September 21, 2013 § Leave a comment

Slave Complaint Form Available from CFPB
Copyright © 13 August 2013 byBob Hurt .All rights reserved. Distribute freely.
The United States Government has created numerous commissions, agencies, bureaus,associations, and corporations to establish policies and implement and enforce laws inorder to regulate the industry surrounding relationships between lenders and borrowers.You might look at these as demonstrations of the efforts of congress to protect the weakfrom the strong – to tamper with the law of the survival of the fittest (SOF). We can lookat this regulation as a blessing and a curse. From the blessing view, it protects theunskilled borrowers from the intelligent, determined, and avaricious lenders. From thecurse view, it has converted people who would otherwise save up money to buy whatthey want into debtor-consumers who buy stuff they generally don’t need with moneythey don’t have, and become slaves as a result.But at least it keeps the very smart from actually physically slapping their victims(consumers) into chains and beating them with whips in order to keep the fruits of theirlabors as in the old plantation days. Now we have a much more civilized form ofslavery – it is voluntary, so it doesn’t violate the 13th amendment, and it is effectivebecause most debtors hand over half or more of their net earnings to creditorslave-masters. The slave-masters provide campaign finance money to elected officials,
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and so the laws favor the slave-masters.Congress and the Federal Reserve work assiduously to make America an irreversibledebtor society. First, it practices monstrous deficit spending and waste of money soeventually it will become impossible to pay the service on the national debt, let alone thedebt itself. This deficit spending creates inflation that destroys the value of savings(think of it as a savings tax companion to abusive income tax), so it discourages saving.It also makes it seem more profitable to go into debt because as the debt goes on fordecades, money becomes worth less and a fixed-interest debt becomes easier to pay asthe borrower receives cost of living increases from the employer.And, as I pointed out last week big investors have bought up tens of thousands offoreclosed-mortgage houses, intending to fix them up and rent them out, and then tosecuritize the rental income to make even more profits. Banks participating in thisscheme also participated in the widespread predatory lending that started a decade ago,and continues through abusive loan modification schemes. You see, they figured out away to steal home ownership from the people, and turn the bulk of the homeowners intorenters with no assets that will appreciate if and when the economy turns around. Then,they will drive renters further into poverty with rising rents.Ignoring this horrifying portent, and as a pretense of fairness and empathy, Congress hasmandated that government provide means whereby slaves (debt consumers) cancomplain against abusive lenders and their abusive agents, including third party debtcollectors. Some states have made it quite easy for creditors to snatch the collateral forloans by allowing a public trustee to mandate foreclosure of a loan in default by theborrower, without requiring court action. Others require a lawsuit to foreclose. Butvirtually all efforts to foreclose defaulted loans go through to completion.In other words, it is quite stupid for the slaves to try to defend against foreclosure oftheir defaulted loans because they always lose.Nevertheless, lenders, their agents, and debt collectors often do abusive things toborrowers in the lending and debt collection process. Myriad unresolved complaintsabout this have reached Congress. So Congress ordered agencies to make it easy forcomplainers to complain and harder for complainees to ignore the complaints. Congressthinks it’s just fine to make people into voluntary slaves, but the slave-masters and theiragents must do it properly. Congress also knows, of course, that very few victims oflender/collector abuse will complain properly and follow through on it. Unlike most ofthem, I happen to know that lenders or their agents cheated 9 out of 10 mortgageborrowers, and unlike most of them, I also know how. So I know generally what to
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complain about. Most mortgage borrowers don’t, unfortunately.Here I have listed some of the main agencies who offer help to distressed borrowers:
U.S. Department of Housing and Urban DevelopmentHere I have listed some specific sites and documents people with mortgages shouldstudy and use to lodge complaints and demand solutions. encourage all readers to eliminate their slave-hood status by becoming debt-free anddiversifying investments to include targets like precious metals and mines that becomemore valuable in times of financial crisis.Until you become debt free… if you have a mortgage and you want to know how todiscover the myriad ways lenders and their agents cheated you, drop me a line throughmy email link below, or pick up the phone and call.
2460 Persian Drive #70Clearwater, FL 33763Email; Call: (727) 669-5511Law Studies:DonateSubscribeLearn to Litigate withJurisdictionary
 Distribute this document to media, mailing lists, lawyers, and mortgage victims across America

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