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TOP SECRETBANKER'S M A N U A L .FORBANKERSONLY.This manual is designed forBank Presidents and Vice presidents only.Do not allow lower level bank employees to review.TOPICSSECRET L O A N A G R E E M E N T .COURT A N D U C C SECRETS.HOW B A N K E R S C A N Q U I C K L Y D O U B L E I N V E S T M E N TMONEY.M E T H O D S FOR C O N T R O L L I N G T H E M E D I A , POLITICIANSA N D JUDGES.
Message to Bankers, Politiciansand Law EnforcementIf any threats are made to M r . Schauf or laws passed to attempt to stopM r . Schauf—we have a legal plan. We have a plan to checkmate the bankers no matter what strategy is used to stop M r . Schauf. M r . Schauf hasplaced critical information in the hands of others that w i l l be released, enmass, if bankers/politicians take certain actions. M r . Schauf w i l l act in alegal manner act decisively—swiftly in a way that no banker w i l l want tohappen. If M r . Schauf has problems he w i l l presume it came from bankers and legal action w i l l be taken. M r . Schauf suggests that the b a n k e r smake certain that M r . Schauf remains very happy.Bankers may approach M r . Schauf with a settlement offer. If Bankers tryand go to a national ID/computer chip implant, use terrorism to forcetheir hand, make threats against M r . Schauf or use other methods-Mr.Schauf has a plan to legally checkmate these attempts and w i n against thebankers. M r . Schauf believes that he was called by G o d to lead the nationout of Debt Bondage and M r . Schauf fears G o d more than M a n .M r . Schauf assures a l l Americans that every contingency has been considered, along with our response. W E W I L L N O T F A I L . G o d i s with u sand no man can stop G o d .My goal is to inform every American to the truth so they can then vote mein as president so I can correct the banking problem and return their rightsand freedoms.
ut the Author15About the Manual—Its Purpose16Chapter 1—Warning17Chapter 2—Court Strategy22C P A Banking Report b y T H O M A S S C H A U F , C P A34Chapter 3—Additional Laws & Strategies48Chapter 4—What Bankers Fear51Chapter 5—Notices55Chapter 6—Two K i n d s of M o n e y58Chapter 7—Credit Cards61Chapter 8—Credit Card Bookkeeping Entries65Chapter 9—Debt Collectors67Chapter 1 0 — D o u b l i n g Money69Chapter 11—Changing the System72Chapter 12—Ultimate Fear of Bankers73Chapter 13—The Threat to the Economy75Chapter 14—Title 12 U . S . C . , The Banking L a w78Chapter 15—Auditors and Attorneys80Chapter 16—Introduction to Preliminary Judicial Procedures. 83Chapter 17—The B i b l e and Today's Banking90Summary97Appendix102Suggested Court Admissions103S T R A T E G Y OF NOTICES106NOTICE OF ADEQUATE ASSURANCE OFDUE PERFORMANCE110A F F I D A V I T of I. Ben Robbed112A F F I D A V I T [Bank]114A F F I D A V I T [Credit Union] . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 116N O T I C E and D E M A N D118NOTICE OF A L L E G E D L O A N DISPUTE128NOTICE OF H O L D E R IN D U E C O U R S E STATUS134NOTICE FOR REQUEST OF CONFIRMATION[1]138NOTICE FOR REQUEST OF CONFIRMATION[2]140NOTICE OF B R E A C H OF A G R E E M E N T142N O T I C E and D E M A N D F O R F U L L D I S C L O S U R E145P R O O F O F M A I L I N G and C E R T I F I C A T E o f S E R V I C E148Acts, Statutes, Regulations, TermsExcerpts from Tom's first bookRev. 09/12/03150154
DISCLAIMERPeople reselling the T o p Secret Banker's M a n u a l and books oneand two may offer consulting services and/or other products.Please be aware that T o m Schauf has no partners and that anyone you contract with for consultations or other services is acting as an independent agent. T o m Schauf has no control overwhat other people offer you as consultations, comments, advice, information or products. T o m Schauf is not liable for whatthese others may offer or the results thereof.T h i s manual is for educational purposes only and not legal advice. T o m Schauf is educating y o u so you might vote h i m in aspresident to correct the problems.
