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BEFORE YOU READ FURTHER - THIS IS NOT TO BE USED IF YOU ARE IN FORECLOSURE.  CLICK HERE FOR THAT.

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I learned about this from Inalienable Rights University, a freedom group led by Gianna and Scott. Scott understands and teaches the clever tricks banks use to hide their illegal and fraudulent practices. Scott is full of brilliant information, and Gianna knows her stuff, too. It's a great group that focuses on lawfully taking actions to live in the private. It's all legal. The class stays away from "sovereign citizen" and "strawman" stuff. Gianna is a tough gatekeeper which can be extremely off-putting to some. It is pricey, too. You need thousands of dollars if you're going to learn through their classes. I paid close to $5,000 for Scott to do my mortgage extinguishment plus $999 for the class, plus $1999 for the forensic audit, plus the $111 monthly membership fee. It was worth it, but I know others want to learn the same and simply don't have that kind of money. I want people to be mortgage free. That group is for people who have the money and are a little nervous doing this on their own. My site is more for the scrappy warriors who are barely making ends meet and don't have thousands to spend. That's why you're trying to figure out how to leave the Matrix, because you are financially suffering and working your butt off at the same time. In my mind, we need to share this info every way we can; the more peaceful warriors we have doing this, the quicker the Matrix will crumble. Still, I credit them and will be forever grateful to them for teaching how to legally (lawfully) void your contracts with bank loans. ***Scott never shows the members in the mortgage class his proprietary work that he sends to the bank on your behalf. I have never seen or copied any of Scott's mortgage material. I figured it out on my own.*** The intro to the course is generally based off of information also found on other sites like Living in the Private, a blog site from 2016 that is worth taking a look at.

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Here's the brief version of how the process works:

It's 99.999% guaranteed that your mortgage has been sold by the bank and the note and mortgage have been separated.  The bank (known as servicer) does not own the Note nor the debt. This makes the mortgage contract null and void (see details below). 

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**In your mortgage documents, it says your mortgage can be transferred or assigned.

They make you think this is the same thing as

selling your note and separating it from the mortgage. It is NOT. 

You never consented to what they did and it's definitely not in your contract.**

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1. Decide you're going for it with no fear. You need to understand that it will feel and look scary, but this process has worked for many, including myself. 

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2. Order a forensic audit on your mortgage for $2000 using one of my referred auditors. The forensic auditing people are the experts who can stand on the legality and facts of what the audit proves. You will need to give them a copy of your mortgage and your note. The audit will reveal that your mortgage has been separated from the debt. Again, this invalidates the mortgage, but this what banks do every day. The auditor will sign an affidavit as an expert witness that what the audit shows it true. 

                                      Click here to see a pages from my forensic audit so you can see what it looks like.  

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                                      Click here to see a detailed video of exactly what the audit tracks and proves. 

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3. Pay $1800 for my services, which are writing and sending the critical letters to the bank, writing affidavits for you to use, closing the timeline with the bank after their required 60 days to respond, and following through with you to the end when you record your Release of Lien (I'll send that to you as well) with your county clerk. My time is valuable, I put 100% effort what I do, and this process takes time and effort.  We will have a binding mutual covenant of understanding to make the expectations clear. Email me at Support@TheMatrixExposed.com.  Yes, I take payments but nothing begins until it's paid.

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How is My Mortgage Made Null and Void?

When the bank separates your mortgage from the note, they invalidate the mortgage and have no way of foreclosing on it. This is all thanks to the Supreme Court Case called Carpenter v Longan. This case is from 1872 and has never been overturned.  DO NOT LET ANYONE TELL YOU THIS CASE DOES NOT APPLY.  The Supreme Court is the supreme law of the land and supersedes all statutes and statutory rulings. That being said, this case is not even overturned in any statutory case law. It has been attempted to be thrown out by banks - but the Appellate Courts stand by the Supreme Court, because they have to.  

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This Carpenter v Longan case of 1872 is about a woman who mortgaged her land and signed a contract (the mortgage) to make some of the payments (the note) in wheat and flour. The lender assigned the mortgage and note to another guy. When the note came due, he did not count her wheat and flour as part of the payment and began foreclosure proceedings. He said he still had rights to seize her property based on the mortgage.  She said no because the mortgage was attached to the note which said wheat and flour was part the currency. She sued him and won. The Supreme Court said the mortgage and note cannot be separated.

