From Black Wall Street
Disproportionally impacted or targeted systematically?
Trust & Estate Law 105
Estate Law & The Feudal System (Mortgage Fraud) Trust Law 104
18 U.S. Code § 2331. Definitions. 10
Alldoial Title and the Constitution. 12
Mortgage Writ of Discovery. 13
United States Supreme Court 19
CRAIG v. STATE OF MISSOURI (1830) 19
Argued: Decided: January 1, 1830. 19
United States Supreme Court 22
DON E. WILLIAMS CO. v. COMMISSIONER (1977) 22
Argued: December 8, 1976Decided: February 22, 1977. 22
First National Bank of Montgomery vs. Jerome Daly. 23
First National Bank of Montgomery, Plaintiff vs Jerome Daly, Defendant 24
16 Am Jur 2d, Sec 177 late 2d, Sec 256. 26
This booklet will be put into the most colloquial way possible for easy comprehension. This booklet will be written etymologically-sound to the best of my ability and the words used will be true to their definitive definition.
1. A Mortgage, as defined in Henry Campbell Black’s Law dictionary is merely a lien and does not create title to an estate. Easily put, if you get a mortgage, this does not mean you own the home. The same stands true to the deed of trust, this also does not mean you own the estate. The word deed simply means action and a trust is an abstract noun, being an idea, is placed on paper, as the mortgage and promissory note, which is to remain private, is supposed to be reflected in the “Deed of Trust” to ensure private information is not revealed to the public. Of course, just because things should be a certain way, doesn’t mean people will do it the correct way. These reigns true in the fact that you and others, have the right to contract. So, if you wish to do it “incorrectly” or pursuant to feudal law, you are well within your right. Just as if you were contracting pursuant to common-law or constitutional law you would be well within your right: i.e. slavery is a choice. As stated in the Holy Books – “To you your way and to me mine.”
Christian Black Codes of 1724 - Article 22: We declare that slaves have no right to any kind of property but that all that they acquire either by their own industry, or by the ability of others, or by any other means or title whatever shall be the full property of their masters; and the children of said slaves, their fathers, mothers, their kindred or other relation either free or slave shall have no pretensions or claim thereto, either through testamentary nor positions or donations inter vivace; which dispositions and donations we declare null and void, and also whatever promise they may have interred into by persons incapable of disposing of anything and or participating to any contract.
MORTGAGE. An estate created by a conveyance absolute in its form, but intended to secure the performance of some act, such as the payment of money, and the like, by the grantor or some other person, and to become void if the act is performed agreeably to the terms prescribed at the time of making such conveyance. 1 Washb.Real Prop. *475. A conditional conveyance of land. Mitchell v. Burnham, 44 Me. 299. A transfer of property passing conditionally as security for debt. Potter v. Vernon, 129 Okl. 251, 264 P. 611, 613. A debt by specialty, secured by a pledge of lands, of which the legal ownership is vested in the creditor, but of which, in equity, the debtor and those claiming under him remain the actual owners, until debarred by judicial sentence or their own laches, Coote, Mortg. 1. The foregoing definitions are applicable to the common-law conception of a mortgage. But in many states in modern times, it is regarded as a mere lien, and not as creating a title or estate. Zeigler v. Sawyer, Tex.Civ.App., 16 S.W.2d 894, 896. It is a pledge or security of particular property for the payment of a debt or the performance of some other obligation, whatever form the transaction may take, but is not now regarded as a conveyance in effect, though it may be cast in the form of a conveyance. Muth v. Goddard, 28 Mont. 237, 72 P. 621, 98 Am.St.Rep. 553; Johnson v. Robinson, 68 Tex. 399, 4 S.W. 625; Killebrew v. Hines, 104 N.C. 182, 10 S.E. 159, 17 Am.St.Rep. 672; Stockel v. Elich, 297 P. 595, 597, 112 Cal.App. 588; In re Morgan, D.C.N.J., 39 F.2d 489, 490. Chattel mortgage. A mortgage of goods, chattels, or personal property
2. A promissory note is exactly what it sounds like. It’s a promise, written down, thus, in the form of a note, like when you pass notes in high-school. This is where the 4-corner rule comes into play. As opposed to filing a claim in court based on a verbal promise, which, without video or audio evidence would be difficulty to prove. It becomes easier for everyone to just write things down. This written expression of thought is also where we get the phrase “expressed trust.” It is just that simple.
