Howard Griswold Conference CallThursday, June 23, 2011 Partial Howard Griswold Conference calls: 218-844-3388 pin 966771#

(6 mutes & un-mutes), Thursdays at 8 p.m., Eastern Time. 6 Mutes and un-mutes Conference Call is simulcast on: www.TheREALPublicRadio.Net Starting in the first hour at 8 p.m. Note: there is a hydrate water call Mondays, same time and number and pin #. Howards home number: 302-875-2653 (between 9:30, a.m, and 7:00, p.m.) Mickeys debt collection call is 8:00 p.m., Eastern Time, Wednesday night. The number is 712 432 8773 and the pin number is 947975#. Mickey Paolettas cell number is 717-979-3061 Check out: www.escapeharrassment.com www.escape-tickets-IRS-court.org All correspondence to: Gemini Investment Research Group, POB 398, Delmar, Del. 19940 (do not address mail to Howard Griswold since Howard has not taken up residence in that mailbox and since hes on good terms with his wife he isnt likely to in the foreseeable future.) "All" Howard's and GEMINI RESEARCH's information through the years, has been gathered, combined and collated into 3 "Home-Study Courses" and "Information packages" listed at www.peoples-rights.com "Mail Order" DONATIONS and/or Toll-Free 1-877-544-4718 (24 Hours F.A.Q. line) Dave DiReamer can be reached at: notaxman@dmv.com Peoples-rights has a new book available from The Informer: Just Who Really Owns the United States, the International Monetary Fund, Federal Reserve, World Bank, Your House, Your Car, Everythingthe Myth and the Reality. Hell take $45 for the book to help with ads, but $40 would be ok which includes shipping ($35 barebones minimum) www.peoples-rights.com c/o 1624 Savannah Road, Lewes, Delaware 19958 ******************** Christian Walters (trusts) is on Mondays, Tuesdays and Saturdays at nine o'clock, Eastern Time. The number is 1-712-432-0075 and the pin is 149939# (9 pm EST). Wednesdays number is 1-724-444-7444 and the pin is 41875# (8 pm, Eastern) or tune in on Wednesday

at Talkshoe.com at http://www.talkshoe.com/talkshoe/web/talkCast.jsp? masterId=41875&cmd=tc Often you can find a transcript or a partial one for the weeks call at the following website: http://groups.yahoo.com/group/peoplelookingforthetruth Howard approves or disapproves all postings to this yahoo group. Send potential posting to Howard. Note: questions to Howard are now submitted to Howard, preferably typed, to Gemini Research rather than fielded on the call live. It would be desirable to send a couple of bucks for mailing, copying and printing costs. ********************* Extra legal help is available from the firm, Ketchum, Dewey, Cheatham and Howe. When you arent talking please mute your phone!! Especially, dont walk away from your phone while its unmated. If you were near the phone in that situation youd hear the callers screaming at you to mute!!! It would be best if you mute your phone when you first come on, then un-mute it when you want to talk and then re-mute it. You can use the *6 button on your phone or use the phones mute button Speaker phones and cell phones are not desirable as they can chop up the call badly occasionally. If you are recording the call and leave the phone unintended, please mute!!!!! Note, at various times some people left the phone un-muted and coupled television audio into the phone making the conference call conversations very difficult for all. When you are not muted be careful of making noise such as breathing hard into the phones microphone or rubbing the mouthpiece or not reducing extraneous noise across the room. Cell phones can pick up wind noise when used outside and also if not in a primary reception zone can couple noise into the call. Excessive echoes and noise will terminate the conference call. Cell phones and speaker phones can cause echoes. Keep the call quiet, dont make Howard climb out of his mailbox and bop you one. ******************************************************************* Note: the telephone lines are usually quite noisy and therefore it would be prudent to slow your speech down otherwise your words and meaning will be lost. Suggestion: Get a phone with a privacy or mute button. This is much more convenient than star-6 and more rapid to use. It can also be used as a cough button since it can be used rapidly. Try it, youll like it. ********************************************************************* Mickeys new call-in number: 1-712-432-8787, pin: 170555#

