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One: the understanding necessary to fight your foreclosure is overwhelming. First a though
understanding of our history and who you are is very important to have. SO here is phase one the
Readers Digest version.
The Revolutionary war starts because the colonists didn’t feel King George was listening to their
needs and they weren’t being represented in Parliament. They didn’t like the taxes they were
paying, and they started issuing their own form of money, Colonial Script (paper money).

“The colonies would gladly have borne the little tax on tea and other matters had it not been that
England took away from the colonies their money, which created unemployment and
dissatisfaction. The inability of the colonists to get power to issue their own money permanently
out of the hands of George 3rd and the international bankers was the PRIME reason for the
Revolutionary War.”- Ben Franklin.

The King and his troops were sent packing and a treaty was signed about 1783 The Union was
formed, the Constitution was signed in 1787 and they give us a ‘Bill of Rights’. We are Human
Beings and as such have inalienable rights. Not ‘Lienable’. Think of a bird, can a ‘bird’ leader tell
another bird not to fly over your house? Does the dog pack leader demand those that follow him
to quit acting like dogs, or to bring food and lay it at his feet? Why should a man demand
everyone obey him and give up his natural tendencies to be a man? Soon after, court decisions
declare ‘we the people’ who did “establish and ordain” the government (in other words the
People created the Government) were individually Sovereign. Sovereign means we have no
superior authority above us. The only true LAW is the golden rule “do unto others as you would
have them do unto you” . It is repeated in at least 8 different religions around the world.

" the Revolution, the sovereignty devolved on the people; and they are truly the sovereigns
of the country, but they are sovereigns without subjects...with none to govern but themselves....".
CHISHOLM v. GEORGIA (US) 2 Dall 419, 454, 1 L Ed 440, 455 @DALL (1793) pp471-472.

. “Sovereignty itself is, of course, not subject to law, for it is the author and source of law; but in
our system, while sovereign powers are delegated to the agencies of government, sovereignty
itself remains with the people, by whom and for whom all government exists and acts.” Yick
Wo v. Hopkins 118 U.S. 356; 6 S.Ct. 1064 (1886)

. "The people of this State, as the successors of its former sovereign, are entitled to all the
rights which formerly belonged to the King by his prerogative." Lansing v. Smith, 4 Wend. 9
(N.Y.) (1829), 21 Am.Dec. 89 10C Const. Law Sec. 298; 18 C Em.Dom. Sec. 3, 228; 37 C
Nav.Wat. Sec. 219; Nuls Sec. 167; 48 C Wharves Sec. 3, 7.

. "The very meaning of 'sovereignty' is that the decree of the sovereign makes law."
American Banana Co. v. United Fruit Co., 29 S.Ct. 511, 513, 213 U.S. 347, 53 L.Ed. 826,
19 Ann.Cas. 1047.

So the status of ‘We the People’ created the Constitution and are superior to the federal
Government, as we are also the creators of the State Constitutions and thus superior to the state
Governments. Read the Preamables to the State Constitutions. Time marches on and in 1812 we
have another war with England. In 1865 things start to change radically. Lincoln far from being
a man of the People and protector of the Constitution decided those who entered into the contract
to form the Union, now cannot succeed from it. The Southern States succeed because they are
wishing to keep their ‘tax’ monies at home. Lincoln declared War and imprisoned 30,000
Northerners who rebeled against the War and denied them a Constitutional Right (Habeas
Corpus), so much for his worship of the constitution. Habeas Corpus is a demand to know the
legitimacy of the charges against you. The Federal Government institutes the first Income Tax
(on labor) in 1862 and it is revoked in the Supreme Court as being unconstitutional. The Feds
reinsititute it but it only applies to Federal Employees. The Soldiers are Federal employees. In
Lincolns reign he declared a state of War and emergency War Powers were instituted. The
Emergency War Powers shall go on indefinitely and we are under them still today. Every Court
in the land is under Admiralty Law (law of the Sea during War), and under the direction of the
Supreme commander of the Military (the President). Admiralty Law where you are guilty until
proven innocent is only supposed to apply to the Sea. There is a gold-fringed flag flying in every
courtroom signifying the military jurisdiction.1 The Congress declared the 14th amendment
passed, though it was not Constitutionally ratified (3/4 of the states have to approve for
ratification to apply). The 14th amendment states “everyone born in the U.S. and subject to the
jurisdiction….”, not everyone born in the U.S. IS subject to the jurisdiction of the U.S. (Federal
Government) and the 14th gave us ‘civil rights’ which the courts declare are privileges and not
RIGHTS. Rights cannot be denied, nor taxed. This is ostensibly to free the slaves but if there
was no 14th amendment the slaves would just become Sovereign like the rest of the People, there
would be no discrimination in status. The Supreme Court also decided about 1868? To declare
Corporations can have all the rights of People.2

