About Us (Long Version Full Story)

Since we began, there are always assumptions, speculation, and opinions about what TAFCR actually does. It is often the opinion or assumption by those that have failed to study first hand what we do, that TAFCR practices law or gives legal advice. No, we don’t. We will clearly provide a laymen’s overview of what TAFCR actually does.

This site is written in fiction format so as to communicate in the fashion that people were taught. In order to teach a person another language, such as Chinese, you have to be able to communicate in their native language. When we write documents to take action for a client, the documents are written in correct syntax.

Imagine a world where the rules of math did not exist. What would it be like? People would run around making guesses, and assuming everything. When you go to pay for groceries, the cashier would charge whatever they feel like, based on their opinions, because the rules of math do not exist. When building an airplane, the engineers would simply estimate, assume, guess, or presume their calculations. Buildings and bridges would be randomly thrown together with no level, no math equations or mathematical testing for sturdiness. An orchestra would play notes from a composition that was written with no math equations, for all music is math based. When you logged on to your computer, it would do whatever it chose to because there were no math formulas, 1s and 0s, no syntaxing when programming the computer. Taking your car to an auto body shop would end up with unmatched paint, because no mathematical color codes were used to match the paint. Instead they just guessed at what shade of black the car was.

A world like this would be in turmoil and would quickly cease to exist. People would be constantly fighting. As you look around, you realize that everything that is built correctly is built based on the laws of math, because the laws of math are facts, not opinions. The rules of math are solid and people depend on the rules to ensure safety, solid structures and predictability. This entire planet and the laws of nature and physics such as gravity are all based on math. Some equations are incredibly complex and some are very simple. In the end the rules of math are what everything is built upon. Conflict occurs when a rule of physics or nature is violated; all of which are based on mathematical facts. When something is built that is not based on mathematical facts, conflicts or failures will eventually occur and someone or something will be damaged. It has been said, “No person ever went to war over a math problem.” When understanding that everything built correctly is based on the laws of math, you then have to dig a little deeper to determine that communication must take place before something is built. Without communication, there is no way to transfer thoughts and ideas. Since we know communication must exist, how do people transfer thoughts and ideas? You can either speak them or write them.

Language, as with anything that is built, is also based on the laws of math. Just like the laws of math or physics, the laws of language are well established. This is why we have a dictionary to ensure words are correctly used. If language was not built on set laws, then conflict would occur and people would be damaged. Conflict would occur because everyone has their own opinions on every topic, based on their own subjective interpretation and their life experience. Very few consumers understand that language is based on math and this is why you see conflict between a creditor and a consumer.

So, the question is, as a consumer, do you understand the laws of grammar? Unquestionably, you know that 3+3=6. When you read a contract, are you able to identify the parts of speech in every word? What part of speech are the following words: car, bike, bat, cat, mortgage, interest? If you look up the words in the dictionary, they are all nouns or facts. What would happen if a creditor changed the word, “mortgage,” a noun, and made it into a verb? You read the word and don’t realize it’s been modified. It’s no longer a noun or a fact. It’s now a verb, no longer a fact. This would be the equivalent of telling a person that the number 3 is 4.

In school we were taught math and we were taught to understand that there was only one correct answer. If we add 3+3, we quickly learn that the correct answer is 6. If a person did not fully understand math and the rules of math, it would be quite easy for someone to perform fraud or deception. If you were not aware of the laws of math, and someone were to tell you that 3+3=7, you would have to assume that what they were telling you was correct and that the party giving you the “correct” answer was not deceiving you or putting you in harm’s way. By telling you the answer is 7, this would be misleading and would violate the contract with false and misleading statements. The laws are designed to protect people from harm. False and misleading statements are the easiest and most deceptive way to fraud people, because most people don’t understand what a true and correct contract looks like, thereby, they are left to trust those who are in authority.

