Offer to Pay for mortgages and other matters rev Feb 9, 2013 General Process 1.

SEND all of these letters to lender and EVERYBODY who has owned loan and participated in it. Services, Lender, Trustees, selling trustees, attorneys, etc. Do the homework. Prepare all of them at once in the bringing to print and send as the dates come to send each one. You can even print them out leaving dates open. It is always preferred to use notary presentment as well. 2. SEND Opportunity to cure and demand as the schedules indicate. This finalizes the administrative process. 3. Court Action Follow ups will be needed they will not respond correctly. We need the original note and trust deed, and the holder in due course to be present. Once the fail to bring forth the note and other things requested, YOUR record is the only valid record in the court. | A forensic securities audit listing the parties who owned the note, will likely show none of them are present and that assignments are likely fraudulent or incomplete. Shift the burden of proof onto them! That is all you are doing in honor, with an offer to pay. Stay on point. General Process This first section of documents includes examples of Offer-to-Pay (Mortgage Version) (see credit card version below, edit as needed). This first set is an Offer to Pay section used when you did not send a Previous Set Off Instrument was used (EFT etc). Send these letters using a notary witness/ presentment. Edit depending on your situation. Don't expect any real or valid response, or if they do respond. They will not likely respond with the valid records you require. They commonly use diversions and threats, vs evidence - keep this in mind. Anything less than the valid record is NOT a response. For example, if they don't send a note, is it a true certified copy? Does is have endorsement from all the assignees, thus showing the party coming after you for payment is the true party interest? Likely not. Their attorney or some other agent who was not present at the assignments cannot submit a valid affidavit (but they will try to trick you), if they were not present during the actual assignments. This is a common fraud seen in these cases. This would be revealed in a Securitization Audit, which you may need to order if heading to court. This is process creating a legal record admissible in court vs their typical hearsay responses, documents, or arguments. As long as you object to anything hearsay or simple statements or false affidavits they may submit, you keep-your-record as the only valid evidence record in the case. Object to anything else, then motion the court to dismiss their claim for lack of stating a claim for which relief can be granted, and possible fraudulent actions by their attorney or representatives. You record is all you need to win with.

This first section includes examples of Offer to Pay - Mortgage Version - see credit card version below, edit as needed. This Offer to Pay section is used without using a Previous Set Off Instrument was used (EFT etc). Send using a notary witness/presentment there are multiple versions here, depending on your situation. Use the following version that seems to apply to your situation as you understand it. This is creating a legal record, not a final solution. First Letter [name of sender] [street address of sender] [city, state and zip of sender]

GOOD-FAITH OFFER TO PAY THE TOTAL AMOUNT DUE

[Date of Offer to Pay] To all related lenders, servicers, and trustees c/o the President and CEO of: [name of payee] [addressee of payee] [city, state, and zip of payee] NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL RE: [Loan/Account No. #??????????????? To all related lenders, servicers, and trustees, c/o the President and CEO of [name of payee]: I, the undersigned, [name of sender], hereby makes this good-faith OFFER TO PAY THE TOTAL AMOUNT DUE. Due to the large amount of cash involved, and the need for accuracy, I reasonably need an itemized and Verified PAYOFF STATEMENT, including any and all, principal, interest, taxes, insurance, late fees, penalties, escrow fees, and/or other charges actually due and payable on a future date set certain. I also need the actual street address wherein I can bring the total amount of cash due, to exchange for my original Trust Deed or Mortgage and Promissory Note in order to lawfully complete and finalize this transaction. If this final transaction is to be held at a third-party escrow company, I will also

need to know their name, address, and phone number to be able to fulfill my part of the obligation in this good-faith final transaction.

I am also requesting that this material information be presented to me within a reasonable ten (10) days as time is of the essence. As of the time of the initial offer on _______2013 we also require to you to withdraw any negative items and/or correct and negative credit reporting activity as this matter as of the date of this offer, as this matter is effectively pending and possibly in dispute until the account is settled under the above stated terms. Failing do so so would be violation of the Fair Credit Reporting Act and subject you to serious monetary penalties. Sincerely,

[Full name of sender]

nd 2 Letter [name of sender] [street address of sender] [city, state and zip of sender]

NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH NEW GOOD-FAITH OFFER TO PAY THE TOTAL AMOUNT DUE
[Date of Offer to Pay] To all related lenders, servicers, and trustees c/o the President and CEO of: [name of payee] [addressee of payee] [city, state, and zip of payee] NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL RE: [Loan/Account No. #??????????????? To all related lenders, servicers, and trustees, c/o the President and CEO of [name of payee]: Again, I, the undersigned, [name of sender], hereby makes this new good-faith OFFER TO PAY THE TOTAL AMOUNT DUE. Under the American laws of Presentment, I am hereby presenting you with my DUE PROCESS NOTICE OF DEFAULT AND OPPORTUNITY TO CURE. Due to the large amount of cash involved, and the need for accuracy, this new Good-Faith OFFER TO PAY THE TOTAL AMOUNT DUE, is lawfully made with the reasonable condition of your Presentment to the undersigned, of an itemized and Verified PAYOFF STATEMENT, including any and all, principal, interest, taxes, insurance, late fees, penalties, escrow fees, and/or other charges actually due and payable on a future date set certain.

