“No, I’ll stand my ground
Won’t be turned around
And I’ll keep this world from draggin’ me down
Gonna stand my ground
And I won’t back down.”
Tom Petty & The Heartbreakers
(Op-Ed) — Lately, I have been getting a lot of telephone calls from folks who are (what I term is) at the end of their time in their currently-foreclosed property. For some strange reason, they elected to imbibe in Internet searches and discovered a video that I may have been involved in (such as InfoWars.com’s Alex Jones’s show), too late in coming. Most folks I know generally understand that when they find they can’t make their mortgage payments, they don’t simply go into “denial mode”, though many do. Most Americans are so uneducated as to what is really going on in the mortgage industry that we still are embroiled in foreclosures (at near record levels in the “sand states”) that continue to plague the American economy. I also find that since it’s an election year, most politicians are using this issue to their advantage in an attempt to sway voters into electing them so they can “fix” the problem. Unfortunately, most Americans “drink the Kool-Aid” of this nonsense, thinking that Congress will enact some legislation that will either save the banks or save the homeowners who have been screwed over by unscrupulous lending practices, allowing them to stay in their homes (very similar to a “holdover” or “tenant at sufferance”). This “Hail Mary” legislation is not going to happen folks … and I (like many other attorneys I’ve spoken with) believe that it’s all by design to financially suppress us!
Learning from past mistakes …
One of the reasons I wrote the book Clouded Titles is because I lived what I shared. I went through the same experiences that many of these recent callers are going through now. I knew I was in trouble with my mortgage because I could not sell the home for what newer homes were going for in my same subdivision. I decided to act before things got too crazy. I had a garage sale to raise some needed cash and I “broom cleaned” the residence, leaving all of the fixtures in place (unlike some desperate homeowners) and simply mailed the keys back to Ocwen. Had I known then what I later found out in my research for the book, I may have taken a different path.
I was a victim of what is known as a predatory “80/20 loan”. My mortgage lender knew that the house wouldn’t appraise for what I borrowed and after paying about $4,300 in closing costs and no down (stated income loan; it was 2003), I was saddled with payments totaling some $903.40 a month on my first mortgage (the “80” part) and $241.20 a month on my second mortgage (the “20” part) and this left me feeling slightly uncomfortable in my finances. It wasn’t even the house I really wanted. I had all of the typical symptoms of a predatory loan, yet I made my payments, right up until the point I deliberately and methodically did what is known as a “strategic default”. I also subsequently shared this in the book. I had another home to move into, as I was renting out another one of my houses I owned at the time (as an investment property) and the tenant was conveniently vacating since she was getting married and moving out of town. I had carefully planned my move despite all of the misconceptions of what was happening to me at the time. It wasn’t until late 2006, after I sold another primary residence of 13 months (ownership) that I figured out that may adjustable rate mortgage was all a “set up” for failure. At that time, I had no idea who MERS (an acronym for “Mortgage Electronic Registration Systems, Inc.”) was. After some thorough legal research, came to discover that I was not the only homeowner suffering from this “malady”.
MERS is what has made America “economically sick”!
Admittedly, MERS was created by the banks (and Fannie Mae and Freddie Mac) to advance the securitization schemes that many homeowners are fighting today. Most investors think that by buying a bank-owned “REO” property, they are getting a great deal, only to find out later that the chain of title to their property was full of suspect defects that a Chain Of Title Assessment (COTA) could have vetted. Sadly, most folks don’t find out about this “virus” until it’s too late to do anything about it. This is why we have so much “shadow inventory”, because the title companies are discovering the same issues that I have previously discovered, which continue to plague my personal past chains of title to all of the affected properties I was involved with. This does not really matter to the banks because: (1) they have the money to fight you in court; and (2) the MERS® System was all part of the overall design to make the banks even richer while placing American homeowners into a condition of financial suppression and involuntary servitude. Besides, most judges are so pro-bank that they won’t either listen to reason or allow discovery to vet the fraud. If I have learned anything from all of this, it is what to do NOT to make the same mistake again, while picking myself up and brushing off the guilt insolently placed upon me by my own ignorance.
