Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mankin Law Group
State: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX XXXX, a living XXXX  American national, foreign principal, XXXX XXXX and Executrix of the XXXX XXXX XXXX XXXX XXXX, file this formal complaint against XXXX XXXX XXXX, XXXX, acting as attorney and purported representative of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), for unlawful and fraudulent debt collection activities and harassment against the private trust estate. 

The HOA and/or its agents, under the direction of attorney XXXX XXXX XXXX have engaged in the following unlawful acts : Filing false and unverified claims of debt and liens against the trust estate property, despite lack of privity of contract or consent to HOA governance, assessments, or jurisdiction. 
Creating alleged debt underlying the lien and foreclosure actions by using the ALL ) CAPS NAME ESTATE ( XXXX XXXX XXXX ), without my knowledge, consent, or full disclosure. 
The HOA ( XXXX XXXX XXXX XXXX, subcontracted throught XXXX and managed by XXXX XXXX ) and the builder ( XXXX  and successor XXXX ) fraudulently created an adhesion contract by filing a lien and notice of lis pendens without ever producin g or providing a signedm valid and lawful contract. 
Identity theift and unlawful conversion of the XXXXXXXX XXXX XXXX estate for unjust enrichment, using the ALL CAPS name as a fiction / persona to generate securities in the estate without authority or power of attorney, The Alleged Loan was discharged at Closing : At closing, the purported loan was dishcharged and settled per : 12 U.S.C. 95A ( 2 ) : All obligations against the United States and its subdivisions are acquitted and discharged. 
House Joint Resolution 192 ( June 5, 1933 ) : Lawful money no longer exists to extinguish debt - all debts are discharged in equity through negotiable instruments created on the estate, Therefore, there is no lawful outstanding debt attached to the property - and any claim otherwise is fraudulent, predicated on the estate 's credit without consideration. 

No Consent or Agreement with the HOA I never signed or entered into a binding, lawful contract with the HOA or any of its agents. 
The HOA 's own filings fail to produce any enforceable, wet-ink agreement binding me, as the living woman or as XXXX XXXX XXXX XXXXXXXX XXXX XXXX to their corporate rules. 
The HOA and its counsel acted ultra vires ( beyond authority ) by fabricating a " debt '' and filing liens and lis pendens unlawfully. 

Sovereign Status and Treaty Protection I am a sovereign XXXX  American national, recognized under : Treaty of Peace and Friendship ( 1836 ) between the XXXX XXXX and the United States of North American Article IV of the Articles of Confederation guranteeing free ingres, egress, and protections for foreign nations. 
Vienna Convention on Consular Relations ( 1963 ) - Article 36 : Right to consular assistance and jurisdiction. 
UN Declaration on the Rights of Indigenous Peoples ( UNDRIP ) Articles 3,8, 26, 28, and 40.

As such, I am not subject to the jurisdiction of the municipal corporate courts or their agents unless consent is proven- which has not been and can not be. 
Pursuing liens, foreclosure, and hearings against my foreign private estate despite my jurisdictional averments and treaty-based objections. 
Attempting to collect a debt not owed. My estate is a foreign, non-taxable, and the lien is unlawful. 
Making false statements and representations. Misrepresenting their authority, standing, and my status. 
Took negative legal action by initiated known fraud hearings, foreclosure filings, and unlawful inspection attempts. 
Attempting to collect a debt allegedly owed that is not supported by lawful contract or jurisdiction, and attempting to extract payments outside treaty and trust protections through attempted fraudulent conveyance. 
Impersonation of a governmental official. Administrative clerks d/b/a Judges, HOA agents, and others are acting under color of law as if they have lawful judicial or governmental authority, when they do not- this is a clear color of law violation and impersonation of lawful officials.