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Carpenter v. Longan, 83 U.S. 271 (1872) ruled that a “note and a mortgage

are inseparable; the former as essential, the latter as an incident."

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Today, we don't pay in wheat, obviously. Banks will always want federal reserve dollars.  But the spirit of the ruling remains the same. Why do banks want to separate the note from the mortgage?  To sell each one and capitalize on each, of course. They sell one into a bundle bond on the stock market and the other they fractionalize 10x over. The fact remains: the note and mortgage are inseparable. This ruling is still contested today by banks who have been caught.  However, the ruling has been upheld. The banks have no claim to your home if they cannot produce evidence that they own the NOTE.   

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I don't want you to just trust this 1872 ruling and hope for the best.  Click on these links below to deepen your understanding before you take this leap. 

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SHREWSBURY v. BANK OF NEW YORK MELLON CWMBS CHL 2007 2007 (2017) | FindLaw

Upon appeal, the Supreme Court of Delaware in 2017 reversed the superior court's ruling in favor of the bank (this would be the statutory ruling) and HELD THAT A NOTE AND MORTGAGE ARE INSEPARABLE.  In other words, Mr. and Mrs. Shrewsbury lost their case in statutory superior court in their county, appealed it to the Delaware Supreme Court, and won.

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Analyses of Carpenter v. Longan, 83 U.S. 271 | Casetext

This link contains further analysis of this 1872 Supreme Court ruling and how it still applies today.

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MAKE NO MISTAKE. THE BANKS WILL TRY TO ARGUE THIS.

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So, how do you win?  You take your property out of the statutory jurisdiction by filing a release of lien in with the county clerk and conveying it into the private.  It's not up to the bank to admit what they did, and they never will.  How do you legally file a release of lien?  By using their own statutory contract rules, specifically 15 USC 1692(g)a, and UCC 2-202 which basically states in laymen's terms that not rebutting a claim stands an agreement that the claim is true. 

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Example: When a credit card company or a debt collector sends you a notice of an amount owed,

if you do nothing, the bank uses these same codes to prove you have agreed that you owe it. 

Why? Because you didn't respond, and so you created a "tacit agreement".   

Well, these codes work both ways, and now you can you use them in your favor to record your Release of Lien.

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Then bank cannot prove they own the note.  They won't respond with proof of ownership of it.  That's a tacit agreement that your position is correct. Then, you file your Release of Lien along with the audit, the affidavits, and the letters to the bank and convey your property into the private.  Nobody will be able to publicly see who owns it. Sometimes clerks file without issue, sometimes they push back. There are ways to force them to file, it might just take several attempts. Once it's filed, now it is no longer in the corporate public jurisdiction. It is now part of the private common law world of living men and women. Bonus: you don't have to pay property taxes anymore, either. ​

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I stopped paying my mortgage before my forensic audit came back because my loan had been transferred three times already. I was pretty confident the audit would come back showing all the shenanigans going on, and I was right. If you want to keep paying your mortgage until the audit comes back and proves the note and mortgage have been separated, that's up to you.  Once you know it's been separated, people stop paying and let the process begin. It will take approximately 60-90 days for the whole process.

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So what happened to your loan? The bank sold it to a Trust Security Bond, so those investors expect that loan to still be paid, right? Technically, the loan still exists. But it has been stripped of all beneficial interests and rights. Not only is it now an unsecured debt (meaning your home is no longer attached to it because the Note and Mortgage have been separated), it is impossible for ANYONE to collect on that debt because the Note has been separated from the Debt. The Debt only exists in concept if both tangible parts are possessed legally by the same entity. This is not only the Supreme Law, it's in Federal and State statutes. Okay, that sounds confusing, and it is. The Note doesn't belong to the Trust Security; neither does the Mortgage. Only the indorsement on the Note and the legal transfer of the Note publicly recorded can cause the Note to exist as a collectable debt by the entity that possesses both.

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Your credit will take a hit, that's a guarantee. But after it's over, there's an easy letter to file with the credit reporting agencies to get that score back up again.  

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The bank will begin to send you letters offering help, mediation, and foreclosure notices. I will tell you what to do with those once the process begins. If you don't learn how and why the banks and wrong and you are right, they will succeed in scaring you with these letters. That's why it's critical that you truly understand this material. ​​​​​​​​​​​​​​​​​​​​​​​​​

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Email me at Support@TheMatrixExposed.com to discuss the next steps.