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NEW! Our 2010 Personal Perspective Poll!

The Commerce Game


Main Pages: Commerce Game, Teachers & Sources, Commercial Law, Right to Livelihood and Freedom from Income Taxes, Privacy & Travel, Banking, Economic Collapse, Gold & Silver, Educational Packages
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Creditor or Debtor: Playing well the game of commerce means being a creditor, not a debtor. *** Debtors take positions, defend what they know and make statements about it; they ignore, argue and/or contest. Extreme debtor-minded people presume victimhood and seek to limit their liability. Debtors operate unwittingly from and within the public venue. They are satisfied with mere equitable title - they can own and operate, but not totally control their property. Debtor possibilities are limited and confining, as debtors are slaves. *** Creditors are present to whatever opportunity arises; they ask questions to bring remedy if called for; they accept, either fully or conditionally. Accomplished creditors take full responsibility for their life, their finances and their world. Creditors understand and make use of their unlimited ability to contract privately with anyone they want at any time. They maintain legal title and control of their property. Creditor possibilities are infinite. Creditors are sovereign and free.

Private vs. Public: It is important to know the difference between the private and the public, because we all have private and public identities and we can handle private and public affairs from the private, but we cannot handle private affairs from the public. This latter is one of the biggest mistakes many people make when trying to handle their commercial and lawful (private) or legal (public) affairs. *** In our society, the private 'Strawman' was created by the application for the birth certificate; it is an international vessel in maritime law. The public STRAWMAN was created by the application for the Social Security card; it is the national vessel in the law of admiralty. *** John Doe is a non-resident alien in relation to the public. He exists in the republic. He has inalienable rights and unlimited liabilities. JOHN DOE is a U.S. citizen. He exists in the democracy. He has benefits and obligations and limited liability. *** In the private, money is an asset and always in the form of something that has intrinsic value, i.e. gold or silver. Payment for anything is in the form of commercial set off, now. In the public, money is a liability and normally in the form of a promissory note, i.e. an FRN, a check, bond or note. Payment is in the form of discharge; in the future. *** The private realm is the basis for all contract and commerce; the public was created by the bankruptcy of the private entity. Generally, creditors can operate from the private. Public entities are all debtors (or slaves). *** Therefore, it is good to learn how to be a creditor in all of our affairs. Freedom is possible in the private; it is not even a valid fantasy in the realm of the public. See famous quote by E.M. House.

Responding to Offers or Demands: We have an unlimited ability to contract with our fellow human beings in any way we choose. Our choices are dependent only upon our knowledge and will and creative intelligence; not upon our circumstances. *** Whether in commerce or law or life, whenever someone demands something from us, it is an offer to contract. *** There are only five ways we can respond to an offer to contract. 1) We can ignore; 2) We can argue or contest; 3) We can reject the offer or refuse for cause, without dishonor, as long as it is an erroneous claim and there is no liability evidenced (see UCC 3-501); 4) We can accept; or 5) We can conditionally accept. *** Ignoring is dishonoring, both to the offerer and the offeree. In commerce, it means agreeing by acquiescence. If someone sends us a bill and we ignore it, we have committed a commercial dishonor and we have agreed that we owe it. They have become the creditor in the matter and we have become the debtor/ slave. *** Arguing is dishonoring to everyone as well, no matter how righteous it seems. Ultimately, no points of view are absolutely valid and in a fight, force and deception are relied upon by all but the saintliest of parties. The loser will certainly become a debtor in the matter; the victor's creditorship may be a crime. *** Honorably rejecting and the two ways of accepting are the only ways we can remain in honor and take full responsibility for our life and our world and not be a victim or a debtor. Full acceptance is appropriate when we agree with the substance and form of whatever is being offered. Conditional acceptance is more appropriate when we are not sure about those things. *** All conditional acceptances are counter-offers: "Sure, I'll go to town with you if you help me clean up that mess first" OR "Sure, I'll accept that upon proof of your claim, in the form of a signed affidavit by you, under penalties of perjury and under your unlimited personally liability". Learning how to accept conditionally is fundamental to learning how to remain in creditor relationship with and be able to freely control any situation.

Have questions? ... about debt, taxes, traffic tickets, government forms, maritime jurisdiction, Uniform Commercial Code (UCC), commercial redemption, accepting for value, asset control & protection, private administrative procedure, freedom & sovereignty?   Send an email, including your name and phone# in your message to wisemen33@gmail.com. No legal advice given, but someone will respond.