3. 4 Corner Rule, simply means, any civil litigation based on contracts will not be based on what litigants say about the contractual agreement, as far as terms and conditions. But solely and strictly based on the written agreement (law) of the contract itself, this is based in equity. Of course, with other pre-imposed conditions. Such as full-disclosure, honor, mental status, equal valuable exchange and consent, et alia.
4. The word mortgage, etymologically, means dead pledge.
5. The mortgage is merely a lien on the house. Which the mortgage contract / promissory note, states that, if the amount allegedly loaned is not paid in full, based on a default, then the house is taken as collateral. Thus, the home is the collateral interest in the mortgage contract.
6. All mortgages are liner-contracts.
7. The alleged loaning agency (creditor) never loaned you anything of actual value, which makes the entire deed (action) void ab initio. But, since credit is an abstract noun (not physical), and you agreed that they are the creditor and not the lender, they contractually don’t have to give you anything. Since you do not challenge this via an adverse claim and agree via your ignorant (tacit) compliance (acquiescence) and trust that these people are going to be honest with you simply because they have a suit and a smile on their face. You become their Chattel by consent, agreement, and your own ignorant free-will.
Ignorant – Late 14th century., “lacking wisdom or knowledge; unaware.” From Old French (14th Century) ignorant, from Latin ignorantem (nominative /pertaining to - ignorans) “not knowing,” “not to know, to be unacquainted, mistake, misunderstood; take no notice of, pay no attention to.”
Trust Law 101
In ‘Divine law’, ‘Trust law’ & the laws that govern ‘Wills’ and ‘Heritability’, when any individual or group of individuals are not in the Honor of their Mothers and Fathers they then have no right to inheritance, and thus are non-descendible. For example; If I am William P Baker (Grantor), and in my ‘Will’, I leave all my assets, etcetera to my Son Paul B Baker (Beneficiary), if my son Paul is mentally incompetent (unable to inherit), then those assets will be placed in a trust, to be administered by his mother (Trustee) or any other person designated as a trustee, until he either becomes of age (if he is a minor) or becomes mentally competent to manage the assets, which he can either remain a beneficiary or assume the position of trustee and administer the trust for the benefit of his prosperity. If Paul does not recognize his connection (Blood line) to me, his father, and a trust is not established designating a trustee to administer it, then the course of descent is thereby interrupted and all assets revert to ‘the State’ whereas the principles of escheating get invoked whereby the estate becomes abandoned for a lack of an heir competent enough to inherit or make claim thereto. By not recognizing his blood connection and his inheritance, Paul has abandoned his estate. But, if Paul has a child and that child recognizes his connection to me, the grandfather, and can prove that connection as well as prove mental competence, then the inheritance must be returned to him via ‘Reversion’. CHEATERS, or ESCHEATORS, “a cheater came to signify a fraudulent person, and thence the verb to cheat was derived. Wharton.” “In feudal law. Escheat Is an obstruction of the course of descent, and consequent determination of the tenure, by some unforeseen contingency, in which case the land naturally results back, by a kind of reversion, to the original grantor, or lord of the fee.” “In American law. Escheat signifies a reversion of property to the state in consequence of a want of any individual competent to inherit. The state is deemed to occupy the place and hold the rights of the feudal lord.” "Escheat at feudal law was the right of the lord of a fee to re-enter upon the same when it became vacant by the extinction of the blood of the tenant. The word 'escheat,' in this country, at the present time, merely indicates the preferable right of the state to an estate left vacant, and without there being any one in existence able to make claim thereto." Escheating is what all Mortgages are rooted in. Before we get into Escheating, I need to mention that whenever anyone agrees to enter into a Mortgage, the ‘Borrower’ is always listed as a ‘Tenant’ and never the ‘Owner’. CONVERSION. Equity. The exchange of property from real to personal or from personal to real, which takes place under some circumstances in the consideration of the law, such as, to give effect to directions in a will or settlement, or to stipulations in a contract, although no such change has actually taken place: and by which exchange the property so dealt with becomes invested with the properties and attributes of that into which it is supposed to have been converted; Although it is sometimes necessary for certain purposes of devolution and transfer to regard the property in its changed condition as though the change has not absolutely taken place;
Trust Law 102
If you’ve been following along with my lectures and purchasing my literature, you already know that a Mortgage does not mean you are the owner of a home. The only way to own property is via an Allodial Title: dealing with the right of ‘Reversion’, ‘Adverse Possession’, the creation of a ‘Family (tribal) Trust’, the education of your Heirs and the people around you to form a Jural Society to protect your assets and estate (Social Security / Nationhood).
