This video explains that negotiable instruments (such as checks, promissory notes, and bills of exchange) can be transferred through endorsement, with special endorsement specifying a particular payee while blank endorsement allows transfer by mere possession. The video emphasizes that understanding these legal definitions is crucial for protecting one's rights in financial transactions, as improper endorsement can result in loss of control over the instrument. The speaker also discusses how the Uniform Commercial Code (UCC) governs these instruments and provides practical guidance on how to properly handle and protect negotiable instruments in legal and financial contexts.
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And I'mma I'mma move I'mma I'm I'mma move at my speed. All right, y'all.
I'mma move at my speed.
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>> Sell y'all the goddamn percoets. They want to sell y'all goddamn antibiotics.
They want to sell you blood pressure.
Dline in two goddamn days. It reverses your [ __ ] cancer cells in two days.
They'll tell y'all that goddamn [ __ ] All that garbage y'all putting in your man. Get away from pharmaceuticals.
They killing us, man. Go back to nature.
Oh, got some pine straw. Like good fresh pine straw. Some dandelions. I know you see these in y'all front yard.
Can y'all view that? Okay.
>> I'm about to make some damn tea with it.
Look at what he doing. Look at this [ __ ] man. But you know what I noticed off every goddamn pill bottle?
All them goddamn side effects.
>> Yeah.
>> It going to get rid of your headache, but it's going to make your ankle fall off, >> right?
>> When everything is really free from God.
>> Everything is free from God.
>> This the [ __ ] want us to know for real.
That way you got to go old school, man.
You got to [ __ ] with OG's. [ __ ] a root and root.
Get all that in there.
I'm trying this right here.
>> What I' been using all week.
>> That boy reh.
I don't need no whole cup. I'm just going to try that little bit out.
It's earthy, boy. It is earthy.
It's earthy. It's different.
That [ __ ] is not bad as I thought it going to be. How it look?
>> They're black. That's what's wrong with them. And the way I feel, black and white don't mix. And it's never going to mix. They've been here in this country 200 years. And it seems that any you show me one neighborhood where integration worked. I don't think there's a neighborhood where integration ever worked, where it didn't go totally black. And we don't want that to happen here. And we're going to do everything within our power through legal means to make sure that this neighborhood stays white.
>> This clip comes from a documentary called Rosedale, the way it is, produced by journalist Bill Moyers. It aired on PBS in January 1976, and it documented what happened when a black family, the Spencers, moved into this all-white neighborhood. Their house was firebombed. A pipe bomb was thrown through their window on New Year's Eve while they slept with their three sons.
A note attached to it threatened to kill their firstborn child, and the two men arrested for the bombing were acquitted.
But the Spencers didn't leave. And what this documentary captured, the rallies, the patrols, the open hatred, wasn't Alabama in 1955.
It was New York City in 1975.
>> The only one reason this is happening is because we're black. So whether it's the Rosedale or the neighboring communities, this can happen anywhere.
If their strategy was to chip away at this community piece by piece before they could take it over, they blew it.
We're all alert. We're watching. And we're not about to let them come in and take over. Every night from 8 to well past midnight, roar volunteers cruise in patrol cars through the streets of Rosedale, searching for outsiders they feel are a threat to their community.
Andre Noise, a former soldier in the Belgian Congo, came to America with $10.
He worked literally day and night as a security guard and dishwasher and now owns his own home in Rosedale.
>> Why is this so important to you?
>> Well, it is very important to me. I live over here and I want this place to be very safe.
I want to keep color people out of the community of Rosedale. That's what I'm struggling for.
>> Uhhuh.
over 30 years of my life, right? And I could go deep down into the real system of where I came from. So when we say the criminal justice system, I understand and I think we see a perfect example of it today that the criminal justice system is exactly that, a justice system being ran by criminals. I could go to these individuals and say, "Oh man, you know, Doc got a murder charge, man. is people trying to make sure that he comes home. They don't want him to do life.
They say, "Okay, well, it costs XYZ."
Just say if they say, "Bring us 30,000."
30,000 in the ' 90s was a lot of money.
And we take the 30,000, give it to them.
You go to trial, you get found not guilty.
>> And how that process worked was one day I went up to this real rural area to meet with them at this big mansion. And they said, "Man, make yourself at home."
And I started walking around the house and I looked on the wall and they had all these white people on the wall, all white male men. And I like, man, where these devils come from, boy, they ugly.
So I went walking on down the hall and then I seen the one that I came to meet with. And I say, oh, this is family tree. This is people. So I went sat out on the backst step and I noticed every car outside had a Confederate flag on it. I had been raised not to like the Confederate flag because they were people that really hated us, right? And I said, "What the hell is they doing with that on their car?"
>> Mhm.
>> And they opened the back door and he said, "Hey man, what you think about Silky?" I said, "I'm just thinking." He said, "Look, take that ATV right there.
Ride a half a mile right there. There's a cut in the woods." He said, "When you get in the woods, go back about a quarter mile." He said, "You're going to see a historical mile marker."
>> Mhm.
>> He say on that mile marker, it marks a slave graveyard. No one can touch it because the slaves actually wrote their name in those headstones with their fingers. the ones that was left. I said, "Really?" He said, "Yeah." So, I rolled back there and I went to the graveyard.
I rolled up the headstone and I said, "Damn, man. Slavery really existed." And God spoke to me and said, "Yeah, >> that's why they'll take $30,000 from you for one of y'all killing each other because you're in the hands of your former slave master >> and he never cared about you.
bought 340 acres of land, you know, for $1,200.
I think the tax on it were about $1.50.
And uh so we would like we were tobacco farmers. So that's all we did. We farm and raised a lot of livestock and large garden. People who came from the city, they they loaded up when they came.
Best to plant a large garden and a small one for pollination purposes.
And then we just it was passed down from one generation to the next generation.
He left it to my brother, my oldest brother. They used to leave it to the oldest male or something to keep the name and keep it going.
That's right.
>> Mother marched in Selma in Selma, Alabama during the civil rights movement so that I could have the right to vote.
She said, "I'm raising two kids on a hospital tax paycheck." She said, "I don't vote blue because I love the Democrats. I vote blue because the Republicans are coming for my son's Medicaid." She said, "I'm I vote blue because they're coming for my daughter's education, her library books, and so forth."
She said, "Uh, you say that both parties are part of the same system. Maybe so, but what are you actually offering me?"
She said, "What are you offering somebody like me uh in November or in an election year? Not some uh Islamic civilization 100 years from now, but this week, right now, here and now in America when I'm about to cast my ballot." Okay. First of all, I'm not running for office. I know you got used to selling your uh your vote in exchange for promises in exchange for IUS.
Meanwhile, your politicians, by the way, are selling their policy decisions for cold hard cash. They're selling their policy positions for uh board positions and corporate shares and so forth. But you got used to being appeased and you got used to being catered to with pretty sounding words. And now you want me to use those same pretty sounding words uh as if I want something from you. There's no transaction here. I don't want anything. Okay. Now, first of all, let's be clear about something. Your mother, your grandmother, sorry, your grandmother did not march in Selma, Alabama for the right to vote. No, I know that's what you've been told. I know that's what the textbooks say.
That's what the uh the legends all are.
That's what the speeches and the documentaries and whatnot about the civil rights movement tell you. Uh but obviously, no one nobody uh is going to take a billy club to the side of the head just for the right to put a piece of paper in a box. No one is going to bleed on the u the Edund Pettis Bridge in exchange for the privilege of pulling a lever in a booth. That's not what she was doing out there. That can't be what she was doing out there. Not at all. No, she was marching for what voting was advertised to her to be. You understand? For what they told her voting was. They told her that it was a process by which her voice could be heard, by which her presence in that country would be acknowledged, would be recognized. a process by which she would count in America. She marched for representation. She marched for dignity.
She marched for respect. She marched for citizenship in the full sense of that word. She marched to be a person whose existence in that country could actually shape the way the country operated. You understand? So then ask yourself, did voting deliver that? Did voting deliver any of that? No. What she marched for, you still don't have. That's the truth.
So now all you did was inherit a ritual, a voting ritual, an election ritual, and you call that her legacy. So now you go out every two years, every four years, and you perform that ritual. I mean, that's like if your grandmother if your grandmother fought for the right to chop wood uh so that she would have lumber to build a house, right? She cho she fought for the right to chop wood. Now 60 years later, you're still going out uh uh chopping wood, stacking it up, but the the the the permit to build the house never came and it never is coming.
But you keep chopping anyway because you think that's what your grandma fought for. No, that's not what she fought for.
She didn't fight for the right to chop the wood. She fought for the right to have a house, to build a house. The chopping of the wood is a means to an end. And you keep confusing the means with the end. And the people who are running the system are very happy that you're getting those two things confused. Voting is not what she fought for. That's not what any of them fought for. Representation is what she fought for. Dignity is what she fought for.
Respect, participation, that's what she stood for and that's what you should be standing for today.
And I'm here to tell you that uh uh uh what she stood for has almost nothing whatsoever to do with what happens on uh uh the first Tuesday of November in an election year. That's not an opinion.
That's not an opinion. That's the truth.
There's a study by a law professor at the University of Chicago, uh, Nicholas, uh, Stephanopoulos. He looked at federal legislation and he asked a very simple question. Uh, when black Americans, when African-Americans support a policy, does it become more likely that that policy will come into being? You would think yes. Obviously, you would think yes, because that's what representation means. But what he found was the exact opposite. As white support for a policy goes from 0 to 100%. Then the chances of it passing rises from about 10% to about 60%. Okay? That's representation. That's what representation looks like in the data. But as black support, as African-American support goes from 0 to 100% uh in favor of this or that policy, the chances of it passing falls about 40 to 30%. Did you hear me? Black support for a policy makes it less likely to become a law in the United States of America.
That's not under representation. That's negative representation. Means your endorsement of a policy is detrimental for legislation in that country. It's detrimental to the policy if you're for it. Then there's a broad now numbers. Right. Right. He giving you numbers. She's not just talking and giving numbers. Now, if that's true, what does that mean in regards to the relationship of so-called black people and the United States government, but even better yet, Congress, article one, legislature? What is that relationship with so-called black people? a study that was done by the uh by Princeton Princeton and Northwestern.
They did a study where they looked at 2,000 federal policy decisions over the course of 20 years over the course of a 20-year period. And they found that the preference of average Americans, average Americans of all races, by the way, all races, their preference has a near zero uh statistically insignificant effect on what the government does. Almost no effect whatsoever. Meanwhile, the wealthy and organized business interests have a substantial effect. They decide everything at the end of the day. So, the average white voter has no real representation either.
>> But black voters sit inside that already rigged system and they just get a little additional racist penalty stacked on top when they support a policy. You understand?
