THE RESTORATION OF JUSTICE IN

FLORIDA,

WAR ON BANK SPONSORED

CORRUPTION OF GOVERNMENT,

THE URGENT NEED FOR

LEGISLATIVE EXECUTIVE AND
JUDICIAL ACTIONS.

MORTGAGE JUSTICE GROUP

46 N. Washington Blvd, Sarasota, Florida 34236
e-mail: mortgagejustice1@yahoo.com

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 THE RESTORATION OF JUSTICE IN FLORIDA, WAR ON BANK
SPONSORED CORRUPTION, THE URGENT NEED FOR LEGISLATIVE
ACTION.

THE PROBLEM DEFINED.

1. Abusive Bill Killed Last Year. Last April Mortgage Justice wrote to members of
the House and Senate regarding the Florida Bankers Association’s then attempt to use
the power of the Florida State Legislature to commit fraud upon its residents and
other real property owners in this State. Fortunately for the residents of Florida,
House Bill 1523 and its sister Bill in the Senate SB 2270 was withdrawn and this
State did not have to suffer the consequences of this Criminal Effort to hi-jack the
Florida legislature to further the Banksters criminal theft of their rightful real
property.
2. Dead but it won’t lie down. Just surfaced on the legislative docket for 2011,
introduced on March 3rd, at 4.57 pm just before the commencement of the current
session, is the inappropriately named “Florida Fair Foreclosure Act” [House Bill #
1191]. This is the latest attempt to Hi-Jack the Florida Legislature for the furtherance
of criminal acts. It is sponsored by a Florida Attorney, who, in common with 25% of
the Members of State Congress, is in breach of the Constitution’s separation of
powers by simultaneously holding office in two separate branches of state
government. Additionally, this Representative appears to be occupying an office of
profit within one of those branches of government and who quite clearly has a
conflict of interest in that her law practice advertises that she specializes in Banking
Law. To add insult to injury this ‘Representative’ is a Member of the House Judiciary
Committee and the Civil Justice Sub-Committee. This criminally offensive Bill must
be removed from the House’s Calendar for all of the above reasons. In the event that
it is allowed to progress through the legislative process, any Member of the House
who speaks in support, or votes for it after receiving this report will be participating
in the further use of our state government for criminal purposes.
3. Two days after the filing of HB 1191, newly elected Senator Jack Latvala sponsored
SB 1964 also inappropriately titled “The Florida Fair Foreclosure Act.” The text of
this Bill runs to 27 pages and at first glance is a revolutionary document containing
major proposed law changes all of which favor more criminal activity by Banksters
and in no way can be supported as being in the collective interests of the citizens and
residents of the State of Florida. It must also be immediately removed from the
Senate Calendar.
4. Prior to the emergence of HB 1191 or its companion SB 1964, SB 428 sponsored by
Senator Dean, a retired Sheriff, proposed to increase the number of Retired Judges
who can be brought back to the bench to speed up this criminal activity to the further
detriment of the people who elected the Members of the House and Senate to office.

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 The provisions of this Bill adds to the deception by perpetuating the ‘deadbeat
borrowers myths’ [whereas this recession was deliberately planned and executed by
Wall Street Investment Banks, Main Street Banks, mortgage lenders and their
cohorts, including GSE’s, Rating Agencies, MERS and large sophisticated law
offices who fabricated their SEC documentation and issued false declarations of
compliance with the laws], falsely suggests that the cure is to expedite the rate of
foreclosures to bottom out the market and that somehow this unsupportable economic
theory will revitalize the economy, allow citizens to pay their taxes and Housing
Associations to maintain communities. Senator Dean’s Bill also appears to be flying
in the face of democracy. If the voters have rejected a Judge through the ballot, it
should not be possible for those judges to be restored to office where they will be able
to continue to act as though they had in fact been re-elected. This Bill must also be
rejected or withdrawn.
5. The word “Banksters” is not irresponsible Hyperbole. The authors of this report
wish to make their reasons for using the word ‘Bankster’ in what is a very factual and
reasoned report that exposes serious criminal incursions into all three branches of
government to the detriment of our communities, our state, our nation and has
repercussions on the rest of the world. The word ‘Bankster’ is not of our invention
but was a title earned by the Money Changers at the time of the recession and it is not
disrespectful hyperbole, but is used to emphasize the fact that the Banking lobby is
not representing a legitimate business but a vast criminal enterprise. That is not
hyperbole, or theory, but stark fact. None of the immensely serious matters covered
in this report, all of which relate to voluminous crimes and which need the urgent
attention of all three branches of our state government, bears any relationship to the
legitimate business enterprise collectively known as Banking. This whole report is
concerned with massive criminal actions that dwarf anything the Mafia ever did and
our use of the ‘B’ word is meant to drive home to readers of this report that we are
dealing with the most serious white collar crime, which has directly brought about the
biggest financial crisis that has ever confronted this country. That our government
institutions are more concerned to protect those criminals than their people is a matter
of grave concern to all who are informed. Those numbers are growing rapidly.
6. Senior Judges Become Mass Foreclosure Terrorists. When writing to Members
last year we were aware that preventing that Bank Sponsored legislation from passing
into law would be a step in the right direction and we still hoped that the Appeal
Courts would begin to reverse the wholesale abuse of our citizen’s and resident’s civil
rights by a tyrannical Circuit Court system, or that the media might finally start
reporting the truth leading to a change of direction in favor of the victims of that
abuse, but at best saving Floridians from that proposed law would help an
unbelievably bad situation from rapidly worsening. Almost a year later the evidence
supporting the urgency of putting those corrupt practices into reverse has increased
exponentially. It is now imperative that the judiciary stops the disgraceful abuses of
human rights that is endemic in our Courts and which continues to escalate.
7. Courts Routinely Denied Due Process. Last April, when those legislative changes
were quietly passing through the Committee stages, without an apparent voice being
raised against it, the de facto position was that the judiciary had virtually denied the
rights of equal access, discovery, evidentiary hearings, to present evidence and a fair

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 trial to Defendants in foreclosure lawsuits subjected to Mass Foreclosure Dockets.
8. Senior Judges Waste Legislature's Foreclosure Money, Flout Oaths. The
legislature was already in danger of being corrupted by the Banksters last year, but
after the failure of the non-judicial bills, proposed new techniques and methods
emerged from the Banksters to further their fraudulent white collar criminal abuse of
our populace. The legislature obliged by funding the Judiciary to speed up the
process and according to statements made by Circuit Court Judges to justify their
failure to comply with the law, the Judicial Branch of Government was under
instruction from the Legislative Branch to reduce the foreclosure Docket in order to
speed up the State’s economic recovery.
9. Leg. & Exec. Collude to Help Banks, Hurt Citizens The Executive Branch played
loud and monotonous lip service to protecting Floridians, especially our largely
elderly residents and in collusion with the legislators brought about new laws to
criminalize persons who engaged in what was described in the legislation as
“foreclosure rescue services” a double edged sword which excluded Attorneys and
Mortgage Brokers, two of the biggest contributors to the Bankster fraud in the State at
a time when it became known that over 10,000 mortgage brokers in Florida possessed
criminal records. Whatever, the merits of enacting that law may have been it was
truly ‘fiddling while Rome was burning.’
10. AG Abrogates Duty to Investigate Mortgage & Foreclosure Fraud. At that time
there was no interest in listening to suggestions of bank fraud, even less interest in
investigating the Banksters, the foreclosure forgery factories, otherwise collectively
known as ‘Mortgage Foreclosure Specialist Firms,’ the law offices who were – and
still are - filing unbelievable numbers of fraudulent lawsuits in collusion with those
forgery factories and local stand in counsels who sit in the Courtrooms with their
laptop computers connected to the forgery factories’ electronic ‘Case Management
Files where all the steps in each fraudulent foreclosure are documented, thus
revealing all the forged and fraudulent documents recorded therein from their original
drafting to their presentation to the Judge by Plaintiff’s counsel. The said Case
Management Files also contain the identities of the individuals who have forged
documents and show when these criminal actions took place together with the
identities of the stand-in counsels who recite their repetitive lies to the willing ears of
the Judgment hungry judges. These serious frauds upon the Court are occurring in our
Courts by the thousand every day that these kangaroo courts are in session.
11. Incessantly Abusive Sheriff and Deputies. However, that same Executive Branch
of State Government that window dressed its expressed concern to control corruption,
while ignoring the real problem, continued to allow Sheriff’s Deputies throughout the
State to act as Court Bailiffs under the direction of Judges and to protect the
lawbreaking judges, even participating in intimidation of pro se litigants in Court who
dared to try and obtain due process of law to which they have a prescriptive right as
Citizens of the United States, Florida residents, or as foreign real property owners in
this State. Not content with aiding and abetting the unlawful and tyrannical activities
of Circuit Court Judges, the Executive provides the color of law to the unlawful
Judgments by enforcing equally unlawful writs of possession illegally Ordered by
these Judges when Sheriff’s Deputies evict the victims of that tyrannical abuse from
their homes.

