Saturday, March 21, 2015

CFPB adopts plan to publicly disclose consumer complaint narratives

The CFPB needs to make it easy for consumers to complain about what the lender or servicer did, such as by providing a stock set of complaints with check boxes beside them, and allow consumers to fill in any additional details.

Boxes for each of these (for example)
  • Servicer Force-Placed hazard insurance on my property
    • I already had insurance that had not expired and complied with requirements
    • Force-placed insurance company charged more than my previous policy, so obviously the servicer did not submit it for competitive bidding:
      • 1.5x or less
      • between 1.5x and 2x
      • between 2x and 3x
      • between 3x and 4x
      • between 4x and 5x
      • 5x or more
    • Servicer did not alert me of the expiration of the hazard insurance policy or the need to renew it.
  • Servicer lied about terms of loan mod
    • Servicer told me I'd have to miss payments in order to qualify for loan mod
    • Servicer strung me along for months without making a determination of whether or not to provide a loan mod.
    • Servicer claimed to lose paperwork I submitted
      • 1 time
      • 2 times
      • 3 times
      • 4 or more times
  • Servicer failed to provide me with notice of acceleration or intent to foreclose

etc.  These should come from typical complaints people file.  YOU could help by providing a comprehensive list of items you know about.

People get an extra benefit of such a table of complaints and exacerbations lies.  It alerts them to issues that could arise, and it helps them to think back to whether it happened or not, so they can include EVERY worthy THING in the complaint.



CFPB Monitor - CFPB adopts plan to publicly disclose consumer complaint narratives



Posted: 20 Mar 2015 07:22 AM PDT
The CFPB has adopted its controversial proposal to publicly disclose consumer complaint narratives in its Consumer Complaint Database.  Its plans for disclosing the narratives are set forth in a final policy statement.   According to the Federal Register document announcing the policy statement, the CFPB will not disclose any narratives for at least 90 days after the statement's publication in the Federal Register.  In the notice's supplementary information, the CFPB states further that it will not disclose narratives "until sufficient time has elapsed to allow the Bureau to adequately complete and assess" various actions needed to implement the policy statement, such as modifying its website, online complaint intake form and company web portal.
Consistent with its proposal, the CFPB will not publish a complaint narrative unless the consumer has given consent by checking an opt-in form that the CFPB plans to include in the submission phase of the complaint process.  A consumer can withdraw his or her consent at any time by informing the CFPB and the narrative will be removed from the database.  (In response to a commenter's concern that companies might require non-disclosure agreements from consumers creating an account, the CFPB states that it "would likely look disfavorably upon agreements that require a consumer to withdraw his or her consent to have a narrative published as a condition of settlement.")
The policy statement indicates that the CFPB "intends to apply to all publicly-disclosed narratives a robust personal information scrubbing standard and methodology" to address the risk of re-identification, which is modeled after the Health Insurance Portability and Accountability Act Safe Harbor Method.  The CFPB does plan to disclose 5-digit zip codes next to narratives, except were the population in the zip code contains fewer than 20,000 people.  (In such cases, the CFPB plans to disclose the 3-digit zip code unless the 3-digit zip code population is less than 20,000.)
The CFPB's proposal would have allowed companies to submit an unstructured narrative response to appear next to the consumer's narrative.  In response to industry comments that legal, business and reputational concerns would limit a company's ability to provide meaningful public-facing unstructured responses, the CFPB will provide companies within the company web portal a "set list of structured company response options" and a company will have the opportunity to recommend which option, if any, it would like included as a public-facing response.  The list is intended to relieve companies from having to assess "what level of detail will address a complaint while protecting confidential information."  A company will not be required to provide a public-facing response, and while the CFPB states that it generally plans to adopt a company's recommended response, it reserves discretion "to assess whether there are good-faith bases for the recommendations."
With regard to the timing of posting a consumer narrative and a company response, the CFPB plans to disclose the narrative when the company provides its public-facing response, but not later than 60 days after the complaint is routed to the company.  (The CFPB's complaint system gives companies 15 days to provide an initial response to a complaint and 60 days to provide a final response.)  This timing is intended to guarantee that a public-facing response, if provided within the 60 day period, will be disclosed contemporaneously with the consumer narrative.
We share industry's disappointment with the CFPB's action.  From the time the CFPB first announced its plan to publicly disclose complaint data, we have had concerns about disclosing unverified date.  The CFPB's decision to disclose consumer narratives only exacerbates those concerns.
We take little solace in the CFPB's comment in the policy statement's supplementary information that this concern is sufficiently addressed by its disclaimer on the complaint database that "we don't verify all the facts alleged in these complaints but we take steps to confirm a commercial relationship between the consumer and company."  We doubt many consumers, even if they read the disclaimer, will appreciate what that means for a complaint's validity and will continue to assume that a complaint is true because it is being published on a government website.  In other words, complaints will take on an unwarranted level of credibility by virtue of them appearing on the CFPB's website.
The CFPB prides itself on being a data-driven agency.  Its disclosure of consumer narratives is the antithesis of being data-driven.  Instead, the CFPB will be publishing anecdotes much in the same way as an Internet gripe site.
To address industry comments that the complaint database should include positive feedback in conjunction with complaint narratives, the CFPB also issued a notice and request for information about "the potential sharing of consumer compliments about providers of consumer  financial products and services and more information about a company's complaint handling."  Comments on the RFI are due on or before 60 days after its publication in the Federal Register.  In the RFI, the CFPB describes two potential avenues for sharing positive feedback: by providing more information about a company's complaint handling and by collecting and providing consumer compliments independent of the complaint process.
With regard to complaint handling, the CFPB is seeking information on potential ways it could "record, calculate, standardize, short, share, and visualize the data" associated with complaints "in ways that reveal positive company behavior."  Among the potential metrics suggested by the CFPB are total number of complaints by product and issue and timeliness and speed of responses.  The CFPB also seeks comment on adding a consumer feedback process to its complaint system that would allow a consumer to rate a company's handling of his or her complaint.
With regard to soliciting, collecting and sharing compliments, the CFPB asks for comment on expanding its "Tell Your Story" feature on its website to share compliments and establishing a new database to take and publish compliments.
 
