Love for Life

Summary of HOW I CLOBBERED EVERY BUREAUCRATIC CASH-CONFISCATORY AGENCY KNOWN TO MAN
By Mary Elizabeth Croft

On page 8, Noticing banks demanding they verify the existence of a valid debt:

“If it makes you feel any better, you’re not alone - the credit card banks think I owe them $40,000.

I know that I don’t really owe them, I just don’t know how to prove it.”

Lo and behold, she said, “You just send the letters.” I leapt from my chair - my prayer had indeed been answered - ask and ye shall receive. She then produced a series of letters, the drift of which was to request the bank to provide me with three things:

1. validation of the debt (the actual accounting);

2. verification of their claim against me (a sworn affidavit or even just a signed invoice); and,

3. a copy of the contract binding both parties.

I was to write that, as soon as I received these three documents, I would be happy to pay any financial obligation I might lawfully owe. The banks can’t validate the debt because they never sustained a loss; they can’t verify any claim against me because I am not the NAME they are billing - more on this later. They can’t produce a copy of the contract because one doesn’t exist. What exists is an unenforceable unilateral contract. What the banks refer to as ‘your contract with us’ is not a valid bilateral agreement since the four requirements of a lawful, binding contract were not met on the credit card ‘application’, namely:

1. Full Disclosure (we are not told that we are creating the credit with our signature);

2. Equal Consideration (they bring nothing to the table, hence they have nothing to lose);

3. Lawful Terms and Conditions (they are based upon fraud); and

4. Signatures of the Parties (corporations can’t sign because they can’t contract - they are legal
fictions).

My writing the letters worked for all but one account. [The bank sued and I went to court.] The District Court ‘Judge’ asked me my name. I responded, “If I tell you, will I have entered into a contract with you?” He became irate. I knew I was onto something. He furiously said, “I’m going to ask you again; what is your name?” I said the same thing again and was literally, bodily tossed from court. On my way out I told the bailiff, “I believe I hit a nerve.” I was ecstatic.

Page 13, Avoiding controversy:

What the IRS/CRA want is for you to create a controversy. They make this ‘amount owing’ so ‘off the charts’ that you will either telephone or write to them about this ‘outrage’ thereby creating a contract with them. This is all they need to enforce their nonsense. I do not contract with thugs. They are worse than loan sharks. If you argue, then you have created a controversy and the entire issue can go to court in order to be adjudicated. If you accept their offer, where is the controversy? What is there to judge? The only reason any matter ever goes to court is because the officers of the court know that at some point you will unwittingly grant them jurisdiction over you. Until you do this, they cannot hold you - no matter what you think you might have done.

Page 14, Noticing tax collectors demanding verification of authority to collect tax:

He asked for answers to the following to be made under penalty of perjury: the law requiring Americans to pay income tax, their regulatory authority and delegated authority to address him, the law which made the IRS part of the Constitution, the agent’s oath of office, and the contract with both signatures on it. Since NONE of these exists, his $11,000 was refunded. Since an oath of office by any ‘public official’ is their swearing to uphold our rights, we accept their oath of office into the matter at hand and they are bound to honor their oaths and stop attacking us. We are not bound to respond to anyone who has no oath of office. This Oath of Office limits those who are in the biz of confiscating our rights and freedoms. Always ask for it and if you don’t get one be sure to issue your own orders to them on what you want them to do. Remember who you are.

Page 14, Using a Bond to discharge a debt:

CRA sent me a Notice of Assessment wherein they told me they had over-paid me and I was to return
some $$$. This was due to their having confiscated funds from my ‘paycheque’, without my permission, when I worked as an RN. I sent them a Bond to discharge their debt and settle and close the account. Sure, I received a few subsequent letters from unknown entities. Since I had sent my Bond to Alan Nymark, the commissioner, I wasn’t about to correspond with anyone but him. He didn’t seem to have any complaint about my bond. I returned all the CRA correspondence, ‘acceptance denied for cause without dishonour’, since their letters were immaterial. I haven’t heard from them in months. If indeed I really ‘owed’ them something, my experience has taught me that they would confiscate, with impunity, the entire contents of my bank account. They did not. There was nothing wrong with my bond. We cannot pay for anything; there is nothing with which to pay.