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12. Legislator Split Loyalties. A number of informed and patriotic citizens, particularly
those who keep the rest of us informed as to the truth through Internet blog sites, have
been approached by legislators seeking to obtain ideas as to how they can make law
changes to hasten our economic recovery. While appearing to be helpful on the
surface such approaches are suspect, especially if presented by legislators who are
also Bar Members with active law practices in which they unlawfully retain interests
whilst serving as elected Officers in the Legislative Branch of Government as their
requests for ideas are often made with forked tongue to disguise political motivations,
or even their direct involvement in bank corruption and despite their references to the
importance of protecting the homeowners, their appeals for help are tinged with the
Banksters rhetoric of how important it is for us to help the banks to speed up their
foreclosures in order to hasten the economic recovery.
13. Represent the People not Paymasters. Members of our Government are not
elected to office, whichever branch of our state government to which they are elected
or appointed to represent the interest of Banksters or other corrupting corporations,
but by the people with a remit to act for the people. After reading this report and
carrying out some simple investigations into the truth of its findings, no voting
member of either chamber in our State Congress can possibly justify their continued
bending to the corrupt activities of the Banksters as being in the interest of the people
whose lives are directly affected by the bills they pass into law. Every voting
member needs to remember their candidate’s oath and to act in support of the
Constitutions of the United States and the State of Florida. The Bankster’s continued
postulations, [echoed by judges across this state, as they unlawfully deprive
defendants in their fraudulent lawsuits of their constitutional and statutory rights] that
their victims are deadbeat homeowners who borrowed the money and according to
their improper definition of delinquency, are just trying to get a free house, is in itself
criminal, willful deceit.
14. Legislatures Corrupted by Financial Institutions On the contrary immense damage
has already been done as a direct result of the massive frauds that have already been
inflicted upon investors, property owners and the general public and rather than
continue to follow the misguided path down which the legislature has already
progressed by granting money to the Supreme Court, the state’s Judicial Branch of
Government to speed up the foreclosure process which is adding to the personal
burdens of this States’ citizens, is legalizing the theft of real property from its rightful
owners by Banksters, continues to deepen the recession, add to the destabilization of
communities, the breakup of families, an increase in blue collar crime and hundreds
of millions of Dollars in lost revenue to the State, all to the benefit of corrupt Money
Changers, with the support of huge numbers of Members of the Bar who willingly aid
them in promoting massive frauds upon our courts and upon their former customers,
the residents of the State of Florida and all under the protective shield of the color of
law provided by the Executive.
15. Lawyer Sponsored Destructive Protectionism. For such powers to operate within
this apparently impenetrable protective barrier is against the interests of our Citizens
and residents. This barrier to justice must be removed as a matter of urgency. It is
by virtue of the existence of the lawyer sponsored and engineered protectionism
embodied in the 1949 changes to the Florida Constitution that the Banksters have

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 already hi-jacked our entire Court system for their criminal purposes and have
exercised control over the direction of legislation by other methods. It was only by
the skin of our teeth that they failed to remove the judiciary from the foreclosure
process in Florida last year and no doubt their lobby has remained as active as before
in Tallahassee.
16. None of the Loans were ever made by the Lenders, but Self-Funded. Judges
across this state, are unlawfully depriving defendants in lawsuits of constitutional and
statutory rights, echo the Bankster’s continued postulations that their victims are
deadbeat homeowners who borrowed the money are trying to get a free house. In
point of fact the exact opposite is true as we can see from these realities:
(a) JP Morgan Chase's widely reported campaign to buy up property tax
lien certificates across America in the hopes of effectively stealing
realty for the cost of a few years' taxes.
(b) Bank agents buy up houses at foreclosure auctions, flip them to the
bank, and give the bank an angle for bilking the mortgage insurance
companies the federal government had to bail out to the tune of
billions of dollars.
(c) Banks participated in appraisal fraud, encouraging grossly overpriced
realty purchases.
(d) Lenders don't fund mortgage loans till after depositing the alleged
borrower's note, thereby making the borrower the source of the
funding, and the bank only a middle-man depositor, not an actual
lender.
(e) This means the closer handed the seller at the closing table an
insufficiently funded “hot” check which the seller could not possibly
cash till three days later, hence the practice of closing loans on Friday
whenever possible.
(f) Lenders, sellers, and closers induce the borrower to sign lies in both
the note (“for a loan I have received”) and the mortgage (“I am seized
of the estate”) because the borrower has never seen the documents
prior to closing and the real estate purchase agreement requires the
buyer to close if approved for the loan. These create duress to sign
without thoroughly reading the docs.
(g) Lenders commit fraud by failing to execute a lending agreement with
the borrower in advance of closing. This deprives the lender of privity
of contract which has serious ramifications and lays the groundwork
for allegations of fraud against the lender.
(h) Upon signing the note the borrower makes the note into the borrower's
chattel, and only the borrower owns it. Evidences of such ownership
exist in the UCC language of holder in due course or holder, instead of
owner, assignment of rights instead of sale of the note, and
requirement to return the note upon satisfaction to the borrower. The
borrower never gives right to the lender to sell the note or convert it to

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 personal use such as through securitization, and so all profits derived
from securitization and associated bond sales belong exclusively to the
borrower.
(i) A variety of factors convert the note from a negotiable instrument to a
non-negotiable instrument, or discharge the obligation of the maker,
particularly, but not limited to, language in the mortgage that change
the borrower's rights to receive presentment and notice of dishonor,
rights to receive notice of assignment of beneficial interest in the note,
late fees, adjustable interest rates, and loss reserve funds created by
unspent mortgage insurance premiums.
(j) The US Supreme Court has ruled several times that separation of the
mortgage from the note disables the right to enforce the note through
foreclosure sale of the realty, thereby making nearly all mortgage
foreclosures unlawful and all foreclosure litigation frauds upon the
court, warranting disbarment of the attorneys who represent the
plaintiff, and fining and jailing of the plaintiff for a number of years.
17. Unlawful Funding. The legislature have already funded unlawful mass foreclosure
dockets in the courts, with the abusive outcome to defendants in lawsuits and any
extension of judicial personnel to speed this process, will only result in a deepening
problem and play into the hands of the criminal Banksters.
18. No such legislation must pass this legislature. Any voting member who votes to
support any such measure, or HB 1191 after receiving this report has allowed
himself or herself to openly confess to acting on behalf of criminal interests and
not for the people who elected her or him to office.
19. Supreme Courts’ Complicity. It is clear that the separation of powers has been
completely eroded in our State and must be reinstated. The Florida Supreme Court
went to great lengths in 2009 to set up a Task Force to consider how best to deal with
the flood of foreclosures. The public were led to believe that they were concerned to
maintain the efficiency of the Court system, but everything they focused upon during
their deliberations assumed that the Banksters had a Cause of Action against the
‘Deadbeat Homeowners’, whereas the reverse is true. Almost no foreclosure case
filed in the Florida Courts can demonstrate Standing. As Judge Shack said in
Brooklyn New York, “Standing is a Threshold Issue.” If you do not have standing to
file a lawsuit, the suit is frivolous and the Plaintiffs, together with their counsel’s who
filed them in the Courts should be punished by being dismissed with prejudice,
sanctions and any other appropriate relief provided to the victim of such fraudulent
attempt to hi-jack a court of law for illegal purposes. In Florida, however, they are
rewarded by Judges who rubber stamp any that are uncontested and refuse to consider
any defendant’s defenses, testimony even when told that evidence of fraud upon their
court is manifest.

THE CORRUPTION AND THE PARTICIPANTS EXPOSED.

20. First, all of the mortgage loans were set up to fail. Preposterous suggestion the
Banksters proclaim! Why would we lend you money if we knew you were going to

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 default and we would not get our money back? Simple, first they did not lend any
money, they electronically sold the same fraudulent loan documentation more than
once by unlawfully utilizing digitized records whilst pretending that the original notes
and mortgages had been eliminated, immediately after the closing, [see Akerman
Senterfitt’s submission to the Florida Supreme Court’s Task Force] they obtained
signatures from an ill informed population on unilateral declarations of adhesion, not
contracts, used those signatures to secure credit from the Federal Reserve and just for
good measure insured those loans against the ‘borrower’s’ default up to thirty times
over for each loan [which they fraudulently filed documents in the SEC’s public
records to falsely demonstrate that they had sold those loans into a Securitized Trust]
utilizing a device deceptively named “credit default swaps ”under the auspices of the
International Swaps and Derivatives Association to avoid the State Regulations
controlling insurance contracts and to use as a secondary scheme to defraud the
investors that they had already defrauded when using them as the innocent funders of
the biggest Ponzi scheme in history as more fully described below.
21. Second, despite the common belief, none of these ‘mortgage loans’ were sold in the
secondary market for the simple reason that it is not legally possible to sell what is
not owned. None of the so called lenders on any so called Promissory Note lent any
money. If the lender was an FSB, or any Bank it is not permitted to lend any of its
depositors or checking account customer’s funds under the Banking Acts. It could
only invest funds that it owned or were managing for their customers investment
portfolios. Clearly, this could never have been sufficient for them to have funded the
vast number of mortgages that were allegedly, but not actually, securitized into Real
Estate Investment Conduit Trusts that individually totaled upwards of a billion dollars
for each alleged Trust.
22. If the purported lenders on these Notes were small subsidiaries of Banks or Mortgage
Brokers who were able to obtain funding from a so called ‘warehouse lender’ they
clearly did not have sufficient funds to lend on the massive scale that preceded the
financial crises.
23. All this posturing as to the identity of the lender at the closing table, was to give the
appearance of compliance with the Rules of REMIC, embodied in IRC 860. In order
to qualify for huge tax breaks all loans must have been ‘sold in the secondary market’
and ‘table funded’ loans were specifically excluded. All these incorrectly described
‘securitized loans’ were ‘table funded’ and therefore specifically excluded. Table
funding to those unfamiliar with the term describes a process that is the reverse of the
concept of a lender making a loan and the loan subsequently being sold through a
number of entities and ending its title journey in a Trust for the benefit of the final
purchasers of that loan. The original funding started at the opposite end of that cycle
and worked its way backward to the pretend lender whose name was on the
promissory note. The paperwork was actually supposed to follow the REMIC cycle,
but even that chain of title was corrupted by the Banksters. By camouflaging ‘table
funded’ loans as qualifying REMIC loans the Banksters engineered and appear to
have got away with this massive tax fraud against the IRS. To substantiate the
apparent compliance with IRC 860, extensive fraudulent representations were made
in the filings submitted to the SEC in the form of prospectuses, trust agreements,
mortgage loan purchase agreements, pooling and servicing agreements and more.

