You can OID any funds that go out of your bank account – and get them back.

IRS works for creditors.  IRS has forms that allow you to be a creditor and acquire funds that are in escrow.  An outstanding balance, for instance, on an American Express card is in escrow.  The funds are there – you just have to tell the IRS with the proper tax filings to access those funds and pay that guy off with them or return those funds to me.

You can OID any funds that go out of your bank account – and get them back.  Acquire escrow funds with a 1099-A.

If you file a 1099-OID as Recipient, those get reported on a 1040 if you want to get the funds returned.  1099-As don’t get reported; neither do OIDs when you’re the Payor.  i1040 is available on the IRS website; it gives line by line instructions for the 1040.

State tax is in an escrow account, so you use a 1099-A to say use those escrow funds to pay this debt – or you could send the obligation to the Treasury with a money order to pay the debt.  Or you can go to the bank; get a pre-approved transaction through Treasury; start a TT&L (Treasury, Tax & Loan) transaction, bond the account and tell the bank to hold the funds in escrow; send a notice to the State taxing agency that the funds are being held in escrow and as soon as they get a 0 balance that the funds will be released to the State taxing agency.  There are many ways that can work; some certainly are more preferred than others.

Act as a creditor in all aspects of life, even and especially spiritually.  Then your potential of creating solutions is infinite.

Whatever you claim back does not get added to the public debt.

Creditors correct all filings and report properly to the IRS.  Debtors are taxed; creditors aren’t.  Creditors don’t take benefits or privileges or exemptions (on a tax form) or deductions; creditors simply get a return of their interest, all of it.  Creditors have 0 exemptions and no filing status.

All judges and attorneys are members of the BAR and work for the Crown – that’s why they have a title of nobility (esquire).  It’s OK to have attorneys because the States lost their sovereignty.  It’s up to the attorneys and judges and the IRS to make sure that the creditors get their stuff.

Get transaction pre-approved through the Treasury and then bring them into the bank.

You can then, at the least, sit on your security interest and then the bank and you are in a stalemate.

California is a trust deed state.  When you buy a house, you fill out a deed of trust (contract, lien) and then there’s the grant deed (title, with only your name on it).  You are the trustor (grantor) of the deed of trust (you created the trust).  You made the title company the trustee and you made the bank the beneficiary.

The only trust that a grantor does not have control over, ultimately, is an irrevocable trust.  A deed of trust is revocable.  You can record a document at the County Recorder reshaping the trust.  Make yourself the beneficiary and someone else (friend) the trustee – here’s the new trust.  They no longer have a security interest in your property.

Now the title company has no authority to sell it.  Still at a standstill but the account is still not closed and you want the accounts closed.  You have the grant deed in your name.  Even after the bank’s interest has been sold, you have to sign a quit-claim deed before they can sell the property.  If you don’t sign a quit-claim deed, they can’t touch the property because you’re the one on the grant deed.

Please listen

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HOME MORTGAGES: What you need to know.

Whenever you apply for a loan, you are requested to sign a Promissory Note for the total amount of the loan. Then a Payment Account is established. The Promissory Note is never endorsed by a member of the Financial Institution so that it can be sold without your permission. Three days later, the original promissory note, signed in ink, is sold to another Institution or Foreign Government, who will COLLATERALIZE it or use it like a BOND and issue currency or loans against it.

Why the three days? It is because you have the right to withdraw from or cancel any contract within three days of acceptance. It is about the only right we have left and it may be found under the, Truth in Lending Act!

All that matters to the Bank, is that you are a flesh and blood human being and that you have affixed your signature to a Promissory Note! They don’t care if you have a great credit score or a poor one! Flesh and Blood Human Beings, technically own everything, and all Corporations are fictional companies that have no value and cannot function until some HUMAN BEING blows life into them! The Promissory Notes each sell for the same value!

Since the Promissory Note was sold without your permission, your Mortgage Debt to them is actually [paid in full] but they never tell you about that! In fact, the Bank also sells your repayment plan to an investor or another Bank for much less, and agree to manage the payments for them. Most Banks now employ a middle company to collect your Mortgage payment. They do this because your Mortgage and repayment plan is not reflected on the Banks Bookkeeping and under Federal and International Law, it is supposed to! So the middle companies act as a buffer and keeps them out of trouble!