During this lecture we will be going over the following:
i What is a ‘Security’?
ii What is a ‘Bond’?
iii What is ‘Insurance’?
iv What is ‘Assurance’?
v What is ‘Liability’?
vi What is ‘Limited Liability’?
vii How to Securitize your Estate & Assets
viii How to create your own Allodial Home Owners Insurance
ix What a true Creditor is
As a preliminary, it is important to, yet again, go over the fact that Federal Reserve Notes are not money. The only international, lawful, allodial, and constitutional money is Gold Coin or its Silver equivalent (or any precious metals).
Once the American nationals and other American citizens alike fully grasp the gnosis that FRN’s are Private Commercial Paper printed by the Corporate United States Treasury Department, a De Facto Government agency, for the Private Federal Reserve Bank to take complete control of the market like we see today. We will be in a better position with the knowledge that we can do the same within our Moorish nation. (most if not all business on North American Soil, registered with the United States or individual Corporate States agree to only accept FRN’s, which creates a monopoly over the market, trade and industry. Which is a direct violation of Article 1 section 8 and Section 10 of the Constitution- no obligations shall be placed on contracts and only gold and silver may be used to pay off a debt, Article 17 of the Treaty of Peace and Friendship of 1787 and Article 20 of the United Nations Declaration on Human rights). As stated by the Patriot and Prophet of the Moorish nation: We Moors must maintain a grand treasurer, just as in the days of our forefathers; then you are a nationuntil then, you are nothing. - THINK THIS OVER, YOU MOORS by: El Hajj Sharif Abdul Ali
Mortgage Fraud - how to stop a foreclosure: Bey v. Oldfield
For educational purposes only. Thise is what I did, accepting all the risks of my own decision. this is not legal advice. Our home that we lived in since 1999, is still in my parents' possession (2023).
Trust Law 103 - Probate Court
How to download your product immediately after purchase
The reason we must establish a living trust expressing our will, is to avoid Probate Court.
Probate court deals with the validation of wills, but again, it is a ploy and enforcement of article 22 of the Christian Black Codes of 1724, whereby they divide our estate and tax the heirs out of their inheritance. There is no reason for them to act as a 3rd party to our affairs (Masters authority over their Slaves). Once we establish a trust and our will is expressed then it is ‘written’. Meaning, it is the law and the last order given to the heirs by the trustee or grantor for the next successor viz there is nothing to verify or validate.
Probate court, sometimes called a surrogate court, is a court that has jurisdiction via the birth certificate, 14th Amendment, and the people’s belief in their color of law contracts and transmitting utilities, as well as the people’s ignorance and status, to deal with matters of probate and the administration of estates; with reference to escheat. In some jurisdictions, such courts may be referred to as Orphans' Courts, or courts of ordinary. In some jurisdictions probate court functions are performed by a chancery court or another court of equity, or as a part or division of another court. All of which are guised as assisting people with the validation of wills etc. and often times result in the rightful heirs apparent being taxed out of their property by the European administers because we don’t know law; nor do we assert our right of claim to our land.
Probate courts chicanery (the use of trickery to achieve a political, financial, or legal purpose) administer the distribution of the assets of a decedent (one who has died), adjudicates the validity of wills, enforces the provisions of a valid will (by issuing the grant of probate), prevents malfeasance by executors and administrators of estates, and provides for the equitable distribution of the assets of persons who die intestate (without a valid will), such as by granting a grant of administration giving judicial approval to the personal representative to administer matters of the estate. A surrogate is a substitute, especially a person deputizing for another in a specific role or office when said person is incapable of disposing of anything or participating in any contracts i.e. mentally incompetent.
