special guide - how to stop foreclosure and save your home

7/30/2019 Special Guide - How to Stop Foreclosure and Save Your Home

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Private&Confidential

How to Stop Foreclosure and Save Your Home

SpecialReport

PeaceofMind,LLCwww.MyDebtRelease.com

8664-Way-Outor866-492-9688

TRUST|ASSET|PROTECTION


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SpecialReport:How to Stop Foreclosure and Save Your Home

PeaceofMind,LLC Page2of36Copyright2010

WHOWEARE..............................................................................................................................................................3

OURMISSIONSTATEMENT..............................................................................................................................................3

OURHISTORY...............................................................................................................................................................3

WHYRELEASETHEMORTGAGEONYOURHOME?...............................................................................................................3

HOWBANKSCREATEMONEY..........................................................................................................................................4

WHATISALOANAGREEMENT?........................................................................................................................................4

HOWDOYOUSATISFYTHEMORTGAGE?...........................................................................................................................5

WHATCONSTITUTESFRAUDINLENDING............................................................................................................................6

IMPORTANTLEGALFACTS................................................................................................................................................6

WHOREALLYOWNSYOURMORTGAGE?...........................................................................................................................7

FEDERALLEGISLATION:TILAANDRESPA..........................................................................................................................7

RESCISSION..................................................................................................................................................................8

BANKSMUSTPRODUCETHEORIGINALNOTE......................................................................................................................9

WHATTOEXPECTWHENYOURESCINDALOAN?..............................................................................................................10

WHOCANHELPYOU?................................................................................................................................................. 11

NEGATIVEEFFECTSOFFORECLOSURE.............................................................................................................................. 11PROCESSESWEPROVIDE..............................................................................................................................................12

WHATGETSRECORDEDANDLEGALDOCUMENTSWEUSE..................................................................................................15

SCAMSANDALERTS.....................................................................................................................................................21

FREQUENTLYASKEDQUESTIONS.....................................................................................................................................22

WHYLOANMODIFICATIONISNOTINYOURFAVOR...........................................................................................................31

SERVICINGOFTHELOAN...............................................................................................................................................32

SUPPORTINGORGANIZATIONS........................................................................................................................................35

BENEFITSOFOURPROGRAM:................................................................................................................................. 35

WHENCANIBEGIN?...................................................................................................................................................36

DISCLAIMER&DISCLOSURES.........................................................................................................................................36


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WhoWeAre

At Peace of Mind LLC, we believe the following things are true...

1. Peoplewillalwaysneedtousecredit2. Theaveragedebtorisunawareofthefullextentoftheiroptionswhenfacedwithdebtcollectors

3. Debtcollectorsfrequentlytakeadvantageofthedebtorslackofknowledgeinsteadofhelpingthemtosettlethedebtfairly

Everybodys circumstances are different. Thats why we begin with a comprehensive discussionto learn exactly how we can help you pay off debt fast and repair your credit. We love to work

with good, honest, hardworking people like you who truly deserve freedom from debt.

Peace of Mind LLC is a protective entity for clients who need a leg up in debt relief. We are a

privately held company without affiliation to any government agencies, debt collection servicesor banks. We provide solutions for every individual client that will best serve them as they dealwith debt. While there are plenty of other financial institutions out there who would be willing to

give you debt advice, its best to deal with a debt specialist like Peace Of Mind LLC.

OurMissionStatement

We are a trusted and recognized resource for debt solutions, achieved by educating todays

consumers about their right to protect and preserve their assets against creditors and maintainfreedom from debt.

Peace of Mind LLC provides debt solutions including education, debt management plans, debt

reduction and elimination, and credit repair. Peace of Mind LLC helps consumers overburdenedwith debt avoid bankruptcy and get back on the path to financial security.

OurHistory

Peace of Mind, LLC was born out of the collective experience and intention of several

financial and legal experts to help educate and empower individuals to be free of debt.

WhyReleasetheMortgageonYourHome?

There isnoneed to let the banking industrytakeadvantageofyou anymore than theyalreadyhave.Thiseconomyisnotyourfault,therealestatemarketdown-turnisnotyourfault,and,moreimportantly, yourmortgageloanwaspaidinfullthedayyoutookitouttobuyyourhouse.


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Justthinkaboutitifyouareinornearforeclosure,despiteyourarrearages,yourlenderhasnotlostasinglepennyonyourpropertyoryourallegedloan.Theysolditalongtimeagoandriddedthemselvesofallliability.Iftheyforecloseonyou,they'llsimplysellitagainandmaketheirprofits.Then,aftertheyhaveyouandyourfamilyonthestreet,they'llturn

aroundandsueyouforadeficiencyjudgment.

Whetheryouwant financial freedomfrommonthlypaymentsorare looking topocketafewextradollarstomakeendsmeet,it doesnthurt tobe releasedfromyourmortgage.Buthowcanweaccomplishthis?Whatexactlydoesitmeantoreleaseyourmortgage?

Well,onemustfirstunderstandwhatmoneyisandhowmortgagesarecreated

HowBanksCreateMoney

Bankscreatemoneybydemandingdepositsorbookentriesthatreflecthowmuchlawfulmoneythebankowesitscustomers.ThebanksassetsarecashplusIOUsandpromissory

notesthattheborrowersignswhentheyborrowmoneyorwhencashislent.

Example:Ifabankhas10peopledeposit$5,000,totaling$50,000,incash(legalmoney)

andthebanksreserveis5%,thenthebankwilllend20timesthisamount,or$1,000,000

increditmoney.Whatthebankhasactuallydone,however,isloaneditscreditwiththe

purposeofcirculatingcreditasmoney.Thebankknowsifall20peoplecomeatonce

demandingtheirmoney,thebankwillcloseitsdoors.Thebankcreatestheillusionithas

lotsofmoneyorcreditsoitdoesntcauseapanic.ListentoRelatedAudioHere.

Notice:TheFederalReserveBankofChicagoinitsbookletModernMoneyMechanics,page3, states; In the United States neither paper currency [e.g. Federal Reserve Notes]nordeposits have value as commodities. Intrinsically, a dollar bill is just a piece of paper,depositsmerelybookentries.Theacceptanceof saidcurrencyismerelyaconfidencegamepredicateduponthepeople'sfaithorconfidencethatthesecurrencies/instrumentscanbeexchangedandacceptedforgoodsandservices.

Individuals have been stopped from using and have no access to 'lawful constitutionalmoney of exchange' (See U.S. Constitution Art. I X) to 'PAY DEBTS AT LAW', andpursuanttoHJR-192,canonlydischargefines,fees,debts,andjudgments'dollarfordollar'viacommercialpaperoruponIndividualsexemption.

WhatisaLoanAgreement?

The bank advertises that it loansmoney. Then it says, Sign here, but they dont signbecause theyrenot loaning theirmoney. They are just collecting anotewhichacts likemoney.Inamortgagetransaction,thebankreceivestheequityofyourhomeforfree,inexchange for an unpaid bank liability that the bank cant pay without returning themortgagenote.Thebankreceivesyourmortgagenotewithoutinvestingonecent.Thenitsellsthenoteforcashoranassetthatcanbeconvertedtocash.


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Example:Apersonwantstoborrow$100,000topurchaseaproperty,sothebankissuesa$100,000liability/note.The$100,000isalienplacedonthepropertythebankreceivedwithoutinvestment(thebankneverputupanymoney).Theallegedborrowereffectivelycreatedmoney by signing the promissory note. This note acts likemoney, so the bank

depositsyourmortgagenoteasmoneywithwhichtoissueacheck.Thischeckthenactsliketherealmoneythehomeseller/builderreceives.

TheFraud:Thebankeffectivelymadeyouadepositor,notaborrower.Yourpromisetopaygavevaluetoanotethatthebanksellstoathirdpartytorealizelegalmoney.Noactualloanwasgeneratedfromthetransaction.Onecannotrepaywhatwasneverloanedinthefirstplace!

HowDoYouSatisfytheMortgage?

Underthelaw,aprocedureforsatisfyingyourmortgageisprovided.TheprocedureisfoundinUCCArticle3Section603paragraph(b).Wegotothelenderanddowhatis

calledatender.Weputthefullamountofyournoteonthetablewithademandtheyproducethenote.Whentheyfailtoproducethenote,anoperationoflawcalled"discharge"occurs.Thisisajudicialactionresultinginanorderofdischargeas

satisfactiononthemortgage,whichgetsrecorded.Thenanewtitleiscreatedforyourhome.

PeaceofMind,LLCpartnerswithclientstoprovidethedocumentsandprocess-of-servicestepsnecessarytoaccomplishyouragenda.Wejoint-venturewithyoutostreamlinetheprocessbyprovidingyouwithinformationyouneedanddoingthedocumentsforyou.

Weknowwhatworksandwhatdoesnot.Arealexampleis,underthelaw,youmustrecord

asatisfactionofmortgageonanexistingmortgage.Eventhoughthecompanycomingafteryounowisnotthenoteholderandyoucanrunthemoff,youwillhavetocontinuerunning

themoffuntiltherealnoteholdercomesforward.

SummaryofStepsInvolved:

Sendacopyofyourmortgagestatementtoseeifyouqualify Signpartnershipagreement Formulateastrategydependingonyoursituation Prepdocumentstosendtothelender SendTILADemandLettertolender RecordConfessionofJudgment RecordFullReconveyance Putassetintotrustforprotection FileUCC1/UCC3/Bonds FileformswiththeIRS Enforceliensonlender


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WhatConstitutesFraudinLending

Aphoto-copyimageonpaperisNOTthesamethingimagedbythecopy.ApictureofababyIS NOT THEBABY!A copy of your signature IS NOT YOUR SIGNATURE!Have you evertriedto cash a copy of a money order? Make a scene, insist on cashing the copy, andexperiencetheunpleasantconsequencesofyourclaim!

TheONLYwaytoprovetheexistenceoftheREALandEXISTINGmoneyorderistoproducetheactualmoneyorder!TheONLYwaytoprovetheexistenceoftheREAL,breathing,livingbaby is to produce the baby!The ONLY way to prove the existence of the REAL $100Federal Reserve note is toproduce the actual Federal Reserve note if you are inactualpossessionandhaveclaimtotheORIGINALFederalReservenote!

Thecourtsroutinelynullifywooden-headed"laws"passedbyCongress.AtPeaceofMind,LLCwehave the power tototally stop"their" scaretacticsbydemanding to inspect theORIGINALnoteandmortgage.InspectionoftheORIGINALnoteandmortgageisNOTan

unreasonable demand. A COPY is a COUNTERFEIT, FORGED, PHOTO-SHOPPED andFRAUDULENTimagedesignedtoDECEIVE!ALLlawisbaseduponCASELAWDECISIONmade by the COURTS. The U.S. Code is NOT the LAW. The LAW is recorded in theSTATUTES AT LARGE and this is the same for all States. The codes are "prima facie"evidenceofthelaws.Thus,aCOPYofasecurityisaFRAUD!