ForewordIn the foreword to Tom's second book. The American Voters V s . The Banking System. T o m says, "I k n o w G o d called me to get the banking message out to the nation. I do not claim to do this from my power but ratherfrom the authority, power and provision of G o d ' s anointing in my l i f e . "Since M a r c h of 1998, I began reading T o m ' s books and listening to hisaudio tapes, and frequently heard T o m on shortwave radio as I tried toget alternative news about what is really g o i n g on in this country. Afterconfirming T o m ' s information by my o w n research, and participating inTom's weekly conference calls, it became apparent that it was time forme to take an active part in assisting T o m in his calling.In a recent phone c a l l with T o m , he wondered w h y he had been missingsome important financial exchanges in his most recent venture. He realized that G o d wanted this M a n u a l completed first! It appears to me thatG o d is ready N O W to begin the fulfillment of the V i s i o n described inHabakkuk 2:Then the L o r d answered me and said. "Record the vision,and inscribe it on tablets, that the one who reads it mayrun. F o r it is yet for the appointed time; it hastens towardthe goal, and it will not fail. Though it tarries, wait for it;for it will certainly come, it will not delay.Behold the proud one, his soul is not right within him.Will not all of these take up a taunt-song against him, evenmockery and insinuations against him, and say, 'Woe to himwho increases what is not h i s — f o r how l o n g — a n d makeshimself rich with loans? Will not your creditors rise up suddenly, and those who collect from you awaken? Indeed, youwill become plunder for them. Because you have lootedmany nations, all the remainder [remnant] of the peopleswill loot you—because of human bloodshed and violencedone to the land, to the town and all its inhabitants." (Hab2 . 1 4 , 6-8 N A S V )5
Is the collapse [of] the World Trade Center and the collapse of E n r o n — b o t hmajor financial powers in A m e r i c a — j u s t a coincidence? Or is the L i v ing-Creator a l l o w i n g these events to occur to prepare the way for His"Remnant" to spoil their financial "Slavemasters"—just as they spoiledthe Egyptians before they left E g y p t ? Certainly the credibility of thecertified public accountants and auditors has suffered a major blow.Americans are beginning to realize that they need to demand a " F U L LD I S C L O S U R E " and a " C O M P L E T E A C C O U N T I N G " from those whoare supposed to be protecting their financial, as w e l l as political, interests.So the t i m i n g of this "Secret Banker's M a n u a l " from T o m could nothave been better! Perhaps this is part of the fulfillment of Isaiah 41.15:" B e h o l d , I have made you a new sharp threshing sledge ["instrument"—KJV] with double edges; you w i l l thresh the mountains, and pulverizethem, and w i l l make the hills like chaff." ( N A S V ) Since today's slaveryis mainly accomplished by written contracts and laws of men (paperwork!), this "instrument" mostly likely is a "paperwork" solution — usingB a b y l o n ' s o w n paperwork system against them. " T h o u shalt go toB a b y l o n [its statutes—UCC, U S C , C F R ] ; there shalt thou be delivered"( M i c a h 4.10, 16). " T h o u didst pierce w i t h his own spears the head of histhrongs" Habakkuk 3.14 N A S V ) .Just how important is it that we act on this M a n u a l , and tell our friendsabout it? M i c a h 6 shows that G o d is angry with us for not doing something about this financial caste system, and w i l l strike us d o w n withsickness and poverty unless we act to expose and correct this fraud andinjustice. Notice M i c a h 6.1, 2, 10-16 ( N A S V ) :Hear now what the Lord is saying. Listen, you mountains,to the indictment of the L o r d . . . Because the Lord has a caseagainst His People.Is there yet a man in the wicked house, along with treasuresof wickedness, and a short measure that is cursed ("abominable"—KJV]? C a n I justify wicked scales and a bag ofdeceptive weights? For the rich men of the city are full ofviolence ["unrighteous gain"—Strong's 2555)] her residents6
speak lies ["breach contract" Strong's 8267], and theirtongue is deceitful in their mouth.So also will I make you sick, striking you down, desolatingyou because of your sins. You will eat, but you will not besatisfied [not enough to eat!]. . . you will sow but you willnot reap [slavery!] . . . therefore, I will give you up for destruction.Let's put it this w a y . . . since the Remnant is prophesied to be doing thisWork of "spoiling the money masters", if we are N O T involved doingthis Work, then W E A R E N O T P A R T O F G O D ' S R E M N A N T ! S o saysHabakkuk 2."Arise and Thresh" ( M i c a h 4.13) is the enlightened "battle c r y " of thisRemnant, consecrating the gain and substance to "the L o r d of the wholeearth"! Those who are part of the Remnant are not selfishly focused on"going to court to get out of their own loans". T h e y are focused onGod's end-time Work of correcting the system by removing the fraud,enabling everyone to have full disclosure and equal protection under thelaw, so that no