Since the Banks can’t legally make loans against their depositor’s assets, everything is just a, Paper Chase! Your payments are deposited into the investor’s account who purchased it and if it involves another Bank, your payment is transferred to that Bank where it is deposited into a savings account, under a number instead of your name!

The reason the account is numbered, is because it is really your savings account! You don’t owe them a debt and so they conceal your payments as a numbered savings account! If they included your name, they would have to mail you a monthly accounting and that would tip you off!
So any foreclosure that might occur thereafter is totally bogus and unlawful because they cannot produce the Original Promissory Note! If demanded, they will produce a black and white photo copy but that is actually the Counterfeiting of a Negotiable Instrument unless it is reduced or enlarged! The point being that if they cannot produce the original Note, it was sold!

Given these circumstances, it was absolutely necessary for them to involve the Judges in their criminal conduct. Foreclosure Judges receive 10% of the original Promissory Note, after they authorize the Bank to steal and sell your assets in FORECLOSURE.

This process essentially makes the rich man richer and explains how the Banks can own the bulk of the skyscraper buildings, parcels of land and stadiums across America. In reality, we pay for our homes three times over its original purchase price without ever securing ownership. Mr. Warburg was a pretty ingenious fellow when he designed the Federal Reserve System and why we Americans always need to be two steps ahead of the Banks, Courts and lawyers!

According to the Constitution: The only way you can pay a debt is with silver or gold and since there is no silver or gold backed currency, the only thing we can do is to DISCHARGE our debts! A DISCHARGE is never a payment in full and it can be resold or borrowed against. Hence, lawyers purchase discharged debts for pennies on the dollar; open a collection company and hire people to harass you into paying that debt to them!

Remember that in all legitimate contracts you always received something of equal value from the company or person you borrowed from. Collection companies fail to provide you with anything of equal value and lie to you that they are collecting the debt on behalf of the original creditor!
The best way to handle a debt collector is to deny who you are and every question they ask ….....

The Bank did not Loan You Anything!

If banks do not pay out loans from the money they receive as deposits why hasn’t somebody sued them?

They have and won!

In First National Bank of Montgomery vs. Jerome Daly they were suing him for possession of his property. He took them to court. He was an attorney. He put the Federal Reserve Bank on the stand. He put the Bank on the stand. And he proved that the bank never loaned him their money. They simply created money out of thin air and gave it to him. That’s called no lawful consideration. They never gave lawful consideration. They never gave him any thing of value. They simply took his signature, monetized it, and gave it back to him in the form of a check.
So a bank instead of being a lender is a facilitator.
You instead of being a borrower in law you are a creator.
Try to prove this wrong in the Law of today.

In First National Bank of Montgomery vs. Jerome Daly in The Justice Court of State of Minnesota Court Of Scott Township Of Credit River Justice Martin V. Mahoney the jury found:
That the Plaintiff is not entitled to recover the possession of Lot 19, Fairview Beach, Scott County, Minnesota according to the Plat thereof on file in the Register of Deeds Office.
That because of failure of lawful consideration, the Note and Mortgage dated May 8, 1964 are null and void.
That the Sheriff’s sale of the above described premisis held on June 26, 1967 is null and void, of no effect.
That the Plaintiff has no right title or interest in said premisis or lien thereon as is above described.
That any provision in the Minnesota Constitution and any Minnesota statute binding the Jurisdiction of this Court is repugnant to the Constitution of the United States and to the Bill of rights of the Minnesota Constitution and is null and void and that this Court has jurisdiction to render complete Justice in this Cause.
This is a perfect example of lawful consideration. Why haven’t more people done this in courts today? Because the judges are unwilling to stand up against the banks. The judge in this particular case ended up dead 6 months later. You can draw your own conclusions. But please look up the Law, research it and understand what’s going on.

In every case across the country, if a bank loans you money they have violated the law by saying that they have loaned you money.

If someone personally loans you money and they take that money out of their pocket, that’s lawful consideration, but when a bank with its power to create money out of thin air loans you nothing and gets to take the asset of your home or your car or whatever back and sells it, that’s a bonus for the bank.

Sections 50, 51, and 52 of Am Jur 2nd “Actions” on page 584: – “No action will lie to recover a claim based upon, or in any manner depending upon a fraudulent, illegal, or immoral transaction or contract to which Plaintiff was/is a party.”