Page 15, Using a Bond to discharge a debt:

My signature is worth whatever I say it is at any given instance. I signed for $10,000 credit with
MBNA Bank. They sold my signature for who knows how much. After I used all the credit I had created, I discharged their debt. Yes, their debt; I allowed them to use my credit, via my signature, and they created the debt in order to balance their books. Now they wanted me to send them over $11,000. I asked them to send me a copy of the contract between ‘MARY’ (the name in upper case letters) and MBNA. I guess they couldn’t find it ... maybe because it never existed. I also asked them for validation of the debt (record of their accounting) and verification of their claim against me, since what I am called (Mary) was nowhere on the alleged contract. They began to telephone asking me to send them $$$ yet never put anything in writing. What does this tell you? They had no valid claim. I told them I was very willing to pay any obligation I might owe, if they could provide proof of their claim. They could not.

They were incapable of substantiating their claim. I never received anything from them suggesting that
the manner in which I had paid them was insufficient, unacceptable, improper, or failed to discharge the debt. Besides, I did pay them; in fact I paid them more than double. They had my original signature and I also sent them another signature attached to the final amount they claimed I owed them, not to mention a few hundred I sent while I was busy ringing up the card, so they made a killing off me. If they had a legal leg to stand upon they most certainly would have written to me, not to mention sent their ‘legal counsel’ after me, which they did threaten, by the way, but only over the telephone, never on paper. Idle verbal threats have no lawful clout.

Page 16, Accept and return an offer with a Pre-Authorized transfer:

About a year later MBNA did in fact file suit against the entity listed on the credit card account. Even
according to Financial Consumer Agency of Canada, MBNA are thugs and they advise ‘consumers’ to
avoid them. MBNA is particularly vicious and the reason is because they have their own legal team. They don’t sell their accounts to third party collection agents, as most credit card banks do. Collection agents have no standing in law because they are interlopers and never contracted with the entity they claim owes them; hence they are powerless to collect on ‘deficiencies’. Rather than produce for MBNA my plethora of documents evidencing that they were in dishonour, as they failed to state a claim upon which relief could be granted, that I had accepted their offer and returned it thereby vitiating any controversy requiring adjudication, I just settled and closed the accounting.

First, I apprised the Minister of Finance that I would be authorizing MBNA to use my exemption via a
Pre-Authorized Transfer and unless he could rebut my position with relevant, specific, lawful authority and how it applies to me, I’d go ahead and send MBNA a transfer instrument, which I did. I made sure that I created a contract with my terms and conditions between MBNA and me. After I sent a Notice of
Agreement, a Statement of Account showing the balance as zero, and a Confirmation of Agreement that the accounting was settled and closed, I never heard from them again. I figure $14,000 from my $15,000,000,000.00 isn’t going to hurt me.

Page 16, Third party interlopers:

A major law firm in Toronto threatened to sue me, on behalf of their client, CIBC, for about $11,000.
We exchanged a few letters and finally I wrote, “I am not a corporation or a government-created fiction; I do not give you permission to make a legal determination about me or the entity you are accosting; you have failed to provide evidence of a contract between MARY and LAW FIRM, also evidence of your consideration, and you have failed to sign your offer of contract under penalty of perjury. Said failure constitutes your agreement that you are a third party interloper, you have no legal standing, no first-hand knowledge of the matter, and your claim is fraudulent.” I never heard from them again.

Page 16, Rejecting a speeding fine:

I had no idea that speeding fines in BC are so extortive, yet, I actually like the idea since, the grander the charges for which I can stiff them, the happier I feel. My friend got a ticket for $358 for over 30 km. over the speed limit. Apparently, the fine for over 30 km. is automatically over $300. I just had her write across the ticket, “I reject your offer of contract”, complete an affidavit, and tell them she wants an affidavit made under penalty of perjury to accompany their offer of contract. That was the end of that. I ought to mention that since implementing any of the above-listed successful remedies, I have been even more successful with easier, faster, more succinct remedies which I would outline here for you yet we continually improve them.