8 p.m, EST Check out Citizens Reform Center. **************************************** A recording of each Howard Griswold Thursday conference call is available from Dezert Owl upon request for any sized donation. Go to the following link: www.TheRealPublicRadio.Net/Archives.html . For donations to desert, send them to Free America Radio Network, 121 Seaparc Circle, Suite B, Kingsland, Georgia 31548. Phone number: 912-882-2142. Cell: 304-629-7169. For reference: Jersey City v. Hague, 115 Atlantic Reporter 2nd, page 8 (A 2nd ) ********** Project for all: Howard needs information on how to write a complaint for breach of the trust. Hit the libraries! ***************************************************** Start ***************************************************** {01:55:34.546} [Howard] Every time I look at this I find it to be more and more important for us to realize about the history of things that were done in this country and how these references that have pointed out here to these different things show where the government personnel have breached their fiduciary and trust duties as the protectors of the American people which the government was supposed to be. First of all, he discusses the IRS. He states very emphatically the IRS is not a US government agency. It is an agency of the IMF. See Diversified Metals Products v. IRS et al. I think this is an Oregon District Court case. This never went to the Court of Appeals or to the Supreme Court so it is not in a reporter book. It can only be looked up on line and I think its the US District Court in Oregon. If Im wrong its the US District Court in Washingtonsomewhere out in the Northwest Washington, Oregon area. But that is also backed up by public law 94-564, also backed up Senate Report 94-1148 pg 5967, also backed up by Reorganization Plan #26, public law 102-391. Now, the important part of understanding what that means is that the United States government does not and has not existed for years. In 1945 the US government created a thing called the UN. The history tells us that it was done by a number of politicians here in America and a few foreign high-level officials that met in San Francisco and they created this thing called the UN. Now, in 1931 the United States government in the Hague Convention unilaterally declared bankruptcy with most of the other nations of the worldat least the big nations that were monetarily suited at that time to be involved in commerce. Some of the nations of the world are not and were not in commerce. They werent monetary nations but all the ones that were unilaterally declared bankruptcy. Now, you have to understand a little bit of something about bankruptcy. When one declares bankruptcy the court appoints a person or an organization known as a receiver. The receiver takes over and carries on the bankrupt person or organization that has declared

bankruptcy. In this case the United States government created a new entity that they called the United Nations to be the receiver and thats what the reorganization plan #26, public law 102391 set up. It set up a receivership. The UN created the International Monetary Fund, the IMF, its called, and they acted as the receiver for these bankrupt organizations. Thats why every one of these nations today all around the world are operating in the same paper money systemby a different name sometimes, different picture on the money but same paper money system that is not backed by anything of real valueits all fictitious. The UN will be issuing through the IMF new money for a lot of these bankrupt and collapsing monetary countries in the near future because they are the receiver and they have the authority as the receiver in bankruptcy to provide them with a means of continuing their bankruptcy. If you dont believe some of this, the IMF is an agency of the UN. Look in Blacks Law Dictionary, 6th edition, page 816. It will tell you that the IMF is an agency of the UN. The US has not had a treasury since 1921. 41 Statutes of Congressat-Large, Chapter 214, page 654. In their own compilation of statutory laws they have already passed a law abolishing the United States Treasury and the US Treasury is now the IMF. They have taken over as the receiver in bankruptcy and that can be found at Presidential Documents, volume 29, #4 at page 113 and in the United States, Title 22 at Section 285 to 288. Now, that was in one of the older printings and that could have been left out of some of the newer printings because people are getting too smart and people are looking in these books and learning too many things and they are starting to change the books. As a matter of fact, theyre doing the best they can to do away with the books and put everything on the computer and sanitize it so that the computer only gives you as little as they want you to know. But thats whats going on with the money system. Thats why the politicians, as somebody commented in those e-mails Dave was reading, are controlled by the money system bankers. Not only that the judges are controlled by the bankers and if you want evidence of that we just had a incident occur in a case that we were working on with somebody and this somebody is very bright and hes very good at researching. And he looked up a lot of the stuff we led him to and he put together his own pleadings. He used some information that was put out in court cases as well as information put out by the Federal Reserve Bank to show that the banks do not lend money. He gave all this to the judge including some affidavits that were done by people in banks that actually have started to turn on the banks and written affidavits stating that the banks do not lend money and on and on and on with their affidavit explaining how and why and what they actually do and the judge came into the courtroom the other day in front of all these people and he said, I have read all these affidavits. I see that these people are very well positioned to make these affidavits. They are quite knowledgeable people with a good educational background in banking and lots of years of experience in banking and I have read these documentations of court cases of the past as well as the statements by the Federal Reserve Bank. He said, and it has enlightened me tremendously. He said, I agree that everything that you have presented is 100% correct but a jury will never understand any of this. The jury actually believes that the banks lend money and I cannot change that so Im going to deny all of these documents that you have put into this case and proceed to a jury trial not allowing the jury to get any of this information. Talk about a breach of his trustee and fiduciary duty as an officer of the governmentwowbut it just shows you how this phony money system and the people that are behind it have total control over the politicians, the judges and the whole country and probably 95% of the stupid people with

