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Meet The Foreclosure "Experts": Hair Stylists, Walmart Floor Workers And Assembly Line Workers, All Hired To "Defraud Homeowners"
This is just surreal: the Associated Press has put together a must read profile of all the people who the mortgage servicing industry has been scrambling to get together since 2007. The outcome, and stereotypes, are stunning: "In an effort to rush through thousands of home foreclosures since 2007,
financial institutions and their mortgage servicing departments hired
hair stylists, Walmart floor workers and people who had worked on
assembly lines and installed them in "foreclosure expert" jobs with no
formal training, a Florida lawyer says." And it gets even scarier - these "experts" pretty much all confirm they participated in fraud, either willingly or unwillingly: "In depositions released Tuesday, many of those workers testified that
they barely knew what a mortgage was. Some couldn't define the word
"affidavit." Others didn't know what a complaint was, or even what was
meant by personal property. Most troubling, several said they knew they
were lying when they signed the foreclosure affidavits and that they
agreed with the defense lawyers' accusations about document fraud." And here is punchline: " In what is perhaps a
sign of things to come, a Simi Valley, Calif., couple and their nine
children broke into their foreclosed home over the weekend and moved
back in, according to television station KABC of Simi Valley. The family was evicted
from their Spanish-style two-story in July. The home has been sold, and
the new owner was due to move in soon." And this is a problem that will go away in a few months?
"The mortgage servicers hired people who would never question authority," said Peter Ticktin, a Deerfield Beach, Fla., lawyer who is defending 3,000 homeowners in foreclosure cases. As part of his work, Ticktin gathered 150 depositions from bank employees who say they signed foreclosure affidavits without reviewing the documents or ever laying eyes on them -- earning them the name "robo-signers."
The deposed employees worked for the mortgage service divisions of banks such as Bank of America and JP Morgan Chase, as well as for mortgage servicers like Litton Loan Servicing, a division of Goldman Sachs.
Ticktin said he would make the testimony available to state and federal agencies that are investigating financial institutions for allegations of possible mortgage fraud. This comes on the eve of an expected announcement Wednesday from 40 state attorneys general that they will launch a collective probe into the mortgage industry.
"This was an industrywide scheme designed to defraud homeowners," Ticktin said.
The depositions paint a surreal picture of foreclosure experts who didn't understand even the most elementary aspects of the mortgage or foreclosure process -- even though they were entrusted as the records custodians of homeowners' loans. In one deposition taken in Houston, a foreclosure supervisor with Litton Loan couldn't define basic terms like promissory note, mortgagee, lien, receiver, jurisdiction, circuit court, plaintiff's assignor or defendant. She testified that she didn't know why a spouse might claim interest in a property, what the required conditions were for a bank to foreclose or who the holder of the mortgage note was. "I don't know the ins and outs of the loan, I just sign documents," she said at one point.
Until now, only a handful of depositions from robo-signers have come to light. But the sheer volume of the new depositions will make it more difficult for financial institutions to argue that robo-signing was an aberrant practice in a handful of rogue back offices.
Judges are unlikely to look favorably on a bank that claims paperwork flaws don't matter because the borrower was in default on the loan, said Kendall Coffey, a former Miami U.S. attorney and author of the book "Foreclosures."
"There has to be a cornerstone of integrity to the process," Coffey said.
Unfortunately, there isn't. And the distant thunder in WFC and BAC CDS is just the beginning. And here is the confirmation of the total clusterfuck about to envelop the nation:
Meanwhile, the public outrage continues to mount. In what is perhaps a
sign of things to come, a Simi Valley, Calif., couple and their nine
children broke into their foreclosed home over the weekend and moved
back in, according to television station KABC of Simi Valley. The
couple, Jim and Danielle Earl, say they were working with the bank to
catch up on payments until they discovered a $25,000 difference between
what they owed and what the bank said they owed. The family was evicted
from their Spanish-style two-story in July. The home has been sold, and
the new owner was due to move in soon.
Read the full unbelieveable piece here.
h/t Ian
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You are absolutely right about that.
They were advised by their attorney to do so. I would guess the most recent buyers are not opposing upon the advice of their own attorney.
It may well be that the new "squatters" have the stronger claim.
Yes, unfortunately these "little" guys will all go to jail, but you know who will end up with bonuses galore, and another house in the Hamptons. Business as usual in this gold ol' USA.
