Banking Shaping American Minds

“I wish someone would give me one shred of neutral evidence that financial innovation has led to economic growth — one shred of evidence.” — Paul Volcker, former Fed Chairman, 2009

“We have allowed the borrower to get raped and then we have gone to the rapist for a course on sex education. Thus the investors (pension funds who will announce reductions in vested pensions) and the homeowners have been screwed on such a grand scale that the entire economy of our country and indeed the world have been turned upside down.” — Neil F Garfield, 2012


What’s the Next Step? Consult with Neil Garfield

For assistance with presenting a case for wrongful foreclosure, please call 520-405-1688, customer service, who will put you in touch with an attorney in the states of Florida, California, Ohio, and Nevada. (NOTE: Chapter 11 may be easier than you think).

Editor’s Comment: The article below is very much like my own recent article on privatized prisons and the inversion of critical thinking in favor of allowing economic crimes to have a special revered status in our society. Kim highlights the rampage allowed to continue to this day in which Banks are ravaging our society and supporting anything that will confuse us or indoctrinate us to accept outright theft from our society, our purses, and our lives.

It is this lack of critical thinking that has made it so difficult for homeowners to get credit on loan balances that are already paid down by parties who expressly waived any right to collect from the borrower. It is the reason Judges are so reluctant to allow homeowner relief because they perceive the fight as one in which the homeowners are only expressing buyer’s remorse on an otherwise valid transaction.

It is the reason why lawyers are reluctant to deny the debt, deny the balance, deny that a payment was due, deny the default, deny the note as evidence of any debt, deny the validity of the mortgage and counter with actions to nullify the instruments signed by confused and befuddled borrowers assured by the banks that they were making a safe and viable investment.

In most civil cases Plaintiff sues Defendant and Defendant denies most of the allegations — forcing the Plaintiff to prove its case. Not so in foreclosure defense. Lawyers, afraid of looking foolish because they have not researched the matter, refuse to deny the falsity of the allegations in mortgage foreclosure complaint, notice of default and notice of sale. Lawyers are afraid to attack sales despite decisions by Supreme Courts of many states, on the grounds that the sale was rigged, the bidder was a non-creditor submitting a credit bid, and the fact that the forecloser never had any privity with the homeowner, never spent a dime funding any mortgage and never spent a dime funding the purchase of a mortgage.

The quote from the independent analysis of the records in San Francisco County concluded that a high percentage of foreclosures were initiated and completed by entities that were complete “strangers to the transaction.” Why this is ignored by members of the judiciary, the media and government agencies is a question of power and politics. Why it MUST be utilized to save millions more from the sting of foreclosure is the reason I keep writing, the reason I consult with dozens of lawyers across the country and why I have moved back to Florida where I am taking on cases.

As a result of the perception of the inevitability of the foreclosure most court actions are decided in favor of the forecloser because of the presumption that the transaction was valid, the default is real, and that no forgery or fabrication of documents changes those facts. The forgeries and fabrications and robo-signed documents are bad things but the “fact” remains in everyone’s mind that the ultimate foreclosure will proceed. That “fact” has been reinforced by inappropriate admissions from the alleged borrower, who never received a nickle from the loan originator or any assignee.

The lawyers are admitting all the elements necessary for a foreclosure and then moving on to attack the paperwork. Theoretically they are right in attacking assignments and endorsements that are falsified, but if they have already admitted all the basic elements for a foreclosure to proceed, then the foreclosure WILL proceed and if they have any real damages they can sue for monetary relief.

But under the current perception carefully orchestrated by the banks, there are no damages because the debt was real, the borrower admitted it, the payments were due, the borrower failed to make the payments, and the mortgage is a valid lien on the property securing a note which is false on its face but which is accepted as true.

Even the borrowers are not seeing the truth because the people with the real information on the ones that are foreclosing on them. So borrowers, knowing they received a loan, do not question where the loan came from and whether the protections required by the truth in lending statute, RESPA and other federal and state lending laws were violated. We have allowed the borrower to get raped and then we have gone to the rapist for a course on sex education. Thus the investors (pension funds who will announce reductions in vested pensions) and the homeowners have been screwed on such a grand scale that the entire economy of our country and indeed the world have been turned upside down.

Deny and Discover is getting traction across the country, with a focus on the actual money trail — which is the trail of real transactions in which there was an offer, acceptance and consideration between the relevant parties. More and more lawyers are trying it out and surprising themselves with the results. Slowly they are starting to realize that neither the origination of the, loan as set forth in the settlement documents at closing nor the assignments and endorsements were real.

The debt described in the note does not exist and never did. Neither was it the same deal that the lender/investors meant to offer through their investment bankers.

