Brandon Adams Living Temple seminar notes January – May 2009 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 Introduction Money & Original Issue STRAWMAN as Trusts Private & Public Records Administrative Procedure Principal & Interest Banking overview Creditors Control Quantum Language Admiralty Surety & Escrow Faith, Spirit & Energy Principals & Concepts Creation of Money Accepted for Value Conditional Acceptance Claim by Contract NOTICE: These Creditors in Commerce Classroom Sessions, hereinafter Sessions, is the private exchange of ideas and concepts between the providers and the recipients. The content is not meant as legal advice. The use or attempted use of any idea or procedure discussed in these sessions as applied to the recipient’s own personal transactions, cases or controversies, or applied to other cases may or may not result in a favorable outcome or the same outcome as is discussed in these sessions. Each transition or transaction, case or controversy may be different as a result of unique actions or unique statements made by the parties therein, and each different act or statement in any transaction affects or may affect whether any procedure or idea discussed in this session is relevant to your transaction or that the outcome thereof will be depicted as in these sessions. The discussion of ideas or procedures in these sessions are not exhaustive of the subject being discussed. Many ideas and concepts that can affect the outcome of any legal or commercial procedure are not discussed in these sessions, and the fact that you may not be aware of these issues may have an adverse effect on the outcome of your procedure. It is the responsibility of each party to understand his own transactions and to apply the appropriate and complete concepts necessary for a procedural and substantive remedy thereto. These sessions may be redistributed privately by any recipient to another recipient requesting them, condition upon the fact that this Notice is provided therewith. If you have any questions, you may contact Brandon by email at harmony@creditorsincommerce.com or by telephone at 702-866-9077. 01 Introduction You are part of the Creator. You are unseen and have creative energy. “They” cannot hold you to anything. A system has been created in which we act through fictional entities: names, titles, corporations, governments, legal identities, etc. that can be controlled. Global governance operates in commerce. Public school educates you to be a debtor from the time that you are very young. Page 1 of 55 If we were all creditors, we would all be giving. There would be abundance; more than enough to go around. We wouldn’t need FRNs or banks. We wouldn’t rely on government for anything. Law forms (in order, top to bottom): Natural Law: Existence, the physics of the universe. [All law below this is by agreement between at least two parties that is constantly being created. Law school doesn’t teach law; it teached procedures.] Commercial law: Any interactions between sovereign beings. You have unlimited right to contract. Contract is by agreement and performance – signatures, merely memorializations of the contract, are not required. Silence is agreement. Are you accepting a benefit? Sovereigns have control (not necessarily possession or ownership) over their property. Rockefeller said “own nothing; control everything”. Two sovereign entities can contract in any way that they see fit. There is no oversight of their contract. Creditors in commerce operate in commercial law. Common law: Society’s agreements on how to act with each other (relatively recent tradition). Execution of contract (eye for an eye) – law of the land – if you owe, you are a slave immediately until the debt is paid. The common law now is admiralty, which is more a jurisdiction than a lawform. In admiralty, you’re guilty until proven innocent. Admiralty ripened in 1500s; Lord Mansfield officially defined admiralty as part of common law in 1753. All bodies are vessels in the sea of space. [Of course, you are not your body – you’re the captain of the vessel, but you don’t exist in the physical world.] Walking on water is having command of admiralty. Discharge. The body is a vessel. All documents in commerce are vessels. We have converted from Old Testament law, law of the land (eye for an eye), to the law of vessels or of the sea. The law of the sea gave us negotiable instruments. FRNs have pictures of dead people on them. Statutory law: Codes; 52 titles in the U.S. Code; the tax code is Title 26. Most (fictions) operate in statutory law. Political law: ex: I’m under the laws of the soccer league if I play in the soccer league. Referees are the judges – nothing is black & white; it is all subject to interpretation. If your car is paid for, you own the car, but you do not control the car. The State can take it away from you. Two different types of title: Equitable title: owner/operator/debtor’s title. You can sell the car and make money, but you cannot control the car because you didn’t issue the title; the State did. They gave you a certificate of title. They hold the legal title or the MSO (Manufacturer’s Statement of Origin) that came from the dealership; MSO got sent to the DMV (State). Legal title: Normally, when you purchase a vehicle, you give the dealership POA to take the MSO and give it to the State on your behalf. If, when you purchased the car, you told them you were taking the vehicle to a foreign jurisdiction, they’ll give you the MSO if you ask for it. Whoever holds legal title, controls the property. It is not recommended that you take legal title over your vehicle. Being a creditor entails a lot of responsibility. Legal titleholder has responsibility over the property. Jurisdiction: 0) Original Jurisdiction: Living contracts; no corporations. Private law. No name, no title. Real human beings. A) Private; republic [JurA from here on out.] Unlimited (complete) liability. Sovereigns. DeJure. Post Office, Sec’y of Treasury (representing creditor IMF), Sec’y of State (representing creditor UN) and Page 2 of 55 Attorney General (representing creditor Interpol) are the last remnants of the Republic; they represent the interest of the creditors (foreign to JurB). Notaries also can operate in both JurA & JurB. Creditors take responsibility and control. Creditors don’t pay taxes (IRS works for you if you are a creditor). Judges cannot recognize JurA because they would be committing treason – their job is to protect the public. Birth Certificate Trust. John Doe is a private, international vessel, evidenced by the b/c (foreign situs trust. Common law of the land; whatever the parties make it be. Private Strawman (international vessel). Admiralty/ Equity law. State national. Money is an asset. JurA is not specific to our Republic; it is the equivalent of private international commercial law. It is the original commercial jurisdiction; it is the basis of all commerce. B) Public; democracy [JurB] Even private schools are in JurB. Black’s Law is JurB. Limited liability is a benefit/ privilege. No sovereignty. Slaves. When you operate under benefits & privileges, you subrogate your rights. Defacto. Postal Service and everything else. JurB is the creation of JurA; JurB is always controlled by JurA (creditors). SS-5. JOHN DOE. Government said “you give us your exemption, we’ll give you all the things you need. Cestuique (implied) trust. State is always a party to the contract. Public STRAWMAN. Statutory law. Interaction in JurB is only through STRAWMAN. U.S. citizen. Money is a liability. Everything in JurB is colorable; it doesn’t mean what you might think it means. Nothing happens in JurB without some entity in higher Jurs doing it. Everything is dead in JurB, like a roomful of mannequins. JurB was created by the bankruptcy of JurA. Fictional, de facto reality. 1776 Declaration of Independence established, through the Articles of Confederation, a sovereign republic. The Republic lasted 7 years. 1782 National government went to the States and asked them to foot the bill for the Revolutionary War and the States said they would not pay the debt. National government was therefore forced to form a Constitution. The national government lost its sovereignty. A constitution (security, with sureties) is created by a constitutor – one who passes his debts to a 3rd party. 1789 [original, up to 13 amendments (13th no titles of nobility) then ceased to exist] Constitution was a negotiable, debt, security instrument which the national debt was attached to. The King of England bought the debt (and legal title over the national government’s property) and the democracy was formed (and the Republic lost its sovereignty via international bankruptcy). The democracy operates under military tribunal laws, where the minute you’re charged, you’re guilty. International bankruptcy lasts 70 years. At the end of the bankruptcy, the debt is due. The States had signed on as sureties for the debt. 1791 Alexander Hamilton created the Bank of the U.S. (with a 20 year charter) where the securities were held. 1811 Congress decided not to renew the Bank of the U.S. 1812 War of 1812 Britain took possession of all the federal courts (where the titles are). 1816 Another central bank but Andrew Jackson nixed it. The country operated at a surplus for the only time, but did he pay the debts or was he a belligerent debtor? 1859 Civil War – the northern States went to the Southern states which had most of the money (gold, cotton, resources, wealth) and the South said no we’re not paying – we’ll start our own country. Because of their dishonor with the international bankers, and it was the will of the creditors to get the debt paid or Page 3 of 55 take sureties for the debt; hence the States lost their sovereignty – they had signed the first Constitution that secured the debt. Another bankruptcy; another 70 year process. Now the States were in dishonor, so now the international creditors took control of the State’s property and the States (who were surety for the debt) no longer had their sovereignty. Debtors are not sovereign; creditors control. If you control any property, you have legal title to it; you are sovereign and the property is sovereign. Creditors are willing to risk it all. Creditors bring remedy, resolution, not necessarily FRNs. 1860’s new federal Constitution. Republic was insolvent or bankrupt. (Military) Democracy. Generals and even Privates have titles of nobility. U.S. citizens are all privates. New 13th Amendment: No Involuntary Servitude. The Republic, however, prior to that, is (still) in involuntary servitude which has created the entire international bankruptcy system. 1873(?) UPU precursor to NWO. All government exists by virtue of its postal system. Postal routes laid the foundation for commerce. 1909 Jekyll island - Federal Reserve, income tax in 1913. The IRS is foreign despite the fact that its employees are not. Taxes don’t go to operating the country; they go to pay the debt to the creditors. The creditors have surety through the Fed. 1929 Stock market crash. Bankruptcy due and we didn’t pay (dishonor) again. This time the people lost their sovereignty. There was confiscation of gold, silver and all legal (allodial) title. They also took title to your body through a certificate of title known as your birth certificate (which is a bond and goes to the Dept. of Commerce). They took it to give you a benefit. You can be irresponsible because they took control of the slaves on the plantation. The people (who were surety for the debt) lost their sovereignty. [Fascism is the government having all legal titles.] [You can get legal title back.] Allodial title is legal and equitable title. If you took your grant deed, accepted it for value and gave it back to the county, you’d be removed from the assessor’s parcel numbering system – you’d be off their grid; no more property tax. You’d be responsible for the property, which means bonding for sewage, bonding the police department, fire department, etc. Any benefits and privileges your property receives, you become responsible for. You paid property tax because the State or County took responsibility for those things. 1933 Social Security. State has all legal title. Everyone in JurA has an exemption and are creditors. From the perspective of JurB, you’re presumed to be a debtor. 1999 State now not only has legal title to everything, but controls equitable title to almost everything, electronically.. We went from fascism to communism. Trusts have 4 essential parts: 3 positions: Grantor, Trustee, Beneficiary; and Res or corpus (the thing or the property). Trusts don’t require movement of legal title between the parties. Trusts can be perpetual rather than executed. Private Trust Grantor: living men & women (before they created another government overlay they had to recognize the source of all production); whoever is putting the commercial energy in. Page 4 of 55 Trustee: foreign situs trust (Strawman) created and evidenced by the birth certificate (foreign to JurB); whoever is performing. Beneficiaries: Public Trust (government, U.S. citizens, corporations); whoever is getting something from the performance. Public Trust Grantor: none designated Trustees: public officials, judges, attorneys, governrnent agents Beneficiaries: the people (debtors); you get the benefit of what the corporations (government) are doing for you The grantor creates the trust and determines the duties of the trustee. Trustee controls the trust. We’re under admiralty or maritime law because it has grace and mercy. Common law is execution on the law, but the current common law is admiralty. We’re all vessels. They give us a berth in admiralty (app. for b/c). The b/c is your foreign situs trust; it’s what gives you the ability to operate with all the other vessels. This vessel is foreign to JurB. Then the Federal Corporation (estab. 1859) comes along and gives its members (citizens) benefits & privileges (social insurance contract or Soc. Sec.) – another trust, c’est eque or implied trust. You’re a debtor who doesn’t have to pay (there is no gold in use to pay anyway; you get to operate in commerce; you get to go to jail, etc. In common law, there is no debtor’s prison; but in commerce or admiralty there are. You can serve jail time to pay your debt. If we were in common law, the creditor would have the right to force the debtor to work off that debt. In commerce, you can’t pay your debts, but you do get to discharge your debts, (not eliminate them, but) put them off into the future. The creditor determines the money. Your signature (as a creditor) creates all the money. From the Garden of Eden, the Fall was into commerce. Jesus prepaid your debts. The New Testament (new contract) gave us redemption. Any name in all capital letters is a vessel. Vessels, (corporations) are dead (fake); they can’t create money. Your promissory note paid for the house. They don’t tell you that, but if you as a creditor knoew how to interact with the IRS, you could discharge that debt. They assume you’re a debtor with a financial intermediary, namely the banks. The banks block you from your credit. If you endorse a check, you created the funds; you’ve authorized the bank to create funds out of nothing. You deposed of the money by depositing it in an account. Then it’s their money. In a deposit situation, you are the grantor – they take the role of the trustee. You’re a trustee by being an authorized agent of the bank whenever you sign the check. Postal Money Orders are backed by gold. Post office (created before the govt. by Ben Franklin) is JurA; the Postal Service is JurB (part of the democracy. The Post office/ Service is the only agency that operates in both jurisdictions. Page 5 of 55 The UCC is for us, the foreign creditors who have superior claim. The UCC-1 is just a public notice without a claim for title. The claim is what gives the weight to it but you never put the claim in to the public. Creditors operate outside the democracy. Your STRAWMAN acts like a creditor there though. Everything backwards (mirror image) in a democracy. In JurB, the STRAWMAN is the creditor, you, the real person, are the debtor. When you learn to perfect a claim, you’re powers are then unlimited. As a creditor, you control and responsibility. You can do anything you want as long as it’s not hurting anyone. (If you’re hurting or damaging, you’re no longer a creditor.) Federal Reserve Notes (FRNs) are improper (not sufficient to qualify as) negotiable instruments. It is a benefit/ privilege to trade in FRN worthless paper. JurB can’t recognize JurB – if they did, all attorneys & judges would have to be executed. Judges are only establishing whether you are a creditor or a debtor, determined not by your words but by your actions. If you’re a creditor, he’s going to find in your favor. A creditor always comes in peace (not arguing) with a solution. If you argue in commerce, you’re a debtor. No matter how you write your name (uppercase or lowercase), that name is not you – it is only a legal fictional identity. Everything in commerce is fictional. There is no positive law; everything is through voluntary agreement (which is the basis of the control you’re subject to). The Strawman is the creditor on the UCC-1 – it is the STRAWMAN’s account that generates all the money. You can’t interact with JurB; only the STRAWMAN (bailor?) can. You’re the Trustee for the STRAWMAN and you’re responsible. Your body (to which they hold title) is surety for the trust. When they arrest the vessel and attach it as a surety to the charges – if you’re a creditor you’re going to put something up (bond it) to release the vessel. If you put up a bond, there’s no need for the body to be a surety (a bond). The charge is a fact. Being as it is there, you are guilty. Old English “guilded” is to pay. “Do you understand the charges?” means: Are you going to stand under (be the surety for) these charges? If you don’t understand, you are a debtor. When you then plead not guilty, if you said yes you understand the charges, you’re now saying that you’re not going to pay. You’re in immediate contempt or dishonor. When you say you understand and plead guilty to the facts, you’re saying that you will pay. You’re waiving the benefit/ privilege of prison and you will affect payment immediately; you’re in honor. They can’t put a person in honor in jail. You’ve volunteered to be surety, and as surety, you’re bringing a bond, you’re the guarantor. You’re underwriting those charges. The Bible has many overlays – one is commercial. The sign of the cross is a ledger – assets on the left, liabilities on the right. Christianity is double entry bookkeeping. Jesus pre-paid your debt. Mason call the Bible the “sacred volume of law”. Page 6 of 55 7 years for a bankruptcy; 70 years for a commercial bankruptcy; 10 days, 3 days for a commercial process, etc. The Elites follow the Bible to a “T”. They’re the sons of Cain. The Garden of Eden is a commercial-free zone. In the Bible, one can charge usury only to foreigners. Wooden yoke is slavery at home; iron yoke is slavery in a foreign land. Sin is debt. If you come from anger, greed, etc., you’re a spiritual debtor. The