MORTGAGE FRAUD SECRETS EXPOSED

If you have your original closing mortgage documents available, you’ll be able to flip through them and see
what the mortgage company has done to defraud you. The two main documents that I will be referencing will be
the Note and the Deed of Trust (or Mortgage). The note is commonly referred to as a promissory note.
However, it is not a traditional promissory note.
At the end of this mortgage fraud/settlement process, which takes two to four months to complete, you will
have battled the bank’s trustees to obtain your property free and clear. After all, you are the rightful owner of
your home. Look at your Deed of Trust; your name is on it. You’ve already paid for your house. It was paid for
in full before you even signed the papers at escrow, and you didn’t even know it; nor was it disclosed to you.

The Promissory Note

The promissory note starts out referring to you as the Borrower. It talks about the borrower’s promise to
pay. Following those words, it says, “In return for a loan that I have received.” After that it says, “I promise
to pay,” and then the exact dollar figure is listed. Then the Promissory Note mentions the installment payments
and interest. Then the Note says, “In return for a loan that I have received.” Then a date is listed on that note.
The question is: When you went to the title company or escrow office and signed all the documents for your
mortgage, had you already received a “loan”? That’s an important question. The note that you signed says at
the very top, “In return for a loan that I have received.” What this is telling you is that you received a loan
sometime before the date that you signed the note.
Let’s say that you signed the note on February 12, 2004. What the words, “In return for a loan that I have
received,” really means that at some time before February 12, 2004, I received a loan.
The fact is, you did not actually receive a loan before that date; matter of fact, you never received ANY kind of
a loan at all…at any time! There was no loan received or provided you. This whole “loaning you money to buy
a house” is a complete and total fraud.

There Never Was A REAL Loan…

The fact is, you did not receive a loan before the date that you signed a note. You didn’t see a cashier’s check
in the mail a few days before you went and signed these papers, did you? You didn’t get any kind of an
electronic transfer into your checking account before you signed either!
When you go to the title company and sign the mortgage documents, you see the words at the top of the note,
“In return for a loan that I have received,” you might think, “I’ll sign this and after I sign it, I guess I have
received a loan.” But that is not what the document says.
If there is ever a legal controversy concerning whether you actually received a loan prior to signing or
assumed you received a loan at the time of the signing; which side will win, the side that argues their
assumptions or the side that argues the “exact words” on the pages you signed? You know the answer to that.
It’s the words on the document that will win.
When you see a document that states, “In return for a loan that I have received,” and you know for a fact that
no loan was received, something odd is going on. When it says, “have received” in the past tense, as though a
past event has already occurred (by the date you’re signing the note), you know that it has a meaning.
Everything in legal terms and legalese means something.
The meaning of the words “have received” is that some event already happened. If you know that it didn’t
happen, something is wrong. Somebody is not telling the truth. Who is not telling the truth?
 As you take a close look at the note, something very interesting is taking place. Did you know that YOU
created that note? Did you know that YOU created the deed of trust?
If you closely examine the wording on the note and the deed of trust, it will begin to make sense to you. It
says, “I will do this. I will do that. In return for a loan that I have received, I promise to pay. I understand this. I
will do this, etc…” as it proceeds through the note.
You realize that these are statements that they have printed out for you, but you are the one who is signing
the documents, so it looks like you have produced and provided these statements to them. In signing these
documents you assert that, “in return for a loan that I received”, it looks like they are tricking you into signing a
statement that isn’t true. You might think, “Hey, they are making me sign a statement that isn’t true, it’s a lie.”
By doing this, the bank is putting that lie that you’ve received a loan into your mouth. You are the one signing it
and saying it, and that gives them the privilege to say, “The borrower says and agrees that they’ve received a
loan, so we’ll proceed on the basis of what they said and signed to. They signed the papers saying they’ve
received a loan. We’ll go ahead and behave as though they did receive it, and we’ll require them to make
payments.”
That is not a fair transaction when no loan was provided to you in the transaction. No money was actually
provided to you as a loan. In return for not providing a loan to you, you have to pay the bank a payment every
month for the next 30 years.