So, we going to leave it right there.
Now, I'm gonna say this at the same time. Let's just say we got to fact check this thing. If that's true, if that's true, then why are all these so-called black people in your black caucus in your Democratic party and then your Republican party holling about? What they what they screaming holling about?
That's the case cuz they've been there.
They admitted they've been there since 1965.
They got their what do they call it?
They got their uh democracy in 1965.
So do the math. 61 years.
And he's running off these numbers, these stats. These are stats, statistics.
What does that say about them?
Leadership. That's why I say no leaders and what we consider to be a leader or what they're saying is to be a leader.
They might be having some form of power, but is power leadership.
It can become a power trip.
conspiracy. But in 1953, one man named Norman Dodd, no political agenda, just a banker and chief investigator for the special committee on taxexempt foundations, he found Carnegie Ford and Rockefeller using tax exempt money to turn the classroom into a propaganda operation. What that is?
>> Now, you remember what we talked about yesterday? What I showed yesterday?
Remember the sister that came up and she was talking about they're changing the education system where certain things aren't going to be considered to be professional and all that.
Yeah.
>> It's not a conspiracy theory. That is not a tweet. That's what Congress wrote down. If anybody saw PBS, right, you saw channel 6 in California.
And PBS all the things that were done when they had all these documentaries and all these different presentations they had on channel 6, it was sponsored by who? The Rockefeller Foundation. The Cardgi, that's how you say it. The Cardgi Foundation.
Okay. Ford Foundation. Remember that?
>> Mhm.
>> Carnegie, Ford, and Rockefeller was rewriting history inside the textbooks.
Not editing, rewriting. There's folks from the legal council who wrote books on this [ __ ] Again, banker and chief investigator for the special committee on tax exempt foundations, Norman Dodd, sent his assistant, Katherine Casey, to read the Carnegie Endowment's handwritten meeting minutes. Tell me why after she read them, she never practiced law again. Think about that. A trained lawyer undone by what a foundation wrote about itself in private. Carnegie funded a seven volume study on the future of American history. The last volume said the future of this country belongs to collectivism. A critic don't write that.
Carnegie's own hired academics to saying that about our country. The Ford Foundation director look Norman died in the face and told him they directive was to use their money to alter American life until it could be merged with the Soviet Union. This is this is on record.
Now Norman died look into the Frank hyphen dad act on record voluntary like Pauline. Why?
because they was confident know what happened. And they were right. Cuz once Congress read that full report, Congress made sure to burn any paper trail that might incriminate the people financially supporting this wild ass agenda.
Carnegie Ford and Rockefeller's foundations kept their tax exemptions.
Po kids and black kids kept getting the same curriculum and the system been quietly pushing that [ __ ] like metamucil ever since. If you are working your ass off, stressing your >> All right, pardon his language.
Let's continue by forcing you to do the work for them.
And the average American actually spends 13 hours and almost $300 to file their taxes. I mean, think about what a scam this is. There's a Gman comes in. Hey, you owe us taxes. You say, "Oh, okay.
How much?" Well, you have to figure that out. you should actually hire somebody to help you do it. And you're like, "Uh, okay. I you don't know how much I owe you." They're like, "Nope, no idea right now." And you say, "Okay, well, what if I get it wrong?" Well, Gman comes back and says, "You go to jail. Don't pass go. Don't collect $200." And to think our founding fathers started a war over a 2 and 12% tax hike in a breakfast beverage. And look at us now. We basically work from January through May for free. So the greedy G >> this the kryptonite for any any so-called black man black black woman want to talk about racism kryptonite right here.
Okay. He said we work from what to what for free boy. How about that? Now you would think that that tight tiewearing flush pink guy would know about his Yeah, he going to know about his books.
>> Man can waste our money on shrimp running on treadmills and learing centers in Minneapolis so some Somali can ship the money back to Moadishu. And for all that, the government doesn't even listen to us. For example, 83% of Americans support voter ID and our representatives won't even pass it. But yet, we're supposed to applaud a 2% cut.
How about a 100% cut? Because the government laundered, stole, and wasted about a hundred trillion dollars in my lifetime.
>> Mhm. No comment.
Once you realize that the court system is only designed to recognize US US citizens, which are legal fictions persons, right, and non-resident aliens, you'll learn that the rules that they play by are in are found in the incorporation doctrine on the Cornell website. It'll it it shows you which rights were imported and which cases support those claims. And if you don't if you don't say that, if you don't if you don't tell the judge, I have this right because it says it in this case, blah blah blah versus blah blah blah, then the court, it won't recognize or claim that I have rights because of the constitution. The constitution doesn't apply to us US citizens. The constitution only applies to white state citizens.
If you're not uh >> oh uh oh >> not a white state citizen, right? Your status if you're not a white state citizen, the constitution does not apply to you. So you have you have to work as if you're a US citizen.
Uhoh.
Remember that. We're going to come back to that.
So we almost there. Keep these in mind.
Keep these in mind. Remember yesterday, if you was here yesterday, keep this in mind. If you wasn't, go listen to it because you're behind.
This is class.
It's not freestyle.
That that's certainly you know I've I've said many time >> that that's certainly you know I've I've said many times in this committee that I think that the level of capital in the in the largest banks is about right uh and so it'll it'll shake out somewhere in that in that area. I would >> our expectation would be in the markets would expect that it would be neutral with regard to uh capital >> in that range but I I want to I want to defer to our new colleagues u and get their views as well that but that's that's a good starting place.
>> Okay. Thank you. Um, the Federal Reserve's partnership with the US Treasury plays a central role in supporting our nation's payment infrastructure, which processes a vast range of daily transactions from federal benefit dispersements to debt obligations.
Could you outline the Federal Reserve's role in supporting and managing the Treasury's payment systems, including how the Fed works to keep these systems secure, efficient, and capable of handling the government's high volume of daily transactions?
>> Right? Pay attention now.
Pay attention. I'm just going to check your fortitude and how fast you can keep up. Right? That's the question. The question is, how does the Federal Reserve keep up with the Treasury and the transactions every day? These transactions, these daily transactions, daily transactions.
>> So, it's a it's it's a complicated set of arrangements and I'll I'll try to summarize quickly.
>> Why is it complicated?
effectively um Congress authorized spending and then the agencies carry out those spending orders and when they the way they do that is they send an order to pay a payee a recipient to the Treasury Department upstream before it gets to the to the Fed all of these decisions are made about is this an appropriate order does the is this is this pay on the note don't pay list and all those things once it once all of that is set it comes to the Fed and by that I mean four or so of the reserve banks and we actually make the payment.
We we take the money out of the Treasury General account and we make the payment I did that for myself.
I did that for myself.
>> We make no judgments whatsoever. Those are all made upstream from us and we are in fact the fiscal agent of uh of the treasury.
>> Confirm for me today. Is the system safe today?
I believe it is and I will tell you we we are very strongly committed to the integrity, efficacy, resilience and all those things uh of of this system and you know people do depend on this in a big way and we're committed to that.
>> One last question for you sir uh the failure of Silicon Valley Bank and the chairman brought this up. I'm keep that in mind.
Now let me read this for you.
This says Supreme Court decision all codes, rules and regulations are for government authorities only not human for/creators in accordance with God's law.
All CO's rules and regulations are unconstitutional and lacking due process. Rodriguez versus Ray Donovan, US Department of Labor, 1985.
Keep this in mind.
All right.
This is 4 USC code section 72 public offices at seat of government.
What does it say?
All offices attached to the seat of government shall be exercised in the District of Colombia and not elsewhere except as otherwise expressly provided by law.
Now I'm going to share my whole entire screen because now it's time to get busy.
Under the circumstances, you take that as it you will and you come up with your own decision.
And if you disagree, call them a lie.
This is what they're saying. This is what it is. This is this is actually What is going on every day? You're talking about daily transactions where the Federal Reserve is asking acting as fiscal agent, right?
I mean, I know the code, but I'm not going to tell you the code.
But the code actually says, right, and this is in Treasury regulations, that not just the Treasury, but actually national banks also act as fiscal agents in their connection with the Treasury. I mean with the uh Federal Reserve.
Now what I want to do is I want to uh focus on and let me go ahead and cam up real quick. Hey, what's going on? I am not a crook. Hey, but check it out though. Here we go. We're going to go right here. This guy, this young man is interesting in what he says.
He uses uh scripture and it's decent. But I want to I want to let you hear him real quick and I'm going to jump in and out and then I'm going to go back to Black's law dictionary and what I said about yesterday with prescribe the Black Law Dictionary definition of prescribe and the Black Law Dictionary definition of prescription.
Okay.
Then we're going to go to uh I'm going to see if I can find scribe in there.
Then we'll go to what scribe means in law.
Um let's go.
Hold on. Let make sure I got make sure I got the screen up.
We're going to go to the entire screen.
Hit that. hit the volume and we're going here. Now, just flow with me. If you're going to be up here, just listen. If you're willing to accept something outside of what the norm is or what you normally think, it's a good place for you. If not, you know, you might want to find something else to do.
All right, let's get it.
So when you remove the body out of the s sickness, out of the disease, then you automatically destroy the law behind it. Now what he said right there, if you Let me let me bring it back just a little bit.
Oh, let me move this out the way.
Let me come back just a little bit.
There we go.
God says, "I don't want you, Bishop," you see, to do that.
So when you remove the body out of the sickness, out of the disease, then you automatically destroy the law behind it. Right? So when you're dealing with assumptions and presumptions, right? You deal with assumptions and presumptions. So in your assumptions and what he's saying right there, the the disease, the sickness, what is the disease and the sickness?
The disease and the sickness are the parasites and the pirates, the sharks that actually come in and try to get you to participate in that.
Right? So you are participating in something but if you do not get rid of that then you're actually going to subject yourself to or subscribe yourself to whatever that sickness might be. Now people might think of a sickness being the cold, the flu, whatever it is. No, this is something bigger than what you consider to be sickness.
This is what they say by you know you know lack of knowledge or lack of understanding or ignorance is bliss. You have all these different terminologies people use.
Um but what I got right there when I heard that I said oh okay but it it it actually gets better.
Now what we're going to do is we're going to come right over here. Right.
We're going to get you over here to We're going to get you over here to Black Law Fourth, right? We're going to come right down here to prescribe.
Now, I know a lot of people didn't even know that prescribe actually meant this.
Prescribe is something that usually deals with medical issues, right? prescribed to assert a right or title to the enjoyment of a thing on the ground of having hitherto had the uninterrupted and immemorial enjoyment of it. to lay down authoritatively as a guide, direction or rule. To impose as a permpary order or permpary challenge to dictate, to point to direct, to give as a guide, direction or rule of action to give law.
