerily reminiscent of the Libor mess. Regulators are looking into whether or not a small group of brokers at ICAP may have worked with up to 15 of the world's largest banks to manipulate ISDAfix, a benchmark number used around the world to calculate the prices of interest-rate swaps.

Interest-rate swaps are a tool used by big cities, major corporations and sovereign governments to manage their debt, and the scale of their use is almost unimaginably massive. It's about a $379 trillion market, meaning that any manipulation would affect a pile of assets about 100 times the size of the United States federal budget.

It should surprise no one that among the players implicated in this scheme to fix the prices of interest-rate swaps are the same megabanks – including Barclays, UBS, Bank of America, JPMorgan Chase and the Royal Bank of Scotland – that serve on the Libor panel that sets global interest rates. In fact, in recent years many of these banks have already paid multimillion-dollar settlements for anti-competitive manipulation of one form or another (in addition to Libor, some were caught up in an anti-competitive scheme, detailed in Rolling Stone last year, to rig municipal-debt service auctions). Though the jumble of financial acronyms sounds like gibberish to the layperson, the fact that there may now be price-fixing scandals involving both Libor and ISDAfix suggests a single, giant mushrooming conspiracy of collusion and price-fixing hovering under the ostensibly competitive veneer of Wall Street culture.

The Scam Wall Street Learned From the Mafia
Why? Because Libor already affects the prices of interest-rate swaps, making this a manipulation-on-manipulation situation. If the allegations prove to be right, that will mean that swap customers have been paying for two different layers of price-fixing corruption. If you can imagine paying 20 bucks for a crappy PB&J because some evil cabal of agribusiness companies colluded to fix the prices of both peanuts and peanut butter, you come close to grasping the lunacy of financial markets where both interest rates and interest-rate swaps are being manipulated at the same time, often by the same banks.

"It's a double conspiracy," says an amazed Michael Greenberger, a former director of the trading and markets division at the Commodity Futures Trading Commission and now a professor at the University of Maryland. "It's the height of criminality."

The bad news didn't stop with swaps and interest rates. In March, it also came out that two regulators – the CFTC here in the U.S. and the Madrid-based International Organization of Securities Commissions – were spurred by the Libor revelations to investigate the possibility of collusive manipulation of gold and silver prices. "Given the clubby manipulation efforts we saw in Libor benchmarks, I assume other benchmarks – many other benchmarks – are legit areas of inquiry," CFTC Commissioner Bart Chilton said.

But the biggest shock came out of a federal courtroom at the end of March – though if you follow these matters closely, it may not have been so shocking at all – when a landmark class-action civil lawsuit against the banks for Libor-related offenses was dismissed. In that case, a federal judge accepted the banker-defendants' incredible argument: If cities and towns and other investors lost money because of Libor manipulation, that was their own fault for ever thinking the banks were competing in the first place.

"A farce," was one antitrust lawyer's response to the eyebrow-raising dismissal.

"Incredible," says Sylvia Sokol, an attorney for Constantine Cannon, a firm that specializes in antitrust cases.

All of these stories collectively pointed to the same thing: These banks, which already possess enormous power just by virtue of their financial holdings – in the United States, the top six banks, many of them the same names you see on the Libor and ISDAfix panels, own assets equivalent to 60 percent of the nation's GDP – are beginning to realize the awesome possibilities for increased profit and political might that would come with colluding instead of competing. Moreover, it's increasingly clear that both the criminal justice system and the civil courts may be impotent to stop them, even when they do get caught working together to game the system.

If true, that would leave us living in an era of undisguised, real-world conspiracy, in which the prices of currencies, commodities like gold and silver, even interest rates and the value of money itself, can be and may already have been dictated from above. And those who are doing it can get away with it. Forget the Illuminati – this is the real thing, and it's no secret. You can stare right at it, anytime you want.

Source:  http://www.rollingstone.com/politics/news/everything-is-rigged-the-biggest-financial-scandal-yet-20130425#ixzz2RrwU99OH

 

NEWS - Billiou

This was taken from an obituary.  It shows that Joseph Michael Billiou III is related to Judge Peter Billiou Twede.  Other documentation may now be found through the Glenn County records.  The Judge assured that the illegally foreclosed property in Glenn County was given to a fraudulent claimant: Deutsche Bank, then sold to Joseph Michael Billiou III.  Exensive damage to a natural waterway, Stoney Creek is continuing to be excavated by aka: Mike Billiou

Joseph Michael Billiou, Jr., of Hamilton City, Calif., passed away on Thursday, Oct. 18, 2012, at the age of 89. Joe was born in Chico, Calif. on Dec. 16, 1922 to Joseph Sr. and Frances W. Billiou, and was raised on the family ranch in Glenn County, along with his sisters, Mary Elizabeth "Betty" (Miles d. 2012), Georgia (Twede d. 1991) and Theresa (McGowan). Joe attended Notre Dame parochial school in Chico and Hamilton City High School, where he ran track. He briefly attended Santa Clara before enlisting in the US Air Force.

During wartime, Joe proudly served his country as a B-17 pilot in the 379th Bomb Group based in England. After the war, Joe completed his business degree at UC Berkeley and then returned home to Hamilton City to begin his farming career. On June 30, 1951, Joe married Anne Rose Spencer, who entered into rest on September 20, 2012. During their married life they resided in the family ranch house and raised three children. During his career as a well-respected and progressive farmer, Joe was among the first to bring orchard crops to the area. Joe was an avid fly fisherman and loved traveling around the continent in pioneer fashion with Anne and many friends. In addition, Joe maintained life long relationships with his fraternity brothers and enjoyed their get-togethers each year.

Joe was a devout Catholic, who served on the church council, was a school board member for the Hamilton Union School District for many years, and served as a member of the Sunsweet Board of Directors.

Joe is survived by three children: Joseph Michael III (Kerry), Sally Marie (Billiou) Fleischmann (Robert), and Jane Anne (Billiou) Armour (Gerald); two grandchildren, Jordan Billiou Fleischmann and Victoria Rose Fleischmann; four stepgrandsons, Henry Fleischmann, Morgan Fleischmann, Joshua Fleischmann and Garrison Armour, and numerous nieces and nephews.

A Catholic Rosary will be held on Wednesday evening, Oct. 24, 2012 at 7:00 p.m. at Brusie Funeral Home. A Mass of Christian Burial will be held at St. John's Catholic Church on Thursday, Oct. 25, 2012 at 11:00 a.m. followed by a Committal Service at Chico Cemetery.
Condolences may be sent to the family online at www.brusiefh.com.

