Category Archives: Mortgage Crisis

What is going on with the mortgage lenders?

Time to Abolish FDR’s “New Deal” Thanksgiving? (Only Hallmark Cards and Turkey Farmers would really object)

Originally Published on: Nov 25, 2011 @ 0:59

In the August 1942 Paramount movie, “Holiday Inn”, Bing Crosby’s character Jim is at his absolute low point of the year at Thanksgiving.  I completely concur.  Not even Irving Berlin could write a memorable song about this holiday, and now that I think about it, I know of no Thanksgiving songs at all—I suppose no one can really sing when stuffed to the gills with Turkey.  Eucharistic hymns of Thanksgiving in Church, to be sure, are songs of Thanksgiving, but not AMERICAN (United States Holiday) Thanksgiving.

As it happens, in 1942, Thanksgiving had just been set by Franklin D. Roosevelt on its modern date by proclamation signed on November 26, 1941, a little over a week before Pearl Harbor (the attack on which Roosevelt may well have been planning and of whose imminent occurrence evidence now shows, at the very least, Roosevelt to have been perfectly well informed and aware).

So THIS YEAR 2o12 is the 71st Anniversary of the “New Deal” Thanksgiving, and I think it’s high time to wipe this wretched artificial off the Calendar entirely.  The general concept of Thanksgiving may go back to George Washington, the Continental Congress, and the Pilgrims in 1621 some historically esoteric and metaphysical senses, but the Pilgrim association itself is one of English treachery.  How few Americans on Thanksgiving Day recall King Philip’s (the Wampanoag Grand Sachem Metacom’s) War of 1675-1676) and the resulting Genocide of the Wampanoag Tribe celebrated in that First Fabled William Bradford Thanksgiving in 1621. The Wampanoag was the Nation of Squanto and Massasoit who did so much to facilitate English Colonization “New England.”  All other subsequent associations, and the very timing of the holiday, are an insult to deeper values, including not just 500 years of Native American subjugation and genocide but the subjugation and (near) genocide of the American South, and the progressive secularization of the United States from a Christian into a purely materialist and grotesquely indulgent and commercial nation, culture, and society.

It had been not until 1863, four days after the Gettysburg Address, when President Abraham Lincoln declared Thanksgiving to fall on the last Thursday of November, that the modern holiday was celebrated “nationally” (meaning, of course, in the Northern States).  With a few deviations, Lincoln’s precedent was followed annually by every subsequent president–until 1939. In 1939, Franklin D. Roosevelt departed from tradition by declaring November 23, the next to last Thursday that year, as Thanksgiving Day. Considerable controversy surrounded this deviation, and some Americans refused to honor Roosevelt’s declaration. For the next two years, Roosevelt repeated the unpopular proclamation, but on November 26, 1941, he admitted his mistake and signed a bill into law officially making the fourth Thursday in November the national holiday of Thanksgiving Day.  Supposedly, Roosevelt had considered making Thanksgiving earlier in November but this was “booed down.”

Once it’s all over, and the sales of Alka-Selzer and Gaviscon at the all-night pharmacies have gone sky high, and are guaranteed to remain there during the consumption of leftovers for the next week: someone else needs to second the motion and go on record as saying that of all our American Holidays, Thanksgiving is the absolute worst. Thanksgiving not only epitomizes but stands as a worldwide symbol of corruption, oppression, gluttonous commercialism, materialist secularism, arrogant conquest, and a general depravity of state of mind.  “Thanksgiving” as celebrated in this Country obscures our heritage and confuses our history, celebrates the absolute worst in the human soul, and was created in relationship and in lock-step with two key wars leading to the abolition of freedom and the constitution, and the coincidental economic centralization and falsification which took place during those wars, namely the War Between the States and World War II.  

Thanksgiving isn’t so bad for me.  I have a wonderful dinner with a wonderfully energetic young blonde overlooking the Pacific planned in Santa Monica, and next week I go to Hawaii.  

But I wonder what Thanksgiving is like this year for those several million Americans who were either  recently or earlier this year, or even last year, evicted from their homes.  I wonder how Thanksgiving is like this year for the millions more among those who are facing foreclosure and eviction who have no hope, no certainty that they will still be in their homes next year.  

It is time to get back to that “Old Time Religion” of Truth and Honesty and Virtue—and the Fourth Thursday of November Thanksgiving we have celebrated since 1941, or 1863, depending on which starting date you want to call “the beginning” is nothing but an accursed day of the Calendar.

Proclaimed and first set as a National Holiday by President Abraham Lincoln only fours days after the elegant but totally fraudulent, duplicitous rhetoric of the “Gettysburg Address”, meant to disguise his true Marxist purposes in going to war with the “better half” of the nation for the primary benefit of a few industrial oligarchs up north, and for the ultimate purpose of subverting the original American Constitution, Thanksgiving has become a source of degradation to three sets of “Native Americans”: those descended from the First Inhabitants of these Western Hemisphere Continents we call North and South America (aka “The Indians”) and those who fought to preserve the Constitution of 1787 against usurpation in 1861-65, and to all Traditional Christians who would celebrate Adventide as a proper time of fasting.  

I wonder how many people (black or white) in Richmond, Charleston, Columbia, Atlanta, Memphis, Natchez, Vicksburg, or Savannah were stuffed to the gills after great feasts on the final Thursday in November 1865-1875?  I wonder how many Americans (northern or southern) felt Thankful to live in America in November of 1876, when the sitting President, Ulysses S. Grant, had announced that the man who received the majority of the popular and electoral vote, Governor Samuel J. Tilden of New York, would never be allowed to enter the White House without a renewal of open warfare between the States.  

