This article exposes how every loan, mortgage, and public utility billing contract operates as a federally recognized government obligation — not a private contract. Backed by statutes like 18 U.S.C. § 8, 12 U.S.C. § 411, and 31 U.S.C. § 3123, the credit you generate is monetized and guaranteed by the United States Treasury. Banks and utility companies merely act as intermediaries, while your signature creates the actual value. This legal breakdown reveals the true debtor-creditor dynamic hidden behind everyday commerce. The truth isn’t theory — it’s codified in law.
When a purported borrower takes out a loan from a bank, it may appear that the bank is lending its own money. However, under 12 U.S.C. § 83, banks are prohibited from lending their own funds. Instead, they use the purported borrower’s promissory note as collateral to create credit, not using their own capital. This process lacks transparency, leading to non-disclosure and fraud, which may render such agreements void ab initio (invalid from the outset).
When you were born, you were born a Live – living, breathing, flesh-and-blood human being, and considered SOVEREIGN! If you […]