deadliest sin is pride. Humility is the basic trait of a creditor. Creditors don’t take anything personal; they love. You, the authorized representative and trustee of the corporation are there to bring remedy. Don’t be an enemy (paper terrorist) of the State by misusing these powerful documents. Everything in commerce comes from offers and acceptances. A traffic ticket is an offer. The original is a charging instrument. You can accept it, refuse it or do nothing (dishonor). Only a full acceptance and paying is in honor with any offer. A felony charge is an offer. The Judge has, in his private folder or record, the charging instrument which is a negotiable instrument with someone’s signature on it. Let them charge you. When they took away your right to property, they gave you the ability to discharge or setoff with your signature. Creditors establish the facts outside of JurB. Creditors operate in JurA. Creditors never go into JurB with an argument or controversy – that would be in dishonor. Bring your private, foreign judgment from JurA into JurB and get it recognized in JurB. Then there are no facts in dispute; there’s no controversy; you’re in honor. Everything is commercial. Understand the charges; plead guilty and pay the fine. This is the remedy. Make the IRS your friend. They’ll do all your work for you if you fill out the right forms. The Sec’y of Treasury can be your intermediary. If someone else is really guilty, perfect a claim against them from JurA. Take all his property away from him. No one will mess with you if you know what you’re doing in JurA. Judges, attorneys, etc. are all bonded. If you perfect a claim and attach it to their bond and liquidate, they’re not a public agent anymore. They will not be bonded or insured anymore. They can’t serve their role if they don’t have their bond. As a creditor, you’re looking after everyone’s interest. Documents of Title: If I trade FRNs for a can of soup in a store; they give you a receipt, which is your document of title. Certificates of Title are issued to whoever has equitable interest (the beneficiary/owner/operator) by the legal title holder (trustee). Title itself is a trust. In a trust you can be the grantor and the trustee; you can be the grantor and the beneficiary; but you can’t be all three unless there are multiple beneficiaries. Reverse a trust: If you are the grantor and the beneficiary and the State is the trustee (as when you purchase a car), they issue you a Certificate of Title. Accept it for value, return it to them (and you’ve certified it to them). Now they’re the beneficiary and you’re the trustee. Same with a title on a house. Title on the house is a grant deed, issued (certified) to you by the County. The County holds legal title to your property. Get a certified copy of that grant deed and recertify it back to them and you’ve just reversed it. You’re taking legal title. Page 7 of 55 Same with a driver’s license. The driver’s license is a trust. Same thing with any document of title. You reverse by endorsing and returning. See gov-dom.org for IDP. Same with the birth certificate. First step in being a creditor is taking legal title to the body; take legal title to the trust that was established on your behalf. The creditor controls the trust. Beneficiaries cannot control nor therefore be a creditor. The creditor maintains sovereignty and control. Your mother acted as the fiduciary when she volunteered to file an application for a birth certificate. Until you’re 21, you’re considered incompetent. At 21, you have the option of reversing all your trusts. Age 18 is bondage. You can die for your country, but you can’t drink, because you’re not responsible. Age 21 represents responsibility even biblically. Marriage is a corporate merger that creates little sub-corps or subsidiaries. Take back legal title to all of it. Marriage license: State holds legal title and controls the marriage. They send you a marriage certificate. Reverse (afv) this trust first, then the divorce judgement; then reverse the trust of the kids’ birth certificates. Put the kids’ b/c’s on your security agreement and add collateral on a UCC-3. Now you’re the trustee; you have the superior claim. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Since there is no money and no legal titles being exchanged, all we have are security interests. Perfect your claims, thereby giving you security interest. IRS works for creditors. IRS has forms that allow you to be a creditor and acquire funds that are in escrow. An outstanding balance, for instance, on an American Express card is in escrow. The funds are there – you just have to tell the IRS with the proper tax filings to access those funds and pay that guy off with them or return those funds to me. You can OID any funds that go out of your bank account – and get them back. Acquire escrow funds with a 1099-A. If you file a 1099-OID as Recipient, those get reported on a 1040 if you want to get the funds returned. 1099-As don’t get reported; neither do OIDs when you’re the Payor. i1040 is available on the IRS website; it gives line by line instructions for the 1040. State tax is in an escrow account, so you use a 1099-A to say use those escrow funds to pay this debt – or you could send the obligation to the Treasury with a money order to pay the debt. Or you can go to the bank; get a pre-approved transaction through Treasury; start a TT&L (Treasury, Tax & Loan) transaction, bond the account and tell the bank to hold the funds in escrow; send a notice to the State taxing agency that the funds are being held in escrow and as soon as they get a 0 balance that the funds will be released to the State taxing agency. There are many ways that can work; some certainly are more preferred than others. Act as a creditor in all aspects of life, even and especially spiritually. Then your potential of creating solutions is infinite. Whatever you claim back does not get added to the public debt. Page 8 of 55 Creditors correct all filings and report properly to the IRS. Debtors are taxed; creditors aren’t. Creditors don’t take benefits or privileges or exemptions (on a tax form) or deductions; creditors simply get a return of their interest, all of it. Creditors have 0 exemptions and no filing status. All judges and attorneys are members of the BAR and work for the Crown – that’s why they have a title of nobility (esquire). It’s OK to have attorneys because the States lost their sovereignty. It’s up to the attorneys and judges and the IRS to make sure that the creditors get their stuff. Get transaction pre-approved through the Treasury and then bring them into the bank. You can then, at the least, sit on your security interest and then the bank and you are in a stalemate. California is a trust deed state. When you buy a house, you fill out a deed of trust (contract, lien) and then there’s the grant deed (title, with only your name on it). You are the trustor (grantor) of the deed of trust (you created the trust). You made the title company the trustee and you made the bank the beneficiary. The only trust that a grantor does not have control over, ultimately, is an irrevocable trust. A deed of trust is revocable. You can record a document at the County Recorder reshaping the trust. Make yourself the beneficiary and someone else (friend) the trustee – here’s the new trust. They no longer have a security interest in your property. Now the title company has no authority to sell it. Still at a standstill but the account is still not closed and you want the accounts closed. You have the grant deed in your name. Even after the bank’s interest has been sold, you have to sign a quit-claim deed before they can sell the property. If you don’t sign a quitclaim deed, they can’t touch the property because you’re the one on the grant deed. Liens (in order of most effective to least effective): Commercial lien: I am a foreign creditor (JurA) and I have an interest on your property as represented by the UCC-1 (which is evidence of a commercial lien). Tax lien: Straddles JurA and JurB. IRS works for the creditors in general. State tax boards liens are lower than IRS because they represent the debtors – the State of CA is a debtor. Franchise Tax Board has the same tax ID# as the State of CA. Mechanic’s lien: Mortgage (contract) lien (in California, a deed of trust). Even if the deed of trust is before a commercial, the commercial lien supercedes. The bank is part or JurB; they are just another debtor. Property tax is a request for you to get those funds that you generated out of escrow for us. A copyright on your name in JurA is enforceable only by you. It only leads to controversy. Alternate Reality Disorder is talking about JurA in JurB. You use your STRAWMAN to interact with companies; it is your public entity or pass through. It is the employee, not you. If you had a claim on your vehicle and legal title to the vehicle registered through the Secretary of State of the U.S., you’d have diplomatic plates and you would never get pulled over. Creditors don’t make statements. Don’t obstruct or go into controversy. Creditors ask questions to seek remedy, not from the past but from herenow – How can I help you? How can we resolve this? You take full responsibility. Page 9 of 55 IRS agents, for instance, can gather negative evidence from you based on statements you make (especially when they carry presumptions); they can’t do anything with your questions. Signature is simulation (fictional); Autograph is authentic (Au = gold). Download the conference calls starting with #18 on trusts: creditorsincommerce.com; link to talkshoe site; register for free talkshoe account so you can access them. 02 Money & Original Issue With an understanding of money, you can complete IRS forms correctly simply by reading their instructions. What is wrong with the world? What’s wrong with you? They’re the same. Take responsibility and the world will reflect. Creditors accept and pay. No public entities can create credit; only you can (which gives the banks the ability to enter a liability). All tax forms require evidence. Modern Money Mechanics, Affidavit of Walker Todd, Title 26 code, 1271-1275, Pub1212, 1099-A, 1099-OID; most from the Federal Reserve & the IRS. Corporations don’t have the ability to create securities, only the trustees do. If you’re the trustee, the 1099-OIDs would be with you, not the corporation (you’re authorizing the creation of the funds) – bottom left hand corner account#. 1099s only get processed between November 1st and March 1st (deadline for processing is February 20th) every year (unless the corrected box on the form is marked). The 1099s are the report; it’s the 1040s that get the money back. If you’re reporting that, say $10,000 has been withheld from you, with your bank as the payor and you as the recipient, what does that entitle you to on your 1040 with attached Schedule B? A refund. The totals of your OID are interest income withheld. ZYA is backwards. 1099-OID forms must be gotten from the IRS because they go through a special scanner. Everything that goes out of your bank account gets reported on one 1099-OID for your bank. The only OIDs you would ever fill out would be the bank for your checking acct, credit cards, mortgage. Copy A: red, scannable top copy, to the IRS Copy B: Recipient (You) Copy C: Payer 1099-A forms must be gotten from the IRS because they go through a special scanner. Copy A: red, scannable top copy, to the IRS Copy B: Borrower Copy C: Lender Page 10 of 55 A court is a bank. Everything is commercial. What’s the asset that creates the liability assigned to you? The original signed complaint (held in the Judge’s chambers, a vault). File a 1099-A on the asset, the liability goes away. Simple accounting. 1096 Transmittal form always goes with above forms. Money is created by signatures evidencing debt. When you endorse a check and deposit funds into your bank account, the bank enters a liability and sends the check to the Federal Reserve . The Fed enters a temporary credit (asset) – the security is the check itself. Whatever is in the banks Fed account is a liability but the Fed holds an asset (to offset) – it’s a credit for the bank (asset); it counts toward their reserve which they can fractionalize 10x – it’s a debit for the Fed (liability). The Fed debits the bank’s liability account that the check is written upon (Bank C). Whenever a bank’s reserves get reduced, they must reduce their deposits by an equal amount. So bank C will reduce your account. Is the check itself money? It is. It has a signature and it is a negotiable instrument. Every time you spend money in the public, you create debt. If you don’t get it back, the debt just gets bigger and bigger. Your corporation has its own ledger. It was on the books of your trust until you deposed yourself of it and gave it off to the bank. At the end of the last bankruptcy (1999) they quit sending your checks back to you. The checks are securities and assets to the bank. The one way the bank can increase its reserves is by selling securities to the Fed. The Fed gets their funds from the Treasury. The security is actually your property. The bank can sell it by waiting a “testing period” of 36 months before they can declare it abandoned and then sell it. At the end of the year, when doing your taxes, you remember that the bank never sent your security back to you. Original issue was you writing the check. Original Issue Discount = Redemption value – issue price. How much did your bank pay you for that check? Nothing. Ex: $1000 check: $1000 – 0 = $1000 OID, which they did not give you. It’s been withheld. (They’re acting as an agent for the IRS.) On the 1099-OID, Box #1 is the OID if that’s the only check you wrote that year; also presuming there were no interest terms on the instrument. Box #2 and #3 have zeros on the form. Box #4: Federal Income Tax Withheld: $1000 same as Box #1). One 1099-OID per account per year. All negotiable instruments are money orders, requiring an issue date, an amount, a Pay to the order of, from what account, a signature. A signed traffic ticket is a money order. What is a law before it becomes a law? A bill. Discharge doesn’t really pay a debt – it postpones it into the future. Page 11 of 55 Money of Exchange: really just gold & silver, but realistically, FRNs, checks, credit cards, debit cards Money of Account: Promissory Note, other credit instruments. Let’s identify when an original issue discount [Redemption value minus issue price] happens: Brenda writes a check to Dylan for a $1000; he deposits it into his account. Brenda’s bank account at bank A: Asset: -$1000 +$1000 Liability: - $1000 After responsibly (not creating public debt) OIDing: +$1000 Bank A’s account with the Fed Asset: -$1000 (reduced reserves; when they get reduced, deposits must reduce equally – Brenda’s asset account) +$1000 Liability: -$1000 +$1000 Bank B’s account with the Fed Asset: $1000 (they got the check) Liability: $1000 increased liability account = to Dylan’s account asset. Dylan’s account with bank B Asset: $1000 endorsed check is a temporary credit. Dylan’s bank sends a $1000 request for credit from the Fed. Liability: $1000 in funds (the balance) Bank A’s escrow account: Asset: $1000 (security; the check) OID withheld from Brenda. Liability: none; no liquidity until abandoned in 3 years Let’s say that all the checks I issued for the year add up to $100,000: Before doing an OID, I would send in a 1099-A Abandonment; I’m the lender; the bank is the borrower on that $100,000. Box #5 is marked Yes. You’re the recipient on the OID. Box #1 OID $100,000. Box #4 $100,000 withheld. [Brandon said he would mark this $95k or $97k to not flag them.] Issue price is 0; Redemption value is $100,000. I’m reducing my 1040 return by whatever is in Box #4. On the 1040, Box #1 goes to Interest Income (listed on a Schedule B); Box #4 goes to income withheld. You’ll pay about 35% or so back to the IRS because it’s taxed. On the W-2, Brandon had marked Exemptions: 0; Deductions: 0; Filing Status: Single. If you mark any of the Filing Status’s, it has an automatic exemption. IRS said “you’re filing status does not match your exemption”, so they put it in (took his deduction and then taxed him for it). Gross Income and Taxable Income are two different things. Gross Income becomes Taxable Income when you take exemptions and deductions. When you truly become a creditor, you won’t pay any tax because the IRS works for you. On the 1040, Filing Status is not required. Once you’re prepaying everything, then you can start doing creditor filings. Page 12 of 55 When you do either an abandonment of an acquisition, you’re saying you own that property; in an abandonment you’re also saying that they owe you for it. There is a 120 day transition from one accounting system into another. You have to have your tax return in the mail by the 15th, because they have to get it by the 25th or so or they can’t balance the books for the year, and they have to have them balanced by the 120th day. Controlling the world is like herding 7 billion cats, but I can be a creditor and control my world. The government holds legal title to everything but I can control the government. I am not a victim to the world that I created. I don’t have limitations and I accept and pay or discharge my debts. Creditors give. Creditors control. Creditors teach others to become creditors. Creditors accept the Now (debtors fight based on denial and the past). Creditors don’t take a position. Forgive yourself of your debts; otherwise you will punish yourself through your projections. Know the operations of JurB (taxing, courts, banks). Know how to establish legal title. Know administrative procedure; how to perfect claims and security interests and liquidate. Know how to rectify imbalances and adjust the accounts. These are what we will be learning. Are you the defendant? No, the defendant is a trust. You are the thing making the distinctions but you cannot be distinguished. You are not the name or the photo likeness. The (full) acceptor of any offer takes title to the transaction; he is the controlling creditor. Conditional acceptance doesn’t take legal title (but at least it is not dishonoring if they get their remedy); it can be countered by another conditional acceptance. Every transaction creates a trust with all three of its elements If you could dream a perfect dream of an entire life every night, you’d put obstacles there for the drama and entertainment; eventually your dream would be exactly what you are creating right now. In truth, you choose always to have the life you have. Choose to be the Creditor. 