"Corporations have been enthroned and an era of corruption in high places will follow, and the
money power of the country will endeavor to prolong its reign by working upon the prejudices of
the people until all wealth is aggregated in a few hands and the Republic is destroyed.” Abe
Lincoln 1864

Corporations were made into “persons” by the 1886 Supreme Court case called “Santa Clara
County v. Southern Pacific” and gave artificial ‘persons’ almost the same rights as
“natural” persons or simply a fictional entity (corporation) that only exists in your mind or on
paper could now sue in court and possess similar rights to a flesh and blood ‘person’. In Blacks
Law “person” can be flesh and blood OR corporate entity.

"Don't interfere with anything in the Constitution. That must be maintained, for it is the only
safeguard of our liberties." - Abraham Lincoln

Lincoln issued his own money printed by the Treasury called Greenbacks and John Wilkes Booth
killed him while his Secret Service guards mysteriously left their post. Just like Kennedy’s Secret
service driver slowing down after the first shot (see Zapruder film).

The Congress with no authority formed a private corporation named, "The District of Columbia"
(Corp. USA) in, The District of Columbia Organic Act of 1871. Reinvented in 1878.The
Congress forms a Municipal corporation, ‘USA, inc’. to have authority over Washington, D.C.
the 10 square miles where the Federal Government is based and any Territories. There are now 2
governments acting simultaneously, the lawfully elected government and the Corporation with
the same employees (congressmen, and senators). The purpose of this corporation was to carry
out the business needs of the government under the martial law aftermath of the Civil War. It

trademarked the names: "United States Government", "United States", "U.S.", "U.S.A.", "USA",
and "America".3

In 1907 the Banks cause a ‘Panic’ and the people were disgusted with the Bankers and Wall
Street. The elite Bankers meet on Jeykle Island to plot a new Central Bank, and in 1913 brought
forth the Federal Reserve. The Federal Reserve is heralded as the answer to greedy Bankers, and
their Wall Street cronies. The people are duped, it is voted in, on December 25th while all the
congressmen are home for the holidays and this country is taken over without a shot fired. The
Fed is never audited, and no disclosure of who the true owners are, even though every
corporation is required to list it’s ownership, is ever made even though it is a private corporation.

* May 1, 1776 Jesuit Professor Adam Weishaupt who was retained by Rothschild's completes
world dominance plan.
* 1776-1790: U.S. Independence - Free Banking -no formal central bank.
* 1791-1811: First Bank of the United States.
* 1816-1836: Second Bank of the United States.
* 1837-1862: Free Banking Era -no formal central bank.
• 1862-1913: System of National Banks
The Primary Owners of the Federal Reserve Bank Are:
1. Rothschild's of London and Berlin
2. Lazard Brothers of Paris
3. Israel Moses Seaf of Italy
4. Kuhn, Loeb & Co. of Germany and New York
5. Warburg & Company of Hamburg, Germany
6. Lehman Brothers of New York
7. Goldman, Sachs of New York
8. Rockefeller Brothers of New York

As we see it is mostly owned by foreign Bankers, it has no reserves, and is not Federal in
anything but name. They are given the encouragement to print money from thin air without being
called a counterfitter. Yet those that print counterfit money are creating paper bills, that are
accepted as having value when they are exchanged, and have no differences to those using
Federal Reserve Notes.

