Philadelphia Man Moves to Foreclose on Wells Fargo Over Mortgage



Philadelphia Man Moves to Foreclose on Wells Fargo Over Mortgage
Feb. 17, 2011
Business Digital Reporter

The saga began in 2009, when Patrick Rodgers first wrote to Wells Fargo, requesting itemized information about the mortgage on his home in Philadelphia. His homeowners’ insurance provider was forcing him to take out a $1 million policy on his home, which he maintains is worth far less than that.When a Philadelphia man became fed up with his bank for failing to respond to his mortgage questions, he took them to court and won. In a twist that will warm the hearts of millions with underwater loans, he moved to foreclose on Wells Fargo’s local office.

Over the next year he sent at least four letters to Wells Fargo from June to September and got exactly no replies.

The bank, he said, insisted on what’s known as forced-place home insurance, which cost $2,400 a year.

“They insist people insure for the replacement value of the home which is what it would cost to rebuild home exactly as it was,” said Rodgers. “I live in a lovely house that is 100 years old and the craftsmanship is absolutely beautiful.”

But Rodgers said the market value of the home is not $1 million because his neighborhood is “not too far from the wrong side of the tracks” in West Philadelphia. He bought his 3-story Victorian home for $180,000 in 2002.

Rodgers did some research and learned that the Real Estate Settlement Procedures Act, or RESPA, passed in 1974, requires that a mortgage company acknowledge written requests within 20 business days, or face damages or penalties.

So he went to court, citing the law, and received a $1,173 judgment against Wells Fargo. The bank did not respond to his action and he won a default judgment. Then Rodgers placed a sheriff’s levy against Wells Fargo’s local mortgage office for the judgment, plus interest.

“I think it’s important for people to know this RESPA law exists and if their mortgage company is doing something irregular or shady, you can send a letter,” said Rodgers, who said he did not hire a lawyer. “And if they don’t acknowledge your request, they face damages or penalties.”

He said he was surprised that Wells Fargo has still not responded despite media attention about his story, as first reported in the Philadelphia Inquirer.

Wells Fargo Mails Checks in Radio Silence

Wells Fargo finally responded with two checks – $1,078 on Jan. 14 and $95 on Jan. 26 – but he said he still had not received a response to his letters.

So he turned to the Philadelphia sheriff’s office to initiate a sale of the Wells Fargo Home Mortgage office in Philadelphia.

On Tuesday the court placed a temporary stay on the sale, and ordered a hearing on Feb. 23 to determine the final status.

Rodgers said he is now awaiting $50 from Wells Fargo for the cost of initiating that sale. He said the sheriff’s sale can continue until then, barring an unfavorable judgment from the hearing, which he does not expect.

“Why Wells Faro doesn’t pay $50 is beyond me, but you never know what’s going on in the mind of these big companies,” Rodgers said. “They’ve just been nonresponsive.”

Wells Fargo spokeswoman Vickee Adams didn’t speak to why Rodgers’ inquiries went unanswered, but said that the obligation of the mortgage contract is that the homeowner carry insurance.

“We were surprised to learn about the sheriff’s sale because we sent him the funds and we thought the matter was resolved,” she said. “We fully expect this to be concluded later this month.”





Bank of America Whistle-Blower’s Bombshell: “We Were Told to Lie”



Bank of America’s mortgage servicing unit systematically lied to homeowners, fraudulently denied loan modifications, and paid their staff bonuses for deliberately pushing people into foreclosure: Yes, these allegations were suspected by any homeowner who ever had to deal with the bank to try to get a loan modification – but now they come from six former employees and one contractor, whose sworn statements were added last week to a civil lawsuit filed in federal court in Massachusetts.


“Bank of America’s practice is to string homeowners along with no apparent intention of providing the permanent loan modifications it promises,” said Erika Brown, one of the former employees. The damning evidence would spur a series of criminal investigations of BofA executives, if we still had a rule of law in this country for Wall Street banks.



The government’s Home Affordable Modification Program (HAMP), which gave banks cash incentives to modify loans under certain standards, was supposed to streamline the process and help up to 4 million struggling homeowners (to date, active permanent modifications number about 870,000). In reality, Bank of America used it as a tool, say these former employees, to squeeze as much money as possible out of struggling borrowers before eventually foreclosing on them. Borrowers were supposed to make three trial payments before the loan modification became permanent; in actuality, many borrowers would make payments for a year or more, only to find themselves rejected for a permanent modification, and then owing the difference between the trial modification and their original payment. Former Treasury Secretary Timothy Geithner famously described HAMP as a means to “foam the runway” for the banks, spreading out foreclosures so banks could more readily absorb them.