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24. Any informed inspection of these documents, despite the many thousands of pages of
legalize that are sometimes filed to legitimize these crimes for just one fraudulent
securitized pool, soon exposes the facts which in total clearly establishes that there
was no chain of title and that all the loans were table funded. As described elsewhere
in this report the original funds extracted by the Sponsors of the Wall Street Security
entitled ‘Mortgage Loan Pass Through Certificates’ once deposited in the Bankster’s
bank accounts qualified them to draw ten times the amount of funds to basically do
whatever they wanted with.
25. So called borrowers, were not the only victims of this massive Ponzi scheme.
Professional investors, including Pension Fund, Mutual Fund, Hedge Fund Managers
on Wall Street were all persuaded to part with their investors funds to fund this scam
as were Municipalities across America and around the world, not to forget the funds
owned by foreign governments and professional investors from other countries
around the globe. Anyone, who has ever visited the beautiful Tuscany region of
Italy, should know that all those wonderful hilltop towns were bankrupted by these
criminal, money-changing monsters. But when it all collapsed in 2009 they came
whining for government bail outs, which they immediately used to jack up the
international price of oil, driving it to over double its real value thus injuring many
more ‘investors’ who bought into yet another Bankster scam and hurt the already
suffering people by increasing the price of everything that depended upon the price of
oil. Now the whining continues and they still rely upon the integrity of their victims
to believe that if they borrowed the money they have a moral responsibility to repay
those funds, when they do not respect that same code of ethics when they invest in a
bad real estate deal.
26. The Banksters use the same technique upon their victims as they do upon their
employees to obtain their support, fear and reward. So do the integrated Florida Bar
and any other corrupted body use these stick and carrot methods to enforce
compliance and discourage any disobedience. The so called deadbeat homeowners
live in fear of getting a ‘bad credit rating’ or worse a foreclosure and/or a bankruptcy
on their record and continue to struggle to pay, often rising rates of interest, on
deliberately engineered ‘underwater loans.’ The banksters used the same fear and
reward techniques to ensure a steady flow of over inflated and ever increasing
appraisals – appraisers could refuse to comply and be placed on the Blacklist
circulated amongst all the various ‘lenders’ or comply and make money out of the
boom. More fraudulent actions that our legislators, executive branch and judiciary
happily ignore whilst aiding and abetting the Banksters criminal actions, while
continuing to justify it with the war cry – ‘you borrowed the money.’
27. For the scam to succeed it was essential that the scammers could wrest the money out
of the Professional Investors and the Municipal Treasures. They had no option but to
utilize ‘table funding’ to get the tax breaks they had to falsify the appearance that the
loans were all genuine REMIC loans, which is the same argument they now
fraudulently present in the foreclosure lawsuits. First it was necessary to provide the
illusion of safety for the funds being invested. The major Wall Street Rating
Agencies were the tool used at great profits to those entities. They issued Ratings up
to AAA for Pools of Mortgages which were wrongly described as ‘closed loans’ that
were owned by a Trust for the benefit of the investors in the income producing Pass-

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 Through Certificates they were being sold by the Wall Street Sponsors of the non-
existent ‘Pool.’
28. The Rating Agencies stated that they had examined the mortgage loan files, when in
reality the loans did not exist and the Banksters agreement with those entities was that
they would not inspect the mortgage files, just make the false statement. The Rating
Agencies were paid Billions of Dollars for supplying these fraudulent ratings. These
were the documents used to sell the securities and the funds now came under the
control of the Ponzi scheme organizers. It was these funds that were now used to
draw from the Federal Window ten times the amount of money fraudulently obtained
from the investors, which was made available either directly, or through so called
warehouse lenders, who were the apparent funders of the loans, as far as the pretend
lender was concerned. For this ‘service’ the pretend lenders were paid a large
commission, disguised as a ‘yield spread premium.’
29. From the foregoing paragraph it is an easy step to understand how it was impossible
for the ‘lender’ whose identity was printed on the Note and Mortgage to sell his
investment into the secondary mortgage market, since it was not that pretend lender’s
property, neither was it the property of the warehouse lender, who had obtained the
funds from the Wall Street Seller of the Securities or an FSB with whom they were in
collusion to maximize the available ‘money’ available all courtesy of the Private
Bank that is control of the US Dollar, the Federal Reserve, through its ‘window.’
30. The identities of all the participants in this fraud are filed in the SEC’s public records.
The Mortgage Loan Purchase Agreements and the Pooling and Servicing Agreements
are particularly revealing. They disclose participants in the scam as major Wall Street
Firms who sponsored the sale of the securities and issued the Prospectus, FSB’s
[including such behemoths as Bank of America, Deutsche Bank, J. P. Morgan, Chase,
Goldman Sachs, Bank of New York Mellon, US Bank, Wells Fargo, HSCBC,
Suntrust bank, GMAC and many more, all masquerading as Trustees of REMICS,
Custodians and/or Master Servicers. Those are the entities that together with the
GSE’s, Electronic Registration Systems, Countrywide, AIG, Wall Street Broking
firms and the Rating Agencies [Standard & Poors, Moodys & Fitches] formed the
hard core of this massive fraud.
31. Most of the Trusts, are not Trusts at all, but so called Delaware Statutory Trusts. A
search of the Delaware Secretary of States Internet page soon reveals its true status.
Just like the Federal Reserve is neither Federal, nor does it have reserves, the
Delaware Statutory Trust is neither Statutory, nor is it a Trust. It is in fact a Limited
Liability Company that once it is recorded as such, remains in good standing until its
sponsor requests its removal. Unlike any other LLC it does not have to submit any
returns or pay any annual fees to remain in existence. Perfect cover for entities
created to fail, no information can be obtained.
32. When the planned bubble burst occurred, the Ponzi scheme Banksters started on the
final phase of their scam, the acquisition of as much real property as they could wrest
away from middle class Americans, just as their ancestors had done to devastate the
farmers of America in bygone years. However, to perfect this stage of the scam many
things had to be done.
33. First, a number of subtle changes had been made to various laws and UCC
Regulations around the country, to facilitate such things as large numbers of lost note

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 foreclosure Complaints, thus ensuring that their sins would be buried under the new
clean title that would come from the foreclosure court’s issuance of a new Note. Also
they had to woo the judiciary to ensure that homeowners would be denied their right
of access to hide the fraudulent paperwork that they and their ‘counsels’ would file in
those Courts, all sponsored and engineered by the so called foreclosure specialist
firms, more popularly known amongst the informed population as foreclosure forgery
factories, such as IPS, Document X and Securities Connection Inc, in Idaho Falls.
34. The first wave of foreclosures used Mortgage Electronic Registration Services as the
Plaintiff, when that entity had no ownership or other right to foreclose on any loan
that they supposedly were acting as ‘nominee’ for the lender or its assigns.
35. When that door closed, the next wave of foreclosures either claimed that loans were
owned by what in fact was a Servicer, or by a Bankster in its role as Trustee. Also, at
that time a new angle appeared in the bogus Complaints. They were all filing
complaints that the Original Notes had been lost. Many individual defendants in
these cases were surprised that a bank had lost a purported negotiable instrument that
to the informed person had also been used at the Federal Window to generate another
multiple of 10 times its face value in pretend US Dollars. However, Judges, and the
staff at the Clerk of the Courts, were viewing thousands of such lost Note Complaints
every day it. Also, it never happened when MERS was filing the fraudulent
Complaints in Florida, so it appears that the inability of the Banksters to take care of
their valuable Notes coincided with being forced to change the pretend Plaintiff. It is
impossible to believe that acceptance of these lawsuits based upon such obvious
outright lies has never been made a threshold issue. Needless to say it has not and
hundreds of thousands of Floridians lost their homes or other real property because
such obvious fraudulent submissions had been acted upon by what is now an equally
obvious corrupt judiciary, in cahoots with thousands of foreclosure mill attorneys
who are filing criminally fraudulent documents in the Courts of Florida and other
Judicial States across America.
36. The fear and reward technique was also implemented within the ranks of the
Servicers, those original architects of every securitization scam the professional
forgery firms and the law offices masquerading as counsel for the pretend plaintiffs,
who are in fact appointed by the professional forgery firms and by those other wolves
in sheep’s clothing, the government sponsored Fannie Mae and Freddie Mack, also
major instigators along with Countrywide and its former CEO. Persons, such as the
now infamous Jeffery Stephen, at GMAC (now the government owned ALLY
BANK) Cheryl Samons, the Executive at the disgraced law offices of David J. Stern,
Scott Anderson in West Palm Beach, Patricia Arango and Jessica Cabrera at the law
offices of Marshall C. Watson, Hollan Fintel at the Florida Default Law Group and
thousands of other employees, licensed attorneys and hundreds of bankster employees
who forged hundreds of thousands of Affidavits, Assignments and other documents,
impersonated corporate officials, filed their forged documents in official and court
records and committed hundreds of thousands of mortgage frauds and frauds upon the
courts, all of which are felonies, in violation of Florida Criminal Statutes. These
major crimes are euphemized by the Banksters as “errors in the accuracy of the
paperwork’ and other euphemistic terms in recent filings in the SEC of Annual
Reports designed to retain the confidence of their investors, but to protect themselves

