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Home Blogs johnwade's blog

Keating conversation in it's entirety

Submitted by johnwade on Tue, 03/15/2011 - 16:32


Angela: Hello, everyone its Thursday December 9, and the end of the year is closing in on us
quickly tonight. We have a special guest. We have Jean Keating on with us tonight and he will
cover a lot of topics. He said he is going to cover tax law, commercial law, accounting law, trust
law, adverse claims and void judgments. He is going to touch on those and explain a little bit
about those and why we're not winning in our cases,

Hi, Jean, How are you?

Jean: I am fine.

Angela: Great, great to have you with us. For those that don't know you, would you tell us a little
about yourself, just a little intro, mostly everybody knows who you are but..ha, ha.

Jean: Well, I have been teaching for 50 years, I have been doing research for 50 years. I have a
degree in Commercial Banking Law and Commercial Law, and I understand the Uniform
Commercial Code; I understand Trust Law; all of these subjects are related. You have to
understand Tax Law, Trust Law, Commercial Law and Accounting. If you dont, you cant
understand anything that is going on, and that is part of the problem, when people go into court
they do not know what jurisdiction the court is operating under.

Angela: What did you discover about all of this, how are we doing it wrong?

Jean: These courts have two jurisdictions, they have a public side, which operates in commercial
and a private side which operates under the common law. And your courts of contract, if you
contract with them, theyve got jurisdiction.

Angela: How do you not contract with them?

Jean: Well, you make a special appearance, like I did. I did a Letter of Rogatory, and every time I
have done one, I have been successful with it. You have got to read 3-501 and 3-502.

It tells you how to do a conditional acceptance, upon proof of claim. You have to challenge their
right, and most of these people are making presentments on behalf of somebody else, and they
dont ever tell you what their authority is to do this. Thats what they are doing on these
mortgage loans, they are making a presentment on behalf of somebody else. They dont have any
authority to do that, but if you dont challenge it, they get away with it. You can kill all of these
mortgages at the administrative level without ever getting to court.

Angela: What do you do if you are in a state that is not judicial, they never go to court anyway.
What do you do in that case?

Jean: In Ohio, they will file a complaint against you.

Angela: I know but what about non-judicial?

Jean: Well, in non-judicial, they cant do a non-judicial foreclosure because it is a confessed

judgment The Deed of Trust contains a confessed judgment. That is where they get the power.
Go read the power of sale clause in your deed of trust. Are you still there?

Angela: Yes, I am listening to you.

Jean: When a loan goes into default, they have a right under power of sale to a confessed
judgment. In California, under 1131-1134 in the CA Civil code, you cannot do a confessed
judgment on a mortgage loan, unless the borrower has consented to it. And the means he has to
file an oath and order and has to be certified by an attorney. All these deeds of trust contain a
confessed judgment. That is number one. Number two, you are not dealing in a mortgage loan,
you are dealing with an investment contract and they are holding you liable on a contract to
which you are not a party. And that is the pooling and sourcing agreement, and under the Statute
of Frauds which is Section 1624 of the CA Civil Code, and in the Commercial Code it is Section
2201. The Statute of Frauds was designed to prevent the very thing that they are doing and the
Statue of Frauds is evidentiary and if you dont raise it, you waive it. And I dont know of one
person who has ever raised a Statute of Fraud as a defense; it is evidentiary. The landmark
decision on that is the Sea rest case. Because when you go to closing, what they are doing is a
loan modification, because they made you a party to a contract to which you are not a party to.
You are a third party contractee to the pooling and servicing agreement. The proof of that is
thats where your mortgage payments are going. Your mortgagee payments go to the investors as
a cash flow claim. They are not going to the servicing company, the servicing company merely
passes them on to the investor. Why are they giving them to the investor. Another thing that you
need to study is that you are dealing insecurities, not negotiable instruments. What you call a
promissory note is a security, as it has a maturity of more than nine months. All these mortgages
have 30 year and 20 year maturities. And if you read Title 15, Section 78 CA 10, any note that
has a maturity of 9 months or less is excluded of a security, because it is not a security, it is a
note. Where have you seen a security that has a maturity of nine months or less? You havent.

And they also, there is a disclaimer that is supposed to be in the credit application, Under Title
16, 16CFR 433.2, which says that the seller takes it subject to all the defenses and claims that the
buyer could assert against a transferee or buyer who buys it, or anyone who sells it. But they take
this out of all of these mortgage applications. None of these mortgage applications have that
disclaimer in them. That means there is no holder in due course. If you read the 3302 of the
Uniform Commercial Code, the holder in due course takes it free and clear of all claims and
defenses that the payor could assert against any payee or assignee or transferee. Well they dont
take it free of that, they take it subject to your claims and defenses.

What are the claims and defenses that you have? Well, number one, under UCC3305, you have a
claim in recoupment, which is a counter claim, and is the same language that is in Rule 13 in the
Federal Rules of Civil Procedure. Rule 13 says there are two types of counter claims; there is a
mandatory counter claim and a permissive counterclaim. A mandatory counter claim is a claim
that arises from the same transaction and occurrence as the plaintiffs claim. Nobodys filing a
counter claim; that is why they are running over you. You cannot be a creditor unless you file a
counter claim. That is under UCC 33-05. And your second claim or defense is UCC 33-06, which
says you have a proprietary and possesionary and property interest in the note and its proceeds.
And you have the right to rescind the negotiation of the transaction. Negotiation means the
endorsement of the note. They always endorse these notes pay to the order of.
Well, you have a right to rescind that negotiation, but nobody ever does it because they dont
read the Uniform Commercial Code.

I have been teaching for fifty years, and I have never found anyone in the community that reads
the Uniform Commercial Code. They do not read all these applicable statutes. When you are
dealing in securities, it is governed by Article 8, not Article 3, because what you call a note is a
security and it is a non-negotiable instrument. If you read the adjustable, and most of these sub
prime adjustable mortgages have an adjustable rate rider that goes with the note. The adjustable
rate rider, modifies the condition of payment UCC 3-106 D, it says it cant be a negotiable
instrument if it is subject or governed by extraneous documents outside of the promissory note.
They make it subject to the adjustable rate rider and the Deed of Trust.

I have a dozen cases that say all mortgage notes are non-negotiable instruments. Well, if they are
non-negotiable instruments, they are not governed by Article 3, they are governed by Jeanral
Contract Law, specifically restatement of the law, Second Series, under Contracts Section 164,
which has to do with misrepresentation, which means it is subject to rescission .But nobody ever
rescinds anything.

If you read 226.23 of TILA, Truth in Lending Act, or Regulation Z, thats 12 CFR, you have to
go into the electronic version, if you go into the appendix the have a form in there in Appendix
H, they have rescission forms, and they are called H-8 and H-9 n the appendix of 226.23. And if
the lender does not give you the right to rescind, they also have to give you the form to do the
rescission. Thats all in 226.23. Now in there it says that it does not apply to residential mortgage
loans, but you go down to Section H, that at foreclosure you have the right to rescind the loan
transaction if two things occur, there was no mortgage broker fee charged, and you werent given
the right to rescind and/or the form, those three things. They didnt give you the form which is
Appendix H-8 and H-9. So you can rescind the transaction when it goes into foreclosure. They
will tell you only have 72 hours, if they didnt give you notice, the statue of limitations does not
toll, until they tell you that you have the right to rescind, so you can do it at foreclosure. And
another thing, you are not in a loan transaction, you are in a investment contract; 4-102 under
Applicability, says if an item is includable in Article 3, it is governed by Article 8. Article 8
governs Article 3, why does it? Because you are dealing in securities. All these notes are
securities not notes or negotiable instruments, so Article 8 governs 3 and 4 and that is what says.
So what you have is a claim in recoupment or a claim under 3306 to the proceeds and a right to
rescind the negotiation and you have a possessionery and property right in the proceeds of the
investment contract. But nobody ever files a claim.

And if you read 8-505 thru 8-508, it tells you how to file a claim and the claim is called an
adverse claim and it is defined in 8-102 and defined 8-105, of Article 8. Nobody uses Article 8.
All these mortgage transactions are governed by Article 8, not Article 3 or Article 2. They are all
governed by Article 8, and you have a counter claim. You never filed a counter claim. That is
why when it goes into foreclosure, they file a 1099A, which says you abandoned your claim,
your recoupment, which is a counterclaim and your possessionery right to the proceeds from the
sale of the security under the investment contract, to which you were an undisclosed third party
and nobody understands that. You are an undisclosed third party to a contract under the Statute of
And if they are going to hold you liable to a contract where you are an undisclosed third party
and it has not been subscribed to by you or memorialized, then you have a right to the proceeds
from the transaction. And nobody files a counter claim going after the proceeds, and it tells you
how to do that. That is one of the reasons you are losing in court.

Another reason you are losing in court, is because none of these courts, and I mean none, do you
know what I mean by none? None of these courts have subject matter jurisdictions over land.
Only a land court, and in Florida the only land courts are your county courts. If you go into the
judiciary of the Florida constitution, and look up Article 5 section 20, it tells you which courts
have jurisdiction, and your county courts have jurisdiction over land, none of these courts. So

what you do is contract with people that don't have subject matter jurisdiction. None of these
attorneys, these Attorneys don't have been all have jurisdiction to represent anybody
and if you go read the dead man's statutes which date back passed under probate law, you're dead
man's statute were codified under rule 61 of the Federal rules of evidence and what it says is ti
goes to competency to testify. They are incompetent to testify on behalf of a dead person. Now
who is the dead person? Its all these corporations, they are all decedents. They're dead persons
because are not real and what the attorney does is you let them come in there and they start
testifying on behalf of all these banks. And if you dont raise the objections, that is the first thing
that I do. I am before this court by special appearance, without waiving any rights, defenses,
statutory or procedural. I put this admonition at the top of my pleadings, that way you dont wave
jurisdiction. Otherwise, you go in there and contracting with these people, you contract with
them, and when they rule against you, even though they did not have subject matter jurisdiction,
you gave them jurisdiction but not subject matter. But you have got to raise it. And nobody raises
subject matter and in persona. In order for the court to have jurisdiction, the plaintiff has to be
there and the defendant. You have to have both parties, real parties in interest that have standing.
Under Article 3, Section 2, standing is a threshold issue, and the court is supposed to address that
and they are not doing it. Some of them do and some of them dont.
So you have the responsibility to bring that up, because standing is a threshold issue. None of
these servicing companies that are foreclosing on all these loans, none of them have standing to
come into court and foreclose on your loan. The reason is, because they dont own the loans.
Who owns the security? The borrower does.

That is why in the Countrywide and the Kemp case, this woman who was an employee of
Countrywide, came in court and testified that none of the notes are transferred.
That means that all of these real estate investment trusts, which they call REITS, don't have the
notes, and April Charney, if you read her admonitions on this, says that they never transfer the
notes nor do they sell them, they keep the notes and the reason they keep them from is because
they dont own them, they cant transfer them. And if they did transfer them, they have to do
that to get the exemption or otherwise they have to pay taxes. If they dont pay out 90% of their
taxable income in interest and dividends to the investors then they have a tax liability and do not
qualify under section 862 and 852 of title 26 as a real estate investment trust, so they're in
possession of contraband so what they're doing is billing you for the tax that is owed, and
everybody goes in and nobody raises this issue because no one understands it. That's why every
mortgage is a tax issue. It actually involves two things, it involves an investment contract and a
tax and reason the tax comes into play is because they never transferred the security. They kept
these securities. So that means all these investors that bought these cash flow claims under the
pooling and servicing agreement and got worthless paper. That means there is a cloud on every
title and none of these notes were ever securitized. They know that for every security that means
every B5 prospectus and F-3 registration statement and 8 K current report is are all invalid that
are filed with the Securities and Exchange Commission, because the notes, the securities were
never transferred at the closing. All these investors put up all the capital and I have a law review

article written by David Levithin that goes into the ramifications of this. That means that all these
banks that allegedly financed all these loans will have to all the money back to the investors as
cash flow claims because never transferred, they bought something they never got. They paid for
all these notes or securities, and they were never transferred to them. So they dont own any of

So the banks are going to have to give, and there is not enough money in all of the banks to pay
these investors back. So what does that mean? You are going to have a put-back. This professor
who wrote this article went up and testified before Congress on the Sub Finance Committee
under Community Housing. He testified before Congress what was going to happen if Congress
doesn't do something. Now what are they going to do? It remains to be seen but I am telling you
what the ramifications of this are. China probably is going come in here and buy up all these
loans. Either that or they will bail out everybody; either that or they will confiscate all your
money in the banks. One of these two things are going to happen, just stand by and watch.

In response to the young lady that asked about the 1099 OYD, all these people that are going
around filing 1099 OIDs, 1096s, 1040, 1040 Vs, they are not filing 8281s. An 8281 identifies
who the issuer of the OID is under title 10 Section 78c a(8). That's a small c, a, parentheses, the
number eight, go read it. It identifies you as the issuer and because you didnt identify yourself as
the issuer, you don't have a claim. That's why it says in publication 1212 on page 2 that the 8281
form must be filed when you file the OYD. This is what happens when people don't read
anything, they are listening to what other people are telling them and people are not reading
these publications that's why the IRS publishes these publications as they tell you how to file for
an OID, original issue, discount, and tells you what forms you have to file. Also, if you read your
deed of trust and this is in every deed of trust under payments, which in almost all of them is
number 3, and go read it if you dont believe me. This is why mean by nobody reads anything.