UNDERSTANDING YOUR CREDIT SCORES

I believe you first need to understand the purpose behind Credit Scores.  The Credit Scoring System is another slave driving program; that was devised by the Federal Reserve System and with the blessing of the High Contracting Powers.  Its purpose is to squeeze more cash out of borrowers and to force the public into becoming loyal conditioned slaves! 

    
First of all, when you apply for a mortgage, you are requesting a loan of their valueless currency, to purchase a home or automobile, which you can never own and upon which you pay a penalty, called Interest and Costs.  Those who are approved for a loan are watched closely to see if they have swallowed the fraud, “hook, line and sinker” and follow the repayment instructions fully! 

Those who can’t follow their directions; lost a job or financially over extended themselves are rated badly [credit scores] and are penalized severely then and whenever they apply again, called [points]. 

The personal information you provide to them when applying, is also sold to other Financial Institutions and Collection Agencies. They tell you NO, but unless you take the time to read all the fine print, they bluffed you again!  

Some merchandizing companies have or perform a type of collection process first as a courtesy and when you fail to bring your payments up to date, they discharge the debt and sell the discharged debt to Collection Agencies for pennies on the dollar! 

These Collection Agencies are all owned by Law Firms who hire people to contact you and attempt to collect the original debt plus penalties for them.  They do not represent the merchandizing company, they represent their own business and probably paid $25.00 for a $300.00 discharged debt.  If they can persuade you to begin making payments too them, that creates a contract between you and the collection agency, regarding a debt that no longer exists!  When a debt is discharged, it means that your agreement with that company is cancelled for good! Those lawyers really are pretty clever! 

If you are a compliant slave, your credit rating will be high and yet their really isn’t a difference between the borrower who has perfect credit and the borrower who has poor credit, It is all a corporate fraud to increase their wealth and deplete yours!

HOME MORTGAGES:  Whenever you apply for a loan, you are requested to sign a Promissory Note for the total amount of the loan.  Then a Payment Account is established.  The Promissory Note is never endorsed by a member of the Financial Institution so that it can be sold without your permission.  Three days later, the original promissory note, signed in ink, is sold to another Institution or Foreign Government, who will COLLATERALIZE it or use it like a BOND and issue currency or loans against it. 

Why the three days? It is because you have the right to withdraw from or cancel any contract within three days of acceptance.  It is about the only right we have left and it may be found under the, Truth in Lending Act!

All that matters to the Bank, is that you are a flesh and blood human being and that you have affixed your signature to a Promissory Note!  They don’t care if you have a great credit score or a poor one!  Flesh and Blood Human Beings, technically own everything, and all Corporations are fictional companies that have no value and cannot function until some HUMAN BEING blows life into them!  The Promissory Notes each sell for the same value!

Since the Promissory Note was sold without your permission, your Mortgage Debt to them is actually [paid in full] but they never tell you about that!  In fact, the Bank also sells your repayment plan to an investor or another Bank for much less, and agree to manage the payments for them.  Most Banks now employ a middle company to collect your Mortgage payment.  They do this because your Mortgage and repayment plan is not reflected on the Banks Bookkeeping and under Federal and International Law, it is supposed to!  So the middle companies act as a buffer and keeps them out of trouble!   

Since the Banks can’t legally make loans against their depositor’s assets, everything is just a, Paper Chase!  Your payments are deposited into the investor’s account who purchased it and if it involves another Bank, your payment is transferred to that Bank where it is deposited into a savings account, under a number instead of your name!
The reason the account is numbered, is because it is really your savings account!  You don’t owe them a debt and so they conceal your payments as a numbered savings account!  If they included your name, they would have to mail you a monthly accounting and that would tip you off!

So any foreclosure that might occur thereafter is totally bogus and unlawful because they cannot produce the Original Promissory Note!  If demanded, they will produce a black and white photo copy but that is actually the Counterfeiting of a Negotiable Instrument unless it is reduced or enlarged!  The point being that if they cannot produce the original Note, it was sold! 

Given these circumstances, it was absolutely necessary for them to involve the Judges in their criminal conduct.  Foreclosure Judges receive 10% of the original Promissory Note, after they authorize the Bank to steal and sell your assets in FORECLOSURE.

