Thursday, July 25, 2013

Updated w/Documets: Courtesy Notice Success Story -- $99,692.21 Forgiven by Chase Bank


Courtesy Notice Success Story -- $99,692.21 Forgiven by Chase Bank
July 25, 2013

Documents to back up this story forthcoming and being sent over as I post this. I will upload it to Scrib'd and share it here for everyone to see.

There has been much resistance and criticism of the Courtesy Notice process in recent weeks/months. It has worked wonders with some and failed miserably for others. Fact of the matter is it all lies in the hands of the of the receiving party. Each bank/corporation has many representatives, showing clearly they handle these types of matters with varying degrees of ease/resistance. What it boils down to is this: if a bank (Chase in this particular example) agrees to retract a loan in the amount of $99,692.21, what that clearly implies is their legal team conducted, what was likely an obscene amount of due diligence, to determine the legitimacy of the claim made, referencing the UCC filings and the banks legal foreclosed status. Researched...confirmed..."alleged debt" retracted. Verification of legitimacy of UCC filings by One People's Public Trust...confirmed. End of story. This is just the beginning. ~BK


Multiple versions of the Courtesy Notice can be found here: 
http://i-uv.com/oppt-absolute/oppt-tools/oppt-courtesy-notice/

Jane Evershed
BIG NEWS!!!! From Shirley Muhammad CVAC 101

So, as a success story I would like to report that as of today after sending to the Vice President of the alleged Chase Bank ( who just happen to send me a letter in May with his name and signature on it to sell my home in foreclosure) was a Determination of Funding Letter, 1 Courtesy Notice and 2 invoices totaling 9,000 pieces of 99.9 silver, I received today a letter from the alleged Chase Bank that the lien on my mortgage has been released and discharges the original contract, whereas I am now responsible for the property tax and insurances, and can do what I dam well please with what I want to do with it.

This was a wonderful and fun exercise in which in my heart was the right thing to do to show others that what was being done to all of us was wrong. I needed to take a stand here in Detroit as I watched neighborhoods and communities being torn apart and become inhumane as people were being forced out of their homes, their furnishing thrown in the street and in dumpsters, causing some beautiful homes to be victims of vandalization, with property values dropping like flies, and mortgage payments going through the roof with LIBOR the ARM’s deal The home’s stood empty and all the love was torn from the structures.

What could I do?

With the tools that were given to us by the OPPT crew II used them all, Courtesy Notices, The Determination of Funding letter, the invoices, the court templates etc, I edited them and used them sending all the love and light I could to float above and through each word, with good intent to bring awareness to every person whose eyes read it, and whose heart it may touch.

I am now going to open a Dream Weavers Center to help and show as many people who have eyes to see and ears to hear where their value is, as we are the value and always have been, but it was never taught but was hidden so very well.

Many of the people of family and friends who thought I had lost my mind, want to now join in to see what is going on with formerly OPPT now I/UV to Opt out of the old slavery system and it is done. I say come one come all we are in for another ride but this time there will be more of us. We are Eternal Essence Embodied absent limits !!!!!

Update July 26, 2013: 

Below is a clearer copy of the document Shirley sent to me from Chase Bank, as well as the message from her email:

Brian, these are closer shots you should be able to see that they initiate this letter with "We are releasing the mortgage lien on the property" , they go on and start the first paragraph with "We are writing to let you know that, at the instruction of your loan investor, we are releasing the lien on the mortgage loan referenced above". In order for a lien on a mortgage loan to be released the loan has to be paid off or assumed.  Although they define that I am still responsible for the debt on my mortgage, I can now explore my options to sell or refinance If I choose.  There is a notation that states Please note: You have the right to occupy the property until you sell the home or the title is transferred, I do not plan to sell or transfer the title. It is my understanding that a debt and loan are two different terms, although people use them together. My goal was to be relieved of the alleged loan, and I will now use the process for the fraudulent property taxes.


