Both Bill Paatalo and I have been saying for months that court cases involving foreclosed homes don’t go far enough in making the banks (and their servicers) prove anything. This case may be an exception:

E2021002374 The Bank Of New York M V The Bank Of New York M Decision Order On 164 (2)

6.6MB ∙ PDF file

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I’ve been involved in this case for over 10 years and finally, we have an attorney that has figured out (somewhat) what this case stands to prove. This is a 52-page decision and the homeowners did have to pay the servicer as part of the judge’s decision, but it’s not what you think!

The banks lawyers would have to accept the settlement amount (which basically amounts to one mortgage payment) and acceptance (according to the UCC) means finality. There are many questions in this case … one of which is admitting one is in default when one loaned their credit to a corresponding lender in the first place.

I look forward to your comments as we read through this together because I just got this in this morning from the homeowners, especially the attorneys who visit this site.

More to come as we all analyze this matter. Please email cloudedtitles@gmail.com with your observations.

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So If It Wasn’t A “Loan,” What Was It?

Posted by admin on Jul 23, 2026 in Uncategorized | 0 comments

PART ONE RELEASED: How Derecognition, Securitization, and the Deliberate Destruction of Original Notes Rendered Mortgage Enforcement Structurally Impossible | BP Investigative Agency

PART TWO RELEASED: The Follow-Through — The Industry’s Own Economics, the Money Circuit, the Payment Stream, and the Tax Record | BP Investigative Agency

When you read and digest the two papers I just released, you will hopefully begin to understand that the entire scheme, when dissected down to the granular level, is completely dependent upon presumptions and ignorance, not the law. Just yesterday, I was asked the following question from a salty old lawyer, “So if it wasn’t a loan, what was it?” Here’s the answer:

What it actually was — five true descriptions, each more precise than “loan.”

1. Economically: a repurchase transaction

The Brookings caption settles this. The note was “born as repo collateral,” valued at “the loan balance minus a haircut,” pledged to the warehouse lender at closing, and released directly “to the securitizer-investor” while the proceeds “flow directly to the warehouse lender.” That is the exact anatomy of a repo: acquire an instrument, pledge it same-day for cash, unwind within weeks by sale. The originator ran a matched book, like a bond dealer — it never held the instrument, never had its own capital at risk beyond the haircut, and never earned a spread on the note itself. Bond dealers don’t make “loans” to the issuers of the bonds they trade. Neither did the originator.

2. Functionally: a raw-material procurement event for securities manufacturing

The closing table was not the end of a credit decision — it was the loading dock of a production line. The borrower was the supplier; the note was the feedstock; the mortgage/deed of trust was packaging that gave the instrument a real-estate flavor so it could feed a REMIC. The industry’s own white paper (MBA/PwC) describes originators as manufacturers in a pipeline, with cycle times and pull-through rates — the vocabulary of a factory, not a lending desk. What the borrower thought was a closing was, to the industry, an acquisition of securitization inventory.

3. In substance at T0: the borrower monetized his own credit

No pre-existing funds were ever lent. Under Part 1’s credit-creation analysis (Modern Money Mechanics; the Todd Affidavit), the “funding” was a simultaneous bookkeeping creation — a deposit created against the borrower’s note. The borrower handed over a negotiable instrument; in exchange he received newly created credit that existed because he signed. He monetized himself. The only real consideration in the room came from the borrower — his promise to pay and his house as collateral. The “lender” contributed an accounting entry, instantly sold the instrument, and booked the created liability nowhere (Part 2, § XV). An exchange in which one side supplies all the value and the other side supplies a ledger entry is not a loan — it is an uncompensated issuance of a security by the borrower.

4. Legally: an Article 9 note sale masquerading as an Article 3 loan

Here is the sharpest legal characterization. Under UCC § 9-109(a)(3), the outright sale of promissory notes is an Article 9 transaction — and the industry insisted it was exactly that: “true sale” opinions, derecognition under ASC 860, off-balance-sheet treatment. But at foreclosure, the same industry showed up claiming to enforce under Article 3, as a holder in due course of a negotiable instrument. It cannot be both. It was either sold (Article 9 — enforcement follows the Article 9 chain, which was never perfected, never documented, and never produced) or held (Article 3 — but no one ever took by negotiation, because no endorsement ever existed until one was manufactured at foreclosure time). The industry built a structure that was neither: sold for accounting and tax purposes, “held” for enforcement purposes — a legal nullity in both directions.

5. In the tax record: an extinguished liability later re-billed to the borrower as “income”

The IRS record completes the identity. The unbooked T0 liability eventually surfaces — not on the industry’s books, but as a 1099-C issued to the borrower, “cancelation of debt income” (Part 2, § XVI). The industry’s own tax filings record that the debt was extinguished — while the collection apparatus kept collecting. A “loan” whose creditor has already recorded its cancelation is not a loan; it is a spent instrument still being enforced by parties who were never owed anything.

So what was it? — the one-paragraph answer

It was a securities issuance by the borrower, purchased with credit created against the borrower’s own signature, instantly pledged as repo collateral, sold through a warehouse conduit to securitization investors, and extinguished as a liability at T2 — with a mortgage attached as a collateral enhancement and a servicing strip retained as a collection franchise. The certificateholders were the only parties who ever advanced real money, and they bought certificates from a trust that never received the notes — so the actual funding source never acquired the right to enforce, and the parties claiming the right to enforce never funded anything. Calling it a “loan” is the industry’s cover story: loans are made by creditors who hold the instrument and bear the risk. This was manufactured, sold, derecognized, and extinguished — and then enforced anyway, by strangers, against the only party who ever put real value on the table.

