titles that's maybe not where to be at but we don't know yet we're going to find out what it is to have a clouded title if my title is clouded i don't know that's a weather system i didn't know mortgages covered that but anyway i mean it might be cloudy titles and it wasn't written into the mortgage report to begin with maybe somebody bundled up we'll find about that we have the great honor author dave krieger and that is clouded title's dot com just so you might might not forget why you have to get there anyway still hear you i think you're kind of far away but we're able to hear from over the horizon david yes we are far away but i'm here also janet explain let's i'm going to kind of have you help interview day because i don't really know what to do i mean stupid people make stupid questions of course maybe that's what makes it exciting i'm not sure it could be allowed this could be a comedy series and just enjoy it anyway what would you bring about as far as the book what's the book all about david what's the book about what i mean you're helping people well i want i want to bring up i want to bring up a certain topic as for this show it's an interesting thing on november twentieth of two thousand and twelve lorraine brown she was a former executive of lender processing services she pleaded guilty to conspiracy to commit mail and wire fraud what some of the stuff that she did were basically what she did  she admits to assisting in creating an executing mortgage related documents filed with three quarters offices across the county they forged and falsified signatures of the mortgage related documents that had been hired to prepare and file with property recor office and they were falsely signed and falsely notarize and many of dockets temporary employees signed thousands of mortgage assignments each day often signing the names of other part persons on mortgage assignments that would then be witnessed and notarized these employees often signed as officers of being some mortgage companies these employees signed without reading the documents or in any way ascertaining the truth of the matter is presented there in and many of these documents included mortgage assignments and lost note affidavits and were later on relied upon in court process proceedings including foreclosure proceedings and federal bankruptcy actions and between two thousand and three and two thousand and nine doc x generated approximately sixty million dollars in gross revenue brown admitted that she she and others to various steps to conceal their actions from from clients law enforcement authorities and others and the steps to conceal including test testing new employees to assure that they could mimic ford signatures i wanted to bring this issue to light and i'm very we're very honored to have dave krieger on the show now dave is a former major market radio news reporter and news director and television news reporter anchorman and investigative journalist who won national and state news awards from associated press broadcasters dave was a former member of the radio and television news directors he began studying law or law in the early one nine hundred ninety s specializing in real estate tort consumer credit and collection issues his first self published book the credit risk restoration primer help it's a self help credit repair book was first released in one thousand nine hundred five as now entering its fourth di currently dave serves as a paralegal and legal research analyst for wade crick and churni in dallas texas who specializes in consumer and real estate long for closure defense he also has written a book called cloud of titles which is in its third edition i believe that's correct dave i'm not sure if that's correct if this book is used as a bible for attorneys who are getting into this new landscape of real estate law for closure defense dave thank you for being with us and putting an input thank you so much  so i got a question for you most people are not i know very little bit about what's going on in their home legally you wrote a book clouded titles now why did you write the book well i started to see some things going on in the market that disturbed me first off i had no idea who mers was and i actually have a couple of murders mortgages in former owners i owned and you know i had no idea what i was looking at when i saw it and i will tell you right now with almost a certainty that any homeowner that goes to the closing table wants the keys to the house and they don't care what they find they will eat what's put in front of them or they don't get dessert which is the key to the house so the problem that we've seen is that it's very easy and of course this goes back to the audit that i conducted with several members of my research team of the williamson county texas land records and unfortunately we looked at murders related assignment and peripheral documents like appointment to substitute trustee and various documents that don't relate to these assignments and we found stop in here that that mirrors what you were talking about before that are is explained in more detail in this three hundred ninety six page book called quite a title about various issues regarding foreclosure depends we have a lot of homeowners janet are contacting us asking us should i stop making my mortgage payments and i'm like you know first off i'm the wrong person to be asking that question you know i don't even know of an attorney that would answer that question which is one of the reasons why section three of this book is entitled strategic default goes into detail and one of the things that we recommend before you make that decision is to get a chain of title assessment done we're not saying this because of the fact we want to sit here and rake in all this money we're not going to get rich doing it in fact janet you and i both know that there are so few people better qualified to do chain of title assessments which is one of the reasons why i'm setting up these workshops all over the country to teach people how to do this to make a living we have a lot of real estate agents and brokers like yourself you know other people that are connected with real estate we have investors we have attorneys you know people that really you know homeowners that have read up on the stuff and they want to be part of this they want to help other people and you know this is the kind of person that we're looking at as a matter of fact we even have the clerks from county recorder's office is taking