an education because most of them out there have no idea whatsoever of these things that we talk about. {This is from the Protocols: "We shall swallow up and confiscate to our own use the last scintilla of
independence of thought... [we will] turn the goyim into unthinking submissive brutes waiting for things to be presented before their eyes in order to form an idea of them." Also:

"We have fooled, bemused and corrupted the youth of the goyim by rearing them in principles and theories which are known to us to be false although it is by us that they have been inculcated."} We looked this all up, many of us have looked it up, not me alone. By golly, there wouldnt have been enough time in life for me to have found all this by myself. Lots of people have looked into these different things and found different parts. It has been compiled by lots of people today in many different ways as I have tried to compile some of it that Ive found over the years and get the information out to people. But its a small, very small, portion of the population who has delved into trying to learn about and listen to speakers like myself and there have been speakers that have misled people because they didnt dig deep enough and understand well enough. I dont know that its their fault. They did it, but they were indeed wrong in some of the stuff they told people. Theres still some very bad information floating around out there, misleading and guidance in many different ways but a lot of good information is available. It is not making a difference in the courts as you can see by what that judge did. Its not going to make a difference in the courts very easily. Although in a few courts some judges have turned against their masters, the banking system, and ruled in favor of people who have put some of this type of information in. So there is a shift going on but this is part of what has got the government all disturbed because they see their system crumbling and thats making them do all kinds of stupid things which is actually exposing the wrongs of their system even more opening doors that havent been opened in the past and enlightening people that they never intended to enlighten because of the stupid things that theyre doing. Its leading to an internal collapse of the entire system and any idea that this is going to be able to be replaced is just fictional. There will be an attempt to replace it, no doubt, but that attempt will fail very quickly because it will be recognized worldwide that what they bring out now is no different than what they had beforeits just a repeat of the same kind of fiction. And as that is recognized it will quickly begin to fail. Any idea that in some way or another that theyre going to be forced to go back to gold and silverwell, first of all, its a fairy taleand the other its a dream of people that have no realization or ability to conceive how evil these people are that are behind the scenes and doing this kind of stuff. They will never give back what they stole. Theyll never give up their plans and their schemes to try to control everything and everybody through the paper. And somebody asked earlier, how do they get away with doing this? They get away with doing this because nobody stops themthats how. Probably the only thing thats going to stop them is the return violence that will occur after they become violent. Unfortunately, that appears to be the only way that this is going to work out and I said that this would happen many years ago, that the American people would not do anything about it until the government became forceful because their system was failing and they did everything they could to force the American people to continue to cooperate with their failing system and when they got forceful it would be injuries to American people and that would make the