 
 
 


Thursday, March 19, 2015

TILA Rescission in the wake of Jesinoski



Truth In Lending Act (TILA)

See the full law here:
https://www.law.cornell.edu/uscode/text/15/1635
See the regulation Z here:
https://www.law.cornell.edu/cfr/text/12/226.23


Congress intended the right of rescission to protect the consumer from putting the family home at risk by using the home or the equity in it to secure a loan. It doesn't apply in mortgage loans for the purpose of PURCHASING the house.  The TILA right of rescission doesn't protect the home purchaser; it protects the borrower who has the home or equity in it.

When looking at laws, read the whole area of a topic to find the definitions and rules of construction, like this one:


15 U.S. Code § 1602 - Definitions and rules of construction 


(x) The term "residential mortgage transaction" means a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained against the consumer's dwelling to finance the acquisition or initial construction of such dwelling.

The SCOTUS recently affirmed the simplicity of rescission in Jesinoski v Countrywide Home Loans.

Read a discussion of the opinion here:

http://www.scotusblog.com/2015/01/opinion-analysis-shortest-opinion-of-the-year-explains-tila-rescission-right/

The lender, upon receiving a rescission notice may either accept the rescission or dispute it.  If accepted the lender must return all payments and terminate its security interest. The borrower then must tender the loan proceeds to the lender. Should the lender wish to contest the rescission notice, it should send a letter so stating to the borrower. Then either the lender or the borrower may file a declaratory judgment action to determine whether the notice was valid. Warning, if the borrower files a lawsuit, there is a filing fee and there is an obligation by the borrower to certify that they are making a pleading in good faith and upon a reasonable investigation. That should weed out a lot of truly frivolous claims. Without that mechanism in place, anyone can send a letter and assert a rescission demand, but if they do, they will be sanctioned. 

In the case of the borrower defaulting, the lender might file a foreclosure action or initiate nonjudicial foreclosure proceedings as appropriate. The borrower would then assert rescission as an affirmative defense to foreclosure or in a declaratory judgment action to halt a nonjudicial sale. 
  
Remember, courts have the discretion to not only determine whether there is a proper basis for a rescission notice but also to reorder the creditor's and debtor's obligations in the event rescission was proper. Even if the rescission notice is well founded, a court can still require the borrower to show an ability to tender before forcing the lender to return funds and void a security interest.


Charlatans and Bozos in the foreclosure pretense defense industry have made grand pronouncements about how many lawsuits borrowers will file for rescission or injury resulting from having a rescission effort denied.  Frankly, I have no idea how many borrowers gave the lender a TIMELY TILA rescission notice.  But it makes no sense for the majority of borrowers over the past 7 or 8 years because many bought at the peak of the market, and 3 years later they had underwater loans because of the collapse of house values generally.  How could they pay that back?  Well, the arithmetic would allow subtraction Borrower Repayment minus Lender Repayment.  That might yield a sufficiently low amount for the borrower to sell the house in order to raise the money for repaying the lender.   But, in many cases, borrowers would still fall short, and they could not repay the lender, so the court would not order a rescission.