ImportantLegalFacts

The Uniform Commercial Code (UCC), first published in 1952, is one of a number ofuniformactsthathavebeenpromulgatedinconjunctionwitheffortstoharmonizethelawofsalesandothercommercialtransactionsinall50states..TheUCCprovidesauniform

law designedtosimplifyandmodernize the consumercredit and usury laws, to furtherconsumer understanding of the terms of credit transactions and to protect consumersagainstunfairpractices.

Any transaction todischargeadebt liability is inaccordanceandcompliancewith

UCC3-104;TitleIV,Sec401(FRA);USCTitle12;USCTitle28,1631,3002;andthe

ForeignSovereignImmunityActundernecessity.

EverythingsinceJune1933operatesincommerce.Whyisthisimportant?TheCongressofthe United States did legislate and provide the American people a remedy/means todischargealldebtsdollarfordollarviaHJR192duetothedeclaredBankruptcyoftheCorporate United States via the abolishment of constitutional coin and currency under

Executive Order declared by president Franklin Roosevelt. HJR-192 superseded PublicLaw,replacingitwithpublicpolicy.ThiseliminatedourabilitytoPAYourdebts,allowingonlyfortheirDISCHARGE.

There are numerous references to Case Law, Legislative History, State and FederalStatutes/Codes,FederalReserveBankPublications,SupremeCourtdecisions,theUniformCommercialCode,U.S.Constitution,StateConstitutions,andgeneralrecognizedmaximsofLawwhichestablish:


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That,thelawfulcoin(i.e.organicmediumofexchange)andtheformerabilitytoPAYdebtshasbeenreplacedwithfiat,papercurrency,withthelimitedcapacitytoonlyDISCHARGEdebts.

That, the United States Congress did legislate and provide the American people aremedy/means to discharge all debts dollar for dollar via HJR 192 due to thedeclared Bankruptcy of the Corporate United States via the abolishment ofconstitutionalcoinandcurrency.

The Bottom Line toRelease YourMortgage: TheBank is NOT theCreditor, you are!Withoutbeingthecreditor,thebankhasnorightsandcannotdoanythingexceptcomplywithyourdemands.Yourjobistoputtheburdenonthebanktoprovetheyare,indeed,theCreditorsandholdanactualnotetoyourproperty.

WhoReallyOwnsYourMortgage?

Haveyouevertriedwalkingintoabankandaskingforaloantopayyourrent?Youknowwhattheanswerwillbe.So,whyisitthatthebankwilllendusvastamountsofmoneytotakeoutamortgageandtakeonexpensesthatwillbemuchhigherthanrentforthesameplace?Becauseitisprofitableforthemtoputpeopleindebt.

Withallthescandaloutthere,itsclearthatbanksaretakingadvantageofpeople.Banksarecreatingfalseandmisleadingcontractseverydayandcollectinginterestpaymentsintheprocess,too.Banksdotheirbesttohidethefactthattheynevercreatedlegalmoneyforyou to purchase your home. A controversy of allegedly shoddy paperwork has raiseddoubts about the legitimacy of foreclosures nationwide, eliciting complaints fromhomeownersandinvestorsalike.TheCongressionalOversightPanel,abailoutwatchdog,

releasedastatementaccordingtotheHuffingtonPostthatsaysthescandaloverallegedrobo-signers, foreclosure processors who approve documents without reading them,mayhaveconcealedmuchdeeperproblemsinthemortgageindustry.

FederalLegislation:TILAandRESPA

The homeowner is always confrontedwith the difficult task of researching informationaboutwhattoexpectinthecomingmonths.Thisresearchincludesanumberofdifferentsubjectscoveringsuchissuesastheforeclosureprocess,loanmodification, legalstatutes,andcurrenttrends.

AtPeaceofMind,LLC,wehaveaprocesswhichalsocoversforensicloanauditsand

TILAandRESPA.

TILA and RESPA are the two main pieces of federal legislation which govern certainprocessesregardinglending,andespeciallysointhemortgagelendingarena.TILAstandsfortheTruthInLendingAct,andRESPAstandsfortheRealEstateSettlementProceduresAct.Thesearespecificlegislativeactsdesignedtoprotecttheborrower.


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TILAisthemaineffortofCongresstoensurefairlendingandtoprotecttheborrower.Itspurposeistopromotetheinformeduseofconsumercredit,thecostsofborrowingmoney,the termsofthe loan,andothermuchneeded information. Itrequires providing certaindisclosuresofrelevantinformationforeachtransactionthatisconsidered,anditprovides

thelegalremediesforeachviolationoftheAct.

RESPAisanothereffortofCongresstoregulatelending.RESPAisdesignedtoprotecttheborrower by ensuring (1) fair settlement proceedings through early disclosure ofsettlementcosts,(2)thepreventionof kickbacksandillegalreferralfeesthatincreaseborrowing costs to the consumer, and (3) the prohibition of certain acts that increaseborrowingcosts.

Thereismuchmoredetailtotheseacts,butthefocusshouldprimarilybeonTILAbecausemostforeclosuredefenseswillbebaseduponTILAviolations.TILAisatechnicalstatute.ThissimplymeansthatanymaterialviolationcaninvoketheremediesasprovidedforintheAct.Thematerialviolationsthatmostfrequentlyinvokepotentialremediesare:

APR FinanceCharge AmountFinanced TotalPayments PaymentSchedule RighttoCancelViolationsCommonRemediesforviolationsofTILAare:

Attorneysfeesandcourtcostsforsuccessfulenforcementandrescissionactions Statutorydamages,aminimumof$200butnomorethan$2,000 Actualdamages Doublethecorrectlycalculatedfinancecharge(butnotlessthan$100ormorethan

$1,000forindividualactions) Rescission,themostvaluableremedy

Rescission

Rescissionistheprocessoflegallycancelingaloan.Ifaviolationofmaterialdisclosuresissevere enough, and the threshold for severity is quite low, then the borrower has theopportunitytorescindorcanceltheloan.

Intherescissionprocess,theborrowerfindsviolationsoftheTILAthatofferrescissionasaremedy.Theborrowernotifiesthelenderofrescissionbyletter.Thesecurityinterest(theNoteandDeedofTrust)automaticallybecomesvoid,and the lenderhas20dayswithinwhich to take any and all actions necessary to reflect the termination of the securityinterest.Thelenderisobligatedtoreturnanymoneyorpropertygivenasearnestmoney


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ordownpaymentwithinthose20days.Theborrowerisnotliableforanyfinanceorothercharges and is entitled to recover all fees incurred in the transaction. The borrower isobligatedtoreturntothelenderanymoneyorpropertytheborrowerreceivedaspartofthecredittransactionwithin20days,astheirpartoftherescission.

Ifthelenderdoesnottakepossessionofthepropertyormoneywithin20days,thenthepropertyisretainedbytheborrowerandisheld.Atthisstage,youarelegallyentitledbythe lendersagreement toget yourhome freeand clear. Ofcourse,theprocessdoesnotstopthere;atPeaceofMind,LLC,wewillcompletetheprocessandincludesuchstepsasnotifyingtheInternalRevenueServiceandothergovernmentagenciesofthetransaction.

Somepointstoconsider :Sincehomesareunderwaterandtheborrowersowemorethanthehomeisworth,theycannottenderbacktothelenderthemoneythatwasborrowed,sorescissionisnotaneffectivecourseofaction.Courtshavetheabilitytochangetheorderinwhichrescissionistendered,meaningthattheborrowermustshowtheabilitytomakeavalidtenderbefore the securityinterest inthe loanis cancelled.Noability totendertheamountduemeansthatthereisnovalidrescission.Inotherwords,rescissiondoesnotdowhat the homeowner probably wants the most to remove any financial obligationconnectedtothehouse(asbeforetheypurchasedit)sincethelenderisonlyobligatedtotakebacktheoriginalmoneylent,minusfees,andtearupthecontract.

ThisiswherePeaceofMind,LLCcanmakethedifference.Wehavetheresourcesin

funding,cash,bondsand/orothersecurityinstrumentstoprovidethelegaltender

and/oroffsetthedebt.

OnelittleknownfactisthatthereareMULTIPLEinsurancepoliciesineffectforsecuritizedloans, with many of the beneficiaries of said policies having nothing to do with the

transaction.These policiesarenotdissimilar to anautomobile liability insurance policy.Whenacaraccidenttakesplaceaninsurancesettlementispaidoutinaccordancewiththetermsofthecoverageofthepolicytothebeneficiariesofthepolicy.Nocaraccident=nopayout of settlement. Conversely, NO FORECLOSURE AUCTION = NO SETTLEMENTPAYOUT.

Themultiplepoliciesineffectoftenpayout7-10timestheoriginalvalueofthemortgagenote!ManybelievethatthesepoliciesaretheonlythingproppinguptheU.S.economyatthistime.Thebeneficiariesofthesepoliciesoftenincludemunicipalitiesandpensionfundsheld by judges, states, and counties that explainwhy many fraudulent foreclosures areallowedtocontinue.Thisisespeciallyappropriateforhomeownerswhohavealreadylost

theirhome!PeaceofMind,LLCmaybeabletogetyourhomebackorthreetimesthemortgage/noteevenafterforeclosure.

BanksMustProducetheOriginalNote

PromissorynoteshavetobeanegotiableinstrumentunderUCCArticle3toallowforthirdpartynegotiation.BankshavebeenusingtheElectronicSignaturesinGlobalandNationalCommerce Act (ESIGN) and the Uniform Electronic Transactions Act (UETA) laws to


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convertpromissorynotesintoaneNoteorcreateeNotesinelectronicbookentryformsotheycanbeslicedanddicedinthesecuritiesmarketandFannieandFreddie.

Whenpromissorynotesareconvertedfrompapertoelectronic,inmanycasesthepaperpromissorynotewasdestroyed.Intentionalvoluntaryactsuchasdestructionisdischargeofthedebtobligation,UCCArticle3,3-604.EverybodyislookingatthesliceanddiceastheproblemwheninrealitytheproblemisthateNoteshavenolawtosupporttheirexistenceforuseinthesecuritiesmarketasESIGNandUETAbothexcludeitemsgovernedbyUCCArticle3-NegotiableInstruments.Banks,inanattempttomakesuretheirfraudremainsconcealed,providetheirlawfirmswithacopyof thenoteand insomecasesa lostnoteaffidavit.Thenthebankslawfirmsuseslicker-trickerywordingtodeceiveeverybodyintobelievingthatacopyissufficientproofandthedestructionofthenoteremainshidden.Thepresentation of the original note with all assignments is the only proof that should beallowed.

CommerceandTrade15USCSec.77nnn(excerpt)

Theterm"indenture"meansanymortgage,deedoftrust,trustorotherindenture,orsimilarinstrumentoragreement(includinganysupplementoramendmenttoanyof

theforegoing),underwhichsecuritiesareoutstandingoraretobeissued,whetherornotanyproperty,realorpersonal,is,oristobe,pledged,mortgaged,assigned,or

conveyedthereunder.

