College of Common Law

Debt Assistance

Gaining Full Ownership Program

Foreclosure Report

Read the Story of Money in the USA here.

The courts and the counties are finally recognizing how properties are being stolen from homeowners.

FACT:  Once upon a time, mortgages were assumable. If you sold your house, the purchaser would simply take over the existing mortgage. The bank didn't care as long as payments were made, but those were the days when banks lent out real money. (See side bar for what happened.)

Whether you are facing foreclosure of the mortgage on your home or if you are still current on your mortgage payments but have discovered that your mortgage is fraudulent, it is possible to rid yourself of those monthly payments and become Full Owner of your property. However, if you are already embroiled in a court case that is active, we may have to recommend a lawyer who can work with you as a paralegal to coach you on court procedure and prepare court paperwork for you since our expertise is in private administrative documents and we're not experienced enough in the workings of the courts.

Most other programs tend to overlook the underlying fraud in the entire banking/mortgage industry, relying only on the statutes and bank errors to stop foreclosure. It's something like saying "It's OK that you're robbing me, but you aren't following all the rules."

The Full Ownership Program does not co-exist with the underlying illusion that is conventionally accepted. In order to take best advantage of our Program, some essential knowledge is necessary. Firstly, the contract you signed at the closing has two main parts: 1) The Deed of Trust outlines the terms and conditions of the trust contract between the "lender" and the homeowner; and 2)The Promissory Note which outlines the intention of the homeowner to pay the "lender" or "loan servicer" monthly amounts plus interest.

How Your Mortgage Transaction Was Structured:

The Deed of Trust ("DOT") is your property through which you give the bank permission to securitize your Promissory Note ("PN"), meaning that it is bundled with many others and put through a public auction pool. You have created the public interest. The DOT lists you as the owner of the property; not the trustee, not the beneficiary or the servicing company. It is your receipt for the transaction and is an asset valued at whatever amount is stated on the Note.

The servicing bank then opens up a demand deposit account for you with a mortgage identification number. Your security instrument -- the DOT or Mortgage -- is deposited into it. This is your asset. In fact, whenever your name, social security number and date appears on any agreement, contract or other document, that creates value. It is from this value that the credit to acquire your new home was derived.

Did you think the bank actually lent you their "money"? Surprise! The "money" is really your credit and it didn't exist until you put pen to paper at the closing table.

However, even though your property was purchased with your credit, the debt is still valid because you created it and agreed to it. You are the one who chose all of the parties in the contract even if you weren't aware of it. The thing is, the bank is negligent because they are supposed to be holding your property, the PN that you agreed to pay and the DOT or mortgage which outlines the terms & conditions. In order to securitize it or move it, the bank needs to keep the two documents together. Otherwise, it's like having an electronic toy without the batteries. The PN provides the power, the current ("currency") for the DOT.

Rescuing Your Property:

Hopefully, after reading the foregoing, you now realize that you are the only one who put anything of value into your home purchase transaction and probably added value to the property too if you've maintained it, so guess who's in the driver's seat? That's right -- you are. And you are able to take charge of reclaiming your property.

The method we use is entirely administrative, not judicial (i.e., you don't have to go into court), and gets straight to the heart of the matter which is your PN. We will show you how to re-present your Promissory Note to whomever is claiming to be the current mortgagee so that it will satisfy any outstanding debt that may exist. That action will "settle" the trust you may not have even been aware of creating in the first place. Your property then has to be returned to you. If it is not, it would be an unmistakable act of thievery.

If the bank/mortgagee is reluctant to return the property to it's rightful owner, a notary public can step in to protest the bank's lack of performance. When the bank dishonors the notary's process by not replying, or replying in an improper manner, the notary can issue a Certificate of Reconveyance which enables you to re-claim your property.

Although this program is simple and powerful, it may not be for everyone. People who prefer to pay someone else to handle their challenges need to work with an attorney, in which case they'd be  working through the courts. The Full Ownership program is for those who are willing to take charge of defending their property themselves. To build invincible confidence to do this, you need one thing: knowledge of who you are! Just realize that the "credit" referred to in the "full faith and credit" clause of the United States of America is created by you and anyone else who can cloud a mirror and has a registered birth certificate. That is the only credit (a.k.a. "money") that exists.

We Work With You

The staff of the University College of Common Law don't just set you up with some paperwork and then have e-mail autoresponders and recorded messages answer your pleas for help. Once our business relationship is established, we work with you to address challenges as they arise. Letters from your opponent must be answered if you are to remain in control.  We are "wordsmiths" who have an arsenal of responses to deal with whatever crafty paperwork you may receive. 

None of the $3,000 that we request for these services is due until you grasp how the process works and your questions are answered. To get started and for more information, fill out the Full Ownership form (click here) so we have your contact information and a little background regarding your situation. Since we think it's a good idea to secure a land patent on your property, after submitting the form you will be taken to an article about Allodial Titles & Land Patents to gain an understanding of what Full Ownership really means. When we receive your Full Ownership form,  an information sheet explaining what to do first and suggesting ways to make your donation will be e-mailed to you.

Your donation of $3,000 can be reduced if you have more than one property, or if you introduce others who contract with us.