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DISCLAIMER: This material first posted by The Author at RumorMillNews and is reproduced here by arrangement with The Author. RETORT MAGAZINE claims NO responsibility for misuse of this material as does the Author clearly stated in the following texts.

Conducting YOUR Life Without Surrender
THE MONEY MATRIX: AN INTRODUCTION
By: SecuredParty

“At any given moment, there is a sort of all pervading orthodoxy, a general tacit agreement not to discuss large and uncomfortable facts… Anyone who challenges the prevailing orthodoxy finds himself silenced with surprising effectiveness.” -George Orwell

:A quick note and introduction:

Over the last year, I have been doing research into the monetary system for a book that I had hoped to publish. As I delved deeper into the very structure and functionality of this machine that we all take part in, I discovered some VERY shocking information. It has dawned on me recently that this story is so large and encompassing, that having it released in ‘conventional’ ways would be a gesture in futility. This notion was reinforced after I had sent out an excerpt of the topics to be covered in the book; without direct feed-back, the amount of people able to see the larger picture would be reduced to about one percent (1%) of those who actually read it. That is far less than acceptable if any meaningful change was to happen; in fact it sucks.

After talking it over with my wife, the decision to release it for any and all to see (on the web) was the only logical choice.

A book has a definite boundaries and structure (only so many pages, and NO interaction) that is NOT conducive to getting the word out to a large enough audience. The issues of getting a ‘publisher’ to produce the work and ‘distribute’ it to the main-stream-outlets are a box that will no longer constrain me; aside from the fact that it is in all reality a pipe-dream. The main cost to you will be the investment of your TIME; truly your most precious asset. I have no intention on wasting your time, nor mine; the following posts will give you a road map, or a path if you will, that this author has traversed personally and can give first-hand knowledge of the facts as they will be spelled out.

Right here and now it should be known that I am “in this” to make my children’s future a little better, to restore dignity and honesty to our world, and if all goes well it will allow me to provide for a small portion of my family’s sustenance. I am not now, nor have I ever been affiliated with, or even known to support NESARA, or any other psychological operation diversionary tactics. Think about this for a moment; if you EVER hear of a ‘coming event’ that will allow you to be lazy and stupid, not learn from your mistakes (actually encouraged to REPEAT them) and have some other entity/covert-action/Santa clean up your mess, you need to become less “anal-cranium co-located.” If we fail to review/scrutinize what allowed things to get this bad, we will be giving a free-ride to all of the inbred elitist tyrants that made it GLOBAL; to do THAT would be to guarantee it will happen again. This is why I believe NESARA to be a cover story for a psychological operation that is probably intended to buy some more time for the money cabal so they can put the finishing touches on their NEW one world government prison planet. Heck, it might even give people the psychological ‘cushion’ they need to take on some more debts to expedite the global foreclosure process.

Every attempt is to be made, and will be made, to show the ‘average’ person how to do all of the things to be discussed ON THEIR OWN with the least amount of monetary expense; but to those who have the resources or are lacking in ‘available time’ to go it alone, other options are available.

The bottom line is that this is directed to helping the most people possible in the shortest amount of time. ONLY the reader will know what level (if any) of this information is to be used/explored; because the only one who can act on this is the individual behind the eyes reading it. There is no person who can do these things for you; if you elect to act, you only will because you “chose” to.

In prior attempts to share this information; such a wide array of reactions have been witnessed, that it would be safe to say I have seen both ends of the spectrum in their full splendor. In an effort to do what my “heart” tells me to, I must make an attempt to share this with others while there is time. If you wish to comment, please send your comments, complaints, suggestions, or requests to me personally. Depending on the feed-back that is received, I will adjust the text accordingly or back up and explain certain sections/topics in greater detail; this is where the interactive part will assist in getting out the ‘big-picture.’ ALL of the questions will go into a large post that will give everyone a chance to read the answers, while not interrupting the flow of information.

What you make of this information is entirely up to you; and said information is “NOT” necessarily reflected and/or endorsed by RMN, any of the other agents/writers that appear on this forum, or any person or entity who may provide support for the hosting or distribution of RMN. THIS AUTHOR IS NOT A LAWYER, HAS NO LICENSE TO PRACTICE LAW, AND IS NOT A MEMBER OF ANY BAR ASSOCIATION. What you are going to be reading is intended for intellectual exploration, public discussion of ideas and constructs, and for the betterment and enlightenment of any and all who participate, including this author. If the reader elects to believe that this is “advice” let it be known now that no such “advice” is offered.

—————–

Conducting YOUR Life Without Surrender
© Secured Party 2002, all rights reserved.

Buckle-up, we are going deep into the Matrix of lies, deception, and the ongoing outright attempt to enslave a planet.

It would be wise to begin by pointing out that the ‘words’ that people use to convey information have their limits beyond those of the individual. There exists two separate but similar forms of communication: regular English, and Legalese. Most folks give no thought to ‘how’ we talk to each other in regular English as casual conversation, and believe that the words chosen are interpreted by ‘all’ as having the same basic meanings; this is where everything starts to go wrong.

The words/language of the Courts and their Laws, Codes, and Statutes are referred to as legalese; the definitions of words in legalese have little to no similarity to words used in common conversation. This fact, along with the reality that the information was NEVER properly explained in your fine educational process is no accident; it is intentionally misleading to your detriment. A mis-informed population is ripe for exploitation, and the one we are in now is as ‘ripe’ as there has ever been.

Our lives are constantly lived out in a “defensive” position, it seems as though the never-ending stream of those who want to separate us from our wealth and resources constantly keep us on our heels struggling to live our lives as we see fit. The matters and details of daily life seem so complicated because of the many layers of deception and social-engineering that is going on behind the scenes. When it appears that things are ‘too big to tackle’ people tend to immerse themselves in some comforting endeavor all the while hoping that ’something’ or ’someone’ will come along and make everything fair and nice. These are the conditions that facilitate fantasy solutions/programs (have no desire to beat any particular one) that keep people from looking for their “OWN” solutions and answers.

The planet is said to be led by factions, parties, or dominant families. There are spheres of influence like the medical cabal, the military industrial complex, the media, and others; but there is no sphere, or combination of spheres that could equal the power and control of the banking/money cabal. When it comes right down to it, the money cabal has “Ownership” of not only the other spheres of influence, but of everything that goes on “between all of them” also. There is no government that they don’t control.

NOTE WELL (hereinafter N.B.) There is a saying that goes something like: it is not what you own that is important, but what you control. (Rockefeller) In the case of the money cabal, THEY have the best of BOTH worlds; the ownership and control of just about everything/everyone.

The current socio-economic structure of the large majority of the industrial world (the ‘alleged’ advanced societies) are controlled and enslaved by the system of usury. This word usury generally congers up imagery of some antiquated system of exchange from the dark ages, or possibly the biblical times, doesn’t it? Well it should; in EVERY circumstance that “usury” was given a foot-hold, within the span of three or more generations, there was a massive disruption. A good long-term example of this would be the collapse of Rome, and the “Dark Ages” that followed it. This is no accident, as the word is being “removed” from our ‘modern’ conversation/vocabulary for a reason; if the ‘people’ ever connect the dots before the final cogs are inserted into the machine, the prison control grid will disintegrate. See the post “COMING SNAKE, LITTLE WEASEL & SPARRING WREN” (Posted By: RICHARD MCCLENDON on Friday, 28 June 2002, 12:22 a.m.) for an parable of things to come when the majority begin to see what the ‘elitist’ mind set has to offer. (If unavailable I have a copy of the original HTML.)

Since your author has used this term, usury, several times already let’s examine the ‘legalese’ definition in Black’s law 7th edition:

Usury (yoo-zhe-ree) n.

1. Historically, the lending of money at interest. 2. Today, the charging of an illegal rate of interest. 3. An illegally high rate of interest. - usurious, adj. - usurer, noun.

As stated above, the ‘historical’ meaning was to loan someone “Money” at interest. This has been one of the largest frauds ever perpetrated against humanity (the loaning of money at interest) because the “interest” was NEVER created, and is the Achilles’ heel of the common man because without the “interest” money, a guarantee of eventual default/bankruptcy/insolvency is exists. People will argue that if they ‘use’ their collected/excess capital they should be allowed to expect compensation for it; this is NOT the issue for the same party would have access to investing in others, or obtaining ‘partnership’ that would facilitate a ‘return on capital’ without theft. The creation of a compounding debt with unavailable assets to ‘make good’ on the agreement is nothing short of larceny.

A great book that explains the system of usury, and how it crippled and destroyed EVERY single Nation or Civilization that ever came into contact with it is “War Cycles, Peace Cycles” written by Richard Kelly Hoskins. If you are an avid reader, history buff, or someone who would like to live a more complete and prosperous life, you should get a copy of this book. As Richard progresses through the chapters, you will see a pattern unfold over and over; the pattern we are in right NOW is nothing new at all. That ‘dusty’ old word, usury, has been taken to a whole new dimension with “fractional reserve banking” and “fiat currency” and all implemented with rocket-science like precision. I have no financial interest whatsoever in recommending this book, but my great-grandchildren will reap the rewards of more people finding out what the REAL historical references were all about. All the useless memorization of people and dates was to keep you occupied from asking “WHY” all of those strange and horrible things happened; because if you knew WHY those things happened before you would understand (and be visibly shaken by) what is going on in our world today.

Because of the size, scope, and complexity of the subject of what is going on today, and how you are involved, this author will try something a little unconventional. A way to give the reader incentive to LEARN what is happening, and to continue along a long road to reprogramming the way you conduct your life, is to jump to the “effect of implementing this knowledge.” If after reading the following example you do not see the need to completely and permanently dismantle our economic structure, and hold ALL of those who implemented and continue to make excuses for it accountable, I have nothing else to offer you.

MONEY MATRIX: “EXAMPLE”
MONEY MATRIX: EXAMPLE © 2002, all rights reserved.
Based on the work: “Conducting YOUR Life without Surrender©”

As was said in the introduction; what you make of this information is entirely up to you; and said information is “NOT” necessarily endorsed by RETORT MAGAZINE, any of the other agents/writers that appear on this forum, or any person or entity who may provide support for the hosting or distribution of RETORT MAGAZINE.

“THIS AUTHOR IS NOT A LAWYER,
HAS NO LICENSE TO PRACTICE LAW,
AND IS NOT A MEMBER OF ANY BAR ASSOCIATION.”

What you are about to read is only intended for intellectual exploration, public discussion of ideas and constructs, and for the betterment and enlightenment of any and all who participate, including this author. If the reader elects to believe that this is “advice” let it be known right now, that NO such “advice” is offered now and/or in the future.

The information you are about to read may seem to be “sensationalistic” or “extreme” at first glance; but it is only the truth. Your author has seen many people get visibly upset when these topics are elaborated upon. These things are very difficult to come to terms with; and nobody wants to learn that they have been played for a fool. There are however many things that can be done to eliminate this condition, as we will discuss; so try to keep in the back of your mind “Don’t get angry, get even,” because that is exactly what you will be shown how to lawfully do.

It should also be stressed that ANY acts of violence, demonstrations, or dissention are acts in futility and are things the money cabal is waiting for; a chance to pounce. When you have mastered the dynamics of the economic system and how your rights can be used for YOUR betterment, you will come to understand the horrific and catastrophic damage that can be inflicted on ANY foe with a few simple strokes of a pen. They are unprepared to deal with an educated and patient tactician; they become helpless and quite pathetic when standing toe-to-toe.

PLEASE do not be upset with me personally; I had NOTHING to do with the system as it now exists. The frustrations and anger that people experience when first exposed to the truth is a perfectly normal reaction. However, the system as it stands is one of the most diabolical and nefarious things created since the time when man began to walk upright. There really are people who are fixated on controlling/manipulating the entire planet, and it is completely irrelevant whether or not we can relate to, or explain, the levels of sickness, insecurity, and the outright delusional state that would place someone in that mind-set. Besides, that would not negate the overall reality.

What is a certainty is that their system needs to be dismantled and exposed for the world to see in a way that can be understood. In other words, the real translation barrier is: that it is nearly impossible to tell an honest person how a scam really works. The mind of a decent and loving soul is not equipped to be on the lookout for such hideous things; for it would never dawn on them that the danger existed in the first place.

This work is an attempt to give the “average” person a more realistic chance at prosperity and freedom, by showing them where the tools are to fix the matter for themselves.

PLEASE NOTE: Your author HIGHLY recommends finding a quiet space and the appropriate time to read and absorb this information; it is most assuredly in your best interest to do so. Your author also recommends (read: “begs you”) to NOT use my grammatical errors, typos, or linguistic shortcomings as a reason/excuse to ignore the overall message; said author is “just some guy named Steve,” nothing more, nothing less.

With that in mind, let us pick up where we left off in the introductory post of the series: http://www.rumormillnews.net/cgi-bin/config.pl?read=26556 (consider reading this first if you have not done so yet.)

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Right now one thing that most people have in common is debt; if you believe “you” don’t have any, you are sadly mistaken. There is not “one” inhabitant of the United States, or any other ‘alleged’ nation-state that is not in debt (share of national debt), and for some, the high levels of personal debt are literally suffocating and destroying them. Later on we will return to this subject, when it will be understood in much greater detail and clarity. At that point, the overall nefariousness of the plan behind the apparent random acts of madness sweeping the planet should also become more obvious.

It would be worth your time to understand this material as well as possible considering that it is a major piece of your overall functionality within this alleged ‘advanced’ society we participate in. The subject of advanced societal delusions, and mass participation within them will also be discussed later when the timing is more appropriate.

Debt can be broken-down into two basic (but non-inclusive) categories: Secured and Unsecured.

Blacks Law 7th edition: “Secured debt. A debt backed by collateral.”

