I sat in a Court room and watched over a dozen Defendants be marched off to mediation, after the Plaintiff, who was suing for credit card and other financial debts did Not Appear at Court. These cases should have been dismissed, because the Plaintiffs, New Horizon Financial Services and Midland Funding, did not show up to Court.
I sat in amazement witnessing these unsuspecting debt slaves go into mediation to settle claims that they were helpless to defend.
The worst part about the Special Civil Part Court is that many of the collection agencies that were suing the debt slaves are owned by or partnered with Sheldon H. Pressler, owner of the law firm Pressler and Pressler, LLP.
Ephesians 5:10-11• New Living Translation (NLT)
10 Carefully determine what pleases the Lord. 11 Take no part in the worthless deeds of evil and darkness; instead, expose them.
The law firm of Pressler and Pressler, LLP, has a monopoly in New York and New Jersey in both representing credit card companies and purchasing charged-off credit card debt.
Anyone Can Qualify for a Major Credit Card!
Separated? - Divorced? - Bankrupt? - Widowed?
Bad Credit? - No Credit? - No Problem!
Make the call NOW and get the credit you deserve!
Even if you've been turned down before, you owe it to yourself and your family.
Your major credit card is waiting.Ads like this may appeal to you if you have a poor credit history or no credit at all. Beware! Some marketers of secured cards make deceptive advertising claims to entice you to respond to their ads. Credit card issuers who have marketing agreements with universities, colleges, or affiliated organizations such as alumni associations, sororities, fraternities, and foundations make deceptive credit card offers claiming to establish or repair your credit. The Federal Trade Commission (FTC) has taken action against companies that deceptively advertise major credit cards through television, newspapers, and postcards. The ads may offer unsecured credit cards, secured credit cards, or not specify a card type. Congress has authorized the Consumer Financial Protection Board (CFPB) to take legal action against companies and people that violate federal consumer financial law.
UPDATE JANUARY 24, 2017: Although I originally wrote this testimony (Revelation 12:11) on October 25, 2014, the Lord Jesus Christ, through the Holy Spirit, woke me up today to add to this testimony (Revelation 12:11).
How Casinos Use Design Psychology to Get You to Gamble More!
Everyone's heard that there are no clocks or windows in casinos so that gamblers won't realize how long they've been losing money. But is this design concept gospel? And does it work? According to research, it turns out that the most successful casino design may not be the dark, maze-like designs we think they are. The biggest proponent of casino design that we think of as being "classic" comes from former gambling addict Bill Friedman, who became a professor teaching about casino management at the University of Nevada Las Vegas, a casino executive, and a casino consultant. "The only relevant consideration for casino design are these: "What percentage of visitors gamble? What percentage return to gamble? Nothing else matters," says Bill Friedman.
The "gambling addict" is NOT the problem—the problem is the PIMP and predatory companies—that push gambling aka the lust and "love of money" *—and high-interest usury credit cards—on students and impoverished families!
* 1 Timothy 6:10 • New Living Translation (NLT)
10 For the love of money is the root of all kinds of evil. And some people, craving money, have wandered from the true faith and pierced themselves with many sorrows.
* 1 Timothy 6:10 • New Living Translation (NLT)
10 For the love of money is the root of all kinds of evil. And some people, craving money, have wandered from the true faith and pierced themselves with many sorrows.
"What percentage of visitors gamble? What percentage return to gamble? Nothing else matters," says Bill Friedman.
In 2012, NBC News found more than $95,000 NY Welfare Benefits EBT card withdrawals inside casinos over a nearly two-year period. In response to NBC's exposé, the New York State legislature passed AB 8101 Chapter 174 that prohibits ATMs at casinos from accepting public assistance EBT cards as of 2013... *** But what is to stop MANY IMPOVERISHED PEOPLE, desperate enough to try and "double-down" on their EBT card, from going to a nearby ATM at a gas station, check cashing place and/or other business? Most research on compulsive gambling focuses on the psychological, biological, or even moral profiles of gambling addicts—But the real problem may be the slot machines. Associate Professor of Media, Culture, and Communication at NYU, Dr. Natasha Dow Schull, won the American Ethnological Society’s 2013 First Book Prize for her work, ADDICTION BY DESIGN: Machine Gambling in Las Vegas, which explores the relationship between gamblers and the technologically sophisticated machines that enable—and encourage—them to bet beyond their means. [HUMINT 1a.]
Entrepreneur Rod Ebrahimi, who developed an online financial application called ReadyforZero to help consumers pay down debt, says he has a friend who gambled away more than $3,000 taken from a credit card cash advance.
"If you're sitting at a table in Vegas, they make it really easy to pull cash with your plastic. They'll process it for you, bring you some nice chips and you can keep on gambling," Ebrahimi says. "And a lot of people don't understand APRs for cash advances are much higher -- upward of 30 percent."