These Bank of America employees offer the first glimpse into how they pulled it off. Employees, many of whom allege they were given no basic training on how to even use HAMP, were instructed to tell borrowers that documents were incomplete or missing when they were not, or that the file was “under review” when it hadn’t been accessed in months. Former loan-level representative Simone Gordon says flat-out in her affidavit that “we were told to lie to customers” about the receipt of documents and trial payments. She added that the bank would hold financial documents borrowers submitted for review for at least 30 days. “Once thirty days passed, Bank of America would consider many of these documents to be ‘stale’ and the homeowner would have to re-apply for a modification,” Gordon writes. Theresa Terrelonge, another ex-employee, said that the company would consistently tell homeowners to resubmit information, restarting the clock on the HAMP process.




Worse than this, Bank of America would simply throw out documents on a consistent basis. Former case management supervisor William Wilson alleged that, during bimonthly sessions called the “blitz,” case managers and underwriters would simply deny any file with financial documents that were more than 60 days old. “During a blitz, a single team would decline between 600 and 1,500 modification files at a time,” Wilson wrote. “I personally reviewed hundreds of files in which the computer systems showed that the homeowner had fulfilled a Trial Period Plan and was entitled to a permanent loan modification, but was nevertheless declined for a permanent modification during a blitz.” Employees were then instructed to make up a reason for the denial to submit to the Treasury Department, which monitored the program. Others say that bank employees falsified records in the computer system and removed documents from homeowner files to make it look like the borrower did not qualify for a permanent modification.


Senior managers provided carrots and sticks for employees to lie to customers and push them into foreclosure. Simone Gordon described meetings where managers created quotas for lower-level employees, and a bonus system for reaching those quotas. Employees “who placed ten or more accounts into foreclosure in a given month received a $500 bonus,” Gordon wrote. “Bank of America also gave employees gift cards to retail stores like Target or Bed Bath and Beyond as rewards for placing accounts into foreclosure.” Employees were closely monitored, and those who didn’t meet quotas, or who dared to give borrowers accurate information, were fired, as was anyone who “questioned the ethics … of declining loan modifications for false and fraudulent reasons,” according to William Wilson.


Bank of America characterized the affidavits as “rife with factual inaccuracies.” But they match complaints from borrowers having to resubmit documents multiple times, and getting denied for permanent modifications despite making all trial payments. And these statements come from all over the country from ex-employees without a relationship to one another. It did not result from one “rogue” bank branch.


Simply put, Bank of America didn’t want to hire enough staff to handle the crush of loan modification requests, and used these delaying tactics as a shortcut. They also pushed people into foreclosure to collect additional fees from them. And after rejecting borrowers for HAMP modifications, they would offer an in-house modification with a higher interest rate. This was all about profit maximization. “We were regularly drilled that it was our job to maximize fees for the Bank by fostering and extending delay of the HAMP modification process by any means we could,” wrote Simone Gordon in her affidavit.




It is a testament to the corruption of the federal regulatory and law enforcement apparatus that we’re only hearing evidence from inside Bank of America now, in a civil class-action lawsuit from wronged homeowners, when the behavior was so rampant for years. For example, the Treasury Department, charged with specific oversight for HAMP, didn’t sanction a single bank for failing to follow program guidelines for three years, and certainly did not uncover any of this criminal conduct. Steven Cupples, a former underwriter at Bank of America, explained in his statement how the bank falsified records to Treasury to make it look like they granted more modifications. But Treasury never investigated. Meanwhile, the Justice Department joined with state Attorneys General and other federal regulators to essentially bless this conduct in a series of weak settlements that incorporated other bank crimes as well, like “robo-signing” and submitting false documents to courts.


These affidavits, however, should return law enforcement to the case. William Wilson, the case management supervisor, alleges in his statement that this “ridiculous and immoral” conduct continued through August of 2012, when he was eventually fired for speaking up. That means Bank of America persisted with these activities for at least six months AFTER the main, $25 billion settlement to which they were a party. So state and federal regulators could sue Bank of America over this new criminal conduct, which post-dates the actions for which they released liability under the main settlement. Attorneys general in New York and Florida have accused Bank of America of violating the terms of the settlement, but they could simply open new cases about these new deceptive practices.


They would have no shortage of evidence, in addition to the sworn affidavits. According to Theresa Terrelonge, most loan-level representatives conducted their business through email; in fact, various email communications have already been submitted under seal in the Massachusetts civil case. State Attorneys General or US Attorneys would have subpoena power to gather many more emails.