This provides you the rebuttal to the first false narrative — “You took out a loan, correct?” The correct answer is: “No. I issued a negotiable instrument that was purchased with credit created against my own signature and sold within days as repo collateral. Show me the loan — show me the creditor who funded it, holds it, and bears the risk of it. There isn’t one. There never was.”

William Paatalo – Private Investigator – OR PSID# 49411

DISCLAIMER: Sorry, I have to include this. This is educational research, not legal advice. You have to fully understand the argument. My staff ran this through Claude AI and got pissed all over by the platform and told that this theory was just some cockamamie excuse for a legal argument that has failed in the past. Understand that AI (like Claude), is programmed with past BULLS**T and relies on that bank-filled diatribe to spit out this nonsense. If AI platforms can attack other platform, which has been proven to be true, you do NOT want AI doing your solution programming!

The banks always (seem to) win. This is their arrogance … until someone finally manages to uncover their backdoor accounting. Then … and only then … does the proverbial ca-ca hit the fan!

ANNOUNCEMENT: The Krieger Files starts up again this coming Monday on WEAG-FM (https:/weag1063.com) at 12 Noon Eastern Time. I’ll be covering this topic and taking your phone calls at (904) 964-WEAG (9324). Our listen by phone line is (518) 896-1903. We are streaming on the Galaxy 19 Satellite at Channel 3 as well. The show will air Monday-Friday on this station (the flagship) and will be recorded and archived on The Krieger Files RSS feed.

The Open Records Act requests came to mind in one instance. Can you fathom what reaction you’d get if you sent these types of requests against state judges asking them for stuff like the following:

1. Release all of the names, account numbers and any relationship with a banking institution you are involved in, especially with a bank involved in the case of the homeowner.

2. Provide a list of accounts you hold where you were paid off or a family member was given a trust fund to buy off the judge by a banking institution.

3. Provide a list all mortgages on properties you hold. (These mortgages are generally omitted from the public record). Hmmm … trying to determine a conflict of interest? See Countrywide v. Mines (Florida case).

If the judges were bought off, what would happen if you came snooping around, legally?

Most of these judges do not understand securitization in the first place.

So here’s a document from private investigator Bill Paatalo that you need to read, especially if you are facing foreclosure.

How Derecognition, Securitization, And The Deliberate Destruction Of Original Notes Rendered Mortgage Enforcement Structurally Impossible

363KB ∙ PDF file

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Then … you need to reach out to me personally at cloudedtitles@gmail.com and make contact regarding next steps to rectify what it is your strategies are (without legal advice being rendered … it’s kind of like doing intake).

The number of foreclosures in this country is on the increase. This is no time to dawdle. My time is limited but I’m still here to help.

We are still trying to determine the best time slot for The Krieger Files to be broadcast on our radio network. We will have that announcement shortly.

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Join Dave Krieger at 9:00 a.m. Eastern Time (following the Morning Show from 6-9 a.m.) for The Krieger Files. Dave’s guest is Michael Letts, CEO of InVestUSA.org, who helped Dave engineer active shooter vests for the Bradford County Sheriff’s office so the first responders can survive and go home to their families after going into an active shooter situation.

Michael Letts has made national notoriety with a new comic book that encourages young people to volunteer and train for positions within law enforcement, firefighters and emergency medical technicians to replace those who have since retired or passed on. He will be discussing the venture he undertook in supplying over 10,000 active shooter vests to law enforcement agencies all over the United States of America!

More to come! Stay tuned!

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It saddens me to read the articles surrounding his disbarment. There is no real justice in America when it comes to righting wrongs caused by the foreclosure industry, especially when foreclosure mill law firms can buy off politicians.

On May 7th, the Washington Supreme Court took away Stafne’s right to even practice law, let alone represent Washington State homeowners against the banks’ predatory, securitization lending practices and the follow-up, questionably-suspect foreclosure proceedings. You can read the Order below:

Stafne Disbarment

100KB ∙ PDF file

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One has to realize that in order to get a “finding” from the State Bar’s Disciplinary Board, someone (or a lot of someones) has to file a complaint with the Washington State Bar Association’s Disciplinary Board. This bunch of scumbags still owe me $50 for a “no response” when I applied to teach a quiet title workshop in their precious little, corrupt state. The Supreme Court is really no different when it comes to kowtowing to the banks and the mortgage industry in general. That became very relevant after former Ohio Attorney General Marc Dann and I appeared before a crowd in Tukwila back in 2012, just before the Bain decision was rendered by this same bunch of relegated fools.

I have little regard for any of the courts in Washington State, given the amount of negative press they’ve received in the last three decades. So many foreclosure defense advocates, like Jill Smith, faced the same fate, based on technicalities.

Again, the lone wolves will eventually face the system’s “traps” and “snares”.

I wouldn’t pay a dime of costs and expenses to the WSBA. These people (in my book) can go rotate on their thumbs. These scumbags certainly appear to be controlled by the nation’s financial institutions and we certainly can’t have any attorneys out there defending the apparent thefts of homes by the hundreds now, can we?

Scott Erik Stafne will go down in this nation’s history books as a fighter for the common man. God’s Speed be with you sir as to your future endeavors as an advocate.