Now if we understand American history and then if we understand some basics of law and how administrative procedures, court system situ legal actions go at no point in time the authority is usually placed with the people as it should be. More importantly, the treaties and the supremacy clause, the authority is not publicly being expressed or reminded to actual to the actual people as a whole. Certain people, yeah, but not everybody.
Okay.
So down here we got to direct, define, mark out, set borders, set control.
All right. Prescription, a direction of remedy or remedies for a disease and the manner of using them. I showed that yesterday. I know like why are you showing this prescription? You talking about disease and remedy and all this stuff. think it's one thing, but remember the way they set everything up after Webster's dictionary, they made they they made a compound language, what they call English today, a bastardized language. It comes from many people.
Nobody know who the father is. So that makes a bastard, right?
a formula for the preparation of a drug and medicine remedy. All right. Now, when we come down here over to the right, we'll come down to real property law because that's what we're focusing on. Real property law. Prescription. the name given to a mode of acquiring title to incorporal herediments by immemorial or long continued enjoyment. So here's the immemorial again. What is immemorial?
That means that it's time that can't even be clocked, right? You don't even know what time it is.
There you go. Now let's go up to international law.
In international law, right, is acquisition of sovereignty over a territory through continuous and undisputed exercise of sovereignty over it during such a period as is necessary to create under the influence of historical development the general conviction that the present condition of things is in conformity with international order.
Now, if that's the case, undisputed sovereignty, exercise of sovereignty.
Now, this is where you go to the history books. So, we dealing with real property law, right? We're dealing with the land and then we're dealing with inter international law, what is recognized across the world historically in the books. And you got case law. Just keep that in mind. Just keep it in mind. Let's go back.
Let's go back to this young brother right here.
That's that is the the mantle of the deliverance minister. But the exorcist, they don't understand that revelation.
They said, "I need $5,000 for me to cast out your demon."
Don't that sound like a lawyer? A bar attorney, right? A British accredited registered attorney.
In order to set you free, in order to get you remedyed, in order to pres in order to give you that uh medicine, it's going to cost you, right?
You go to the hospital, you go to the doctor, they're going to give, they're going to prescribe something to you. But really, that prescription on that end, just like the prescription on the other end, because malpractice also, as I mentioned before, based on uniform bonding code, doesn't just uh pertain to doctors.
It is pertain to anybody that has taken an oath with their hand up to the sky saying that they have they will take this oath to defend right the people against all enemies foreign and domestic.
Roll with me on this. I want to see if you guys going to stick with me on this.
All right.
They only cast forth a demon, but they fail to cast out a demon.
They only cast forth, I'm talking about the exorcist. They only cast forth the demon by asking a demon to live. Listen, to leave. You don't ask demons to leave, right? So at the end of the day when you are coming in to court or you get anything is or any type of transaction let's deal with our daily transactions.
We're going to tie it all together.
Do does anybody that you know actually come out with the remedy and what they actually asked for or is there always something where you're meeting in the middle and then a NC ND or what do they call it non-disclosure non uh NDNC non-disclosure non-circumvent it comes into play and it's pretty much on the seal.
Nobody sees it. It doesn't make precedent. You never get to the point where a jury of your peers is going to make that judge bang that gavvel.
Complete and total remedy, repair and restore.
Never going to happen.
You command them to leave because the exorcist does not have the apostolic authority and power to remove the body outside of the sickness nor outside of disease because they don't have that revelation.
So in Luke 4:36, wait a minute now. Our authority doesn't come from Pope Leo.
Okay? Our authority doesn't come for out of Rome from the Vatican system. Our authority and power is from God himself.
So in now remember this right here, right? I know he's quoting scriptures.
This is a Supreme Court decision.
All codes, rules, and regulations are for government authorities only, not human creators in accordance with God's law.
Supreme Court decision right here. So there something in there that they are following, right, that they're subscribing to.
There was a prescription put out there that was given to them based on the authority whoever these people are in in the United States. These 13 United States of America that came in had to follow some orders from somebody or some group of people, some empire, some nation, some heads, right?
Just keep that in mind.
might be over your head, might not be.
Just take your time.
Luke 4:36 with authority. Now look, now look at the first six letters of the word authority. It's God. God, God, God, God, God all day. Raw God. Thank you, Apostle Sam.
It's not enough just to rebuke the weapon. Remember, but you must expose the accusation in the It's not enough to rebuke the weapon.
What is the weapon? The weapon at this point in time is those statutes and codes. Let's go back here. These statutes and codes. Why did the Supreme Court decide this in Rodriguez versus Ray Donovan? Why? Because whoever won this case, whoever won this case was being tried or being convicted of something based on statutes and codes and regulations that was not that he was not subject to, right? that he was not subscribing to.
They wanted him to subscribe to that, but he prescribed that he is not that.
And he put that forward.
Okay.
So these codes, rules and regulations that are for who?
Government authorities only.
Public officers as well. Anybody that takes a oath is considered to be a government authority because they were elected to do so. and those people that are beneath them that were appointed, hired within that system. That even goes to the woman at the window taking your piece of paper or just giving you direction as a a clerk or some type of uh customer service. They are bound by that because they are under those same things because they take their direction from the top.
Okay, so let's go back here. the lie.
Because if you don't expose the accusation in the lie, then you can do you can rebuke the weapon all you want, but you have to condemn the accusation.
Now, I just wanted to stay there with I want you to get you there. I did that before with with this with this uh with this brother and um you know I did it in a different one but this is like something new he just did not just too long ago.
But there you go. That is your conditional acceptance. It's a offer and counter and all the different things that that is going on. Right now what we're going to do is we're going to go over to these examples real quick. We're gonna jump over here. Wait a minute. Let me make sure that I There we go. Yeah. Yeah. Yeah. Yeah.
Yeah. We'll keep that there. All right.
Hopefully everybody doing Hit that like button. Share it out. Hopefully you guys are enjoying it. All right. So, what we're going to do is we went to there.
We went to there. We went there. We went to there. We're going to go to straight acceptance letter of credit.
tender acceptance credit letter of credit tender competent. All right, we're going to go there. We're going to come back there and we're going to go straight to 103, right? We're going to go to 103 acceptance. All right, we just going to breeze through this real quick.
Acceptance. And we're going to come down here to bill of exchange. Straight to it. an engagement to pay the bill and money when due. So this is acceptance.
They have a reference right here. They have a section dealing with bills of exchange contracts compliance by offeree with terms and conditions of offer.
Terms and conditions of off offer which would constitute an acceptance. Now let's go over here to 516.
516 which you have right here. And I'm going to move fast. Credibility, worthiness of belief. That quality in a witness which renders his evidence worthy of belief after the competence of a witness is allowed. The consideration of his credibility arises and not before credible. Worthy of belief entitled to credit.
See competency.
All right.
Now what we going to do is we going to go over here to 431.
We going to go to competent. Duly qualified, answering all requirements, having sufficient ability or authority, possessing the requisite natural or legal qualifications, able, adequate, suitable, sufficient, capable, legally fit. Competency, let's come down here. In the law of evidence, the presence of those characteristics or the absence of those disabilities which render a witness legally fit and qualified to give testimony in a court of justice. Applied in the same sense to documents or other written evidence.
Okay, that's competency. Now, what we're going to do is we're going to go down.
We're going to go to consumer.
Okay, we're going to come down here.
We're going to go to consumer. My bad. I forgot to bookmark that. But we're going to go down here to consumer because we're going to deal with something that you guys deal with every single day. Remember that was Jerome Power, the head uh the head of the uh Federal Reserve Board.
So, you're going to need to know what he's talking about, right? So, we going to come down here. We going to go to consumer.
Consumer.
Right there it is.
One who uses economic goods and so diminishes or destroys their utilities opposed to producer.
So this is what a consumer is by law.
This fourth This is uh Black Law Fourth Dictionary.
If you guys don't know, let me go back here. What is that? Let me copy and paste that.
This Black Law Dictionary, fourth edition, definition of the term and phrases of American and English juristprudence, ancient and modern.
There it is. Revised fourth edition.
All right. So, you know where we're at.
So this is what it is about a consumer right now when you're going in right you say you got consumer rights but in in in the words of in in the definition of consumer which these people know this is where you get to unfair practices and deception deception and unfair practices.
Consumer one who uses economic goods and so diminishes or destroys their utilities.
So as opposed to a producer, now just think about that. What does that mean?
If I'm coming in as consumer, do I want to be labeled a consumer?
But here we go. And in the in in the in the natural spot of what you consider to be a consumer, does it apply to those pre previous things that we actually have put together? Because if I'm the creditor and if I'm the one that's credible and I fall under those those definitions, would I be considered a consumer?
You see?
All right, let's get over to Tinder.
Let's go over the tender.
All right. Right here.
Tender. An offer of money. The act by which one produces and offers to a person holding Let's go up here.
claim or demand against him the amount of money which he considers admits to be due in satisfaction of such claim or demand without any stipulation or condition.
Down here you got the offer of performance not performance itself and when unjustifiably refused places other party in default and permits party bank making tender to exercise remedies for breach of contract.
So in the other words of this tender, the tender is also to offer the is to offer performance. So if I tender this to you, you are to perform something. This is where you get into the definition of what a donor is. And I'm going to jump over there real quick, but I'm going tell you this just for that. So when you tender, it's always have different examples of what that tender might be.
So if you tender something right it the tender is for performance and for payment and if they refuse they're automatically in default. You see you got the balance going on right. So bear with me.
All right. So we going to go to negotiate.
What is that? 1263.
All right.
Negotiable capable of being transferred by endorsement or deliveries. Delivery so as to pass to holder the right to sue in his own name and take free of equities against a signer payee.
So if I tender something and I send it over and they do not honor it, I have a right to sue.
Now at no point in time consumer is not in this position is pay or payee credit or debtor. All right. Now we're going to go over to where is my letter of credit at? We're going to go back over to 516. Right. We're going to go back over to 516 and we're going to go over to letter of credit.
Right. We got credit up. Where'd it go?
Credit go. Where'd it go? Where'd it go?
Oh, 517.
All right. So, we got credit right here.
Right.
All right. So, there we go.
There it is. All right. Letter of credit. An open or sealed letter from a merchant in one place directed to another in another place or country requiring him if a person therein named or the bearer of the letter shall have occasion to buy commodities or to want money to any particular or unlimited amount either to procure the same or to pass his promise bill or bond for it. To procure the same or to pass his promise bill or bond for it. Key word procure.
All right, we don't have time to jump around all these places. So, procure is is where it's at. But here we go. We got a promise, we got a bill, and we got bond.
All right.
The only way you're going to be able to understand that and make it work is if you understand these terms.
You got to understand these terms. If you don't understand these terms, it's not going to work for you. Because a lot of people put [ __ ] on paper, but if you can't spit it, you're done.