Color of law violations : 18 U.S.C. 241, 242 ; Fraudulent presentment / fraudulent conveyance, fraudulent tax assessment / unjust enrichment Denial of treaty rights and due process, genocide through denationalization Wrongful lien, false accounting, and fraudulent de Knowingly attempting to convert the property through color of law and intimidation tactics, despite being notified of the trusts foreign status and indigenous title protection. 
Sending notices and filings purporting to levy assessments, while instructing me to remit payments to XXXX XXXX private escrow account an improper and unethical practice. 
Ignoring treaty obligations, federal law, and the protections of a private trust estate, including allodial and aboriginal title immunity from municipal encumbrances. 
Harassing the estate with process servers, fraudulent inspections, and unauthorized presentments, with the intent to coerce and extort payment of a fabricated debt. 
No lawful debt exists ; the alleged default is a product of fraud and improper accounting. '' I am filing this complaint in my capacity as the XXXX XXXX and lawful XXXX  of my private trust estate, XXXX XXXX XXXX XXXX XXXX, on behalf of the indigenous XXXX XXXX XXXX known as XXXX XXXX XXXX and variants thereof, to address ongoing fraudulent, abusive, and unlawful actions by XXXX XXXX  XXXX XXXX XXXX, its officers XXXX agents, and affiliates, as well as the HOA and its counsel XXXX 
These actors are knowingly engaged in a pattern of fraud, securities violations, misrepresentation, and identity conversion, attempting to foreclose and liquidate trust estate property without lawful authority, in violation of international treaty obligations, indigenous sovereignty protections, and consumer protection statutes. 
Specifically : XXXX and its agents falsely presented themselves as lawful fiduciaries of the estate while failing to disclose the fraud at origination and the fact that the loan was already XXXXscharged via issuance of credit per 12 U.S.C. 95a ( 2 ) and HJR-192 ( 1933 ).

The actors failed to disclose the joinder of unrelated parties into my trust estate ( HOA and others ) and failed to present a W-9, OID, or tax reporting of these transactionsconstituting unreported income and tax fraud, further reported on IRS Form 3949-A and Form 211.

They initiated foreclosure proceedings and HOA lien actions without treaty authority or proof of standing, in violation of the Treaty of Peace and Friendship ( 1836 ) and the UN Declaration on the Rights of Indigenous Peoples, Articles 8 and 26. 
They continued to attempt to collect, inspect, and convert the property even after I entered into the public record my Averment of Jurisdiction and Notice of Non-Consent ( XX/XX/XXXX ) and Unified Judicial Notice ( XX/XX/XXXX ) under docket XXXX. 
These actions constitute harassment, fraud, fraudulent conveyance, color of law violations under 18 U.S.C. 241,242,1201, and breach of fiduciary duty by purporting to act for the trust estate without consent. 
I have documented and submitted to the public record over two dozen judicial notices, affidavits, tort claims, and IRS filings to revoke their presumed authority and demand lawful proof of standing, agency, and bonding. 
I hereby demand CFPBs intervention and full investigation of the above entities and their agents for violations of the Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Fair Debt Collection Practices Act ( FDCPA ), Regulation Z, Regulation X, and related statutes, along with violations of treaty and indigenous rights protections acknowledged under U.S. law. 
Supporting exhibits and public record references are available upon request and are being concurrently served on the violators and lodged with the court under consular seal. 
These actions constitute harassment, fraudulent collection of a non-existent debt, and violation of the FDCPA, 15 U.S.C. 1692 et seq., and state and federal fair business and consumer protection laws.

This filing stands as formal notice and declaration that : I reject and rebut any presumed contract with the HOA or their agents. 
I reject and rebut any alleged debt claimed against me personally or against my private XXXX XXXX. 
I affirm that the debgt was created through fraud, identity theft, and unlawful conversion of my estate. 
I hereby demand immediate investigation, cessation of all actions, collection efforts, and removal of any and all false liens or claims from the record, and acknowledgment of full discharge. I reserve all rights under UCC 1-308, Article III of the Constitution, the Treaty of Peace and Friendship, and all applicable law of nations.

Company response to consumer: Untimely response