The courts in Washington State will continue to have little regard for the knowledge involving the securitization practices of the banks that have robbed homeowners of their properties and pension funds of their retirement savings. Then again, until the right set of allegations proves that the entire system of justice in this country is corrupt when it comes to foreclosures, distressed homeowners will have to bear the burden of financial hardship in what looks to be a continued major property grab, not just in Washington State, but in the rest of America as well.

And for the rest of us who aren’t under the jurisdiction of the State Bar Associations, we need to keep fighting the good fight.

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Much of what we offer will be solution-based programming! We’ll even be covering all aspects of real estate, land ownership, financial security, growing food, trusts and more!

If you are interested in our satellite outreach program, please contact Rick’s Satellite USA HERE! Let Rick know you were referred by WEAG-FM in Florida! There are more than 70 different channels you can access on satellite and no one will know what you’re listening to (not even “Uncle”).

If you wish to know the progress of our changeover, you can listen to the latest updates on The Krieger Files May 8th episode of our satellite broadcast!

And as usual, Satan and his dark forces are at work, trying to interfere and degrade our ministry to the masses. Pray for our operation to succeed, because the sanctity and safety of America may depend on it. As in all Biblical prophecy, Satan also knows the Word and uses it to deceive. Thus, we implore you not to believe everything you read in this day and age! A lot of it is A-I generated and meant to deceive even the very elect (as prophesied in the Bible)!

Our official Facebook page is HERE! Please like and comment on what you’re seeing!

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And if you have a business or an entrepreneurial idea that you wish to grow and have drop-ship capabilities as part of your fulfillment, please contact me directly through our official website and let us know what you’re up to!

And a big shout-out to our investors who continue to keep this project going! Thanks to Nick for coming down here from Nashville and spending time with us, revamping the station’s electrical system! He’ll be doing a segment on the needs of America’s grid and our determination to survive. He may have nationwide job openings very soon, where you can train to become an electrician (America needs 500,000 of them)!

And if you’re a podcaster who wants to take your story to the masses, please contact WEAG-FM directly and we’ll give you an address to send your mp3 sample! You may even wish to tell your story about things that have affected your life and that of others.

One final parting item … we have contracted to put in a new well pump, so our community garden project can move forward (many thanks to the University of Florida’s agricultural extension program for their assistance in making this happen on the station’s 3 acres!). We have several horticulture and permaculture groups that want “in” on this project! We want to teach our community to grow food because this country is facing a serious food crisis.

More to come soon! Can’t wait for you to see the new air studio!

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Part of the foreclosure process is the “how to” in dealing with today’s court systems. It’s bad enough that most folks don’t trust attorneys … but now the judges too?

It’s unfortunate that unless you can keep your case out of “foreclosure court” and inside of the parameters of a county court at-law, your chances greatly diminish in getting a favorable ruling. This is why is pays to heed the following unless you want to intentionally become a victim of foreclosure court:

1. If you even THINK you’re facing financial trouble, it’s time to start pulling your credit reports and looking at the condition of your credit history and challenging all of the little stuff (addresses, dates, times, places, etc.) as all of this “sidenote” information affects the past reporting of trade line items because all of this ancillary information is tied to your credit history. Having too many addresses makes you look like a transient and makes it harder to get financial relief.

2. If you even THINK you’re going to NOT be able to make that monthly mortgage payment, just remember that the mortgage loan servicer and its henchmen cubicle operators are the parties behind the scene that strive to make your life difficult. That would mean a it’s a great time to start giving them “something to do” besides calling and hounding you for money. Starting up with the QWR’s/DVL’s might be a great way to “head them off at the pass” because most astute foreclosure fighters out there know that sending these types of documents buys time from the start of the foreclosure.

3. You only have to be 30 days late to be in an alleged “default”, which has to be proven by the “lender”. But what if the “lender” isn’t the “lender”, but rather the servicer pretending to be the “lender”. Do you have a contract with the servicer?

4. This is why looking into the Administrative Process sooner than later might not be a bad idea. If you knew that judges don’t give a rat’s ass about the January 1961 Federal Reserve Bank of Chicago’s “Modern Money Mechanics” and the Credit River decision in Minnesota, then the time to start your skirmish would logically be BEFORE the SHTF.

5. Hitting the servicer with both barrels BEFORE a foreclosure process even starts seems to be the more prudent method of getting in front of the right judge (that’s not being hounded to give homes to the banks’ servicers with no proof of anything) … the chances of winning in front of a foreclosure court judge are estimated at 1 in 100,000 now, while the chances of winning in front of a county court at-law judge are 1 in 250 because foreclosure isn’t the issue … what happened prior to the closing table IS the issue.

It’s only a matter of time before the real truths start coming to light, just as they have about divisiveness in the main stream media!

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Better is offering these “visions of a hamburger” type products, powered by Coinbase, in an effort to expand access to homeownership while benefitting from the same backing of Fannie Mae as other conforming mortgages. If approved for a loan by Better, Coinbase One members will be eligible for up to $10,000 in closing cost credits.

The blog goes onto promote that for the tens of millions of Americans who hold digital assets, crypto-backed mortgages create an option to secure housing in a housing market where access has become increasingly constrained.

MY TAKE:

It amazes me that you can create something out of nothing and then convince the entitled in this country to take a “bite of the apple”, in thinking they’re going to get the benefits of the fruits of their labor. It’s bad enough that the banks have been allowed to create money of account by simply adding a book entry and then claim that you actually borrowed money of exchange. The fault lies within the convenience and the false promotion of something that doesn’t exist can be used to buy something that does exist … with permission of course.

Do you see the control mechanisms at work here?

