PRINCIPAL PRINCIPAL REDUCTIONREDUCTION
Revolutionary Investment Group
ASSET PROTECTIONASSET PROTECTION&
Disclaimer
The following material that we are about to go over is for introductory and educational purposes only. Its not intended to offer accounting, tax or any other legal advice. One should seek competent legal counsel prior to taking any action on any methods being discussed by us, or our affiliates. Any viewer is fully responsible for the use of these materials, follow up processes, and or concepts implemented or taught. Success or failure is entirely up to each individual becoming competent in this general field of study beyond just learning example paperwork processes presented in this presentation.Any charges or claim against this corporation on any resulting legal matters are conditionally accepted for value.All Rights Are Reserved.
Do you owe more than your home is worth?
Are you behind in payments or facing foreclosure?
Are you unable to get a new loan due to bad credit?
Have you tried a loan modification that’s failed?
Are you going through a short sale?
Do you know what's in your Deed Of Trust?
•Thomas Jefferson•President Woodrow Wilson•President Franklin Delano Roosevelt•HJR-192•History of Government •Banking and Accounting Basics
Let’s go back in times and talk Let’s go back in times and talk about the about the
United States history.United States history.
•
3rd President of the United State of America 1801-1809
“I believe that banking institutions are more dangerous than standing armies …If the American people ever allow the banks to control issuance of their currency, first by inflation and then by deflation, the banks and corporations that grow up around them will deprive the people of all property until their children will wake up homeless on the continent their fathers occupied.”
THOMAS THOMAS JEFFERSONJEFFERSON
“THOMAS JEFFERSON” 3rd President of the United State of
America
1801-1809
1933-19451933-1945 Mar. 9, 1933Mar. 9, 1933 United States declared Bankruptcy under President Roosevelt.
April 5, 1933April 5, 1933, then President Franklin Delano Roosevelt, under executive Order 6102, declared: All the people are required to deliver ON OR BEFORE MAY 1, 1933 all GOLD COIN, gold bullion, and gold certificates owned by the people to a Federal Reserve Bank.
President Franklin President Franklin Delano RooseveltDelano Roosevelt
“THOMAS JEFFERSON” 3rd President of the United State of
America
1801-1809
$10,000 fine or 10 years imprisonment or both. Transfer shall be between April 5, 1933 to May 1st, 1933.
June. 5, 1933June. 5, 1933 Congress passed House Joint Resolution 192 (HJR-192) suspending the Gold Standard under Chap. 48, 48 Stat. 112.
Criminal Penalty for Criminal Penalty for ViolationViolation
Executive order 6102Executive order 6102
1801-1809
• HJR-192 states, in part, that "[E]very
provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in any amount of money of the United States measured thereby, is declared to be against public policy, and no such provision shall be contained in or made with respect to any obligation hereafter incurred.
What is House Joint What is House Joint Resolution ?Resolution ?
(HJR – 192)(HJR – 192)
1801-1809
• Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time of payment is legal tender for public and private debts.“
• HJR-192 superseded Public Law (what passes as law today is only "color of law”), replacing it with public policy
What is House Joint What is House Joint Resolution ?Resolution ?
(HJR – 192)(HJR – 192)
1801-1809
• This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. When we use any commercial paper (checks, drafts, warrants, federal reserve notes, etc.), and accept it as money, we simply pass the unpaid debt attached to the paper on to others, by way of our purchases and transactions. This unpaid debt, under public policy, now carries a public liability for its collection. In other words, all debt is now public.
What is House Joint What is House Joint Resolution ?Resolution ?
(HJR – 192)(HJR – 192)
1801-1809
“Payment of debt" is now against Congressional and "public policy“ and henceforth, "Every obligation . . . Shall be discharged.“
As a result of HJR 192, and from that day forward (June 5, 1933), no one in this nation has been able
to lawfully pay a debt or lawfully own anything.
The only thing one can do is tender in transfer of The only thing one can do is tender in transfer of debtsdebts, with the debt being perpetual. The suspension of the gold standard, and prohibition against paying debts, removed the “substance“ for our common law to operate on, and created a “void” as far as the law is concerned.