We're in full-on denial mode. Nothing happens until it absolutely must happen, and nothing happens at all if it can simply be ignored. Fingers in our ears, la-la-la can't hear you.
It really is surreal how it all combines into this absurd slow-motion train wreck. It's like the dynamically reconfiguring factory in Toys, where everyone just keeps shuffling around as the walls close in. I guess it will keep working as long as the general population doesn't wake up.
america has been afflicted with cancer since 1913 when the crooks of jekyll island and the fraud kings like bernard baruch engineered the income tax and federal reserve in the stealth of night.
the liar roosevelt continued the fraud and american life has been one crooked corrupt pile of lies and horseshit ever since....
money for nothing and your chicks for free - barney the fag's career motto - only in his case he paid for sex from boys supplied by a national sex ring run by corrupt republicans (bush connections) out of omaha....if you want to get really sick, investigate this and the lincoln savings and loan fraud with larry king (not be confused with the cnn celebrity)
the cancerous filth before us is a legacy of higher education....the financial fraud was hatched and perpetrated by the elites of our country....a bunch of self righteous assholes...termites have eaten america into a crumbled bit of balsa wood...
And the stock market continues to tick up and up and up. Lets also reward our CRONIES with yet another round of bonuses for creating this fustercluck...As the rest of the U.S. economy deeply struggles, the major financial firms down on Wall Street are projected to pay out an all-time record of $144 billion in compensation for 2010.
And you wonder what the fuck is really going on?
Right on...and no...I'm not wondering what is going on. It is quite clear what is going on. Except this time around, the crooks in DC are tossing back at the crony capitalist banksters...and I'm short and waiting for the fight...eating popcorn.
FnA! I don't think this one will roll off the old HFTs back.
Cdad
DON'T call these crooks capitalist. If that was the case they would have been bankrupt in 2008. These guys are criminal socialists. Privatize their gains, and socialize (foist onto the backs of the American working class) all their losses.
If I were stockholders--or auditors--I would demand that the banks hold back all that "bonus money" as reserves against foreseeable losses (whether from write-downs or legal settlements) that would otherwise jeapordize the very survival of the firms. They have no contractual claim for Gov bailouts.
The news is out. There is no way the banksters meet their fudiciary duties if they pay out that bonus money.
Under the circumstances, it would clearly constitute looting the companies.
Defraud, or simply hire whatever bodies were available at the cheapest rates?
Hiring untrained workers and then not training them properly is grounds for malfeasance but is it outright fraud? Splitting hairs ?
Ok, in many cases, it appears to be fraud ...
Am I my brother's keeper?
Ortho tri cyclen.
Immovable object, meet unstoppable force.
What I find amazing is the market is completely ignoring the implications for banks. Is the TBTF thing just a given and the market knows nothing will come of this?
JPM's cutting of it's LLR seems to indicate as such. I'm uncertain of the mechanism, but yeah, the loans are going off the bank books, that I'm pretty sure of.
Yes, XLF up today on 'bank crisis'. Money will be printed for them until they no longer need it ... when icicles envelope Hades.
Enough to build a funeral pyre...
Just what did the ads look like...
HELP WANTED: Major Financial Institution is seeking qualified applicants in their mortgage servicing department. Fast-paced environment. Ability to complete assignments with minimal guidance. English proficiency is not required. We are industry leaders and invite you to join our committed team of professionals. Confidentiality agreements will be required due to the sensitivity of our work. Flexible hours. Break room.
Must be able to lie to a judge.
Responsibilities include: being able to sign own name, and able to answer basic questions at future depositions such as, "my name is ______."
....AND....to be able to sign the name of your supervisor, and, your supervisors regional manager
The Simi valley people have been in foreclosure proceeding for 6 years. They are over $125,000 behind on a $800,000 debt. They broke into someone elses home that they used to live in. They had the multiple opportunities to challenge the foreclosure proceedings and failed to do so. The house was sold on the Courthouse steps to a person/corp who put money into it to have it be resold.
All of these people really owe the money. What is questionable is whether the security promised for the loan can be legally taken back due to non-payment.
It really isn't the banks fault for helping you to make a mistake. It is their mistake to lend you the money.
"It is their mistake to lend you the money."
Does this really strike you as a "whoops, need a mulligan on that one!" situation?