People complain about all this lack of disclosure but they never read the deed of trust that tells
you what they're going and tells you that if there's any money owed at maturity, you can pay it at
maturity. So let me ask you a question, how can the note be in default if you have the right by
contract, the deed of trust is a contract, and you signed the deed of trust. How can they foreclose
on the note when you can make any delinquent payment at maturity on the note under the deed
of trust? So how can it be in default? Have you ever heard that before:


Jean: Read every word, every word, every sentence, every phrase is an unconscionable contract
and has clogging provisions in it. do you know what clogging is? Clogging provisions are
provisions that extinguish your equity of redemption. If they sell your security, how are you
going to redeem if they sell it to somebody else and give you the note back? Dont you always
have the right to redeem a loan? Thats war proofed its not a loan, its an investment contract.
Does anybody have any questions?

Angela: Yeah, hold on one second. Let me bring up the questions, Ohio? Go ahead Ohio, did you
have a questionOhio?????? Ohio, are you there?????

Jeff: Angela, I have a question for Jean. There has been another gentleman on the internet
recently talking about what he calls your ABCs and his name happens to be Patrick Devine. Are
you familiar with him, by chance?

Jean: Yeah, he is one of my students.

Caller Jeff: Oh, well, I think sure that he is probably dead on with whats going on and evidently
you must agree if you say he is your student.

Jean: I have not seen what he is teaching lately, so.I dont know what he is teaching.

Caller Jeff: Well it is going along with exactly what you're saying, is it possible that I can send
you some information for you to review?

Jean: Sure.

Caller Jeff: Fantastic, if I could get your email? If someone would type, Angela would you be
kind enough to type an e-mail in for me in the chat so I can send Jean some information and I
have another question.

Jean, you talk about a form, what was the form you were just talking about that must go in with
the 1099s OID it was an 88 something?

Jean: Form 8281, there are 3 forms. All you have to do is file the 8281, but you should read the
instruction booklet. There is an 8281, 8282 and 8283. I am suggesting you read all three of them.

Caller Jeff: Ok, now, another question for you..

Jean: Let me bring something to your attention, this is really powerful. In 1951, they past a law,
under title 26 section 2038, and section 2514 is called the Power of Appointment Act of 1951.
The donor has total power, every one of these mortgage loan transactions is a donor/donee
relationship, which means it is a Class 5 gift and estate tax under the 60 0209 decoding manual.
And if you go to the IRS website and download it, it called the IRS Processing Manual of 2010.
If you go there and read it, it tells you that all 1096s, all 1098s, all 1040s, all 1099s, all W-2s, are
you guys getting this? All W-2s, all W-4s are classified gift and estate taxes have nothing to do
with an income tax and everybody is filing 1040 forms. You don't report gift and estate taxes on
a 1040 form. Your report income on 1040 forms, which is number one. All Class 5 gift and estate
taxes are done on a 706 form or 709 form. The 706 form is the Jeanration-skipping transfer tax,
you should read the instruction booklet on a 706. I go into this stuff in my classes and we have
classes every Tuesday night and this is some of the stuff that I cover.

You have under the 709 form, which is a gift tax form, see there are two types of taxes,
Jeanration-skipping transfer tax which the 706 is for, and a gift tax which is what the 709 is for.
And if your read publication 950, you have a $3,500,000 unified tax credit.. That means if you
know anything about accounting, corporations use that $3,500,000 as money. Corporations use
tax credit as money. They actually would give corporate tax credits to banks and banks will loan
money on the tax credits. You have a $3,500,000 unified tax credit under publication 950 on all
estate taxes. You have a $1 million unified tax credit or exclusion on the gift side. And you bill
that, if you read the 709 Form, the Bill the Exclusion You Have a $348,000 is built into the
form., it is actually in the form. Now I know that none of you wage earners make than $340,000.
Now what is wrong with this picture?

Caller Jeff: So, okay First off Id like to say this, what Patrick talked about being very important,
every time you send in your 1099A for acquisition or abandonment that you have to send in a
form 56.

Yeah, point of fiduciary.

Caller Jeff: Is the form 56 and is form 8281, are they somewhat maybe similar?


Caller Jeff: Okay.

Jean: See the 8281, identifies you as the issuer of the OID

Caller Jeff: Okay

Jean: That is why they are penalizing people on these OIDs.

Caller Jeff: Okay, if you would here for me. I go back to McFaddenss speech on the floor of the
house back in the 1930s, and he says, Mr. Speaker, if this bill becomes Law, a Scottish distiller
will be able to draw up his bill and present it to the Federal Reserve Window and have his money
before he ever produces the whiskey. I didnt write that but that is what is says. Then that means
each and everyone of us is running a corporation, we on this send tend to call that the
strawman, but its a business and we have the ability to draw up our bill and send it to the
Federal Reserve Window and get our money every year before w ever start doing business, for

our particular business that we might call EUJEAN KEATING, OR ANGELA STARK, or
whatever, am I wrong sir?

Jean: No, you are absolutely right and I can show you how to do that.

Caller Jeff: So every single one of us, of us have the power individually, individually without
getting involved in a big group, if just learn to run our banks, we have the ability to take back
and inherit what the Bible might call the Kingdom of God. Would you argue with that?

Jean: You are absolutely right.

Caller Jeff: Okay, So what the wizard told Dorothy in the Wizard of Oz, was all she had to do
was click her heels together, that the remedy has been with you the whole time. Do you agree
with that?

Jean: Yes, it is.

Caller Jeff: I tell you what I would love to see, sir, I would love to see you and Patrick get
together, it sounds like he issuing you information, and strengthen this thing so each and
everyone of us can probably find our remedy because its been withheld from us for years and
years and because my people are destroyed from lack of knowledge. Do disagree with that?

Jean: Nope.

Caller Jeff: Thats fantastic!

Jean: We have special drawing rights on the IMF, did you know that?

Caller Jeff: Well that sounds tome like what Im saying is thats all we need to do, or I know you
can go to the Small Business Administration today, my folks did it in their business and you can
present a plan to them and they will fund the plan. I just never realized they were doing is taking
your social security number as the account number and they are going thru there and funding the
thing because we have that right because as we are creditors to the corporation.

Jean: Thats right, all these corporations are debtors in possession, under a Chapter 11

Caller Jeff: And each and every one of us are the creditors to the United States. Am I correct sir?

Jean: Yes.

Caller Jeff: Okay, each and everyone of us have had our remedy and were sitting around
bitching, moaning and complaining and crying about what Obama and all these people were
doing and it does not mean dittley-squat to us. Everyone of us has our remedy right this minute,
and it is as easy as A, B, C. 1099As, Bs and Cs and if you know how to use them, you can run
your whole bank cause it says each of us are bankers under Title 31, so we all have our remedy,
we just have to quit being stupid,, am I correct?

Jean: Amen.

Caller Jeff: Okay, I am going to get off the call and let someone else talk. Thanks you for your
time, and thank you Angela.

Texas: I did a 1099 OID for the last four years, 2006, 2007 and 2008, you said I need to fill out a
form 8281. How do I fill out the form for a checking account or savings account, which is all I
did it 1099 OID, was my money of equity

Jean: You need to read Sections 1271 through 1288 of Title 26. Everything is an OID, because it
is a public debt instrument.

Texas: Okay. So, like I am looking.

Jean: When you write a check, you are creating a public debt instrument.

Texas: Right.

Jean: Your issue it as an Original Issue Discount, or a withdrawal.

Texas : On this 8381 form they have a cusip number.

Jean: Thats why all you guys are doing it wrong everybody that is doing a redemption is doing it
wrong. When they send you a bill, do you know what they are doing? Do you know what the bill
represents that they send you?

Texas: A presentment? I dont know.

Jean: It represents the amount of your credit that they are using.

Texas: Right.

Jean: Okay, you have to file a tax return and assess the tax. That is why you didnt redeem the
debt because you never assessed it. Because it is a tax. And you are the only one that can assess it

because it is your credit they are using. If you dont report it as income to the IRS, how is the
IRS going to give you a refund?

Texas: So that is where a 1099 OID comes from, and then I report it as income?

Jean: Yeah.

Texas: Okay,

Jean: You do a pay order on the bill. Pay To The Order of Department of the Treasury, charge to
the sum said, to the person who sent you the bill, the utility company. You say put to the credit of
your account and put your social security number there.

Texas: But that is fine for A for B?

Jean: Well its not A for B, its a money order.

Texas: Okay.

Jean: You are paying the tax to the IRS and then the IRS can turn around and bill the account of
the person that sent you the bill. You are not doing that so they are billing you for it. You are
double dipping. They go into your account and get the money and then they send you the
coupon, which is a check. You never used the coupon, you sent it back to them, then they take
the coupon and they keep these coupons. And they are a check, plus the check you sent to them,
you paid them twice. They are getting paid twice for every transaction they do with you.

If you dont think that is what is going on, you are going to be in for a rude awakening. They
assessed an $80,000 fine on me, the District Court did, I did a Pay to the Order Of and I never
heard from them again. They have to pay the tax on $80,000. Remember every bill is a tax bill.

Texas: Okay. So you said I would take each bill that they would send to me, do a Pay to the
Order Of, and I send it to the IRS?

Jean: You send the original to the IRS and send the original to the person who sends you the bill,
along with 1040V, a 1040 and 1096, and an OID.

Texas: A 1040?

Jean: Yeah. You put that in there as income.

Texas: Okay

Jean: And you are reporting it to the IRS as income.

Angela: How many 1040s do they say you can file in a year, Jean?

Jean: Well, it depends on how many transactions you have.

Angela: So you can only do one 1040 a year.

Jean: You can wait til the end of the year and put all your transactions on one form.

Texas: Okay, I need to look at it again, it sounds pretty simple, but there is a lot of stuff.

Jean: You have to see the end, what is going on. Its your money they are using and you are not
reporting it.

Texas: Right.

Jean: Who keeps track when you write a check, dont you keep a record of the check you wrote?

Texas: Yes, right, I do.

Jean: Okay, how, who balances your checking account, you do?

Texas: Right.

Jean: Okay. Well the IRS cant balance your account, credit account, unless you file a return
reporting the income. You have to do it because it is your income.

Texas: Right. Okay in my case where I have already filed a 1099 OID and now the IRS is
coming back to me saying I have to correct what I did, or I will get a $5,000 penalty

Jean: You write Pay to the Order of on their bill. Did you know the IRS has a DUNS number?

Texas: Right, I have heard that before.

Jean: Well, its true, I have their DUNS number. I know what their DUNS number is.

Texas: Okay,

Jean: What they are doing is trying to find out if you know what you are doing or not. Every one
goes into pantie palace. Oh my God, the IRS is after me.

Texas: Ha, ha.

Jean: Its time to run for the hills.

Texas: Right.

Jean: They are testing you to see if you know what you are doing. They sit on it, If they dont do
anything, they are telling you that they are double dipping.

Texas: Okay, do I still send in the 8281 in this case since I have already sent them and 1099

Jean: Yeah, I would fill out an 8281 and send it in. You are not an issurer unless you file an 8281,
cause the Publication 1212 says you must, must means mandatory. Must file an 8281. I bet there
is not one person who knows what an 8281 is.

Texas: Right.

Jean: Thats because nobody is reading anything, everybody is going around listening to what
everybody is telling everybody. They listen to Winston Shroud, Gordon Hall, Jack Smith, Tim
Turner. Nobody goes out and does any research or reads anything. Thats why they dont know
what is going on.

Texas: Okay.

Jean: These courts, none of these courts have jurisdiction to do anything. They are not courts
they are privately owned trading companies. And I dont go in there and contract with them.

I make a contract with them on the private side and I control it by judicial acceptance. If you do a
conditional acceptance right, you can blow them out of the water. I stopped a $60,000 car loan,
by writing a letter to the judge. He not only took the case off the calendar, he dismissed the
motion for default judgment, and he motioned for a writ of possession. Dismissed both of them
and took the case off the calendar.

Texas: Okay. All right.

Jean: You are going in there on the public side with courts that have no jurisdiction, even though
they dont have jurisdiction, you are contracting with them and you give them jurisdiction by
contract. They can contract with you. I dont go in there and contract with them. Where is your
authority? Ill accept that on proof of authority, whats your authority for making a presentment
of somebody else? And 99.9% of these people are making presentments on behalf of somebody
else. And these banks on a mortgage foreclosure, when they make a presentment, do they ever
send you the note? Did you know that they have to present the instrument, too? They have to
telol you their authority of making the presentment on behalf of somebody else, and they are all
doing it, but they have to give you the instrument. They have to exhibit the instrument. You
never make then exhibit the instrument?

Texas: Nope.

Jean: Did you know if you get the Abstract of Title and I think the title companies are holding
these, that the loan was paid in full at closing, it actually says that, they are called title papers.

Texas: The title company has those?

Jean: Yeah, the Abstract of Title, which is the record of the deed and the notes and all of your
loan papers. Who is using these and keeps a record? The title companies have all of this.

Texas: So I would ask the title company for the Abstract of Title?

Jean: Yeah, tell them you want to know who is holding the insurance policy on errors and
omissions. Did you know you have an errors and omission claim on all these mortgage loans?

Texas: No.

Jean: Did you know under RESPA, they cannot take any kick back on any federal mortgage loan,
and all of these loans are federally funded. They call them mortgage loans, so I am calling they
what they call them. But they are really investment contracts. But they violate RESPA, and that
is an errors and omissions claim, which you can collect on.

Texas: Okay.

Jean: You need to come to my class on Tuesday night. We have more classes and on Tuesday
night I go into all of this stuff.

Texas: Right, right. I will be there. Uh, but as far as this 8281 for that cusip number, do I put in
my social security number, the issue date, the maturity date, and type of instrument. I am looking
at the fields, and go okay, how do I actually fill them out, you know.