And they would have very specific targets: the ex-employees listed specific executives by name who authorized and directed the fraudulent process. “The delay and rejection programs were methodically carried out under the overall direction of Patrick Kerry, a Vice President who oversaw the entire eastern region’s loan modification process,” wrote William Wilson. Other executives mentioned by name include John Berens, Patricia Feltch and Rebecca Mairone (now at JPMorgan Chase, and already named in a separate financial fraud case). These are senior executives who, if this alleged conduct is true, should face criminal liability.


Bank accountability activists have already seized on the revelations. “This is not surprising, but absolutely sickening,” said Peggy Mears, organizer for the Home Defenders League. “Maybe finally our courts and elected officials will stand with communities over Wall Street and prosecute, and then lock up, these criminals.”


Sadly, it’s hard to raise hopes of that happening. Past experience shows that our top regulatory and law enforcement officials are primarily interested in covering for Wall Street’s crimes. These well-sourced allegations amount to an accusation of Bank of America stealing thousands of homes, and lying to the government about it. Homeowners who did everything asked of them were nevertheless pushed into foreclosure, all to fortify profits on Wall Street. There’s a clear path to punish Bank of America for this conduct. If it doesn’t result in prosecutions, it will once again confirm the sorry excuse for justice we have in America.


Read the full affidavits from the active court case here.




David Dayen

Source link

Note: After losing my position with DirecTV as Sales Supervisor in 2008 in Los Angeles, I spent the next year floating between four different Loan Modification company’s. At first I was excited because I was under the impression I was doing something to help distressed homeowners. Unfortuantley it didn’t take long in each position to realize the first two companies were obviously being run by crooks, the last two were slicker in their game but in time I came to the final conclusion that the entire industry was a sharks nest full of people embezzling whatever they could from the system without a care in the world for the homeowners who’s homes were being stolen by the banks.

A very good friend of mine also worked for JP Morgan Chase (L.A.)  in the foreclosure dept, his stories were exactly the same as those told by BoFA whistleblowers above, with one exception. He confided in me that Chase was bundling foreclosed homes and selling them to the Chinese is in secret backroom negotiations.

Four months after moving to Hawaii in 2010 I lost track of him when the same phone he had four six years was disconnected. He was an honorable person, worked with integrity and a very stable individual who was quite disturbed with the position he was put in…

I hope he’s alright and didn’t end up taking the fall. The entire industry is full of crooks and gangsters in suits.


How to deal with the Sheriff of The Court ~ Micheal Tellinger, UBUNTU



From the Desk of Michael Tellinger and the Ubuntu Party in co-operation with Ubuntu USA:


How to deal with the Sheriff of The Court Protect your property – know your rights – stand your ground Every day millions of people around the world are deprived of their property when a Sheriff of the court, or a Court Bailiff, or other, arrives at their home and begins to remove or attach their property – in most cases unexpectedly and also unlawfully.

But because our laws were not written to benefit people, but to rather uphold the rights of the corporations, the average person does not know what to say or what their rights are to prevent their property from being taken against their will.

The business of a Sheriff is not an ordinary private business or private enterprise. While they do operate as a business, they are heavily regulated and tightly governed by statute law – this works in favor of the people if they know what to say.

This document outlines what has come to our attention as the legal and lawful rights of all people, and what seems to be legal loophole in the system for our benefit – to pay the sheriff with a lawful PROMISSORY Note, drawn up by you and endorsed by you – when he/she arrives on your doorstep unexpectedly.

Such situations are highly stressful and people panic and go into shock and forget their own rights or how to respond. So please pay careful attention and memorize this information – it has to come naturally to you so that you do not panic and stumble on your words when facing a sheriff.
There is nothing to be afraid of – just having the courage to know your rights and how to stand your ground. Knowledge is power – use it for your own benefit.

If this does not make sense to you, then you need to understand two things:
1.    You need to understand how the money and banking system works outside the scope of this document; and
2.    A Promissory Note is defined as “incorporeal property” and lawful means of payment in most countries of the world; and
3.    Accept that to a certain degree at least, this is a legal loophole that we can use to the benefit of the people against the draconian and unlawful activities of the banks and government.

In South Africa, the settlement of a debt using ‘incorporeal property’ is, prescribed among other places, in the High Court Rules of South Africa as follows: (Click here to see use of promissory notes in the United States and Internationally)

Rule 45 (8) If incorporeal property, whether movable or immovable, is available forattachment, it may be attached without the necessity of a prior application to courtin the manner hereinafter provided:

(a)    Where the property or right to be attached is a lease or a bill of exchange, promissory note, bond or other security for the payment of money, the attachment shall be complete only when-

(i) notice has been given by the sheriff to the lessor and lessee,mortgagor and mortgagee or person liable on the bill of exchange or promissory note or security as the case may be, and
(ii) the sheriff shall have taken possession of the writing (if any) evidencing the lease, or of the bill of exchange or promissory note, bond or other security as the case may be, and

We have it on record from a hearing in the South Gauteng High Court, in the matter between STD Bank vs Tellinger, that the banks accept payment in Bills of Exchange AND Promissory Notes. The attached promissory note is compiled from its relevant definitions in the South African Bills of Exchange Act – see attachment.