Most people who have researched my past know about “my past” …
Frankly, you don’t know the whole story, despite whatever tainted media reports you might have come across. Read between the lines on this, because it wasn’t until I “caught flack” in the aftermath following the release of the OSCEOLA COUNTY FORENSIC EXAMINATION that the real picture became even more obvious regarding “financial suppression”, thanks to the efforts of the law firm representing Osceola County, Florida and the Osceola County Sheriff’s Department, who I believe was facing some serious “exposure” for wrongfully evicting thousands of homeowners (at $90 apiece paid to the Sheriff to perform the task of “tossing people and their belongings out to the curb”) based on suspect fraudulent documents which the Forensic Examination uncovered. Instead of investigating the contents of the report, the Sheriff’s office decided to investigate the examiners (as that was much easier to discredit the report by deflecting to other subject matter, as irrelevant as it was at the time). I literally could write a book about what happened to me in the “federal system” 15 years ago, where I learned even harder lessons about the “Patriot Movement”, which I know for a fact the U. S. Government has targeted and continues to target. I do not care whether the entire country knows that I plead guilty to one count of Conspiracy to Commit Mail & Bank Fraud in exchange for my testimony against the “Patriot Perpetrators” of the scheme because “demonization” is what it is, even 15 years later. My sentence was a $1,000 fine and 3 years probation. That sure doesn’t sound like the sentence that one would get if they were one of the “key perpetrators” in the fraudulent money order scheme, which makes the Orlando Sentinel less than honorable as a journalistic source, very far from accurate in its reporting of the matter, for which I hold them accountable as an ass puppet for the Sheriff, who has announced he’s not seeking re-election. Surprisingly, after the story ran, the reporter who wrote it reportedly “retired” from the paper. Go figure. He’s a scumbag journalist in my book and deliberately mixed his personal bias against the Clerk of Osceola County because he was spoon-fed by the Osceola County Sheriff’s office, who told him where to go look to dig up dirt on me and the Clerk, to deflect from the real truth of the report.
Also understand that my “past” has nothing to do with the “present day” and what the contents of the report revealed! This became obvious during my February 9, 2015 with Osceola County Sheriff’s detectives and the County Attorney, who I believe were “in cahoots”, working in concert with each other to prevent liability exposure on the county. In other words, no one wants to own up to being a responsible servant to the people; they’d rather deflect and smear others to cover up their own suspect misdeeds.
What’s even more puzzling is that the U.S. District Attorney for the Eastern District of Wisconsin (Thomas Schneider) had to resign his post because of some financial infidelity he got caught up in. Of course, none of this was reported by the Smutinel. The Orlando paper, which reported virtually every aspect of my past that it could, made sure that the Internet report put all of my honest, past business dealings on the Internet and connected them to their story, so anyone doing a simple search of my former honest business affairs would be immediately linked by the Internet to the resulting investigation/smear campaign involving the Osceola County, Florida Circuit Clerk, Armando Ramirez. This too was by design to financially suppress me because Google and the bots that search names and key identifiers find all of this stuff and expose it to anyone with a keyboard and a mouse. Let this be a lesson to all of you about the “usefulness” of the Internet as a demonization tool because all levels of the government use it to attack anyone who “tries to grease the squeaky wheel” of justice. So, inappositely, I have been demonized twice for something I was punished for 15 years ago just so the political pundits could “use my past” to smear the present-day Circuit Clerk, who I believe will be re-elected again because he did something no one else would rise to the occasion to do: Stand up for the little guy!
My “past”, for all intents and purposes, was irrelevant to the circumstances at hand, but considering the issues that led to my authoring of the 758-page, two-volume report, which is just a report and not an indictment, accompanied by an attorney opinion letter, which Tampa-area attorney Matt Weidner conveniently forgot to read in his alleged purview on Orlando’s Channel 9 interview when he claimed, “this report isn’t worth the paper it was printed on”. In my book, Mr. Weidner is as much of a “player” in this scheme as the Osceola County Sheriff is. His TV interview comments did not impress those homeowners “in the know” in Florida, who I believe lost respect for him as the result of his on-camera rantings for reporter George Estevez, who also apparently “has it in for” the Osceola County Circuit Clerk. It made Esteves appear as a pawn in the political scheme of things. I know one thing … Channel 9 and the Sentinel are on my “shit list” of shoddy biased journalism outlets.
