Rich Risings, Royal Family! 👋

Welcome to the truth. Today, we are pulling back the curtain on the biggest commercial fraud in history. If you have a mortgage, a credit card, or an auto loan, you are being lied to every single day. They want you to believe you are a “debtor” in a world of scarcity. The truth is, you are the CREDITOR, the originator, and the source of the funds.

TEXT “PRIVATE LIFE” TO 702-200-4900 NOW TO START YOUR JOURNEY.

THE FRAUD OF THE CENTURY: WHAT IS SECURITIZATION?

Securitization is the process of homogenizing financial instruments into fungible securities so they can be sold on the open market. In plain English: they take your private contract (your signature) and turn it into a stock or a bond that they trade for massive profits.

Here is the catch: Securitization is illegal for private corporations.

Why? Because it is inherently fraudulent. When a bank “securitizes” your loan, they are moving liabilities off their balance sheet without your knowledge or consent. They are hiding the fact that your note was paid in full the moment they sold it to a warehouse lender or a trust.

When you sign a mortgage note, it starts under UCC Article 3 as a Negotiable Instrument. But the moment they securitize it, it moves into UCC Article 8 (Investment Securities). This jump changes the nature of the contract entirely, yet they never tell you. They keep sending you bills for a debt that has already been extinguished on their books.

UNDERSTANDING THE ACCOUNTING: FASB REGULATIONS

If you want to win this game, you have to speak the language. The language of the system is ACCOUNTING. Everything in the banking, civil, and criminal courts is an accounting entry. To hold these corporations accountable, you must master the FASB (Financial Accounting Standards Board) regulations.

The banks are mandated by Title 12 USC to follow GAAP (Generally Accepted Accounting Principles) and GAAS (Generally Accepted Auditing Standards). Here are the resource materials you need to study:

• FAS 125: Securitization accounting.
• FAS 140: Offsetting of financial assets and liabilities. This is the big one. It relates directly to UCC 3-305 and 3-306.
• FAS 133: Derivatives on hedge accounts.
• FAS 95: Statement of Cash Flows.
• FAS 5: Accounting for contingencies.

When you give a bank a promissory note, it is a CASH RECEIPT to the depositor (you) and a CASH PAYMENT to the bank. They are supposed to give you a receipt for that deposit. Instead, they treat it as a loan to you. They are using your asset to fund their system and then charging you interest to use your own money!

TEXT “PRIVATE LIFE” TO 702-200-4900 TO LEARN THE PRIVATE SIDE.

THE TRUTH ABOUT YOUR SIGNATURE: IOU IS AN ASSET

The party receiving an IOU is actually the DEBTOR, because the IOU itself is an ASSET. You are the originator. You have monetized their system with your signature.

Under the Constitution, the government was never given the authority to “create” money. That power is reserved to The People. Because the corporate government cannot create money, they rely on the deception of the people to create it for them through promissory notes and IOUs.

An IOU is not a debt instrument to the one who created it; it is an asset. The property belongs to the creator (you), and the holder is merely using it. Any proceeds that come from the use of your note should be restored to you. This is called RECOUPMENT.

RECOUPMENT: GETTING YOUR PROPERTY BACK

In Black’s Law Dictionary, Recoupment is defined as:

1. The recovery or regaining of expenses.
2. The withholding for the equitable part of something that is due.

Recoupment is an equitable action in admiralty-style instruments. It is your right to set off the account and get back what you gave. In practice, this is done through a COUNTERCLAIM in civil procedure.

Most people lose in court because they fail to bring a MANDATORY COUNTERCLAIM under Civil Rule 13. If you don’t raise the issue of recoupment, you waive your defense, and they proceed with the collection on the “receivables” side of the ledger.

TEXT “PRIVATE LIFE” TO 702-200-4900 FOR IMMEDIATE GUIDANCE.

THE GOLD CONNECTION: THE 1933 DECEPTION

This isn’t just an opinion. We have evidence of the Gold Contracts. In 1933, the U.S. didn’t just go “bankrupt”: they sold the gold under contract to the Bank of China. We have records of eleven $50 Million Gold Bonds sold from the DeBeers Diamond Company to the Chinese government.

Because they took the gold, they had to give us an “account payable” as a remedy. FAS 95 tells us that when they credit a transactional account (a liability account where we are the creditor), they give a cash receipt to the customer. This is why you are entitled to recoupment. They are using your credit, backed by the labor and the original gold remedy, to fund their entire corporate theater.

THE DOUBLE-BOOK ACCOUNTING TRICK

There are always two sets of books.

• The Receivable Side: This is what the bank or the court clerk sees. It shows a “charge” or a “debt.”
• The Payable Side: This is the liability side where you are the creditor.

The judge acts as a referee holding the accounts payable under HJR 192. The clerk has the “receivable” charges against your STRAWMAN. If you don’t bring in the recoupment on behalf of the real party in interest (YOU), the judge will not do the setoff for you.

The bank does the same thing. They use “Off-Balance Sheet” bookkeeping. They move your note to another entity’s balance sheet so they can claim they no longer have the liability. They then file an Affidavit of Lost Note or Destroyed Instrument.

This is a lie. Under UCC 3-309, to claim a lost instrument, they must prove they were in possession when it was lost and that the loss wasn’t due to a transfer. But we know they transferred it! We have the S3 Registration Statements and the 424(b)(5) Prospectus showing they sold the note in 1997 or whenever the “closing” happened.

WHY DO THEY CALL IT “CLOSING”?

They call it a “closing” because the debt is actually EXTINGUISHED at that moment. The warehouse lender pays off the bank, and the bank uses your note to pay the warehouse lender. The debt is gone. They just become a “servicer” collecting your monthly payments as pure profit.

HOW TO STOP THE FORECLOSURE AND THE CHARGES

You must learn to demand the OMB forms and balance sheets (FR 2046, 2049, 2099) under the Privacy Act, Title 5 USC 552(b)(4). These records show where the assets went. When you subpoena the auditors, the bank’s attorneys start scrambling.

They are only going to produce the documents that support their claim. It is an adversarial system. If you don’t know the accounting regulations (FAS 140, FAS 133), you can’t give them the proper instructions for settling and closing the account.

You have the power to monetize your own life and stop being a slave to a fraudulent system.

TEXT “PRIVATE LIFE” TO 702-200-4900.
TEXT “PRIVATE LIFE” TO 702-200-4900.
TEXT “PRIVATE LIFE” TO 702-200-4900.

TAKE ACTION NOW

The government and the banks do everything “correctly” on paper, but they rely on your ignorance. There is immunity for those who understand the procedure. If you are frustrated or angry, it is because you are operating from a place of limited knowledge.

It’s time to step into your role as the Creditor.

Visit Don Kilam International to see how others have successfully flipped the script. Check out our testimonials and see the results for yourself. Whether it’s credit agency payouts or mastering the private sector, the resources are here.

TEXT “PRIVATE LIFE” TO 702-200-4900.

Peace and Prosperity,
Don Kilam

This post is for educational purposes only. Always consult with a private administrative expert or qualified professional before filing legal documents.