The law firm of Pressler and Pressler, LLP, was chosen as the beta site by the New Jersey Supreme Court to test and implement programs to computerize the communications and filings between litigants and the Courts. As a result, they now transmit all Complaints, Motions, and Executions electronically to the Court’s computers.
Pressler and Pressler most often is identified as a New Jersey debt-collection law firm but they routinely sue consumers in New York courts as well. According to the New York State Unified Court System, Pressler and Pressler filed almost 12,000 New York State debt collection lawsuits in 2014 alone.
THERE IS A CONFLICT OF INTEREST between the attorneys and employees of Pressler and Pressler, LLP, and a lifetime ban pursuant to New Jersey Statutes Annotated (N.J.S.A.) 52:13D-17—that precludes them from engaging in debt collection practices in the Special Civil Part of the Small Claims Court of New Jersey.
1. Founded in 1930, Pressler and Pressler, LLP is managed by Sheldon H. Pressler, who was admitted to the Bar in 1955. He was appointed by the Supreme Court to the Rules Committee for the Special Civil Part and served over 25 years. The Special Civil Part has jurisdiction up to $15,000.00, where most retail collection matters are filed.
2. Sheldon H. Pressler was also a member of the New Jersey State Bar Committee for the Special Civil Part. He has lectured for the New Jersey Institute for Continuing Legal Education (ICLE) on "How to Collect a Judgment," "Collection Practice," and "The Fair Debt Collection Practices Act (FDCPA)."
3. Sheldon H. Pressler is counsel for the New Jersey unit of the American Collection Association (ACA) and is President of the "New Jersey Creditors Bar Association" of the State of New Jersey.
Pressler and Pressler, LLP, has sat on the committee that makes all the rules for the Special Civil Part of the Law Division Court in New Jersey—A CONFLICT OF INTEREST—pursuant to N.J.S.A. 52:13D-17. Post-employment restrictions.
The laws in this country did not provide a remedy for a debt collection company that knowingly and voluntarily purchased bad debt, and then sues a debtor in an attempt to collect that alleged debt. What the law said was that an entity cannot place itself in harm’s way and then sue for damages.
The Defense that Defendants, who were sued by collection agencies could invoke was the "Doctrines of Scienti et volenti non fit injuria," and "Damnum absque injuria" (harm without injury).
While volenti non fit injuria was more generally used as between Master and a Slave or servant, Courts did not confine it to such relationship. Adams' Adm'r v. Callis & Hughes, 253 Ky. 382, 69 S.W.2d 711, 712.
Pressler and Pressler, LLP, represents national credit card companies that create Debt Slaves!
CREDIT CARD DEBT WAS NOT ASSIGNABLE IN THE STATE OF NEW JERSEY UNTIL PRESSLER AND PRESSLER HELPED CHANGE AND BEND THE LAW TO ITS FAVOR!
In an unpublished decision, a New Jersey appeals Court clarified the legal requirements that credit card debt purchasers must meet in order to pursue collection from consumer account holders. Main Street Acquisition Corp. v. Nemeth (App. Div., April 1, 2014).
Specifically, the appellate court declared:
A plaintiff suing on an assigned, charged-off credit card debt must prove both ownership of the defendant’s debt and the amount due to the card issuer when it closed defendant’s account. See Wells Fargo Bank, N.A. v. Ford, 418 N.J. Super. 592, 599-600 (App. Div. 2011); Triffin v. Somerset Valley Bank, 343 N.J. Super. 73, 79-82 (App. Div. 2001). Pressler and Pressler, LLP, has a monopoly in New York and New Jersey in both representing credit card companies and purchasing charged-off credit card debt.
Citing the controlling New Jersey statute that Pressler and Pressler, LLP, helped to write governing assignment of debts and other legal obligations, the Appellate Division noted that credit card debt is assignable to collection agencies pursuant to N.J.S.A. 2A:25-1.
In the case of Main Street Acquisition Corp. v. Nemeth (App. Div., April 1, 2014), the appeals court rejected Nemeth’s other defense that Chase failed to establish that it had acquired his account from Washington Mutual Savings with whom he originally opened the account with. The court took judicial notice that the Federal Deposit Insurance Corporation assumed control over Washington Mutual and sold all of its assets to Chase. Further, the court remarked that Nemeth made many purchases with this credit card after Chase acquired Washington Mutual’s assets, and had received numerous monthly billing statements from Chase. Accordingly, the court found a direct contractual relationship existed between Nemeth and Chase.
CHASE BANK USED THE LAW AND ITS POLITICAL RELATIONSHIP WITH THE FDIC TO PURCHASE A DEFUNCT BANK AND ITS CHARGED OFF CREDIT CARD ACCOUNTS AND ASSETS FOR PROFIT.