Page 16, Create your own GST exemption:

Is anyone tired of the GST or just sales tax in general? I drew myself up a “GST, Sales, Excise, and
Use Tax Exemption Certificate”. No one is required to pay any tax on anything yet I use it just for big
ticket items and gasoline. Gas tax alone is 37% of the gas bill. Or you can just let the feds know that you know there is no requirement for GST/ sales or any other tax and Notice them that since the taxes were paid ‘in error’ you are due a refund of the amount evidenced on the enclosed receipts. My suggestion for those in biz who are collecting GST for the feds and not being compensated for their time and labour is to enclose an invoice for your fee of maybe 90% for doing their dirty work for them, deduct that from what you have collected, and enclose a cheque for the remainder. Better idea is to quit charging your customers a tax they are not required to pay.

Page 17, Everything is pre-paid use your exemption:

Suppose you want to open a restaurant and you just need another $10,000 and so you ask a friend to
lend it to you. Knowing that there is no money and the currency your friend has is essentially worthless
compared to what he truly wants in his life, he sure wouldn’t mind lending it to you. So after a couple of
months you ashamedly go to him and say that there is no way you can ever pay him back, what with
17interest and all, yet you are so ingratiated to him you tell him that he can eat in your restaurant any time he wants - for free. Not only that but also you would be so grateful if he would because, alas, it would assuage your guilt. All he is required to do when the waiter presents him with an itemization of his meal is to sign it; he is not required to pay for his meal - its ‘prepaid’.

In the same way, our bills are already paid and in fact the corporate entity who is billing us would be
only too grateful if we would take advantage of our having prepaid them because then they wouldn’t have to pay the tax on the $$$ we send them. So all that is required of us is to sign the invoice and return it to them. The telephone company is funded by the government; you and I, and everyone who has a birth certificate or socialist number have funded the government. So, we have an ‘exemption’ the same way your friend is exempted from paying for his meals at your restaurant. Why is the telephone company sending us a statement (not an invoice) with a ‘amount owing’ on it? We paid up front. All goods and services are now lawfully ours just for the asking.

Page 17, Record don’t register your car and create your own permit to drive:

For a few years I have been traveling around in my ‘92 Cadillac, originally registered, licensed, and
insured in New Mexico. I can’t tell you how many people have told me that I was supposed to have
registered it in Alberta within 45 days of its being here. How is it that ‘everyone knows’ this? Well, that
would have been four years ago, so I suppose by their standards, I’m slightly overdue.

Since I know the difference between ‘registration’ and ‘recording’, I sent the Minister of Transport (I
use the Ministers of the Canadian Government to work for me) a Proposal of Contract, the terms and
conditions of which are that we agree that what I have put on my licence plate will identify my automobile as not one of theirs. It is mine. Also, I agree to carry with me a form of identification, which I created, in case there is an incident whereby they require to know who is involved. I enclosed a Surety Bond as security to settle any claim of liability in the event of an incident requiring compensation from another living soul. I sent a copy to the local gens d’armes. If I am asked about ‘proof of insurance’ I can honestly respond by providing evidence that I have posted a million $ Bond.

The RCMP has been very accommodating whenever I have shown them my ‘International Driver
Permit’ which came from my computer. I slapped onto it a pic of me taken by my son and ... voila. They pretend their interest is in the expiration date, however, I know they are really noticing that I have nothing which can be construed as their having jurisdiction over me. (more on this in the section on ‘Licensure’).