A “Secured debt” is one where an accommodation party, asset, collateral, or tangible is pledged as a security in the event a borrower/debtor should default on the original promise-to-pay; this enables the lender to take immediate and total control of the Security. This also reduces the overall exposure/risk to that which might exist beyond the value of the security, and in most cases is an incentive to enter into the agreement.

Blacks Law 7th edition: “Unsecured debt. A debt not supported by collateral or other security.”

An “Unsecured debt” has nothing in terms of collateral to support it, other than the ‘Signature’ given to initiate the promise to pay. The primary reason that there is such a wide and available market for unsecured debt is because of the exorbitant interest rates attached for the “privilege” of having it. The underlying issue is that the usury credit cycle is nearing an end, and the only “money” to be had by the common man must be borrowed; thus deepening the dependence on borrowed money, and accelerating the mathematical CERTAINTY of an individual default/bankruptcy. This phenomenon has been leading to a GLOBAL super-cycle bankruptcy/default that will soon reach a critical mass. You can feel it coming, can’t you?

To expedite this initial example, your author will describe the unsecured debt issue first. This particular form of debt is what almost everyone with a pulse can relate to in some form, and is what this author considers to be the most bizarre. Common forms of unsecured debt (A.K.A. - Signature loans) would be: store-cards, credit-cards, student loans, medical bills/hospital bills, and taxes.

The recent two-year trend toward refinancing ones ’secured’ debts (i.e. a home), to extract equity for consolidation of other debt (implying to “secure” the unsecured debt) has not occurred by mere chance or accident; in fact, there exists a very nefarious set of reasons why this is occurring right now and those reasons will be elaborated on shortly. In short, the extraction of remaining equity with the seductive ’siren-song’ of write-offs for tax purposes, and ‘interest savings’ is nothing short of the worst possible choice to make for your real long-term outlook.

The truth is, an unsecured debt can be written-off/discharged so easily that words can not adequately describe the action. This is something the money cabal knows very well, and has made every effort to snare as many people as possible into trading their home equity for unsecured debts payment and consolidation. What every recent mortgage holder may not be aware of is a little known legal nightmare called “UCC Revised Article 9.” This abomination is now included in most mortgages to allow for the non-judicial strict foreclosure in the event of a default. Translated into plain English, this means that the bankers can have the local County Sheriff evict the current occupant without ever having to appear in court to defend their position.

By tapping into the remaining equity positions established during the boom, the average individual or family now has little to no financial cushion; this very fact has exponentially increased the likelihood of default. What is more important/alarming is that the bankers, and their masters at the fed/imf/wb, are tickled pink that people are voluntarily trading the value established in their homes for a debt that truly never existed. That last line is so important that I will attempt to say the same thing in a different way to assure this concept is NOT overlooked:

There is no money behind the ‘issuance’ of unsecured debt, only a “promise to pay” initiating digital credits.

If you break your promise, or dispute the alleged debt, there is no posted security (asset of some kind) that could be lost or taken from you.

You have now been ‘programmed’ to believe that trading REAL equity/value/public-funds for a miniscule savings in the rate of usury to reduce your ‘monthly installment payment’ is a wise/sophisticated thing to do. You have inadvertently, and voluntarily, securitized your “unsecured debt” and made the people at the bank, and the ones behind them unfathomably wealthy. Just think and with your money given to them, for almost NO EFFORT other than some ledgering activities and billing costs, they can afford all of the things that YOU can not.

The best way to describe unsecured debt is to start from the beginning and examine: how it comes to be, how it is serviced, and how it can be addressed and eliminated.

THE BAIT AND SWITCH:

What we have here is what was referred to as the ‘bait-and-switch’ in the con and grifter/grafter rackets. Unfortunately this is not some quaint story about some clever fella’ of yesteryear; this con game is real, and it is going on in plain view everywhere you care to look. Getting familiar enough with the terms and overall con-job to the point where you have obtained an under-standing is difficult at first, but you have a most vested interest in doing so.

When an individual fills-out a credit card application, they are normally required to state a variety of private information. It is quite common for the debtor-in-waiting to volunteer their address, phone number, social insecurity number and other information. At the bottom, or end, of the agreement there is a line where the individual applies their “Signature.”

Before that word is used again, let us review the legal definition of signature, as well as some other definitions that are relevant to initiating an agreement or contract as stipulated in the eyes of the law/courts.

As found in Black’s Law 7th Edition:

Signature. 1. A person’s name or mark written by that person or at the person’s direction. 2. Commercial law. Any name, mark, or writing used with the intention of authenticating a document UCC §§ 1-201(39), 3-401(b)

**A link to the UCC §§ 1-201 (1-36) General Definitions, can be found here:

http://www.law.cornell.edu/ucc/ucc1-201.text.html

**A link to the UCC §§ 3-401 (b) Signature, can be found here: http://www.law.cornell.edu/ucc/3/3-401.html

signatory (sig-nè-tor-ee),n. A party that signs a document, personally or through an agent, and thereby becomes a party to an agreement.

Here is a little gem gleaned from the IRS web-site taken from page two (2) on the link:

http://216.239.37.100/search?q=cache:R9MQQFtflfkC:www.irs.gov/pub/irs-sca/1998038.pdf+%22legal+definition+of+signature%22&hl=en&ie=UTF-8

The generally accepted legal definition of signature is very broad:

“[t]he act of putting one’s name on the end of any instrument to attest its validity; the name thus written.” See Black’s Law Dictionary 1381(6th ed. 1990).

See also Webster’s New International Dictionary (2d ed. 1934)(defining signature as “the name of any person, written with his own hand to signify that the writing which precedes accords with his wishes or intentions”).

1 U.S.C. § 1 provides that “in determining the meaning of any Act of Congress, unless the context indicates otherwise, signature includes a mark when the person making the same intended it as such.”

Did you notice that the “latest” version of Black’s Law has a different, much more abrupt definition of Signature than the 6th edition?? Well…that again is no accident. Every effort imaginable is being made to disconnect the individual from the notion that your “SIGNATURE” attests to the validity of something because YOU are valid - you think, therefore you are. The implications of changing the definition of signature should be taken with a bit of the shivers for it distances the average person from justice and the availability of remedy. However, this is not the only example of a word changing its implied meaning slowly over time. Just like the history books are written so that the least amount of useful information is passed off for ‘knowledge’, so too are the words behind the history.

That signature also indicates that the signatory agrees that the matters discussed (on paper or other) are within his wishes. This is a VERY important point because if someone has ‘forced’ or ‘fraudulently introduced’ an agreement upon you, you are not liable for the matter if it can be proven. (N.B., this is going to play a major part in the liberation process; the proof is ‘all over the place’ if you care to operate and function outside of the ‘collective’.)

This “Signature” places in motion many unique and strange events:

1. It boldly states that the signatory has consented to the full terms of the agreement, and becomes a party to that agreement. By doing so, the full stipulations (if any) as to how matters of conflict and dispute are treated apply; these administrative or remedial solutions are not always handled through standard court proceedings. Depending on the contract, there may be provisions for Strict Foreclosure also referred to as Non-judicial Foreclosure because the court is NOT involved. For the most part this Non-judicial method applies to Secured debt, and will be discussed in greater detail when that topic arises later.

2. Many credit applications have a stipulation or inclusion, that by applying your “Signature,” ALL of the information that you have given to be reviewed for “credit worthiness” (also via your credit-report) is true, complete, and certain. (or “The Truth, The whole Truth, and nothing but the Truth”) In essence you are swearing that you have NOT lied, deceived, or entered into the agreement with any preconceived intent to commit any fraud or other nefarious means. (You did not conduct business with the intent to screw anyone.)

In order to ‘qualify’ for unsecured credits, one must swear that they are not only in a position to pay back the obligation, but are liable for loss of privilege(s), or possible criminal prosecution. If the legal department at the alleged creditor-in-question should determine that there was INTENT to commit a fraudulent activity, they may elect to further their scope of options. There is really NOTHING in that agreement that holds the alleged creditor liable if THEY were to commit a fraud or other nefarious act. That is because you have the Free-will to EXIT the agreement if you can prove that the alleged creditor has not acted in good faith. Unfortunately, the options of the consumer or debtor are not readily discussed or KNOWN to be available; this of course is no accident either.

3. In relation to a credit agreement, the signature is the origin and the beginning of the ‘promise-to-pay’ creation process. This might sound very strange and possibly quite alarmist, but it is 100% correct and directly ties-into point number two (2) directly above. The Signature is the BAIT of the bait and switch scam.

Ever since 1933 when the United States declared itself to be bankrupt and HJR 192 (House Joint Resolution) was passed, gold ceased to be the real baking of the currency. It was even attempted to convince the private citizen that THEY must turn over their private holdings of Gold and Silver. Ever since that moment the only way to lawfully terminate a monetary obligation is through discharge Dollar for Dollar. This is because the “Notes” known as Dollars, (or insert worthless fiat currency ‘Name’ here) that we use for an exchange of value is in all reality a DEBT obligation of a bankrupt country. There is no value inherent in exchanging ‘dollars’ (Gold & Silver) as it is actually the passing on of an obligation/liability, NOT the exchange of VALUE. This will be elaborated on in great detail after the example section.

4. With the application of your signature, you have created money out of thin air. At first glance that sounds great but there is a caveat; the NEW obligation created the PRINCIPAL, just not the interest money that you allegedly owe. If you were to tender payment in full your liability toward paying the interest would be negated as would the overall liability. Wait until we discuss PRIVATE ways of tendering that payment-in-full.

The bottom line on signatures is this: your signature is only present as long as YOU intend it to be, and no one can PROVE otherwise. A ‘hand writing analysis’ can NOT bear evidence to the first hand knowledge of facts. Your Autograph (particular scratching pattern, style, etc.) is NOT the important point of relevance; your CONSENT is what is signified and that has significant intrinsic value. This will become clearer as we proceed.

Now we can say that the application can be turned-in to the future master of your choosing. When the application/contract is received it has become a signed document, right? Well this document is also known as a negotiable debt instrument, a different kind of currency as recognized by the laws and codes of commerce. (Similar to a check, draft, certificate of deposit, etc.) A bank or lending institution has a license to do something that mere mortals can not; they can “monetize” a negotiable debt instrument. The creditor/lender has NOT loaned me anything yet, they have only received a negotiable debt instrument that has been turned into a document of substance and value because of the SIGNATURE that it bears. That Signature represents a living flesh-and-blood individual that is capable of performing SOME kind of worthwhile activity or contribution; THAT is the basis of the security and collateral that brings this ‘value’ into the equation. The “Switch” in the bait and switch scam comes from what occurs next.

NOTE TO READERS OF RETORT: The above paragraph elaborates on ONE of the points being discussed in the recent series of articles by Durham/Patriotlad. If you re-read that paragraph again, do you see the similarities in both form and functionality? If you do, this should become the “alarming” imagery that your “little voice” has been telling you about. The sheer size and scope of the ongoing system of fraudulent agreements (also including void judgments - more on those later) is similar in many ways to describing the concept of infinite space to a child. You can make the best of efforts with no assuredness that you will impart the intended receiver with ANY clarity. Thus the challenge continues….

ADDITIONAL NOTE: Before the word “Money” is used again, let us first review the legal definition as found in

Black’s Law 7th Edition:

Money. 1. The medium of exchange (emphasis by this author) authorized or adopted by a government as part of its currency . UCC § 1-201(24)** 2. Assets that can be easily converted to cash . 3. Capital that is invested or traded as a commodity .

Fiat money. Paper currency NOT backed by gold or silver.

Lawful money. Money that is legal tender for the payment of debts.

Real money. 1. Money that has metallic or other intrinsic value, as distinguished from paper currency, checks, and drafts. 2. Current cash, as opposed to money on account.

Money demand. A claim for a fixed, liquidated sum, as opposed to a damage claim that must be assed by a jury.

**A link to the UCC § 1-201 (1-36) General Definitions, can be found here: http://www.law.cornell.edu/ucc/ucc1-201.text.html

Now that the alleged creditor has received your signed promise to pay (monetized YOUR negotiable debt instrument) they take the newly created asset and post it to THEIR ledger books as their asset. With this NEW asset on the books, they magically have the necessary credits to send out to others on your behalf once the card has been placed into service. This new asset they CLAIM to be THEIRS is what they are allegedly LOANING back to you with high rates of interest attached. Do you get that? The creditor has taken YOUR asset, claimed it to be theirs, and loaned it back to you at interest.

“They did not have a big pile of cash in the closet waiting to be borrowed via credit card. In fact, they essentially started their business with some signatures.” GM 12.25.02

Most people are under the assumption that there is some real money (not for the last 89 years) going back and forth between individuals, businesses, and other hubs of commerce. The reality is that NOTHING could be further from the truth; there is SOME money in the system in the form of INCOMING money drafted from real accounts, and that representing public funds. (FRNs in circulation) One of the reasons that lenders are always looking to increase their customer base is to solidify and expand the ponzi-scheme of incoming payments to satisfy the obligations the customers. To the old-timers out there, this is also referred to as check kiting; the process of bouncing payments from one account to the other before the funds actually clear and transfer.

Let us begin with a $10,000.00 credit card example being used in commerce. When the card/account holder decides to spend, or make a purchase one would believe there is 10,000 in CASH laying somewhere that is being used for the transaction. This is close, but the reality is that there are only digital credits bouncing from one account to the other. If the account holder has a 10,000 limit, and is only using 3,000 - that leaves the alleged creditor with an additional 7,000 on their books that they can loan-out to someone else until you draw upon it, or to use it for additional collateral/leverage. This might sound somewhat rational, but it is nothing by itself. When you expand the example out to a BILLION or more individuals, that is when the bigger picture comes into focus. This is one of the many reasons why the system can and does still function for the time being. Are you starting to see how insidious this is?