That same year, 1876, I wonder how many Sioux Lakota, Northern Cheyenne, and Arapaho warriors knew by late November 1876 that their victory over Presidential Aspirant George Armstrong Custer at Little Bighorn, June 24-25, 1876, had been turned into a rallying cry for the Republicans who needed a major distraction from the misery of post-“Civil War” Reconstruction America, and turned Sitting Bull and Crazy Horse into the scapegoats or major distraction for their own tyranny and failures back east.   Never did any victory have more devastating consequences for any race of people than the Battle of the Little Bighorn had for the Native Americans.  The remnant of that same coalition that defeated Custer was effectively wiped out within 15 years.  And what did November 1891, the first Thanksgiving after the Massacre at Wounded Knee, feel like in the Sioux Reservation in South Dakota, where the relatives of the murdered Sitting Bull and the descendants of Crazy horse were being either forcibly educated or trained for Buffalo Bill’s Wild West Show?  

To my grandparents growing up in Louisiana and Texas, there was no “Thanksgiving” in the early 20th Century because it was the enemy’s holiday.   The current setting of the Federal Holiday of Thanksgiving was not set until 1941—just as certain “insiders” in the government may have been planning for the Japanese attack on Pearl Harbor to force the United States into World War II.  

After eight years of the New Deal, in 1941, the Country was being reshaped, and Thanksgiving was part of its reshaping.  Thanksgiving chronically conflicts with and distracts from the beginning of Advent (almost always the final Sunday of November) and from St. Andrew’s Day, November 30—Saint Andrew being not only one of the 12 Apostles but the Patron Saint of Scotland, Greece, (the ancient “Second Rome” known as) Constantinople, Russia, and Romania among other places—and the Cross of Saint Andrew being the central element of the flags of Alabama, Florida, and the Confederate States of America.  

What’s worse than anything about Thanksgiving is the day after, “Black Friday”, the Macy’s day parade and the gunshot “sooner” start of the race to maximize the secularization and commercialism of the pre-Christmas Season.  Thanksgiving has become part of the Federal Government’s conspiracy to abolish religion in America; the Federal Holiday is thoroughly despicable as an attack and infringement St. Andrew’s Day and Adventide and so on the Christmas Season, the Scottish and Greek Heritage of Western Civilization, and the real meaning of all of these things.

To traditional Christians all over the world, the Season of Advent is a “Little Lent” as my mother called it—the second longest “purple time” at Church in the entire year.  How many people remember to buy Advent Calendars or to keep the solemnity of Mary’s time before giving birth?  No, the grotesque overeating of Thanksgiving followed by the mad orgiastic commercial rush to shop for Christmas presents is a creature of the past 70 years only, fed by Television and contributing to the general secularization of America.  It is a very sad thing.   To my mind, Thanksgiving as celebrated in the United States of America is an insult and a curse to all that is holy, whether one is a Native American of “First American” origins… a Native American of “Southern Anglo” origins, or a Christian with origins anywhere in the world.  Luckily, the personality of “Scrooge” will forever be associated with Christmas, but I say “BAH HUMBUG!” to Thanksgiving.  It is time to do away with Thanksgiving as invented by the 16th and 32nd Presidents (did you ever notice that the 32nd President was Twice as bad as the 16th, but continued all the same basis processes and policies?)???  

Obama, if legitimately he belongs in the “King List” at all, is the 44th President, but maybe by the time of the 48th President *(3 x 16), there will be a recovery in America, a REAL and GENUINE “NEW BIRTH OF FREEDOM” which will truthfully realize the promise of the RHETORIC of the Gettysburg Address by wiping out the centralized banks, income tax, and other institutional baggage of the 16th and restoring the Constitution of 1787, and the Bill of Rights.

Much like the Gettysburg Address, the 13th, 14th, and 15th Amendments contain only noble sentiments, but have been misused and wrongly applied to destroy rather than guarantee Freedom and Equality.  I have often commented that the greatest irony of all is that the modern “Prison Planet” state of existence in America owes its origins to the 13th Amendment, wherein “slavery and involuntary servitude” are abolished “except as a punishment for crime.”  They started building prisons during the war of 1861-1865, and the “criminal justice industry” has been growing by leaps and bounds ever since.  I say to the American People: “let’s tear down the prison walls.”  

But even worse than the perversion of the 13th Amendment and most pernicious of all of these perversions is the use that has been made of the 14th Amendment: turn the quest for equality of a perpetual war of all against all in the United States, guaranteeing that equality will only ever be achieved once we are all perfectly enslaved……  

This is one of those points where I think the “right” meets the “left”—Thanksgiving is a testimonial to the corruption of all that is good.  I want to thank Dr. John Hoopes of the Department of Anthropology at the University of Kansas (“ku.edu”) a co-author of papers on the Early Classic Period in the Maya Lowlands from our Harvard Graduate Seminar Days with Gordon R. Willey for pointing out to me how close my position is to that of the “AdBusters” group which sponsored “Occupy Wall-Street” (which I confess I have mostly just been ignoring).   They call it “Buy Nothing Day” and it’s been going on for 20 years (originally organized in Mexico City and Vancouver, two of my favorite places):

http://www.adbusters.org/campaigns/bnd

The Thanksgiving of 2009, after I had just lost my two primary residences, homes in Texas and California, within several months of each other, I spent in a seaside suite in San Clemente overlooking the Pacific with my son Charlie and my assistant Peyton.  But not everyone has that kind of luck in life.  I am Thankful to say this and every day that I have led something of a charmed life.  And for that reason, and because it is customary, I always wish everyone a Happy Thanksgiving.  But “enough is enough”.  This custom has got to stop.    Thanksgiving is like a gigantic perversion of the Calendar year, a gigantic dead skunk in the road of life every year in the same place—it is way too late in the year to be a Harvest Celebration except in places like Southern Florida and Southern Texas where winter crops can be planted and harvested.  