Evidenceofrecordingofindenture-Iftheindenturetobequalifiedisoristobesecuredby the mortgage or pledge of property, the obligor upon the indenture securities shallfurnish to the indenture trustee - (1) promptly after the execution and delivery of theindenture,anopinionofcounsel(whomaybeofcounselforsuchobligor)eitherstating

thatintheopinionofsuchcounseltheindenturehasbeenproperlyrecordedandfiledsoastomakeeffectivethelienintendedtobecreatedthereby,andrecitingthedetailsofsuchaction,orstatingthatintheopinionofsuchcounselnosuchactionisnecessarytomakesuch lien effective; and (2) at least annually after the execution and delivery of theindenture,anopinionofcounsel(whomaybeofcounselforsuchobligor)eitherstatingthat in the opinion of such counsel such action has been taken with respect to therecording,filing,re-recording,andre-filingoftheindentureasisnecessarytomaintainthelienofsuchindenture,andrecitingthedetailsofsuchaction,orstatingthatintheopinionofsuchcounselnosuchactionisnecessarytomaintainsuchlien.

Note: In instances of court cases, it may be helpful that the loan audit be part of our

evidenceoffraud.

WhattoExpectWhenYouRescindaLoan?

Whenyougotorescindaloan,youneedtobeawareofwhatwillactuallyhappen.Ourteamhas handledhundredsofaudits andworkedwith lawyers and otherprofessionalswhodo loanrescissions. Ifyouwould like tobe empowered andbenefit frompowerful,privyinformation,youmustknowyourrights.


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Othersituationsandscenarioswecanhelpyouwithwhenwereleaseyourmortgage:

Inordertostopaforeclosure,wecouldfilealawsuitagainstthelender,andpriortothePreliminaryJunctionHearing,ifthereisoneFederalChargeallegedinthecomplaint,thelenderwillusuallyhavethelawsuitremandedtoFederalCourtandawayfromStateCourt.ItshouldalsobenotedthatTILAandRESPAlawsuitshavebeenregularlyfiledsincethemid1990s.Thewaytotakeonthelendersistousedifferentplansofattack,usingstatutesotherthanTILAandRESPA.FederalPreemptioncanbefought.Inmoststates,thestatutesexist to counter Federal Preemption claims. These statutes are versions of the FederalTradeCommissionAct,Section5,whichidentifiesUnfairandDeceptiveActsandPractices(UDAP).Keepinmindeverysituationcanbedifferentandstrategiesvarywitheachclient.

WhoCanHelpYou?

PeaceofMind,LLChashelpednumeroushomeownersexercisetheirrightstoreclaimtheir

property.Weareexperiencedatwhatwedo,andwe'vepaidthepricetolearnhowtodoitrightandknowwhatittakestogetthejobdonethewayitneedstobetoaccomplishyourgoal.Wehaveateamofprofessionalsthathavetheexperiencetosuccessfullycompleteamortgagerelease. Sincewehaveavested interestinyoursuccess,we treatthehouseasone of our own. And this is the key difference between a service provider and a jointventurepartner.

Thefactsarehard.Youarefightingforyourhome.Ifyoulose,whichisunacceptable,youare out of your place to live. We believe this is too harsh a penalty. The opposition'sargumentisthatyouboughtsomethingwhichyoucannolongerpayforandmaintain.Youstoppedmakingthepaymentsyoupromisedthem.Ofcoursetheylikewisefailedtotellyou

thatwhattheyweresellingyouwouldloseover50%ofitsvalueovernightandleaveyouupsidedowninyourpayments.Theyalsoforgottotellyou,andtheCountyandtheState,that they transferred the security interest in the property to other parties. By notrecording,theydeprivedthestateandcountyoffeesandtaxes.

NegativeEffectsofForeclosure

Foreclosuremeansmore thanjust losingahome.Itwillhaunta person foryears.Otherproblemsthatmayresultfromforeclosureinclude:

Lawsuits-Themortgagecompanycangoafteryoufordamages. Lossofemployment- Someemployersrequiretheiremployeestomaintaingood

credithistories.Notificationofaforeclosuremaybegroundsfordismissalorlossofachanceforadvancementandbetterpay.

Lossofequityearnedinyourhome- Thevalueofyourhomemayincreaseeachyear.Inmanycasesthecombinationoftheequityandtheincreasedvalueofyourhomecantranslateintolosingthousandsofdollars.

Inabilitytoborrowmoneyinthefuture-Aforeclosurecandestroyyourcreditprofilealmostovernight.Thisderogatorymarkonyourcreditreportwilllabelyouasabadcreditriskforatleast7years.Thiscanresultindeclinedapplicationsfor


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credit,the inabilitytorentanapartment,limitedemploymentopportunities,andahostofotherimplicationsthatcanfollowyouforalongtime.

Increased taxes -A lenderwho losesmoneyfrom the sale ofa foreclosedhomemustreportthelosstotheIRS.Subsequently,theIRSmayrequireyoutoreportthe

lender's loss as income onyournext tax return and youmayberequired topaytaxesonit.

Loss of self-esteem and self-worth Emotionally, the stress of foreclosurecanhaveseriouseffectsonyourwell-being.Thestressthatforeclosurebringscanleadtodepression,feelingsofworthlessness,lackofmotivation,embarrassmentaroundfamilyandfriends,andthelistgoeson.

AbilitytoRent Divorce DeficiencyJudgment-Thisisthedifferenceonwhatwasowedandwhatthehouse

sold for and the lenderswill come back to file a judgment for that amount as ajudgmentdebt.

Stress and bad health -People who worry about their house problemscausethemselvesserious health issues which can run hundreds to thousands ofdollarsinmedicalbills.

Shortsale-Ashortsaleinvolvesofferingthehomeforsale,generallylistedthroughMLS.Potentialhomebuyerswillmakeappointmentstoviewthehome,somewillmake lowballoffers,agentsmightholdopenhouses and, ingeneral, aseller's lifewillbedisrupted,allinthehopesthatabuyerwillbuythehome.MoreonShortSalesandLoanModificationslaterinthisreport.

Moreimportantlyiswherethebreakinchainoftitleoccurs.YourfirstknowledgeofthisbreakcomeswhenyoureceiveaNOTICEOFDEFAULTANDELECTIONTOSELLfromsome

servicingcompany,whoproceedstoforecloseandsellyourpropertyatatrustee'ssale.

Nowhereprioristhereanyrecordedrecordtransferringyournotetothem.Withoutthenote,being inphysicalpossession - actual ownership - they are not lawfullyallowed toforecloseorsellyourproperty.Yoursilenceandinability toproperlychallengethemonthisallowsthemtogetawaywithitunlessyouhavetherightknowledge,resourcesandteamofprofessionalshelpingyoupreserveyourrightsandyourassets-likePeaceofMind,LLC.

ProcessesWeProvide

AdministrativeProcess/NotaryPresentment

Weprovide an administrativeprocess via notary presentmentby a duly commissionednotary public. We present the evidence discovered along with specific questions andallegationstogivetheotherpartiesinvolvedtheopportunitytorespondtodueprocess.The parties are given a specific number of days to respond, and, when they dont, thenotary as a duly commissioned witness of the state provides a notice of default andopportunitytocure.Whenthepartiesfailtocure,thenotary,asthesecondwitnessinthe


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matter,certifiesthenon-responseonbehalfofthestateprovidingsomeremedytocreateaset-offagainstthem,atwhichpointasettlementwouldnowbeavailableasanoptionforthehomeownertopursueintheeventthatthepartiesunlawfullyforeclosed.

Bygettingthepartiesinvolvedintoadefaultposition,thereisnowmorethanjustaone-sidedargumentwheretheinvolvedpartiessay,Youowethisamount,payitotherwiseweare taking yourhouse; instead, itgives the homeowner an opportunity topursue theirclaiminaset-offofthebanksclaim.Sonowthereisanopportunitytocometogetherandfigureoutwhooweswhowhat,orwhetherornottheinvolvedpartiesshouldgoawayandthehomeownerkeepstheirhouseandwecalliteven.

WeCorrectthePublicRecord/FileUCC:

Withpublicinstrumentsthatweareprivyto,weassistinfilingonbehalfofhomeowners;wecorrect inaccuracies onthepublic record and rebutthepresumptions thatare beingmadebytheotherpartieswiththeirdocumentsthatarecurrentlyonthepublicrecord.In

addition,weassistthehomeownerwithprotectingthevestedinterestthattheyhaveinthereal estate consisting of closing costs, down payment, taxes, insurance, repairs,renovationsandanyimprovementswithacommercialfixturelien.

WeProvideaForensicLoanInvestigation:

TILA/Disclosure/AppraisalAudit: Ifnecessary, anextensive investigationin to the truthregardingahomeownersloandocumentscandeterminewhetherornottheloanshouldhavebeenapproved inthe firstplace.In addition,wefindoutwhetherornot numberswere inflated, figures weremanipulated or other improper processes took place in theappraisalandotherdocuments.Thisisonlyapartiallistofcriteriathatwescrutinizeforin

eachsituation.Wediscoverthetruthofthematterandestablishitasevidencethroughacertifiedwitnessofthestate.MortgageElectronicRegistrationSystems(MERS):

In order to prevent foreclosure, it is strongly recommended homeowners takeactionbyinvestigatingthe potential fraudpracticed by the banks. Fightingback againstthebankcansteerahomeownerintherightdirectionwithregardstoprotectingtheirwell-being. A loan examinationcan unveil ifMERSDeedsofTrustare valid. In actuality,ALLMERSDeedsofTrust/MortgagesareVOID!TheFACTSregardingMERS:

1. MERSisnotalender,creditororbank2. MERShasnoagencystatusasanominee3. MERSdoesnotlendorextendcredit4. MERSdoesnotservicemortgageaccounts5. MERSdoesnotholdPromissoryNotesinpossession6. MERShasNEVERownedorreceivedANYbeneficialinterestinANYMortgageEVER!


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The customized form of Mortgage / Deed of Trust utilized by Mortgage ElectronicRegistrations Systems Inc., (MERS), is not entitled to any of the statutory mortgageeprotectionsprovidedintheprovisionsofFederalandStateLaw.

ANomineeMortgageeissimplynotentitledtothestatutorybenefits.TheprovisionsarestrictlyconstruedagainstMERSputativeconveyancesincethestatutoryprovisionsarein derogation of common law. For example, MERS mortgagee deeds have two entitiesexercisingthesamestatutoryforeclosurepowers.Lawonlyprotectstheactualholdersofthemortgagedeedortheirstatutoryassigns,notnomineeswhichonlyhavearolewithstocksandbonds.MERSargues,inafutileexerciseofnominalism,thatsplittingthetermmortgageefromthelenderhasabenefittoitself.MERSmortgagedeedsaredefectivebecausethestatutoryprotectionsruntofunctionalpowersoftheholdersofthemortgageandofthemortgagenotes,nottoself-definednominees.