this title company agents taking this because they want to know everything that we know to spot the kind of stuff that you were talking about with  lorraine brown in the fact that you know when she gets done doing this stretch this two year stretch in missouri for what they convicted her of there and she pled out to she's going to go to michigan and probably do some time there too because bill shooting just got a plea agreement whether the michigan attorney general there and if you happen to be in the land records and you're looking around online and you happen to see run made harder dock acts on any of your copies than that that should immediately raise a red flag and i'm glad you brought this that in because most people have never heard doc much less about lorraine brown can you please explain what the significance of what she has done to all the land records well you know this is where the term rebel stunner came from an n c to thing is a c b s on april third two thousand and eleven april third two thousand and eleven mortgage foreclosure fraud and watch what was going on with doc actually because literally the investigation into dark acts found that there were signing rooms created where they have people who sit around and do nothing but sign documents that are put in front of them and they even had a guy on there that admitted that guy had made it that he was linda green linda green is probably one of the most notorious robo signing hers to date and she no longer works for docs because they're closed but the the bigger problem is it's not so much the fact that they signed these documents the way they did if they did not have personal knowledge of the documents they were signing many of these documents they brought in the notary in all instances is supposed to be witnessing the signature of the person signing the document who is attesting that the information on the document is correct when in fact it's just the opposite the person signing is doing a robotic fashion signing one after the other after the other any signing a copy with the signature that may or may not be his or hers every ten seconds and flipping the page and finding another one and like i said before a lot of these copies are already pretty notarized or they're taken to another area of the building where a whole group of notary just sit around and stamp documents all day right and the play agreement she also states here that they began forging of falsifying signatures on a mortgage on a document and brown also what it sounds like i mean they get gold medals i mean they get probably a lot more in that these characters seem to have no concern of the people who are messing over there get away with this it's right out in front of everyone and it seems to be that the how many thousands of these characters have gotten away with this i mean entity anywhere in your paperwork red flags should go up and you know we obviously because of the fact the quality and ram aspects of quiet title are just now starting to hit the court systems in america a lot of the judges are even ignorant to a lot of the formats for how quiet title actions are conducted and many of them won't ruin these actions would rather throw a case out then rule i don't know understand how quite title actions work a lot of these cases get removed to federal court where a lot of these robo signing entities we just talked about get away with it stop because they immediately file a motion to dismiss because the attorneys are not educated enough to understand how to keep the cases in state you know she got two years in missouri doc said to pay a two point one million dollar fine i believe i know that they got their hands slapped in jacksonville and there was a similar plea agreement in jacksonville florida with which is where when you're processing services is located and part of the problem with lorraine brown is she is just one of a myriad ad of employees and officers of these major corporations that should all be facing the music and in essence the s s basically caused her to be a scapegoat right he really is the tip of the iceberg and yes she is the tip of the iceberg because a lot of these people i mean i literally have title company officers who used to work for major title companies like north american title and first american  calling me saying i really feel bad about this whole thing i was told in order to sign documents i knew contain false information but i said you know was told if you want to keep your job you'll do it anyway amazing what we're looking at distance is killing them this is just one case that was filed these are a few prosecutors right she settled out of court right paid up thirty eight million she estimates she made sixty million but you said she disposed of about a million families well actually what happened was between two thousand and three and two thousand and nine l p s made sixty million dollars during the during that six years ok and then on top of that there they falsified and signatures falsified signatures and recreated documents to the tune of over millions of documents millions of documents now do you have that priceless i have that we any day wind up getting the priceless for the dock x you know they can literally go on for ninety me that they're shredded because they never anticipate that any of these notes would have to be brought back out and so when somebody decides to jump in a court litigate a case the bank stalls or stalls installs while they get their their paperwork together because without that manufacture paperwork you know are some of the paralegals i work with that you're familiar with janet they have actually called and talked to lenders why chase and the people that are in monroe louisiana which is want to chase's belts where they keep a lot of these mortgages and document notes literally say if we can't find a no we just recreate it yes we just make up a new one well you know what would we get a signature from where we can and we put it on the no just to recreate you know to we can walk into court and say look we got to know your honor because the judge is more likely to believe the bank then they are to believe some almost no good trying to get a free house and that's exactly what the bank's attorneys will do when they get to court is don't get the judge on their side you know look ambush amore right owner and his attorney are absolutely no idea how to fight this stuff right and it's not just there just not right now not only recreating the lost note