Yes, a few rescission lawsuits will come up, but not that many.  The Foreclosure pretender defenders will gladly take those borrower's money for filing the action.




Bob Hurt            Blog 1 2   f  t  
2460 Persian Drive #70
Clearwater, FL 33763
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Wednesday, March 18, 2015

Are Attorneys Smart Enough to Pay Finder Fees?

Are Attorneys Smart Enough to Pay Finder Fees?

Apparently not.  It seems to me that attorneys should have the intelligence, acumen, etc, to figure out how to pay for a marketing service (ultimately, sharing fees) without suffering torture by the bar as a consequence.  After all, they can hire paralegals to do attorney tasks, and they pay those paralegals, either as contractors or as employees, ultimately sharing fees with them.  But Florida attorney S. Tracy Long didn't get away with it.


What do I care?  Well, I DON'T care about Long because he's just another foreclosure pretender defender who led many clients to loss of their houses  while taking monthly payments from them for the "privilege."  However, if I knew of a worthy, reliable attorney who would actually purchase or do a comprehensive examination of the mortgage transaction (see http://mortgageattack.com) and then aggressively fight for a settlement or damages for the damaged mortgagor, I'd spread his fame far and wide.  I wouldn't mind at all if he paid me for that service, either as a percentage of his fees, or as a per-paying-client honorarium.  Cheated borrowers across America feel desperate to find just one honest attorney who will help them beat up the lender and others who injured them at the inception of the loan.

HONEST, COMPETENT ATTORNEYS:  PLEASE STAND UP and get counted!  AMERICA NEEDS YOU!



http://realtime.blog.palmbeachpost.com/2015/02/02/delray-beach-attorney-suspended-for-multiple-foreclosure-related-offenses/

Delray Beach attorney suspended for multiple foreclosure-related offenses


Delray Beach attorney S. Tracy Long was suspended for one year and must pay $11,500 in restitution following charges of sharing fees with a non-lawyer and foreclosure-related offenses.
The Florida Supreme Court approved the suspension in late November. It was announced Friday by the Florida Bar.
According to a conditional guilty plea signed by Long, in 2011 he used two companies to market foreclosure defense and loan modification work to be done by his law office. One of the firms hired a non-attorney, who obtained 31 clients for Long. The non-attorney had a contract with the firm that hired him to get 12 percent of the legal fee _ a violation of the Florida Bar's rules of professional conduct.
Four other Florida Bar cases against Long charge:
  • He failed to pay a mediator $875 after he said he was dissatisfied with the mediator's service.
  • He failed to adequately communicate the chance of success to clients in a foreclosure case he accepted to defend in 2011 for $2,500. The case had been adjudicated in 2008 and the Bar says there was a statute of limitations that prevented Long from addressing the foreclosure case. Long's clients were forced to vacate their home in October 2011.
  • He failed to properly represent a church in a case against the City of Sunrise in which he accepted $2,500. The lawsuit was filed in federal court, where Long was no longer licensed.
  • He was hired in August 2012 to defend a foreclosure in New Jersey, where he is not licensed to practice law. Long hired a New Jersey attorney to handle the case but the attorney did no work on the file. The homeowners paid $6,500 but a default judgment was entered against them in April 2013.

Learn how to solve a mortgage problem.  Visit and study http://MortgageAttack.com now!


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Bob Hurt            Blog 1 2   f  t 
2460 Persian Drive #70
Clearwater, FL 33763
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Thursday, March 05, 2015

Keep and Bear Arms and accessories in Missouri

Francis Slay and Sam Dotson are KOOL-AID DRINKERS.  These fools obviously don't understand the Second Amendment or the brilliant changes to the Missouri Constitution wrought by the voters.  See the changes below.  Slay and Dotson stupidly whine that people should have to report guns stolen from them.  These men refuse to admit that people WOULD report the theft IF the cops would find and return them without repercussion.  But gun owners know the cops will come looking for them if someone else uses a stolen unregistered gun to commit a crime.  And once the cops know a person had a gun, they know he probably has more, and that "heads-up" will make them dangerous to the gun owner in any of a variety of ways.