Socialism looks great on paper until someone else’s money runs out … or the false idea that the money created out of thin air is real. This equates to the term, “when pigs fly”.

And what happens when the entire system of fiat currency is replaced with a digital currency you can’t hold in your hand as “legal tender”? Then what?

This blog illustrates the beginning of the end for convenience and spells doom for the future of property ownership in America, especially when you see how these crypto-backed mortgages are structured.

The backers of these schemes claim that crypto-backed mortgages function just like a conventional home loan, with the same legal protections. The key difference is simple: Instead of needing to come up with cash for the downpayment, borrowers can pledge their crypto holdings as collateral for a separate loan that’s used to cover the downpayment. And this is supposed to be a major step forward for a real-world utility that has been fronted with fiat currency in the first place?

Think: “The Emperor’s New Clothes” … and you might be on the right track.

With this process you get “two loans at closing”. How convenient is that?

One for the downpayment and one for the actual mortgage. A sucker’s bet!

If the system is rigged to screw homeowners into believing that they actually “borrowed” money in the form of a “loan” and derived a “benefit” from it, then the system wins every time. The exact opposite is exposed if you’d just read the January 1961 issue of Modern Money Mechanics, issued by the Federal Reserve Bank of Chicago itself, explaining how money is created out of this air.

It kind of operates the same way when you factor in digital currency, which is tied to blockchain, which is tied to property titles, which is tied to the banking cartels.

This makes perfect sense … except when the bank comes calling on you to make a payment on something you know was created out of thin air and you tell them to pound sand.

This is why the Administrative Process was created. To expose the wrongdoing.

The use of this process requires patience and understanding of what you are trying to accomplish here. This process has nothing to do with your current foreclosure situation (if you’re in one), so you cannot cobble the two together successfully when the old narrative is in play. It simply cannot work like that as the system of things is only focused on the terms, “borrower”, “loan” and “money”.

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What does that do for us?

Read more

Those who are in denial that believe they can get a “fair shake” in today’s foreclosure court systems across America are fooling themselves.

The Las Vegas Foreclosure Wars 3.0 workshop was not well attended. Three attorneys, two investors, one Realtor® and several affected property homeowners got a snootful of truth. I was surprised that those in Hawaii that wanted this workshop didn’t show up. I don’t know whether it was because they think we have an unmitigated duty to give them free airfare, hotel and meals and free attendance or what. Junkets to Vegas aren’t that expensive, even with the reinvention of the airlines in order to sustain profits. All I can say is it’s their loss. They will have to wait until we upload the workshop on the website (shown below). You can watch and listen, but you can’t ask questions unless you contact Bill Paatalo directly.

The amount of funding it takes to put together one of these events is not a substitute for entitlement. This is part of the problem with people I talk to regarding coming to one of these events to learn stuff that isn’t being taught or shared elsewhere, it’s the apathy of those who believe that they can simply walk into any United States’ corporate court systems and get real justice.

On Day One, licensed Private Investigator Bill Paatalo shared his administrative process with those in attendance. You can go to ForeclosureWars.us to see the Orlando event to get a taste of what he shared with the class there … a prelude to the ammo he shared in the Las Vegas event, which is being edited and posted shortly.

On Day Two, I reviewed the differences between the “old narrative” and the “new narrative”. It truly was information overload for some. Some of the attendees were conflicted about the use of the Administrative Process and whether or not it would actually work, even though the program is “insured” by Lloyd’s of London and the homeowners don’t have to appear in court.

I pointed out that because of the fact title companies are directly involved with the initiation of security instruments and subsequently insuring (or not insuring) failed titles post-foreclosure, I cautioned those in attendance that they should understand that despite their best efforts in Bill’s process, they have to content with biased judges and lying bank servicers’ attorneys and that the attorney representing their issues in court may need all of the back stories in order to even get close to a win, despite the fact the cases won’t generally be heard in foreclosure courts.

And for those of you paying subscribers …

Read more

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2026 02 04 19 Nationstar Mr Cooper Corporate Disclosure Statement

492KB ∙ PDF file

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Had it not been for the people on our team investigating who “Mr. Cooper” (a dba) actually is … we may never have known how servicers “change colors”. No matter.

Who in this case are you going to sue?

Who becomes the real target when succession occurs?

What you see here is corporate layering to confuse the issue … can you spot the chameleon changing its colors to confuse its prey?

One entity then (by merger) owns another entity (a limited partnership) owns another entity (an LLC) … which jointly owns another entity (another LLC) … owns another entity until you get to Rocket Companies, Inc. which is a privately-held company.

How convenient that the statement, “No publicly-held corporation owns 10 percent or more of the stock of Rocket Mortgage, LLC. Did you get that?

Stockholders get paid dividends and may or may not have voting rights. They’re just in it for the ROI! One doesn’t not become “injured” when it has no interest in property rights! I can see where the whole chain would fail if everyone rescinded their mortgage loans though!

So there’s layering but the layers aren’t significantly held by any one entity, yet the actual merger occurred on February 2, 2026. See Rocket Mortgage’s press release here:

Rocket Companies Closes $14

192KB ∙ PDF file

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Notice that Redfin is also included in the mix?

So now, given what you know … WHO would you sue to stop the foreclosure?

Mr. Cooper (who I refer to as the apparent “pedophile of the servicing industry”) is going to be rebranded. But … for those of you holding a mortgage loan, understand that when the loan was securitized (and all of Rocket Mortgage paper is securitized), the note is then cancelled. All the “1’s” and “0’s” off of the securitized loan broker’s books go away due to factors involved in ASC 860 and 26 U.S.C. § 108(i)(4)(B) … which basically means the security has now been traded on Wall Street and is sucked into investment pools that have ZERO INTEREST in your property and couldn’t prove their way out of a brick shithouse if they had to.

