Unsecured Debt Can Be Terminated
Debts can be purged using the Fair Debt Collection Practices Act. Credit history
can be restored by using the Fair Credit Reporting Act. Creditors can be defended
against with knowledge of simple contract law, Generally Accepted Accounting
Principles, rules of court and the basis that banks do not loan anything. Debt
collectors can be defended against with the basis that an assignee cannot
establish any contractual nexus to enforce a claim.
Banks are prohibited from loaning. They can’t loan other depositor’s money
because of the matching principle under GAAP. They can’t loan out nor risk any of
their own assets because of Federal Reserve regulations.
In order to accept a credit application or promissory note, the banks must convert
the customer’s note into a check and give it back to him. Only they can do this
because they have a monopoly on negotiable instruments. It is the customer who
creates the currency and funds the line of credit to himself. The customer is the
depositor (creditor). The banks conceal this fact by carrying out what appears to
be a loan approval process for each customer. There is no loan from the bank.
The object in defending yourself against a creditor that has not assigned the
account to a debt collector is to manipulate the creditor into a new agreement
and/or force the account into collections.
The creditor can be sent a notice of final payment with the expectation that the
creditor will not dispute the payment or its terms in writing, thereby accepting it
as payment in full. When the final payment is accepted, and the creditor has
failed to respond or object to the notice of final payment, it makes it very difficult
for them to maintain a claim against the account holder.
In practice, the creditor will call you to ask about late payments. It is prudent to
take a record of the caller’s name, company, mailing address, and phone and fax
numbers, date and time of call, and then request that the caller limit
communications with you only to writing. It is best to disconnect the call after
obtaining this information and then to send a written correspondence making the
same request.
as payment in full. When the final payment is accepted, and the creditor has
failed to respond or object to the notice of final payment, it makes it very difficult
for them to maintain a claim against the account holder.
In practice, the creditor will call you to ask about late payments. It is prudent to
take a record of the caller’s name, company, mailing address, and phone and fax
numbers, date and time of call, and then request that the caller limit
communications with you only to writing. It is best to disconnect the call after
obtaining this information and then to send a written correspondence making the
same request.
If the calls continue, you can do this again or make a complaint with your state’s
attorney general’s office.
In most cases, the creditor will assign the account to collections. Once this
happens, the third party collection efforts are regulated under the Fair Debt
Collections Practices Act.
The debt can be assigned, but that doesn’t automatically mean that you have a
contract with the new 3rd party debt collector; in fact you don’t as long as you
don’t contract with them by acquiescence.
The third party assignee usually has no agreement with the debtor, so in order to
recover the loss that it chose to incur; it needs the debtor’s consent. This is
usually obtained by deceit, by tricking the debtor into accepting a new obligation.
You can request from them a validation of the purported debt. This they’re not
going to be able to fully respond to – the collector never provided any services or
products, neither is there an automatic obligation for you to pay.
When the collector responds with anything but some written agreement, evidence
of your consent or evidence of consideration (e.g. payment), they have failed to
validate.
Most collectors who receive this request will never pursue the collection.
If the collector persists in ignoring your request for validation, a complaint to the
Federal Trade Commission may be appropriate. Just listing the address for the
FTC on the second notice is likely to get positive results.
Get the full process with form and how to manual included in the Secured Party Creditor Pack..
THE BAR CARD
AS PER THE UNITED STATES SUPREME COURT;
The practice of Law CAN NOT be licensed by any state/State. (Schware v. Board of Examiners, 353 U.S. 238, 239)
The practice of Law is AN OCCUPATION OF COMMON RIGHT! (Sims v. Aherns, 271 S.W. 720 (1925))
The "CERTIFICATE" from the State Supreme Court:
ONLY authorizes,
To practice Law "IN COURTS" as a member of the STATE JUDICIAL BRANCH OF GOVERNMENT.