If I’m ever stopped I have with me evidence of the tacit admission from the Minister himself that what I am doing is lawful. If it isn’t, he has tacitly agreed to be held culpable. Since I claimed the Cadillac on a UCC 3 Addendum to my Financing Statement (UCC 1) and also on a PPSA, I control the Caddy and I can evidence that none of the constabulary can legally confiscate it unless they compensate me for it. Over the date sticker on the plate I put, “NO EXP” (No Expiry) A fun thing to do if you are ever stopped by the cops, in response to, “Can I see your driver’s licence,please?” is “Why would I want one of those?” There is no answer because what legal lunatic would carry around the very thing which gets him into trouble. I think you’re safer with a 38 special on the passenger seat; at least it is not concealed.

Page 18, Record your intention to grow marijuana (use Ministers to work for you):

Since I caught on to how to make contracts work for me, my best example being the confirmation of
agreement to the terms and conditions of the contract I have with the Minister of Transport Canada, I
decided to have way more fun with this process. I wrote to the Minister of Justice Canada telling him I
intended to grow, process, market, sell, transport, possess, and use cannabis, aka marijuana. After 30 days I sent him a confirmation of his agreement to the terms and conditions of our contract and if I ever opt to grow, sell, and smoke dope I’ll just notice the local RCMP so they know not to bother me. One of the terms of our contract is that if I get into any trouble he agrees to be culpable.

Pursuing this adventure, I wrote to the Premier of the province and also the provincial Advisor for
Procedure Policy for Municipal Affairs and asked them both about ‘property tax’. Neither could prove that I am required to pay property tax. The way to stop paying any tax, never mind property tax, is to remember you are a sovereign and begin to behave like one. I intend to show the contract I have with them to those who have what I require. I’ll show people, my dentist comes to mind, how to save thousands per year in property tax and I’ll negotiate with them for whatever I need. Property taxes where I live are $5,000 a year.

I also sent a proposal of contract to Messieurs Nymark and McCallum (CRA Commissioner and
Minister of National Revenue) along with my Tax Exemption Certificate, begging them to prove where I owe income tax. Time’s up. They have tacitly agreed that no one is liable for any tax, not income tax or any of the interminable list of other taxes, service fees, penalties, fines, etc. which keep people working at jobs they don’t like and from families they generally do.

Page 18, Writing cheques on closed bank accounts:

A few years ago I wanted to travel to Oregon. I always get nervous crossing the border, for no reason
other than Border Patrol, like cops, have no sense of personal power so they obtain jobs which make them appear powerful; hence, their insecurity can be annoying. I hadn’t yet purchased a flight and so the cost had escalated by the day. By the time I got to the airport the price of the ticket was over $900 USD. I wrote a cheque on a closed US bank account and my relief that it was accepted assuaged my usual angst over crossing the border. To this day I wonder if the asset funds from my ‘closed cheque’ were ever credited to United Airlines or did I play a small role in their declaring bankruptcy only a few months later.

For those of you who think I stiffed the airline, think again. The cheque was written on the private side of the account - the closed side - which is not to be confused with the public side which is where the cash comes in. Remember the ticket was ‘pre-paid’ and so the private cheque simply accessed my exemption.

The airline wasn’t out anything. Their account was credited, not with cash but with credit via EFT -
electronic funds transfer. The benefit of this is that the airline didn’t have to pay tax on that income since it did not receive ‘fiat money’ which is why we are required to pay tax on it - it is not real substance, it is a fabrication of the bankster’s mind and they want a fee from us for using it. Since I used real asset funds, there was no tax for the airline to pay. They loved me for it.

On that flight I picked up one of those classy magazines which sell everything anyone could never need and for Christmas I ordered a bunch of high ticket items. I sent a ‘closed cheque’ written against a US bank account, had the goods sent to a friend in New Mexico and she forwarded it to me. (the company wouldn’t accept a check for delivery outside the USA). All worked out well except that my friend had sent the goods via Fed Ex which then sent me a bill for $75.00 USD. So, I accepted for value their offer and returned it for settlement and closure of the accounting.