The only “risk factor” in the whole equation is that some form of “Rocket” is going to be servicing 10-million-plus mortgage loans and its owners fear that at some point, people are going to wake up to the truth and file rescission notices on all their loans!

This pattern of behavior is exactly what caused Ocwen Loan Servicing LLC to fail.

Notice in the Press Release who the “Advisors” were?

This scenario doesn’t change the truth about securitized paper now, does it?

The loan was still derecognized when it left the brokerage company in the form of a security. The note is gone … and the “shell game” continues.

THE OLD NARRATIVE JUST GOT CRAZIER!

Enter Artificial Intelligence (“AI”). Did you read the “About Rocket Companies” section where they talk about implementing AI into the equation?

The entire scenario of what Rocket is positing here is still the same old bullshit in a different wrapper. Nothing has changed except for the attorneys who attempt to play consumers through the “old narrative” are going to quickly suck all of the consumer’s money out their wallets faster because the number of alleged entities involved (it’s only one entity really) look like a maze of corporate layering designed to make homeowners’ attorneys chase down multiple rabbit holes looking for the Mad Hatter.

Even the “paper” that was used to acquire Mr. Cooper by Rocket Companies was probably based on equity layering through Wall Street.

But no matter. Whoever comes calling claiming default will now become your target within the “new narrative”.

I find it interesting that less than 20 people actually know what the “new narrative” is. The rest of the populace of distressed homeowners just want to sit idly by and wait for some “result” so they can play copycat (but without the knowledge of how the process works) will be left penniless, which is exactly why these mergers occur … to further foil the foreclosure process.

Did you know that mortgage loan companies’ loan officers want to make sure you pay on your mortgage for at least 12 months … otherwise, they’d have to pay back all of the commissions they earned if you default within the first year. That’s the game the major players have foisted upon the lower-ranking echelon within the mortgage industry.

This entire merger is nothing more than the “Emperor with no clothes on”!

And of course, when the emperor gets naked, someone gets molested … just like Epstein! That’s how pedophiles work!

No matter how much buffoonery is laced into this press release … it’s still the old narrative … played into a ball of confusion. I’d like to see today’s alleged “foreclosure defense attorneys” wiggle out of this one! LMAO! (pause to absorb more reality)

ROFLMAO!!!!!!!

Since many of you may already be neatly tucked away into the “system” created by Nationstar, this recent disclosure should lend credence as to the smokescreen maintained as necessary to not just confuse the homeowners by the babbling of some cubicle employee … if you don’t understand the “new narrative”, then by design, you will lose in foreclosure.

But you keep going on (definition of “insanity” again), thinking you’re going to win, eh? Playing in the “old narrative”?

Now imagine suing all of these entities at once and how much research you’ll have to do to figure out “who’s behind the curtain”. Ha! Ha! Ha! “Pay no attention to that man behind the curtain!” (from The Wizard of Oz) … imagine the service of process, only in multiples. Imagine the length of the pleadings and the responses you’ll get when you file a lawsuit against the entire charade of layering! Overwhelming isn’t it?

That’s the “old narrative” the industry wants to suck you into … one nice big vacuum of fraudulent behavior … but hey … they make it so convenient to get a mortgage loan don’t they … even though they just pulled “money” (1’s and 0’s) out of nowhere!

And the use of “AI” means the “old narrative” has been plugged into the computer system that drives the blockchain of insanity … and you become another statistic by playing into it. AI is based on the “old narrative” being plugged into the mainframe and then extrapolated into the oblivion. You’ll soon regret not signing up for 3.0.

You have until today at 5:00 p.m. (Tuesday) to make that decision.

Foreclosure Wars 3

3.54MB ∙ PDF file

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Hat tip to Paris Dube for bringing this to my attention!

Greenspon V Dbntc Et Al, Sup Ct Hi No Scwc 20 0000590 (feb 12, 2026)

227KB ∙ PDF file

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This homeowner has now been deemed as a “vexatious litigant” and he’ll get nowhere from here on out. Enjoy tent city life my friend.

You cannot act entitled and expect to win in court (Assumption #3), as shown in the above case. Judges have been trained (threatened if they don’t behave) to spot these types and if you remotely fit into this “mold”, you’ll end up in the same boat.

OPTION B: THE NEW NARRATIVE

You have three days (including today) by 5 p.m. to register for this workshop (see below):

Foreclosure Wars 3

3.54MB ∙ PDF file

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I really think that those of you who are willing NOT to end up like the homeowner listed above need to be here. But then again, if you’re fighting alone, you probably lack the funds to participate. For that, I’m truly sorry.

As the famous poet Robert Frost once said, “I shall be telling this with a sigh, somewhere ages and ages hence: Two roads diverged in a wood, and I, I took the one less traveled by, And that has made all the difference.”

Which road will you take?

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It matters not what your assignment says. It matters that the court could care less what your assignment says.

It matters not that your signature made you the creditor. It matters that the banks and their servicers claim you’re the borrower.

It matters not that your original note is indorsed-in-blank. It matters that once it was converted into a security … it was cancelled.

It matters not that the entire mortgage scenario was a sham. It matters that the bank fired the first shot when it claimed you were in default.

It matters not that the REMIC trust has no standing. It matters that the court thinks it does because the servicer’s bar-licensed attorney says it does.