Slay and Dotson whine that felons can possess firearms under the amended text. How Stupid!  Of COURSE they can, but they, being felons, probably flout the law anyway, and will get firearms anyway if they please.  Even so, felons have paid their debt to society.  And while society might not trust them (because most become repeat offenders), felons have a right to self defense just like anyone else does.  Felons should have the right to own and possess firearms.

Furthermore, the amendment wisely removes the proscription against concealed weapons.  Most people feel nervous seeing others walk around with a pistol strapped on.  Most would prefer not seeing it, and concealment is a good idea for many reasons.  But if EVERYONE knew people might be armed, concealed or not, then EVERYONE would treat others with more respect.  Thugs would become very careful about holding others up, mugging, carjacking, becoming violent and disrespectful, etc.

Bottom line, unrestricted right to own and possess and bear weapons should remain intact until our society begins to impose laws controlling procreation of and by the stupid and mentally defective, and controlling procreation by parents who cannot support their brood without public assistance or private charity, controlling procreation by parents ignorant of the principles of family maintenance and child-rearing, and controlling the hiring and training of police so as to guarantee that they know and respect constitutional rights.

Of course, that might not happen for the next few thousand years.  Therefore the right to keep and bear arms and normal accessories (including silencers, huge magazines, automatic rifles and shotguns and pistols, lasers, tasers, and protective gear) should mean exactly that.





Missouri Constitution Article I
Section 23. Right to keep and bear arms—exception.—That the right of every
citizen to keep and bear arms in defense of his home, person and property, or when
lawfully summoned in aid of the civil power, shall not be questioned; but this shall not
justify the wearing of concealed weapons.

The Right to keep and bear arms changed recently...
http://ballotpedia.org/Missouri_Right_to_Bear_Arms,_Amendment_5_(August_2014)

Section 23. That the right of every citizen to keep and bear arms, ammunition, and accessories typical to the normal function of such arms, in defense of his home, person, family and property, or when lawfully summoned in aid of the civil power, shall not be questioned; but this shall not justify the wearing of concealed weapons. The rights guaranteed by this section shall be unalienable. Any restriction on these rights shall be subject to strict scrutiny and the state of Missouri shall be obligated to uphold these rights and shall under no circumstances decline to protect against their infringement. Nothing in this section shall be construed to prevent the general assembly from enacting general laws which limit the rights of convicted violent felons or those duly adjudged mentally infirm by a court of competent jurisdiction.[6]


March 02, 2015 5:15 pm  •  

The Second Amendment to the U.S. Constitution declares that "A well regulated militia, being necessary to the security of a free state, the right of the people to keep and bear arms, shall not be infringed." Since its adoption, scholars and lawyers have debated what the Second Amendment means, and how it applies. Until recently, there seemed to be a consensus that reasonable regulations on guns, the purchase of guns, and the use of guns were both constitutional and wise policy.

That consensus no longer exists in our state.

Last year, we argued against a proposed constitutional amendment that made Missouri law far more protective of guns than the federal Second Amendment requires. We spoke out against the new state amendment because there are too many guns on the streets. Guns are too easy to get, and the plentiful supply of legal guns means they are readily available to criminals. Hundreds of guns are stolen from law-abiding citizens each year: In 2014 alone, more than 470 guns were reported to the St. Louis Metropolitan Police Department as stolen. The number of unreported stolen guns in Missouri is not known, because even the simple requirement that legal owners report stolen guns to local police departments is apparently too controversial to be a law.

We also argued that the proposed state constitutional amendment was ambiguous. We warned, loudly and in many venues, including the courts, that it could lead to unforeseen results, results that could endanger our city.

But despite the warning and even though the language was ambiguous, sponsors of the proposed amendment were not dissuaded. They asserted that the amendment could not be used to protect the "right" of a convicted criminal to carry a gun anywhere he pleased. One of the amendment's proponents, a state senator, even said explicitly that the intent of the amendment was to leave in place the laws prohibiting convicted criminals from carrying guns.

Reassured by this, voters of Missouri adopted the new amendment. Now, we are starting to see the troubling results of that decision.

Last week, a state judge in St. Louis declared that the law banning criminals from carrying guns was unconstitutional, based on the amendment. He ruled that a convicted felon in undisputed possession of a firearm cannot be charged.

The judge's decision will be appealed, though the law will still be enforced, and the city will follow the case closely through the court system. Also pending in the Missouri Supreme Court is a challenge brought by law enforcement officials and an advocacy group of parents to declare the amendment itself invalid. The outcome of neither case is certain.