The note and the bond have decidedly different terms of repayment. The payment of insurance and credit de fault swaps to the banks was a crime unto itself — a diversion of money that was intended to protect the investors. The balances owed to those investors would have been correspondingly reduced. The balances owed from the borrowers should be correspondingly reduced by payment received by the only real creditor.

Thus millions of homeowners have walked away from homes they owned on the false representation that the balance owed on their homes was more than they could pay. And the messengers of doom were the banks, depriving investors of money due to them and depriving the borrower of the real facts about their loan balances. Lawyers with only a passing familiarity have either told borrowers that they have no real case against the banks or they take a retainer on a case they know they are going to lose because they will admit things that they don’t realize are false. And Judges hearing the admissions, have no choice but to let the foreclosure proceed.

But that doesn’t mean you can’t come back and overturn it, get damages for wrongful foreclosure, and this is where lawyers have turned bad lawyering into bad business. There is a fortune to be made out there pursuing justice for homeowners. And the case far from the complexity brought to the table by the banks is actually quite simple. Like any other civil case or even criminal case, stop admitting facts that you don’t know are are true and which are in actuality false.

In every case I know of, where the lawyer has followed Deny and Discover and presented it in a reasonable way to the Judge, the orders requiring discovery and proof have resulted in nearly instant “confidential” settlements. Some lawyers and waking up and making millions of dollars helping thousands of homeowners —- why not join the crowd?

Banks Stealing Wealth and the Minds of Our Children

by JS Kim

In the past several years, people worldwide are slowly beginning to shed the web of deceit woven by the banking elite and learning that many topics that were mocked by the mainstream media as conspiracy theories of the tin-foil hat community have now been proven to be true beyond a shadow of a doubt. First there was the myth that bankers were upstanding members of the community that contributed positively to society. Then in 2009, one of their own, Paul Volcker, in a rare momentary lapse of sanity, stated “I wish someone would give me one shred of neutral evidence that financial innovation has led to economic growth — one shred of evidence.” He then followed up this declaration by stating that the most positive contribution bankers had produced for society in the past 20 years was the ATM machine. Of course since that time, we have learned that Wachovia Bank laundered $378,400,000,000 of drug cartel money, HSBC Bank failed to monitor £38,000,000,000,000 of money with potentially dirty criminal ties, United Bank of Switzerland illegally manipulated LIBOR interest rates on a regular basis for purposes of profiteering, and though they have yet to be prosecuted, JP Morgan bank, Goldman Sachs bank, & ScotiaMocatta bank are all regularly accused of manipulating gold and silver prices on nearly a daily basis by many veteran gold and silver traders.

23 Responses

    1217 Opal Drive
    Fox Milne,
    Milton Keynes,
    MK15 0ZR.
    United Kingdom.
    Mobile: +447042035199

    We are here to introduce a loan program that will help improve your financial

    situation, economic and relieve you of all financial crises.

    Loan request: You have to be able to articulate how much your business needs, how

    the loan funds will be used, the type of loan request you need, and how much capital

    you have on hand.

    Specialized in providing loans from the range of € 5,000 and above all, as car loan,

    we offer loan in the short and long term for customers at a rate of 3% etc.

    We give out our Loan in USD($) and GBP(£) and any currency of your choice.

    * Are you financially tuned down ?
    * Do you need funds to pay off credits and debts
    * Do you need finance to set up your own business?
    * Are you in need of private or business loans for various purposes?
    * Do you need loans to carry out large projects

    We offer the following types of loans:

    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans.

    If you really acknowledge this content, you are to send the details information to

    the account overleaf.

    (1) Full Name:

    (2) Loan Amount Needed:

    (3) Duration of Repayment:

    (4) Country:

    (5) Marital Status:

    (6) Gender:

    (8) Age:

    (10) Occupation:

    (11) Mobile:


    Payment by bank to bank transfer 48 hours
    Payment by bank certified check 9 days

    – The First option which is by bank to bank transfer, loan
    funds are transferred directly into your account with the aid of our

    – As for the last option, a certified check is made out by our bank as a
    draft, which can be cashed by clients anywhere in the world, it takes
    4 working days to get to the applicant and 5 days for the check to be



    Mr. Rodney Hayne
    Enjoy Online Banking and Best Services Offer!!!

  2. If I hear a lie..I am calling you out…and I don’t give a damn who you are.

  3. That includes the politicians & the media….

  4. E. Tolle…..I really don’t give a rats patootey what I remind you of…..because you remind me of rat droppings… I am not speaking out for any reason other than to shutdown your lying scumbag b.s….Someone has to make a stand for WE THE PEOPLE…and TELL THE TRUTH…..WE THE PEOPLE are the only victims of this monolithic and evil conspiracy to steal our National Sovereignty. You shills ….whoever you work for and everyone who keeps lying needs to stop lying & tell THE TRUTH….then I will stop talking….but not until then.