Jean: You mean the 8281?

Texas: Yes.

Jean: Well, let me pull one up here. This is how you identify who the issuer is.

Texas: Right.

Jean: And you are not doing that. Information Return for Publically Offered Original issued
Instruments. You know what UCC 4A104 says?

Texas: Whats that?

Jean: You know what UCC 4A104 says?

Texas: No

Jean: It defines what an originator is, originator of the first funds transfer.

Texas: Okay.

Jean: When you read UCC 3105, it tell you who the issuer is. It tells you under Subsection A, it
defines what the issue is, that is the first payment order on a funds transfer. Number C defines
what issuer is. And it says an issuer is the drawer and the maker, now if you have got a
mortgage and you signed the mortgage note, you are the issuer by legal definition. Does that tell
you anything? What did you sign? You endorsed a security, well dont you have a proprietary
interest in the sale of that security since they are making you a party to the investment contract?

Angela: Absolutely.

Jean: Well, so why arent you claiming it?

Angela: We will be now. Ha, ha.

Texas: Right?

Jean: Do understand why people are not winning in court? That is an Article 8 claim, adverse
claim. Go look up what an adverse claim is. Here, I will read it to you. Let me pull up the UCC
and I will read it to you and you can see how this thing works. This is what I go into in all my
classes. I am giving you manna, manna from heaven.

Texas: I thought manna didnt have any taste to it.

Angela: Ha, ha.

Jean: Well, this doesnt, ha, ha. Ha. This all manna. I am going into the definitions. It says an
adverse claim, this is UCC A-102, Subsection A-1, means a claimant has a property interest in a
financial asset and that is a violation of the rights of the claimant for another person to hold
transfer or deal with the financial asset. Okay now go down to the A-102, Subsection 9, a
financial asset is a security, youve got a property interest in a financial asset, is that
not what 3-306 says? Property interest? And when you go to 8-105, it says a person has notice of
an adverse claim if the person knows of the adverse claim. Dont you think they know that you
have an adverse claim? So they already had notice of it at closing. Arent they aware of facts
presented to indicate there is a significant probability that the adverse claim exists? And
deliberately information that would establish evidence of the adverse claim? Dont they have a
duty imposed by statute or regulation to investigate whether an adverse claim exists? Dont they
have knowledge that a financial interest or asset therein has been transferred?

All this in 8-105, and then you go to 8-505, it tells you how to file the claim. Oh, they are going
to love me.

Texas: Right.

Jean: This is what you call love at first sight.

Texas: Well I am going to have to listen to this call again anyway.

Jean: You funded the whole thing. If you read on the internet, they have an affidavit written by
Dave Garfield, and he goes into this whole thing. There is one thing he is not correct on, he says
the money came from the investors, on a pay-forward. In other words, before they ever had a
borrower in place, they had the capital so that the investors would put up the capital for these
REITS before they ever had a mortgage loan. But they did it on the condition that you put up a
security, does that not make you the creditor? Wasnt the capital that the investor put up
predicated on the security that you gave to the servicing company at closing?

Texas: Right.

Jean: You bet your bippie it was. So didnt you give them the instrument or the capital for the
investors money? And wasnt the pay-forward done by the investors before there was ever a
loan in place?

Texas: Yeah, but the investors money really did not go to my security, what it went to was the
bankers to buy insurance and credit defaults and to fund the pool so they can pay back the

Jean: Yeah, but they put that capital up based on your security that you issued. That gives you a
proprietary interest in it. You own the securities from this pooling and servicing agreement and
from the trust fund, what would they have, nothing.

Texas: So they did not have the right to the investors money, unless they have my security.

Jean: Thats right. They would have never put the capital up in the first place unless they were
guaranteed a capital from the borrower. So the borrower has a proprietary interest in the proceeds
from the security, but you are not making the claim. And that is why they put the disclaimer in
CFR 433.2, go read it. Make it subject to all the defenses and claims that you can assert against
the seller. Well, they cant be a holder, because a holder takes it free of all defenses and claims.
So, they are not holders in due course. Well if they are not a holder in due course, what does 3305 say? Lets go read it.

You wonder why you are losing in court? Read 3-305.

Texas: Because we are not treating it as a contract.

Jean: Defenses in claims and recoupment:

Angela: Recoupment?

Jean: That means counter claim, go look it up?

Angela: Yeah

Texas: Okay. Definitely have to listen to this call again like I said, go thru all this stuff.

Jean: If you read 3-305C, it says an obligor is not obliged to pay the instrument if the person
seeking the enforcement of the instrument does not have the rights of a holder in due course.
What does that tell you? If they are taking it subject to your claims and defenses, are they a
holder in due course?

Texas: Right, oh, No!

Jean: Does it say you dont have to pay it?

Texas: Right?

Jean: So why are they foreclosing on your property if they are not a holder in due course?

Texas: Because they are stealing the property.

Jean: Because you are not raising the defense, thats why. And you are not in a land court. You
are in a private owned trading company.

Texas: Privately owned trading company, okay.

Jean: In California, do you know where the courts are in California? Go read your Constitution. I
have not looked it up yet, do they have county courts in California?

Angela: Yeah, they do.

Jean: Okay, do you know where they are located?

Angela: I would assume in the same place where you fight tickets and things like that?

Jean: Those are the only courts that have jurisdiction over land. None of these other courts have
jurisdiction over land, people go in there, and these courts are running over them.

Angela: We have a lot of people in line with lots of questions, shall we move on?

Texas: Okay to recap the 8281, I am still not sure how to fill it out.

Jean: It depends on who the issuer is.

Texas: So I dont need to fill out every line?

Jean: Let me go over it real quick. Hang on!!

Texas: Sorry everyone, I know you are waiting but..

Jean: This applies to everyone, not just you.

New Caller: Sorry to interrupt but is my hand raised?

Jean: I cant see your hand.

Angela: I dont know, no it is not raised. Ok, now it is.

Jean: Ok, I can see it. Let me get this 8281 out there. Ok, here it is. My hamster is going to have
a heart attack. I have a computer that runs off a hamster.

Angela: Yeah, right.

Jean: That is what powers my computer.

Angela: I would like to see that.

Jean: The last couple of weeks he had a heart attack.

Angela: Oh, poor thing.

Jean: I had to resuscitate him. I said, dont leave me now! Ha, ha

Texas: Did you have to use a straw or something?

Jean: Because if you do it is going to be an abandoned property.

Angela: Ok, have you pulled up the form yet?

Jean: Yeah, I had it here and then I closed it up. Ok, here it is Form 8281 Information Return
for Publically Offered Original Issued Discount.

Angela: What is the number of this form? A 8281?

Jean: Yes.

Texas: Is it true that the applications for a checking account or a mortgage, they put a cusip
number to that?

Jean: Sure, if it is traded, it has to have one. Because that is how they identify. Do you know
why? Because is it is a security.

Texas: Yes, that is right. How do I find a cusip number?

Jean: Show me a promissory note with a cusip number. None of them have cusip numbers. Only
securities have cusip numbers. What the hell is going on here, it is not coming up, not opening

Texas: So maybe we have to find a cusip number from my checking account, or whatever, they
probably wont give it to me if there is such a thing.

Jean: You can give the EKC your social security, go to a broker and give them your social
security number and say I want to know what my cusip number is. He can tell you in thirty

Texas: From my checking account.

Angela: Go where and ask who?

Jean: Any broker, give him your social security and he can give you your cusip number. I dont
know what is wrong with this.

Texas: Isnt there a maximum that can be insured with a checking account, like $250,000, so
maybe that is an amount that can be used for a cusip number, I am just talking out loud.

Angela: Ok, Jean, it is taking to long, you know what?

Jean: Ok, here it is I have it open. You have the issuers name, 1A, the issuer is you. The issuer is
tax payer identification; do you know what that is?

Texas: Social security?

Jean: Yeah, then you put your address in 1B. Put the city in 1C. Put the state in 1D, put the state
in 1E. It says, name of representative, it says see instructions, read your instructions on this. Then

you put the address in 1 C, address of the representative. I think that would be your broker. Then
the city-- put the city, state and zip code. Debt instrument information it says, then you have a
place for the cusip number. Ok, what type of instrument is it? It is usually a fixed rate, or variable
rate, which is an adjustable rate. And what was the issue price that is the amount of the mortgage.
You see where it is going with this? What are the interest payments due? What is the OID for the
entire issue, what is the yield to maturity? That is the date that the value or estimate of maturity.
It tells you that, take 30 times your payments and you will have that. Description of the debt
instrument, well you know what it is, it is a security, financial asset.

Texas: Right.

Jean: You can quote 8-102, Subsection 9, financial asset.

Texas: All right, I will go ahead and research, it does not help me with my checking account; I
will have to figure out what to do with that. Thank you.

Angela: Thank you. Go ahead, Jean.

Jean: When you report your withdrawals, those are debt instruments. Report that as a debt
instrument. That is an original issue.

Texas: Okay.

Jean: Description of debt instruments.

Texas: The cusip number---- is that my social security number, I dont know.

Jean: Call any broker, give him your social security number and ask for your cusip number. They
get in it in 30 minutes.

Angela: Just like that, I want to know what my cusip number is?

Jean: Yeah.

Angela: They will know what you are talking about?

Jean: Yeah, tell them you want to track a bond and you dont have the cusip number. Give them
your social and say I want to know what my cusip number is. I have the social for this
transaction, but not the cusip number. He will say I will get it for you in 30 minutes. I have
already done this.

Texas: I will have to try this.

Angela: All right. Thanks a lot Texas.

Texas: Okay, thanks Angela, thanks Jean.

Jean: You are welcome.

Angela: Hey, Mitsy! Oh, that is right, Nancy was waiting, she was first but did not have her hand
up okay, she will be next, go ahead, Mitsy.

Mitsy: Ok, I have a brother who has a mortgage, and he is in the last week of the redemption
period, he has one week exactly tomorrow night. What would you recommend?

Jean: Redeem what mortgage?

Mitsy: They had a sheriffs sale on him already, and Minnesota has a 6-month redemption.

Jean: And, you are into what?

Mitsy: He is 5 months and three weeks into the redemption period, and Friday next week t hey
could have the sheriff escort him out.

Jean: Has he done a UD?

Mitsy: No.

Jean: What state are you in, are you in a judicial state or non judicial state?

Mitsy: Minnesota, is non judicial.

Jean: Well they do a UD to get you out of there. They dont just come out and throw you out.
They do an unlawful detainer.

Mitsy: Okay.

Jean: Based on a landlord/tenant agreement. How does the trustee get.uh.see you dont have
any claim going, that is why they are throwing him out of the house. You havent filed a claim.

Mitsy: How does he go about doing that?

Jean: Go read 8-505, and 8-508.

Mitsy: Okay, on what?

Jean: Who the broker is or the clearing corporation. And you have to send them a written
communication; this might be a good time to go into that.

Mitsy: I appreciate any help, ha, ha, has. I can see what I can do with the forum.

Angela: Jean?

Jean: Yes?

Angela: Are you going to go any further with that?

Jean: Yes, going into the UCC.

Angela: Okay, let me know what is happening here, ha, ha.

Jean: What it be like?

Mitsy: Here we have the Torrens System, in Minnestota.

Jean: Torrens Land Registration System?

Mitsy: Yep.

Jean: Ok, 8-505, says duty of securities intermediary with respect to payments and distribution.
Securities intermediary shall take action to obtain a payment or distribution made by the issuer of
a financial asset. You know what I would do if I were you?

Mitsy: What is that?

Jean: Rather than doing that, I would find out who the title insurance company is, find out who
the errors and omissions carrier is, and tell them you want to file a claim. You want to shut this
thingtell them you want a release of lien, and a reconveyance, on the property because of the
errors and omissions claim. The title company has the authority to do a release of lien and a
reconveyance. In California, it is 29-41.7. It says if you cannot locate the beneficiary of record,
or the lender, which you cant because of the securitization, then you can ask and in 30 days they
have to give you a release of lien or a reconveyance. The trustee does. And you can go to the title
company and ask them, tell them you want a release of lien and a reconveyance because of the
errors and omissions claims you have, otherwise you are going to bring a claim, and tell them
you want a form for it.

Mitsy: Okay.

Jean: Under 2607 A, Title 12. Go read it.

Mitsy: Okay, okay.

Jean: That is what I would do, they will call the title company, because they are the ones who
said the title was free and clear with no encumbrances. They guarantee title, and they are liable if
there is any cloud on title. Let me know what happens.

Mitsy: Do you have like a Tuesday talk show? I came in late and missed things with what I was
doing here.

Jean: Yes. It is a webinar.I go into the Uniform Commercial Code, just like I am doing now.
Go to toby.butterworth on Skype, Angela has the information.

Angela: Yeah, I made a page, if you go into the homepage link, upper right corner click on Jeans
name, go into the links and open a page there, and it has all the links and information on how to
sign up for his classes, and so forth.

Jean: I go into the Uniform Commercial Code, just like I am doing now.
I go into trust law, talk about accounting and tax law. Looks like I am jumping around, that is
because all of this stuff is related. Tax law is related to the UCC, and the UCC is related to trust
law and trust law is related to accounting. All of this stuff comes into play.

Angela: I just put the link on the chat if you are interested.

Jean: Anybody interested in a class sign up. Angela has provided a link, and I willshow you how
to win anything in court, anything.

Angela: On Tuesday, it is going to be from 5:30 to 8:30 or whatever, yes. After you send the
$25.00 thru the Paypal, Toby will send you a link and password information to get on the

Mitsy: Ha, ha, talk show just booted me off the screen..ha, ha, your chat is blocked too.