I don't really buy the idea that these folks "deserve" to live in that house given that they didn't pay for it, but at the same time, do the banks "deserve" to make money on these deals? Keep in mind, the banks collectively make big, big money off the process of people defaulting, foreclosing on the property, and then re-lending to the new borrowers. The cash flow on housing churn is unfuckingbelievably profitable.
You're a tad short on facts. They were in the process of a work-out and they had an attorney working on the whole thing. It apparently cleared the courts regardless. Law enforcement refused to remove them from the house. They had a locksmith gain entry for them with all sorts of officials looking on.
"Hello welcome to Walmart, would you like some MERS with your purchase today?"
TheStreet: JP Morgan shut down foreclosure in certain states, while Bank of America(BAC_) shut them all down. Freezing foreclosures can't be good for banks, right?
Chris Whalen: Yes, but all the documents are questionable. You see, for the past 30 years home prices have been rising without interruption. There have been some modest corrections. But, by and large, collateral prices have been going up and up for both for residential and commercial. So the fact that Wall Street didn't want to spend an extra half point when they did a mortgage-backed security to send paralegals around the country to change the collateral lien on the mortgage - nobody noticed.
Whatever imperfections or failings were in the system no one noticed. Now we're noticing. That's because the value of the collateral has dropped a lot, 25% to 35% depending on where you are in the country. So you have all these people who are confronted with foreclosure and the bank or the agent shows up in court and they can't necessarily attest to who owns the mortgage.
The fact of bad documentation does not change the fact that the mortgage is bad.
TheStreet: Right, it won't change the fact of the foreclosure. It's just a step back to make sure the documents are in order.
Whalen: No, it's not that simple. If the lien wasn't changed, you can't go into court and foreclose. You can't stand up in front of the judge and say "I am the party who owns the mortgage your honor." He's going to look at the docket and if the record in the New York State courthouse doesn't say that he's the owner - he may not agree.
So when you have an imperfection in the record, you're in big trouble as a lender. You basically have an unsecured loan. That's the issue that's really going to commit the banks this year and next year. Investors are going to sue them because they were sold a security that was fraudulent. It was not collateralized. And the underwriter of the security did not take the steps required to go out there and perfect the collateral lien, because they wanted to keep the extra half point for themselves as profit in the underwriting instead of having it as the expense for the underwriting.
TheStreet: You've got issues on both sides. Not only the bank, but the people that bought the mortgage-backed securities?
Whalen: Exactly. You have the original purchase by say, Lehman Brothers. You have the investor who bought the security. You have the borrower who originally took out the mortgage. All of these people have cause of action against the bank. This is going to be a mess for years.
TheStreet: When is this going to hit the banks books?
Whalen: Well, it's hitting it now. We're barely through a quarter of the total foreclosures. So if you think about Bank of America - the claims they're facing from Fannie Mae and Freddie Mac for bad loans they have to repurchase. They have over a trillion dollars in footings. My number is $40-$50 billion in loan repurchase expense for Bank of America through the cycle. That is only about 3% of their total exposure to Fannie and Freddie. It's not a huge number and I think we'll easily get there.
The other issue is just dealing with these properties, which is going to overwhelm them. This is why you see banks walking away from properties. They are just handing the keys to the state or the city where the property is located and saying "here, this is yours - go sell it".
The problem I see here is two-fold. First this process of implosion in terms of real estate values, foreclosures and everything else is going to destroy the property tax base of many communities. The ad valorum tax base is the foundation of the United States financially. If that starts to shrink, you have to shrink services. You have to fire people. It's deflationary.
The other more important issue is the banks are going to have to be restructured and nobody in Washington wants to talk about this. So, you have the Fed keeping rates low and killing consumers with expenditures. Now, the real trick with quantitative easing is dollar devaluation.
If we do that, than everybody else in the world that uses the dollar as their reserve currency are going to see their central banks taking losses and they're going to see the markets in the U.S. shrinking in terms of their own currencies. The only choice they'll have is to also shrink their currencies. They're going to see shrinkage in revenue, in the value of assets and everything else.
The folks at the Fed are frozen in fear. They don't know what to do.
TheStreet: The banks keep getting mixed signals out of Washington. They have proposed recent legislation which allows for notary's to be recognized across state border. That was good for the banks...
Whalen: Pure politics by [President] Obama.