As a former California Real Estate  & Mortgage Broker for five years, I have never seen a case where the lien on the mortgage was released, but the client is "still responsible for the (alleged) debt on the mortgage." I'm not sure how that's even possible considering, as Shirley mentioned above, in order for a lien on a mortgage loan to be released the loan has to be paid off or assumed. I did a bit of digging online and came across a website releasemortgagelien.org and this is the message from their home page:

Reclaim your home while shedding the responsibilities of a vacant house after Foreclosure through our Release Mortgage Lien (RML) option. Once panic and turmoil of a possible Foreclosure takes hold, it may seem that there are no options available, but in some cases, the lender decides to release the mortgage lien. This means that your mortgage debt is waived, so you can stay in your home, move back into your home, sell the property, or donate the house to a nonprofit organization. This option is available free of cost through UpLifting Lives to stabilize our communities.
I also found this article on ehow.com: 

How to Release a Mortgage Lien:

Lenders secure mortgages by placing liens on financed properties. The liens remains in place until the borrower pays off the loan. The lender must file a document called the "satisfaction of lien" with the local county to remove a lien. State laws vary about the time frame lenders have in which to remove liens.

Instructions

    • 1
      Pay off the remaining balance on your mortgage. You must call your lender to get an exact payoff amount with a per diem because interest compounds daily. You cannot rely on a payoff figure you received a few days or a few weeks ago. Lenders do not remove liens until the exact amount of the outstanding loan has been paid off.
    • 2
      Contact your lender a few days after you make your payoff. It often takes a day or two for payments to reach the loan center even if you make an in-person payment at local branch of a major bank. Verify the mortgage has a zero balance and if necessary make arrangements to payoff any residual amount still listed as a balance. Assuming the loan shows a zero balance, ask the customer service representative how long it normally takes to remove a lien. Lenders have to send a lien satisfaction to the local county courthouse to remove the lien. This process normally takes a few weeks but the customer service representative should give you an estimate on how long the process typically takes in your area.
    • 3
      Contact the clerk of court records in your county and check whether the lender filed a satisfaction of lien within the timeframe suggested by the service representative. If not, ask the clerk how long it takes the county to record documents once received. Some counties take a few weeks to process paperwork. Check back with the county until the satisfaction of lien appears in the county records.

In both examples it clearly shows "the lien remains in place until the borrower pays off the loan," and "lenders do not remove liens until the exact amount of the outstanding loan has been paid off." How is it possible to have debt on a property with no lien attaching said debt to the property? A lien is the instrument that attaches/secures the "debt" to the property. The definition of lien is: a right to keep property belonging to another person until a debt is paid. It says very clearly, "until a debt is paid.

So, let's look at the definition of debt: An amount of money borrowed by one party from another. Many corporations/individuals use debt as a method for making large purchases that they could not afford under normal circumstances. A debt arrangement gives the borrowing party permission to borrow money under the condition that it is to be paid back at a later date, usually with interest.

Considering now that debt is "the amount of money borrowed," here is the definition of money: An officially-issued legal tender generally consisting of currency and coin. Money is the circulating medium of exchange as defined by a government. Money is often synonymous with cash, including negotiable instruments such as checks.

When Shirley originally secured her loan did Chase Bank extend to her any currency or coin? No, they did not. Did they write her a check backed by "money" in a bank? Again, no they did not. 

"The economics of banking is counterfeiting. We have been deceived into thinking that we were lent other depositor's deposited funds. Bankers cause us to think that if we do not pay back those funds, the bank and its depositors will be out the cash (money). Remember, all you borrowed was monetized credit, which your signature created -- you yourself lent the funds." ` Mary Elizabeth Croft

Clearly, there was NEVER any money loaned to Shirley. Therefore, the alleged "debt" they claim she owes is in fact fictitious. This is precisely why, after review by Chase's legal department, they agreed to release the lien on the mortgage. Now, as far as the "alleged" debt goes, my guess is Chase knew what kind of PR nightmare they would have on their hands if they showed the entire debt obligation to be waived/retracted/forgiven. If confronted by other customers, the press, a Flash Mob of callers/protesters, they could easily claim the "debt" is still owed. Answering to why they released the lien on the mortgage is a whole other story and one they will most assuredly have to answer to once this story gets out.

In conclusion, as a follow up to my original post, I will gladly admit the word "forgiven" was not accurate. This article can now be titled "Courtesy Notice Success Story -- $99,692.21 Mortgage Lien Released by Chase". Critics will say, "well she still owes the debt," so what's the big deal? I think Shirley will agree with me that in fact, this is a HUGE victory. She now gets to stay living in her home and she no longer needs to pay the mortgage, indefinitely. On top of that, considering property taxes are voluntary (if you don't yet know this read this article) all she's left having to pay is the homeowner's insurance, which is a nominal fee compared to mortgage and tax payment. 