Again, I also sincerely believe that I have a right to see court admissible evidence that would prove that all Trust Deed and Promissory Note transfers from the original lender to the last purchaser were lawfully endorsed as required by law, rendering the last purchaser as the holder in due course, and not merely a holder, and thus has lawful standing to foreclose. Again, I also need the actual street address wherein I can bring the total amount of cash due, to exchange for my original Trust Deed or Mortgage and Promissory Note in order to lawfully complete and finalize this transaction. Again, if this final transaction is to be held at a third-party escrow company, I will also need to know their name, address, and phone number to be able to fulfill my part of the obligation in this good-faith final transaction. Again, I am also requesting that this material information be presented to me within a reasonable ten (10) days as time is of the essence. As of the time of the initial offer on _______2013 we also require to you to withdraw any negative items and/or correct and negative credit reporting activity as this matter as of the date of this offer, as this matter is effectively pending and possibly in dispute until the account is settled under the above stated terms. Failing do so so would be violation of the Fair Credit Reporting Act and subject you to serious monetary penalties. Sincerely,

[Full name of sender]

rd 3 Letter [name of sender] [street address of sender] [city, state and zip of sender]

NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH NEW GOOD-FAITH OFFER TO PAY THE TOTAL AMOUNT DUE
[Date of Offer to Pay] To all related lenders, servicers, and trustees c/o the President and CEO of: [name of payee] [addressee of payee] [city, state, and zip of payee] NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL RE: [Loan/Account No. #??????????????? To all related lenders, servicers, and trustees, c/o the President and CEO of [name of payee]: I, the undersigned, [name of sender], hereby makes this new good-faith OFFER TO PAY THE TOTAL AMOUNT DUE. Under the American laws of Presentment, I am hereby presenting you with my DUE PROCESS NOTICE OF DEFAULT AND OPPORTUNITY TO CURE. Due to the large amount of cash involved, and the need for accuracy, this new Good-Faith OFFER TO PAY THE TOTAL AMOUNT DUE, is lawfully made with the reasonable condition of your Presentment to the undersigned, of an itemized and

Verified PAYOFF STATEMENT, including any and all, principal, interest, taxes, insurance, late fees, penalties, escrow fees, and/or other charges actually due and payable on a future date set certain. Again, I also sincerely believe that I have a right to see court admissible evidence that would prove that all Trust Deed or Mortgage, and Promissory Note transfers from the original lender to the last purchaser were lawfully endorsed as required by law, rendering the last purchaser as the holder in due course, and not merely a holder, and thus has lawful standing to foreclose. I also sincerely believe that I am entitled to see admissible evidence that will prove all endorsements were not signed by people who were actually known as Robosigners. Again, I also need the actual street address wherein I can bring the total amount of cash due, to exchange for my original Trust Deed or Mortgage and Promissory Note in order to lawfully complete and finalize this transaction. Again, if this final transaction is to be held at a third-party escrow company, I will also need to know their name, address, and phone number to be able to fulfill my part of the obligation in this good-faith final transaction. Again, I am also requesting that this material information be presented to me within a reasonable ten (10) days as time is of the essence. As of the time of the initial offer on _______2013 we also require to you to withdraw any negative items and/or correct and negative credit reporting activity as this matter as of the date of this offer, as this matter is effectively pending and possibly in dispute until the account is settled under the above stated terms. Failing do so so would be violation of the Fair Credit Reporting Act and subject you to serious monetary penalties. Sincerely,

[Full name of sender]

th

Letter

[name of sender] [street address of sender] [city, state and zip of sender] NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH NEW GOOD-FAITH OFFER TO PAY THE TOTAL AMOUNT DUE
[Date of Offer to Pay] To all related lenders, servicers, and trustees c/o the President and CEO of: [name of payee] [addressee of payee] [city, state, and zip of payee] NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL RE: [Loan/Account No. #??????????????? To all related lenders, servicers, and trustees, c/o the President and CEO of [name of payee]: I, the undersigned, [name of sender], hereby makes this new good-faith OFFER TO PAY THE TOTAL AMOUNT DUE. Under the American laws of Presentment, I am hereby presenting you with my

DUE PROCESS NOTICE OF DEFAULT WITH AN OPPORTUNITY TO CURE. Due to the large amount of cash involved, and the need for accuracy, this new Good-Faith OFFER TO PAY THE TOTAL AMOUNT DUE, is lawfully made with the reasonable condition of your Presentment to the undersigned, of an itemized and Verified PAYOFF STATEMENT, including any and all, principal, interest, taxes, insurance, late fees, penalties, escrow fees, and/or other charges actually due and payable on a future date set certain. Again, I also sincerely believe that I have a right to see court admissible evidence that would prove that all Trust Deed and Promissory Note transfers from the original lender to the last purchaser were lawfully endorsed as required by law, rendering the last purchaser as the holder in due course, and not merely a holder, and thus has lawful standing to foreclose. Again, I also sincerely believe that I am entitled to see admissible evidence that will prove all endorsements were not signed by people who were actually known as Robo-signers. I also sincerely believe that I am entitled to see admissible evidence that will prove all endorsements were signed by people who had lawfully delegated authority to endorse such documents. Again, I also need the actual street address wherein I can bring the total amount of cash due, to exchange for my original Trust Deed or Mortgage and Promissory Note in order to lawfully complete and finalize this transaction. Again, if this final transaction is to be held at a third-party escrow company, I will also need to know their name, address, and phone number to be able to fulfill my part of the obligation in this good-faith final transaction. Again, I am also requesting that this material information be presented to me within a reasonable ten (10) days as time is of the essence. As of the time of the initial offer on _______2013 we also require to you to withdraw any negative items and/or correct and negative credit reporting activity as this matter as of the date of this offer, as this matter is effectively pending and possibly in dispute until the account is settled under the above stated terms. Failing do so so would

be violation of the Fair Credit Reporting Act and subject you to serious monetary penalties. Sincerely,

[Full name of sender]

Offer to Pay - Mortgage Version (see credit card version below, edit as needed) This section includes examples of Offer to Pay This section is used is situations only After a Previous Set-Off Instrument was used (EFT etc). Send using a notary witness/presentment. This is creating a legal record, not a final solution.