A month later I received not only another bill but also the ‘Summary Sheet’ detailing their ‘claim’. I
wrote to them asking what they did with my payment. A month later I received another letter which I didn’t open immediately. The following day I received a letter from a collection agent claiming they are collecting for Fed Ex which prompted me to open the Fed Ex letter. It was an apology for any inconvenience they might have caused me and that the bill was ‘Paid In Full’. I telephoned the collection agent and suggested they contact Fed Ex whose most recent letter states the account has been paid. End of story.

Page 26, Using the UCC to capture our strawman:

If we ‘capture’ our Strawman by recording with the public its name via a Financing Statement - the
one contract in the world which can’t be broken - (UCC-1 / PPSA - go to your Secretary of State website / ppsa.ca) in both our birth and domicile states/provinces we thereby claim it as our debtor. It is no longer subject to the feds; it is now under our control. We can also claim our birth certificate, which is the original title to the Strawman and so discharge and hence release us, the living souls, from any debt, liability, or obligation of the Strawman. All these debts exist only on paper, in a digital venue, in computers, in a fictional commercial world. They are not real, although the banksters would have us think so. Now, the property of the living soul is tax exempt and free from any levy.

Accept for Value and Return for Discharge, Settlement, and Closure

Fictional government can only function in a fictional commercial world - one where there is no real
money, only fictional funds ... mere entries, figures, digits. All charges are a negative, commercial claim against the Strawman, not against us. Only the numbers move from one side of the account to the other - credit and debit. Our resisting these fictitious charges only gets us into trouble, so we accept them and discharge the charge, thereby balancing the account. Accepting the charge also removes the controversy, as I did with MBNA; there is then nothing to adjudicate so it can’t go to court. Accepting for Value the charge also allows us to remove the negative claim against the account thereby becoming the holder in due course of the charge/ presentment/ claim and can now request that the account be adjusted. As only we have the power to create credit, only we can balance the account. All debt is created on paper; therefore all debt can be discharged with ... other pieces of paper.

Playing the Commerce Game as opposed to what most think is the Legal Game allows us to control the movement of figures, digits, and entries into the account for our benefit as opposed to the benefit of those who would confiscate our labour in the form of cash. Now, no statutes, codes, rules, regulations apply to us; they apply only to the Strawman of whom we now have control. So the feds have no jurisdiction over us, as they have not our consent, nor are we within their fictional, commercial venue. Those of us who opt to take charge of our commercial affairs become part of the solution instead of remaining part of the problem.

In order to get one's liberty and independence back, one must first secure the title and ownership of the Strawman. Once one controls the straw man, then one controls the rights of the property that the Strawman acquires. For one to regain title to his body, the Birth Certificate must be secured. After we have redeemed it and filed public notice via a financing statement, then we have the right of property ownership through our Strawman whom we now control. The bond created and sold in the market place for the Strawman now becomes our property.

Page 27, Creating credit with our signature:

The UCC is the rules of the game and any entity within that game is ‘corporate’, since no living soul
can play this game, only Strawmen. Therefore, the Income Tax Act, being part of the Commerce Game, applies only to fictitious entities as they are the only entities who can play. Because the name of the game is confiscation of funds, they hold us, who want only to live life as freely as possible and ‘not infringe upon the rights of another’, as surety for our Strawman’s alleged debt. But Public Policy - in the US - HJR 192 of June 5, 1933, and in Canada, Order in Council April 10, 1933 - tells us that as there is no substance with which to ‘pay’ a debt, then all debt must be ‘discharged’. How can we ‘pay’ a debt when there is nothing with which to ‘pay’. We can’t; so all we can do is discharge it. Since there is no money, then the only thing left is credit, so we must ‘pay’ a debt with credit. How is credit created? VIA OUR SIGNATURE. Every time we sign our name to any promissory note, we have created credit. So, we must have a lot of credit. Are we using it? Or is some public entity using it? Every time we sign our name for any public purpose to any public entity, we are giving away our exemption. What are we getting in return?