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 against what they know will be a flood of inevitable lawsuits filed against them when
the truth eventually gets out as to the extent of their frauds upon investors. These
filings can be viewed on the SEC’s Edgar Internet site. The same and/or similar
euphemisms are used in press releases and in government cover up stories.
37. The ‘lost notes’ miraculously appear months, sometimes years after the Courts were
told they had been lost, destroyed or stolen and could not be found, but only in cases
where their frivolous lawsuits are carefully and continuously litigated. Many of these
‘found’ notes have sprouted stamps upon their surfaces, or so called Allonges are
stated to have been ‘attached’ to what are claimed to be Original Notes. Some,
appear to be originals, many however are easily proven forgeries as are the stamps
upon the Notes. When expertly examined under a microscope these documents are
shown to have been electronically produced either by a color printing device, or a
computerized pen and the signatures within the stamps are part of the stamp, meaning
that it could be applied by anyone who has such a stamp. Also, it is known that many
of these signors are fictitious, whereas others are known to be employed by a
different employer than they claim to be signing for. Further, no proof of identity of
any of the signors of these stamps, or the date upon which they were impressed is
provided. Many of these people are known to be the employees of the professional
forgery factories and when filed, become more fraud upon the Court.
38. It is normal practice for these crooked robo-signors to pretend to be Vice Presidents
of Banks, or of MERS, or Assistant Secretaries, or to profess personal knowledge,
when they have no idea what they are signing, to fraudulently produce Affidavits of
Amounts Due and Owing or to Assign Mortgages, together with the Notes when they
have no such authority, and do not hold any such positions and for these forged and
fabricated documents to be filed in the Courts and/or in the Official Records by
licensed Attorneys when acting as counsels, who, by so doing, commit frauds upon
the Court. Those forgeries are presented as genuine legal documents where they are
tacitly accepted and any attempt to question their integrity by informed pro se
defendants is greeted with abuse and ignored by Senior Judges, with no responsibility
for what they do under the assumed control of ‘Assigned Judges’ who are elected and
appointed by the Supreme Court, but who have in practice abrogated their
responsibility to use them as assistants to isolate themselves from shouldering any
responsibility for their corrupt and unlawful orders.
39. To all legislators with the fortitude or discipline to read these details of the antics of
the fraudulent Banksters and their partners in crime within the Judicial Branch of our
State government, it is emphasized that these carefully explained sequences of fraud
are not isolated, but are a staple ingredient in almost every mortgage foreclosure case
before our courts, including all the unlawful theft of homes that has already occurred
in the ongoing ruthless pursuit of the Bankster’s goal. This white collar crime is way
out of control. The damage being caused to our beloved State, Nation and the world
at large, truly dwarfs the damage that has ever been done by Standing Armies.
40. Any person with a working knowledge of the documentation required by Statute,
Decisional Law and Procedural Rule to be produced when filing a lawsuit can
ascertain within minutes by reading key parts of the Complaint and exhibits filed in
the Court whether or not the Plaintiff has Standing. It did not need this huge effort by
the Supreme Court of Florida after listening to the lies presented by foreclosure mill

12
 attorneys (some of the biggest white collar criminals in the State) and the Banksters
such as the evidence submitted to them by Akerman Senterfitt on behalf of the
Florida Banker’s Association to come up with the perfect front to justify all their
activity – the imposition of a new Rule of Civil Procedure requiring all Mortgage
Complaints to be Verified with effect from February 11, 2010.
41. What soon became apparent was that many of the foreclosure mills simply ignored
this new Rule, some even challenged its validity, but judges continued to accept
unverified and incorrectly verified Complaints as though nothing had changed. When
the Complaints were verified, they were almost always not in compliance with the
Rule, with the Statute governing the requirements needed to meet that definition or
the Case Law supporting and amplifying the Statutes. First, the Supreme Court,
together with the integrated Florida Bar, despite all that has gone before and what it
wishes or believes, does not have the power to legislate through the issuance of
Procedural Rules. Therefore the Statute and the Case law will always trump
Procedural Rules where there is a conflict. This was recently confirmed by the 2nd
District Court of Appeal who unanimously rejected a Petition for Writ of Certiorari
presented to it by Bank of America on the grounds that the strict interpretation of the
law regarding verification would lead to substantial damage to its and other Plaintiffs
in foreclosures. At least some of our Justices are acting correctly and no doubt,
recognize that Banksters losses are not grounds to bend laws in our nation of laws.
42. In those cases where Complaints appear to be verified many are verified by counsel to
the Plaintiff. Counsel for the Plaintiff cannot verify anything for reasons well known
to all attorneys. Further, verification like any other Affidavit is inadmissible hearsay
unless the verifier or affiant is subjected to Deposition or appears in Court to testify
and be subjected to cross-examination. As all Attorneys know, they cannot testify in
any Action where they or their law office is acting as counsel and if challenged their
‘evidence’ must be deemed inadmissible. Just like the hundreds of thousands of such
affidavits that have been executed by plaintiff’s counsel and filed in the Courts,
before and after the Rule change, they are all inadmissible evidence for hearsay and
other reasons, but every foreclosure that has happened in this State since this Bank
created financial crisis commenced has been predicated on such documents which are
largely unchallenged by uneducated pro se litigants who cannot afford legal
representation or by the ‘counsels’ who are supposed to be representing their clients
interests in the litigation. On these grounds alone, those Final Judgments in
Foreclosure are legally infirm and the title of those properties is stained.
43. Further, the Supreme Court made it easy for these new verifications to be
meaningless, because the wording they prescribed allowed the use of the words, “on
knowledge and belief” when swearing an oath under the Rules of Perjury. Such
words are not permitted by the Statute, neither does the Case law provide any support
for their use, except in certain circumstances which are not applicable to these
situations. The Supreme Court was aware of the law when it made the rule change.
After all, they are the Justices of the Supreme Court of Florida and not a collection of
poorly educated rednecks. Those of us who lack general and/or legal education are
not allowed to plead ignorance of the law, so it cannot be an option for our Supreme
Court Justices to plead lack of knowledge of it in defense of their failure to comply.
44. Nevertheless, the situation today is that only a handful of judges in our Circuit Courts

13
 are concerning themselves with the verification requirement and when the validity of
those Complaints is challenged by educated, pro se, litigants or their ‘counsels’ they
are brushed off, especially if the law firm in opposition is an expensive and
sophisticated firm, that represents the Florida Bankers Association, such as Akerman
Senterfitt, who plead one thing when representing that organization to the Supreme
Court and quite another when defending the indefensible in a Florida foreclosure
court before a senior judge who readily accepts their pleadings as evidenced from the
transcripts of official Court Reports.
45. Residents of Lee County who are currently the subject of blatantly fraudulent
foreclosures on their Homesteads and other real property have consistently challenged
the right of a judge in the 20th Circuit to, Sua Sponte, set their cases for “Docket
Sounding.” There is no authority for the setting of Docket Soundings in civil cases to
be found in any law or rule, within which, that Court is bound to operate . Further,
the judge Ordering these Docket Soundings, states his authority as, “this case is at
issue and ready for trial,” a legal definition to be found in the Florida Rules of Civil
Procedure unambiguously defines that the said Judge is out of order in using it to
justify his actions.
46. The said judge, more often than not, then sets the hearing in front of a general
magistrate, without, first, obtaining the consent of the parties as required by the
Rules, but instead buries on the third page of his Order a requirement for objections to
be raised by any party no later than the day of the hearing in a legally infirm attempt
to turn his obligation to comply with the rules into an obligation of the parties. Even
when defendants file valid objections to the Setting of the Docket Sounding based on
all these arguments, Magistrates still seek to exercise personal jurisdiction by
“sending the objecting defendant to a Judge, using the persuasive powers of an armed
Bailiff to give this unlawful act the color of law and to bring about compliance,”
47. On a number of occasions, the Court Reports paid for by these objectors has shown
that when Judges are asked to justify their jurisdiction to hold Docket Soundings for
Cases that are not at issue and ready for trial, they have pled ‘inherent authority’ and
stated that they have to hold these hearings because “the legislature has given them
funds to speed up the process of the docket.” (Double speak, meaning the obtaining of
Summary Judgments in favor of a bankster to steal the Defendants real property].
48. One such objector, whose court file contains a number of detailed Verified Motions
with exhibits that prove, over and over again, the existence of serious
misrepresentation and fraud upon the court by officers of the court, involving
amongst others, the Plaintiff and its ‘counsel’ found herself appearing at a Docket
Sounding in front of the very same judge who had issued the original legally infirm
Order who aggressively asked her if she was questioning his authority. Her
punishment was to have her case set for trial, when none of the issues had been
resolved. Subsequently that trial date was cancelled by the Plaintiff, because it was
not ready for trial. In truth it could never be ready for trial in any court other than one
as corrupted as the 20th Circuit Court in Lee County, Florida.
49. A serious problem exists within our government. Corruption runs so deep and has
become a common talking point and something to grumble about but tinged with a
belief that the government is too powerful to challenge. However, as more
information emerges as the extent of the corruption, especially bank sponsored fraud

14
 there is a growing willingness to constructively work to put an end to its universal
acceptance. To find evidence of corruption entails considerable investigative work,
not always made easy by the lack of transparency of relevant government records and
the suppression of incriminating evidence. No presumption of corruption of
individual Members is assumed in this Report, but it is beyond dispute that the
Banksters have obtained support for their frauds from the legislature. It is also
relevant that some of you are already aware of the facts being communicated to you,
whilst others may be in total ignorance or so politically motivated that you rely
entirely on the political teachings of your party and have not opened your mind to
things you would rather not hear. What will be true for all of you, who bother to read
this report is that by the time you have finished reading it, you will certainly know
that the state government to which you have been elected and have sworn an oath of
allegiance to its Constitution has either deliberately engaged in corruptive practices or
it has been naively deceived into providing a conduit for Bankster fraud, to further
their criminal activities, in all three of its branches and know that irrespective of how
it has happened, such corruption is against the interests of Floridians and US Citizens.
50. If you have read this far you must no longer buy into the Banksters only justification
for their frauds upon the people and the people’s courts, by constantly repeating that
the deadbeat homeowners have caused the problems by not paying their mortgages.
First, it was the Banksters, not the homeowners who created a massive Ponzi scheme,
defrauded Federal and State Tax Collectors, investors and borrowers. It was the same
Banksters who jacked-up the appraisals to create a buying fever, destroyed the
economy, destroyed the jobs that provided the incomes to pay the ever rising interest
on the loans and then have the audacity to proclaim that the borrowers caused the
problem by defaulting on their loans. Constant repetition of this and similar sound
bytes cannot compete with the facts that follow any detailed investigation into the
horrific truth. If you believe these lies and have acted, or propose to act upon them as
a public officer of this government you are either part of the corruption, you have
allowed yourself to be deceived by those Banksters, or are supporting the Federal
Government cover-up. Either way, deliberately deceiving the people from a position
of public office is a violation of your oath of office to uphold the Constitution. If you
are simply reciting the sound bites because you know the truth but believe you can
profit from hiding it behind those sound bites, then beware, sooner or later your sins
will catch up with you. There are many opinions and every person in a free society
is entitled to express those opinions, but there is always, only one set of facts.
51. This report contains nothing but facts. The truth behind the mortgage meltdown in
addition to others set out in this report, is demonstrated by the following set of facts:-
(a) The Housing Bubble was deliberately planned and implemented by
Wall Street entities and the Main Street Banks, including GSE’s.
(b) Mortgage and other loans were deliberately set up to fail.
(c) The lenders shown on Promissory Notes and Mortgages were not the
Lenders, but fraudulently used their licenses to document mortgage
loans in the various states and were funded by Wall Street Brokers
from the proceeds of the sale of Derivatives in wrongly described
AAA rated Mortgage Backed Securities, for which they were paid
excessive ‘yield spread premiums’ as a commission.

