IF YOU FEEL LIKE YOU’RE ONLY GETTING HALF THE JUSTICE YOU DESERVE … YOU’RE NOT ALONE!

(BREAKING NEWS — OP-ED) — I have spent years doing research about the financial mess we have in America.  I first confronted this issue in the early 1990’s, when many of my friends (who were more creditworthy than I) would come to me, telling me they were “in over their heads” in credit card debt, on top of having to pay a mortgage loan.  In retrospect, my own personal situation wasn’t necessarily plagued by that same scenario.  Mine was figuring out a way to make an honest living by “working smart”.  People spend all their lives working hard, paying interest upon interest on a 30-year mortgage (mort = death; payments until death).  Now, student loans have taken the place of mortgages as the #1 stresser.  Why?  It may not be because we’re a nation of over achievers. It’s because we’ve been programmed by our parents who didn’t have it as good, wanting us to have it better than they did.  So what did they do?  Give us the ‘ol pep talk:  Go to school. Get good grades.  Graduate with a diploma.  Buy a car.  Go to college.  Graduate with a degree.  Get a good job.  Get married.  Buy a home.  Raise a family.  Work hard. Retire. Leave a legacy.

This all sounded well and good back then; however, the pep talk did NOT include financial education of the kind we’re used to.  Even today, what little financial education is taught in secondary and post-secondary education is severely limited.  They did not teach “CAR LOANS 101” in high school.  They did not teach “STUDENT LOANS 101” in high school.  They did not teach “MORTGAGE 101” in high school.  Hell, they didn’t even teach “CHECKBOOK 101” in high school.  Do they even teach this in college?  Not hardly.  Economics?   I had a Korean professor in college I could hardly understand, which made economics more boring than ever.  I still managed to learn something; but it wasn’t enough to sustain “real world living”.

Couple that with our national media and its advertising campaigns.  Look at what’s on TV today!  There’s more commercials for car loan financing, mortgage loan financing, buy now … pay later campaigns … than you can shake a stick at.  I know that sounds cliche, but have you ever actually watched these commercials and how you’re being baited?  Now imagine your kids are getting the same programming on prime time TV.  This is not only America’s problem.  This is a global problem.  It’s just that Americans have more disposable income than 90% of all the other countries in the world.  And what do Americans do?  Ask how many Americans how deep in debt they are and you’re just scratching the tip of what I call “the system of things”.

I will be discussing “the system of things” as part of my new, upcoming nationally-syndicated radio show:

After writing numerous books since 1995 (and having been exposed to radio since 1968), what else can I do to help make America a better place?   As with every endeavor, there are always going to be naysayers pointing fingers; however, the stuff that we will be talking about on THIS radio program is NOT intended to shock the conscience.  It is not “shock jock” radio.  These are 25-minute segments that discuss the very things that America is lacking, because 25 minutes is about all anyone can take because our “input stream” has been overloaded with indoctrinated “system diatribe” and developing this program was even a learning curve for me.  If you think this is going to be an Alex Jones-type program … sorry … I don’t make my life all about conspiracy theories, despite the fact that “the system of things” is full of them!  I do NOT support the Republican party.  I do NOT support the Democratic party.  It’s a single party system of oligarchs that control “the system of things” anyway.  Most of America just hasn’t noticed that yet.   Then there’s “deep state”.  Yes … that actually DOES EXIST!  It’s NOT a conspiracy.  It’s a bureaucracy.  It’s what is running this country, much of it unfettered and without immediate oversight or accountability.

To add to the dimensional quality of this program, I intend on taking up the online educational focus on chain of title issues through an 8-hour COTA Workshop.  I will share what research I have learned over the last 10+ years on my Clouded Titles website.  I know, it’s been long in coming … and I do not feel like conducting two-day events all over the U.S. that only produce a handful of Americans that have finally awakened to the truth about “the system of things”.   We have determined that two (2), four-hour teaching modules is what is necessary (with handouts delivered directly to you in your “inbox” in PDF format) can easily accommodate what many who have attended my previous classes call, “information overload”.  And we will make it affordable for everyone so that you can sit in the comfort of your home, on your computer, and get the real property portion of “the system of things” you didn’t get in high school (or even college).  And it won’t take up your whole weekend.  In other words, my 3-day COTA class will be streamlined into one day, because people have to work and support their families.   I will make this program available once every 3 months. These programs will not be all the same thing because “the system of things” changes from time to time … thus, there are updates to share, based on new research and case law.  I will have attorneys on the program from time to time because homeowners who are in trouble need perspective from a legal standpoint.  This is all part of the educational process.

Like credit reports, people need to check their public record files once every six (6) months to see what’s there.  Financial planning (PLAN B) is NOW required these days because we are headed for another cyclical recession despite what all of the talking heads on TV are telling us.  America has a Congress that is bipolar and self-serving.  You can’t run a country whose political hierarchy promotes “pushing back” (unintended consequences of violence) against others who believe differently than you about “the system of things”.  The “system of things” was created because Americans, as a whole, the body politic, ALLOWED IT to be created.   We worry about our toil and our last meal while our government tries to play “nanny state” games with us.  Why?  Because we’re not educated.  They are.  They think they’re better than us.  This is what an oligarchy is folks!  And we let them make us worry about what they’re doing when we should be concerned more about what we’re doing.  Our current behaviors are what is driving us into a “class war”.

