Monday, November 30, 2009


Make a claim for your rights.

One thing that I need to point out is that I have no distinction between black, brown, or white individuals. The reason I mentioned the caption in this way, this is the class of people that Chase had decided to bring the most foreclosures and illegal debt notices against. It was during this time that Chase lost a suit with their legal counsel (the same one that filed this) against a class action for collection fraud and illegal credit practices in foreclosures. Most were done to single parents or married and single signatures on the mortgage note. This was noted in the cases reviewed on the internet, not from Chase’s records.

On with the story and how Chase steals a home.

The pool area was finished and we were once again enjoying our children and our grandchildren. Our daughters were busy having children of their own. Our middle daughter had a little girl that had inherited her temperment. Although a very good baby, she was very independant (like her mother) and we enjoyed her and her mother when they stayed with us. Our youngest daughter recently married and had a new baby boy.

After work, grandpa and the boy would sit and watch the news and a movie. The boy soon earned the name of Stinky. Every night we would sit on the sofa and watch tv, he would mess his pants and I would have to get his mother to change him. By this time I was out of the diaper mode. This made life interesting and even 10 years later, this grandson is known as stinky. Now with a total of 12 grandchildren, we have a lot to look back at over the years. Most of the good times, the busy times, and the bad times were comemerated in photographs and movies. The time the 5 year old chased grandma with the salamanders he dug up, or the frogs he found.
Our business had done well enough that all the work done to build the pool, furnish the playroom and stock the bar was paid for out of our pocket. This was our first mistake. We should have financed the work on the house and saved the income to grow the company. We had a customer that was interested in injection molding equipment and setting up a plastics facility. This was something we were very knowledgeable on. We had recently helped sell off the assets of Playschool in Moscow Tn. And we had recently purchased the assets of one plastics plant from Sta-Right Corp in Wisconsin. We were selling plastic molders, compounding lines and extrusion equipment all over the country. We felt very confident that we could complete this transaction. This sale was going to be very cash intensive and require a lot of capital to purchase the items needed to fulfill the purchase order requirement. As most people are aware, a bank loans against your available credit limit. All items that are liabilities count against what you may finance. At this time, we owed very little on our property (under 80,000.) the property had an appraisal of over 350,000.00 and all furnishings belonged to us with no finance against any of it.

This included the 1964 ½ Mustang, The Chevrolet Conversion Van, and my Lincoln Town Car.

I did have my Lincoln Mark 8 and my wife’s new Mitsubishi financed with Bank One at this time. In order to increase my borrowing power, we decided to refinance the home and put it into my wife’s name. This way it did not count against my liabilities. We refinanced the home. We had a contractor install a new roof, windows, and a new front entrance door. (see pictures). The balance of the funds, were used to execute the 5 million dollar purchase order from Green Earth Technology. I went to Bank of New York and borrowed 1,100,000.00 for a manufacturing facility located in Illinois. The facility needed extensive repairs and cost us another 350,000 for repairs. We next moved in the injection molders, from 400 ton to 1000 ton units at a cost of 650,000.00. We also installed a complete reclaim line with a 4 ½ extruder and pelletize system.

We had to install a water re-circulation system for the molders and a vacuum system for the virgin product. The pictures will show some of this. As you can see, this involved a lot of time, a lot of work, and a lot of money. When we received the paperwork on the home mortgage, it was financed with Penn Financial at an extremely high interest rate. We only had the loan for about three months and Penn Fund was no more. The law enforcement officials had arrested the founder and owner of Penn Fund for fraud. (See paperwork) In the next sixty days, we received a notice from Option One. They had taken over the loan servicing from Penn Fund. We then sent our payments to Option One. Within four months, Option One was out and BSC was the new service provider of the loan. This timeframe takes us to Feb of 2000 when Advanta Mortgage became the service provider for the loan. At this point, we were trying to find out what had happened to our payments and when they would catch up to the provider. Please see the letter from Advanta and a copy of the response that was sent certified mail. The date of the letter from Advanta is Feb of 2000. Bank One filed a foreclosure action against the property in April of 2000. Bank One was not the lender, service provider, or was their name mentioned in any of the paperwork that had arrived to date. Nowhere in the paperwork that had arrived, was any notice that the loan had been accelerated, or that a foreclosure suit was in progress. There was never any notice of a lawsuit, foreclosure or pending sale sent to our address as required by law and by our loan documents. I have posted the motto of JP Morgan for the readers to follow as we show how they do not follow their motto and should remove this piece of fictional advertising.