OFFER TO PAY THE TOTAL AMOUNT DUE

Letter 1 [name of sender] [street address of sender] [city, state and zip of sender]

NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH NEW GOOD-FAITH OFFER TO PAY THE TOTAL AMOUNT DUE
[Date of Offer to Pay] To all related lenders, servicers, and trustees c/o the President and CEO of: [name of payee] [addressee of payee] [city, state, and zip of payee] NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL RE: [Loan/Account No. #???????????????] To all related lenders, servicers, and trustees, c/o the President and CEO of [name of payee]: I, the undersigned, [name of sender], some time ago, made a good-faith OFFER TO PAY THE TOTAL AMOUNT DUE in the form of an Electronic Funds Transfer (EFT) Instrument. It is well documented that your officers, agents, or employees failed, refused, or neglected to either accept it, or reject it, according to well-settled Uniform Commercial Code (UCC) and American Jurisprudence procedures. Under the American laws of Presentment, I am hereby presenting you with my DUE PROCESS NOTICE OF DEFAULT AND OPPORTUNITY TO CURE. Due to the large amount of cash involved, and the need for accuracy, this new Good-Faith OFFER TO PAY THE TOTAL AMOUNT DUE, is lawfully made with the reasonable condition of your Presentment to the undersigned, of an itemized and Verified PAYOFF STATEMENT, including any and all, principal, interest, taxes, insurance, late fees, penalties, escrow fees, and/or other charges actually due and payable on a future date set certain. I also need the actual street address wherein I can bring the total amount of cash

due, to exchange for my original Trust Deed or Mortgage and Promissory Note in order to lawfully complete and finalize this transaction. If this final transaction is to be held at a third-party escrow company, I will also need to know their name, address, and phone number to be able to fulfill my part of the obligation in this good-faith final transaction. I am also requesting that this material information be presented to me within a reasonable ten (10) days as time is of the essence. As of the time of the initial offer on _______2013 we also require to you to withdraw any negative items and/or correct and negative credit reporting activity as this matter as of the date of this offer, as this matter is effectively pending and possibly in dispute until the account is settled under the above stated terms. Failing do so so would be violation of the Fair Credit Reporting Act and subject you to serious monetary penalties. Sincerely, [Full name of sender]

Letter 2 [name of sender] [street address of sender] [city, state and zip of sender]

NEW NOTICE OF DEFAULT AND OPPORTUNITY TO CURE, WITH NEW GOOD-FAITH OFFER TO PAY THE TOTAL AMOUNT DUE
[Date of Offer to Pay] To all related lenders, servicers, and trustees c/o the President and CEO of: [name of payee] [addressee of payee] [city, state, and zip of payee] NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL RE: [Loan/Account No. #??????????????? To all related lenders, servicers, and trustees, c/o the President and CEO of [name of payee]: I, the undersigned, [name of sender], hereby again, makes another good-faith OFFER TO PAY THE TOTAL AMOUNT DUE. Under the American laws of Presentment, I am hereby presenting you with my DUE PROCESS NOTICE OF DEFAULT AND OPPORTUNITY TO CURE. Due to the large amount of cash involved, and the need for accuracy, this new Good-Faith OFFER TO PAY THE TOTAL AMOUNT DUE, is lawfully made with the reasonable condition of your Presentment to the undersigned, of an itemized and Verified PAYOFF STATEMENT, including any and all, principal, interest, taxes, insurance, late fees, penalties, escrow fees, and/or other charges actually due and payable on a future date set certain. Again, I, also need the actual street address wherein I can bring the total amount of cash due, to exchange for my original Trust Deed or Mortgage and Promissory Note in order to lawfully complete and finalize this transaction. Again, if this final transaction is to be held at a third-party escrow company, I

will also need to know their name, address, and phone number to be able to fulfill my part of the obligation in this good-faith final transaction. Again, I am also requesting that this material information be presented to me within a reasonable ten (10) days as time is of the essence. As of the time of the initial offer on _______2013 we also require to you to withdraw any negative items and/or correct and negative credit reporting activity as this matter as of the date of this offer, as this matter is effectively pending and possibly in dispute until the account is settled under the above stated terms. Failing do so so would be violation of the Fair Credit Reporting Act and subject you to serious monetary penalties. Sincerely,

[Full name of sender]

Letter 3 [name of sender] [street address of sender] [city, state and zip of sender]