Understand that all contracts between parties are either by written or verbal, and often times both. Contracts are a form of communication. The dictionary defines all the words in our language, alongside defining their parts of speech, in some cases multiple parts of speech, depending on the word and their usage.

Imagine a pre-school in which there are 40 kids. Each day they must bring $1 dollar for lunch. The man collecting the money knows full well that the kids do not understand math. He decides to tell the kids that a 5 is a 1. Instead of paying $1 for lunch, the kids now have to pay $5 for lunch and they have no idea of the deception. This is a contract scenario because money is being exchanged for goods. This denotes false and misleading statements. This example clearly illustrates the M’Naughten rule, whereas, the person collecting the lunch money knows the rules, knows math and also knows the kids are clueless and trusting. He is deceiving them.

We all can comprehend and understand the above example. If you cheat or fraud someone it is a crime, especially if you use false and misleading statements to do so. Just like the math equation 3+3=6, all language is a linear algebraic equation. When a sentence is correctly constructed for a contract, the sentence must mathematically add up just the same as 3+3=6. Math is a language of numerical facts, which we all fully understand. No wars were ever fought over a math problem, because math is a fact. Language is math. If someone were to tell you to sign a contract where it stated that 3+3=7, would you sign the contract? No, of course not. You would not sign the contract because you understand the math does not add up.

Syntaxing is best understood when programming a computer. Computers require that the instructions to operate the program are syntaxed correctly. If you attempted to program a computer without using correct syntax, you would wind up with a program and or computer that didn’t work. If the syntax is not correct you end up with a “bug.” Companies pay computer programmers large salaries to become proficient at understanding the syntax language that computers need to operate. Companies also pay attorneys large salaries to understand how language is syntaxed and how to modify contracts to confuse and mislead in a way that untrained people are oblivious to.

When a person who is untrained at understanding the syntax language computers require to operate, the language looks very confusing, like gobbledygook. The following is an example:

“<!– Codes by HTML.am –>


This text appears in front of the background image. </div>”

The above example seems impossible to understand to most people, yet to a person that understands the language of HTML, this code is a very simple code to create a background image on a computer. If you were not trained in the syntax codes of HTML, you would never be able to understand or fix any errors that may be occurring. You would not even be able to see any mistakes, because you would not know what a mistake or error would look like. The same is true with the language we all speak. While it is OK to speak in “babble,” it is not OK to write contracts that are incorrectly syntaxed with the intention of misleading people that are not trained in correct grammar.

The following sentence was taken directly from a Deed of Trust:

TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. If you own a home, there is a good chance you signed a contract stating this. Although the sentence is confusing to begin with, the sentence is what is factually and mathematically considered to be a false and misleading statement. The sentence contains no facts and is built upon only adverbs, verbs, adjectives & pronouns.

The sentence contains 26 words, yet has no facts. The sentence contains 9 specific words that mean no contract. It contains 8 adverbs, 5 verbs, 3 adjectives & 5 pronouns. The lender created a perfect sentence, containing no facts. The average person reading it would never know this was a fraudulent sentence. If you were to white out all the words in that sentence that are not factual, there would be no words left on the page. This is from a fiction document designed to confuse and mislead without you ever knowing.

Adverbs and adjectives are modifiers. When you modify a word with another word, you are creating an “opinion,” changing the meaning and coloring the word to mislead. You are forcing or injecting your subjective interpretation as if it were a fact. There are no opinions in a math equation and all language is a math equation. When you modify a word, you commit perjury because you are taking a fact and changing it to mean something else. A simple example is: “The movie was very good.” This sentence is clearly an opinion and contains no facts. The following sentences were taken from a Deed of Trust and are also sentences containing opinions with no facts: “Borrower warrant and will defend generally…” Generally is an opinion of defend, making the statement an act of perjury as the lender is coloring or modifying a word and attempting to make an opinion a fact. Opinions are not facts, they are opinions. 3+3=7 is an opinion or fiction, not a fact. In math or fact, there can only be 1 correct answer. 3+3=6. In opinion or fiction, 3+3= all numbers but 6. When dealing with opinions or fiction, you have the ability to have an infinite number of answers. 3+3 can=7,8,9,10 and so on. This allows consumers to be at the mercy of whatever opinion the creditor wishes to decide. “If borrower does not do so within a reasonable period of time…” Reasonable is an attempt to modify period of time which is an opinion and is not correct.