So, just know that people will be talking about, "Well, that [ __ ] don't work." It ain't working because it don't work for you because you don't know how to express yourself. And pretty much you probably got a yellow spine and you still think of those people as the authority. Now, now we going to come down here to where creditor at.
We already did that.
Okay.
The term creditor within the common law and statutes that conveyances with intent to defraud creditors shall be void includes everyone having right to require the performance of any legal obligation contract or guarantee or legal right to damages growing out of contract or tort.
All right.
So, now we're going to go over to 283, which is Bill 283. Bill.
All right.
Where my bill of exchange go? Bill, bill. Bill.
There you go.
Where'd it go?
You didn't give it to me.
Didn't give it to me.
All right.
Nevertheless, what we going to do is we're going to come over here anyway because I got it right here, which is the Negotiable Instruments Act.
Right. We got the NE negotiable instruments act. This is what you need to know. All right. If anybody's telling you that that this is not real, look it up. This is called the Negotiable Instruments Act 1881.
All I'm going to do is just show you.
Here's what it's dealing with. Chapter two of notes, bills, and checks.
Promisary note, bill of exchange, check, drawer, draw e, acceptor, acceptor for honor, paid, holder, holder in due course, negotiable instrument.
Right here you have right here, which is this is a notice of memorandum of law and points of authority. Somebody used dealing with the international bill of exchange, which is a notice of memorandum of law, points and authorities in support of international bill of exchange.
What it says right here, those who constitute an association nationwide of private unincorporated persons engaged in the business of banking to issue notes against these obligations of the United States do them whose private property is at risk to collateralize the government's debt and currency by legal definition. a national banking association. Such notes issued against these obligations of the United States to that part of the public debt, its principles and shurities are required by law to be accepted as legal tender of payment for all debts public and private and are defined in law as obligations of the United States on the same part in category with Federal Reserve notes and other currency and legal tender obligations. ations.
Okay.
Now, these have some that's involved. I'm not going to get into all of that, but what I want to do is go to the uniform commercial code.
Remember endorsement, right? The tender endorsement. So, we're going to deal with endorsement first, right? So, I showed these things at the end and I really didn't go into it, right? And the 3-205 you have special endorsement, blank endorsement, and you have a anomalous endorsement. So just know that endorsement is real. But what is that door endorsement and how does it apply?
Here it is.
If an endorsement is made by the holder of an instrument where the payable and then you can think about and see if you actually done this or if you done the other whether payable to an identified person or payable to bearer and the endorsement identifies a person to whom it makes the instrument payable to it is a special endorsement.
Now, what this is saying, so let's say I'm signing something and I sign it and I say pay to the order of pay to bear or I say pay to the order of Joe Blow uh Henry, right? Pay it off to Joe Blow Henry.
That means that that endorsement of that instrument, right? that instrument is now considered to be instructed and and endorsed specially I don't know if you guys remember special deposit right special deposit corporates jurist condundom volume volume nine banks and banking what I showed if you guys want me to show it I can show it but under the under the circumstances a special endorsement you have given specific instructions on what you want that instrument to be. Now, let's go to instrument. So, what we're going to do is we're going to come down here. We're going to go to instrument. We're going to find out what an instrument is.
What is an instrument?
What is an instrument?
I mean uh inra instrument. There it is.
Here it is. Okay. So this is an instrument, a written document, a formal a formal or legal document in writing.
So court filings, instruments, right? Such as a contract, deed, will, bond, or lease.
But remember a written document.
So anything in writing by law.
If you're sending off notices, demand notices, dispute notices on your credit, you want to dispute the credit and all this stuff these people are telling you, it's an instrument. And if you don't properly endorse it, they can use it as a what? negotiable instrument once you sign it. So when you sign these things, make sure that you let them know that this is not for legal tender. This is not this is non-negotiable. It's private. Non-negotiable. It's private.
It's not public. This is not for the public. This is not to be reissued. This is without prejudice. All the different things that you need to state to make sure you let them know because they will utilize that signature as an instrument.
This is the beauty of what people don't know about negotiable instrument law and HDR 192 in 1933 when they brought these things in and suspended the gold standard article 1 section 10 and article 1 section 8. The reason why they did that is so that way they can commit all these different underlying things, if I can say that.
All these underlining things without you knowing.
Remember what Jerome Pal just said, daily transactions.
He didn't he didn't discriminate daily.
All right.
So, anything reduced to writing, a document of a formal or solemn character, a writing given as a means of affording evidence.
So, when you do your disputes, right, I'm going to go I'mma go to the, you know, people, this is what people been on the internet and all this stuff.
Yeah, we can help you claim your debt and, you know, dispute your debt and get rid of this and get rid of that, boy.
You have to totally zero out that account. When I say zero, I mean zero.
Just you getting rid of that debt. A lot of people been paying money, they get rid of the debt that or get it off their credit report and the [ __ ] come back.
You know why? Because you ain't zeroed out the account.
There's so many different angles to what they're doing. Nobody knows, but they think they know.
What is there? Article one, article two, and article three.
What departments do you have out here, right? You got the Treasury, you got the Federal Reserve, you got the Treasury, uh you got the Internal Revenue Service, but really you got the Treasury. The Treasury is the regulations. The IRS is just the accounting branch.
And if you didn't know, the IRS is now under.
All right. Now, under the circum you have all these different aspects. You have your legislative, you have all your commercial activities, right? You have the UCC, the USC, the CFR. Then on top of that, you have your state laws.
All right? You have all these different aspects that people aren't covering. All people worried about getting something off their credit report so they can have a 750 credit score to do what? Get back in debt because you're still a debtor.
That aside.
Ah, so let's keep going. A document of writing which gives formal expression to a legal act, notice and demand, qualify written request or agreement for the purpose of creating, securing, modifying or terminating a right.
Let me read that again.
For the purpose of creating, securing, modifying, or terminating a right.
So when you send off that QWR, you send off that demand notice and dispute and all that stuff, what you're doing is you're renegotiating the contract. This is where we get back into what we're going to get back into the endorsement definition.
All right? So just keep that in mind.
Now it's saying in the law of evidence, anything which may be presented as evidence to the senses of the adjudicating tribunal.
All right.
Now, let's get back over here to endorsement.
So if it's not special, then what is it?
B, if an endorsement is made by the holder, remember right here 3-205 of UCC and that's article three. If an endorsement is made by the holder of an instrument and is not a special endorsement, it is a blank endorsement.
And remember yesterday, if nobody was here, if the people in here yesterday that's listening now, what I said was that when we did uh we when I say we group, when we do our we do audits, right? We do audits on mortgages, securization on instruments pretty much just on instruments. And when I say everything is an instrument, I mean everything is an instrument. I'm about to show you.
And it is not a special endorsement. It is a blank endorsement. All the audits that came back said it was endorsed in blank. Why? Because there was no specific instructions given.
So when you signed your name, it was not restricted and there was no order given.
But we say instructions or we give an order to do XYZ because you don't know that that application that that deed of trust that that uh uh pulling and service agreement that you're getting for the automobile that the thing that you're signing for the lights to turn on for the gas and all the other things that you're signing for the credit card. You don't know that. It's a negotiable instrument. It's a bill of exchange. You didn't know that.
But now I think if you're listening, you're getting to know it.
It says, but here's the caveat. When endorsed in blank, an instrument becomes payable to bearer and may be negotiated by transfer of possession alone.
may be negotiated by transfer of possession alone until specially endorsed. So what it's saying is is that may be negotiated by transfer. So, let's say you if anybody had a mortgage or anything like that, even a car or anything of that nature, or you just stopped paying your credit cards or whatever, and then it went it went into what they call uh uh it was Damn it. It's the word I'm looking for. Charged off.
So, they charged it off and then you got some other debt buyer, right? Debt buyer. Write that down. Look up a debt buyer and look up what debt buyers do.
You look at your state, there's laws against debt buyers and what they must do. Now, they they negotiate that. So, let's say on a house you owe $300,000.
You know what I'm saying? You ain't paid it yet. You got outstanding balance, whatever, with principal and interest, $300,000. You take that, they say, "Well, you know, they didn't pay in 90 days. Usually after three months, you don't pay. They go it goes into default." After default, what happens?
They go into what is considered to be a non-judicial foreclosure. I'm about to show you that in a minute how it looks.
And this is just California, what you call non-judicial foreclosure.
But what they do is they'll take that $300,000 and there's an insurance policy on it because you remember what I said, FHA loans, right? through HUD, you get these FHA loans and FHA is really just insuring these so-called loans that they're saying that these private these private banks are loaning you. But as I'm showing you right now, that's not the case. But what they're doing is they're flipping it into a purchase agreement in order to make sure that they gain some advantage.
That is what you consider to be a form of transferring all rights and titles or conveying through your endorsement in blank. So they're negotiating and transferring at that point in time it becomes a hot potato. But nevertheless $300,000 they'll get $150, right? So the debt buyer buy it for $150,000.
What they also do is they file a claim.
Remember I was mentioning schedule A of your uh um of your um preliminary title report. I'm going to show you an example of that too. It'll be worth $300,000 what you pay for the house. If it's $300,000 or if it's $500,000, well, let's just say $300,000. You bought the house for $300,000.
You don't pay over 90 days, 91st day, it becomes accounts receivable. Then what they do is they go file a claim and say, "Hey, this debt is no longer collectible or this or this securization instrument is no longer collectible." They haven't paid in 90 days. So 91st day, they take put a claim in with the uh insurance policy carrier and they get $300,000.
I mean, at the same time, they actually sell that debt, which they know is bad debt anyway, and really is contraband, for $150,000. So, they just made $450,000, but it's way less than what they'll be able to make over the long term, over that 30 30year period, which is that maturity.
All right. Now what this is saying though even though you endorsed it in blank you didn't you didn't specially endorse it you can actually go call these people requested to come back. Now this is what we talk about instruments right and that instrument we just read off the definition what that is. Now once you go and ask them now you have just claimed what? You have just claimed your right in that instrument. I want to see the original unaltered wet ink signature instrument. I need to see that immediately.
Why? I want to know if you still have it and I want to inspect it.
You don't tell them that you're going to endorse it specially. You want to see it. But most of the time they don't have it.
So if they don't have it, how can they enforce it?
That's a quick sidebar.
But if they do, let's say everything is all above board. They come and say, "Hey, we can meet over here at this bank down the street at this location. I'm going to show it to you right now."
Okay, cool. I want to look through everything. Where's my signature at? I want to make sure I match everything.
What I'm looking at right here, I want all the documents to add up. Let's say they all add up. Guess what?
What you doing? I'm specially endorsing this.
Now, the previous instrument that I signed is no good anymore cuz I just put an addendum to it. It just added something to it. Now I can take that instrument.