NEW NOTICE OF DEFAULT AND OPPORTUNITY TO CURE, WITH NEW GOOD-FAITH OFFER TO PAY THE TOTAL AMOUNT DUE
[Date of Offer to Pay] To all related lenders, servicers, and trustees c/o the President and CEO of: [name of payee] [addressee of payee] [city, state, and zip of payee] NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL RE: [Loan/Account No. #??????????????? To all related lenders, servicers, and trustees, c/o the President and CEO of [name of
payee]: I, the undersigned, [name of sender], hereby again, makes another good-faith OFFER TO PAY THE TOTAL AMOUNT DUE. Under the American laws of Presentment, I am hereby presenting you with my DUE PROCESS NOTICE OF DEFAULT AND OPPORTUNITY TO CURE. Due to the large amount of cash involved, and the need for accuracy, this new GoodFaith OFFER TO PAY THE TOTAL AMOUNT DUE, is lawfully made with the reasonable condition of your Presentment to the undersigned, of an itemized and Verified PAYOFF STATEMENT, including any and all, principal, interest, taxes, insurance, late fees, penalties, escrow fees, and/or other charges actually due and payable on a future date set certain. Again, I also sincerely believe that I have a right to see court admissible evidence that would prove that all Trust Deed and Promissory Note transfers from the original lender to the last purchaser were lawfully endorsed as required by law, rendering the last purchaser as the holder in due course, and not merely a holder, and thus has lawful standing to foreclose. Again, I also need the actual street address wherein I can bring the total amount of cash

due, to exchange for my original Trust Deed or Mortgage and Promissory Note in order to lawfully complete and finalize this transaction. Again, if this final transaction is to be held at a third-party escrow company, I will also need to know their name, address, and phone number to be able to fulfill my part of the obligation in this good-faith final transaction. Again, I am also requesting that this material information be presented to me within a reasonable ten (10) days as time is of the essence. As of the time of the initial offer on _______2013 we also require to you to withdraw any negative items and/or correct and negative credit reporting activity as this matter as of the date of this offer, as this matter is effectively pending and possibly in dispute until the account is settled under the above stated terms. Failing do so so would be violation of the Fair Credit Reporting Act and subject you to serious monetary penalties. Sincerely,

[Full name of sender]

Letter 4 [name of sender] [street address of sender] [city, state and zip of sender]

NEW NOTICE OF DEFAULT AND OPPORTUNITY TO CURE, WITH NEW GOOD-FAITH OFFER TO PAY THE TOTAL AMOUNT DUE
[Date of Offer to Pay] To all related lenders, servicers, and trustees c/o the President and CEO of: [name of payee] [addressee of payee] [city, state, and zip of payee] NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL RE: [Loan/Account No. #??????????????? To all related lenders, servicers, and trustees, c/o the President and CEO of [name of payee]: I, the undersigned, [name of sender], hereby again, makes yet another good-faith OFFER TO PAY THE TOTAL AMOUNT DUE. Under the American laws of Presentment, I am hereby presenting you with my DUE PROCESS NOTICE OF DEFAULT AND OPPORTUNITY TO CURE. Due to the large amount of cash involved, and the need for accuracy, this new Good-Faith OFFER TO PAY THE TOTAL AMOUNT DUE, is lawfully made with the reasonable condition of your Presentment to the undersigned, of an itemized and Verified PAYOFF STATEMENT, including any and all, principal, interest, taxes, insurance, late fees, penalties, escrow fees, and/or other charges actually due and payable on a future date set certain. Again, I also sincerely believe that I have a right to see court admissible evidence that would prove that all Trust Deed or Mortgage, and Promissory Note transfers from the original lender to the last purchaser were lawfully endorsed as required by law,

rendering the last purchaser as the holder in due course, and not merely a holder, and thus has lawful standing to foreclose. I also sincerely believe that I am entitled to see admissible evidence that will prove all document endorsements were not signed by people who were actually known as Robo-signers. Again, I also need the actual street address wherein I can bring the total amount of cash due, to exchange for my original Trust Deed or Mortgage and Promissory Note in order to lawfully complete and finalize this transaction. Again, if this final transaction is to be held at a third-party escrow company, I will also need to know their name, address, and phone number to be able to fulfill my part of the obligation in this good-faith final transaction. Again, I am also requesting that this material information be presented to me within a reasonable ten (10) days as time is of the essence. As of the time of the initial offer on _______2013 we also require to you to withdraw any negative items and/or correct and negative credit reporting activity as this matter as of the date of this offer, as this matter is effectively pending and possibly in dispute until the account is settled under the above stated terms. Failing do so so would be violation of the Fair Credit Reporting Act and subject you to serious monetary penalties. Sincerely,

[Full name of sender]

Letter 5 [name of sender] [street address of sender] [city, state and zip of sender]

NEW NOTICE OF DEFAULT AND OPPORTUNITY TO CURE, WITH NEW GOOD-FAITH OFFER TO PAY THE TOTAL AMOUNT DUE
[Date of Offer to Pay] To all related lenders, servicers, and trustees c/o the President and CEO of: [name of payee] [addressee of payee] [city, state, and zip of payee] NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL RE: [Loan/Account No. #??????????????? To all related lenders, servicers, and trustees, c/o the President and CEO of [name of payee]: I, the undersigned, [name of sender], hereby again, makes still another good-faith OFFER TO PAY THE TOTAL AMOUNT DUE. Under the American laws of Presentment, I am hereby presenting you with my DUE PROCESS NOTICE OF DEFAULT AND OPPORTUNITY TO CURE. Due to the large amount of cash involved, and the need for accuracy, this new Good-Faith OFFER TO PAY THE TOTAL AMOUNT DUE, is lawfully made with the reasonable condition of your Presentment to the undersigned, of an itemized and Verified PAYOFF STATEMENT, including any and all, principal, interest, taxes, insurance, late fees, penalties, escrow fees, and/or other charges actually due and payable on a future date set certain. Again, I also sincerely believe that I have a right to see court admissible evidence that would prove that all Trust Deed and Promissory Note transfers from the original lender to the last purchaser were lawfully endorsed as required by law, rendering the last purchaser as the holder in due course, and not merely a holder, and thus has lawful