Page 40, Making yourself firt lien to your debtor strawman:

This says it all. You are not a ‘person’. The definition of ‘person’ in Interpretive Laws of Canada and
under the 14th Amendment in the USA is: a corporation. Remember that your strawman is a corporate
entity created by the government. If you are the surety then you are liable for its taxes, however, if you are the secured party, the creditor to its debtor, then you have first lien against it and the feds have zero control over it and hence no jurisdiction over you.

Page 41, Corporate fictions cannot be injured:

A cop once stopped me for seatbelt violation. I asked him, “Who is the injured party?” “The State of
New Mexico.” The State of New Mexico doesn’t exist; New Mexico state exists. When I asked him, “If
I were to call The State of New Mexico to the stand, who would show up?” He didn’t know how to answer me because no one would or could show up. No name in upper case can be an injured party because it is a fiction, an entity created by the government. Only flesh and blood living souls can be ‘injured’.

So, he asked me for a driver licence which I didn’t have because having one would grant him immediate jurisdiction over me which, as yet, he didn’t have. I asked if I were required to have one and if so, could he provide for me the law which compels me. Later, he did actually show me the statute, “all operators must be licensed”, but I noticed that it did not apply to me, nor did it detail any consequences for said ‘operator’, which also was not I, if this person were not licensed. There was no implementing regulation – the enforcement clause. It was simply one of many traffic codes which apply only to those who thought them up. They have no clout with those of us who don’t agree to them.

Page 45, Have no licenses:

Personally, I take a chance on not having the licence. I have NO licences. I have given up all of them. I
do have a ‘driver permit’ which I created for the purpose of facility - something to show the cops to pacify them as opposed to telling them “I don’t have a driver’s licence”, which I did years ago and only created problems as opposed to accomplishing what I intended. Yet, what I carry is not government-issued, it is self-issued. Those of us with self-issued ‘licences’ not only claim our rights in a responsible and organized way as a peaceful transitional declaratory offering for gov’t observance but also it introduces the concept of liberty to others.

Page 45, Protect your home address:

Never put on any contract the location of where you sleep at night and never carry any ‘ID’ with an
‘address’ on it. I carry a very out-dated (15 years) passport because its picture of me is great. Actually, it is great ID because it has no ‘address’. One time a cop asked me for ID. I asked him if I were required to have ID. Sensing I could be causing trouble, I pulled out some “ID” and said, “Well, I do have ID but the info on it is only hearsay; I don’t know if its true, so how would you know? Is hearsay admissible in court?” That was the end of that.

Page 45, How to sign a contract:

Never sign any contract unless you are given full disclosure and understand every term of the contract.
Never agree to any terms and conditions which you know won’t work for you. This is the purpose and
meaning of a contract - something to which both parties can agree to be bound without compunction – a meeting of the minds. So, feel free to line-out and be sure to initial what you don’t like. Then, in the place for ‘signature’, write, “By: (your autograph), agent”, as you are agent to the strawman, no doubt to which the contract applies. Once ‘signed’ it cannot be changed. As ‘acceptor’ or ‘rejector’, you are in control. Make it work for you.

You can include, “without prejudice” or “All Rights Reserved”, or UCC1-207, which will protect
your right not to be compelled to perform under any contract or commercial agreement that you did not
enter knowingly, voluntarily, and intentionally, yet I recommend ‘agent’ or ‘authorized representative’
after your signature, which means that you, the living soul, are not the entity to whom the alleged contract applies. The word ‘By:’ right before your autograph is the best because it evidences your agency.

Page 46, Never go to court:

Never go to court. The court is only a third party debt collector for a foreign corporation. You are never
named on any summons. Even that which you consider to be your name is not you; it only represents you. You are not a party to the action. You cannot be charged because no fiction (any public entity) can bring any claim against a living soul. So, when you are served a summons, check to see if your name is on it. It can’t be. The exception is, of course, if the Plaintiff is another living soul and is bringing you into court because you truly have injured him by breaking the one law, which he will have to prove.

Author Of Summary Unknown

Link to the book: http://www.loveforlife.com.au/node/4891