03 STRAWMAN as Trusts JurA: John Doe (foreign situs, private trust) Grantor: Living man or woman Trustee: You (Strawman?) and Sec’y of Treasury, State & Attorney General (they had to expatriate to serve their roles and work for the creditors) Beneficiary: Depositary Trust Company (Parent co. DTCC is where B/Cs and all assets are “on deposit”. The liability created by these assets are the assets of the Fed.) DTC is at 55 Water St., NYC and operates on both the public and the private side. You can access the asset side at DTC, pull those funds into the public or on the asset side of a closed bank account and write checks up to $250,000 per check on a closed bank account. JurB: JOHN DOE (cestuique, public trust). State is co-partnered as a co-beneficiary with John Doe. Grantor: Banks through the Fed. Trustee: public officials, judges, attorneys, government agents Beneficiaries: People. This was all set up for your benefit. Read the UCC (available online, relatively small; it is the standardization of private international law); it overlays the entire system. Read about (perfecting) security interests, negotiable instruments, Page 13 of 55 warehousing (prison) – you put up your surety, your vessel to be held in a warehouse by your creditor for your debts. Read “Dispatch of Merchants”. Read “What does accepted for value mean”. The public is bankrupt and can deal with liabilities, but not assets. We’re in a bankrupt society. Debts cannot be paid with a debt, only discharged. Certificate of Live Birth (certificate of title) is a bond that evidences title, held by the DTCC. The issuer has legal title; you had equitable title up until you partnered up to share equitable title with the U.S. SS-5 created the Strawman which is surety for the vessel. Your vessel (body) is evidenced on the app (length, weight, footprints). You manifested into commerce. Possession is equitable title, not legal title. If I certificate this certificate, I am taking control (legal title of the foreign situs trust) of it by accepting it for value and returning it through the Sec’y of Treasury who will probably send it to the DTC. Now you’re the sole trustee. You had subrogated; now you’re taking it back. Bankers acceptance is overlayed (stamped) on the birth certificate. Accepted for value. Exempt from levy. By: ______ (authorized representative). Date: _____. Exemption ID#: (SSN no dashes). Deposit to the U.S. Treasury and charge the same to JOHN H. DOE, SSN no dashes. When you accept an offer, you are accepting legal title of the transaction. Traffic Ticket AfV: Bankers acceptance is overlayed (stamped) on the birth certificate. Accepted for value. Exempt from levy. By: ______ (authorized representative). Date: _____. Exemption ID#: (SSN no dashes). Paid to: County, State, etc. Acquired from: JOHN H. DOE, SSN no dashes. Accepting (turning it into money with my signature) and returning is payment; a debt for a debt. EIN and TIN can be the same. ITIN is international and always begins with a 9 (non-resident alien). Birth Certificate Bond accompanies AfVed B/C. All interactions in JurA should be Registered Mail which works on both the private and public side. Certified Mail is for JurB only. Flag stickers (1” x 1.9”) at the top opf documents make it clear whether it is JurA (Republic) or JurB (Administrative, Admiralty), as defined in Title 4 of the U.S. Code. Everyone is your brother or your sister. No one is your enemy, even judges and IRS agents. I write a check to Mary. Mary deposits the check in her bank (B). Bank B’s reserves go up. Bank B passes the check through the Fed to my bank (A). Bank A holds on to the security which is now an asset but not reserve funds. I file a 1099-A (a ledger report) on that asset as an abandonment. Box 5 on the 1099-A asks does this person have to pay it back? If yes, it’s an abandonment. [If no then it’s an acquisition (typically when you’re closing an account).] Now it’s sitting on the books of the IRS, waiting for you to claim it and it’s already made out to the right bank – they withheld whatever the amount of the Page 14 of 55 check. If done electronically, you can do the OID 72 hours after the A, but keep in mind that an OID has no meaning unless there’s a 1040. Wait at least 3 weeks before putting in your 1040. You can file information returns electronically after you have a TCC#, some software and a FIRE account. Don’t file your 1040 with this system. When we report an abandonment, we’re identifying an interest that’s being abandoned by the bank. When we do an acquisition, we’re identifying the interest that’s to be used in an exchange for something. Ex: $100k student loan, $20 k outstanding, but you have $100k interest in the asset. Asset: $100k Liability $80k If you do an acquisition with the borrower, isn’t this the same as saying: “I’ve got a $100k interest in that asset – you can go ahead and use that $100k to offset the account.” [Beyond 36 months.] They got their $80k. Brandon doesn’t recommend doing acquisitions because we don’t want to collapse their escrow account. We want these debts to stay open and be paid off. Give them 60 days – if then it hasn’t been ledgered, you’ve got cause for a suspicious activity report. April 15th, 2009 allows you to go back to Jan. 1st, 2005. If you can pay your monthly mortgage payments, pay them. At the end of the year, get all that money back – it all came out of your checking account. Then make a really big payment on your mortgage. Get all that back. Then pay it off. For a 1040 filing on April 15th, all 1099s should be in by March 1st unless your filing electronically. Electronic filing [Form 4419 (fax it in - you’ll get a TCC#; then get software to generate a textfile you can upload at the IRS; then go to fire.irs.gov and sign up for an account – userID, PIN & password) for 1099 and other information returns (1098, W-2); not for the 1040 (turbox.com to file 1040)] is recommended because then you know whether it was accepted or rejected; it’s quicker and you can avoid frivolous filing charges. They can’t respond in public about private forms. All information returns have three copies: Copy A (red) goes to IRS unless you’re filing electronically; Copy B goes to the Payee (listed on the form as the Borrower or Debtor), the party receiving the notice. Copy C goes to the Lendor. On the upper left is always the Payor or Lendor or the Creditor. The box below that is the Payee or Borrower or Recipient. If you’re doing an acquisition, you keep Copy C. Reclaiming our interest is a three step process. First we identify the interest and claim it abandoned (1099-A), expecting to be returned. Second, report the interest withheld (Box #4 on 1099-OID). Box #1 is the OID which is interest income on a Schedule B. Claim a return of the interest (1040). A court is a bank. 1099-A an old court judgment and acquire the judgment (asset) and it is gone, disappeared from the ledger. Box 6 on the 1099-A is description of property. If it is a court case, have Case/ Account #: Case#. Page 15 of 55 If property, the promissory note# (acquisition – then the mortgage note is paid); or the property (abandonment). If a check, then bank account# (no way you’re listing all the checks in there). Only abandonments are followed up with by an OID; acquisitions aren’t. If the bank sends you a 1099-A on a foreclosure, saying the property is abandoned, correct it and send it back. There’s a correction box on both the OID and the A. How dare they tell you that you’re the borrower. The bank is the actual borrower. If you don’t get an OID in by March 1st, mark it corrected and it’ll get processed. Only mark void whenever the actual form gets screwed up. A void does not affect something that’s already been filed; a correction does. I claim that asset with a 1099-OID. Issue price is 0 – they paid me $0 for it. Redemption value is the amount of the check and the OID. To correct a 1099-OID done in error, do another one to correct it – mark the amounts to 0; everything else (payer, recipient, tax IDs, same description, same account#) stays the same. You’ve basically erased the prior 1099. Technically, you can do 1099-As and OIDs with groundwork (UCC-1, etc.), but if you get frivolous filing charges, you will wish you had. When you establish yourself as a creditor you can access the asset side of the books and use money orders (IRS will process money orders). If IRS sends you an offer (saying you owe $10,000) and you assume position of creditor, AfV it and send it back to them, remember AfV is a form of money only in JurA. Where’s the payment going? IRS has a JurA side and a JurB side. Everything in red is private. What color are the 1099-As and the 1099-OIDs that go to the IRS? red. Copy B and C are public. Sun Tzu said that the victorious go to battle before they go to war. Never go into a court case without already having an agreement. You can get 10 Social Security cards in a lifetime, maximum 3/yr. Each time you get a new one, the bond# on the back of the card is different. 10 bonds. Bank fractionalization is 10x. They’re fractionalizing your first deposit – the B/C. [There’s probably $35B in the DTC just for you.] Credit Cards: You sign an application and put your exemption on it before you get a credit card. They give you a credit limit which is like a cash deposit. Ex: $25k is entered as an asset (the application) and a liability (from the Fed). When you charge $1k, they subtract $1k from the liability side. [They say your balance is you owe them $1k; it’s really $9k. If you send the $1010, they no longer have assets that match the liability and they have to send your money back. They cannot have a liability not matched by an equal asset. You can do an acquisition and close the account. If you spent $100k on that account during the year, you could A (abandonment), then OID $100k and the account would stay open, still with a $25k limit. Page 16 of 55 They don’t want you to keep paying off the card – they’re not making any money off of it. It can be smart to always keep a 30% balance; there’s interest accruing and the bank is benefittng. A debit card is just like a check. 1040-V is a payment voucher. Electronic filings count as signature. IRS forms typically have an Occupation or Title box; if you put Authorized Representative, that’s just like signing By: signature. You are always an authorized representative in JurB. You aren’t JurA either – you exist outside of space & time. The first quantification means Jur0. Then, whenever you quantify yourself, you’re playing in JurA (Strawman) and/or JurB (STRAWMAN). Where you sign your personal checks, that is not a line – with a magnifiying glass, you can see that it says Authorized Signature over and over. [If your printer could print that small, you could do that on money orders.] You can form your own other JurA entities: private trusts, international foreign trusts, etc. 04 Private & Public Records The mirror image. Democracy and the public are reflections of us. If the public is dysfunctional, it is because we are. An entity is a reflection of a living thing. The observations are the mirror image of the observer. As creditors, we are empty and neutral. Every event is neutral – we don’t make anything up about it when we give it meaning. Creditors don’t fight (with the reflection); we bring remedy. It is a responsibility of a creditor to forgive one’s own debts and the debts of others. They’re not wrong and you’re not right, or vice-versa. Creditors accept offers, which is taking control (legal title) and honoring them. Creditors don’t take positions. Creditors ask questions. When someone approaches you with a position, your questions seek to establish those positions and uncover the facts. Creditors don’t make presumptions or assumptions, nor argue the facts. Creditors operate under unlimited liability, therefore complete responsibility. Whenever you feel you know what you are doing, rebut those presumptions. Act fresh and new in every moment. Be impeccable with your words. If you say you’re going to do something, then do it. Especially in commerce, don’t take anything personally. It’s just business. Treat even the belligerent with respect. Give all you’ve got in all your endeavors and undertakings. Creditors clean up messes that debtors make. Page 17 of 55 Private records are not recorded into the public. Claims recorded into the public give up title to your claim; you abandon them. Principal: One who authorizes another to act on his or her behalf as an agent or one who has primary responsibility on an obligation (as opposed to a surety or endorser) [A principal can be a surety.] or the corpus of an estate or trust. Undisclosed principal: A principle who is kept secret by the agent. A principal for whom the other party has no notice that the agent is acting. When you refuse to take responsibility for your public trust, who steps in to take responsibility? In a court, it’s the judge. He assumes that you’ve abandoned the trust or that you are a dysfunctional trustee, especially if you argue. He becomes the agent of your Strawman principal (you’re the authorized rep, trustee, surety). An undisclosed principal and the agent are both liable on a contract entered into by the agent with the principal’s authority. A principal creditor: A creditor whose claim or demand greatly exceeds the claims of other creditors, aka paramount security interest. Secured Party: A person in whose favor a security interest is created or provided for under a Security Agreement, whether or not any obligation to be secured is outstanding. If a security interest is created or provided for in favor of a trustee, agent, collateral agent or other representative, that representative. Surety: A person who is primarily liable for the payment of another’s debt or the performance of another’s obligation. Although a surety is similar to an insurer, sureties often receive no compensation for assuming direct liability. [Does your STRAWMAN pay you?] A surety differs from a guarantor who is liable to the creditor only if the debtor does not meet the duties owed to the creditor. A surety is directly liable. Another definition of a surety is a formal assurance, which can be a pledge, bond, guarantee or security given in fulfillment of an undertaking. If a U.S. citizen has a debt or an obligation, who do they pin it on? You. You’re the surety and the duly authorized representative (one who is empowered in a proper or lawful manner to act on behalf of another). What are you doing when you bond out of prison? You’re putting something up. Somebody put something up to act as a surety for you to appear. If you don’t bond, you don’t go anywhere. The public cannot interact with real people. Public records have nothing to do with substance; their realm is form. [If it’s not in the proper form, County Recorders won’t take it. (You may have to take it to judicial review to get whatever you’re trying to get recorded, recorded.)] Go by their form. Court cases have forms and formats that you must go by. If it’s not proper form, it doesn’t mean anything. Notices. (Evidence of) Liabilities. In a bankrupt society, there are no assets in the public. [Disneyland.] A bank asserts with a deed of trust, that they loaned you money, but they didn’t. You and only you signed it (one sided contract). All substance is in private records. When you take substance and put it in the public, the substance is lost. (and therefore has no meaning). When you do that, you give up legal title and you are subject to Public Policy. Claims. Assets. Page 18 of 55 Regarding Security Agreements and POAs, file just a Notice in the public. Tax liens are private; Notices of tax liens are filed into the public, recorded at the County Recorder. They have a certification of your dishonor somewhere in the private. Certification of Records: If your claim or private record has a notary seal or you’ve had a notary make presentment and you’ve got certification through the third party of a dishonor or whatever, the notary seal itself is an authentication. if you add on top of that a certification from the Sec’y of State, you now have a self-authetincating document. You can take that claim anywhere in the world and it has weight if you know how to use it. You can record a notice of your claim and thereby enforce your claim in the public. UCC filings: Use the public record to take control of the trust. The most powerful document that you can file in public record as far as claims or notices of claims go is a UCC-1. Do not use a UCC-1 to file a claim against an IRS agent or a judge; you will end up in jail (unless you have a legitimate claim which you can back up). With a UCC-1, we establish a public record that shows our relationship with our U.S. corporation. UCC documents are public documents. Living men cannot file a UCC-1. It is a public form. Living beings cannot file public documents. The birth certificate trust is a non-resident alien; it is a member of the Republic. The SS-5 established another trust, the U.S. citizen or resident citizen. We accept the B/C for value and take control of the foreign situs trust, that individual evidenced by the B/C. We want to establish that our private entity serves as trustee over all of the STRAWMAN’s property, not as a surety, but as the controller of the property. This has come to be known as a bailor/ bailee filing. Bailor (STRAWMAN) places property into the trust. Bailee (Strawman or private Citizen of the Republic) manages and controls the property. Bailment: A delivery of personal property by one person, the bailor, to another, the bailee, who holds the property for a certain purpose under an express or implied in fact contract to which the parties have agreed. Unlike a sale or gift of personal property, a bailment entails a change of possession but not in title. Can the private entity hold property, get loans, get bank accounts? No. He doesn’t have a Social Security Number. He can’t do anything in the public. We have to use the STRAWMAN to hold all our property which the Strawman (bailee) manages. Bailor: A person who delivers personal property to another as bailment; one who provides bail as a surety for criminal defendant’s release. Bailee: A person who receives personal property from another as bailment. Page 19 of 55 Terminate a previously misfiled UCC-1 and do a new one. #1 Debtor: Strawman (bailee) #3 Secured Party: STRAWMAN (bailor) #4 Collateral box: This is actual and constructive notice. All recorded property (real/ personal) belonging to the bailor is hereby placed into trust with the bailee. All unrecorded property, real or personal, belonging to the bailor is hereby placed into trust with the bailee. All relations and agreements between the bailor and the bailee are covered in the following private documents: Contract of Bailment #___ and Power of Attorney #___. #5 Check bailee/ bailor UCC-1Ad: Strawman (at the top) #17 Check Trustee… (middle box) Contract of Bailment can contain a hold harmless and imdemnity clause (and include POA and Security Agreement). A bailment agreement can be like a trust agreement. Contract of Bailment is an expressed trust organization. [The Contract of Bailment sets the terms in which the bailee can control the bailor’s property. Without a contract of bailment, you do not have a bailor/ bailee relationship.] The term bailment, derived from the French bailer(?), to deliver, is generally considered to be a contractual relationship since the bailor and bailee, either expressly or impliedly, find themselves to act in accord with particular terms. The bailee receives only control or possession of the property, while the bailor retains ownership interest in it. During the specific period that the bailment exists, the bailee’s interest in the property is superior