15
 (d) Notes and Mortgages were not sold in the secondary market, neither
were they transferred into securitized mortgage pools. It was
impossible for pretend lenders to sell what they did not own.
(e) Contrived sales in the secondary market were documented in the
Securities and Exchange Commission’s public records to avoid paying
federal taxes upon their profits by falsifying the appearance of
compliance with IRC 860 by filing bogus Mortgage Loan Purchase
Agreements (MLPA) documenting a false chain of title to demonstrate
that all their loans had legitimately passed through Real Estate
Mortgage Investment Conduits (REMIC), but such transactions did not
result in the loans being transferred into the Trusts for which the
Bankster Trustee was appointed under the terms of the MLPA and the
loans remained under the total control of the said Banksters.
(f) The documents filed with the SEC are extensive, frequently running to
over 1,000 pages of legal doubletalk, but the persistent and informed
investigators have established and evidenced that none of the mortgage
loans that they say were put into REMIC Trusts, ever reached those
Trusts. In fact, the majority of the ‘so-called’ Trusts were not Trusts
but a form of perpetual LLC with zero reporting requirements filed in
the State of Delaware for the benefit of those major Banks and/or
GSEs, as the true beneficiaries of all the frauds. These ‘Trusts’ are
named Delaware Statutory Trusts, but they are neither Statutory, nor
are they Trusts.
(g) The true Bankster beneficiaries of the frauds knowing the majority of
their bogus loans would default, also sold undisclosed and
unregulated multiple default insurances and credit default swaps sold
through the International Swaps and Derivatives Association on every
new mortgage loan in which they were involved to guarantee that
default and foreclosure would provide them with immediate profits on
their ill gotten loan capital in addition to the bonus profits to be gained
from the foreclosed property from its sale, from additional deficiency
judgments arising from their deliberate over-appraisal of the
properties.
(h) It is therefore a fact that in almost every mortgage foreclosure action
the foreclosing entity is not the owner of the Note or the Mortgage,
never lent any money, is an integral part of a criminally motivated
group has already reaped criminal profits, will share in multiple
proceeds from insurances, all the Notes have been deliberately
eliminated as admitted by the Supreme Court of Florida by the Florida
Bankers Association, or if that was also a lie, they pretended to lose
them to buy the time to fraudulently create on their faces a further
false chain of title, usually, quite different from the chain of title
documented in the public records of the SEC. Also all Notes are
already paid in full when the bogus foreclosure suits are filed. .
52. We understand that the above text contains major allegations of fraud levied against
some of the biggest and most powerful institutions in the land and we do not make

16
 these accusations lightly. We are fully prepared upon request given adequate notice
to furnish irrefutable documentary evidence supporting those accusations and if
required to justify them with such documentary evidence are willing so to do. It is
imperative that no further Bankster sponsored legislation be given any valuable
House time, but urgent legislative and other government action must be taken to stop
its continuing to undo the damage already done and to structure our State government
for the benefit of its present and future citizens.
53. Further, we emphasize that we are not the only source of such information. An ever
increasing number of people, many of whom publish evidence of these frauds on
specialized Internet Blog sites have amassed huge databases, evidencing and
memorializing the fraudulent theft of real property by the Banksters, the frauds upon
the court of the licensed attorneys, links to public information, evidence of the
tyrannical abuse of defendants in foreclosure lawsuits and much more. The
publishers of those sites generally do not allow speculative material to be aired and
are quick to remove any suspect information published by their members. Often the
information provides links to, or the text of, official documents, news reports,
depositions filed in Court Records, relevant legal decisions and much, much more,
the content of which is open to confirmatory investigations at source.
54. People seized of full knowledge of the depth of this massive Ponzi scheme continue
to ask the question; “why are these criminals not already serving long prison
sentences for the barefaced crimes upon our Courts and our Citizens?’ Why is David
J.Stern, the Fort Lauderdale Attorney and all the other known skilled conductors of
fraud on our courts still avoiding justice? Why is it, that months into the Attorney
General’s investigations into the alleged criminal activities of other law firms,
including Marshall C. Watson, Florida Default Law Group, Ben Ezra & Katz and &
Fishman that no arrests have been made and charges brought against these people?
Could it be that the State does not have enough prison cells to accommodate these
criminals, or is it because the eventual solution will be another one of those gag
ordered settlements described in the following paragraph, where the State, following
in the footsteps of the Federal authorities as in the Goldman settlement with the SEC,
collects ‘no fault’ payments rather than criminal prosecutions leading to fines and/or
imprisonment for those persons convicted of felonies?
55. Why are the Presidents CEO’s and CFO’s of the Banks and their key personnel,
together with other entities created as instruments of fraud, to include MERS,
Countywide and many other known criminal organizations still enjoying freedom and
living the high life from their ill gotten criminal gains while our lawmakers, law
enforcers and judiciary are concentrating on helping them to maintain their status
quo? Why is it that when the Executive Branches of our government do investigate
these people and their corporations that they are always resolved with out of court
settlements, which state ‘no fault’ and the ‘fines’ now disguised as settlements are
subjected to gag orders and the money goes into the Federal and State coffers and not
into the pockets of the victims of their Ponzi schemes?
56. However, people who have a working knowledge of the structure of government, its
role in acting as agent for Corporations and in particular the private banking system
known as the Federal Reserve and its subsidiaries in addition to knowledge of the
structure of the frauds and hard documentary evidence of how it is being done and

17
 who is doing it, no longer ask that question. The answer is simple; our government is
no longer acting on behalf of its people but on behalf of its paymasters and corruption
is rife throughout this nation and this State.
57. Members of the House and Senate are warned not to vote for any bank sponsored or
bank favored legislative changes and not to believe any of their rhetoric or false
attempts to describe black as white. However, serious and urgent legislative changes
need to be enacted to undermine these corrupt activities, to put a stop to the financial
rape of our citizens and to set this State back on the road to prosperity.
58. First, it is necessary to understand why it is necessary to enact such changes in our
laws and to fully understand how the people are being abused in our system of
hangman’s courts, where defendants in civil mortgage foreclosure cases are treated as
though they are criminals, accused of heinous crimes, or worse, already judged to be
guilty of them. The main drafter of this letter, a man in his mid seventies, has
personally been battered by an armed bailiff in a Civil Court in Lee County Florida at
the instigation of a so called Senior Judge for daring to suggest, in the presence of a
Court Reporter [who incidentally altered the running order of the dialogue during the
hearing when the transcript was produced] that he had a right to equal access to the
Court, to object to a non-existent defunct bank continuing to litigate a fraudulent
foreclosure action against him and his spouse and to object to an attorney testifying in
whispered tones which he could barely hear. All such foreclosure hearings are
conducted in these inaudible tones in the 20th Circuit Court and the Court recording
system is either switched off or the recordings made unavailable for purchase.
59. For these serious ‘crimes’ he and his spouse were punished by the inflicting of a
Summary Judgment, without hearing any of the substantial evidence filed in the case,
the tyrannical senior judge entered an Order, falsely stating that he had heard both
parties and Ordered that the Defendant be escorted from the court by an armed bailiff.
Over a year later the same elderly person was again improperly denied the right to
speak in that same case by another tyrannical senior judge despite being a defendant
in the case because the pretend Plaintiff’s Motion was for a deficiency judgment
against his spouse and UPL was used to prevent him from speaking. Despite the
Defendant’s protest the Plaintiff’s Motion was granted to a bank that had been given
the loan for free by the FDIC, as is evidenced in the FDIC’s Purchase and
Assumption agreement which the Court has refused to consider. Further the defunct
bank was unsure as to the identity of the owner of the loan when it filed its complaint,
prior to being closed down by its regulator for banking irregularities and other
offenses. The elderly Defendant was again escorted from the Court, this time by two
armed Bailiffs, while the third Bailiff who was in the Court on that occasion remained
inside to maintain Order. Two weeks later, in another case, the same judge again
tried to stop that same person from defending himself at a Docket Sounding on the
grounds that the signor of the Note was his spouse, but upon finally admitting that as
a defendant in that case he was entitled to speak as a pro se litigant in his defense,
indirectly admitted on the record that his previous Order to enter a Deficiency
Judgment was void and his use of Bailiffs to escort him from the Court was a further
act of abuse of an elderly person as was his earlier void judgment, for which no
attempt has been made by him to reverse. This is clear evidence of tyrannical judicial
behavior which is fully revealed in the official Court Report.

18
60. Defendants in hundreds of thousands of fraudulent foreclosure cases are herded
through these courts in Mass Foreclosure Dockets, sometimes at the rate of a
thousand a day, for the sole purpose of being told how many days they have to leave
their homes, reminiscent of the show trials of the Third Reich or akin to the
processing of farm animals through a stockyard. This is what our State legislators
have created and propose to continue to support when they vote for bankster
sponsored or supported legislative changes. This has to stop immediately! This is the
State of Florida, in the UNITED STATES OF AMERICA, the home of the brave and
the finest instrument of democracy ever created – the United States Constitution that
was created to prevent the very things that its corruption by Banksters and other
Corporations has devastated.
61. All power corrupts, but absolute power corrupts absolutely and it was precisely for
that reason that the Founding Fathers enshrined things into our Constitution as
amended and improved in the subsequent Amendments, the violation of which
impairs or reverses its far seeing benefits to the citizens of this country and this state.
Those inviolate contents of the centerpiece of our Democratic Republic were, the
separation of Church and State, the rejection of a Monarchy and its surrounding elite
[or the creation of any new elites] and the separation of power between the
government branches of legislature, executive and judiciary. Any abandonment of
those essential elements is fatal to our Democratic Republic and can only eventually
lead to violence and civil unrest as evidenced by the French Revolution. Our
legislators hold the key to at least putting Florida back into compliance with the
principles of the United States Constitution, from which other States might follow
their leadership and statesmanship.
62. As legislators you should already know, but to emphasize that the writers of this letter
are equally informed, a brief recap of the events that led to this present abuse of the
rights of our citizens that occurs on a daily basis in the Florida Courts is deemed
necessary. We start with the Florida Bar and the corruption of the State’s Judicial
Branch of Government.