Published in Willows Journal from October 24 to October 30, 2012 

 

Source:  http://www.legacy.com/obituaries/corning-observer/obituary.aspx?pid=160616970#fbLoggedOut

STOP COURT FRAUD

Now is the time to stop these Fraudulent Courts and their minions. I do hope you watch and LISTEN CAREFULLY to what is being said on this video. There is NO JURISDICTION by the courts and their attorneys over you. They are a corporation and as such must follow the international laws of commerce. The UCC (Uniform Commercial Code).   Find out more.    This is from redressright.org and this is his youtube channel. Very knowledgeable fellow.




Source: We Have Been Duped!

FORGERIES in FORECLOSURES

FROM ODIN WILD HUNT: This was posted on Neil Garfield's site - I believe reposted from elsewhere.  But the information is good.

Editor’s Analysis: First of all hats off to April Charney, http://www.nakedcapitalism.com and Yves Smith for the article on Forgery (see link below) James M. Kelley as a forensic document examiner — outstanding work!

This is one of the places where the rubber meets the road, but before you start celebrating take a deep breath: proof of forgery will NOT necessarily stop delay or alter the foreclosure. That is why I start with questioning the monetary transactions before I introduce the document deficiencies, fabrications and forgeries.

You have to put yourself in the Judge’s seat (or more properly, bench). A simple example will suffice to make my point. Suppose I loaned you $100 and you didn’t pay it back the way we agreed. Later I sue you and produce a promissory note you know you never signed but it looks like your signature, but you’ve admitted you owe the $100 and you admit you defaulted. Under those circumstances your evidence of forgery might be excluded from evidence -– because it is already established you owe the money and defaulted. In fact it should be excluded because it is no longer relevant to the proceedings. The debt is not the note — and vica versa.

The note is only evidence of the debt and taking that out of the equation still leaves the admissions, presumptions and witnesses by which the authenticity of the debt and default have already been taken as agreed and irrefutable. Some people look askance as Judges who apply the rules of evidence and accuse them of stupidity or dishonesty. But the truth is the forged fabricated note is at most corroborative evidence of something that is no longer a material issue of fact in dispute. The Judge has little choice but to rule in favor of the forecloser at that point. Hence, we keep pounding on DENY AND DISCOVER.

If you are filing the lawsuit you should, along with the initial summons and and complaint, file whatever discovery requests you have at the same time which all amount to “who are you, what are you doing here, why are you seeking collection of this debt, and by what authority.

Admitting the debt, note, mortgage etc can be either direct (“I admit that”) or indirect/tacit (“I understand what you are saying Judge but there is ample evidence of skullduggery here”). In most cases, either one is enough, especially with a Judge who is already assuming that the bank wouldn’t be there if there was no debt, note and mortgage and the presence of a default.

The borrower, who knows they did get money on loan, knows they did sign papers and knows they didn’t pay, naturally assumes that it is pointless to deny the basic elements of the foreclosure — the debt between the borrower and the forecloser, the note, which is evidence of the debt, and the mortgage, assignments and other instruments used by the banks to get you pointed in the wrong direction. AND THAT is where the defense goes off the deep end every time there is a “bad” decision.

The Judge is going to be looking for admissions by the borrower (not the forecloser) because of a very natural presumption that at one time was a perfectly reasonable assumption — that the bank would not waste time and money enforcing a debt that didn’t exist and a note that was never valid, nor a mortgage that was never perfected.

And the Judge is going to see any avoidance of enforcement on the basis of paperwork as a tacit admission that the debt is real, the default is real, and the note and mortgage were properly executed under proper circumstances —- because that is what banks do! Maybe it isn’t “fair” but it is perfectly understandable why we encountered a mindset that treated borrowers as lunatics when they first came up with the notion that the paperwork was missing, lost, fabricated, forged, robo-signed etc.

The study by Katherine Ann Porter, the San Francisco study and the studies in Massachusetts and Maryland and Massachusetts all point to a credit bid being submitted at foreclosure auction by a party who wasn’t a creditor at all. The San Francisco study said 65% of the credit bidders were strangers to the transaction and strange is the word to use in court. Did it change anything? No!

So where does that leave you? In order to be able to show the relevance of the forgery or fabrication you must attack the debt itself. Where would I be if I sued you on the $100 loan, produced a fabricated, forged note and you DIDN’T admit the debt or the default. The burden falls back on me to prove I gave you the $100.

What if I didn’t give you the $100 but I know someone else did. That doesn’t give me standing to sue you because I am not injured party. Can any of you state with certainty that the loan money you received came from the originator disclosed on the TILA, settlement and closing documents? Probably not because the ONLY way you would know that is if you had seen the actual wire transfer receipt and the wire transfer instructions.

Thus if you don’t know that to be true — that the originator in your mortgage loan was funded by the originator and was not a table-funded loan (which accounts for about 95%-96% of all loans during the mortgage meltdown), why would you admit it, tacitly, directly or any other way?

As a defense posture the first rule is to deny that which you know is untrue and to deny based upon lack of information or deny based upon facts and theory that are contrary to the assertions of the forecloser.Deny the debt. THAT automatically means the note can’t be evidence of anything real, because the note refers to a loan between the originator and the borrower where the borrower unknowingly received the money from a third or fourth party (table funded loan, branded “predatory” by TILA and reg Z).

Your defense is simply “we don’t know these people and we don’t know the debt they are claiming. We were induced to sign papers that withheld vital information about the party with whom I was doing business and left me with corrupt title. The transaction referred to in the note, mortgage, assignments, allonges etc. was never completed. The fact that we received a loan from someone else does not empower this forecloser to enforce the debt of a third party with whom they have had no contact or privity.”

THEN HAMMER THEM WITH THE FORGERY BUT USE SOMEONE AS GOOD AS KELLEY TO DO IT. WATCH OUT FOR CHARLATANS WHO CAN CONVINCE YOU BUT NOT THE COURT. THUS THE DEFICIENT DOCUMENTS CORROBORATE YOUR MAIN DEFENSE RATHER THAN SERVE AS THE CORE OF IT.

Practice Pointer: At this point either opposing counsel or the Judge will ask some questions like who DID give the loan or what proof do you have. If you are at the stage of a motion to dismiss or motion for summary judgment, your answer should be, if you set up case correctly and you have outstanding discovery, that those are evidential questions that require production of witnesses, testimony, documents and cross examination. Since the present hearing is not a trial or evidential hearing and was not noticed as such you are unprepared to present the entire case.

The issues on a motion to dismiss are solely that of the pleadings. At a Motion for Summary Judgment, it is the pleadings plus an affidavit. Submit several affidavits and the Judge will have little choice but to deny the forecloser’s motion for summary judgment.