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notapiece Playing the Commerce Game: Commerce Game Exposed; again
Redemption & Emancipation: SS Trust Indenture; TCollins - White Paper on State Citizenship; Sovereign Solutions; United Nations of Turtle Island; Extortion System of the Ruling Elite; Paper Prison; How to Create a New Identity; Interpretive Writings on Redemption; Sovereign Immunity; UCC Redemption, 10/28/3; Redemption Manual: Redemption Manual- A Step by Step Guide to Redeeming Your Personal Freedom; again; Claim of Right: Notice of Understanding and Intent and Claim of Right; Notice of Understanding pdf; Style Manual of the Government Printing Office (1923); Fictions: Henry Maine: Legal Fictions, 1862; Office of the Person; Person & Individual; People or Citizens; Ficticious Legal Entity Called "a Person", 2/14/10; Freeman and Strawman Explained; Meet Your Strawman!, 6/14/10; Legalities of All-Capital-Letters Names; Security of Identity: Stop Check Fraud with Uni-Ball 207; Citibank exposes 600,000 customers' Social Security numbers, 3/9/10; Security Agreement: basic template; Copyright Trademark Name: Claim; Bill Clinton; Power of Attorney: POA; RPOA; No Consent: Douglas Michael Bleich: A Public Declaration: Notice of Immediate Withdrawal of Consent, 8/4/10; Child Protective Services & the Slave Trade: Families Regulating Authority Under Duress (F.R.A.U.D.); Family Rights Association; Nancy Schaefer Exposes the EVIL Child Protection Services, 3/29/10

Adhesion Contracts & Licenses: Birth Certificate: Where to Write for Vital Records; Structure of the Birth Certificate; State Birth Certificates; Fed Res.Acct. in Which the B/C was Deposited; Got a Birth Certificate? You are a Fictitious Corporation; Babies Without Birth Certificates; Jordan Maxwell: Stock Market & Birth Certificates; Marriage License: Common Law Marriage; Revoke Marriage License; Driver's License: Revoke Driver's License; Taj Tarik: Law & Government Drivers License Fraud; Smiley Harris: I Don't Need No Stinking Driver's License; Passports: How to Apply as a "National"; World Passport; Certificates of Non-Citizen Nationality; Petition For Writ of Certiorari; Social Security Number: SSN Not Required Policy Manual; SSNs Can Be Predicted With Public Information; Open a Bank Account without SSN#; 9 Digits Some Call A Social Security Number; Report to Congress on Options for Enhancing the Social Security Card - the card stock sequence #

Commerce & the UCC: Uniform Commercial Code; Why the UCC Filing; again; Affidavit of Corporate Denial; Maxims of Commerce; Mastering the UCC; UCC Study Guide; again; Buhtz: UCC Investigative Report, 5/26/03; UCC 1-308 now; again; UNIDROIT; Public Policy/ Corporate Codes: UCC; U.S. Code; Search the U.S. Code; U.S. Code Search Help; Fed. Rules of Civil Procedure; Code of Federal Regulations; U.S. Statutes at Large; HJR-192: text; Kevin Hines: Was HJR-192 Repealed?; How can you get a copy of HJR 192 from 1933 without commentary?; HJR 192 6/5/33; again; Public Records/ Information: NATIONAL REPUBLIC REGISTRY; SEC Information; FDIC Search; Free ERISA EIN Search; KNOWX - Public Records & EIN Search; How to Look Up Free Drivers License Records Online; Run a Background Information Check on Anyone With This Easy Online Background Search; Public Notice: GetNotice.Info; National Republic Registry; America's Public Record; California Recorder's Manual; Banks: ABA #s; Bank Routing #s; Fed Financial Services; Federal Reserve E-Payments Routing Directory; Wikipedia Routing transit number; Selected Bibliography on Banking and Public Investment; FRB Freedom of Information Office; FRB manuals & forms; DTC: Participant Accounts; Rules; Counterfeit Fraud Alert; SEC: Enforcement Complaint Form; ACH: wikipedia; EFT; UNCITRAL: 1988 UN Convention on IBoEs and IPNs; 1992 Model Law on International Credit Transfers; 1995 United Nations Convention on Independent Guarantees & Stand-by Letters of Credit; EIN: Finder; FEINSearch; CUSIP: wikipedia; Identification; downloads; Glossaries: Banking terms by InvestorWords.com; Hypertextual Finance Glossary; Freddie Mac: About Home Ownership; Understanding Fannie Mae Debt; Common Foreclosure Terminology; U.S. Courts; Forms: forms.gov; GSA Forms Library; Your Name Here; formsguru.com; U.S. Courts Forms; UncleFed's Tax Board; f4419; f1455 E; f1455; f1071 E; 31 CFR Part 306; Reference Agreements and Deal Intelligence for Business Professionals and Lawyers; Filing Information Returns Electronically (FIRE); Reference: USA