Can ONLY represent WARDS OF THE COURT, INFANTS, PERSONS OF UNSOUND MIND (SEE CORPUS JURIS SECUNDUM, VOLUME 7, SECTION 4.)
"CERTIFICATE" IS NOT A LICENSE to practice Law AS AN OCCUPATION, nor to DO BUSINESS AS A LAW FIRM!!!
The "STATE BAR" CARD IS NOT A LICENSE!!! It is a "UNION DUES CARD".
The "BAR" is a "PROFESSIONAL ASSOCIATION."
1. Like the Actors Union, Painters Union, etc.
2. No other association, EVEN DOCTORS, issue their own license. ALL ARE ISSUED BY THE STATE.
It is a NON-GOVERNMENTAL PRIVATE ASSOCIATION.
The State Bar is;
An Unconstitutional Monopoly.
AN ILLEGAL & CRIMINAL ENTERPRISE;
Violates Article 2, Section 1, Separation of Powers clause of the U.S Constitution.
There is NO POWER OR AUTHORITY for joining of Legislative, Judicial, or Executive branches within a state as the BAR is attempting. "BAR" members have invaded all branches of government and are attempting to control de jure governments as agents of a foreign entity!
It is quite simple to see that a great fraud and conspiracy has been perpetrated on the people of America. The American Bar is an offshoot from London Lawyers' Guild and was established by people with invasive monopolistic goals in mind. In 1909 they incorporated this TRAITOROUS group in the state of Illinois and had the State Legislature (which was under the control of lawyers) pass an unconstitutional law that only members of this powerful union of lawyers, called the "ABA," could practice law and hold all the key positions in law enforcement and the making of laws. At that time, Illinois became an outlaw state, and for all practical purposes, they seceded from the United States of America.
The "BAR ASSOCIATION" then sent organizers to all the other states and explained to the lawyers there how much more profitable and secure it would be for them, as lawyers, to join this union and be protected by its bylaws and cannons. They issued to the lawyers in each state a charter from the Illinois organization. California joined in 1927 and a few reluctant states and their lawyers waited until the 1930's to join when the treasonous Act became DE FACTO and the Citizen's became captives.
Under this system, the lawyers could guarantee prejudged decisions for the privileged class against the lower class. This was all made possible by the AMERICAN BAR ASSOCIATION to favor the right and have unlawfully substituted them in place of Constitutional Laws. The Constitution was written in plain English and the Statutes passed by Congress were also in plain English, with the intent of Congress how each law should be used and not the opinions of various Judges as the codes list. Any normal person can read the Constitution and Statutes and understand them without any trouble.
The public in California was shocked to learn that the State Government has no control or jurisdiction over the Bar Association or its members. The state does not accredit the law schools or hold Bar examinations. They do not issue state licenses to LAWYERS. The Bar Association accredits all the law schools, holds their private examinations and selects the students they will accept in their organization and issues them so-called license but keeps the fees for themselves. The Bar is the only one that can punish or disbar a Lawyer.
They also select the lawyers that they consider qualified for Judgeships and various other offices in the State. Only the Bar Association, or their designated committees, can remove any of these lawyers from public office. The State Legislature will not change this system as they are also a designated committee of the Bar. On August 21, 1984, Rose Bird, Chief Justice of the California State Supreme Court, another of the Bar Associations Judicial Committee's, stated in essence, that the Bar should determine the legality of all initiatives before they were allowed to go on the ballot.
This is contrary to both State and Federal Constitutions, as well as the Laws of this Nation instituted By and For the People as a Sovereign UNITY of Independent States of We The People, not a fraudulent Corporate entity of Lawyers. This is a tremendous amount of power for a PRIVATE union that is incorporated and headquartered in Illinois to hold over the Citizens of California or any other state. The only recourse is through this initiative process and vote by the people.