I personally live to fight for “corny old values” like Truth, Justice, and the American Way, for Family, Home, and Freedom, and to add one Senator for the Bill of Rights and against Indefinite Detention, against the PATRIOT ACT, and against the use of United States Troops in this Country against its own citizens.  

I give Thanks for the Beauty of the Earth, for the Splendor of the Skies, and for the Love which from our Birth, over and around us lies.  

But I do not give thanks for the election, re-election or even the existence of Barack Hussein Obama or the 93 Senators who voted for the NDAA this time last year—almost all of them (of those up for re-election) were reelected, including California’s own despicable hypocrite Dianne Feinstein, and there are some new Senators who would surely vote the same easy “pro-administration” way.

I do not give thanks that we live in a corporate-communist country where the boundary between corporate entities and the government is blurred beyond recognition in the unconstitutional “phony money” Federal Reserve Credit-Note economy.

Florida Judiciary—A Copyrighted Survey for use in fighting Mortgage Foreclosure Corruption—What do you know about your Court System? How Hungry are the American People for Justice?

There is no such thing as the silent exercise of your right to speak freely and share your opinion about the world you live in—effective silent protest occurs only in dreams….  We all dream of a better world, but we must speak out loud and SHOUT to make it into a demand, to make it happen…. Dreaming is free, but if we dream of freedom….especially in this, post-New Deal, New Dark Age for America…. that will cost us—what I ask of you today is just a few minutes of your time…  It’s time to make our anger “Catch Fire”…..and that can only happen if we all speak our discontent loudly and often….until there real change happens…. Nothing about modern America is more deplorable than the state of the judiciary and the courts…..

The fabulous hit movie this Spring, the Hunger Games, was a clarion call to the American People to WAKE UP BEFORE IT’S TOO LATE—even if it already is  in some easy ways “too late”, because so much damage has already been done.  Suzanne Collins has showed us the bleak future that awaits all of us if we are calm, cool, and quiescent about the terrible corruption that has taken charge of the American Dream, of Democracy, of (the mere word and illusion of) Freedom, of the Financial Establishment, of the Government, of everything that ever was or could be important to us: our family, our homes, and our future.   My primary focus for the past twenty five years has been on the Judiciary, 21 of those past years specifically involved in projects in Florida.  So I invite you to help me, and several million other people, out here: GIVE US YOUR OPINIONS, WITH YOUR NAME, AND STAND UP AND BE COUNTED, AND READY TO TESTIFY IF WE ARE EVEN ALLOWED TO PUT ON THIS TESTIMONY (as we should be):

Florida: 06-06-2012 DECLARATION CONCERNING JUDICIAL HABITS

Rule 406 of the Federal Rules of Evidence allows specific evidence of habit and routine practice to be admitted in Court.

Carrie Luft is seeking to overturn a Final Judicial Decree which was upheld on appeal in Florida.  The only way to reopen the case is the prove judicial corruption.  Wrongful foreclosure and fraudulent claims to standing, after a case is final, can only be proved if the system itself is indictable, if there is demonstrable systematic fraud on the Court—if the system is “broken,” if the judges are either “bought and paid for” or coerced into thinking in conformity with the Banks’ position.  All of these things have to be proved as a conspiracy to defraud and impose uniform outcomes on foreclosure cases.  It is a ONE THEORY, ONE SHOT, deal, although everyone who has been a victim can and could try (and I wish they would).
To prove this systemic corruption, which many people suspect, we need to gather EVERYONE who has been a victim together in one place, and that place is going to be reserved and formed through the complaint we are preparing in Carrie’s case.  If we fail, Carrie has no chance to regain her home, but I have already taken a blood oath that I will never stop until I have figured out a way to restore judicial integrity and moral honor to the judicial system in which I quite literally started my legal career, and of which I once dreamed of being an integral part.  Carrie is the first person I know who has accepted the challenge of doing everything that is necessary to try to take on the system.  Carrie literally has only this one option: prove that the system if “fixed”, broken, and corrupt.  I ask you, everyone who receives this survey:
IF YOU HAVE ANY EXPERIENCE WITH THE COURTS OF FLORIDA AT ALL, PLEASE COMPLETE THIS SURVEY, SIGN IT, SCAN IT and either E-MAIL IT BACK TO THIS ADDRESS: lincoln_for_california@rocketmail.com OR RETURN IT BY REGULAR MAIL TO
Peyton Yates Freiman, Tierra Limpia Trust/ Deo Vindice Foundation at:
603 Elmwood Place, #6 
Austin, Texas 78705
And if you have further or additional direct or circumstantial evidence of judicial corruption in Florida, how it is done and how does it, please write a letter about that as well.  We are looking to prove habits and routine practices of Judges according to Rule 406 of the Federal Rules of Evidence.  

06-06-2012 DECLARATION CONCERNING JUDICIAL HABITS

If you have any experience at all with the Florida Judicial System, especially if you have any experience with any mortgage or foreclosure related incidents, we need your opinion here…. Copyright to the survey itself, and to all material received will belong to Tierra Limpia Trust/Deo Vindice Foundation, Charles Edward Lincoln, III, Founder & President, Peyton Yates Freiman Trustee.

