Wednesday, October 19, 2016

TENNESSEE DEPARTMENT of COMMERCE AND INSURANCE - will my second complaint filed today open a real investigation? Or will it suffer the same fate as the first... limited, cursory, and giving a pass to white collar criminals?

I just filed a second complaint with the department within TN government that oversees the licensing of appraisers. My hope is that they will do their jobs.  My first complaint, now closed (complaint #201501190) described theft of my home by white collar criminals based on a series of fraudulent appraisals. The complaint was closed with a mere slap on the wrist to the last involved appraiser and no acknowledgement or apparent recognition of the chain of theft and crimes that were committed.  

Passing the buck they've suggested that I hire an attorney (I can't afford to do so) and that this is a job for a district attorney.  Well... what about the TN Attorney Generals Office?  And... from whom do they imagine these referrals come?  The TN Department of Commerce and Insurance is failing in their duty to protect disenfranchised TN citizens.  And they know it.  

More important for the welfare of TN citizens, those in control of outcome of my complaint chose to constrain and limit the investigation.  Despite the threat of ongoing theft per the same chain of theft assaulting other victims they are basically done.  And done with me.  I'm now supposed to give up and go away.  Well, sorry I care about future victims, even if they don't.  I've now asked them to open a new investigation based on the complaint I filed today.  

In the first complaint they ignored the fraud riddled and decoy HUD1 along with other selected and incomplete paperwork supplied by the appraiser in his defense. They have refused to meet with me to look at my evidence.  Why?  Because God-forbid they might actually be then required to do more than a cursory, deliberately limited and superficial investigation into a practice that has wide spread and toxic implications for homeowners all across this state.  They are protecting the criminals in failing to investigate the role of fraud-serving appraisals of my property in execution of what the FBI calls a Property Flip - Equity Skimming Scheme upon which corrupt, secret, and false property valuations depend.  

At the core of operations of this type of scheme are both the kingpin REO Private Investors who target these properties directly to banks, but must also collaborate with those willing state licensed appraisers (required of an FHA Loan) who will sell their integrity by affirming a corrupt valuation. Remember... this is an equity skimming scheme.  Undervalue the equity and resale value to banks (bank fraud) and the dollars add up fast.  Add to that an inflated and, or, bogus home improvement loan.  Then multiply whatever average the theft number come to by thousands of victims.  The TN Department of Commerce and Insurance is turning a blind eye.   

A fraud narrative establishes the right of third party REO Investors to obtain mortgages directly from the banks with no disclosure to homeowners like Linda Howard (her story below per Sept. blog.)

My home was sold to REO Investors in May 2011 by Bank of America, per a JP Morgan Chase bank loan taken out by the REO-fraudsters.  The sale and disclosing filing instruments were withheld from public scrutiny and deliberately not filed at the Register of Deeds Office in Fayette County, TN. This omission serves to impede recognition of this illegal first (flip) sale which under-valued my home by over $130,000; the corrupt first appraisal being a significant red flag.  There was no disclosure of this sale, nor of the change in Note Owner or change in the Mortgage Servicer ever made to me by Bank of America. The single goal was now the illegal seizure of my home based on threats, misrepresentations of authority and lies per ERA Chamberwood Realty Group functioning as the decoy Real Estate Company for Keller Williams - MEM 2, LLC.        

During the same period, in May 2011 that Bank of America secretly off-loaded my home for $100,000, I attempted to sell my own home. Taking the advice of my realtor who conducted comparisons of similar properties in my immediate neighborhood we agreed to at a sale price of $234,000.  This sale price is documented per MLS No.3223195 which ran from 5/5/2011 thru 11/6/2011 (6 months) and is the one and only legal valuation and listing that is not a fraud device.  The Crye Leike Realty marketing photographs taken by my Realtor on 5/5 2011 were later commandeered by the fraudsters to posture improvements made that were not needed; a fact that the TN Department of Commerce and Insurance has totally ignored despite requests by me that this be addressed i.e. to investigate how these photographs were presented in the Billings defense of my complaint.  Unknown to me, my home was then shown as REO Owned over industry only platforms and over the MERS system at the ludicrous sale price of $100,000.  

Of course, serving the fraud narrative, Larry Billings omitted the one and only valid listing and valuation of my home by Crye Leike Realty (MLS No.3223195) from his HUD comparisons since it contradicted his own conclusions which the REO Private Investors needed to perfect the chain of theft of my home per a last flip with Evolve Bank & Trust.  This was by no means even minimally addressed in the final conclusions of that first complaint.  Billings likely had nothing to do with the first appraisal that justified the sale for $100,000.  He could turn whistle blower and call the District Attorney's Office.   

Needless to say whatever illegal appraisal justified this sale price at $100,000 - a day glow red fraud flag - did sabotage my listing and prevented me from selling my own property at a time when I lived in my home. The role of the various Appraisers and fraudulent valuations utilized as a fraud device is not addressed in any way by the TN Department of Commerce and Insurance.  I have to assume that complaints by other TN residents running along this same vein have been systematically derailed in the same manner and per the same level of negligence by those with the power and duty to protect TN Citizens from white collar criminals.   

Keeping targeted home owners in the dark is exactly where con artists need their victims.  

So.. will the TN Department of Commerce and Insurance actually investigate theft of my home upon which a series of fraudulent corrupt appraisals by Licensed Professionals depend.   So far the answer is a resounding "no."  The investigation they did was superficial, cursory, and carefully constructed to limit the scope of their responsibility. 

Ask yourself.  Who does this failure help? Who does this failure hurt?  Count on the fact that when interest rates rise the numbers of TN victims who will be totally blindsided by theft of their homes will rise making some of these families and seniors homeless.  I'd like to see that addressed and dealt with now.  

I'll keep you posted as to whether the TN Department of Commerce and Insurance will open another complaint file that addresses these larger issues and actually investigate these crimes.  Or will they allow corrupt appraisers to continue serving the REO Fraud Network.  The Cook County Property Theft Unit (TN doesn't have one) has said that it is easier to steal a house than a car in the United States of America.  Sadly this is true.  

Wednesday, September 28, 2016

NATIONSTAR MORTGAGE COMPANY and LINDA HOWARD: Illegal Seizure and Theft of American Homes. Where is law enforcement? Why is the Investor that targeted the Howard home for theft not brought up on charges; not even named in her law suit?