Article 22 We declare that slaves have no right to any kind of property but that all that they acquire either by their own industry, or by the ability of others, or by any other means or title whatever shall be the full property of their masters; and the children of said slaves, their fathers, mothers, their kindred or other relation either free or slave shall have no pretensions or claim thereto, either through testamentary nor positions or donations inter vivace; which dispositions and donations we declare null and void, and also whatever promise they may have interred into by persons incapable of disposing of anything and or participating to any contract.
The Birth Certificate / Berth Certificate, is, a creation of a thing and that thing is given the ALL CAPITAL LETTERS NAME a STRAW-MAN / Artificial Person, being a homonym, that looks and sounds like our name, but is not. Considering another human cannot transact business in another man’s name and be honorable, the all capital letter name, as an example, JOHN DOE, is distinguished from John Doe. European family names, otherwise known at law as “Christian names,” have been placed on us to keep us in dishonor and to convert all the wealth we generate within that name, over to their family trust.
The root word of ‘Birth’ is from PIE *bhrto past participle of root *bher- (1) "to carry; Old English beran "to carry, bring; bring forth, give birth to, produce; to endure without resistance; to support, hold up, sustain; to wear". In reference to maritime law: It is in reference to vessels or ships docking, anchoring or mooring to a port for rest, maintenance, on and offload etc. When the ship or vessel docks, it is given a certificate of berthing, logging in the date, time, arrival, parentage (from whence it came) and the name of the ship, as well as the Capitan or principal agent of the ship. This information is gathered in order to later (bond) collect a docking fee (debt) from the ships Capitan (debtor) and its crew for the compensation of being allowed to dock their ship at the owner or Bey’s port (creditor). This same rule is applied to the attaching of a debt (bond / Berth Certificate to an infant when the Spirits-Vessel (Physical body) is passing though the mother’s water and enters the hands (port) of the Dock-tor. The baby’s anchor is its placenta, attached to its nav-el (navigating (like a ship) El (God)). That placenta is then dropped in the Dock-tors ‘ports’, this, an alleged debt is owed by said baby. Thus, that child would never be able to buy anything, nor sell anything unless they have the name attached to that Berth Certificate or the number associated with that name called a Social-Security-Number: - King James Bible Book of Rev.12:
Mortgage Fraud Video (Educational Purposes Only)
1. in a manner that is so delicate or precise as to be difficult to analyze or describe.
2. In a clever and indirect way, in order to achieve something.
Disproportionate Impact means that groups of people who share a protected characteristic may be significantly more affected by a change than other people. Protected characteristics are specific aspects of a person's identity as defined by the Equality Act 2010. The 'protection' refers to protection from discrimination.
Disproportionate Impact means that the percentage of the insured population in one or more enumerated subcategory differs significantly from the percentage of premium that is to be paid by persons in that subcategory as a result of the use of credit reports or credit scores in underwriting or rating. A statistically validated test of the significance of the differences in premium percentage versus population percentage shall be submitted. If the probability that the differences shown is due to chanceis 10% or less then the proposed use of credit reports or scores will have been shown to have a disproportionate impact with respect to that class of persons.
My research into mortgages show a pretty ugly picture. Most of the reconstruction era, including the act of Congress of 1871 and the Ku Klux Klan act of 1870, go hand-in-hand with the creation and establishment of mortgages.
In previous writings I show court records of the United States Supreme Court acknowledging that the Ku Klux Klan would ravage black communities simply because they were black; the Klan would murder black Republicans, white Republicans and white abolitionists. I’ve also shown newspaper articles from the daily register discussing the democratic partie's coup within the United States government, and how many Democrats were concerned with the fact that blacks comprise the majority of Republicans in the south. They were concerned that blacks would end up with majority congressional control. I review some of this information in this video (around 20 minutes)
Central Park is not a unique situation. Many black communities were destroyed and in its place a park was built; a lake was built; highways were built; and often times, a combination of these things, along with the government’s direct participation and enforcement of eminent domain.
This left people displaced, and in the name of desegregation and in the name of fair housing, Europeans were funded by the federal government to build housing complexes which we call today, the projects, hoods, ghettos, and housing.