Nominees are not eligible to hold future interests in property without statutoryassignments.Onlystatutoryassigneescanexercisethefunctionalabilitiesnecessarytogaincontrolofthefive(5)statutoryelementsrequiredtoprovideacleantitleattheendoftheprocess.Statutoryprotectionsruntotheholdersofthemortgages,nottheirnominees.

WhenMERSdoesnothaveanactualseparatewrittenandrecordedconveyancefromtheactualholderofthemortgagetoitselfpriortoMERSmakingaconveyance,theconveyanceisvoid.

MERS by its own description in paragraph C is not contractually able to perform thestatutory functions of the holder of the mortgage. Mortgage Electronic RegistrationSystems Incorporated, as a putative nominee, selected by the Mortgagor, usually lacks

actual recorded authority from the Holder of theMortgage by way of a recorded or arecordedpowerofanattorney.MortgageElectronicRegistrationSystemsIncorporatedcannot by its own definition be a holder of the mortgage deed. Mortgage ElectronicRegistrationSystems Incorporateddidnotownorpossessorcontrol themortgagenotewhichwasnecessarytoenforcethemortgagedeedasrequiredbyUCC-3-301.

Pursuant toRule 9, Section1(b)of the RulesofMembership,MERS has"noownershiprightswhatsoeverinortoanyinformationcontainedontheMERSSystem.Itisourposition that theinformation contained on the MERSSystem is the private,proprietarypropertyofourMembers,andthattheinformationshouldbeproduced,if

atall,bytheMemberwhoownstheinformation.Thisapproachprotectstheprivacy

of the information, and allows our Members to control how and when it isdistributed.

Thesefactsarebecomingdifficulttodispute,fromaJudge'sperspectivegiventherecentSupremeCourtdecisions.

MERSv.SouthwestHomesofArkansas Landmarkv.Kesler Riggsv.Aurora(Fl.4DCA,CaseNo.4D08-4635,decided4/21/2010


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Jermanv.Carlisle Bellistriv.Ocwen Dist.Ct.CaseNo.2:09-CV-00661-KJD-LRL Bankr.Ct.CaseNo.BK-S-07-16645-LBR InRe:WellsBankruptcyOhNdDecision22Jun2009 USBANKv.Ibanez

Just becauseMERS claims its ability to misuse theword nominee in anyway that isbeneficial,doesnotCHANGE200yearsofpropertylaw.

Acontinuingthemedemonstratesthetitledefect,thequestionableconductofpretenderlenders,andthedefectsintheforeclosureprocesswhenyouletcompanieswithbigbrandnamesbluffthesystem.ThefatalMERSGAPariseswhetherMERSisactuallythenomineeonthedeedoftrust(ormortgagedeed)ornot.Itisanannouncementthattherewillbeoffrecordtransactionsbetweenpartieswhohavenointerestintheloanbutwhowillassert

suchaninterestoncetheyhavesuccessfullyfabricateddocuments,hadsomeonewithoutauthoritysignthemonbehalfofanentitywithnorealbeneficialinterestorothereconomicinterestintheloan,andthenfrequentlynotarizedbysomeoneinanotherstate.Wehaveeven seen documents notarized in blank and forged signatures of borrowers on loanclosingpapers.

Anyone who pays theMERS membership fee can sign on behalf of MERS to assign orotherwiseconductforeclosureactivities.MERSisaSHAM.Everyoneknowsitandthereisnofactualbasis tosupporttheir assertions torights toforeclose. Onewordsums itup:FRAUD.

WhatGetsRecordedandLegalDocumentsWeUse

UniformCommercialCodeFinancingStatement:

UCC-1standsforUniformCommercialCodeForm1.Itisafinancingstatement,notanagreement.Itisjustnoticetothepublicthatonepersonclaimsthatithasaninterestinsomeoneelse'sproperty,usuallyascollateralforadebt.Itisnormallyfiledintheofficeofthe Secretary ofState inthe statewherethe debtor/borrower is located. Inmost cases,locatedmeansthestateofincorporationforcorporations,thestateofcreationforlimitedliabilitycompaniesandotherentities,andthestateofresidenceforindividuals.

The UCC-1may beused tonotice a lien created byasecurityagreementofa loan for ahome, car, etc. The importance of the UCC-1 to the secured party and otherlenders/creditors is the first in time, first in line priority. A UCC-1 notifies others ofoutstanding debt such as security agreement, summary judgment lien, commercial ormaritime lien and so forth. Collateral items may be listed directly. Property, both realandpersonalproperty,canbeinvolved.Allofthisisfortheprotectionofthesecuredpartyandallowotherpossiblelenders/creditors tobeawareofoutstanding, unpaiddebtthatwouldstandinlineforcollectionofanynewdebt.


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WhyDoWeFileaCommercialLienAgainsttheLender,ItsAssets,andEmployees?

Wedoitforleverage.Whenthebanksassetsandemployeesaretiedup,itgivesPeaceofMind,LLCtheultimatenegotiatingpower.BecausethelienisaUCC-1commerciallien,itmoves into firstpositionagainst any existing liens. The bankdecisionmakers have tonegotiateinordertohavetheliensremoved.

NotaryBillofLading:

Anotarybilloflading isa chattelcargomanifestwhichoutlinesthedocuments thatareincludedinthefiling.Itlaysoutthevalueofthedocumentsequaltothevalueofthefirstpromissory note. It states that we are giving them 10 days to respond, otherwise thedocumentswillbeconsideredaccepted,whichmeanstheywilloweusthatmoney.

NotaryCertificateofService:

Thisdocumentverifiesthatournotarywillbemailingthesedocumentsandcertifyingtothateffectwiththeirnotarystampandsealonthispage.

CommercialAffidavit:

All of the instruments are signed by our client in their capacity with a title asgrantor/beneficiary as, trustor, settlor, issuer and maker. Grantor/beneficiary andtrustor/settlor are in regard to the Deed ofTrustwhich is the security instrumentandissuermaker isreferring tothe promissorynote that the grantororiginally issued uponwhichtheywerethemaker.Thisdocumentsimplyclarifiesfortherecordallofthesetitlesare the sameasthegrantorsonobodyisconfusedaboutwhomthegrantorisandwhattheyaredoingwiththisfiling.Itlaysoutthedetailsthatthegrantorwasthesourceofthe

fundsanditwasthegrantorssignaturethatcreatedthevalueinthosedocumentsinthefirstplace.Italsoclarifieswhichpropertyitisthatweareidentifying.

ModifiedDeedofTrustRider:

Thisisanamendmentandriderrecordedwiththedeedoftrustanditis nuncprotuncwhichmeansthesechangesthatthegrantorismakinginthismodificationgobacktotheoriginaldatejustasiftheyhadoriginallydoneitthisway.

TheModifiedDeedofTrustRider:

1. Terminatesoldparties:Itpointsoutthatwearelabelingtheterminationofpartieslisted,andbythegrantorsordertheyareterminatingalloftheotherdebtorpartieswhoweretheoriginalpartiesontheoriginaldeedoftrustandcorrectingthepublicrecordastothisfact.

2. Labelsthenewparties:WearelabelingthenewpartiestothedeedoftrustwiththeALLCAPSorlegalfictionnameofLender.ThebeneficiaryisgoingtobetheTrustthatweassistinformingforthehomeowneranditlabelsthenewtrusteeasPeaceofMind,LLCandgoesintoterminationdetails,statingallthetermsofthepreviousdeedoftrustareherebyterminated.


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3. Identifiesnewterms:Thenewtermsarethatthebalanceoftheloaniszeroandthatthedutyofthenewtrusteeistofaithfullyfollowtheinstructionofthetrustor,whichisthegrantor.Itstatesthatcompensationwillbebymutualagreement(itmeansifgrantortellsuswhattodowewilldoitforthemandwecantdoanythingelseother

thanthat).

AdditionalItemsWeFile:

Deed of Trust: The amended deed of trust, the assignment, any appointments and anytrusteesalenotice,ifapplicable,whichwemarkvoidedforfraud.

IRSForm4490:AproofofclaimsoiftheIRSisclaimingtheyareowedanamountfromthelegalfictionname,anagentmustsweartothisandhavetheirsignaturenotarized.

IRSW9Form:Givesustheopportunitytoidentifyapartybyeithersocialsecuritynumber,tax payeroremployer identificationnumber soweknowwhoweare dealingwith,and

whethertheyareanindividual,corporationorotherentity.Itissimplyawayofaskingforproofofidentification.

IRS 1099A Form: Provides another opportunity for parties to certify under penalty ofperjurythattheyhaveexaminedthisreturnandtheaccompanyingdocumentsandwhattheyaresayingistrueandsignedonthedottedlinetothateffect.

We have asked the grantor to sign all the documents with a notary certificate andacknowledgement that what the grantor is saying is true, under their full commercialliability,andunderpenaltyofperjury.Sonowallwearedoingisaskingthedebtorpartiestodothesame.Theselast3documentsarerecordedblanksoeverybodyknowswhattheywereprovidedandtheopportunitytheywereprovidedtosubstantiatetheirclaims.

QualifiedWrittenRequest:

Thisdocumentisaprivatedocumentandissenttotheoriginator,MERS,ifapplicable,andtheloanservicer.AQWRismadepursuanttotheRealEstateSettlementProceduresAct(12U.S.C.2601-2617)otherwiseknownasRESPAanditsimplementingregulationX(24C.F.R.3500.21)andisanimportantcommunicationtoolbywhichtheconsumercanputtheserviceronnoticethatthereisaproblemifthereisanerrorinthemortgageaccount.TherearespecificguidelinesastohowaQWRneedstobewrittenandfiledandwhat itcontains:therequestmustbeinwriting,identifytheborrowerbynameandaccount,andinclude a statement of reasonswhy the borrower believes the account is in error. The

servicermustacknowledgereceiptoftherequestwithin20days.

Wearerequestinganaccountingofeverything.Weareaskingforittobecertifiedunderoath.Theservicerthenhasupto60daysfromthedateofrequesttotakeactiontoeitherprovide a written notification that the error has been corrected, or provide a writtenexplanationastowhytheservicerbelievestheaccountiscorrect.Eitherway,theservicerhastoprovidethenameandtelephonenumberofapersonwithwhomtheborrowercan


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discussthematter.Theservicercannotprovideinformationtoanycreditagencyregardinganyoverduepaymentduringthe60dayperiod.

Thereisa long listofwhatweareaskingfor;between40and211questionsareasked!Weremakingtheclaimthatiftheydontrebutthisrequestandits individualobligations,thentheyareagreeingitastruthandadmittingtheydonotownthenoteanddeedoftrustasthetrueholderinduecourse,sotheyhavenorighttoitsenforcement.Weresayingthattheyremerely a service provider, servicer or debt collectorwith no rights. Were alsostating that the grantor as maker/issuer deposited a promissory note, a negotiableinstrumentwiththeoriginatinglender,whichistrue.WequoteModernMoneyMechanicswhich is published by the federal reserve bank of Chicago that states in part that anydepositreceivedisnewmoneyandthatessentiallythenegotiableinstrumentwhensignedhadtheeffectofcreatingmoney.Ithadvalueanditwasmoney,itwasconsideredmoneywhendepositedwiththebankandthegrantorwasnevergivencreditforthatdeposit.Wethenmaketherequestthattheystillowethegrantorthevalueofthatdepositamount.