Here is another reason why this is a big victory; what if everyone in the U.S. could lawfully and legitimately relieve themselves from the burden of a monthly mortgage payment? What would that do to the system? What would it do for all the millions of homeowners across the U.S. who are currently facing foreclosure? Behind on monthly payments? Struggling to make ends meet to get by? Do you think they would care if the bank claimed they "allegedly" still owed the debt, if it meant no monthly payment indefinitely? Or, at least until they decide to sell the home or refinance? Why on earth would they ever refinance if their payment is $0.00/mo!? This is a monumental victory and I really hope this story goes viral, as it makes for a perfect illustration of how the banks are on their heels and backed deep into a corner. I applaud Shirley and her persistence, for this is a win she will never soon forget. Watch out Chase...."The One People" are coming~! ~BK






57 comments:

  1. Wow...what a wonderful BEing! <3

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  2. Outstanding! Go Shirley! She's going to be doing amazing things in her community.

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  3. Great Frigin JOB BEing

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  4. The Divine Feminine hits another home run. Much love Shirley.

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  5. Or you could pay your debts, like a normal functioning member of society.

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    1. Not if the debt is fraudulant and the entities trying to claim them are foreclosed. Why do you want anyone to support a slave society?

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    2. Go back to sleep, the cold shackles will wake you soon enough!

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    3. Wow Anon 3:08 you play right into the palm of their hands quite nicely :) Not me...not anymore

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    4. The DEBT on the Mortgage "forgiveness" could entail the originating bank sending a notice (1099 filing) to the IRS that they have "forgiven" a loan of $XXXXXX amount and therefore a tax is owed on releasing that amount of commercial energy into the PUBLIC. However, if Ms. Jones has never filed a 1040 form or has sent in a recission of US CITIZEN status, making her a "resident alien" to the IRS (per IRC 6013 g 4 ), then she has no TAX LIABILITY either.

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    5. What I do is work for my salary. This money I collect in salary I use to support my family. If I would like to purchase something which I do not currently have enough money for I buy it on credit (loan, credit card, or in the case of a house- a mortgage). This credit in various forms I make payments on until I have re-payed my creditors. If you put your signature to paper in agreement to repay a creditor for a sum of money they have payed on your behalf, and you do not repay, you are fraudulent.

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    6. Uh, oh. Time for someone to get up to speed on Money as Debt.

      http://www.youtube.com/watch?v=jqvKjsIxT_8

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    7. ANON 3:09 no offense but the powers that were and crooked bankers have got you right where that want you. You have a lot of work to do to discover how things really are in this world. Research "straw man" and see how much you have been pre-paying into the system since your very birth against your consent and free will. I highly suggest reading this e-book to bring you up to speed:

      http://briankellysblog.blogspot.com/2013/07/mary-elizabeth-croft-how-i-clobbered.html

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    8. ANON 3:09 a good read http://www.yourstrawman.com/ , if you want to ofc ;)

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    9. Anon...you are welcome to continue living as a slave. We're not twisting anyone's arm to wake them up. "Debt" is slavery. The only people who have benefited from this debt society are those controlling the banks. Banks don't make loans against depositor's funds. They create the funds out of thin air when loan documents are signed and it's the signature on the loan documents that gives the financial instrument value. The value is in you as a living breathing flesh and blood person who hopefully contributes something positive to society.

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  6. Where can I find this "Determination of Funding" letter? I don't see it on the i-uv.co website...

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  7. Lol! Anon 3:08 - you really don't it at all. My heart breaks.

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  8. Does this mean now that they have released the lien that she can go apply for a quiet title? That would be awesome!

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  9. Banks usually loan money on a mortgage to pay the previous owner of the property. While you make the silly assertion that the bank did not give Shirley the money, they probably gave whoever Shirley bought the property from the money that she borrowed. Glorifying wealth and crowing over defrauding a bank is not really an advanced state of consciousness. Stepping away from a consumer society might serve people better than glorifying borrowing a bunch of money and then defaulting on it.