Here is where things get even more interesting. Let us imagine that the card has been well used without sending more than ‘monthly minimums’ in for payment(s), and that only 500 credits remain available before denial of service/over-limit defaults kick in. This means that you have spent the vast majority of your available credits on goods or services as you saw fit to do; hopefully you bought gold, took cash advances, or purchased other DURABLE goods that will have a long service life. To do so would be using the value inherent in the credits wisely. The only bad part is that you allegedly have to re-pay the credits that you created, and add the additional interest expense (the life-blood of the parasitically challenged.)

Let’s take a quick moment to review. The application was filled out and became a sworn and signed document. The document then became a negotiable debt instrument. That instrument was monetized and claimed by the alleged lending institution as an asset of THEIRS. An account of 10,000 credits was established for the holder of the account to use with the alleged debtor’s asset. And lastly, 9,500 credits were used in the acquisition of goods and/or services leaving roughly 500 credits remaining. Sound right so far?

Well that was the fun part on behalf of the consumer, using the credits to acquire things of value. Every time that the card/account was used for those goods and/or services, someone on the receiving end was credited for their participation in the transaction/commerce; THEY WERE PAID IN FULL, or more accurately, they received the apparent value they were consenting to receive. The alleged creditor also gets an additional payment from the MERCHANT (provider of the goods and services) as a fee for providing an apparent ease of transaction, as well as for possibly facilitating a transaction that would NOT have been possible without the additional credits being available. So above making money on another party’s asset, and charging that party the interest for the privilege of accessing the party’s asset (along with other fees and service-charges), the ALLEGED creditor also soaks the merchant on the other end for additional revenue as well. But wait, there is a lot more where that came from.

To make this example as realistic as possible, let us imagine that the card/account holder has lost their job or has fallen on hard times and is unable to service (make payments to) the account as agreed in the contract that started this whole mess. In today’s environment this is a very common occurrence, and it is going to become a lot worse and last for a lot longer than anyone is going to believe possible.

The FIRST missed payment:

The alleged creditor has certain “administrative remedy solutions” available to them (rules to follow) in order to increase their odds of collecting upon the original agreement. There are a variety of tings they can do, as well as many things that they can NOT do without being in violation of their charter, breaking a law or going against public policy. In most cases the alleged creditor will send the ‘reminder’ notice stating that they have not yet received payment and in the event the payment crossed the notice in the course of mail delivery, disregard notice. These are usually very nice and polite reminders for those of us who can be distracted by a busy life, or who have legitimately forgotten to make the payment in a timely manner. But using our example, by the next billing period/cycle the 9,500 balance is now approximately 9,700 as the missed payment was added to the balance as well as any applicable late/penalty fees.

The SECOND missed payment:

Within seven to ten days after missing the ’second’ installment/payment, the alleged creditor will reference their administrative procedure flow-chart” and begin ratcheting up the pressure. This is the stage where telephone calls begin - seeking to “talk to you about your problem” and try to “work-out a solution.” The reason those preceding items were in quotes is to stress the mannerisms associated with the beginning of a psychological operation: establish contact, start small, establish authority, induce fear and intimidation, and BEND the will of the subject. Keep your eyes open to the way this unfolds now that the stakes have gone up quite a bit and that time becomes a factor in squeezing the alleged creditor.

NOTE: Often, when an alleged creditor is calling they are ‘recording the conversation’ or have a ‘third-party transcribe’ to make notes of the details of the conversation. This allows them to use the information against you, should they EVER decide to bring this matter into the judicial system down the road in order to inflict the most amount of damage minimal of expense and effort.

By the time this section is complete, you will be armed with the necessary information to become a debt collector’s worst possible NIGHTMARE should the need ever arise.

This is also the place/point where your credit report will begin to be adversely affected. Regardless of what your credit report looks like now or in the future, a skilled attorney who specializes in credit law (and carries a bit of ‘attitude’) can completely clear your credit report. The minor items can be cleared up almost immediately, whereas the bankruptcy and foreclosure items can take 3-12 months to be permanently removed.

The people who are calling you have been well trained in the art of gentle persuasion; they will charm you at first in an effort to convince you of the urgent need to make some kind of immediate payment. They will begin the psychological ‘tearing-down’ process by telling you about years of damage to your credit report, problems getting credit in the future should the need arise, and other assorted drivel. Their goal in this stage is to tear-down your personal self-confidence, and to make you FEEL isolated against an impossibly more prepared foe. When a person believes that an opponent is superior they have already lost; even if they do not realize it yet.

Pay no attention to the little man behind the curtain, he is a sissy. (Although VERY CAPABLE of breath-taking bouts of temper-tantrums and idiocy.)

If they are able to get you on the phone, and record or third-party transcribe your “consent to conduct business” (this technically occurs once you have answered even ONE of their questions) telephonically, you have not only cemented and confirmed your adhesion to the contract, but you have provided them with an additional effort-free way of PROVING that you OWE them something. If they have NO PROOF that you have entered into an agreement with them, then HOW could they claim damages without being thrown out of court and counter-sued. (They go down real hard by the way.)

NOTE: The overall impact that this has can be overwhelming: YOU have NO Contract with them until YOU decide to enter into one.

It is this author’s opinion that talking to ANYONE on a telephone, concerning the private and personal business affairs of YOUR life is not only flirting with danger, but absolutely NO GOOD can come from such effort. You have no proof of what was, and what was NOT said. Besides, the fact that these people are strangers and you really have no idea of whom else might be on the phone as well, should provide enough incentive to make you protect your privacy. Remember, you do NOT have to do anything regardless of what you MIGHT be told to the contrary. This is necessary to point-out because the alleged creditor knows that once you stop believing that you owe them something, they are finished.

NOTE: If one wanted to speak without liability, there is a need to give a prompt but yet concise statement - cookie-cutter style for easy repetition. An example of something that this author has used personally is directly below.

“I am sorry, but I do NOT conduct business over the telephone.

If you have a matter that needs my attention, please put it in writing and send it to me. Thank you”

Then HANG-UP the phone!

If one were looking to ‘buy a little time’ in order to get caught-up, one might have an answering machine screen their calls; or better yet, use an ad-blocker/call-blocker service or even caller ID to screen you from entering into a conversation of ANY kind. Because you are not answering the phone in person, the caller will be forced to leave a message thus negating their chance for contact. It might be wise to transfer/record/document those calls and their dates/times should you ever need ammunition in a collection-related harassment suit against the original creditor.

When the original alleged creditor can not reach you their flow-chart runs into a snag; they NEED to get your attention/contact in order to prove there is an agreement. Without that contact, they become desperate and will make every attempt to obtain it. This can add an additional one to nine months before the account is turned over for collection to a third-party debt-collector (more on this later shortly.)

To those with an ax to grind, or who want to impart the caller with a taste of creativity, you can have all sorts of fun with answering machines. One of my personal favorites is to begin the message with:

“Hello…This is Steve.” (wait about 3 - 5 seconds, and then say)

“Hello…Can you hear me? (1 - 3 seconds)

“GREAT, but I can hardly hear you, could you please speak louder?” (less than 5 seconds)

“I am sorry; I can hear you but not well. If you could speak louder I will be able to hear you.”

(Wait about 5 - 10 seconds) (By now they are yelling and are completely unprepared for the punch-line)

“Haaa….Just kidding. This is my machine, please leave a message.”

Well let me tell you, this drives people absolutely crazy.

Did you notice that I said; “please leave a message” and NOT something like; “leave a message and I will call you back” or similar promises. There is no residual communication or agreement with the message as it was given. If the statement to return the call it is made with express consent (the implication) an agreement has been made; this is not desirable in this author’s opinion. Caution and thought are essential.

The THIRD missed payment and beyond:

If we stay within the example, by month three the balance of the account is now around 10,000 with no remaining credit available (if the restrictions of use were to be lifted.) If the matter is stretched out further, the balance can quickly run-up to 13-14,000 with accelerated interest rates (some reaching 30 - 40 %)) coming into effect. This is NO ACCIDENT as the alleged creditor is desperate to make one last grab for your cash before writing you off.

This is a completely new kind of scam that makes Enron pale in comparison due to the HUNDREDS of MILLIONS affected by it. What is happening behind the curtain is the original alleged creditor is upping the amount you owe them just prior to writing-off the account. Right before the account is revoked, the CREDIT LINE is increased to the TOTAL amount now allegedly due. Just think, you were given a credit advance without even knowing it, and YOU did not get to spend one dollar of it; but you are going to get a bill for it anyway. What makes this so important to remember is the fact that only 9,500.00 in credits were allegedly used/given to the holder of said account. If the amount owed at the end prior to write-off/revocation is say 13,500 +/- there has been 4,000 in additional charges that they NEVER had to pay out by/to the alleged creditor, even with their “creative accounting” methods. Wait….it gets worse.

If they do decide at this point (about 6 months for the example) to throw in the towel and write-off/charge-off the alleged account, they are admitting to running out of administrative solutions. They then write-off the account, take a very favorable tax credit, (based not only on the alleged transfers for the goods and services, but also the interest and fees accrued in the process) and are able to release the appearance of losses on FUTURE quarterly reports by the books no longer showing an outstanding liability. On top of those incentives, they then sell the collection rights (Rights of Collection) to a third-party debt collector for PENNIES on the dollar. The real numbers would be about 10-20 cents on average.

In our example, the ending balance due was 13,500.00. The alleged creditor then took a dollar-for-dollar tax credit (13,500) and boosted the next quarter’s results a bit (this could be priceless in a bear market) and then sold the “rights?” to another company. If the sale was at the high end, the 20% area, the collector paid/exchanged 2,700 to the alleged creditor. (even the debt collector falls victim to the alleged creditor by having to pay for the rights of an exchange that never was) When this is added to the 13,500 balance, the total take on the ‘haul’ was 16,200. This would represent a 6,700 credit for their troubles in having you call their bluff.

Sounds like they did quite well for themselves considering they never loaned me anything, or took ANY real risk because ‘public funds’ were NEVER involved. In FACT, they have not been DAMAGED in ANY WAY because they claimed/created 6,700 in additional ledger credits. And that figure does not involve any of the interest payments during the overall life of the account.

Does that sound like something is missing? Well it should.

Haven’t you ever wondered “WHY” a lending institution which has large office spaces (multiple offices/divisions,) a sea of accountants; auditors; lawyers; and other professionals on staff, would turn the alleged account over to a smaller (in many ways, miniscule in comparison) entity? Are they not equipped to deal with such matters as collecting on their own, legitimate, real obligations?

“How could that be?” you might ask. This is going to blow you away…

The original alleged creditor never loaned you anything, we discussed this. If they had issued real public funds, the ‘creditor’ would have a transaction receipt showing what account the dollar credits were transferred from and Verify the debt. Once that transaction record and verification was obtained, they could simply place a lien against future income (judgment or other) and have a judge allow it (using a writ). Another way of saying this without the jargon would be: if you want me to prove I loaned you money look at this; here is my passbook account record, here is the certified check (wire transfer/draft/CD/personal-check) made out to you and cleared through your bank. If the matter was already in the process of going to court, an Affidavit of Facts would be prepared saying the debt is real and swearing to the evidence with my “first-hand knowledge and understanding.” BOOM, instant PROOF that public funds (federal reserveless notes) changed hands and that I need to pay in kind. (What you just read was a description of what is called Verification) That would make an open and shut case if there ever was one.

The original ‘alleged’ creditor is not going to EVER attempt to make that claim in a court; people would be going to prison if they did. Because the exchange of public funds NEVER occurred they are counting on ignorance and gullibility to make you surrender to their whims. The alleged creditor has already made out quite well having the customer for a client regardless of the whining. When they get the account to a third party debt collector they made out again. But NOTHING compares to the scam that is coming up next; this is just sick.

TO BE CONTINUED IN “EXAMPLE: PART II”

I believe this would be a GREAT place to begin answering questions before we proceed much further. All questions and answers will be compiled in a single post (unless more are needed) that will go on the board for all to see and participate in. (comments and feedback are also welcome.)

“Please do not re-publish any portion of this communication without my express, written consent. It is intended to be intellectually-exploratory and for research purposes only. If it is intercepted or monitored, intentionally or accidentally, by the federal government’s Carnovire system, or any other manual system, e-mail system, or electronic surveillance system(s), I now make written demand that I be notified, strictly within the time limit allowed by all applicable state and/or federal law, regarding my status and that of my intercepted communication(s).”

MONEY MATRIX: EXAMPLE PART II
By: SecuredParty

The original ‘alleged’ creditor is not going to EVER attempt to make that claim in a court; people would be going to prison if they did. Because the exchange of public funds NEVER occurred they are depending upon ignorance and gullibility to make you surrender to their whims. The alleged creditor has already made out quite well having the customer for a client regardless of the whining. When they sold the account to a third party debt collector they made out again. But NOTHING compares to the scam that is coming up next; this is just sick.

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MONEY MATRIX: EXAMPLE Pt. II © 2002, all rights reserved.
Based on the work: “Conducting YOUR Life without Surrender©”

Enter the “Debt Collector” and “The GIANT Sucking Sound.”

Forgive me now in advance for what is likely to be labeled as ‘opinionated’ or ‘heavily-biased’ or other politically correct regurgitation; there will be no kind words for this group, and no bones will be made about it either. (Because they should NOT be allowed to breed outside the laboratory) When you are finished with this section you may or may not understand your author’s opinions and views. All that could be asked is that you try to keep an open mind - like a parachute, it works better when open.

After the account is turned over to a third party debt collector, there are many different strategies that are employed (mostly tuned-in to target demographics that pinpoint specific class, racial, cultural, or ethnic weakness that can be exploited) to begin the wealth-extraction process. This alone could be another book, but for now it should be said that this has been refined to an art-form.

In almost all cases, initial contact is attempted by telephone; this is to begin by exploiting the most common weakness your kindness.