Angela: Dont you just love it? Just go to the website, And when it opens,
on the right, you will see the announcement for tonights call. It says click here, click on that, and
that will open another page, and that will show you the links and the Paypal information. Its
Toby.Butterworth, that his Skype ID, and dont give out his phone number. I guess last time Jean
gave it out.

Jean: Yes, he got 100 phone calls.

Angela: He told me to ask you not to do that.

Jean: Okay, ha, ha.

Angela: All right.

Mitsy: Thank you very much, Jean.

Jean: You are welcome.

Angela: Okay, we will go with Nancy, she has been waiting, go ahead Nancy

Nancy: Okay, great. I have some tax questions?

Jean: You do?

Nancy: About the promissory note, I have not written promissory notes..

Jean: Are you a tax protester? Are you in possession of contraband?

Nancy: You mean if they have sent me something and I have not sent it back?

Jean: If you didnt assess your tax, you are in possession of contraband. And you are a naughty
little girl.

Nancy: Wait a minute, you mean if I didnt file a return?

Jean: Yes, you have to file a return. That is what an assessment is.

Nancy: Yes, but that is a self-confessed, yeah.

Jean: No, it is an assessment. That is how you assess the tax. How is the IRS going to give you a
refund, unless you report the credit that these people are using. See nobody is doing redemption
right. That is why you are not winning in court.

Nancy: I dont want to win in court, I want to win before I go to court.

Jean: Well, you can do that too. I have done it out of court.

Nancy: But if I get a bill from them, why arent they taking my promissory note?

Jean: Why are you sending them a promissory note? The bill is a check.

Nancy: Well how do I get my money back?

Jean: Endorse the bill, and Pay to the Order of Department of the Treasury, Timothy Geitner,
Governor of the International Monetary Fund. The sum said to the account of whoever sent you
the bill. Do a charge back. Pay it to the IRS, that is the return, then you do a charge to whoever
sent you the bill, then you say credit the memory of my account and give them your social, of the
amount, then put the amount down. So what you are doing is charging it, you are paying it to the
IRS, then they are doing a charge to the account of the utility company or whoever sent you the
bill, they credit it to the memory of your account. That is how you do a redemption, that is the
proper way to do it.

I wrote out a check, an international bill of exchange on a napkin, and they gave me a receipt for
it. What does that tell you? Thank you for your payment. I wrote it on a piece of paper, actually a
napkin. I drew it on a napkin, and wrote it out.

Nancy: Okay, I have seen a lot of people put in prison because of international bills of exchange,
maybe they are doing them wrong.

Jean: Yeah. That is your first clue.

Nancy: Ha, ha. That they have been put in prison I guess.

Jean: Yes, because they didnt pay the tax. You cant create debt instruments.

Nancy: All right. If you are using an International Bill of Exchange to pay a bill, then what?

Jean: Well, you are not using it to pay a bill. I take their bill and convert it into a money order.

Nancy: Yeah.

Jean: That is what the coupon is. Do a Pay to the Order Of on the coupon, send it to the Chief
Financial Officer, say pay to the Order of US Department of the Treasury, Timothy Geitner. He is
the Governor of the International Monetary Fund, he is not the Secretary of the Treasury. You
know who Secretary of the Treasury is? Mandez Torez, Puerto Rico. They moved the
Department of the Treasury to Puerto Rico in 1921.

Nancy: Okay, but I have gotten coupons and I have written a money order, payable to the
Department of Treasury, and they have had no effect on any so called debt the IRS has.

Jean: You got a bill from who?

Nancy: The IRS.

Jean: Okay, and what did you do with the bill?

Nancy: I filled out the coupon, Pay to the Order Of and set it back to the IRS.

Jean: You mean you charged it to the IRS. They are using your account.

Nancy: So you say charge to the IRS instead of your social security number.

Jean: No, you charge it to the IRS, whoever sent you the bill is who you charge it to.

Nancy: Okay, so you have to make it Payable to the Department of Treasury, charge to the IRS.

Jean: And credit the memory my account number and put your social in there as your account

Nancy: Okay.

Angela: Credit the memory?

Jean: Yes, credit the memory of your account.

Nancy: Okay, so first you have to file a 1040.

Jean: Let me ask you, how are you going to pay them when there is no money?

Nancy: Ha, with another debt instrument.

Jean: Well, the bill is a debt instrument.

Nancy: Yeah.

Jean: They are sending that bill, which is a check.

Nancy: I have always heard that but I was never able to figure out how to get any money out of

Jean: Well, I do this all the time.

Nancy: Well, that is wonderful; I want to know how to do that.

Jean: Okay, do you still have your hand up?

Nancy: Yeah, because I still have to file a 1040 first, that is what you are saying.

Jean: Yeah, you have to file a 1040 with that and report it as income. Then you have a 1040 B,
which is a payment voucher. Then you fill out a 1096. If you cone to my class on Tuesday, I will
show you how to fill it out.

Nancy: Wonderful, is that $25.00 each Tuesday?

Jean: Yes, each Tuesday.

Nancy: Okay.

Jean: I am the only one that is teaching this, the only one.

Nancy: I really have to figure out this IRS stuff because it is eating me alive and they have a
huge levy on my retirement.

Jean: Yes, that is why they have a levy on you is because you have not assessed the tax.

Nancy: All right, so if I did it before Tuesday, because I am in a bind, if I do some 1040s, and
1040Bs, and 1096, I can learn more on Tuesday to finish this off?

Jean: Yeah.

Nancy: Okay, thank you very much. Thank you, Angela.

Jean: You are welcome.

Angela: Okay, see you Tuesday for sure. Lets see here, Granny?
Do you have a question for Jerry, oh my God, I mean Jean Keating.

Granny: Can you hear me?

Jean: Yes.

Granny: I have a question, but maybe it is not a proper one. Is there anything you can tell me
about 501 C 3?

Jean: Yes, it is a charitable trust.

Granny: Right. The organization that I belong to, we just lost our 501 C status due to paperwork.
Is there a way to retrieve it?

Jean: Yes.

Granny: How do I learn that? Ha, ha.

Jean: Come to my class on Tuesday.

Granny: Okay.

Jean: First thing is a charitable trust. How can you make a profit when there is no money?

Granny: What do you mean?

Jean: Well, isnt everything a donation?

Granny: Yes.

Jean: I made the mistake; I went to a guy in who was the top gift and estate tax attorney in the
United States. I said, what would be my tax liability if I made a donation to the county. I didnt
tell him I had a mortgage loan, I told him I made a donation of property to the County, what is
my tax liability?

He said, under 2055, you can deduct the entire amount. It is 100% tax liability. See you are not
reporting it as a donation, so you are not getting your deduction. Treat it as a donation.
Remember all monetary transactions are donations.

Granny: I think I am lost with what you are talking about.

Jean: What is your unified tax credit? Go read publication 950. Want me to pull it up or read it to

Granny: I dont think a lot of people have an interest in it, but, when I say due to paperwork, I
mean it was not filed timely, so they threw the 501 C out.

Jean: Okay, the IRS did?

Granny: Yeah.

Jean: I would refile it then.

Granny: Well, we can, but that it going to cost money.

Jean: How much is it going to cost?

Granny: I dont know, I havent gotten that yet. I was trying to look that up on the IRS site, but I
couldnt find it, so I have to call and see what it costs. I think it quite expensive, several hundred
dollars, I believe.

Jean: Send them a money order.

Granny: Pardon?

Jean: Let them send you a bill and then do a money order on it.

Granny: On whose account?

Jean: Well, if you do a money order, if they send you a bill, endorse it for payment. Remember
those are money orders, they are using your credit.

Granny: Okay, whose credit?

Jean: Yours! They are sending you a bill, which means they are using your credit. The bill
represents the amount of your credit that they are using.

Granny: Yeah, but I dont have anything to do with it, I am just an officer in the organization.

Jean: Well, whoever is doing it, it does not have to be you. It does not make a difference who it

Granny: All right, boy are you losing me. Are you saying somebodys individual account?

Jean: You do not understand when you get a bill from somebody; I dont care who it is, utility
company, trash company, dumpster.

Granny: Right.

Jean: Electric company, IRS, they are using your credit, because they are all bankrupt.

Granny: Okay, I understand that but the 501 C has not credit anywhere, right? It does not exist?

Jean: Yeah, but I am telling you it does not have anything to do with a 501 C 3. When they send
you a bill you said it was expensive to get a 501 C3. If they send you bill, you can do a money
order on the bill. Endorse it for payment and send it back to them, that constitutes payment.

Granny: Whoever do they send the bill to? Right?

Jean: To the IRS.

Granny: What I am saying is that they may not send her the bill. She is just a third party in this
whole thing, they will send the bill to the person who actually held the 501 C3.

Jean: Then they have to do it. Whoever they send the bill to is whose credit they are using.

Granny: They are not sending a bill to any body. I am the Treasurer of the organization.

Jean: The IRS doesnt send you a bill?

Granny: No. The IRS didnt send us any paperwork, that is why we didnt get it filed on time but
they dont care, they are throwing out the 501 C3 out. And they threw us into a category of a

Jean: Then resubmit. I am responding to your admonition regarding setting up a 501 C3, and you
said it was going to be expensive. Have them send you a bill.

Granny: Who?

Jean: Whoever is asking you to send the 501 C3. Say, send me a bill.

Granny: Okay, what if they dont do that?

Jean: Then you dont owe them anything. Do you owe anyone anything if they dont make a
presentment? In order to charge, if you owe me money, dont I have to make a presentment to
you to be able to charge you?

Granny: But we dont owe them money. If we submit an application, we have to submit a fee for
the application.

Jean: Well, if you dont owe them money, tell them to send you a bill with the application.

Angela: OkayI think we need to move on, I dont think you are understanding.

Jean: Well, they have to send you a bill.

Angela: Yes, on the 501 C3, they are going to send you a bill for it because you have to pay for
it, right?

Jean: Right, yeah?

Granny: You cant send in your application in without sending the fee.

Jean: Well how much is the fee?

Granny: That is what I am saying, it is several hundred dollars.

Jean: The amount of the bill, how are you going to send it in if you dont know how much it is?

Granny: I am going to call them today and ask them. But you cant send an application without
the fee with the application.

Jean: Tell them to send a bill along with the application. And you will send the money in when
you return the application.

Granny: The application is on line.

Jean: The application is what?

Granny: On line. My original question is there a way to save the 501 3 C that they just cancelled?

Jean: Well they probably want you to resubmit it. You said they cancelled it because it was not
filed timely?

Granny: Right.

Jean: Well, I dont know that much about 501 3 Cs. Just resubmit it. Tell you to send you a bill
for it and I will show you how to do a money order.

Granny: Okay.

Angela: Okay, alrighty. Ok, we have Maggie in Arizona.

Maggie: I am going to go down a little different path, I just want Jeans take on something and I
will try to summarize as best I can. I bought a house, its seller financed. Well its a mobile, thats
why it is seller financed. We had the land title company act as the loan servicer; they went
bankrupt and were taken over by Loan Care Account Servicing. So they were the account
servicer, I sent my payments to then, they issue payment to the woman I bought the house from. I
was reading my information, now that I have learned about all this mortgage fraud, not that I am
accusing the woman I bought the house from but, the account servicer is holding the original
promissory note and the original documents, and the strange thing is there is a small monthly fee
for them to do this, and the question is, what would be their true benefit for a lousy $18.00 a
month for all the work that they do? Is there something hidden that I am not catching on the
account servicing for seller financing?

Angela: What they are doing is sending you a bill once a month.

Maggie: Well, they do more that that in actuality, they hold the impound account for the taxes
and insurance, send late notices, if I happen to be late, they have to run all the input, the payment
now goes to a bank lock box in California, and the a report is sent to the office in Virginia.

Jean: Ok, so you said they charge you $18.00 a month for that, right? So you want to know what
their benefit is in doing that?

Maggie: Yes, it does not seem that their overhead would be overhead would be covered by the
$18.00 per month for all the trouble that they need to go thru in my opinion.

Jean: You are probably right.

Maggie: What I am wondering, basically if I pull up account activity on my account on their

website, they show the original loan amount, the origination date, it does say seller financed, but
I notice on the agreement that we originally signed that allows for an account servicing
agreement, do they hold the original documents on site, with them.

Jean: They dont have the original documents.

Maggie: Well that is what they say, and I checked with the seller, and she does not have the
original note.

Jean: Tell them you want to come down and view the original note.

Maggie: I called and they said they do have it and I asked them to send me a correct copy with
all the signatures of all parties that are a party to the note, and I am waiting to receive that back. I
asked then to send that by mail. Uh, front and back pages of the note.

Jean: I guarantee you that they do not have the note.

Maggie: Hmmmm..well, then

Jean: Bank One told me that, and when I got down there, they did not have the note.

Maggie: Unfortunately, Loan Care is located in Virginia and I dont have any ability to go from
Arizona there and check this out, but by the agreement, it states that they are to hold it. Its in the
agreement that we signed for the account servicing, but there was a lot going on in my life in
2003, I was taking care of an elderly mother, and I did the best that I could to make this deal, and
I was pressed for time. I did read, scan the documents, and I was a realtor at one time, and I feel
like I let myself down and my mother at the same time but I am trying to back track. I am doing
research at this point, I felt there was something going on behind the scenes with Loan Servicing
with seller finance between a seller and a buyer, obviously is benefitting them more that the tune
of $18.00 a month. It justuh..

Jean: Yeah, you are right.