Consumerism: Product Downsizing; Take Your Money Back; JibJab - Big Box Mart; Buy, Buy American Pie; Barcodes: All About UPC Barcode; Digital Watermark: Bar Code Celebrates Birthday, Is It Evil?, 10/8/9; Sales Tax: Oregon Governor wants a mileage tax, 12/27/8; Democrats push for new Internet sales taxes, 7/2/10

Business Vehicles: 501c3s: Why not?; Facts

Money: Money; Dick Marple on Money; Affidavit of Walker Todd; Real Money; Money Stuff; How to endorse a check; Notes of Debt are not Income; William Gouge on Paper Money, 1833; essays & docs; Negotiable Instruments: Banking Negotiable Instruments; Bills of Exchange: Memorandum in Law in Support of International BoE; Bonds: UBC; UBC3; Freedom School on Bonds; What is a Surety Bond?; B/C Bond; Intaglio designed pre-printed border certificate paper; Wesley Snipe Bond for Taxes; TT Freedom docs; Promissory Notes: Not Your Average IOU; Cashless Society: Banker, Butcher, Spy; Banking: Opening Bank Accounts Without SSNs; Currency Transaction Reporting; FRB Manuals & Forms; Accounting: Free Accounting Course for Non-Accountants

Property & Title: Not-so-safe Deposit Boxes; Feds grant eminant domain as collateral to China for U.S. debts; Home Ownership: Do you own your Land?, 4/8/10; Want to Get Audited? Apply for Homebuyer Credit, 4/15/10; H.R. 2454 - Cap & Trade: American Clean Energy and Security Act of 2009; Cap and trade is a license to cheat and steal, 5/19/9; Cap and Trade: A License Required for your Home; again, 11/19/9; Cap and Trade: A License Required for your Home; McConnell Charges That ‘Major Part’ of Democrats’ Cap-Trade Bill ‘Essentially Written by BP’, 6/9/10; Obama’s Land Grab Nightmare, 7/29/10; Allodial Title: Ownerships Highest Proof; What Is?; Land Patent image; Allodial Freehold; Straight Talk; Whistle Blowing on Land Patents; Final Solution to Property Tax; Understanding how Land Patents work; Car Manufacturer's Certificate of Origin: Do You Know Who Owns Your Car?; Forum; Security Agreement: Jack Rabbit Patriot; True Bill; Moving assets internationally: America Now Enforces Capital Controls, 3/28/10

Trusts: Uniform Trust Code; Thomas Lewin - A Practical Treatise on the Law of Trusts, 1888; Rudall & Grieg: Law of Trusts & Trustees, 1898; Augustus Peabody: A Trustee's Handbook, 1898; A Trustee's Handbook, 1907; Weiss's: Concise Trustee Handbook; Hague Convention on Law Applicable to Trusts; CoT, Minn.; Truth About Trusts; Dual Trusts; Dual Trusts; Bogert: Handbook of the Law of Trusts; Do-it-yourself UBO; Gilbert Law Summaries; Shilling V; Trustee in Commerce; Vessel Assist; Common Law Irrevocable Pure Trust Organizations (PTOs): Common Law Trusts; Pure CL Trusts; Cestui que: wikipedia; WHFIT: WHFIT; Bannatukku Republic; comprehensive

Debt: In May, 1920, the Federal Reserve Board met and agreed to contract credit for the first time, Cong. Rec. 2/23/23; U.S. Debt Clock; Rod Parsley: Conquering the Spirit of Debt; Defense of Collection Cases; National Debt Road Trip; Crisis of Credit Visualized; Biggest Holders of US Government Debt ; Rank of Countries from Most Debt Ridden to Most Credit, 8/12/9; How the loan scam works; Dispute; So Much For Universal Default Disappearing, 3/4/10; The Money That Is Sold Abroad Is You!; Debt Spreading 'Like a Cancer', 6/10/10; Forget The PIIGS, The U.S. Is The Weakest Sovereign Debtor Of Them All, 6/16/10; National debt soars to highest level since WWII, 6/30/10; A Modest Solution, 7/13/10; Debtor's Prison: In jail for being in debt, 6/9/10; In Jail For Being In Debt, 6/10/10; PR Push Against Strategic Defaulters Underway (Is There a Debtors’ Prison in Your Future?), 6/14/10
Credit Cards: Can Stores Require an ID When I Pay by Credit Card?, 2/5/8; Credit card piracy - the next shoe to drop; Effectively Dealing with Presentments; How to Legally Beat Debt Collectors; an example of a Private Administratice Process; Beating up on debt collectors; 5 Reasons NOT to Pay Them, 7/28/10; Five Letters; Unsecured Debt Resolution; again; Validation: FDCPA Section 809. Validation of debts [15 USC 1692g]; Debt collection calls require validation within 5 days; What does a debt collector need to provide? [Fields vs. Weber Law Firm]; FTC Cass letter, 12/23/97; FTC Krisor letter, 3/3/92; FTC Wollman letter, 3/10/93; Are they legally licensed to collect the debt?; Illustration of the Process; How to Find a Creditor; Request letter; Validation of Debt; Proof of Claim; Ultimate Weapon; Summons response from debt collector who hasn't validated [Spears vs. Brennan]; Validate the Debt, 8/1/10; Suing Creditors: Suing your creditors; Serving a Collection Agency; Originating Jurisdiction for Rules of Service; Fields vs. Wilbur Law Firm; Handling Credit Bureaus: Letter to Credit Bureaus After Collection Agency Fails to Validate the Debt; Willful Noncompliance [15 U.S.C. § 1681n]; Credit Bureau Local Office; Notification of Lawsuit