Okay, we going to get that copy. Yeah, let's get that. Hey, you know what? Um, where your notary at? Get your bank notary. I want this to be notorized and I'm going endorse it again, especially with that instrument. Bam.
Got it. All you get is an acknowledgement. You don't need a giraffe, none of that. It's just an acknowledgement of the signature and you have a witness with you to sign with you. Bingo. Here it is. Now, what we going to do now? Okay. I need you to go make me two copies of that and I need you to stamp them certified. Thank you.
Now, what are we doing? Here's your certified copy. I have a certified copy and I have my original. Where you going with the original? Home.
Bye. Well, it's No, it's mine. Thank you.
Now, what I need also you to do, I need you to pull all the information. I'm going to give you 14 days on a on an article 9 210 of the uniform commercial code. You got 14 days to bring me all authenticated copies of everything that was utilized. I mean everything. I mean your credit, my credit run, the application. I need all that. And I need it right here.
And where's my grant deed? Because I don't have my original. Where'd it go?
Who has it? I need that to come back to me as well because it's mine.
Because you know what I'mma do? I'm going to put an addendum to that because I'm going to accept that deed because I didn't get an opportunity to do it because it was not done in front of me.
So, I need to do an acceptance on that deed and get it amended and put it back into the recorder and we're good.
All right.
Good. Good. All right. Now, we're going to come over here to payment.
Since we're on UCCc3 right now, here's the definition.
3-602 payment A. Subject to subsection B, an instrument is paid to the extent payment is made by or on behalf of a party obliged to pay the instrument. and two to a person entitled to enforce the instrument. Remember, we got instrument here, right? We got instrument.
We know what an instrument is.
We got that. Now, if you don't have the original, let's say I've been paying for two, three years, four years, or whatever it might be. I've been paying for a little bit of time and something just comes to me say, "Hey, did you know?" No, I didn't know. Well, yeah, you can actually um you know request to view them documents. I can Yeah.
Well, how about this? Let me go ahead and do that.
Yeah. Cool. You don't have it. You have you don't have the right to enforce it.
Anybody can make a copy. You just set yourself up for forgery.
Contraband.
Interstate trafficking of contraband.
Rico.
Wait a minute. Wait a minute. This is just a little mortgage loan. Well, wait a minute. If it's contraband, it's contraband. If you do not have the original and you're showing me a copy of my signature and you're billing me, that means you have my social. You have everything.
You're reporting to the credit bureaus.
Everything.
Wait a minute. Hold on. I can go right here. I can pull out my social security card. The social security card says, "Do not give this number to anybody."
And when we ask for it, when we demand it back, you must give it back.
So that means, y'all in trouble. You know why y'all in trouble? Because I'm going to get in trouble cuz it's going to seem like I'm participating in the fraud.
And this is another thing they don't tell you in the courts, too. Because they know that you have given information you probably shouldn't have given and you didn't ask the questions.
But you can get out of that for the simple fact that it has been marketed and advertised itself and such. But that is considered to be false advertisement as well.
Number one, you came to me as a lender.
Number two, you're operating and stating in the public that you're the creditor and I owe you something and I did this, I did that. That is malfeasance, malicious intent, liable, and defamation of character. by the way.
So that's what I want to go to right there. Now remember we went to letter of credit, right? This is article five. These are definitions. We're going to go through these definitions. Some of these right here is the main one. Applicant everybody is an applicant.
applicant means a person at whose request or for whose account a letter of credit is issued.
So who's the creditor?
There it is.
There it is.
Let's come down here. What is a document? Means a draft or other demand.
Remember instrument got another word draft or other demand document of title or certificate of title investment security certificate. Oh, I just said that. Huh? Invoice or other record statement or representation of fact, law, right, or opinion.
Letter of credit means a definite undertaking that satisfies the requirements section 5-104 by issuer to a beneficiary.
So, not only are you a creditor, you're also the beneficiary. This is where they flip it over and you're going to see it in these documents I'm going to show you at the request or for the account of an applicant. Now, this is key. An account of an applicant.
Now, think about an account of an applicant. What do they ask you for in your application to get a house or to get anything? What are they asking you for? Just think about that. That's that's rhetorical. Don't answer it to yourself.
All right?
It has accept acceptance and it has value. So, these are there. Now, what I'm gonna do right now, I am going to pause for a second.
I'm going to pause for a second and uh take a quick deep breath and then we're going to come back to the my show and tell. Okay, appreciate everybody being here. I will look at the chats and but in the meantime, let's just take this quick break. It's going to be a quick one. We just hear my little a little elevator music and we going to be at it. Just give me a quick sec.
All right.
Now, let's go back here.
Everybody can see that this is really about what I want to show.
But uh here are the uh codes. This was dealing with the definitions what I was showing you what an applicant is right here.
payment right there.
Special endorsement right there.
All right.
All right. So, let's get to it. Right.
Now this is this is this is an issue that was that I that somebody let me utilize show and tell. Everything is redacted.
Everything is redacted that you would consider to be you know a issue later.
But if you guys can look closely under the circumstances, right, this right here is a preliminary title report.
All right, this is what you would consider to be a schedule A.
All right, this is what be what you would consider to be a schedule A.
All right. Now, this is setting the foundation of what you what we looking at right here. Everybody everybody everybody can view it, right? All right.
Let me put my camera on. All right. So, look. This is what you consider to be a schedule A.
In the preliminary title report, you'll see the title office email, title numbers, escrow numbers, everything right here. Property address right there. Effective date. That ain't going to hurt. Loan policy number. This right here, this has the amount, has names, and here we go. This is what this says.
The estate or interest in the land here and after described or referred to covered by this report is a fee.
Now, let's stop right there. Let's go to fee.
what that means. Okay, these are for the ones that might not know.
So, this is what you would consider to be a fee right here.
a charge fixed by law for services of public officers or for use of a privilege under control of government.
Okay, that is your first fee.
But that's not what we're dealing with.
We're dealing with estates.
Ordinarily, word fee or fee simple is applied to an estate in land, not property, not house, not home.
The term is applicable to any kind of readment, corporal or incorporal. Remember what I showed you about prescribe and prescription. Remember it mentioned corporal or mentioned incorporal.
Remember that. Right? So now we're connecting the dots. It's an estate.
Now it says and is all the property in thing referred to or largest estate therein which person may have. Now the property aspect of it is everything that is movable on that land and that is attached to that estate. The land is the immovable. Everything else which considered to be a fixture or considered to be movable.
But once it's attached to that land or it is on that land, it becomes a part of that land now andor that estate.
Now it says a freehold estate in lands held of a superior lord as a reward for services and on condition of rendering some service in return for it.
The true meaning of the word fee is the same as that of feud or thief.
We have feudal and in its original sense it is taken in contradistinction to a lodial to to a lodier. I think that's supposed to be a moodium which latter is defined as a man's own land which he possesses merely in his own right without owing any rent or service to any superior.
This is fee or fee simple.
Now when we come down here in modern English terms, now this is modern English terms, fee signifies in a state of inheritance being the highest and most extensive interest which a man could have in a feud. And when the term is used simply without any adjunct or in the form of fee simple, it imports an absolute inheritance clear of any condition, limitation or restriction to particular heirs, but desendable to the heirs general, male or female, lineal or collateral. Now keep this in mind.
Keep this in mind.
Let's go back.
So it says the estate the estate or interest in the land here after the estate or interest in the land herein after described or referred to covered by this report is a fee or fee simple or a lodial.
titled to set estate or interest at the date hereof is vested in that individual.
Got it.
Got it.
The land referred to in this report is described as follows. See exhibit A. I took that out. It says read and approved. The problem is they never signed it.
See, this is where the title company and all that does not inform whoever this is to sign it. Read and approve. Sign that thing.
It's not signed. It's blank.
Now, keep that in mind. So, we already know this title report right here, everything that comes after that is connected. Same situation.
All right. Bam.
Now, this right here, all that is recordable documents, that stuff is covered up.
As you can see, it's $4. So, you see it was a long time ago. Says, "No all men by these presents."
This is a homestead declaration.
know all men by these presents.
I such and such and such and such do hereby declare that I am the head of a family that I am da da da da da and have re residing with me and under my care and these are all the children under that that my family consists of said myself and children.
Now it says right here in this homestead declaration that the premises on which I do reside are that certain lot piece or parcel of land situate lying and being in the county of Sacramento state of California and bounded and described as follows to wit and that's the description.
Now look at this right here together with the dwelling house and the outuildings there on. I know it's it's it's small. I'm trying to get this thing. There we go.
All right. Together with the dwelling house and the out buildings there on that I do by these presents claim the premise I claim. See in homesteads that's what they did. They made claims but in the date right? So this was at a date five years after they bought the house and bought the land. Bought the land and the dwelling and all the fixtures on top of it. Let me say that correctly.
Dwelling house and the outbuildings there on as a homestead.
All right.
So just want you to let you know that.
Boom. Boom. Boom. There you go. Right there. And that's all the descriptions.
All right. Now that's a decorated homestead. There go land again. Just keep that in mind. There go land. Now this is a subordination agreement. Now, this subordination agreement, I just got this for a specific reason because it says right here that this agreement, right? This agreement made this date 2017 blah blah blah blah blah. Owner of the land.
Another acknowledgement. Owner of the land.
Okay, here and described and hereafter referred to as owner.
That's all I want you to see. All these instruments and everything is going with that. I'm showing you owner, owner, land, land, owner, owner, estate. That's what we know. Let's go to the next page.
Now, this right here is what a lot of people be talking about. This is what I'm showing you. I got them.
People could talk about it. People could put it on social media and say, "Yeah, this is how you do this. Do this." Got one. Not just one. I got 40.
But I wanted to not showing my stuff.
This is just somebody that somebody just shared with me. Okay.
Now, all this information, now this is a court case. All this information is dealing with a court case. Guess what they found?
There's a QIP number on it.
There is a symbol.
There is a fun name.
There is a QIP number.
Look how much money that is just on that case number.
Couple commas there.
Couple commas.
Let's keep going now. Here's another thing. Right. This right here is a trustees deed upon sale.
Now, these people got foreclosed on. And this trustees deed upon sale is the last thing in what you consider to be a non-judicial foreclosure.
Right? There's your trustee sale number, the order number, right? These are the people where it was recorded to. Here's the doc number. This how much they paid.
$101.
They paid $101 to steal Titan.
Now, in this trustees deed upon sale, there's the AP number right there.
Listen to the language here. Right?
Listen to this.
The undersigned grantor declares that the grantee herein, now this undersigned grantor, I blot it out, but they're saying that this individual actually sold the house.
This is what they say. The grantee herein is the foreclosing beneficiary.
Declares the grtor declares the grantee herein is the foreclosing beneficiary.
