One Life Capital

What justifies getting out of my loan agreement?

 A: We all grew up believing that a loan was money at risk to the lender and that it should be repaid, so it’s difficult to accept that the banks and mortgage companies would have crafted a scheme of such monumental proportions to take advantage of that basic trust. It also explains why this scheme has been so successful. We are basically trusting people who believed that a financial institution in this country would deal honestly with us. When you sat down at closing after the nerve-wracking run-up to this moment, you experienced it as a success, the culmination of a lot of effort to prove you were a credit-worthy client deserving of a loan to purchase a home or property, the biggest investment most of us ever make. Consequently, it was so far out of your thinking that the documents placed in front of you could be deceptive, but they were. Very deceptive. In a court of law, the judge, who understands legal language would say that full disclosure and equal protection under the law were available in the mortgage documents, but the average citizen is so ignorant of legal terminology that without really astute legal counsel at closing there is no way for him to have known what really was about to transpire. After all, think of all the attorneys who have purchased homes and signed such documents themselves without fully understanding what they meant. Here’s how it went: First you signed a promissory note, a promise to pay principle and interest over a period of time. You expected to do this. Second, you signed a Deed of Trust or Mortgage agreement wherein you repeated the promise to pay under rather confusing terms that you did not understand and did not question. In this agreement, you irrevocably granted and conveyed title to the property in question to the Trustee (title company) acting on behalf of the lender. How could you do this unless you owned the property, and if you did, how did you manage to acquire it? You acquired it by signing the promissory note, which is legal tender in our economy. The banker turned the note into cash through the Federal Reserve and used it to pay off the previous property owner. You just funded your own loan on the power of your signature and the banker doesn’t tell you up front that you now own the property free and clear, but it clearly states in the Deed of Trust that you do, only you didn’t catch it. At this point, you entered into the Deed of Trust or Mortgage agreement as sole owner of the property, bringing tremendous value to the table. After having confirmed that you were in sole possession of the property (“Borrower covenants that he is fully seized (in possession) of said property and that it is free of all encumbrances.”), you immediately sign away title to the property (“Irrevocably grant and convey”) to the Trustee (title company) who holds the title to secure the “loan” for the lender, except that no loan has been made because the lender did not use his money to pay off the property. He used yours. An alternative scheme used in many Deed of Trust states is the tenancy agreement wherein you enter the Deed of Trust agreement as both the Tenant and the Principal (owner of the property) and agree to rent the property from yourself with the lender acting as the servicer of the loan, mandated to take payment from the Tenant (you) and disburse it to the Principal (you), except that they keep the payments. Know anyone that ever got rent payments from himself back from his mortgage company? You have just signed an agreement wherein you promised to pay the lender principle and interest for a property you owned free and clear and then surrendered title to. Did you know that you did that? Of course not, or you never would have agreed to this in the first place. To add insult to injury, the lender can fractionalize your note through the Federal Reserve, expanding its value up to nine times the note’s face value ($100,000 can become$900,000), tax free money he can invest or spend as he pleases. Did you give him permission to do this with your promise to pay? You thought that piece of paper was just a commitment to pay back a loan, but to the banker, your signature was worth hard, cold cash.

 

Is the loan remedy process legal?

 

A: Entirely. The process is quasi-confrontational, in that, we confront the lenders regarding their fraud but find remedy overseas. There is nothing illegal about questioning the circumstances of the “alleged” loan.

 

How long does it take?

 

A. The banks have 60 days by law to fully respond to the RESPA/TILA request.  The Phase I documents will take approximately 30-35 days, and then the Phase II document process takes about 20-25 days to complete.  The reason for the time, is to give the purported lenders ample time to respond.  Once the time has passed on the Phase II then you record it.

 

What if the process does not work?

 

A: Notarial Acceptor is a proven means of documentation and has centuries of court acceptance. If all the steps are followed, it has to be accepted as valid according to UCC regulations.

 

Can I go through the process if I am behind on my mortgage payments?

 

A: Yes, just let us know your situation.

 

How long do you think this program will last before the banks change the regulations?

 

A: We don’t know, but the banks and the government have few options to keep us from proceeding. First, they can take the country out of bankruptcy and put us back on the gold standard so that promissory notes are no longer legal tender, but realistically do you see that happening anytime soon? Second, they could change the nature of the loan agreement to fully reveal what they are doing, but then they would have to come up with the money to pay for the home (the honest way) because the borrower would no longer agree to provide the value for the loan (his signature on the promissory note), so do you see them doing this? And even if they do this, we can still collect for all the millions of mortgages that have already been written.

 

 

For the Die Hard Skeptic…………………………………

The following is irrefutable evidence that there is a giant conspiracy of
deception being perpetrated upon “U.S. Citizens”.

 

Basic Facts A corporation cannot sign its own documents because it is a “legal fiction” Corporate checks can only be endorsed with an “Authorized Signature” Definition: An authorized signature is the signature of a person given authority to sign particular documents, such as credit card slips, bank deposits, etc. Company payroll checks will clearly list “Authorized Signature” under the endorsement line.

Micro Printing

 

Type printed so small that it appears to be a solid line and can only be read
under magnification. When copied or scanned, the micro print message
becomes unreadable

 

 

Here’s The “In Your Face” Deception

 

THE SIGNATURE LINE ON ALL PERSONAL CHECKS IS “MICRO PRINTING”, IT IS
NOT AN ORDINARY STRAIGHT LINE.   THE “MICRO PRINTING’ IS A REPETITION
OF THE WORDS “AUTHORIZED SIGNATURE”:

 

AUTHORIZEDSIGNATUREAUTHORIZEDSIGNATUREAUTHORIZEDSIGNATUREAUTO

 

Get a magnifying glass and look at your personal checks, it is there right in our faces.   

 

 

 

 

 

What Does This Mean and Why is This Hidden?

“The reason the signature line on a personal check is made up of the words
“AUTHORIZED SIGNATURE,” is because it is a physical impossibility that the
“account holder” will ever sign the check.  The “account holder” is an artificial
person, e.g. “JOHN HENRY DOE,” and exists in name only.  The Fed knows that
every signature appearing on a personal check is the signature of the “flesh and
blood” agent, the authorized representative.  However, this fact must be
concealed in order to cause the signer to believe that he is the principal, when
he actually signs on as accommodation party, i.e. surety, and therefore 100%
liable for everything the principal is liable for.  This applies in every signature on
every document, not just personal checks.”  Cracking the Code, 3rd Edition

UCC 3-402 (c)  If a representative signs the name of the representative as drawer of a check without indication of the representative status and the check is payable from an account of the represented person who is identified on the check, the signer is not liable on the check if the signature is an authorized signature of the represented person. Your name written in ALL CAPITAL LETTERS is a TRADE NAME or CORPORATE FICTION.  It is not you, you are led to believe that it represents you.  When you sign your Social Security card or Voters Registration you are signing as an “accommodation party” and become liable for your share of the Public Debt (US Bankruptcy).  It is a constructive trust between the government and the “legal fiction” (ie. JOHN HENRY DOE not John Henry Doe). Look at every document you get from the government your name is in ALL CAPS. When we sign a document without specifying “Authorized Representative” we become surety for the “legal fiction” and are liable for whatever was written on the document. Note: IF YOUR CHECKS HAVE “AUTHORIZED SIGNATURE” WRITTEN AS THE ENDORSEMENT LINE THEN WHAT I HAVE JUST RELAYED MUST BE TRUE.