Motto of J.P. Morgan


First-class business in a first-class way

"I have ventured to frame a brief statement of my views on the subject of duties and uses of bankers.The banker is a member of a profession practiced since the middle ages. There has grown up a code of professional ethics and customs, on the observance of which depend his reputation, his fortune, and his usefulness to the community in which he works.Some bankers are not as observant of this code as they should be; but if, in the exercise of his profession, the banker disregards this code - which could never be expressed in legislation, but has a force far greater than any law - he will sacrifice his credit. This credit is his most valuable possession; it is the result of years of fair and honorable dealing and, while it may be quickly lost, once lost cannot be restored for a long time, if ever. The banker must at all times conduct himself so as to justify the confidence of his clients in him and thus preserve it for his successors.

If I may be permitted to speak of the firm of which I have the honour to be senior partner, I should state that at all times the idea of doing only first-class business, and that in a first-class way, has been before our minds. We have never been satisfied with simply keeping within the law, but have constantly sought so to act that we might fully observe the professional code, and so maintain the credit and reputation which has been handed down to us from our predecessors in the firm. Since we have not more power of knowing the future than any other men, we have made many mistakes (who has not during the past five years?), but our mistakes have been errors of judgement and not of principle.The banker must be ready and willing at all times to give advice to his clients to the best of his ability. If he feels unable to give this advice without reference to his own interest he must frankly say so. The belief in the integrity of his advice is a great part of the credit of which I have spoken above, as being the best possession of any firm. Another very important use of the banker is to serve as a channel whereby industry may be provided with capital to meet its needs for expansion and development. To this end the banker can serve well, since, as he has at stake not only his client's interests but his own reputation, he is likely to be specially careful. If he makes a public sale and puts his own name at the foot of the prospectus he has a continuing obligation of the strongest kind to see, so far as he can, that nothing is done which will interfere with the full carrying out by the obligor of the contract with the holder of the security."

J.P. Morgan, Jr., May 23, 1933Excerpt from statement made before the Sub-Committee of the Committee on Banking and Currency of the U.S. Senate.Image: Frank O. Salisbury, portrait of J.P. Morgan, Jr., 1933 (detail). Courtesy of the JPMorgan Chase Archives.


Listed below are your rights and my rights given to us by the Constitution of the United

States. I have listed these for the people who are not aware that JP Morgan and Chase will violate any and all of them if given the chance.

Personal Security (Life):

(1) Not to be killed.

(2) Not to be injured or abused.

Personal Liberty:

(3) To move freely.

(4) To assemble peaceably.

(5) To keep and bear arms.[18]

(6) To assemble in an independent well-disciplined[13] militia.

(7) To communicate with the world.

(8) To express or publish one's opinions or those of others.

(9) To practice one's religion.

(10) To be secure in one's person, house, papers, vehicle[14], and effects against unreasonable searches and seizures.

(11) To enjoy privacy in all matters in which the rights of others are not violated.[7]

Private Property:

(12) To acquire, have and use the means necessary to exercise the above natural rights and pursue happiness, specifically including:

(1) A private residence, from which others may be excluded.

(2) Tools needed for one's livelihood.

(3) Personal property, which others may be denied the use of.

(4) Arms suitable for personal and community defense.

Non-natural rights of personhood, created by social contract:

(1) To enter into contracts, and thereby acquire contractual rights, to secure the means to exercise the above natural rights.[1,15]

(2) To enjoy equally the rights, privileges and protections of personhood as established by law.

(3) To petition an official for redress of grievances and get action thereon in accordance with law, subject to the resources available thereto.

(4) To petition a legislator and get consideration thereof, subject to resources available thereto.

(5) To petition a court for redress of grievances and get a decision thereon, subject to resources available thereto.

(6) Not to have one's natural rights individually disabled except through due process of law, which includes:

b) In civil cases:

(1) To trial by an impartial jury from the state and district in which the events took place[1] where the issue in question is either a natural right[1] or property worth more than $20.