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    1. Who is glorifying wealth here? The point is all loans made by banks are fraudulent b/c they create the money with the "credit" with the signature on the promissory note. The point here is to expose the lies for the fraud and corruption that they are. If you are interested in doing your own due diligence friend, there is plenty of literature out there with lots of supporting evidence from very high up the ladder that will prove this claim. You may be new to this conversation, but I have been involved in the exposure of truth in banking for quite some time now. I suggest reading Mary Elizabeth Croft's free ebook and then come back to me for a civilized discussion of what is taking place here. I'd be happy to have a conversation with you about any of the details which you uncover. What you see in this article are steps in the direction of allowing a NEW system to be created, one that is not built around suppression, corruption, greed and deceit. Here is that link:

      http://briankellysblog.blogspot.com/2013/07/mary-elizabeth-croft-how-i-clobbered.html

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  10. That letter is honestly from Chase???? Where's the logo? Why does it say at the bottom, "We are a debt collector"? Do banks normally call themselves debt collectors?

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    1. Because Chase has its own debt collecting division. The original documents Shirley sent me had the Chase logo at the top but were not legible, as they were taken with her iphone camera. I had her take a picture close up of the language so it can be read...which is what you see here. :)

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  11. This lady got the same letter (http://s1123.photobucket.com/user/kortcomp/media/LienRelease.jpg.html).

    http://www.loansafe.org/forum/chase-mortgage-tell-us-your-chase-story/84720-release-mortgage-lien-2nd-but-still-owe.html

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  12. Sounds to me like the mortgage holder removed the lien and wrote the account off. But just because the company wrote the debt off on their books, if that is what they did, doesn't mean you don't still owe the debt. You do. And it doesn't mean they can't still go to court again to collect it. They can. But you can try to sell it or refinance it before they do.

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  13. BK: "Clearly, there was NEVER any money loaned to Shirley. Therefore, the alleged "debt" they claim she owes is in fact fictitious. This is precisely why, after review by Chase's legal department, they agreed to release the lien on the mortgage."

    I just don't see the logic that leads from the first sentence to the second. This means you are 100% certain that there are zero other plausible explanations for the release of the lien.

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    1. And I don't see the logic of what I wrote!

      It should have said,

      "I just don't see the logic that leads from the first 2 sentences to the third. This means you are 100% certain that there are zero other plausible explanations for the release of the lien."

      Unless one has direct experience of Chase releasing a mortgage because they realized that the "debt" was fictitious, it's hard to justify making such a claim. If this blog is intended only for the expressing of opinions, this is obviously ABSOLUTELY fine, and readers should simply keep that in mind when visiting.

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    2. That's what you might not understand. ALL loans are fictitious. There's plenty of justifiable proof out there to confirm this "fact."

      http://briankellysblog.blogspot.com/2013/05/alert-all-loans-are-fraud.html

      ...and plenty more where that came from! :)

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    3. I'm sorry for the confusion. I wasn't very clear. All I was saying is that you do not know that this is true: "This is precisely why, after review by Chase's legal department, they agreed to release the lien on the mortgage." While everything you say about loan fraud may be true, the fact remains that you don't really know why Chase sent Shirley the release of lien letter. There are other more likely reasons than that they are admitting to the fraud.

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    4. She got this letter AFTER receiving a Courtesy Notice. From my vantage point, there was no reason for Chase to issue this response unless it was as a direct result of the CN. Simple cause and effect logic. Whatever the case, Shirley is in a MUCH better position now than she was before. She can stay in her house without having to make a payment. A huge relief for her financial affairs. If the process of submitting a CN were implemented by every family facing foreclosure, we would have much less vacant bank owned homes and displaced families.

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  14. It's more likely that the following is what is happening to Shirley than that Chase's legal department realized that "the alleged "debt" they claim she owes is in fact fictitious." Shirley might prepare herself for the first contact from a 3rd party collection agency. Lots of people have sent collection agencies Courtesy Notices.