After the Founding Fathers had formed the Constitution, outlining the laws as to the way our government was to be run, Thomas Jefferson said, in essence, "This proves that plain people, if given the chance, can enact laws and run a government as well as or better than royalty and the blue bloods of Europe." The American people must stop thinking that lawyers are better than they are and can do a better job than they can before the courts of America.
Under the Common Law and the Laws of America, no where is it expressly given for anyone to have the power or the right to form a Corporation. "Corporations" are given birth because of ignorance on the part of the American people and are operating under implied consent and power which they have usurped and otherwise stolen from the people. By RIGHT AND LAW THEY HAVE NO POWER, AUTHORITY, OR JURISDICTION, and must be put out of business by the good Citizens of America in their fight for FREEDOM.
The U.S. Constitution GUARANTEES to every state in this union a REPUBLICAN FORM of government. Any other form of government is FORBIDDEN. No public officer or branch of government can be limited to a RULING CLASS of any kind, or the states become ARISTOCRACIES and NOT Republics. Also, the lawyers have made themselves 1st Class Citizens, where many public offices and branches of government are open to lawyers only.
All other people are limited to only two branches of government and to only certain offices in those two branches of government, making all people who are non-lawyers into 2nd class subject citizens. When the courts belong to the people, as the United States Constitution REQUIRES, (Article IV, Section 4, we the people, will NEVER rule against themselves.) In these Unconstitutional foreign tribunals "courts" (hoodlum centers), "men" in black dresses, that are Unconstitutional ROBES OF NOBILITY. (Article 1, Section 9 and 10) dispense a perverted ideology, where the people are terrorized by members of the BLACK ROBE CULT (lawyers and lawyer judges in the courtrooms).
The legislative branch of government does NOT have the Constitutional Power to issue Court Orders or any other kind of Orders to the people, as a "fiction court" or a "court/corporation for profit and gain" cannot reach parity with a lawful man. ONLY Presidents and Governors have the Constitutional Power to grant PARDONS, but lawyers and lawyer-judges are unconstitutionally granting PARDONS with "immunity from prosecution."
Citizens are not permitted to act like people in the courts. The Citizen (2nd class) is told that he does not know how to fill out fancy lawyer forms; that he is not trained in the law; that he does not know court rules and procedures; etc. This is Unconstitutional "lawyer system," only HEARSAY SUBSTITUTES (lawyers) NOT under oath, have access to the fiction/for profit and gain courts, even though ONLY sworn testimony and evidence can be presented in court. Anything else is "Bill of Attainder," NOT permitted under the U.S. Constitution (Article 1, Sections 9 and 10).
The U.S. Constitution does NOT give anyone the right to a lawyer or the right to counsel, or the right to any other HEARSAY SUBSTITUTE. The 6th Amendment is very SPECIFIC, that the accused ONLY has the right to the ASSISTANCE of counsel and this ASSISTANCE of counsel CAN BE ANYONE THE ACCUSED CHOOSES WITHOUT LIMITATION.
LAWYERS and LAWYER-JUDGES: Created Unconstitutional "lawyer system" pre-trial "motions" and "Hearings" to have eternal EXTORTIONISTIC litigation's, which is BARRATRY and also is in violation of the U.S. Constitution, and Article 1, as this places defendants in DOUBLE JEOPARDY a hundred times over. Defendants only have a right to A TRIAL, NOT TRIALS. When a criminal is freed on a TECHNICALITY, HE IS FREED BECAUSE OF A FIX and a PAY-OFF, as a defendant can only be freed if found innocent BY A JURY NOT BY ANY "TECHNICALITY."
Whenever a lawyer is involved in a case directly or indirectly, as a litigant or assisting in counsel, ALL LAWYER-JUDGES HAVE TO DISQUALIFY THEMSELVES, AS THERE CANNOT BE A CONSTITUTIONAL TRIAL and also there would be a violation of the conflict of interest laws, along with the violation of separation of powers and checks and balances, because "OFFICERS" OF THE COURT ARE ON BOTH SIDES OF THE BENCH.