(2) In taking of one's property for public use, to be given just compensation therefor.

(3) To have compulsory process for obtaining favorable witnesses.[1]

(c) In all cases:

(1) To have process only upon legal persons able to defend themselves, either natural persons or corporate persons that are represented by a natural person as agent, and who are present, competent, and duly notified, except, in cases of disappearance or abandonment, after public notice and a reasonable period of time.[1]

Next, our house is for Sale.

Tuesday, November 24, 2009



You find out how true this statement is when you have a recreational area like this one.

When the local pubs would close in the area, we would be invited to our home for an after hours party. The parties never got out of hand but we did have a few sleep-overs that were safer on the floor versus an automobile. We had a fun time and a lot of parties including water volleyball tournaments. (the reason for the net in the picture) By this time our company had grown in size and the rest of the basement was converted to offices (see pictures) the house was done in troweled plaster and stucco walls as were the walls in the basement. This gave the home a look similar to some I have visited in Mexico in the region near Merida and Progresso Mexico. They look very nice but if you rub against them, they will remove your skin. Enough talk about the walls in the house. Our children were busy having children and our employee’s were busy having children. Andrea Walker, the local Sheriffs daughter was one of our employee’s that had recently given birth. Desi and Leon were another that gave birth while employed and Suzy soon after she left our employment. We had grown our company to a total of 12 employees and we were very pleased. We took this from a company that did consulting for about 1000.00 a week to a company that paid 12 people from 20 to 70 thousand a year with bonuses and still showed a profit of 600,000 to 700,000 per year. Our children lived within a few hours of us and we got together frequently for family outings. Our children were also raised on the water as we had a 57 ft cruiser on the local river. As the children were growing up, we spent almost every weekend on the boat. As they left the home, this did not change. We still got together during the summer at the lake about 40 miles from our home. My wife and I enjoyed our family and our grand children. We would take tons of pictures, like when they caught their first fish, trying to bait the hooks, (I don’t know who squirmed the most the kids or the worms.). Pictures of the four year old as we built the pool. Here is one story that sticks in my mind. He decided to help shovel the sand into the bottom of the pool. We had hired local labor to shovel the 10 tons of sand into the pool. As they were carrying the sand, one made the comment that this sure as hell was heavy sand. As my grandson brought his shovel full he said Grandpa, this sure as hell is heavy sand isn’t it. Although not appropriate for a four year old, I remember that today as if it were yesterday. That was 14 years ago. My how time does pass. The children were in and out as they tried to get their lives under control. They would come home bring their furniture and store it in our barn. They would leave and sometimes the furniture would go with them and sometimes it would stay for a while longer. But they always came back home for the holidays. It was during the holidays that the cooking and baking took up most of the day the girls were in the kitchen with grandma. The boys were either playing pool, in the hot tub, drinking beer and telling stories or playing volleyball in the pool and telling stories. We had a very fun family and we all enjoyed each other when we got together. Enjoy the pictures.

Next how we came to be with Chase Bank






Monday, November 23, 2009

My Mother-In-Law is greatly missed

The project took about three years to complete. My wife, our children, my Mother-In-Law and myself completed the work. By this time, I was put on medical disability from Cat for heart and lung condition. I had previously undergone 4-vessel heart bypass surgery and before that I was involved in a chemical mishap at Cat. This was not that much of a concern at that time as the company we owned, Manito Machinery was doing very well. We needed to finish the basement into offices for our company now that the pool and water line problem seemed to be fixed. See the pictures of the finished product below. We finished the poolroom with solar panels in the roof to automatically heat the pool. We added a hot tub that held six people and redwood cabana, which housed the televisions, stereo, and refrigerator for cold drinks. We installed two baths for men and women with showers, sinks and stools. We added a nice pool table my wife had gotten me for Christmas gift. We also had an exercise and weight area to keep in shape. We included a play area for the grandkids that had their toys, small tables and chairs and bean bag seating. At the other end was the grownup area, full bar, tables full of dishes and server trays, food warmers and stereo speakers to drive the neighbors bonkers. Outside the east sliding door was a concrete patio that held our wooden outdoor furniture, our gas and charcoal grills. We were ready to party with the best of them.