affidavits and recreating a note a large missing intervening assignments record prepared assignments and recreating entire collateral file for ninety five dollars not only are they done not only are they doing that they're taking the signatures that they do have scanning in the hand and then placing him on these created files i don't know what chronicling the all done electronically and so when you see these when you see this when you see this great sheet and you look at these prices that creating a law snowed affidavit really twelve dollars ninety five cents plus shipping and handling and creating a no to launch twelve dollars and ninety five cents  shipping and handling recreating an entire collateral file ninety five dollars plus shipping have their space sickly recreating all these documents going into these courts of law and basically telling them telling the judge these are real documents these are documents these your original darkness when in fact they're not real they've been recreated ten minutes or half an hour before well and good for you if you know you have to keep in mind it's a  title companies and the bigger picture we're seeing is is that l p s operates third party software platforms called new track and desktop and many times what the people who are getting this information and preparing these documents based on the information on computer based on the case in a retailer out of the eastern district of pennsylvania is they're getting third party hearsay information and relying on that information to create affidavit which they're using just basically steal people's homes because the people coming forward to make these apa david actually don't have any personal knowledge at all right right and in fact that correct and we are lying to the court that a lot of these judges are well why would the bank why exactly why would they lie if they wanted to go out i mean it's bad enough that they took all the for one case of all the investors on wall street you know it's bad enough i lead to investment pools dried up and separate credit events because of the fact that everything that was securitized the wall street many of went belly up well we we buying these these credit default swaps are like insurance policies and they're betting against them because they know they're going to fail because they structured to do that that's what you know we suspect that that's happening there and so what you have something out there that's like stacking the deck when you go in a proper game and you know what card exactly so at play so really in a sense all we have time to do before they are claiming probably late april that we're going to have like the wars in iran and syria and all those kind of places and nasty stuff happening it's not looking good what do we do we just simply warn people get them to come to the seminars get them to talk about it at home janet give them ideas talk to other friends talk to about whether they might have  well i think the greatest challenge here is the lack of knowledge i think the greatest challenge is that a lot of the mainstream media is choosing not to but to not to release this information and one of the reasons why we're coming forward now to release it in that is that the lack of knowledge is really paramount when it comes to options homeowners need to be aware that their options and that they have choices and one of the one of the things that people need to be aware of is that if you are in foreclosure you have an option and one of things that you can do is know exactly who's foreclosing on you and by having a chain of title assessment done you can we do a in depth in depth forensic analysis of what's going on  in your chain as well as all the elements within the documents of every chain and we're finding out that a lot of the people who are being foreclosed on are really entities that should not be foreclosing on them to begin with and and they're coming in they're coming into into courthouses with these it more and more to see this being please keep the complete financial collapse of the country in before the financial collapse and what do we do to support a homeowner do to try to losing everything real firm believer that education is key to everything and come to what come to the seminars come to the house for the homeowner workshop the foreclosure workshop seminars the first set of every month in five year five to five library in five washington  the other thing is order a chain a title order a chance you need to find out who you're dealing with you need to find out whether or not the information in these foreclosures are true and accurate the second thing is is even if you choose not to even if you're not in foreclosing you choose not to litigate a lot of times these chain of title assessments are used in leverage for modifications you need to be able to know who you're dealing with when it comes to even not only modifications and you've got a great you got a great colleague here she's really educating people she's done incredible honor list so this is why i think it's too important in a sense we've got maybe two three months before we have some major thing happen well one of the things to be really conscious about is the fact that because the banks knows what they're doing because they're paying for a lot a lot of let legislators and congressman and politicians a lot of people a lot of those politicians are in the active stage of changing legislation you need to be consciously aware of the fact that in every state across the united states legislation is being is trying to be changed but that's a topic of a whole another show know we've got two and a half minutes left for this segment david they can get a hold of your book through web site right i would also like to i would also like to say that dave has a training workshop coming dave can you mention that right there is there's actually two workshops coming up one of them is three day seminar and this is a non continuing legal education program because i don't see all use for attorneys where i've actually trained attorneys and i've gotten credits from the and look for the information there is a registration form an event flyer that you can download you will need a laptop because we're going to teach you how to write a china title assessment we supply you with the audio visual aids a  reparer's manual which is over two hundred pages of information that shows you all the little glitches that we have discovered in the system of things to look for you