This process essentially makes the rich man richer and explains how the Banks can own the bulk of the skyscraper buildings, parcels of land and stadiums across America.  In reality, we pay for our homes three times over its original purchase price without ever securing ownership.  Mr. Warburg was a pretty ingenious fellow when he designed the Federal Reserve System and why we Americans always need to be two steps ahead of the Banks, Courts and lawyers!
 
According to the Constitution:  The only way you can pay a debt is with silver or gold and since there is no silver or gold backed currency, the only thing we can do is to DISCHARGE our debts!  A DISCHARGE is never a payment in full and it can be resold or borrowed against.  Hence, lawyers purchase discharged debts for pennies on the dollar; open a collection company and hire people to harass you into paying that debt to them! 

Remember that in all legitimate contracts you always received something of equal value from the company or person you borrowed from.  Collection companies fail to provide you with anything of equal value and lie to you that they are collecting the debt on behalf of the original creditor! 

The best way to handle a debt collector is to deny who you are and every question they ask …..

Your Public Debt is PRE-PAID!

Right now even though they have no legal right or claim or lien, the bankers hold the “title” to YOU through your birth certificate. You can regain control by simply filing a notice of lien against the birth certificate. Filing notices of lien is done every day. Banks regularly file notices of liens with the Department of Commerce to prove and establish their interest in all kinds of property… homes, cars, tools, equipment. This is done very simply by contacting the Secretary of State or Department of Commerce and filing a UCC-1 financing statement and listing the property as collateral on the statement. The same can be done with your birth certificate, which is your property. You and only you can file this notice of lien… You and only you can determine the value of the property. Since you are priceless in God's eyes the value of your UCC-1 should be UNLIMITED.
In this case, the “company” is the government. Because you “agreed” to work for the government, the company, for the rest of your life, the government (company) agreed to “pay” all of the debt you incur in your lifetime. Is that a bit of a surprise to you? It should be. No one has told you or showed you how use this information. In exchange for your birth certificate and your application for Social Security, which they used as collateral to reduce their debt with the bankers, the government (company) promised to pay your debts. You work on behalf of the US government AS COLLATERAL ON THE NATIONAL DEBT owed to the bankers.

Whatever your debt, it's actually prepaid.
That’s right, your debt is “prepaid” with what is known as “money of account.” There is no real substance or “money of exchange” such as gold or silver; only accounting adjustments and set offs. The US government agreed to do this for you with the passage of House Joint Resolution (HJR) 192 back in 1933 shortly after the National Emergency and Bank Holiday declared by President Roosevelt. You're already signed up for this program from birth; it’s just that no one told you about it, UNTIL NOW!
Like all good companies though, the US government offered to its “worker bees”, insurance benefits. They offered insurance to us if we would fill out an SS-5 form, also known as “Application for Social Security Benefits”. It's also the hook they use to get us to sign up as their collateral on the national debt. This all originated from the “Shepard Towners Maternity Act” that was to help new mothers with the care of their children if the mother was unwed. (This is why they ask for the maiden name of the mother on the “application for live birth”. All of us are considered to be “bastard children” with the government (company) as our “daddy”)
The SS-5 is really a Power Of Attorney (POA) for the company that issued the insurance benefit to You, the real man or woman. POA was assumed by the company, the government. When they established the new account they styled the name in ALL CAPS. Very few people normally sign their name in ALL CAPS. Your JOHN H. DOE is really a corporation. Print your name in ALL CAPS if you intend to express the name/ title of Your corporation. You'll find it on "your" driver's license, "your" social security card, "your" bank statement, "your" check blanks, "your" tax statements, etc. The Social Security number is evidence that there is an insurance policy. The benefit you are receiving is the privilege of an army, navy, police, fire protection, Medicaid, medicare, SSI, pension etc.
So far it has worked quite well for the government (company)… they just didn’t tell you how to go about getting your debt set off and how to access and use the pre-paid account, all the more money for their pet projects…wars of pre-emption, international intrigue, control and domination of the global markets, etc. You/ve perhaps read about this in the news or seen it on the evening news. You're letting them use your money for crimes against humanity.