TheStreet:.. but then they are also being told to not foreclose on poor Americans. Then the White House says freezing foreclosure is not a good idea.
Whalen: It's going to kill the market for homes. Think of it in terms of closings. If you were a title insurance company, would you write title insurance now? No way. So, if I can't get title insurance on a home purchase, I can't close. What the Obama administration and the Fed are doing in large part because they are being overwhelmed by issues where there's no give and no good choices.
No matter what you do you're creating a problem somewhere else. So we have a situation where they're trying to pander to the consumer on the one hand, rhetorically, but they're still in the background trying to pander to the banks and this is subsidies from the Fed through interest rates and also the refinancing issue.
Fannie, Freddie, and the top three banks are essentially a cartel now. They are blocking refinancing for the homeowners out there who are performing and who should be refinanced to keep their costs low and reliquify these households. Instead, the banks are writing very few mortgages but they're putting four or five points on top compared to half a point back in 2006/2005 time frame.
That to me is the biggest problem of all. In the post war period every time the Fed dropped rates, households refinanced. Credit cards, mortgages, whatever. But now if you look at the charts the effective rates from Fannie and Freddie hasn't budged, whereas the cost of funds for the banks, for the GSE has fallen. So, there's no benefit going to the consumer. If this consumer led society of ours doesn't recover, then we're going to see unemployment go up again. We're going to see home prices fall further. We're going to be stuck in a classic deflation. In many ways we can't avoid this. It's baked into the pie. But I think there a policy steps that we could take - specifically restructuring these big lenders so that they stop shrinking.
We need to do a good bank/bad bank and tell the bond holders who have been essentially escaping the pains of the failure of lehman brothers - you guys have to kick in. This will make my friends at PIMCO and Blackrock(BLK_), very unhappy. But tough, because either way they're gonna lose. Either they lose through inflation or restructuring. I think restructuring is better because it stops the shrinkage. We could stabilize the situation and start to grow again.
But if we do nothing - if we just muddle along as Tim Geithner has apparently recommended to the president, then we're gonna have years of deflation.
think Barack Obama is going to be the Herbert Hoover of the Democratic Party, because he's repeating all of Hoover's mistakes.
http://www.thestreet.com/story/10887773/1/foreclosure-fear-qa-risk-analy...
Thanks for posting this. Whalen cuts to the chase better than anybody.
This whole thing is a smokescreen to hide the fact that the banks really don't want to take the hit to their books. Now they have an excuse to hold off again. I haven't heard any banks complaining about this. In fact, they seem almost too eager to stop the whole foreclosure process. A collective sigh of relief was heard from the bank as the AGs demanded foreclosures stop.
I'd be really surprised to find a homeowner who is current on their payments agreeing to a foreclosure on their house. It just doesn't make sense. People read into stories exactly what they want to hear...
You could be right. The HAMP bullshit helped the banksters call a long time out too. I quit believing that anything related to this real estate mess is an accident of random discovery. The architects of this mess know its all FUBAR. Delay is the only friend any of them have now. QE is on the horizon.
I am shocked, absolutely shocked I tell ya....actually no, I'm not shocked at all. I am not the least bit surprised by this type of behavior...not one bit.
I wonder if contract sales will make a comeback because of this....lol
Sad but true. A friend of mine in Oregon, a helpless alcoholic, but a great closer, became a mortgage broker. I couldn't believe that a "bank" or "mortgage" company would want someone to "close" mortgages.
When will this nightmare end ? When will the one true, un-bought and paid-for leader emerge in this nation ? When will the criminals go to jail and be required to repay the ill gotten "bonuses" for ruining this nation ?
When will this country reward honest behavior and not fraudulent behavior ?
I assume all those questions are "rhetorical" in nature?
Either that or he's been watching a lot of Frank Capra movies.
That's the ticket - Uncle Billy lost the loan paperwork!
I would not hold my breath on that one - BUT - we may actually see progress if one of these days you drive over the 14th Street Bridge and see a few of them hanging from the light posts - then MAYBE some of them will get the idea that WE THE PEOPLE have had enough.
"When will this country reward honest behavior and not fraudulent behavior ?"
I'm really sick of questions like this. Sorry this has to be you because really it's directed at the general populace. The answer to your question is...