Maggie: Okay, now, I have another quick question. There was an attorney firm that filed suit,
they first were acting as a third party collector, on a charged off credit card from 2007, they
actually went thru the process to file a civil suite in Kingman against me, representing at attorney
for the original bank as plaintiff.

Jean: They filed suit against you for what?

Maggie: For the amount of that charged off credit card. And I did not know how to respond,
ultimately they received a judgment with no evidence of the debt and I need to know what I
might due to proceed in some fashion. I have absolutely no idea what I need to do as they did
receive a judgment from a judge here in Kingman.

Jean: You went into dishonor.

Maggie: Well it was charged off in 2007. And they started contacting me in 2009. I made a feeble
attempt to ask them to validate the debt, but I didnt do it with all the fancy jargon. They never

responded except to file a civil suit. I responded as best I could, and it obviously didnt jive, and
the next thing I new, I got a civil judgment filed, so at this point..

Jean: So what are they doing with this judgment?

Maggie: Well they are threatening of course that they can attach and garnish, I am on a very
limited social security income and at this point, uh..

Jean: Do a pay order on the judgment. Who issued the judgment?

Maggie: The Judge, Justice of the Peace, in Kingman.

Jean: Do a tax bill. Do a Pay to the Order. Pay it to him.

Maggie: To the Justice?, I take the judgment that has the amount on there, with the case
number, they give a total, it is hereby ordered that a judgment is entered for this amount.

Jean: Make it payable to Department of the Treasury, but charge it to the Judge. Ha, ha, ha, ha,
ha.Do you want to see a case go away real fast? I am telling you.

Maggie: Is there a specific spot on that presentment that I am to write these words?

Jean: Yeah, tell them you will do a conditional acceptance, on proof of claim. They have the
authority. I wish I had time; they would cancel the whole thing.

Maggie: Well, yeah, from what I understand, the attorney was actually acting as a third party
collector, you know he bought the debt, its Gerstel Chargo, in case you are familiar with that
firm, and they are attacking a friend of mine in Mesa under the same guise, it is just in the
beginning stages with the first contact from them. I thought maybe with what happened to me, I
can help her, not get in the same position since we are more educated.

Jean: You need to learn to write a letter and you will never hear from them again.

Maggie: Yes, but you have been doing this for as long as I have been alive, so, I give you all the
credit and admiration in the world, I know I cant learn the whole legal system in one phone call,
but if even if I know how to even start a rebuttal against this or even some type of claim against
the attorneys for acting as a third party collector and as attorney for the plaintiff.

Jean: It is probably the attorney that is bringing the claim.

Maggie: Oh, I am sure. I mean, even though he named Merritt Bank, he is doing it as an
assignee, having bought it from Merritt Bank, because when I attempted a validation of the debt
letter, they actually ceased and desisted, and they sent me so much as an information about that,
but that they were going to put it out to their legal team.

Jean: You say this is a credit card debt?

Maggie: Uh huh

Jean: Do you know who owns both sides of the credit card debt?

Maggie: Me?

Jean: No, the DTC.

Maggie: Oh, okay? I dont know, what the DTC? As in..?

Jean: The Depository Trust Corporation, or The Depository Trust Company.

Maggie: All right, well, uh, possibly I can scrap us some money to get into your Tuesday classes.

Jean: I can show you how to do a conditional acceptance and they will go away.

Maggie: An unconditional?

Jean: No, a conditional.

Maggie: Oh, a conditional acceptance.

Jean: You will do a letter and they will disappear.

Maggie: Even though they have a judgment?

Jean: Youll be able to cancel the whole thing.

Maggie: All right.

Jean: If I can make a $60,000 judgment go away, with a letter, I can make that go away. I
guarantee you didnt do a $60,000 credit card.

Maggie: No, its like two grand---that is it. Never in my life in history, have I ever heard anyone
going after those charged off credit cards. That has been going on thru history.

Jean: That is because the get away with it. I would write one letter and you would never hear
from them again.

Maggie: Ok we will go on and let other people talk. I just wanted to get your take on it. I will try
to get in contact with you on a personal level, so I can pick your brain, or you can put me in
template or basic letter that I can get started with.

Jean: Ok.

Maggie: Thanks Jean and Angela. You can mute me back out.

Angela: Okay, thank you. Ok moving on, okay, Jeff go ahead.

Jeff: Hi, Jean, ok as you were talking I had a couple of more fundamental questions I hope you
might answer for me. Would you say that it is a cost claim or counter claim or one in the same?

Jean: Yeah, they are pretty close.

Jeff: In Patricks information, which I think he has gotten most of from you, he says it is
absolutely mandatory to do one of these cross claims, and he ties it back into biblical stuff, and I
thought that was interesting.

Jean: That is how you identify yourself as a creditor.

Jeff: That is what he said, see here is how I see it Jean. In the bible, Christ went into the temple
and he turned the tables on the moneychangers. I think that is what all of this has to do with.

Jean: Sure, is.

Jeff: And that is what turning the tables was, switching it around so that you are the plaintiff
instead for, help me here.

Jean Do you know why tax returns are filed on April 14th?

Jeff: Why?

Jean Cause that is the Passover.

Jeff: Yes, I understand that.

Jean Okay the Passover is from April 14th until the 22nd.

Jeff: The other thing that I would like to ask you is, and if you agree with, is in the Scripture,
when they asked Christ if the Master paid tribute, he told a disciple to go get it out of the fishes

Now in my opinion, I think that has to do with the cusip number and the call, I think that this is
all related somehow, because what he is talking about there, is what you have said on this call.
When you go an ge t e4h money out of the fishes mouth, where does the fish live? The fish lives
in the admiralty, in the pool.

Jean: In the sea.

Jeff: Yeah, when you go to the great big pooling account and you go fish.

Jean That is what they call the fish that came out of the sea.

Jeff: Yeah, and what you are trying to do is bring that fish back onto the dry land, arent you?

Jean: Yeah, do you know what the word beast stands for?

Jeff: Go ahead.

Jean: Belgium electronic surveillance terminal.

Jeff: Huh!

Jean: Belgium electronic automated surveillance terminal.

Jeff: Yeah, and what your are doing is.

Angela: What is that?

Jean: Thats ANA, Annual Numbers Association, in Brussels, Belgium. Which is tied into the
BIS, Bank of International Settlements.

Jeff: Yes, and that is where these cusip numbers are, and I had a have a friend who just got a
cusip number on his case here in Indiana, he went from 30 years to 3 years probation cause there
were some things that we did not under stand, but it dont matter, when they tell you have a right
to one phone call, that one phone phone call is not talking about a phone call, is it Jean? Its
talking about going in an getting that bond and you have to have the cusip number to identify the
bond. As soon as you identify the cusip number, you can go fish and bring the fish back from the
sea on to the dry land, where you can deal with it, am I correct?

Jean: Well, they are using the 141 of Title 26. Private debt instrument.

Jeff: Yeah, and once you get it up on dry land you can deal with it, you know.

Jean: Yeah, but you have to make them pay the tax, cause they do not have a bond.

Jeff: No, you have to give them a 1099 A or B or C. I dont know which one.

Jean: Well you have to do an IOD, because they dont have a bond on it.
They are using you as the original issue discount.

Jeff: They are trying to use your exemption.

Jean: Well, your exclusion, yeah.

Jeff: And that is why you have to turn the tables on them, and one of these forms turns the tables
on them, but I am not sure exactly which one.

Jean: Do a margin call. Do you know what a margin call is?

Jeff: No, I am not for sure, I am not familiar with that, sir.

Jean: Okay, when you trade on the commodity exchange, they are called puts and calls. A put
is a buy and and a call is a sell.

Jeff: Uh, huh.

Jean: And they buy things on margin, which means that the trader will give him 50% credit.

Jeff: Uh, huh.

Jean: And if they go over that credit, he does a margin call on them. Which means they have to
come up with the rest of the money, which is why they make you put a bond on it.

Jeff: Right.

Jean: What you are doing is indemnifying their claim. But they have a tax claim, because they
have not registered the security, so there is no bond in place.
So go read 2032 E 11. You have to put a bond up with the Secretary of the Treasurys office, for a
capital transfer tax. Which they havent paid.

Jeff: So when you make your one phone call, what it actually means is, you are going back to the
market, and telling them to call in the security, are you not?

Jean: Right. That means they have to put the funds up. They have to release you, they are holding
you for collateral of the funds.

Jeff: Thats right. And they are actually using your exemption or whatever you called it.

Jean: Exclusion.

Jeff: They are using your exclusion, which is your social security number, they are using that in
order to keep you in bondage, are they not?

Jean: Yeah, they are using that to cover the margin.

Jeff: Right.

Jean: And when you call, if you do a margin call, they have to com up with the funds and they
cant do that, or release you.

Jeff: Yes, if you dont make the call, if you ask not , you get not, or however that expression
goes, you have you ask.

Jean: You want them to file a 1099 OID, to identify who the payor is on the funds, and who the
recipient of the funds is. Tell them that. You want you see how fast they will get you out of there?

Jeff: Right, because the recipient on the funds would have to be you.

Jean: Yeah!

Jeff: Because you are the bank, and everything has to come back thru you, thru the source.

Jean: Well, no, you are not the recipient, you are the payor.

Jeff: Would you not be the payor and the recipient?

Jean: Well, they are the recipient of the funds, that is why they have the tax liabilitiy. They are
the transferee.

Jeff: Oh you are right. You are exactly right. So this would keep you from doing any type of
argument, any kind of filings into that court.

Jean: Tell them you are not doing anything til they prove their claim. That is a margin call.

Jeff: Yeah.

Jean: Ask them to produce the 1099 OID, you are doing a margin call.

Jeff: Yes.

Jean: They have to identify where the source of the funds are, and if they are not the source of
the funds, they have to release you.

Jeff: Right, and either way they have to release you. One way you basically, you make an offer to
settle the claim, and they refused it, which means a debt tendered and refused is a debt paid,
either way, they have to release you. One way you have made an offer to settle the claim and the
other way, they refused your offer, so a debt tendered and refused is a debt paid. They have to let
you out one way or the other, do they not?
Jean: Yep!

Jeff: That is what I thought. Okay. Very good you answered my question, thank you sir.

Jean: You are welcome.

Angela: Thanks Jeff. Okay, next we have Hi Beautiful Five. That is a beautiful name.

Jean: Give me five without not jive.

Angela: Ha.

HBF: I have question on writing a letter on a closed checking account.

Jean: Yeah? You have to do an electronic transfer if you do it on a closed account.

HBF: Yes that is what we did, and electronic transfer and we paid off a mortgage for our son and
the mortgage was paid off and he is all worried that something is going to happen, come back on
him, or he will have issues with it.

Jean: Well, you have to understand what you are doing. I did that with Walmart. I did a closed
account check and they said the check was bad, and I said then give me the check back. They
wouldnt give me the check back, so I gave them another one. And the guy did a bill of exchange
and their legal department called me up; he said how do we settle this? I said I gave you a bill
of exchange, so settle and close the account. I am authorizing you to settle and close the account.
He said, okay. So he did.

HBF: Okay the mortgage company sent them a $4400.00 check that was remaining in their
escrow account, and said that the account had been paid, or rather that the loan had been paid off.

Jean: Yeah, well that your proof.

HBF: Okay.

Jean: He has nothing to worry about, unless they want to double-dip.

HBF: Right.

Jean: Sometimes, they will do that, they will double-dip. What they are doing is double-dipping.
They are making another charge to your account. They figure if they an get one payment out of
you, they can get another one.

HBF: Right.

Jean: Ha, ha, ha.

HBF:: Now they cant come back on us either, can they?

Jean: Well, these people do whatever they want, it is a free-for-all.

HBF: Right. And on the back when we endorse it, we put not for deposit, EFC only for discharge
of debt, appointed as authorized representative without recourse.

Jean: And if you dont put that down there, theyll try to double dip, go in there and try to deposit
it, and then the check will bounce.

HBF: Right.

Jean: You cannot deposit an electronic transfer check.

HBF: Right, we have had a few cases where that has happened, where they tried to deposit, and
it bounced, and they go it is an EFT. And they act like they dont know what it is.

Jean: Tell them to read Title 15, Section 7001-7006. That is the Uniform Electronic Transfer Act.
And the Uniform Electronic Signature Act.

HBF: Okay, is that Title 15?

Jean: Yeah, 1-108 of the Uniform Commercial Code. Thats why these crated mirrors, mortgage
electronic registration system. They do an electronic transfer, and electronic transfer, on a non
negotiable, that is why all these loans are non negotiable instruments. That is what the Universal
Electronic Transfer Act controls. Because it is not controlled by Article 3. If it is a negotiable
instrument, it controlled by Article, not by the UETA.

HBF: Okay, how would we enforce that? If they dont accept it.

Jean: Well, just, you mean if they send you the check back?

HBF: Yes.

Jean: You mean they make another presentment?

HBF: No, this is on another case.

Jean: Well, do an conditional acceptance on proof of claim. Where do they get the authority to
make another presentment? Do a conditional acceptance on proof of claim. Make them prove up
their authority to make another presentment, when you have just charged the existing one. That is
how you use conditional acceptance to get rid of your liability. And people are not doing that.

HBF: Okay. Do you have an example of a conditional acceptance?

Jean: You betcha.

HBF: Okay.

Jean: Sign up for my class on Tuesday nights. I go into that in detail.

HBF: We signed up for it but we are not real good at all the Paypal account, we kinda screwed it
all up. So we are going to try for next Tuesday. Okay. What about places that say they dont
accept the EFTs?

Jean: They do. Who says they dont accept it?

HBF: Pardon me?

Jean: UATAs have been put into the Universal Commercial Code, 1-108. Tell them to go read the
Universal Commercial Code. And go read the Title 15, Subsection 7001-7006.