AdministrativeProcess:

WhilewearesendingtheQWR,wearealsopursuingthefirststepoftheadministrativeprocess, which certifies via notary presentment that if the alleged beneficiary has aproblemwithanyofthis,theycanrespondtothenotarypublicsothenotarycancertifythat response, or when they dont respond, that no response was made and by notresponding,thattheyareadmittingtoitstruth.

Afterthespecificamountoftimenoted,thenotarythencertifiestherewasnoresponse,thattheydefaulted,andthattheyfailedtocurethesituationandthereforeitiscertifiedthat theyowe the grantor themoneythatwas claimed.Atthatpoint,weare taking the

claimwiththesupportingdocumentthatwehavecertifiedbythenotarypublic,whoisanofficerofthestateandthecourt,andwearefilinganadditionalUCC-1financingstatementfortheamountclaimed.

BankObligationofInstrumentTender

Whenacommercialbanksends the instrumenttothesecretary fordischargeofitsownobligations and a problem arises concerning the instrument, a commercial response isrequired.There is a legal liability of the government to a negotiable legal tenderobligation upon the United States government sent to them for acceptance by a

memberoftheFederalReserveBankaftertheyreceiveditandbecameresponsible

forit.

TheTreasuryhasanobligationasadepartmentofgovernmentservingthepublicinterestto the bank which as amember of the Federal Reserve System that has a commercialobligationtoanaccountholderanda3 rdpartywhotenderedtheiteminpaymenttotellthemthatitsnotanygoodoritsnotgoingtobehonored,eveniftheywantedtokeepitforprosecutionor investigation.Thisis ineffectwhatthedirectivesaysthegovernmentwilldoifitsnogood.


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Whatdoesstatutorylaw,regulation,orcaselawtellsusaboutwhatthatobligation

is?Theydonotdishonoritinanywaybyreturnoftheitemorthesendingofanynoticetothat effect, or make request for additional information or time for examination of theinstrument,orgivenastatementofexplanationindicatingthetimeframeforitsreviewand

settlement if it would be an inordinately lengthy time as longer than 60 days to finishit.Theinstrumentsbeingkept,held,andwithoutreturnordishonor,areacceptedasanobligationoftheUnitedStatesinthedischargeandrecoveryofthepublicdebtasitmakesclaimonitsfacetobe.

Ifthebankhadhadtopaytheitemtohonoritscustomeragreementasifithadbeenacheck,whatwouldorcouldthebankbetryingtodotosettletheaccount?ThebankneedstotreattheinstrumenttenderedasanobligationoftheUStothebank.Thetenderoftheseinstrumentsdischargetheobligationofthedebtforwhichtheyaredeliveredandthepayeebecomesthenewholderinduecourseandcollectionagentontheinstruments.

FormsofFraudWeLookFor:

Mortgagerelatedfraudisdefinedbyourloan/mortgageofficersandaffiliatesasintentiontoobtain ahomeowner'spropertyand equity.This isaccomplished byusinganyofthefollowingtactics:

Falsifyingrecordsanddocuments CommittingfrauduponthecourtsbystatingtheyaretheHolderandOwnerofthe

note-wheninfact-theydonotownorholdthe"original"note Preyingontheignoranceofthecourtandhomeowner; Falsely claiming Pooling and Servicing Agreements, industry standards, rules,

guidelinesorotherindustry-authoredwritingssupersedethelaw

Enteringon-timepaymentsaslate,toexactillegalandunauthorizedfees Manipulatingaccountrecords Falselyclaimingtobetheowner/holderofthemortgage Falsely claiming standing by use of names such as Trustee, Assignee, Nominee,

Beneficiary,etc. Fraudulentlyinvokingthejurisdictionofthecourt Chargingforce-placedinsurancewhenthehomeowneralreadyhasfullcoverage Falselyreportingadefaulttothecreditbureauswhenitistheservicercreatingthe

default Payingpropertytaxeslate,thencharginglatepenaltiestotheborrower Payingtaxesandinsuranceonthewrongproperty Creatingfictitiousdocuments(LostNoteAffidavits,PowerofAttorney,etc.) TriggeringthetermsoftheDeedofTrustwithoutthedebtinstrument Double-dippingor apply to the trust for reimbursement afterdeducting the fees

fromtheborrowersP&Ipayment Notaryfraud Evidencetampering Theftofgovernmentservices Perjury


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Feloniousinfluenceofpublicofficials Moneylaundering Insurancefraud Securitiesfraud Constitutionalandcivilrightviolations RoundingupARMrateswhenonadownwardtrend Notadheringtothetermsoftheloandocuments Creatingadditionalfalsedeficienciesthroughavarietyofquestionablepractices Addingmiscellaneousfeestopurposelycreateadeficiencywiththeborrower'snext

payment Notapplyingpaymentstoprincipalandinterest Committingperjurythroughmisrepresentations Withholdingorredactingdiscoveryevidence Tamperingwithcourttranscriptsandremovingevidencefromtherecord Conjuringupeventsthatneverhappenedwhilerefusingtoprovidedocumentation

tosupporttheirfallacies Refusingtocooperatewithattemptstorefinanceandstoptheillegalforeclosure Usingabuseoflitigation,appealsandmaliciousprosecutiontolitigateforever Payoffs to the consumer's attorney, law enforcement officials, judges, court

personnelandgovernmentofficials Refusingpaymentstoguaranteedefault Addingthousandsofdollarsinunearnedlegalfeestocreateadefault Ignoringcustomercomplaintsand"qualifiedwrittenrequests" Arrogantlyviolatingnumerouslawsandregulations Coercingthehomeownerintosigningaforbearanceagreementtostripawaytheir

legalrights Intentionallycausingdelaystorunupyourlegalexpenses Unjustenrichment Embezzlement Racketeering-RICO Vexatiouslitigation Abuseofprocess Violationofethics Grandtheft Extortion Taxfraud Publiccorruption Forgingdocuments Threatsandintimidation Electronicsurveillance Wirefraud/mailfraud Conspiracy Fraudintheinducement andmanyothers


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ScamsandAlerts

Beforedoingbusinesswithanyone,knowwhotheyare.Findouthowlongtheyhavebeeninbusiness,allcostsinvolvedwiththeirservice,whetherornottheyareproperlylicensedtoconductbusiness.Youshouldtrytomeettheindividualyoullbedoingbusinesswith.Scamartistsfollowtheheadlinesandknowtherearehomeownersfallingbehindintheirmortgagepaymentsoratriskforforeclosure.Theirpitchesmaysoundlikeawayforyoutogetoutfromunder,buttheirintentionsareasfarawayfromhonorableastheycanbe.Theymeantotakeyourmoney.Amongthepredatoryscamsthathavebeenreportedare:

Theforeclosurepreventionspecialist:Thespecialistreallyisaphonycounselorwhoistypically unlicensedinyourstate andchargesoutrageous fees inexchangeformakingafewphonecallsorcompletingsomepaperworkthatahomeownercoulddoforthemself.Theseactionsrarelyresult insaving the homebecause the lending industryknowswhothesescammersareandseldomagreetoworkwiththem.Thisscamgiveshomeownersafalsesenseofhope,delaysthemfromseekingqualifiedhelp,andexposestheirpersonalfinancialinformationtoafraudster.

Thelease/buyback:Homeownersaredeceivedintosigningoverthedeedtotheirhometoascamartistwhotellsthemtheywillbeabletoremaininthehouseasarenterandeventuallybuyitback.Usually,thetermsofthisschemearesodemandingthatthebuy-backbecomesimpossible,thehomeownergetsevicted,andtherescuerwalksoffwithalltherentmoneyandneverpaidacenttowardsthemortgage.

The bait-and-switch: Homeowners think they are signing documents to bring theirmortgagecurrent.Instead,theyaresigningoverthedeedtotheirhome.Theyusuallydontknowtheyvebeenscammeduntiltheygetanevictionnotice.

The internet foreclosure specialists: These fraudsters claim to have a NationwideForeclosureAssistanceProgram.Theyhaveelaboratewebsiteswithfalsetestimonialsandan800numbertocallforimmediateassistance.Whenyoucall, theywillcollectall yourpersonalinformationfirstthentellyouthatsomeonewillgetbackwithyoushortly.Theythensellyourinformationtoanyfraudsterthatwantstobuyit.

Theshortsaleflipping:Theseconartistswillsendyoualetter,ormightevenknockonyourdoortotellyouthattheywanttobuyyourhouseandthat theyhaveworkedwithyour lender in the past. They willmake a valid offer on your propertywell below themarketvalueandtellyouthattheyknowyourlender,andthattheywillaccepttheshortpayoff.Theythenopenescrowandproceedtopurchaseyourhome.Theynotifyyouthatyourlenderhasacceptedtheshortsale.Allthewhile,theyhavenevertalkedwithyourlender.Thescamhereisthis-theyhaveanacceptedofferfromyoutobuythepropertyatapricewellbelowthemarketvalue.Whentheyopenedescrow,theyinstructedtheescrowcompanytoshowtheirvestingasTheirNameandorAssigns.Theythenfindabuyertotaketheassignmentofthepurchasewhowillagreetopaythedifferenceupfrontbetweentheagreedsalespriceandthemarketvalue.Bothyouandthenewbuyerhavebeenduped.Thenewbuyerhasbeenrobbedofhisupfrontcashwhileyouarestillinforeclosurewith


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no short sale agreement from your lender. The con artist walks awaywith cash equitybecausehesoldhisrightstoaboguspurchase.

WhotoAvoid:

1. Anyonewhooffersaserviceforfree.Theytypicallyjustcollectallyourdocumentsthensellyourpersonalinformation.

2. Anyonewhomakespromiseswhenlogictellsyouthatthosepromisesmayormaynotbekeep-able.

3. Anyonewhoisnotinbusinessformorethan10years.4. Anyonewhocomestoyourdoorandwantstobuyyourhouse.5. Anyoneontheinternetwhoclaimstheycanmodifyyourhomeloanbutdoesntgive

pricingdisclosureorisvagueabouttheirservices.6. Anyone who offers a money back guarantee. Remember, they still have your

personalinformation.7. Anyoneofferingserviceswithoutproofofsuccessoraproventrackrecord.8. Anyonewhocomestoyourdoorofferingabailoutloan.9. Anyonewho takesyourcaseona contingency. Youwillwinduppaying the final

contingency amount even if a compromise is reached with your lender.Contingencies are usually 30 - 40% of the forgiven amount and lenderswill notagreetopay the lossmitigator.Youmay havesavedyourhome fromforeclosureonlytoloseittoamechanicslienfiledbythemitigator.