    ===============================
    Is a Charged Off Mortgage Still a Lien?
    By Tyler Lacoma, eHow Contributor

    A mortgage can be forgiven, discharged by a bankruptcy court or charged off by the lender. These are all different activities, although their differences can be confusing to debtors who are trying to deal with unpaid mortgages, foreclosures and bankruptcies. When a lender charges off the mortgage, this does not mean the debt goes away or that the obligation to offer security for the unpaid debt has been removed. It is a financial step that lenders take when dealing with a mortgage that does not look like it will be paid off.

    Why Would a Bank Not Reaffirm a Mortgage?
    What Is a Charge-Off of a Mortgage?

    Charge-Off Process

    A charge off is essentially the act of a lender admitting that repayment for the mortgage is unlikely. The lender makes an accounting switch, moving the loan from a debts owed account to an account that totals losses. By counting the mortgage as a loss, the lender can receive a tax reduction for it. This does not remove the lien itself, however, so the lender still has a claim on the borrower and can still pursue repayment. A charge off is common after several months of not receiving payments from the borrower.

    Internal Collections

    If the lender decides to keep the loan after the charge off, it will refer the debt to an internal collections department. It is this department that is in charge of calling the borrower (those calls the borrower dreads) to demand payment and make notifications regarding the foreclosure process. The collections department may file for foreclosure itself or route the loan to a separate foreclosure department in order to seize the house, depending on how the lender has structured its organization.

    Collection Agencies

    In other cases, the lender will sell the mortgage to a third-party collections agency. This means that the lender is giving up the lien, but the claim is simply transferred to another organization and does not go away. This debt collections agency then attempts to collect at least enough payments to make a profit on the mortgage, which it purchased for a small sum. It is not as common for third-party agencies to start a foreclosure, although they often have the ability to choose that route through a lawsuit.


    Read more: http://www.ehow.com/info_8256728_charged-off-mortgage-still-lien.html#ixzz2aByiqZXt

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    1. There might have been another reason to release Shirley ... poor woman in a devastated region with a worthless piece of real estate that would cost the 'bank' far more to fight an animated 'borrower' than to just let it go. *If* the causal force was the CN, that is not as important as the fact somebody's mind was altered to use something like the CN - which I think makes little sense because it is poorly written.

      Conceptually, I like the idea to call out the Beast on their fraud, to set the stage to destroy the fiat banking systems and return to honest money, and an honest monetary system, overseen by honest people who are democratically selected to do so for limited terms, made up of a cross section of the people instead of being overloaded by a single tribe, so despite the practical weakness of the CN, the political strength is undeniable. As a people, 'We' the people, we must never forget that the current banking scam was the product of an act of Congress. The good news is, if it can be created by an act of Congress, it can be revoked by an act of Congress. If we get 100,000,000 people sending CN's all over the place, what that really means is we have 100,000,000 people who don't want to f* around with counterfeit fiat money and have a cabal of the ruing elite d*heads manipulating their money system to our constant disadvantage. Imagine what kind of people the 100,000,000 would want to be in Congress acting on their behalf if they are beholden of the type of mindset required to have the b***s [or desperation] to send out 'CN' letters? I *love* that thought. Getting rid of the one-world-fiat-luciferian-one-tribe-only-bankers and their insidious system won't fix all the economic trouble out there. In fact, for the short term, in the event We the People decide to give them and their system the boot, the fiat masters, whose master is more than likely the devil himself, will utilize a scorched earth exit strategy to make us 'pay' for being so 'unenlightened' to tell them to f* off. But children of the light should not fear this. I, for one, consider myself as such, and I am no pushover. The instant the demon loving creeps try to pull some s*, then We the People declare them a foreign/domestic enemy, formally declare war like we do sometimes, get a real American army - not the fake current US federal mercenary forces - to pull out the M16s, hunt down the perps and take them out. Then we can show who is going to make who pay for what. Destroying these dynasties that have been a scourge to our world for the last 100 years [at least] should be mission #1 for We the People. So, yes, short term, lots of pain, but when you eradicate the center of the production of evil in the world, by default, in its absence, the world around us becomes a better place.

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  15. It seems that most of these commenters have not researched OPPT documents, neither do they have an understanding of the true nature of loans. If this is the case, I suggest they go back and perform due diligence, as this is a place and a subject in which (if I may) personal responsibility is top priority,and the tone of this space promotes positivity and enlightenment, not uninformed judgment and criticism.

