Living Free and Clear

 What if you could effectively free yourself of
your mortgage and debts in a few months vs years*

The goal is to be completely free and clear, using commonly
accepted Exchange For Value follow by a powerful
"Administrative Processes" (vs arguing in court).

"We just removed a $1 million+ mortgage lien from our Las Vegas home in less than
7 weeks. Goodbye upside down mortgage, hello free and clear!"
Robert M.  Las Vegas
(certain final processes are still underway)

 

 Attend our next Free webinar and private Q&A calls to get questions answered
- enroll to get notified below.  Watch for announcement and schedules sent weekly.
Webinars usually held Wednesdays followed by additional Q&A sessions weekly,
with recorded replays available 24/7.

Contact Information First Name * Last Name * Email * Phone

(ABOUT 5 MINUTES)

1.  The Process: hundreds of claimed cases before we got involved and improved it.

2.  The Paperwork: The proper documents with a track record of success, established before we incorporated and updated them, and developed this more advanced system.

3.  The Psychology TO SUCCEED: The right winning mindset may be the most important factor of all. You direct and control your process completely, once you know the basics.  You must have the determination to succeed.

…and of course…based on proven training and support to keep all 3 steps on track.

 

LEARN MORE – WATCH A RECENT WEBCAST REPLAY
(A new window will open, disable your pop ups.  About 1 hour detailed overview)

Due to large demand, please watch this prior to inquiring with questions, it may answer most of them.

Then watch this detailed video asking: Is Debt the Only Money We Have, and
Have You Have Been Tricked Into A "House Of Cards" of Paper Debt?

1. The Mortgage Process Explained (course preview) HERE

2. OPTIONAL: Foundational Overview & Self Banking E-Course HERE 

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FREE FORECLOSURE BONUS TOOL
YOU CAN DOWNLOAD NOW: DOWNLOAD

Please use this FREE-proven information to possibly stall or stop an auction. Since our processes takes some time to develop, it can work to your advantage to defer the auction properly before starting with this education.  This is not legal advice, just educational material for your private use. Do this at zero cost before getting involved in our training.

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Outline of potential processes you may use with our system…

First you must determine whether your mortgage is current, a few months delinquent, or possibly facing foreclosure. Then you will decide a course of action that is appropriate for your situation.

If you are facing foreclosure within a few months, you may utilize tools we provide which helps you defer the situation long enough to implement one of our systems.  There is never a guarantee that lenders will cooperate, but we show you how to put extreme leverage on them to get the time necessary to settle the matter.  We even provide a free tool on this web page that you can use, if necessary, to start getting the matter deferred, even before you join our program.

If your mortgage payments are current or only slightly delinquent you have plenty of time to start with Process 1.

PROCESS 1:  Exchange for Value – Settlement System

In simple terms you'll actually draw upon your "creditor power" to initiate a transaction whereby your mortgage could be paid via the government (or governmental related agencies). Once you learn how our country’s money system really works, you'll realize you have tremendous “creditor power” without using traditional methods of payment. You must remember, that all credit created in this country is by the signature of humans only. There is no other real money (is all notes and promises, backed YOU, the human creditor. Understanding this and how it was established is key to making this system work. Some of the free material we provide on this website can help you better understand this.  Then we simply teach methods to exercise that power.

This "offsetting" strategy is truly cutting edge.  Through multiple interview with others using something similar, many have claimed it has been proven to pay often settle matters such as mortgages, car loans, consumer debt, credit cards, taxes, system utilities, and more.  This is why we recently added this to the processes we make available to learn. Then we simply added some powerful new tools to make the process more systematic and easy to use.

Is it guaranteed to work?  All we can tell you is that of the dozens of cases we've heard, it has a very high likelihood of succeeding.  In fact one person we heard in our research  claimed to pay approximately 50 bills this way with only one failure (it was not the right kind of utility bill anyway).  Of course we cannot claim this process works the same for everyone without more empirical data.  But we do understand why it works and that is the most important thing. Once you understand the basis of the you will see why it should work too.