DONTtransfertitleorsellyourhousetoaforeclosurerescuer.Fraudulentforeclosureconsultantsoftenpromisethatifhomeownerstransfertitle,theymaystayinthehomeasrentersandbuytheirhomebacklater.Theforeclosureconsultantsclaimthattransferisnecessary sothat someonewithabetter credit rating can obtain anew loan toprevent

foreclosure. BEWARE! This is a common scheme so-called rescuers use to evicthomeownersandstealallormostofthehomesequity.

DONTsignanydocumentswithoutreadingthemfirst.Manyhomeownersthinkthattheyare signingdocuments foranewloantopayoff themortgagetheyarebehindon.Later,theydiscoverthattheyactuallytransferredownershiptotherescuer.

FrequentlyAskedQuestions

1) Q.Whatwillbeapartofyourprocessforme?A.Anexaminationofyourloandocumentsisonesurefirewaytogetyourlenderoverthe barrel.When violations of Federal and State laws are discovered in your loan

documents,weusethisinformationtopressurethelenderintomodifyingyourloanintosomethingyoucanactuallyafford.Insomecases,whenrescindableviolationsarediscovered, we will move to rescind the loan entirely. If your property is inforeclosure,wecanusetheauditreportasameanstostoptheforeclosure.

2) Q.Howlongdoestheprocesstaketoestablishthelien?


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A. Ittakes33 -60daystohavea legallien filedattheSecretaryofStateagainstthebankanditsassets.

3) Q.Howdoyoucalculatethelienamount?A. Addupthedownpayment, all improvements, all payments, and the loanamountmultipliedby4timesforpunitivedamages.Compensatorydamagesare200times

that amount. The lien is substantial. In Haslip v. Pacific Mutual (499 U.S. 1),theSupreme Court decided on legitimacy of punitive damages. In this case, 200times costs was found to be acceptable. We could use this equation or otherformulascanbeusedwithalesseramount.

4) Q.Once the lien is in place, will it stop the realtor from harassingme or mytenants?

A. Yes, we will file a complaint with the Department of Real Estate, against theirlicense, against their broker, and also go after their Errors and Omission

Insurance.Theywillstoptheharassment..

5) Q.Willitstopaforeclosure?A. Becauseitisa33-60dayprocesstoestablishalegitimatelien,itwon'tbeableto

stop a sale on short notice. However, once the lien is filed and in place, it willdefinitelystopmostforeclosures.

6) Q.Ifthepropertyisvacant,canImovebackin?A. When the lien is in place, our lien enforcement team can get you back in to the

property.

7) Q.Willitstopaneviction?A. Itwillstoptheevictionifthelienisinplace,butuntilthelienisrecorded,other

evictiondelayproceduresshouldbeimplemented.

8) Q.Doyouhavetobebehindonyourmortgagetoparticipate?A. It does not matter if you are current, behind, refinanced the loan, or lost the

property.Remember:thelienistosecureyourinterestintheproperty.

9) Q.Whatifthepropertywaspurchasedbya3rdparty?A. Attheclient'srequest,wecanforcethebankshandandgetthepropertyback.In

thiscasewesuggestthemonetarydamagesnottodisplacenewhomeowners.

10) Q.Whatistherefundpolicy?

A. Whenaclientwishestoleaveourprogram,thereisnoterminationfeeorlongtermcontract which forces them to stay or continue with any further payments. AllmoniespaidintotheprogramtodateareNON-REFUNDABLE.Alsoifweareabletoreleasethemortgage,therewillnotbeacancellationofthejointventureagreement.AbuyoutisapossibilityasnotatedintheJVA.


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11) Q.Canyoushowusasuccessfulcase?A. No-whenanegotiationhasbeencompletedwithaclientwiththebank,thebank

requiresa signed non-disclosure gag order.The bankdoesnotwantanybodytoknowhowtheprocedurewasdonetokeepothersfromdoingthesame.Wealsodo

notwanttojeopardizeaclient'spropertybybreakingtheorder.

12) Q.IfI'mcurrentlyinaloanmodification,willthisprocedurehelp?A. Onceyouhavealienagainstthebank,yourfilemovestothetopandwhateveryou

want,ourlienenforcementteamwillnegotiatethetermsrequestedbytheclient.

13) Q.Ifthereisa2ndor3rd,istheproceduredifferent?A. The procedure for the 2nd and 3rd mortgage is the same and requires the same

amountoftimeandenergy.

14) Q.Whatisthesuccessrate?A. Veryhigh.

15) Q.WhatifIhavea2ndmortgage?DoIneedtodotheprocedurewiththat?A. Ifyoudonothandlethe2nd,itwillbealienstillagainstthepropertyyouowe.We

suggestallliensagainstpropertygothroughtheproceduretohavethemremoved.

16) Q.Whatisthecostforthe2ndmortgage?A. Westructureitappropriatelytothe1stmortgage,soitdependshowthatlooks.

17) Q.IfI'minthemiddleofatrusteesalereversal,willthishelp?A. Sameas#16

18) Q.WhatifIlostmyhome2yearsago?A. Fraudhasnostatuteoflimitation.Youcanpursuealienagainstthebankatanytime

youcanaffordthecostoftheprocedure.Punitiveandcompensatorydamagesarewhatyouwouldbeworkingforhere.

19) Q.Haveanyoftheliensplacedagainstthebankeverbeenoverturned?

A. Never.

20) Q.HowlongdoIhavetoact?A. Time is of the essence when you are behind on your house, and delaying this

processcanbeabigmistake.Eachdaythatpassesmakesitthatmuchhardertogeta mortgage release. The home foreclosure processusually takes about 90 days.Whenwe find evidenceof loan fraud, orpredatory lending, the lenders typicallystoptheforeclosureinordertogivetheirlegaldepartmenttimetoreviewthecase.Pending their case load, the mortgage release can be done in 3 - 6 months onaverage.Ifyouqualifyforourprogramyouwillbegivenajointventureagreementtoreview.Youhaveoneweektoratifytheagreement.Timeisoftheessenceandweonlyhelphomeownerswhoaredecisiveanddontwasteprecioustime.


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21) Q.DoIhaveenoughtimetostopmyforeclosure?

A. Upuntiltheforeclosuresaleoccursthereisstillhope.Ifasaledateforyourhousehasbeensetyouneedtoactfast.Inthesecases,yougetemergencyattentionfrom

us.Ifneedbe,wewillhaveoneofourattorneysgetinvolvedtostoptheforeclosuresale.Wetypically turnawayclientswitha shorttimeframe from foreclosureandclientswhotakemore than7daystomakeadecision. Insomecaseswecanstillhelphomeownersthatalreadylosttheirhometoforeclosurebutitishardertodo.

22) Q.I'mcurrentlyinbankruptcy.Canyoustillhelp?

A. Yes.WepresentmanyalternativestothecourtandthejudgeseestheviolationsofFederallaw,untilsuchtimeasthecourtcanreviewtheallegations.

23) Q.ShouldIfileforbankruptcytosavemyhouse?A. Maybe, but not beforeweexamine all your documents. Use bankruptcy asa last

resorttosavingyourhome.Itsalwaysgoodtoexploreallyouroptionssodontrushintomakinganuninformeddecision.

24) Q.I'vealreadytalkedwithmylenderandtheyjustwantalltheirmoney.Canyou

stillhelpme?A. Yes. Many people experience this kind of inflexibility from their lenders before

callingourteam.Watchhowfasttheysingadifferenttunewhentheyknowtheyaredealing with an experienced team of professionals with access to judges andlawyers.Imaginetheirresponseifindeedevidenceofloanfraud,predatorylending,orservicingviolationsisdiscovered.Then,thereistheissueofservicingcompaniesthat are powerless tomodify the loan.Theseare companies thatdonot own the

note.Wethenbypassthecompanyalltogetherandgodirectlytothenoteholder.

25) Q.Willmycreditbedamagedfromdoingamortgagerelease?A.Mostlikely.Howeverifyouhavegreatcredit,thisissomethingyoumayevaluateinyourdecisiontodotheprogram.Ifyourcreditisalreadydamaged,wemaybeabletohelpreverseanyadverseaccountsthroughourCreditRestorationProgram.ThroughtheCRP,weareabletorepairandremoveanyderogatoryinformationonyourcreditfilesina1-3monthtimeframerewardingyouthefreedomandflexiblyrealizedbyhaving highcredit scores. (Somecaseswilldiffer intimeframe)Not onlywill you beable to release your mortgage, you will also be able to remove any late paymentsassociatedwiththisaccount!

However,you have tounderstand that credit agenciesare privateorganizations andcredit agencies are part of a larger system. These agencieswork hand-in-handwithyourlenderandthebanksmakemoremoneytheloweryourcreditscoresoit'snotsurprisingthatyourcreditwillbeaffectedbythesestrategies.


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26) Q.EXPENSESApproximatelyhowmuchwillitbe?A. Thisvarieswitheachproperty.Usuallyif thepropertyisnearforeclosure/trustee

sale,morecostis involvedsincewemayhave tohireattorneystodefend it.Withmostcases,itdoesntcometothatandwereleasethemortgagebeforetheytryto

foreclose.It'sdifferentforeachcase.

27) Q.Whatmakesthemortgagereleaselegal?A. EveryindividualhasaTILARightofRescissionrecoursethatisself-enforcing.The

processbeginswiththeconsumersnoticetothebankthatheorsheisrescindingthe transaction. By operation of law, the security interest and promissory noteautomaticallybecomesvoidandtheconsumerisrelievedofanyobligationtopayany finance or other charges. Ultimately, the TILA rescission not only cancels asecurityinterestinthepropertybutitalsocancelsanyliability.Allactionswetakehavebeenresearchedandbackedbystatutes,rightsandlaw.

28) Q.ShouldIpursuealoanmodificationorshortsale?A. Aloanmodificationoccurswhenalenderagreestochangeoneormorepartsoftheloantermsinordertomaketheloanmoreaffordabletotheborrower(whilestillbeingable topay the lender).The loanmodification isbest suited for borrowerswho are behind on their mortgage but have a plan for repaying their debts.Generally speaking, a loan modification candidate had a specific incident oroccurrence that has caused them to be behind and is curable. The curability issignificant.Withoutit,thelenderwillbeunlikelytoagreetonewterms.Mostloanmodificationsdonotgetapprovedandthatistheproblemwiththisstrategy.

Shortsalesaremoreappropriateforborrowerswhoaremostlyhopelessforbeing

abletoaffordtheirmortgage.Thismayhappenduetoalong-termjobloss,extendedillness,divorce,ordeathofapartner.Abankismorelikelytoagreetoashortsaleiftheborrowerhasmadeeveryefforttorepaythedebtandtoselltheproperty.Thelenderwants tosee aneffort for the propertytobesold for themost amount ofmoneypossible.Lendersliketoseethepropertylistedwithareputablerealestatecompanysotheyknowthesellerhasdoneeverythingpossibletocuretheproblem.Yet,mostshortsalesdonotgetapproved.

ThefactsarethatbothoftheseoptionsshouldbeexploredifyouQUALIFYforthem.Theonebigcatchisthatthelendershavethefinalsayontheapprovalofaloanmodificationorshortsalewhichdoesnotgiveyoucontrol.Amortgagereleasewill

trump any of these bank approved options and give you peace of mind ofeliminatingyourmortgageforgood.ThekeyisthatyouareinCONTROL.Togetherwiththerightteam,youcansaveyourhomeandprotectyourasset.