THE CORRUPTION OF THE FLORIDA BAR AND ITS ROLE IN THIS

BANKSTER INSPIRED PONZI SCHEME.

63. The 25 percent of Members of the Legislature that unlawfully hold office because of
their continued membership of the Florida Bar, which by virtue of being an integral
part of the Supreme Court of Florida is part of the Judicial Arm of Government in this
State are fully aware that the tyrannical abuse of defendants in fraudulent mortgage
foreclosure cases is made possible by the fact that some 90,000 Florida Bar Members
became and remain today an elite sector of our society and enjoy the luxury when
acting as Attorneys that their criminal activities will not be prosecuted by the
Executive Arm of Government and according to at least one Florida Judge can only
be pursued by the Bar. There cannot be any true justification in our Democratic
Republic for removing these people from the reach of the Executive Branch. The law
requires equality of treatment for all, regardless of race, creed, religion or station in
life. Every other business or profession is directly regulated by the Executive Branch,
through the State Attorney General and that must be restored if we are to have any

19
 hope of retrieving and maintaining our Democracy.
64. Those Attorneys whose professional guild, The Florida Bar, is not restricted to
disciplining its members for breaches of professional ethics, as is every other
professional body in Florida, but, provided they do not upset their peers, their
members enjoy the unique luxury of having their civil and criminal misdemeanors
and serious crimes shielded from prosecution by the Executive Branch, to include the
felonies they commit when acting as Attorneys and counsel to their criminal plaintiffs
in foreclosure cases.
65. The official surrender of Florida's third branch of government, the Supreme Court of
Florida to a private professional trade group, formerly known as the Florida State Bar
Association and now known as The Florida Bar, occurred on June 7, 1949. This
government takeover set the stage for the present day graft and corruption now
found in Florida's judicial system.
66. Since the signing of this court order, The Florida Bar has amassed massive private
assets, which continue to rise from investment returns and membership dues, not the
property of the state. All this loose unregulated wealth controlled by the Florida Bar’s
leaders, absent legislative control of its use, has created an oppressive monster and
has fed the corruption and judicial abuse presently experienced by members and non-
members of The Florida Bar, where the pro-se litigant is treated like a criminal,
cannot be represented by anyone other than a Florida Bar member and those who can
afford to be represented by ‘counsel’ are represented by persons more concerned
about the power of the Bar to strip them of their license for challenging the legality of
Court actions or to stand up against corrupt judges, than they are to vigorously defend
their client’s interests as their oath requires them so to do.
67. Further, the legal profession has become big business, irrespective of whether
individual clients are Plaintiffs or Defendants, where justice is not the objective, but
to keep the clock running on billable hours for maximum profit. Even if there are
some judges and lawyers dedicated to the proper administration of justice, there are,
unfortunately, many who are not and in the Mass Foreclosure Dockets they are almost
extinct. Most of those judges as a matter of daily routine abuse the law and the
persons over which they obtain, in personam, jurisdiction. They also abuse their
judicial immunity and independence and the trust and confidence of the people, who
now understand that it is not only the legislative and executive branches of
government that have long been recognized as being susceptible to corruption by the
power and wealth of corporations, but its Judicial Branch, which is now completely
corrupted and ineffective as the instrument of justice intended by the Constitutions
when administrating and adjudicating mortgage foreclosure cases. .
68. The integration into the Florida Supreme Court of what is now named “The Florida
Bar” occurred in 1949 by Order of the Florida Supreme Court. The Order was issued
upon consideration of a Petition from the forerunner of the Florida Bar, “The Florida
State Bar Association”, which was not at that time the only professional association
then in operation in the state of Florida. The motivation of the Florida State Bar
Association at that time was to create a monopoly for itself and to simultaneously
create an elite with a title [“Esquire”], to distance their members from the rest of us.
69. The 1949 Order enabled a private professional trade association to establish that
monopoly to give legal advice, draft any legal document or act as an advocate in any

20
 legal matter, whether or not such advocacy was conducted in a Court of Law. It also
enabled the use (abuse) of the power of the State to enforce compliance with
whatever edict they put in their Rules by virtue of their integration with the Florida
Supreme Court. Further, by transferring the power of regulation of all of their
members from the Executive Branch of government to themselves using the authority
of the Judicial Branch of government that effectively took the “Esquires” out of the
criminal justice system in respect of activity in which they engaged when acting as a
licensed attorney. That unsatisfactory situation still exists today, but is believed to be
unlawful and unenforceable. The regulation of all members of the Florida Bar must
be returned to the Executive Branch of Government under the direction of the State
Attorney General. There was no legal basis for its transfer away from that branch of
government and therefore does not require any legislative action for it to be returned.
70. It is the existence of this anomaly in our system of government that has fostered and
allowed to continue uninterrupted the unprecedented and voluminous crimes being
committed by members of the Florida Bar when acting as Plaintiffs’ counsels in the
Mass Foreclosure Dockets. The support of the people of this state when this Order
was affected was influenced by the Florida Bar’s postulation that this was done to
protect Floridians whereas it was and remains wholly motivated to increase the
corruptive power of that private organization.
71. The Florida Bar, [now integrated with the Supreme Court of Florida has apparently
been acting without any legal basis for so doing in its investigations and prosecutions
for what it deems to be ‘The Unlicensed Practice of Law) UPL). Acting as a ‘self
appointed’ arm of the Court, it claims that its Rules provide it with the power to
investigate and prosecute the Florida Bar designated ‘crime’ of UPL, thus ensuring
that no person who was not under their direct control could offer any legal advice,
draft any legal document, or act as an advocate for another person in or out of Court.
The last bastion of any opportunity to give and receive legal advice, to draft legal
papers, or speak in Court is the so-called ‘pro se’ litigant, who is deemed to be acting
in a dual capacity, that of the party in the action and of counsel for that party. In the
Mass Foreclosure Docket such people are subjected to tyrannical abuse by Senior
Judges with the aid of Court Bailiffs.
72. The authors of this report have searched the Florida Statutes to find authority for the
investigation and prosecution of the unlicensed practice of law and can find no such
Statute. It appears that there is no statutory authority for its imposition. The Florida
Bar’s justification for its investigations and prosecution of UPL is contained in the
Rules Regulating the Florida Bar at Rule 10.1.1. Jurisdiction, which reads:

“Pursuant to the provisions of article V. section 15, of the Florida Constitution,

the Supreme Court of Florida has inherent jurisdiction to prohibit the unlicensed
practice of law.”
Article V. section 15 of the Florida Constitution reads;
“Attorneys: admission and discipline – The Supreme Court shall have exclusive
jurisdiction to regulate the admission of persons to the practice of law and the
discipline of persons admitted.”

Article V. Section 15 of the Florida Constitution does not provide any such

21
 ‘inherent jurisdiction’ and in fact specifically confines their authority to
Members of the Florida Bar.

It specifically and unambiguously restricts the authority of the Bar to disciplining

“persons’ admitted.” The limit of its conferred authority upon non-members is to
refuse them admission. The Supreme Court and the Florida Bar must both be aware
that the powers of the Supreme Court under the separation of powers in the
Constitution are limited to interpretation of the law. The enacting, or making of laws
is the job of the Legislative Branch. Neither the Florida Bar, nor the Florida Supreme
Court has any power to legislate and the latter cannot create case law under which to
justify its actions, absent an enabling statute. Therefore there cannot be any
justification for the Florida Supreme Court or the integrated “Florida Bar to
investigate or prosecute UPL in respect of non-lawyers. That lack of legal authority
has not prevented it from using its assumed powers to the point of obtaining
convictions with penalties that have included incarceration of persons for this ‘crime.’
Neither has it prevented the Florida Bar from using this assumed power to intimidate
anyone who criticizes the status quo, challenges their monopoly or exposes unlawful
or unprofessional conduct of one of their elite “Esquires.” Such people are harassed
by the Bar who on the slightest whim attempt to obtain “information” from their
intended victim of their ‘criminal’ prosecution by “asking for full details of business
records” which they fully intend to use to substantiate bringing criminal charges
against that person, but without any reference to their Miranda rights or even to the
existence of the Fifth Amendment. In many instances, however, without any
supporting evidence, they swoop without warning, charging their victims with the
unlicensed practice of law (UPL) and prosecuting them without due process of law
and are denied a jury trial. The Florida Supreme Court should immediately issue a
clarification that it does not have and never did have, any statutory or other legal
justification for UPL.
73. Their powers over their members are usually exercised through harassment by their
peers and/or threats by Bar leaders of being stripped of the license to practice law, on
some trumped up charge, if they should attempt to expose the ugly truth, As a result,
our state and federal judicial systems have become a corrupt forum for only the
wealthy and the powerful. Persons of lesser financial status only receive the amount
of "justice" their bank accounts can buy. Our system of justice has been reduced to
nothing more than a government-protected racket designed to enrich a select
few, especially Corporations and above all the corrupt money changers who call
themselves Banks, whilst their victims, the people who need the impartial reliability
of an honest government, continue to be abused by the very instruments of
government that were carefully designed to protect them. In other words and in
simple terms, justice is for sale in Florida, but it is not "on sale."

URGENT LEGISLATIVE ACTION IS REQUIRED TO STOP THIS ABUSE.