Linda Howard and her husband, Memphis residents and senior citizens, made all their house payments on time and still had their home stolen by the same pattern of operation that impacted me.  While there are twists on this type of scheme and each person is in a different position the chain of theft is the same.  The theft process involves the transfer of the loan for servicing to a third party Servicer-Entity like Nationstar. How many times the loan is transferred (re-conveyed) and, or, sold is concealed by Mortgage Electronic Registration System (MERS).  I suggest that Linda obtain the MERS transfer history of her property to discover the identity of the Note Owner that engineered and directed the actions of Nationstar Mortgage.  

Has her attorney done so?  On 9/27/2016 he told me "no."  I can't speak to Kevin Snider's decisions.  I don't know the details of Linda Howard's case.  However, many attorneys want quick settlements.  They deliberately limit these types of cases not naming all the culpable defendants.  This only empowers the perpetrator-criminals to continue the reign of theft of private property by this same operational means.  Or perhaps, Linda herself decided not to pursue other defendants.  I just hope Linda and her family were given a choice.    

Profit is always the motivation.  The incentive to keep this bottom feeder industry going to the detriment of the public welfare.  The secret and never disclosed Note Owner identity is carefully concealed in various documents; sometimes behind an REO ID number or a proxy-decoy Note Holder identity.    

It is the Note Owner (different from the Note Holder) that directs the hiring and then the actions of the third party Servicer-Entity like Nationstar Mortgage.  Often the Mortgage Servicer-Entity, that mortgage company hired to service the loan, is not hired for that purpose.  The goal is to engineer theft by deception.  The illegal seizures and phony foreclosures of these properties are "flips" of that property (laundering the title) among the same parties.  Often this is accomplished by use of the Warranty Deed serving as a fraud device. The goal is to feed the lucrative secondary REO Investor Industry where large fees and kickbacks are far more profitable than honestly depositing and assigning homeowner payments.  

Five years ago there was a glut of at-risk properties held by banks.  That is no longer the case.  Therefore the industry itself is targeting innocent victims like Linda Howard.  Many victims are locally targeted by the REO Industry looking for "marks" unlikely to fight back.        

Don't blame the victim.

Linda Howard was totally blindsided. Her home would have been sold, with no disclosure whatsoever made to her, before that first house payment was ever sent back. In this system of operation Linda saw various fees charged to her with no explanation.  This is the criminal enterprise conspirators charging her for theft of her own home. These homes are targeted for the equity theft potential.  They are undervalued via fraudulent appraisals.  It is this targeted equity that makes the fraud scheme lucrative for the con artist fraudsters.  See the Andy Wise reporting on the Linda Howard theft.  WMC Action News 5:

I had a relationship with one member of the con artist REO Investment Club during the period that my home was targeted for its equity and the fraud schemes transpired.  I did not recognize this person for the job she was sent to do, getting her foot in the door as the con-artist "front" woman.  I don't believe any person reading this would have recognized that they were targeted by serial scammers until after the fact. 

Like Linda Howard, the knowledge to be had that could inform what was actually taking place, knowledge I was lawfully and rightfully entitled to from Bank of America was never disclosed.  I therefore was incapable of mounting a defense, exactly the position that skilled con-artists need their victims placed in.  Sale of the note to my home and secret change of the conspirator Servicer-Entity was illegally withheld by Bank of America, and by every other player hired and dancing to the tune and direction of the REO Criminal Private Investor Group aka the secret Note Owners.  

This type of property fraud scheme requires a wide net.  It requires the expertise of a number of professions. The people behind those professions carry various degrees of culpability.  Unless I named them in the Civil RICO case I filed on 4/20/2016 with the Amended Complaint filed 8/23/2016 I have no plans to name them in the book I'm writing "In the Shadow of Goliath"  

I believe that all were induced by profit and the promise of ongoing business.  For some it was gaining inside access to a closed industry with the grandiose promise of large sums of money that could be made from the secondary troubled property/at risk mortgage industry.  All the players, by various levels of inducement lent and put at risk their professional credentials to a corrupt group of sociopaths.  The supporting cast in these types of Property Theft include title companies, lawyers, appraisers, insurance companies, loan officers just to name a few.   This supporting character list extends to those who fail to investigate these crimes. 

Why so many players induced to take part 
in these con-artist schemes?  

Because laundering the title of a stolen home is akin to laundering illegally gotten drug money.  The Mortgage Electronic Registration System (MERS) business model is perfectly fitted to these property theft schemes.  The title to the home must be flushed through a chain of operative steps creating distance and concealing from any hero-investigator the identity of that entity who purchased the home in the illegal first assignment of the mortgage and then networked with the Servicer-Entity.   This process is essentially a twist on the classic Property Flip-Equity Skimming Scheme. After several secret and never disclosed "flips" engineered via fraudulent appraisals that slowly increase the valuation of the property (bank fraud) the final transfer and, or, sale emerges into the public record.  

In my case this last step is represented by a sale to two straw buyers, Keller Williams - MEM 2, LLC, Realtors.  This husband and wife team/Realtors acted as the selling office, the selling agent and then after the requisite number of property flips the purchasers.  ERA Chamberwood Realty Group acted as the decoy selling office.  The agent from Chamberwood acted as the Criminal Enterprise muscle forcing me from my home under threats, misrepresentations of authority, and blatant lies.  Both ERA Chamberwood Realty Group and Keller Williams shared a conflict of interest commission as documented in one of two fraud riddled HUD 1 per Evolve Bank and Trust.  Evolve Bank and Trust failed to perform fraud checking due diligence that would have revealed the twist on the Property Flip-Equity Skimming Scheme.  This final sale/flip per Evolve Bank and Trust among same parties allowed the Property to emerge into the public record disguised and masquerading as just another arms lengths transaction absent any conflict of interest.  Linda Howard will want to uncover what will be a similar chain of theft, following the trail of her Property Title and comparing what is filed in the public land records and what is strategically withheld from the Shelby County Register of Deeds Office.  One trick is that legal instruments are wrongfully filed in neighboring counties or even counties with the same name in other states.  

Without a doubt the Linda Howard Property will soon emerge by a similar theft pattern into the public record with all equity legally belonging to her stolen by REO Investor con-artist's aka White Collar Criminals.   

My heart goes out to Linda Howard.  She will be wise to obtain the transfer history of her property from the highly secretive Mortgage Electronic Registration System and uncover by what means/process her home was first identified for this version of the Property Flip-Equity Skimming Scheme.    

The long range goal.  The majority of the mortgages targeted for this type of theft, many owned by senior citizens, are pooled and sold directly to investment companies whose single goal is not to service the loans, but to evict the homeowner and bundle these properties as rental properties to be bought and sold as a Wall Street commodity.  