It matters not that the plain and simple language of the contract is undefined. It matters that the court interprets that language the way it wants to.

It matters not that your affirmative defenses may actually hold water. It matters that as in Vegas (the house always wins), the real truth is hidden from the court.

It matters not that judges don’t care about the truth. It matters because they never find out the real truth, backed by any legitimate explanation and proof.

It matters not that homeowners in foreclosure become frustrated, languish in guilt and end up with some form of PTSD. It matters because foreclosure mill attorneys don’t give a shit about homeowners because they’re paid to steal homes and not serve the interests of justice.

It matters not that our system of financial education has failed Americans. It matters because Americans have been led to believe that homeownership is a privilege controlled only by the banks.

It matters not that our banking system is fatally flawed. It matters because Americans do not understand what a “dollar” really represents.

It matters not that attorneys are members of a private club called “the bar”. It matters because they knew the system was rigged the moment you entered into its jurisdiction.

It matters not that you “think” you’re the victim. It matters because you are the victim.

It matters not what the real truth of the matter is. It matters because the old narrative is what the system of things claims is the truth when in fact, it isn’t.

WHY THE OLD NARRATIVE MUST DIE …

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“We live in a fractionalized society controlled by fractionalized banking!” - Dave Krieger, Host of The Krieger Files.

While we weren’t paying attention, the carrot was extended … and unknowingly … millions of Americans fell for the ruse that homeownership was an entitlement, disguised as the “American Dream”.

Thanks Slick Willie! Thanks “bought-and-paid-for” Congress!

The lack of financial education in our public fools was deliberate and by design. You can thank the Rothschilds and the Rockefeller’s for that. Oh wait! They’re Jewish!

We the People (and our successors and assigns) were not educated in legalese (jargon) and thus, did not understand what exactly they were signing at the closing table and the precursors that set the entire scheme into motion, starting with their signatures on their respective loan applications.

We explain this in Foreclosure Wars 3.0 in detail. The problem with our current understanding is that the legal system being implemented against distressed homeowners is also by design … designed to thwart any logical explanation that the “system of things” presented to them at the time they filled out a loan application was at best, distorted and misrepresentative of the way the real “banking system” works these days.

I am convinced that today’s foreclosure court judges are corrupt as sin because they’ve been warned that their futures are in jeopardy if they accept the real truth which Foreclosure Wars 3.0 exposes. Yet, if an option were presented to them, knowing what is really going on in today’s fractionalized banking system, would they accept it?

The “banking system” I speak of was enacted in 1913 and signed into law shortly thereafter by “bought-and-paid-for” President Woodrow Wilson, who went to his death bed admitting he’d “screwed his country”.

And now Americans have been forced to accept a “dollar bill” as its legitimate “currency” (not mentioned in the Constitution) as “legal tender for all debts public and private”. But … Do judges get what “tender” really is when it applies to the Uniform Commercial Code? And what does the U.S. “dollar” really represent in a world of “fractionalism”?

There’s another piece of legislation, adopted into all 50 states and territories, which seeks to regulate more than just negotiable instruments under Article 3. There are two other “UCC Articles” (8 and 9) that come into play in today’s “mortgage debacle”.

Again, if people really understood the system of banking in this country, none would ever dare to take out a mortgage loan again. This idea runs contrary to what the U.S. government would want you to think, as the system makes money off of securitizing paper (into securities) and trading them like “green stamps” on Wall Street.

We have 8% of corporate America controlling the financial behaviors of 92% of Americans. Sadly, we as Americans have the ability to come to our senses and change the way things are by electing those in Congress that are willing to get rid of the Fed and start over with actual Constitutional currency.

Yet people have been told to ignore constitutional currency and with the advent of blockchain and digital currencies, the “convenience” of the already-flawed banking system in America is about to get worse.

The banks and our own government will play off of the “convenience” factor to the point where those who think they’re entitled will accept the “convenience” of a “chip” being placed into their right hand or their forehead in order to survive.

That constitutes a slap in the face of what We the People know as the Constitution of the united States and all that it stands for. There was nothing about “convenience” in the establishment of principles that our Founding Fathers established throughout the early days of American history.

Enter the Wall Street Media, who entices the meagerly-financed to play in a rich man’s game, controlled by the narrative that the almighty “dollar” can build wealth by investing in “paper”, which is only worth what We the People are willing to believe it’s worth. This is soon to be replaced by what China calls its “credit scoring system”, meaning that digital currency (which is already present in the current banking system’s accounting system) will be the only means of exacting any kind of lifestyle in America, based on how much revelry you exact (and as to what nature you exact it) on social media.

Say something the ruling class doesn’t like … no matter your “convenience level” … and you can’t buy gas or groceries for a week! Threaten a politician … and the system shuts off your account completely … and you face starvation or a life of crime trying to exist in a controlled world.

And We the People stupidly let ourselves be convinced by politicians that our banking system here in America was sound, when it’s nearly $39-Trillion in debt, plus interest, which We the People can’t generate enough “paper wealth” to pay the interest, let alone the paper debt!

The dollar bill is a debt contract. It says “FEDERAL RESERVE NOTE” on it, right at the top center of the face of the “bill”. Why do you think it’s called a “bill”? It’s a debt note issued against the person who uses it! My God! Why does the system revolve around this bullshit?

And the mainstream media uses every other excuse in the book to distract We the People from what really matters: The right to life, liberty and property. Nope!

What about the despicable lyrics Bad Bunny sang on stage during the Super Bowl halftime show? Is it okay to practice sodomy like Bad Bunny says it is (in Spanish)?

