In a very revealing appearance on Gary Dubin’s vital radio program—“The Foreclosure Hour”—Washington attorney Scott Stafne accurately gets to the core of what is behind not only the crisis faced by homeowners trying to save their homes from foreclosure via a “judicial” system that has been purposely set up to keep them from winning, but also the crisis that is American “capitalism” (at approximately 41:20 in the mp3, which can be found here):
“We were intended to have the rights that our creator gave us. They were called natural rights. And we tended to be able to exercise them. You can’t exercise them now unless you paid to do so. And that, I think, is the fundamental problem of our age. Everything is now defined by money. There is no purpose to anything except by money. I thought about what you and I had talked about, and I think we forget that human beings—we ourselves—are resources. But the way that our crony capitalism has developed, human beings are viewed only as consumers who should be required to pay or die. What do you think happens to the families that are evicted into the elements? Do you think our government studies it? They don’t. They don’t care.”
Pay or die. That really is the mantra. That really is the mentality. In fact, a Louisiana credit union actually had an ad campaign with a slogan based on that mentality:
Life takes money? How in the hell did this get to be a thing? Pay or die, because we all know that life takes money, honey. And these banks are happy to sell you some—that they just “created” by turning your promissory note into a “funding check” for your “loan.” It’s a complete deception. An utter fabrication. An illusion.
And speaking of illusion, Dubin reads Stafne some very pertinent comments he received from a California paralegal named Charles Cox, a name that a number of anti-foreclosure-fraud activists will recognize (approx. 35:18 in the mp3):
“He [Charles Cox] writes me:
‘I’ve been trying to encourage everyone to stop the ‘robo’ thing. It is forgery, plain and simple. The banksters capitalize on obfuscation. The ‘lender’ is not the lender. The ‘trustee’ is not a trustee. The ‘loan’ is not a loan. The ‘security instrument’ is not a security instrument. The applicable law does not apply. It is all an act, based in fraud from origination. None of the trusts actually exist. Most of the lenders do not even exist. It’s all smoke and mirrors from the inception.
There is no such thing as title to real property. Think of the title to your car: personal property with a document—any lien is usually indicated on it, you can pay it off, it is signed, you keep ownership then and can go anywhere with it. No license is required if it’s not on the street; you can freely transfer ownership. Whereas if you own real property, you don’t really own real property, it’s owned by the states. We only have a bundle of rights to the possession and ownership of real estate, which can be taken away through eminent domain, nonpayment of taxes, and the police power.’ And let me add—foreclosure.
So therefore, the whole thing is a scam. The language is just designed to obfuscate the fraud.”
This may all sound kind of confusing to those not familiar with the concept of allodial title, which is apparently what Cox is referring to, even though Dubin doesn’t indicate that Cox used that particular term in their correspondence. Cox may very well have used the term, on the other hand—the point is that Dubin doesn’t tell us.
What is “allodial title?” Just what Cox said—that you don’t own real property. The state in fact owns your property (and everyone else’s), and has title superior to yours. This is as good an explanation of allodial title as can be found online: “Allodial Title as explained by Thomas Jefferson.”
And thus the illusion is complete—the bank is said to create money from your promissory note (even though your promissory note is actually the money), in order to pay for property which you don’t actually own, and you must pay the bank interest for this “privilege,” which is commonly referred to as land/home “ownership.” In other words, the bank sells you fake money to pay for property you will never really own, and no one bothers to explain any of this to you. Except Charles Cox and Gary Dubin just did.
P.S.–Also on the corruption of the courts, Stafne pointed out the obvious truth of the oligarchy the U.S. has become:
“There’s no difference in our system now—with these judges that have the power to do what they want based on their own gut feeling—than there was in Russia back when it was the Soviet Union, or China…”