UPDATE: This story did not come to an end until June 2015. I was only planning on going to Upstate, New York, for my daughter's graduation from high school and to check on my publishing business the day after Court. However, the evening before Court, a tornado (or what the National Weather Service in Washington, DC, classified as 85 MPH Macroblast winds), destroyed over 100 businesses and homes in East Greenwich, NJ—one of those homes was mine. On the day of Court, the Lord fought the battle and the Judge Dismissed the case with Prejudice and Mutual Releases. As a result, I jumped on the Amtrak train for New York City—transferring to Upstate New York. After my daughter's graduation, I found an apartment and moved back to Upstate New York after almost 30 years.
Washington Mutual, Inc., was a savings bank holding company and the former owner of Washington Mutual Bank, which was the United States' largest savings and loan association until its collapse in 2008. JPMorgan Chase & Co. is an American multinational banking and financial services holding company---It is the largest bank in the United States, with total assets of US$2.515 trillion. The company was formed in 2000, when Chase Manhattan Corporation merged with J.P. Morgan & Co.
Are You Ready For This?
Senator Larry Lee Pressler (born March 29, 1942) is a U.S. politician who served for six years, and then formed his own law firm, The Pressler Group.
THE KNIGHTS OF MALTA ARE THE ROMAN CATHOLIC CHURCH'S DIPLOMATIC ARM IN THE UNITED NATIONS AND THE EUROPEAN UNION---THAT IS PERSECUTING THE STATE OF ISRAEL AND VIOLATING GALATIANS 4:21-31----The Allegory of Hagar and Sarah - Hebrew for Christians.
THE KNIGHTS OF MALTA WANT TO MAKE JERUSALEM AN INTERNATIONAL CITY UNDER AN INTERNATIONAL REGIME---SUCH AS THE VATICAN AT ROME---THAT IS SOVEREIGN AND HAS PERMANENT STATUS IN THE UNITED NATIONS AND EUROPEAN UNION---Daniel 9:27; Daniel 11:32-45; 1 Thessalonians 5:3-4; 2 Thessalonians 2
Read: PLANS FOR UN-VATICAN CONTROLLED JERUSALEM on The God Press...CLICK HERE
Led by David Rockefeller during the 1970s and 1980s, Chase Manhattan emerged as one of the largest and most prestigious banking concerns, with leadership positions in syndicated lending, treasury and securities services, credit cards, mortgages, and retail financial services.
On Thursday, September 25, 2008, the United States Office of Thrift Supervision (OTS) seized Washington Mutual Bank from Washington Mutual, Inc. and placed it into receivership with the Federal Deposit Insurance Corporation (FDIC). The OTS took the action due to the withdrawal of $16.7 billion in deposits during a 9-day bank run (amounting to 9% of the deposits it had held on June 30, 2008). The FDIC sold the banking subsidiaries (minus unsecured debt and equity claims) to JPMorgan Chase for $1.9 billion.
What about consumers, who never had a credit card account with Chase Bank, USA, and who did not make purchases after Chase purchased Washington Mutual's assets? The law cannot show a direct relationship between the debtor and original creditor, Washington Mutual, that charged off the debt.
Pressler and Pressler, LLP, has opened dummy collection agency companies for the purpose of purchasing charged off credit card debt for little money, so they can intimidate, harass and sue debtors for the maximum allowed by the laws that they helped create while working for the State of New Jersey.
Pressler & Pressler has been running a white collar fraud ring since 1996.
It is unlawful for an attorney or attorneys working for Sheldon H. Pressler to file lawsuits on their own behalf using dummy collection agencies!
Sheldon H. Pressler incorporated New Century Financial Services, a collection agency, in his own name for the purpose of filing lawsuits on his own behalf. Then, to try and be slick, Sheldon Pressler transfered ownership of New Century Financial Services into his brother’s name, Lee Pressler. However, Lee Pressler is a medical doctor and not at all involved in the day-to-day operations of New Century Financial Services, while multiple Pressler staff are employed at both New Century Financial Services and Pressler & Pressler.
Ephesians 6:8-9 (NLT)
8 Remember that the Lord will reward each one of us for the good we do, whether we are slaves or free.
9 Masters, treat your slaves in the same way. Don’t threaten them; remember, you both have the same Master in heaven, and He has no favorites.
THE ABUSES OF SHARECROPPING AND LEGALIZED DEBT SLAVERY CONTINUES
Sharecropping became one of the first forms of usury against former slaves, and extended unfair credit terms to unsuspecting consumers in America. These desperate people could not afford to live, and just like today, took the credit to try and survive!
Sharecropping became a widespread abuse in the United States, and became a continued way for Capitalist pigs to oppress and impose unfair debt collection practices upon former slaves (impoverished whites and other ethnic groups) after the Emancipation Proclamation, and during and after the American Civil War.
The disadvantages of sharecropping, however, soon became apparent. A new system of credit, the crop lien, became closely associated with sharecropping.
Under the system of the crop lien, a planter or merchant extended a line of credit to the sharecropper while taking the year’s crop as collateral. When the crop was harvested, the planter or merchants who held the lien took and sold the harvest of the sharecropper to settle the debt they perpetrated.