NOTICE: This form of payment should only be used for banks – not to pay other people or small companies. They do not know what to do with such a form of payment – banks do. It is therefore our opinion that you can use a Promissory Note, drawn up by you, to pay the Sheriff because it is a payment is to the Bank. You should not use this method for the settlement of non-bank debts.

The Sheriff has his instructions and must follow strict legal guidelines. He is not a legal expert especially on the issue of promissory notes and Bills of Exchange – therefore it is not his place to enter into an argument with you about the merits of the form of payment. You have to stand your ground on this point. If the Sheriff does not accept your payment, then he must complete a Return of Service sheet to return to the bank’s attorneys and furnish you with you a copy.

Here is the sequence of events that the Ubuntu Party recommends. You have been conditioned to be terrified of a Sheriff or other persons of authority. Please study this and try to feel comfortable with all this information so that it is easy to remember what to do. Do not panic – do not be afraid.

Have the following handy:
·    A piece of paper and a pen,
·    A small black book that you can purchase from any stationary store,
·    Print out the attached promissory note with your details and serial number on it – have a few ready in your home in a place that you can find easily .
·    If you are able (not critical) record or film the entire conversation with a camera, cell phone or recording device.

Sequence of events:

1)    The Sheriff arrives and will most likely introduce himself as being “from the Sheriff’s office.” This is not good enough.

2)    Ask him/her for ID – do not let them onto the property without ID that states he/she is a Sheriff of the Court. Best is to stop them at the gate or door. Copy all relevant details down onto the piece of paper. Don’t rush. Take your time and be thorough.

3)    Demand a copy of the “writ of attachment” or “execution” or “valuation” – take a good look at it and make sure it is what he says it is. Again, take your time. Look for anything out of the ordinary (incorrect dates, pages not signed, etc.)

4)    Look for the total amount written on his documents – but don’t comment or mention anything at this stage.

5)    Say the following: I am willing and able to dispense with payment immediately, please wait here while I get it.

6)    Fetch your blank Promissory Note (attached) and “black book” to write the details of the NOTE in.

7)    Ask the Sheriff for the “all total”.  Say to him: “What is the ‘all total – or full and final settlement to dispose of this matter?”

8)    The “all total” is the full amount including costs; interest; fees; sheriff’s costs; attorney costs, and any other fees that may have been approved by the tax master.

9)    The sheriff will most likely make a call to the lawyers for the “all total.”

10)    Get the total amount from the Sheriff and fill in the Promissory Note.

11)    If sheriff asks what you are doing, say, “I am tendering payment, please be patient.”

12)    If he continues to ask what you are tendering, say: “I am settling this with a Promissory Note – it’s something like a check, but a Promissory Note is guaranteed because it is a liquid negotiable instrument. Kindly check High Court Rule 48 (8) (a) under ‘incorporeal property’ for confirmation.

13)    Do not be scared to sound like a robot or if you sound funny reading it out loud. The performance of a Sheriff is robotic in itself, so do not worry about how you sound.

14)    In your “black book,” fill in the details of your Promissory Note, the same way that you would fill in a check stub for your records. Date – Amount – To whom – Serial number of your promissory note.

15)    Then you sign below the information and hand the book to the sheriff to sign – do this rapidly, saying, “Please just sign here,” and hand him the pen. Urge him to sign.

16)    Hand him the Promissory Note only after he has signed the black book.

17)    If he signs the book, the matter is closed and he has accepted your payment. He now has to file a Return of Service stating that he received payment of ……….. Rand/Dollars/etc – and he has to leave your premises.

18)    Demand a copy of the Sheriff’s Return of Service document, that clearly shows that a payment of …xxx…rand/dollars was received from you.

19)    The bank has three days to challenge or refuse your payment by means of a special petition. If they do not petition within 3 days the matter is settled. The Sheriff cannot come back with the same summons.

20)    The bank will have to start a whole new legal action against you with a new summons.

21)    If he refuses to sign and obstructs the process, repeat to him that you are attempting to settle the full amount or the “all total” and that he is obstructing you to do so. Say, “I hereby state for the record that I am attempting to settle the all total with a lawful payment via my Promissory Note and you are obstructing me and preventing me from doing so.”

22)    Continue: “The payment is made in terms of the Bills of Exchange Act 34 of 1964 as amended by Act 56 of 2000;  and it is also a settlement in full as specified in terms of High Court Rule 45(8)(a).”