to that of all others, including the bailor, unless the bailee violates some term of the agreement. Once the purpose for which the property has been delivered has been accomplished, the property will be returned to the bailor or otherwise disposed of, pursuant to the bailor’s direction. A bailment is not the same as a sale, which is an intentional transfer of ownership of personal property in exchange for something of value. A rental or lease of personal property might be a bailment, pending upon agreement of the parties. A bailment is created when a parking lot attendant, the bailee, is given the keys of a motor vehicle by its owner, the bailor. The bailor, in addition to renting the space, has transferred control of the vehicle by relinquishing the keys to the attendant. if the keys were not made available and the vehicle was locked, the arrangement would be strictly a rental or lease, since there was no transfer of possession. A requisite to the creation of a bailment is the implied or expressed acceptance of possession or control over the property by the bailee. A person cannot unwittingly become a bailee because a bailment is a contract. Knowledge and acceptance of its terms are essential to its enforcement. Consideration: The exchange of something of value must be present for a bailment to exist. Unlike the consideration required for most contracts, as long as one party gives up something of value, such action is regarded as good consideration. It is sufficient that the bailor suffer loss of use of the property by relinquishing its control to the bailee. The bailor has given up something of value, the immediate right to control the property. Page 20 of 55 Rights & liabilities of the bailee: The bailee can use the property only in the manner authorized by the terms of bailment. The bailee (Strawman) had partnered with the U.S. corporation to establish the bailor U.S. citizen (STRAWMAN). Before filing UCC-1, read Article 9 of the UCC. Transmitting Utility is not applicable. Get at least one certified copy of your filed UCC-1 to be able to enforce it in other States. If it’s filed in the County, you can get a certified copy from the County and then get a certificate from the Sec’y of State on the Seal of the County. Convention de la Hague established the legalization of international documents through certification in apostille. In every State (usually the Sec’y of State) there’s someone who can apostille or certify documents by officials in that State. [In Utah it’s the Lt. Gov.] This includes a notary – you can get your notary’s seal & signature certified (authenticated for use and recognition anywhere) by the Sec’y of State. The contents are not authenticated; just the notary is. A Notice in California is a Notice to the world. I just have to bring this record with me, certified, to enforce it. If you’re going to try to enforce a claim in another county, learn how their commercial registry works. UCC-3: Amendment to a UCC-1 POA Notaries used to be the equivalent of a justice of the peace. They have the capacity to operate in both jurisdictions. Notaries are agents of the Sec’y of State. 3cent stamp (private mail): Don’t mail from your mailbox – mail at the P.O. From: General Delivery, address of P.O. To: address; then non-domestic, without the U.S. P.O. boxes are public. Buying a house: Loan application [contains your SSN (promissory note doesn’t)] goes in for your credit. Bank wants to know if they can get you on the hook and you’ll actually make payments. When you deposit your promissory note (asset) with the loan application to the bank (like depositing a check), the bank gets authority from the Federal Reserve to enter a liability three days after your application goes in. You can track the TT&L transactions (between the bank and the Fed) on the funds generated by your #. The bank hems and haws a bit –need to add some points, bigger downpayment, etc., but in reality, the funds are sitting there. The liability funds go to the seller (and can’t be fractionalized by the bank); assets just sit in the account. Then you sign the promissory and trust deed (nothing without the security), creating another account which is a security with a future value. This security gets bundled with other securities, bringing in payments every month. The bank then sells this security to an investor who buys it based upon its future value. Page 21 of 55 Another ledger is created when you give them a down payment. It goes in as an asset; what’s matched on the liability side can be fractionalized (10x). [This is what you default on; this is what they foreclose upon; this is what they attach to your property.] The Deed of Trust mentions the Note (security). The promissory note and the house come together on the Deed of Trust. The note is your promise to pay; the Deed of Trust is the security for the note. The bank didn’t loan you any money. A bank can’t even create money; only you can, and whenever you do, it’s yours (as long as you don’t abandon it for 36 months – after 36 months, the bank can fractionalize it; even then, the Fed has to buy it from them). Assets are typically held in escrow (the banks can’t do anything with it). When you come back and claim it, they can’t say anything – it was your asset. You’re actually doing them a favor. When you claim it and get a check from Treasury, you’re going to deposit it your account and they get it back to fractionalize without having to wait 3 years. Liabilities are liquid – liquidity is on the liability side. The sides of a river are the banks. Spend it – at the end of the year you get it all back. When you make a deposit into a checking account, it’s an asset, but the bank gives you access to it through the liability side. The balance on your account is the liability side of the bank’s ledger. Courts work just like banks. When a court case is opened, a deposit (claim, signed complaint) is made. It is a money order that goes on the asset side of the court ledger. The original complaint (charging instrument) is held in a vault in the judge’s chambers. It’s the job of the court to decide who’s going to put the deposit in on the liability side. It can be the FRNs you have to pay. The prosecuting attorney (with his or her bond) is the insurer of the money to go to the liability side when he or she files a complaint. If you walk in there – you’re not an attorney – they don’t even like to talk to you. You’re not bonded – you’re a liability to the whole court. The judge, bailiff, attorneys and the case are all bonded. IRS 3949a Suspicious Activity Report can be filed on any bank not processing your 1099-As. IRS 4506t Tax transcripts to clean up your messes. Only your name is on the Grant Deed. After they foreclose on your house, they have a trustee sale (to sell the bank’s interest in the property evidenced by the Deed of Trust). After the trustee sale, you have to sign a quit-claim deed; otherwise you still have the title and the bank can’t do anything with it. They like you to think that they sold it, but they didn’t. The same bank that lent you the money bought it… coincidence?! Really? Show me the TT&L transaction; show me that money changed hands. it doesn’t happen. 05 Administrative Procedure Codified system that governs how agencies both within the government and outside the government can interact with each other and with you or your corporation. Page 22 of 55 Before the Civil War, there were 11 administrative agencies. In the ‘30’s at least 18 new government agencies emerged. APA Adm. Proc. Act (1946) set a standard for interaction. Data Integrity Boards. Each agency has the capacity to serve in both an executive and judicial role. One Senator called the APA the Bill of Rights for the hundreds of thousands of American whose affairs are controlled or regulated by the U.S. Government. Records are essential in the administrative process. CFR Code of Federal Regulations is the codification of all administrative processes. Title 5 of the U.S. Code beginning with Section 500. Presentment process through a notary: A notary is a witness. They witness oaths, signatures, dishonors, acceptances. As a witness, their actions are governed by these regulations. Their records can serve to authenticate or certify your procedures (2nd witness). I can establish public records that will back up my private records. If you have a claim against someone and you want to do a private process as opposed to a public process (lawsuit), here’s where the private process begins. Notaries have the capacity to serve in both jurisdictions, both within and without the U.S. In court (public), you need no other proof that an invoice, for instance, on a claim. If the opposing party doesn’t answer or defaults, you get your remedy. In JurA, an invoice is not enough because you don’t have the courts to enforce your private process. Get your judgment in JurA; then bring it to JurB by Registered mail to enforce. Certified is only for JurB to JurB. If you’re using certified mail, you’re in JurB. A notary can’t prepare documents for you. Presentment of Notice & Claim under Notary Seal is from the notary (with a statement about what the notary is going to do with response). Notary is instructing that all responses are to go through the notary. The notary is going to witness the response. “If the response is not received within __ days… In JurA, we’re operating in admiralty – when I make presentment of a claim, there is a three day turnaround in which that claim must be answered. If using the mail, we also have to account for three days there, three days back and a Sunday. This is why 10 days is typical of a presentment of a claim through the mail. “Your response to the claim is to be received through me no later than 10 days from this postmark to prevent issuance of a certificate verifying your non-response or default pursuant to my statutory authority.” You draft your claim in the form of an affidavit and get the notary to do a jurat on the document making it a sworn affidavit. Then you prepare a letter of presentment for your notary, structured so the document is from the notary; it’s to whoever you have your claim against. Sending evidence to the Court from JurA: Presentment of Evidence under Notary Seal: Reg. Mail Page 23 of 55 You may also have in your notary letter what would be considered an acceptable response and a defective response. A defective response is the equivalent of a non-response. The affidavit alone is just heresay. This becomes your claim when the notary attaches her certificate to it. The actual certificate from the notary is a 3rd party witness to what happened. Don’t send your original affidavit to the person you’re making the claim against. Keep the original and attach the original certificate of protest to it. Your claim is a security at this point. It’s not the facts that have the power; it’s the notary’s witnessing of their non-response that has the power. After payment and refusal of a private instrument toward a debt, and after they sent it back, you send it back again, making sure they know that as they returned an instrument that’s been put in on a debt, they are agreeing that that debt doesn’t exist; it’s been settled. I send them a Statement of Account showing that there’s a 0 balance. if they don’t rebut this with a verified (sworn under penalties of perjury) statement, this stands. They have 14 days to respond to this. “Your response to the request regarding a Statement of Account is to be received through me no later than 14 days from this postmark to prevent issuance of a certificate verifying your non-response or default pursuant to my statutory authority.” With the notary 3rd party witness of their non-response, I now have a Statement of Account for $0, which is a claim or a receipt. Request regarding Statement of Account: UCC Title 9, Section 9-210… Don’t quote the UCC, however, because nobody’s bound by the UCC – it’s only when it’s been codified into the State – in this example, quote California Commercial Code 9210. Necessary elements to include: 1) Collateral, if there’s collateral secured by that debt 2) Creditor 3) Debtor 4) Date of the Statement of Account (Date I sent this out) Certificate of Service, Certificate of Protest, Certificate of Dishonor, Certificate of Non-Response are all affidavits signed by the notary as a witness. Notary Certificate of Service: Notary takes all of your documents, copies them, puts them in the envelope, seals the envelope, mails it out, and keeps a private record of everything. You keep all the originals (Cert. of Svc., Statement of Account, affidavit, presentment letter). You send copies out in your presentment; give copies to the notary for her record. The notary’s record is how we take evidence from JurA to JurB. Certificate of Service contains also all the service information: “It is hereby certified that on the date noted below the undersigned notary public mailed to ___ (name and address), hereinafter Recipient, the documents and sundry papers pertaining to a certain account number ___ regarding ___ (Barney F. Rubble) as follows: 1) Notice of default dated on or about November 6th, 2008; 2) Reference copy of this Notary Certificate of Service (signed original on file) by Registered Mail #___, Return Receipt. Attach by placing same in a postpaid envelope properly addressed to Recipient and at the said address in depositing same at an official depository under the exclusive face and custody of the United States Postal Service within the State of ___. Page 24 of 55 A complete claim will have your Certificate of Protest and all of the supporting documents, i.e. original affidavit, your original Certificate of Service of the original presentment, your notary presentment letter (if applicable), Notice of Default, Certificate of Service of the Notice of Default along with certified copies of your Return Receipt (Postal Service form 3811) and Reg. Mail receipt (3806). And then I would slap an apostille on top of it (or certification from the Sec’y of State) making it a selfauthenticating claim. You have a 3rd party witness to every element of the claim which is essentially a judgment. In Title 5 (Adm. proc.), that’s what they’re doing to you. It’s not that the bank has any claim on your house it’s that they get you involved in a commercial process where you default on the process – that’s how they establish the claim. Every time you receive something in the mail, it’s a new offer – a new claim is being established. Notary sends Notice of Default (Dishonor) that you prepared. She already informed them that she was going to certify the non-response if a response was not received timely (it has everything on it that will be on your certificate). Presentment: “Be it known that the person signing below, a duly empowered notary public, at the request of John Henry Doe, in care of notary’s address, did duly present on October 14th, the instruments: Request for Statement of Account and Commercial Affidavit, dated October 14th, to Aaron Stubblefield of BAA&C Home Finance, 157 Yorktown Av., Eugene, Oregon.” Protest: Whereupon the notary public signing below for the reason dishonor by non-performance/ non-response, does publically and solemnly certify the dishonor as against all parties it may concern, for default on the instruments by reason of non-performance/ non-response thereof and the stipulations therein. Notice: The undersigned notary public certifies that on November 6th, notices of default [this is it] were sent to the parties noted below by depositing in a depository of the United States Postal Service within the State indicated herein, a sealed envelope containing said notices directed to the respective persons or entities at the last known corresponding address below (name & address of who we presented it to). Testimony: In testimony of the above, I have signed my name and have attached my official seal. With the Notice of Default will go a Certificate of Service which lists the Notice of Default and the Certificate of Service. Certificate of Protest is the last item on the list. “Reference copy of this Notary Certificate of Service (signed original on file).” A notary acknowledgement is a mini-affidavit. When you get a Notice of Lien or Levy from the IRS, is there a lien? Not yet. There is a lien when you don’t respond. Accepting it for value is in honor and then they don’t file the lien. You control the transaction and take legal title to it. Page 25 of 55 [Refused for Cause can be considered a dishonor. When the 10 days is up, some 3rd party certified the dishonor – that’s the lien.] They’ll file their Notice into the public record, but the lien is kept in the private. It’s good to stamp your Registered Mail envelope “Private”. Another stamp to use is Private; not for public filing, which is good on anything being submitted to Court on the private side. “Bob, If you don’t respond or pay me within 10 days, you’re agreeing that I can file a UCC-1 filing on you as the debtor and that your house (or whatever) will be listed as collateral.” No response: Go into JurB and file the UCC-1 (which stands as fact), yourself as the creditor; Bob as the debtor. List on the collateral anything you want to list. Record it at the County. You can foreclose on him, even for a $1000 debt. The only way he can remove that lien is to get a jury to remove it. When he takes it to court, what are you going to send into the Judge’s chambers? Your private evidence JurA claim. Bob can’t bring any evidence into JurB that will contradict your evidence. Your evidence, under notary seal with Sec’y of State’s certification is self-authenticating. It is an exception to the hearsay rule and you can bring it in – anything Bob says is hearsay and hearsay doesn’t refute the facts. Whoever doesn’t leave the battlefield, wins. Let’s say that BofA goes into default, and I have a stipulation that their headquarters building in N.C. is collateral, I can file a UCC-1 in that State and put a lien on their building and foreclose on them. Let’s say you have a claim against Chrysler, you can show up at the docks with your claim and seize the unloading vehicles. Bond the sheriff; show him your claim (UCC-1) and have him seize them. He’s in the public – all he needs is form; you show him the public record. He’ll do nything you tell him to do within the guidelines of administrative laws. You could file a court case on your claim and get a judgment lien. The Sec’y of State has special forms just for a judgment lien, which has a signature (UCC-1 one doesn’t have a signature box; not a verified claim) and a dollar amount (UCC-1 has $ amount). Judgment lien is a verified claim. You can go into JurB to enforce the judgment you got in JurA. It can be tricky. Play around with the form only if you have substance to back it up. If I perfect a $10,000,000 claim against some corrupt official and I liquidate that claim on their bond, no insurance co. will ever bond that official in that position again. Do a commercial process to get the bond#. If I make a presentment to an attorney, putting on there that I have a claim and that she has 10 days to get me whoever holds her bond, if she doesn’t respond, I’ve now got a claim on that