Initially to show it is sound, the Federal Reserve note states upon it, it can be redeemed in gold at
any Bank. The Fed is completely unlawful as the Constitution states at Article 1, section 8 under
‘Powers Granted to Congress’ “to coin money and regulate the value thereof”. If only Congress
can do that, how can they give that authority to a private corporation? Congress alone is
authorized to ‘declare war’, so could they lawfully give that authority to say, Halliburton? Once
again in Article 1, section 10 the states cannot “make anything but gold or silver coin a tender in
payment of Debts”. These Constitutional requirements have never been amended or repealed
don’t forget. The Federal Reserve a Private Bank, issues a private form of ‘money’ and circulates
it as ‘money’ yet the government does not arrest them for doing it, Why?

In 1933 the Federal Reserve who cannot create ‘money’ (and it doesn’t, it creates a private
currency) unless it is requested in the form of a loan, whether from an individual, or from the
Federal Government, had created enough money from thin air and loaned it to the Government
that the Federal Government went Bankrupt to the Fed. The Fed required the interest to be paid in
Gold. The Fed becomes the new owner of the Government. Roosevelt issues a presidential
executive order that only applies to those that the Corporation operating as USA, inc has
jurisdiction over (Federal employees, and those living in Washing D.C., Puerto Rico, Guam, The
Virgin Islands and American Samoa) but the media fools the population into thinking it applies to
everyone. The order demands everyone turn in their gold and Congress passes legislation HJR
192 that makes it illegal to demand gold in payment.

On June 5th,1933 HJR 1925 was passed stating: ”Every obligation, heretofore or hereafter
incurred, whether or not any such provision is contained therein or made with respect thereto,
shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time
of payment is legal tender for public and private debts.” Gold could no longer be required in
any contract for payment of Debt. FDR demanded everyone turn in their Gold through an
Executive Order. From now on everyone is a Debtor as there is no way to pay for anything under
the Constitutional requirements. Since the Constitution only allows gold and silver as legal
tender, the States are immediately defunct, as they can’t pay their employees in legal tender and
they become Corporations under the umbrella of USA,inc.. In fact there is no separation now
between the USA,inc and the STATE or the CITY or the COUNTY. All capital names signifies a
corporate entity. Ever notice how all the Statements that come from the government addressed to
you are in all capital letters? You the Sovereign flesh and blood man/woman have a
corresponding Corporation attached to you. It’s called a strawman –JOHN HENRY DOE instead
of John Henry Doe. Your social security #, your Driver’s license, your Marriage license, any
License, Bank account, Utility Bills, etc all have your strawman name on them. In 1933
Roosevelt started Social Security. And everyone became ‘collateral’ to be used to borrow
against, by the UNITED STATES government. We are ‘HUMAN RESOURCES’, the
government was broke, bankrupt, and needed to be able to borrow. Our Birth Certificate became
a ‘registration’. The cunning lawyers found the loophole in the Constitution that allowed them to
make ‘slaves’ of sovereigns. Under the Constitution there is no restriction on entering into
‘Contracts’ and it is though these contracts we give up our sovereignty. If you sign an agreement
at work that your boss can come into your home and inspect your computer, that agreement is
more powerful than your 4th amendment “general” right to privacy in your personal effects at
home. You are presumed to know you gave away a specific right when signing the agreement.

Let’s study the lawful elements of a Contract: 1. There has to be a ‘meeting of the minds’ or
another term for this would be ‘full disclosure’. Bob is washing his 2007 Cadillac out front and
tells Jim he needs money and will sell him ‘his car’ for $4,000. Jim happily gives him the $4000
and Bob walks him around to the back of his house and hands him the keys to his old Toyota.
There was no “meeting of the minds” or Full disclosure, so the contract is void. 2. There has to
be ‘consideration’ exchanged by both parties. Something of value needs to be exchanged, and
that can be a ‘promise to pay’, or ‘giving up a right’, or something else. 3. Both sides must sign a
wet-ink signature as that is the evidence of commercial liability (you can be sued) for each party.
IF only one party signs, it is a unilateral contract and the signing party can revoke at any time.
Speaking of revoking a contract, anyone can revoke his signature on any contract at any time as
long as they are not running out on an obligation. Let’s say I contract with you to accept 1000
loaves of bread and pay you back $100/month for 12 months, I receive the bread but decide to
rescind my signature after 3 months. That won’t work as I still owe an unpaid debt. However if
the promise to give you the ‘consideration’ (loaves of bread) was based on fraud then you can
recind your contract. Most contracts are unilateral and are not contracts at all but really just a

declaration. You declare you will do such and such in exchange for something. Why can’t you
recind your signature?