The Missouri Legislature, therefore, should not wait.

Many voters took legislators at their word that Amendment 5 would not make it more dangerous for police officers and more difficult for prosecutors to their jobs. It has. Legislators should act immediately to restate the law barring felons from possessing firearms.

In the meantime, we should be resolved as a region to take a hard look ourselves at gun laws. We cannot stand by and allow careless state policy to trump reasonable regulations aimed at keeping our families safe. We must begin to push the limits at the local level, looking at all of our legal options, whether that is a new ordinance, new policing strategies, or a new gun docket in the court system to track those gun criminals that are prosecuted. And we must press our legislative delegation to either fix the law, or to revisit the constitutional amendment in 2016, and let the voters decide whether they want to keep this amendment on the books now that we know how bad its results are.

Francis Slay is mayor of St. Louis. Sam Dotson is the city's police chief.


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Bob Hurt            Blog 1 2   f  t  
2460 Persian Drive #70
Clearwater, FL 33763
Email Call: (727) 669-5511
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Friday, February 06, 2015

Pinings at the Mount


by Bob Hurt, 15 September 1981

There lives a lass I dearly love.
She near the mountain dwells;
Spirit-bright, she smiles a lot
And seldom ever tells
Of how she yearns and longs inside
For him upon a steed,
Her Knight in shining armor, yea,
The Captain of her need.
Some say she'll pine her life away,
Awaiting years gone by
For one who's just a misty dream,
Clouding up her sky.
But patiently she waits him out,
The fire within her glows:
The mountain soon will send him forth,
She consumately knows.
Now if only I could be the one,
And upon a stallion ride,
I'd swoop right down upon her
And pull her to my side.
I'd comfort, love, and cherish her,
Put waiting to an end;
I'd be the pride and envy of
Ten thousand thousand men.
But I know naught of knights and such,
Nor mountain mystery.
I'm just a poor and simple man -
She'd never go for me.
Each night I sigh myself to sleep
And dream how history tells
About the lass I dearly love
Who near the mountain dwells.
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Bob Hurt            Blog 1 2   f  t
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Monday, February 02, 2015

Article: When and why you should raise your price

I have a theory about providing services and charging fees.  As you become a better master of your domain, you must charge more because you have become worth more.  Clients don't realize that you have become much better at your work, that you make less errors, that you get more done in less time, and that THEY benefit immensely from that.  That means they typically do not know that you gave them a service worth what they paid, and now your service has become worth more than they paid.  Typically, because you do better work in less time, clients will spread your fame and more clients will come to you for help.  Then you will become overwhelmed, overworked, and your quality and relationships at home will suffer as you head toward burnout.

It should go without my saying, but I'll say it anyway, that the work you do today must provide you with an income close to double what you need to live on.  Ideally, you will work until you have accumulated sufficient savings from your earnings to live independently, without working for a living, for the rest of your life.  Your work will become a labor of love because you will have the ability to work at anything you please, for money or for free.   I estimate that in order to accomplish this, a teenager should put 20% of all earnings, off the top, into cash reserves, and live off the rest.  Cash reserves should go into very secure investments that earn dividends, interest, and grow in value.  You should never, ever, NEVER spend your cash reserves.  And you should never, ever NEVER borrow money for something that won't earn you more money by improving your ability to deliver high-quality, high-value services.

When working as an independent contractor running a business, the worker should go through this sequence:

  1. Set your fees to match your quality and quantity of results
  2. Deliver your service to paying clients and collect the money
  3. Economize, pay all bills, and invest sparingly in whatever improves the ability to deliver better service
  4. Master the job and refine the mastery
  5. Update your advertising to reflect your improvements  - this will bring you more customers
  6. Raise your prices - you will lose those customers who won't pay, but you'll keep the others
  7. Improve your services by enhancing and adding
  8. As you get both, cycle back to #1
  9. Otherwise, migrate to a new business

When working for a company as an employee, that means the worker should go through this sequence:

  1. Master the job
  2. Economize and spend time and other resources wisely
  3. Update your resume and send it around to new prospective employees
  4. Demand more money
  5. Demand more responsibility
  6. When you get both, cycle back to #1
  7. Quit and take the new job.

The biggest raises I ever EARNED came when I changed jobs, even after getting fired 4 times.  At my last firing I started my own corporation and made WAY more money than I ever had before.

