Tuesday, July 28, 2015

You Can Live as a Volunteer Minister

Some of you have known me or known of me for a decade or more.  You have read my writings with more or less agreement.  What do you find common about them?  How would you characterize my approach to the world?

In a nutshell, I am a Swami... a Volunteer Minister... an Evangelist.

I study, I lecture, and I write to improve civilization, improve our world, and help others.  I strive to share insights to problems, clarify practical and ideal solutions to them, and encourage people to implement those solutions.

Some, but not many, people disagree with my approach, analyses, position, solution, etc.  I don't consider those who disagree as nut cases.  Most of they time they put emphasis on different importances from those I emphasize.  But I remain forever a student, willing to learn new insights into the complexities of evolving a high quality civilization as the people of this world inexorably slog along to an Age of Light and Life in our far distant future.  I simply try to guide the slogging in an appropriate direction.


I have adopted certain tools of guidance as my favorites.

  1. The Urantia Book - I consider this modern revelation and masterpiece of American Language literature as the ultimate guide book for humanity.  It is my absolute favorite, and I commend all to its reading and the embrace of its noble truths centered in the Fatherhood of God and Brotherhood of Man.  I have studied and applied its teachings since 1971.

  2. Scientology Handbook  (formerly, the Volunteer Minister's Handbook)- I thoroughly appreciate the practical applications of this collection of writings by American author and philosopher L. Ron Hubbard, founder of the so-called religion of Scientology.  It contains workable answers to the problems people face in their lives. I have used the technology to bring about improvements in people's lives since 1977.

  3. The Holy Bible - many aspire to follow the ideals in this collection of ancient writings.  I consider it good to know those ideals so as to understand and support those who want to follow the ideals.  I do not consider the book historically accurate or philosophically consistent, and I put the Holy Qur'an in a similar category.  I look at both books as a banquet table laden with a feast of dishes prepared by a variety of cooks, from foragers and cave men, to gourmet chefs, to enlightened modern nutritionists.  I discourage banquet guests from eating the centerpiece and plates.  I encourage them to seek the fare of enlightened nutritionists, so to speak.  My parents started sending me at age 4 to Sunday School to learn Bible teachings in 1947. I started studying the Qur'an in 1978.


If YOU want to live as a Volunteer Minister and develop greater abilities to help others, I encourage you to focus your attention on Tools 1 and 2 above - the Urantia Book and Scientology Handbook. Buy a copy of each.  Study them.  Apply them in your living.  Encourage others to do the same. Download or browse the texts and learn them so they can become your very own internal tools for solving the problems of the world around you.

Then CONFESS to others that you have become a Volunteer Minister, and that you intend to use the above technologies to improve your own life, help others improve their lives, and to evolve an idealized human civilization on our world.

You cannot have a more noble ambition.

Bob Hurt, ConcernedBob Hurt         Blog 1 2 3   f  t  
2460 Persian Drive #70
Clearwater, FL 33763
Email; Call: (727) 669-5511
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Saturday, July 25, 2015

Foreclosure Statute of Limitations Leaves Bad Taste in Judge's Mouth - In Re: Washington

"...with figurative hand holding the nose, the Court, for the reasons
set forth below, will grant Debtor's motion for summary judgment."
"The Court will proceed to gargle in an effort to remove the lingering bad taste."
In the case I linked above, the New Jersey US Bankruptcy court denied foreclosure of an unpaid mortgage because the claimant securitization trust FAILED to sue within 6 years after it had accelerated the note because of non-payment. The New Jersey 6 year foreclosure statute of limitations, enacted in 2009 as an adjunct to the 1995 Fair Foreclosure Act, forbids foreclosure later than 6 years after accelerating the note.
I see the banks' moaning about this decision as an effort to have their cake and eat it too. The bank accelerates the note, making the whole balance due immediately, but still wants the statute of limitations to expire AFTER the originally scheduled maturity date of the note(typically 20 or 30 years.)
A similar dispute has arisen in Florida, and the courts simply cannot face the reality that creditors who fail properly to litigate
foreclosure deserve to lose their claim against the borrower. The Florida Supreme Court has failed to weigh in on the matter so far, but has granted certiorari to determine whether the Statute of Limitations applies to accelerated notes. See Bartram v. U.S. Bank, Nat’l Ass’n, 140 So. 3d 1007 (Fla. 5th DCA 2014), cert granted, (Fla. Sept. 11, 2014)(No. SC14-1265).
The Third District has opined that a dismissal with prejudice
de-accelerates the note as a matter of law. I disagree, but anyway see Deutsche Bank Trust Company Americas v. Beauvais, 3D14-575, 2014 WL 7156961 (Fla. 3d DCA 2014). The Third DCA also held that a threat to accelerate does not constitute an acceleration. See Snow v. Wells Fargo Bank, N.A., 2015 WL 160326 (Fla. 3d DCA Jan. 14, 2015).

In my opinion, a threat to accelerate does not constitute an
acceleration, but NO dismissal, with or without prejudice, stops the
statute of limitation clock from ticking or restarts it. The clock
starts ticking on the payment stream at the instant the first breach
occurs or on the entire amount of the note with accrued interest and
collection costs the instant the creditor accelerates the note.
The big rub in all this lies with the concept of acceleration. The borrower must make payments in a stream of payments, and every payment has an associated statute of limitations. But if,  because of a breach, the creditor accelerates the note, making the entire balance due and payable forthwith, the statute of limitations clock starts ticking at the acceleration because the payment stream obligation no longer exists, by operation of the law of the contract.
Let us back off from all this to see it in crystal clear context. What difference does a foreclosure or related statute of limitations make when the lender or others injured the borrower at the inception of the loan through such heinous acts as these:
  • appraisal fraud
  • loan application fraud
  • bait and switch tactics
  • excessive origination fees
  • excessive interest
A borrower who attacks the injurious parties over these can end up with millions of dollars in compensatory and punitive damages, or the house free and clear, without the gruelling terror of a foreclosure battle.
If you want to know how to find such injuries as those I listed above,
plus dozens more, visit this web site:
Then, give me a call
Bob Hurt
727 669 5511