Lets’ look at the Government contracts and see if they fit the above requirements. How about a
Marriage license? Did the government tell you that when you submitted (submission) the
application (blacks law defines this as ‘to beg’) for a license (a license is something you obtain
that allows you to do something that otherwise would be illegal) that you were giving all
authority over your union to the STATE? One of the things the STATE gains is the product or
result of your union- your children. The reason Child Protective Services can take your property
without a court appearance (due process under the 5th, and 14th ammendments), wherein you can
defend your rights and property is because they claim it is ‘their property’ they are taking. For
thousands of years people have gotten married and all it took was a vow before God in front of
one of Gods representatives, or even just an oath to each other and you were hitched in the eyes
of the community. What on earth does anyone gain by getting a certificate (which implies a title
has transferred) from the STATE? Next, a Drivers License, did you know that there is no
requirement to have a license to ‘travel’ in your ‘car’ with your ‘guests’ on the ‘public highways
and roads’? There isn’t, however you will need a DMV license to ‘drive’ a ‘motor vehicle’ with
‘passengers’ on the roads. Passengers are those who pay to be ferried about. Think Trains,
Planes, and Ships, these all have passengers, who pay to be taken wherever, or do the
‘passengers’ ride for free? Congress has the right to regulate interstate commerce and so if you
are engaged in ‘commerce’ (for hire) you need a license to ‘drive’.

CASE #1: "The use of the highway for the purpose of travel and transportation is not a mere
privilege, but a common fundamental right of which the public and individuals cannot rightfully
be deprived." Chicago Motor Coach v. Chicago, 169 NE 221.

CASE #2: "The right of the citizen to travel upon the public highways and to transport his
property thereon, either by carriage or by automobile, is not a mere privilege which a city may
prohibit or permit at will, but a common law right which he has under the right to life, liberty, and
the pursuit of happiness." Thompson v. Smith, 154 SE 579.

CASE #3: "The right to travel is a part of the liberty of which the citizen cannot be deprived
without due process of law under the Fifth Amendment." Kent v. Dulles, 357 US 116, 125.

CASE #4: "The right to travel is a well-established common right that does not owe its existence
to the federal government. It is recognized by the courts as a natural right." Schactman v. Dulles
96 App DC 287, 225 F2d 938, at 941.

"The claim and exercise of a constitutional right cannot be converted into a crime." Miller v. US,
230 F 486, at 489.

"...For while a citizen has the right to travel upon the public highways and to transport his
property thereon, that right does not extend to the use of the a place for private
gain. For the latter purpose, no person has a vested right to use the highways of this state, but it is
a privilege...which the (state) may grant or withhold at its discretion..." State v. Johnson, 245 P

So do we Sovereigns have Rights or Privileges? Rights can not be taken away, nor taxed. If a
Right could be taxed what would it be like if instead of standing on your soap box to preach to
the world the STATES’ representative (cop) came over and said “that’ll be $20 for the next 20
minutes of talk time, buddy”.