As your skill improves, raise your fees and promote aggressively to cash-rich prospects.  After all, we are not Communists.  You will always lose clients who wish you were a Communist who understood "middle class economics."   But the ones you keep will pay more to make up for the loss, and eventually you will make enough to go on month-long voyages to Shangri-La, etc., with your lover, stopping off in Tahiti to polish up your French.

And in time you will die happy and prosperous like a good Capitalist should, you will go to Heaven, and you will hear God say, in her own soothing voice, "My Child, you have done really well down there.  Now look what we have in store for you."

You see, it's all about "good stewardship."  All of us get 24 hours a day for as many days as we can live.  If we use them wisely, we'll flourish and prosper.

My wife did housekeeping when I married her.  She charged her clients $10 per hour. She followed my formula above. When she retired a few years later, her rates had grown to  $30 to $40 per hour.  She cleans house impeccably about twice as fast as anyone else, so the client received full value for the money.  At first she felt so horrible, like a greedy cheat, when I first encouraged her to raise prices in order to cull out the Communists from her customer list. Later, she felt just fine, and she had more money for life's necessities.

Here's a bonus truth - many people love paying a lot for their service, especially when they have the BEST service provider and others have to stand in line and pine for that service.  That needs to become part of your promotional information.  Imagine yourself standing confident and professional while hungry prospect hands reach up, yearning to touch you and receive your attention and your service. What a picture!


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Bob Hurt            Blog 1 2   f  t  
2460 Persian Drive #70
Clearwater, FL 33763
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Saturday, January 10, 2015

A Replacement for that Abhorrent Term "Nigger"

This news item video refers to a Caucasian substitute teacher who referred to two Negro school girls as Niggers, and the big stir it caused:

https://www.youtube.com/watch?v=pOsn6WAAh9E

I write in response.

Negroes should not call one another "Nigger" and then condemn Caucasians, Orientals, or non-Caucasian Hispanics for referring to them as Nigger. Nor should Negroes refer to Nigger as the "N-word" as though it is unspeakable in polite society.  It is what it is. Nor should Negroes refer to people of Mexican or Puerto Rican descent as 'Spics, Greasers, and Wetbacks.  Nor should Negroes refer to Caucasians as Honky, Cracker, or Conky.  Nor should Negroes refer to non-Negroes as Nigger.  In fact, Negroes should not use the word Nigger at all, ever, in any but a historical respect.

Not long ago I heard a Negro middle schooler  say something like "Ain't Mao the Nigger whut used to run China?"  I'd give him a nod for knowing a little history, but I'd gig his language skills.

It's time to stop the Negro hypocrisy over use of the word Nigger.  And that has to start at HOME.  Everyone should remember how Negro sterotypes become reality, and behave with grace and dignity, and develop classy language skills in an effort to eliminate that stereotype.  

As to the school teacher's faux pas, the students should have learned the grace at home not to act offended at use of the word Nigger in reference to them. Given the only facts that came from this report, I believe the school girls blatantly disrespected the teacher and the principle should have given them detention for it.

You see, from the report we don't know what the students said or did to provoke the substitute teacher to call them Niggers.  And until we know that, we shouldn't rush to judge the teacher as wrong.  Negro students often and widely behave with profound disrespect to their Caucasian teachers, sometimes cursing them, calling them names, and beating them. 

Pundits and leaders need to give their first concern to the disrespect people of their racial or cultural group show toward all other people.  That will go a long way toward curing the disrespectful terminology others use in reference to members of their own group.   Just imagine the conflicts that would arise if Caucasians acted up every time a Negro referred to them as Cracker, Honky, or Nigger. That might start a lot of unnecessary violence in the land.   

Regardless of the names people use in reference to us, we cannot change our race, origin, or present life condition, so the names should not offend us. People often use disrespectful terminology to others not in their "group," whether in sports, languages, states/cities/countries of origin, employment type, academic status.  That's typical of competition everywhere.  And competition is socially healthy. I believe most people only resent such terminology words because of the possibility the impolite words might have underlying truth.

Throughout my lifetime, I have noticed an incessant evolution of the terminology meaning Negro that Negro pundits and opinion leaders seem to find acceptable.  As a child I noticed that most Caucasians referred to Negroes as Niggers, if they referred to them at all, and neither seemed to think anything of it. But formally, Caucasians and Negroes alike referred to Negroes as Colored.  Drinking fountains and public toilets were marked White and Colored.  Colored sat in the back of the bus and didn't eat in Whites-only restaurants or attend Whites-only schools.  At 15 I heard a teacher admonish a student to stop using the impolite term Nigger, and I thought the teacher was crazy.  But, according to her, "Colored" was just fine and Negro was even better. 