WHITE COLLAR CRIMINALS:The Connection to 911, Identify Theft, Debt Purchasing and the Buying and Selling of Electronic Information of American Citizens
What is amazing is that the Superior Court tried to serve me a Complaint from Pressler and Pressler, LLP, between January and March 2013 to a Post Office Box. Furthermore, the PO Box was a business box not in my name.
INFORMATION TECHNOLOGY THEFT, FRIVOLOUS LITIGATION, AND STATUTES OF FRAUD
In 2005, Orazio Lembo was described as the alleged ring leader of what police say was a massive scheme to steal 500,000 bank accounts and personal information, then sell it to bill collectors. Lembo's alleged accomplices included branch managers and employees from some of New Jersey's biggest banks (Massive Bank Security Breach Discovered in NJ by Tom Costello, 4/28/2005 NBC News). Lembo's alleged accomplices included branch managers and employees from some of New Jersey's biggest banks. One of the law firms and collection agencies implicated in this conspiracy was the Morris County, NJ based firm of Pressler & Pressler, LLP.
So how did Pressler and Pressler, LLP, get the electronic information for the PO Box that they tried to serve me a Complaint for a personal matter of presumed individual credit card charged off debt? The Plaintiff, Pressler and Pressler, LLP, did Not effectuate Service of the Complaint and Due Process of Law at my last known address pursuant to Rule 1:5-2 and 1:5-3. I moved to Rutherford, NJ, in October of 2012, and changed my address from South Jersey, so the Complaint was returned to the Superior Court as "Unclaimed."
Now, the white collar criminal firm of Pressler and Pressler, LLP, wants to argue a frivolous case that they effectuated process of service, when they know that I have a MERITORIOUS DEFENSE...Here's is the LAW: "If Default is Entered in the Special Civil Part, and "process is returned to the court by the postal service subsequent to entry of default and displays any of the markings listed in Rule 6:2-3(d)(4), or other reason exists to believe that service was not effected, the clerk shall vacate the default or default judgment." R. 6:2-3(d)(5)."
DEBT PURCHASING AND THE BUYING AND SELLING OF ELECTRONIC INFORMATION OF AMERICAN CITIZENS
The worst part about my case and many others, is that I never had a Chase Bank, USA credit card that I am being sued for presumed charged off credit card debt. Read about the lawsuit by minnesota ATTORNEY GENERAL LORI SWANSON against Midland Funding, LLC for filings false lawsuits below.
Corporation Service Company, the registered agent of Midland Funding, LLC, commenced business in 1899. Otho Nowland, then President of Equitable Guarantee & Trust Company, suggested to a young lawyer named Christopher Ward that they establish an agency to organize business entities (corporations, etc.) and act as their registered agent. With an initial investment by Nowland and Ward, "The Delaware Incorporators' Trust Company" was created. A similar company was formed separately by Josiah Marvel, an attorney and then-leader of the American Bar Association, The Delaware Bar Association, and the Delaware State Chamber of Commerce
In 1920, Ward and Marvel combined their two companies under the name Corporation Service Company (CSC). Throughout the 1970s, CSC continued to serve only Delaware business entities. The company increased in size, while Delaware's reputation as "The Corporate State" also grew.
From 1980 to 1985, CSC continued to grow. It received a cash infusion from the sale of its subsidiary company, the "Delaware Charter Guarantee & Trust Company," which it had acquired in 1977. In 1990, CSC acquired Florida-based "Corporate Information Services" (CIS). This acquisition was the first of many designed to expand CSC's scope beyond the State of Delaware. Between 1990 and 1998, CSC expanded through the acquisitions of nine other service providers, including Prentice Hall Legal & Financial Services in 1995 and Entity Service Group, LLC in 1998.
Bruce R. Winn began serving as CSC’s president in 1997 and its chief executive officer in 1998. Winn had an aggressive personality and made it known that he wanted CSC to surpass CT Corporation as the largest agent service company.
During the September 11, 2001 terrorist attacks on the World Trade Center in New York City, the company had offices on the 87th floor of the South Tower. The Corporation Service Company was among the few companies located above the impact zones in either tower to weather the attacks unscathed, as all 60 employees present at the time of the attacks somehow managed to evacuate the tower before the second plane struck.
In 2003, CSC acquired Lexis-Nexis Document Solutions to supplement its Uniform Commercial Code (UCC), secured lending, and motor vehicle services. Corporation Service Company has access to the IRS, DMV, and major credit bureau computers.
In 2010, CSC announced the election of Rodman Ward III as its president and chief executive officer. Ward previously served as a board member for 15 years and is a fourth-generation descendant of Christopher Ward, one of the company’s founders.
How banks make money from credit card users that don’t pay off their bills
Most financial institutions that extend credit (like your credit card, auto loan, or mortgage) make the bulk of their money from “Net Interest Margin”. Credit card issuers first have to get cash that they can lend you, either by borrowing from other lenders, or by getting their customers to open checking and savings accounts, and each of these methods has a some cost. For example, Bank of America might have a very low cost because they can use cash from people’s checking accounts, for which they are only paying 0.05% interest, to extend a credit card line of credit earning them 14.99%. In this example, Bank of America makes a 14.94% net interest margin between what they are paying depositors, versus what they earn from debtors.