WHEN YOU GET OFF YOUR LAZY ASS, AND DO SOMETHING ABOUT IT. INSTEAD YOU WHINE, AND BITCH, AND COMPLAIN... OH ME OH MY, I'M A VICTIM; POOR ME.
We need a revolution, and we need it now. It doesn't even have to be violent, and no useless marches are required. We need a good chunk of middle class America to throw the middle finger and say not one more inch.
Refuse to pay taxes. Refuse to make unneccessary purchases. Refuse to pay your mortgage. Refuse to work. Refuse these things until accountablility is restored. We have the power, we give it away to crooks, and then get upset that they are raping us. How stupid are we? All we need is someone to organize the movement, put up a website, and name the date. What are they going to do? Put us all in prison? Foreclose on us all? A nation of fucking sheep, that's what we are. I'm ready to go on this, but I can't expose my family to the dangers of doing it alone.
Fuck the government and the political parties! Fuck the banksters and Wall Street!
I don't care if I have to say it a thousand times, but if we do the above we'll shake the pillars of power which rest upon us. If we exercise our power they cannot win, it is only when we are frozen to inaction and trapped in fear that they can prevail. It's as simple as that, and that's when the nightmare ends.
You just hit the key point, "i can't expose my family to the dangers of doing it alone". That is everyone's fear my friend, if it was just me I'd say fuck it and shut down on everything and probably through a few punches along the way. So to answer your question, we are still in a slow burn, when they try to take food out of my kids mouth the playing field is even. I am faced with two choices if I let them my family suffers we get nowhere to rectifying this, if I fight my family may suffer but at least I fought it and at that point I'll fight outside of the rules because then I have nothing to lose and that is when you will see the powder keg blow sky high around this country.
Ok, so you'll do it, I'll do it, and I'll bet most people from the Tea Party movement, Libertarian Party, and the fringes of the two majors would jump in too...
I think you missed the other key. All we need is someone to put up a website, get some pub for the fuck you I'm not playing ball movement, and a date to pull the trigger. If even a decent sized minority did what we're talking about here, then that would be enough. The hard part is past us as the will is there. We just need to be galvanized, and the good news is that with the internet it is easy to galvanize a movement.
Careful there, MSNBC will call it the Beer Hall Putsch II
How would a peaceful non participation movement bear any resemblance to the Beer Hall Putsch? The only correlation I can see is that they could both be considered revolutionary in nature?
Besides what do I care what MSNBC thinks, fuck them, and Fox, and CNN too. These corpo distraction machines don't have the best interests of my people at heart. They sell advertising, and that's all they do.
I think you are hoping against hope my friend -- this country is too far gone to be salvaged by peaceful means. Too many piglets feeding at the government trough and are perfectly happy with the free candy they are getting. This countries woes will not be resolved at the ballot box. JMO
We certainally do need a revolution. A restoration of individfual liberties to a level last seen under Georege III would be a success.
The old Baader Meinhof group had a unique way of dealing with bank presidents. Of course I am not advocating such behavior, but I do believe nothing short of such acts will put a stop to the self-dealing and over bonus-ing for shit that eventually falls on to the taxpayer, much less get any of it back.
Think of the billions of bonuses paid---and front loaded, by the way, by NPV'ing the supposed profit flow over the life of the instrument---stemming from all these loans, securitizations, associated CDS', and then finally brokering all this dross to the Fed in QEI. That provides a new definition for the term "unearned income".
Hey remember these headlines from 2007ish?
Goldman Sachs Lloyd Blankfein is set for a 30% pay hike that will bring his payout to about $70 million this year, according to a report.
The bank's compensation pot - or the money used to pay employee salaries and bonuses - is estimated at $20 billion, the report said. Based on Goldman's 29,000 full-time staff members, that would come to about $360,000 per person, the FT said.
--------
Dec 2006
Goldman Sachs will pay about 50 executives bonuses of $25 million or more, according to CNBC's Charles Gasparino.
Ka-ching! Wall Street bonuses hit record $23.9 billion - Reuters (12/19/2006 4:31 PM) Goldman Pays Chief Blankfein $53.4 Million 2006 Bonus - Bloomberg (12/19/2006 4:34 PM) Minks, Private-Jet Time Get Gift-Wrapped as New Yorkers Splurge - Bloomberg (12/20/2006 5:37 AM) Options probes coincide with more than 30 executive resignations - CFO.com (12/20/2006 8:31 AM) Deal Maker’s 3-Day Tally: $37 Billion - NY Times (12/20/2006 5:38 AM) Street Chiefs in for Big Paydays - WSJ ($) (12/15/2006)Just wanted to let out an obligitory "holy shit" about this whole thing. Holy shit.