But let’s look at the real truth here … since you’re so interested …
Back in 1990, I went through a bitter divorce. I was very distraught. That made me vulnerable. Like most folks caught up in the whirlwind of legal controversy, whether it be divorce or foreclosure, I too tried to research and ended up at a Patriot meeting where some individuals were talking about using “certified money orders” to pay debts, which they claimed was legal under the Uniform Commercial Code. They even had payoff letters from banks as proof! This seemed all rather rational at the time. Unfortunately, what they didn’t tell me was that the FBI was investigating them, which I found out after the fact. Because I bought a packet of information from them for $200 and attempted to use it, albeit unsuccessfully, I was caught up in their scheme as a co-conspirator, which eventually came to a grinding halt when they were all arrested and brought to trial. After sending out several of these money orders, I discovered no one cashed them and many of those sent me a letter telling me that from now on, I needed to send funds to pay my child support (which by the way is completely paid off, I no longer owe it) in the form of certified funds from a reputable bank. Again, my punishment was a $1,000 fine and 3 years probation, yet I was demonized in the local media by the U.S. Attorney (who later resigned office amidst scandal) who claimed I was “one of the original perpetrators”, when I fact, I was sucked into the “Patriot Movement money-order scheme” which I later found out has been floating around since the 1960’s! This is why I put in the book Clouded Titles a section on Patriot Movement arguments! I paid no restitution because unlike what the Sentinel made me out to be, no one cashed any money orders I sent out, which made the Sentinel’s article just another extension of demonization I went through over 15 years ago. Even Lynn Szymoniak, who runs The Housing Justice Foundation, stated that “it’s not what I did then but what I’m doing now that matters”.
After being “run through” the federal system, I discovered that U.S. Attorneys with an axe to grind have a propensity to “put words in their witnesses’ mouths”, especially if they want to cut a plea deal. I also found out that mail fraud, which I saw a lot of potential suspect examples of in the Osecola County Forensic Examination, was a 95% slam dunk for the prosecution, yet the FBI won’t investigate the alleged violators contained in the report, which constitute most of Florida’s foreclosure mill law firms who were part of a scheme to file fraudulently-manufactured assignments in the land records of Osceola County, Florida! In my book, this is criminal RICO and it reaches all the way up to MERS who I stated acted as a facilitator in the scheme by providing the business model to further it. This would also make Fannie Mae and Freddie Mac culpable as well and we just can’t have that now, can we?
Lessons Learned …
This is why I tell people NOT to get involved in Patriot Movement type schemes or arguments, and that includes the anti-tax, anti-government, anti-mortgage payment groups who advocate you don’t have to: (1) file and pay your income taxes; (2) the government is a sham and should not be honored; and (3) you can stop paying your mortgage payments once you file a TILA letter. 15 years ago, I learned WHY not to drink this “kool-aid” and have focused my work on doing legal research for attorneys. I can tell you with a certainly that the government is continuing to investigate these types of efforts! I can tell you with a surety that the U.S. Government has an arm of their justice system that has targeted anyone who publicly espouses any of these anti-anything philosophies I just mentioned, because it’s politically “dangerous to be right when the government is wrong”.
Many of these attorneys know of my past and still retain me to investigate and write pleadings in their cases, many of which have shut down the foreclosures! This is because of my research. If I was such “the criminal” as the Sentinel made me out to be, why then would U.S. Bankruptcy Court Trustees be recommending my book to debtors to read?
This “research” scares the hell out of the banks, which makes me even more of a threat. This is why attorney Al West and I have been going around the country doing Quiet Title Workshops, because if you don’t know the truth and where to verify it, you are at as much of a loss as I was back in 1997 when the federal government began prosecuting me for something I thought was legal. I filed a fraudulent concealment suit against the perpetrators in Wisconsin and this suit (filed in Tyler, Texas) made its way into the pool of evidence brought into the criminal trial in Wisconsin, which resulted in the convictions of four people (two of whom are now deceased). None of the defense attorneys at trial brought up the fact I had filed this lawsuit, otherwise, it would have spelled doom to their clients, most of which were found guilty anyway. You should also know that many attorneys I’ve spoken with thought I had a shitty defense lawyer, “less than educated” in the subject matter, or that the DOJ is famous for “stacking the deck” in multiple counts to force the intended target to spend all of their sums in defending themselves and forcing them to accept a plea deal to get out of all of the “stacked charges”. That too, I have learned, is by design. So, if you’re contemplating joining a “patriot group” … you’ve been warned. Fighting a foreclosure is your own personal war, not subject to these bullshit Patriot arguments! It’s a damned Article 1 contract you signed that you’re being held accountable for … just like a check or a money order! All of this is administrative, not constitutional in nature (excepting 1:10:1 of the U.S. Constitution). Fight it the right way or get the hell out of the fight! Don’t create bad case law for others!
