Creditor and Their Bonds

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Every effect has a cause. Every cause starts with a thought. Remedy starts by changing your thinking.

The Law of Cause and Effect

Every action generates a force of energy that returns to us in like kind … what we sow is what we reap. And when we choose actions that bring happiness and success to others, the fruit of our karma is happiness and success.

The Seven Spiritual Laws of Success
Deepak Chopra

The laws under which we live operate to our advantage. All conditions and experiences that come to use are for our benefit. We gain strength in proportion to the effort expended. Our happiness is best attained through a conscious cooperation with natural laws.

The laws under which we live are designed solely for our advantage. These laws are immutable and we cannot escape their operation.

Difficulties, dis-harmonies and obstacles indicate that we are either refusing to give up what we no longer need, or refusing to accept what we require.

All conditions and experiences that come to us do so for our benefit. Difficulties and obstacles will continue to come until we absorb their wisdom and gather from them the essentials of further growth.

That we reap what we sow is mathematically exact. We gain permanent strength exactly to the extent of the effort required to overcome difficulties.

The DELFIN System
Transforming the Way the World Thinks

Effort – deliberate exertion of physical OR mental power.         Random House Dictionary

The Bible

Commit thy works unto the Lord, and thy thoughts shall be established. Proverbs 16:3

The Lord of hosts hath sworn, saying, Surely as I have thought, so shall it come to pass; and as I have purposed, so shall it stand: Isaiah 14:24

Where a man’s ways please the Lord, he maketh even his enemies to be at peace with him. Proverbs 16:7 Be not deceived, God is not mocked, for whatever a man soweth, that shall he also reap. Galatians 6:7

An elder Cherokee Native American was teaching his grandchildren about life.

He said to them, “A fight is going on inside me… it is a terrible fight and it is between two wolves.

One wolf represents: fear, anger, envy, sorrow, regret, greed, arrogance, self-pity, guilt, resentment, inferiority, lies, false pride, superiority, and ego.

The other stands for: joy, peace, love, hope, sharing, serenity, humility, kindness, benevolence, friendship, empathy, generosity, truth, compassion, and faith.

This same fight is going on inside you, and inside every other person, too.”

They thought about it for a minute and then one child asked his grandfather, “Which wolf will win?”

The old Cherokee simply replied… “The one you feed.”

2- Why do I have an exemption

You have an exemption because you have no money. There is a constitutional prohibition again paper money. A country (a state) has to have a name, people, boundaries, and money. If one of those elements is missing, there is no country. If Connecticut has no people, it is not a state. If it has no geographic boundaries, it is not a state. If it has no money, it is not a state.

Look at the cause and effect.

Why is there no money in circulation?

Who had authority to demand the money be given to the Federal Reserve Banks by May 1, 1933? The money is in trust for the people in the states

You cannot pay. He who has the gold, pays the bills.

You are exempt. He who demands payment, knows or should know there is no money.

You are not expected to pay.

You loaned all your substance to the fiction by application and registration. You have nothing but possession. You have no titles to substance. You only have title to your rights. Everything is pre-paid.

EXEMPTION – Freedom from a duty, liability, or other requirement. Black’s 7th


Some unintestinal act, omission, or error arising from ignorance, surprise, imposition, or misplaced confidence. A mistake exists when a person, under some erroneous conviction of law or fact, does, or omits to do, some act which, but for the erroneous conviction, he would not have done or omitted. It may arise either from unconsciousness, ignorance, forgetfulness, imposition, or misplaced confidence.                                        Black’s 4th

UCC 1-103 Supplementary General Principles of Law Applicable.

Unless displaced by the particular provisions of this Act, the principles of law and equity, including the law merchant and the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, bankruptcy, or other validating or invalidating cause shall supplement its provisions.

3- Can I get into trouble using a bill of exchange?

You can get into trouble crossing the street. There are rules for crossing the street and rules for using BOE’s.

BILL OF EXCHANGE – An unconditional order in writing addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money to order or to bearer. Sometimes called a trade acceptance. [Also called letter of exchange.] [Written order from A to B to pay C.]          Black’s 4

TRADE ACCEPTANCE – A draft or bill of exchange drawn by the seller on the purchaser of goods sold and accepted by such purchaser.                                                                                              Black’s 4

NEGOTIABLE INSTRUMENT – UCC 3-104(e) An instrument is a “note” if it is a promise and is a “draft” if it is an order. If an instrument falls within the definition of both “note” and “draft”, a person entitled to enforce the instrument may treat it as either.                                             Black’s 4

LETTER OF CREDIT – credit instrument issued by a bank {John) guaranteeing payments on behalf of its customer {JOHN) to a beneficiary {creditor), normally to a third party {creditor) but sometimes to the bank’s customer {JOHN), for a stated period of time and when certain conditions are met. Letter substituting the bank’s {John’s) credit for the credit of another party {JOHN),., {words added)- Barron’s Dictionary of Banking Terms, Thomas Fitch, Second Edition

BANK – An institution, usually incorporated with power to issue its promissory notes intended to circulate as money (known as bank notes); …                                                             Black’s 4

BANKING – The business of receiving money {charges) on deposit, loaning money {notes), discounting notes {100% discount), issuing notes for circulation {promissory notes), collecting money {exemption) on notes deposited (HJR 192), negotiating bills {acceptance), etc. {words added)                  Black’s 4

Written Rules:

  1. it must be unconditional
  2. it must be an order
  3. it must be in writing
  4. it must be addressed to another
  5. it must be signed
  6. it must order payment of a sum certain in money

Unwritten Rules:

  1. you must have authority to sign it
  2. you must have assets sufficient to back it
  3. it must be dated
  4. it must be a dollar for dollar sum certain exchange
  5. it must apply to an existing public debt
  6. it must be a non-cash item
  7. it is not collectable
  8. it is pre-paid
  9. it is an accrual item (always a zero balance – double entry bookkeeping)
  10. it must have a letter of credit to go with it
  11. know how to go all the way (just like crossing the street)

4- Can I get into trouble filing a UCC-1 against the straw man?

You can get into trouble for filing a false or fictitious claim.

If your claim is not false, there is no foundation for a false claim charge.

If you had no intent to file a false claim, there is no foundation for a criminal penalty.

If the claim is considered to be fictitious, you should have documentation to back up the filing.

Cause = choice not to document the support for the claim

Effect = false filing charge

FICTITIOUS – Feigned, imaginary, not real, false, not genuine, nonexistent. Black 4th

Parties on the UCC-1 form –

Debtor :                     JOHN

  • Must have name, address, and designate organization OR individual, and sometime have a number

Secured Party:      John [In Illinois both parties must be in all capital letters]

  • Must have name and address
  • Form must designate collateral and establish a value (but not necessarily a sum certain)
  • Form must be supported by a security agreement of some sort.
  • You have been signing for that debtor since it was created.
  • When you sign for the debtor, you are wearing an authorized representative hat.

Can a man be a secured party on a UCC-1 form without being a fiction?

Some say yes, and some say no.

It is not the form that is the controlling document. It is the security agreement.

“You can’t contract with yourself.” is a maxim of law, but you can sign the security agreement in different capacities – one being the trustee of the debtor trust and the other being you  .

This could be considered to be “self-dealing”, but can be overcome as there are no countervailing : equities that could serve equally to fulfill the intent and balance the respective obligations.

The security agreement should identify at least some of the collateral specifically.

Do not argue with filing officers. There are 6 UCC filing regions. [See Sample #.    1          ]

You can file in any state in the region where you want to do the filing.

John can be owed money by the debtor, even if the debtor is unable to pay.

John is substance. The debtor is fiction. The registry at the SOS is both in the republic and in the nation.

The debtor has no means to pay John even if the debtor receives public payment for work that John does not behalf of the debtor for an employer.

Every service John has supplied to the debtor since John’s birth, has been done without payment, but not without expectation of payment.

The debtor’s failure to pay John has resulted in an account payable in favor of John. [1041 form] lien form Cause – JOHN’S taxable activities Effect – tax return is due

Cause – John supplied labor and has not been paid Effect – there is a deduction for accounts payable

By filing the public form in the public registry, John could be considered to be a fiction also, but if there is no other way to give public notice of the debt that is owed to John, this is the choice out of necessity.

Filing a UCC-1 equivalent form in France would not make a German creditor a Frenchman.

It would just put the claim into the jurisdiction of France.

UCC-l’s give public notice that the secured party has a commercial claim, but not that it is in the commerce.

FRAUD – An intentional perversion of truth for the purpose of inducing another in reliance upon it to part with some valuable thing belonging to him or to surrender a legal right; a false representation of a matter of fact, whether by words or by conduct, by false or misleading allegations, or by concealment of that which should have been disclosed, which deceives and is intended to deceive another so that he shall act upon it to his legal injury. Black’s 4th

LEND – To put out to hire or compensation. Black’s 4th

The answer depends on where you are going to make your stand.

If you are going to use the Acceptance Method of settlement, no, there is no fraud.

It is just business in a system that has no money.

If you are going to use Conditional Acceptance and dispute the procedure, there may be fraud.

The procedural discovery will expose the wrong-doing without having to charge fraud.

If you are going to straight-out dispute the debt, you will have to claim fraud.

Fraud involves intent, which is difficult to prove.

The one who claims the presence of fraud bears the burden of proof.


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