standing to foreclose. Again, I also sincerely believe that I am entitled to see admissible evidence that will prove all document endorsements were not signed by people who were actually known as Robo-signers. I also sincerely believe that I am entitled to see admissible evidence that will prove all endorsements were signed by people who had lawfully delegated authority to endorse such documents. Again, I also need the actual street address wherein I can bring the total amount of cash due, to exchange for my original Trust Deed or Mortgage and Promissory Note in order to lawfully complete and finalize this transaction. Again, if this final transaction is to be held at a third-party escrow company, I will also need to know their name, address, and phone number to be able to fulfill my part of the obligation in this good-faith final transaction. Again, I am also requesting that this material information be presented to me within a reasonable ten (10) days as time is of the essence. As of the time of the initial offer on _______2013 we also require to you to withdraw any negative items and/or correct and negative credit reporting activity as this matter as of the date of this offer, as this matter is effectively pending and possibly in dispute until the account is settled under the above stated terms. Failing do so so would be violation of the Fair Credit Reporting Act and subject you to serious monetary penalties. Sincerely,

[Full name of sender]

For unsecured credit card debt edit and add based on these positions There are two terms I use when referring to credit card debt while addressing the bank's ability to prove up their claim...the monthly receivables as it relates to a securitization procedure and the underlying obligation. Ask the financial institution to show for the record as to whether or not they are the party and/or have the capacity to enforce the monthly payments and/or meet the prerequisites for the underlying obligation to be paid pursuant to U.C.C. 3-501(b)(2). The person making presentment must, upon my demand give reasonable identification and reasonable evidence of authority requiring payments. You might substitute this in these letters as it applies to you. My footnotes I draft in the demands for proof of claim read as follows: EXAMPLE: U.C.C. 3-501(b)(2) further states that the person making presentment (BANK NAME) also must, upon my demand, give reasonable identification, and, if presentment is made on behalf of another person, provide reasonable evidence of authority to do so. In other words, BANK NAME has to prove its authority to enforce payment on said numbered account(s) or its authority to act on behalf of someone else who has that right and is entitled to see proof that BANK NAME really has that status under the U.C.C. Until I have received all the requested information from BANK NAME, which to date has not been provided and most likely doesnt exist, I am not in dishonor or default of any alleged underlying obligation or payments demanded by your financial institution from either the past, present, or in the future and/or by any assignment and/or other entity at any time that has not authenticated and/or verified its right to make that demand. The law does not require me to tender payments to a company that makes demands, but refuses to, or cannot validate I owe it money or some form of legal tender. Furthermore, presentment is not effective until the presenter (BANK NAME) has reasonably satisfied all proper counter-demands of the person (this consumer) to whom presentment has been made. See Lawrences Anderson on the Uniform Commercial Code, 3rd Edition, [Rev], by Lary Lawrence, 3-501:12R.

OFFER TO PAY IN A COURT CASE OR AFTER A JUDGMENT HAS BEEN AWAREDED. EDIT AS NEEDED. INSTRUCTIONS (DELETE OF COURSE) : This offer to pay format is a conditional acceptance, upon proof of claim, as a good faith offer to pay IF they can answer all 8 question lawfully and completely. Stick to the proof of claim position. Nothing else. This way you are neither accepting nor denying, or not answering their claim. You are in honor and in position to request these items in order to comply. Then this is merely a standard Proof of Claim position if they don not comply, it is not denial to pay a tax.
Joe & Jane Adams c/o PO Box 32456 San Francisco, California [90003] Sent certified Mail# 4444 5555 6666 7777 UNITED STATES DEPARTMENT OF THE TREASURY INTERNAL REVENUE SERVICE

(send to any and all offices you are communicating with, copy ALL of them if in doubt)
1973 N. Rulon White Blvd. Ogden, Utah 84210-0021 RE: Regarding AUR Control XXXXXX DECLARATION Of Michael Smith FOR THE RECORD, the undersigned, Smith, hereby Declare that it is now, and has always been their lawful intent to always comply with all constitutionally valid laws, statutes, statutes at large, revised statutes, ordinances, codes, titles, manuals, resolutions, rules and regulations, along with all Constitutionally valid, Court of Record, Judgments, Orders, and Rulings that relate to them and their activities. They also sincerely believe that all governmental officers, agents, and employees are to be held to the same high standard, through their constitutionally mandated OATH OF OFFICE. Smith have recently discovered a major problem that is binding on the UNITED STATES, its DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE that needs good-faith clarification. It is hereby noted that Smith are, at this time, making a UNIFORM COMMERCIAL CODE (UCC) OFFER TO PAY any and all constitutionally valid taxes, penalties, interest, and other charges that may be due and payable at this time, subject to the UNITED STATES

DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE, squarely facing and addressing the above-cited material perceived major problem just discovered. Smith have been informed, and believe, and upon that information and belief herein Declare that they have been made aware of the constitutional binding Supremacy Clause of the original 1787 A.D. Constitution for the united States of America, found at Article VI, paragraph 2, to wit: "[1] This [federal] constitution, and [2] the [constitutionally valid] laws of the United States which shall be made in pursuance thereof; and [3] all [constitutionally valid] treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land; and the judges [located] in every state shall be bound thereby, any thing in the constitution or laws of any state to the contrary notwithstanding. (Emphasis added). Smith have also been informed, and believe, and upon that information and belief herein Declare that they have been made aware of the still-in-effect, original, Federal COINAGE ACT OF APRIL 2, 1792, which appears to be the only Constitutionally valid American law that precisely defined and still defines the American Dollar, which appears to be the only thing that the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE may require as a tender of any OFFER TO PAY for any Amount Due and Payable at any time or place. Smith, have also been informed and believe, and upon that information and belief herein Declare that the subject Constitutionally valid law, i.e. the still valid federal COINAGE ACT OF APRIL 2, 1792, at Section 20, clearly Declares the what the MONEY OF ACCOUNT shall be for the United States and all United States court and tax court proceedings, to wit: And be it further enacted , That the money of account of the United States shall be expressed in dollars or units, dismes or tenths, cents or hundreds, and milles or thousands, a disme being a tenth part of a dollar, a cent the hundredth part of a dollar, a mille the thousands part of a dollar, and that all accounts in the public offices AND ALL PRODEEDINGS IN THE [tax] COURTS OF THE UNITED STATES shall be kept and had in conformity to this regulation". (Emphasis added) Smith, have also been informed and believe, and upon that information and belief herein Declare that the subject Constitutionally valid law, the federal COINAGE ACT OF APRIL 2, 1792, clearly defines the substance, measurement, and quality of the American Dollar shortly before the above cited Section 20, that clearly states that anyone working at the United States Mint who may cheat on such measurements for his or her own personal gain, SHALL SUFFER DEATH. Smith, now must obtain an official UNITED STATES DEPARTMENT OF THE

TREASURY, and its INTERNAL REVENUE SERVICE determination of the following information BEFORE they may be required to submit the actual PAYMENT related to the above-mentioned OFFER TO PAY the requested Amount Due. We, in good faith, with this Tendered Offer to pay as consideration, I conditionally accept your offer to pay a tax or bill, upon proof of claim supported by complete answers to the following eight (8) good-faith and material questions be timely answered within a reasonable ten (10) days, so that we can honestly determine our obligation, duty, and responsibility associated with all of your billings, or in the alternative, we DEMAND the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE render the subject amount due as fully DISCHARGED, as a matter of well-settled UNIFORM COMMERCIAL CODE (UCC) American law and jurisprudence.

EIGHT (8) GOOD-FAITH and MATERIAL QUESTIONS MATERIAL QUESTION No. 1. What constitutionally valid American Law provides officers, agents, or employees of the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE with any constitutionally valid authority to record a Tax Lien Notice, on our private land WITHOUT a constitutionally valid Order from a United States, Article III, Judicial Department, Court of Record? MATERIAL QUESTION No. 2. What constitutionally valid American Law, has changed or made void, the above-cited constitutionally valid Federal Coinage Act of April 2, 1792, regarding the original MONEY OF ACCOUNT for the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE? MATERIAL QUESTION No. 3. What was the Date of Enactment of the more recent law that changed or made void, the above-cited constitutionally valid Federal Coinage Act of April 2, 1792, regarding the original MONEY OF ACCOUNT for the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE?

MATERIAL QUESTION No. 4. What was the Publishing Date of the more recent law that changed or made void, the above-cited constitutionally valid Federal Coinage Act of April 2, 1792, regarding the original MONEY OF ACCOUNT for the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE? MATERIAL QUESTION No. 5. What was the Effective Date of the more recent law that changed or made void, the above-cited constitutionally valid Federal Coinage Act of April 2, 1792, regarding the original MONEY OF ACCOUNT for the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE? MATERIAL QUESTION No. 6. Identify the Constitutionally valid law that allows the UNITED STATES, DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE, any constitutionally valid authority to place a lien or levy on the undersigned, or their private land, or to place a hold on a state issued license, pass, permit, or franchise, or garnish their wages WITHOUT a constitutionally valid Order or Judgment from a Constitutionally valid UNITED STATES, Article III, Court of Record, and thus convert the above-cited MONEY OF ACCOUNT into some substance or thing, other than that of the MONEY OF ACCOUNT OF THE UNITED STATES pursuant to its own Federal Coinage Act of April 2, 1792. MATERIAL QUESTION No. 7. What is the name and address of the governmental location where the undersigned can Demand and obtain a Certified Copy of the Constitutionally valid contract, quasi-contract, adhesion contract, or document in the nature of a contract, that the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE considers as court admissible evidence, that the undersigned has, at some time in that past, and while of a legal age, knowingly, willingly, intentionally, voluntarily, and freely, and after Full Disclosure of all obligations, duties and responsibilities, and with a Lawful Consideration Paid of at least one American Dollar in silver coin, applied for and received a governmentally created privilege