The amount of the unpaid debt together with cost was that amount. Amount paid by the grantee at the trustee sale was that amount. The documentary transfer tax is none.
Blah blah blah blah blah. Now, this is your substitution of trustee. I didn't put this in this presentation, but there's a substitution of trustee in there that this company that comes in and says, "Yeah, uh, they ain't paying us. So, we're going to appoint a trustee to take over for the sale."
But did you contact the grtor? Did you contact the homeowner, the owner of the land? No, you didn't. You just did this.
This is what is what you call in California, a non-judicial foreclosure.
They do not go to court to get these things done. They just follow as trustee. Where is so designated in the deed of trust here under more particularly described or as duly appointed trustee part? Yeah.
Particularly described or as duly appointed trustee. does by hereby grant and convey on behalf of the landowner who did not authorize this two and that's the name of the company here called grantee but without covenant or warranty. So there's no covenant and there's no warranty expressed or implied.
All right, title and interest conveyed to and now held by it as trustee under the deed of trust and all that information is out of there. All right. Now, let's go to the next page. Watch this.
What I have circled right here, it says I'mma come over here. Right. Right there. You want say duties reticard.
Okay. So, the state of California performed all duties required by the deed of trust, including sending it sending a notice of default and election to sale within 30 days. And we're going to look at that after its recording and a notice of sale. And we're going to look at that at least 20 days prior to the sale date by certified mail postage repaid to each person entitled to notice in compliance 2924b. And we're going to look at that.
Now, I got this part under here underlined. Notice default occurred as set forth in a notice of breach in election of sale which was recorded in the office of the recorder of said county.
There was none in there based on what was told to me.
There was a notice of default in election to sale under deed trust but there was no notice of breach in election to sale not there based on what I was given we trying to fix this issue right now.
All right so there we go. Now here's the next page.
Now in this final page, it says that such and such and such and such may be considered a debt collector. How about that?
Now this same entity that was supposed to be the appointed duly appointed trustee under the deed of trust is operating as a collect a debt collector said may be considered a debt collector attempting to collect the debt.
So what are these things?
All right, we're going to come down here and we going to go to this notice of trustee sale. I just want to show you that right there. There it is. There's the notice of trustee sale. All that information blotted out. And I want you to focus on this right here. This right here.
Now remember estate land in fe simple the owner right let's keep that in mind this individual will still considered the owner because those instruments have not be not been rescended by these parties that are doing what they're doing all they're doing is clouding title and utilizing the government entities to participate Okay. Now, it says right here, now this is under California Civil Code 2924 FB8 capital A lowerase F lowerase B 8 capital A.
If you are consider considering bidding on this property lane, you should understand that there are risks involved. Now, this is notice to the biders in bidding at a trustee auction. You will be bidding on a lean, not on the property itself.
Now, let's make common sense common.
Now, what does that mean to you? You will be bidding on a lean, not on the property itself.
So, what are you bidding on? Because we already know you're not bidding on the land cuz it says nothing in here about land at all. You'll be bidding on a lean, not on the property itself. So, if you're bidding on a lean, that makes the lean what?
Unsecured.
automatically without even looking at the notice of default. What we about to look at really we look at the declaration page of the notice of default.
Okay. Now, it says right here, placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.
Now, in this situation, I showed you the subordination agreement. the subordination agreement was that company subordinating themsel as a junior lean to the one that is over them.
That's what a subordination uh agreement does. It make sure if anybody's doing a refi, whatever on a house, if there's some other type of um helock or anything like that on it, they want it to be junior and the other side got to be agreeing to that. meaning the company.
So, not only is this uh unsecured debt or unsecured lean, it's also a junior lean. So, that means that the other side has to be paid off first.
All these things got to happen.
Just want to let you view that as well.
All right.
Now, this is the notice of trustee sale.
So, on the last page, it says what? The same thing.
It's a debt collection.
Now this is the declaration of mortgage serer pursuant to such and such right 2923.55 see it you have all these different boxes you can check but guess what it says no contact was made with the borrower pursuant to California civil code subsection 2923.55 because the above reference loan is not secured is not secured by a first lean mortgage or deed of trust that secures a loan or that encumbers real property described in California civil code 2924.15.
So how did they put in a trustees deed upon sale and how was there a conveyance? How is that possible? How is that absolutely possible that that happened?
All right. Now, let's keep going.
So, we connected the dots. You see the notice of trustee cell. You see the codes 2923.55 2924.15.
And for the sake of time, we'll go over that on the next one. But here you go.
It says it right here.
So, let me say this in closing. Hold on.
Let me keep going. Now, if you don't know, in California, right, in California, there was Assembly Bill 1418, right? This is connected to the government code, right? This is an amendment that was done and approved by the governor in 2023. All right.
All right. So, Assembly Bill 1418 says local regul regulations, con contact with law enforcement or criminal convictions.
Okay. Contact with law enforcement or criminal convictions.
Existing law prohibits a local agency from authorizing or requiring the imposition of a penalty against a resident, owner, tenant, landlord, or other person as a consequence of law enforcement.
Or emergency assistance being summoned by certain individuals, including a victim of abuse or crime as specified.
This bill will prohibit a local government from, among other things, imposing a penalty against a resident, owner, tenant, laword, or other person as a consequence of contact with a law enforcement agency as specified.
So right here, what we have?
So it says right here, where does it go?
Penalty actual.
All right.
Here it is. B.
A local government should not promagate, enforce, or implement an ordinance, rule, policy, program, or regulation affecting the tenency that does any of the following. imposes or threatens to impose a penalty against a resident owner, landlord, or other person solely as a consequent of contact with law enforcement agency. Requires or encourages the landlord to do or imposes a penalty on a landlord for failure to do any of the following. Evict or penalize a tenant because of tenants association with other tenant, another tenant or household member who has had contact with a law enforcement agency.
include a provision in a lease or rental agreement that provides a grant for eviction not provided by or that is in conflict with state or federal law. Now, this came out in 2023 in October.
Today, they are avoiding and going against this what this is saying in a nutshell. And there was there's an article that came out right around after that that says specifically that this right here is stops law enforcement. It stops government entities for you using law enforcement to evict people for any reason.
You must utilize the proper jurisdiction and be able to settle the situation because it's actually dealt with homeless situations too as well.
So, just wanted to show you that. Now, here's the last one.
Now, this rid of execution, right? They showed me this as well. This rid of execution has certain language in there. Listen closely.
So it says uh says right here, right? Because this is a whole admittance. The lockout was issued pursuant to a judicial writ ordered in Sacramento County Superior Court of a land owner for eviction.
Right? You see it right here. R execution unlawful detainer. Right?
Unlawful detainer.
So if you don't know what unlawful detainer is, that deals with landlord tenant jurisdiction.
So, these people actually went into a landlord tenant court and said, "We're the landlords. They're the tenants." And they utilized those instruments I just showed as their evidence.
And they also used a fake 90-day pair quit as if they were the landlord.
But right here it says, "Prior to performance of the lockout, county personnel receive instructions to proceed from legal counsel for the creditor."
So they're actually talking about this is from a creditor, not an owner, but a creditor.
So, somebody got got removed, physically removed and locked out of their off their land, pushed off their land, locked out of their home based on a creditor debtor issue, on an unsecured debt, that they can't even prove that they owned it. And on top of that, that they wasn't even in superior position or what you consider first lean position. Is that making sense? If I'm talking too fast, you guys get it. Just rewind it.
The instructions. Well, this is dealing with the bankruptcy and all that stuff.
But right here, it says it again. After successfully returning possession of the property to the creditor's agent.
Now, this blotted out right here is right here. This is a council. This is a legal counsel. This is attorney firm. They actually successfully returned possession of the property to the creditor's agent, which was counsel.
This is them. This is office of the county council. This is the county council for Sacramento County Board of Supervisors.
This is their This is the Sacramento County's council. This is their attorneys.
Now, you know, under the circumstances, if you got to put them on it, they mean they had to do it. Now, this came from counsel. So, you know, when council gets on it and they send you a letter, they know you have what? You have a lawsuit.
You remember I talked about instrument but I just wanted to show you that.
All right.
So under the circumstances what we got for right now. We're going to leave it right there. That's a lot of information. So I'mma leave it right there. What I'm going to do is I'm gonna open up the panel just for a little bit and then we'll be done. All right. So, I'mma put that in the chat. Hopefully, everybody enjoyed that or at least got some not enjoyed it, but got something out of it. And um I'mma pin it to the top.
Peace everybody. Peace everybody.
Okay. Message.
Hopefully it's making sense. Moving around.
Peace to everybody. What's up engine radio business?
Well, hold on.
I'mma mute I'mma mute you real quick.
Let me get through this business.
Who else is here?
King Chameleon, what's going on, brother?
All right, going on Tamila.
All right.
What's going on, D? What's going on, Derek? What's going on?
All right. Who else we got up here? Big dog, what's going on, brother?
All right, get back, Jub. you on the panel.
All right.
Oh, dude. What's going on, Nate? What's going on?
All right, that's far enough.
Go ahead. Come off mute. Come off mute.
You got to unmute yourself.
>> All right. Go ahead, brother. What's going on?
>> Oh, I can't call it. I just I hope hopefully somebody else comes up and chats with you because uh I was traveling and I was hitting and missing.
I heard you talk about prescribe again, but then I had to break away and um now I'm just getting back to the house where, you know, I could conveniently I could get out the chat, but that's not what it was about. But peace to the chat. Hope everyone had a good day. Um so I'm just uh I'm just here listening, bro. It looks like you did another good job, though.
You put it down.
So, what's the chat saying? Did you review the chat yet?
>> Yeah. Yeah. Yeah. It was It was decent.
What's going on, Rich?
Going on? Yeah. It's uh Yeah. I mean, good good responses. Good response. I was looking at everything.
Good responses. You know what I need everybody? Above a five, below a five.
I don't need a number. Just above a five, below a five. What you got?
Like I said, I'm not gonna be up here long. So, you know what I'm saying?
>> That's fine by me, but somebody better come up so they can chat and talk.
>> They don't They don't have to.
>> Okay.
>> They come, big dog. I'm just here.
>> Chill. They got questions in the chat.
I'mma look at the questions in the chat.
>> But yeah, it's cool.
>> Y How's everything going with you though, bro? How's everything?
>> Oh, man. Good. I got some things. I got my I got my thumb drive back. You know, I was pissed about that yesterday.
>> Oh, okay.
>> It was missing for five days at the at the Office Depot.
So, you know, >> that's what's up.
>> Yeah.
>> So, it's back. So, I'm happy about that.
Oh, could you tell if you get that doc I sent you out? That press I sent you out.
>> Just make sure they don't call my homie.