What happened to Savannah Guthrie’s mom?

What about the Middle East?

Are we going to annihilate Iran in a regime change fostered by the Deep State?

Weapons of mass distraction from the real truth … while our bought-and-paid-for U.S. Congress (who we dutifully elect … forget the stolen election crisis … based on the bullshit party line), who enter the hallowed Halls of Congress to a life of self-serving enrichment and thus forget who they’re there to actually serve.

But yet the ignorant entitled bleat for a solution that supports Marxism.

If you want to see the future of America, just look at what’s happening to New York City and the entire State of California. I use these places as examples of how Marxist governments enrich their ruling power to screw Americans out of their wealth in favor of socialism.

And then the factions that are installed and supported by AIPAC maintain that we shouldn’t speak ill of our Jewish neighbors, lest we be labeled “antiSemitic”. Yet it’s those very factions that control our entire banking system!

And at this point in time, you’re worried about labels? Or the Epstein Files?

We’re in mission critical now folks! A new secretive foreclosure crisis is overtaking America! Despite the fact our President says he doesn’t want to see America turned into a “nation of renters” … Central Bank Digital Currencies being implemented (ah! the irony of it all) and fostered by this same President who’s promoting cryptocurrencies (another form of ethereum) … is going to further screw homeowners out of not just their equity, but their homes as well when the system of social credit scoring is facilitated upon an unsuspecting We the People.

This is one of the main reasons that my main focus is shifting in the near future. Those who play in the “old narrative” the legal system is dishing out are only fooling themselves when the real truth was there all along … but we’ve been distracted away from it by things in the news cycle that really don’t matter. I’ve attempted to help these folks through the “old narrative” to my detriment. I realized early on that I was making the “old narrative players” money in creating bad case law against homeowners.

Which is why 3.0 is my last ditch effort to claw away at the “old narrative” and replace it with the truth. What’s left as to “choice” is up to you. Entitled need not apply.

Then-Senator Jacob Javits Administrative Assistant Harold Rosenthal told Americans of things to come. He was killed for leaking that information to a Christian journalist. Were you paying attention then?

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There is new information to share in this workshop … and it’s all about the new narrative and why relying on the old narrative isn’t working.

DEFINITION OF “INSANITY”

Doing the same thing for the next ten years that you did the last ten years … expecting different results!

If you know that foreclosure mill attorneys lie to the court in both their pleadings and in their courtroom commentary … and you don’t have a way to put an end to it … who do you think the judge is going to believe?

Do you know an attorney who has had a size 9 shoe stuck up their ass by a judge? I do!

The “old narrative” isn’t working anymore, which is why licensed private investigator Bill Paatalo came up with a plan to create a “new narrative” on Day One … and this author is going to expound on the “fallout” from it on Day Two. Bill will discuss the options that were NOT discussed in Foreclosure Wars 2.0 because the means of tender only just NOW came into fruition!

For those of you already enrolled in the Administrative Process, this newly-developed methodology will be mind-blowing as to the focus on how the “new narrative” will play out (and may even pay out)!

We have attorneys attending this workshop!

If you have not yet submitted your Registration Form and paid your fees to attend, this would be a great time to do so, rather than waiting until the last minute when things get more complicated (as I will be on the road traveling interstate prior to the workshop). Download the workshop flyer and Registration Form here (and read it thoroughly and follow the instructions):

Foreclosure Wars 3

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For those that missed the Orlando workshop, you can view it in its entirety at:

FORECLOSUREWARS.US

You still have time to get less expensive airfares if you act now. The host hotel has free shuttle service 24/7 from the airport and if you’re driving and not booking a sleeping room, the on-site parking is $12.00 per day.

Yes, I get that we all feel like dutiful little slaves this time of year, wasting countless hours determining what may be deductible or in the alternative, paying a CPA to figure that out based on the information you spent hours grinding out to turn over to the CPA to make that determination. Either way, the CPA will want to look at all your tax forms.

Then there’s that EIN number. This is where homeowners appear to have been deceived. Then there’s that 3949-A Form (see attached PDF):

Form 3949 A

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If you are facing a third-party, junk debt pool that may not have an EIN to begin with, then who is demanding that your indebtedness to them is actually valid? The servicer?

Who made the mistake of taking out a loan mod with the servicer? Do you regret doing that now? Were there tax consequences incurred when you agreed to a loan mod? Did the servicer actually have the legal authority to engage in a loan mod?

If the note was cancelled at derecognition, then what were you thinking when the servicer claimed it had the authority to do a loan modification?

The servicer apparently lied to you and concealed the fact that your loan wasn’t actually a loan and that you were the “borrower”, when in fact you were the creditor.

But does the average taxpayer actually “get it” when they get hit with a 1099 form from the servicer? Those of you getting these forms need to go to Google and run the EIN number and see whose name pops up! (It’s NOT the lender!)

This is the reason for the “new narrative”. I pointed out to Bill Paatalo, the private investigator that is teaching DAY ONE of Foreclosure Wars 3.0 on February 28th, and suggested looking into an Iowa Supreme Court case In re Lukaszka, U.S. Bkptcy Ct N.D. Iowa No 17-00242 (Aug 14, 2017), wherein the debtors took their 1099-C and paid the taxes on it … and the judge ruled that the debt was cancelled! See the case below:

In Re Lukaszka, U

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The banking industry went haywire over that case, enough to where Lexology wrote a piece on it:

Creditors Beware—complying With Irs Rule May Cancel Underlying Indebtedness Lexology

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Realize that all of the foregoing operates off of the “old narrative” … and contradicts the posturing involved in the “new narrative”.