one is damaged by theft or counterfeiting, w h i c h debasesthe currency. The L i v i n g - C r e a t o r cares for all peoples on the earth, andhas no pleasure in the death of anyone ( E z e k i e l 18.32). L i k e w i s e , weneed to care for everyone, and not be like Jonah, who only cared forhimself and how he w o u l d look if God did not wipe out all of the peopleof Nineveh for their sins as Jonah had prophesied!Isaiah 52.1-3 shows that it is time now to " A w a k e , A w a k e " (from beingdrugged and dumbed-down by T V ) , to "shake o f f the dust" (brainwashof mass media propaganda), to "rise up and sit d o w n " (rule), and to "looseyourself from the chains around your neck" (fraudulent contracts). " Y o uwere sold for nothing, and you w i l l be redeemed without money." Ifyour promissory note was stolen, this M a n u a l w i l l set you free by exposing the truth of the loan agreement, and g i v i n g you "Notices" to demandfull disclosure of the bookkeeping entries.Some people of other faiths may be "turned off" by the B i b l i c a l references in this Foreword and in this M a n u a l . T h i s is understandable, given7
the disinformation and misinformation that abounds in today's "civil i z e d " and "enlightened" w o r l d about creation versus evolution, and thewars and exploitation that occurs in the name of " r e l i g i o n " (see articleabout this at http://freedomnews.com/evolution.html). I can only askthat you be open to the possibility that a Living-Creator does exist, andto be tolerant and respectful about our convictions about this, even as webelieve in a Creator who is a G o d of Truth, Trust, Courage and Freedomand who respects everyone's free moral agency.Habakkuk 2 declares a V i s i o n of a spiritual Remnant of G o d ' s People ofall nationalities rising up suddenly as creditors to collect what was stolen from them by the deceitful international moneymasters of this endtime generation. It is a Vision "for an appointed time. . . that w i l l certainly come; it w i l l not delay." It is prophesied to occur before the Creator returns to the earth. Those who read it should "run" (not procrastinate). We believe the "appointed time" is now, and that, by your readingthis M a n u a l , you w i l l have an opportunity to become a part of that Remnant, with all the glory and credit for what is accomplished going to theLiving-Creator who makes all things possible.Douglas-Raymond:Stehling8
AcknowledgmentsThis manual w i l l presume that you have read Tom's banking books V o l ume 1 and 2. T o m obtained a secret banker's manual from one of theheads of a major university who wanted to expose the bankers. T o mthanks this person who wishes to remain anonymous. To get this information could have cost the person their job. T h i s person spent 1,000sto get this information to T o m and they made it a gift to T o m . So I askeveryone to thank this one person for making this sacrifice to the nation.May we use the information in a responsible way. No one was to obtainthis secret banker's manual without written permission from a bank president. This manual w i l l reflect what T o m has read in the secret banker'smanual and expose the truth. Tom wants to make it very clear that theGod of the B i b l e is the one who instructed T o m to expose the bankersand set the slaves free from debt and bondage. The Christian G o d is theone who gets the glory for the work that has been done. G o d is the onewho brought the right people together to make a l l of this possible and tohappen. This nation was founded under G o d and there are people whowant to kick G o d off the throne. G o d w i l l never be kicked off any throne.One day everyone w i l l be judged by the G o d w h o created the universeand Tom believes there is a special hot place in hell for the bankers andtheir agents a l l o w i n g the injustice. T o m sees clearly the hand of G o d inall of this and how G o d put it all together. T o m publicly thanks the C h r i s tian G o d for H i s mighty hand in putting a l l of this together to expose thetruth about the real bank loan agreement. T o m wishes to acknowledgethe people who developed the ID computer card in 1984 and exposed itto Tom. T o m wishes to thank the bankers for the secret bank manualexplaining what to do in court. The secret manual let us know that if wedo certain things in court, the bank has serious problems. T o m thankssome of the biggest bankers secretly w o r k i n g with T o m to expose theirown banking system hoping for a change. Yes, they told T o m that if theypublicly support T o m , they might be k i l l e d . T o m has had secret top government officials in top places helping T o m and T o m thanks these braveindividuals. These bankers are scared of the ID and how it w o u l d controlyou. They want us to w i n and are scared to come public until we get thevoters on our side. T h e government and bankers let T o m k n o w that theyneed the support of the voters to make it happen; so let's help and make9