Change starts at home.  Change filters out into your locale (be it unincorporated area, township, city, county, whatever ) because of the need to communicate with others besides those in your own household.  You have more control over your local government than you realize.  We spend so much time behind locked doors because our “pre-programmed condition of servitude” has caused us to hide in fear (and maybe even shame) because of what America has become.

If you think that complaining to the government will do you any good … you can forget that.  Government is too busy trying to figure out how to exist in such a way that you will be lulled into a false sense of security.  This is one of the reasons my new show is going to tackle both the legal and political angles, tying them together into social perspective so the average consumer will “get it”.

Justice begins at home.  It was handed down over centuries.  It’s called discipline.  If people were totally disciplined and walked in love, we wouldn’t need laws because everyone would be doing “the right thing”.  Because America is not a safe place to live anymore (don’t kid yourself if you think it is), Americans need to condition themselves to be more disciplined and that happens through education.  The betterment of our justice system begins with education.  Most Americans don’t even know what a “federal reserve note” is and what it represents.  Just ask any kid in high school if they know what it is.  You’d be surprised at what you’ll hear in response.  What’s in your wallet DRIVES the justice system (and we don’t even realize it).  That’s why we … as a collective body politic … need to get at the truth of what is going on and then deal with it in an appropriate, albeit civil manner.

The system revolves around the dollar … how it is made … and how it is spent.  Once you get a complete “handle” on that concept, your life will be easier and your “system of things” will change for the better.  Until then, the justice you think you deserve is like the glass half empty.   Every American is affected by it.   It’s a mindset that has to change if America is going to survive the recessions and political upsets of the future.

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WE SALUTE ANOTHER FALLEN COMRADE!

(BREAKING NEWS — CORAL GABLES, FL)

We have just learned of the untimely passing of attorney John Herrera, who diligently fought foreclosure actions in the courts in Broward and Miami-Dade Counties in South Florida.  I went to trial with John on two of his cases.  Magically, they both settled; however, it is unsettling that we lost a freedom fighter so young (aged 53, on August 3, 2018).

As you may remember, John received second and third degree burns to over 60% of his body some time ago in a barbecue grill gas explosion.   Afterwards, he went through multiple skin graft operations and walked with a cane afterwards and was never the same, health wise.  John graduated from St. Thomas University School of Law and was also in the U. S. Marine Corps.  I had the pleasure of hosting a COTA Workshop in his “war room” (where he conducted his depositions).  John was one of the few foreclosure defense attorneys who would speak up when a court judge attempted to help out the bank during a foreclosure trial (“Gee, your Honor, I’m glad I’m not litigating against YOU this afternoon.”).   Those who knew John know what a kind hearted man he was. He was a true fighter for the little guy.  He even twice lectured at our COTA Workshops in Orlando and was a pleasure to work with.  He was even more fun at dinner at Fleming’s, where he would made the chef do his steak blood rare, while imbibing in a single-malt McAllen Scotch.  John will be sorely missed.  Our condolences go out to his wife Anouk and his children during this hard time.

John will be sorely missed.  God Bless You, Mr. John Herrera.  You have crowns laid up for you in the big courtroom in the sky.

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WELLS FARGO GETS POUNDED BY U.S. GOVT FOR $2.09-BILLION … WITH A “B” … FINE!

(BREAKING NEWS / OP-ED) — 

Why are we not surprised?

Wells Fargo Bank, N.A. has agreed to pay the United States $2.09-billion for purposefully misrepresenting the quality of loans it sold to 118 individual REMIC trusts.

See the Settlement Agreement here: Wells Fargo RMBS Settlement Agreement (August 1, 2018)

We caution you that when checking into your particular REMIC, if in fact one of these named entities shows up in your chain of title, to have any related assignments reviewed by competent counsel (we have one if you don’t) who can testify as to the false and misleading statements contained within said assignment in court, should you be facing foreclosure.  Any bank attorney making oral misrepresentations and false statements in court regarding any one of the named REMIC’s (given the fact we don’t yet know if the actual investors are being reimbursed out of these settlement funds and to what extent) risks disciplinary action before their particular state bar.

As with the Bank of America Settlement Agreement, where 530+ REMICs were involved, put back has to be verified.  If investors received settlement money in exchange for dropping their claims, then WHO is attempting foreclosure in their name?   How were investors harmed if they settled?  This goes back to our intimation that the mortgage loan servicers are the actual parties foreclosing behind the scenes and that they should be taken to task for their misrepresentations, especially if assignments to REMICs are involved and MERS is involved.