The other factor that must be considered is default risk. If 5% of the credit card holders do not pay back their debts, Bank of America’s net interest margin drops from 14.94% to 9.94% (roughly). This is the risk that banking lobbyists have been talking up when trying to justify high fees and interest rates to lawmakers.
Many banks tend to target higher-risk customers with low or no credit, because they know that the law will allow them to charge up to 30% interest without being liable for usury.
Exodus 22:25 (ESV)
25 “If you lend money to any of my people with you who is poor, you shall not be like a moneylender to him, and you shall not exact interest from him.
DON'T BECOME A DEBT SLAVE
Consumer debt can be defined as; ‘money, goods or services provided to an individual in lieu of payment.’ Common forms of consumer credit include credit cards, store cards, motor (auto) finance, personal loans (installment loans), consumer lines of credit, retail loans (retail installment loans) and mortgages.
During the early years of the current depression more than 400 banks have gone insolvent and another 800 banks are on the FDIC endangered species list. Therefore, approximately 15% of all the banks in the U.S. will no longer compete with the Wall Street banks that caused the financial crisis. Since 2008, the top-five biggest banks in the U.S. have dramatically increased their market share and power. They are: Bank of America, JPMorgan Chase, Citigroup, Wells Fargo, and Goldman Sachs. Amazing how the exact same banks that caused the 1929 and the 2008 market crashes came out unscathed and more powerful after each crisis.
In recent years, Debt Slaves (consumers) who fell behind on paying down their credit card debt to the Master of the Sharecropper, where protected by the Fair Debt Collection Practices Act.
Moreover, Servants were protected from the Master of the Sharecropper collection agency purchasing charged off credit card debt and claiming to own a person's credit card debt by the NEW JERSEY STATUTES - TITLE 25 FRAUDS AND FRAUDULENT CONVEYANCES.
In the case of collection agencies like Pressler and Pressler, LLP, that purchases charged off credit card debt, there was no contract between the debt collection agency and the debtor, who opened a credit card account with the original creditor.
NEW JERSEY STATUTES - TITLE 25
FRAUDS AND FRAUDULENT CONVEYANCES, says:
N.J.S.A. 25:1-5. Promises or agreements not binding unless in writing.
"No action shall be brought upon any of the following agreements or promises, unless the agreement or promise, upon which such action shall be brought or some memorandum or note thereof, shall be in writing, and signed by the party to be charged therewith, or by some other person thereunto by him lawfully authorized:"
Pressler and Pressler, LLP, and its employees cannot work for the State of New Jersey for over 25 years, while operating collection agencies, and then twist the law for its own financial profit!!!
N.J.S.A. 52:13D-17 Lifetime Ban. At no time subsequent to the termination of his/her office or employment in any State agency may a former State officer or employee or special State officer or employee represent, appear for, negotiate on behalf of, or provide information or services not generally available to members of the public, or agree to perform any of those activities, for any party other than the State in connection with a specific cause, proceeding, application or matter with which the State officer or employee or special State officer or employee had been substantially and directly involved at any time during the course of his/her office or employment. N.J.S.A. 52:13D-17. This lifetime ban applies not only to the State officer or employee or special State officer or employee personally, but also to the partnership, firm or corporation under the following circumstances: (1) if the former State officer or employee or special State officer or employee is a shareholder, associate or professional employee of a firm organized as a professional service corporation or (2) if the former State officer or employee or special State officer or employee owns or controls more than 10% of the stock of a corporation or more than 10% of the profits or assets of a firm, association or partnership.
I have finally stopped trying to figure out why the Lord has called me to evangelize, and fight for the poor, oppressed and mentally and spiritually confused!
I never knew that the training that I received, 27 years ago, from my mentor, and Zionist lawyer friend, Sam Rosenberg, or my year of paralegal training thereafter, would one day be used to help people fight against tyrants and the abuse of power...Now! I rebuke evildoers in the name of the Lord.
1 Timothy 5:17-20 (KJV)
17 Let the elders that rule well be counted worthy of double honour, especially they who labour in the word and doctrine.
18 For the scripture saith, thou shalt not muzzle the ox that treadeth out the corn. And, The labourer is worthy of his reward.
19 Against an elder receive not an accusation, but before two or three witnesses.
20 Them that sin rebuke before all, that others also may fear.
PRESSLER AND PRESSLER, LLP, HAS A PLETHORA OF COMPLAINTS FILED AGAINST THEM BY LAWYERS AND DEFENDANTS!
Daniel Rubin of The Wolf Law Firm, LLC was quoted in a New Jersey Law Journal article discussing Politi v. Pressler & Pressler – the putative class action filed by The Wolf Law Firm RUBIN, DANIEL against New Jersey’s largest debt collection firm, Pressler & Pressler, for alleged violations of the Fair Debt Collection Practices Act.