Deregulation by politicians, influenced by special interest groups in Washington, has allowed the Wall Street speculators to engineer this market.  The end result has made many victims homeless meaning that the cost to tax payers and social services is huge.  The common denominator behind these types of schemes is that BANKS,  the THIRD PARTY SERVICER-ENTITY like Nationstar in the Linda Howard theft, the WALL STREET SPECULATORS, and THE REO PRIVATE INVESTORS have colluded to commit wholesale theft and illegal seizure of untold numbers of homes from American Citizens. 

At no time during the chain of theft, creatively adapted to each situation, is there any disclosure of what is actually taking place.  This disenfranchised both me as it did Linda Howard from any means of defense during the period that the fraud schemes transpired. By the time Linda Howard began having her house payments returned she had no idea, and likely still does not, the true Note Owner identity that targeted and already had control over her Note/Mortgage. 

For this reason all Linda's desperate efforts to correct the Nationstar record went unanswered.  Nationstar Mortgage was far enough down the road as a fraud collaborator that there was no turning back.  No calling Ms. Howard and saying... "Oh so sorry.  We got your letters and realize a horrible mistake was made."  No!  This is not an administrative problem, minor mishap, or communication glitch.  This is a Criminal Enterprise theft of American homes.  Acknowledging Linda's many letters would have put Nationstar Mortgage at legal risk admitting fraud.  More important to Nationstar... admitting mistakes and reversing the bogus foreclosure of the Linda Howard home, a foreclosure that is in truth just another transfer of the title among con-artists, could result in the loss of business in the highly competitive arena of serving the REO Private Investor Industry.      

This is where law enforcement is needed.  Where are they? Often change comes from the ground up and not the top down.  I hope this and other blogs on my case will help inform those just trying to discover by what means they were targeted and victimized by a Property Theft Criminal Enterprise, Theft Ring. Let's not be silent.  Serial Con-Artist Schemers count on us not mounting a defense.  And by the way... if this happened to you and someone tells you the statute of limitations has run out... the truth is that under RICO (Racketeer Influenced Corrupt Organizations Act) that statute of limitations (4 years for RICO) - that clock starts when you realize how you were scammed.  So if you are reading this find an attorney who won't lie to you about this and do your homework.  

My outlook email was hacked, but you can call me or connect over Facebook.  901-504-9704.  

All Whistle Blowers welcome.  And, I'm without an attorney. If there is someone out there willing to take on this Civil RICO Private Right of Action I'd be grateful.  

Thursday, September 15, 2016


Under the Tennessee Open Records Act I've just mailed off a request for information from the TN Department of Commerce and Insurance. It is this Department of Tennessee government that oversees licensees; Real Estate Professionals and Appraisers; while overseeing outcome of any complaint made by a Tennessee citizens.  If you want to read my original complaint it is Complaint No.201501190. This department is sitting with clear evidence of an illegal Property Flip-Equity Skimming Scheme, Bank and Mortgage Theft, facilitated by multiple fraud-serving appraisals and five "flips" that began with my home being under-valued by over 100,000. Your TN tax dollars at work... so far the Department of Commerce and Insurance have taken no proactive steps to investigate these crimes.  

It seems that some employees I've talked with are decidedly invested in protecting the perpetrators a.k.a. the Criminal Enterprise. The goal appears to be, "damage control," in favor of the white collar criminals cloaked in legitimacy with large sums of money at their disposal. Tennessee authorities have not, so far acknowledged that a crime was even committed and have told me that they have no plans to refer my case to any other investigative unit of state government.  Even though I've offered them evidence of 32 other pattern examples.  Other properties taken by the same methods so that those homeowners have no recognition of what has transpired and how they illegally lost their homes.      

Watching Doctor Phil today it has seemed similar to the intractable position of the Boulder Police Dept in blind pursuit of Patsy Ramsey despite clear DNA evidence that ruled any member of the Ramsey family out in the first weeks of the crime having been committed. The same psycho-dynamics and self imposed blindness is at work in my case. The TN Department of Commerce and Insurance can consider no scenario except the fraud narrative that slandered me and the Title to my home.  They seem to have buried their heads in the sand and have chosen to protect white collar criminals; at times blaming and scape-goating me, the victim, for having the gall to launch a formal inconvenient complaint. My expectation that TN Government will work to protect other Tennessee citizens from the very real threat of ongoing criminal activity, is offensive to people whose jobs appear to have placed political agenda's above the public welfare.  And... above the law.          
I await the result of my request for records and disclosure of those records submitted by the perpetrators in defense of a fraud narrative inserted into and corrupting bank records and therefore trailing into other records.  

In the past getting information has been like pulling teeth. I'll let you know the outcome since I've decided that being circumspect has only empowered the criminals.     

Thursday, September 8, 2016


Sometimes we hear people quote little sayings that fall into the category of common sense advice.  "One bad apple spoils the entire barrel" is an example.  

As I watched Fox News and listened to Rudy Giuliani and Judge Andrew Napolitano, a former deputy director of the FBI whose name escapes me, and others comment and even lament for the now damaged reputation of the current FBI director and the significant failure of the FBI and the Obama Justice Department to treat Hilary Clinton like any other citizen who has broken the law. Well, I felt sad and even tempted to discouragement.   

When civil servants who hold the public trust fail to protect the greater welfare of "we the people" the system itself is invited to accept corruption as the new reality. I felt sad for the greater societal threat to our democratic institutions posed by all the marshaled resources that have come together to postpone justice while protecting and mitigating the criminal behavior of the proverbial "bad apple."    

I went looking for the one bad apple quote in scripture. While I did not find it, the principal is most decidedly expressed by the Apostle Paul.  

Paul writes: "Your boasting is not good.  Do you not know that a little leaven leavens the whole lump of dough?  Clean out the old leaven, that you may be a new lump, just as you are in fact unleavened.  For Christ our Passover also has been sacrificed (1st Corinthians 5: 3).  

1st Corinthians, Chapter Five speaks to church discipline; not the topic of this blog.  I'm more preoccupied today with how corruption seeps into societal and political structures. 

I've had my own experience of this over the last four years in my repeated attempts to achieve justice, not just for myself, but for the many other victims defrauded by a criminal enterprise cloaked in legitimacy and whose tentacles of corruption have seeped into other societal structures.  As I watched the news last night I drew parallels between the Clinton email scandal - and my own email debacle.  How both the justice department and the FBI have chosen to take extraordinary steps by omission to protect a woman who has clearly broken the law.  And how the FBI who took my case away from the IRS... or so I was told by the IRS investigator has not even bothered to interview me.      