But The Seller Got Paid Money Right? Where Did The Money Come From?
The next question that comes to mind is, “If no loan was provided, where did the money come from to pay
the seller of the house? The person I bought the house from got paid. Where did the money come from?”
This is where the whole “loan process” gets interesting. We’ll compare what happens in a normal real estate
transaction with an analogy.
Let’s say that I advertise my car for sale. I’m still driving my 1999 Honda Civic, even though it has 120,000
miles on it. You know about Hondas, they run for a long time. So, I put it on Craigslist for $2,400, hoping that I
can sell it for at least $2,000.
You see it advertised. You come over and take a good look at the Honda. You offer me $2,000. So, I say,
“That sounds great. We have a deal.” You tell me that you would like to pay by check, “Is that a deal?” I say,
“Sure, I understand. People don’t walk around with $2,000 cash all the time. You can write me a check.”
However, I’m not going to let you take the car until the check clears.” You say, “That’s fine.”
We agree. We have a deal. You write me the check, I give you a receipt, and that protects your side of the deal. I
take that check. I deposit it into my account. I draw some funds off of it. The rest of it, I leave in my account.
Within a couple of days, you check your bank account online. You see that there is $2,000 less in your bank
account. Furthermore, I can see that there is $2,000 more in my bank account. Your check has cleared. That
means you’re going to come and knock on my door. We both acknowledge that the check has cleared. You say
to me that it’s time for you to take the car and the title.
But I say to you, “All right, I’ll give you the keys to the car, but I’ve decided to change the deal. I’m not
going to transfer the title over to you. You can take possession, but I’m not going to actually give you the title to
the car until you pay me $45 a month for the next 20 years. How do you like that?”
That’s crazy you think, that would never happen to anybody. No one would ever agree to that.
Yet, every day of the week, in thousands of mortgage transactions all over the country, this type of scenario is
taking place, where bankers and escrow officers are writing these “loans”, making borrowers enter into these
unfair arrangements…with one exception to the car buying scenario and that is “disclosure”.
I disclosed to you when you came to take full possession of the car that we both understood that the payment
in “full had been made”. That’s really the only difference between this car sales scenario and when people get
into these “mortgage loan” arrangements.
The lender is not disclosing that there actually isn’t any lending going on. They’re not telling you that the
note you signed is NOT a promissory note. It is actually a cashier’s check or bank note, when you look at how it
is structured.
When you sign your name to the note and hand that over to the lender, this is what happens to the note. The
lender takes that note as though it were a cashier’s check or a personal check and deposits that document into
their bank account, as if paid in full. On the back of the original note you signed, the banker stamped “Pay to
the order of” and deposited the note as cash into the bank’s account.
The banks accept these promissory note documents as negotiable instruments and treat them like a cashier’s
check or a cash deposit. That promissory note becomes a cash deposit to the bankers who deposit it into their
account. It becomes cash to the bankers, and you paid off your house with cash as far as the bank is concerned,
by signing that promissory note at escrow.

How The Bank Treats Your Note On Their Records

In this fractional banking system, for every dollar that is on deposit in any particular bank branch, that bank
has the ability to issue $10 of credit. Your cash deposit, (the promissory note you signed at escrow), creates an
asset they can use.
Think of a $250,000 note that is put on “deposit”. That means $2.5 million to that bank. It’s a great deal for
the bank. It’s not a great deal for you.
The bank did not disclose to you that when you came to the escrow table to sign all that paperwork, that
“payment in full” was already made by you. You were fooled into issuing to them what you THOUGHT was
merely a promise to pay, but they took your promissory note as a payment in FULL. You paid in full!
What arrangement did you agree to under the deed of trust when “payment in full” was made? The bank is
supposed to initiate the “reconveyance process”. This is the process whereby the mortgage lien is removed from
your title. But they don’t. They don’t tell you that payment in full has been made. That’s another part of the
fraud. They’re asking you to pay for that whole mortgage one more time.
We’re not going to go into depth here about how the banks sell the note and get paid all over again or the
process called “securitization,”(you can read the FBI Documents in the website resources about Securitization)
which is another way the entire mortgage obligation gets paid again. When the mortgage note is converted from
a plain document that is signed at the beginning of the loan, you think you’re receiving a negotiable instrument,
but instead the note is deposited as cash into the lender’s bank account. This means that your promise to pay has
been fulfilled. Paid in full! (Under the current Federal Reserve System, there is no actual money to pay for
anything so the Fed has authorized that bonded promissory notes/Money Orders, signed by you the “borrower”,
can be converted into cash and paid to the bank. They actually get the “money” from that promissory
note/MoneyOrder from the United States Treasury…but that’s another story!)