bond information. I can take it and get an order out of a court ordering her to supply it. All crimes are commercial. Contempt of court is the one reason (in admiralty) that anyone ever goes to jail. When you plead Not Guilty, you’re instantly in contempt. When you stood up and said that you understood the charges you communicated that you would be surety for the charges. When you plead guilty, you are saying you will pay (not contempt). “I plead guilty to the facts, your Honor, and I want to effect payment immediately. What’s the sum certain on those penal funds?” Page 26 of 55 An apostille is a certification from the Sec’y of State. The Sec’y of State is saying that, Yes, that notary signature and seal are legitimate and you now have a self-authenticating document. It can be sent to any nation on the planet and it is recognized as a legal document. Hague Convention is JurB, so, from the U.S., I can get an apostille going from JurB to JurA, but not the reverse going from one jurisdiction to a foreign jurisdiction. If it’s from the State of California to the State of Nevada, it’ a certification. If it’s from the California Republic to Nevada State, it’s an apostille (international term for certification which is going to a foreign jurisdiction). I can take my notarized document directly to the Sec’y of State and I get an apostille. At a Sec’y of State field office, I would first have taken to the County that my notary is commissioned in and get certification from the County on her signature; then I would take that to the field office and I would get an apostille. Notaries can go to jail when they make threats and they don’t keep records. Remember, we’re creditors – we never make threats; we bring settlement. My notary must keep complete, accurate records and she must have a commanding understanding of the presentment process. Notary Manuals to give to your notary: Anderson’s and Piombino’s (sp?). Notaries and attorneys are U.S. citizens. ESQUIRE is always in all caps. Your U.S. citizen (Strawman) can be a notary if you want. Notaries are agents of the Sec’y of State. All U.S. citizens are employees of the State. Your U.S. citizen is a government official; low on the totem pole relative to ESQIRES and M.D.’s, but still a govt. official. Letters at the end of your name mean nothing in JurA. Look for a notary who is a creditor (not a victim). Private presenters can use notaries in any State. You’re not in any State. Jurats can only be done in person, however. If you want to go to court, it is essential to understand the Rules of Evidence of the Code of Civil Procedure. A-meri-ca = No mercy for the sheep. Dehehehehbtors. Administrative agencies (JurB) have no effect on creditors. Your SSN has dashes, such as 542-65-7249. You can’t put SSN on a UCC form. Your CUSIP (securities tracing)# is 542657-24-9. These are fine on UCC forms. EIN: 54-2657249 (also fine). 06 Principal & Interest Page 27 of 55 1099-A identifies the interest; 1099-OID reports the withholding of the interest; 1040 to claim a return of the interest to the principal. Blocked Credit System: Certain entities have the ability to access your credit: Banks Who created the money: You. There’s a way you can fractionalize your own money. By applying yourself, the government, the banks and your community will all benefit. Say we deposit and pay out $100,000 in a year into our checking account. When we claim it back, we lose 1/3 to taxes. The bank is happy because they didn’t have to wait three years for it, but we actually lost $35,000. 3 credit cards [You’re an Authorized Representative (trustee) on every account]: Credit Card A (used to pay all bills; spent $100,000 – pay off half of it every month; all by end of year) Asset: $100k Liability: $100k Credit Card B (We’ll pay A with B) Asset: $100k Liability: $100k Credit Card C (We’ll pay B with C) Asset: $100k Liability: $100k We’ll pay C with checking account ($100k). All three credit card companies made money; they each fractionalized $100,000. Now the IRS is going to get 1/3 x $400k; we’ll get 2/3 x $400k (return). We deposit $266,640 in our checking account. In reality, you never buy anything – legal title is never exchanged in the public. On the OID, Box #1 and Box #4 should not be the same number – Box #4 should be at least 10% less. Box #1 is the interest (which you’re going to be taxed on); Box #4 is the interest withheld by the bank, what is actually going to get returned to you. There’s nothing in the regulations that says they can’t be the same, but less red flags are possible when #4 is less than #1. One way to do it: Box #1 is all the checks that went through your account; if your cash withdrawals are near 10% of the amount in one, you could list in Box #4 the amount of Box #1 minus your cash withdrawals. Another way to look at it is whatever you don’t get returned is becomes principal that the bank can fractionalize off. If you leave them with 10%, they get 10 times that which keeps them in good stead too. You can get 100% back as a total creditor, but in the meantime, take 10% off for Box #4. Your Strawman is a debtor because he has obligations throughout the year. You’re charged property taxes after you’ve Page 28 of 55 received the benefits of it. If you’ve prepaid everything, you can really be a creditor, you can then reverse the trust; your Strawman is now the creditor. Box #1 gets summed up on a Schedule B and ends up on Line 8a of your 1040 as income. Box #4 ends up on Line 64 of your 1040. $100,000 in income leaves approximately 2/3rds of that yours; if $90,000 was withheld, you get back about $57,000. If you had fractionalized with at least one other credit card you would have gotten back your whole $100,000+. On $200,000, IRS would take about $66,000. $190,000 - $66,000 = $124,000 returned. On the 1099-A: same amounts in Box #2 & #4, matching Box #1 on the 1099-OID. Box #5: Yes on an abandonment; No on an acquisition. Box #6: Describe the property that’s been abandoned. With a 1099-A we’re identifying the interest. “instrument(s) deposited in account ___” (same account# that’s down in the account# box) “instrument(s) issued on account ___” When a bank forecloses on you, they send you a 1099-A, they’re going to have the principal balance in Box #2. Box #4 will have the fair market value. Box #5 will be marked Yes. In Box #6, they’ll put the address of the property. You have interest in that Box #6 address property (as does the bank). They’re claiming your abandonment of your interest in the property. CFOs make so much money because they understand 1099s. If you cannot find who functions as the CFO, go to the CEO; the CEO is the fiduciary of the corporation. Electronic filing gives you near immediate feedback which you can timely correct. FIRE System = Filing information returns electronically. 1099fire.com, W21099.com If you record properly and correct timely, your 1099-OID gets handled automatically with no red flags or frivolous filing charges. ZYA is not the way to go – they are instant garbage to IRS. They want their scannable forms. Whenever you get a payment coupon in the mail (utility bill, tax bill, etc.), it’s because they’ve got an asset sitting there. Usually on the bottom of the coupon is a row of numbers – account# and the equivalent of some kind of routing information and the amount. It is a check; it is a money order. Print “Money Order” at the top; write in the amount (you’re authorizing them to use the interest in the asset); put your signature on the bottom right. [The authorization came on your credit., so the interest is yours – they can’t touch it until you authorize them to.] This is the same as doing a 1099-A (Acquisition). It’s also basically an acceptance & return. From IRS, you may do this five or six times and then you don’t get them anymore. Often they’re different amounts – just keep balancing the books. Whenever you use the asset of the account, you should be in control of the trust (i.e. B/C afv’ed, sent to Sec’y of Treasury). They took away your ability to hold legal title. What they gave you in exchange (for greater or equal value) was the ability to have your debts discharged by the government. [You can no longer buy – you can only exchange interest.] [HJR 192] Page 29 of 55 People who try to use private instruments in the public to buy things often end up in jail. U.N. Declaration of Human Rights: Everyone is sovereign in JurA. Because of the unlimited right to contract, most everyone has ended up in JurB. Did you have to sign a contract to get into JurB? No. A written contract is only a memorialization of an agreement. Your performance determines whether or not you’ve contracted. When you reverse a trust, you can’t do it with a copy of the document; whether it’s a B/C or a Naturalization Certificate you need a certified copy (which has the force and effect of the original). Evidence in court also needs to be at least a certified copy. When you send it Registered Mail and you don’t get a response, it’s accepted. You’re reversing the trust just by AfVing the B/C. You can take legal title to your car just by signing the back of the Certificate of Title and handing it in to the DMV. Legal title comes in many forms. Interest comes in many forms. If I have a UCC-1 claim on a piece of property, I have, in effect, legal title to that property. If someone else signed the grant deed and filed it with the County, the County has legal title too. A person who has accepted the grant deed has equitable title too. In purchasing a house, the only document with two signatures is the grant deed – the person selling the property signs it; the person acquiring the property signs it. It’s a trust. A reconveyance of deed is the same as a UCC-1 termination. If we look at the deed of trust as a lien, the reconveyance is a termination of that lien. It’s just removing the bank’s interest. When you send the AfVed B/C in with a bond, you’re saying if there are any outstanding debts, liens or obligations or anything that would prevent me from taking control of this trust, use this bond to set them all off. You can make it a billion dollars; you can make it unlimited; you can make it what you want. Put a notice into the public record of anything you do in the private. UCC Bailor/ bailee. Ucc is public record of what has already happened in the private. I control the trust. Who’s the bailor: the STRAWMAN. Only the STRAWMAN has the right to hold property in the public. JurA entites can’t hold property in the public; they can’t have bank accounts, etc. – they’re outsiders to JurB. Were saying that all the public entity stuff & property, recorded and unrecorded, is being put into a trust. The trustee or the bailee is the private entity. Strawman now controls STRAWMAN’s property and he’s got more rights in JurA. Strawman is not limited by what STRAWMAN is limited by. You’ve reversed the trust. FRNs are registered bills of exchange. We can use them in public because they are registered (with registration #s) Because you use them, they can presume that you’re operating in admiralty; you must be a law merchant. Block credit system: We’re going to borrow your money, but we’re going to pretend that we loaned you some money and you’re going to pay it back. That’s going to gauge whether you’re interacting in commerce. You’ve got to go through an intermediary: courts or banks. Page 30 of 55 Create creditors who will create more creditors. 07 Banking overview Use a 1099-A to do an acquisition on an asset to close an account or make sure an account is closed. If Box #5 is marked Yes, you’re reporting an abandonment, so it has to be No. With an acquisition, there are no funds to be paid back. If you have an open account, still with a liability and you just want to close it (you’re not looking for a return because there was no interest withheld), you’re the Lendor on the form; the holder of the account is the Borrower. After you send Copy B to the Borrower (certified mail not necessarily with anything else – on the envelope you can put IMPORTANT FEDERAL TAX DOCUMENTS ENCLOSED), you have 30 days to report to IRS what you’ve sent. The Borrower only has 10 days to rebut or correct that form and send it to you. If you don’t get anything within 10 days of receiving, fell free to file whatever you’re going to file with the IRS. The next Statement of Account should show a 0 balance. 3949A Suspicious Activity Report To amend a 1040, use a 1040X. Typically, when you’re foreclosed upon, you will receive a 1099-A in the mail. Box #2 is the principal owed; Box #4 is the fair market value. If Box #4 is less than Box #2, they’ll mark it as an abandonment (saying you have to pay these funds back). They’ll either take the difference and set up a new account with it and probably send a collection agency after you; or, if they’re cancelling it, a 1099-C will follow. The Creditor on the 1099-C gets a right off; the Debtor has to declare it as income. IRS never taxes you for your labor. They tax you on the benefit/ privilege of using the banking system and FRNs. Use gold & silver and don’t use banks and you’ll have no problem from the IRS. However, every account you’ve ever opened is still open. You can’t get out of the system until you’ve paid your debts and you’re a debtor no more. GSA forms are for when you’re ready to get out of JurB entirely and truly be a creditor on the private side. Lincoln’s Emancipation Proclamation didn’t and was not meant to free the slaves. The Commander-inChief and victor in the war confiscated the enemy’s (the South) property. Original 13th Amendment: No titles of nobility. The original Constitution (Republic) protected slavery; it was the foundation of international bankruptcy of nations – you’re nation is a slave to the creditor. Slavery is still protected in JurA – the creditor has all the rights; the debtor has no rights. With the new Federal Constitution we had a new 13th Amendment: No slavery in the democracy. At your bank, you’re acting as trustee of your corporation, doing banking. When you endorse a check and deposit it, you’re doing banking; you have interest in that instrument; you’re creating assets in the bank. Assets are private; liabilities, interest, notices are public. UCC forms are public notices of a claim. Perfect your claim in the private, then register it in the public. Page 31 of 55 1) AfVing the B/C reverses the trust and you take on the role of trustee. You can’t be the trustee, the grantor and the only beneficiary, but you can be the trustee, the grantor one of the beneficiaries. The bond we send in with the B/C is designed to setoff or discharge any outstanding liabilities in relation to the trust. (Before you can secede from the public, you have to pay your debts.) The AfVed B/C and the B/C bond are sent Registered Mail to the former trustee, the Sec’y of the Treasury, fiduciary (Timothy Geithner). You could write a money order for the amount of an obligation; take evidence of the obligation and the money order and send it to the Depository Trust Company (DTC). The DTC will wire those funds to the asset side of an account I’ve already prepared to receive those funds (closed, onterest bearing checking account). Why closed? We’re dealing only on the private side, so there is a zero balance on the public side. I take a normal check off that account. I stamp PRIVATE on the top right corner of the check and Without Recourse below the signature line on the check (no public liability). It is an instrument that can be negotiated on the private side of that account. This is about a 10 day process. Parent company of the DTC (private) is the Depository Trust & Clearing Corporation (DTCC, public). The DTCC is where the birth certificates are held. When you’re truly a creditor, you can bond the utilities, the police, the fire dept, etc. Write a bond, sign a bond and then mail the bond certifying (with a notary witness/ receiver) their acceptance (by lack of response) of the bond. Wherever the Fire Department gets its funds – that’s where I going to send my bond. When you register a firearm, you’re giving legal title to the State. The credit system is really all about debt. Those with the highest credit scores are the best debtors. You can discharge a public debt by writing a check drawn on DTC funds. There’s nothing in the Liability column. The endorser creates the liability, acquiring interest in it. The endorser is the debtor. Keep your checks under $250,000. Actually, even to establish yourself with the DTC, you have to send them $250,000. The new FDIC insurance is $250,000 until at least October ’09 (may be permanent, but we don’t know). When you open a new interest bearing bank account, you’ve immediately got $250,000 on the asset side. Use that to open your DTC account in the process of closing the bank account. 