The reason I think this increased the life span of my Mother-In-Law

Sharon had come to live with us in 1993 when she was diagnosed with lung cancer. At this time, the doctors gave her an 8 to 16 month expectancy of life. As we built this area of our home which she was a distinct part of in labor and decoration, we kept her busy on the days she felt good enough to be involved. We had her nail lumber, hold drywall, and paint the floors and screw in the decking on the floor. This was definitely the room that Sharon helped to build. A short story comes to mind. I was installing the rafters for the ceiling from the top of a ladder. I was using an air nail gun to put this together. Sharon was in the house while I was working. I missed the rafter bracket and nailed my hand to the rafter. I t hurt bad enough and startled me enough that I kicked the ladder out from under me. I was hanging on to the rafter for dear life and yelling for Sharon to help me. All the yelling finally got her attention and she came out of the house to see what the problem was. I asked her to first set up the ladder again and then to hand me a hammer. Once I was back on the ladder, I took the hammer and pulled the nail from my hand. I was free to move once more and very thankful for Sharon being there. We finished the project in April of 1996 and in the month of May 1996, my Mother-In-Law requested my wife take her to the funeral home so she could make her own arrangements. She did not want to leave that for others to do. My Mother-In-Law passed from this earth in June of 1996 in her bedroom in this home with my wife and myself holding her hands as she said her last goodbye. As the days and years went on, we did get rid of some of her clothes. They went to the people that needed them the most. The rest of her belongings we had left in her room as if she was coming back home. I don’t believe she ever left the house.  I think I could still hear her.  All of the kids blamed Grandma when something funny happened.  I know they all miss her.

Next the children and their children invade us.

Friday, November 20, 2009

We are Joined by my Mother-In-Law

As I mentioned in the last post, my mother-in-law was just diagnosed with lung cancer. We spent a lot of time in treatment and radiation therapy. It seemed that she had just about given up on life and had no drive or dedication to do anything. It was at this time we decided to try something different. We were in the process of trying to fix the original crack in the outdoor pool. This is the one I spoke of earlier. The pool was 20 foot by 40 foot long and they had poured concrete on all sides of the pool. Just sealing the crack did not fix the problem as we also found busted water pipes under the concrete. The pool was a diving pool (4 foot depth one end 10 ½ foot deep in the diving end ) we decided we had to remove all the concrete around the pool to fix the leaks into the basement. We gave my mother-in-law the opportunity to help with the destruction and new construction of the floor around the pool. She enjoyed getting outside and helping with the work. We brought in a jack hammer and busted up all the concrete around the pool. We then had to locate the broken pipes and repair these to stop the leaks. This had given her a reason to get out of bed each day. The prospect of being useful and needed gave her a new renewed energy. This lady that was having treatments for lung cancer with radiation and chemo therapy was difficult to keep up with. My wife and I decided to take this a step further and enclose the pool so it could be used year round. My mother-in-law helped me on the days my wife worked over at the hospital. Working together drew my wife and her mother closer together than they had ever been since my wife’s birth. We had a lot of fun and did a lot of work in the following 3 years it took to build this structure. This was definitely a spare time project that took a lot of spare time to complete. The pool that had the crack could not be fixed so it would not leak. We took that concrete pool and filled it with sand with the help of our 4 year old grandson and several others. We made the depth a uniform 5 feet. We then raised the outside by 2 concrete blocks and tied in new wooden plate frame. We had a special vinyl liner manufactured to fit the new measurements of the pool. This stopped the leaks into the basement. We then put up the walls and windows. We installed 16, 4 foot by 6 foot windows around the walls and two sets of 8 foot sliding doors for entrance from outside. The room measured a total of 48 feet wide by 98 feet long. This was a lot of extra work, but we got to spend a lot of family time together and we got to enjoy our grandchildren in their young years as they grow and learn.

The picture shown is only one of many from this part of the home. This picture will show some of the blood, sweat and tears that went into this.