"U.S. Legal History,"

 The USA, a corporation of the English Crown, is bankrupt, and has been since at least 1788. The Articles of Confederation states in Article 12: "All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress, before the assembling of the United States, in pursuance of the present confederation, shall be deemed as considered a charge against the United States, for payment and satisfaction whereof the said United States, and the public faith are hereby solemnly pledged."

The "Founding Fathers," as constitutors, acknowledged and reorganized the debt in the U.S. Constitution 1787, Article VI, hence "constitution." Bankruptcy occurred on January 1, 1788 based on 21 loans that the United States of America received from the King of England dating from February 28, 1778, through July 5, 1782, the repayment of which had been ratified by Congress on January 22, 1783.  The United States Bank, created in 1791, was a private bank, with 18,000 of 25,000 shares owned by England.

No de jure, constitutional Congress has existed since March 27, 1861, when seven (7) Southern States walked out of Congress leaving Congress without a quorum for adjourning and therefore ending sine die. That which is called "Congress" today assembles and acts under the authority of the President acting in capacity of being Commander-In-Chief of the Armed Forces, under emergency war-powers rule, i.e. "law of necessity," i.e. no law (see 12 Stat 319, which has never been repealed and exists in Title 50 USC §§ 212, 213, 215, Appendix 16, 26 CFR Chapter 1 § 303.1-6(a), and 31 CFR Chapter 5 § 500.701 Penalties).

Since the above-referenced date, March 27, 1861, Americans have been under Fascist rule via presidential executive order under the aforementioned Emergency War Powers, 12 USC 95 a, b. Every "citizen of t he United States" is now "legally" established as an "enemy" via the
Amendatory Act of March 9, 1933, 48 Stat. 1, amending Trading With Enemy Act of October 6, 1917, H.R. 4960, Public Law No. 91.

On December 6, 1865, the 14th Amendment was proclaimed as ratified (even though it never properly was, see below). The 14th Amendment, which is private Roman Catholic Ecclesiastical Trust Law, constitutes a constructive, cestui que trust, a public charitable trust (PCT) that was expressly designed to bring every corporate franchise artificial person called a "citizen of the United States" into an inseparable merging with the government until the two are united (with power held by the government, not the people). A cestui que trust is fundamentally different from a regular trust, which is express [clear, definite, explicit] in nature and consists of a contractual indenture involving three (3) parties: Grantor (Creator or Trustor), Trustee,
and Beneficiaries. In an express trust, legal ownership is transferred by written contract between Grantor and Trustee in which the Grantor surrenders ownership of property to the legal person, the Trust, to be managed by the Trustee on behalf of those who are to benefit from the arrangement, the Beneficiaries. A cestui que trust, on the other hand, differs from an express trust in several crucial ways:

a. It is not formed by express contract, i.e. overt agreement expressed in writing, but by legal construction, i.e. fiat.

b. A cestui que trust has no Grantor, but, being a constructive trust created by operation of law, i.e. by make-believe, has only co-trustees and co-beneficiaries. The co-trustees are the parties with the duties for managing property for the "public good," i.e. for the benefit of those designated as co-beneficiaries.

The Legislative Act of February 21, 1871, Forty-first Congress, Session III, Chapter 62, page 419, chartered a Federal company entitled "United States," a/k/a "US Inc.," a "Commercial Agency" originally designated as "Washington, D.C.," in accordance with the so-called 14th Amendment, which the record indicates was never ratified (see Utah Supreme Court Cases, Dyett v Turner, (1968) 439 P2d 266, 267; State v Phillips, (1975) 540 P 2d 936; as well as Coleman v. Miller, 307 U.S. 448, 59 S. Ct. 972; 28 Tulane Law Review, 22; 11
South Carolina Law Quarterly 484; Congressional Record, June 13, 1967, pp. 15641-15646). A "citizen of the United States" is a civilly dead entity operating as a co-trustee and co-beneficiary of the PCT, the constructive, cestui que trust of US Inc. under the 14th Amendment, which upholds the debt of the USA and US Inc. in Section 4 [of the 14th Amendment].