Colored went out of fashion several years later.  Pundits replaced it with the very polite term Negro.  Dr. MLKJr referred to himself as Negro in his I Have A Dream speech. I have used that term formally ever since, and I see no point changing.  

But new Negro pundits disagreed.  After the rise of black power, the panthers, Malcolm X, etc, the term Black seemed to become popular.  Now many Negroes seem to resent the perfectly fine dictionary term NEGRO, and even Black has become unfashionable.  Now Negroes seem to want others to refer to them by the technically inaccurate oxymoron "African American".  I guess the Negroes who invented that term forgot that a substantial percentage of the population of Africa is not Negroid, and those non-Negro Africans who live in the USA might resent application to them of a term meaning Negro.

I think this pestilent Negro effort to find a term that means Negro or its predecessor, Nigger, boils down to an effort to embarrass Caucasians into eventually substituting the pronoun "they" or "them" for Negro or Nigger so as to make it impossible linguistically and politely to refer to Negroes by any term that identifies them as having Negroid characteristics.  Negroes cannot change their racial characteristics except by either acting like members of another race or through miscegenation with other races... in other words, becoming non-Negroes.  And since most Negroes reject both options, insisting that "Black is Beautiful," etc., I suppose their academicians and pundits prefer to embarrass Caucasians about their use of terms meaning Negro, and concoct ever-more-ridiculous terminology to embarrass Caucasians ever more, until the end of time.  They seem to resent the fact that Black IS beautiful to Negroes, but generally not to Caucasians.  And no amount of embarrassment or knockout games or riots in the street or marches on Selma will change that.

I'd also like to express umbrage at the fact that Negro pundits never invent corresponding new polite terminology for Caucasians.  They have pretty much worn out the term "White."  What's wrong with "European American" or "Blue People?"

Maybe I shouldn't mention it, but US Negroes have become upwards of 18% Caucasian, a feat African Negroes might never accomplish, through miscegenation.  Did you know that at least 6% of Negro men choose non-Negro mates? If you think Black is beautiful, take a look at the beautiful progeny of Negro and Caucasian or Negro and Oriental parents.  Now THAT result often has striking beauty.  Don't feel surprised if a new Mulatto racial group begins to exert prominence, owing to that gorgeous skin color and higher average intelligence, over the blacker Negroes of America.  Now genuine Negroes will have two racial groups to hate - Caucasians and Mulattoes.  Don't slap your forehead in anger.  Exactly that happened in Haiti.  The lighter skin Negroes, the Mulattoes, began to take over middle management in industry and government, and that caused quite a ruckus among the darker skin Negroes on plantations.  Could it happen here?  Why not?

I mean to point out that I feel really tired of witnessing the seething hatred of Negroes who resent the names used in reference to them around the country when the real importance lies in the REASON such names ultimately become pejorative.  As I see it, the reason has to do with stereotypical Negro behavior.  Gene pool improvement (selective mating among the smarter Negroes, and sterilization of welfare recipients) plus better educations and a commitment in  Negro communities to having a married mother and father throughout the childhood of offspring (building strong families) can cure that problem.  But hating pejorative terms and insisting on new terms will not.

Right now African American has become the term du jour meaning Negro, or, honestly, Nigger, but in time, it too will become besmirched by traditional, stereotypical behavior that so many Negroes exhibit, unless those changes happen which I suggested above.  Negro pundits will then seek out another droll term meaning Negro and insist that polite society abandon African American and start using the new term. 

Perhaps they will suggest a term like "Indigo."   The term Indigo seems quite elegant to me.  It probably more accurately describes the original skin color of the most historically remote Negroes who ever existed.

Would you like to join me in saving the pundits the trouble of inventing a new, absurd term meaning Negro?  We can institute use of the term "Indigo" right now, in reference to Negroes.  Who knows?  It might outlast all the rest.  If we succeed, we might become the first NEW Indigo pundits.  We ARE Indigo, aren't we?