Please return all hard copies to:

Peyton Yates Freiman 603 Elmwood Place, Suite 6, Austin, Texas 78705.

If there were no minimum wage in the United States, how low would wages go?

Revisiting a topic I’ve discussed on this blog before, there was a new article on UK Yahoo, much to my surprise:

http://uk.finance.yahoo.com/news/should-we-scrap-the-minimum-wage.html

If there were no minimum wage in the United States, how low would wages go?  Would inflation come to an end?  How far might price deflation go?   Would outsourcing of American jobs stop immediately?  Would the power of labor unions increase or decrease (assuming freedom of contract and freedom to strike were preserved as a matter of constitutional right)?  Would anyone ever bother to immigrate illegally into the United States again? 

According to Wikipedia, “Many countries, such as NorwaySwedenFinlandDenmarkSwitzerlandGermanyAustriaItaly, and Cyprus have no minimum wage laws, but rely on employer groups and trade unions to set minimum earnings through collective bargaining.”  Is it coincidental that these are some of the countries with the highest standards of living in the world?  Higher than the standard in the United States?

The minimum wage was instituted in the United States as a matter of Federal Law in 1938, five years into Franklin D. Roosevelt’s New Deal.  Richard M. Nixon tried to impose “wage and price controls” as an antidote to inflation in 1971-72.  Nixon’s program was an unmitigated disaster and has not been repeated, but because of the mythology that the minimum wage guarantees a “living wage”, the Federal Minimum Wage is updated every few years.  It is an absurdity that one of the causes of inflation is automatically adjusted upwards to inflation.

My position is that government regulations such as the minimum wage stoke inflationary fires and provide no real security to anyone.  If elected to the United States Senate, I would propose a repeal of the Federal Minimum Wage and add a statutory clarification that any state-imposed minimum wage would constitute an unconstitutional infringement on the rights and obligations of contract, an infringement on Freedom of Association and Freedom of Speech, and a taking of liberty without due process of law.  

Let’s try to bring America in line with the most prosperous nations of Europe—ABOLISH THE MINIMUM WAGE!  MAKE AMERICA COMPETITIVE AGAIN!  Require EXCELLENCE in PRODUCTIVITY before automatic rewards.  

Oh, by the way, adjusted for inflation and currency, the average worker’s wages in Austria, Germany, Denmark, Sweden, and Finland, at least (countries with which I have some familiarity and have studied recently) have higher EFFECTIVE wages and lower rates of inflation than the United States of America.  Finland supposedly has the finest education system in the world.  America’s public educational system is a nightmare failure and should probably be abolished all together as one of the first and principal failures of governmental compulsory “welfare” laws.

Unintended Meanings of the Greek Golden Dawn: DEATH TO THE EURO! LONG LIVE THE GOLD STANDARD?

The worldwide windstorm over the slight electoral rise of a Patriotic Right-Wing party over the normally placid Aegean and Ionian Seas surrounding Greece was totally predictable.  Wow, to think that more than 7% of the population of the oldest still recognizable culture in Europe would take serious pride in that heritage.  The thread of continuity between Ancient and Modern Greece is in some ways tenuous, but still recognizable as a single ethnic tradition dating back well into the second millennium before Christ.  In no way can it be said that any other nation of Europe, even Italy, can trace its culture quite so continuously and directly from the dawn of the Bronze Age through the present, with a continuous language and alphabet, even if religion and all other mores have changed in pace with the rest of the continent.

And even the “surprising” showing of the Golden Dawn in the late Greek Election (which failed to form a government) still falls way short of Marine Le Pen’s 19% with the Front National in France, but way ahead of the catastrophic (near) collapse of the BNP and UKIP on the Patriotic (Identity) Right of British Politics, and far stronger than the NPD in any but the poorest sectors of (the former) East Germany.   And then of course, there simply is no genuinely patriotic political party of any significance whatsoever in the United States.  Sic Transit Gloria Mundi.

In reading about the Golden Dawn, I see no references to real “Classical Liberal” Economics (all the critics are too busy trying to associate “Golden Dawn” with National Socialism, which of course has very little either “liberal” or “Classical” about it, but has, really and truly, never been successful in any nation on earth except, ironically enough, Israel…..  

But the other constant theme in the new about the Greek Elections is the possible withdrawal of Greece from the “Euro-Zone”—which, naturally, I totally favor.  I favor in fact the total collapse of the “Euro” Zone and the restoration of fiscal sovereignty to every country, even to Germany which relishes it’s dominant position atop the “Euro” heap.  I say: “Francs for the French and Walloons, Lire for the Italians, Mark für die Deutsche Volk, Guildern for the Dutch, Schillings for the Austrians, Pesetas for the Spanish” and….. the oldest of all of these currencies, to be sure: DRACHMAE for the GREEKS.  I would love to see a collapse of all the international banks of Europe—what would people do?  I suppose they would just have to learn to garden again, grow their own food, how to build and repair their own houses again, in short, how to be self-sufficient and engage (barter) in mutual substantive economic assistance instead of mere formalistic exchange of worthless and meaningless central-bank notes.  What would be so horrible about that?  The “Brave New World” advocates all say we are heading towards a cashless society anyhow—well, I can envision a cashless society.  Historically they have existed: Our word “pecuniary” comes from the Latin “pecus” for cattle—the most solid and useful of all ancient currencies was surely the pan-Indo-European measure of wealth in head of cattle—it is a kind of value everyone from the Russian plains where the earliest Indo-Europeans built their Kurgans to the field of Celtic Ireland (before and after Saint Patrick), the earliest Italians, and Germans, and even the earliest Persians and Vedic Hindus…  Marvin Harris in Cows, Pigs, Wars, & Witches taught many generations of freshman anthropology students that the Hindu prohibition on killing cattle was in essence ecologically sound and practical….if a little bit disgusting and unclean to the Western sentimentality…

So as much as I cheer the rise of the Golden Dawn, I hope that its Greek supporters will infuse new meaning into those words GOLDEN DAWN: BANISH the EURO, BURY the BANKS, let there be a NEW BIRTH OF FREEDOM in EUROPE, and un vrai Renaissance d’orun verdadero renacimiento del pro.  