PAYMENT OF DEBTPAYMENT OF DEBT
1801-1809
“This “substance” was replaced with a was replaced with a "PUBLIC NATIONAL CREDIT "PUBLIC NATIONAL CREDIT SYSTEM" where debt and credit have SYSTEM" where debt and credit have become "LEGAL TENDER" money.become "LEGAL TENDER" money.
PUBLIC NATIONAL CREDIT SYSTEM
“THOMAS JEFFERSON” 3rd President of the United State of
America
1801-1809"I am a most unhappy manI am a most unhappy man. I have unwittingly ruined my country. A great A great industrial nation is controlled by its system of creditindustrial nation is controlled by its system of credit. Our system of credit is concentrated. The growth of the nation, therefore, and all our activities are our activities are in the hands of a few menin the hands of a few men. We have come to be one of the worst ruled, one of the most completely controlled and dominatedcompletely controlled and dominated Governments in the civilized world no longer a Government by free opinion, no longer a no longer a Government by free opinion, no longer a Government by conviction and the vote of the majority, but a Government Government by conviction and the vote of the majority, but a Government by the opinion and duress of a small group of dominant menby the opinion and duress of a small group of dominant men." -- President Woodrow Wilson, discussing his role in the passage of the Federal Reserve Act
President Woodrow President Woodrow WilsonWilson
March 4, 1913 – March 4, 1921March 4, 1913 – March 4, 1921
“THOMAS JEFFERSON” 3rd President of the United State of
America
1801-1809
Federal Reserve BankFederal Reserve Bank was a privately Held Company controlled by 3controlled by 3 very wealthy Dominant and Powerful families:
RockefellerRockefeller
JPMorganJPMorgan
RothschildRothschild
FEDERAL RESERVE FEDERAL RESERVE BANKBANK
1801-1809
You or your parents applied for a certification / citizenship/ part time job…. With the “United States” which is a corporation/company
“an application for a live birth certificate”and what issued from this application was known as a
“birth certificate” the ‘company’, the “United States” kept the original application and gave your parents a copy of a birth certificate. This created what created what is known as ais known as a “foreign situs trust account”.
1801-1809
COMPANY CREDITORSCOMPANY CREDITORS
1801-1809
furthermore, the company came to your parents and asked to borrow your assets, and your parents [unknowingly] agreed, thus making you one of the companies’ creditors.
The bankers then took your application, and used fractional banking lending. It is the
birth certificate that is proof that an application was submitted.
COMPANY CREDITORSCOMPANY CREDITORS
BIRTH CERTIFICATE BIRTH CERTIFICATE
1801-1809
It is….It is…. the application that is the real negotiable the application that is the real negotiable instrumentinstrument !!!
And… the birth certificate proves there is a negotiable instrument being used in commerce -- to borrow money.
BIRTH CERTIFICATEBIRTH CERTIFICATE
1801-1809
If your birth certificate is worth say, 1 million, the bank can loan that same 1 million out as many as 9 times, thus making your birth certificate worth 9 million; and it keeps going, going and going.
Your birth certificate, has almost unlimited value associated with it.
FRACTIONAL FRACTIONAL BANKINGBANKING
1801-1809
The ‘company’ then took the application and pledged your future labor as a guarantee for payment to the bankers, also known as the International Monetary Fund (IMF).
The bankers gave the company a credit for your application against the amount that the company owed the bankers, which at the time of your birth, was worth close to 1 million dollars.
INTERNATIONALINTERNATIONALMONETARY FUNDMONETARY FUND
Deposits into IMFDeposits into IMF
$9,000,000$9,000,000
1801-1809
As a people we have becomewe have become nothing more that “Human Human resources” and “Human collateral“resources” and “Human collateral“ for an enormous amount of for an enormous amount of debtdebt. That was established without ourwithout our full and complete knowledge, understanding and informed consent.knowledge, understanding and informed consent.