    Its understood that to be faced with the enormity of the lie we have been taught is reality all our lives can be cause for a lot of anger and denial. Probably most of us here have experienced that in varying degrees.

    If, on the other hand, the commenters are in fact, shills, you have been expected, welcome to the party! Do understand, however, that you only serve to make our collective determination for action stronger with every attack. The fraudulent system has been defeated.

    What a great day to serve more Courtesy Notices!

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    1. Leslee, on what do you base this assertion, that "most of these commenters have not researched OPPT documents"? Do you think it is possible to have researched (and understood, or at least appreciated the spirit of) the OPPT documents and also discern that in this case, JP Morgan Chase may not have released Shirley's lien because she sent CNs or because they have admitted "defeat" by the OPPT, but rather, because this is what they do when they determine that the cost of pursuing a mortgage deficiency on a deeply underwater property is more than the benefit?

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    2. She got this letter AFTER receiving a Courtesy Notice. From my vantage point, there was no reason for Chase to issue this response unless it was as a direct result of the CN. Simple cause and effect logic. Whatever the case, Shirley is in a MUCH better position now than she was before. She can stay in her house without having to make a payment. A huge relief for her financial affairs. If the process of submitting a CN were implemented by every family facing foreclosure, we would have much less vacant bank owned homes and displaced families.

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    3. BK: "She got this letter AFTER receiving a Courtesy Notice. From my vantage point, there was no reason for Chase to issue this response unless it was as a direct result of the CN. Simple cause and effect logic."

      Correlation does not imply causation. https://en.wikipedia.org/wiki/Correlation_does_not_imply_causation

      BK: "Whatever the case, Shirley is in a MUCH better position now than she was before."

      Agreed.

      BK:"She can stay in her house without having to make a payment."

      Then what exactly do you think they meant by "You are still responsible for the debt on your mortgage"?

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  16. How come Chase did not print this on headed paper? it seems strange to me, they are required to do so for letters... I worked there, so I know is a must... also is not been signed either.

    Also it has a number but no name on top of it apart from "Chase", the signature is all wrong for what Chase employees are obliged and checked to do in all their letters.

    As someone that has worked there I'd say this letter is a fake.

    Obviously I hope and wish it was real... but I've never seen a letter being sent like this before from any banking institution I've worked in.

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  17. Brian, does she know she also has a $30K IRS tax lien on her property? Lots of times, people don't know about these liens.

    There's an interesting twist to the tax liens. What the IRS files is actually a NOTICE of tax lien and in fact there IS NO LIEN. But county recorders always make the mistake of recording them as a TAX LIEN rather than a NOTICE, as the Wayne County recorder has done also in this case. Shirley should consider contact the county recorder (Register of Deeds) to correct this.

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  18. Anna, with all due respect, I know from personal experience that the banks have and continue to make enormous profits by foreclosing. They get paid 2, 3, 4 times over for the house through foreclosing. So there's no such thing (in this country, at this time) as the bank throwing up their hands and saying "its just not worth it to foreclose this person's house, doing so would be a financial loss for us." Certainly worth more to the bank in foreclosure, than for the owner to keep it and maintain the payments. That scam has already been outed.

    I fail to understand why you are angry and/or annoyed regarding this article/outcome, as this is a win for The People. You are one of those people. Did you not come here because you want to reclaim your God-given rights?

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    1. "BM At branch level we don’t get involved with any of that, however you’re right, debt is effectively sold, so the bank will take a stance on how much time and energy do we invest in trying to reclaim this debt. When it gets to a point, a team, a centralized team will make a decision, there’s a certain set of rules to which they work, I don’t know what they are, the rules of engagement, but they calculate the cost/benefit and decide if it’s going to cost too much to collect this debt, we’ll sell it, we’ll take a loss, we’ll sell it, to an external collection firm who specialize in collecting debt. It’s a simple cost/benefit."

      http://briankellysblog.blogspot.com/2013/08/banking-insider-speaks-out.html

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  19. As for "still responsible for the debt on your mortgage," as Brian mentioned, the bank is not trying to hand a great PR piece out to the public, admitting in black and white, with cheerful and willing hearts, for every newspaper in the land, that everyone is clear for cancelling their mortgages now!