know some of the coda events that we have many attorneys attended so a lot of the attorneys that are coming to these things actually share a lot of input which you know we find extremely valuable especially if you're a homeowner or investor that wants to or needs to make some extra income or a realtor who's not selling property and needs to do something with themselves because i mean you're literally if you're not so announces you're going broke and so a lot of realtors and brokers have taken these classes with the understanding that they can start up their own businesses again or reinvent themselves and move example or are you going to do any any webinars reading like that with you can we are we're toying with the idea part of the problem with webinars to be honest with you is that we don't get the physical interaction that i need because some people when you're talking to them it's like you can tell by the look on their face and their look in their eyes when something is going over their head and in a webinars i can't see them and so it makes interaction with them to drag questions and answers out of them you know when we actually need to do this with would be face to face and so you know doing webinars is kind of tough it's great to put out general information but we generally do this when we update a lot of the materials and dispense it to our our group of trained coder preparers thank you thank you everybody will get on the next segment this week next week whatever thank you for watching thank you janet thank you thank you very much dave i appreciate it a lot i think you're going to become a hero i guess is a lot of people that are going to have to pay attention if they want to save their property welcome to the high grove video series introduction to indoor growing is divided into three parts in part one we will learn how plates grow in part two we will learn how to design and build an indoor garden in part three we will learn about the various tasks that the grower must perform plants favorite appropriately textured grown medium the medium contains water and nutrients roots anchor the plate within the grown medium and absorb the water and nutrients the stem holds up the leaves and flowers and transports food and water up and down to different parts of the plant the leaves act to solar panels collecting sunlight kind of rights while we're dealing with all kinds of for right this to a lot of stuff writing writing more than just writing writing the writing writing in the sense of creating cannabis legislation cannabis legislation what's that mean cannabis legislation meeting is a time that we sit down and figure out we're going to cannabis fits into the original organic farm bill we're going to farm bill that was created twenty five years ago i helped write that many years ago or are those people that helped write that then maybe it's time to help medical system falling into place now it doesn't need support like organic legislation meaning submit these documents as organic eggs addendums to the original organic farm bill and it tying maybe organic medicine medical cannabis the whole thing is that what are we trying to accomplish in a time period where you body doesn't really know what's going on a washington state liquor board that doesn't know what's going on really in there trying to find out a pirate growers are packing up the trucks and probably turning washington in colorado into the trading capitals of cannabis in north america now don't think that's not on the way higher taxes mean bigger pirate growing operations and sales a combat between different realities of states trying to make revenue states pricing an industry right out of business so that the people at marketing over which doesn't pay taxes anyway so the whole thing is it is writing organics denims to federal law getting things in front of the s senate getting it known sending a notice to the corporate thugs that some people call the da that seemed like they more or less represent the interests of monsanto and the world theorist facts not ourselves to become healthy and i'm going back to bring a panel of people here matthew gordon one of the top stream architects in the world of medical cannabis chris mcdaniels we're going back to hear from him as well as gives more professor gives a who's been on the front page of the london times and that going into this much more of what the rest of us all think about this federal legislation what is it what does it mean how is it that we set up state and county legislation how do we set up state county recognition not just organic medical cannabis patient here medical and it's expanding and growing and people are recognizing it it's the key to human health really we're finding this within this plant and itself and the cure t thing i'm interested in it would be maybe a little easier would be for the pain management ones and and there's already listings in different strain books and different experts cannabis experts around the world already have their favorite lists of specific then all the seeds for news from one of them from the that those plants one of them would be a little bit better for pain and it's just basically somebody that's in pain to try and determine which one is better and then you take that one seed the seeds from the one plant that's better for pain than the last generation and grow those and one of them is going to be better for pain and you focus on that trait  and it's just just a few years or three years but seventeen or eighteen generations you will literally have a plant that's hundreds of times more effective for pain than the original plant that it came from my twenty matthew gordon four twenty at g mail and then we had facebook what is it it's matthew gordon's old toby string creator and that has links to this show so they can watch all the shows and everything on there and that's what most people enjoy they go to my be a fairly big industry huge where the federal government yes it's going to be very large and it's going to be specialized into treating programs of all kinds and colleges and you know like john best year i'm sure you know there's going to be these are some right big things that are up in front of congress so your congressman or senator sponsored legislation to decriminalize that can this but tax it fifty percent well still it's a can do something our own self communities are going to get involved with a major areas of all kinds it's a mad rush it's like i've mentioned the pirate growers