The process of leaven working cannot be seen by the human eye. It requires darkness as we cover the pans of bread with a towel and place the pans in a warm place conducive to the dough's expansion. In Paul's word picture to the Corinthian believers, we are called to examine motives and actions for the infiltration of leaven having rendered ones very character salt-less and therefore useless to effect justice.  The Biblical concept of leaven as corruption working through a lump of dough slowly and by degrees so that the lump itself is molded by human cooperation with sin into something else entirely challenges all of us.  

Confession of life stealing sin is beautifully modeled for us in Psalm 51.  Remembering who and what we are, the greater upward call of Christ Jesus to stand for justice provides the courage to take a stand for righteousness.  Even to reverse course.  Because...  bottom line, when it comes right down to the basic common denominator; the true leveling (not leavening) equalizer: But Godliness with contentment is great gain, for we brought nothing into this world, and it is certain we can carry nothing out.   (1st Timothy: 6: 6,7).  

Paul writes: 
Let us therefore celebrate the feast, not with old leaven; nor with the leaven of malice and wickedness, but with the unleavened bread of sincerity and truth.  

If you want to read more about this Biblical concept of leaven here is a link to an excellent article written by Ron Kelley.    

So while I can pray for Hilary Clinton, I cannot vote for someone whose life experience has realistically and repeatedly demonstrated that she is above the law. The fantasy thinking that has characterized her life is that she is special and entitled.  Because she has been treated that way she has adopted this reinforced behavior as a life strategy that has pushed her to act as though the laws that apply to common man are the same laws she can repeatedly abuse. This expectation is best evidenced in a profound lack of honesty.  As her supporters tire of making excuses, and we can hear this weariness in some of their voices, it is as if they have been in a kind of coma from which they are slowly waking.  

While many of us are following the Clinton drama with great interest I am also following it.  I am drawing very personal comparisons to my own current situation as I await word on whether or not my case will move forward in the Federal District Court.  Because I don't have an attorney (not by choice) the District Court gets to decide if the case can move forward. 

There were four crucial email communications from the Federal District Court here in Memphis that I did not receive.  I got the first two.  Then failed to receive the  interim missing communications that importantly instructed me that I could appeal the dismissal which would have required me to read what the judge wrote; the basis and reasoning of her dismissal.  And then, as soon as the time period that I could legally respond to the dismissal by filing an objection had safely passed, the courts email communication magically resumed.      

I responded with a letter pointing out that I did not receive these emails.  That under the 14th Amendment to the U.S. Constitution I was deprived of my right to due process for failed communication.  I pointed out that the failed e-mail communications from the Federal District Court represented an injury to the court which needed to be investigated as a possible crime.  That one of the defendants named in my Civil RICO Case have a history of committing corporate espionage; hacking into a rivals computer system, forwarding and co-opting email communications.  And because they got away with it and no criminal consequences followed it would be a short jump to imagine the same modus operandi regarding my email communications from the court could be criminally interfered with.  The perpetrator's I.P. address was traced back to one of the same Defendants in my case, Keller Williams aka MEM 2, LLC.  

The case, I believe now settled out of court is: Collins-Maury, Inc. d/b/a Prudential Collins-Maury, Inc., Realtors, Plaintiff vs. MEM 2, LLC d/b/a Keller Williams Realty Memphis East, Defendant.  

Should you want to read the details, which my writers inclination sees as a chain of events that begs for a screen play: Docket No. CH 11-1860, filed in Chancery Court, Shelby County, Memphis, TN 11/10/2011. 

11/10/2011 is the same period that the Bank of America HAMP Fraud Scheme that impacted me was winding down, five months later, resulting in the illegal seizure of my home under threats, misrepresentation of authority, and outright lies.  

The Collins-Maury case sat on the docket, like mine, with no movement for a significant period of time. My case strategically being moved toward dismissal. 

Collins-Maury and myself were both represented by the same law firm; me for a brief period of time in which I was never told to verify the claimed order of eviction issued by a Fayette County Judge that in point of fact did not exist.  On April 6, 2015 the judge committed suicide; the second death by gunshot wound that I am aware of.           

Since the key persons connected to this previous federal crime have held onto their jobs and Keller Williams International has ignored the dangerous ramifications of hacking into a rivals computer system the sub-text of this message is that the corporate culture approves the risk.  "The end justifies the means" is an immoral credo to live by.    It therefore stands to reason that the same perpetrators who targeted my home for a Property Flip / Equity Skimming Scheme would be dangerously emboldened to believe that laws don't apply to them.  Like Hillary Clinton they learn that consequences can be avoided, power brokers can be "on the take," and the fix is forever in their favor. So far, this life stealing criminal behavior has proven the perpetrators right. It would have been a simple matter for the FBI to look at my evidence and make a referral to the Attorney General.  They couldn't be bothered.  And they can't be bothered with applying the law equally to Hilary Clinton.  

I filed the original complaint on April 20, 2016.  In the dismissal the Judge blatantly misquoted my complaint.  I'm not talking about minor misquotes of quasi-vague applications of interpretation.  I'm talking about stark misquotes of date and content that mirrored the fraud defense in disturbing detail.  She wrote that because I'm without an attorney I cannot legally name co-plaintiffs like the Internal Revenue Service and the United States Treasury Department who were both defrauded.  In point of fact there are clear obstruction of justice charges that could easily be filed against Bank of America for the lies they communicated that shut down escalation of my case to the U.S. Treasury Department for suspected HAMP fraud along with failure to disclose the Escalation Case process while I was still in my home and could have recognized the truth.    

After learning of the dismissal I wrote a letter which was entered into the record.  As a result that initial decision to dismiss my case was reversed and I was able to file a response to the dismissal which I did on August 2, 2016.  I then rewrote the complaint making it shorter and I hope more concise. And while the judge criticized the number of defendants others could have been added which in the decision to keep a lengthy and complex chain of fraud as simple as possible I chose not to name.  I then filed a complaint with Judicial Watch who at the moment are a little busy with the Hilary Clinton email scandal.  While my expectations that anyone there will help me are low indeed, there is a record of what transpired regarding the failed emails compounded by the judge's failure to read and accurately quote the details of my complaint should other, future litigants, experience the same or similar suspect and potentially biased treatment from this same court.      

In Civil RICO, for those who can't afford a proper defense, one can ask that an attorney be assigned.  I asked that the court assign me an attorney in both my response to the dismissal of August 2, 2016 and the Amended Complaint filed on August 23, 2016 / Original complaint filed April 20, 2016. 