it happen and save A m e r i c a from enslavement. We thank President B u s hfor confirming our rights of freedom of speech.T o m also wishes to thank many others w h o have selflessly contributedresearch, time and money to this effort over the past 10 years, and keptthe flame of "BankFreedom.com" alive. A n d special thanks to D o u g at" F r e e d o m N e w s . c o m " for helping with this M a n u a l , and for creating" B a n k F r e e d o m . B r a v e p a g e s . c o m " — o u r new "replicated website" withits Member Forum so we can more easily protect, share and leverage thelatest secret information among our group.10
IntroductionIn the early 1990s T o m Schauf learned that the European families privately owned the Federal Reserve Bank. When he heard this he knewthat the bankers had to o w n and control the Congress, judges and themajor media. He knew that they controlled the money supply, a l l o w i n gthe bankers to determine in advance what percent of the people wouldbe foreclosed on, if the stock market w o u l d go up or down and what theinterest rates w o u l d be. T o m did not want to get involved. Several peoplegave T o m a book on the F E D and he did not want to read it. These peoplekept c a l l i n g T o m to see if he had read the book. Finally, because of theirpersistence, he read the book. T o m felt that the G o d of the B i b l e hadcalled him to get the truth out to all Americans. In one and a half years,he got out 2 m i l l i o n brochures exposing the bankers. These were brochures made on photocopy machines, not e-mails. B a c k then, few peopleeven owned a computer.Three months after he began getting out the brochures, he took a trip tothe Smoky Mountains and the cook in the restaurant had received a brochure two weeks earlier. People were copying the brochures and g i v i n gthem out to everyone. These brochures generated so many telephonecalls T o m could not even work, so he had to stop the brochures. Thenpeople told him that local banks created new money. He did not believeit because that w o u l d violate G A A P (Generally Accepted AccountingPrinciples)—the matching principle—and he knew that C P A s audited thebanks and what standards of G A A S (Generally Accepted A u d i t i n g Standards) and ethics must be maintained. To prove to the world that localbanks did not create new money, he asked his students that he taughtC P A continuing education. A l l the bank auditors confessed and admittedthat it was a secret. T h e y even told him how it was done. A r m e d withthis information, T o m showed a few people, resulting in about 20 peoplegetting out of their house mortgages. N o w the telephone calls beganpouring into T o m ' s office requesting information. At this time peoplebegan using this information with credit card companies.In 1996 T o m moved to Tucson to get away from a l l the telephone calls.He asked everyone to stop calling for a year so that he could write thebanking books. It took nearly 3 years w o r k i n g 12 hours a day, 6 days a11
week to write the books and make the cassette tapes. N o w we have founda secret banking manual that is only for the internal bank officers explaining that, if the bank is sued, and if people see the secret laws in thissecret banking manual, the bank w i l l lose in court.If we can get out 2 m i l l i o n brochures in one and a half years, think howeasy it w i l l be to get out emails and have 1,000's of websites exposing it.Voters are w i l l i n g to become campaign workers if they know what theplan is and if they know that we can w i n . We can w i n and we are w i n ning. It is now time to stand up and be counted and inform Americansabout the truth. If we get 100 people to host a website, soon it w i l l be200, and then 400, and then 800, and then 1,600, and then over 3,000,and it keeps growing. If we have even 1,000 websites and each one getsout 1,000 emails, one million voters w i l l be informed. If everyone gotout emails and their friends kept it going, soon millions of voters wouldj o i n us. W h e n we have ten percent of the voters, everyone w i l l j o i n us.The popular thing to do w i l l be to j o i n us.We fought the Revolutionary War over the same banking issue. T h i sfight w i l l not be fought by bullets but by e m a i l , websites, books, thesecret banking manuals and votes. If you do not j o i n us in this fight forw i n n i n g the vote, the bankers w i l l go to a national ID card and enslaveyou a l l the more.T o m talked to the people creating the ID card in 1994. These peoplewere scared. They said that if they ever institute the I D , the government/bankers could track every money transaction, track you by satellite andhave absolute total control over you. T h e Government w i l l say, " I f youhave nothing to hide, why would you care?" They forget, A m e r i c a is theland of freedom, not Germany's Gestapo or Russia's K G B . S h o w meyour papers. and if you do not, you go straight to j a i l . They are lookingfor excuses to implement the ID that they began research on nearly tenyears ago. T h e y planned to do i t — n o w they just have to talk the population into it. Let us tell the voters about the banking and what they havedone to us and the voters w i l l vote out those who want to enslave usthrough the banking and I D . T i m e is running out and we need your help.Join us while there is still time to make the change for freedom.12