rest of the American people angry and they would retaliate against them and I see it developing. Its coming down exactly the way I said it would happen. This troop movement is actually to protect the banks. Theyre sending the troops out to the areas where the major banking systems are and into Washington, D.C. to protect the government because the government is the center of the banking system. And the center of the banking system control is New York so thats where the troops are being sent. So you see why the troops are there, it is to protect the banking system. They can protect it all they want but its still going to collapse from within because it cant continue on. Yeah, gasoline could get up to $5 a gallon but I doubt that youll ever see that. I really do because I think the dollar will totally collapse before it ever gets back that high again or anywhere near that high. Its falling off right now and as Ive said many times, I dont care what anybody else has to say about the 9th and 10th Amendments. The 9th and 10th Amendments both say that the state legislature has the power to control whatever goes on that they dont particularly like and if they dont do their job those amendments both say that the rest of the authority and power is within the people. And the people can do it and they dont have to do it with arms. They can do it just the way theyve been doing it. The reason why the price of oil and gasoline are dropping is because the people stop buying and they now have a glut of oil and gasoline on the market and the law, the law of nature, the law of physics, is always in control and thats the law of supply and demand. If the supply is high and demand is low they have to lower the price to get the demand to come up a little bit. Thats whats happening. If they raise it again, the same thing will happen again. I have been $20 worth of gas at a time, not filling my tank up and driving as little as possible and stretching that $20 worth of gas for one to two weeks. Whereas in the past I would fill the tank up and I didnt worry too much about how much gas I used or how many trips I made. Now, Im leaving things sit and I noticed a lot of other people are doing the same thing. Theyre parking cars, theyre just not using them. Theyre going to the gas station that has the lowest price and buying a little bit of gas. I was over to the station where I get gas the other day and some lady came in there and she bought $4.75 worth of gas in her car and handed the girl a five-dollar bill and the girl said, are you sure you dont want to put the $5 into the tank? She said, no, I need that quarter to buy a hot dog. [Jim] I was reading a book by Henry Makow. Its a very, very good book about the Illuminati and the Khazarians. It pretty much agrees with Texe Marrs book. Its quite interesting. But what he said is what theyre up to now is theyre polishing off the people in the Middle East. Theyre trying to get rid of various religions that might stand up to their Satanic system. That would be both the Islamic and also the Christian. He said once they get that under control, now, were next. And he said, the thing thats got them a little messed up at the moment is since theyre planning to release the crooks from the prisons and put them in uniforms and come after us I guess they did that in Russia toothey know that we have guns. And theyve got to get the guns before they can put that into effect. So thats what he was saying. Its quite interesting. He wrote a terrific book. [Howard] And they have tried many times to get the guns through legislation and it has failed every time, hasnt it? [Jim] Yeah.

[Howard] And its going to continue to fail because I dont care if the courts finally go along with it and say, ok, this is constitutional. They can regulate your guns and take your guns away from you, that theyre not going to get the guns because the people will turn the guns on them when they come and try to take them so thats where the violence will be. When government becomes violent and comes around with guns wanting to shoot your house up and break in and steal your guns, thats when the retaliation against government will start. [Jim] Yeah, I would think that would be about rightyeah.

[Howard] But as much as 15 years ago one night I was late getting into Baltimore to moms house and what I used to do is go up there and get there early enough so I could get some dinner and then go stand out on the street corner and catch a bus and go on out to the Essex, Maryland area right outside of Baltimore for a meeting with I group that I had that met out there and this was on a Friday night that we would meet and this one particular night for some reason traffic was bad, bad accident on the bridge or something. I dont remember exactly, but I was late getting into town and I really didnt have time to take a bus because I missed the bus that I would have normally taken that got me there in time. So, I spent the money and hailed a cab. Well, this nice young fellow pulled over. I got in the front seat of the cab. Usually, they want you to get in the back. He let me sit in the front seat. He seemed like a nice young man. We headed out Eastern Avenue towards Essex, Maryland and were going through Islandtown and he sees a police officer in a squad car parked in front of a little restaurant in Islandtown and he beep, beep, beep, beep, and got the attention of thethe officer looked over and waved at him. I said to him, do you know him? He said, yeah, thats my dad. I said, no kidding. He said, yeah, thats my dad. I said, does you dad have any idea of the things that are going on in this country and the stuff that is coming down and how dangerous a position it is to be a police officer? If the American people get angry enough at government the first poor fool on the street that represents government is the police office and they will be turning on them. He said, yes, my dad knows. I said, youre kidding me. He said, no, not only do they know but they also know that the federal government has plans ofand there was statutory law that was passed. Its never been implemented but I had dug out copies of it years ago, but they actually passed a law authorizing the confiscation of all guns and drugs from peoples homes. So, I brought this up to him and he said, oh, yeah, my father knows about this and so does the rest of the police. I said, well, what do they think? He said, what they told me is that theyre going to invite the federal officers in, lead them over to somebodys house, let them go up to the door and knock and then shoot them in the back. In other words, most of your local police are actually be on your sidenot all. Some of them are morons. In the last fifteen years a lot of those old ones have retired but theyre still in the background. A lot of them are still alive and they still got their guns and they still know whats coming down. But some of these young punks that have been put on the police force today, they dont know or understand this and they may be a problem for you. They may not do that. If they dont, thats when the people will have to step up and do something. But a lot of our military and a lot of our police are very well aware of whats going on and are just sitting back waiting until the time is right to step up and do