08 Creditors Control Why do you think banks loan money? If you are in debt to me; I am the creditor and you are the debtor. I control this relationship. If the debt you owe me is secured by some collateral, I control the collateral. It’s all about control. Page 32 of 55 They’ll take a loss if in the process they’re going to gain some security on the debtor. Bank of International Disputes is the central bank. All U.S. federal, state and county governments are bankrupt. The international creditors for the U.S. have a security interest in all the collateral that the U.S. holds. The international creditors control all the property. A sovereign is someone who controls all their property. If we want to change the condition of international bankruptcy that we are under, what can we do? Clear the debt off the books. The States couldn’t secede in the 1850’s because they hadn’t cleared their debts. If we want to control our property, we must pay off all our debts. If we are taking responsibility as creditors, we are taking responsibility for clearing the debts of the city of Eugene, the County of Lane, the State of Oregon, the U.S. and every other municipal, corporate entity that is in debt within the U.S. (if we’re only taking responsibility for this nation). If you’re willing to pay a really big game, you’ll take on the debts of the world. We can fractionalize and multiply our money up to 10x what we’re spending in each year. As creditors wanting our sovereignty back; wanting to free our county, our state and our nation, something we can do with these funds we are generating as bankers is to buy off the debt. You can buy off municipal debt by buying municipal bonds; the state’s debt by buying State bonds; the nation’s debts by buying Treasury Bonds. If the people of the U.S. held (and controlled) all the debt (all the bonds) and we pay it all off through our ownership of this debt, the international creditors no longer control the U.S. and the people, responsible creditors within the U.S. pull the levers in determining what we’re going to do with our government funding. Whatever our vision is. If we fractionalize our money and become the source of all the funds, the Fed becomes a tool, just like any bank. We control the property, not the banks. Acquisition on a car loan of $50k: You signed a promissory note along with the application creates a $50k asset and a corresponding $50k in interest or liability in a deposit account. Signing the promissory note is just like endorsing a check. Is the dealership paid when you deposit the promissory note? No. The Lender Bank has to issue an instrument to the dealership to pay off the car. They’re withholding $50k in interest from this account and there’s a new asset: the instrument that was issued on your credit per your authorization to pay the dealer. The acquisition is on instrument that paid the dealership, offsetting the balance – a $50k credit closes the account. If you had made $5000 in payment, you have a $5k credit in the account. You should get a check from the bank for $5k. If the bank doesn’t properly balance the account, send them a presentment including a photocopy of the 1099A and a 1099-INT for the interest you’ve paid in on that and a clear set of instructions. “I’ve now acquired the asset in the interest that was issued to the car dealership, thereby closing the account. Please Page 33 of 55 acknowledge closed account within 30 days or I will file a Suspicious Activity Report with the IRS (3949A) Got a $5k frivolous filing fee from IRS? Make a money order out of the coupon and send it back. Don’t detach. Write “Payable to the U.S. Treasury” Put tax year, tax form and amount enclosed. “Tax period 12/31/07, 1040, $5k” Tax ID is already on there but put it again. “TIN: 123-45-6789” Also, write “Money Order”. AfV statement in red in upper right corner: Accepted for Value, Exempt from Levy; date; Exemption # 123456789; Signature in blue (or red) on a black line underneath of which you write “Authorized Representative”. Signature in blue on a black line underneath of which you write “Authorized Representative”. [Two signatures.] Put the same statement on the top half of the page. Better to write than to stamp. You can send it certified; it doesn’t have to be registered. Send a 1040-V (payment voucher) whenever you do a money order.. These work well with the IRS; not as well with the States. [Do an acquisition.] In admiralty, anything in a box is not there, so be careful about drawing boxes. Same with parentheses or brackets. Anything in parentheses or brackets is not there even on government forms. In court, the judge, the reporter, the jury and the plaintiff and defendant are all on different levels and in their own boxes. Entering the bar is entering a box. Anything in red is private. We don’t have real money anymore; we’re not trading legal title, only equitable title (interest in something). Assets can’t be traded because we’re bankrupt. We’re only exchanging interest (liability) in the public. FRNs are promises to pay (debt) in the private; they’re payment in Disneyland (public). Every court case is a trust. Who makes a claim [to compel performance (only in equity,admiralty; not common law)] in a trust: the Beneficiary (plaintiff). The defendant is the trustee – it’s not always good to be the trustee. The trustee has to fulfill his duties to make sure that the beneficiary gets what he deserves. In admiralty, the courts compel performance of the trustee. An invoice can be a claim in public; at least get a verified claim (signed under penalty of perjury). Dates: OIDing a checking account: Use the last Statement date in December (Date of Lendor’s acquisition or knowledge of abandonment). Acquisition on a car loan: the Date you sign. An abandonment doesn’t close the account; acquisition can. If you can’t get the EIN# of a bank, leave it blank – IRS knows how to get it. On the 1040, deductions only come out of your non-interest income (W-s, 1099-MISC). Page 34 of 55 Lines 8a (total of interest income from Schedule B) and 64 (total withholdings) are the only lines that change doing OIDs (and whatever those lines change). OID is normally treated as the payment of interest. From IRS: “Any party issuing a financial instrument with OID must issue an information return or form 1099-OID.” Banking has nothing to do with labor or the purchasing of goods. It matters that you’re banking and creating an asset. That’s what you’re reporting. IRS doesn’t tax you on your labor; they tax you on your banking. Bank accounts never close. They’re used for setoffs and adjustments. When you close the circuit, by closing the account; that’s when the money flows. To get an IRS transcript to find out if you have liens, do a 4506T up to four years at a time with each form; you can use multiple forms. When you’re sending Copy B of 1099-A, you want it to get to Accounting dept., don’t send it to the payment processing center; send it to the headquarters of the corporation with a statement at the bottom of the envelope: “IMPORTANT Federal tax documents enclosed.” 09 Quantum Language Quantum language is scientific and clear; it is not dependent of judicial or other interpretation. In the U.S. Code there are 30 definitions of United States. United State could be adverb-verb, adjectivenoun, etc. For the last 10,000 years, mankind has been creating fictions with the adverb-verb use of the language. Judicial discretion may be something like interpreting a phrase based on some previous interpretation of that phrase. A judge who may be doing a review of a pleading or evidence could take judicial discretion in interpreting what you’re saying. If you’re just stating adverb-verb all over the page, you’re not stating any facts; you’re fictionalizing your speech. Spoken language is always fiction: to + too = fore. How do we overcome our fictional use of the language? In any language, a noun can be clearly identified in a statement only when it comes at the end of a prepositional phrase after an article: preposition-article-noun. Prepositions: for, of, with, by, in, on, as Avoid under, over – certain words by their structure and nature nullify what you’re trying to do, especially if you’re seeking to speak truth. For = cause. Of = effect. With = possession. Page 35 of 55 By = authority. Articles: this, the, a, any, our Avoid ? For the united-states of the American-Republic. preposition – article – compound noun – preposition – article – noun united is past tense so I am still fictionalizing my language. Can this be true in now time jurisdiction, and if not, when is it true? union-states (one definition in the U.S. Code) rather than united-states is better. North-American-Republic is better than just American-Republic. More clarity and it’s now time jurisdiction. Every law that’s written has the word “shall” which is always in the future. When is it actually enforceable? If a fact is not in the now time jurisdiction, is it ever a fact? If it’s always in the past or the future it’s a fiction. Every statement that uses past and future tense words, place the statement outside of the now and the statement is never true. What is in the now is true no matter when I read it. See pdf: Mastery of the Universal Legal Technology. Everything that comes into the court is in fiction language, so the judge is always interpreting. Where are you putting adverb-verb fictions? and how is he interpreting those fictions? One of the most important things in a pleading or a contract or a trust is your Definitions. Anything you want legally binding, you want an extensive definition section. Judges and international litigators are learning Quantum Language. They have already been working with this for a decade. Within a decade it will be the standard. There will be a rewriting of all contracts, constitutions, treaties, etc. Already, all international treaties are written in quantum language. Quantum language is being used to restructure the entire world’s economic system; on all the bonds, all the instruments being passed. This will probably never be a public language, because they don’t want you to know this language. Learn to structure your claim in quantum, now time language. Brandom already has a “Claim of Life”, the equivalent of a birth certificate in this language. Be mindful that when Brandon writes “Brandon…”, he is unaffected by everything that comes after. If he wanted to associate what comes after with Brandon; if he wanted to make Brandon responsible for whatever comes after in the statement, it would be the last thing in the statement after the preposition “by”. It creates accountability and responsibility. …describe the action “by the defendant”; not “The defendant did this…”. “Brandon must drive his brother home.” Page 36 of 55 There is no guarantee that Brandon is a noun because there is no preposition; it cound be adverb-verb or adjective-adverb-verb... This statement is fictional in may ways and completely up to interpretation. Rather: “For the driving of the claimant’s-brother to the claimant’s-house is with the duty of this claimant by this claimant.” contract = contract-charter-vessel. The name (or subject) at the beginning disqualifies the name from being attached to the statement following. On the other hand, putting your name at the front indemnifies you from everything that follows. Judges know this and look for this. The Kingdom of Hawaii claimed their sovereignty from the United States via a quantum language claim with a quantum language constitution. Some of their compound nouns, separated by hyphens, are ten words long (sub-categorizing, very specific). The international courts recognize them. Why are they still a State? They haven’t paid their debts; they haven’t discharged all the debts of the State of Hawaii. David Winn-Miller (sp?) speaks and writes quantum language. An important factor of quantum language now time language is that the only verbs are is and are, which show action or volition. Volition = Will in action. au: authority, authenticity, autograph, (gold) Every word is related to every other word… by design or infinite wisdom? How we put what letters in what order defines the word. Infinite wisdom is in all the movies, all the songs…reverse speech… Clearly defining nouns… no-un = no-no = yes. Neither this nor that. Pronoun is a triple negative, so don’t use pronouns. They don’t have a clear cut definition. The U.S. Constitution is full of adverb-verbs and pronouns. Nothing is clearly defined. Colons (:) and hyphens (-) are hieroglyphics, representing prepositional phrases. :Brandon-Alexander: Adams is a way to write the names so that it is a noun; it is a known. For the Brandon-Alexander of the family Adams Don’t write your name like this unless your entire document is in quantum language. ~1: volition #1: ~ takes it out of being a mathematical object and makes it into a noun position. Creditors can use this language to state a (superior) claim upon which relief can be granted. Any statement written in quantum language structure (prepositional phrases) has the same meaning in any language on the earth and it’s provable backwards and forwards. Quantum language doesn’t use negatives; i.e. “for the this is not for the that”. For the driving of this car is with the knowledge of the driver. Page 37 of 55 For the driver of this car is with the knowledge of the driving. For the knowledge of the driver is with the driving of this car. 0 = conjunction (and, or) 1 = adverb 2 = verb 3 = adjective 4 = pronoun 5 = preposition 6 = article 7 = noun 8 = past tense 9 = future tense To ask questions, put the (only) verb (is or are) in the front of the statement. We’ve used adverb-verb fictions for 10,000 years. Hawaiian and some other native languages are in quantum language structure. [In a universal system of measurement, all reality is based on a sphere. Every circle has degrees and minutes (21,600) of arc. It is 21,600 nautical miles around the earth. Light decelerates in the presence of a field by 144,000 minutes of arc/ grid second. This creates appearances; the inverse creates gravity. The volume of a tetrahedron (pyramid_ relates directly to 144,000. Pyramid inches are related to grid measurement.] When Jack Smith talks about sending in a money order (asset) or a 1040-V, he’s talking about offsetting the liability of the funds of your return. If you reported $100,000 in income, that means there was $100k of liability out there because of your actions. Brandon is aligned with the idea of offsetting public liability; however, if what we’re doing is identifying and declaring the abandonment of our interest and reporting the withholding of our interest and then claiming a return of the interest, the process of claiming a return completes the circuit and removes the liability. A 1099-A, 1099-OID and 1040 do what that money order did. The return isn’t taxable; nor does it create a liability. You can pay your brother’s debts, but you can’t claim his interests. Private bonds aren’t meant for the public. 10 Admiralty The Admiralty Extension Act extended the jurisdiction of admiralty inland. Read “Why We Are In Admiralty Jurisdiction”. Though they hate to admit it, all States have admiralty jurisdiction in all of their courts. Blue and gold are typically admiralty colors. Admiralty is a very powerful place to be in when you’re dealing from in the private to the public. It’s where you want to be when you’re protecting private rights, private trusts, foreign trusts, etc. because it puts you outside of the democracy. Page 38 of 55 Staples are a temporary binding. Whenever you submit document, the staples are removed and those documents are not necessarily associated with each other anymore. Everything in a democracy is a statutory codification of the principles of admiralty. Salvage law is where IRS gets its 36 month period testing period on the abandonment or acquisition of secured property. Patriots often fight for Article 3 courts, trial by jury, etc. with the position that something is wrong, but we’re in a special maritime jurisdiction. When the Federal Government created federal citizens and you volunteered to be U.S. vessels, you agreed to be bound by these principles of the law of the sea. Anything can be a vessel, even your documents that you place into the public or use in contract. Our bodies are vessels; human bags filled with seawater. In the Bible, women are described as the weaker vessel. It’s not common practice anymore, but title documents in the ‘40s were transmitted with documentary stamps on the document itself to transition that vessel through admiralty. All pleadings, court filings, letters to IRS or any government agency should be on 8” x 14” bond paper. (Admiralty doesn’t recognize halves – 8-1/2” is OK) Should be a flag in the upper left hand corner of the vessel (and on the back as well); a stamp in the upper right hand corner (and on the back as well) with signature & date through it – you’re acting as the Postmaster General for the authorization of that document to move through commerce (admiralty); autograph of claimant (libellant) on the back as well as wherever it may be on the front. This form has administrative authority under the APA. This format should always be used when you are sending from the private to the public. We’re all postmaster generals. 8-1/2” x 11” paper is legally defined as a correspondence. The entire vessel is under the jurisdiction of your flag. They use the military (democracy) gold fringed flag in the public courts (3” x 5” on documents). A Puerto Rican vessel in dry dock during a state of war. We use a non-gold fringed 1” x 1.9” flag (of the Republic). [The vertical civil flag is not the flag of the Republic.] All administrative agencies have a degree of immunity when operating in civil jurisdiction. They are a private party when you state a case in admiralty (flag, seal, 8-1/2” x 14”, etc.). You can form a libel (claim) against anyone. They are now a private party. You can bring it to any court. All courts, internationally, hear cases on admiralty. The one document that is always included in a notary’s witness to procedure is a bill of lading (proof or certificate of service). The bill of lading carries with it the liability of the vessel (the claim). The notary signs on as the carrier, a public vessel (as opposed to the shipper – you). The bill of lading lists an inventory of everything being carried on the vessel. Our paperwork is cargo. FSIA Foreign Sovereignty Immunity Act. Public Vessels Act waives immunity of the government or government agents. Page 39 of 55 The bankrupt are not legally competent to conduct their affairs. Our postal system is the foundation of the democracy. The Post Office and judicial courts were established before the seats of government. All the bankrupticies have no effect on the (solvent) Post Office. Communication has a higher value than government itself. Post Office and International Postal Union (formed 1874). The IPU stamp of choice was the $1 Fox with no box, but they’re not available anymore. You want to use stamps without boxes when you’re remaining in the private and autographing and dating across it as a private mail carrier. The box can be broken on any stamp by drawing two 45 degree angled lines through it. Certified Mail is a benefit/ privilege in the democracy. Registered Mail is private. Judge’s paychecks are signed by the Port Authority. /Every court is a Puerto Rican vessel in dry dock. One of the 30 definitions of the United States is a trust that was established in Puerto Rico. Puerto Rico is a tax free zone. The Declaration is a document in admiralty signed on the back and carried to the King by Ben Franklin, the first Postmaster General. The P.O. is solvent. The only asset-backed currency in the U.S. are postal money orders. You’re actually subtracting from the public debt by purchasing postal money orders. The P.O. accepts payment for MOs only in cash or debit cards. Canadian currency actually says “Promissory Note” on it. The only way to get a vessel released in admiralty law is by posting a bond for double the amount of the damages caused by the vessel. You could bring in a surety bond replacing yourself as the surety. Handing over title to the vessel is just as good as handing over the vessel. You get out of a criminal proceeding only by signing three bonds: a bid bond (GSA 24), payment bond (GSA 25) and performance bond (GSA 25b(?)); they pay your debt to society. 11 Surety & Escrow There are no problems without solutions. Read Modern Money Mechanics again. Read the surety, indorsement, security and escrow pdfs. Surety: A person who is primarily liable for the payment of another’s debt or the performance of another’s obligation (a primary obligation – not conditioned on another’s default). A surety is different than an insurer in that a surety often receives no compensation for assuming liability. A surety differs from a guarantor who is liable to the creditor only if the debtor does not meet the duties owed to the creditor (a secondary obligation). The surety is directly liable. A cosigner on a loan is a guarantor, not a surety. The States were guarantors of the Constitution, jointly and severally. Page 40 of 55 When you walk into a courtroom and there is a U.S. fiction on trial, you’re the surety for that fiction. A bond can be a surety. Indorsement: into or onto the back (dorsal). Authority. Endorsement: behold (an observation) the back. No authority. Winston Shrout said that the Department of Homeland Security is where they hold the debts. Escrow: When you put a coin in a vending machine, the owner of the vending machine is the escrow agent until you punch either a product or the coin return. With these two forms alone, you can actually get the note back on your house and all the funds back. On the back of the note is an (special) indorsement by the CFO of the bank, monetizing your note, showing that it is a deposit instrument just like a check. Standard from 28: Affidavit of Individual Surety: an affidavit in a form; very powerful document, not to be taken lightly. Instructions: 3 hour reporting burden: Fill it out correctly the first time, or they’ll come back and charge you for the clerk’s lost time. They’ll research every little piece of information you put in there. Correctly filled out, these forms make things happen immediately, within a week. 1. Government Contract: Anything other than a private agreement between two private people who are not relying on their U.S. citizenship for limited liability in the performance of that contract. In other words, just everything is a government contract. 