Mortgage: Hilliard: Law of Mortgages; Obama mortgage plan simply gets participants to waive their rights, 12/18/9; 60 Million Mortgages May Have Fatal Flaws; Paying your credit card bill before the mortgage, 2/7/10; MBS, CDO's and CDS's In Layman's Terms; State Lawmaker Sued by her Bank; Bjerre: Secured Transactions Inside Out; Understand Finance; Flipping, flopping and booming mortgage fraud, 8/17/10; US House Mortgage Arrears Mount, 8/17/10; Droit Droit: Guidelines; What Federal Agency Regulates Mortgage Lenders?; Deposit Account Control Agreement; Foreclosure: Global Economic Criminals; Procedures by State; More people representing themselves; Stay Put; Foreclosure Judge Who Gets It, 8/31/9; Judge upholds three-word foreclosure strategy, 5/29/9; NJ Court Dismisses Foreclosure filed by Deutsche Bank, 7/14/9; Fighting Foreclosure in Fla., 7/19/9; Landmark Decision promises massive relief for homeowners and trouble for banks, 9/19/9; Sixty Million Mortgages Kaput?, 9/23/9; Fatal Flaws; Foreclosure Fraud - Guide to Looking up Public Records for Fraud; Who OWNS Foreclosed U.S. Properties?, Part I: Scam in the making, 10/25/9; Wells Fargo auctions off house they don't own and know they don't own, 11/16/9; Ruling may help homeowners trying to avoid foreclosure, 12/8/9; Lengthy Technical Process; Process in California; Mortgage Wars; Banks' sweetheart deals with FDIC are encouraging foreclosures, 2/12/10; Who OWNS Foreclosed U.S. Properties?, Part I: Scam in the making, 2/21/10; Widespread Assignment/ Notary/ Foreclosure Fraud- Deposition of David Stern Employee Cheryl Sammons, 2/22/10; Stop Foreclosure Fraud; Bruce McDonald Documents; Pigs with Lipstick, 4/20/10; Foreclosures update Secrets Revealed; Foreclosed Homes Sell at 27% Discount as Supply Grows, 6/30/10; Step By Step; lots of videos; Keep your house: Notice of Right to Demand Hearing, Abandonment of property and Order Disallowing Secured Claims, 8/25/10; Colin: Foreclosure Lecture; Judicial/ Non-Judicial: Judicial vs. Non-Judicial; Laws and Procedures By State; Non-Judicial Timeline; Produce the Note: Produce the Note; Show Me The Note Baby; No party in interest, no standing, no note, 5/21/9; Produce the Note; Produce The Note “How-To”; Protection Groups; What to do when they produce the note; What if Your Lender CAN’T Produce the Note?; How to use “Produce the Note” in Non-Judicial Foreclosure States; Mortgage Servicer Must Prove Up the Original Note, 2/25/10; MERS: MERS: This APPEARS To Be Unlawful!, 10/20/9; Mortgage Electronic Registration Service - FRAUD - Lawsuits - Stopping Foreclosures!, 7/15/10; MERS AND LAW OFFICES OF DAVID J. STERN SUED IN FEDERAL RICO ACTION IN FLORIDA, 7/27/10; Campbell vs. Baum, MERS, 8/17/10; Ellen Brown: Could 62 Million Homes Be Foreclosure-Proof?, 8/18/10; JUDGE SCHACK BLOWS ‘MERS’ and Bank Of New York (BNY) OUT THE DOOR!, 8/28/10; Foreclosure Defense Resources: Livinglies; Chink in the Armor; Matt Weidner Blog; 4closureFraud; Stop Foreclosure Fraud; video; Operation Restoration: How to Stop Foreclosure; How to Stop Foreclosure; Templates: FBI docs; Dispute of the Debt; Notary Public Instructions; Notary's Certificate of Service; Presentment Under Notary Seal; Subpoena; Step by Step Instructions for Registering Your Self Executing Claim; PO Claim - Cover; PO Demand for Settlement; Step by Step Instructions for Filing for Relief; Demand - Treasury- Cover; Demand-Treasury; Michael Rothermel: Mortgage Fraud Process; Stuart/ Rothermel files; How I reclaimed 3 of my houses free and clear legally in less than 90 days; Hard Questions for Secured Creditors; sample Deed of Trust; Legal Memorandum to stop summary judgment; docs; 4closureFraud: Rocket Docket Annihilator; Instructions, Affidavit, Motion to Dismiss; Answer; Defendant's Memorandum in Opposition to Plaintiff's Motion for Summary Judgment; Matthew Weidner: Memos & Motions: That will shut down the foreclosure mills; Case Law: GT vs. Deutsche Bank; Proof of Claim; Credit River Decision, 12/7/68, 12:15p: Jerome Daly: The Man Who Humbled the Federal Reserve; Court Documents