Of course, a Gold Standard is never really and truly a “standalone” monetary system.  Gold may be used for more abstract, “sovereign” media of exchange, but the people will always barter and exchange useful substances meat, computers, cattle and corn (corn in the old sense of “seed”, could be wheat, millet, oats, or sorghum, not necessarily Zea Mays L.).  Heavens: what if people had to learn how to put together their own circuit boards?  The “Communist” Chinese might have to set free their millions of high-tech world-worker slaves, and what would become of the world then?

I hope and pray that, whoever the Greek people elect, it will not be the Mitt-Romney-clone Nea Demokratia conformists.  I think that the Golden Dawn of Greece should bring Death to the Euro, but life to the Gold Standard, Death to Central Banks, but Life to the Economic Freedom of the People, and a Death to the “Shake and Bake” culture of Globalism, and Life to the traditional and autonomous culture of Greece.

One mystery remains in my mind concerning “the Golden Dawn” and it is entirely etymological.  Back in my halcyon days of studying Classical Languages and Anthropology, I remember fondly reading Homer’s famous often repeated poetic formula or phrase eos rhododactylos (“rosy fingered dawn”).  It is from “eos” as dawn, of course that we get the Eocene, Eolithic and other periods of history using this same word for Dawn.

But the Golden Dawn in Greek today is Chrysi Avgi, and I find this horribly irritating because Avgolemono (egg lemon) soup is one of my favorite Greek appetizers. Avgi should mean “eggs”—I will have to explore the Indo-European root situation more closely, but the Av root of modern Greek “Dawn” looks suspiciously like the root for “Aurora” (Latin “Dawn”).  Could there be some semantic-symbolic-psycho-etymological resonance between “Dawn” and “Egg” as beginnings?  Golden Eggs, of course, constitute, in comparative mythology, a whole different class of Jungian archetypes from Golden Dawns….  

But I still think that we should take note: Greece, in some ways, is the geographical center point of the culture which was the “Mother Goose” that laid the first Golden Eggs at the Dawn of European culture….I hope that Political Correctness will not kill this “Golden Egg” of a Patriotic Movement in far Southeastern Europe which so terrifies the Bankers of the West, from Banco Santander in Spain to the Bank of England’s home office on Threadneedle Street in London…

A Historical Perspective on Foreclosure Rates: 1,000 per day in 1933 vs. 10,000 per day in 2010

A TSUNAMI OF MORTGAGE FORECLOSURE & EVICTION

A wave of bank foreclosures and evictions has shaken the stability of the people of the United States of America from coast-to-coast in a manner without historical precedent.  While certain urban areas may have suffered higher rates during the great depression of the 1930s, one source reports that the foreclosure rate peaked in 1933 at 1000 homes going into foreclosure every day, nationwide[1].  A separate source reports that in the last quarter of 2010 there were 800,000 foreclosures filed in the Fourth Quarter alone[2].  One not educated in higher mathematics, Boolean algebra or statistics cannot easily calculate or articulate in meaningful terms what the difference between 1000 per day in 1933 and 800,000 per quarter in 2010 would be (although the 2010 figure appears to approach 10,000 per day), but one can fairly say that a disaster of tidal wave proportions grips this country by the throat and every class of society is equally affected except for the very richest of the richest, only perhaps the top half of the top 1% of the population can rest truly safe.


[1] http://homeguides.sfgate.com/historical-rate-mortgage-foreclosures-8868.html:

Depression-Era Information

A 2008 article by David C. Wheelock, an economist at the Federal Reserve Bank of St. Louis, cited annual reports issued by the Federal Home Loan Bank Board during the 1930s. These reports reveal that the foreclosure rate exceeded 1 percent from 1931 until 1935. At the worst point in the Depression-era economic crisis, in 1933, about 1,000 home loans were being placed in foreclosure by banks every day.

(Website quoted as of on-line report available and consulted January 29, 2012).

[2] http://www.housingwire.com/2011/01/12/foreclosures-reach-record-high-in-2010-realtytrac:

Daren Blomquist, who edits the RealtyTrac monthly reports, said the record set in 2010 will not last for long.

“We don’t think we’ve peaked yet nationwide,” Blomquist told HousingWire. “We’re expecting the 2011 numbers to be slightly higher than 2010, and then start the downward trend toward ‘normalcy’ in 2012.”

Saccacio said foreclosure filings would have been higher in 2010 “had it not been for the fourth quarter drop in foreclosure activity — triggered primarily by the continuing controversy surrounding foreclosure documentation and procedures that prompted many major lenders to temporarily halt some foreclosure proceedings.”

The final quarter of 2010 had the lowest total since the fourth quarter of 2008. Lenders filed slightly fewer than 800,000 foreclosure cases in the fourth quarter, down 8% from a year ago and down 14% from the previous period.