in the form of a taxable, regulatable, and auditable license, pass, permit, or franchise that would make them a governmentally recognized, tax payer, or a statutory or juristic Person. MATERIAL QUESTION No. 8. Identify the Constitutionally valid law that allows the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE, constitutionally valid authority to copyright infringe on the UPPERCASE straw-man names of MICHAEL SMITH, and Melinda L. Hagelgantz, which has a Declared unauthorized use, copyright infringement of committing and accruing a penalty of $5,000.00, per each infringement, in the MONEY OF ACCOUNT of the federal Coinage Act of April 2, 1792. Smith, hereby respectfully Demand the above requested eight (8) questions be squarely faced with eight (8) good-faith specific answers by a specifically identified and named UNITED STATES Attorney-at-Law who can show delegated authority to bind the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE regarding the subject alleged Amount Due to the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE, or in the alternative consider the alleged debt as DISCHARGED as a matter of well-settled UNIFORM COMMERCIAL CODE (UCC) American Law and Jurisprudence. Smith respectfully Demand that this good-faith communication and a copy of its timely response be permanently placed into their related Individual Master File for future reference if necessary. Smith respectfully Demand a prompt response to his above presented eight (8) goodfaith material questions within a reasonable ten (10) days, as time is of the essence. CONCLUSION This document is a valid tender of OFFER TO PAY, with all binding UNIFORM COMMERCIAL CODE (UCC) time related procedural mandates for all parties to this document. Executed by the voluntary act of Our own hands in Washington County and, dated this seventh day of the eleventh month, in the year two thousand and twelve, Anno Domini, in the Two-Hundred and thirty-sixth year of the Independence of the America.

__________2013 Joe Adams (Authorized Representative) __________2013 Jane Adams (Authorized Representative)

State of ____________ _____________________

County of _________________ on this ____ day of ______________, 20___, by

Subscribed and sworn to (or affirmed) before me, a Licensed Notary in the State of ____________________________, who proved to me on the basis of satisfactory evidence to be the person who appeared before me. x_____________________________________________ Notary Printed Name ________________________ My commission expires _______ 20__

INSTRUCTIONS (DELETE OF COURSE) : This offer to pay format is a conditional acceptance, upon proof of claim, as a good faith offer to pay IF they can answer all 8 question lawfully and completely. Stick to the proof of claim position. Nothing else. This way you are neither accepting nor denying, or not answering their claim. You are in honor and in position to request these items in order to comply. Then this is merely a standard Proof of Claim position if they don not comply, it is not denial to pay a tax.
Joe Adams c/o PO Box 32456 San Francisco, California [90003] Sent certified Mail# 4444 5555 6666 7777 UNITED STATES DEPARTMENT OF THE TREASURY INTERNAL REVENUE SERVICE

(send to any and all offices you are communicating with, copy ALL of them if in doubt)
1973 N. Rulon White Blvd. Ogden, Utah 84210-0021 RE: Regarding AUR Control XXXXXX DECLARATION Of Michael Smith FOR THE RECORD, the undersigned, Smith, hereby Declare that it is now, and has always been their lawful intent to always comply with all constitutionally valid laws, statutes, statutes at large, revised statutes, ordinances, codes, titles, manuals, resolutions, rules and regulations, along with all Constitutionally valid, Court of Record, Judgments, Orders, and Rulings that relate to them and their activities. They also sincerely believe that all governmental officers, agents, and employees are to be held to the same high standard, through their constitutionally mandated OATH OF OFFICE. Smith have recently discovered a major problem that is binding on the UNITED STATES, its DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE that needs good-faith clarification. It is hereby noted that Smith are, at this time, making a UNIFORM COMMERCIAL CODE (UCC) OFFER TO PAY any and all constitutionally valid taxes, penalties, interest, and other charges that may be due and payable at this time, subject to the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE, squarely facing and addressing the above-cited material perceived major problem just discovered. Smith have been informed, and believe, and upon that information and belief herein

Declare that they have been made aware of the constitutional binding Supremacy Clause of the original 1787 A.D. Constitution for the united States of America, found at Article VI, paragraph 2, to wit: "[1] This [federal] constitution, and [2] the [constitutionally valid] laws of the United States which shall be made in pursuance thereof; and [3] all [constitutionally valid] treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land; and the judges [located] in every state shall be bound thereby, any thing in the constitution or laws of any state to the contrary notwithstanding. (Emphasis added). Smith have also been informed, and believe, and upon that information and belief herein Declare that they have been made aware of the still-in-effect, original, Federal COINAGE ACT OF APRIL 2, 1792, which appears to be the only Constitutionally valid American law that precisely defined and still defines the American Dollar, which appears to be the only thing that the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE may require as a tender of any OFFER TO PAY for any Amount Due and Payable at any time or place. Smith, have also been informed and believe, and upon that information and belief herein Declare that the subject Constitutionally valid law, i.e. the still valid federal COINAGE ACT OF APRIL 2, 1792, at Section 20, clearly Declares the what the MONEY OF ACCOUNT shall be for the United States and all United States court and tax court proceedings, to wit: And be it further enacted , That the money of account of the United States shall be expressed in dollars or units, dismes or tenths, cents or hundreds, and milles or thousands, a disme being a tenth part of a dollar, a cent the hundredth part of a dollar, a mille the thousands part of a dollar, and that all accounts in the public offices AND ALL PRODEEDINGS IN THE [tax] COURTS OF THE UNITED STATES shall be kept and had in conformity to this regulation". (Emphasis added) Smith, have also been informed and believe, and upon that information and belief herein Declare that the subject Constitutionally valid law, the federal COINAGE ACT OF APRIL 2, 1792, clearly defines the substance, measurement, and quality of the American Dollar shortly before the above cited Section 20, that clearly states that anyone working at the United States Mint who may cheat on such measurements for his or her own personal gain, SHALL SUFFER DEATH. Smith, now must obtain an official UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE determination of the following information BEFORE they may be required to submit the actual PAYMENT related to the above-mentioned OFFER TO PAY the requested Amount Due.

