DOJ Readies Fresh Round Of Hefty Bank Settlements | The Advocacy For Consumer Rights

Posted by & filed under Banking.

In one of the largest antitrust class-action settlements, 12 major banks agreed on a $1.865 billion dollar settlement against credit default swap accusations. The banks include Citigroup, Goldman Sachs, JP Morgan Chase, Morgan Stanley, and many others. Credit default swaps protect investors against debt issuers that do not pay the money they owe. A credit default swap is part of a larger group of credit derivatives which caused the economic market crash in 2009. In 2007 this market of fraud reached $58 trillion dollars before it collapsed and causes the meltdown.

Click here to read the full article by Rueters on Fortune.

Delivering A Verb Pizza! | The Advocacy For Consumer Rights

Posted by & filed under Grammar.

Yesterday we went online and ordered a pizza from the same Domino’s Pizza I managed years ago.

I wrote we “we wanted a large cheese pizza.”

When the pizza delivery guy got to the door, I paid for the pizza.

I walked back into the house and opened the pizza box to find no pizza at all.

I called Domino’s Pizza and asked why I paid for a pizza but no pizza was delivered.

The person explained that per the laws of grammar “the” was an adverb making “pizza” to be a verb.  Pizza is a fact or noun, not a verb.  There is no such thing as a verb pizza hence the reason there was no pizza in the box.  Knowing the laws of grammar, I realized I became a victim of grammar fraud.

I use this tale as an analogy for bigger contracts that consumers face in life.  A consumer who is not familiar with the laws of grammar can wind up losing a substantial amount of money over the years without even knowing how it happened.

Just because a consumer can read and understand a document, does not make the document factual.  A consumer can sign 15 pages to buy a home and in all 15 pages no facts exist.  A consumer winds up with a “verb” mortgage just like a “verb” pizza.  Both the “verb” mortgage and “verb” pizza do not exist because there is no such thing as a “verb” mortgage or pizza.

What is a Whistleblower Claim? | The Advocacy For Consumer Rights

Posted by & filed under Whistleblower.


There are 5 aspects to a whistleblower claim. First you must have proof that fraud has occured under one of these terms:

  1. Financial loss to the government under the False Claims Act 
  2. A violation of the securities or commodities laws in the Dodd-Frank Act
  3. Harm to employees or the general public covered by industry specific whistleblower laws

You must have concrete and undeniable evidence that a crime has occured, you can not have a whistleblower claim based on a suspicion. Next you must hand new evidence over to the government that they could not have found from any other source. There is also a “First to File” which means you cannot open a Whistleblower case is someone else has already done so with the same evidence, but you can file a joint claim with a group of whislteblowers. The last aspect is the statute of limitations which come from several whislteblower laws.

Bankruptcy Fraud Case | The Advocacy for Consumer Rights

Posted by & filed under Government.

Seven years after the Great Recession the Justice Department has finally issued a policy to prosecute executives, not the company, that is or was involved in fraud. Companies are now required to hand over evidence of wrong doing if they want a “cooperation credit” which involves less penalties and fines. 23% of people interviewed from Wall Street have seen or directly knew about criminal activity. This policy may be hard to enforce but is an effort for the public to have more confidence in the justice and government systems.


Click here to read the full article by Bourree Lam on The Atlantic.


Posted by & filed under Uncategorized.

I am often asked by consumers “What is our viewpoint on taxes?”

We live in an incredible country.  There are no free rides and if you live in this country, you should participate in paying for the things you use.

Taxes are certainly necessary to pay for roads, bridges and many other things we as consumers use.  If your going to use a road or a bridge it is only fair that you help pay for it.

Our country was built upon the right to allow people the freedom to choose.

The problem with the current tax system is that it steals the freedom of choice from consumers by using false & misleading statements which is illegal.  Let’s take a closer look.

1.  The U.S. tax code is over 3.7 million words.  The entire 3.7 million words are all written in fiction to ensure not a single fact exists.  Consumers have never been taught to know what a fact looks like.  The writing of these 3.7 million plus words was designed to ensure that consumers lost their freedom by creating something so complicated they could never understand.  If you do not understand the codes, how can you determine whether your rights are being violated?