Again, after this workshop, the Clouded Titles website is going away. The foreclosure defense campaigns are going to shift to a more “public” objective, within a different consumer access (TBA) structure under the auspices of a real community radio station.

Thus, when dealing with these issues as they relate to foreclosure and the “new narrative” … be mindful of the fact that attempting to blend the “old narrative” in with the “new narrative” will only confuse the issue with the court and give the servicer (the real party with an EIN number that will likely “launder” the proceeds of a tender payout) an “out” to escape the real “justice” by the court.

THE AVAILABLE STEPS

1. A syllabus will be provided to those who have registered and paid for the workshop;

2. I will not discuss what is to be presented at the workshop in any detail in any email or phone call, nor will I discuss the nature of any presentation as to any

   finite detail that will “tip our collective hand” on the Administrative Process;

3. It is imperative that you attend if you want the solution to the real issues that have been messing with your head due to the “old narrative”;

4. The new narrative has a “kill switch”. I have seen Bill’s presentation. It is not hype. It is based on solid fact and the latest research that delves into areas not presented in Foreclosure Wars 2.0. In other words, just because you went to the 2.0 workshop, don’t think that you have all the answers, because the entire “legal attack resulting through the actions taken in the administrative process” is presented in the 3.0 update;

5. And yes … at some point … you will be presenting information to the IRS.

6. You will NOT be present in court after your portion of the “legal process” is completed, so there’s no “screwing up” in being attacked by the judge (who prosecutes from the bench) or the bank's servicer’s attorney with questions you can’t or shouldn’t be answering;

7. You will get a complete understanding at the workshop as to the constructive nature of the legal process past your administrative process participation;

8. If you are currently in foreclosure and attempting to defend your case using the “old narrative”, your chances of winning your case and defeating the servicer and its attorneys is estimated at 1 in 250,000. That’s pretty shitty odds in Las Vegas;

9. We have learned that if you give the judge “options” (a way out to where the judge actually survives the case and doesn’t get ‘whacked’ officially or physically) the Court will respect the “legal attack”; and

10. If you don’t have to go to court but you have the ability to tender created by the administrative process and the subsequent legal attack … then the fear of being in court goes away and the timetable for the entire legal process is shortened (instead of you having to fight years and years and uncertain of the outcome).

Foreclosure Wars 3

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So … for those attending this workshop … tax time may produce a whole different ending. Those attending the class will get the entire compendium of my work on their new flash drive!

We are entering a new era … where the “old narrative” is defeated!

Ask any of the attorneys that I’ve been associated with and they’ll tell you the same story they told me (that I hear in the comments):

1. “I don’t have the money to tender. Do you?”

2. “I’m about to go on Section 8 housing and can’t find a place to rent.”

3. “The cost of airfare and hotel on top of the class fees are out of my price range.”

4. “Can my attorney come to this class and take it instead as I don’t have time.”

5. “I have an event planned for that weekend and will be out of town.”

6. “I paid my attorney to fight this foreclosure and now I’m completely broke.”

… and finally:

7. “Do you have a website where we can go to watch previous classes?”

The answer to that question is “YES!”

ForeclosureWars.us

It’s official and it’s affordable. You can watch the videos, take notes and read all the research you want to read for a nominal monthly fee. My film editor developed the website based on the information shared at Foreclosure Wars 2.0. That is the information you will be able to access. Pay for 1 month. Watch as much as you can absorb … and then don’t spend another nickel (unless you want to).

Everything is available in read-only / watch-only format. But it doesn't yet contain all of the necessary new developments that will be shared in Foreclosure Wars 3.0.

The website will also allow you to connect with my team to discuss your issues.

We encourage you to watch the 2.0 workshop FIRST before reaching out, because you need to soak up the new narrative and understand that as this Administrative Process unfolds, you will find yourself NOT HAVING TO GO TO COURT and be forced to say or admit to things you have no earthly idea how to respond to (because it’s a trap)!

I’m not hard-pressed to do any more live workshops as I’m changing direction in my life. As of March 1, 2026, the Clouded Titles website will become non-existent. Anything we update will be done via the website shown above. I have too much on my plate running my new business to galavant all over the U.S. doing these classes anymore and if it absolutely becomes mission critical that I’m forced to ever do this again, it will be within an hour of where my new business venture is headquartered.

I too realize that there are homeowners that can’t be helped. I also realize there are homeowners that are going to continue to vacate their homes and not even ask for help, even though the new narrative may result in them staying in their homes and never having to make a mortgage payment again!

The legal system is not only too complex … it’s also become corrupt! You know it and I know it. But that’s no excuse to give up your equity and live in poverty.

I’ve also accepted the fact that foreclosure defense attorneys do not deserve one f**king dime of your money unless they understand and are willing to practice the new narrative, which really isn’t new … it’s just that they’re too scared and afraid their bar card will be taken away if they bring the new narrative up in court. So they ply on every homeowner’s “victimhood” and soak them for whatever is left in their bank accounts and then say, “Well … you knew you were going to lose you house eventually, right?” Yeah. I know. It’s bullshit and attorneys are going to hate me for saying it, even though they know the truth.

And that’s what this class is all about. The real truth.

If you’ve given up … I will pray that somehow God will give you wisdom and that you will recover from this dilemma and bounce back with a more positive future.

In His Service, I remain.

Foreclosure Wars 3

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