Handling Presentments: Recording Calls, Legally; Notary Presentment: County Notary - Highest Office in Law; files; American Society of Notaries; Law Works public files - Notary Handbooks; Manual; Honor-Dishonor; Manual; Documents; Anderson's Notary Manual; Freedom Notary Referral; Notary Presenters; Notary public wikipedia; notary; Parking & Paper Tickets: "I don't owe this."
Liens: Commercial Liens: A Most Potent Weapon; Maritime Liens; Commercial & Maritime Liens; Levies: docs

Acceptance for Value: Offer and Acceptance; Banker's Acceptances - Comptroller's Handbook, 9/99; Guy Euden; Does AfV work?; Pt. 2; What does AfV mean?; again; 2/12/10 format; Successful AfV of car insurance; Heru-Amon: Understanding AfV; pt2; coupon to money order; vesselassist; from 2012 book; examples; docs; Conditional Acceptance: How to do a Conditional Acceptance; again; 5 in 1 conditional acceptance template
Negative Averment: Denial of Corporate Existence

Government is Corporate: uSA v. USA; U.S. is a Corporation; Lisa Guliani - The U.S. is a Corporation; Paul Andrew Mitchell; Wall Street's Ownership of Government, 4/4/9; Federal Government is NOT the United States, 9/24/9; Trading with the Enemy Act; Clearfield Doctrine; D&B Office of U.S. President
Post Office/UPU: Establishing the Seat of Government; No Zip Codes; Domestic Mail Manual, 7/15/7; Posting rule; USPS Address Change A; B; audios & docs

Canada: Berryman: Remedies: Cases & Materials; Public Service Questionnaire; Natural-Person; Peace Bond; Think Free, Be Free; Canada Court Watch; Thirst for Justice; Land of Smaller Government, 8/9/10; Australia: Project Debtless Society

Three Useful Tools: We want to establish facts for the record, but it is best to be careful making positive statements (that may have to be proven); instead, whoever is making demands, put it on them (whoever they are) to make positive statements - make them prove it.
1) Negative Averment: An averment that is negative in form but affirmative in substance that must be proved by the alleging party. “There is no evidence that I am not correct in this matter and there is no evidence that you are not wrong in this matter, and I don’t believe that any such evidence exists.” You’re stating what is not; not what is.
2) Confession & Avoidance: A response in which the accused admits (via passive acquiescence) the allegations but asks for additional facts that deprive the admitted facts of an adverse legal effect. Accusation: "Is this your signature on this document?" Response(s): "Is there a defect in that instrument?" “Well tell me the defect is and I’ll correct it.” “Well, if there is no defect in the instrument, then why are you here?” “Why should I answer your question when you can’t even answer mine?” “Are you telling me that you are not even qualified to make any determinations on that negotiable instrument?" “Why are you here?”
3) Conditional Acceptance: A response, in honor without argument, that is a counter-offer. The only offer that is ever relevant is the one on top. Offer: "Let's go to town and go shopping." Counter-offer(s): "Sure, just come over and help me finish cleaning up the kitchen first." "I'll accept that upon proof of bona-fide claim in the form of a signed affidavit by you under penalty of perjury and under your own personal, unlimited commerical liablility within 30 days."


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