HBF: Okay, we havent read that, Ive gone thru a lot of the UCC stuff.

Jean: Read those two sections.

HBF: Okay. Well do that. Thank you very much, you have answered all of our questions.

Jean: You are welcome.

Angela: Thank you. Okay we are going to move along, we have Cleveland with a question, go
ahead Cleveland.

Cleveland: Hello? How are you doing?

Angela: Do you have a question for Jean Keating?

Cleveland: Jean, you mentioned, uh, when you were on a talk show about a week or two ago,
using a constructive trust along with the executor letter? And I was wondering if you can go into
that a little bit how you put the constructive trust together, how it was worded, or an example of
that on your Tuesday class? Can you get into that a little bit?

Jean: Okay, a constructive trust is what equity, a Court of Equity uses to give restitution of
reimbursement to a plaintiff when they are in illegal, and you can do one. I have a complaint that
was done by Jessee Kamakurin, it is a RICO complaint, she put a constructive trust in the
complaint to give restitution and reimbursement to the plaintiff, who she was representing. That
is how a Court of Equity gives restitution to a plaintiff, when the person who they are doing a
constructive complaint against, is in possession of money that they are not entitled to. That is
how you get restitution and reimbursement. That is what the purpose and function of a
constructive trust is. Every tine you go into court, and they bring a claim against you, and there is
another plaintiff involved, they are using a constructive trust in equity.

Cleveland: Okay.

Jean: So what I do, is point the judge as a trustee, and I make him liable for all the taxes and they
drop the case.

Cleveland: When you appoint the judge, that is part of the constructive trust?

Jean: Right, and you have the power of appointment under the Power of Appointment Act of
1951 because you are the donor. And the donor has that because it is a Class 5 Gift and Estate
Tax, the donor has total control of the power of appointment. You can appoint anybody.

Cleveland: Hmmmm.

Jean: And they have to accept it. Read 2030A, and 2514 of the Title 26. That is the Power Of
Appointment Act under Title 26., it was passed in 1951.

Cleveland: So from your purvue, you are using the constructive trust as an enforcement that
would work with the executive letters. In cases where judges, gloss over and keep moving on.

Jean: Yes it would. That is what David Clarence has missing from his executors letter. You have
the power of appointment. You can appoint anybody. You are the holder of the power of
appointment. Why? Because everything is a Class 5 Gift and Estate Tax. And the donor controls
it all.

Cleveland: Okay, can that constructive trust also work, you said on a previous call that you were
went into claim the property, was that property an eviction situation?
When you said you went in to claim the property?

Jean: People deeded me the property, gave me a grant deed. They abandoned the property, this
was three years ago, I still have the property. They tried to do an unlawful detainer, they tried to
do everything. I clothes-lined them.

Cleveland: Now when they put the unlawful detainer in, that is when, did you do a conditional
acceptance, or a constructive trust?

Jean: Yeah, I did a constructive trust, I did affirmative defenses. They didnt have the authority to
conduct a sale. Did you know that 50% of the owners of the notes have to certify before they can
do a substitution of trustee?

Cleveland: Hmmmm..

Jean: Go read 2934 of the California Civil Code.

Cleveland: Okay, well you know, the letter that you read on the previous call with David.

Jean: I wrote that for a $60,000 car loan. The judge took the case off the calendar.

Cleveland: I remember you also mentioned some Ohio law in that case.

Well it was all California, 3305, which is 3301, 3303 and 3309. You have to be a holder. They are
not a holder in due course because a note is a non-negotiable instrument. They took it subject to
all your defenses and claims so if I do defenses and claims what are they going to do?
Cleveland: Right.

Jean: They cant foreclose on the property.

Cleveland: Hmmm., three years huh?

Jean: I still have it; I will have it three years from now.

Cleveland: Hmmmm.

Jean: Do you know what happens when a paper asshole meets a blow torch? Ha, ha, ha.

Angela: What? This is a family show, Jean.

Jean: Excuse my French. You get spontaneous combustion.

Cleveland: Right. Id like to see that, are you going to present that on Tuesday?

Jean: Yeah!

Angela: Remind him.

Jean: Bring it up and I will go into it.

Cleveland: Fantastic.

Angela: I will write it down so

Cleveland: Is there anything that you, do you see the executive letters with your knowledge in
the areas of expertise with trust law and

Jean: I think the office is vacant, I think the donor has the power of appointment. Go appoint
yourself the executor. Under 2038 and 2514 of Title 26, I am appointing myself a special
occupant of the legal estate of the decedent by absolute estate.

Cleveland: You said 20 what?

Jean: 2038 and 2514 of Title 26.

Cleveland: Okay

Jean: That is the donor beneficiary of this trust, you can call it a constructive trust if you want. I
am appointing myself, I am claiming the office of the special occupant of the legal estate. It is
not a legal estate, because there is no executor.
You know what happens when do you know what an intestate is? When an estate has no heir or
beneficiary. That is why these judges are doing these constructive trusts in equity.

Cleveland: Right.

Jean: And giving restitution and reimbursement to the plaintiff to the lender or rather the
servicing company. There is no beneficiary or heir. You are the heir and beneficiary of the estate
and you are not stepping up to the plate and you are striking out.

Cleveland: Hmmm.

Jean: That is why you are not winning in court. They took me out of their system, I am not even
in their system anymore.

Cleveland: Once you have established a trust, there is no need to go after bonds as enforcement.

Jean: No that is a waste of time. Make them liable for the tax.
Actual termination. I am appointing myself the donor as the executor of the estate. And I am
making you the trustee by the Power of Appointment Act of 1951. What are they going to say?

Cleveland: And because you are the occupant of the executive office.

Jean: Right. I am claiming the executive of the legal estate of the decedent. That is what is
missing on Davids letter.

Cleveland: Because you cannot make that appointment as the grantor, can you?

Jean: No, you have to do it as the donor. Because the donor has, I looked this up, I will go into
this in my class and show you the authority for it.
You have total power and you are now using it.

Cleveland: Well, I like the fact that you bring in Title 26, 2514 and the other was 2038 and I am
going to study but, you bring it in.

Jean: I have the original statutes where they passed it, public law. They passed that in 1951.

Cleveland: What is your stance on the Jeanral post, if the Jeanral post is being ignored? I know
we are sending in letters to the Postmaster Jeanral or Postal Inspector. But if the Jeanral post is
being ignored, do you use the Jeanral post with your executor letter of process or? Okay, okay.

Jean: Thank them and send them home without any porridge.

Cleveland: Absolutely, bravo.

Jean: You have to show them whose boss. You know what the bottom line is? If you dont know
what your rights are, you dont have any. And do you know what rights are under the Universal
Commercial Code 1-201? Rights of remedies. If you dont know your remedy, you dont have
any. That is why most people are not winning in court. Remember when it involves real property,
you have to be in a land court. None of these courts are land courts. Challenge subject matter
jurisdiction. If the real part of interest is not before the court, can the court make a ruling?

Cleveland: Are you saying most foreclosures are in the wrong venue because it is not a land

Jean: What is your first clue? Venue, you are in improper venue. And you know where they are
getting subject matter jurisdiction by contract, because you are contracting with them. Go in
there and say I am here under special appearance on proof on claim. I will conditionally accept
your offer to move forward on this case on proof that this is a court of record and that this is a
land court that has jurisdiction and venue under the constitution to litigate land cases, which is
what a foreclosure is. None of these courts, and I am not talking about a nun, I am talking
about none. None of these courts have jurisdiction to foreclose on anybodys property. They
are doing it by contract because you are going in there waiving jurisdiction, you cant waive
subject matter, but you are not raising subject matter jurisdiction. I have all the documentation on
this. Do you know who Donna Baran is? I spent two hours on the phone with her this morning.
If you sign up for my class, I will give you a copy. They took this off the internet because of the
impact this will have. This is in Volume 34, let me give you the site. I gave this to Angela today,
dont know if she read it, but she can give it out.

This is abolishing local action rules. First step towards modernizing jurisdiction and venue in
Tennessee. These people do not have venue to foreclose on anyones property because they are
not land courts. There is about 100 cases in here, this is a law review, 60 pages long.

Cleveland: For all the people that have

Jean: Here is another, let me say this, uh, excuse me for interrupting. Let me give you this case
site. You can pull this off the internet. Ponzi vs Fessenden
and it is 258 US 254. You can download off the internet, but I have the annotated. It says that a
court has dual jurisdiction, two jurisdictions. Let me read this to you, I will quote it to you right
out of the case.

We live in the jurisdiction of two sovereignties, each having its own system of courts to declare
and enforce it laws in common territory. It would be impossible for such courts to fulfill their
respective functions without embarrassing conflict unless rules were adopted by them to avoid it.
The people for whose benefit these two systems are maintained are deeply interested that each
system be affective and uninhibited in its vindication of its laws. The situation requires
therefore definite rules fixing the powers of the courts in case of jurisdiction over the same
persons and things and actual litigation but also a spirit of reciprocal commodity and mutual
assistance promote due and orderly procedure. You have a dual jurisdiction. Listen to this.

The chief rule which preserves our two systems of courts from actual conflict of jurisdiction is
that the court which first takes subject matter of the litigation into its control, whether this be
person or property, must be permitted to exhaust its remedy
to attain which is assumed control before the other courts own attempt to take it for its purpose.
The principle is stated by Justice Mathews in Covel vs Haymen. So which ever court, even if the
court does not have subject matter jurisdiction, if they take control of it by you contracting with
them, then you have to exhaust that litigation, but if you challenge subject matter jurisdiction,
then they have to prove it.

Cleveland: That is powerful.

Jean: And in Florida, it is the County Court.

Cleveland: So you know about Ohio, and

Jean: Every state constitution has a senate and a county court, which is called a land court. Only
the land court has venue over foreclosures. None of these courts that are foreclosing on these
properties has venue. And nobody is challenging venue.

Cleveland: When you say county courts, you mean like, for example, Carl Harvey County, I
know you know Cleveland. Would that be the court?

Jean: It is the court of common pleas.

Cleveland: Well they are doing it right here, as that is where they are foreclosing, the court of
common pleas.

Jean: Yeah, but is that a county court?

Cleveland: Yeah.

Jean: Go look at your constitution. I have not read Ohios constitution.

Where does it say it in the constitution? See where the jurisdiction is conferred on them to do
foreclosures. Challenge venue, not jurisdiction. Venue.

Cleveland: If that is the case, and someone has lost their home, they can go right back in there on
these same issues, cant they?

Jean: You bet your bippie. You can get a void judgment? Void on their face because the courts
lacks subject matter jurisdiction. In California that is 473 D of the California Civil Code.
California because of the population has a separate civil code and they have a Code of Civil
Procedure and I know every section in it.

Cleveland: California is really

Jean: They are getting away with murder as people dont read the statutes and they are not
challenging venue. They are going in there and contracting with people. You can go in there and
contract with them-----dont contract with them. That is how they get jurisdiction. They do it by
consent. The judge tries to get you to consent.
What are you doing when you testify?

Cleveland: If you return the papers within the 72 hours, because there are times when they dont
get a service for example and they will still try to proceed and get a judgment without even
giving service.

Jean: Yeah, they cant do that if you challenge venue. They dont have venue. I dont know
anybody that has raised venue.

Cleveland: Hmmm. I hear the jurisdiction thing, but you know you are coming in with venue,
you know.

Jean: Venue is more important that jurisdiction.

Cleveland: That is powerful; I am going to check the Ohio constitution.

Jean: Yes, because it will tell you.

Cleveland:: And we are definitely going to have it this Tuesday?

Jean: Yeah. I will be ready. Let me read the etymology dictionary and look up the definition. I am
going to look up the word venue and read what is says. Una momento, por favor.

Angela: Ok, Cleveland give us some music and a little song. Ha, ha.

Jean: Venue: early 14c., "a coming for the purpose of attack," from O.Fr. venue "coming," from
fem. pp. of venir "to come," from L. venire "to come," from PIE base *gwa- "to go, come" (cf.
O.E. cuman "to come;" see come). The sense of "place where a case in law is tried" is first
recorded 1530s. Extended to locality in Jeanral, especially "site of a concert or sporting event"
(1857). Change of venue is from Blackstone (1768).

And he uses the word come, so that means to approach land, to come, come to ones self,
recover, arrive, assemble, to go from, to come, he goes to be born, substitution of o for u is
scribal change before minimums. Originally munuk some, modern past tense from cain, is
middle English probably from the old noun, productive with verbs.

Angela: We have a lot of background noise going on, and a lot of error. Are you in front of a fan,

Cleveland: Yes, I am here.

Angela: Are you in front of a fan?

Cleveland: No, I had you on speaker. Is that a little better?

Angela: Yes, we had background noise.

Jean: See how important this is? See venue means land. And only a court that has venue over
land has jurisdiction. Do you know anyone who has ever raised venue?

Cleveland: Well, I would say, Angela doesnt Harold in New York, and I have not talked to him
in a long, long time, doesnt he bring up the issue of venue?

Angela: Yeah. Yep. I think I mentioned Harold to you Jean, you guys ought to get together and

Jean: Yeah, I would like to talk to him. Sounds like a smart man.

Angela: He is.

Jean: Venue is very important---they do not have venue and you are giving it to them by consent,
you are consenting to it. Even though they do not have it you are giving it to them.

Cleveland: I know you mentioned earlier, you dont go in waiving any of your rights and you go
in as special appearance.

Jean: Yeah. No consent.

Cleveland: That is powerful.

Jean: It works, too. You have to stand you ground.

Angela: Ok, anything else Cleveland?

Cleveland: No, I am going to listen in and I will see you Tuesday, Jean.
I appreciate the call.

Jean: You are welcome.

Angela: Thank you so much. Okay, we have a few more. California, go head California.

Dallas: Ok, I guess that is me, right, thank you for having Jean Keating on by the way.

Angela: My pleasure.

Dallas: Jean, I have a couple of questions, I actually have a DVD of you from a couple of years
ago that I have looked at a couple of times, but have not looked at in the past year. But, the same
thing I heard back then is the same thing I am hearing now. That is telling me what you are
saying is accurate and something I appreciate.

My question is regarding the 8281 form, uh, uh, me and a friend kinda got into trouble, he
listened to someone, and he was using a 1099 OID, and got a fairly decent check, a little under
$200,000, paid a bunch of bills, got a lot of things done and then the IRS came back after him.
And so he has been thru District Court, down in San Diego.

Jean: They want to find out if you know what you are doing.

Dallas: What they are attempting to due is force the summons on him for his books and records,
and what do you do now as he is doing an appeal. But I was looking at the form 8281, regards to
Part 2.

Jean: File a 4490, ask them where their claim is?

Dallas: What was that again?

Jean: 4490, Proof of Claim.

Dallas: Oh, so the Proof of Claim

Jean: Yeah, make them prove their claim, the IRS.

Dallas: Okay, wouldnt he need to do a 8281 since he did a 1099 OID?

Jean: Well, I would make them prove up their claim, even though he didnt file the 8281.

Dallas: Okay.

Jean: No proof of claim.

Dallas: Okay, that is IRS form 4490.

Jean: Yeah.

Dallas: Okay, because what they are attempting to do right now is to do coercive tactics to get
him into prison, because he is doing his appeal, and everything he has done thus far is based in
pure law and so they have made a tremendous amount of errors, I mean all kind of errors. I cant
believe they are that stupid, and everything they have put on paper.

Jean: Well, maybe they are not stupid, they know what they are doing.

Dallas: They are just rolling over him, they dont care. They dont read anything he has
submitted and they just are rolling over him. The judge is writing orders, you know, what the US
attorney is telling him to write. And so this proof of claim is what needs to be sent directly to the
IRS? Is the address on the 4490?

Jean: I believe it is, yeah.

Dallas: Okay, so it is to be send to that address and not to the US attorney then? Yeah, okay.

Jean: I would give a copy of it to the US attorney.

Dallas: Ok, so they can get a copy that way. Okay and so his doing an 8281 is not an issue right

Jean: Yeah, make them prove up their claim, where do they have a claim to invalidate his 1099

Dallas: Okay.

Jean: Go look at the 4490. Read it.

Dallas: Is there a publication for the 4490 that explains a lot of it?

Jean: Yeah, I believe there is.

Dallas: I guess I could Google it up, and probably come up with the publication that would talk
about that.

Angela: It might be on the form.

Jean: Hold on, I will pull it up here. Hang on it will take me just a minute here to pull this up. My
computer is faster than a speeding bullet. It is able to leap things in a single bound.

Angela: I thought you had a rodent and a wheel operating the thing earlier?

Jean: Well, my hamster died and I had to replace it. He had a mild cardiovascular infarction. Ha.

Angela: Poor thing.

Jean: Yeah, it is form 4490, Proof of Claim for Internal Revenue Taxes. It says the undersigned
officer of the IRS, a dully authorized agent of the United States, in this behalf being duly sworn
deposes as said, he has to put his name here, is justly and truly debted to the United States in the
amount of, with interest and penalty joined.

Dallas: I am trying to pull that up but my computer must be like yours, hard to pull this up. Okay
I have it now, I see it.

Jean: Okay, it says, in the Internal Revenue Manual, 5.5.4, Proof of Claim Procedures. So here is
the practice manual on it. It says use form 4490 Proof of Claim for Internal Revenue Taxes when
filing a claim in probate or non bankruptcy insolvency

Dallas: It is like you talked about earlier, they did file a Notice of Federal Tax Lien against him,
and it wasnt the tax, I see it here, the kind of tax period, section 1040 for the estate tax. I am
familiar with what you are talking about under document 6209, for the tax classified, estate and
gift tax.

Jean: Yeah, tax on farm property.

Dallas: And I didnt know what the definition of farm was until you explained it to me. Not
that makes sense to me.

Jean: It is an alternative valuation on the decedents estate.

Dallas: Alright, under 2032A valuation.

Jean: It is a valuation on a carryover basis.

Dallas: Yes, you know the one thing I mentioned too, that we are doing is, I know because it has
happened to me before, and I know I pulled up a priva transcript. And in the transcript, it actually
shows that in there. That the designee, it says executor and shows the carry over basis in there.

Jean: Yeah, appoint them the executor.

Dallas: That is just for him, so I guess the tax for the 4490 would be the..

Jean: Send them a letter, telling them under 2038 and 2514, under the Power of Appointment Act
of 1951, that you are appointing them, the IRS, the executor of the decedent. Now they have to
pay all the taxes.

Dallas: As an executor? Oh, appoint them, the IRS as executor, not him. He would not be the

Jean: Yeah, appoint the IRS agent that is coming after you as the executor.

Dallas: Oh, okay,

Angela: Okay, whoever is the executor has to pay the tax, right Jean?

Jean: Right, go read 2002.

Dallas: Okay, so you appoint the executor the IRS. Wouldnt you want to appoint the judge as

Jean: Yeah, you could appoint the judge, he would run out of the courtroom.

Dallas: Years ago, when the redemption process started, with Roger Elvay, Ron Ludson, and
those guys I was in there training. I was the first one to go into court, and in LA County, and to
do all this stuff, I got arrested in there. But when, this was in Riverside County, I went to LA
County, I accepted for value what the judge said, I did not know why he ran out of court, I didnt

know why, but he got up and ran out. Now I know why he ran out from what you are explaining,
I guess he didnt know that I didnt know with what I was doing. I just said I accept it for value,
as an audio recording of a court record. And he actually got up and ran out and pointed to people
to meet him in the chambers.

Jean: Go read this manual,

Dallas: Section overview.

Jean: It talks about Form 10492, Notice of Federal Taxes Due.

Under 31 US c 37.13.

Dallas: Let me ask a question here, okay.

Jean: For his case this could that this would work very well. I have a case right now, I dont have
a drivers license and this in Long Beach, California. I have been back and forth to the court and
I am not stipulated for commission, I want to go into Court of Record with the judge, but the
commissioner has not been there for me to approach him, and they just dont know what to do.
There are attorneys that are there temporarily, but would going into the Court of Record and
appointing the judge, what would that do?

Jean: You could do that orally. You need to download the Uniform Trust Code of 2005, Section
406 and 407 tell you how to do an oral appointment. You can form a trust orally.

Dallas: So I can appoint a judge there, judiciary or executive or what ever, and this is just a
traffic ticket because I dont have a drivers license. It is a misdemeanor case.

Jean: Just say you have the power of appointment under the Power of Appointment Act of 1951,
under sections 2038 and 2514 of Title 26, as the donor and beneficiary of record, you are
appointing the judge the executor of the legal estate of the decedent.

Dallas: And I didnt know until you mentioned that, thats what 11 years ago when I did that in
LA, that the judge ran out, because he thought I was going to appoint him.

Jean: Yeah.

Dallas: Because what he did was, said if you walk out of my court room, I am going to remand
you to custody and put a $50,000 bail on you. So I accepted it for value, and he go up and ran
out, maybe I guess he thought he was going to have to pay tax on the $50,000.

Jean: Yeah, Ill conditionally accept your offer to post $50,000 on proof of claim, that you have
the authority to make a presentment.

Dallas: That makes sense. When I saw your DVD, it was the most precise explanation of the
commercial process I have heard since 1999. I hunted you down, I couldnt find you and now
that I know you have a Tuesday class, I will be there.

Jean: Yeah, I have been successful every time. You know this house I have that I took over? I did
a hostile takeover on it. The attorney, they represent Hawthorne Estates, because it is a gated
community. They sent me a $3,000 property tax bill, and I did a contention and sent them a letter
and I never heard from them again.

Dallas: You know, I did close to that. Okay and I still didnt know what I was doing, but I heard
someone ask about closed account checks.

Jean: Did you know that California is not a state? California is a territory.

Why do you think they are doing all these foreclosures? Did you know that California was never
properly seeded to the United States under the Treaty of Guadalupe Hidalgo?

Dallas: So it is still a territory?

Jean: Yeah! Did you know they changed Article 9 and Article 6 and Article 8 and Article 10, that
all Mexicans were to be made American citizens under the treaty, they took that section out?
They were to be granted all their land grants, they took that section out. They changed the whole
treaty without the permission of President Polk. Nicolas Trist did this under contract with the
Senate, without the approval of the President, so it is not valid. President has to approve all

Dallas: Wow.

Jean: So none of these courts have jurisdiction to do anything.

Dallas: None, what so ever.

Jean: The real party of interest is the President of Mexico. Down load the Treaty of Guadalupe
Hidalgo, wish I had time to go into it. I go into this in my classes.

Dallas: I have one last question. My last question, someone mentioned a closed account check,
and I wanted to see if that was something with the clerk or something real about. I used a closed
account check with the court in Riverside, California and it was for the fine, once they convicted
me, I didnt know what I was doing, it was my first time going thru the redemption process, and
they fined me $2150.00. They kept sending me the bill saying they were the creditor; they were
my creditor on every bill they sent me.

They said if I didnt come in and pay the bill, that they would send out a warrant for my arrest, so
I went it and it was the Pro Tem, and the commissioners and the judges that knew me there,

because I was there every other day for a year, but they were not there. And the Pro Tem did not
know why he was there.

When he said all I had to do was pay it, by cash or check. I said, okay I will pay by check. I gave
him a closed account check, went down to the clerk, paid on the closed account check, wrote
whatever I needed to write on there and that was it. About a month later, they said I needed to go
and talk with financial services. When I went to talk with them, they said I needed to pay the
balance, I said, you are paid, I dont owe anything, dont bother me. And I left. I kept looking
on the internet as they said they were going to file a warrant for my arrest, nothing ever
happened, they voided it out. What did that mean, they voided it out? I have never heard from
them since. Never bothered me.

Jean: Yeah.

Dallas: So what did that mean, they voided it out.

Angela: They made it disappear.

Jean: Voided the judgment.

Dallas: So they voided it with a close account check.

Jean: That is what you can do under 473 D, on all these unlawful detainers. They are void
judgments on their face, because they never had the authority. Ask them if they have 50% of the
certification of the acknowledgement of the owners of the note? And who are the owners of the
notes? Or the securities that they are foreclosing on. Ask them if they are a holder in due course.

Dallas: Okay.

Jean: Ask if them if they took it subject to the defenses and claims that the payor could assert
against the payee? Isnt that true under 16 CFR of the Federal Trade Commission 433.2, they
took it subject to all the defenses and claims of the payor could assert against the payee? Is that
true or not? Yes or no?

Ha, ha you want to see a fanny-pucker?

Dallas: Well, thank you very much Jean, thank you Angela.

Angela: Thank you Dallas, have a good one. Okay moving on, we have Oregon. Oregon, do you
have a question for Jean?

Oregon: I hope I am sounding alright.

Angela: Barely, we need you to get real close up to your mike, because you sound like a million
miles away.

Oregon: Could you repeat the last DFR that you mentioned?

Jean: YM16, 433.2 of the Code of Federal Regulations. Go into the electronic, type in electronic
Code of Federal Regulations.

Oregon: Hello? That is where the electronic signature is right?

Jean: That is the disclaimer, are you talking about the UATA?

Oregon: Isnt that YM 16 of the CFR?

Jean: No, 16 CFR is the disclaimer; you take it subject to all defenses and claims. You should ask
them that when you go into all these venues, say, do you take take subject to al my defenses and
claims? Well, here is my defenses and claims. Ha, ha, ha. Watch them cringe.

Oregon: I love you, man.

Jean: Tell them you want your proceeds from the sale of the security.

Angela: Yeah, that is what I want.

Oregon: Wheres the check?

Jean: Yeah, wheres the check?

Angela: Ok, is that it for you?

Oregon: Ok, see you on Tuesday. I dont know if others have personal issues.

Angela: Thanks so much. Jean, what were you going to say?

Jean: People need to learn how to handle themselves.

Angela: Yeah.

Jean: I have one of these forms filled out, these 4490 forms. I found one that was filled out and I
am going to save to my computer.

Angela: That is the IRS form 4490, Proof of Claim.

Jean: This was for a bankruptcy court. Yeah, they actually filled this out and filed it with the
court. It says the District Court of the District of Colorado, receivership.

Angela: Do you want to take more questions?

Jean: Yeah, and then I am going to fold up. One more question.

Angela: Well, we have three people.

Jean: Okay. I will take three of them.

Angela: Okay, thanks. We have Belove, do you have a question?

Belove: Yes, can you hear me? I was growing medical marijuana and I had the cards and patients
and they took my harvest and my save that had $30,000 of gold coins and they confiscated my
car. I ended up having to hire an attorney, but how would I have been able to get my things back?

Jean: Who is they?

Belove: The Drug Enforcement Code.

Jean: DEA?

Belove: Yeah.

Jean: Well do a 4490 on them, Proof of Claim. You didnt lay claim to it so it is abandoned
property. Go read mitigation; did they do it under Title 18? Section 91, 92, 93?

Belove: I dont know what they did it under, under the Health Code.

Jean: It is a forfeiture.

Belove: Yes, that was the big thing. There was 20 days to post bond, and they kept my bond
money, too.