Let’ look at Common Law. If you are sovereign can you do anything you want? Sure as long as
it doesn’t violate the Common Law. In the Constitution every time you find the word Law it is
referring to Common Law. Common Law is very simple there are no complex legislated acts to
remember just two, you cannot injure your countryman or you will have to answer for it, and two
you cannot breech a contract. It is very simple. The equalizer in Common Law is how the justice
is decided upon. The Jury system came from common law and is an excellent form of getting
justice. Twelve good men (or women) decide if your punishment is fair. Under common law you
can haul your neighbor into court for stealing your strawberries and you decide he should die for
that crime. The Jury deliberates and if one juror is against you (the plaintiff bringing the charges)
he (the defendant) is set free. The Jury decides the law and the facts of the case and according to
the 7th amendment no Court in the land including the Supreme Court can overturn a juries

The Honourable Joseph Neilson, Chief Justice of the City Court of Brooklyn 1875:

“The fact of the matter is that there exists all around us a great body of law which has not ever
been (nor could it be) written down in one spot. In a way, it's, it's more of a process which has a
single guiding rule, the "golden rule," a negative rule: "Don't do something to someone that
you don't want to have visited on yourself, either directly or through the agency of a
government." Though it has suffered much at the hands of legislators, common law is yet
followed in all major English speaking nations around the world. Common law to England was
and is its very force. The greatness of England, certainly in the past, is attributable, I would say
fully attributable, to the stabilizing and enriching institution that we have come to know as
common law. This subject of the common law is a great and wonderful subject: its evolutionary
development and its great benefits make it the most superior law system known in the
world, as history will readily tell.”

"The individual may stand upon his constitutional rights as a citizen. He is entitled to carry on his
private business in his own way. His power to contract is unlimited. He owes no such duty [to
submit his books and papers for an examination] to the State, since he receives nothing therefrom,
beyond the protection of his life and property. His rights are such as existed by the law of the land
[Common Law] long antecedent to the organization of the State, and can only be taken from him
by due process of law, and in accordance with the Constitution. Among his rights are a refusal to
incriminate himself, and the immunity of himself and his property from arrest or seizure except
under a warrant of the law. He owes nothing to the public so long as he does not trespass upon
their rights." Hale v. Henkel, 201 U.S. 43 at 47 (1905).

Attorneys: The issue can be made even clearer by a second very appropriate example. The
legal profession’s labor union, the Bar Association, was established immediately after the
Civil War (they got rid of the original 13th amendment barring Title of Nobilty i.e.
‘esquire’, ‘honorable’) to substitute a system of general slavery to replace the old system
of black slavery, by guaranteeing a monopoly of the courts for attorneys, judges and
municipal corporations (city, county, state). This labor union, the Bar Association, has
forbidden anyone but union (Bar) attorneys to give legal advice, and has prevented
anyone from being assisted in court by a non-union lawyer or by a non-lawyer, thus
converting the courts into closed union shops. This corresponds to pre-Civil War United
States wherein blacks were not taught to read and were not allowed to get a public
education lest they become strong enough persons to speak out against their repression
and overthrow their slavemasters.

Jury Duties and Nulification:

The jury has the right to determine both the law and the facts. (1804) Samuel Chase supreme
court justice 1741-1811

"It is not only his right, but his find the verdict according to his own best understanding,
judgment, and conscience, though in direct opposition to the direction of the court." John Adams,

Justice OLIVER WENDELL HOLMES (Horning v. District of Columbia, 249 U.S. 596 (1920)):
"The jury has the power to bring a verdict in the teeth of both law and fact."

So under common Law there is no statutes, codes, regulations, acts, in other words no legislated
law that applies to a sovereign. How many times a day do the ‘People of California’ the alleged
Plaintiff as represented without power of attorney from anyone by the STATE, bring charges
against the real People of California (the individual) when no one has been injured? About 99%
of the time.

So lets look at the laws in California:

. "It is the public policy of this state that public agencies exist to aid in the conduct of the people's
business....The people of this state do not yield their sovereignty to the agencies which serve
them." California Government Code, Section 11120.

"In enacting this chapter, the Legislature finds and declares that the public commissions, boards
and councils and the other public agencies in this State exist to aid in the conduct of the people's
business....The people of this State do not yield their sovereignty to the agencies which serve
them." California Government Code Section 54950.

. "Whereas, the people of California have presented a constitution....and which, on due

examination, is found to be republican in its form of government...." Act [of Congress] for the
Admission of California Into the Union, Volume 9, Statutes at Large, Page 452. (in fact a state
cannot join the Union if not a Republic)

SEC. 1. The judicial power of this State is vested in the Supreme Court, courts of appeal, and
superior courts, all of which are courts of record.