These same LAWYER-JUDGES are awarding or approving LAWYER FEES, directly and indirectly, amounting to BILLION OF DOLLARS annually, all in violation of conflict of interest laws. As long as there are lawyers, there will never be any law, Constitution or Justice. There will only be MOB RULE, RULE BY A MOB OF LAWYERS.
CASE "LAW" IS UNCONSTITUTIONAL: As CASE "LAW" IS ENACTED BY THE JUDICIAL BRANCH OF GOVERNMENT. When a lawyer-judge instructs, directs, or gives orders to a jury, the lawyer-judge is TAMPERING WITH THE JURY. He also tampers with testimony when he orders the answers to be either "Yes" or "No." The lawyer-judge also tampers, fixes, and rigs the trial when he orders anything stricken from the record, or when he "rules" certain evidence and the truth to be inadmissible.
This makes the trial and transcript FIXED and RIGGED, because the jury does not hear the REAL TRUTH and ALL THE FACTS. Juries are made into puppets by the lawyers and lawyer-judges. All lawyers are automatically in the judicial branch of government, as they have the Unconstitutional TITLE OF NOBILITY (Article 1, Section 9 and 10), "Officer of the Court." Citizens have to be elected or hired to be in any branch of government, but non-lawyer Citizens are limited to only two of the three branches of government. Lawyers, as 1st class citizens, can be hired or elected to any of the three branches of government.
Lawyers, "Officers of the Court," in the Judicial Branch, are Unconstitutionally in two branches of government AT THE SAME TIME whenever they are hired or elected to the executive or legislative branches. This is a violation of the separation of powers, checks and balances, and the conflict of interest laws. District attorneys and State's attorneys have taken over the Grand Juries FROM the people, where the people are DENIED ACCESS to the Grand Juries when they attempt to present evidence of crimes committed in the courtrooms by the lawyers and lawyer-judges.
The U.S. Constitution, being the Supreme Fundamental Law, is not and CANNOT be ambiguous as to be interpreted, or it would be a worthless piece of paper and we would have millions of interpretations (Unconstitutional amendments) instead of the few we have now. That is why all judges and public servants are SWORN TO SUPPORT the U.S. Constitution, NOT interpret it.
Under INTERNATIONAL ORDERS: ALL LAWYERS, whether they left law school yesterday or 50 years ago, are EXACTLY THE SAME. All lawyers have to file the same motions and follow the same procedures in using the same Unconstitutional "lawyer system". In probate, the lawyers place themselves in everyone's will and estate. When there are minor children as heirs, the lawyer-judges appoint a lawyer (a child molesting Fagin) for EACH CHILD and, at times, the lawyer fees EXCEED the total amount of the estate.
An OUTRAGEOUS amount of TAX "MONEY" is directly and indirectly STOLEN BY LAWYERS. Money that is budgeted to County/City/Borough Boards, School Boards and other local and federal agencies eventually finds its way into the pockets of lawyers, as ALL of these agencies are "TRICKED" and "FORCED" into ETERNAL EXTORTIONISTIC LITIGATION.
In the state of Alaska and Hawaii, the BAR ASSOCIATION has mandated that all judges are to be licensed to practice law (e.g. Alaska Constitution, Article IV, Section 4). This license requirement is not found in any other state of the Union. As all licenses to practice law in the state of Alaska and Hawaii are issued by a judge, what judge is qualified to issue a license to practice law to another judge? As only members of the Bar may be licensed to practice law (e.g. A.S. 08.08.020), Alaska and Hawaii judges are REQUIRED to be members of the BAR and as such, they are prejudiced to do the business of the BAR. If a judge is required to be a member of the BAR, who disqualifies the judge from office if that judge does not pay the dues or violates the rules of the BAR? Every state in the Union (with the exception of Alaska and Hawaii) "prohibits" judges from holding licenses to practice law.