Bob Hurt

Monday, January 05, 2015

Citizen's Guide


On 2015-01-05 11:02, alec wrote:
Greetings Bob,   ALEC (persona ficta) here. How are you doing? I am  fairly new to the entrance of my true freedom. Now I have heard  things and can clearly see Individual Sovereignty has been so much  propagated and manipulated it sickens me.Now I am 23 years old and  my generation at least in my area of FL is ridiculed by homeless  alcoholics and drug dependant junkies. All due to greed, wealth  segregation & enslavement. I do not judge by any means and feel I  need to take a stand not only for myself, but for not only mine,  but future generations. It is clear the dark side has an agenda  that thru justice shall not prevail. My goal which is only to help  others know the truth and live free as intended, not to be used as  cattle or a source of revenue. I will be upfront Bob I need  guidence. Where do I begin as far as specific forms in order (if  possible). I actually work [near] the Perkins you had a  seminar at in 2012 which almost made me feel led to ask for your  help. Thank You. Look Foward to speaking further.  
-ALEC-  



Alec (and other readers):

We become sovereign citizens by exercising the sovereignty remaining after delegating other sovereignty to government.  We delegate it simply by living in the USA and not rebelling against government.  We have lots of sovereignty remaining. We exercise that by learning the law, becoming disposed to using it, by coordinating politically with our fellow citizens, and by doing our best to become educated, marry the perfect spouse, and rear a passel of kids, teaching them the principles of integrity, good family and community relations, responsibility, and reasonable self-sufficiency.
You can subscribe to my e-letter (Lawmen) and browse the archives if you want to see other things I have written.

I encourage you to stay away from patriot myth mongers who want to sell you books and videos and forms on all the stuff you can do to get out of the system or express your sovereignty through violence or disobedience to constitutional laws.  


Focus on these well-established means of exercising citizenship, and encourage others to do the same:

  1. Do your best to memorize the US Constitution and Florida Constitution
  2. Study the Annotated US Constitution so you will know how the US Supreme Court views the meaning of its provisions.
  3. Learn how to look up state and federal laws/statutes, and refer to them when you want to know the law.
    1. Florida Laws enacted by legislature
    2. Florida Statutes - codified laws
    3. Florida Administrative Code
    4. US Statutes at Large, searchable
      1. 1951 to present, by Congress
      2. From the beginning - privately scanned and OCRed
    5. US Code
    6. Code of Federal Regulations
  4. Realize that the law means what the highest court of jurisdiction says it means.  Read appellate decisions in order to clarify
    1. Go to Google Scholar and select federal/Florida courts, then look up any law or topic and read the court opinions.
    2. https://www.justia.com/
  5. Write letters to newspapers and public officials reporting on bad things you witness and demanding obedience to the Constitutions and laws
  6. Actively campaign for political candidates of choice, and encourage your fellows to learn and vote intelligently.
  7. Learn about the power of Juries, then contact the local county clerk and volunteer for jury duty.
  8. Keep yourself out of harm's way, and surround yourself with intelligent, well-educated people.
  9. Resolve disputes non-violently to the extent possible, starting with reasonable debate, discussion with those who influence your adversary, and as a next-to-last resort, litigation; remember that if you must ever opt for violence, you cannot prevail except through proper preparation, training, arms, strategy, confederates, evasion, stealth, and escape.
  10. Learn to Negotiate - this can include litigation; you can find many good books on the subject
  11. Learn to litigate.  Memorize, if possible, the rules of court and evidence code so you can develop the ability to litigate without an attorney
    1. Florida Rules of Court Procedure (civil, criminal, appellate, family, administration, probate, small claims, traffic)
    2. Florida EVIDENCE CODE, Florida WITNESSES, RECORDS, AND DOCUMENTS
    3. Federal Rules of Evidence
    4. Federal Rules of Court Procedure Appellate, Civil, Criminal, Bankruptcy
    5. Purchase the Jurisdictionary course to learn the basics of Civil Litigation
  12. Learn other strategies for resolving conflicts
    1. Sun Tzu's The Art of War
    2. Carl von Clausewitz's On War
    3. Comparison of  Sun Tzu and von Clausewitz
    4. Principles of Military Strategy & Tactics
    5. See the Art of Battle in action, through animated strategy maps
    6. Mao's Principles of Guerilla Warfare
  13. Learn weapons techniques, safety, and laws, get training in usage, arm yourself, and defend the Constitutions against foreign and domestic enemies, always in keeping with the law, to the extent possible - remember that law and ethics only matter to the living.
  14. Become as self-sufficient as possible, building and caching reserves of food, weapons, money, gems, and bullion for emergency.
  15. Become community-conscious, organizing your family and neighbors for emergency action.
Feel free to contact me for an academic discussion on any topic.

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Bob Hurt            Blog 1 2   f  t 
2460 Persian Drive #70
Clearwater, FL 33763
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