In December, filings dropped 26% from a year ago and 2% from the previous month. Lenders ramped up repossessions, REO, for the month by 4%, led by a 71% monthly increase in Nevada to 3,022 repossessions. However, Nevada REO was still down 24% from a year ago.

Overall, Nevada had the highest foreclosure rate for the fourth consecutive year. There, one in 11 homes received a filing in 2010 despite a 5% decrease in activity from 2009. Filings did ramp up 18% in December from the previous month and were up 14% from December 2009.

Arizona followed with the second highest rate. One in 17 homes there received a filing. Florida, one in 18, was third.

But Blomquist warned more foreclosures could be in store even for those markets that many believe are peaking now.

“There are some states and metro areas where it appears the numbers may have technically peaked, areas of California like Stockton are good examples,” Blomquist said, “but foreclosures are still pretty high in most of those areas and there is still risk that we could see some foreclosure aftershocks hitting those markets in 2011.”

(Website quoted as of on-line report available and consulted on January 29, 2012).

John Michele Fanuzzi & Norah Bawn Fanuzzi 01-31-2012 NOTICE OF OPPOSITION TO REMAND AND BRIEF IN SUPPORT OF REMOVAL TO US DISTRICT COURT

The Death & Destruction of Private Property in the USA: why are we so complacent?

The Christmas Season in the history-conscious Texas-Louisiana family where I grew up always ended with January 8, Battle of New Orleans Day.  I suppose this day was as important to the 19th Century South as 9-11 is to the World of the 21st Century… albeit it was a Patriotic Day of much greater optimism and affirmation of liberty than pessimism and fear of phantoms.

What amazes me at present is that the Presidential election season has started in earnest and nobody is standing up for the defrauded, the dispossessed and the defeated in this country despite the fact that no single episode of continuous destruction of homes, families, and private property has happened on the present scale anywhere in the USA since the War of 1861-1865, in the midst of whose sadly understudied sesquicentennial we are currently coasting, only partially aware, as seems to be the modern American norm.  But the truth is that it is only possible to understand what is happening in modern America if we realize that the destruction of private property is proceeding NATIONWIDE now at approximately the same rate as it was happening in Virginia and Georgia during the final year of the War Between the States in 1864-65.  Family and local heritage and inheritance are being wiped out, systematically, and with just as much government endorsement and approval as during any war, but without any attempt at justification.  I can only guess that the justification has already been written, and so it seems redundant to repeat it now: The Communist Manifesto of 1848, which is about to celebrate its 164th year in print (since 1848) predicted (well, actually, demanded) the centralization of banking and rampant extensions of frivolously predatory credit which have led to the present meltdown.  In the 1930s-50s, certain elites decided that if Communism was to be implemented in the United States, it had to be done gradually, stealthily, with the appearance of democratic approval and due process of law.   All continuity and “rootedness” in American communities is being subjected to massive disruption and near obliteration—long-term stability and inheritance of local knowledge and traditions is endangered.  The world is being “shaked and baked” into dependent homogeneity rather than independent diversity.   Individual ownership and family inheritance of real and personal property are being being wiped out in the interests of a destabilized society whose only recourse to survive is to depend upon the “generosity” and “benevolence” of an all-powerful government.  I can see no sadder end to civilization.

The official answer to these accusations was articulated recently by a San Diego attorney who is dedicated to the destruction of private property in favor of “corporate-governmental” ownership of property:

“Your letter below serves as an excellent example for why you should consider hiring an attorney who is familiar with the law. I am disinterested in discussing your theory that California Civil Code 2924 is in actuality a communist plot to divest the citizens of California of their right to hold private property. Or that the US Constitution can be construed to permit a person to default on their contractual obligations to pay their mortgage, without any consequence.

Our judgment has not expired, it is still a judgment in our favor and it is still good. Our writ has expired because they are only good for 180 days from the time of issuance. Therefore, we are moving for a new writ, which we are legally permitted to do.
Sincerely,
Jessica Partridge, Esq.
Associate Attorney
McCarthy & Holthus, LLP
1770 Fourth Ave.
San Diego, CA 92101
Phone: (619) 955-1508
Fax:     (619) 243-1979
I have to confess than when I was a law student and practicing attorney I simply did not know that the sole purpose of lawyers was to exploit people for personal gain while implementing whatever was the governmental oppression “du jour.”  And yet this is the literary stereotype of lawyers from Shakespeare through Moliere to Dickens.  It was certainly not the kind of law practiced by Marcus Tullius Cicero.   It was definitely the kind of law used against Joan of Arc (whose 600th birthday was celebrated yesterday in France by Front National Presidential Candidate Marine Le Pen—notably NOT by the sitting President Nicolas Sarkozy, who is at least insofar as his ancestry is concerned as much of or even more of a foreigner in France as Obama is in the United States, although Sarkozy’s foreign origins at least derive the same continent as France, unlike Obama who hails from a distinctly non-European, non-American family background, at least on his father’s [Kenyan, Communist, Mau-Mau] side).   One of the most amazing chapters in French History is how la Pucelle d’Orleans handled her own defense against English Clerical Inquisitors, and how she chose integrity and faith in herself and her own personal relationship with God over all earthly advantage or matters.   Another disturbing chapter in the history of lawyers based in France was of course the Dreyfus affair, which seems likely to be repeated ten thousand times in the next few years if America really does ever arrest and detain people under the provisions of the new National Defense Authorization Act which our own foreign President just signed into law within the past few weeks.
But I have digressed from the destruction of private property in America or the government’s support and endorsement of this destruction.  A recent write-up of governmental action as affirmation of the policy of national expropriation was recently brought to my attention and I want to share it:
Independent Foreclosure Review–Beware

Snapshot of the Newest Program

  • The review is not independent
  • The servicers are paying the “Independent Consultants”
  • The servicers are allowed to release “relevant” information to the “Independent Consultants”
  • “Eligibility” has been pre-determined
  • Forgery and fraud are not on the list of things to be reviewed

The Current Climate
We have become a nation of displaced people due to fraudulent and wrongful foreclosures conducted by the banks since the Mortgage Meltdown began in 2007.  Amherst Securities has testified that  1 out 5 homeowners are likely to lose their homes before this crisis ends.  It is estimated that there are at least 62 million securitized loans – loans with lost notes and unclear ownership.  These are the people being foreclosed upon by banks that cannot prove legal ownership.