These were to serve as a holding ground to “temporarily” house the Black people that were displaced by highways, parks, lakes, and fair housing being built. Keep in mind that none of this happened overnight. All of this was a strategic plan and it took several years to come to fruition.
Once the blacks were forced into housing and as a result of a fake market crash, therein lay the emergence of mortgages. Mortgages are used to put blacks into slavery, but by a different name: Peonage. It doubles are to keep blacks exactly where they are by impending upward social mobility.
There are several, independent research studies that show that blacks have always been and still are disproportionately impacted when it comes to homeownership. This is because blacks are charged higher interest rates than so-called whites. This keeps people where they are economically. These systems are maintained under the guise of capitalism, the illusion of fairness, the illusion of color blindness, the illusion of disproportionally impacted and not targeted.
All of this is done for the purpose of Demographic engineering. This effects political power. An example of this is found in political districts and often has major impacts at the municipal level. I have personally seen how there are certain wards that “just so happen to divide a black community.” This results in a lack of black majority votes to place a member of the black community as a councilmen or woman within city hall. It’s nothing but imaginary and could be changed of both segments of the black community demanded change by demanding to be considered their own ward. Through this unity, they can elect one of their own to speak for them.
The Ku Klux Klan and the Democratic Party
Take, for example, the Hamburg Massacre of 1876. There, a white citizen militia sought out and murdered a troop of black militiamen for no other reason than that they had dared to conduct a celebratory Fourth of July parade through their mostly black town. The white militia commander, “Pitchfork” Ben Tillman, later described this massacre with pride: “[T]he leading white men of Edgefield” had decided “to seize the first opportunity that the negroes might offer them to provoke a riot and teach the negroes a lesson by having the whites demonstrate their superiority by killing as many of them as was justifiable.” S. Kantrowitz, Ben Tillman & the Reconstruction of White Supremacy 67 (2000) (ellipsis, brackets, and internal quotation marks omitted). None of the perpetrators of the Hamburg murders was ever brought to justice.[Footnote 22] Organized terrorism like that perpetuated by Tillman and his cohorts proliferated in the absence of federal enforcement of constitutional rights. Militias such as the Ku Klux Klan, the Knights of the White Camellia, the White Brotherhood, the Pale Faces, and the ’76 Association spread terror among blacks and white Republicans by breaking up Republican meetings, threatening political leaders, and whipping black militiamen. Era of Reconstruction, 199–200; Curtis 156. These groups raped, murdered, lynched, and robbed as a means of intimidating, and instilling pervasive fear in, those whom they despised. A. Trelease, White Terror: The Ku Klux Klan Conspiracy and Southern Reconstruction 28–46 (1995)
A 'Forgotten History' Of How The U.S. Government Segregated America. May 3, 2017
In 1933, faced with a housing shortage, the federal government began a program explicitly designed to increase — and segregate — America's housing stock. Author Richard Rothstein says the housing programs begun under the New Deal were tantamount to a "state-sponsored system of segregation."
The government's efforts were "primarily designed to provide housing to white, middle-class, lower-middle-class families," he says. African-Americans and other people of color were left out of the new suburban communities — and pushed instead into urban housing projects.
Rothstein's new book, The Color of Law, examines the local, state and federal housing policies that mandated segregation. He notes that the Federal Housing Administration, which was established in 1934, furthered the segregation efforts by refusing to insure mortgages in and near African-American neighborhoods — a policy known as "redlining." At the same time, the FHA was subsidizing builders who were mass-producing entire subdivisions for whites — with the requirement that none of the homes be sold to African-Americans.
On how the Federal Housing Administration justified discrimination
The Federal Housing Administration's justification was that if African-Americans bought homes in these suburbs, or even if they bought homes near these suburbs, the property values of the homes they were insuring, the white homes they were insuring, would decline. And therefore their loans would be at risk.
On how federal agencies used redlining to segregate African-Americans
The term "redlining" ... comes from the development by the New Deal, by the federal government of maps of every metropolitan area in the country. And those maps were color-coded by first the Home Owners Loan Corp. and then the Federal Housing Administration and then adopted by the Veterans Administration, and these color codes were designed to indicate where it was safe to insure mortgages. And anywhere where African-Americans lived, anywhere where African-Americans lived nearby were colored red to indicate to appraisers that these neighborhoods were too risky to insure mortgages.