The Birth Certificate Trap: Are You a Federal Slave?
What if your birth certificate isn’t a proud record of your arrival but a contract enslaving you to a corporate government? In 1921, the Sheppard-Towner Maternity Act launched the birth registration system, sold to Americans as a way to protect mothers and infants. The truth? It created a federal birth registry, turning your children into “federal children” owned by a bankrupt United States. You’re not a free citizen—you’re human capital, tagged and tracked like livestock. Ready to uncover the deception? Let’s dive in.The Maternity Act: A Wolf in Sheep’s ClothingPassed in 1921, the Sheppard-Towner Maternity Act promised to reduce maternal and infant mortality. Its hidden agenda was far darker: establishing a federal bureau to oversee state agencies and create a national birth registry. Before 1921, births were recorded in family bibles, accepted as official by law and community. Post-1921, states mandated birth certificates, claiming they prove U.S. citizenship. No federal law requires this, yet a Social Security number—another tracking tool—is now issued at birth.Under the doctrine of parens patriae (“parent of the nation”), the federal government claims authority over your children, acting as their guardian. It can nullify your parental rights, appoint trustees, and treat your child as a state asset. Why? Because the birth certificate creates a trust, with your child as the asset, and the Social Security number tracks its value. You’re no longer a parent—you’re a custodian of government property.Bankruptcy and Betrayal: The 1933 PledgeIn 1933, President Roosevelt declared bankruptcy, and the governors of the 48 states pledged the “full faith and credit” of their citizens—including you and your children—as collateral for Federal Reserve loans (see U.S. Const., Art. IV, Sec. 1). Your child’s birth certificate became a security, traded like a bond, with you as the unwitting surety. The state claims an interest in every child, viewing them as “human resources” to be trained, taxed, and exploited for labor. Each year, a new crop of assets is born, fueling this corporate machine.The Legal Fight: A Lost Battle?In 1923, Massachusetts challenged the Maternity Act’s constitutionality in Commonwealth of Massachusetts v. Mellon and Frothingham v. Mellon. The plaintiff argued the act usurped state powers under the 10th Amendment, imposing federal oversight on maternity and infancy issues. It warned of forced pregnancy registration, mandatory prenatal exams, restrictions on midwives, and even compulsory birth control or marriage inspections. The Supreme Court dismissed the case, ruling that the act imposed no direct burden on states, only taxing citizens—who fall under both state and federal taxing powers. The act was repealed, but its core mechanisms persist in other laws, entrenching federal control.The Court’s reasoning ignored the act’s deeper intent: to erode state sovereignty and individual rights. It set a precedent for federal overreach, allowing bureaucrats to tax and regulate under the guise of cooperation, without true consent (see McCulloch v. Maryland, 17 U.S. 316; Hammer v. Dagenhart, 247 U.S. 251). Congress lacks authority to legislate for states, yet the system persists, unchallenged.The Modern Shackles: Tagged and TrackedToday, the government views you as “human resources,” not a free individual. From public school enrollment to driver’s licenses, you’re conditioned to seek “permission” for daily life in a supposedly free country. National ID cards, health IDs, and other tracking systems loom, treating you like tagged livestock. The Constitution hasn’t changed, but the government’s view of human life has—your liberty is an illusion, enforced by a system that profits from your ignorance.Break the Chains: Reclaim Your FreedomYou’re not powerless. The 10th Amendment reserves powers to the states and people, not the federal government. Demand proof of their authority to treat you as property—where’s the contract? File a UCC Financing Statement to claim your strawman (the corporate YOU in all caps) as a secured party creditor, leveraging the trust created by your birth certificate. Research House Joint Resolution 192 (1933), which allows you to discharge debts using this trust. Write to your representatives, but don’t beg—demand your God-given rights. If they claim ownership over you, let them produce the evidence.The Great American Revolution isn’t over. If liberty is a lie, it’s time to write the final chapter. Will you remain a federal asset, or will you rise as a sovereign individual? The choice is yours—but you must act.