Consumers have to pay money out of their own pocket to hire professions who spend years learning and re-learing the tax codes.

2.  In a free market, people choose where they spend their money.  If you want to donate to a particular charity, you should have the right to do so.  If you do not agree with a government project, you should not be forced to pay for it.  With the current system income tax is taken and the money is used however the government sees fit.  Would you rather take the money and spend it how you see fit?  Money is a symbol of freedom because money is used as the means to pay for your choices.  When money is illegally taken from a consumer through fraudulent grammar, then freedom is lost.

Bob McEwen does an incredible job explaining how freedom works in the following videos.

3.  The IRS contains over 95,000 employees who are paid for by consumers.  So now a consumer is not only paying people to write the complicated tax codes, they are also paying people to understand the tax codes and paying for 95,000 people to collect the taxes.  An entire industry, paid for my consumers, has been created to deal with taxes.

Explaining taxes to kids is always fun.  Your kid earns $10.  You then go in and take $4 away.  Your kid asks why you just took his $4.  You answer back that you took the $4 because you want to go buy something at the store for yourself.  Your kid then says that is stealing and that if you want $4 then go earn it like he did.  Can’t get much simpler than that.

Have you ever wondered why the IRS never signs a tax form?  When was the last time the IRS sent you a receipt for your taxes?

Internal Revenue Service

Internal is an adjective used to describe Revenue.  “Internal” In = no, ter = terra or earth, nal = contract.  “Internal” = no earth contract.

Revenue is an adjective used to describe Service.  “Revenue” Re = no, venue = venue.  “Revenue” = no venue

Service is a pronoun.  “Pronoun” Pro = no, no = no, un = contract. “Pronoun” = no no contract

Internal Revenue Service = A no service with no venue and no earth contract.

In a free economy, a sales tax is all that is necessary.  There is no need for 3.7 million words or a staff of 95,000 employees.

If you buy something you will pay taxes on your purchase.

If you want to save your money then you can save your money.  If you want to donate you can donate.

Freedom of choice.

“The Tax Code represents the genius of legal fiction…  The IRS has never really known why people pay the income tax… The IRS encourages voluntary compliance, through FEAR.” 
      – Jack Warren Wade Jr., former IRS officer in charge of the IRS Nationwide Revenue Officer Training Program

Posted by & filed under Uncategorized.

Fiction books are a great source of entertainment.  In a fiction book unicorns can fly around on rainbows and mermaids spend their days talking with dolphins.

The challenge is that very few people have only been trained to understand the laws of fictional grammar.  This becomes an issue because people don’t know when a document is fiction or fraudulent vs. containing facts.

It is common that people will tell us that we have grammar errors within our website.  Absolutely, we agree.  In order to communicate with consumers, our entire website is written in fiction because this is the language people have been trained to understand.   We do not specialize in fictional grammar errors.  If we have a misspelled word or a comma out of place, we always encourage people to let us know.

The purpose for creating a fiction book or document is to create fiction not fact.  Fiction allows the writer to use words to fabricate a story to create an illusion.  This is all well and good in a children’s story book but when a contract is created in fictional grammar, a consumer can end up losing their freedom and tremendous amounts of money.

Most consumer believe that because they can read the document, it must be a factual document.

How do you create a fact within a sentence?

When you change a fact to a verb, is the fact still a fact or is the fact now a verb?

Is a verb a fact?

If you do not know the answers to these questions, then it is likely you would not know how to detect whether a fact exists in a document.

A simple rule of grammar is the only way to create a fact is by using a [pre]positional phrase.  This is the only way to create a fact.

When you look up the word “borrower” in the dictionary, it is a noun or fact.  It is not a verb.

“The borrower is responsible for making payments on time.”

In the above sentence the word “borrower” has been modified and now “borrower” is a verb.  The word “the” is an adverb making “borrower” into a verb.

As a matter of fact, the entire sentence contains not a single fact.

If a person were to enter into a written agreement with the above sentence, it would be no different than entering into a contract in which they agree they will produce unicorns to fly around rainbows because the entire sentence contains zero facts and only contains fiction which is not a fact.