The Proof Is In Your Deed Of Trust

The proof of what I’m saying is in the language of the deed of trust. It is in black and white. This language
is toward the end of the second page.
If you’re in a State that doesn’t have a deed of trust, the document is referred to as a mortgage.
The language I’m referencing starts with “Borrower Covenants.” Those words should be in capital letters.
What that says is that the borrower (meaning you) covenants (gives a solemn promise) and can confirm the
following fact: The borrower covenants that they are “lawfully seized” of the estate.
What does that mean? “Legally seized”, means “in possession of”. You are in full legal possession of the
estate. In other words, you possess the property free and clear of all encumbrances. It further explains that this
borrower has the full legal right to convey and/or grant this property to someone else. That means that you can
sign the property over to someone else if you want.
The question is: Can you legally give something away that you don’t legally own, even if someone else
owns maybe 5% of this thing? Do you have a legal right to give it away? No, of course you don’t.
You have to be legally seized of that piece of property in order to give it away. It is right there in your deed
of trust. It says that you are legally in possession and legally own this property.
Then at that point YOU are choosing to convey it to the bank, just because the paperwork said you had to.
How are you able to do that if you don’t already own it? The very simple answer to that question is, you do own
the property… and since your are legally seized of the property, you simply signed it over to the bank!
How is it that you own the property? You own it because just five minutes before, you signed a document
called a note. The note was accepted as payment in full (but you weren’t told that). The following papers prove
it. In this signing process, the note is signed first, and then right after the deed of trust is signed. That very
precise order of things is very important, and it’s always the case.
You first pay for the property with the note. At that moment you own the property free and clear. You have
become the owner by your payment in full, you now are the authorized owner. You now have the ability to turn
around and give the property away, which you go ahead and do.
I bet you had no idea this is what happened to you at closing. No one told you that you fully owned the
property free and clear. This is basically how they defrauded you. This is how they’re able to steal your property
right out from underneath your nose.
They have you sign documents that you do not know is being treated as cash. You also don’t know that the
note you sign is accepted as payment in full to pay off the property. Further, It is not disclosed to you that you
now own the property free and clear at the moment you signed the paperwork and then they don’t tell you that
you simply signed the property over to the bank when you signed the deed of trust. The banks, the attorneys,
the escrow companies fooled us into owning the property by signing the note and then fooled us into
giving it away by signing the trust! Within about a five-minute period of time, you come into full possession
of a property and then you give it away, not knowing that that whole thing took place.

YOU HAVE BEEN DEFRAUDED BY THE BANKS!

The problem is that none of this is ever disclosed to you at any time during the “loan” process. You
assumed you were receiving a loan from the bank but in actuality when you signed the note, your signature on
the note created the money to fund the “loan.” If you look at your deed of trust it will call you the borrower and
the bank is called the Lender but no money was borrowed or loaned. How do they get away with that? Well,
the meaning of the words were changed to suit their fraud. The whole process is deceptive and has not been
disclosed in order to accommodate their fraud.
For instance, your note, after it has been deposited at the bank, it is sold to other investors. You are never told of
this process.

What Are We Claiming?