  5. Stripes/ivent, I blame you for believing that everyone here is glued to your every word. We all know that this is a vast conspiracy you dimwit. We knew it long before you discovered that fact. But you errantly believe that everyone visiting this site can’t wait to hear your take on the newest conspiracy gossip.

    You remind me exactly of Grima Wormtongue.

  6. E Tolle…..that is because this is a vast conspiracy and a very evil plan … was designed to make your head spin. Don’t blame me, blame the evil masterminds of this evil plan for World Domination.

  7. No stripes, the problem is that you speak incessantly.

  8. I have asked for attorney recomendations from attorneys other States and have gotten no response. Max Gardner has a boot camp and I met with 2 different attorneys who attended. I know Max Gardner means well but the the enemy is hiding in his camp and ours..that is all I’m going to say…Please… your own research..

  9. […] Banking Shaping American Minds ( […]

  10. Christines problem is….I speak the truth loud and clear and that is what bugs her….She has no facts to back up a thing she says…so she makes accusatory statements not based in fact to try and shoot the messenger. Max & others are not representing homeowners on an individual basis but they have put out great info on the Internet so that we can educate ourselves.

  11. Friendly word of advice … your own research….you can’t connect the dots if you don’t go to many sources…..including the television ……I learned ALOT from many sources….like the scope of this criminal coverup to destroy this great nation and secretly steal everything from WE THE PEOPLE is everywhere….it is all around us and right in front of our eyes and you can learn alot about this coverup on that Tv screen… don’t listen to FEDSTER shills like Christine who are getting paid U.S. TAXPAYER DOLLARS……our hard earned money, to sit on their largesse rearends and make people believe these cases are not massively criminal…Make no mistake….they are criminal and they fully intend to steal your freedom & independence …FOREVER…..EX FDIC CHAIRPERSON SHEILA BAIRD SAID…..ALL OF THE MORTGAGES WERE MEANT TO FAIL…..THAT PROVES INTENT TO HARM & THAT IS CRIMINAL IN THE U.S.A.

  12. @JAMES,

    No decent lawyers. They all want to still be able to argue in the courtroom next month or next year so they don’t ‘completely’ represent you. (waste of money).

    Fraud is exposed. 50 state attorney generals, supreme court rulings, justice department investigations, county clerk findings.

    None of that matters.
    If a bank tells your county they won’t extend credit, or your attorney they will force him out of his home, or your supreme court judge that his retirement may be shaky if the ruin the Real Estate Investment Trusts he’s got his funds in, or any number of things the banks control that we use and need and are linked to them for; well you see that no matter what is done, with the agreement the CEO has with the bank, he’s absolved of all wrong doing…the employees are just doing their job, and the processes are so jacked up they can rob with impunity, and you’ll be spending money you took from one bank to pay an attorney who will deposit it in another bank, and they will monetize that and make even more money.

    When you really and truly see the ‘system’. The Matrix that binds us against our will; you’ll decide if the four walls and a roof and foundation is worth fighting for and ‘having it stolen’, or just watch them steal it without the energy spent on the fight.

    Remember there is money behind the transaction of fighting and the courts get a piece of that pie, the judge, the attorney you hire, the bank’s attorney, and all those checks and payments being deposited in the various banks as negotiable instruments that keep this scheme floating on and on.

    Bankrupty just lets them clean you out, and leave you with nothing, pretty soon, if you have the home, you’ll probably won’t have a job to pay for it because they cleaned you out in bankruptcy, so no job to pay for the home or taxes or hoa dues, or bills or whatever, and you still have the home stolen from you.

    You’ll get a 1099A form from them and Freddie Mac or just them that is to indicate you abandoned it. The IRS will have a copy and put the burden on you for what they filed.

    I didn’t sent in the 1099A. I had never done business with either and there is no way under their penalties of perjury I was going to file a fraudulent return of abandonment on a theft.

    Let them figure it out. I do at least live in truth even if I can’t protect myself from organized theft and fraud, aka RICO.

    Trespass Unwanted, Corporeal, Life, People, Free, State, In Jure Proprio, Jure Divino

  13. BSE, a lynch party with no attendees.

    Trespass Unwanted, Corporeal, Life, People, Free, State, In Jure Proprio, Jure Divino

  14. Great job…. It is up to the citizenry to document and speak out about these crimes against us and wake up the American people because the mainstream media never will. They will never tell you these are crimes. Remember the robosigning scandal…? They actually tried to give Forgery and Counterfeiting a legitimate sounding name….The State AGs office told me wherever there is a lot of money being made, there is going to be fraud and they are understaffed. Well then….foreclosures should be halted indefinitely if that is the case. If every attorney in the country decided to help on an individual basis and fight this massive fraud, there wouldn’t be enough of them to go around.