It was done through the filing (registration) of our Birth through the filing (registration) of our Birth Certificates!Certificates! The United States government has taken certified copies of each of our birth certificates and deposited all of our birth certificates into the custody and control of the United States Department of Commerce so that the Government the Government can secretly secretly utilize our Birth Certificates… as Registered Securities that serve utilize our Birth Certificates… as Registered Securities that serve as “collateral” for our loansas “collateral” for our loans
How?How?
1801-1809
However, because as it was pledged, you
became involved in what is known as “involuntary servitudeinvoluntary servitude”
or basically a slaveslave to the company, in what
is known as an ‘invisible contract’ since you
didn’t even know about it…
INVOLUNTARY SERVITUDEINVOLUNTARY SERVITUDE
SOCIAL SECURITYSOCIAL SECURITY
SOCIAL SECURITYSOCIAL SECURITY
1801-1809
The commercial value of everyone is grouped into a ‘pool’ under the Treasury and by the use of our Social Security Account Number we are individually monitored, on paper, by the accountant for the Treasury, and the IRS, who keeps track of how much we spend.
In other words their job is to balance the In other words their job is to balance the book of the Treasury direct account to zerobook of the Treasury direct account to zero
WE HAVE A COMMERCIAL VALUEWE HAVE A COMMERCIAL VALUE
COMPANYCOMPANY’’S BENEFITS BENEFIT
POWER OF ATTORNEYPOWER OF ATTORNEY
POWER OF ATTORNEYPOWER OF ATTORNEY
POWER OF ATTORNEYPOWER OF ATTORNEY
During your lifetime you have probably NOT had the Secretary of the Treasury / IRS ‘paying’ / discharging your debts for you or adjusting the [your] account according to HJR-192.
You, like most people, have been giving your equity away (paying your bills) in the form of Federal Reserve Notes that you acquired through your labor.
Setting off/dischargeSetting off/discharge
You had the pre-paid account available but didn’t know it existed, or didn’t know how to use it, and the net result is you have been paying for ‘stuff’ the company should have been “paying for” all along.
PRE-PAID ACCOUNT
1801-1809
Your debt, is actuallyYour debt, is actually ““PREPAID” PREPAID”
with what is known as with what is known as ““MONEY OF ACCOUNTS MONEY OF ACCOUNTS
This transaction is what is referred to as a “money of account” transaction, as no real
money changed hands. It was simply an accounting entry against
the debt owed to the bankers, by the company.
MONEY OF ACCOUNTMONEY OF ACCOUNT
Terms to knowTerms to know• Double Entry BookkeepingDouble Entry Bookkeeping – For every Debit there is a Credit to off-set it and
vice-versa • ““T” AccountsT” Accounts – Accounts must always balance to zero
• Fractional BankingFractional Banking – How Banks monetize notes
• Off Ledger AccountingOff Ledger Accounting • Banks keep two sets of books, Public and PrivateBanks keep two sets of books, Public and Private
BANKING 101BANKING 101
• When a mortgage is created, your signature on the promissory note creates the funds. They did not exist before then.
• The lender does not transfer “money” – they simply make bookkeeping entries.
• The promissory note creates an Account Receivable with your name on it and that’s what you pay month after month after month.
HOW A MORTGAGE REALLY WORKSHOW A MORTGAGE REALLY WORKS
• You the taxpayer is the issuer of the credit instrument. The bank is the holder.
• The bank lodges the mortgage as an asset into their books.
• Question - is it an asset on the liability side or the Accounts Receivable side?
• The real question is where did the money come from that they loaned to you?
ACCOUNT RECEIVABLEACCOUNT RECEIVABLE
• The Account Payable is not abandoned funds. The bank is suppose to send the borrower an IRS 1099A, Notice of Abandonment, but they do not.
• When you make a monthly payment to When you make a monthly payment to the bank, you are actually paying the TAX the bank, you are actually paying the TAX the bank owes the IRS for the money YOU the bank owes the IRS for the money YOU created + interest.created + interest.
• You only created the principal, You never created the interest to pay it back, therefore it is an impossibility for you to pay the interest.
ACCOUNT PAYABLEACCOUNT PAYABLE
WHY DO WE SIGN A DEED OF TRUST?