    Looking at the statement more technically, there IS NO DEBT. So, she is responsible for a debt of ZERO. She is responsible for NOTHING with the mortgage.

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  20. One last suggestion: If you are going to "work for a salary" given to you by a foreclosed corporation, in an attempt to discourage people from freeing themselves from a system of enslavement that has destroyed people's lives the world over, you will have to work a bit harder to be credible in playing the role of several different commenters. Perhaps you could study several different writing styles, varying your phrasing and grammar for each pseudonym, as well as pretend to have a unique viewpoint for each.

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    1. Thank you so much for holding the contrast, Leslee. All perspectives are of value. Hopefully, Brian will have by now shared the other info I provided (in comments he has chosen not to publish) with Shirley that might help her see this small victory all the way through to the finish line. She might need to file a few more CNs.

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  21. Hi Brian!

    As I understand, Chase waits "discharge" from Shirley. She is creditor, Chase is debtor. She must send invoice to Chase. You can read it from Mary Elisabeth:Crowt's book:)

    Greetings, Argo (Estonia)

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  22. Love your work bro!!! Your efforts are being felt all over the world, people down here in NZ are waking up thanks to people like you

    Matiu

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  23. any documents she sent out to go with this? I have a template for the Courtesy notice. I've already tried that on several alleged creditors without any luck. but could use templates for Determination of Funding, and any Invoice Templates...

    thanks,

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  24. OK, there's been some movement. On 8/8/2013 JP Morgan recorded a mortgage DISCHARGE document in Shirley's county registry of deeds. Has she heard from a 3rd party collection agency yet?

    Entry Date: 08/08/2013
    Document Type: DISCHARGE

    Grantor Name(s)
    1 JPMORGAN CHASE BANK SBM
    2 FEDERAL DEPOSIT INSURANCE CORP RECVR
    3 WASHINGTON MUTUAL BANK
    4 WASHINGTON MUTUAL BANK FA FKA

    Grantee Name(s)
    1 MUHAMMAD SHIRLEY Z

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  25. Thanks Anna I checked on this a couple of weeks ago and no, I have not heard from a third party, that would initiate a final invoice, so I detached from this alleged debt and have moved on to the next big crook, the alleged taxing de-thority.

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    1. That's good news so far, Shirley. Stay vigilant! As for the purported tax lien, I realize you believe in the CN, but as a more conventional back-up plan, you might go to your county register of deeds and 1) get a copy of the Notice of Tax Lien filed by the IRS (like this: http://tinyurl.com/ms9re4g) and 2) after confirming that it is *just* a Notice and NOT a lien, inform your deeds office that they have filed the document incorrectly. They filed it as a US TAX LIEN when they should have filed it as a NOTICE. Wayne County Register of Deeds recognizes the following types of NOTICE. Obviously, the best match for an IRS Notice of Federal Tax Lien is just plain "NOTICE".

      NOTICE
      NOTICE BY PERSONS CLAIMING TITLE UNDER TAX DEED
      NOTICE OF APPROVED ENVIRONMENTAL REMEDIATION
      NOTICE OF BANKRUPTCY
      NOTICE OF CLAIM
      NOTICE OF CLAIM OF INTEREST
      NOTICE OF CLAIM OF INTEREST RELEASE
      NOTICE OF COMMENCEMENT
      NOTICE OF CORRECTIVE ACTION (DEPT. OF ENVIRON)
      NOTICE OF FEDERAL ESTATE TAX LIEN
      NOTICE OF FURNISHING
      NOTICE OF LEVY
      NOTICE OF LEVY RELEASE
      NOTICE OF RELEASE OF JUDGMENT OF FORECLOSURE
      NOTICE OF TAX SALE

      For information about the deceptive use of the Notice of Federal Tax Lien, see http://tinyurl.com/cy3e4k4

      Good luck! Please keep us posted!

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  26. More re Notice of Federal Tax Liens:

    "This is a recorded meeting of County Commissioners with citizen participation, held on 08-08-2007 in Douglas County Oregon. Rae Copitka [starting at 7:40 into the video] explains how the IRS gets the county recorders to stamp and recording Notices of Federal Tax Liens, which are then enforced as if they are valid liens. The IRS then uses the recorder's stamped copy of the recording as its only 'evidence' of a lien. The IRS agent gets away because his name is not on the filing. The clerk can then be charged with securities fraud, because she converted the 'notice' into a negotiable instrument."
    mms://media.co.douglas.or.us/Archive/BOC_Regular_public_Meeting_08_08_2007.wmv

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  27. Even more about the fraud of the Notice of Federal Tax Lien...