As stated earlier, this is where the debt collector tries to get you on the phone and have you voluntarily enter into agreement (a “NEW” contract that does NOT exist - yet).

When one picks up a telephone and says “Hello”, an invitation for the other party (the one calling) to speak is given. If the other party is a debt collector, the phrase “Hello, can I speak to (insert name here)?” is usually given in reply. This is a critical moment, for if the recipient of this call is not aware of the implications, they may be open to {they may open the door to} liabilities/obligations that they are not aware of.

Think about it for a moment. If you have NEVER spoken, written, or affixed your signature to ANY agreement with this ‘third-party’ you do not have ANY obligation to talk to them. Do you understand that? You have the right to do business with anyone you want to, and you do NOT have to surrender and conduct business with those you do NOT approve of. In fact there is no law, code or statute that can make you enter into any agreement that you do not consent to. This is even more applicable to giving them ANY personal information, confirmation that YOU are the “name” (this also plays a very large role that will be discussed later) they say when initially calling, admitting to any account information or status, or anything else for that matter. If you ever have the misfortune of dealing with one of these things, and get into a panic or freeze; DON’T SCREW-UP, JUST HANG-UP!

These debt collectors are ruthless at trying to attach you to this alleged debt that they have a vested interest getting you to pay. If they are unable to make contact via phone, they will try you at your place of employment. This is done with the intention of accelerating the embarrassment/intimidation and tear-down operation, in order for you to be conditioned to enter the contract.

If they can make you afraid of the phone or apprehensive when you receive word that “so-and-so from Judas Collection just called and wants to speak to you” they can get you to pay.

NOTE: You may want to tell your employer (if applicable) that this “matter” is about a debt they say is owed. Clearly state that the matter is in dispute and this must be an attempt to manipulate/harass. One might also say; “if they call again, tell them that I am not allowed to take calls at work.”

This is where most people surrender and make contact with the

collector. When this contact is made, or an offer is accepted (like reduced balance or rate of usury/interest the alleged debt becomes a REAL debt and obligation; everything goes straight down hill from there.

Does this sound like ethical business practice to you? The methods these collectors employ are nothing short of repulsive, yet most folks will still talk to and even get into an actual conversation with these people.

If you ever doubt your need to understand what is going on, or the overall need to dismantle our current system {comma} this alone should provide a solid reason. A short recap is given below; please ponder on the significance of this for a few moments.

1. An individual calls your home/business and asks for you, the moment you enter into a conversation, answer their questions, or give ANY information you are agreeing to conduct business with them and are unwittingly adding validity to their claim.

2. You have no prior obligation, contract, or reason to communicate with this party in any way. (do so at your own risk)

3. If ANY communication or other correspondence is established, a NEW

agreement/contract is initiated.

4. One moment you are free, the next moment you are under an obligation.

The question of ethical conduct arises with a simple question: “Were you fully aware of your options?” If the answer is no, you were swindled/cheated/abused.

If the debt collector is unable to make contact via telephone within a week or two (sometimes more if they have the wrong demographic/personal data) they will often send the “Letter from Hell” to you in an attempt to use the current law/system to FORCE you into an obligation. How the matter is handled from here is critical; the implications are very serious.

If you ever receive one of these letters, it can be identified (as a Letter from Hell) by the alleged creditor being mentioned(attempt to gain credibility) and the alleged account number and possibly other trivial data are included. This is an attempt to link your former (now WRITTEN OFF) obligation, with a ‘NEW ONE’ that does not yet fully exist.

However, the single most important thing that the letter from hell will contain is the “mini-Miranda” for debt collectors. They must by law (the Fair Debt Collection Practices Act, and others) tell you the following:

1. That this is an attempt to collect a debt, and any information will

be used for that purpose.

2. That the communication is from a debt collector.

3. That you have 30 days (after receipt) to notify their office that you “dispute the validity” of the debt, or any part/portion of it.

4. That if such dispute, demand for validation, or request for information on the original creditor (alleged) is not made the debt will be considered VALID.

5. When demanded/requested in writing (within 30 days) the verification, or a copy of a judgment, will be provided.

6. That the name and address of the original creditor will be given, if the name is different than the current creditor.

This warning is usually found at the bottom or on the back of the letter, and is sometimes in very tiny print or a light shade of grey to discourage recognition.

This six (6) item list (non-inclusive) is the beginning of the end for the debt collector, and those debt collectors are praying to satan (no typo) that you never understand their relevance or TRUE meanings.

NOTE: Not ALL debt collectors are evil satan worshipers. However, the field does have a near 50% turn-over of employees. This is due to honest and decent people not being able to stomach the disgusting abuse and harassment doled out under directive of the management/boss/owner. The ones who STAY are a different story; many of them get off abusing people and wielding what they believe to be power.

Well…your author lives for moments like this, and would love to help the reader rip this letter to shreds; “point-for-point.” This is just a quick look, not by any means a full and detailed explanation. Hopefully this will be enough, for right now, to see what is going on, and to get you prepared for the rest of this “Example” chapter.

Let us take another look at these items.

1. “That this is an ATTEMPT to collect a debt, and any information will be used for that purpose. ”

TRANSLATION: You don’t know us, or have ANY business established with us, or owe us anything, but we are trying to extract money from you (we don’t create; we just suck). and anything you say, write, or send will be used by our team of Predatory Neanderthals to trick you into a binding agreement. Now that you have been warned in advance, we will employ every trick we are aware of to obtain your money and diminish your life.

NOTE: The part that says “That this is an ATTEMPT to collect a debt” is what establishes the sender of the communication as not YET having a valid claim, and is an indirect admission that there is no bona fide evidence. The original debt was written off/charged-off, and these collectors want to bring this non existent debt back to life so they can make a 100 - 800% return on their money. They have the right to try, and you have the right not to consent to it.

NOTE: The part that says “any information will be used for that purpose” is VERY real. ANY contact, conversation, reply, acknowledgement, or communication will be recorded or transcribed to be used against you. This is the ONLY hope the debt collector has at building a case against you in the event of future litigation (they bring you to court.) The matter of having NOTHING to do/say with these people can NOT be stressed enough; without your voluntary compliance/consent they will have a very difficult time having their way with you. But they will try anyway.

2. “This communication is from a debt collector.”

TRANSLATION: This “communication” is our desperate attempt to get you to believe you owe us something. Because of our reputation for ruthlessness and outright fraud, deceit, intimidation, stalking, and harassment, laws were passed to protect you from our unscrupulous practices. The “f{big F?}air Debt Collection Practices Act” (hereinafter: FDCPA) is one such law, and “IT” makes us declare that we are “debt collectors.” Otherwise we would NEVER admit anything to you. This gives you the opportunity to hold “us” to the FDCPA (only applicable to debt collectors) that will shield you from just about ANYTHING that we might try; if you know about it that is.

NOTE: This is also an obvious way of telling the recipient that the communication is NOT from the original alleged creditor. If you recall, the debt has been written-off/charged off/revoked by the original alleged creditor- it no longer exists.

NOTE: If the debt collector succeeded in collecting, the original alleged creditor still has it as written off for tax and other benefits. In essence the debt would double, or be claimed twice.

3. “That you have 30 days to notify their office that you dispute the validity of the debt, or any part/portion of it.”

TRANSLATION: If we send you a letter accusing you of owing a debt, you have 30 days to dispute its validity; this is an effort to appear as if we are conducting ourselves decently and giving you a chance. The truth is that if we had our way there would be NO time allowable for you to exert your rights whatsoever.

NOTE: This is why the telephone calls from debt collectors are so legendarily ruthless. They know that there is a very small window of opportunity for you to eliminate their entire position, and they will try EVERY trick in the book to keep you scared, intimidated, and flat on your feet so that you have little to no time available for rational thought and reflection about your rights. They also know that instinctually you will be polite and generally non-combative; if they can keep you on your heels (defensive posture) there is less time available for rational strategy to defeat them. This is a clever strategy, but it is easily defeated/circumvented when you understand what is happening.

4. “That if such dispute, demand for validation, or request for information on the original creditor (alleged) is not made the debt will be considered VALID.”

TRANSLATION: The ONLY reason you are being told this is because we HAVE TO tell you. You have no agreement/contract with us in any way, shape, or form. What we were able to achieve by spending BILLIONS on lobbyists is the fact that one of the most important rights you have is NOT included in this warning: “If you do indeed demand Verification, we MUST STOP ALL COLLECTION ATTEMPTS until such Verification has been provided.” Another thing that you will not be told is that it is nearly IMPOSSIBLE for us to verify ANY of our alleged claims, but we feel confident that you have NO IDEA how to use it against us.

NOTE: A matter must be expressed in order to be resolved. If you do not express your disagreement with the allegation/charge, you are in fact allowing it to stand uncontested adding to its validity. If more than 30 days were to transpire without the collector being notified of the request/dispute, it becomes a VALID one in the eyes of the court.

NOTE: “information on the original creditor” may include an answer to a simple question like: “WHO is this alleged creditor, and who is the one who will swear that the information is true, complete and certain?”

5. “When demanded/requested in writing (within 30 days) the Verification, or a copy of a judgment, will be provided.”

TRANSLATION: PLEASE DON’T CALL OUR BLUFF; pay no attention to the man behind the curtain.

For us to appear as legitimate recipients of an obligation (standing in receivership), we must also appear to be willing to defend our legitimate claim. If you ask us in writing (written communication) and can show proof of service (by using an Affidavit of Mailing, and by sending the article/communication to the debt collector via Certified/Registered mail (Return Receipt Requested, Restricted Delivery, with the article number inserted directly into the communication.)) you have effectively “Served the article upon us” and we MUST follow very strict procedures to avoid catastrophic losses of freedom and fortune. Once this process begins, we are practically doomed to defeat.

NOTE: This has to be said for appearances, and to avoid entrapping the alleged debtor. If you ask for proof or facts, they MUST be provided OR the claim against you can not stand, and must be rescinded/removed/dropped.

6. “That the name and address of the original creditor will be given, if the name is different than the current creditor.”

TRANSLATION: This is our industry admitting to running our operations in a similar fashion as Enron; we play a game of three-card-monte {no hyphen, or if you must, just in the double adjective not before monte} with the originator of the alleged funds. If you do not follow procedures properly, and accidentally request {I don’t understand why this is included. Accidentally request from whom for example?} validation or a pay-off balance from the wrong party, we can try to wear you out through attrition and frustration.

NOTE: If one were eager to tender payment in full, the originator of the alleged debt must provide full disclosure (if requested in writing) of facts {so as} as not to impede or delay such payment/tender. This might sound trite, but if the alleged creditor was adding fees and interest to the balance in question, delays could be quite costly for the alleged debtor. That is why the FDCPA had this line added to the warning.

This mini-Miranda warning originated from the abuse and deception/theft that was going on within the collection industry. It also stems from the Legal necessity to not only provide an avenue of remedy for one who is falsely accused, but it lets the powers-that-be gloat in confidence that you were told about your rights even if you do NOT understand what they mean or how they can be used to your advantage.

Is it not amazing that these few simple facts (items one through six) hold/imply so many other meanings and implications? With just this brief examination, we have uncovered an entire alternate reality. When one learns about these “alternatives” there are infinitely more options available. Some call that freedom.

Back to the overall Example:

After receiving your letter from hell, you have three basic choices as to how you may then proceed:

1. Ignore the letter and do nothing.

2. Pay the entire sum in question.

3. Fight/dispute the validity of the “alleged” claim.

The collector is counting on the alleged debtor to either ignore or pay the alleged obligation. Statistically, this has been proven throughout the years to be a correct assumption by the debt collector. Again, they are counting on YOUR ignorance of YOUR rights, and are confident that the intimidation and harassment has been sufficient to take the proverbial wind out of your sails.

Most people just want to be left alone, and want these parasites to go away for good. While this need/want/desire is completely understandable, it is completely up to the individual as to “how” this will be accomplished.

If one chooses to use the method described in #1 (Ignore the letter and do nothing.), there is a high degree of probability that the action will result in a law suit. The collector has given you notice (albeit while kicking and screaming) that you had 30 days to dispute the alleged debt. Once this 30 day window-of-opportunity has expired without written communication disputing the alleged debt, the collector now assumes the debt to be valid. When these facts are brought up in court, the collector will be looking for an Order of Judgment to be awarded in their favor. If the alleged debtor can not provide direct evidence of a mistake/error/fraud, that Judgment will be issued/granted in favor of the NOW legitimate charge. Time to pay up if you do not, you are going to have your property taken away from you.

NOTE WELL: This might sound like the end of the line, and for MOST people it is. However there exist some very creative solutions to meeting this obligation and they can be used in ANY stage after the Judgment has been awarded. A personal favorite is to tender a Promissory Note for purpose of discharging the monetary obligation. This is a vastly more “cost effective” way of meeting the requirement of satisfying this legitimate obligation because one does not have to use a very scarce and hard to come by medium of exchange, i.e. federal reserve-less Notes. This method will be described in greater detail later on; it is brought up here to give the reader some other realistic and effective methods/options in which to draw upon. And YES, it is completely proper, legal, and lawful to do!

If one chooses to employ the method described in #2 (Pay the entire sum in question), several things are being said/performed both indirectly and directly. The most important of these is that you have unknowingly given these parasites your consent to enter into a new contract/obligation that did NOT necessarily need to occur. Once this has happened (your voluntarily entering into an agreement/contract), you have added strength, confidence, and another feather in their greasy little cap, that will give them (the collector(s)) even more ammunition/resources to implement this wealth extraction process on OTHERS. (You Dork you have unnecessarily surrendered.)

NOTE: Do you recall the aforementioned part that described that you have NO contract/agreement with these people?? Well when {say ‘if’} you agreed to conduct business with them that is now shot to hell; now you ARE obligated.