Each person has his or her own definition or meaning of what words such as “very good,” “generally defend,” or “reasonable period” really mean. To force your definition of a situation on someone and use it to harm another is a violation of certain laws pertaining to grammar. “Payments that are not made within a reasonable period of time may be returned.” In this sentence you are being manipulated into signing an agreement in which you cannot honor, because words like “reasonable” and “may” can be used in any manner the lender chooses. If you try to argue that the payment was sent in a “reasonable” time, the lender can just as easily say it was not sent in a “reasonable” time. Which party is defining “reasonable?” Which party is right? Both are. Which party is wrong? Neither party. “Reasonable” time means nothing. “Reasonable” has no meaning and cannot be defined. It is vague and ambiguous and cannot be proven.

When a creditor creates a contract, they know exactly what they are doing. By creating sentences such as the above, they have performed false and misleading statements under the M’Naughten rule. Many creditor contracts contain zero facts and are considered to be “Babble.” When a contract is properly created, it must be correct mathematically, and each sentence must add up correctly front to back and back to front. By creating a correct mathematical contract, there is no room for error because 3+3 will always =6. Most contracts are written in fiction or “babble” to state 3+3=13, or 9+4=6. Most contracts are purposely designed to contain no facts or true statements.

The question often arises that since almost all contracts are written in adverb, verb, adjective, and pronoun and contain no facts, then why is everyone getting away with fraudulent contracts? “Babble” is what we were taught to speak and understand. Since “babble” is not mathematically correct, it cannot be correctly used in a contract, because 3+3 cannot =7. You cannot prove a “good movie.” Those who specialize in writing contracts understand what they are doing and they know the difference between right and wrong. They all have access to a dictionary. When a contract is created and that contract is used to mislead, deceive and or to cause harm, this is when the M’Naughten rule applies. The volition when the contract was created was to deceive and cause harm, or to deprive or to inject an opinion masquerading as a fact. Lenders and creditors use this deception to strong-arm consumers.

So, similar to the earlier story where the man was telling the kids the $1 dollar lunch was actually a $5 dollar lunch, because the kids didn’t know any better, the creditors are doing the same thing, taking advantage of your ignorance. Creditors fully understand what they are doing and by syntaxing a creditor’s contract, we can mathematically prove the contract was a fraud.

Everyone is entitled to his or her own opinion. When one’s opinion is used to damage another, that’s a violation of the laws of grammar and action can be taken, using correct grammar to expose the fraud. When a contract is written in a fiction format, in which no facts are used and a person is damaged, then the laws of grammar have been violated.

It is quite common for people in certain professions to attempt to dispute what we do. Again, everyone is entitled to their opinion. If you have not studied what we do first hand, then your opinion is based on no experience. If a person wishes to dispute the laws of grammar, we only ask that they first complete the Charity Project. Once completed successfully, we will happily schedule a recorded conference call in which that person can attempt to debate us. To date, no identifiable parties have stepped up. We will not debate any anonymous parties. If a person wishes to debate, their full name and contact information will be stated in the recorded phone call, which we will post for others to listen to.

The bookshelves are filled with fiction books designed to entertain and educate. People have a right to make and enter into contracts in the language they choose. If a person is native to the Chinese language, they have a right to contract in the Chinese language. If someone wishes to contract in correct grammar, the same rights apply. If a creditor claims not to understand a correctly syntaxed document, it matters not, because 3+3 still=6, and that is a fact and that is your right.