Monday, November 16, 2009

A Review of Our Daily Life

When we moved into the home, there was myself, my wife, one of our daughters and her husband in the home. One of the pictures below of the fire place and family room shows most of the children's pictures. I was currently employed at Caterpillar but on strike, my wife was in nursing at the hospital. At this time, our company which was formed in 1984 had been hired as a consultant to a local fabrication and machine company. We were hired to increase sales of the company. During this time, we worked and helped design a lot of the no till products. We initially got the contract for production of the parts. The company produced about 90% of the no till products in the USA. When our company started the project, the local firm had 6 employees and little production equipment available. In the course of 8 months, the firm grew to 60 employees, several new production machines, robotic welding, and powder coat painting. We were able to deliver and exceed expectations for production. While I oversaw the on site operation, my wife was making the necessary financial and operating decisions at the office, and working full time at the local hospital. We still managed to sell machinery and machine tool accesories during our busiest time. This was in the early 1990's long before computeres were in every market and home. All of the contacts with customers at that time were either in person, or by phone or fax. All the information was then stored in file cabinets and on computer disks.  This is how we built our data base records.  This will become an important part of our problem with Chase Bank as these are the very records they destroyed, and cost us over $500,000.00 dollars.  This is the amount of money we had paid our employee's to make the phone contacts, and build the data base we used for sales.  But lets not get ahead of ourself.  It was right after we moved into the home that we found out my wife's mother had lung cancer.  My mother-in-law was a very stubborn person and would not ask for help from anyone.  She had lived in our home several years prior as our children were growing up.  She was definately a force to reckon with.  She got along well with my parents before they passed away, my father from a brain tumor and my mother, the year before we purchased this home, from a blood clot after heart surgery.  I only make mention of this because they lived in Toronto Canada with government run health insurance and when they got sick, we had to bring them to the states to get any treatment.  The doctors in Toronto had a six week wait to get a bed for a patient in the hospital.  We still had mothers china and silver that was left to us along with the antique china hutch.  Other than that, we had memories and pictures of our parents and our children doing fun things.  Rides at six flags, fishing in the lakes, boating on the river, Christmas baking of candies and cookies, school plays and sports competition.  These are some of the events that we had pictures and movies of.  Normal everyday memories that are associated with a home, parents, and raising children.

This picture is of one of the offices in the basement on the home.  The basement was big enough that we had a Haloween party that had 157 people and a five piece band and we still had room to party and have fun.

Picture of china hutch, china in the hutch and silver service on top of the hutch and pictures of grand children.

In the nex't section, I will explain how we used the home to give my mother-in-law 2 years of life more that the doctors had thought possible.

Saturday, November 14, 2009


In the beginning, around 1990 My Wife and I purchased this home from a local bank. The home having been built by a local contractor was well constructed. The contractor had seen rough times as a result of the 1980's local ecomony. We purchased the home and its faults. The inground pool had froze and cracked the bottom concrete. The water was draining into the basement and flooding the basement. The walls had to be replaced along with the carpet on the floors, the heat, that air system and the water heaters. We moved into the home after repiars to the basement were completed. The home was around 6000 square feet of space on 2 acres of land. The space was comprised of 6 bedrooms, 5 bathrooms, nursery, formal living room, formal dining room, den, family room, kitchen, and breakfast room. We realy needed the space as we had seven children, 3 boys, 4 girls, and when all were home, the house was full. The basement had been turned into offices for our business. During the construction course, the pool bottom was never repaired quite right and we got a pool of water across the basement floor in the heavy rains. This was something we would have to deal with down the road.

Pictures of the home are attached for your viewing. The first picture is showing most of our childrens photo's and part of the family room.

Friday, November 13, 2009

Chase Bank commits Financial Murder of Female

Follow along with us as we unfold the story of Chase Bank and Bank One and the illegal foreclosure that they did to a middle age, middle class, mother of seven, small business owner and major bread winner. Not only did they foreclose a mortgage they did not own, they trampled the constitutional rights of the people involved. Follow along with us as we lead you over the last 10 years of our nightmare. We will share with you our good times, our bad times, our deaths, and the new births that have given us hope. We will show how Chase Bank created and administered a fraud on the court system, conspired to commit perjury, conversion, and racketeering. We will prove that Chase Bank and their partners in crime stole and removed the personal property belonging to this family without any court document that gave them this right. Can you say violation of constitution. We would encourage any and all of the readers with a similar or like story to add that to the comment section of the blog. By adding these, all people will understand that this financial institution will walk all over your rights for a penny. Be afraid, be very afraid of this institution they will steal from you and bury you and your rights before you know it.