74. There must be an immediate pause in the progress of any further laws based on
the false premises of the Banksters, whether directly sponsored by them or not.
75. Any instructions given to the Judicial Branch regarding the additional finances

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 paid or payable to them must be immediately withdrawn. To continue to use
these public funds to allow the continuation and expansion of the curtailment of
our citizens equal access to the law, for the express purpose of speeding up an
unlawful process to hasten the issuance of unlawful Judgment Orders obtained
by Banks with no Standing based upon Sham Pleadings and ignoring the
evidence that alleges and proves that those Judgments have been based upon
forged and other fabricated documents and hearsay evidence, filed and
presented by officers of the court and to finance the abuses described in this
report is unacceptable, constitutes serious and out of control abuse of the laws of
this State, including but limited to the separation of powers. All expenditure on
these activities [including that already incurred] constitutes corruption of public
funds, for which the voting members of this legislature are culpable.
76. All members of the legislature who are also Members of the Judicial Branch of
Government by virtue of continued membership of the Florida Bar must
immediately resign as legislators or, alternatively, immediately resign from the
Florida Bar as they are in open violation of the Florida and United States
Constitutions. Refusal to comply will continue to leave every one of those
legislators in violation of their Candidates’ oaths with severe criminal potential
consequences. If those Bar Members continue to practice law, or benefit from
law offices in which they retain an interest, they are also benefiting from profit
generated in one branch of the Government, whilst holding public office in
another branch of government, in violation of the separation of powers.
77. This report in addition to being hand delivered to all Members of the House and
Senate is also being communicated electronically to the Governor and the
Attorney General, in addition to non-governmental destinations. In the event
that the AG finds that any of the allegations in this report are true and that
unlawful actions are being taken by any public officer in any of the three
branches of government that she will instigate speedy executive action to ensure
strict compliance with the law. This is especially relevant to paragraph 76
herein where the immediate arrest must be ordered of any Member of the House
or Senate who is currently a member of the Florida Bar if they refuse to resign
their membership of the legislature or the Florida Bar and to charge them with
the appropriate constitutional violations.
78. The regulation of all members of the Florida Bar must be removed from the
Judicial Branch of Government and transferred back to the Executive Branch of
Government. It appears never to have been the subject of enabling Legislation
and should not require anything more than a voluntary return of those powers
to the Executive Branch or alternatively enforced by the AG.
79. The law requiring Judges to be Members of the Florida Bar must be repealed
and upon acceptance of their offices must resign their Bar Membership. Upon
termination of their Judicial Office they should be guaranteed re-entry into the
bar upon application, such re-entry not to be made conditional based upon their
Judicial record, unless their office was terminated upon being convicted of a
felony . Irrespective, allegations, supported by evidence of abuse of law by
Judges in Office, must be conducted by the Executive Branch, not be subjected
to confidentiality, and be vigorously prosecuted with maximum penalties if the

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 proceedings result in conviction of any felony.
80. The pro-Bankster and pro-Homeowners Association law enacted in the last
session of the legislature must be modified to allow the interception of up to half
all rental payments received from rentals of properties with delinquent
homeowner’s fees. The present law is anti-homeowner, provides no incentive for
the homeowner to rent vacant property or to keep existing tenants in the
property causing wear and tear upon a property and entitled to repairs and
maintenance under the terms of their leases. Further any such intercepted
rentals should be first directed to the delinquent fees, secondly to any interest
owing and no more than 10% of each intercepted rental shall be paid in
settlement of attorneys fees. The present statute is counter productive,
prioritizes the funds collected to settle attorney’s fees and is contrary to its
expressed intent.
81. The urgent legislative changes must include the equalization of the legal profession in
Florida with all other forms of human life, irrespective of whether or not represented
by a professional association, guild, or union. There must be an urgent and
immediate end to the existing protection from the full force of the law that was
created by the integration of the Bar with the Supreme Court of Florida, whether
those protections are perceived or real and at present they are certainly real. There
must be an urgent end to this severe threat to the quality of life of Floridians, when
over 90,000 of our residents enjoy the privileged status of protection against
prosecution, other than by their peers, which uses that immunity to threaten and
cajole both members and non-members alike, members with the loss of their licenses
and non member with prosecution for UPL. This report finds no law that allows the
Florida Supreme Court, or the integrated Florida Bar to investigate and prosecute
UPL and there is therefore no action required of the Legislature to correct this further
abuse of government power with the Judicial Branch of government.

THE ROLE AND DUTY OF THE EXECUTIVE BRANCH OF FLORIDA STATE

GOVERNMENT TO END CORRUPTION

82. Despite the 1949 change in the Florida Constitution no change was made to that
Constitution at any time that permits any person to operate within more than one
branch of government at the same time. On the contrary a person is prohibited from
holding an office of profit, or of simultaneously operating as an officer in more than
one branch of government. This means that the 25% Members of the Florida
Legislature that are licensed attorneys and members of the Bar that is integrated with
the Supreme Court, cannot be both Bar Members and Legislators. Further all those
current members of the Bar cannot participate in law making and every time they vote
they are violating their oath of allegiance to the Constitution to both State and United
States Constitutions. If this statement upon examination is found to be correct the
Attorney General must move to ensure that any violation of that Constitutional law is
immediately ended.
83. All current members of the legislature that are currently members of the Bar
must immediately resign their public office, or alternatively resign from the
Florida Bar with immediate effect to legalize their future participation in law

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 making in Florida, but will remain in violation of their oaths for all past
participations in law making. This letter must be brought to the personal
attention of each member of the legislature and recorded on the House and
Senate Public Records but it is essential that all members of the legislature who
are also Members of the Bar are informed of the importance of compliance with
the Florida Constitution and a public record must be made of what actions are
taken, if any, upon receipt of this letter.
84. Alternatively, the Florida Bar and the Supreme Court can separate themselves to
place the Florida Bar outside the government so that the Bar becomes just like any
other professional association its members will be free to occupy offices within the
other two branches of government. What cannot happen is the continuation of the
status quo.
85. The Attorney General is presently required to be a Member of the Florida Bar. This
requirement is in contravention of the Florida Constitution and the Attorney General
must not remain a member of the Judicial Branch of Government, subject of course to
the Florida Bar remaining as an integral part of the Supreme Court.
86. It is presently mandated that all Judges must be members of the Florida Bar and as
anyone who has attempted to force the Disqualification of an abusive or tyrannical
judge from adjudicating their cases or because such a Judge has issued legally infirm,
Sua Sponte, Orders in his Chambers, they are blatantly refused against all State and
Federal statutes and case laws and their peers are not prepared to lift a finger to
enforce their compliance. Any Judicial Complaint has to remain confidential which
ensures that it remains within the protective shield of the Supreme Court, complete
with its integrated Bar.
87. Nevertheless, it is a fact of law that Judges must comply with the laws upon which
they rely to exercise their powers of adjudication and that failure to comply with
those laws is serious crime, to include Interference with State Commerce and Treason
against the Constitution of the United States. Upon receipt of allegations that any
Judge is engaging in abuses of law from the bench, must immediately act to
investigate those allegations and if necessary suspend the suspect judge from duty,
while his case is under investigation and/or being prosecuted to protect the people and
the integrity of the law.
88. Judicial immunity does not extend to protecting Judges who by virtue of failure to
comply with the law have surrendered their judicial immunity and as a result are
acting in their personal capacities whilst masquerading as Judges and the supreme
officers of Courts of Jurisdiction which exercise powers of life and death over some
people and in foreclosure Actions, wields the power to Order Summary and Final
Judgments to deprive residents of this State and Citizens of this Nation of their real
property, including their family homes.
89. As if that were not abuse enough the local Sheriff and his Deputies, [who have
shielded these Judges during their abuses of power in the Courtroom when acting as
Bailiffs under the judge’s control when they are part of the Executive Branch of
Government, rather than to act in accordance with the Executive Branch’s
responsibility as keepers of the peace and protecting all people from unlawful acts],
subsequent to these fraudulent and void judgments being Ordered, then force their
implementation again using the Executive Branch of Government by enforcing writs

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 of possession thus extending the color of law already provided to unlawful acts in the
Courtroom to the forced eviction of the wronged individual from their Homesteads or
other Real Property.
90. This must be stopped. This is the Paradise State of Florida, part of the United States
of America. Enough is enough. Urgent action is required to eliminate these
corporation controlling fascist activities from our beloved homeland and democratic
republic.
91. Upon receipt and urgent consideration of this report the Attorney General must issue
unambiguous instructions to the Sheriffs and any and all law enforcement officers
within the State of the serious nature of using the powers of armed law enforcement
and by so doing spending public funds under the color of law upon the performance
of unlawful acts. This must include acting on the instructions of Circuit or County
Court Judges when acting as Court Bailiffs, or participating in any kind of
intimidation of any person who is not acting, threatening, or displaying behaviors that
indicate impending violent or other abusive behavior. Law enforcement officers must
be strongly reminded that they cannot give the color of law to illegal acts whether
exercised as Bailiffs in a courtroom or by evicting anyone from their home, if the
legality of the writ of possession is in any doubt. Such an Order from the Attorney
General would probably exclude most if not all such Sheriff’s evictions of persons
who have been the victims of fraudulent foreclosure lawsuits in which they have been
deliberately denied their right to a fair trial.

IMMEDIATE ACTIONS WHICH MUST BE TAKEN BY THE SUPREME

COURT OF FLORIDA TO STOP THE ABUSE OF ITS RESIDENTS BY COURT
ADMINISTRATORS, JUDGES AND PLAINTIFF’S COUNSELS IN
ORGANIZING OR DENYING DUE PROCESS OF LAW IN MORTGAGE
FORECLOSURE CASES AND TO HALT THE FRAUDS UPON THE COURTS
BEING COMMITTED IN VOLUME AND DAILY BY MEMBERS OF THE
FLORIDA BAR REPRESENTING PLAINTIFFS IN THOSE CASES IN CIRCUIT
COURTS.