This process can take as little as 30 days and up to six months complete.  Because it can involve government payment agencies, it is very difficult to determine, and the ultimate result will only be seen on your bills statement when it occurs.

How complicated is it?

It is simple as writing some additional information on a current bill, combined with a couple of cover letters, and a few simple government forms (not related to any officially announced government programs). Then follow up a few times as needed.

PROCESS 2:  Administrative Process System

If for some reason this Exchange for Value process could not settle the matter, we then suggest you enter into our "Administrative Process"

This is a much more in-depth "challenge the debt claim" method. With this process you essentially establish that you have paid (using the previous mentioned system). You study and work diligently to aggressively have the lender remove its claim on the property.  Ultimately this commonly results in a release of lien on the property, by using a default contract method. In other words if the lender does not cooperate, they could end up defaulting, thus resulting in themselves committing a fraud, using a self executing agreement. Many argue that these alleged lenders committed fraud from the very beginning.  The process will help determine this.  If in fact it did happen that way, you could have a claim which you can force a settlement upon.  Several recent court cases involving MERS have also further proven the position we take, and the risk these alleged lenders are in.

Ultimately there may be a point where you may have to enforce this process, even getting certain government agencies on your side.  We brought together several resources which you will have access to, to assist you with that process in our training material.

PROCESS 3: Other legal resources

This may involve using techniques such as land patents, quiets title, class actions, and even political actions that may be necessary to resolve your mortgage situation. We can provide access several bonus materials on these subjects, some of which are included with our program and some would incur additional fees, if you decided to proceed with further legal actions of course.

At every step remember this is a SELF HELP SYSTEM. We cannot render legal advice or direct legal consulting on a case. No one is going to do it for you. But we provide excellent training materials and systematic tools you can use, to do most of this yourself. We can also provide access to additional support entities to provide additional assistance if needed (sometimes at additional cost), depending on choices you make. Our online support system and weekly trainings are designed to answer basic course in question you have along the way, to help ensure you keep moving forward.

Please review the entire e-book, and some of the videos on our website, and even investigate other options. Then decide if this is right for you.  These are important decisions that would not only help you deal with your current mortgage, but can change your entire life, financially speaking.

 