WHY IS THE MORTGAGE “NOTE” SO IMPORTANT? WHAT IS A NOTE?
WHY ARE THE BANKS ABLE TO TAKE YOUR HOME?
WHY IS THE MORTGAGE “NOTE” SO IMPORTANT? WHAT IS A NOTE?
A promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. While the mortgage itself pledges the title to real property as security for a loan.
The mortgage note states the amount of debt and the rate of interest, and obligates the borrower, who signs the note, personally responsible for repayment.
In foreclosure proceedings in certain jurisdictions, borrowers may require the foreclosing party to produce the note as evidence that they are the true owners of the debt.
The promissory note also creates an Account Payable with your name on it. However, you never see that account. It’s the account that owes you money.
Did the lender give you the money when you signed the promissory note? Probably not. They “withheld” it from you.
Did the mortgage lender showed up to sign the documents with you?
Who was there with you when you signed your loan docs?
PROMISORY NOTEPROMISORY NOTE
The escrow officer, is also your notary. What is a Notary? Is the Notary the
lender?The Notary is an officer of the State,
when the Notary stamps the documents with the Notary stamp, the document becomes a legal document that can be presented in the court of Law.
The only function of the Notary is to authenticate your signature.
PROMISORY NOTEPROMISORY NOTE
Within 72 hour of you signing the Note, the bank/investor already had arrange the fractionalization of your Note using your SS# and DOB.
The bank sells the promissory note at the wall street trading to another bank via the Security and Exchange Commision. This repays the Accounts Receivable. The buying bank will then fractionalize the Note using your SS# and DOB.
This fractionalization can go on until the maturity of your loan.
PROMISORY NOTEPROMISORY NOTE
Lend it at 6 %
$ 100K $ 100K $ 100K $ 100K $ 100K $ 100K$ 100K$ 100K
$ 300K $ 300K $ 300K $ 300K $ 300K $ 300K $ 300K$ 300K $ 300K $ 300K $ 300K $ 300K$ 300K $ 300K
$ 100K
BORROWBORROW 9Times9Times
Lend @ 2 %InterestLend @ 2 %Interest
$900,000$900,000
My Note
Bank
FEDERA;RESERVEBANK
$ 300K
$ 300K $ 300K $ 300K $ 300K $ 300K $ 300K $ 300K$ 300K $ 300K $ 300K $ 300K $ 300K$ 300K $ 300K $ 300K$ 900K
$ 300K $ 300K $ 300K$ 300K $ 300K $ 300K$ 300K $ 300K $ 300K$ 300K $ 300K $ 300K $ 300K$ 300K $ 300K $ 300K
$ 900K $ 900K $ 900K $ 900K $ 900K $ 900K$ 900K $ 900K $ 900K $ 900K$ 900K $ 900K $ 900K $ 900K$ 900K $ 900K
$100,000
FLOWCHART OVERVIEWFLOWCHART OVERVIEW
BANKING TRUSTBANKING TRUST
Car DealershipsPersonal Loans
Credit cards
You the purchaser
MortgageLending
Loan ServicingContractor has no Equity Invested(Receive monthly Payment Only)
Sold over 50 Times ORIGINAL FUNDSELECTRONIC COPY
BONDSELECTRONIC CREDITS
To keep the IRS books balanced all money has
to return to the Originator of the funds
WHICH IS YOU
MORTGAGE ESCROW TRUST (Distribute actions)
The Mortgage Company holds your funds here in their Escrow Account, praying that you default so they can steal the funds with their owns 1099A
after they foreclose on you. Then they get the funds and your home (1099OID/1099 A – Recoverable funds by you.)