something. It might start out to look like theyre your problem because they will be around, be sent out to make a show to try to scare you with the show. If the big show doesnt scare enough then they will be given some of these orders to do these things. So dont worry about the big show, just ignore it, then theyll realize that it didnt work. [Henry] Did anybody who knows about the movie called Red Dawn go to a store that sells DVDs, pick that up and look at ittheres a lot of truth in that. [Howard] As a matter of fact, that story was taken right out of the Book of Ezekiel. Theres a lot of truth in it. Red Dawn is the name of the movie. It didnt stay out long. It didnt get to be real popular because it was curtailed as best as they could curtail it but it is still around. It still can be found if you know of it. Anyway, the money system is really our biggest problem because the confiscation of our property was for the purpose of collateralizing the money system. The other serious problem is the confiscation of our property. We own nothing at all, not your land that you think you bought and paid for, not your children that you think you created because the birth certificate that mommy signed at the hospital actually turned the childs body over the State for their control, not your puppy dog if you had a license for it. I dont know why in the hell youd get a license for a dog. The thing doesnt drive anyway. People get a license because somebody said you have to because the American people just believe that they have to do everything theyre told. This belief thing is a real major problem. Some day maybe theyll recognize that they shouldnt have believed all this stuff that they believed but I dont know. The confiscation of property in the manner that was talked about that Dave read on that e-mail through the environment control people has been going on. This is not anything new. One of the members of our group and I have been fighting a case against the Clean Water Act since 1987 when they came in and told this man that his property was wetlands and he could not use it for his own use. Four acres of ground sitting there ever since then usable to him. He still has to pay taxes on it and cant sell it because nobody wants a piece of ground that they cant build on and use to build anything on for its use. Hes stuck with it. Right now, were back in US District Court in Delaware from the Court of Appeals in Philadelphia on a mandate that the US District is to review some of the case law that that court sent down there to show that they had no right to interfere with his property but the US District Court has done nothing. Theyve had it for a year They were the ones who had it from 1991 to 2006 and did nothing with it except aggravate the man and continue to order him not to use his property. This problem has been going on for a lot longer than people realize. These things are just starting to come to light and be brought out openly by information coming out on e-mails. And even speakers in the news media are bringing some of this stuff up and talking about it. So, its coming out in all kinds of different ways, but its just coming out to enlighten the majority of the population rather than just the few that have been aggravated by these laws and regulations that had no substance, no real authority whatsoever. But, by golly, the courts will enforce them as though they had authority because the courts are an agency of the bank. They are there to protect the banks interest and the banks money and to continue the farce of creating money. Thats another thing that this fellow has covered is the taking of the property that they had no authority to do that. Another thing that he covered was that social security, your check actually is comingif youre on social security and receiving a check its