OTHER HELPFUL ARTICLES – DO YOUR RESEARCH FIRST Try this legal dictionary: Self Help Lawsuits and Legal Terms Dictionary News article: Judge Rules in Favor Ebook on securitization and notes LAS VEGAS – another case in favor of consumers when lenders can't produce standing Commerce Study Guide The Money Masters Video – documentary to understand the "paper" economy How Banks Create Money From Your Signature Lender Deception – The Note Process Explained Landmark Decisions in Our Favor Why the FEDERAL RESERVE exists Foolish optimism will catch you sleeping – eliminate debt NOW – Fox News Article – are we sitting debt ducks? Mary Croft Tax Book HJR 192 on Real Money The Science of Money Article – How mortgages are frauds History and Solutions to the Monetary & Debt Crisis Robert Menard – Bursting Bubble (funny and informative video) What PRAVDA Says About AmericasDebt and March to Marxism – the death of capitalism and freedom is possible   RECENT NEW YORK TIMES ARTICLE: If Lenders Say ‘The Dog Ate Your Mortgage’ By GRETCHEN MORGENSON For decades, when troubled homeowners and banks battled over delinquent mortgages, it wasn’t a contest. Homes went into foreclosure, and lenders took control of the property. On top of that, courts rubber-stamped the array of foreclosure charges that lenders heaped onto borrowers and took banks at their word when the lenders said they owned the mortgage notes underlying troubled properties. In other words, with lenders in the driver’s seat, borrowers were run over, more often than not. Of course, errant borrowers hardly deserve sympathy from bankers or anyone else, and banks are well within their rights to try to protect their financial interests. But if our current financial crisis has taught us anything, it is that many borrowers entered into mortgage agreements without a clear understanding of the debt they were incurring. And banks often lacked a clear understanding of whether all those borrowers could really repay their loans. Even so, banks and borrowers still do battle over foreclosures on an unlevel playing field that exists in far too many courtrooms. But some judges are starting to scrutinize the rules-don’t-matter methods used by lenders and their lawyers in the recent foreclosure wave. On occasion, lenders are even getting slapped around a bit. One surprising smackdown occurred on Oct. 9 in federal bankruptcy court in the Southern District of New York. Ruling that a lender, PHH Mortgage, hadn’t proved its claim to a delinquent borrower’s home in White Plains, Judge Robert D. Drain wiped out a $461,263 mortgage debt on the property. That’s right: the mortgage debt disappeared, via a court order. So the ruling may put a new dynamic in play in the foreclosure mess: If the lender can’t come forward with proof of ownership, and judges don’t look kindly on that, then borrowers may have a stronger hand to play in court and, apparently, may even be able to stay in their homes mortgage-free (our process goes way beyond this). The reason that notes have gone missing is the huge mass of mortgage securitizations that occurred during the housing boom. Securitizations allowed for large pools of bank loans to be bundled and sold to legions of investors, but some of the nuts and bolts of the mortgage game — notes, for example — were never adequately tracked or recorded during the boom. In some cases, that means nobody truly knows who owns what. To be sure, many legal hurdles mean that the initial outcome of the White Plains case may not be repeated elsewhere. Nevertheless, the ruling — by a federal judge, no less — is bound to bring a smile to anyone who has been subjected to rough treatment by a lender. Methinks a few of those people still exist. More important, the case is an alert to lenders that dubious proof-of-ownership tactics may no longer be accepted practice. They may even be viewed as a fraud on the court. The United States Trustee, a division of the Justice Department charged with monitoring the nation’s bankruptcy courts, has also taken an interest in the White Plains case. Its representative has attended hearings in the matter, and it has registered with the court as an interested party. THE case involves a borrower, who declined to be named, living in a home with her daughter and son-in-law. According to court documents, the borrower bought the house in 2001 with a mortgage from Wells Fargo; four and a half years later she refinanced with Mortgage World Bankers Inc. She fell behind in her payments, and David B. Shaev, a consumer bankruptcy lawyer in Manhattan, filed a Chapter 13 bankruptcy plan on her behalf in late February in an effort to save her home from foreclosure. A proof of claim to the debt was filed in March by PHH, a company based in Mount Laurel, N.J. The $461,263 that PHH said was owed included $33,545 in arrears. Mr. Shaev said that when he filed the case, he had simply hoped to persuade PHH to modify his client’s loan. But after months of what he described as foot-dragging by PHH and its lawyers, he asked for proof of PHH’s standing in the case. "If you want to take someone’s house away, you’d better make sure you have the right to do it," Mr. Shaev said in an interview last week. In answer, Mr. Shaev received a letter stating that PHH was the servicer of the loan but that the holder of the note was U.S. Bank, as trustee of a securitization pool. But U.S. Bank was not a party to the action. Mr. Shaev then asked for proof that U.S. Bank was indeed the holder of the note. All that was provided, however, was an affidavit from Tracy Johnson, a vice president at PHH Mortgage, saying that PHH was the servicer and U.S. Bank the holder. Among the filings supplied to support Ms. Johnson’s assertion was a copy of the assignment of the mortgage. But this, too, was signed by Ms. Johnson, only this time she was identified as an assistant vice president of MERS, the Mortgage Electronic Registration System. This bank-owned registry eliminates the need to record changes in property ownership in local land records. Another problem was that the document showed the note was assigned on March 26, 2009, well after the bankruptcy had been filed. Mr. Shaev’s questions about ownership also led to an admission by PHH that, along the way, it had levied an improper $450 foreclosure fee on the borrower and had overcharged interest by an unstated amount. John DiCaro, a lawyer representing PHH at the hearing, was in the uncomfortable position of having to explain why there was no documentation of an assignment to U.S. Bank. He did not return a phone call seeking comment last week. Ms. Johnson, who couldn’t be reached for comment, did not attend the hearing. According to a transcript of the Sept. 29 hearing, Mr. DiCaro said: "In the secondary market, there are many cases where assignment of mortgages, assignment of notes, don’t happen at the time they should. It was standard operating procedure for many years." Judge Drain rejected that argument, concluding that what had been presented to the court just did not add up. "I think that I have a more than 50 percent doubt that if the debtor paid this claim, it would be paying the wrong person," he said. "That’s the problem. And that’s because the claimant has not shown an assignment of a mortgage." Mr. Shaev said he was shocked when the judge expunged the mortgage debt. "We are in uncharted territory," he said. "Right now I am in bankruptcy court with a house that has no discernible debt on it, yet I have a client with a signed mortgage. We cannot in theory just go out and sell this house because the title company won’t give a clear title on it." Among the next steps Mr. Shaev said he would take is to file an amended plan or sue to try to get clear title to the property. Late last week, PHH appealed the judge’s ruling. But Mr. DiCaro and PHH are in something of a bind. Either they will return to court with a clear claim on the property — including all the transfers and sales that are necessary in the securitization process — or they won’t be able to produce that documentation. If they do produce it, they will then have to explain why they didn’t produce it before. Oh, what a tangled web these mortgage lenders weave. …our Living Free and Clear Mortgage process is by design a non-court scenario in most cases, we already know we can win administratively now!         SETTLE YOUR MORTGAGES FAST (months vs years) - ENROLL BELOW According to statement of those we researched, it is estimated there have been 100's of cases that have succeeded by two separate private groups, and countless more have likely succeeded we have not heard about. They have all done it the harder way. Now literally thousands can discover these loop holes in the system, and implement these insider secrets, thanks to our expanding into this serious area of education. Our 10 years of teaching wealth creation, real estate investing, mortgage acceleration, and coaching, we are uniquely qualified to bring this system to a larger audience. Best of all, the banks actually get paid, so no harm to the consumer or bank is involved, in our opinion.