If one chooses to employ the method described in #3(Fight/dispute the validity of the “alleged” claim.), one is embarking on a most empowering and dramatic course of action that will change them forever. Again, there is no agreement/contract, and you are going to be making that painfully obvious to the collector with this dispute/demand-for Verification. (This process is going to take at least one full chapter to explain with clarity; this is ONLY a summary.)

NOTE: Once a debt collector has received written communication that the alleged account is under dispute, or that a request for Verification has been demanded, the FDCPA comes into play in a very significant way:

“ALL collection activity MUST immediately come to a halt until the dispute and/or validation has been settled/proven.”

This singular sentence should be INSTANTLY committed to your long-term memory. This is one of the KEY and most vital factors in having the alleged debt permanently removed from your life; it is nearly IMPOSSIBLE for them to provide a true verification. Before that critical word is used again, let us examine the definition:

Black’s Law Dictionary, Sixth Edition.

“Verification. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.”

NOTE: If one were to “swear” something to be correct (via Affidavit, Oath, or Deposition) one would NEED first-hand knowledge of the facts for that Affidavit, Oath, or Deposition to be valid. Dou you believe someone in a debt-collector’s third-party position/capacity has first hand knowledge of ANYTHING? Well, they do not.

There is only one type of exchange that can be Verified; one that has/leaves a paper-trail of the transaction of public-funds. Again, in America, public-funds would be the use of the rare and scarce commodity known as federal reserve Notes; there are ONLY about 600 Billion dollars worth of these Notes (even though there are TRILLIONS in DEBT that need to be serviced by them = scam) for a nation of nearly 300 Million. If one were to go to a private car lot where the owner has obtained the automobiles at an auction or through private exchange with the previous owner, that individual might be offering private financing. If the request for Validation was made after the exchange, all the lot-owner would have to do is show the account transaction records where the public funds originated from. The invoice/receipt of the exchange of vehicle for a Signatory’s ‘promise-to-pay’ and the proof of public-funds accompanied by an Affidavit of facts spelling this out and sworn by the lot-owner, would satisfy and prove the verification request. Real exchanges of public-funds are the only obligations that can be Verified. Everything else is border-line fraud, and if attempts to collect are made after written communication demanding validation is Served, there IS fraud punishable by incarceration and fines/damage-awards.

In later discussion of the FDCPA, we will be going into these matters with extreme detail.

For the sake of clarity, and to reduce complication and confusion, let us quickly review what has happened:

You apply your signature (the asset), and created fiat money credits out of thin air.

This creation is a negotiable debt instrument, and it is YOURS.

The original alleged creditor claims YOUR asset as their own, and posts it on their books as an asset.

This newly acquired asset (YOURS) is loaned back to you, at some rate of compound interest. This is usury at its worst.

The funds/credits to pay the always compounding interest were NEVER created, just the original amount.

At some point you become unable and/or unwilling to continue sending your real public-funds for payment of a monetary obligation that was created under some VERY unique and questionable banking practices. In other words the ‘flow’ of funds stopped flowing.

After exhausting the alleged creditor’s Administrative Remedy Procedures, they are forced to write-off/charge-off the alleged debt. (but they have sustained no REAL injury or damage remember?)

The alleged creditor assigns, sells, or novates the “alleged account” to a third-party debt-collector for pennies on the dollar.

The debt collector attempts to initiate and bind a contract via written or oral communication.

The debt collector sends the letter-from-hell. (Has a ‘mini Miranda’ on the letter.)

The alleged debtor comes to the three-way fork in the road.(Let’s say the decision is made to dispute.)

Notice of dispute, right to initiate counter-claim, and demand for Validation is given.

Validation is demanded, and an offer of performance is given with tender of payment.

If this is what one decides to do let it be known right now that the collector(s) will trip a breaker when confronted. They do NOT like it when people stand up for themselves and fight back. In fact, they are behind the eight-ball when this is done properly and will try a lot of very sneaky things to get you to attach yourself to this debt they bought.

Again, this has only been a summary of what happens. Depending on the feedback, I will adjust the text accordingly to make sure that the most amount of people can fully understand what to do about it. We had to start somewhere…

This is just the tip of the proverbial iceberg, what will be coming up in the next chapters will be very hard to believe for most people; unfortunately for the great majority it is all too real.

“All truth passes through three stages. First, it is ridiculed. Second, it is violently opposed. Third, it is accepted as being self-evident.” — Arthur Schopenhauer

Right now we are in the first stage; most of what you have read here (as options for the debtor) comes under immediate attack as being something evil, a way of cheating, or as being “un patriotic.” If this is what you believe, I can not help that. The system itself is something that MUST be changed if we are going to end the boom-bust-depression cycle of economic slavery. The methods described herein are used by the elitists of our society daily; they understand how to use the rules to their advantage; that is why nothing changes, it only gets worse.

However, when we hear about the rising levels of debt/bankruptcy/charge-offs we are led to believe that people who do these things (go bankrupt) are evil, and that THEY are responsible for the demise of the economy. This is complete bullshit - the system as it exists or ‘as it is today’ was DESIGNED to cause bankruptcy and foreclosure, and now you know better. The ONLY thing that is happening here is that people who have a vested interest in robbing you blind and enriching themselves have gotten you to believe in an alternate reality.

If you consider the untold millions of people who have lost everything because of the inability to make payments on something that they did not HAVE to, it morphs into larceny. But wait it gets worse.

Recent economic data shows an alarming trend of more and more people having oversubscribed to unsecured debt, and are defaulting in shocking and alarming frequency as the economy slows down and enters a deflationary environment. The implications are simply mind boggling considering that the trend is gaining momentum with EVERY lay-off, pay-cut, wage reduction, asset devaluation, and foreclosure/bankruptcy. Recent market gains are only implemented to keep the participants in the game as long as possible with a false sense of hope.

Recent examples showing the EFFECTS of this trend can be seen by examining the below events (no particular order):

The collapse of the TAX revenue stream as evidenced by the massive STATE deficits currently hitting the news; the 1.68 BILLION dollar a day foreign trade deficit addiction; the bankruptcy of United Airlines and other MAJOR corporations; the melt-down in earnings from a market staple like SEARS; shake out at the White House’s {highest-ranking} economic personnel; the ever increasing numbers of defaults/bankruptcies; the pending failure of one or more of the “big-three” auto makers as sales dry-up even with ZERO% financing deals and post-dated payments (A.K.A. the Auto bubble); the declining/shrinking retail sales figures; questionable labor market opportunities(the jobs available are for less pay than jobs of yesterday); early indications of the ‘topping-out’ process in the housing industry (A.K.A. the housing bubble); a seemingly desperate attempt to ‘find’ a war providing sales to one of the only remaining manufacturing sectors left (military industrial complex right 41?); the complete disappearance of personal/business savings leaving only the usury lending schemes to bring currency into circulation; the increasing disconnection to reality at the fed with recent moronic, foaming at the mouth comments by governor Bernanke below:

“The U.S. government has a technology, called a printing press (or, today, its electronic equivalent), that allows it to produce as many U.S. dollars as it wishes at essentially no cost. By increasing the number of U.S. dollars in circulation, or even by credibly threatening to do so, the U.S. government can also reduce the value of a dollar in terms of goods and services, which is equivalent to raising the prices in dollars of those goods and services. We conclude that, under a paper money system, a determined government can always generate higher spending and hence positive inflation.”

Someone get a rope!

This is real folks; the fed is so sure that you are lost in the fog that they are sticking it right in your face. The above quote is so repulsive, its very utterance should cause riots in the streets. But alas, our Nation sleeps in a moronic stupor unaware that a fed official (governor) has openly admitted to the coming destruction of what little value is left in the Dollar. This would appear to be intentional theft as the single largest demographic of America is over the age of 50 right now and heavily dependent upon their savings to get them through their golden years. By destroying the value of those saved Dollars, the future of the baby-boomers seems to be getting more questionable by the day.

These statistics and references may seem boring compared to the latest media sponsored distraction, but they are a road map to our future. What they are telling us is that the amount of available credit is set to implode as far less people qualify for additional credit(s.) This fact alone is a component in the economic formula, that makes it mathematically impossible to print/inflate our way out of it this time because less and less people and corporations qualify for credit even when the apparent rate of usury is low.

If the economy were a ‘coal mine’ the ‘canary’ would be long dead, but you are told that things will be ok {OK}. Our early warning indicators are being ignored, covered-over, and out right lied about. The canary is lying on its side at the bottom of the cage and has not moved in two years. There is NOT going to be a rebirth of the bull market, and the current depressionary incubator is just getting up to full temperature. Unfortunately the harsh conditions being experienced by millions of Americans right now, with the negative economic forces at work are but the very tip of an enormous iceberg. In other words, we have only seen the initial stages of the deflationary/hyper-inflationary nightmare that has been known throughout history as THE event that topples governments and disbands empires.

When we allow others to use us and our ‘free-will’ for their own enrichment and desire, we are in fact surrendering not only our resources and wealth, but our very future {delete ‘future” ? }viability. When push comes to shove, this SURRENDERING is where the vast majority of our societal problems lie. If we allow evil to thrive do we not invite its wrath?

If you would like more immediate detail or clarification please start asking questions. They will go into a Q&A post that might possibly help others “SEE” the bigger picture.

I am not compiling any list, and the information/questions will remain in the strictest of confidence. If this is still not reassuring enough, then by all means send your questions to Raye (or someone else) and she will get them to me. They could also be sent by proxy server that would guarantee anonymity. This will also allow me time to begin addressing the tone and complexity of the upcoming sections that deal directly with the specifics of the above information.

Since the introduction piece was posted, there has been little in the way of feedback or questions, and it is hard to believe that there is not a virtual flood of them. The reason such a big deal is being made here is that the coming chapters will be using the information given thus far as a foundation.

If it is not solidly understood, many may/will be left behind and there is nothing that scares me more. Don’t be shy, my intention was to make this interactive take me up on it.

MONEY MATRIX: QUESTIONS AND COMMENTS (Pt I)
By: SecuredParty

Below you will find some very insightful and intelligent questions regarding the Money Matrix series, and some of the issues related to the overall topic. These replies/answers are my opinion only and should not be taken as advice - I am NOT a lawyer, nor do I have any license or other accreditation to give advice. Furthermore, anyone requiring legal advice or having legal problems with their credit should consult with a competent attorney experienced in such matters.

The questions appear in the order they were received. Some of the questions were duplicates; in those cases the most detailed or specific of them were used. This is a lot of fun for me to do. As far as I know of, there has never been an interactive exchange like this before; where the readers have the opportunity to change the course of the original material’s presentation in real-time. We could be breaking NEW ground here; time will tell. If this view is incorrect (someone has seen it done before), please send me a link, or tell me about it, and I will post an apology to the forum for being so presumptuous.

In the event you have not had the chance to read the work to date in order, here are the links to the introduction, and the Example (parts one and two):

Ok, on to the questions…

QUESTION #1 FROM MIKE:

1. When you say that a credit card company has no claim over items purchased, it is evident you have never been through bankruptcy.

COMMENT/OPINION TO QUESTION #1: You are correct in your speculation that I have never gone through bankruptcy personally. I have on the other-hand, seen people I know who have gone through Bankruptcy. They were very scared, intimidated, and humiliated by the whole process, and had no idea of what their ‘creative’ options were BEFORE such a move was committed. The “KEY” to all of this is to anticipate the opponent’s moves and remain on the offensive; being early and being prepared are precious assets in this Matrix of lies and deceit.

Our present/current system is designed to create bankruptcy and foreclosure; it is a mathematical certainty that it will happen on a mass scale every 50-70 years or so. History records these events as being ‘unforeseen’ panics that led to a depressionary environment - this is complete nonsense. When you read comments from me like: “The cycles of boom and bust are as accidental as the launching of the Space Shuttle” this is my attempt to make that misnomer/dis-information a clearly visible joke. It is not an accident that our economy is in the shape it is right now; there was a pre-determined plan to allow this to happen - that is a fact, regardless of how politically-incorrect that might be for now.

The credit card issuer has no claim to one damn thing that you receive with the credits YOU created with your own asset (signature) unless you “CONSENT” to the claim. They created nothing, and never actually paid you, or made an equitable exchange of value. They sent a digital credit, or a negotiable debt instrument to a receiver bank; there was never an origin of public funds (non verifiable). Their only function was to run the “three-card-monte” game while appearing to be upstanding and proper, while reaping extraordinary profits the whole time. You can not make a silk purse from a sow’s ear, and a credit card company can not make a claim and have it stand if you challenge it properly, and can do it in an expedient manner.

OR…The company ONLY has a claim if you do NOT dispute the origin of the funds in question EARLY in the game before to the new obligation was allowed to stick (by subsequent admissions through implied ’silent consent’); you have failed to “meet the terms of the obligation”. You must satisfy the obligation (or prove it does not exist) in some way, otherwise you will be viewed as having “dishonored” (good word to do a search on) the promise/agreement. At that point, you might well be in a position to have assets removed/garnished/liquidated. This is a very difficult topic to grasp at first, but with time and effort it becomes much clearer and understandable.

A properly submitted/formatted Promissory Note for Purpose of Discharge (of monetary obligation) would meet said obligation, and head-off any predatory confiscation. The primary reason that this works is because you are offering a “conditional acceptance” wherein you are saying I WILL pay the sum in question the moment you verify the claim/demand. The really cool part of this is, that it drives these parasites completely crazy (Prozac and Lithium sales are likely to increase in coming months and years) when you use the rules to YOUR benefit instead of theirs. When I applied these techniques in my personal life, it was an amazing (and surreal) thing to witness/watch happen - they simply run away. I also made sure to enjoy myself in the process by letting them “know” that they were being ridiculed, toyed with, humiliated, and called out with full disclosure of my intentions - it kept me focused. These matters also had the most profound impact possible; it made me realize with real first-hand knowledge and experience that the Matrix is for real.