Politi is the first case filed which is based upon the recent federal court decision in Bock v. Pressler & Pressler, where U.S. District Judge Kevin McNulty found that Pressler’s practice of having a single lawyer review and sign as many as a thousand complaints in a single day — averaging approximately four seconds per complaint - did not qualify as meaningful attorney review under the Fair Debt Collection Practices Act.
The Complaint in Politi alleges that the Pressler firm violated the FDCPA by sending debt collection letters on its letterhead without an attorney first exercising the necessary professional judgment to independently evaluate the collection demand and determining that a proceeding to enforce collection was warranted, as well as by allegedly pursuing debts for which the statute of limitations had expired, and referencing in debt collection letters an Internal Revenue Service reporting requirement for debt forgiveness, without mentioning the exceptions to that reporting requirement.
You may think that I'm crazy, but the Lord gives me confirmation after confirmation from the Holy Ghost---especially the fact that as of the beginning of this year, 2014:
THE ATTORNEY GENERALS OF OVER 30 STATES AND DC ARE FIGHTING BACK AGAINST THE UNFAIR CREDIT AND COLLECTION PRACTICES OF MIDLAND FUNDING AND CHASE BANK---AS WELL AS OTHER DEBT COLLECTORS TO PROTECT CONSUMERS.
The Attorneys General of; Arizona, Arkansas, Colorado, Connecticut, Delaware, the District of Columbia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Hampshire, New Mexico, New York, Ohio, Oregon, Pennsylvania, Rhode Island, Utah, Vermont, Virginia, and Washington (the "Attorneys General") write in response to the Advanced Notice of Proposed Rulemaking concerning "Debt Collection (Regulation F)" issued by the Bureau of Consumer Financial Protection (the "CFPB").
READ: Pages 5 and 6 in the document above about Midland Funding, LLC and Chase Bank, USA, making fraudulent claims against credit card debtors and consumers.
WHY HAS THE ATTORNEY GENERAL
IN NEW JERSEY NOT JOINED THE FIGHT
TO PROTECT CONSUMERS?
Today, COMMENTARY: WHAT REPUBLICANS MUST DO NOW By GEORGE WILL Washington Post Published: November 6, 2014, wrote:
WASHINGTON -- "Having completed their (Republicans) capture of control of the legislative branch, they should start with the following --- measures concerning practical governance and constitutional equilibrium:
-- Abolish the Consumer Financial Protection Bureau. This creature of the labyrinthine Dodd-Frank law violates John Locke's dictum: "The legislative cannot transfer the power of making laws to any other hands. ... The power of the legislative ... (is) only to make laws, and not to make legislators."
The CFPB is empowered to "declare," with no legislative guidance or institutional inhibitions, that certain business practices are "abusive." It also embodies progressivism's authoritarianism by being, unlike any entity Congress has created since 1789, untethered from all oversight mechanisms: Its funding, "determined by the director," comes from the Federal Reserve.
If the Consumer Financial Protection Bureau is abolished, there will be no protection for consumers and the over 30 Attorneys General oversight will be diminished by Capitalist Pigs and their special interests partners.
I may continue to be a target of international bankers and their credit and collection agencies, corrupt governments, world false religious leaders and politicians—and the judges, whose hands are tied by the multi-billion dollar cash cow system. But I do not fear taking a Stand for justice, the oppressed, poor and needy!
Mark 10:45 (NLT)
45 "For even the Son of Man came not to be served but to serve others and to give his life as a ransom for many.”
I trust in the Only One High Priest and Judge, who said, "I am the way and the Truth and the life. No one comes to the Father except through me."
JUDGES ARE SEPARATING FROM THE PRESSLER AND PRESSLER LAW FIRM CRIME FAMILY!
Finally, the Presiding Judge of the Superior Court Special Civil Part, separated himself from Pressler and Pressler.
NOTE: A plaintiff suing on an assigned, charged-off credit card debt must prove both ownership of the defendant’s debt and the amount due to the card issuer when it closed defendant’s account. Thus, plaintiff must prove it owned defendant’s credit card debt, whether one characterizes this as standing to sue or an essential element of proof on an assigned claim. See Wells Fargo Bank, N.A. v. Ford, 418 N.J. Super. 592, 599-600 (App. Div. 2011); Triffin v. Somerset Valley Bank, 343 N.J. Super. 73, 79-82 (App. Div. 2001). the sellers of the debt.27 (these case laws are not included in the judge's letter).
And in 2013, the Attorney General of Mississippi alleged that Chase Bank “knowingly and willfully made false and misleading demands for debt, filed complaints in collections litigation that were unverified and lacked evidence, and sold debt for collection that was unreliable and undocumented.” (this information is not included in the judge's letter)
Today, November 6, 2014, the Honorable Judge David W. Morgan, JSC, Denied Midland Funding's Motion filed on their behalf by Pressler and Pressler, LLP---to enter Default against me, because Midland Funding, LLC, did not prove assignment of the presumed debt.