I I think that that cell phone might still be live for him. That was uh in 2003 to 2009. So, but he's an elder gentleman. I don't want to be bothering him. U I I realized on that uh press kit my number's um >> Yeah, they in the chat.
>> They in the chat.
>> Yes. And I said I sent it to him. So, yeah, just don't worry about that phone number. Don't call that phone number.
>> That was just for information.
>> Yeah, because that's that's old stuff. I was just what I was showing yesterday. I was showing you that was the business.
That was the building. if you look through the whole thing and um I wish you know back then you know it's so funny I will say this uh it was so hard I didn't know what to say Africanamean back then in 2003 when I put that together because I didn't know how the the community was respond you know so I could have just but I'm going to definitely update that because the goal is to is to um what I like to do joton is you we have a whole another uh level of freedom by by doing that clinic instead of under a federally qualified [ __ ] We do it under the Indian tribal organization because one of the things you worry about because I I wasn't worried about billing and stuff like that, but these people like to raid you and do all this [ __ ] get some first pl first uh cover page or uh um you know be on the newspapers saying they blessed someone for this money or that and I don't want to trigger any of that. So it's easier just to do what I would like to do again through but I want to try it through the tribal community I mean tribal organizational designation.
>> So that's to you I sent it to you.
>> No she said you sent it to me. Yeah I sent it to you. I sent it I sent it to you from my uh YHD smooth uh Gmail. So you got it.
>> Okay great man. I appreciate that. And um so we could, you know, later chat about that. I don't want to eat up the time with that, but that's something that would be dope to do because then we could keep it to the lineage and um because that was what the goal was back then. I was just trying to do mainly get my family members involved and you know the the senior kind of like the beekeeper style uh like my mom was doing. So I was trying to continue the tradition with that community style clinic. But that there was the um what that tells you all about the little uh the um non-invasive technology.
So um we'll you know hook up later on that.
>> Yeah. So before I get to Rod um >> you know mostly what I was showing was the non-judicial foreclosure process, right? And I don't know what you caught, what you didn't, but yeah, the non-judicial foreclosure. Now what what I have found was that everything that is done is unsecured right you know on the 91st day it becomes accounts receivable right >> it goes into the default and they file a claim on their policy >> so what what happened is is that what I found is that that so-called substitution of trustee they put in that is the debt buyer that's one who buys the debt >> and they're actually doing it and actually think making it seem like they're doing it in the name of that entity.
Now, reason why I I hinted to that is because when I beat American Express in court, >> the attorney firm was coming after me for the debt, but they was they was making it seem like they was coming in the name of American Express. But as soon as I as soon as I requested the unaltered wedding signature and I did the conditional acceptance on it for them to provide the information, boy, they dismissed that [ __ ] in 24 hours.
>> That's what I'm saying.
>> So when I So I applied the same concept, >> right? You I applied the same concept without looking at the instruments. When I looked at I said, "Oh, this same [ __ ] They're doing the same thing to this to these people over here.
And uh and you know when you press the line all the way through because you know when you're dealing with a house it's a whole lot different than you're dealing with a credit card. You know what I'm saying?
>> That's a whole that's a whole different animal.
>> So when you get to that point you saying Yeah. And then we was running title reports on the title report was saying that they still own the house but they but they was running some stuff in the background. You know what I'm saying? on the public side, but in the private side, they still own the house, they still own the land, everything. I mean, because if you got a Okay, homestead declaration, right? You got a homestead declaration already in place like in the 80s, >> okay?
>> You already got that. You bought it, you bought it in the 70s, got the homestead in the 80s, and then on top of that, you got it secured up under trust, and you got your declaration. You got UCCC finances statement filed, county, state, got all those things solidified.
I didn't mention all that in the presentation, but you got all that solidified. superior claim is cross but then you you but the non-judicial foreclosure instruments are actually showing that it's an unsecured debt right so in the notice of trustee sale in the notice of default election of sale under deed of trust in the even the trustes deed upon sale in the substitution of trustee it all says at the end of the day they're here to collect the debt and They're talking about property. They're never mentioned in land, right? So, in the schedule, when I was talking about yesterday, the schedule A, you know, and the preliminary title report, >> you know what I'm saying?
>> But even the notes, >> huh, >> would the property be those the instruments?
the property is the instruments, >> not the then the they're kind of like making it seem like it's the land or the house attached to the land, >> right?
>> But there's unsecured. So, how could What's the link?
>> The link is the security instruments.
>> The instruments. Yeah. Okay.
>> Yeah. But the reason why, you know, they created the non-judicial foreclosure process is to circumvent judicial process because they cannot show anything because those instruments is is is a detriment to them. But if you go over here to a landlord tenant court, you got five days to respond. And if you show up to that thing and tr even dispute that, you subject yourself to the jurisdiction, right? So you're actually saying I accept this jurisdiction.
It make sense.
Yeah, I get it. Right. So under under the circum under the circumstance I mean it's it's just a whole gamut. But they're they're also doing really you're familiar with real estate investment.
You know, you got you got you could do like a simultaneous close or double close or you also do an assignment at the same time, right? So, if you put the name and then you do and all successors and assignees, then that's that's a real estate in that's a that's a real estate investment transaction. So, you're actually petitioning, right? If we look at the like I was showing in black's law reason why I'm showing it like ple tenders and pleadings and and uh instruments negotiable all these things are utilized in on bunk right in in bank right what you saw in bank on the bench >> you got the clerk and then you got the judge acting as what as brokers >> in the deal with the other side they broker the deal on the other side and just just take it as I give it. You know what I'm saying? So, this is just, you know, how I'm looking at the whole issue. Then they say, "Okay, we got it."
So, now what they do is they do what?
They run through their whole gamut. They got you there, but then it's in realm, right? In realm means that it's just the body there. And the body is the property, the land. But we're not worried about you. You being here ain't got nothing to do with it. You're here, but you're not here.
And we already just running our whole play against you. At the end of the day, you're done. And then what do we do? We take it here. Then guess who else? We get involved. We get the sheriff involved. Another government agency.
>> Yeah. Yeah. That's a conspiracy for show.
If anybody doesn't know, now you know that the county boards of the county board of supervisors anywhere you're at is over. All of the courts, all of the judges, all of the clerks, every single last one of them, the sheriff, everybody, everybody's on the county board of supervisors, and that's where they get their check from.
See what I'm saying?
>> Oh, wow. Wow.
So when >> does the county board supervisors have a rep a rep in that transaction or it's just through you know like a hierarchy and they just delegate?
>> No >> through you got you got the county and you got the state. Remember remember you got you get your birth certificate you get a birth certificate certificate of live birth with a state stamp on it and you get a certificate of live birth with the county. It's three. It's three entities.
County, state, fed.
The city is not municipality. I mean, they might have something to it, but they have interest that birth certificate. They have interest then in in that. And they're supposed to show that you're having you're being used because you don't have any you don't have any um why do you say it? you don't have any you're not you're not your name is not being represented.
I mean you don't have any benefit with that name being in use, >> right?
>> And so you you could have them come as a joiner to the claim. So that that way how would that make sense? They would that wouldn't even be the right venue, I would believe, if the county is involved as a as a showing that it has interest in the actual property that's being foreclosed on.
You know what I mean? Right.
>> Exactly.
>> That's identity theft, >> right? So, not not not just identity theft, it's imminent domain.
>> Yeah. Yeah.
>> How can you execute something being a foreign agent, right? You're a foreign agent. You're in the foreign agent registrations act. You're an attorney.
You're you have a British accredited registration card, right? You got a card. Then on top of that, you're dealing with companies, mainly banks, and anybody that's dealing in these mortgages is NMLS situation.
All their in all their companies are registered in Delaware.
>> They either registered in Delaware or they're registered in in New York.
Correct.
>> Exactly.
>> Wow.
>> So, they're foreign agents. Now, I just showed I just showed I don't know if you saw this one.
>> Hold on. Let me >> So, that's the wrong venue. Then, like I said, that should be federal.
>> Let me pull this one.
>> You got them with in Delaware.
>> Hold on. Let me pull this one up, right? So, this right here is what you consider to be uh let me pull it. Where where you at?
So this is for USC section 72 public offices at seat of government and it says all offices attached to the seat of government shall be exercised in the District of Columbia and not elsewhere except as otherwise expressly provided by law.
So if that's the case what we doing right isn't that the wrong venue then? Exactly.
It's it's a diversity issue. They should be running these claims in federal court. This should be these should be going on in district court.
>> You got a landlord tenant situation that falls under Hood FA.
That falls under HUD. If you a landlord, you got to be registered with with HUD.
But here's the other issue.
This is this is why things are so messed up because they're using HUD. They're using FHA. You got Freddy Mack, Guinea May, Fanny May, all these subcorporations that's getting these government contracts through Sam in order to service these loans. But a lot of people don't get that these are people actually servicing the loan. On top of that, these people are executing these things in states that they're not even registered with because all states have a list of approved banks that are these approved banks that can service home mortgage loans. And when it says service, that's exactly what it means.
Service.
They servicing the loan, but they're telling you that they're loaning you money.
Wow. There's so much fraud, man. It's like that's so much that's above so many of the regular person's head, the homeowner's head, >> right?
>> That this is they'll never that's that's why they just roll over. Take the little $5,000 moving fee or the 10,000, whatever they offer and bounce because what you just described, you could have a hard time comp um expressing that. not expressing but convincing an attorney to go up there and and execute on what you said.
>> Right.
>> That's just that's just sad, man. Sorry to say it like that, but it's that's horrible.
>> I know. And they they running this gamut like every day, you know, >> every day.
>> I had showed I had showed where uh they had Jerome Pal up there. The dude was asking a question. He said daily transaction and he pretty much expressed it. So this is yeah this is this is what's going on here.
But under the circumstance I mean neither here or there the practicality of it. I mean people can fix their situation if they follow these steps. I mean I gave them some good steps where they can go gave them some examples. You know what I mean? And uh hopefully you can got they they they can go back look at that information and uh dissect it, be able to utilize it. At the same time, this is I'm not saying don't pay your bills.
Pay your bills.
Get it straight first.
Once you get it straight, then you make your decision. But pay your bills.
But what you need to understand is where you stand in the in this whole what you would consider to be contractual uh credit installment.
>> Uh >> so what you're saying don't be in dishonor of the fraud >> before you start your your >> Yeah. You are presumed to be uh competent in your dealings.
Yeah, >> that means you was competent in knowing that you was participating in fraud or was you competent in knowing that you got loan money and you you uh consented to that. And if that's the case, then you stay there and you let them know I'm going to continue paying this bill, but guess what?
You need to show me everything that I have because I have some questions.
asking questions. Ah. Ah. So basically, can you do an administrative process on them if they don't follow through? Like you give them you you do your let's say you know you give them your 30 days, your 10 days, your 30 days, your 60 days and then 90 days. You got a judgment as long as you're in honor of the fraud.