2. “No corporation, partnership or other unincorporated association [i.e. trust or anything that’s not a corporation or a partnership] or firm, as such, is acceptable as an individual surety.” An association is just two or more coming together to do something. Originally the union of States was an unincorporated association. Then they created the corporation through the Constitution. Then, in the 1860’s they created a federal corporation. “This affidavit” is an affidavit of surety. A bond is a security. Bond: An obligation, a promise, a written promise to pay money or do some act if certain circumstances occur or a certain time elapsed… 3. “U.S. citizenship is an individual requirement…” 4. “All signatures … must be originals…” [Certified copies of POAs (private agreement) if for others.] A notary can certify copies of Power of Attorneys. Read Section 5 of the Securities Act of 1933. Attorney-in-fact is the maker. Attached bond is the Optional Form 91. These two forms can get the original note and all the funds back; mortgage gone, property reconveyed. Most likely you’ll name the bank if dealing with a mortgage. Page 41 of 55 If improperly used, people have gone to jail using these forms. Get them out with forms 24, 25 & 25A and Form 28 (necessary for any of these forms – what’s a bond without any surety? worthless). Public officers, judges, attorneys, process servers, cops, clerks, bailiffs, licensed contractors, etc. all have bonds. Only the representative of the Defendant doesn’t have a bond. If he did, he wouldn’t be standing there – the bond would be. Here, discharge this defendant’s liabilities. That’s what their bonds do. Creditors hold their public officials accountable. Winston Shrout liquidated a bond on a Sheriff. Create an Affidavit of Obligation, presented through a commercial process, with certification through a 3rd party witness (notary) and liquidate… Remember always to state a claim upon relief can be granted. If they are damaging the public, you’re a party to it. Statutes of limitations only exist in statutory jurisdictions. If you have a UCC-1 claim on someone, the only way they can get it released is by trial by jury. You’ll bring your evidence to the trial and that’s all you’ll need. Your security agreement shows they’re liable. The stories aren’t relevant. Every U.S. citizen (capital unit of production, a resource) is bonded for $10,000,000. If you’re not commercially productive, you’re worth more dead than alive. Optional Form 90 is only for those truly responsible. Then you’re off the grid – no more property taxes. Forms 28 with 90 & 91 equates to allodial title. Indians can get their property back. Optional form 91: Release of Personal Property From Escrow – can be used for getting rid of a mortgage, a car loan debt, a credit card debt, a court case. These forms can be used for up to three years after the property had been lost. [1st – no “I”] Whereas ___ (STRAWMAN)… U.S. Government Contract Number: SSN [2nd] Whereas, I ___ (Strawman)… Warrant ([warranted]: a document conferring authority, especially to pay or receive money… to guarantee the security of realty or personalty or a person; to give warranty of title; to promise or guarantee; to justify; to authorize. Form 28 is what makes you a duly authorized, warranted contracting officer. One form that will take you completely out of the system is Standard Form 30. 12 Faith, Spirit & Energy Before fiat we had a commodity, specie based (gold, silver) money system; which is limited. Our current system is based on the faith, spirit and energy of the people; which is unlimited. The # that’s on the bottom left of the money order is an SSN, the public side of your account. Unless you’ve been granted access and authority by Congress to use that side of the account, you don’t have access to that side of the account directly. (We’re on a blocked credit system.) IRS has the authority – that is why we can turn an IRS coupon into a money order. Page 42 of 55 Every Social Security card issued after 1999 gives you direct access to a Federal Reserve account on the private side (letter and 8 digits on the back). Front side of the card is the public side; back is the private (red). The letter represents the Federal Reserve bank. There are 12 of them (A-L). There are book entry routing #s that go with all of those letters. The account# is two 0s followed by the 8 digits. Two zeros or the # to the bank? We were writing bonds based on the B/C bond. That # is a public # and we have to be granted some permission or authority by Congress to access funds through the public side of that #. Those B/C bonds are not as useful as we thought. Whether they can monetize it or not, we can perfect a claim on them based on it, if they don’t respond to it. Now you can create instruments that can be monetized. Let’s say you wrote a note to setoff a debt. According to the UCC, using one debt instrument to pay off an obligation is exchanging one debt for another, which is a discharge. To do a setoff, you want to be able to draw funds from the asset side, using the # on the back of the Social Security card. Ex: L12345678: bond number, so account# is 0012345678 L = San Francisco; the routing # for SF is a nine digit #: 1210-0037-4 0012345678 Get magnetic readable ink for your printer and custom checks from a check printing company; through QuickBooks and print custom checks with the routing# and account# on there all day long. I would use these private checks only to discharge or setoff an obligation. HJR 192; Public Law 73-10: Legal title was traded in for allowing the Sec’y of Treasury to setoff all your debts and obligations. Pay a credit card with a credit card via credit card checks. 13 Principals & Concepts (April 30, 2009) Interest bearing (checking) accounts are backed by the FDIC; non-interest bearing accounts are not. The banks are using interest bearing money so they have to put up an insurance policy on it and they have to charge you a tax for the right to use it. When Brandon refers to interest, 99% of the time he is referring to a claim; in this instance, interest means usury interest. There’s $11 trillion that we’ve created as debtors and have not claimed back as creditors. All B/Cs end up at the DTC, where all the assets are held. Page 43 of 55 14 Creation of Money To access the documents, join the Creditors in Commerce Google Group (http://groups.google.com/group/creditors-in-commerce) and send a private message to Ryun (humtech@gmail.com) and tell him that you want access to the private network and he will get you access. Money Money Mechanics breaks down how money is created. Money is created and it comes back; this is just banking. The Walker Todd Affidavit also explains how money is created. In a bankrupt nation, money of substance can’t be used. The only form of money in a bankrupt system is debt. Promises to pay are debt. Getting a refund of funds after you’ve created funds: I receive a $1000 check, endorsed it and deposited it. Where did the funds come from that populated my deposit account? My endorsement. Funds don’t go from one back account to another. All that happens is double entry bookkeeping. Whenever there is a debit, there is a credit. My bank: Assets: Liabilities: I receive a $1000 check, endorsed it and deposited it. $1000 $1000 (bank’s liability but my account balance) - $500 Bill: Assets: Liabilities: I write Bill a check for $500 $500 $500 Escrow account attached to my account: Assets: $500 Liabilities: $500 Bill’s bank ledger’s an asset; My bank ledger’s an asset; then the Fed ledgers an asset; then the DTC ledgers an asset. An $800k promissory note to purchase a house: Buyer’s account after signing promissory note: Assets: $800k Liabilities: $800k - $800k Seller’s bank: The authorization for the transaction to Seller is from Buyer’s signature and account. Assets: $800k Liabilities: $800k Escrow account attached to Buyer’s account (what Buyers obligation is tied to): Assets: $800k Page 44 of 55 Liabilities: $800k 36 month testing period that no one can claim other than Buyer. The CFO of the bank also endorses Buyer’s promissory note. They didn’t actually loan the Buyer any money, but the Buyer did agree to make monthly payments on the security. It’s only worth as much as you’re going to make payments on it. They bundle others together with it and sell them. The Bond Rating verified how good the paper is. The bank doesn’t make anything until the Buyer starts making payments. OID = Redemption value of a debt instrument at maturity – its issue price. $1k check redemption value is $1k; issue price is $0. Step 1: Identify and acquire the funds (1099-A), enabling the IRS to grab those funds. Step 2: Report those funds as income; so far they’ve been withheld (1099-OID). Step 3: Make a claim (1040). 1099-A BORROWER’s Identification # is the bank’s EIN, the one holding the escrow account. To get their EIN, you can call them (say you’re doing a forensic audit – what I want is EIN and name of the bank that sends the funds whenever I initiate a transaction) or send them a W-9 (request for taxpayer I.D.) or noex(?).com or einfinder.com or the SEC info site, etc. Be aware that there are many American Expresses and corresponding EINs – even the American Express that is holding the escrow account is not the same American Express EIN that you send your payments to (it’s a servicing company). None of BofA’s cards are from BofA. Chances are it’s from FRA card services. There are a handful of Chases. There is a Target National Bank; Sears doesn’t have a bank – they use Citibank South Dakota. Look on the back of the credit card. Also, just because a bank is bought out or acquired by another bank doesn’t mean that it went anywhere – it may still be a bank with the same EIN. If the account# changed, probably the bank changed; therefore, two different accounts. Credit reports usually have past card information. Checking accounts are usually easy. Below that is the Account# - this could be your checking account# (put the full # - look at the bottom of your checks). Regarding credit cards – if the account # changes during the year, it is another account# and requires another form to account for those funds. Box #1 is usually the last statement date of the year or closing statement. Box #2: All funds (I) created on that account. Box #4: same amount. 15 Accepted for Value A debit in public accounting is the positive entry; a credit is the negative entry. The amount due on a Verizon bill, for instance, is a debit entry (on the public side; it is a credit on the private side); your payments are a credit or negative entry. How you pay that bill determines whether it is a credit or a debit. If you pay it with a debt instrument, you’re sending them a debt. Public accounting enters a debit; your payment is a credit. The bill is a private offer. If you were to use a contractual acceptance of that credit, your convert the amount due into a credit. They can use the credit they sent to you as the payment on the obligation. Page 45 of 55 The number on the back of the most recent Social Security card is for private transactions; whenever you accept for value. Verizon bill or utility bill or credit card acceptance: We don’t want them to close the account; it is a recurring billing cycle, so we’re not going to add “for settlement and closure”; we’re going to do an acceptance and a return. At a 45 degree angle over the statement portion of the bill, hand write: Accepted for value and returned for value Exemption [Routing # associated with letter on the back of the SS card; then a space; then Bond#]. Date By: signature To close account ( a bank settlement statement of account, pay off statement on a house or a car, property taxes – County Treasurer, can I get a statement for the next seven years?, etc.), add “for settlement and closure”. Federal Reserve Routing #s can change. The letters won’t change. There are many routing #s for each Federal Reserve bank. You want the single account routing# that is both book entry eligible and funds eligible. When choosing routing numbers from http://www.fededirectory.frb.org/reserve.cfm, be sure to click on "More" below the location. Choose the routing number that has "Eligible, Eligible" under Fedwire Eligibility. On a payment coupon: Write in the amount of the payment. Sign in blue in the lower right hand corner. Flip it over and sign on the back just like you were endorsing a check (no By:) If the coupon doesn’t have routing information, write your routing # and account # (same as on acceptance statement) along the bottom left. If a statement does not have a coupon, make a photocopy of the statement. AfV,RfV the original; on the photocopy, put the routing information on the bottom left, sigh in lower right; flip it over and endorse it just like a coupon. Your photocopy becomes your payment coupon. CFOs know what to do with it, therefore send this process to the CFO, usually at corporate headquarters. Don’t put it in the envelope provided and send it to the payment center. Attn: CFO _____, corporate address. Notary’s return address in the top upper left of envelope to get certification of dishonor. Underneath either you or your notary’s address, at a 45 degree angle, Confidential, Priority. Find CFOs: Dun & Bradstreet lets you search by name: dnb.com Certified or Registered. You don’t need a CFO when dealing with the IRS. Send it exactly who they want you to send it to whoever gets it sends it to Ogden and they know what to do with it. Use the four digits after the first five digits of the zipcode. With coupon, send to Atlanta; without coupon, to Ogden. Page 46 of 55 1040-V typically includes with any payment you send to the IRS, but Brandon does not know if it is necessary. This process removes or sets off public debt. Get an amount from the County Treasurer (CFO of the County) or Assessor and pay your property taxes. Prepay for seven years. Perhaps put “settlement & closure” on it. Like IRS, each year is a separate account. But are you taking it off the registry? No more fire, sewage, water, etc.? One person made private deals with the fire dept., police dept., the school system, water, sewage, etc. The deal he made with the police was that they could come onto his property only in pursuit of a fleeing felon. He paid the Fire Dept. $435/ year for their service; it could have been in the form of a bond. Normally, there’s always a lien right on your property because you pay your property tax the year after you receive the benefits and privileges – you’re always in debt. Prepaying seven years in advance establishes that you are in control of your property; all existing liens are released. Liens on your property: Grant Deed registered in the County Deed of Trust – settle and get a reconveyance of deed, removing that lien. Remove the county and the bank and you control the property in peaceful possession. You wouldn’t even have to file a UCC-1 or anything else. Same thing on your vehicles - registration is for the previous year’s benefits and privileges. Prepay seven years in advance. Across the seal of the envelope, “Attention CFO” If dealing with the California FTB, go through the CFO, whatever their title. FTB is just like a bank – they’re not like the IRS. FTB’s shares their EIN with DMV, Dept. of Corrections, Dept. of Child & Protective Svcs., etc. The government is subject to HJR-192, not you. All statutes and codes are by contract. You only fall under Title 26 when you have a contract. They’ll grab statutes out of Title 18 to charge a person – that’s the contract – it may say indictment, but they’re making an offer that comes with the conditions of those statutes. There is no law in the court unless you bring it in. You put in your offer, or pleading, and that’s the law that determines the terms of the case. The judge looks at the contracts. If you bring in a complaint without statutes or codes, there are no contracts or legal basis for your claim for the judge to make a ruling on. On a traffic ticket, the codes had nothing to do with you until the cop put it on the citation. From another country, banking in the U.S.: W7, ITIN (Individual Tax Identification Number) 1099-OID is the same in almost every country – just that, obviously, the forms and agencies are different. Everything ends up through the DTC. 16 Conditional Acceptance Page 47 of 55 Law = Contract. A court of law is a court of contract. Offer responses: Acceptance (the only way to be in honor) Expressed: “I accept.” Implied: via performance – if you order off the menu, you agree to pay for your meal. Conditional: A counter-offer: There is no contract until the original offerer has met your terms. Refusal or rejection (dishonor) Argument (dishonor) What is signed is only the memorialization of a contract. Motive is determined objectively. “I can’t hear what you are saying over what you are doing.” A frivolous filing charge is an offer. Just after a judgment against him, Bill said “I accept, conditional upon proof of claim that there is some kind of money that I can pay this with.” He didn’t have to pay. His claim was put on top. “Whatever you pay your debts with” “I accept that your, conditional upon proof of claim that I pay debts/” Cops are contract enforcement officers. Send me a statement of account showing a zero balance within 10 days. If you don’t respond within 10 days to the notary named at address provided herein, the notary will be certifying your dishonor, which is an implied acceptance to my offer.” OR “I am in receipt of your letter (new offer), dated ___. I accept your offer to contract conditional upon proof of claim that the payment tendered on ___ is not sufficient to settle and close this account and discharge all debts associated with this account. Your response must rebut point for point the attached affidavit, sworn to under penalties of perjury under your unlimited commercial liability that… Any response other than an affidavit signed under penalty of perjury, rebutting point for point the affidavit attached hereto will be considered a frivolous response.” Once they don’t respond to your notary you have a claim. Merit = strict legal rights (Black’s); quality deserving reward (Webster’s). The