Since we began, there is always assumptions, speculation, 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. In this long version about what TAFCR does, we will provide a laymen’s overview of what TAFCR actually does.

This site is written in fiction format in order 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 to teach.  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 a plane, the engineers simply estimates, assumes, guesses, presumes on the calculations.  Buildings are bridges are randomly thrown together with no math equations or mathematical testing for sturdiness.  A level would not be used.

An orchestra would combine to play a bunch of awkward notes from instruments that were made with no math equations.

When you went to your computer it would do whatever it chose to because there was no math formulas or 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.  They instead just assumed & guessed what shade of black the car was.

A world like this would be in turmoil and would never 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.  The 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.”

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 or write.

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 used correctly.

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 sets of opinions on every topic based on their own subjective interpretation and what they have gone through in their life.  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?  You know for sure 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 the words up in the dictionary, they are all nouns or facts.  What would happen if a creditor took the word “mortgage” and made it into a verb?  Because you may be able to read the word, this may not seem to be a problem but this would be the same as telling a person that the number 3 is a 4, because you are modifying or changing a fact.

In school we were taught math.  With math, we understand there is only 1 correct answer.  If we add 3+3, we end up with a correct answer of 6.

If a person did not fully understand math and the rules of math, it would be quite easy 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 are telling you is correct and that the party giving you the “correct” answer is not deceiving you or putting you in harms way.  By telling you the answer is 7, this is misleading and violates the false and misleading statement laws designed to protect people from harm.

Understand that all contracts are done either by written or verbal contracts and often times both.  Contracts are a form of communication.  The dictionary defines what parts of speech all words are.

False and misleading statements is the easiest and most deceptive way to fraud people because almost no one understands what a true and correct contract looks like and people are left to trust those who are in authority.

Imagine a pre-school in which there are 40 kids.  Each day they must bring money for lunch.  The lunch is $1 each day.  The person 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 are now paying $5 for lunch and they have no idea of the deception.  This is a contract scenario because money is being exchanged for goods.  This is what is known as using false and misleading statements. This example clearly illustrates the M’Naughten rule because the person collecting the lunch money knows the rules, knows math and also knows the kids are clueless and trusting.

The above example, we all understand.  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 an 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 tell you to sign a contract where it stated that 3+3=7, would you sign the contract?  Understanding math, 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 attempt to program a computer without using correct syntax you would end up with a program and or computer that does not 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 non-trained people are oblivious to.

When a person who is not trained at understanding the syntax language computers require to operate, the language looks very confusing like gobbledygook.  The following is an example:

“<!– Codes by –>
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 & mathematically considered to be false and misleading statements.  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 words that mean no contract.  It contains 8 adverbs, 5 verbs, 3 adjectives & 5 pronouns.  The lender created a perfect sentence to contain no facts and the average person reading it would never know the fraud that was taking place.  If you were to white out all words that are not factual, there would be no words left on the page.  This is from a fiction document designed to confuse & mislead without you ever knowing.

Adverbs & 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.  In other words, 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 they are tricking you into signing an agreement in which you can never honor because they will use the words “reasonable” and “may” however they want to.  If you try to argue the payment was sent in a reasonable time, they will say it was not reasonable.  Who’s definition of “reasonable” is right?  This is something you can never prove.

When a creditor creates a contract, they know exactly what they are doing.  By creating sentences such as this, they perform false & 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 frontwards and backwards.  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; 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 most people 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 “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 to look like a fact.  They use this deception to strong-arm consumers.

So similar to the story above where the person was telling the kids a $5 was a $1, creditors fully understand what they are doing and by Syntaxing a creditors contract, we can mathematically prove the contract was a fraud.

Everyone is entitled to his or her own opinion.  When the opinion of another is used to damage another, you have now violated the laws of grammar & action can be taken in correct grammar to correct 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 own opinion.  If you have not studied what we do first hand, then your opinion is based from no experience.  If a person wishes to dispute the laws of grammar, we only ask they first complete the Charity Project first.  Once completed successfully, we will schedule a recorded conference call in which that person can attempt to debate.  No anonymous parties are allowed to participate.  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 & 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 people wish to contract in correct grammar, the same rights apply.  If you do not understand Chinese, the contract may look like gobbledygook.  Any contract not written in your native or understood language will always look like gobbledygook.  If a creditor claims to not understand a correctly syntaxed document, it is not your fault because whether they understand or not, because 3+3 still =6.

All creditors have access to the dictionary to understand the parts of speech.  Creditors have a choice & 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 & right to take action on behalf of damages occurred by the company for using incorrect grammar.  The creditor can choose at any point to correct their contract to ensure only correct grammar is used.

We offer free training to those who wish the study the laws of correct grammar.

If we determine a government employee has damaged a client by violating the laws of grammar using false & misleading statements, we will take action in correct grammar on that government employee.

Do you wonder if you have been a victim of grammar fraud by a lender or a creditor? We review all cases at no charge & with no obligation. All reviews are confidential. Click here to request a free, no obligation review or call today at 888-320-1599.

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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