  15. Part of the problem also lies with the government when they spy on reporters who investigate mortgage foreclosure fraud. Watch what happened yesterday when I telephoned in to Baltimore District Court to get a copy of the Decision by Judge Justin J. King slamming foreclosure mill attorney Thomas P. Dore:

  16. Before calling a random attorney, I would go to fraudclosure court and see if there are any attorneys in your area fighting fraud. These are criminal cases being brought in civil courtrooms for a very deceptive reason. Have you filed a police report…? Maybe your States Attorneys office will take a look at your case. The State AG’s are fining the crooks in a few cases but that does us no good.

  17. The Mainstream presstitutes really need to give up their rally against the Second Amendment ….. Wendy Williams just had a panel of schills, including that commie Penn Gilette and an audience full of idiots clapping for the destruction of our right to bear arms..Guest said we have the highest murder rate in the world because of our right to bear arms……To that I say…..that is why we need guns stupid……the criminals have them……….the cops can’t be everywhere…..! Most Americans know to never give up their guns. I will never watch Wendy Williams again…or anyone who is pushing that commie agenda.

  18. A bit of advice for JAMES that the recorder of deeds office gave me a couple of years ago……you better do your homework before you go talk to an attorney….you better have your i’s dotted & your t’s crossed….let me say from experience ….that was a great piece of advice.

  19. The mass criminality is being ignored by the judges, law enforcement and every branch of Government. The Obama administration has it’s boot on the throat of law enforcement. Obama said what Wall Street did was reckless, not criminal. He is simply a bold faced LIAR… The local media just reported the State of Illinois has a $100 BILLION DOLLAR UNFUNDED PENSION LIABILITY….ex Mayor Daley said before he left office…..There is $155 BILLION DOLLARS IN “MISSING” POLICEMAN’S & FIREMAN’S & OTHER PENSION MONEY AND PROPERTY TAXES IN ILLINOIS ARE GOING TO SKYROCKET BY THE YEAR 2014…No one is going to be able to afford anymore property tax or any other tax increases that’s for sure. As one Cook County tax payer put it…..If I’m going to be paying property taxes like this, I better be living next door to J LO….Well we are certainly not living next door to J LO, in fact, our roads are crumbling, sevices we already paid for are being cut left & right, the politicians are criminalizing just about everything…..150 mors new laws have been passed for 2013 by these traitor politicians…..pretty soon you won’t be able to leave your home without breaking some stupid law….all while prices of everything are skyrocketing and half of the State is unemployed…..Cops are handing out tickets like candy and the local media is reporting red light camera speeding tickets are going to be ramping up. I have noticed the lights are changing from green to red instantly…..That is incredibly dangerous…..that gets you rearended in more ways than one… Time for the American people to sue the Banks for all of their criminal fraud or we are all going to be broke & homeless. The judges need to be told, they were robbed by these crooks as well, and no matter how many properties they hand these crooks, it is never going to be enough to cure their default or correct the economy.

  20. James, call customer service 520-405-1688 they will put you in touch with an attorney in AZ

  21. I assume you don’t read these emails but I’ll try again. I need a Fraud lawyer who can take WF to the mat.. mine was a second home and WF twice put me on the HAMP program and accepted paymnets and it’s clear that FreddieMAC my investors guidlines CLEARLY state that NO second home can be on the HAMP program so WF acted on it’s own and took my home without ever making Freddie aware of my problem.. So WF acted as if they still owned the home which it’s clear with all the documentation we have that Freddie OWNS MY LOAN? this should be a walk in the park for a decent lawyer who understands Fraud. WF can’t accept money under the HAMP program that I couldn’t BE ON in the first place TWICE! am I right? hope you read this… I really could use the help to get restitution for WF stealing my home..WE HAVE LETTERS FROM WF ADMITIING THE MISTAKE! OPENLY! TWICE! AND THEY STILL TOOK THE HOME??? THX James, Phoenix, AZ

  22. Except, as we know, if one of us tries to do what the bankers do, we immediately face consequences. (some attorneys, judges, politicians, too)

    I agree the bankers behavior definitely influences people and prompts them to find ways to skirt the system in order to get ahead.
    Take shortcuts, so to speak, because we are not getting anywhere at these grisly jobs. We can’t get the trinkets that are advertised, let alone hold onto our homes.

    We see this in films all the time where the “hero” gets away with the money and the “murder.” There is somehow more respect for the little guy who has “made it,” no matter how he/she got there. That idea has become ingrained in our cultures world wide now…to the point where it is expected, even, and therefore, accepted as the norm.
    Commerce is a toilet of moral turpitude.

    Really, by this behavior, we are hoping to escape the system, but we become more a part of it.

    A radical change is at hand. Let’s rejoice. Because the implementation of a new worldwide banking system will restore everyone’s MINDS for the better of all humankind.

  23. It is time to hold lynch party.

Contribute to the discussion!

%d bloggers like this: