Wells-Fargo's 'How-To Fraud Mortgage' Manual

by Clinton Kirby

 

Wells Fargo's "How-to fraud mortgage  manual" suggests this "Too Big To Fail" bank may be going down.  Here's the link to download the actual Wells Fargo  'how-to create mortgage fraud' manual.


So, once again, the "conspiracy theory" that banks manufacture/massage/manipulate the documents they need-but don't have-in the foreclosure context has proven to be fact.  Indeed, the whistleblower that went to Naked Capitalism regarding Wells Fargo a year ago was not just, whistling Dixie, as it turns out. Wells Fargo indeed doctors/manufactures documents, and according to a lawsuit in New York, they actually have a manual on how to do it!  Naked Capitalism quotes a New York Post article about the lawsuit:

 "In a filing in New York's Southern District in White Plains for
 a local homeowner in bankruptcy, attorney Linda Tirelli described
 a 150-page Wells Fargo Foreclosure Attorney Procedures Manual
 created November 9, 2011 and updated February 24, 2012. According to
 court papers, the Manual details 'a procedure for processing
 [mortgage] notes without endorsements and obtaining endorsements
 and allonges.'"

If Wells Fargo does it, you can rest assured that the other big banks do it-after all, they have to compete! Check out this quote that gets right to the heart of the kind of thinking that causes this copycat, groupthink fraud from an article entitled "Fiduciary Duty to Cheat? Stock Market Super-Star Jim Chanos Reveals the Perverse New Mindset of Financial Fraudsters"

"Because if now, as the senior member of a bank, or the board of a
bank, I know that there are no criminal penalties for breaking the
rules, don't I have a fiduciary responsibility to my shareholders
to actually play fast and loose? Because if I get caught, that's
just the cost of doing business?" 

Yep. All the banks are doing it, not just Wells Fargo. We just don't have the other banks' manuals - yet.


America's Secret History: 5 Important Facts You Were Never Taught In School


 by Dr. Ilya Sandra Perlingieri


We are either going to have a future where women lead the way to make peace with the Earth, or we are not going to have a human future at all. ~ Dr. Vandana Shiva

History, as the saying goes, 'belongs to the victor.' Oftentimes, this unfortunately, results in biased and totally distorted history. In my own American archival research, I have discovered that the American history we continue to learn in both public and private schools and universities has been drastically manipulated.

Lies might be the more accurate word.

Today, we do not have any real accounting, or public discussion, or textbooks and very few other books about what really happened in our past, since the signing of our Declaration of Independence in 1776. These lies actually go back further than the founding of this country. What we have might accurately call his-story. Even with all the distortions and deceit, it is certainly not even "a collective narrative"; and despite 40 years of feminist scholarship, it still does not include much about women the other half of our population or people of color. There is an enormous amount of research on these marginalized and forgotten people.

The problem is that most of the research stays in obscure journals, and doesn't get into mainstream texts that are already biased. The corporate-controlled media is also part of this massive deception. They do not report the truth, but are part of a vast and corrupt cover-up. It is all about "Orwellian" news. This includes the New York Times, Chicago Tribune, Washington Post, even the PBS News Hour; the list goes on and on. Mainstream News is a wasteland here and all over the globe.

This article is a short accounting of some major historical issues/events that we never learned in school. However, they are vital to our understanding of the corruption, coverup, and depth of lies and deceit that continues to be perpetrated on all Americans, all with the collusion of public officials from one century to another. This remains an invisible but, nonetheless, criminal compact of enormous proportions. It affects all Americans and everyone else on the planet.

I urge everyone to read this, share it with everyone you know, and do your homework over the 4th of July Nationwide General Strike for which United We Strike and I are calling. The New World dis-Order plan of lies and deceit is over. We will no longer buy into their 'USA Inc.' This was a corporate-planned nightmare that has deliberately destroyed our country and Gaiaâ's ecosystem for the benefit of banksters and other elites all at the expense of the 99% rest of us.

Unknown American History

1: Incorporated Government Entities

We are no longer under our original 1789 Constitution for the united states of America. It was destroyed by stealth when the Act of 1871 was treasonously passed by a criminal Congress. This made Washington, D.C., a corporation beholden to England's bankers. The District of Columbia is a separate city-state, just as are Vatican City and the inner part of London. All three geographic areas are key centers of interlocking financial power for this planet.

After the Civil War, America was in deep financial trouble essentially, it was bankrupt. So, on February 21, 1871, the 41st Congress [with NO AUTHORITY to do this!] creates a separate form of government for the District of Columbia [Washington, D.C.] for this area's 10-square miles.

This was a strategic move by foreign interests (international bankers) who were intent upon gaining a stranglehold on the coffers and neck of America. Congress cut a deal with the international bankers (specifically the Rothschilds of London) to incur a debt to said bankers. Because the bankers were not about to lend money to a floundering nation without serious stipulations, they devised a way to get their foot in the door of the United States.

See: http://www.byronwine.com/files/1871.pdf

By this act, Washington, D.C., and then eventually all the other states became a corporation that was 'owned by foreign interests' and beholden to the banksters. It then began operating via Private International Law. America, then had a new and illegal constitution, called: "THE CONSTITUTION OF THE UNITED STATES OF AMERICA". (Note all capital letters, and "OF" was substituted for the original for Our original Constitution was spelled this way: The Constitution for the united states of America).

The District of Columbia then became an INCORPORATED government - no longer a republic. This new 'CONSTITUTION' is a separate and illegal document that benefits the corporations not us!

Over the ensuing decades and again by stealth and with the complicity of Congress (could this have even been done without Congress?) this became the illegal corporate takeover of all the other states. This form of corporate law is based on Roman Civil Law and Admiralty or Maritime Law not Common Law.

None of this is taught to us in any school! The complexity and deceit are ENORMOUS.

For 142 years, this facade has been ILLEGALLY in place with the help of public officials, the media, and the three branches of 'US Inc.' government and their corrupt corporate agencies. To add to this criminality, in 1892, the Banker's Manifesto was adopted, stating:

"We [the bankers] must proceed with caution and guard every move made, for the lower order of people are already showing signs of restless commotion. Prudence will therefore show a policy of apparently yielding to the popular will until our plans are so far consummated that we can declare our designs without fear of any organized resistance. The Farmers Alliance and Knights of Labor organizations in the United States should be carefully watched by our trusted men, and we must take immediate steps to control these organizations in our interest or disrupt them..

The courts must be called to our aid, debts must be collected, bonds and mortgages foreclosed as rapidly as possible. When through the process of the law, the common people have lost their homes, they will be more tractable and easily governed through the influence of the strong arm of the government applied to a central power of imperial wealth under the control of the leading financiers. People without homes will not quarrel with their leaders."

Remember this was written in 1892. More than a decade later, and while in office (from 1907-1917) Congressman Charles A. Lindbergh, Sr., revealed the Bankers' Manifesto to Congress and thus to the American people. See p. 2-3 at: http://2012thebigpicture.wordpress.com/tag/organic-act.of-1871

Then, in 1913, The fraudulent Federal Reserve Act was passed, again putting our finances into the hands of private banksters. All present and succeeding debts of the U.S. Treasury were assumed by the Federal Reserve (a municipal corporation). Remember, the Federal Reserve is a private banking consortium. It has been in business for 100 years, and this whole time has been stealing from us. Here is more information. See p. 6: http://2012thebigpicture.wordpress.com/tag/organic-act-of-1871

By 1933, the Federal Reserve Notes (basically paper money with no intrinsic worth) were no longer backed by gold, just backed by the credit of the nation. What happens when the nation is bankrupt, as it is now?

Essentially, this means that Congress does not work for us. So-called public officials are working for US Inc.

WE THE PEOPLE HAVE BEEN DUPED!

2: Unlawful Constitutional Amendments

a) There are two original Amendments that must get widespread coverage. Firstly, the original 13th Amendment was deleted (sometime before the Civil War) without any public discussion. This is not in any of the current CONSTITUTION printings or online.

This is the original:

No title of Nobility can be granted by the United States [NOTE: not all capital letters] and no person holding any office under them can, without the consent of Congress, accept of any present, emolument, office, or title of any kind whatever from any King, Prince or Foreign State.

Any Citizen of the United States accepting, claiming, receiving, or retaining, any title of nobility or honour, or, without the consent of Congress, accepting and retaining any present, pension, office, or emolument, of any kind whatever, from any Emperor, King, Prince or Foreign Power, such person ceases to be a citizen of the United States, and is incapable of holding any office under them or either of them.

Without any public discussion, this amendment was deleted. In its place is now the Abolishing of Slavery.

b) The 16th Amendment was only ratified by four states. This is the original text:

AMENDMENT XVI

Passed by Congress July 2, 1909. Ratified February 3, 1913.

The Congress shall have power to lay and collect taxes on incomes, from whatever sources derived, without apportionment among the several States, and without regard to any census or enumeration.

Therefore, without proper ratification, this amendment is actually null and void. Yet, it is included in current printings of the now corporate and illegal CONSTITUTION.

See: https://www.givemeliberty.org/features/taxes/notratified.htm

We do not now, nor ever have had to pay federal taxes! More information is available through the courageous work of former IRS Agent, Joe Banister who became a whistle-blower.

Here is his 2-part interview:

Part 1: www.youtube.com/watch?v=GKePl2gW_3M
Part 2: www.youtube.com/watch?v=E7Qv_j-Y0nE

To support this even further, former IRS Commissioner Steven Miller (who was asked to resign) has recently admitted on May 17, 2013, that paying taxes are voluntary.

See: Former IRS Commissioner Steven Miller says income tax is voluntary

In addition, film director, the late Aaron Russo has done an investigative documentary about the IRS cover-up that is essential for everyone to see. This is an eye-opener for those who are unfamiliar with this massive government deception. PLEASE SHARE THIS WIDELY!

View: America: Freedom To Fascism (Directors Cut) on YouTube

3: The U.S. is under Martial Law

We have been under Martial Law, since the Civil War. Abraham Lincoln instituted Martial Law during the Civil War. However, after he was assassinated, it was never rescinded. This is in part, why we have a centuries-long scenario of 'perpetua wars', one war after another to feed the out-of-control greed of the banksters, while millions of people lost their lives in wars deliberately created for corporate and elite profits on both sides.

Any current threats of instituting Martial Law are spurious, because it is already there.

4: Your Social Security Number (SSN)

This 9-digit number was created in 1936, supposedly to track your earnings and benefits. It does far more than that. It is another excise tax imposed on income, in addition to other taxes and according to the Internal Revenue Code, has nothing to do with insurance. The Code reads:

IRC (Internal Revenue Code) 3101. Rate of tax. (a) Old-age, survivors, and disability insurance [my bold italics]. In addition to other taxes, there is hereby imposed on the income of every individual a tax equal to the following percentages of the wages (as defined in section 3121(a)) received by him with respect to employment (as defined in section 3121(b)

[See: www.usa-the-republic.com/revenue/true_history/Chap7.html]

As noted in this chapter just cited above, "social" means public and "security" is corporation stock. This means:

When you get a social security number, you are activating or creating the public stock (security) of the corporation known as the United States, stock created for you to use, which adds to their collateral. By getting a social security number you declare yourself to be public stock of the U.S. government. You ARE a social (public) security, with a security number, you do not GET social security insurance!

[See above-cited link.]

This Social Security number belongs to the US Inc. government and, your name, in ALL CAPS, is included. This makes you a U.S. Corporate [US Inc.] "citizen." This number means you declare yourself to be a public "stock" of the US Inc. government. We became collateral for US Inc. to acquire debt. Did we ever learn this in any classroom?

5. Your Birth Certificate Number

Remember, now we are under Admiralty Law, the law of the seas. The UCC (Universal Commercial Code, the bible of business all over the earth) coordinates and harmonizes all 50 states sales. This code is based on ancient Vatican Canon Law. Going back to the days of the Caesars in Rome (and Roman Canon Law), the Roman Empire established that all nations worked on a level playing field. These regulations STILL exist under the Roman Catholic Church and the UCC.