Fraudulent foreclosures have rampantly permeated across all 50 states. The issue is not limited to robo-signing, or clerical errors, or bank ineptitude.  The issue is much deeper:  Does the bank have the legal right to foreclose?  Any foreclosure proceeding must include clear evidence that the bank is the rightful owner of the note, the deed or mortgage, and they have in their possession the original note with original signatures.  This is the crux of fraudulent foreclosures in our country today.

Yet, the Government has announced a new “program” to get your foreclosure process reviewed “independently”.  The concerns of most homeowner advocacy groups are that this new “independent Foreclosure Review Process is just another bank maneuvered government sham. Their concerns are well justified.  It is.

Analysis of the Independent Review Fact Sheet

A Fact Sheet explaining this new “opportunity” for homeowners, which has been put out by the Housing Policy Council, clearly shows this is not an independent review and homeowners should be very cautious of involving themselves in the process.  It appears to be yet another diversion orchestrated by the banks & US Government to get people’s attention diverted off the underlying issues of their loan and foreclosure using the time-honored and impartial justice system. Instead, tying them up in a very long bank-controlled review process that is anything but independent.
First, let’s take a look at who the Housing Policy Council is:

They are a bunch of bankers dictating to the Government while lining their pockets. They are a subsidiary of the Financial Services Roundtable, which is made up of members who provide mortgages to Americans.  They are a strong lobbying force in DC.  The Housing Policy Council estimates that 65% of all mortgages in the US are originated by the member firms of the Housing Policy Council.  Thus, he who created the foreclosure crisis, then the fraudulent foreclosures, and never once policed himself is in charge of the program to see if he “erred.”  How can this be an independent and impartial review?

This is the Opening Paragraph of the “Fact Sheet”:

“Fourteen U.S. mortgage servicers and their affiliates are making available free, impartial independent Foreclosure Reviews to certain of their borrowers . . ”

Our government must think we are really an ignorant lot.  The servicers who conducted the fraudulent foreclosures are making available this impartial and independent review.  I’m confident by now that anybody who is reviewing this information has safely concluded that there is no impartiality.

But there’s more:  “to certain of their borrowers”

It appears that you can be the victim of a fraudulent foreclosure, yet the independent review process is only available to a selected group.  That could work if that selected group is anybody who has suffered foreclosure proceedings since 2007 when the meltdown began, but that is not the case:

According to the fact sheet, that qualifying group only comprises those who believe they’ve been financially injured as a result of “servicer errors, misrepresentations or other deficiencies in the foreclosure process of their primary residence.”

Their omission of forgery (robo-signing,) and fraud (securitization which obfuscates who owns the loan and if they really are the owner) is a bit too obviously absent. More disconcerting however is the use of the word eligible mostly because of who is eligible.  Are they suggesting that second homes are investment properties were not wrongfully foreclosed upon?

“Borrowers are eligible to submit a Request for Review if 1) their loan was serviced by one of the participating mortgage servicers, 2) their loan was active in the foreclosure process between Jan. 1, 2009 and Dec. 31, 2010, and 3) the property securing the loan was their primary residence.”

Thus, you are eligible if your lender is participating, if it happened during the specified dates and if it was a primary residence.  There’s a word for this:  It is known as minimizing.

Fraudulent foreclosures didn’t only happen to the eligible group.  If the lender is “participating” doesn’t that suggest this activity isn’t independent, and who decided that we only had issues for the past two years?  What about the lenders who don’t participate?  Let’s face it.  If you committed forgery and fraud, participation isn’t a luxury or choice that you have, prosecution and jail time are your fair due.  So why do we get to hear about lenders who are participating, like they signed up to be in a special club?  That’s not independent.

Also of concern, it’s already been determined by the independent group if you are eligible and they’re going to let those 4.5 million borrowers know by mailing them a letter explaining all this.

For those millions of you who have since moved on:  I wonder if they have your new address.  What if your mail forwarding has expired?

The independent review is also pre-determining what would constitute a financial injury, again, forgery and fraud are not on the list.

They’re claiming the process “could take up to several months”. Following in the footsteps of HAMP, more realistically, you will be tied up in this for the next several years, while valid statutes that could have served you well in court expire.

And worst of all, they have decided that the “Foreclosure Reviews will be conducted by independent consultants engaged by the servicers and approved by official sounding government entities.  That is only part of the problem, however.  There’s only one company being used by “all the participating” servicers to manage the incoming complaints.

And the final blow to the word independent comes in the closing paragraph:  Once the request for review forms have been collected by this single vendor, the servicer will provide relevant documents to the independent consultant.

It’s clear that this review should be considered with a cynical eye, and wary countenance.  Unless you show the fraud and forgery in your loan, don’t think it will get revealed by those ‘independents.’

Consider a full securitization audit to include with your submission if you do choose to do this process, minimally get an investigation for robo-signing.  Don’t be duped into thinking once again that the bank and the government are actually going to fix the mess they made of your loan and your life.  Your safer route is to pursue your lender in a court of law, after you’ve gotten that audit and now have the evidence of the fraud and forgery committed in your loan.  Most likely in successful cases, the compensation approved by a judge will be much greater than what you could expect to see from this ‘program’.

Here’s an excellent article that you should read:  Tila Solutions is not the only group expressing concerns over this program. http://www.nytimes.com/2011/12/25/business/foreclosure-relief-dont-hold-your-breath-fair-game.html?_r=2
Sara Miller

I have Registered as a Candidate for United States Senator, running as a Constitutional Democratic-Republican against Dianne Feinstein, that pillar of the Establishment

http://www.youtube.com/watch?v=Myyyf3A5uEE&feature=related
I was playing this very inspiring video with JFK, MLK, Jr., and Ron Paul on my I-Pad to a small group in Room 2013 on the second floor of the the Los Angeles County Registrar’s Office for Candidate Registration today. Kennedy was at least nominally a Democrat, although it appears he may have been assassinated, at least in part, for opposing the Federal Reserve and in particular the plan to take silver out of circulation, and hence as a basis for the United States Dollar….which had been “silver” since at least the 1780s…. I was waiting while an even smaller group of unusually efficient bureaucrats processed the paperwork necessary to put my campaign “on-line.”

And so it was that on Friday, December 30, the last business day of 2011, I filed formal campaign papers to run for U.S. Senate against Dianne Feinstein. Many of California’s representatives in Congress are traitors, and should be removed, although I noted with some satisfaction that in the Los Angeles Basin proper, only the very oldest New World Order Advocate/Brave New Warrior Henry Arnold Waxman, voted for the National Defense Authorization Act of 2011…(Fiscal 2012, aka “Indefinite Detention without charges, due process of law, or habeas corpus). Nancy Pelosi, of course, voted with Waxman and the establishment, as did Adam Schiff and Howard Berman, but in the spirit of fairness, I think we owe at least the following 18 Democratic and 4 Republican Representatives on the California delegagtion credit for their courageous “no” votes:
No CA-1 Thompson, C. [D]
No CA-4 McClintock, Tom [R]
No CA-5 Matsui, Doris [D]
No CA-6 Woolsey, Lynn [D]
No CA-7 Miller, George [D]
No CA-9 Lee, Barbara [D]
No CA-12 Speier, Jackie [D]
No CA-13 Stark, Fortney [D]
No CA-14 Eshoo, Anna [D]
No CA-15 Honda, Michael [D]
No CA-16 Lofgren, Zoe [D]
No CA-17 Farr, Sam [D]
No CA-31 Becerra, Xavier [D]
No CA-32 Chu, Judy [D]
No CA-33 Bass, Karen [D]
No CA-34 Roybal-Allard, Lucille [D]
No CA-35 Waters, Maxine [D]
No CA-36 Hahn, Janice [D]
No CA-38 Napolitano, Grace [D]
No CA-40 Royce, Edward [R]
No CA-46 Rohrabacher, Dana [R]
No CA-48 Campbell, John [R]

http://www.govtrack.us/congress/vote.xpd?vote=h2011-932

I am grateful that the primary is non-partisan, because partisan labels “Democrat” and “Republican” now mean nothing except that third-party candidates are doomed. The “top two” selection process without a primary and runoff is ALSO unfairly stacked against the outside, but we shall see whether the number of ordinary Californians (in the tens of millions) can recognize their common grounds and identify with me. I call out to everyone who has been defrauded of their vested contractual rights their homes, their jobs, and their property, defeated in every court and administrative proceeding, and dispossessed of all their rights, title, and interest in life, liberty, and property….and so consistently defeated and frustrated for a very long time in their pursuit of happiness…of the American Dream— I call out to everyone with a family member now or recently in jail, on probation, or under investigation…. I call out to everyone who used to be one of the “haves” and is now a “have not”, or who has never been invited to the table of prosperity at all, to join me in fighting for the end of deceit, lies, and prevarication as policies of governmental manipulation and control. We must divest the banks and the corporations of their controlling positions in society and thus destroy the military-industrial-financial complex which has made government subservient to the few rather than the many. In particular, we must take American land and jobs off the world market—to be bought and sold into slavery by massive foreign interests with no commitment to freedom or democracy, and to restore American productivity. Let them scream in Beijing and Shanghai, Mumbai, Islamabad, Calcutta, Bangkok, and Singapore, calling us “isolationists” and “protectionists” and we will know that we are on the road toward being a happy and prosperous nation again. Let us learn from the disaster in Europe and start dismantling our Central Banking system and abolish fiat currency and reckless credit regimes before they together flatten and wreck us. Let us restore private property to our people and so replace welfare slavery with independence as the primary way of life. Let us even accept that we will all have to work harder, be poorer, and use our minds with more discipline and vigor if we are ever really to be free and stand upright to each other as citizens and to the world again. And in relation to the world, let us indeed “leave them alone.” If Sharia law is the will of the people in Amman, Algiers, Baghdad, Benghazi, Cairo, Damascus, Khartoum, Tehran, Tripoli, and Tunisia, let those people have their way. We will leave them alone and they will leave us alone—I have no doubt of it! Good fences make good neighbors so long as the dogs of war don’t jump over them….and so long as we control ours, I believe they will control theirs. “Terrorism”, as it has been analyzed and applied in the past twenty years, really DOES begin at home you know….
http://www.corbettreport.com/911-a-conspiracy-theory/