Attack their affidavit as not being on personal knowledge (voir dire) and if you are successful all that is left is YOUR motion for summary judgment and affidavits which leaves the Judge with little choice but to enter Summary Final Judgment in favor of the homeowner as to this forecloser.

http://www.nakedcapitalism.com/2013/02/expert-witnesses-starting-to-take-on-forgeries-in-foreclosures.html

CONGRESSIONAL TESTIMONY

Congressional Testimony: Vickie Barker to Bill Windsor of Lawless America.Interview introduces a foreclosure case heard by Judge Peter Billiou Twede in the Superior Court, County of Glenn, in the State of California.  The said property was basically given to Deutsche Bank and later sold to the highest bidder at an "alleged" legal foreclosure sale.  The property was purchased by Judge Peter Twede's family member, Michael Joseph Billiou III.  The property borders on Stoney Creek, a tributary of the Sacramento River just 2 miles from the native family's original village.




Congressional Testimony: Vickie Barker to Bill Windsor of Lawless America.

Lawless America...The Movie is all about exposing the fact that we now live in Lawless America. We no longer have laws that are enforced because judges do whatever they want to do. America has also become lawless because government officials are dishonest and/or corrupt.

The movie will expose corruption in every state. The Movie will focus on victims. Corrupt judges and corrupt government officials will be exposed, and we will confront a number of the crooks.

If anyone has ever questioned the story of a person who has expressed the view that they were a victim of the government or of judges, this movie will prove that the odds are that the corruption report was true. In fact, there are probably tens of millions of victims in the United States who never realized what happened to them.

One feature length documentary movie is being produced. It will be shown in theaters, on Netflix, Blockbuster, and other such video places, and the movie will be presented at the Sundance Film Festival and other film festivals.

In addition, videos will be produced for each state and for each type of corruption. Everyone interviewed for the film recorded a three-minute segment that will be done as testimony before Congress as well as a 30-60 minute on-camera interview with Bill Windsor, founder of LawlessAmerica.com and the revolutionary Party. The legislators in each state are receiving the testimony from those in their state, and the members of the U.S. House and Senate will receive all of the testimony nationwide.

Over 750 people were scheduled to be interviewed for the movie.

For more information, see www.LawlessAmerica.com -- www.YouTube.com/lawlessamerica -- www.facebook.com/lawlessamerica -- http://www.imdb.com/title/tt2337260/

Source: Congressional Testimony

LAWYERS & JUDGES IN COLLUSION

“The once-honorable profession of law now fully functions as a bottom-line business, driven by greed and the pursuit of power and wealth, even shaping the laws of the United States outside the elected Congress and state legislatures.”

-- Justice John F. Molloy

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The Fraternity: Lawyers and Judges in Collusion

JUSTICE JOHN F. MOLLOY

When I began practicing law in 1946, justice was much simpler. I joined a small Tucson practice at a salary of $250 a month, excellent compensation for a beginning lawyer. There was no paralegal staff or expensive artwork on the walls.
In those days, the judicial system was straightforward and efficient. Decisions were handed down by judges who applied the law as outlined by the Constitution and state legislatures. Cases went to trial in a month or two, not years. In the courtroom, the focus was on uncovering and determining truth and fact.
I charged clients by what I was able to accomplish for them. The clock did not start ticking the minute they walked through the door.

Looking back

The legal profession has evolved dramatically during my 87 years. I am a second-generation lawyer from an Irish immigrant family that settled in Yuma. My father, who passed the Bar with a fifth-grade education, ended up arguing a case before the U.S. Supreme Court during his career.
The law changed dramatically during my years in the profession. For example, when I accepted my first appointment as a Pima County judge in 1957, I saw that lawyers expected me to act more as a referee than a judge. The county court I presided over resembled a gladiator arena, with dueling lawyers jockeying for points and one-upping each other with calculated and ingenuous briefs
That was just the beginning.
By the time I ended my 50-year career as a trial attorney, judge and president of southern Arizona's largest law firm, I no longer had confidence in the legal fraternity I had participated in and, yes, profited from.
I was the ultimate insider, but as I looked back, I felt I had to write a book about serious issues in the legal profession and the implications for clients and society as a whole. The Fraternity: Lawyers and Judges in Collusion was 10 years in the making and has become my call to action for legal reform.

Disturbing evolution

Our Constitution intended that only elected lawmakers be permitted to create law.
Yet judges create their own law in the judicial system based on their own opinions and rulings. It's called case law, and it is churned out daily through the rulings of judges. When a judge hands down a ruling and that ruling survives appeal with the next tier of judges, it then becomes case law, or legal precedent. This now happens so consistently that we've become more subject to the case rulings of judges rather than to laws made by the lawmaking bodies outlined in our Constitution.
This case-law system is a constitutional nightmare because it continuously modifies constitutional intent. For lawyers, however, it creates endless business opportunities. That's because case law is technically complicated and requires a lawyer's expertise to guide and move you through the system. The judicial system may begin with enacted laws, but the variations that result from a judge's application of case law all too often change the ultimate meaning.

Lawyer domination

When a lawyer puts on a robe and takes the bench, he or she is called a judge. But in reality, when judges look down from the bench they are lawyers looking upon fellow members of their fraternity. In any other area of the free-enterprise system, this would be seen as a conflict of interest.
When a lawyer takes an oath as a judge, it merely enhances the ruling class of lawyers and judges. First of all, in Maricopa and Pima counties, judges are not elected but nominated by committees of lawyers, along with concerned citizens. How can they be expected not to be beholden to those who elevated them to the bench?
When they leave the bench, many return to large and successful law firms that leverage their names and relationships.

Business of law

The concept of "time" has been converted into enormous revenue for lawyers. The profession has adopted elaborate systems where clients are billed for a lawyer's time in six-minute increments. The paralegal profession is another brainchild of the fraternity, created as an additional tracking and revenue center. High powered firms have departmentalized their services into separate profit centers for probate and trusts, trial, commercial, and so forth.
The once-honorable profession of law now fully functions as a bottom-line business, driven by greed and the pursuit of power and wealth, even shaping the laws of the United States outside the elected Congress and state legislatures.

Bureaucratic design

Today the skill and gamesmanship of lawyers, not the truth, often determine the outcome of a case. And we lawyers love it. All the tools are there to obscure and confound. The system's process of discovery and the exclusionary rule often work to keep vital information off-limits to jurors and make cases so convoluted and complex that only lawyers and judges understand them.
The net effect has been to increase our need for lawyers, create more work for them, clog the courts and ensure that most cases never go to trial and are, instead, plea-bargained and compromised. All the while the clock is ticking, and the monster is being fed.
The sullying of American law has resulted in a fountain of money for law professionals while the common people, who are increasingly affected by lawyer-driven changes and an expensive, self-serving bureaucracy, are left confused and ill-served.
Today, it is estimated that 70 percent of low-to-middle-income citizens can no longer afford the cost of justice in America. What would our Founding Fathers think?
This devolution of lawmaking by the judiciary has been subtle, taking place incrementally over decades. But today, it's engrained in our legal system, and few even question it. But the result is clear. Individuals can no longer participate in the legal system.
It has become too complex and too expensive, all the while feeding our dependency on lawyers.
By complicating the law, lawyers have achieved the ultimate job security. Gone are the days when American courts functioned to serve justice simply and swiftly.
It is estimated that 95 million legal actions now pass through the courts annually, and the time and expense for a plaintiff or defendant in our legal system can be absolutely overwhelming.
Surely it's time to question what has happened to our justice system and to wonder if it is possible to return to a system that truly does protect us from wrongs.

A lawyer from Tuscon, Arizona, John Fitzgerald Molloy (b. 1917) was elected to the Superior Court bench where he served for seven years as both a juvenile court and trial bench judge.  He subsequently was elected to the Court of Appeals where he authored over 300 appellate opinions, including the final Miranda decision for the Arizona Supreme Court.  During that period, he also served as president of the Arizona Judge's Association.  After 12 years, Molloy returned to private practice to become president of the largest law firm in southern Arizona.  His book has received widespread praise for its candor and disquieting truths.  (Photo courtesy of Paragon House)

Copyright 2004, Paragon House

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From an Internet released preview of the book by John Fitzgerald Molloy, The Fraternity: Lawyers and Judges in Collusion, Paragon House, St. Paul, Minnesota, 2004.  Reprinted in accordance with the "fair use" provision of Title 17 U.S.C. § 107 for a non-profit educational purpose.

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Source:  Tulane Link

FRAUD AND TREASON - WASHINGTON

Seattle, Washington State, America
September 20, 2012
Criminal/civil charges have been filed with referenced evidentiary weblinks against officials of the Washington State corporate government, as well as media corporations operating in Washington State, for perpetrating/enabling systemic financial/constititutional fraud and treason.

The allegations in these legal actions specifically expose what has been called the CAFR scam, with its implications of fraudulent unnecessary budget cuts to government services at all levels of government all across America as a result of theft by the private Federal Reserve System. These are accompanied by related allegations that the Washington State Constitution of 1889, as well as the present US corporate government, are fraudulent, and that failure to disclose this constitutes treason on the part of state corporate government/media officials.

These criminal/civil charges have been filed with the Federal Grand Jury of the Ninth District Court, the FBI, the Offices of the King County Sheriff, and that of the Seattle Chief of Police and Seattle City Prosecutor here in Seattle . They have also been filed in the state capital of Olympia/Thurston County with the Offices of the Thurston County Sherriff, the Thurston County Prosecutor, the Olympia Chief of Police and the Olympia City Prosecutor.

Copies of these charges’ Proofs of Filing can be seen below. All civil/criminal charges filed at the local level were hand-delivered, with receipts signed at the front desk for documentation of filing. Those filed at the federal level even if local, as well as those filed at a distance in the Washington State capital of Olympia were filed via certified mail.

Those charges filed with the Federal Grand Jury were filed without return receipt to better ensure that they would reach the Foreperson without the interposition of possibly compromised court clerks or US attorneys; accordingly, a copy of the screen shot from the delivery tracking portion of the US Postal Service website has been scanned to show such proper filing, with delivery on September 10, 2012.

It should be mentioned that two attempts to file these charges with the King County Prosecutor’s Office were unsuccessful. In both instances, clerks connected with this office rejected the packet of charges. They stated that sovereign citizens did not have the right to file criminal charges, and that all civil charges against the state need to be filed as a civil lawsuit at the sovereign citizen’s expense — now $400 — with the district court to be decided by state corporate government-appointed judges. This clearly no-win proposition for the plaintiff was immediately rejected by this plaintiff.
All of the filings of these charges been done in such a way to ensure as well as is possible that appropriate action might be taken on the part of law enforcement/judicial agencies located in Washington State, and that if it is not, that such derogation of duty will become immediately and publicly apparent, as seen in the paragraph above concerning Proof of Public Disservice by the King County Prosecutor’s Office.

Since the term “United States of America” is now often considered to denote the bank cartel-controlled federal government corporation, many geopolitically savvy sovereign citizens prefer being called “Americans” and their country “America”, even though we share the North American continent with other nations. This dichotomy illustrates the gravity of the issues being discovered in this document, and is the reason that the terms ” America ” and “Americans” are herein being used instead of ” USA ” and ” US citizens” to denote our nation and its legitimate inhabitants.

Media corporations operating in Washington State are, possibly for the first time in recorded history, included in such a legal action. It finally needs to be publicly acknowledged and acted upon that corporate media distortions and omissions in reporting the news as agreed upon in their corporate charters have long enabled such ongoing criminal activity on the part of corrupt corporate government officials in this state and in others throughout the world. This was also done to remind both media corporations and the public that, besides prosecution of their executives, corporate charters can be legally rescinded as a form of capital punishment for capitalist corporate entities whenever their corporate charters are repeatedly and reprehensibly violated, as many have been in recent memory.

It is hoped that these public legal actions will help create a template by which empowered sovereign citizens everywhere can draft their own like public legal actions based on their own situations, research and laws, and they, like sovereign citizens in Washington State, can themselves publicly file these charges with their own law enforcement agencies to help expose and systemically extirpate this ancient ongoing theft of planetary resources.

Other sovereign citizens of Washington State are cordially invited to print out these charges and file them with their own local law enforcement officials, as well as forward them to their elected representatives, to Washington State media and to their fellow citizens, so that general knowledge of such systemic evil and what can successfully eliminate it can rapidly be increased.
For it is only by such peaceful but effective means that the satanic international bank-based corporate crime syndicate that presently controls most of the governments of this planet will ultimately and forever be defeated.

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WCSS 9-5-12.doc
CRIMINAL/CIVIL CHARGES AGAINST WASHINGTON STATE CORPORATE GOVERNMENT OFFICIALS/MEDIA CORPORATIONS OPERATING IN WASHINGTON STATE FOR SYSTEMIC FINANCIAL/CONSTITUTIONAL FRAUD AND TREASON

Against the following Washington State corporate government officials:

Governor Christine Gregoire, Treasurer James McIntire, Attorney General Robert McKenna, Washington State Investment Board Legislature Liaison Rep. Sharon Tomiko-Santos, Budget Director Martin Brown, President of the Senate Lisa Brown, Co-Chairmen of the Senate Ways and Means Committee, Senators Edward Murray and Joseph Zarelli, Speaker of the House Frank Chopp and Chairman of the House Ways and Means Committee Ross Hunter, as well as top management of mainstream/alleged alternative media corporations operating in Washington State, the following criminal/civil charges are alleged:

1. Systemic Ongoing Financial Fraud Against the People of Washington State

1.01 That the abovementioned Washington State corporate government officials and their predecessors in office, as well as mainstream/alleged alternative media corporations operating in Washington State have knowingly and repeatedly concealed the existence of approximately two-thirds of state monies shown in the Washington State Comprehensive Annual Financial Report, (CAFR) while misrepresenting the remaining one-third of these monies as the entire “state budget” since at least the mid-1940s;

Websites/links on CAFRs/CAFR Scam
http://en.wikipedia.org/wiki/Comprehensive_annual_financial_report
www.cafrman.com www.cafr1.com
www.webofdebt.com/articles/mysterious_cafrs.php
http://www.examiner.com/nonpartisan-in-national/carl-herman
www.comprehensiveannualfinancialreport.com

1.02 That Washington State corporate government officials have invested the two-thirds of state monies concealed in the CAFR in institutional corporate Wall Street investments, rather than in investments that would directly benefit the people of Washington State, such as investments in small businesses with the much greater amount of employment, personal prosperity and government tax revenues they would provide, in infrastructure maintenance that would provide widespread employment as well as for the general welfare, or in a public state bank, which, as in the State of North Dakota since 1919, would eliminate state economic downturns altogether;

Websites on Pubic Banking
www.wapublicbankproject.org www.publicbanking.org www.webofdebt.com

1.03. That, next to institutional investments in the US government corporation’s increasingly devalued financial instruments — the collateral damage from the recently revealed LIBOR scandal (LIBOR=London Interbank Offered Rate or “LIBER” (Latin for “Unregulated”) —
http://www.businessinsider.com/infographic-the-libor-scandal-explained-2012-7
the state corporate government’s largest investments are in the corrupt international banking cartel directly responsible for the global depression of 2008, in which the global economy, as well as that of Washington State presently remain;

1.04 That at least eighty-five percent of the state’s investments are in foreign governmental or quasi-governmental entities and transnational corporations; few of them are in any entity located within Washington State , or in any headquartered in America ;

1.05 That of these transnational corporate Wall Street investments, a disproportionate number are in predatory transnational corporations other than the predatory transnational banks, in which the majority of the people of Washington State, if sufficiently informed, would not want their money invested as a matter of ethical and/or environmental principles; this includes institutional investments in BP, Shell, Keystone XL, Dow Chemical, Massey Energy, Cargill and Monsanto;

1.06 That the Washington State government has a grave conflict of interest by aggressively promoting by both executive order and legislation the products of industries in which they have large investments, such as the pharmaceutical cartel and its bioweaponized vaccines, in which it has institutional investments of over one-half billion dollars;

Why the Washington State Government Is a Ruthless Vaccine Pusher
http://www.allvoices.com/contributed-news/8367537-why-the-washington-state-government-is-a-ruthless-vaccine-pusher

1.07 That the Washington State government has a grave conflict of interest by failing to proportionately tax those Washington State-located transnational corporations in which it is heavily invested and/or whose favor they wish to obtain;

1.08 That the Washington State government has a grave conflict of interest by investing in foreign manufacturing competitors while failing to invest in those which would provide manufacturing employment and infrastructure for the people of Washington State;

1.09 That the Washington State Investment Board (WSIB) — the financial arm of the Washington State Legislature headed by the state treasurer — employs financial advisors of questionable competence and integrity, including accused war criminal former US Secretary of State Madeline Albright and the infamously corrupt investment firm of Goldman Sachs — never consulting with those who offer any alternative economic perspectives and solutions, including those employed within the Washington State government itself;

1.10 That the WSIB plotted in the spring of 2006 to alter the Washington State Constitution so that the fulsome Washington State Education Fund — derived from regular fees paid by the state’s resource extraction industries of mining, fishing and lumbering — could be used in the future for institutional corporate Wall Street investments, rather than as before being kept safely in trust;
1.11 That to achieve this diversion of state funds in trust, the WSIB quietly placed on the state ballot Issue 4215, which proposed an amendment to the Washington State Constitution allowing the state higher education funds to be used in corporate Wall Street investments;

1.12 That the majority of voters in Washington State, deliberately kept ill-informed by state corporate government officials and mainstream/alleged alternative media corporations operating in Washington State, passed this stealth measure by a large margin in November 2006, to be ratified as a constitutional amendment by the state legislature in January 2007;

2006 Washington State Voters Guide Writeup on State Issue 4215
http://vote.wa.gov/Elections/Measure2007.aspx?a=4215&c=7

1.13 That, since early 2004, the WSIB has deliberately invested a large portion of its institutional investment portfolio in derivatives and credit default options (CDOs), the most opaque, unstable investment instruments imaginable;

1.14 That, due to the corporate bailouts and banking cartel-engineered depression of 2008, as well as the WSIB’s prodigal, imprudent corporate Wall Street investments, the Washington State Education Fund now has been depleted by half, due to the resulting devaluation of institutionally invested stocks and bonds;

1.15 This has served to radically increase tuition and student loan indebtedness while radically decreasing the availability and quality of higher education to the people of Washington State ;
1.16 That all of this occurred less than two years after Issue 4215 was stealthily and deceptively introduced by the WSIB, passed by the majority of voters, and its related constitutional amendment approved by their state legislators;

1.17 That the amount of the people’s money deliberately being squandered in volatile institutional corporate Wall Street investments is at least eighty times the amount of the alleged state budget deficit of approximately $1 billion, which this invested money could have easily eliminated if used responsibly;

1.18 That the abovecited Washington State officials continually demand increasingly exorbitant taxation and licensing fees from the already deliberately financially stressed people of this state;

1.19 That they do this is while being entrusted with massive amounts of the people’s money, yet knowingly and willfully withholding and purloining it for the benefit of the private international banking cartel and those who secretly control it;

1.20 That the immediate motive for this treasonous fraud perpetrated by the abovecited Washington State corporate government officials and their predecessors in office and mainstream/alleged alternative media corporations operating in Washington State against the people of this state has been their greed for both wealth and power, accepting lucrative bribes, kickbacks, campaign contributions, loans and lucrative advertising contracts, as well as enhanced monies from personal investments from the corrupt international banking cartel and other corrupt transnational corporations;

1.21 That the actual underlying motive of these corporate state government officials’/media corporations’ corporate contributors has been, besides huge profits, the financial destruction and enslavement of the people of this state;

1.22 That therefore the Washington State corporate government budget and its budget deficit are now, and have been since at least the mid-1940s, fraudulent;

1.23 And therefore all budget cuts made on the pretext of this fraudulent state budget deficit that now threaten the general welfare — including the health and wellbeing of the disabled and disenfranchised, the cutting of public library, public transportation and public education services and those budget cuts which threaten to privatize all of the Washington state park system — are therefore criminal.