Birth registration or certificates started in 1921, under the federal Sheppard-Towner Maternity Act. This was another bill of goods sold to a duped and un-informed public who were then told it would reduce maternal and infant mortality, protect the health of mothers and infants, and for other purposes.

One of those "other purposes" provided for the establishment of a federal bureau designed to cooperate with state agencies in the overseeing of its operations and expenditures. What it really did was create a federal birth registry which exists today, creating ˜federal children." This government, under the doctrine of "Parens Patriae", [Latin: one's country's parent, i.e. government] now legislates for American children as if they are owned by the federal government. Through the public school enrollment process and continuing license requirements for most aspects of daily life, these children grow up to be adults indoctrinated into the process of asking for permission from the government to do all those things necessary to carry out daily activities that exist in what is called a ˜free country.'

[See: http://macquirelatory.com/Birth%20Certificate%20Truth.htm]

At birth, the parents do not get an original birth certificate. They get a copy, which is written, on Exchequecher bank note paper that is owned by the [British] Crown even for Americans. The corporation of the U.S. is registered at the Inner City of London and a Roman enclave of the Vatican.

See: network54.com/Forum/Why is my name printed in all capital letters on my bank card+driver's licence

Basically, your birth certificate is the way your parents register you with the government as a corporation. Further, since 1933, when the U.S. went bankrupt, our birth and marriage certificates pledge the people as collateral against those loans and municipal bonds taken out with the Federal Reserve' banks. [See: macquirelatory, just cited above.]

Our birth certificates are a security; and they are traded on the New York Stock Exchange. We are owned by the international bankers; and we work as perpetual debt slaves.

Watch: Your Birth Certificate is a Stock on the NYSE on YouTube.

See also, Ellen Brown and her website (essential reading): www.webofdebt.com

So, these numbers, our numbers, are traded regularly on the Stock Market.

Why do you think when you call to see if a company is hiring, you have to go through a division known as Human Resource? The people are resources to the government, their birth certificates are a security on the New York Stock Exchange, which is why if you look at all birth certificates in America, it will say at the bottom this is printed on security paper, do not accept if not on full color security paper. At the bottom, you will always have a series of numbers, red numbers printed on the birth certificate, in which those numbers are a security stock exchange number on the World Stock Exchange, in which the American people are worth money to the International Bank that bought the government in the 1930's. [See: macquirelatory, cited above]

This is Just the Tip of the Proverbial Iceberg

To take this idea a bit further, the depths of the deceit go down miles and miles into the ocean. The educational system (along with most other institutions and agencies) is so riddled with corruption, we never have known either our real collective stories or what is really happening today. Everything is an Orwellian fade of massive proportions, all deliberately created.

We are already a society that is dumbed-down and heavily poisoned through the water, food supply, dangerous vaccines, and air and soil rife with lethal aerosol Chem-trails and other immune-supressing hazards. We have been set up to be automatons. Robots are glorified in the movies.

This global societal paradigm is based on harm and fear. That is in the movies, on TV, and in war stories that are all glorified. So, children learn hate and fear at an early age. It is passed on from generation to generation





Endowing the U.S. Dollar with real value

by Wayne Flaherty

As America’s fiat paper money continues in its death spiral toward zero value, there is a very real way to endow it with a minimum value no matter what the Fed does to it. Our government should change the size of the dollar, the composition of the paper on which it is printed, and the method by which it is delivered to the end user (no pun intended).

Were the American dollar made in rolls 4 inches wide by 4-1/2 inches in diameter and wound around a 1 inch diameter cardboard tube its value would be guaranteed forever. There would be no need for central banks or even Fort Knox. Every American would become a guardian of the nation’s wealth by storing their fair share in their bathrooms.

The politicians and central bankers who spent the last half a century stealing and debasing our currency would suddenly find themselves able to possess and control only their fair share. That would make the two most profitable occupations far less attractive. After what is the use of being elected to office if there is not treasury from which to line your pockets? What is the use of being a central banker if you can’t privatize the profits and publicize the losses?

We could make it a constitutional amendment. It won’t need a number – we’ll just call it the “Last Amendment”. If you think about it, the possibilities are endless.