Are we bringing forward a breach of contract? No, not really, but that is one of the things that you are
certainly bringing to light. It’s very important to let the other side know what YOU know. They count on you
NOT knowing these things.
The banks (and their attorneys) assume that you’re ignorant, which is what gets this whole thing rolling in
the first place. It’s your ignorance of the true nature of the transaction. If they sense that you don’t really know
what you’re doing, of course they’re going to proceed with a foreclosure or collection, or assume their
contract is in effect (When you begin to do this process, you will discover that the banks and their attorneys
will ignore you and your paperwork. They assume that their contract over you is superior and will ignore your
paperwork. They will send you authoritative letters of their own denying your claims. The attorneys for the
banks live to bluff and bluster…but the truth is, you are the one that is in control!)
You give them enough information that indicates that you know you have the right, because you are the
trustor (maker, creator) of the trust. You’re the one who created that document, and you are the one who made
the initial assignments and appointments that got this whole system going in the first place.
Thanks to this process, you establish through the bank’s own permission, due to their non response to our
notices, that you still have that power. You now have a new contract which indicates their understanding that
you have the power to appoint someone else as Trustee. You have the power to revoke their appointment as
trustee and beneficiary. That is, in general terms, the process that we follow. We revoke the appointments that
have been made that set up their authority to do a foreclosure or make a payoff claim in the first place.
If you have revoked the bank’s trustees and stripped them of their fraudulent authority, they have no
documentation to rely upon if this actually ends up in front of a judge. In fact our documentation will give you
that power, which they will not want to challenge once established. They do not want that situation. They don’t
want this to end up in a lawsuit against them. What you’re doing by preparing yourself is having a file full of all
the documents you’ve done, in order to present your claim to a judge. You do this process with an eye down the
road, if and when you sue the bank. All the documents are geared with a lawsuit against the bank in mind.

How Do You Prove That You Paid? Do You Subpoena Them For Their Records?
We suggest that each user of our system submit an affidavit of fact asserting that payment in full was made.
That makes them have to prove that it isn’t true. The only way to rebut an affidavit is to provide your own
affidavit, point by point. Those are the rules.
If they haven’t provided an affidavit to overcome the one that you’ve provided, then under law they are
essentially agreeing with what you’ve said. Silence is acquiescence, is the legal rule on that. There comes a
point in our process, where if you’ve done all the right things, they have to listen. They essentially do obey. You
are the one driving now.
The bank knows that proceeding forward and just ignoring you could actually mean criminal charges to the
human beings that are taking these steps. There are consequences to engaging in fraud, if the victim of it knows
what’s happening to them.
On top of that, we even offer to pay them funds, by creating a Promissory Note or Money Order and sending
it to them. If they don’t credit the payment offer and deny payment that is also indication of fraud and denial of
payment. We give them so many ways to comply, that we overwhelm any legal argument in our favor.

How Is The Treasury Involved In This?

The funds that are drawn from our signature actually come from a shadow account that’s kept in our ALL
CAPS NAME with the Treasury Department.
We individuals are the originator of all credit in this country. When we as the authorized agents for those
accounts sign our name, what we’re doing is authorizing that account with the Treasury to be taxed.
That makes us the originator of these funds. Just as if we printed real money. It is accounted for that way in
our all electronic banking system. That makes us the originator of the loan, whether it’s a credit card, an auto
loan or any of these things.
If we are the originator, then the other side of the transaction, the other party, is not providing anything. That
alone makes it an unconscionable contract. In other words, there is no consideration. They bring nothing to the
table.
If you provide the funds and they don’t, then what are they providing? Nothing!
Forget the fact that the note you signed doesn’t have another signature other than yours. Forget the fact that the
deed of trust doesn’t have another signature other than yours. The fact that you are the originator of the funds
means that you don’t owe anybody anything. You already PAID IT.

How Your Signature Works

If you look carefully at your deed of trust, you’ll find that there is no other signature, only yours. Look at the
end of the note and you’ll find that there is no other signature, only yours.
When you write a check, when you buy your groceries or pay your power bill, do you have some
representative at the grocery store also sign the check? Of course you don’t. Do you have an associate at the
power company also sign the check? Of course you don’t.
It’s the same with the note. You’re basically signing a check. Because you’re signing a check, a negotiable
instrument, there doesn’t need to be another party signing it. You sign it. You say, “Here’s payment.” They
receive and deposit it. It’s money to them. It all gets balanced out through electronic shifting of numbers later,
all stemming from your Treasury ledger.
That is the main reason why you have every right to a free and clear title of your property. You paid it
entirely. The entire obligation is satisfied.
We keep coming back to the fact that the only way that this lender could be given the property is if whoever
gave it to them had the right to give it to them. The only way you have the right to give it to them is if you own
it free and clear.
There must have been some mechanism by which you became that free and clear owner. The only
mechanism that there can possibly be is if you paid for it, entirely, and if that payment was accepted as payment
in full. It was.
One thing we have to remember here is that YOU are actually the lender in these cases.

You Are The Creator Of All Credit And Notes – Why Is That Important?
You are the creator of the trust. That’s what the paper work says. You’re the trustor/grantor. Those two
words are synonymous. They mean the same thing. In some states it’s grantor and in other states it is trustor, but
it means the same thing. You’re the one who created that trust. You created that document. They simply printed
it out.

So Here Is The Basic Mortgage Fraud Process:

After you send the bank;
1) Request for information (a Qualified Written Request) and turn their demand for payment (30 day payoff
statement/Mortgage Statement) into a,
2) Money Order/Bonded Promissory Note as tender of payment for payoff (utilizing your Trust account at the
U.S. Treasury), you,
3) Use your “Right To Cancel” the alleged contract and,
4) Revoke the power of attorney. Once that’s been done and you’ve,
5) Filed notice with the county to make it public record (record it) that you have taken your voice back and
hold the power of attorney. Then you,
6) Revoke the trustee. Then you,
7) Revoke the beneficiary. Then you,
8) Revoke the lender (and their liens using a Quit Claim Deed). You revoke all of those relationships because
you have the right to do so, thanks to the agreement formed when the bank failed to respond to your offers. But
the final process starts with the power of attorney. Then if you desire you can follow up with the optional,
9) Enforcement process (filing a lawsuit, filing a criminal complaint with the FBI, filing a fraud complaint
with the IRS, filing a commercial lien against the bank, etc…) is optional and only done if necessary, but you
now have a strong case if they fight you or you elect to sue the bank. Your evidence is much stronger than
theirs, due to this process and due to the fact they allowed every step of this indicating their approval.

“LEGAL” RULES AND TERMINOLOGY OF THE MORTGAGE FRAUD PROCESS

Here are some rules to consider when you’re doing this process. Remember, this process is not so much
about perfection. It’s not about being clever or anything like that. It’s about certain rules of law which have been
used and exercised over the years. We’re just exercising them in this arena based upon the circumstances we’re
seeing out there in the mortgage market.
You may have read some of the recent articles on the internet. Many articles are emerging about the MERS
System and the flaws in the entire mortgage portfolio system on the market. The Treasury is having concerns
with this as well; as they should. They’re having a difficult time tracking all these mortgages (copies) and
finding the original notes. Courts are agreeing in most cases, that the banks need the original notes to prove the
very existence of a claim for a debt owed.