HELLO! HELLO! I NEVER HAD A CHASE CREDIT CARD!!! READ ABOUT CHASE BANK AND MIDLAND FUNDING, LLC, AND THEIR FRAUDULENT CLAIMS AGAINST INNOCENT CONSUMERS (PAGE 5 AND 6 OF THE PDF DOCUMENT IN THIS POST).
LEARN ABOUT ILLEGAL "ROBO-SIGNING" BY LAWYERS & DEBT COLLECTORS
The mass utilization of robo-signed documents results in misrepresentations under state consumer fraud statutes [I OBJECTED TO MIDLAND FUNDING, LLC AND PRESSLER AND PRESSLER'S STATUTES OF FRAUD IN MY COURT FILINGS] when those documents represent to both consumers and courts that there is knowledge of facts related to the debt when, in fact, there is not any such knowledge. These instances are in addition to any account-level inaccuracies that may have followed from the failure to properly validate the amount or right to collect. Furthermore, harm caused by robo-signing extends beyond individual consumers to financial institutions themselves, where debt collection, document execution practices, and management of third-party debt collectors and debt buyers, can present risk. (this information is not included in the judge's letter).
Citing Marine Bank, 25 Pa. D. & C.3d at 267-69. A “defendant is entitled to know the dates on which individual transactions were made, the amounts therefore and the items purchased to be able to answer intelligently and determine what items he can admit and what items he can contest (this case citation was not included in the judge's letter).
PRESSLER AND PRESSLER AND ITS COLLECTION AGENCIES HAVE TO SHOW PROOF OF TRANSACTIONS, PAYMENTS, ETC., ETC., ETC.
In addition, pursuant to Rule 1:4-8, and Rule 6:6-3 Judgment by Default Entry by the Clerk; Judgment for Money, the law makes clear that: If plaintiff’s records are maintained electronically and the claim is founded on an open-end credit plan, as defined in 15 U.S.C. §1602(i) and 12 C.F.R. §226.2(a)(20), a copy of the periodic statement for the last billing cycle, as prescribed by 15 U.S.C. §1637(b) and 12 C.F.R. §226.7, or a computer-generated report setting forth the previous balance, identification of transactions and credits, if any, periodic rates, balance on which the finance charge is computed, the amount of the finance charge, the annual percentage rate, other charges, if any, the closing date of the billing cycle, and the new balance, if attached to the affidavit, shall be sufficient to support the entry of judgment (these laws were not included in the judge's letter).
Furthermore, the Presiding Judge of the Special Civil Part, outlined in his letter to Pressler and Pressler, LLP, that; my arguments that I never was Served the Complaint and allowed Due Process of Law---as well as my argument that I never had a Chase credit card, are consistent with my Opposition filed on time against Pressler & Pressler's fraudulent Motion to have the judge Enter Default (I was never aware of the Complaint and Summons).
Moreover, there is a Woman Warrior in the Attorney General's office in Minnesota that has started the ball rolling to file suit against Midland Funding, LLC for filings false lawsuits.
Nineteenth-century pastor Andrew Murray said: “Prayer opens the way for God Himself to do His work in us and through us.”
God looks out for His people and gives us the strength and words to fight!
There is a happy ending to this story finally...Thank God. On June 23, 2015, before the Honorable Presiding Judge Eugene J. McCaffrey, Jr., P.J., the case was scheduled for trial. Pressler and Pressler's lawyer showed up to Court (dressing himself in the elevator as I stood and watched him knowing that he was not sure whether I was the defendant or not). God allowed me to ride up to the Court room with their attorney to show how unprepared Pressler and Pressler is if you fight their unfair debt collection practices. Anyway, the lawyer asked me if I wanted to settle the case by asking for a dismissal WITHOUT prejudice (which means that they could file another Complaint later). When I said no, but that I would settle for a Dismissal with Prejudice and Mutual Releases, he asked if I would be willing to sign an affidavit claiming that there was fraud on the credit card account. I told him that I never had a Chase Bank, USA credit card, so why would I sign an affidavit stating that I believed there was fraud—that is the same thing as admitting that you had a credit card you never had...Debt collection lawyers think all people are stupid and ignorant of their rights and the law—most are so that is why I am sharing my story.
The lawyer had to go out in the hall and pretend to call his bosses at Pressler and Pressler to find out if they would settle for a Dismissal with Prejudice and Mutual Releases...However, I knew that they had nothing, because I had already sent them an interrogatory by certified mail; Request for Production of Documents—showing where I supposedly signed a credit card contract with Chase Bank, USA. I also sent them by certified mail thirty (30) Request for Admissions as part of the Discovery part of the case.