On the long-term effects of African-Americans being prohibited from buying homes in suburbs and building equity
Today African-American incomes on average are about 60 percent of average white incomes. But African-American wealth is about 5 percent of white wealth. Most middle-class families in this country gain their wealth from the equity they have in their homes. So this enormous difference between a 60 percent income ratio and a 5 percent wealth ratio is almost entirely attributable to federal housing policy implemented through the 20th century.
African-American families that were prohibited from buying homes in the suburbs in the 1940s and '50s and even into the '60s, by the Federal Housing Administration, gained none of the equity appreciation that whites gained. So ... the Daly City development south of San Francisco or Levittown or any of the others in between across the country, those homes in the late 1940s and 1950s sold for about twice national median income. They were affordable to working-class families with an FHA or VA mortgage. African-Americans were equally able to afford those homes as whites but were prohibited from buying them.
On how housing projects went from being for white middle- and lower-middle-class families to being predominantly black and poor
Public housing began in this country for civilians during the New Deal and it was an attempt to address a housing shortage; it wasn't a welfare program for poor people. During the Depression, no housing construction was going on. Middle-class families, working-class families were losing their homes during the Depression when they became unemployed and so there were many unemployed middle-class, working-class white families and this was the constituency that the federal government was most interested in. And so the federal government began a program of building public housing for whites only in cities across the country. The liberal instinct of some Roosevelt administration officials led them to build some projects for African-Americans as well, but they were always separate projects; they were not integrated. ...
The white projects had large numbers of vacancies; black projects had long waiting lists. Eventually it became so conspicuous that the public housing authorities in the federal government opened up the white-designated projects to African-Americans, and they filled with African-Americans. At the same time, industry was leaving the cities, African-Americans were becoming poorer in those areas, the projects became projects for poor people, not for working-class people. They became subsidized, they hadn't been subsidized before. ... And so they became vertical slums that we came to associate with public housing. ... The vacancies in the white projects were created primarily by the Federal Housing Administration program to suburbanize America, and the Federal Housing Administration subsidized mass production builders to create subdivisions that were "white-only" and they subsidized the families who were living in the white housing projects as well as whites who were living elsewhere in the central city to move out of the central cities and into these white-only suburbs. So it was the Federal Housing Administration that depopulated public housing of white families, while the public housing authorities were charged with the responsibility of housing African-Americans who were increasingly too poor to pay the full cost of their rent.
How Interstate Highways Gutted Communities—and Reinforced Segregation
The Civil Rights Implications of Eminent Domain Abuse
Before Central Park: The Story of Seneca Village
JAN 18, 2018
By The Central Park Conservancy
Nearly 200 years ago, Central Park’s landscape near the West 85th Street entrance was home to Seneca Village, a community of predominately free African-American property owners.
A THRIVING AFRICAN-AMERICAN COMMUNITY
For African-Americans, Seneca Village offered the opportunity to live in an autonomous community far from the densely populated downtown. Despite New York State’s abolition of slavery in 1827, discrimination was still prevalent throughout New York City, and severely limited the lives of African-Americans. Seneca Village’s remote location likely provided a refuge from this climate. It also would have provided an escape from the unhealthy and crowded conditions of the City, and access to more space both inside and outside the home.
Compared to other African-Americans living in New York, residents of Seneca Village seem to have been more stable and prosperous—by 1855, approximately half of them owned their own homes. With property ownership came other rights not commonly held by African-Americans in the City—namely, the right to vote.
THE CREATION OF CENTRAL PARK
During the early 1850s, the City began planning for a large municipal park to counter unhealthful urban conditions and provide space for recreation. In 1853, the New York State Legislature enacted a law that set aside 775 acres of land in Manhattan—from 59th to 106th Streets, between Fifth and Eighth Avenues—to create the country’s first major landscaped public park.
The City acquired the land through eminent domain, the law that allows the government to take private land for public use with compensation paid to the landowner. This was a common practice in the 19th century, and had been used to build Manhattan’s grid of streets decades earlier. There were roughly 1,600 inhabitants displaced throughout the area. Although landowners were compensated, many argued that their land was undervalued. Ultimately, all residents had to leave by the end of 1857.