Websites/links Providing Evidence of the CAFR Scam in the Washington State Corporate Government, Including the Washington State Investment Board’s CAFR With Analysis, and Similar Recent Budgetary Fraud Exposed in the California State Parks System
http://nowisthetime.us www.sib.wa.gov
The Spokane Spokesman/Seattle Times Columnist: Washington State Parks Now on Their Own
http://spokesman.com/stories/2012/aug/04/state-parks-on-their-own
http://seattletimes.nwsource.com/html/dannywestneat/2018850731_danny05.html

CAFR Scam Exposed: California State Parks Department Had $54 million While Asking for Park Volunteers and Cutting Park Services
http://www.latimes.com/news/local/la-me-state-parks-20120721,0,2383546,full.story

2. Deliberate Denial of Remedy, Indicating Complicity in Criminal Conspiracy

2.01 That the above-cited Washington State corporate government officials and their predecessors in office, as well as mainstream/alleged alternative media corporations operating in Washington State, have failed repeatedly to disclose publicly that the figures contained in the Washington State Annual Comprehensive Financial Report — not those in what they claim as the annual budgetary document — are the most accurate declaration of actual state corporate government funds;

2.02 That the abovecited Washington State corporate government officials and their predecessors in office have failed to provide to the public clear comprehensive summaries of the fraudulent, unnecessary budget cuts made to each and every state cabinet department and its programs to obfuscate their negative impact on the general welfare of this state; and the abovecited mainstream/alleged alternative media corporations operating in Washington State have failed to demand and report on such essential information;

2.03 That the WSIB has deliberately invested the people’s money in volatile corporate Wall Street investments knowing that it would never be returned to them, not only because their inherent risk, but because of ongoing fraudulent and insidious federal corporate confiscation of these funds, upon which the mainstream/alleged alternative media corporations operating in this state, as well as state corporate government officials, have continually refused to report to duly inform the public;

2.04 That all individual and institutional investments, after being registered by a stock broker with the Depository Transaction Clearing Center (DTCC) — an obscure subsidiary of the privately owned Federal Reserve System doing business as (dba) the sardonically named Cede Inc. — become the tacitly ceded property of Cede Inc., with the people thereby rendered mere “beneficiaries” rather than owners, of their own investments;

2.05 That thereafter the people can be denied access to the dividends of these institutional investments at any time by the Federal Reserve corporation and those who secretly control this privately owned alien entity;

Who Really Owns Your Money: The Depository Trust Clearing Corporation
www.dtcc.com
http://yourmortgageoryourlife.wordpress.com/2008/09/30/who-really-owns-your-money-part-one-the-depository-trust-clearing-corporation/

Here Is Where Some of the Washington State Corporate Government’s Institutional Investments of the People’s Money Actually Went After It Was Stolen by the Federal Reserve Through the DTCC:
Final Federal Reserve Audit Results Posted on September 4, 2012:

$16 Trillion Stolen from the American People to Enrich the International Banking Cartel
ittp://www.pakalertpress.com/first-audit-results-in-the-federal-reserves-nealy-100-year-history-were-posted-today-they-are-startaling

Exhaustive Study Finds Globalists Hiding $32 Trillion in Secret Off-Shore Bank Accounts
http://www.democracynow.org/2012/7/31/exhaustive_study_finds_global_elite_hiding

2.06 That the above-cited Washington State corporate government officials and their predecessors in office, as well as the mainstream/alleged alternative media corporations operating in this state have repeatedly failed to enact/accurately report historically proven remedies to the state budget deficit — such as proportionate corporate taxation, state investment in small business, physical/technical infrastructure and a public state bank, while utilizing prudent trusts and investment instruments — although being fully and repeatedly informed of the benefits of these remedies;

2.07 That all of the above constitutes deliberate denial of remedy and complicity in criminal conspiracy.

3. Ongoing Systemic Constitutional Fraud Against the People of Washington State Tantamount to Treason

3.01 That the abovecited Washington State corporate government officials and their predecessors in office, as well as the mainstream/alleged alternative media corporations operating in Washington State have failed both to reveal and remediate the fact that the present Washington State Constitution of 1889 — latest amended by state investments-related Issue 4215 in 2006 — is fraudulent, automatically rendering invalid all legislation and executive orders enacted by officers of the current spurious state government corporation, specifically those dealing with its governmental financial system;

3.02 That the original state constitution enacted via due process by the people of Washington State in 1878 is indeed the actual Washington State Constitution, but was treasonously confiscated and held hostage by the banking cartel-controlled United States Corporation of the District of Columbia (DC) through the calculated failure of the US Congress to act upon it for eleven years until it was quietly replaced by the one of 1889 that had been drafted and enacted by spurious means;

3.03 That this banking cartel-controlled federal corporation had quietly been put in place during the upheaval of the cartel-engineered American Civil War/Reconstruction Period, during which the common-law US Constitution and Bill of Rights was stealthily replaced by unconstitutional statutory/commercial law and executive orders under the rubric of President Abraham Lincoln’s declaration of martial law at the beginning of the American Civil War in 1861 that has continued unrescinded to this day;

3.04 That the Washington DC-based United States Corporation then proceeded by various methods to subvert sovereign US states into becoming corporate subsidiaries of the federal US corporation;

3.05 That one of the methods used was for the de facto board of directors of the federal United States Corporation, the US Congress, to refuse to ratify any lawfully enacted state constitution under the ruse of political partisanship unless that new state constitution incorporated the treasonous agenda of the federal government corporation;

3.06 That such an example is the fraudulent Washington State Constitution of 1889, which diverged from the original of 1878, insofar as it omitted any acknowledgement of sovereign state citizenship and of alloidial personal property rights that the banking cartel-controlled US Corporation ultimately intends to eliminate in America and throughout the world;

3.07 That this has resulted in American government at all levels — including that of Washington State — being since the Civil War the public enabler/enforcer of the subversive, sinister agenda of the international banking cartel and those who secretly control it, to the extreme detriment of the people of this state and of this nation;

3.08 That concerning all of the abovecited treason and its potential remedies, the abovecited Washington State corporate government officials and the mainstream/alleged alternative media corporations operating in Washington State have failed in their duty to even minimally inform the public.