Birth Certificate Explained

Since the early 1960's, State governments — themselves specially created, juristic, corporate persons signified by all caps — have issued Birth Certificates to "persons" with legal fiction all-caps names. This is not a lawful record of your physical birth, but rather the birth of the juristic, all-caps name. It may appear to be your true name, but since no proper name is ever written in all caps (either lawfully or grammatically) it does not identify who you are. The Birth Certificate is the government’s self-created document of title for its new “property,” i.e. the deed to the juristic-name artificial person whose all-caps name “mirrors” your true name. The Birth Certificate brings the new all-caps name into colorable admiralty/maritime law, the same way a ship (and ship of state) is berthed.

When a child is born, the hospital sends the original, not a copy, of the record of live birth to the "State Bureau of Vital Statistics," sometimes called the "Department of Health and Rehabilitative Services" (HRS). Each STATE is required to supply the UNITED STATES with birth, death, and health statistics. The STATE agency that receives the original record of live birth keeps it and then issues a Birth Certificate in the corrupted, all-caps version of the baby’s true name, i.e. JAMES WILBER SMITH.
cer-tif-i-cate, noun. Middle English certificat, from Middle French, from Medieval Latinceruficatum. from Late Latin, neuter of certificatus, past participle of certificare, to certify, 15th century. 3: a document evidencing ownership or debt.-- Merriam Webster Dictionary (1998). 

The Birth Certificate issued by the State is then registered with the U.S. Department of Commerce -- the Executive Office -- specifically through their own sub-agency, the U.S. Census Bureau, which is responsible to register vital statistics from all the States. The word "registered," as it is used within commercial or legal based equity law, does not mean that the all-caps name was merely noted in a book for reference purposes. When a Birth Certificate is registered with the U.S. Department of Commerce, it means that the all-caps legal person named thereon has become a surety or guarantor, a condition and obligation that is automatically and unwittingly assumed unless you rebut the presumption by effectively noticing them: “It ain’t me.”

Surety. The person who has pledged him or herself to pay back money or perform a certain action if the principal to a contract fails, as collateral, and as part of the original contract. -- Duhaime's Law Dictionary.

1: a formal engagement (as a pledge) given for the fulfillment of an undertaking.
2: one who promises to answer for the debt or default of another.
Under the Uniform Commercial Code, however, a surety includes a guarantor, and the two terms are generally interchangeable.
Merriam Webster's "Dictionary of Law" (1996).
Guarantor. A person who pledges collateral for the contract of another, but separately, as part of an independently contract with the obligee of the original contract.
Duhaime's Law Dictionary.

It is not difficult to see that a state-created Birth Certificate, with an all-caps, name is a document evidencing debt the moment it is issued. Once a state has registered a birth document with the U.S. Department of Commerce, the Department notifies the Treasury Department, which takes out a loan from the Federal Reserve. The Treasury uses the loan to purchase a bond (the Fed holds a “purchase money security interest” in the bond) from the Department of Commerce, which invests the sale proceeds in the stock or bond market.

The Treasury Department then issues Treasury securities in the form of Treasury Bonds, Notes, and Bills using the bonds as surety for the new “securities.” This cycle is based on the future tax revenues of the legal person whose name appears on the Birth Certificate. This also means that the bankrupt, corporate U.S. can guarantee to the purchasers of their securities the lifetime labor and tax revenues of every “citizen of the United States”/American with a Birth Certificate as collateral for payment. This device is initiated simply by converting the lawful, true name of the child into a legal, juristic name of a person.

Dubuque rei potissinia pars prineipium est — The principal part of everything is in the beginning. (“Well begun is half done.”) Legally, you are considered to be a slave or indentured servant to the various Federal, State and local governments via your STATE-issued and STATE-created Birth Certificate in the name of your all-caps person. Birth Certificates are issued so that the issuer can claim “exclusive” title to the legal person created thereby. This is further compounded when one voluntarily obtains a Driver’s License or a Social Security Account Number. The state even owns your personal and private life through your STATE-issued marriage license/certificate issued in the all-caps names. You have no rights in birth, marriage, or even death. The state holds title to all legal persons the state creates via Birth Certificates until the rightful owner, i.e. you, reclaims/redeems it by becoming the holder in due course of the instrument." 

And this pic shows a REGISTRATION of a Record of Birth, which would tend to support the claims about the BC in the above article. Why the heck would a record of birth need to be REGISTERED? And with a Department of Commerce? Record alone is all that's needed to prove that the birth happened, as long as it's certified (stamped and signed by a proper officer of a State)