I was of course blamed for the four missing emails.  It was easier to scape-goat my mistake... the "www" prefix for what happened. What I do question is the "coincidental" fraud perfecting timing.  No email delivery receipt which in this day and age seems a dereliction of basic duty.  The failure of the I.T. Department at the Federal District Court to notice that these emails were returned; if they were in fact returned. What I have verified is that the crucial missing email communications never arrived at my inbox.  The very emails that would have informed me that the case had been dismissed and next steps to which I was legally entitled to pursue.  And then... the restored communication at that precise right moment that it could be documented that my compliant was dismissed because I had failed to respond within the requisite time period allowed.  Which establishes different treatment for those with legal representation and for those who have none and are therefore significantly disadvantaged.  

Do I draw parallels between the Hilary Clinton corruption of portions of our federal government, her lost and destroyed emails and mine?  Do I draw comparisons with the conflict of interest issues related to her position and the Clinton Foundation and the striking conflict of interest issues that inform the events of my own case?   Yes, I do. I was told that the IRS Investigator turned my case over to the FBI.  Despite repeated pleas for help, requests and offers to share crucial information, carefully and diligently compiled they, along with others have chosen to ignore and thus enable a criminal organization whose activities are not unique to Fayette County, TN, but did target a rural county, once the poorest in the state.  They also targeted the Registry of Deeds Office in Somerville, TN.  They targeted the people living in that county.  Significant failure of those who should be fully invested in protecting the public welfare has sadly empowered the ongoing ability of a fully functional criminal enterprise to move forward unhindered by consequence.   

One has to wonder if the mortgage fraud that accompanies a Property Flip Scheme in which my property was claimed to be abandoned and derelict and undervalued per fraudulent appraisals by over 100,000; then subjected to five flips; three during the period that I thought myself honestly applying and being considered for HAMP... if this had resulted in significant loss to banks, then and sadly perhaps only then, the FBI Mortgage Fraud Unit would have taken notice?  

The motivation of white collar criminals is not so much ill-gotten gain, but the addictive adrenaline rush of "getting it over" on people seen as disadvantaged and even helpless. Infiltrating the system to such an extent that it can be manipulated to protect the perpetrator; this exercise of power an additional rush that strokes the ego of those that truly believe they are immune from consequence is dangerous to the public welfare.  Only an equal application of the law can prove such people wrong.  

Those that know me know that I often draw comparisons from literature and film.  In my non-fiction book, Discerning Spirits, I draw on five films and the life stealing characteristics of toxic characters portrayed in these films.  In thinking about dangerous conflict of interest access, corruption from places one least expects; the lost emails etc... I'm reminded of a book I read years ago.  Bright Lights, Big City. The film starred Michael J. Fox whose character draws seemingly unrelated comparisons between "Coma Baby," a baby whose mother is in a coma, and the main characters intense struggle with emerging coma-like angst and grief compounded by addiction.  The birth of reckoning will come to the surface, breath air, and demand accountability.  No amount of denial and running from the truth can stem the tide of truth which challenges us to healthy change.   In the same way, pain justly meant to mold character, cannot be forever defrayed. Truth is a counter-force to evil.  Whatever the crime or life stealing injury...  a victims singular imperative to be heard is a powerful incentive under-estimated by criminals.  Hilary Clinton in the White House can not be expected to change her past methods and practise.  The criminals I've been standing up against for four years have also not changed.  Unless stopped by legal and just means, and even though I pray for them, there is that dangerous reality of the continuing ongoing threat to target future victims. 

Did white collar criminals interfere with certain selectively chosen District Court sent-emails proven to never have arrived to my in-box? Entirely possible.  Doctor Phil says that past behavior is the best predictor of future behavior.  This being the case we can expect more of the same. The Collins-Maury Case speaks loudly to this same history. Since the FBI did not investigate this federal crime.  Because they have ignored my case after taking it away from the IRS.  Despite 32 other pattern examples, well... all this speaks a subtext language that has empowered and not constrained criminal behavior.   

As I pray for that "whomever" currently looking at my case and will make a decision as to whether or not I will have an opportunity to present my evidence in a court of law I'm reminded of the one true Judge that all persons in positions of such authority are called to emulate and will one day answer to. 

The Rock!  His work is perfect, for all His ways are just; a God of faithfulness and without injustice. Righteous and upright is He (Deuteronomy 32: 4).  

Today I have a respect for the law that I previously took for granted.  It hasn't always worked for me, but the core system itself exists.  Not for judges and lawyers but for, "We the People." That someone like me, not for the first time disenfranchised of due process, powerless, with no money, pushing seventy and legally homeless can step into filing this case however imperfectly written and with the expectation of a fair and level playing field is remarkable.  

There is a card taped to the book shelf above my computer.  It reads, "Jesus will send the perfect right lawyer."  My hope lies in the right of my case to be heard. If there is an attorney out there willing to enter this case I'd be grateful.  

Monday, August 29, 2016


I'm always grateful for opportunities to share about my books.  I enjoy some interviews more than others.  Just had a very nice conversation with Ed Tyll from Starcom Radio Network.  I'm sure you can go back and listen in archives if you so desire.  Just google Ed Tyll...  Some past shows are on You Tube which I listened to before the interview.    

Thank you Ed for sharing your valuable on air time with me. Thank you also to your loyal listeners.   Enjoyed the conversation and your honesty.  Many Blessings!

Wednesday, May 4, 2016

HAMP FRAUD SCHEME; Property Flip Equity Skimming Scheme / Civil RICO Private Right of Action

The case I filed April 20, 2016 
is now a matter of public record.  Case Number below.

What impacted me, and resulted in theft of my home was, to put it in very simplistic terms, a HAMP Fraud Scheme.  It has been very difficult for people to identify the components of an illegal system that begins with the Bank HAMP Servicer entity and the boots on the ground REO (Real Estate Investor) conflict of interest relationships.  This arm in arm illegal collusion has targeted untold numbers of at-risk properties for Theft by Deception in ways that leave homeowners defenseless.  This has resulted in illegal transfer of wealth largely ignored and not adequately prosecuted. Seniors are especially targeted by these Real Estate Fraud Schemes that may or may not involve HAMP.  Having lost everything these clients are not attractive to the legal profession.  At one time the law was thought of as a moral, intellectual, and even spiritual calling.  If those lawyers exist I haven't met them.  

Here is a link to an excellent overview written By, Shelley Erickson, January 18, 2013.

Without an attorney and with little or no funds state courts are not an option for most of us.  We are effectively disenfranchised.  You might consider the Federal Court System and particularly RICO.  

Abandoned of legal council I had to make a choice.  Move froward or let justice die.  At some point I began to feel less like a victim of a toxic and horrific assault I didn't understand and could not quite grasp.  I began to focus on the faces that research presented as fellow targets.  For the sake of the untold numbers of families and seniors similarly defrauded by white collar criminals I decided to pursue an investigation.  I felt if I could file this case against what amounted to a Criminal Enterprise whose sole endeavor is theft of residential homes from average citizens by nefarious means I might arm other persons to recognize what happened to them.  As I was informed by the many other cases I read I want people to recognize the chain of theft that may have in part or in whole impacted them as outlined in my Civil RICO Private Right of Action.    