92. On November 13, 2010 Chief Justice Canady sent a Directional Memorandum to
each Chief Judge in the State and copied it to the various people who were the
signatories of a letter received by him just two business days prior to his taking that
action.
93. The Directional Memorandum appears to have been largely ignored by the Chief
Judges and those Judges who are abusing the law by operating Mass Foreclosure
Dockets, which by design and operation prevent any possibility that mortgage
foreclosure cases will be adjudicated strictly in compliance with the law as
specifically Ordered by the Chief Justice in the said Directional Memorandum.
94. Either, the Chief Justice did not expect his Order to be obeyed and was simply
window dressing for the benefit of the Florida Press Council, The American Civil
Liberties Union and the other entities whose Counsel’s had authored the letter that
appeared to prompt him to issue it, or he did mean what he said in which case it is
difficult to understand why there has not only been little if any change in the Circuit
Courts, but reports and personal experiences of some of the contributors to this report

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 establish that ever increasing abuses of judicial power and denial of due process
rights to the unfortunate victims of the judges’ tyranny are in evidence,
95. Clearly the Supreme Court cannot justify issuing a Directional Memorandum
demanding compliance with the law and ignore responsible and documented reports
that almost all foreclosure cases are being adjudicated in complete contempt of those
laws. Indeed, it is more than evident to anyone who has spent any time in Circuit
Courts in this State that the judges adjudicating those case have no respect for the law
or the civil rights of defendants in mortgage foreclosure cases that pass through their
Mass Foreclosure Dockets. The 20th Circuit in particular has set up the Mass
Foreclosure Docket to make it impossible for any defendant in a foreclosure case to
set an evidentiary hearing to which they are entitled as a matter of law, before the
Assigned Judge on their case. They are not only forced to set any hearing before a so
called senior judge, whose appointment is to assist the Assigned Judges, where the
time offered is five minutes and at most on the Court’s admission cannot exceed
thirty minutes.
96. The Chief Justice must write to every Circuit Court Chief Judge to whom he
wrote his Directional Memorandum in November last year and instruct that all
Mass Foreclosure Dockets, or any other programs that violate the civil and due
process rights of defendants in foreclosure cases be terminated with immediate
effect and that all such Hearings on their Court calendars be cancelled and
parties notified. All Plaintiff’s and Defendants counsels to be notified
electronically that these programs have been abandoned, that all such hearings
have been cancelled and the Mass Foreclosure Docket program has been
terminated. All pro se litigants must be notified by overnight mail if their court
dates are imminent or by US Mail if time permits. The instruction to end all
such programs must also be released to the Press and published on all the
Circuit Court internet sites.
97. All Members of the Florida bar must be told of the general accusations made
against those of them who have been acting as counsel to Plaintiffs in Mortgage
Foreclosure Cases and warned of the serious implications to each of them if
those allegations upon investigation by the Attorney General’s department, or
any Federal Agency are found to be true. Further all Attorneys who presently
act as counsel to Defendants in foreclosure cases [including local stand in
attorneys] must be instructed to challenge any abuses of due process to which
their clients are subjected and not to desist from such action because of fear of
improper disciplinary action being taken against them or because they place
their own financial interests above those of their clients’ right to justice.
98. With respect to the Chief Justice and all the Justices of the Supreme Court of Florida
anything less than compliance with these demands will only serve to emphasize the
urgency of the need for the legislative changes this report has called for on behalf of
the people of this State.
99. The Supreme Court must also abandon the current mandatory mediation program on
the basis that no mediation should be entered into or continued unless proof of
Standing is established upon filing a legally correct and verified Complaint, complete
with exhibits, as required by law. Before the Courts Order mandatory mediation it
must be equitable for them to first establish that the Plaintiff has Standing to litigate

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 the Case based upon the filed Complaint to include all attachments required to
comply with the law. In the majority of foreclosure cases the Plaintiff has failed to
demonstrate Standing as required by law and it is wrong of the Courts to continue to
provide those Plaintiffs with a mediation vehicle if their Standing has not been
established in accordance with the law. Mandatory mediation, is inappropriate where
Standing is not established at the time when the lawsuit is filed and the Courts should
not allow the Plaintiff’s to use it as a platform to mediate or negotiate any settlement
payments of any kind. Where an Order to Dismiss an Action is based upon an in
Chambers decision of a Judge and subsequently challenged by the Plaintiff, the right
to mediation must remain in suspension pending the determination of the facts.
100. The abandonment or at least, the suspension of the Mediation Program will save
Court time, but the time consuming kangaroo courts being adjudicated in this State
are not only unjust but an unnecessary consumer of vast amounts of Court time and
incur huge unnecessary expenditure and the misappropriation of public funds that
could be more usefully directed to stimulating the local economies.
101. The Supreme Court’s Task Force was advised in 2009 that the threshold issue of
Standing was the key to preventing the management of foreclosure cases from
spiraling out of control, but chose to ignore that advice. It is not necessary for the
majority of foreclosure cases to progress through the Courts, simply because they fail
to establish Standing when the Complaints are filed. A simple checklist against
which all new foreclosure filings are checked would immediately establish whether
Standing had been demonstrated.
102. Clerks of the Court could engage suitably trained personnel to check each filing
for Standing and electronically record their findings prior to a Judge in Chambers
issuing Orders to Dismiss all those cases that failed to comply. As this would remove
from the Docket the majority of all filings of foreclosure complaints, the Courts could
return to a more normal docket. The Supreme Court’s Task force rejected such
proposals but failed to provide a satisfactory argument to support that conclusion,
favoring instead, a program of increased filing fees, verified complaints, mandatory
mediation and the instigation of Mass Foreclosure Dockets, after having been advised
of their duty to maintain due process and in the full knowledge that such Dockets
would automatically deprive defendants in those cases of their due process rights in
open abuse of the law.
103. The Supreme Court should now Order that all foreclosure Complaints shall be
Dismissed if the Complaint has not been verified, the verification complies in all
respects with Florida Statutes and Case Law and the Complaint when read together
with all legally required attachments fails to demonstrate, prima face, Standing and/or
a Cause of Action and that all such Dismissals shall count as a first Dismissal of
Plaintiff’s Complaint. The implementation of this Administrative Program will
eliminate the pressure on Court time, allow for the eradication of Mass Foreclosure
Dockets and end the fraudulent persecution of Bankster’s victims in one fell swoop.
104. The Florida Bar must immediately cease all investigations and any prosecutions
of UPL based upon the facts presented in this Report. There is no constitutional or
statutory law that permits any such actions. It appears that the Supreme Court may
have justified past prosecutions upon case law, but it is not possible with thin powers
allocated to the Judicial Branch of Government to establish case law if there is no

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 enabling Constitutional provision or Statute. Any such rootless case law must
therefore be void. The present persecution of anyone who dares to proffer any kind
of information or help to a person who is being victimized in the Courts of this State
and the courts’ point blank refusal to allow a litigant in this state to choose to use an
advocate or an attorney-in-fact to represent them in court, even when the person they
try to represent is a spouse or other close relative or lifelong friend violates the Bill of
Rights and is detrimental to the adjudication of justice in this state. The Chief Justice
must Order the immediate abandonment of the expenditure of any public funds for
what appears to be a totally unlawful purpose.
105. This report not only demonstrates that there is no law which authorizes the
Florida Bar to proclaim, investigate or prosecute UPL, but well memorializes the true
protectionist purpose behind it and the inadvisability of such monopolistic powers
being wielded by any private or government organization. It is also of course not in
the interests of the people of Florida to be restricted as to their choice of who they can
enlist to help them in legal matter. This is not a matter for government to involve
itself in. There is already ample protection in our laws to deal with fraudulent
misrepresentation to protect the public against being misled. This should and in
reality is a matter for individual discretion by anyone who is the subject of litigation.
Given the belief of most citizens of the United States that less government is
preferable to more government and that decisions regarding the conduct of civil
lawsuits are generally confined to adults, there is no justification for spending money
on the investigation and prosecution of UPL, except in the circumstances described
above where deception and/or false claims have been made to dishonestly provide
unfair competition. Most adult Americans are able to make their own decisions
about such matters and do not need government interference with their prescriptive
right to freedom of choice. They only need to be protected against dishonesty and as
the court records and this report memorializes, Florida Bar Membership is no
guarantee of that, in fact such is the level of corruption in our legal system in the mass
foreclosure dockets that membership of that body might presently be viewed as a
distinct disadvantage to anyone seeking Justice in Florida’s Courts.
106. The immediate termination of any UPL pretence by the Florida Bar will have the
instant benefit of removing the power of a, proven to be corrupt Bar, over those of
their members that want to provide their clients with the full benefit of their skills but
are restricted in those desires by their fear of the Bar’s power over them. Putting an
end to this power will have the immediate effect of improving its members’ quality of
service that will be further enhanced by the competition of non-bar members. It will
also enable those previous members of the Bar who were improperly deprived of their
licenses to practice law to use their uncorrupted talents and to obtain damages for
their wrongful victimization by that monopoly.
107. The separation of powers requires that the Supreme Court cannot be integrated
with the Florida Bar and be controlled by that private organization and to argue that
any involvement of the Legislature or the Executive Branches is in violation of that
separation is a complete fabrication of the reason behind the importance and reason
for requiring the separation of powers between the three branches of government. The
practice of law is quite separate from the power of interpretation of the meaning of
the law and the adjudication of alleged criminal offenses or of Civil Disputes between

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parties and the integration of the practice of law into the Judicial Branch of
Government is the root of our present corrupt Judiciary supported by those corrupted
plaintiff’s legal ‘counsels’ whose standard practices include continuous fraud upon
the courts in which they practice law, but whose criminal actions are protected by
monopolistic Florida Bar, operating as part of the Supreme Court and of the Judicial
Branch.
For our members and the Citizens of the United States, March 8, 2011.

Mortgage Justice Group.

MORTGAGE JUSTICE GROUP

46 N. Washington Blvd, Sarasota, Florida 34236
e-mail: mortgagejustice1@yahoo.com

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