The Tampa FBI still refuses to investigate the Report!
The FBI in Tampa decided not to investigate the matter based on its communication with the Osceola County Sheriff’s Department. The FBI won’t even talk to any of my team, yet compared to my 758-page report, the “notes” (totaling roughly 14 actual pages or so, a copy of which I am not going to release at this time, pending my desire to testify before a grand jury at some time in the future) the Sheriff’s Department made pale in comparison to the actual contents discussed in the report and reflect the fact that the report itself was never seriously looked at. I believe that politics came into play and that the law firm representing Osceola County ordered the Sheriff’s detectives to “make this go away”. I have to include that the US DOJ probably knew more than it led on of the report’s existence. Folks in Washington and surrounding areas, including Reston, Virginia (where MERS’s office are located), have been very quiet about this report as opposed to the near-full page advertisement MERSCORP CEO Bill Beckmann took out in the Austin American-Statesman following the release of the WILLIAMSON COUNTY REAL PROPERTY RECORDS AUDIT_January 29, 2013. It should be noted that since that audit was released, no less than 3 attorneys for the banks, named in the report, have verbally harassed the Clerk and her staff about the contents of the report, yet no suit has ever been filed, despite their veiled threats … because the Clerk will get discovery and they know it!
Well, the Osceola County report hasn’t gone away. In fact, since it was uploaded into “academia.edu”, it has been downloaded dozens of times by folks all over the country, including one attorney in Miami-Dade County, who told me he made reference to it in court, which resulted in the following ruling which you may be all too familiar with (or not): HSBC Bank USA NA v Buset_Final Order Granting Mtn for Involuntary Dismis…
I have been trying to help homeowners “fight the good fight”, which I believe has made me a target of every level of government. I must also add that many attorneys who have read the Osceola County Forensic Examination have contacted me and told me that the report is “right on” and “contains many parallels to items found within their own foreclosure defense litigation”, despite what Matt Weidner said on television. You and I both know he didn’t read that report, especially the attorney’s opinion letter at the end. Even Channel 9 didn’t get their story straight. Then again, it was all part of the demonization effort to “go after” Clerk Ramirez. None of the Orlando media can be trusted with this story because their efforts in tainting the report and its contents has made them biased in every regard, not only against me, but against every homeowner in America who can dial them in on the Internet or see this biased journalism on TV.
No matter what happens to me after all of this is over, I stick by the words of the song that started this Op-Ed piece. You should too. We all have made mistakes and made sacrifices at some point in time in our lives. I also served in the U. S. Army during the Vietnam conflict, but that wasn’t reported in the Sentinel either (honorable discharge). I took an oath to uphold, protect and defend the United States Constitution against all enemies, both foreign and domestic. Despite the fact I’ve admittedly made mistakes in my life which made me a disenfranchised citizen, I too, like the Osceola County Circuit Clerk, am “fighting for the little guy”. Both the Osceola County Clerk of Courts and Congressman Alan Grayson continue to support the contents of this Report!
No matter what happens to you in life, whether you’re the intended victim of foreclosure or financial suppression, you must learn to adapt and rise above your situation, as I have. No matter what the political hierarchy would like to do to silence me, I live by the lyrics, no matter what you may think after reading all of this piece. All the books I have written were authored for the purposes of helping all Americans fight financial suppression, so they could live as a free people. I believe that my goals run contrary to what the people running this government espouse. I am not “anti-government”, as I believe that governments are necessary to maintain peace, general welfare and the infrastructure of this country which we hold dear and I served on behalf of. You don’t have to thank me for my service to my country. I’m not here to pat myself on the back. I’m just here to tell the truth, the whole truth and nothing but the truth, so help me God!
Rise up! Share the truth with others! Get educated! Attend the upcoming workshops!
For additional late-night viewing, rent the movie, “Pump Up The Volume” (Christian Slater, Samantha Mathis) and look at the “response” that one is met with when you choose to “rise up”.