RICO, you may know is the Racketeer Influenced and Corrupt Organizations Act.  It was enacted 10/15/1970 as Title IX of the Organized Crime Control act of 1970.  Statute of limitations (four years from the last predicate act or... when you acquire the information to recognize that you were a victim of fraud) is adopted from the Clayton Act. RICO provides for civil remedies as well as criminal remedies and was originally codified to deal with the mafia, but has today a broader application which includes the right of average citizens like you and me to file cases under these statutes.  18 U.S.C. 1961-1968.  

Civil RICO can not put the perpetrators in jail. That option under Criminal RICO is for the Justice Department or for Federal Cases filed by prosecutors. However, every Civil RICO Case calls attention to this chain of theft that has corrupted our public land registration system and put untold numbers of title of real property in jeopardy.  It is my belief that as more of this comes to light our legal system will be dealing with this corruption for decades to come. Calling attention to what people don't want to see is a challenge.  You'll be invited to think of yourself as a trouble-maker somewhat obsessed and mentally unhinged.  As a Bank of America attorney told me.  "You need help and not the legal kind."  

I've read several overviews of RICO.  The one I liked best and found to be the most novice-friendly, can be found on line, downloadable in a PDF file, from a law firm called Jenner & Block / link below.  Print it and read it with a highlighter.  If you call them I hope you have better luck than I did.  No one it seems wants to face off against the criminal segments of the financial industry. Law Firms situated to take on these cases want "BIG" cases that bring little or no remedy to individual, average citizens.  

In RICO one is not bringing suit against an individual person or a single business or entity.  Damages are preset by law.  Triple the amount you lost; no personal damages for pain and suffering.  For this reason a RICO Case has to focus on the facts, pattern and practice, the chain of fraud as shown by provable connections and predicate acts of unlawful action.  In this type of Property Theft and also HAMP Fraud, mail and wire fraud is always a factor as is, bank fraud... where your home ended up should be carefully explored. This because the Title of your property is always (ALWAYS) laundered in the same way that stolen money is laundered by criminal organizations and entities. One is bringing suit against the criminal enterprise; the arm in arm, conflict of interest network that targeted homes and families all across this country.  My case centers on robbery, bribery, and extortion; not to mention the numerous corrupt filings in the public land records.  Corrupt by what is there and what is strategically omitted in order to conceal the chain of theft.  

As many of you know, because I have written about this before and even done a few interviews, my home was targeted for theft by a local REO Investment Group. They networked with Bank of America and the Bank of America Vendor System to purchase my home while I was still in it and with no disclosure to me.  This is accomplished by separating the Note from the Mortgage which was considered illegal by courts before the existence of Mortgage Electronic Registration System. With the property already "spoken for" my HAMP Application was never submitted to standard HAMP Protocols for consideration.  The fix was in.  Sadly, what happened to me was standard operating procedure for Bank of America and other HAMP Servicer entiteis. I propose that if you lost your home via any version of the HAMP Fraud Scheme we share many commonalities in what transpired.  And if you ever tried to bid on one of these properties and found yourself shut out; you were defrauded on the other end of the fraud scheme.   

I was targeted as vulnerable for what I was going through at the time and I think also because I was a senior citizen who appeared to lack the ability, the resolve, or the tools to pursue justice.  My home was targeted for its significant equity in that, although an average home, I was not upside down on my loan.  What impacted me was a particular twist on the very common White Collar - Property Flip/Equity Skimming Scheme as described by several federal law enforcement groups and websites. Usually overvalued, my home was undervalued per corrupt appraisals.  Read about these types of White Collar Crimes and decide what may have impacted you.  Use that language in describing what happened since this will resonate and make sense out of the turmoil of what you may have been subjected to.  

For myself there were several times when further investigation revealed that I was initially wrong.  There was a particular person tied to this REO Investment Group that I cared deeply about, considered a friend.  I just didn't want to believe she could be connected in any way with what happened, although people told me she was.  Finally the evidence came to roost.  Don't be discouraged if evidence points you in a another direction or toward a truth that may be personally hurtful.  Inform knowledge and keep on in pursuit of the truth.  See the big picture.  You are not alone and many stand with you who have no means of articulating the common criminal means of greed driven theft that is not unique to you and I.   

Although thousands upon thousands of HAMP applicants experienced the same, too many do not fully recognize the train that hit them and cost them untold hardship and grief.  Many of these properties are eventually transferred into companies like Pretium Partners who are bundling rental properties as a commodity to be bought and sold on Wall Street; controlling and manipulating the cost of housing as a commodity. Until that criminal scheme also implodes; driving our country into further debt and undermining the health and well being of those families that make up our nation.  We've already had one housing crisis and we are heading toward another.  The implications of these partnerships as Banks and the REO - Bank Vendor connections feed this market... as residential homes are internationally and corporately owned is staggering to consider.   

My case, which I think of as a case for other victims of this same criminal system, is filed and now and is a matter of public record.  

U.S. District Court / Western District of Tennessee

The case reads: Clair v. Bank of America, N.A. et al
The case number: 2:16-cv-02263-SHL-dkv

I must say I'm so proud to be an American.  I'm grateful that I could file this case in federal court when all other doors were closed to me.  What criminal organizations thrive on is darkness and secrecy.  Many rationalize their criminal behavior to the extent that they imagine targeted victims deserve their losses; pain and suffering.  Having been told over and over again that I couldn't do this I didn't set out to prove anyone wrong.  I set out to open a door, a window, a record by which light can seep in to expose the underbelly of these kinds of property crimes.  And, I want justice.  The justice my case deserves, the hearing that law allows, and help for others that were defrauded.         

If you read my story as described per this case please know that I didn't write this case as a perfect document.  I couldn't approach the task in that way since I'm not a lawyer and although I've searched no lawyer is willing to help me. I would guess I've been effectively slandered by those who failed my case. I'm hoping that will change.  I need a hero or heroine who has the legal skills I lack.    

I was additionally rushed and pressured by time.  In the past I had trusted and relied too much on attorney's whose sole intent was to contain and limit my case in service to the Criminal Enterprise Cohort.  For this wasted time I was pressured to file my Civil RICO Private Right of Action Case before April 25, 2016 and brought it to the Federal District Court in Memphis, TN for filing on April 20, 2016.  I filled out an application for pauper status, since if justice had a price tag I would be... and most of you would be entirely and totally disenfranchised.  Under RICO the statute of limitations is four years although I was lied to about this. I was lied to so often that it is truly staggering to consider.  I was finally bullied, threatened, and forced from my home by the decoy real estate company on April 25, 2012. Thus the rushed filing before April 25, 2016.  