actually coming from the IMF, not from the United States government. Thats an interesting revelation and he backs that up with some more case law as well as public law cites. [caller] Howard, can I ask you a question. If the courts are working for the banks then how can we stop these foreclosures? When you do everything lawfully and legally the debt with the Fair Debt and Practices Act and everything, how can we be successful? [Howard] Strangely enough we have been winning using the Fair Debt Collection Practice Act and filing suits against these lawyer debt collectors. Weve been winning. As a matter of fact, a fellow up in Michigan filed five of these cases against debt collectors and won all five cases. He did so well he excited a lawyer friend of his and his lawyer friend now wants to learn how to do it. The courts, their hands are tied. They are bound by the law and they know it. If you or I or a lawyernow, a lawyer doing it is a rare occasion but if you or I actually bring the law into the court and show the court the law and what it said in our pleadings the judges are bound by those laws and they have to execute them. So, even though theyre supposed to be on the side of the banks a lot of these foreclosure actions are being beaten today and its because people are revealing the fraud, the biggest fraud that has come outits even in the newsis these what they call robo-signers of affidavits stating that the debt is due and owing and still unpaid and the robo-signer is the same person for dozens of different banks in all different states. And all of this is a photocopy of a signature on an affidavitits not even real. Its probably signed by some person who works at the bank and its not even their own name that theyre signing. And somebody who works at the bank is putting a notary seal on there as though its really legitimate and theyve been caught doing this and this is a fraud and that fraud has been exposed and it has actually made it to the news and judges are hearing this and judges are being very careful not to be involved in that fraud. They dont want their neck in a noose either so theyre starting to pay attention to some of this stuff and just throwing these mortgage foreclosure actions out of the court. But once its been in the court and they werent successful they cant come back to the court because then under the law it become whats known in Latin as Res Adjudicata which means the res or substance of the case has been adjudicated already and it cant be brought back. But once its been dismissed its been adjudicated so there are wins going on despite the fact that these judges are really supposed to be operating for the benefit of the bankers. Theyre finding themselves in an awkward position. See, this is what Im telling you that things are starting to come out. Theres arguments right inside of government. There are judges abiding by the law and agreeing with the people who expose these wrongs. And then theres judge like that one that I just told you about who said, I read the law, I agree with you 100%, youre absolutely right, the banks do not lend money but Im not going to allow the jury to hear this. So, you dont know what kind of a moron youre going to be in front of when you go to these courts. You might have a decent judge, a sensible one. If this other judge did noting else in this case he set up a terrific appeal for this fellow in this particular case by putting it on the record that he agreed and then saying, but Im going to deny it. {The defendant must object if hes going to be successful in his appeal}. Thats judicial error and if thats properly taken to the appeals court the appeals court will overturn the judges foreclosure decision or a jurys foreclosure decision simply because it was acquired by fraud and the judge erred in not

allowing the jury to hear the facts that he had presented in the case. Some of the judges are going to give you a hard time. Some of them are actually beginning to really go along with us very quickly. They want these cases out of their court. They dont really want to touch this stuff so theyre dismissing the banks action whether its a credit card action or a bank foreclosure on a mortgage type action. Theyre dismissing them and throwing them out of the court as quickly as possible so as not to have to be involved in making any kind of a decision that would change anything. [Carlos] Howard, I have a comment. This is Carlos in California. I think were missing the boat.under FDCPA. As soon as they sent a Notice of Default within a validation letter. Now, under federal law they have to validate the debt before they can go forward and guess what, they will never validate it accurately, therefore you have groundscant go forward until they validateI know someone that has done that and he had them stalled for four years. Once he gets the statute of limitations of five years in Florida hes going to have a free and clear home. [Howard] Yes.

