Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
In the past XXXX has repeatedly ignored statutes, precedent, and the voice of the people to cover up the fraud that is evicting XXXX Americans from their homes every day and resulting in a homelessness crisis where over XXXX Americans are without basis shelter. 

Today I present to you the official rulings of the XXXX XXXX XXXX Colorado. XXXX XXXX now considers this case closed and any further attempts to collect a debt or deprive him of his natural rights will be punishable by law. Furthermore, the XXXX XXXX is reaching out to the people of Colorado to issuing rulings to all those who hold mortgages, especially mortgages by Alliant Credit Union, to issue similar judgments on behalf of their rights. 

Declaratory Judgment of the XXXX XXXX XXXX Colorado XXXX XXXX : XXXX Date : XX/XX/year> On the Limits of Law, the Nature of Fraud, and the Inviolability XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX convened under the rule of natural law and the self-evident rights of all men, issues the following judgment regarding the claims of Alliant Credit Union XXXX XXXX XXXX. This court is not asked to determine the breach of a valid contract, nor is it asked to interpret a legal agreement. Instead, this court must determine whether any legal obligation ever existed and, if not, whether any subsequent coercive actions taken against XXXX XXXX constitute violations of natural law. 

This ruling must first clarify what the law can and can not speak to, where the authority of natural law begins and ends, and what obligations, if any, bind the parties involved. 

I. The XXXX and the Limits of Its XXXX XXXX law, being self-evident and universal, speaks only to violations of rights and objective injuries, including but not limited to trespass, theft, assault, and murder. 

XXXX, claims, and representations, whether truthful or false, are not, in and of themselves, violations of natural law. A person XXXX speak falsely, claim falsely, and assert that which is untrue, and this does not, in itself, constitute an actionable offense. 

Therefore, the mere existence of a fraudulent contract does not violate natural law. No person is bound to believe a lie, just as no person is bound to act on a deception. It is the duty of every individual to exercise reason, judgment, and discernment. 

If XXXX XXXX voluntarily made payments on a mortgage contract that was fraudulent, this court can not consider such payments an injury. His error was in believing the fraud, and he is not entitled to restitution for what he gave freely, however mistaken he XXXX have been. The responsibility to determine truth from falsehood belongs to him alone, and he is not permitted to outsource that duty to another person, institution, or authority. 

However, upon the discovery of the fraud, any further action taken against XXXX XXXX to compel performance under false pretenses crosses the line from mere speech to coercion. The moment force is applied, whether directly or indirectly, the fraud becomes an act of trespass and theft, and the perpetrators become accountable under natural law. 

XXXX. The Legal Fiction of Alliant Credit Union Alliant Credit Union alleges that it loaned XXXX XXXX a sum of XXXX dollars in exchange for a promissory note secured by his property. This court finds that no loan was made, because no lawful money was transferred, no contract was formed, because a contract requires valid consideration, and the agreement was void from inception, as fraud negates contract formation. 

The term XXXX dollar has a fixed, lawful definition, as established in the XXXX XXXX of XXXX. A dollar is XXXX grains of pure silver or XXXX grains of pure gold. 

Federal Reserve XXXX are neither gold nor silver, nor are they redeemable for such. They are private banking instruments created as debt, not as lawful money. A promise to pay nothing is no promise at all, and a contract that rests upon such a promise has no force under natural law. 

Since Alliant Credit Union contributed nothing of value, no lawful contract was ever formed. 

However, this court does not hold Alliant Credit Union accountable for fraudulent speech alone. As previously stated, any party XXXX claim anything it wishes, even falsely, and it remains the responsibility of others to discern truth from deception. 

The fraud does not become actionable until it is accompanied by coercion. 

XXXX. The Violation of Rights and the Crime of Trespass Upon XXXX XXXX XXXX that the alleged contract was fraudulent, any further attempt to compel his performance, whether through threat, enforcement action, or legal force, became an unlawful violation of his rights. 

Alliant Credit Union, in seeking to foreclose on XXXX XXXX home, initiated an act of theft. 

Since Alliant Credit Union itself has no means of enforcing its own claims, it sought the aid of the XXXX XXXX XXXX XXXX to act on its behalf. Any XXXX, official, or entity that attempts to enforce a fraudulent contract by force or threat of force is not merely participating in fraud but committing trespass, theft, and potentially assault against XXXX XXXX person and property. 

This court, therefore, makes the following findings. 

Alliant Credit Union had no legal claim to XXXX XXXX property. XXXX XXXX XXXX foreclosure action was an act of attempted theft. Any person, XXXX, or agent acting under the name of the XXXX XXXX XXXX XXXX who attempts to enforce the fraudulent claim is guilty of trespass, theft, and, depending on the force used, potentially assault. If such trespass results in physical harm or death, the perpetrators will be accountable for assault or murder, as force applied in service of an unlawful act does not carry the protection of law. 

In plain terms, fraud does not obligate performance, but the attempt to enforce fraud obligates resistance. 

IV. XXXX XXXX of the XXXX This court declares the following. 

XXXX is not a matter of law, but a deception that falls outside the scope of enforceable contracts. No person is bound to perform under a fraudulent obligation. No court, including this one, XXXX recognize an obligation that does not exist. No authority, public or private, XXXX claim ownership over a mans property based on an agreement that was never real. XXXX XXXX XXXX claim against XXXX XXXX is dismissed, not because it lacks merit, but because it lacks existence. 

This court will not enforce the weight of nothingness, nor will it burden the defendant with proving that nothing is nothing. The fraud, being null and void from inception, is not subject to adjudication, remedy, or appeal. 

This is the rarest of judgments, not a ruling against a contract, but a recognition that nothing happened at all. The burden, then, does not fall upon the defendant to seek remedy, nor upon this court to XXXX it, but upon the fraudsters to answer for why they ever believed nothing could rule over something, why deception could bind men, and why this court should entertain their illusions. 

The XXXX XXXX XXXX Colorado, having heard the claim of nothing, rules that nothing is still nothing, and nothing shall be done. 

It is so declared. 

Epilogue : A Warning to the XXXX XXXX this ruling be a lesson not only to the defendant, but to all who perpetuate the system of fraud, XXXX money, and economic servitude. Let the fraudulent be put on notice that their deception holds no authority, their claims hold no weight, and their demands hold no force. 

XXXX will not be entertained. 
XXXX will not be enforced. 
XXXX will not be heard. 

Nothing is still nothing. 

Issued by the XXXX XXXX XXXX Colorado XXXX : XX/XX/year> 2025

Company response to consumer: Closed with explanation