We have a right to due process.  My rights were consistently obstructed and sabotaged.  Filing in Federal Court under Federal Laws is a different playing field.  My right, and your right, to a fair consideration of our cases, imperfectly written as they may be, is informed by reading:  
42 U.S. Code § 1983 - Civil action for deprivation of rights

If my case is turned down I plan to appeal the decision.  I was asked by one of the defendants a year ago, "Why don't you give up?"  My answer was, "Because these people are criminals."  It comforts no one that this is recognized, but largely ignored. The common practice of consistently perverting legal structures and legal procedures to accomplish illegal purposes, Theft by Deception, hurts our entire democratic system.  

I sincerely feel the angst of countless other victims to whom I know the Lord Jesus Christ has charged me with a certain responsibility.  Some of their stories revealed themselves in the document trails I explored. I also plan to amend my complaint as written.  I'm awaiting the results of FOIA requests and some other research. And there are too many run on sentences... that I didn't have time to properly edit. This is the perfectionist in me that I finally had to silence in order to meet the time constraints per the statute of limitations for Civil RICO.      

What is FOIA?  The Freedom of Information Act.  Under this Act you can (anyone can) obtain documents that would otherwise be hidden.  By this I learned that Bank of America lied to a federal agency when they said my HAMP Application was under "active review." Year end filings lied to the IRS and defrauded tax payers. From FOIA I learned that Bank of America lied when they claimed I was not submitting HAMP Applications and my home was abandoned and derelict.  These slanderous assertions corrupted Bank records and was, of course, entirely false.  This system that overwhelmingly disenfranchises victims from recognizing the corrupt and toxic chain of theft was deliberately and strategically constructed for that purpose.  A fictitious history inserted into bank records and seeping over into other structures is beyond the general ability of us to know at the time that we are being defrauded.  This system is designed to protect the criminal operation while greasing the chain of theft.  

I have to say that when I started this I didn't know the difference between a Warranty Deed and a Deed of Trust.  I trusted these official looking documents having no idea how our public land records and countless Land Titles have been corrupted.  The Cook County Property Fraud Unit claimed, "it is easier to steal a house than a car in the United States of America."  Follow Marie McDonnell Property Analytics.  Read those cases that have used her as an expert witness.  Read the audits she has conducted at the local land registration level and the connected cases that are a matter of public record.  I'd like to see her publish that list on her website with associated links. The last Audit being, I think, the City of Seattle, Washington.  An important document and learning tool as you decide to prepare your own case.

In regard to FOIA, the advice I would give here is to keep asking for what you know must be present. When my instincts, informed by other investigation told me one thing and a person in authority told me something different, I chose to follow my instincts. For the most part I found people to be patient with my questions. You are communicating with average public servants who might be having a bad day, or may just not understand what you are asking for. At least twice I was asking for information from the wrong federal agency. Rewrite the wordage of what you are asking for to mirror the language by which certain forms are described in the procedural manuals.  This takes research, but as I amend my case  some of what I asked for can be read and might be helpful to others. 

On the other hand there have been times when I have been deliberately obstructed.  Here I would say, don't give up.  Duplicate requests in that what is included and what is left out of a package - when you sit down to compare - can be very informative to understanding the chain of theft. So... write back and send off another request explaining the need for lawful disclosure.  Oh... and buy a magnifying glass.  Many times I was sent documents with print so small it was unreadable.  And don't assume that everything redacted is legally allowable just because that bold black line is smeared across information you need.  Most of the time this information is already in the public domain and you can appeal the decision that served to hinder, limit, forestall your investigation by such an act.  

This morning God gave me Psalm 35.  This is a Psalm of David when he was besieged by the corrupt King Saul.  At times David was powerless and could only turn to God for justice and to accomplish what he could not.  I can't tell you how many times I went to bed at night totally overwhelmed by what I didn't understand.  But with a prayer on my lips.  And I would rise in the morning with clarity.  This psalm ends: Let them shout for joy, and be glad, that favor my righteous cause; yea, let them say continually, let the Lord be magnified, which hath pleasure in the prosperity of his servant.  And my tongue shall speak of thy righteousness and of thy praise all the day long (Psalm 35: 27, 28).  

My plan is to publish my case with commentary describing the back story.  I had no intention of being stuck in a running soap opera, but many times that is what life felt like.  I haven't gotten around to writing the back story quite yet.  I'm getting ready for what happens next.  But watch for that book.  As an aside... I'm quest preaching Sunday.  If you're in the area join us for Mothers Day.    

Sunday, December 27, 2015


Christmas is over and the New Year begins.  We have been reminded of Jesus, born as a fragile babe into a pivotal time of World History.  And Mary...  And she gave birth to her first born son; and she wrapped Him in a manger, because there was no room for them in the inn (Luke 2: 7).   

God announced the birth of His only Son to the lowly shepherds.  Not to kings or in the high courts of the law; nor in cathedrals or the bastions of opulence and power.  Jehovah God chose, as He often prefers, the least of these, those through whom His power and grace is best glorified.  And, God the Father selected a lonely hillside where the Shepherds kept watch over their flocks.  Fitting that Jesus calls himself our Shepherd; protecting us in the same way from predators.  

The Lord is my Shepherd, I shall not want.  He makes me lie down in green pastures; He leads me beside quiet waters. He restores my soul; He guides me in the paths of righteousness for His name's sake (Psalm 23: 1-3).  

I can't imagined how overwhelmed by love and the light of the Father the Shepherds were.  And especially when the angel presented himself, physically and visually present in their midst.  
And an angel of the Lord suddenly stood before them, and the glory of the Lord shone around them; and they were terribly frightened.  And the angel said to them, "Do not be afraid; for behold, I bring you good news of a great joy which shall be for all the people; for today in the city of David there has been born, for you a Savior, who is Christ the Lord" (Luke 2: 9-11).    

The Shepherds were forever changed and could not keep silent about what they had experienced and seen.  I imagine that throughout their adult lives they continually proclaimed what God had chosen them to first see, then hear.  And finally what was given them as very great privilege to share with all who would listen.  

We have been given ears to hear, eyes to see, and hearts to understand.  Jesus, in the coming days we pray... please give us an increased passion for conversation with You.  For prayer and for leaning into the Kingdom of God that we might hear, see, and understand.  Give us a special anointing of heart and mind to know You Father, Your Son, Jesus, and the Holy Spirit more fully; as we never have before. For God has not given us the spirit of fear; but of power, and of love, and of a sound mind (2nd Timothy 1: 7).