29) Q.CanIgetacopyofallthepaperwork?

A. No.Youcangetitafteryouarequalifiedandapprovedforourprogram.


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30) Q. This sounds like a great program to help people, how do you work withsomeonewhowouldliketoaffiliatewithyourcompany?A. Usually,weliketo seeyouuseourservicesfirst tounderstandhow itcanbenefit

you.Onceyouseehowthisworkspersonally,thenyoucanstartreferringclientsto

usforacommission.Andonceyouhaveproventousthatyouareseriousabouttheopportunity,thenyoucanbecomeanAffiliatewithourcompanyandwecanhelpyourclientswithvarioussolutionsbasedontheirsituation.Pleasecallouroffices,andwecangiveyoumoreinformationaboutourReferralandAffiliateprograms.

31) Q.Soundstoogoodtobetrue?

A.Yes,soundsunbelievableright?Thatiswhywedidsomuchresearchtogiveyouthefactsinthisspecialreport.Youcanlookupalloftheselawsandstatuesyourselftoverifythevalidityofthesefacts.Here'sthebottomline:assimpleasitwasforyoutosign documents to get a loan, it will be as simple as you signing documents toreleasethatloan/liability.Ifyoudoyourresearchabouteverythingwementioned

inthisspecialreport,youwillbeamazedatwhatyoudidnotknow.A simple example is a cost of a flight to a destination; everyone is pretty muchpayingthesamepricefortheflight(givenallthingsbeingequalsuchaswhentheybooked the flight, coach, no frills, etc); however if you know of a website withspecials,discountsandpromotions,youcangettheticketforalmosthalfthecostoftheotherseatsbookedonthesameplane.Thepersonthatpaidfortheticketatareducedpricehadtheprivyinformationwhile95%ofthepopulationdidnot.Mostpeopledon'thavemanyoptionsandtheoptionstheydohavefavorthelenders.

32) Q.Whatifyoucan'tgetridofmymortgageorreleaseit?

A. Therearemanystrategiesweuseandthatisthegoodthingaboutwhatwedo.Weare not justa 'one style/one colorshop',wehavemultiplestrategies tohelpourclients. If we can't release your lien then we canmost likely place a lien on thelenderforfraudandyoucangetajudgment.ThejudgmentgetsfiledintheFederalCourtsystemsoit'sperfectlylegalaslongasyoudoitrightandyouhavetherightteamdoingitforyou.Then,yourjudgmentcanbemonetizedandtheproceedsfromyourjudgmentwillgotoyouandyoucanpayyourbank/lenderinfull.

33) Q. Can Iuseyour special report as aguideanddomy ownresearch to do this

myself?A.There are so many factors of each client's case that will make most people

confusedbeyondmadnessbecausesituationsoncaseschangeall thetimeand it's notalwayscookiecutterhoweachcaseishandled.Andmostimportantly,youmay not have all the ingredients to be successful at this process. These variables include having the advice, experience, knowledge, technology, team, expertise, resources,network,association,funding,andmuchmore.Thus,tryingthisonyour ownorevenwiththehelpofsomeoneyouthinkmayknow(likeafriendorattorney withlimitedknowledgeofthesematters)couldleadtoverydireconsequences.


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34) Q:Shouldn'tIbeconcernedthatIamcrossingtheethicsandmoralissuewithamortgagerelease? Somepeoplemaywonder,anditcanbecauseforconcern,abouttheprocessyouaresuggestingisthatwhenanapplicantaskedforacreditcard,thatapplicantpromisedhe/shewouldpayitback.Whensomeonetakesoutamortgageto

buyahouse,thatpersonpromisedtopayitback.Peopleliketokeeptheirpromisesandtostayinhonor.Wouldonebegettinga'freehouse'?Whatifeveryonedoesthis,willwehaveafinancialmeltdown?

A.Thisisasummary,butitisvitaltograsptheissueswhichareactuallymorethanlifeanddeathinscope.Thishasapowerfulspiritualdimensionaswell.

You have been convinced that you borrowed, therefore you owe. But you areassumingavoluntaryservitudethatisnotrequiredofyoubylawandyouwerenotinformed of this by the responsible party. There has not been disclosure of thematerialfactsbythebankorcreditcardcompanyandtheyhadnothingtogiveinreturn.Theyconvincedyou togivethemthe titleto thepropertyinexchangefor

your own credit. It is not the bank's money that bought the house. You did notreceivevaluefromthem.Yourownpromissorynotesuppliedthecredit.Inreturnforyourcredittheyrentitbacktoyoufor30yearsandholdtitleforhavingsuppliednothingtothetransaction.Furthermore,yourpromissorynotewaseventuallysoldmultiple timeswithout your permission or knowledge even though it belongs toyou.Inmonetizingyourpromissorynote,thebankincreaseditswealthby9timesthe note and subsequently demands that you pay back the principal plusinterest....onyourowncredit.

Yournotecreatedmoneyforthemandyetyoukeeppayingandpaying.Thebillofexchangeyouobtainforthe$120,000mortgageisworth$1,080,000tothebankbymonetizingitonthediscountmarket.Asa"thankyou"fortheprivilegeofusingyour

promissorynoteto vastly increaseitsownassets, thebankwishes foryou topaybackthe$120,000youcreatedwithyourcreditplusinterest,whichover30yearswouldnearlytriplethecostofthemortgageANDyougavethemthecollateralofthehousethatyoualreadypaidforwithyourpromissorynote.

Inourdebtelimination process there isnorenegingon contract for two reasons.First,thedebtisdischargedbyasuretybondandbillofexchangefollowingexistingstatutesandadministrativeprocedures. Secondly,therewas nocontractfromthebeginning.A"mortgage"isnotacontractjustastheConstitutionisnotacontract.Acontractrequirestwo(2)ormoreparties(OfferorandOfferee)who,atthetimeofits execution or adoption, covenanted to be bound by it as evidenced by the

signature(s).

Thepracticedpatternofthe"mortgage"lendingindustry,andtheirwellpublicizedactivities,provesbeyondashadowofadoubt,that:(1)every"MortgageLender"didintentionally obtain their customers promissory notes, by non-disclosure,concealmentandsuppressionofthematerialfact;(2)thatthemortgagelenderwasnotriskinganyoftheirownassetsinthetransaction,and,(3)thatthe"Lender"didintentionally obtain their customers notes by concerted action, which would


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accomplish the unlawful things described herein, with full knowledge of the endresultsoftheirindividualparticipation.Inajustsociety,theywouldbechargedwithfraud,larcenyandconspiracytodefraud(RICO).Iwillexplain:

A "Mortgage Lender" is not a party to a mortgage under the laws ofcontract. No agent/principal for the mortgage lender will sign a mortgagecontract. Thereason forthemissing signature isbecause theagent/principal isfully aware that the mortgage lender is not tendering any consideration in thetransaction. Therefore, having provided no consideration and having given noindication of any desire to participate as a party to the contract by signing thecontract,neitherthemortgagelendernoranyotherthirdpartywhomayacquirethemortgage, has any legalauthority to impose the termsof themortgage. Thecontractfailsforlackofconsideration.

Thereisnopowerofattorneyinthemortgagegrantingthemortgagelender

the legal right to use the individual's promissory note for the mortgagelender's personal financial gain, without compensating the maker of the

note.Thereisnowrittengrantedauthority,ordisclosureinthemortgageforthemortgagelender,oranyotherparty,to"pool","encumber","pledge","hypothecate",ortradetheindividualpromissorynoteonthesecondarymarketwherealltradesare cleared by the Federal Reserve and are trades "off the books withoutcompensatingthemaker.

You,themakerofthenoteinthemortgage"contract"havemadenoappointmentofrepresentativestatustoanyagent/principalofthemortgagelender.Afterobtainingthe note, the non-authorized actions of the mortgage lender concerning the

individualpromissorynotecreatesimpliedobligationsforthemakertoundisclosedandunknownpartiestotheoriginaltransaction.

Ifthemortgagewereacontract,thenthemortgagelenderwouldhavehadtotenderconsiderationandpossesstheoriginalunmarkedandunalterednoteinordertosellthenoteorenforcethecontract.Otherwisethecontractis"voidable".

When the mortgage lender obtains the customer's promissory note withoutconsideration, they have committed an act of "Constructive Fraud" by acts ofconcealmentofmaterialfacts.TheseactsofconcealmentofmaterialfactsestablishaBreachofContract,sincethemortgagelenderhasalegaldutytoactingoodfaith

anddiscloseallmaterialfactsrelativetothetransaction.

Having obtained the customer's promissory note by Constructive Fraud, themortgagelenderisnotjustifiedby"impliedconsent"toenforcethecontract,asthatconsent, implied or otherwise, cannot be given under a cloud of non-disclosure,concealmentandsuppressionofmaterialfacts,orastateofduress.Doyouthinkthebankholdsthemoralpositionhere?


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If the sovereign has the rights ofsovereigntyoverhimself andhis property, theneachiscapableofenteringintoasocialcontract.Butbytheuseofmortgage,thosewhoaresovereignaredeceivedintousebyprivilege,ofwhattheythinktheypossessbyright.Aprivilegeisgrantedbyanauthority,whereasarightisanaturalheritage

implyingownership. Because the 14th

Amendment to the Constitution has placedthe sovereign under the protection of the United States CORPORATION whichadministers the District of Columbia and all other Federal territories andpossessions,themortgagelender,thelawyerandthejudgetakeadvantageofthesovereignundertheundisclosedconceptthattheindividualisaperpetualchildwhoisincompetent,awardof the State, andnot legallycapableofentering intoANYcontract,whileyetenforcinganimpliedcontract.

But,acontractcreatesthelaw.Therefore,acontractisalivingbodyoflawandisanagreementmadebetweenlivingpeople.Whenacontractssponsorsandpromotersreducetoadocumentwordsandtermsthatconveyprivilegesandauthoritywhich

those sponsorsand promoters have no rightor lack the capacity to convey, it isillegal.

There'smuchmore that demonstrates that yourmoral issue is rather toupholdyourrighttobeconsideredasovereignratherthanasubject.Atthemomentyouareconsidered before the law to be incompetent and in need of caretaking. Youremployees,theseverallevelsofgovernment,havetakenwithoutpermissionyoursubstancetobecollateralforthedebttheyvecreated.

Since you have not taken the position that you are capable of acceptingresponsibility,youaretreatedasthoughyouwereirresponsible.Theypresumethat

since you have not takencontrol of your own affairs, you are content to remainundertheircare.Somorally,toavoidthisissueyouarepermittingthegovernmentsto usurp power from you and collectively from all other sovereigns who do notknowtheyhavelosttheirstatusunderaconstitutionalrepublic.Bydefaultyouandall otherswho are unawarehave created the impending dictatorship by inaction.Hereisamoralpositionthatcannotbeoverlooked.