Also:
"The document problems could prolong the housing downturn if many home buyers become unwilling to purchase foreclosed homes. But for a few months anyway, the problems could help prop up prices, because fewer low-priced foreclosed homes will be for sale."
This is one of the spins I've been hearing a lot, as if this was a positive. Consider this analogy: I can price a Snickers bar at $30, it doesn't mean anyone is going to buy it. The housing market is a function of price AND units sold; if the units sold number falls off a cliff, so does the housing market, even if the prices remain flat (or even up).
This post must be hitting too close to home because they cued in the fake ufo's in NY about an hour ago!
I pray that they're a traveling band of Intergalactic Foreclosure Experts coming to our rescue!
This could very well be the tip of the iceberg. If it becomes evident that the proper note holders cannot be ascertained in many of these cases, it could spill over into performing loans, and you could have the title companies declaring moratoriums on writing title policies for properties with securitized mortgages, which is damn near all of them.
May be a surprise help for the new home sector though!
Bingo! Let's declare every existing home a "clunker," tear them down, and start over!
I like this idea, I will definately do things a lot different if you give me a do-over!
How about declaring every bank a clunker - tear them down and start anew - should have happened a few years ago.
Oddly enough, this is still going to hurt new home sales as well, not so much with pending sales, but actual completed sales, because the documentation guys are going to actually have to do their job correctly to avoid any future fuckups. The timeline for sales is going to extend a good couple of weeks, which is an eternity in today's market.
Not to mention, the reputational damage done to the mortgage process in general is probably going to cause a non-trivial amount of people to rethink buying in the first place.
Not even close. As Janet Tavakoli and others have mentioned, the regional banks didn't jump this shark. Heck, some might have felt like they were being frozen out of the action by the big boys. Who's laughing now? Refis are happening and equity is still being tapped believe it or not. It is just being done old school. How much longer that will continue I won't speculate. Just like paid off houses, some mortgages are out there with equity and good title.
"May be a surprise help for the new home sector though!"
Not if the land they are built on has no title.
This time next year-Phoenix is now Mazatlan norte??? MIlestones
These employees better start to come out...they will be thrown under the bus!
This is an excellent read on MERS past and present
http://stopforeclosurefraud.com/2010/09/22/no-theres-no-life-at-mers/
There is ZERO employees
http://stopforeclosurefraud.com/mers-101/
“Hair Stylists, Walmart Floor Workers And Assembly Line Workers”
Eh .....
Weren’t they the people who sold the mortgages in the first place?
It's over!!!
http://www.youtube.com/watch?v=GPYLJoq_40Y&feature=player_embedded
Naughty but nice.
there's two sides to title insurance. The owner's policy and the lender's. Why would a title company issue either? Which means, even cash buyers wouldn't be able to insure title.
Fannie and Freddie is one less baron they dropped Stern a foreclosure firm
http://stopforeclosurefraud.com/2010/10/13/fannie-freddie-one-less-forec...
Haven't ya heard, the financials always - always lead.......
Can't wait to see Kernen's ashen face in a few weeks. Scratch that - I wanna see that bullshit artist Cramer .....buy!buy!buy! No, even better -lets play, "are you diversified!"
Political football, no one even knows who are the real owners of the federal reserve other than an elete group. America has no proof & very few people even know if there is really any gold still being stored in Fort Knox. We lack accountability in so many areas, wondering why are you folks even making foreclosures an issue? Trust me after the election in november is over-with the poor will get their walking papers. One has to wonder what would happen if we could out source 70% of our lawyer and politican jobs abroad for 10 cents on the dollar. Me thinks things would change very fast. IMO
No, the time has come to totally eliminate 100% of the lawyers, banksters, politicians and other "official" predators. They are bogus. They are humans pretending to hold utterly fictional pretend positions.
No human can have any authority over any other. That's a simple consequence of the fact that every human enters existence the same way, with zero legitimate authority over any other. And no involuntary process can legitimately give authority of any human (or group of humans) over any other.