>> Absolutely.
>> I hear you. That's a good play.
>> You can do this. Couldn't what what do you call it? A mirror. Can you mirror what they will do? Can you file a claim against the insurance policy?
>> Pretty much. Yeah.
>> Yeah.
>> Yeah. I follow it. You know, that's a good strategy there. So that way you continuing for them to show that they're in they're in dishonor and you kept your honor and you've given now you flip the script and do like a counter claim and and you're basically doing administrative process that puts them a judgment against them in about 90 days.
>> Now, what would you think? Let me ask you a question.
Do you think every situation is different or are they pretty much all the same?
What would you say? I would say it's different because you got people that have town houses and they pay HOA fees and so they don't have any interest in the land um because they're paying someone else and they have an agreement just for the real estate on top. So I they could still do that piece with the unsecured loan, but I think it would be a little different because they don't they didn't, you know, they don't have that bifurcated type of situation where you got the loan here and then you got the land and you got this real estate on top of it. So they don't have that. So I would think that would be different.
>> But other than that, I don't I don't I think it's all the same when it's unsecured, >> right? Single dwelling, right? One to four units.
>> Mhm.
>> Now, what about a credit card?
>> Oh, that's easy. No.
>> Yeah, that's easy. That's the same.
>> What about a car loan?
>> Same thing.
>> Yeah.
>> I agree.
>> I just think it'd be different with a HOA involved.
>> Yeah. If you got HOA involved, that's a different situation.
But would would you say even in that even in that meta you still have a beneficial interest? You do because you could still more than likely go for that land patent that their land is on because none of these people have rights have that patent right.
>> Too much.
>> Oh my bad.
>> All right. So, all right. So, under the circumstances, yeah, you can still uh let's go back to beneficial interest.
>> Okay.
>> Right. So, they still got beneficial interest based off what?
The instruments and they gave some consideration up. They gave up consideration.
>> How?
sweat equity.
>> How?
>> How?
Tanto. How?
Come on, Tanto.
You got me going there. I don't know your endorsement.
Oh, you're saying Yeah. Yeah. Yeah.
Yeah. Yeah.
>> Yeah. Yeah.
>> You put it in play. You you you wrote the prescription. Okay. So, let's >> You donated it.
>> Uh, good. Yeah. In a way. In a way.
Okay. Let's let's let's pull this back up. Let's pull Let's pull up the uh Hold on. Let's pull up the UCCC3-205.
Right.
All right. Here we go. I got it up. Hold on. Let me share the screen.
All right. So 3-205 endorsement. Here it is. Article 3 UCC. Article three deals with negotiable instruments.
All right.
You can fact check that if you want.
But you have special endorsement, blank endorsement, an anomalous endorsement.
Now we know what special deposit is, right? So special deposit we know that special deposit creates a trust relationship but the special the special deposit gives specific instructions correct.
>> Okay.
>> All right. Gives instructions. So if we're given instructions right will >> exactly that's an example. That's one example. So, and special endorsement right here, here's what they call it here, a special endorsement.
So, it says right here, endorsement is made by the holder of an instrument where the payable to identify person or payable to bear and the endorsement identifies a person to whom it makes the instrument payable. It is a special endorsement. Is anybody ask both of you guys? Is anybody doing that when they sign their name?
Not know not knowingly.
No.
>> No. Not doing it at all.
Is anybody giving is anybody identifying a person when they're signing? No, they're doing blank endorsements. Thank you.
Thank you. So, with that blank endorsement, it says that they may negotiate.
Well, it's saying they may they may negotiate. I'm just going to say it a different way. They may negotiate by transfer of possession alone until specially endorsed. Right. So, so even after the fact, you can still do it a special endorsement, but until then, they can keep doing what? Assigning, right? So, in a mortgage, in my example, you can assign the mortgage, right? You can send it to somebody else.
>> Yeah.
>> You can keep moving it around. You can keep dealing cards, right? Keep dealing cards until it gets a special endorsement. That means it's in blank giving them just like a general deposit account. You're giving them full control.
So are they doing UCCC assignments when they're doing those assignments?
>> They got a >> Okay.
So there would be a UCCC claim on that then that should that if you do the check on it, you should see that. You should be able to see a UCCC file, right?
But every time they get they trade it to a new whatever pretender lender.
>> No.
>> Or service.
>> No. No. No. No.
>> No.
>> Okay.
>> In my in my in my in my research and looking at some of these things where I've seen they they not they not doing that. Well, they at least not doing it in the state where it's at. They might be doing it they might be doing it in Delaware.
>> Delaware. Yeah.
>> Maryland. They might be doing it in New York. But yeah, but you're checking whatever state you live in and you're not seeing anything, but you're not aware of that Delaware uh where that's where they all have to or New York where most of that's coming from.
>> Right.
>> Right.
>> Okay.
>> Yeah.
>> Yeah. They got around that. Check this out. They got around that in in a in a loans. Um this company was called astar and they weren't allow they weren't allowed to do loans in California. So it was like how are they doing this? But basically, they were they were selling they were assigning the the paperwork ASAP.
That's what I'm thinking because I've seen the paperwork saying they're not allowed to do loans in California, but they're marketing and and there's they're they're striking deals in Cali and then they, you know, move that paper to someone else real quick.
>> Exactly.
Doesn't that make that unsecured?
>> Yeah.
>> Once you once you separate the note.
>> Yeah.
>> It becomes unsecured.
>> Yeah. It's But but yeah, but it's >> been paid, right? It's been paid. If if you if you get a discharge, right? If you did uh what they call it, Dang, I always forget that term. What they put it on your credit report, it has been uh charged off. Charge off. If you get a charge off, that means they already been paid.
Oh yeah. Yeah.
>> Right. Right.
>> Okay.
>> You know what I'm saying? So, and I'm just going along with what you, you know, just adding to what you're saying is is is that's my main focus is unsecured. So, when you coming up into these courts, right, this is like special deposit. It's like special appearance type thing. Hey, I need to know what's going on. M >> if you coming in as a claimant then you need to make sure that you invoke right the proper jurisdiction and >> you're still in honor and you showing that you issued instruments that you exhausted your administrative process that you went try to verify everything you stayed you didn't you you still made your payments and all that stuff this is where the court is Crazy court is crazy on this. They were supposed to bench stop this administrative [ __ ] They supposed to be all functioning from constitutional level. And if you're operating, they supposed to be either constitutional or they supposed to be operating specifically from the UCCC. Contract law. You either got contract law or common law. There's nothing else.
Administrative law and all these other things. Administrative law and executive law. what you did with article one, article two is specifically for public employees.
>> That's it. Right? Remember, we got what we just showed in in in this example, what I showed on under uh title four.
So, my So, okay. So, my next question is this. If that's the case, you if that's the case to me, the win is already there. It's just a simple fact of what the judge is doing, right? So would you So my question to you, who is the medium between you getting remedy and and you getting railroaded? Who who is it?
the judge, >> right?
>> Uh, how you administrated?
>> I I already said you already got to win.
You're a real party. Once you bring your claim, your claim is in. So, who who's in between that?
>> Is he from another venue, though? Can you take it to a like take what that win is and then plop it in an an like a equitable court somewhere?
I mean what you invoke is what you invoke. You know what I'm saying? But let me ask Rod. Okay. Give me give me an example.
Give me example what you mean by how you administrator. Give me an example.
So it'll go into a trust and a trust can only be administrated structurally.
So the reason is uh negotiable because it's unsecured and and it's it's not structured properly.
So you'll put it in a trust where you could express it in a proper fashion.
Now, okay, that's a good one. That's a good one. So, let's let's let's say it like this.
My endorsement, right? Because we got endorsement up in there. Whether I endorse it specially or I endorse it in blank or it's an anomalous endorsement, I endorsed it. So, that mean my wedding signature is there. My name is there in likeness as it may be.
That's not good enough.
I need to set up a trust all other stuff.
>> Yes, I believe so.
>> You You believe it's good enough or you believe I need to set up a trust?
Uh I believe trust but I'm not for sure about good enough is this to be account for you can or I mean it's a claim so you win a claim there's come remedies once you win a claim right >> right >> so it would be a deposit in the account >> just split up in a way where you're like taking it from where the original whoever the I guess the contestant was, they they got the win. So now they're transferring it. So now it's it's got a clean title. So now you're transferring that asset out of that paperwork that they had um all those instruments tied it tied up with all those instruments.
So what so I I kind of believe that trust would be good too to do Okay.
Okay.
>> Because you have the authority to do it, >> right?
>> If you don't put it in the trust, it go back into the banker's hands and and it be negotiated through like the banker's uh perspective and it had to go back into their system.
Okay. So, that's on the screen. So, King Chameleon says, "You cannot represent yourself if your house is in a trust.
You have to have an attorney."
What stage?
That is that New York?
>> Uh, I don't know. I know New York is a real estate. You can't you can't do business. Do you know only lawyers can do real estate transactions in New York?
I don't know if that's the same thing goes for Kansas, Missouri.
>> Yeah, certain states your your your you need closing attorneys there. Attorney has to be I know it has to be in Georgia. I know in Georgia you need a closing attorney. I know my partner uh when he went out there for his daughter Yeah. They had an attorney there and boy did that attorney turn them over.
>> Boy, nice.
>> Yeah, they did a they did a uh I had him on the phone, too. He was He was He said, "What?" I said, "Hey, put uh uh put TDC on that thing." Everywhere they tell you you got to do something and it don't look right, put TDC on there. You know that's threat to arrest and coercion.
>> CDC.
>> Okay.
>> And you know that >> man they sold that note within a month.
After a month it was gone.
>> They sold it.
>> And that attorneys the phone number couldn't find it.
>> Wow.
But you know, I mean, I hear what you're saying though, Rod, but under under the circumstances now, under under I looked at case law, the the one thing they try to get away from, this is this is another avenue that the courts try to do when you do have a trust is they try to say, uh, you you need an attorney and they'll find case law on I'm like, "Wait a minute.
Rule 17, right? Rule 17, the federal rules, federal rules, civil procedure, rule 17 says the one that could bring a a claim, the only one that could bring a claim is the real party in interest." Now, the real party in interest is the trustee.
>> Right? If you if you look at bankruptcy law now, under bankruptcy law, the one that can bring the claim is the trustee.
You see what I'm saying?
Yeah.
>> And and that's just where it's at.
>> So that's that's what I would say in regards to that situation. You know what I'm saying? Like I know they say you need that, but you know, I'm like, uh, yeah. But I think that's a way for them.
Me, it's about precedent. They don't want people to set precedent if they're not an attorney. That's my thing.
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