I have seen the beast with my own eyes, I have fought the beast with my own pen, and I have kicked…its…ass.

A short rant:

However, I have never felt such fear for our civilizations near-term odds of a non-calamitous future. The amount of people in this world that are suffering at this very moment, due to the “unknown/unforseen” abuses being perpetrated by this money cabal is simply too staggering for my little mind to envelop completely. In many regards, I can hardly fathom the general public’s complete disregard and dis-interest in finding out more information about how one of the most primary aspects of modern life affect them. How much time does one spend picking out a new home, automobile, or large expenditure compared to how they will pay for it? If even 10% of our population KNEW what this system is doing to the Nation and the world for that matter, the revolution/reorganization would already been well under way.

It should be rather obvious that I am not making a lot of friends here; there are those who have a vested interest in you NOT knowing how this works - how the man behind the curtain operates (Sir Alan in a tutu). The first-hand down-loaders of this series might also be looked at, possibly, some day (life would be hell everywhere at that point, so this might be a moot tangent) but the ones who received the “print-outs and the copies/floppies of them” they can be assured of gaining the truth without any real liability for learning about it - but the clock is ticking folks and the mass-foreclosure is quickly approaching.

Just before typing this section, I thought of the movie Outbreak. There was a scene that showed a map of the United States and it showed what an hourly, forward looking projection (time-lapse) of the exponential progression of a ’super-bug’ as it accelerated post outbreak. In this scene, the map shows little spots of red on a white background, then it has more, then little blotches, then coalescing blobs - then it just went red. That was a visual image of a (non-linear) mathematical progression; it shows how things can ’spread’ if everyone would begin to act.

If you find this material worthy of showing to others, please consider the following before you do:

1. It must include the original links back to RMNews, and the text in its full detail / in context (non-redacted).

2. It MUST be done for NON-commercial gain/profit.

If those simple requests are met, please feel free to distribute. All other rights reserved.

COMMENT BY MIKE: In one case some years ago I saw one weasel-like company actually lay claim and take physical possession of, as pronounced by a judge, all USED items (including a VCR and winter coat) proved through store account receipts to be purchased with the card.

REPLY TO COMMENT: Again, if the obligation had been properly addressed in the earliest available moment, the matter would NEVER have seen the inside of a courtroom (the Machine). This is staying within the ‘Administrative Procedures’ arena, which is non-judicial; lawyers are NOT king in that arena, thus it evens the odds substantially. What I always considered the highest priority was getting the collector/alleged-creditor to make the first dishonor in the administrative process; this means that they have already lost before court would even be considered. This will be brought up in much greater detail; it is a key item in the “Art of War.”

Most (not all) of the lifer’s in this collection industry are indeed quite slimy and weasel-like. This could be due to an undocumented spike in Darwin’s theories and that a certain genetic mutant group has adapted a way of repelling remorse, kindness, decency, and fair-play via a naturally occurring form of oozing gelatinous exo-toxin. This is possible considering those in this evolutionary fold of the obscene mutation would NEED this to defend their species, and its involuntary/intuitive need for self-preservation. Without this exo-toxin defensive/slimy coating, no mortal could survive the occupational hazards of turning people into economic batteries. (Still, I hope it gets through and wounds their inner child)

So far this genetic happenstance/mutation seems to be adapting fairly well for them, although they probably have a difficult time finding a decent soap that will lather.

COMMENT # 2 BY MIKE: In my opinion, from dealing with attorneys, the simple act of making the first credit card payment would be sufficient admission that the debt was admitted and owed.

REPLY TO COMMENT: This is an understandable position, although I adamantly disagree with you here. If I heard a Plaintiff (the lawyer representing their client: satan - in the form of a central banker) present those ‘little-gems’ in public, as an attempt to corner me, I might reply with something like: “This is innuendo, irrelevant, sequentially improper, and somewhat mis-leading to the main point of my defense to this patently false allegation; VERIFY and PROVE that the origin of the obligation began with the issue of public-funds under the control and direction of said “alleged creditor” - if you can I will conditionally tender payment, OR, sit down and forfeit. But that is the way that I see things; your situation could differ substantially.

In the “event” (it would deserve a ticker-tape-parade for rarity) that verification was legitimately made, the matter would need to be handled a more conventional way, i.e., paid in kind (public-funds). However, in the regular series of events, that in which proper sworn verification can not be produced; there is NO debt.

The before mentioned “conditional acceptance” would offer a Promissory Note for purpose of discharge of monetary obligation would be sufficient to settle/tender-payment in order to balance, and close, the books for good. At that point, with the original contract either revoked, rescinded, or the account charged-off by the original alleged creditor, there is no existing agreement; they are out of the picture - GONE. Think of it as “from dust - to dust.”

Much more in an upcoming chapter: “Money, Notes and, Economic Hallucinations.”

Besides, if the alleged debtor “had previously believed” that there was actually money involved they would be happy to be making payments right? It would be the proper thing to do. Well what happens when after someone reads material such as this, and is suddenly awakened to the fact the whole thing is a smoke and mirrors circus side-show performance. Again, I were improperly rebuffed/refuted, I would be counter punching with an allegation of voluntary and wanton/willful fraud - for knowingly making false accusations after a demand to verify the exchange of public-funds was properly presented/served, to which no bona-fide evidence was presented. This opens the door to at least a DOZEN civil charges that can be filed against the huckster in question; should one find that appropriate.

There again the commercial maxim: “A matter must be expressed to be resolved” - If one does not express their displeasure with an agreement/contract then there is no hope of getting the intended results - economic freedom.

In previous conversations I have seen a few lawyers blow a fuse right in here, they say things like “you can’t just do that” or “that can be defeated”. All emotion aside, I have YET to see this fail when done properly. If this ever did see the inside of a court, the whole process begins with the Plaintiff (the lawyer representing their client: satan - in the form of a suited banker) asking: “Is this is your Signature” while pointing at a piece of paper with your autograph on it. If YOU decide to no longer remain party to a deceptive practice, or, can no longer function within the agreement for moral reasons then you - and only YOU - can rescind that Signature. Should that fail, you can offer a conditional acceptance and short-circuit them. You can choke them on their own paperwork and rules; if you believe you have been scammed.

A reply I heard used just recently went something like: “Those ink-marks and scratching-patterns are not my signature.” The Plaintiff blew a fuse and angrily replied “right here in front of you…is this…your…Signature?” The MOMENT the plaintiff stopped talking, the Defendant said in a loud tone “asked and answered.” From that moment on the Plaintiff must devote time and resources trying to prove that it was, that is, if he wants to proceed ANY further in the effort to unjustifiably extract wealth. (BTW, he (the suit) went back to his seat shaking and noticeably dismayed…he never saw it coming, and had no way to continue - case dismissed )

COMMENT #3 BY MIKE: Review the supreme court findings of Brown vs. IRS in the early 70’s wherein his prior income tax forms were used against him to prove he knew how to file and had previously admitted he owed taxes.

REPLY TO COMMENT: This is not a matter of alleged previous-obligation; it is rebutting the charge/allegation right out of the gate, and demanding evidence prior to performance. In tax issues, verification is a signed tax form - that is real. However, conditional acceptance will usually put the brakes on as you just became too large of a hassle; unless you are high-profile, or make over $27.34 a year. The hardest thing to learn about the Matrix is the fact there is no real money involved, just fractional-reserve imaginary credits created for purposes of enslaving a planet to benefit a few hundred pompous and near-worthless parasitic drains. (see http://www.rumormillnews.com/cgi-bin/forum.cgi?read=26706 - COMING SNAKE, LITTLE WEASEL & SPARRING WREN for a humorous example of what happens when the group/masses realize how absurd and useless these “Elitists” really are.)

To my knowledge, and opinion, these above mentioned tax-related cases all had similar circumstances of failure on behalf of the alleged debtors to satisfy the terms and conditions (from existing contract) of the initial administrative remedy phase. Even TAXES can be discharged by using advanced administrative remedies.

Now, just for the record: “I am **NOT** condoning ANY tax protesting (dishonor) - or other big brother dis-approved stances.”

However, if you know you are dealing with a collection agency for the fed, one might just want to give them their “payment” in the form of a negotiable debt instrument; you make the choice - frn’s, check, or a note. There is a whole chapter coming on this subject alone… (And you can’t go to jail for making a promise - regardless of what people who don’t know tell you.)

COMMENT #4 BY MIKE: BTW, Many credit card disclosure statements (which I always read in detail for entertainment), started adding a clause a few years ago disallowing the purchase of gold bullion which all bullion dealers I have contacted since, know about and honor.

REPLY TO COMMENT: Great question/observation Mike!!

This is just so much fun…you are going to love this! Just like everything else in the Matrix of lies, there are many alternatives for ANY individual who desires to reach their intended goal. This is just ONE of thousands…

You can use a credit card to order gold, silver, platinum, palladium ‘COINS’ that are just marginally on the numismatic scale, all the way up to the ultra-rare collector pieces. You will still be using make-believe, fractional-reserveless digital credits; they can be used to acquire the metal of your choice, and then lawfully discharge the obligation and satisfy the debt (monetary obligation) in a more creative (and less burdensome) and complete way - for YOU.

Here is some quotation from Don Stott (a real nice guy who is sharp as a tack) http://www.gold-eagle.com/gold_digest_03/stott011003.html

“…What good is an unbacked piece of paper? Mortgages have property in back of them, as do deeds. Titles have cars, boats, trailers, or tractors to back them. Birth certificates and marriage certificates have people and marriages in back of them, and in the case of marriages, the courts will take a marriage certificate as evidence to rob men of most of what they own, many times. Stock certificates have a billionth ownership of a corporation to back them, and bonds have whatever they are financing to back them. Notes have promises even, but the dollar? Zilch. No promises, other than a promise of more dollars.”

QUESTION #2 BY MIKE: Any comments about cash advances on credit cards? No receipt, no provable trace to goods.

COMMENT/OPINION TO QUESTION #2: What cash advances are you talking about?? Did the alleged creditor send you a box, sent via insured and/or registered mail that was full of federal reserveless Notes (negotiable debt instruments) when you requested it? I believe what you may be referring to is the credit card company drawing upon the asset on their books (yours) and using the electronic payments system to send a ‘digital representative’ of the asset to a receiving entity (another banking institution) that draws the funds (Notes) from the public storage bin (the vault). The receiving entity was glad to conduct the exchange in order to facilitate the fleecing and robbery process of its allegiant accompli robber baron partners in atrocity. Besides, all they ever sent you (even if it WAS a box full of actual federal reserve Notes) was your asset anyway. They (banks) are making money on the accounting and service from BOTH ends (consumer & retail) so they are getting paid for their accounting and ledger activities, as well as from the point of sale transactions. They should get paid for these services; it is the only damn thing they earned - they had to do something besides lie, swindle, harass, and rob people of their most precious asset - TIME.

When you said “no receipt, no provable trace to goods” that sounds to me like it could be considered by some to be conducive to stimulating the perception, that these laws and methods “could be” used in some type of deception, crime, fraud or other act of deviance.

Although I am in NO WAY accusing/implying that the reader named “Mike” has meant this to be the intended interpretation of the nature of his question/comment, and that I have not taken it as such (would have no way to verify/prove anyway) - this would be a decent place to bring up a very important and valid detail for the reader.

If one were to employ these laws and methods in a/the act(s) of deviant or criminal behavior there is going to be some SEVERE blow-back - more so, than if you had just done the deviant act out-right. Thus, it is only logical that it would never be in the financial best interest of ANY individual to use these methods improperly, or for other deviant/nefarious/unlawful intentions in any way. All have been warned.

It all just don’t add-up real good.

There is a kind of safety mechanism that is within the Administrative Remedy procedure(s) that will expose a fraud or the attempt at one. Since it IS in my social best-interest to not allow such activities, also, because of my beliefs of fair play and ethical commercial practices, I felt like I needed to say that. There is a BIG difference in defending oneself from false allegations/demands/claims and committing a crime with forethought. It is also a form of full-disclosure on my behalf - relieving me of the minuscule chance/liability that someone made a claim of entrapment or other futile nonsense.

QUESTION #3 FROM MIKE: What is your opinion about the possibility of another gold confiscation, especially, say, if some foreign country to whom the US is in debt, concerned over war times, decides they no longer want FRNs and demand gold instead. I would love to read any sources you might have describing the rules and details of the 1933 confiscation and how people might have attempted or succeeded in eluding it.

REPLY TO QUESTION #3: In the event there is another Executive Order given demanding that privately held real-money (i.e. gold, silver, platinum, palladium) it seems logical that those who DO NOT know their rights will be suckered-in again. When this occurred in the 30’s, millions of people were unaware that they DID NOT have to turn over their property without just and fair market-value compensation. Don’t believe me and my opinion, look at this:

Stated within a written document received September 17, 1997, from the U.S. Department of Justice, Office of Legal Counsel, Office of the Deputy Assistant Attorney General, Richard L. Shiffrin, in response to a FOIA submitted by the editor of The American Voice newspaper, was the following:

“A fact that is frequently overlooked is that Executive orders and proclamations of the President normally have no direct effect upon private persons or their property, and, instead, normally constitute only directives or instructions to officers or employees of the Federal Government. The exception is those cases in which the President is expressly authorized or required by laws enacted by the Congress to issue an Executive order or proclamation dealing with the legal rights or obligations of members of the public - such as issuance of Selective Service Regulations, establishment of quotas or fees with respect to certain imports into this country.”

IT SEEMS RATHER OBVIOUS THAT PRESIDENT FRANKLIN D. ROOSEVELT WAS NOT “EXPRESSLY AUTHORIZED OR REQUIRED” TO “ISSUE AN EXECUTIVE ORDER OR PROCLAMATION” DEMANDING THE PUBLIC (PRIVATE) TO RELINQUISH THEIR PRIVATELY HELD GOLD.