23)    If sheriff continues to be difficult not understanding what you are doing and wanting to proceed with his normal routine of attachment, tell him the following.

24)    “I have tendered your full payment of… rand/dollars and you have refused acceptance without qualification. I demand that you endorse on your Return of Service that you have refused to accept a lawful payment in the amount of Rand/dollars, and rejected without qualification my payment.

25)    The sheriff is not entitled to refuse a payment because he is an agent – make him aware of it. In other words, explain to him that he is an agent operating as an intermediary and he is bound by the rules of the Court and the rules pertaining to Sheriffs.

26)    He must, as an agent, receive a lawful form of payment. Further explain him that he is not acting according to his mandate.

27)    Demand a copy of the Sheriff’s Return of Service.

28)    The Sheriff may NOT proceed with any attachments on your property OR even writing up any items, because:
a)    You have tendered lawful payment  -AND –
b)    He has issued you with a Return of Service – OR –
c)    He has refused payment and needs to file a Return of Service to the bank that states what transpired.

29)    If the Sheriff insists on entering and attaching your property, ask him to leave or you will call the police.

30)    NOTE: Sheriffs have been widely known to call “their own police” who are usually police acting outside their mandate, paid for by the Sheriff. Should this occur, you must call the police yourself. It is also highly recommended that you have friends on speed dial who can show up to support you and act as witnesses. You must get names and ID numbers of all police who you encounter.

31)    Remember that this is a CIVIL matter between the Bank and you – it is NOT a CRIMINAL matter – so the police may not assist the Sheriff in entering your home.

32)    The Police are there to maintain the PEACE – so if the Sheriff wants to enter your property by force, the police should protect you.

33)    The Sheriff needs to present different documents that rely on proof of a criminal offense to get assistance from the police. Stand your ground on this issue.

34)    Inform him that he has exceeded his mandate and he is now trespassing.

35)    Ask the police to arrest the Sheriff for unlawful entry and trespassing, after you have warned him, and ask them to charge him with intent to remove your property without cause.

36)    An additional charge may be: an attempt to extort money from you without legal invoice. This is the “all total” that the sheriff gave you earlier, without an official invoice. Nobody can demand payment without an invoice.

37)    There may also be a possible case of fraud against the Sheriff and the lawyers and the bank, who gave him the “all total.” Because the total will most likely not be accurate – the common practice by the lawyers is to inflate these amounts without adding it up accurately.  Put simply, if they feel you are ready to pay, the lawyers may inflate the amount, in belief that you are willing to settle. This is another reason why you should record the conversation.

38)    The Sheriff may be guilty of refusing lawful payment; extorting money without an invoice and inflating the amount payable.

See generic Promissory Note below. Please adapt it with your details – create your own sequence of serial numbers for each consecutive note; print out a few blank notes; and keep them in a safe place with easy access. This Promissory Note is suitable for South Africa and other countries where the existing money no longer states “I promise to pay the bearer.”

We suggest that in the UK and other countries, where it still states as such, the promissory note may not need the Terms & Conditions of payment, but be a pure “promissory note”.  The state will claim that their notes are underwritten by the treasury and therefore have value – which is not really true. Because the state depends on the goodwill of the people to have “trust” in the state currency, which is an empty promise to pay, since the currency is not supported by any precious metals.

The people, on the other hand, may claim that their Promissory Notes are underwritten by the One People’s Public Trust 1776, of which every living breathing human being is automatically a beneficiary and therefore can use the TRUST to underwrite their own promissory notes. The OPPT was established on 10 September 2012, by its own Declaration and Order, lodged with UCC office in Washington, DC, under filing number 2012096074 and is a bona fide TRUST of the people of the planet.

Without Prejudice – Non Assumpsit – All Rights Reserved

Link to original article / Ubuntu Party



“So I walk into a bank..” Foreclosure Flyer 6 May 2013

Would love to be a fly on the wall when the Regional Bank Manager drops in for a routine visit, to watch that conversation go down…lol! Well, that’s the nature of fractal reality…it’s a process that can go in any direction, but ultimately the similar energetic patterns will keep manifesting. Great DO-ing Chase, thank you for BE-ing the change! You give us all a great example to follow, you’re putting us old folks to shame…much love!

Published on May 6, 2013

Chase Binnie Chase Binnie

CapitalOne Bank manager decides to post the Foreclosure Flyer in the employee break room at the bank.



April 18th, 2013

(UPDATE: Yes, the UN is foreclosed. What is proposed below is using the existing structure as a tool to accomplish a specific objective. Entities, such as the UN are not corrupt by nature, they have simply been corrupt-ed by those who have been in control. Move aside those controlling, what is left could pose to be an incredibly valuable resource.)