The Fraudulent Washington State Constitution and Its Relationship to the International Banking Cartel’s Clandestine Control of the US Government Since At Least 1861
Articles on the History of the Fraudulent Washington State Constitution
http://proliberty.com/observer/20001102.html
http://freedomrequireswork.org/public_access/washington/wash_const.html
The International Banking Cartel’s Takeover of the US Government Using the Civil War
www.famguardian.org/Subjects/Freedom/…/Sins_022810.pdf
http://newtomorrow.us
Historic Quotations Concerning US/Global Corporate Government
http://www.theforbiddenknowledge.com/quotes/index.htm

Wherefore:
The above cited Washington State corporate government officials and their surviving predecessors in office, as well as the top management of mainstream/alleged alternative media corporations operating in Washington State need to be summarily investigated, and then potentially arrested and prosecuted for criminal financial/constitutional fraud and treason against the people of this state;

And the people of Washington State need publicly to acknowledge and examine their own complicity in the criminal and treasonous actions/inaction of their abovecited state corporate government officials and their predecessors in office, as well as of the mainstream/alleged alternative media corporations operating in Washington State, through their own self-absorbed denial of, and disinterest in, the long-corrupted governmental and public information systems of this state and of this nation.
I hereby declare that all of the above statements are, to the best of my knowledge, true and accurate.
____________________________________ ___________________________
Rebecca Em Campbell-Plaintiff Date
Seattle, Washington State America
rebeccaphb@yahoo.com

Source:  Now Is The Time

FRAUD - U.S. Sues Wells Fargo Bank

(Reuters) - The U.S. government filed a civil mortgage fraud lawsuit on Tuesday against Wells Fargo & Co, the latest legal volley against big banks for their lending during the housing boom.

The complaint, brought by the U.S. Attorney in Manhattan, seeks damages and civil penalties from Wells Fargo for more than 10 years of alleged misconduct related to government-insured Federal Housing Administration loans.

The lawsuit alleges the FHA paid hundreds of millions of dollars on insurance claims on thousands of defaulted mortgages as a result of false certifications by Wells Fargo, the fourth-biggest U.S. bank as measured by assets.

"As the complaint alleges, yet another major bank has engaged in a longstanding and reckless trifecta of deficient training, deficient underwriting and deficient disclosure, all while relying on the convenient backstop of government insurance," said Manhattan U.S. Attorney Preet Bharara.

Wells, the largest U.S. mortgage lender, denied the allegations and said in a statement it believes it acted in good faith and in compliance with FHA and U.S. Department of Housing and Urban Development rules. The bank said many of the allegations have been previously addressed with HUD and added that its FHA delinquency rates have been as low as half the industry average.

In a regulatory filing in August, the bank said it was being investigated for possible violations of laws and regulations relating to mortgage origination practices, including FHA loans. Wells said it will vigorously defend itself against the suit.

Bharara's office has brought similar cases in the past few years, including one against Citigroup Inc unit CitiMortgage Inc, which settled the case for $158.3 million in February, and against Deutsche Bank, which paid $202.3 million in May to resolve its case.

The U.S. Attorney's office in Brooklyn brought the biggest such case, against Bank of America Corp's Countrywide unit, which agreed in February to pay $1 billion to resolve the allegations.
The Wells Fargo case is brought under the False Claims Act, which provides penalties for fraud against the government, and under the Financial Institutions Reform, Recovery, and Enforcement Act, or FIRREA for short, a little-used statute that has grown in popularity in the past year.

The law requires a lower burden of proof than criminal charges, has a longer statute of limitations than other financial laws and potentially could bring big fines.

A civil fraud unit that Bharara created in March 2010 filed its first lawsuit under FIRREA in December of that year.

DAMAGES AND PENALTIES

At issue In Tuesday's suit are loans Wells Fargo made through a program that allows banks to originate, underwrite and certify mortgages for FHA insurance, according to the complaint. Under the so-called Direct Endorsement Lender program, neither the FHA nor HUD reviews a loan before it is approved for FHA insurance, but lenders are supposed to follow program rules.

Between May 2001 and October 2005, according to the complaint, Wells certified more than 100,000 loans for FHA insurance, even though the bank knew its underwriters had failed to verify information that was directly related to the borrower's ability to make payments.

"The extreme poor quality of Wells Fargo's loans was a function of management's singular focus on increasing the volume of FHA originations (and the bank's profits), rather than the quality of the loans being originated," the complaint said.

The bank also failed to properly train its staff, hired temporary workers and paid improper bonuses to its underwriters to encourage them to approve as many loans as possible, the complaint said.

During a 7-month stretch in 2002, at least 42 percent of the bank's FHA loans failed to actual qualify for the insurance they were submitted for, even though the bank's internal benchmark for such violations was set at 5 percent.

Wells also kept its defective loans secret from HUD, the complaint said. From January 2002 to December 2010, the bank internally identified more than 6,000 "materially deficient" loans, including 3,000 that had defaulted in the first six months, but did not comply with its self-reporting obligations, the complaint said.

Prior to October 2005, the bank did not self-report a single bad loan, and the inadequate reporting continued even after a HUD inquiry that year, the suit states. All told, from 2002 through 2010 the bank self-reported only 238 loans, according to the complaint.

Some of the mortgages Wells Fargo suspected of fraud but declined to report to HUD include loans it separately reported as suspicious activity to the U.S. Treasury Department, according to the suit.
The complaint seeks treble damages and penalties for hundreds of millions of dollars in insurance claims already paid to Wells Fargo, as well as penalties on claims HUD may pay in the future.

Citi, in its settlement, paid $158 million to resolve allegations that a "substantial percentage" of around $200 million in insurance claims failed to meet FHA requirements.

The Wells Fargo complaint also includes specific allegations that the lender failed to report another $190 million in loans it should have flagged as potentially problematic to HUD, which potentially adds to any eventual payout from the bank.

The lawsuit adds to the growing number of civil cases the government has filed targeting conduct that allegedly contributed to the financial crisis.

The Justice Department has indicted few individuals and institutions on criminal charges for roles in the collapse, and officials have said prosecutors determined much of the conduct amounted to greed but not crimes.

A joint federal-state task force set up earlier this year to continue to probe conduct tied to the 2007-2009 crisis has also acknowledged the bulk of its inquiries are under civil law.

(Reporting by Rick Rothacker in Charlotte, N.C. and Aruna Viswanatha in Washington; Editing by Matthew Lewis and Tim Dobbyn)

Source: http://news.yahoo.com/u-files-mortgage-fraud-lawsuit-against-wells-fargo-202947891--finance.html

Massive Resignations Have Started

Recently, the WhiteHats released this video of Lord James of BlackHeath urging the House of Lords to conduct an investigation related to a possible bank heist to the tune of US$ 16 Trillion. This is a very significant measure as it is now put on public record those “wild rumors” being passed around in the alternative media. The White Dragon Society represented by Ben Fulford is also confirming that a March 31st deadline has been set by the Gnostic Illuminati against the Khazarian Satanic Cabal to transfer power over to Prince Harry to effect Global Settlements.