We are not indebted to a “foreign country” not by a long-shot, no dear readers we are indebted to the privately owned banks and their masters like the Rothschilds, Warburg’s, and the Rockefellers. The “estimated” net worth of these conglomerates/dynasties/cabals is over a hundred TRILLION (just so you know what the number looks like: 100, 000,000,000,000 - yes, that is 14 zeros after the 1) if measured in ‘dollars.’ I have seen estimates of the Rothschild cabal alone having reached this marker of obscene selfishness and hoarding of resources. They created the mess we are in right now, the second depression in the united States, and are funding the third world war that is being prepared. These parasites and use pain, fear, and human suffering for the fuel; if you want things to change remove their power.

Let us examine for a moment the inherent wealth that is within the purchasing power of one “trillion” dollars:

A trillion dollars (in Notes) would outright purchase 10,000,000 (TEN MILLION) $100,000 homes.

Imagine a trillion dollars in pennies, stacked one on top of another forming a column that would start in NY, extend straight up in the air, leaving our atmosphere, going to the Moon, wrapping once around the moon, and then RETURNING to NY. That is one trillion dollars in pennies - a copper-clad solid-metal-rope lassoing the moon. Some have calculated/suggested that a trillion in pennies would reach MARS if the planetary alignment was correct.

A HUNDRED trillion ‘dollars’ would purchase ONE BILLION 100,000 dollar homes. There are LOTS of Nations on this planet that would consider a hundred thousand dollar house a palace, OR, a community-center/temple/hospital.

Keep that in mind when you see a home-less man/woman and you feel disgusted by them, or don’t feel like helping/assisting because you can’t “relate” to what would let someone get that way. Keep that in mind when you hear the word “selfish” or “greedy” just so you have a more appropriate definition to work with. Keep these things in mind when you the reader, or others who might read this material begin to say that “I” am doing something wrong or improper by telling the public about it. Also keep in mind the multi-trillions of dollars ‘welfare’ cost over the last 30 years alone - EACH one of those recipients could have been given a home in which to live, two new cars, and a full-stock of the most modern appliances/options of the time for that new home - for free.

Why do we have war? To keep people scared enough to NOT ask questions, think, or react (grab-a-pen). Why are we (in the US) preparing for ANY war we can get going? Because we have a thermo-nuclear foreclosure to get under way; another money-cabal brain-storm.

Does anyone remember the discussions in the media constantly talking about Bill Gates being the wealthiest people in the world? I do, and I can’t remember the last time I even heard the “Rothschild” word used in any form - let alone the public discussion of wealth. If one were to talk ONLY about people who “make/create” something than yes, Bill Gates is the wealthiest. The others don’t create, they just suck.

QUESTION FROM CARL: What actions are usually taken by the original “creditor” when regular payments are suspended by the “debtor”?

REPLY TO QUESTION: The beginning of the flow-chart series of events, known as the Administrative Procedures. This was outlined in Part I of the Example: but since we are here we can do a quick recap.

They will blemish/ruin your credit rating, write you letters, call your home, and act like a deprived two-year-old after not getting enough nap time.

This phone-aggravation can be halted dead in its tracks if one were to write the head of the collections department (using Certified Mail, Return Receipt, Restricted delivery - AKA, CRRR) of the alleged original creditor, and demand that they cease all telephonic communication immediately, and only conduct their business/future-communications via mail. One could even add something about not conducting business over the phone because of the NEED for a written record of all business-oriented communication.

Other than that, it is a sad act of impotence and whining; IF things are handled properly.

QUESTION # 2 FROM CARL: The “creditor” causes the “debtor” to call from their home phone so as to activate the credit card. What are the ramifications of this?

REPLY TO QUESTION: It is my opinion that they do this to verify your home phone number; that way they know where to call and harass you. You already entered into an agreement by consenting to the terms to get the account in the first place, making a phone call has no real ramification (in my opinion) - unless it is after payments to them have stopped. Once the payments have stopped, it would be best to say nothing unless open liability is a desired option.

In the event one is caught off-guard, control can be established by doing some simple steps. Answer NO questions, Ask for their full name and what company they represent, then ask for their mailing address. If there is ANY hostility, stalling, side-stepping, or other foolishness IMMEDIATELY hang-up the phone; unless being ignored and disrespected is considered pleasurable. If they were to call back again the same questions could be asked until sufficient information is obtained.

N.B.: SOCIAL ENGINEERING.

I know of MANY circumstances that call for what many refer to as “social engineering” in order to get information; let me explain what I mean by that. In the past, I have called the 800 number on the letter from hell (or other communication) and usually got a hold of a receptionist or switch-board operator. I always ask for name of the “head of collections” because that is THE name to get; that is the individual who knows more about the game than virtually anyone else in the company. The experienced and seasoned receptionist knows that when that name is asked for something out of the norm is going on, or she has direct instructions to not divulge ANY unnecessary (to them) information. The stalling and inquisition came to a halt when I said: “Look, I have been called and verbally abused and slandered by an employee of your company and wish to express my outrage at this individual’s behavior to THE head of the collection department. Now are you going to give ME that name, or are you going to give it to the police and my lawyer?” With the name in hand (so to speak) I then requested the mailing address of his office so I could send him my Notice by Written Communication. PLEASE remember this reference, as it will be coming up numerous times as we progress through these constructs and ideas.

If one at least has the company name, then the Secretary of State’s office can be called, in the alleged debtor’s home state, and then the mailing address for the President or CEO of the company can be obtained free of charge. If they (an executive) get a written notice (sent CRRR) to NOT communicate telephonically they MUST comply - or it is harassment. However, all of this could be avoided by changing the phone number and having it unlisted/held-private; the choices are many.

QUESTION FROM GREGG: Does a bank that gives you an unsecured “loan” have any legal avenue to collect from you (the debtor)?

REPLY TO QUESTION: All banks/creditors issue unsecured and/or secured debts, and have many “avenues” to collect what they CLAIM is owed to them. A matter that is not expressed can not be resolved; when they (bank or creditor) express themselves they are seeking remedy. In this circumstance, the remedy would be a payment, or tender in full of the alleged obligation - that is what they seek. The legal avenue they use is the administrative procedure flow-chart, as referred to before. Regardless of what you may hear, they must write-off/charge-off the obligation after 180 days from the last payment, also known as “date of last activity.”

Once the decision has been made to write-off/charge-off the account, they do have the right to sell, assign, or assign by novation, the rights of collection to a third-party debt collector. Then the phone starts ringing, and the letter from hell is sent out.

BTW, unless the debt has been VERIFIED - it is alleged (alleged debtor).

QUESTION/COMMENT FROM GREGG: I get the impression that half hearted attempts are made by the bank to collect an unsecured loan and the bank will eventually just give up, write off the loan and then “sell” the debt to a collection agency. The bank will not take legal action against the debtor?

REPLY TO QUESTION: The alleged original creditor makes diligent, as well as, half-hearted attempts in the administrative procedures of collection. What they do (how far they go) is generally contingent on how many dollars are involved. An unsecured debt of 5,000 or less is going to be nearly invisible to them, whereas a 500,000 secured mortgage is going to be placed on the top-shelf. When the alleged creditor makes an “administrative decision” they are referring to the charge-off/write-off part of the process; it is a legal action, it just does NOT happen in a court with lawyers. That is why it (administrative procedure) is referred to as non-judicial.

Just to let you know, this technology/self-assertion is applicable to SECURED debts as well; they are however a hell of a lot more work, and require a rock-solid under-standing of the ENTIRE process from start to finish - or you will be defeated. This part is a long way off in the book, if you are having ANY difficulty with the unsecured parts; the secured terminations/discharges are way over your head for the moment.

QUESTION FROM TIM: Is there some place else on the web that your info is posted in its entirety??

REPLY TO QUESTION: The ‘information’ is not mine; it belongs to each and every one of us.

The laws and the methods are readily available on the same computer you are reading from right now via the internet; the library of planet earth. The only thing I am really doing is condensing and translating these very complicated matters into words that the average person can relate to and understand all the while using personal experience to give it teeth and validity (have proof, will travel).

The digs, teasing, and truthful analysis of what is going on, is my attempt to keep myself entertained while typing out this information; otherwise it is so boring and depressing, that I could not muster the energy to do it. So regardless of what you may think, I am not being a smart-ass (in my eyes); I am simply trying to keep motivated and focused while performing my dutiful service to make this place better for the MAJORITY. If someone gets a laugh or two in the process, it just might entice others to read it and begin asking questions of their own.

Most people prefer the Ostrich mentality and do NOT want to hear about these things. This is understandable because no one wants to know they have been played for a fool or taken for a ride. Once someone has awakened to the reality of what is happening, the next step is to unhook the battery terminals and keep your energy for YOU and your loved ones, NOT the banking/usury cabal. These are HUGE emotional adjustments; I have been there and done that. When more are awaken, THEY will understand why I am doing this for free - it simply must be done.

I have personally read tens of thousands of text pages, and explored every worthwhile website I could find; from opinions to laws/codes/statutes. To this date I know of no site or book that is attempting what you are reading right now; a start to finish guide to surviving the 21st century debt super-cycle foreclosure. The most difficult part is trying to get people to realize the amount of effort needed NOW before the information is “needed” in real-time. There is a lot of work and education (reprogramming) that needs to happen before one goes about removing the battery cables. Without sufficient preparation/dedication using this data is like giving a real weapon to a child; something bad is sure to come of it.

So Tim, let me finally give you a straight answer. YES, this information can be found on other websites; but you will see it on rumormillnews.com and moneyfiles.com FIRST before you see it anywhere else. But for right now, what you see is what you get. I have my reasons for my choices, and when the time is right I will be happy to share them with everyone.

COMMENT FROM TIM: Thanks again for showing the options to escape the belly of the beast!!

REPLY TO COMMENT: It is NOT a beast; it is a little pain in the ass poodle with a terrible bark, a bladder/attitude-problem, and chronic halitosis! (Picture that)

Humor aside for a moment, the beast is us - for we allow evil to flourish, and the system to continue consuming the lives and dreams of BILLIONS. This is something that MUST change if our civilization is going to survive the next hundred years. Two absolutely ‘excellent’ posts on RMNews that address this very point can be found at:

http://www.rumormillnews.com/cgi-bin/forum.cgi?read=28004 - posted by Spiritual_Piglet, and a response post;

http://www.rumormillnews.com/cgi-bin/forum.cgi?read=28012 - posted by Aladdin

AFTER we remove the vermin and useless-proclaimers/enslavers, we really need to begin fixing ourselves and healing the infinite wounds that have been inflicted by our negligence and overall laziness as a civilization.

QUESTION FROM ROB: You promote the approach of requiring the debt collection agency to provide ‘proof’ of the debt being owed (in the 30 day window to dispute). Is this theory or do you know if anyone has used this method in court?

REPLY TO QUESTION: The only thing I am promoting is the open and public discussion of truth. When a debt collection agency sends you a letter from hell (with the mini-Miranda) you have 30 days to dispute the validity and demand verification; this is clearly spelled out in the Fair Debt Collection Practices Act (FDCPA). Links to the Federal Trade Commission’s website can be found toward the bottom of this posting (part II).

THIS IS NOT THEORY; it is **very** real and I have witnessed and/or partook in this sequence of events dozens of times (with 100% success) - that is what is meant by “having first-hand knowledge” as described in earlier sections of the Money Matrix. If one has been diligent in the re-education process (realizing you are free, and NOT subject to being abused without consent), and has a SOLID under-standing of what is going on and how it effects them, one can implement these and other freedom enhancing actions. If possible, try reading the whole series in one sitting - or at least again in order. The long delays in getting this typed and formatted is a major distraction. When you come across words, terms, and other things that you need more information on use a search engine to help you over the hump. If that is insufficient, or additional opinion is desired - send it to me.

QUESTION # 2 FROM ROB: In general, would they simply provide a statement from the original creditor — possibly a photo copy of the original application for credit w/signature? What do you, the consumer, do then?

REPLY TO QUESTION: When a proper reply letter is formulated (mine have been over 19 pages (9 or 10 point Ariel Narrow) with attachments, and not including Affidavits), the collector has not a single doubt as to what they have been demanded to lawfully do, or what will happen if they do not follow the law.

In the event they should test your knowledge and under-standing of their sick little world (which is why I repeatedly stress a SOLID base of knowledge) and send you a copy, invoice, or other absurd lame-ass excuse they have NOT verified the debt - they have dishonored your presentment. The credit application w/signature is not verification. Only a SWORN affidavit, oath, or deposition confirming the correctness, truth, or authenticity constitutes as “true” verification. The best part is once they have signed the green-card for the Certified mail (acts like it being served upon them) they only have 30 DAYS to get a sworn verification to you or they have dishonored your presentment and LOST any right for further actions - No validation, no debt.

If one were to get an Affidavit of non-response from a Notary public, after the 30 days had elapsed, and follow some strict guide-lines, it acts in many ways like a Judgment in YOUR favor that the debt does not exist. With this documentation you (by yourself at minimal expense) can begin the repair of your credit reports by demanding the “unverified” erroneous claim be removed. BTW, this can also be used to SLAM them should they elect to proceed any further.

For someone to Swear to something, they must have first-hand-knowledge of the facts or it is instantly refutable (point for point) as hearsay. The big secret really comes down to this; only YOU can have the first-hand-knowledge of the facts behind your agreement/consent. Unless you choke (mess-up) and allow such things to be foisted upon you without rebutting/challenging it, there is no way it could be verified properly. The poor sap that provides a false verification to me is (possibly) going to jail, after it is rebutted point-for-point as an outright attempt to commit fraud.

Just keep in mind; there are some debts that can be verified - those that originated with the issue of public funds. NOT digital Matrix money.