[Carlos] The power is under FDCPA they must validate the debt and this I told the judge, your honor, why are we here? He said, youre in foreclosure. Now, this is an attempt to collect the debt therefore if you allow this to go forward youre helping him violate a federal law and Im going to sue you in district court. The judge turned around and faced the attorney and said, you have twenty days to validate the debt. Ten months later they havent done anything else. [Howard] They cant validate the debt. Great. As a matter of fact, theres another thing that we missed years ago because we didnt know as much then as weve learned over the years. Under the truth in lending laws they are required to provide a statement with your mortgage that states, first, the amount of the mortgage. Second, the amount of interest. Second, the total amount of the mortgage payoff and third, the time that it would run. Well, they always put down that you borrowed some number of dollars. Lets just pick an arbitrary figure and say $100,000. Well, thats not truthful to start with. Thats a violation of the truth in lending laws. They actually put a figure there. It should have been 0.00, probably, meaning no dollars and no cents. The interest could be any number that they want to put but I dont care if the interest is 100%. A 100% of nothing is still nothing and if the original mortgage was really 0.00 like its supposed to be, then there wouldnt be any final payoff number. So if they put a number in the final payoff of the accumulation of the original loan plus the interest then that should have been 0.00 and they lied by putting a number there and then they lied again by saying that this would be paid off and the mortgage would be completed within fifteen years, twenty years, thirty years, whatever the mortgage was supposedly for and every one of those things would have been a violation of the truth in lending law and that was one of the things that we didnt pick up on years ago because we didnt have the knowledge that they werent actually lending money but we picked up on a lot of other violations in the truth and lending laws and we held up a lot of mortgage foreclosures in the courts for a long time. So one guy stretched his mortgage foreclosure action out for seven years just arguing the truth in lending violations not even

getting into the Fair Debt Collection Practice Act. We hadnt done that at that time. In more recent years we have gotten into the Fair Debt Collection Practice Act and thats what this gentleman just referred to as the FDCPA, Fair Debt Collection Practices Act. Thats Title 15, United States Code, Section 1600 et seq, which means all the way through, I believe, to 1692, the end of it. And 1692 is the Fair Debt Collection Practices Act and thats only part of the whole act and it is powerful but theres a bit of a problem with that and that is only debt collectors come under that law. The bank itself doesnt come under that law. But isnt it interesting what we found out is the bank never actually tries to collect the loan themselves. They always hire a lawyer, an outside lawyer, not their own lawyer because they dont have their own lawyer. They have a lawyer under contract but hes an outside lawyer. So he falls under the category of debt collector and you can go after any lawyer at all under the Fair Debt Collection Practices Act because he is a debt collector. And as a matter of fact there is a US District Court case in Richmond, Virginia that I found and I put this information out some months ago. The US District Court in Virginia said that all lawyers who in any way attempt to collect a debt are debt collectors. So even the lawyers fall under this law and it can be used against them and not only can you use it in the defensive mode as this gentleman just explained by using what the law says under 15 US Code, Section 1692g. They must verify the debt as being true and correct and its a little written statement you have to make requesting them to cease and desist any collection activity until they verify the debt. Well, they dont pay any attention to that, they ignore it and they proceed on. And they proceed on with all kinds of criminal violations of 1692 a-o, including g. Most important is 1692 e. If you read 1692e you will find that almost everything that theyve done fits under 1692e 1-9different things that they do wrong. And you can file a suit against them. Now its going to cost you a couple of dollars to file a suit and I strongly suggest that you do not use in forma pauper and try to get it done for free because you get very bad results when you do that. The court pays a lot less attention to a case that is filed that way than what they pay to a case where you actually paid the fee. In the US District Court the fees, the last time I talked to them, was $350. Its gotten to be expensive to file a case in the courts but you realize the failure of the value of the dollar. The court even needs to get more money to keep up with its expenses. But these cases can be filed in this manner and some of the people that are teaching this today are in touch with me recently about what Ive been teaching about the banks being an agency of government and thus because they are not following the trust instrument called the Constitution that the banks are in breach of their fiduciary and trust duty as an agency of the government whether theyre privately owned and controlled but licensed by government they are still an instrumentality of the government through the licensure and that puts them in a position of having to abide by the laws that regulate the government which is the trust document called the Constitution. And, of course, when you file that kind of a complaint you have to identify the trust documentmake sure that you always do that. The trust instrument is the Constitution whether it be the State Constitution in a state action or the federal Constitution in a federal action. Most of these banks are federal todaynational banks they call them. Theyre under federal FDIC licensure. Theyre all an instrumentality of the United States government under Title 12, United States Code, Section 112. It very emphatically states the banking system in this country is an instrumentality of the United States. The United States is the name of this corporate government that we have and its been a corporation, by the way, since the instigation of it and the creation of the Constitution because the Constitution