RULES OF CONTRACTS WE APPLY

Let’s talk about some of the basic rules of contracts or contract law. If you understand these rules, the
documents will make more sense to you. It is important that you go through this prior to reading through the
documents. As you read the documents, you’ll see that it’s full of legal terminology and specific wording.
For there to be a contract, there has to be a “meeting of the minds”. This means that the two parties simply
understand what the agreement was, whether it’s a handshake or a posted sign like a speed sign on a road.
We enter into contracts dozens of times a day and don’t even realize it. During our whole lives as debtors in
society, we are set up so that we are constantly being entered into contracts. Everywhere we go, we’re paying
fees, registering, licensing and agreeing to something. When we simply agree to walk through a store without
shoplifting, that equates to a contract.
Look at it as if laws are really contracts in commerce. If you always keep in mind that everything you do is a
contract, many things in life will begin to make more sense to you.
Even when the government passes rules, regulations and laws, they are contracts. If you don’t object, you
become subject to those laws. You know why they get away with it? First, we voted those representatives in.
Two, they assume we won’t argue or stand up against it, even if what they do is unconstitutional. I believe
congress passes many unconstitutional laws, but if we don’t stand up, they get away with it. Silence is
acquiescence.
Everything we do in life is a contract. Even when going into court, it is actually about contracts. Once you
answer that judge with whom you are and plead guilty or not, you’ve entered into a contract and you’re a
subject of that court.
Another concept to understand is silence. If you clearly let someone know and give them ample warning on
the issue or you notify them of certain things and they don’t dispute those claims, then their silence is an
agreement with those claims. You need to clearly prove that they were notified properly and understood the
nature of those statements. Our mortgage and debt documents do that process as well. The silence is
acquiescence concept is definitely part of what we do.
We are carefully following a legal process, not re-inventing anything new here. How we apply it, however, is
unique.
An incomplete response is not a response. For example, you sent a letter out to the bank and the bank
appears to respond to that letter. But if you actually look at the original letter you send, it outlines what a
correct and complete response is, and that anything less is no response at all… a partial response is not a
response. It is still silence.
Unless it is a specific, exact response, it is not a response. It is a diversion. It is a curveball response. The
other party wants to see if you’ll quit at that point. So, persistence and demanding exact complete responses
are essential to your success.
What they’re doing is playing football with you. They’re hitting you every now and then with something.
They’re going to see if you won’t make it through to the final two minutes of the fourth quarter. They’ll try to
get you to quit in the final two minutes too. It might be through intimidation, diversion, lies or statements they
make, all of which can invoke fear.
Persistence is what will get you through this. No matter what happens, go to the next step. That’s
critically important.
That is where people succeed or fail with this process. They get caught up in it and don’t realize that they
have to go ALL THE WAY from Point A to Point Z, not Point A to Point G. That is really what it will take.

FRAUD VITIATES CONTRACTS

Another concept we need to understand is that Fraud Vitiates Contracts. That means that if bank’s
representative or escrow officer didn’t disclose something to you in the original agreement. Or as in the case of
mortgages, they misused or monetized your note in a certain way; were paid off, and didn’t tell you, it is
potentially considered fraud.
If that happens, if you read the language in the documents, it vitiates or eliminates the original mortgage
contract…the mortgage debt. What we’re saying is that’s one more piece of your ammunition to get fair
treatment. Remember, all these things become your ammunition, which you have a right to utilize. Fraud
vitiates contracts.
If the bank committed a fraud against you and they don’t deny it, their silence is admission of the
fraud. Then, when they don’t produce an original contract, we are granted certain permission, as written in our
agreement you will send to the bank. That is why you go in and change the power of attorney and the trustee
and remove the lien. You will have their permission to do so.
If the bank’s attorneys don’t try to stop this process, even after, when we outline how they have committed a
fraud, their silence is agreement. They don’t want to go to court with your pile of evidence stacked against
them. That’s why you push the process forward. The more steps you take, the more ammunition you have if
they ever do try to get you into court or in case you decide to take them to court.
What Is A CLAIM?
A claim is when somebody says, “We have an agreement and I have genuine proof of a contract.” The nature
and the form of the mortgage agreement is that a note was signed as escrow, with the assumption that the bank
gave you real money. But did the bank give you real money of substance? OK bank, why don’t you show me
proof of that and while you are at it, show me the original note that I signed? If they don’t show If up with the
original note, they can’t prove their claim. Even attorneys will tell you that, if the banks cannot prove their
claim, they don’t have a case! Lawyers can argue all they want, but the fact is, without proof of claim there is
no claim. There is no contract. There is no contract for you to pay back a “loan” that your signature created out
of thin air.

Contact us if your want to learn more…

(813) 448-2108 | RightToCancel.com