The A r i z o n a D a i l y Star, June 9, 2002, pg. A 1 3 reported how R o n a l dReagan used the C I A / F B I covertly, and unlawfully tried to stop politicalfoes per federal judges. If the C I A / F B I attempts to threaten political opponents, what w o u l d they do if they had a national ID card and y o udiffered from them politically? C I A / F B I psychological warfare was usedagainst political opponents. Imagine the control that they w o u l d havew i t h an ID card, tracking you by satellite, k n o w i n g where you are 24hours a day, everyone you talk to and everything you buy and sell. It iscalled total and absolute control, making people fearful of free speech.The K G B and Gestapo w o u l d be proud of our lawmakers. President Bushwants one m i l l i o n government informants. That is one informant for every240 Americans. T h i s w o u l d give the U . S . a higher percentage of informants than East Germany had using their dreaded S T A S I secret police.T h e y ' l l b e watching Y O U .On 9/11/01, they got us to wave the flag as President Bush took awayour rights. H o w stupid are we? The mainstream media remained silentabout the numerous eyewitnesses and experts, including news reporterson the scene, who, seconds before the W o r l d Trade Centers ( W T C ) c o l lapsed, saw and heard explosions near ground level w h i c h brought theW T C down. The W T C was designed to withstand the size of a jet that hitit. A s k a demolition expert and they w i l l tell y o u that a building like thatshould fall like a tree, and not straight down, without expert demolitionteams. D e m o l i t i o n experts explain that it is very difficult to bring downsuch large towers without them falling like a tree. Not one, but two towers fell, as if expert demolition teams brought them down. The TV showedwhat appeared to be large explosions near the ground just before thetowers collapsed. Van Romero, an explosives expert and former directorof the Energetic Materials Research and Testing Center at N e w M e x i c oTech, said on 9/11, " M y opinion, based on the videotapes, is that afterthe airplanes hit the W T C there were some explosive devices inside thebuildings that caused the towers to collapse." In M a y , 2002 we find thatBush was informed of the threat prior to 9/11. On M a y 23, 2002, Bushopposes an independent investigation of the information Bush had onthe terrorist threat prior to 9/11. If he has nothing to hide, why did hestop the independent investigation? Prior to 9/11, Bush's ratings werelow. After 9/11, Bush's ratings went up.13
Let us use our heads for one minute. If it were terrorists, wouldn't theywant the building to fall like a tree destroying other buildings? M a n y ofthe top executives that had offices in the W T C did not come to work thatmorning. It is reported that 50,000 workers did not show up to work thatday. One c h i l d in school announced the collapse of the W T C a few daysin advance. M a n y people were shorting the stock market, especially airline stocks, betting that the stock market would go down that day. Sowhat is the deal? There is a huge deposit of o i l in Afghanistan. D i d theyhave to change governments in Afghanistan to get the o i l ? Is it all aboutmoney, greed and control? Remember the o i l fields in Kuwait? An A m e r i can ambassador told Iraq just before the invasion that the U . S . w o u l d nothelp K u w a i t , thereby giving Saddam the green light to invade. Then theUnited Nations was rallied to counter this invasion. W h y ? Was it to givevalidity to the United Nations?Wars are very popular. They help get you elected. You need a War to takeaway A m e r i c a n rights. T h e y got us to wave the flag and say nothing asthey took away our rights. Y o u have to admit they are very slick. Forthem to pull it off, it takes Americans to believe everything the boobtube says to get the j o b done. T h i s is why we must w a k e up Americanson banking. The thing we can prove and the one thing that everyonecares about, is M O N E Y . Nearly everyone is in debt and they want out ofdebt. W h e n they wake up on the money issue, they w i l l wake up on thehealth, United Nations, education, drugs, guns and the other issues.There are people in government w h o have an agenda to take away yourrights and your wealth. T h e y are looking for excuses to get the j o b done.We need honest people in government. Please help us by getting out theemails, hosting the website and selling the books. T h e book sales helpfund us to save this great wonderful nation and government. We justneed honest people running the government. We need voters to switchfrom government employees representing the bankers, to representinghonest freedom loving Americans. Saving A m e r i c a depends on you. C A NW E C O U N T O N Y O U T O H E L P U S G E T T H E J O B D O N E ? I f yes,then contact us to get your website up and get out the emails and help usget the books sold. When people read the books, they get angry and joinus. Thanks in advance for your help. Together, we will get the j o b done.T h i s c o u l d be our last chance to get the j o b done so let's not waste time.14