created it as a trust operating as a corporation to do business. So, in a very short time there are going to be some suits brought against the bank and very possibly against this judge that I was just telling you about for what he did even though that case will go onto appeals. This judge is going to find himself involved in a suit for breach of his trust and fiduciary duty because those people involved in that are in touch with me and want to know how to do that. I dont know how to do it but I got all kinds of forms and case law here to give them so that they can figure out how to do it and Im going to get it to them. [Dave] Denial of due process in the process.

[Howard] Well, anything to do with breach of fiduciary duty and trust duty as a government official is a denial of due process. [Carlos] Howard I do all my studying on paper on District Court. I go through the case. I pick up a case thats been settled. All of them that I have studied have been closedmostly, I would say, 99.9% they settle under FDCPA and None of the consumers lost. [Howard] Nope, none of the consumers lost and most of them were, in fact, settled out of court and for nice tidy sums. [Carlos] Exactly, and what Im doing, Im suing. Im in California. Im suing the and I told them to verify the debt and they never did. Im suing them because they sent me an affidavit stating that they sent me 136. Thats an attempt to collect the debt. But it is very powerful and Im very excited about FDCPA. Im glad you brought it up. Thank you. [Howard] You might look up some of the case law on FDCPA suits related to the amount that you can sue for. It is very vaguely written in the statute itself that it is a $1000 lawsuit but the case law says that that $1000 applied to each of the violations, not to the entire FDCPA law so you can sue them for each violation that you can list. Now, go down through 1692a-g and right on down to o and pick out everything that theyve done that violates any one of those statements in that law and add them all up and figure out how many thousand dollars you can sue them for. [Carlos] [Howard] And each letter that Thats right.

[Carlos] Do you think they would let me file 136 lawsuits in Federal District Court? I dont think so. Im just glad you brought it up and thanks for bringing it up. [Howard] Well, one thing that we can bring up related to this is that the IRS is a collection agency for the IMF. So they are nothing but debt collectors. And they too can be sued for violations of FDCPA if anybody has the initiative to start going after the IRS agents who have harassed you for tax collection. Now, be careful because that does not

apply to everybody. Weve talked about this many times in the past on our calls that if you have a government job, if you have a government license to do a particular thing that government has the right to regulate and control such as securities investment, gambling, firearms, alcohol or drugs which come under tobacco which is never actually been a drug in its entire existence but all drugs come under the term, tobacco. If you have a drug pushing license called a doctor or if you have an alcohol license to manufacture or sell or if you have a firearms license to manufacture or sell or if you have a gambling license these are government privileges. That privilege puts you in a position of being a taxpayer. If you have a government-granted corporation and you are an officer of that corporation and you are making profits for yourself and paying yourself as an officer of the corporation then you have put yourself in a position of being a taxpayer. You owe them a kickback for that privilege of making money under the corporations name as an officer of it. So people in that position do not have a right to go after the IRS. People who are not in that position, not government employees, not licensed and not corporate officers but are just everyday good old fashioned hard working Americans they have a right to do that. You can use the FDCPA. Now, its rather involved. Its not hard to find. You can look it up on the internet and download it. At least for a little while yet you can. Now, I dont trust whats going on in this world today. I got a feeling this internet is already sanitized. Theres a lot of stuff that ought to be on there if they were going to impart real knowledge and its hidden. Its not on there and I think theres a lot of stuff thats on there that people are beginning to learn something from it and how to use some of it and that will begin disappearing very quickly. So, I think you better find everything you can right now along these kinds of subject lines including anything that you can find on breach of trust or breach of fiduciary duty or violations of the Fair Debt Collection Practice Act or violations of the truth in lending laws. You better download that to hard copy. Dont put it on some silly little stupid disk or something {unless you have multiple backup disks RAID, etc. and backup mains power.} because this whole system may be shut down. The disk isnt going to work.