And God the Father provided a way of escape.  He sent the wise men whose costly gifts would underwrite the expense of the flight to Egypt where Mary and Joseph would stay with baby Jesus until it was safe to return home.  Remember... whatever battle you are in... Your loving Father has already designed for you the gift of provision, the means of escape.  Ask and pray for that gift and that means. Pray about everything: tell God your needs, and don't forget to thank Him for His answers.  If you do this, you will experience God's peace... (Philippians 4: 6,7).  And they overcame him because of the blood of the Lamb and because of the word of their testimony, and they did not love their life even to death (Revelation 12: 11).  
The Prophet Isaiah predicted the coming of Jesus Christ and told us a bit about the everlasting impact he would have upon mankind.  
For a child will be born to us, a Son will be given to us; and the government will rest on His shoulders; and His name will be called Wonderful Counselor, Mighty God, Eternal Father, Prince of Peace (Isaiah 9: 6.  

Before the cross Jesus was foretold.  A word picture was imagined for us as the suffering Servant; Isaiah chapter 53.  

Speaking for Father God, Isaiah prophesied.  Behold My Servant, whom I uphold. My chosen One in whom my soul delights.  I have put My Spirit upon Him. He will bring forth justice to the nations.  He will not cry out or raise His voice, nor make His voice heard in the street.  "A bruised reed He will not break and a dimly burning wick He will not extinguish.  He will faithfully bring forth justice.  He will not be disheartened or crushed, until He had established justice in the earth.  And the coast lands will wait expectantly for His law" (Isaiah 42: 1-4)

Jesus was called a bond-servant which is to say, "a servant by choice." Jesus willingly went to the cross that death and Hades would be defeated.  By faith in Christ the sentence of death that came at the fall in the garden of Eden was exchanged for the future reality of eternal joyous life; life ever-lasting.  You and I together with Jesus Christ forever in that place called Heaven.  Following is a verse I often quote when praying for deliverance.  I find that these words penned by Paul both prepare me and also lends Holy Spirit power to my prayers. Satan hates the reminders stated in these words. When proclaimed and prayed in a spirit of warfare against life consuming evil, no demon will hang out for long.  
Have this attitude in yourselves which was also in Christ Jesus, who, although He existed in the form of God, did not regard equality with God a thing to be grasped, but emptied Himself, taking on the form of a bond-servant, and being made in the likeness of men.  And being found in appearance as a man, He humbled Himself by becoming obedient to the point of death, even death on a cross.  Therefore also God highly exalted Him, and bestowed on Him the name which is above every name, that at the name of Jesus EVERY KNEE SHOULD BOW, of those who are in heaven, and on earth, and under the earth, and that every tongue should confess that Jesus Christ is Lord to the glory of God the Father (Philippians 2: 5-11).  

Also:  But thanks be to God, who always leads us in His triumph in Christ, and manifests through us the sweet aroma of the knowledge of Him in every place.  For we are a fragrance of Christ to God among those who are being saved and among those who are perishing; To the one an aroma from death to death, to the other an aroma from life to life.  And who is adequate for these things? (2nd Corinthians 2: 14-17).  Only Jesus.

Since then the children share in flesh and blood, He Himself likewise also partook of the same, that through death He might render powerless him who had the power of death, that is the devil (Hebrews 2: 14).  

...and what is the surpassing greatness of His power toward us who believe.  These are in accordance with the working of the strength of His might which He brought about in Christ, when He raised Him from the dead, and seated Him at His right hand in the heavenly places, far above all rule and authority and power and dominion, and every name that is named, not only in this age, but also in the one to come.  And He put all things in subjection under His feet, and gave Him as head over all things to the church, which is His body, the fullness of Him who fills all in all (Ephesians 1: 19-23).

Jesus always prepares us for what is coming.  He prepared His disciples for his coming death and told them them that in temporal life on planet earth they would enter into the fellowship of His suffering. "The Son of Man must suffer many things, and be rejected by the elders and chief priests and scribes, and be killed, and be raised up the third day" (Luke 9: 22).  

Truly, truly, I say to you, unless a grain of wheat falls into the earth and dies, it remains by itself alone; but if it dies, it bears much fruit.  He who loves his life loses it; and he who hates his life in this world shall keep it to life eternal (John 12: 24, 25).  
Just as the prophets and saints of old looked deep into the Hebrew scriptures for wisdom to read the signs of the age...  And wondered at the many predictions of the coming Messiah, Jesus Christ.  Even as we look back at the cross and celebrate the birth of our Savior...  Even now our hearts and our minds yearn forward... as if drawn by a divine hand.  More and more of us feel and acknowledge this call to study and look deeply toward that future picture of the coming Messiah.  What it all means.  Just as Jesus prepared His disciples for His coming death and resurrection... that same Jesus is preparing us for His second coming. Look deeply into scripture and embrace that picture of Jesus today.

And I saw heaven opened; and behold, a white horse, and He who sat upon it is called Faithful and True; and in righteousness He judges and wages war.  And His eyes are a flame of fire, and upon His head are many diadems; and He has a name written upon Him, which no one knows except Himself.  And He is clothed in a robe dipped in blood; and His name is called The Word of God.  And the armies which are in heaven, clothed in fine linen, white and clean were following Him on white horses.  And from His mouth comes a sharp sword, so that with it He may smite the nations; and He will rule them with a rod of iron; and He treads the wine press of the fierce wrath of God, the Almighty.  And on His robe and on His thigh He has a name written.  KING OF KINGS AND LORD OF LORDS.  (Revelation 19: 11-16).  

Just as the saints of old studied the Hebrew Prophets through whom God spoke to the nations.  This may be the time for you to embrace a fresh study of His second coming.  If you love and serve Jesus, and if you pass to heaven before that, "day of the Lord," you'll be returning with him to planet earth...  clothed in fine linen, white and clean... following Jesus Christ the conquering Messiah, following Him on white horses.  And I love this last.  And on His robe and on His thigh He has a name written.  KING OF KINGS AND LORD OF LORDS.

Today, right now, it is Jesus... Who pardons all your iniquities; Who heals all your diseases, Who redeems your life from the pit; Who crowns you with loving kindness and compassion; Who satisfies your years with good things, so that your youth is renewed like the eagle (Psalm 103: 3-5).  

It is a trustworthy statement, deserving of full acceptance, that Christ Jesus came into the world to save sinners, among whom I am foremost of all (1st Timothy 1: 15).