The Court of Record rules apply in ALL states

. A “court of record” is a judicial tribunal having attributes and exercising functions

independently of the person of the magistrate designated generally to hold it, and preceding
according to the course of common law, its acts and proceedings being enrolled for a perpetual
memorial. Jones v Jones 188 Mo. App. 220, 175 S.W. 227,229: Ex parte Gladhill, 8 Metc. ,
Mass. , 171, per Shaw, C.J. See, also, Ledwith v. Rosalsky, 244 N.Y. 406,155 N.E. 688, 689 -
Blacks 4th pg426

So we see, one we are Sovereigns and two the law of the land is Common law and ALL the
legislated acts of Congress and our State legislatures don’t apply to us, Do they know this? The
answer is NO.

It is one thing to find that the Tribe has agreed to sell the right to use the land and take valuable
minerals from it, and quite another to find that the Tribe has abandoned its sovereign powers
simply because it has not expressly reserved them through a contract. To presume that a
sovereign forever waives the right to exercise one of its powers unless it expressly reserves the
right to exercise that power in a commercial agreement turns the concept of sovereignty on its
TRIBE ET AL. 1982.SCT.394 , 455 U.S. 130, 102 S. Ct. 894, 71 L. Ed. 2d 21, 50 U.S.L.W. 4169
pp. 144-148

So now you know or at least have been shown evidence that you are sovereign, the common law
applies, and that the elements of a lawful contract are hardly ever in force in what we take to
believe are the contracts and agreements we engage in with the Government , Banks and other

In my experience, in most peoples lives, the largest expense and thus the best place to start
looking for contractual fraud is involved in home loans, the next biggest expense is the fraudulent
taking of your property through taxation by the IRS, and the third biggest expense is related to
Car loans and related charges.

I would like to enter proof of the fraud in every “loan” with the following court case:

In the Credit River Decision6 in 1968, the president of the Bank, Mr. Morgan admitted that all of
the money or credit which was used as a consideration was created upon their books, that this
was standard banking practice exercised by their bank in combination with the Federal Reserve
Bank of Minneapolis, another private Bank, further that he knew of no United States Statute or
Law that gave the Plaintiff the authority to do this. Plaintiff further claimed that Defendant by
using the ledger book created credit and by paying on the Note and Mortgage waived any right
to complain about the Consideration and that the Defendant was estopped from doing so.

A Bank cannot “loan” it’s account holder’s money that would be theft unless you agreed to it in a
contract and if you get the bank signature card you signed you will find many interesting things
but your authorization to have your deposits loaned will not be one of them. A Bank cannot
‘loan’ it’s credit either.

“A bank may not lend its credit to another, even though such a transaction turns out to have been
of benefit to the bank, and in support of this a list of cases might be cited, which would look like
a catalog of ships.” [Emphasis added] Norton Grocery Co. v. Peoples Nat. Bank, 144 SE 505, 151
Va 195.

“It has been settled beyond controversy that a national bank, under federal law being
limited in its powers and capacity, cannot lend its credit by guaranteeing the debts of
another. All such contracts enter ed into by its officers are ultra vires . . .” Howard & Foster Co.
v. Citizens Nat’l Bank of Union, 133 SC 202, 130 SE 759(1926).

Lets start looking at the Mortgage industry. Move on to reading the “Foreclosure Report” by
Karen Tappert

To fight off the Bank taking your property, will be a major effort on your part. As you can see
from the above just because the courts have ruled traveling in your car is a right , try and explain
that to the Policeman who is tazering you for not giving up your license or complying with his
commands. The difference is once you know you are right it gives you renewed vigor to stand up
and demand what is rightfully yours. The paperwork necessary is not on this disk but some of the
understanding of it is. When you have ‘digested more of the reading here come back and show
me what you know and take the next step. I am not a lawyer. This information is not to be
construed as “legal advice”. The lawyers know nothing of sovereignty, nor common law and will
cave at the least resistance coming from the Judges who rule from on high with no authority in
‘their’ courts.

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