    After a presentation by Jim Shaver and his Steering Committee in March, 1999, the Stevens County Commissioners changed the "Tax Lien Index" to a "Notice of Tax Lien Index."
    Errol Mackzum, Auditor/Controller of San Bernardino County, caused the Forms 668-Y to be recorded as Tax Lien Notices in the General Index, after being shown Jim Shaver's Open Letter to Sheriffs Across America

    See http://www.angelfire.com/wa2/jimshaver/

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  28. Brian,

    I'm very surprised that you haven't posted an update to this story informing everyone of Shirley's interview on Global F.A.C.T. radio on 13 September! Here's the link.

    http://www.blogtalkradio.com/globalfactradio/2013/09/13/conscious-living-successes-of-the-oppt-courtessy-notices

    Anna

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  29. Has Shirley received an IRS form 1099-C (Cancellation of Debt)? If the loan was forgiven (the letter, on its surface, does *not* say it was), the standard practice (so that the bank can get "credit" for the forgiveness) is to issue a 1099-C. In general, the amount of the forgiveness on a 1099-C is taxable, but there are exceptions. Since Shirley's letter does *not* say the loan was forgiven, and in fact says the opposite -- that the debt still exists -- then she should not receive a 1099-C.

    See http://www.1099c.org/ for some more info.

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  30. Might be a good time for Shirley to sell!

    http://www.zerohedge.com/news/2013-09-24/unstoppabull-housing-recovery-despite-bankruptcy-detroit-home-prices-soar-five-year-

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  31. Who else has used the CN successfully to stop a foreclosure?

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  32. Just popping in to let Shirley know there's a new state tax "lien" on her property for $1,039.43. These corporate governments have a nasty habit of just recording these "liens" without warning the property owner.

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  33. There might have been another reason to release Shirley ... poor woman in a devastated region with a worthless piece of real estate that would cost the 'bank' far more to fight an animated 'borrower' than to just let it go. *If* the causal force was the CN, that is not as important as the fact somebody's mind was altered to use something like the CN - which I think makes little sense because it is poorly written.

    Conceptually, I like the idea to call out the Beast on their fraud, to set the stage to destroy the fiat banking systems and return to honest money, and an honest monetary system, overseen by honest people who are democratically selected to do so for limited terms, made up of a cross section of the people instead of being overloaded by a single tribe. Despite the practical weakness of the CN, the political strength is undeniable. As a people, 'We' the people, we must never forget that the current banking scam was the product of an act of Congress. The good news is, if it can be created by an act of Congress, it can be revoked by an act of Congress. If we get 100,000,000 people sending CN's all over the place, what that really means is we have 100,000,000 people who don't want to f* around with counterfeit fiat money and have a cabal of the ruing elite d*heads manipulating their money system to our constant disadvantage. Imagine what kind of people the 100,000,000 would want to be in Congress acting on their behalf if they are beholden of the type of mindset required to have the b***s [or desperation] to send out 'CN' letters? I *love* that thought. Getting rid of the one-world-fiat-luciferian-one-tribe-only-bankers and their insidious system won't fix all the economic trouble out there. In fact, for the short term, in the event We the People decide to give them and their system the boot, the fiat masters, whose master is more than likely the devil himself, will utilize a scorched earth exit strategy to make us 'pay' for being so 'unenlightened' to tell them to f* off. But children of the light should not fear this. I, for one, consider myself as such, and I am no pushover. The instant the demon loving creeps try to pull some s*, then We the People declare them a foreign/domestic enemy, formally declare war like we do sometimes, get a real American army - not the fake current US federal mercenary forces - to pull out the M16s, hunt down the perps and take them out. Then we can show who is going to make who pay for what. Destroying these dynasties that have been a scourge to our world for the last 100 years [at least] should be mission #1 for We the People. So, yes, short term, lots of pain, but when you eradicate the center of the production of evil in the world, by default, in its absence, the world around us becomes a better place.

    [trying again]

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