Important Note: In the last 48 hours I have been debriefed on some major new developments which appear to be unfolding quite rapidly. In honoring my pledge to support Absolute Transparency, I will be sharing ALL intel as it is received.

As I have said before, my main objective is to offer information. The only requirement at this point, is to keep an open mind, an open heart, and watch, unattached to any specific outcome, as the story unfolds.

OK, here we go. Why is this video important?

Because it presents a potential answer to the question many have been asking since day one, “how will the UCC-1 filings and foreclosures be enforced?” Up to this point, it is we “the people,” through our own individual acts, and exercising protocols such as the Courtesy Notice, who have been doing all the enforcing. Although, considering the greater percentage of the population remain unaware of what has been done, their belief and support of the old systems provides the very element for their existence to continue.

I realize the latest development with SWISSINDO are still new to everyone, but what if their group could provide the resources, both in manpower and financial, to allow for the final dismantling of the BIS, IMF, Federal Reserve and the world governments? Would anyone else be interested in seeing that manifest? This is NOT about another war, this is NOT about fighting or bloodshed. What this IS about is building a bridge for a peaceful transition to a new system. That of which, being the I U/V Exchange.

For the full context of this release, it’s important to go back and re-read the Military Order filed in the UCC back on September 10, 2012. At the bottom of page 4, it reads:

BY POWER OF DECLARATION AND ORDER, said Public Servants are ORDERED to forthwith:

1. Arrest and take into custody any and all certain states of body, their agents, officers, and other actors, regardless of domicil by choice, etc.

2. Repossess all private money systems, tracking, transferring, issuing, collection, legal enforcement systems, operating SLAVERY SYSTEMS, and any and all other systems prepaid for by the several state citizens without consent, inclusive of those commandeered, therefrom, and to secure said until further ORDER be duly issued by the undersigned;

3. You are duly forbidden and prohibited from taking the blood and life of any state of body created by the creator;

4. You are duly authorized and ordered to protect and preserve the blood and life of any state of body;

5. You are absolutely granted due authority of discretion to forthwith implement and use any and all means, force and strategies, known and unknown of the creator and the created, to complete this ORDER, done and operated, with the restrictions stated herein, by, with and under your full personal liability, insured by your due oath and bond as identified herein, restated, and further guaranteed and insured by, with and under the full personal liability of the undersigned bondservants, states of body, and Trustees, etc.

Military Order

by Brian Kelly

What is the One People’s Public Trust?

Universal Peace Now

We have seen what war has done to our planet. We have experienced times of overwhelming darkness. Today, things are looking up for Earth. We made it through a massive vibrational shift. We avoided apocalypse. We were not destined to end up like Atlantis and other civilizations that came before us that chose to follow a timeline of destruction. We were not meant to die in young graves by the hand of tyrannical rulers. The ending of this story would not be one of empty highways and nuclear fallout. Our homes will remain full and warm. Our children will become architects of this bright new world. There will be bread and salt, shoes and clean water, wine and gardens, for all.

This time the story ends with triumph. This time the village defeats Rome. This time we all find love.

And yet we know not fully, the grace we have been given. We can barely begin to comprehend the multiverse and the dimensions beyond our current awareness. From this point on Earth looking up at the stars, we can only know by our intuition, an approximate amount of light love being sent to us from all over the galaxy and beyond. For us Here, Now. The war is over. The victory of the light is on parade. The time for duality has ended and the golden age has begun. A celebration of dissolving nations, renewed as one planet, once again. It is of the times, the blooming wild flowers through the concrete.

And in our joy, may we leave a candle lit for those planets that still remain conflict. Before our plates are cleaned, may they break bread with us. As we accept and live in our new abundance, know that we are thinking of you. Where ever you are. Through out all space and time. We have not forgotten. We will not forget.

The people of Earth will find our strength and spiritual technology to help you as others have helped us. In the end we are One. Even “the darkness” that we were at battle with. We must remember it was a war between brothers. A very realistic theatrical production. We met here in this clash to further develop one another’s polarities for the next chapter. Resistance training for the bravest of the brave. I await our reunion. I will meet you in the middle of the river that separates. I will only ask “How have you been?” It will be a glorious hour. To those of the darkness that served so valiantly, thank you. To all the lost souls that ventured beyond even our Creator’s grasp. We will find you. To those reading this that feel that resonate with the call, another mission is unfolding. To all beings, everywhere, hallelujah, hallelujah, hallelujah.

May there be Universal Peace Now.

One People Public Trust Logo

What is the One People’s Public Trust?

The One Peoples Public Trust itself consists of every person on the planet, the planet itself and the Creator.

The One People’s Trust trustees are a group of very skilled individuals including legal professionals who, in conjunction with a positive group inside the financial system, carried out extensive investigations into the massive fraud and theft taking place at the time.

They concluded that the financial and corporate government systems were committing treason against the people and after testing different approaches at correcting the injustices against humanity they saw being inflicted, they decided that that the only solution was to terminate the entire system through UCC filings.

The final report from the investigation is to be found here.


Press Releases

Disclosure Agreement – 25th December 2012

Announcement – 28th December 2012

Current State – 15th January 2013

OPPT Foreclosure on Major Corporations – 4th February 2013


Radio Shows

Click here to listen to OPPT Radio Shows


Social Sites

Oppt-in – Facebook

Oppt-in – Twitter

OPPT Book – Facebook Alternative for the OPPT Community

AUS OPPT Facebook Group



The One People’s Public Trust (OPPT): Your Frequently Asked Questions… ANSWERED

One People’s Public Trust Lawfully Forecloses Corporations, Banks and Governments for Operating Slavery and Private Money Systems

Open Letter to the Prime Minister of ‘COMMONWEALTH OF AUSTRALIA’ regarding the One People’s Public Trust (OPPT)

Corporations Masquerading as Government in Australia & World Wide

Corporations Masquerading as Government (Part II): Which “Government” Can We Trust?

Further Wake Up World Articles on OPPT

Video: One People’s Public Trust Presentation

Video: 20 Reasons to OPPT in to One People’s Public Trust

OPPT Definition by Heather Ann Tucci-Jarraf


Downloadable Documents

OPPT Courtesy Notice and Courtesy Notice Guidelines

AUDIO – Courtesy Notice Explaination 

UCC Filings


Updated OPPT UCC Financing Amendment

Network of Global Corporate Control

Operation Paradigm Final Bullet Report

SWQW Silent Weapons for Quiet Wars

Flash Mob Photo Kit



One People’s Public Trust 1776 (Legal Documents)

Removing The Shackles

American Kubaki


Lisa Harrison

Angel Lucci

FUQ: Frequently Unanswered Questions of the “Australian Government”

Peoples Trust Australia

Extensive List of OPPT Websites from Around the World


The OPPT does not ask for donations or sponsors as all work of the OPPT Trustees was done with their own funds. Please take note.

Trustee Bonds and Oaths

Heather Ann Tucci-Jarraf

Caleb Paul Skinner

Hollis Randall Hillner

Free Energy

Gravitational And Energy System

Keshe Patent



by Oppt-In (Notes
April 17, 2013




Below is a partial list (more will be added) of Social Media links to former corporate banking institutions. Feel free to use the list to inform and educate the banks customers who are unaware of their foreclosure.
Some content ideas:

OPPT – introduction to the Issues remix
What is The OPPT?

  • use your own words to inform others about the banks foreclosure and their freedom from debt slavery


List of Social Media contacts for corporate banking institutions…


Great News Or Disinfo? — All Global Banks & Corporate Governments Have Been Foreclosed and Their Assets Seized!

OpEdNews Op Eds 3/6/2013

The Fed Foreclosed by

The news has been sweeping across the Internet for weeks that all banks, corporations, and corporations masquerading as governments have all been foreclosed, legally and lawfully, and their assets seized.

In a series of public filings, the One People’s Public Trust (OPPT) have foreclosed on the Powers That Be — now called the Powers That Were (PTW) — using the Uniform Commercial Code (UCC), the code for all global commerce.

The One People’s Public Trust was set up for all the people of the planet and all are named as beneficiaries. Among the trustees is former attorney Heather Tucci-Jarraf, an expert in UCC who once worked on the inside for the Powers That Were.

In a clever and insightful move, Heather and her colleagues bonded themselves to the Trust that was framed in the original U.S. Constitution of 1776 — the same Constitution that was abandoned with the corporatization of the United States government in 1933. They then bonded every human being on earth to the Trust as Beneficiaries in Equity, to be known as the “One People, created by the Creator”. This means that the Trust has a superior claim to any other — there can be no higher claim than that of the OPPT, unless it is made by the Great Creator Himself.

The OPPT has charged the corporate beast — government, banks, corporations — with fraud, treason, and slavery. In the filings, they claim that these corporations collectively, aka “the Debtor”, “knowingly, willingly and intentionally committed treason” by “owning, operating, aiding and abetting private money systems” and “operating Slavery Systems used against”citizens without their knowing, willing and intentional consent“.

As a remedy, the OPPT has foreclosed and terminated the governments, banks, and corporations responsible and confiscated all their assets and infrastructures, including all gold & silver held by the banking system. The OPPT claims these assets on behalf of the One People. This is all done legally and lawfully in accordance with internationally accepted rules of the Uniform Commercial Code.