We, in good faith, with this Tendered Offer to pay as consideration, I conditionally accept your offer to pay a tax or bill, upon proof of claim supported by complete answers to the following eight (8) good-faith and material questions be timely answered within a reasonable ten (10) days, so that we can honestly determine our obligation, duty, and responsibility associated with all of your billings, or in the alternative, we DEMAND the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE render the subject amount due as fully DISCHARGED, as a matter of well-settled UNIFORM COMMERCIAL CODE (UCC) American law and jurisprudence. EIGHT (8) GOOD-FAITH and MATERIAL QUESTIONS MATERIAL QUESTION No. 1. What constitutionally valid American Law provides officers, agents, or employees of the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE with any constitutionally valid authority to record a Tax Lien Notice, on our private land WITHOUT a constitutionally valid Order from a United States, Article III, Judicial Department, Court of Record? MATERIAL QUESTION No. 2. What constitutionally valid American Law, has changed or made void, the above-cited constitutionally valid Federal Coinage Act of April 2, 1792, regarding the original MONEY OF ACCOUNT for the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE? MATERIAL QUESTION No. 3. What was the Date of Enactment of the more recent law that changed or made void, the above-cited constitutionally valid Federal Coinage Act of April 2, 1792, regarding the original MONEY OF ACCOUNT for the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE? MATERIAL QUESTION No. 4. What was the Publishing Date of the more recent law that changed or made void, the above-cited constitutionally valid Federal Coinage Act of April 2, 1792, regarding the original

MONEY OF ACCOUNT for the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE? MATERIAL QUESTION No. 5. What was the Effective Date of the more recent law that changed or made void, the above-cited constitutionally valid Federal Coinage Act of April 2, 1792, regarding the original MONEY OF ACCOUNT for the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE? MATERIAL QUESTION No. 6. Identify the Constitutionally valid law that allows the UNITED STATES, DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE, any constitutionally valid authority to place a lien or levy on the undersigned, or their private land, or to place a hold on a state issued license, pass, permit, or franchise, or garnish their wages WITHOUT a constitutionally valid Order or Judgment from a Constitutionally valid UNITED STATES, Article III, Court of Record, and thus convert the above-cited MONEY OF ACCOUNT into some substance or thing, other than that of the MONEY OF ACCOUNT OF THE UNITED STATES pursuant to its own Federal Coinage Act of April 2, 1792. MATERIAL QUESTION No. 7. What is the name and address of the governmental location where the undersigned can Demand and obtain a Certified Copy of the Constitutionally valid contract, quasi-contract, adhesion contract, or document in the nature of a contract, that the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE considers as court admissible evidence, that the undersigned has, at some time in that past, and while of a legal age, knowingly, willingly, intentionally, voluntarily, and freely, and after Full Disclosure of all obligations, duties and responsibilities, and with a Lawful Consideration Paid of at least one American Dollar in silver coin, applied for and received a governmentally created privilege in the form of a taxable, regulatable, and auditable license, pass, permit, or franchise that would make them a governmentally recognized, tax payer, or a statutory or juristic Person. MATERIAL QUESTION No. 8.

Identify the Constitutionally valid law that allows the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE, constitutionally valid authority to copyright infringe on the UPPERCASE straw-man names of MICHAEL SMITH, and Melinda L. Hagelgantz, which has a Declared unauthorized use, copyright infringement of committing and accruing a penalty of $5,000.00, per each infringement, in the MONEY OF ACCOUNT of the federal Coinage Act of April 2, 1792. Smith, hereby respectfully Demand the above requested eight (8) questions be squarely faced with eight (8) good-faith specific answers by a specifically identified and named UNITED STATES Attorney-at-Law who can show delegated authority to bind the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE regarding the subject alleged Amount Due to the UNITED STATES DEPARTMENT OF THE TREASURY, and its INTERNAL REVENUE SERVICE, or in the alternative consider the alleged debt as DISCHARGED as a matter of well-settled UNIFORM COMMERCIAL CODE (UCC) American Law and Jurisprudence. Smith respectfully Demand that this good-faith communication and a copy of its timely response be permanently placed into their related Individual Master File for future reference if necessary. Smith respectfully Demand a prompt response to his above presented eight (8) goodfaith material questions within a reasonable ten (10) days, as time is of the essence. CONCLUSION This document is a valid tender of OFFER TO PAY, with all binding UNIFORM COMMERCIAL CODE (UCC) time related procedural mandates for all parties to this document. Executed by the voluntary act of Our own hands in Washington County and, dated this seventh day of the eleventh month, in the year two thousand and twelve, Anno Domini, in the Two-Hundred and thirty-sixth year of the Independence of the America. __________2013 Joe Adams (Authorized Representative) State of ____________ County of _________________

Subscribed and sworn to (or affirmed) before me, a Licensed Notary in the State of

_____________________

on

this

____

day

of

______________,

20___,

by

____________________________, who proved to me on the basis of satisfactory evidence to be the person who appeared before me. x_____________________________________________ Notary Printed Name ________________________ My commission expires _______ 20__