 

Now the bad news…

Some people who HAVE failed at SIMILAR sounding processes.  What did they have in common? They simply did not have the tools or did not follow through completely. We believe we can provide that system. Our plan is to help you keep the  process moving forward and help you maximize your chances of success. THERE AR NO GUARANTEES. Although we just recently launched this offer and upgraded system, our background combined with years of study and research will dramatically increase the likelihood of success.

Once you understand how "debt is created out of thin air", mortgages are created and sold, and understand your rights to proper disclosure, you may then also understand how to manage a settlement of that "alleged" mortgage in as little as 3 to 6 months.  Using well proven “Administrative Mortgage Settlement” process, your chances of success dramatically increase. 

Although it sounds too good to be true, we want to assure you, we will NOT even accept applications from people who have not first read our free e-course and watched our detailed video information. Do your OWN homework. THEN decide if you want to participate.  We are only interested in working with folks who can follow a proven, easier to understand, detailed checklist, and stick to it. Once you understand the psychology and administrative positions you must take, you will then better have the "mental ammunition" to win.

• How much would it be worth to eliminate your mortgage and all debts in as little as 3 to 6 months?

• How would your life change?
   
• Could you share this with others and change their life?
   
• Could this free up our economy and create real wealth and a real economic recovery faster for our country?
   
• What if you could apply this technique on Investment Properties?
   
• What if you could stop foreclosures fast and protect ALL of your equity?
   
• Gain financial mastery over your finances with this banking education.
   
• Quickly convert yourself into a Creditor vs. a Debtor the rest of your life.

This is NOT a "get rich quick-push button simple" process, we can show you a detailed step by step process.  You will literally ask the lending parties some reasonable questions, and challenge the mortgage bank as to the validity of their claim.  Instead of trying to argue to win, as with Loan Modifications, Short Sales, and Audits (most lose at those approached, by the way), we teach you how to conditionally accept the lenders claim – IF they can prove their claim. 

There is little question about "conditionally accepting" something, and then making a reasonable demand they prove their claim, and stating their penalty to you for not complying.  This simply requires lenders produce certain legitimate documentation which they have yet to produce to date. Then YOU automatically have damages to enforce, and finalize the settlement, with the law heavily on your side. If you did have to go to court, solid evidence is a huge key to winning. The goal is to win by administrative default. Out of court (unless that is what it takes to collect your newly established contract).