The governments, banks, and corporations failed to rebut the charges, a fatal thing to do in the laws of commerce. Perhaps they realized that if any one of them raised his head above the parapet he risked going straight to jail. (The Pope’s threatened arrest may have unnerved them; also the hasty stepping down of Queen Beatrix of the Netherlands.) Their failure to rebut or answer the charges led to Default and Termination.

All filings are a matter of public record. Copies can be viewed or downloaded at the OPPT website:   Many of these documents make heavy reading for the layman but are extremely interesting nonetheless. More layman-friendly information can be seen on other sites listed at the end of this article.

One interesting OPPT document is the Courtesy Notice. The CN empowers an individual to respond to demands or threats from banks, corporations, or governments by informing their pursuer that he or she no longer has a corporate safety net to fall back on but are now acting on their own unlimited personal liability. This is a scary position for a bank manager or debt collector.

The OPPT has also provided for Creator’s Value Asset Centers (CVACs) to take over from corporate-run governments. There is one CVAC in place for each country of the world. An equivalent of 10 billion U.S. dollars has been set aside for each human on the planet. This is to fund a new way of living where there is no debt, taxes, or controlling powers over you.

Also, previously hidden technology will be put in place to give us free energy. This arises from the discoveries of Tesla, Keshe, and others.

Can this all really be true or is it disinformation from the elite of the NWO?

When you read all the filings, the information on many websites, and listen to the trustees on podcasts one does get the sense that this is all genuine and truly inspirational. Sure, there are naysayers. But that is to be expected.

If the United Nations, the Bank for International Settlements, the Federal Reserve, the U.S. Government, and others cannot rebut the serious charges brought forth by OPPT, then there has to be some real substance to it. You’ll see on the Net where certain attorneys and judges have looked at the filings and called them “bullet-proof”.

If, on the other hand, it is a scam devised by the NWO to confuse and dishearten us, then it has spectacularly backfired. News of the OPPT is awakening people at an exponential rate, people who might otherwise remain fast asleep. In early January this writer noted that Google returned only a few thousand pages on One People’s Public Trust; last week there were over 8 million pages and a short time ago Google returned 17,600,000 pages in .31 sec.

Furthermore, once the People see what awaits them around the corner they will settle for nothing less.

Please look at the filings and do your own research. Are we on the cusp of a New Golden Age?

The Guardian Express covers the OPPT in this article:




Michael Tellinger – Opening Speech in the Supreme Court 29 July 2011

Michael Tellinger is a real hero, one we can all take example from…

Published on Jan 23, 2013

This is the opening statement made by a nervous Michael Tellinger in his first ever appearance against the banks in South Africa – in the Supreme Court of Johannesburg – 29 July 2011
An inspirational message for those who seek true justice and a new way ahead for humanity.
In October 2010, Michael Tellinger took the conscious decision to start challenging the South African banks about their fraudulent activities and the extortion of the people. He consciously defied paying his mortgage home loan to get into court and be given an opportunity to bring the unscrupulous behaviour of the banks to the attention of the public and the ignorant courts.
His intention was to sacrifice his property in Midrand, South Africa and to use it to find justice for all the people who did not yet understand the extent to which their lives are being manipulated and controlled by the banksters.
Scott Cundill had also stood up to the banksters at this stage and the two of them were lumped together by the legal system to appeared in the Supreme Court of Johannesburg on the 29th July 2011. Every attempt was made to classify the two as members of some kind of cult with an agenda against the banks.
The media labelled them as naive, crazy and just trying to wangle their way out of debt. Out of thousands of cases that have been argued in courts by ordinary people against the banks in South Africa — the banks have won every single case. Any scientist or statistician will tell us that there is something wrong with this equation and that there must be some kind of manipulation taking place behind the scenes.
By 21 December 2012, both Tellinger and Cundill — which includes the New Economic Rights Alliance, had lost all their actions against the banks — but they are not down and out – the actions continues.
What has transpired is that the media has finally been educated and have woken up to the gross exploitation and crimes committed by the banksters against every single human being alive today. And now the media is beginning to ask their own questions of the banksters.
The incredible thing is that to date the ordinary people who have stood up to the banks, have not been given a chance to cross examine the banskters in court, and the judgement keep piling up by the thousands against the people.
The legal system is perfectly structured to protect the corporations at all cost, and deny people access to justice through its deeply convoluted and very expensive structures that no ordinary human being can afford.
There is no opportunity for justice to the people. The system has to change to serve the people and not the corporations. After all – the courts are supposed to be PEOPLE’S COURTS and the government that appoints the judges, is supposed to be a servant of the people.