After becoming aware of the frivolous lawsuit last September 2014, I looked at the Complaint, and realized that the telephone number listed on the Complaint as my supposed telephone number was not mine—maybe it was my late father's debt, who passed away in July 2008—after all, my suffix is Jr. It was not my job to do Due Diligence for Pressler and Pressler...That's the problem when debt collectors buy old debts from banks and then robo-sign records and try to profit off people's financial loss that has already been charged off.
Pressler and Pressler, LLP, knew that they had not provided me Discovery prior to trial and that the Judge could rule a Dismissal with Prejudice just on the grounds of their failure to provide Discovery.
When the lawyer came back into the courtroom, he said that his bosses at Pressler and Pressler, LLP, were willing to Dismiss with Prejudice and Mutual Releases. The lawyer tried to leave the courtroom by telling the clerk that he would send the paperwork to me to sign and then file it with the Court, but the clerk was wise to his tricks, and asked him to wait for the Judge and put everything on the record.
The Honorable Presiding Judge Eugene J. McCaffrey, Jr., P.J., Dismissed with Prejudice and Mutual Releases on the record after I was swore in and explained my rights as a Pro Se Litigant.
This was a long fight of faith that started September 2014, and was settled on June 23, 2015, before the Lord as my Savior, Redeemer and Strength. God inspired me to fight not only for myself but for all people who have dealt with unfair, corrupt and illegal debt collection practices in the Courts!
Psalm 7:11 (NLT)
11 God is an honest Judge.
He is angry with the wicked every day.
GOD FULFILLED THIS PROPHECY
IN THE BIRTH OF JESUS CHRIST
Isaiah 9:6-7 (NLT)
6 For a child is born to us,
a son is given to us.
The government will rest on his shoulders.
And he will be called:
Wonderful Counselor, Mighty God,
Everlasting Father, Prince of Peace.
7 His government and its peace
will never end.
He will rule with fairness and justice from the throne of his ancestor David
for all eternity.
The passionate commitment of the Lord of Heaven’s Armies
will make this happen!
Isaiah 11:4 (NLT)
4 He will give justice to the poor
and make fair decisions for the exploited.
The earth will shake at the force of His Word,
and one breath from his mouth will destroy the wicked.
Godspeed, love and Truth,
Brother David Johnson, XU
Schüll graduated Summa Cum Laude from UC Berkeley’s Department of Anthropology in 1993 and returned to receive her PhD in 2003. She held postdoctoral positions as a Robert Wood Johnson Health and Society Scholar at Columbia University’s Institute for Social and Economic Research and Policy and as a fellow at NYU’s International Center for Advanced Studies. She joined MIT's Program in Science, Technology, and Society in 2007 and was awarded tenure in early 2015, before moving to NYU.
Schüll’s research has been supported by the National Science Foundation, the Alfred P. Sloan Foundation, the Woodrow Wilson Foundation, and the Robert Wood Johnson Foundation, among other sources. Schüll’s research and op-eds have been featured in such national media venues as 60 minutes, The New York Times, The Economist, The Atlantic, The Washington Post, Capital Gazette, Financial Times, Forbes, Boston Globe, Salon, Chicago Tribune, Chicago Daily Herald, Las Vegas Sun, 99% Invisible, NPR, WGBH, and WNYC.
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2. How Delaware Became No. 1 http://select.nytimes.com/gst/abstract.html?
3. "Miss Ward Has Bridal". The New York Times. 1982-10-07. Retrieved 2008-04-20.
4. "Incorporated In Delaware: Firm Thrives On The Work Csc Networks Has Been So Successful That It Has Been Able To Expand.". www.philly.com. Retrieved October 2014.
5. Moore, Martha (September 2, 2002). "Delay meant death on 9/11". USA Today (usatoday.com).
6. "LexisNexis selling Illinois unit". www.bizjournals.com. Dayton Business Journal. Retrieved 19 June 2014.
7. Colorado ex rel. John W. Suthers and Julie Ann Meade v. United Credit Recovery, LLC et al., 13 CV 35182 (District Court, City and County of Denver Colorado November 25,
2013). The complaint alleges, “[i]n order to maximize the profits that it obtained as a result of its purchases of charged-off debt from US Bank and Wells Fargo, UCR engaged in a
routine and pervasive scheme to fabricate documents that would aid in efforts to collect on that debt.”; Minnesota ex rel. Lori Swanson v. United Credit Recovery, LLC 27-CV-13-
19300(District Court Hennepin County, October 30, 2013).
8. Complaint Mississippi ex re. Jim Hood v. JPMorgan Chase & Co., et al., 25CH1:13-cv-001939, at 2 (Chancery Court of the First Judicial District of Hinds County December
17, 2013); Press Release, Office of the California Attorney General, Attorney General Kamala D. Harris Announces Suit Against JPMorgan Chase for Fraudulent and Unlawful
Debt-Collection Practices (May 9, 2013), http://oag.ca.gov/news/press-releases/attorney-general-kamala-d-harris-announces-suit-against-jpmorgan-chase.