Source: http://eclinik.wordpress.com/2012/02/21/massive-resignations-have-started/

How a financial coup d'etat works

Trillions of dollars are missing from the US government. What's going on? Where is the money? How could this happen? Where are the checks and balances? How much more has gone missing? What would happen if a corporation failed to pass an audit like this? Or a taxpayer? Who is responsible for this? Would your banks continue to handle your bank account if you behaved like this? Would your investors continue to buy your securities if you behaved like this? Learn more: Catherine Austin Fitt's Solari Report

Rats Leaving the Ship:

Rats Leaving the Ship: Banking Families Are Disappearing

At the 52 minute mark in this February 8, 2012 interview from Project Camelot of Jay Weidner, Kerry Cassidy states, "One thing, which is we got word, is that the contractors in the Boston area are exchanging among themselves that houses are starting to be emptied, and what are in essence banking families are just disappearing, altogether, they're just abandoning their houses..."
Kerry also mentions John Kettler, who has been making some accurate predictions.
John Kettler's website

Massive Wave Of Bankster Resignation

World Bank CEO Zoellick resigns
World Bank President Robert Zoellick said Wednesday he is stepping down, raising the possibility that a non-American might be chosen for the first time to head the 187-nation lending organization. Zoellick, 58, informed the board he will leave June 30 at the end of a five-year term, during which he led the bank’s response to the global financial crisis. Read more: Link
Anz Bank CFO Australia resigns
The chief financial officer of Australia & New Zealand Banking Group Ltd. announced recently that he will resign from the position, a move that will reportedly lead to a significant executive shuffle.
According to MarketWatch, CFO Peter Marriott says he plans to pursue a non-executive career after spending 15 years as the bank's finance chief. Marriott will officially leave the financial institution on May 1, at which time institutional banking head Shayne Elliott will reportedly take over the role.
Nicaraqua Central Bank Pres Rosales resigns
Nicaragua’s Central Bank President Antenor Rosales quit amid differences with President Daniel Ortega over plans to use central bank reserves for the creation of a regional bank for a Venezuelan-led bloc of Latin American nations, known as Alba.
Credit Suisse Chief Joseph Tan resigns
Joseph Tan, chief Asian economist of Credit Suisse Group AG’s private bank in Singapore has resigned. “I have left Credit Suisse,” Tan, who joined the Swiss bank in September 2008, said. “I’m considering my options at the moment.”
GERMAN PRESIDENT Christian Ruff resigns
Germany's president resigned in disgrace yesterday after failing to gag newspapers investigating him over political favours. The resignation of Christian Wulff – a victory for Press freedom – is an embarrassing blow to Chancellor Angela Merkel, who had hand-picked her political ally as president.
Royal Bank of Scotland Austrailin CEO Stephen Williams resigns
ANDREW Chick will step in to lead Royal Bank of Scotland's Australian arm after Stephen Williams quits the role. Mr Williams confirmed yesterday that he will relinquish his position in three to six months
Kuwait Central Bank CEO resigns
The head of Kuwait’s central bank of more than 25 years has resigned, state media said Monday, in the latest shake-up among the Gulf nation’s veteran policymakers as political tensions grow. The official Kuwait News Agency said Sheik Salem Abdulaziz Al Sabah, a member of the Gulf nation’s ruling family, has stepped down after serving as Central Bank governor since 1986.
Slovenia TWO largest Banks CEO's (2) resign
Nova Ljubljanska Banka d.d. and Nova Kreditna Banka Maribor d.d., Slovenia’s two largest banks, are without chiefs as they struggle with mounting bad loans.
Andrej Plos, the chief executive officer of Nova Kreditna Banka Maribor, who took the helm of Slovenia’s second-biggest bank in January, offered his resignation today without giving a reason. Bozo Jasovic, the CEO of the larger Nova Ljubljanska Banka d.d. stepped down in December over the bank’s attempt to sell the holding in retailer Mercator Poslovni Sistem d.d. to the Croatian rival Agrokor d.d.
Bank of India CEO Chaturvedi resigns
Mumbai:Amitabh Chaturvedi quit as managing director and chief executive officer (CEO) of private sector lender Dhanlaxmi Bank Ltd on Monday, following alleged differences with the bank’s board on a range of issues relating to business strategies. P.G. Jayakumar, the bank’s executive director, took over as the new managing director and CEO, according to a release from the bank.
Tamilnad Mercantile Bank CEO resigns
A couple of days after Dhanlaxmi Bank's chief executive resigned, the top post in Tamilnad Mercantile Bank has also become vacant. A K Jagannathan, managing director and chief executive of the Tuticorin-based, old generation private bank, put in his papers on Thursday, citing personal reasons.
All of these events are related to a rare astrological alignment:
Expect HUGE Changes With Upcoming Rare Astrological Alignment!
Also, check out: Message from the GFL: Mass Arrests This Week

Are you ready for the ride of your life? Here we go!

White Hats and Lord James of BlackHeath Deliver a Death Blow to The Cabal

Lord James of Blackheath calls for an investigation in the House of Lords in London on February 16 2012, using evidence gathered by the White Hat organization on banking corruption to the tune of 16 trillion dollars.

Systematic Destruction of “Our” Legal System

The Banking Crisis Represents The Destruction of “Our” Legal System

Banks are demonstrating that if you have enough money and influence, you’re not expected to follow the same laws as everyone else.

For several years, I have been writing that extreme economic inequality is among the most destructive forces in a society. As inequality grows, it undermines the effective functioning of the economy, the basic tenets of capitalism, and the foundations of democracy.

Unfortunately, the housing crisis and now the housing settlement increasingly look like an example of how these mechanisms work.

One of the central characteristics of highly unequal societies is that two sets of laws develop: One set for the rich and powerful and one set for everyone else. The more unequal societies become, the more easily they accept the unacceptable, and with each unrebuked violation, the powerful actors at the top of the society gain an ever greater sense of entitlement and an ever greater sense that the laws that govern everyone else don’t apply to them. As a result, their behavior becomes increasingly egregious.

I would suggest that the robo-mortgage scandal is a strong indicator that this type of unequal justice is now becoming ever more commonplace in America. Past bank abuses are typically discussed without a sense of outrage. They have, in effect, become a recognized practice of deception with no consequences. Here are three prominent examples from the past few years:

First, the robo-mortgage scandal was discovered. As powerful members of society, the banks effectively decided what laws they wanted to follow and disregarded others. The banks claimed that their violations were technical and harmed no one. Nonetheless, the activities of the banks constituted massive fraud, perjury, and conspiracy. Bank officials have testified in court that they filed as many as 10,000 false affidavits a month. These are effectively undeniable admissions of law-breaking on a massive scale.

It’s a federal crime, punishable by up of five years of imprisonment, to knowingly file a false affidavit with the court. From the perspective of the law, you are guilty of the same perjury when you falsely testify in court or when you submit a false affidavit. In most states, filing false affidavits with the court similarly constitutes a felony offense of perjury.

 timothymccandless | February 19, 2012 at 8:07 am | Categories: I Have a Plan | URL: http://wp.me/pjHsx-14c