Since1933,theUShasbeenbankruptandmoneyisno longeravailablebutforthedebtinstrumentsthat,whenusedtorepaydebt,actuallyincreasethenationaldebt.Having withdrawn substance for commerce, only the government can extinguishourdebts.Thatistheactionofthesuretybondandabillofexchangeinstrumentto

dischargeyourdebts.

Furthermore,by"switchingchairs"withyou,themortgagormanagestobecometheacceptorofyourofferandendsupholdingthecontractinduecourse...meaning,asholdertheyretaintherightofownershipwhereasyouobtaintheprivilegeofitsuse!Whentitleisregistered,thetrueowneroftheproperty--car,house,boat,etc.--isthestate.Thereforeyoumustpayrenttothefeudallordwhoownsthepropertyto


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whichyouhaveacquiredtheprivilegeofitsuse--taxes,licensefees,etc.YouownnothingandretainprivilegeatthesufferanceoftheState.

Doyounotetheimmoralityofthesystem?Thisisthesystemyousupportbynon-

action, andestablishing your rights toyourown substancewhichhas been takenfromyouwithoutyourknowledgeorpermissionisthebeginningoftakingbackthepoweryou inadvertently let slipaway.Not your fault. The schools,attorneys, themedia,thegovernment,thebanksdonotprovideyouwiththeinformationtomakeaninformeddecision. Thatdoesnot diminishyourown responsibility tobecomeinformed.Nowyouhaveaclearerideaofwhatthestakesare,youunderstandsomeoftheconsequencesofbeinguninformed,andyouhavethechoiceofpretendingyoudon'tknowordoingsomethingaboutwhatyounowknow.

Intheend,alldecisionsneedtobemadebyYOUandonlyyou.ThatiswhyweputsomuchtimeandresourcesintoputtingtogetheracomprehensiveSpecialReport

tohelpyouanswermost,ifnotall,questionsregardingthemortgagerelease.Afterall the facts are given, the decision is yours to make and when you make thatdecision,picktheonethatallowsyoutosleepatnightwithfull'peaceofmind'.

WhyLoanModificationIsNotInYourFavor

Yourmortgagecurrentlydoesnotreflectthetermsyouoriginallysignedandagreed

to. Due to securitization, the termsofyour loanasbeingenforcedcurrently, have beenmodifiedwithoutyourpermission.Inmanycases,homeownershavebeenchargedfeesnotauthorizedbyoriginaltermsofmortgage.

ThepartyyoupayyourpaymentstoMORETHANLIKELYdoesNOTownyournote. Whenaloanissecuritized,thenoteisdestroyedandthedeedoftrustisgiventoanotherpartyandpaymentsareassignedtoathirdpartywhomyoumakeyourpaymentsto.Everytimeamortgageistransferred,documentsarerequired,sameasacar,house,

or any other asset. In some cases, original documents are available to confirm theexistenceofthedebt,howeverifthedebtwassold,transferred,orcollateralizedwithotherpoolsofloans,itmustbedeterminedifthereareanyotherclaimsorpartiesthatmayhaveclaims,priortoanyforeclosurebeingcomplete.Theremustbeaproperchainofownershipinordertoconfirmtheclaimsofthepartiesinvolved.

There exists RAMPANT FRAUD in the bubbles of real estate, mortgage, andWallStreet securities. From real estate valuation, to the sales terms, mortgage terms, anddocumentation to underwriting, there are countless examples of negligence, fraud,deceptivepractices,predatorylendingandmanyothercrimesthathaveequallycountlessvictims.Manyofthesevictimsareseeminglyunawareofthesecrimes,andarelosingtheirhomesenmasse.WallStreethasonlybeentheconduitfortherealestateindustrybubblecreatedfrom2001-2007.


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ThecourtshaveupheldthataDeedofTrustandamortgagenoteCANNOTbetraded

orsoldseparately. FederalandStatecourtshaveupheldthatthepowerofsalecannotbeconferred separately from the ownership of the debt itself. Most foreclosures areconductedbyatrusteewhohasbeeninstructedtodosobypartiesthatdonotownthe

note/debtitself.

MostmortgagenoteshavebeensoldortradedseparatelyfromtheirDeedofTrust.ThisistrueforamajorityofmortgageloansintheUnitedStates.Ifyourmortgagehappenstobeoneofthosethathasbeenheldasaportfolioloanandhasnotbeensecuritizedorsold, there are many other claims that you may have to defend against foreclosure,includingbutnotlimitedto,itemslistedin#6above.

Your original eocuments have more than likely been destroyed intentionally or

otherwise. It is much cheaper to store documents digitally than to store the physicalcopies. Due to this fact, most mortgage documents are scanned and destroyed by the

original lender.Othertimes, theyare lostordestroyedintentionallywhere partieshavecollected on claims of insurance policies in effect to cover against such losses. Mostmortgagedocumentsarejustnotavailable.OriginaldocumentsareREQUIREDin foreclosureassolemethod toverify validity

and authenticity. Courts in Federal and State jurisdictions have upheld that originaldocuments must be provided in order to validate and authenticate the claims, whendisputedbyanyofthepartiesinvolved.Originatinglendersandbrokersofmortgagesareoutofbusiness,leavingnotrailof

documentsto verify. Itistruethatupontheburstingofthis"bubble"inthesummerof

2007,morethan300lendersquicklyshuttheirdoorsovera3monthperiod,destroyingtheirrecords,documents,andpapertrails.Inmanycasesthisleftacloudofdoubtoverthetitleandthetrueownershipofthedebtthatshouldbedisputedforclarification.

MostbanksandpartiesconductingforeclosuresareNOTauthorizedbylawtodoso,

andcanbebeatattheirowngamebydisputingthevalidityofthedebt!

ServicingoftheLoan

ThisinformationwastakenfromaMERSlawsuitwonbytheplaintiff.

Servicing refers to the collection of the monthly payments for each mortgage, and asearlier noted, the general management of the loans. The servicers are contractuallyobligatedtoactintheinterestsoftheinvestorsviathePoolingandServicingAgreement(PSA).EveryPSAnamesamasterservicerandotherservicers.Theyaretheentitiestaskedwiththecollectionofpayments.Responsibilitiesinclude:collectthemonthlypaymentsoneach loan; keep accurate payment history records; track payments and segregate withdifferent Trusts for which the servicer collects; makemonthly payments to the Trusts;engageincollectioneffortsforloansnotbeingrepaid;attempttoresolvecollectionissues


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vialoanmodifications, forbearance,orotherworkoutagreementtactics;authorizeshortsalesordeedinlieuofforeclosure;initiateforeclosureproceedings.

Theservicerhassignificantdutiesrelatedtoloanmanagement.Itwouldappearthattherewould be significant reason to engage in loan modifications or principal reductions toensure loan repayment over foreclosures. But actually, the servicer has no incentive toengage in such actions and in this case did not in direct violation of Civil Code section2923.5.The servicerdid not engage inanyeffort because the servicerhas nobeneficialinterestinthenote,sothereisnourgentdemandforanythingbutforeclosure.

Whenthepaymentsweremissed,theservicerhadtoadvancethepaymentstotheTrustwithitsownfunds.Theonlywaytorecoupthesefundsisthroughforeclosure,sincethePSAdoesnotallowforrecoupmentinanyothermanner.(Theservicerstopsmakingtheseadvancesonlywhenitisdeterminedthatthemoneyisnotrecoverable.)

TheservicerwaspaidonthetotaldollaramountoftheServicingPortfoliofortheTrust.

Authorizingaprincipalreductionwouldreducethetotaldollaramountoftheportfolio,sothe servicerwould receive lessmonthly income. Further, a percentage payment on theunpaidprincipalbalanceofthepoolisthesinglelargestsourceofincomefortheservicer.

Undertherulespromulgatedbythecreditratingagenciesandbondinsurers,theservicerwouldbedelayedinrecoveringtheadvanceswhentheydoamodification,butnotwhentheyforeclose.StallingforeclosuresmeansthattheServicingPortfolioincreasesmonthly,resultinginincreasedservicingfees.

Performing loanmodification wouldcost the servicerupfrontmonies in fixedoverheadcosts, including staffingandphysical infrastructure, plusout-of-pocketexpenses suchas

propertyvaluationandfinancingcosts.Thepost-hocreimbursementfortheindividualloanmodificationsofferedbyMakingHomeAffordable and other programs was not sufficient to induce the servicer to alter theirexistingbusinessmodel.TheQuarterlyReporttoCongressissuedbytheOfficeofInspectorGeneral for the Troubled Asset Relief Program, underHAMP and its related programs,reportsthatTreasurysignedagreements,calledServicerParticipationAgreements(SPAs)with145servicersasofOctober3,2010.Ofthe$29.9billionobligatedtotheseservicersunder their SPAs, $483.3 million was spent as of that date on completing permanentmodificationoffirstliens.

Ofthecombinedamountofincentivepayments,approximately$268millionwenttopay

servicerincentives,$164.9millionwenttopayinvestorincentives,and$52millionwenttopayborrowerincentives.

Theservicercollectsadditionalfeesfromlatepayments,foreclosureactions,andnumerousjunkfeesthattheyaddtothehomeownersaccount.


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TheSPAdoesnotallowformodificationunlesstheservicerbuysbacktheloanfromtheinvestoratthebalancedue,whichtheservicerwontdosincetheloanisindefaultandthehomeisworthlessthantheloan.Buyingbacktheloanwouldmeanalossfortheservicer.

The primarymortgage insurance on the loanmeant that no loss occurs in the eventofforeclosure.

Creditdefaultswapswouldpaynotjustlosses,butaboveandbeyondlosses.UsingtheseformsofInsurance,forinstance,a$2premiumcanbepaidtoinsure$100indebt.

Forthesereasons,theservicerdidnotengageinanymeaningfuleffortatloanmodificationdespitethestatutorymandateinthestateofCaliforniaandfalsifiedtheirclaimunderCivilCodeSection2923.5.

TheForeclosureProcessWasUnlawful

TheoriginalmortgagewasexecutedonDecember15,2006.ThebeneficiaryandmortgageeisMERSandthelenderisGreenPointMortgageFunding,Inc.MarinConveyancingCorp.isthe trustee according to the Deed of Trust and themortgage allows for the Trustee toinvoke the statutory power of sale. The SPA contained in the caveat states that themortgageinstrumentmustbedulyexecutedandfullyenforceable.

Thenotestatesthatthelendermaytransferthenoteandthenenderoranyonewhotakesthenotebytransferandwhoisentitledtoreceivepaymentsunderthisnoteiscalledthenoteholder.TheactualnoteholderisunknownatthistimeandwhetherornotMERShasanyauthoritytoactastheagentofthecurrentnoteholderisunknown.

Section131(g)oftheTruthinLendingAct(15USCSec.1640)(TILA)wasamendedonMay

19,2009,toincludeanewprovisionrequiringtheassigneeofamortgageloantonotifyaconsumerborrowerthattheloanhasbeentransferred.Section131(g)requiresthe