The Mortgage Fraud You Need to Understand
The federal government’s actions in 1933, coupled with the structure of the Federal Reserve and mortgage systems, have created a deceptive financial framework that exploits Americans. Understanding this fraud is critical to protecting your rights and assets.The 1933 Bankruptcy and Negotiable Debt InstrumentsIn 1933, during a staged event called the Great Depression, the federal government removed America from the gold standard, replacing it with negotiable debt instruments. This manufactured crisis, designed by behaviorists, stripped citizens of their food, comfort, and safety to make them compliant, accepting illusions of value as long as basic needs were met. President Roosevelt, through an unconstitutional Executive Order, collected America’s gold and sold it to the Vatican via China to hide its true ownership. The gold in Fort Knox belongs to the Vatican, not the United States. With no gold base, commerce now trades in debts. When you borrow for a mortgage, you receive no real value—just debt instruments—yet the mortgage company demands repayment with interest, committing fraud by lending nothing.How Mortgages Work: The Promissory Note ScamAt your mortgage closing, you sign a Promissory Note, pledging your sweat, equity, and credit against an imaginary balance. Unbeknownst to you, the mortgage company sells this note to a warehousing institution like Fannie Mae or Freddie Mac, which uses it as collateral to generate loans with interest. Corporations, lacking their own money or credit, rely on your note to function. The warehousing institution profits from your credit, creating new debt instruments with buying power in this negotiable debt economy, sustained by public ignorance. You receive no share of these profits, despite the mortgage company investing nothing. Their foreclosure threats are fraudulent, designed to sustain corporate governments and keep you under control through fear of losing comfort and independence.Additional Layers of Fraud
“Capital must protect itself through combination and legislation. Debts must be collected, loans and mortgages foreclosed promptly. When people lose their homes, they become tractable, governed by the strong arm of law under the control of leading financiers. People without homes won’t quarrel with their leaders. By dividing the people, we secure what has been planned and accomplished.”
- Credit Checks: Mortgage companies charge points for credit blemishes, labeling you a “credit risk” or “obedient slave” based on your credit report. Yet, all promissory notes are sold for the same value, regardless of credit, as your status as a living person is what matters.
- Dual Bookkeeping: Mortgage companies maintain two sets of books. Locally, they record a loan you must repay with interest. In another state, a bank records your payments as savings deposits, as no real loan exists. After paying off the mortgage, the bank waits 90 days, claims the funds as abandoned, and, with IRS approval, keeps your money, enriching wealthy families like the Rockefellers and Rothschilds.
- The Federal Reserve is a private banking system created by foreign interests.
- The entire U.S. national debt is owed to the Federal Reserve.
- Its twelve member banks act as depositories and fiscal agents of the U.S.
- Federal Reserve banks cannot lend their own assets or depositors’ money (12 CFR 226.17(c)(1)).
- Your signed promissory note creates currency, funding your mortgage.
- Only banks accept promissory notes due to their monopoly on negotiable instruments.
- Failure to disclose these facts voids the mortgage note.
- Unsecured debts assigned to collectors are unenforceable without your consent.
- Banks must repay the full value of your note and credit limit, minus fees and interest.
- These facts apply to both secured (e.g., mortgages, credit cards) and unsecured accounts.
- No penalties exist for refusing to disclose a Social Security Number (26 CFR 301.6109-1(c)).
- Credit reports, created by the FTC, monitor Americans and allow banks to punish without legal oversight.
“Capital must protect itself through combination and legislation. Debts must be collected, loans and mortgages foreclosed promptly. When people lose their homes, they become tractable, governed by the strong arm of law under the control of leading financiers. People without homes won’t quarrel with their leaders. By dividing the people, we secure what has been planned and accomplished.”