At that point, you do not have to prove anything or argue. They have to prove something to YOU instead. This is a much easier position work from than other so called "magic cancellation or half baked loan modification" programs you may have heard of.

In just a few weeks after submitting the first few documents, you will know where you stand. Then you move to phase 2 and collect or settle the matter in full (with solid follow through). 

Here is what you get – if you start now

We may not do the "fishing for you", but we guarantee to teach you to fish like a pro. Knowing what is going on and keeping you in the process is key to success with this type system. You are in total control of every step, through self learning.

When using a simple to follow Exchange for Value Approach combined with a time tested Administrative Process (vs. in court process), the GOAL is to do this by administrative rules, and win by acquiescence and approval from the lenders who cannot easily refute your requests and demand.  Our process generally allows you to win by default.  In an extremely rare instance that you were to go to a court situation, your evidence assembled and your understanding of it, is extremely compelling.

 

• IF you are facing foreclosure, we also provide several tools that should help you defer that action long enough to complete these "Exchange or Value" or "The Administrative" processes.

• IF you are current on almost ANY debt – then start this process and patiently wait for the results.
  

• Simplified worksheet based system to get you to a fast start.

• Assistance in drafting your first set of processing documents or you can use our provided Auto Fill software to complete your docs in minutes.

• Complete RESPA, Phase 1, Phase 2, Fast STOP Foreclosure Docs, and Enforcement documents you can modify for your situation.

• BONUS: Fast Start Foreclosure Kit – to help you defer and likely stop a foreclosure action, in order to get the time needed to complete the entire process we teach.
  

• Complete – all online private student web site full of:

  - Step by step videos.

  - Training audio downloads.

  - Bonus forms.

  - Auto fill software and templates, to make generating dozens of documents a snap.

  - Bonus articles and updates as they occur.

  - Student only Q&A calls.

  - Personalized support after you complete training via trouble ticket or live calls as needed.

  - Referral to experts who can assist with legal matters, notary acceptor services (required),
    secured party bonding (optional), advanced money training (optional), and more.

  - Instant online access within 24 hours. (get it all below).

  
  

• Ongoing small group training multiple properties.

• Cutting edge real estate investing that can actually work in THIS market.

• A license to use software on multiple properties and mortgages.  

• You will be shipped TJ’s Full GOLD real estate mentoring course (a $5000 value alone), complete with forms, strategies, and plenty of no qualifying, zero down methods to obtain properties, then settle the mortgages in full. 

• Learn to buy all the houses you want, little or nothing down, no bank qualifying, and execute the free and clear strategy, before you take a risk.

• No difficult “loan mods” or un-fundable short sales, or loans needed!  Just be sure to help out these homeowners into a better situation (those are our rules of ethics we want you to follow).

Our 7 year time tested real estate investor system includes all you need to succeed; documents are included for doing, options, short sales, foreclosures, subject to’s owner financing, lease options, and more. MP3 Audios also included.  (all download-able and updated from our real estate web site). BUT now you also have he chance to own these properties FREE AND CLEAR.  Compare that to ANY real estate mentoring course out there.

Again, you must qualify for this program and coaching. Please submit your application below, to receive details and a personal call to review your situation.

PLUS become an affiliate. With just 4 referrals your cost is ZERO (net).

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So how do we get started?

AFTER you indicate you have seen the entire video and read the ebook. Request a consultation via our support system. We simply get too many inquiries to accept all who call before doing that much review.  Thanks for understanding.  Then submit your details below and send in our course agreement.

Our fees are as follows (subject to change and subject to availability).  Once our current student load is full the door can close at any time. We only have so many qualified coaches, until the next group comes through.

AFTER reviewing the complete videos above and ebooks…if you have questions?   
Email & include your daytime phone# and email. Be sure to indicate the nature of your request.

Contact your referring affiliate FIRST with questions.  Due to heavy volume, we cannot take inbound sales calls. by appointment only.

 

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Legal Information is NOT the same as Legal Advice