Jean: They do it under Supplemental Rule C. You didnt file an endren complaint laying claim to
the property to mitigate it, so laying claim to the property they take it laying claim to the
property and they take the proceeds.
It is abandoned property.

Belove: I didnt abandon it, I put up the bond money and my attorney negotiated it, it is too late
to do anything now, but I want to know what I should have done.

Jean: You should have never hired an attorney. That is why they have Mac truck tattooed on their

Belove: Yes, they are in bed together.

Jean: And they are liars. Do you know how tell when they are lying? Their lips are moving.

Belove: Ha, ha, ha. And I am having a hard time getting signed up for your class.

Jean: You have to email Toby.butterworth@skype. Angela has it on her website, how to sign up.

Belove: I have been trying to get to her website but it did not work.


Belove: Okay, very good, thank you.

Angela: You are welcome, and in the right upper portion, says Jean Keating, about tonights call,
click on that it will take to you to a page, and will show you Tobys name at skype4, and also the
PayPal addresss.

Belove: Will we be able to do it other than tonight, or do we need to sign up tonight?

Angela: No you can do it up to the date of the event. Just give him enough turnaround time to
send you the link and password to the class. Each person gets their own distinct link to the class.

Belove: I am not good with the computer, so thank you.

Jean: I am not either.

Angela: Okay, it is not difficult; you will get the hang of it. Alright is that it for you? Moving on.
Hi, Teresa! Do you have a question for Jean?

Teresa: Jean, you are a wonderful teacher, I heard a tape from you from years ago somebody
forwarded it to me. And you are just the best teacher on the planet, as far as I am concerned. I
have heard a lot of teachers, you really are dynamite. I am so honored and pleased to hear you
tonight and be able to talk to you and to hear all.

Jean: Thank you.

Teresa: Uh,I have listened to a lot of bad advice I guess, it started out when I was into Winston
Trouts coaches that I paid for to do the OID part, and that ended up in a tax lien of a 100% since
last May and wouldnt you know Winston doesnt teach that any more, the damage is done and
the coaches that charged that money should have come back and show how to undo the damages.
No one stepped up to the plate, that did that, just recently David Clarence told me that I could
write some checks on an open account, and the bank ended up closing the account. One of the
checks that I wrote, after I tried to call David back, he decided to no longer answer his phone
anymore. That was him not stepping up to the plate, too. But I got a medical bill for $324.00 and
wrote a negative check for that one, and now the medical place saying that I had to pay the
$324.00 plus a $20.00 bounce fee. If I didnt pay it with 5 days, they were going to send the
police to my house. So, I have listened to all the wrong people, and I am so grateful you have
this class coming up. $25.00 is affordable and something I can do, and I am not listening to any
of these people anymore. You are wonderful and thank you.

Jean: You are welcome, thank you dear.

Teresa: What can you tell me about these backward checks? I dont want the police showing up
to my house. And I have an IRS 100% lien anyway, I thought maybe I would write back to them,
and tell them they are not going to get anything from me, because not matter where I work, I
cant give them anything.

Jean: Use the bill as a check. Pay to the order of. Do they have an amount on the bill?

Teresa: It is not a even a bill, it is a letter written saying that they are going to send the police
after me?

Jean: Do they have an amount on the bill?

Teresa: It is written in the letter form, yes, $324.00, or something like that.

Jean: Do a Pay to the Order of.

Teresa: Okay.

Jean: It is a bill, or a bull in ecclesiastical law. I am not kidding you. That is where bill comes
from, from bull, a Papal Bull. Endorse it for payment, say pay to the order of Department of
Treasury, and charge it to who ever sent you the bill. Say credit to the memory of my account
and put your social security number on there. I did it with an $80,000 judgment against the court.
Never heard from them again.

Teresa: And to I write that slanted across the page in red ink?

Jean: Sign in red ink. Never sign anything in blue ink. And make sure you are the last signature
on the page. Never do anything in blue ink.

Angela: Why not?

Teresa: Oh..that is what I have been doing wrong all along.

Jean: Yeah, thats why in ancient times, they used to prick their finger, they would take the quill,
put the blood on their finger and sign it in blood, red. That is the sign of a live man. A dead man
cant, if you sign it in blue ink, you are a dead man.

Teresa: Oh, boy.

Angela: Gosh.

Jean: I am doing it wrong all along.

Angela: Well, yeah, we all have been, I guess.

Jean: You have to read this letter I sent to the District Court.

Teresa: I will be in your class thats for sure.

Jean: And everything has to be in red ink, and has to be the last signature. What people do is
when they notarize something they put the notary after their signature. The only signature they
see. Last in time is first in line. Your signature has to be the last signature on the page. That is
why you turn it over and sign it on the bottom back corner of the last page, so they cant sign
anything after your signature. And you want to do it in red ink. Red ink. I can show you a
practice manual that says every document must be signed in red ink.

Teresa: Beautiful.

Jean: So what is the difference, sign it in red ink and watch the difference.

Teresa: So pay to the order of the Department of Treasury and charge it to the medical facility?

Jean: Charge it to the account of the medical facility, and write their account number there, the
account number is the bill number.

Teresa: Charge to the account.

Jean: Put the name, do you have the, do a W-9 on them, ha, ha, has, you will see how fast, all you
will see is two elbows and a fanny going down the street.

Teresa: I love that one! Ha, ha, ha.

Jean: I laugh at these people. None of them bother me any more. I bet I have written over two
dozen letters and I never hear from them again after I write the letter.

Teresa: So I could just do the W-9, without the Pay to the Order Of? Or what?

Jean: Yeah, I would do a Pay to the Order Of, and ask the for their taxpayer identification
number and tell them you want to see the 1099 OID to identify the source of the funds. Or you
can do a conditional acceptance on proof of claim. I want to see the 1099 OID that identifies you
as the source of funds as the payor.

Teresa: Excellent. Identifies me as the funder?

Jean: Identifies them as the funder, they are sending you the bill, if they are not the source of the
funds, why are they sending you a bill for?

Teresa: Uh, huh.

Jean: Tell them to send you a check for the funds that you gave them. You funded them. Tell
them that the instant that you get the OID, tell them to send you the OID that identifies them as
the source of the funds. And that you are the recipient, and you will write t hem out a check, and
you will never hear from them again. Yeah.
Tell them if they do not send you the OID, you will file one with the IRS showing them that they
are the recipient of the funds.

You know what that is? That is what they call a margin call. That is what I did on this judge. I
did a margin call, send me a 1099 OID that shows you as the source of the funds.

Teresa: Then, I should write, if you do send me this..

Jean: The reason they have to send you the 1099 OID, is that shows you as the owner of the tax.

Teresa: Yeah, I understand that.

Jean: So, if you are not the recipient of those funds, then you dont own the money do you?

Teresa: No.

Jean: Then tell them to go fly a kite. Tell them if they dont do it, you are going to do it and then
you are going to sic the IRS on them. How do you like me now?

Teresa: You are so wonderful.

Jean: Yeah, know the truth and the truth will set you free.

Teresa: Excellent. Thank you, thank you so much, I feel so much better, thank you Angela. You
both are so wonderful, I hope both of you are on til now til eternity.

Angela: Oh, you are so sweet.

Jean: Thank you, you are very sweet.

Angela: See you on Tuesday. Ok, New York, do you have a question?

Jean: This is the last one.

Angela: New York do you have a question for Jean.

New York: This is my first call. How do you deal with an IRS levy?

Jean: A levy is a secret lien. When they bring a claim, do a 4490 on them. Tell them to prove up
their claim. They are dipping into your account just like you, if they have a levy on you, tell them
to send you a bill and do a pay order, money order on it.

New York: What they are doing is levying my pension.

Jean: Tell them to send you a bill. Do you have a bill from them for the amount of the tax?

New York: Yeah, with penalty and interest, they claim I owe hundreds of thousands of dollars.

Jean: Well, do a pay to the order of. And then charge it to their account, and credit the memory of
your account. File a 1099 OID on them. Claiming them the recipient of the funds. Ha, ha, ha,
showing the IRS as the recipient of the funds.

New York: 1099 OID.

Jean: When have you seen anyone access the IRS a tax?

Angela: Never.

Jean: Well, they are sending you a bill arent they?

New York: Uh, huh.

Jean: Well, what is your first clue? They are using your credit, they are no different than anybody

Angela: How would you do that Jean? How would you bill them for the tax?

Jean: Send them a bill. Do a money order. Thats how you do it. Take the bill and do a money
order. That is assessing the tax, now they either have to pay the tax, tell them you are going to
file an OID on them. File the OID on them, show then as recipient of the funds.

New York: What is a 4490, Jean?

Jean: Proof of Claim.

New York: Uh, huh.

Jean: Go read the Internal Revenue Manual, 5.5.1, and There are two manuals here.
Proof of Claim procedures in decedent and non bankruptcy insolvency cases. This is an
insolvency case, because you are dealing with a dead person. And then read 3128, Title 31. And
3113, and that is proof they can draw on the payment and get the payment for the estate.

New York: Where can I get an IRS manual from? To look at all the codes an statutes and

Jean: You can get it right off line. Go to Cornell Law, they have Title 26 in there.

New York: Can I buy the manual outright from somewhere?

Jean: Yeah, you can buy it from Westlaw, .They have the Internal Revenue
Code of 1986.

New York: Okay.

Jean: You can probably get it real cheap. Get it in paperback.

New York: Thanks, Jean.

Jean: You are welcome.

Angela: Ok, great. Dave, go ahead. Hey, Dave.

Dave: Hello. Jean?

Jean: How are you doing?

Dave: I am doing pretty good, hey, I have got a question and dont know if you have an answer
but I have been asked so many times and I have discussed with some other researchers and that is
the question about the possibility about going back and getting the money paid on credit cards in
the past.

Jean: You can make a claim, yeah.

Dave: Do you think that is a viable claim that you can have a process to pursue? Personally, I
have an American Express that I used to use and ran over $800,000 thru it.

Jean: I can get the whole $800,000 back.

Dave: That works for me. I am already signed up for Tuesday. That is all that I wanted to know.

Jean: Yeah.

Dave: Right.

Jean: The DTC owns both sides of the account, which is a security.

Dave: Very good, I think there are a lot of people out there that would be very interested in
learning that process.

Jean: The DTC is a trust holding company, because you have not laid a claim to it, under Article

Dave: Better late than never.

Jean: Amen.

Dave: Thank you very much.

Jean: You are welcome.

Angela: Thank you Dave. Okay, our last one. Jame1234, did you have a question before we wrap
it up here.

Jame1234: Hello, Mr. Keating, how are you doing this evening?

Jean: Fine, how about you?

Jame1234: Can you fill out a process to get rid of a fine that was assessed as part of being
convicted on a fraudulent frame-up, and they assessed a $14,000 fine and of which I made a
couple of payments and I could not pay any more payments. I got a letter that the payments were
suspended, they were trying to pull me back into the system, I said I didnt want to contract
anymore and I refused to sign some other paperwork and now they are telling me I will be locked
up if I dont pay $14,000.00.

Jean: Who is saying this?

Jame1234: The district court. The local attorney Jeanral, the local judge that handles the case and
the probation officer.

Jean: Tell them you want a 1099 OID. Ha, ha, ha. Tell them you conditionally accept his offer to
pay the entire indebtedness on Proof of Claim.

Jame1234: What they are telling me is to pay it only with a postal money order.

Jean: Okay, ask them where they get the authority to tell you to pay with a specific instrument?

Jame1234: Okay, okay. Should I put this in writing and had to them?

Jean: You should do a conditional acceptance on proof of claim. I could get rid of that in 30
minutes. You should come to the class and do a letter and get rid of it. I do one and it disappears.

Jame1234: Oh man, I will be in the class, I think you said on Tuesday?

Jean: Tuesday night, yeah or Tuesday afternoon. See we have three tapes, but we could do it
more. I guess it is an hour for each tape.

Jame1234: That is wonderful. I understand you can remove a frameup charge from your record
of the strawman?

Jean: Yes, expungement. You get an expungement.

Jame1234: Is that something that can be covered in a class or previously covered?

Jean: We have not gone into that previously, but I can show you how to do that.

Jame1234: Okay. I thank you very much.

Jean: You are welcome.

Angela: Okay, Toby just put a list in the Skype of I guess previous archives of Jeans classes.

Jean: Yes, there is an archive.

Angela: I guess I should put in the chat in case anyone wants to order them?

Jean: Yeah.

Angela: Oh, my chat is frozen. Here we go, I will do this, okay, try that?

Jean: Have to give you a raise.

Angela: Ha, ha. Got one more question, can you handle it?

Jean: Yes, and then I am going, it is too late.

Angela: Daniel Ray, go ahead.

Daniel: Can we purchase back webinars?

Angela: I just put a link in the chat actually; Ill put it on the website in the next day or so. Check
the www.myprivateaudio.coom website and click on guest speakers up at the top and down at
the bottom of the page is Jeans information.

Daniel: Thank you so much.

Angela: I guess that is a wrap, its been fun, you covered a lot of territory, I was surprised. You
did real good Jean, thank you for staying on track and not going all over the place, ha, ha. It was

good and I am sure many of the participants and listeners will be joining up for your class. I am
going to be there on Tuesday night, see how it goes. I cant wait actually.

Jean: Okay.

Angela: We will have other calls I am sure. I am going to end the call, thank you for spending 3
hours and 14 minutes with us. We will do it again I am sure and do it again on Tuesday. And
everybody make sure to sign up, at least for the first one and see what its like, you might learn
something. Gee, what a novel concept.

Good night everyone. Thank you.

Jean: Good night everyone, Love you all.