All creditors have access to the dictionary to understand the parts of speech. Creditors have a choice and a right to use fiction grammar or correct grammar. If a creditor chooses to use fiction grammar in a contract, a consumer also has a choice and right to take action on behalf of damages occurred by the company using incorrect grammar. At any point, the creditor can choose to correct their contract to ensure that only correct grammar is used.

We offer free training to those who wish to study the laws of correct grammar. If we determine a government employee has damaged a client by violating the laws of grammar, using false and misleading statements, we will take action in correct grammar against that government employee.

If you believe you may have been a victim of grammar fraud by a lender or a creditor, we will review all cases at no charge and with no obligation. All reviews are confidential. Click here to request a free, no obligation review.

What is Dictionary? A book or electronic resource that lists the words of a language (typically in alphabetical order) and gives their meaning, or gives the equivalent words in a different language, often also providing information about pronunciation, origin, and usage.
What is Grammar? How a sentence is constructed.  For example, a correct sentence can only have 1 verb.
What is Syntaxing? How 2 words come together such as “red brick”.  Red is an opinion of the word brick. What shade of red are you referring to? When you put red in front of brick you are now modifying the word brick.  If you were hired by Coca-Cola to print some posters for their product, “red” would not be permitted in a contract because “red” is not a fact.  The correct syntax for the Coca-Cola color is “#b50900”.
What is Parse? Parts of speech or parts of a word.  Example “Opinion”.  “O” = no, “pin” = to attach or grip, “ion” = contract.  So the true definition of “Opinion” means no attached contract.  All words starting with a vowel and then followed by 2 consonants become a no contract word.  All words starting with a vowel that is it’s own syllable becomes a no contract word.
What is Communication? The act of communication; transmission.  The exchange of thoughts, messages, or information, as by speech, signals, writing, or behavior.  The art and technique of using words effectively to impart information or ideas.  All thoughts and ideas are conveyed via communication.
What is Babble? To utter a meaningless confusion of words or sounds.
What is Gobbledygook? Language that is meaningless or is made unintelligible by excessive use of abstruse technical terms; nonsense.
What is a Contract? A written or spoken agreement, especially one concerning employment, sales, or tenancy that is intended to be enforceable by law.
What is Mathematics? The systematic treatment of magnitude, relationships between figures and forms, and relations between quantities expressed symbolically.  Mathematical procedures, operations, or properties.  There is only 1 correct answer for each math equation.
What is Algebra? The branch of mathematics that treats the representation and manipulation of relationships among numbers, values, vectors, etc.  There is only 1 correct answer for each algebra equation.
What is Fact? A truth known by actual experience or observation; something known to be true. In fact, 3+3=6.  There is only 1 correct answer.
What is Truth? That which is true or in accordance with fact or reality.  In truth, 3+3=6.  There is only 1 correct answer.
What is Correct? Free from error; in accordance with fact or truth.  In correctness, 3+3=6.  There is only 1 correct answer.
What is Deception? The use of deceit.  The fact or state of being deceived.  A ruse; a trick.
What is Misleading? Tending to confuse or mislead; deceptive.
What is False? Contrary to fact or truth.  Deliberately untrue.  Intentionally deceptive.
What is Fiction? Invention or fabrication as opposed to fact. In fiction, 3+3 = any number but 6.  There is an infinite number of incorrect answers.
What is Opinion? A view or judgment formed about something, not necessarily based on fact or knowledge.  In opinion, 3+3 = any number but 6.  There is an infinite number of incorrect answers.
What is Volition? The act or an instance of making a conscious choice or decision.  A conscious choice or decision.  The power or faculty of choosing; the will.
What is the M’Naughten rule? A standard rule in law is known as the M’Naughten rule, which simply states, a person is guilty if they knew what they were doing was a violation.  If a small child enters a posted no trespassing area, they cannot be charged with trespassing simply because they had no idea they were not allowed on the property and they cannot read.  If an adult does the same thing they can be charged with trespassing because they can read and they understand you do not trespass when it is clear to not do so.

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