are probably bringing it into washington in colorado because it's now becoming like the the the nationally recognized police for anything cannabis now i mean i'm sure california so we're going to strike any black market going on it will be world wide these reports cities in israel you become a celebrity you're going to yeah and well there's there's gardeners growers and then there's breeders which are hybridise years and strain stabilizers and for seed and then there's strength readers which i know one guy that does orchids i know completely different thing especially i've focused on doing it as a line or a self line or an inbred line from one seed and i try to mutate the plant and keep one constant which would be the medicinal benefit so desired medicinal benefit but i think if we're going to go nationally and change people's minds as over sixty seven percent of the population that tried cannabis one time or some of them tried up to six times but they don't like it they had a negative effect the only reason they tried it again is because they're friends so i told them it must have been some bad stuff and they're like well i either get paranoid or i get really confused i don't like it i want to be in control so this old why why does it do what he does and we have complete chemical composition analysis and match it with other known straight there's the strain that makes you go to sleep this is a strain that screws up people short term memory loss almost everybody that tries it the bottom of all this and also more questions also we're looking for any people that have property and want to be involved in medical field that want to get you know in this greenish gold rush going on and also people out there who want to get involved in the commercial field i'm looking at being the first farmer in the united states and in washington and i'm looking at possibilities of growing bamboo or even hemp out and it's included and thank goodness standers well if if we can i would we get back from los angeles will probably bring up a lot of information we're looking at creating media which is going to have to be educational media because the whole thing is it's based on getting a system or a market under way and going to have the expertise that those there who are they will like i said the largest brain bank in north america showed up at city hall on the twenty four i mean what more could you ask for every one of those were some of the top people in the world right matthew oh yeah and i've also been in contact with a lot of the top companies a little bit and everybody wants that everybody in the world wants one thing and so there everybody is willing to pitch in whatever it takes to make it five o two succeeds there's i think there's only thirteen or eighteen states left that even have food stamps and we got like twenty two dollars in arizona with the kid i mean it's like there's literally no sounds because people are starving to death all over this country there are start there are hungry and they're like look at washington they're making one hundred million dollars and cannabis that could go toward food stamp program or whatever ground well is that we've we're starting to see now is the so called thing is gaining momentum that investment capital came in like a few days after they had a big conference at the washington athletic club called wackier in seattle where the very upper crust gatherer sure secrets of control here in the handy investment conference here about two or three days after that just as last month this is the beginning of february so enough that it's serious enough that it's getting the attention of people who want to make money so it's going for around the world massive amounts of profiteering going to happen one way or another even if it's pirate profits and i read about christine what's your thoughts on i mean growing it lands too i think we're going to start with this s line process we're going to start bringing back strange heirloom strains of vegetables and tomatoes and things that maybe are thought to be extinct there's the national geographic where th but it's also a little i i didn't want to say something that they said documentary illegal drugs and how they got that way and for the whole human history these plants were illegal but they said well now because of these societies these cars in the cities and the way that people of every evolve to this level of intelligence where we're and we can't handle them anymore they have to be illegal we have to take them out of society these to well you know what maybe that was true for a short period of time or something i mean for a long time you know back in the day when it's different for cannabis was legal for medical and washington state back when gold was it three fifty an hour and there was cannabis it was going for four hundred dollars you know you know oriented but now i've met i think we're the concept we're going to get we're kind of helping keep that from it so we're going to have a cannabis medical cop should be organic medical cause i mean right i mean and so we're going to go with that one that's a whole other room of  a saturday and sunday it's a gathering place for a lot of the world's experts high times magazine that's coming up this next week and it's the weekend after this ok by the time the out appreciate all your math you got your for all this information we've got the credits are people who have helped as we've mentioned here we've been working on the i five o two working on that with the liquor board trying to come up with ideas which they're trying to we're trying to make it it's more than just one type of arena it's many arenas plus it's going to get into it we're going to fiber and wait till we find out matthew you'll have to be coming up with breeds of strains because we'll be meeting at the fiber of the pope to pick up what do you think of that one absolutely they're going to this this inbred line process we're going to use it i think for every plant plant i mean every type of cannabis plant for every different day we're go the people who are doing it don't you think we should be compensated for something about what we're trying to do to contribute twenty thirty years of marketing had one of the first internet probably had the first internet consulting give prefers to grow small plants because the cyclists shorter and he harvests more crops per year than growing plants large in this room there's a total of two hundred twelve plants give grows about six to eight