QUESTION FROM KEVIN: Are goods purchased with credit cards under any type of lien where they could be demanded to be surrendered?

REPLY TO QUESTION: This is a good question that a proper comment would need lengthy clarification to address. Here is a quick version.

If the alleged debtor was presented/served with a demand to pay, and ignored or neglected to dispute the claim (conditionally) during the 30 day window then YES - it could cause the debtor (not alleged because of consent) to loose goods or capital in the settlement of the now real debt.

However, if the presentment was properly addressed with timely reply and conditional acceptance - there is NO debt until it has been verified. A simple way to say the same thing would be: “If one disputes the alleged claim, and no verification is given, there is no debt to be collected upon and nothing to be removed/confiscated/taken.

QUESTION # 2 FROM KEVIN: What about when you use the checks the credit card companies send you to write a “cash loan” for cash, is that in any way different since it is being exchanged for FRN’s?

REPLY TO QUESTION: If the “cash loan” is based upon an available credit from an unsecured account, then these same rules and procedures apply. I would suggest re-reading the comment given in reply to “QUESTION # 2 FROM MIKE” in the Questions and Comments section, part one.

QUESTION # 3 FROM KEVIN: Are people ever taken to court, if what you are saying is true? It just seems TOO easy, the way you’re explaining it.

REPLY TO QUESTION: People are taken/brought-in, and elect, to go to court everyday; I doubt that will ever change. As repeatedly said throughout, if the matters are properly addressed in the first place, the chances of it ever going to court are radically reduced - if not eliminated altogether. Besides going to court is not as bad as most would think; if an alleged creditor is trying to deny your constitutional right to DUE PROCESS, or is knowingly violating the FDCPA (and/or committing a fraud), they can be counter-sued (BOTH: Statutory and Civil) and all awards, costs, and expenses would be paid for by them if victorious.

“I know this “SOUNDS” too easy, but that is only because you have not begun to learn all the details involved; it is a lot of work educating yourself to the degree necessary to work outside of the Matrix. But rest assured, any effort put forth will pay you a dividend that you may not be able to fathom just yet - but it is coming.

Just remember that the TRUTH is always easy, it is the lies/deception/false-hoods that make things complicated. Truth being the perfect thing that it is, will always stand out as a beacon to those drawn to it - once you know what to LOOK for, it becomes as obvious as the Sun at high-noon. This is why I am telling this tale; I am trying to give clues and options to those who have been shrouded in darkness and lies. I hope and pray that people will NOT believe me, but instead will seek out the truth for themselves. Then the individual will have found their truth. When that happens (with EACH singular individual), the world becomes a better place and I can sleep well knowing that I did my part in a service of love.

If you are in a pitch-black room and light a match, you have just created a LOT of light. When you start with nothing, anything is a major improvement/direction.

QUESTION # 4 FROM KEVIN: I realize you’re not a lawyer, so any answers would be non-binding. Maybe folks aren’t responding too much because they’re waiting for the other shoe to drop. Waiting for the “trick”. Can’t you go to jail for C.C. fraud or something?

REPLY TO QUESTION: Since the earliest of my childhood memories, to just this very moment, I have never been able to figure out what makes people act and think the way they do. I have no idea why more people are not reading this, or why I am not getting more questions from professionals in the fields of law or banking/commerce. The one thing that I am sure about is that the vast majority of folks will wait until something happens to them before looking into, and educating themselves about their choices should the need arise.

It can NOT be stressed enough that one must have the education well underway before the need arises - it is a large task.

I would like to share an example of what this implies.

My next-door neighbor is an electronics designer; he lays-out and designs those green boards you see in just about everything from toasters to computers. Besides being one of the finest examples of a person I have ever had the pleasure to know, he is as honest as the day is long.

Well, we were talking one day about how many people he knows of in the field that are out of work and I could not help myself; I began to tell him the truth about how the world financial system operates, and that all of this is no accident/coincidence. The initial conversations were met with great reserve and caution (code for he thought I was completely nuts) and it was difficult to get an entire thought strand discussed without him shutting-down.

The whole picture changed about a year ago when I went to his house and drew a projected price pattern for the markets (when the Dow was close to 11,000, and bearish was still kind of wacko thinking). During this exchange, I also recommended that he liquidate ALL of his stock and mutual-fund/money-market accounts and diversify into bonds (about 60%) and gold coins (25%) while holding the balance in cash should any ‘deals’ present themselves. The deciding logic was that if I were wrong, the gains would be minimal - but the principal would be intact, and, in the event I was correct he would make a triple-digit return. He and his wife luckily took the advice and are very, very, happy about their choices.

While all of this was playing out before their eyes, they grew fascinated by the ease (seemingly) in which I made my suggestions and recommendations. I told them about how easy it is to just figure out where we are in the overall 50 - 70 year cycle, and then just keep one step ahead of a regular and somewhat predictable pattern of events. I brought charts, and made projections on paper for a ‘record’ and so they could compare what “some guy named Steve” had to say compared to the all-knowing Wall Street gurus, and the perfectly honest government projections and statistics. Suddenly these folks started to “see” the slimy coating of exo-toxin on these ‘formerly’ respected sources. (like in the movie “They Live” w/Roddy Piper - excellent movie to watch; it was the pre-Matrix)

Once they were more assured that I knew what I was talking about (and no longer gave me ANY of those ‘looks’), I began to change the subject to that of the Money Matrix. This stuff absolutely blew them away; you could see it written all over their faces. I told them about the UCC being the supreme law of the land (and the planet), in as much as it dictates the rules in which commerce, and Maritime Law/Commerce are to be conducted. When I got to the part of the revised Article 9, dealing with non-judicial strict-foreclosure, I started to get some more of those looks. This is where I took a bold (and scary for me, I would be devastated by the loss of their friendship) stance and told them outright that if they EVER refinance their home to RUN LIKE HELL if they see the revised Article 9 inserted into the contracts.

Two weeks ago I got a call from them and they asked if I could come over for a while. While I was there they told me about the ‘terrific’ interest reduction (read; lower installment payments) they would receive in addition to “liberating” some equity. They asked again for the specifics (and took notes) of the Article 9 information. They said the information I had given them before made them feel uncomfortable, and wanted to review what to look out for. They were all set to go to closing (fully approved, paperwork ready to go) when they did the coolest thing possible.

They called the head of the loan division at the bank, and asked if the Article 9 was in the contract that they would be signing. The V.P. was impressed that they knew about it, and said “yes, it is in there.” That is when he (the V.P.) was told that there would be no closing because it would go against their better judgment, and that the contract could be torn-up. I was later told about the cold-chill that went up their spine when the V.P. said the word “yes”; now they knew how the set-up/OP worked.

The battery cables have been dis-connected.

Moral of the story: there was a LOT of work, effort, and kindness/patience that went into their awakening BEFORE it was used.

To continue back to the original question, I submit the following information for review, critique, and clarification. PLEASE do not take MY word for anything whatsoever, do some looking around and verify or invalidate what you have read so far. Consider the following:

THE FDCPA IS REAL: http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm FDCPA - As amended by Public Law 104-208, 110 Stat. 3009 (Sept. 30, 1996)

ANYONE CAN MAKE A PROMISE: regardless of what those who don’t know might tell you. (AKA - conditional acceptance)

YOU HAVE THE RIGHT TO DISPUTE: If a claim is made you have the RIGHT to question it; if there is no proof/evidence, how is there a debt/obligation?

YOU HAVE THE RIGHT TO DEMAND EVIDENCE AND VERIFICATION: (30-day validation period (1692(g)).

YOU HAVE THE RIGHT TO WITHHOLD CONSENT: you do NOT have to conduct business with ANY entity (corporation, agency, agent, or individual) that you choose not to - it is the basis of using “free-will” to conduct your affairs.

YOU HAVE THE RIGHT TO BE COMPENSATED FOR THE USE OF YOUR PROPERTY WHEN USED FOR COMMERCIAL GAIN/ENRICHMENT.

YOU HAVE THE RIGHT TO CONDUCT BUSINESS/CONTRACT IN PRIVATE (private contract).

A MATTER MUST BE EXPRESSED TO BE RESOLVED.

Here are some additional links to explore from some fairly trusted sources (by most folks anyway); again, don’t take my word for it.

http://www.ftc.gov/bcp/conline/edcams/fcra/index.html Fair Credit Repotting Act

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm Fair Debt Collections Practices Act - As amended by Public Law 104-208, 110 Stat. 3009 (Sept. 30, 1996)

http://www.ftc.gov/os/statutes/fdcpa/letters.htm Fair Debt Collections Practices Act - Federal Trade Commission Staff opinion letters.

http://www.ftc.gov/bcp/conline/pubs/credit/crdtdis.htm How to dispute credit report errors. (with an example letter)

The following was taken off of: http://www.ftc.gov/os/statutes/fdcpa/letters/cass.htm

“… II. “Is it permissible under the FDCPA for a debt collector to report, or continue to report, a consumer’s charged-off debt to a consumer reporting agency after the debt collector has received, but not responded to, a consumer’s written dispute during the 30-day validation period detailed in § 1692g?”

As you know, Section 1692g(b) requires the debt collector to cease collection of the debt at issue if a written dispute is received within the 30-day validation period until verification is obtained. Because we believe that reporting a charged-off debt to a consumer reporting agency, particularly at this stage of the collection process, constitutes “collection activity” on the part of the collector, our answer to your question is No. Although the FDCPA is unclear on this point, we believe the reality is that debt collectors use the reporting mechanism as a tool to persuade consumers to pay, just like dunning letters and telephone calls. Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e(8) to inform the consumer reporting agency of the dispute.” …(end quote)

If you are looking for a clear picture of how the fed has ruined our nation, take a look at this wonderful example hosted on a great site run by some equally great people: http://www.relfe.com/plus_5_.html It will take a little while to read, but when you are finished you will be amazed at the similarities of today’s crazy world. The best part is, it is written in extremely easy to follow dialogue/language. When finished with the article, give some thought to re-reading the Money Matrix over again from the beginning introduction; I am willing to wager that you will have a vastly clearer picture/under-standing of the overall goals and meanings. I have suggested this to others and they were VERY glad they did.

A great man by the name of Jason Whitney had this to say about money:

“To summarize in short it basically states that one cannot demand payment in a specific coin or currency. To further understand how important this is; most people think you can only PAY a debt with Federal Reserve Notes or Fed. Reserve Note backed currency. This is utterly untrue. There are many different species of legal tender or U.S. funds or currency.

The following are negotiable instruments:

Promissory Notes–Promise to pay debt instrument.

Bills of Exchange–Order to pay asset instrument.

Drafts–Order to pay either asset or debt instrument.

Letters of Credit–Can be both Drafts and/or Bills of Exchange.

Documents of Title–Asset Instrument - similar in ways to a receipt.

Warehouse Receipts–Asset Instrument - is a receipt of goods/value.

All of the above can be traded or bartered in exchange for goods and services - in other words, used as money.

Primarily with respect to Banking/Lending/Taxing institutions it is most applicable that one can tender an alternate to the debt laiden/liablity instrument FEDERAL RESERVE NOTE.

If you tender an offer i.e. offer of performance accompanied a by either a bill of exchange, documentary draft or promissory note and an alleged creditor/lender refused/rejects/dishonors your offer then there is discharge pursuant to UCC section 3-603(b) and further supported by the authority of public policy HJR 192 and Public Law 73-10.”

Here is House Joint Resolution 192 (commonly referred to as HJR 192) that effectively robbed the people of this Nation of their lawful real-money - that being gold and silver. What we were left with (at the bottom of the LAST depression) was a bankrupted country using worthless script to store wealth and conduct commerce - our Nation and its honest and renown reputation for being free was dead. In its place we operate in a zombie-like mere shadow of our former greatness, and the bill for the next foreclosure was just sent out in the mail.

House Joint Resolution 192

73rd CONGRESS,

SESSION 1. CHAPTER 48,

JUNE 5, 1933

JOINT RESOLUTION - [H.J. Res. 192]

[Pub. Res., No. 10]

To ensure uniform values to the coins and currencies of the United States.

Whereas the holding of or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction; and

Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount of money of the United States measured thereby, obstruct the power of congress to regulate the value of the money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in the payment of debts. Now therefore be it Resolved by the Senate and House of Representatives of the United States of America in Congress Assembled, That (a) Every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount of money of the United States measured thereby, is declared to be against public policy; and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law. (b) As used in the resolution, the term “obligation” means an obligation (including every obligation of and to the United States, excepting currency) payable in money of the United States; and the term “coin or currency” means coins or currency of the United States including Federal Reserve Notes, notes and circulating notes of Federal Reserve banks and national banking associations.

Sec. 2. The last sentence of paragraph (1) of subsection (b) of section 45 of the Act entitled “An act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and for other purposes”, approved May 18, 1928 is amended to read as follows:

“All coins and currencies of the United States (including Federal Reserve notes and circulating notes of the Federal Reserve banks and national banking associations) heretofore or hereafter coined or issued shall be legal tender for all debts, public and private, public charges, taxes, duties, and dues, except that gold coins, when below the standard weight and limit provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight.”

Approved, June 5, 1933, 4:40 PM

((I will be addressing the most relevant and impressing traits/effects of this Resolution in a later chapter))

I need to wrap-up this section, and would like to leave you with something to mull over until I can get the “Part 3″ (final for now) up sometime this coming week. The topics/issues in this next particular section are going to rock the boat a little more than usual; but it is a needed fore-shadowing of the next main chapter.

Subject: The CRUX of our PROBLEM? By George Orwell / From: “World-Action” michael@world-action.co.uk Date: Sat, 11 Jan 2003

“At any given moment, there is a sort of all pervading orthodoxy, a general tacit agreement not to discuss large and uncomfortable facts… Anyone who challenges the prevailing orthodoxy finds himself silenced with surprising effectiveness.” -George Orwell

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