Statue in federal court buildings of the blindfolded woman with the apothecary scales held aloft is of Themis, the Goddess of law & justice, daughter of Uranus & Gaia, holding a scale to weigh opposing claims. She is not, strictly speaking, interested in justice nor is she blind. She’s just there to establish superior claim. Deserve = have by conduct a claim to. Laches in estoppel Laches = failure to do the required thing at the proper time (ex. inexcusable delay in enforcing a claim) (Webster’s). Judges know what they’re doing. The government always does it right. If something didn’t work; you did something wrong. Find out what it is a rectify it. You’ve got to make a claim and stand on it. Don’t argue. Themis can’t see anything but the merits of the claim. Page 48 of 55 All law originates from contract or agreement, therefore law is contract and contract is law. Exclusion of one is exclusion of the other. “Once Law was sitting on the bench and Mercy knelt a-weeping. Clear out, he cried, disordered wench nor come before me creeping. Upon your knees if you appear; tis clear you have no standing here. Then Justice came. His honor cried, your status, Devil seize you. Amicus curae, she replied, friend of court so please you. Begone, he shouted, there’s the door; I never saw your face before.” The judge (creditor) hears arguments from two debtors; the game is on… Accept (conditionally) and be a creditor. Understand merit and conduct yourself accordingly. Mathew 5:25: “Agree with thine adversary quickly, whiles thou art in the way with him; lest at any time the adversary deliver thee to the judge, and the judge deliver thee to the officer, and thou be cast into prison.” Proverbs 11:15: “He that is surety for a stranger shall smart for it: and he that hateth suretiship is sure.” Sure = that which cannot be doubted. Arguers can’t be very sure. Silence Tacit acquiescence = happening without contract but by operation of law. Operation of law = the manner that rights and sometimes liabilities befall upon a person by the mere application to the particular transaction of the established rules of law without the cooperation or act of the party himself. In common parlance, going to court is synonymous with going to trial. Court = residence of a sovereign [one definition]. When you’re sending correspondence back and forth with a CFO, you’re in court. Brave New World (Aldous Huxley) forward… Theodore Roosevelt in the Jamestown Exposition (1907): “…It behooves us to remember that men can never escape being governed. Either they must govern themselves or submit to being governed by others. If from lawlessness or fickleness, from folly or self-indulgence, they refuse to govern themselves, then most assuredly, in the end, they will have to be governed from the outside. They can prevent the need of government from without only by showing they possess the power of government from within. A sovereign cannot make excuses for his failures. A sovereign must accept the responsibility for the exercise of power that inheres in him.” Counter offer = a statement by the offeree which has the legal effect of rejecting the offer. You honored them with your own (conditional acceptance and) offer. You gave them the honor of paying the bill. Claim = to demand or ask for as rightfully belonging or due to one. Conscious = Awake to one’s surroundings and identity (Webster’s). Page 49 of 55 There were 13,000,000 native Americans in the 1600s; 200 years later there were only 250,000. “Your Honor, I accept that condition on proof of claim that I do not have the paramount security interest in this property” OR “…on proof of claim that this court doesn’t operate under contract” OR “…on proof of claim that you don’t understand offers and acceptances” OR “……on proof of claim that the court operates strictly off of offers and acceptances” OR “……on proof of claim that I agreed by contract to serve 5 years in your prison.” Every step of the way, you have the opportunity to rewrite the contract. No one can ever take away your unlimited right to contract. 17 Claim by Contract Nana: freedomtrvthseminars@gmail.com for Pastor Tony King seminar information. Truth #1: I create my reality and I am personally responsible for my abundance. Truth #2: We are all connected, yet I am solely responsible for my personal actions. Creditors are not solely concerned with their own personal situation. It is a very powerful, when perfecting claims, to have an official, disinterested 3rd party witness (notary public) certify your processes and contracts. A trust is made up of three parties: grantor (trustor), trustee, beneficiary. The trustor puts something into trust; the trustee is charged with managing whatever is placed into trust for the benefit of the beneficiary; the beneficiary can compel the performance of the trustee. In every contract a trust is created. Anything with two signatures is a trust. “They” (beneficiaries) send you an offer. When you are in receipt of an offer, you become the trustee and they compel your performance in the trust. If you receive a summons or complaint and you’re named as the defendant, the plaintiff is the beneficiary and they’re charging you as the trustee to perform. If the trustee in any trust argues or fights their duties as trustee, any 3rd party, mediating between the trustee and the beneficiary, will always find in favor of the beneficiary. “We don’t care what you have to say, trustee; just do your duty.” When I hold on to an offer, I am the trustee. My performance on this offer can be compelled by the beneficiary. When I conditionally accept, which has the force and effect of a counter-offer, I have now inverted the trust and made the former beneficiary the trustee. Now I’m the beneficiary and I can compel their performance in the contract. If you’re the source or initiator of a contract, you’re the beneficiary. Be careful of any responses to your offer, even frivolous ones. Part of the terms of your contract may be that they respond in a certain way. However, if they respond in a way outside of that, they’re attempting to create another trust, whereby you’re the trustee and they’re the beneficiary. Learn how to invert your trust again. You can serve in more than one role in a trust. For instance, you can be the grantor and the beneficiary; can be the grantor and the trustee; you can be the trustee and one of the beneficiaries; however, you cannot be the trustee and the sole beneficiary. Page 50 of 55 You are the trustee of your public (cesti que) trust as well as one of the beneficiaries, the other being the public. The U.S., the State of Oregon, etc. benefit from the existence of your corporation. You can create record of contract without necessarily any demand or enforcement (liens, levies, liquidations) of anything. If you have not properly established a claim; if you have not been damaged or have no grounds for a claim, you don’t want to get into enforcement – it may have serious repercussions. First, establish a claim. AfV through a notary witness certificate of service; 10 days later a notary certificate of non-performance or non-response. A notarial protest is a certification of a dishonor. Most notaries know how to do jurats and acknowledgements; you need a notary who knows how to do presentments. A discharge is sending a liability (Ex: a check) to “pay” a debt (another liability). Set off means matching a liability with an asset, something with intrinsic value. Let’s say you did an AfV on a payoff statement for a house (not using a notary) and after 30 days they just you another statement… Put together a presentment to be sent via a notarial process to have an authenticated record. UCC 9-210, Sec. 9210 in the CA Commercial Code has a clause about a request for a statement of account. Request Regarding a Statement of Account (only valid on collateralized debt; not valid with credit cards referencing 9210): Pursuant to the Uniform Commercial Code Section 9-210, this is a record authenticated by the debtor, requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identified the transaction or relationship that is the subject of the request. Recipient has 14 days to comply with this request and provide an authenticated record. As of the date May 28, 2009, the creditor is ABC Bank National Association; The debtor is JOHN H. DOE; The account # is 0123456789; The collateral is the real property, commonly known as 111 Main Street, Eugene, Oregon 97405; County of Lane Assessor’s Parcel #123-000- 011-1. Balance Due: $0.00 [I just created my statement of account for this account.] If the CEO does not respond under penalties of perjury within 14 days stating otherwise, he agrees. Signed under penalty of perjury. When they don’t respond, this is a zero balance account and you have a record showing this. You’ve got a contract showing that the CFO agreed that the account balance is $0. Statutes and codes are contracts. If you don’t bring the statute section or code into your contract, it has no force and effect. A statement of account not referring to the code has no force and effect in the contract. Grab that section of the code and make it part of your contract – now you can enforce it. Just like when you get a summons and complaint, the opposing attorney grabs some codes to make it enforceable. The only law in a court of law is the law you bring in there. Public corporations are bound by the codes. A Presentment of Notice & Claim Under Notary Seal is a letter from the actual notary, but you prepare this letter. The notary cannot engage in the practice of law. Oregon Government Code: Any notary may perform any of their duties without the State of Oregon and without the United States. (Notaries can operate on the private side.) Page 51 of 55 An unrebutted affidavit establishes the facts and the record and becomes the contract. A 2-prong process: 1) establishing that there is a $0 balance; and 2) establishing other facts with a commercial affidavit. They will avoid the notary’s address if they have yours. Give them only the notary’s address. They are to respond only to the notary. They validate your process when they respond to the notary. If they don’t meet the terms, they’ve also validated their dishonor. Anyone who can receive something can be made a party in a contract. “There is no evidence…” is a negative averment. As creditors, we don’t want to make too many positive statements but we do want to establish the facts and the record. You keep the original of the signed Certificate of Service – it is part of your claim – they get a reference copy. You keep your original signed complaints (legal titles) as well. The Certificate of Non-Response is your claim. They’ve agreed to the contract. If they send you anything other than an acknowledgement of a $0 balance account and complete reconveyance of the deed, you now have fraud. Winston Shrout has a good Notice of Correction for Fraud which rewrites the Deed of Trust with a new trustee, beneficiary and lender. Trustor (you) stays the same. Designate someone you trust to be the trustee. The County probably won’t want to record a Notice of Correction for Fraud. You could take it to a judge for judicial review; then get it recorded. You could more easily turn the Notice into a process and get all three parties on the original trust to agree to your new Deed of Trust which is being established in the Notice of Correction for Fraud. Send a presentment through a notary to the trustee or successor trustee with a copy to the beneficiary or successor beneficiary and the lender. If the beneficiary is MERS (Mortgage Electronic Registration System), it is a non-existent company acting as an assignee of whoever the beneficiary currently is. An irrevocable trust clause does not pertain to anything that was founded or created on fraud. When none of them respond, you have standing, validating your new trust for which they are not even a party to. Your new trustee files a Substitution of Trustee at the County Recorder (which they will record). Let’s say there is a Notice of Default because you haven’t paid your mortgage in several months… Your new trustee may then file a Notice of Rescission which cancels out the Notice of Default. Then he can file a Deed of Full Reconveyance. County Recorders record these kind of things all day every day. Then you can file a new Deed of Trust which is the only security interest in regards to your property. There are new trustors, trustees, beneficiaries (you, as long as your friend is the new trustee), lenders (you), etc. and the old parties do not have any interest in your property anymore. You might do a Bill of Sale prior to the new Deed of Trust to put a $ amount on the new Deed of Trust. Winston Shrout’s Phoenix Seminar goes over this. He does a Bill of Sale for $21 in silver (substantive money, an asset) on a house. You have a claim based on real, actual money. You don’t need to do a new Page 52 of 55 Grant Deed (unless you do a new Bill of Sale) – you’re already on the Grant Deed. A Trust Deed or Warranty Deed (as it is called in some states) is not a deed; it is a security interest. Fashion a new Deed of Trust from the old one with the same irrevocable clause. Get rid of a lot of the filler, but be complete. The simpler the contract, the more concrete the contract. In your private international claim, you may include a self-executing POA in your process to the trustee, where if they don’t respond with an affidavit, they’re giving you POA to sign on their behalf to substitute them out of the trust. Be careful, but you can use this (attorney-in-fact function) in almost any process. Much of this could be done with one GSA Form 30. Credit card: Turn it into a claim – I gave you 30 days (notice of fault), 10 days (notice of default); you’re still sending me statements alleging that I still owe the money - if you do not credit the account appropriately within ten days, I am going to penalize you $20,000 ($1,000,000?) [whatever you want]. In this process you can get them to agree to liens filed on their fixtures & assets and levies on their accounts. Go to the Sec’y of State and file a lien for $1,000,000. 90 days later you can sell it to Walmart for $500,000; Walmart will collect. The IRS doesn’t have the right to just levy anyone’s accounts; they get agreement by sending a notice of lien that doesn’t get rebutted within 10 days (nor the administrative hearing that they provide is requested). If you’ve been damaged and you’ve given them every opportunity to correct, then use these procedures, privately. If a company won’t pay you what they should pay you, don’t go through the courts; perfect a commercial process against them and liquidate on them. Remember conditionally accepting. Someone with no knowledge of these processes, though savvy, went to court on a traffic ticket. he stood and said, “Yeah, I’ll pay that ticket if the cop can tell me what color my shirt was on that day.” The judge looks over to the cop and asks “what color was the shirt?” The cop starts arguing “I don’t what color his shirt was, blah, blah, blah.” Cop became the debtor; he became the creditor; judge found for the defendant. On another occasion, he was in court charged with crossing over the double yellow line. He said, “Yeah, I may have crossed over the double yellow line, but is it possible that, because I came around the corner so suddenly that I startled you that you merely presumed that I crossed over the double yellow line?” Another conditional acceptance that won. Confession and avoidance has the effect of confessing while taking away any legal ramifications of the confession. A DA investigator showed up at Brandon’s house with a promissory note in his hand that Brandon might have written at one time. The DA guy held it up and said “Is that your signature on there?” Brandon answered “Is there a defect in that instrument?” If he had said “Yes”, Brandon could have then said “Well tell me the defect is and I’ll correct it.” If he had said “No”, Brandon could have asked “Well, if there is no defect in the instrument, then why are you here?” He couldn’t identify one. “Why should I answer your question when you can’t even answer mine?” “Are you telling me that you are not even qualified to make any determinations on that negotiable instrument?” “Why are you here?” Page 53 of 55 You always have the ability to correct. Also, they never have the original instrument; they always bring copies. “How can that be my signature? – that’s a copy.” They can hold up a photo – “Is this you in this picture?” “Well, if it was mine, what are you doing with it?” “Is this your I.D.?” “Well, it says here ‘State of California’ – that must be the State of California’s I.D.” “Are you just being sarcastic?” “Well, I’ll accept that, conditional on proof of claim that that card or those words on that page are me.” Identification is making the same (as the name or the picture on their document). Know who you are and who you aren’t. Brandon Adams Living Temple Class Sessions, January - May 2009 Audio and document files: SESSION 17: Audio: http://www.megaupload.com/?d=5BW6KZFY Docs: http://www.megaupload.com/?d=5YBBHZ5S SESSION 16: Audio: http://www.megaupload.com/?d=IMYHODWB Docs: http://www.megaupload.com/?d=87DAHDHH SESSION 15: Audio: http://www.megaupload.com/?d=69IJMNVU Docs: http://www.megaupload.com/?d=O82QF6WI SESSION 14: Audio: http://www.megaupload.com/?d=NN0S3Q2E Docs: http://www.megaupload.com/?d=F1N85IE8 SESSION 13: Audio: http://www.megaupload.com/?d=DFA5G73X SESSION 12: Audio: http://www.megaupload.com/?d=MLM153K5 Docs: http://www.megaupload.com/?d=DSGVQ1SC SESSION 11: Audio: http://www.megaupload.com/?d=2R6L7OKI Docs: http://www.megaupload.com/?d=XWMUT8EC SESSION 10: Audio: http://www.megaupload.com/?d=NGSWHWNV Docs: http://www.megaupload.com/?d=ZB428H23 SESSION 9: Audio: http://www.megaupload.com/?d=1UN2UM2O Docs: http://www.megaupload.com/?d=IOKL13KV SESSION 8: Audio: http://www.megaupload.com/?d=XQQKXJHC SESSION 7: Audio: http://www.megaupload.com/?d=02NT6UIL SESSION 6: Audio: http://www.megaupload.com/?d=R68V37MM Docs: See Docs from Session 2 SESSION 5: Audio: http://www.megaupload.com/?d=E37G6X7S Docs: http://www.megaupload.com/?d=ZMO8EOQS SESSION 4: Audio: http://www.megaupload.com/?d=SPJRBIOL Docs: http://www.megaupload.com/?d=M36YN9CT SESSION 3: Audio: http://www.megaupload.com/?d=X0IY0TPF Docs: http://www.megaupload.com/?d=O8OOAHAO SESSION 2: Audio: http://www.megaupload.com/?d=KK13HXL8 Docs: http://www.megaupload.com/?d=4JO56W9J SESSION 1: Audio (Part 1): http://www.megaupload.com/?d=VPRF01DC Audio (Part 2): http://www.megaupload.com/?d=5HQHYN7G Go to your local Social Security Administration office, tell them you need a replacement Social Security card, and fill out the application for the card. Put it in your calendar to get another replacement Social Security Card every 4 months, until you’ve collected all 10 that are possible in one lifetime, and keep them. Page 54 of 55 To access the documents, join the Creditors in Commerce Google Group (http://groups.google.com/group/creditors-in-commerce) and send a private message to Ryun and tell him that you want access to the private network and he will get you access. Page 55 of 55