REMIC Is investment-grade mortgage bond that
separates mortgage pools into different maturity and
risk classes
Indenture Trust(This is were the Insurance Rider is placed on all notes
etc. Instrument
Securities trust (This is where the Cusips
are assigned to the REMICS and
CDO/Collateral Debit)
Banking Trust(According to the
law a bank can not loan money only
credits
REMIC Is listed as an investment on the back of 1099OID
Holder TrustAll Promisory Notes are
Held Here At this Point the Federal Reserve Does
Fractional Reserve banking
Promissory notes can not have a maturity date that is over 12
months
All Mortgages are listed as DEBT FREE Security Instruments when Bundled at the
SEC to be sold on wall Street in a pool
SEC Securities Exchange Commission
Federal Reserve/TreasureFed Window
IRS is operating according to bankruptcy law
PUBLIC SIDEPUBLIC SIDEThe IRS is your collection agency
to recover your 1099OID and 1099A Funds
PRIVATE SIDEPRIVATE SIDE(DTCC) Depository Trust Clearing Corporation
YOUR ACCOUNT FUNDS ALL YOUR COMMERCEThis Trust Company hold the funds to YOUR Cestui Que Trust In the amount of BILLIONS ????? Dollars
All Promissory Notes are held here,At this point the federal Reserve Bank does fractionalize Reserve Banking
HOLDER TRUSTHOLDER TRUST
SECURITY AND EXCHANGE COMMISSION
All Mortgages are listed as DEBT FREE Security Instruments when Bundled at the SEC to be sold on wall Street in a pool
PRIVATE SIDE OF THE BANKPRIVATE SIDE OF THE BANK
• Did the bank give you anything when you signed the promissory note? Most people would reply that they received the house
(or the car, or whatever the note related to). • The bottom line is - it's not about the house (or the
car). The price of the house was prepaid through HJR 192. They would not have the need to put our birth certificates on bond paper if money actually existed.
YOUR HOUSE WAS PREPAID YOUR HOUSE WAS PREPAID THROUGH HJR-192THROUGH HJR-192
• You are the surety that stands behind the debt as you are able to go out into the world and work to produce value. And they are paying us in nothing but useless scripts (scripts is any substitute for currency which is not legal tender and is often a form of credit). We receive nothing but coupons (FRNs) that we can take out into the public and use to acquire other goods and services.
YOUR HOUSE WAS PREPAID YOUR HOUSE WAS PREPAID THROUGH HJR-192THROUGH HJR-192
It's a "Property Relief" program for people that are "upside down" in their mortgage seeking a way to
reduce their mortgage and protect their assets at the same time.
It’s an educational program designed to teach you the secrets the Bankers didn’t want you to know
What is Principal Reduction and Asset Protection all about??
Lets walk you through the Process
Through the ‘Principal Reduction” and “Asset Protection” (PRAP) Program, we work with “Private Bankers” to Pay off your current mortgage with “Banker’s Acceptance Note”
The promise-to-pay document is called a draft. Payment of the draft will be made on a specified future date, so the draft is called a time draft. To seal the promise, the promissory signs the draft and stamps or writes the word "Accepted" above his signature and adds the date on which he will pay the amount written on the draft.
The draft has now been formally accepted by the promissory, and the commitment to pay the beneficiary on the due date has become a legal obligation.
If the acceptor is a bank, the acceptance is called a Banker's Acceptance.
• Foreclosures DO NOT hurt banks in any way. Foreclosures DO NOT hurt banks in any way. • The banks never risk anything for the creation of
the “money” and they never lend any “money”. • The “money” is created from your signature.• Credit lenders cannot legally support their claims
when they foreclose.• Properties are sold on the courthouse steps every
day of the year, why on the Court Steps and not in the Courthouse?this is because the properties are “sold” on the color of law, and not according to “Common Law”.
• The monetary system has been designed expressly for creating default, foreclosures and bankruptcies
ALL FORECLOSURES ARE ALL FORECLOSURES ARE AN AN ACT OF FRAUD BY ACT OF FRAUD BY BANKERSBANKERS
FORECLOSEDFORECLOSED
• If the bank has already foreclosed on your home, If payments are still owed under an existing obligation, We will still tender the setoff for that note, with the Banker’s acceptance Note.
FORCLOSEDFORCLOSED
The PRAP Program offers you the following benefits:
• A new mortgage with a new principal balance up to 40% of your existing loan.
