4 Steps of Foreclosure Fraud – HJR 192 Makes It Impossible to Pay Off Debt

Current Events, Freemasonry/Illuminati, N W O, Vatican 6 Comments

Every foreclosure involves criminal acts by the bank.  They count on our lack of knowledge and our lack of action in their assault upon our liberties.  As far back as 1933 HJR 192 made it impossible for any of us to pay off a debt. 

Banks do not have money to loan.  Our promise to pay is what banks count on, it's what they bank on.  Our signature on the Mortgage Note triggers secret banking activity that pays off the bank note.  At closing " studied concealment, "  and  " misrepresentation, " of the law banks are perpetrating fraud against us. 

Loma Wharton
Mon Sept 20, 2010
Subject: Studied Concealment – Fraud Deceit Trickery Cheating by Mortgage Lenders


Where’s the Note? The shakedown by Umpqua bank, part 1


September 18, 2010

Fraud:   a) deceit; trickery; cheating   b) Law intentional deception to cause a person to give up property or some lawful right.

I am sure by now, all of us know someone or have had first-hand experience with the criminal act of foreclosure.  I say criminal act because after researching the subject thoroughly, there is no other way to honestly explain the foreclosure epidemic.  A few months ago, I wrote an article  highlighting the actions Liberators11.org have taken against our beloved criminal rogue government.  Well now, Co-chair of the Liberators, Loma Wharton, has concrete documentation that Umpqua bank is indeed involved in fraud.  While going through the extremely stressful process of being foreclosed on, Loma decided to take action by documenting and challenging the felonious process.

Let us start with the promissory note.  The promissory note is the contract that one party (the maker or issuer, Loma) made with another party (the payee, Umpqua Bank) under specific terms.  However, it has become a re-occurring theme or practice for this fraudulent fractional banking system to breech these two party contracts (promissory notes) by selling the notes on the market without knowledge of or consent by the issuer.  So, Loma formally requested to see her original blue ink note and when she and two witnesses, David Jaques and Rae Copitka, met with Umpqua Banks loss mitigation specialist and Vice President, what was presented for inspection was a color copy of the alleged promissory note, absent the mortgage instrument.  When Loma asked where the mortgage instrument was, David Clardy (VP) stated several times during the course of the meeting that the mortgage instrument had been sold to Federal Home Loan Mortgage Corporation (breech of contract).

At this point I would like to stress the fact that the banks actually do not have any money to loan and they never had.  So, who loaned the money and where did it come from?  In 1933, House Joint Resolution 192 made it impossible to pay debt.  So what we think is money, is actually debt or a promise to pay made by the United States.  If you were to take a “Federal Reserve Note” with a value of five dollars and wanted to buy something, you would be making a purchase with a “Note” (promise to pay).  It is not backed by anything, no gold or silver backing the federal reserve “note” that we call money.  ”At the closing table, to complete the transaction to purchase your home, aren’t you tendering a “Note” with your signature, which would be considered money?  Notes are money in the monetary system!  So when you tender the “Note” at the closing, why aren’t you informed that your home is paid for at that moment? In all actuality, it is paid for. Your signature on a “Note” makes that “Note” money in the amount stated on the “Note.” (WHERE DOES THE FRAUD BEGIN)

Through studied concealment and misrepresentation of the law, the biggest hoodwink in the history of the world has been perpetrated upon the American people.  This fraud has been allowed to go on for far too long.  Loma is taking the necessary steps to expose this racket and to free the American people from the bondage of the banks.  In part 2 of this series I will chronicle Loma’s efforts to effect a remedy and further expound upon the lawful remedy contained in the links below.  Until then, these links have all of the information that you need to take action now.




Related Articles:

Foreclosure – An Act of Fraud by the Banks

Foreclosure Bank Fraud – 60 Minutes Finally Blows the Whistle

Foreclosure Fraud – Homestead Declaration – Bjorn Rafto

Ron Paul Most Popular – Main Press Panic 2012

Gold Swaps – Gold is Back – Is R A P Working?

Foreclosure Fraud – Banks Offer No Consideration – 1969 Wins



Read the "About RJ" page for more information.


  1. Anita Martin November 13, 2011 at 2:07 PM

    Thanks for the information. It will help me with the foreclosure issue that I am being faced with now. I knew the banks were wrong. I just didn’t know how to approach the situation.

    • mike bheem December 18, 2011 at 12:28 PM

      Hello my home is be foreclosure can you pleas help me stop it from being foreclosure.can you directed me to the right people to help to foreclose.thank you

      • RJ December 19, 2011 at 1:20 AM

        Make sure you reach out to corpusjuristruth@hotmail.com She is one of the best people at helping people with foreclosures.

        You may be able to reach her by phone at 248-955-8282

        At the seminar in California I met this lady. She helps people with foreclosures often.

        • Lynn March 27, 2014 at 9:12 AM

          RJ, Do you know what this woman’s name is?

          • RJ March 27, 2014 at 2:21 PM

            Off hand, I do not know the name.  On the radio and from my website I have met and questioned thousands of people.  I appreciate the sound researchers who share their intel with me and you in articles for MorningLiberty.com   A friend of mine went to prison and he didn;t become a better criminial, he continued to love on his fellow inmates, not in some sexual way but by letting all of them/us know that God has not forgotten nor forsaken any one of us.  Be Free was a phrase that fell from my friend’s lips often.  Happiness is a choice is one that has fallen from my lips for many years.  One of my radio listeners changed my life with 1 message on a 3 by 5 card, left at the front desk of K-Talk Radio for me – One Man With God is a Majority.  We don’t need some teleprompter to inform us how much America is in need of new Founding Fathers and new Founding Mothers.  It’s not about political group or nationality.  It’s about wht power has placed in our heart.  Be Free…  RJ Hender

  2. Bill March 13, 2013 at 3:41 AM

    How do I go about purchasing a home? This is going to be my very first time doing this, and I want to make sure that I do the right thing. What steps do I need to take? Who do I speak with? I have been dealing with homeless issues for the past 22 years now. Thank you.


Leave a comment

Back to Top