About the AuthorThomas Schauf has a diverse background. He has written two booksrevealing the banking secret from the viewpoint of a C P A court expertwitness. He graduated from Northern Illinois University w i t h a B a c h elor of Science with double majors in accounting and finance. After graduation, he worked as a staff accountant for Motorola. He worked for asmall Certified P u b l i c Accounting firm, owned and operated his o w nbusiness brokerage firm and Certified Public Accounting practice. O v e ra period of nearly ten years, he has testified in a number of cases as anExpert Witness in business valuation, and has taught the arts of businessvaluation, business acquisition and negotiations to buyers, C P A s and lawyers on a national level in colleges and major universities. He has taughtlawyers and thousands of C P A s the art of valuation and negotiations inhis copyrighted course designed to meet continuing education requirements. He has been a controller and head of purchasing and personnelfor a major manufacturing company. He has been a real estate brokerand aircraft flight instructor (CFII).15
About the Manual—Its PurposeTom has received telephone calls from many people claiming to have had creditcard debts zeroed out or mortgages canceled. Some people have claimed that thebankers offered to cancel half the mortgage or all of it in an effort to settle whileasking the borrower to sign an agreement not to tell anyone that a settlement wasreached. Most all of this was done in secret. People and lawyers want a court case tofax around showing success and that might be the reason for the settlements. Thebankers know that they cannot allow this on the public record. Proof is hard tocome by.This manual is designed to expose the information Tom read in the banker's secretmanual and information obtained from bank auditors. The secret bank manual exposed laws that bankers fear—laws that, if used, might result in bankers losing incourt. This manual is designed to show the laws and the questions bankers cannotexplain about the agreement. It shows historically what has been happening incourt. It explains Tom's theory of why he believes bankers have offered to cancel 50percent of loans and up to 100 percent of some of the loans per telephone calls frompeople who have used the secret information in the banker's secret manual.Bankers historically do not want to show the altered notes. Bankers cannot explainthe bookkeeping entries showing if the borrower funded the loan. Bankers cannotexplain if cash or notes are money or if owing money is money and if new moneywas deposited and created in the loan process and if G A A P was followed. Theycannot explain in detail what money is, but they charge you interest for the use ofborrowed money. History shows bankers fear you may claim stolen / forged noteand fraud in the factum. This manual will show court strategies others have used andis not intended as legal advice. This manual only exposes information in the secretbank manual of what bankers fear. Tom's conversations with bank auditors discussing what they fear will be exposed, and laws and court strategy people have used.Lastly, one of the purposes of this manual is to stop the copycats. Many people havesigned confidentiality agreements with Tom to keep the information confidential,only to have these people charge others 1,000s for the same information in thismanual. Many of the copycats changed things resulting in people losing 1,000s.paying for information, and then losing in court. This manual's purpose is to get thetruth out to people and get voters to vote in the change.16
Chapter 1—WarningT h i s manual is not designed to give legal advice. T h i s manual is only togive people historical information as to what Thomas Schauf has learnedthat has worked and not worked in court. T o m has learned that strategiesin court can change every 30 to 90 days. If you are using old information, Y O U W I L L L O S E I N C O U R T . Before this manual was printed,strategies changed every 3 to 6 months. The o l d strategies failed in court.You have to presume that bankers and judges have read this manual andare waiting for you. On a regular occurrence people have called T o mand said, I want to order your books, my neighbor got your books andthe banks agreed to cancel their debt. I want to do what my neighbor did.Tom usually warns people and tells them that just because your neighborgot out of their loan does not mean that you w i l l get out of your loan.W h i l e they may understand court rules, you may not, setting you up fora failed court case. I N N O C A S E S H O U L D Y O U E N T E R I N T O AC L A S S A C T I O N C O U R T C A S E . Y o u cannot w i n f i g h t i n g the bankingsystem. If you w i n in court, it must be an individual lawsuit c l a i m i n gthat the bank did not perform, the bank breached the agreement and concealed material facts. The bankers fail when they
Sep 12, 2003 · Chapter 7—Credit Cards 61 Chapter 8—Credit Card Bookkeeping Entries 65 Chapter 9—Debt Collectors 67 Chapter 10—Doubling Money 69 Chapter 11—Changing the System 72 Chapter 12—Ultimate Fear of Bankers 73 Chapter 13—The Threat to the Economy 75 Chapter 14—Title 12 U.S.C.