Thus 99% of the activity of humans in the USSA, and probably 80% of the activity of humans on earth, has become a waking delusion of following orders of non-existent non-authority.
End fictions. Get real. Eliminate human predators.
My employer once dug deep and hired a temp agency to find a certain number of people to open and close doors. That is it. Open and close. That's right door goes up wait, then door comes down. Now you got it good job!
Stay there until I tell you it's time to clock out.
It was not the task they were assigned, but the total collective mental and personalities with the group was no better than milk cattle. They come when the farmer is calling. And never complain, challenge authority or anything. Just meek, dumb obediance to the whip and menial tasks.
If that is the case which I have witnessed, then anyone can hire anyone to fill a Office and shuffle papers and give the run around until everything totally implodes. I can see it now, not just in the housing, but also in the accounts recievables, secetarial, medical clinics and medical insurance and so on. Just dozens and dozens of dolls whose strings are pulled this way and that way by a select few who knows all.
If a puppet worker gains illumination and a education of his dull world and speaks out against it, that worker's strings will be cut, the body tossed into the trash and new dolls replaced as fresh puppets.
Here is a stack of paperwork. You dont worry about anything actually contained in this paperwork. Here is a pen make all this go from "In" to "Out" at the corner of your desk by the end of day. Anyone calls to complain, just transfer them somewhere else.
Repeat this until the entire Office is one mindless unit meekly and robotically going through life with a illusion of earning a living and enjoying such freedom as we might be allowed to once they return home and thus to reality.
Is this what America's workforce has come down to?
This?
Is this why Colleges spend so much time, consume so many months and take up alot of valuable space for remedial courses until the student gains just enough to pass a test quickly lest that student forgets it all over one summer.
I am not happy for our entire Work Force in this Country. We are not free.
Except the lucky few who sit in towers of power and can see all things.
Maybe one day all of us will be replaced by Automation and get to sit bored and unable to do anything on the porch.
I understand the message I've been trying to convey for years is difficult for normal folks to wrap their heads around. But they better, because otherwise the scams implemented by the predators-that-be to "solve" the endless problems of corruption will continue.
That message is, completely end belief in fictions.
After all, fictions don't exist. Or to be more precise, a fiction is an idea or concept that does exist in the mind of a human, but unlike valid ideas and concepts, has no referent in the external world.
We must start with those fictions that are actually classified as fictions in fundamental law, usually with the term "fictitious entity". This includes all organizations, including corporations and governments. These are ideas without referents.
In the early years of america, "fictitious entities" did not exist. Individual humans ran businesses, and they were fully responsible for the actions of their businesses, and the consequences of those actions.
Today, endless vaporware fictions utterly rule over individuals, and individual humans have no idea who is responsible for lying to them, cheating them, stealing from them, sicking cops, lawyers, judges and fictitious "courts" on them because they did not comply with arbitrary groundless demands.
And the "government" whose one and only mission is to protect the liberty of every individual human lies, cheats, steals and enslaves them at every turn and opportunity... in increasingly egregious and aggressive ways.
The only solution is to full-stop refuse to pretend we are insane. Once you fully understand that a fiction is a fiction, pretending it exists is the most fundamental and classical form of insanity. You become like the thoroughly stereotypical full-bore wackjob who walks around gasping at non-existent butterflies supposedly circling his head.
How can humans get so stupid and insane that a mere raised seal on a piece of paper and a fancy badge or uniform could make them utterly lose all sight of the reality they live in? Obviously, this is a serious weakness with human intellect... the "fatal flaw in human consciousness".
Why can't two humans sit down at a table and write an agreement to sell something they own to someone else? Answer: they can. But they don't. They feed the endless "official" fictions like "robosigners" that enslave them. So much so, that they now feel utterly drowning in fiction and are mostly incapable of seeing or understanding what happened. In fact, the deeper and more complex the fiction, the more humans accept it as real. What happened is simple! Their minds of so full of fictions, the reality in the background is crowded out and only faintly perceivable.
In fact, all that exists is the universe, galaxies, planets, oceans, rivers, stone, dirt, plants and animials. Pretty much, everything else is "all in their minds". Pretty much, the intellect of human beings is in a collapse from fiat concepts, just as the economy of human beings is in a collapse from fiat money and other fiat paper instruments.
End fiat. Get real. Eliminate the predator class.