Again, despite the intense discovery that would have to take place in order to prove such, limited discovery into the documents to demonstrate falsity or misrepresentation is a statutory offense in all 50 states.  Many states even offer civil conspiracy causes of action involving the creation of the assignments, including title companies and law firms whose names appear on the documents!  I don’t make these statements lightly.  However, given the nature of the last two workshops we conducted, you can bet the law firms for the banks should take a second look at what they’re pontificating in court, because things are about to get dicey!

For an explanation of the foregoing, please tune into City Spotlight-Special Edition on kdwradio.com this Friday night at 6:00 p.m. EDT to hear Dave Krieger and R.J. Malloy cover this scenario.  Click LISTEN NOW and wait for the program to start.  You might be either pleasantly surprised at what you hear … or in the alternative … totally shocked!

 

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FIFTH U.S. CIRCUIT RULES FHFA UNCONSTITUTIONAL!

BREAKING NEWS — OP-ED — This just received out of New Orleans … 

Collins et al v Mnuchin et al, 5th App Cir No 17-20364 (Jul 16, 2018)

The 5th Circuit Court of Appeals denied damage awards to three investors who claim they lost money as shareholders in Fannie Mae and Freddie Mac due to the toxicity of the 2008 mortgage markets and challenged the constitutionality of the Federal Housing Finance Agency.  The Fifth Circuit failed to award damages (as expected) to the investors but ruled that the FHFA, by its very structure was unconstitutional due to the way it was structured to act as a conservator for the two GSE’s and thus violating the Separation of Powers Clause.  You can bet that the FHFA will appeal this ruling to save its own ass.

As you recall, the CFPB met similar fate in a ruling issued by a federal judge in New York.  The ruling is here:

CFPB et al v RD Legal Funding et al, U.S. S.D. NY No 17-Civ-890 (Jun 21, 2018) 00890-Order

Why doesn’t any of this surprise me?  This is why we need public banking.  The U.S. Government has set up legislation to protect the banks under 12 U.S.C. but it shows a poor example of financial leadership when its own GSE’s operate without transparency, hiding behind a wall of assignments and secrecy in the land records.  Most people recognize that when you put money into an investment vehicle, you risk losing it, which is exactly what happened to the three investors who sued Fannie and Freddie through the FHFA.

Tough toodles on the investors, huh?  Why do people keep trusting that the U.S. Government is managed by sound financial policy when its own Congress is self-serving and bipolar in its very nature.  This is why we need public banking and to hell with the federal reserve.  We have one public bank (The Bank of North Dakota) that IS properly managed and is financially sound (which represents the interests of business and consumers in that State).   However, that being said, fiat currency is fiat currency and as long as we have Congress writing checks its body can’t cash, further driving us as a nation into debt, taxing its citizens into oblivion, using “Federal Reserve Notes” (promises to pay) as legal tender, this country is in trouble, because there’s nothing backing that debt.  We went off the Gold Standard in 1975 (thanks to Nixon).

Most people also do NOT recognize that Fannie Mae and Freddie Mac are administrators for their own REMIC trusts, despite the fact that when properties are converted by assignment and “alleged transfer” to a given GSE that it is likely that the actual REMIC it manages it never mentioned.  Thus, it raises suspicions that the quasi-government entities created to back the mortgage and housing markets are swindlers on paper!

MORE BREAKING NEWS — 

Tonight at 6:00 p.m. EDT, hear Dave Krieger and co-host R.J. Malloy on WKDW-FM Radio (listen live at kdwradio.com; click the LISTEN LIVE button and wait for the show to start) to discuss news of the day as well as what attendees are going to learn at this weekend’s Foreclosure Defense Workshop in Orlando, Florida.  What we’re teaching may shock you, but we’re talking “risk aversion” and this means something to state and local governments whose judges are ruling for banks using phony documents and making false misrepresentations through their legal counsel to steal property across America!  This is NOT for the pro se litigant, so don’t even try.  We have a “game plan” set into motion involving attorneys and specialized witnesses to do the “takedown” in open court!  This show is a MUST LISTEN!

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FORECLOSURE DEFENSE WORKSHOP IS JUST AROUND THE CORNER!

(ORLANDO, FL) — Join some of the nation’s top attorneys and Clouded Titles author Dave Krieger for another exciting two-day event!

We’ve made some changes to the event! 

You have two days to book your hotel room at our special discount rate!  July 10th is the cut-off date for that room rate!   Call the Hampton Inn & Suites – Orlando Airport and mention the Foreclosure Defense Workshop to get the special rate, but hurry … the room block is about to expire!

EVERYONE GETS A KEY! 

All attendees will receive a 32GB USB flash drive key (that you can put on your keychain) containing over 22,250 real property-related files on it, covering a wide range of cases and legal briefs, state specific resources, codes and statutes … this key is worth more than the admission price!   This was not mentioned in the first posting for this event!

We also have a new book order in … in case you didn’t notice!  That means those of you wanting to get Clouded Titles or the FDCPA book … we’ve got ’em!

For more information, CLICK HERE!

 

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