• GOOD OR BAD CREDIT
• ANY LOAN AMOUNT QUALIFIES
• Primary, Secondary, and Investment Properties with first, seconds, and HELOCs qualify for the PRAP Program
• Credit reporting of your current mortgage as "paid in full“.NO CREDIT REQUIREMENTS
• Our PRAP works to lower the principal mortgage amount on your home up to 40% of your existing loan.
Why would your bank agree to PRAP? Because the Private Banker can pay the full loan amount of
the money that you owe to your present lender (bank). and acquire the Note to your home.
What does the Private Banker do with the NOTE ?The Note will be monetized several times the amount of the Note, depending on the
Private Banker.
The Private Banker gives the homeowner the new loan amount up to 40% of their prior loan amount. If so, how does the banker recovers the 60% that he loses on this process?
The Private Banker can write off the 60% as a loss. Remember, The Note can be monetized!!! Maybe 9 to 50 times
FILE SUBMISSION CHECKLIST
DEED OF TRUST for each loan ------------
MORTGAGE STATEMENTS ------------ MEMBERSHIP ENROLLMENT FORM ------------
RI QUESTIONAIRE ------------
NOTARIZED POWER OF ATTORNEY ------------
STATEMENT OF INFORMATION ------------
INTERNATIONAL CONTRACT ------------ CONFIDENTIALITY & NCND ------------
DEPOSIT SUBMISSION ------------
Driver’s license SSN Card ------------
*All items are needed to start your file. Please gather all these items and submit for processing. Processing can take 4 – 6 MONTHS and up on a completed file.
HOW DOES THE PROCESS WORK?
• The process starts with us getting you qualified for the program.
• Gather all the required documents.
• Submit the complete documents to your SPONSOR He or She will take your paperwork, review it for accuracy,
and make sure that all of the qualifications are met.
• After a preliminary review, your file is submitted to the lender's processing group for review as well.
Your new lender now has the servicing rights to your loan and can finance a new loan for you.
To do so, a new mortgage is written up to 40% of your existing loan value, and a closing date is chosen.
Normal wait time for a closing is now 4 – 6 months.
Your new lender still has to do all the normal due diligence involved in writing a mortgage including a title search to make sure there is clean title.
Those who makes things happenThose who makes things happen Those who watch things happenThose who watch things happen Those who wonder what happenedThose who wonder what happened Those who donThose who don’’t know that anything happenedt know that anything happened
THERE ARE FOUR KINDS OF PEOPLETHERE ARE FOUR KINDS OF PEOPLE IN THIS WORLD IN THIS WORLD
““ People who do succeed are set apart by theirPeople who do succeed are set apart by their PERSONALITIES , OBJECTIVES, and PERSONALITIES , OBJECTIVES, and ABILITIES. ABILITIES. It specifically means that they It specifically means that they have ahave a POSITIVE PRINCIPLE in LIFE POSITIVE PRINCIPLE in LIFE””..
Do you want to work as a referring agent?
You can start as an Associate by signing the Independent Contractor form, NCND, W9 and submit the form to your sponsor.
Refer to the next compensation table for more information.
Lets take a closer look at the profit potential.
RAVENNA INTERNATIONAL is not a franchise. Associates are not required to purchase any products, goods, services,
inventory, or pay any fees for the right to engage in business.
All following presentations are illustrations for training purpose only and they are not for public uses.
Associate LevelsAssociate Levels No. of transactionsNo. of transactions
Field Manager1.5%
Senior Field Manager2.0%District Manager2.5%
Field Sales Director3.5%
50 LOANS
100 LOANS
200 LOANS
300 LOANS
25 LOANS
PERSONAL + TEAM GROSS COMMISSION
Vice -President4.0%
400 LOANS
Associate Manager1.0%
Regional Manager3.0%
500 LOANS
Billionaire Paul Getty said it best……………Billionaire Paul Getty said it best……………
“I“I would rather earn 1 % of the effort of 100 people than 100 % of my own”would rather earn 1 % of the effort of 100 people than 100 % of my own”
“I Believe that you can have everything in life that you want…..
If you just help enough people get what they want” Zig Ziglar
LEVERAGE