Foreclosure Defense Nationwide (FDN) Website And Blog

WELCOME TO FORECLOSURE DEFENSE NATIONWIDE

August 1, 2008

Foreclosure Defense Nationwide (FDN) is a resource which provides free and public information as to issues and developments in the defense of foreclosure actions throughout the United States, including the filing of legal actions, judicial rulings, generic forms, and articles on various foreclosure defense matters. FDN also provides links to resources such as auditors, attorneys, mediators, and real estate professionals to assist those facing either the threat of foreclosure or an actual foreclosure proceeding.

We will endeavor to respond to every request made to us, whether by phone, fax, or e-mail, as quickly and as thoroughly as possible. This may include a reference to one or more professionals. When using our “Contact Us” link, please be sure to include all requested information so that you may be provided with the most accurate assistance.

Unless otherwise noted, the articles and commentary and the sample court filings which appear on this blog were authored by Jeff Barnes, Esq. As blogs contain information available to the “Internet public”, you may see some of these articles and court filings on other blogs (sometimes with the names redacted). Blogs do share information so that as many foreclosure victims as possible may obtain information on foreclosure defense.

The sample court filings which appear on this website are public information for informational purposes only; were specifically prepared as to specific facts for specific cases in specific jurisdictions; and are not meant or intended to be copied or otherwise used for any other purpose. FDN does not counsel, approve, or condone the copying or other use of any matters in the sample court filings for any purpose, any case, or any situation, and anyone who uses this material in any case does so at their own risk and without any approval from FDN or its attorneys.

Legal defense of foreclosure proceedings is a highly complicated, intricate, and sophisticated procedure which should only be undertaken by attorneys who practice in this area of the law on a regular basis. Non-attorneys who attempt to practice law may find themselves hurting their case and ultimately losing in court and possibly being subject to sanctions from the Court as well.

ABOUT FORECLOSURE DEFENSE NATIONWIDE
AND WILLIAM JEFF BARNES, ESQ.

Jeff is the founder of the Foreclosure Defense Nationwide (FDN) website and blog. His law practice is heavily oriented towards defense of foreclosure actions throughout the United States, with his Firm currently representing victims of foreclosure and predatory lending practices in the states of Alaska, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Illinois, Maryland, Massachusetts, Michigan, Missouri, Montana, New Jersey, New York, North Carolina, Ohio, Oregon, South Carolina, Texas, Vermont, Virginia and Wisconsin.

Jeff has been a member of the Florida Bar since 1988 and the Colorado Bar,first admitted in1990. He has been previously admitted to practice in the Superior Court for the State of New Jersey (Atlantic City); the Hennepin County Circuit Court (Minnesota); the Norfolk Superior Court (Commonwealth of Massachusets); the Circuit Civil Court of Walker County, Alabama; and the Superior Court for the State of California (Orange County).

He is also admitted to the United States District Court for the Southern and Middle Districts of Florida, and the United States Courts of Appeals for the Third, Tenth and Eleventh Circuits. Jeff has been previously admitted to practice in the United States District Court for the District of Minnesota (Duluth); the United States District Court for the District of New Jersey (Newark); the United States District Court for the District of Wyoming; and is currently admitted pro hac vice to the United States District Court for the Northern District of Ohio (Eastern Division); the United States Bankruptcy Court for the Northern District of California (San Jose Division); the United States District Court for the District of Maryland (Baltimore and Greenbelt Divisions); the United States District Court for the Northern District Georgia (Newnan Division); the Superior Court of New Jersey (Atlantic County); the Superior Court of Massachusetts (Plymouth); the Superior Court of Coweta County (Georgia); the Superior Court of Washington (Ferry County); and is currently seeking admission pro hac vice to the Supreme Court of New York (Suffolk County), the Superior Court of Beaufort County South Carolina, and the State Court of Maricopa County,Arizona, in connection with foreclosure defense litigation.

Jeff has spent over twenty years litigating throughout the United States in the areas of business tort litigation, contract litigation, insurance litigation (coverage, claims, premium fraud defense, and Unfair and Deceptive Insurance Practices), fraud litigation, real estate litigation, and Administrative proceedings involving defense of chiropractors in disciplinary proceedings and appeals in deportation proceedings. His practice includes both trials (jury and non-jury) and appeals.

After graduating from Franklin & Marshall College in Lancaster, Pennsylvania with a degree in Experimental Psychology, Jeff obtained a Master of Science degree in Education and his Juris Doctor (law) degrees from the University of Miami (Florida). Between graduation from college and prior to law school, Jeff was a public and private school teacher in Miami, Florida, having taught elementary, junior, and senior high students, as well as serving as an assistant adjunct professor at Florida International University in the areas of Behavioral Science Statistics and Preventive Law to Master’s and Doctoral candidates. While in law school, Jeff served as a prosecutor in the Office of the State Attorney in Miami, Florida.

FDN handles foreclosure defense matters in both judicial and non-judicial (trustee) jurisdictions and is affiliated with mortgage loan auditors who conduct a review of mortgage documents to ascertain any violations of Federal lending laws. An audit is strongly recommended for anyone seeking to defend a foreclosure action. FDN will provide contact information for an auditor upon request made through our “Contact Us” link.

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SUPREME COURT OF KANSAS BLASTS MERS’ ALLEGED RIGHT TO ASSIGN MORTGAGES AND NOTES: DECISION HAILED AS MILESTONE VICTORY FOR BORROWERS DEFENDING FORECLOSURE PROCEEDINGS INVOLVING MERS ASSIGNMENTS

By Jeff Barnes, Esq.

September 17, 2009

The Supreme Court of Kansas has issued a landmark decision which, although decided on a narrow legal issue involving a request by MERS and Sovereign Bank to set aside a default and intervene in a foreclosure action, essentially invalidates all MERS assignments based on the Court’s finding that MERS never had any legal interest to assign the note. The full text of the Court’s opinion and additional commentary may be found by contacting mortgagefrauds@aol.com.

In the case, which is styled Landmark National Bank v. Kesler, Supreme Court of Kansas No. 98,489 (Opinion released August 28, 2009), MERS and Sovereign Bank sought to overturn lower court rulings that a non-lender is not a “contingency necessary party” (also termed an “indispensable party” in other jurisdictions) in a mortgage foreclosure action, and that due process did not require that a non-lender be allowed to intervene in a mortgage foreclosure action. Although not appealed on the specific ground of MERS’ legal authority to assign mortgages and notes, the Supreme Court of Kansas went to painstaking detail to discuss this alleged authority in connection with MERS’ claim that it had the right to intervene in and be made a party to the foreclosure action, ultimately finding that MERS had no such authority and thus the lower courts properly denied MERS’ and Sovereign’s requests.

The borrower took out a first and second mortgage with two different lenders, each of which recorded their mortgages. The original lender on the second mortgage, that being Millennia Mortgage Corp. (of Laguna Hills, Orange County, California), allegedly assigned, through MERS, the mortgage and note to Sovereign without either MERS or Sovereign recording the alleged assignment. A foreclosure was instituted by the original lender on the first mortgage which named the borrower and Millennia. Neither MERS nor Sovereign was named in the action as the alleged assignment of the second mortgage from Millennia to Sovereign by MERS was never recorded. MERS and Sovereign thereafter found out about the foreclosure and sought to set aside the default against Millennia (which obviously did not respond to the lawsuit as it had assigned the mortgage to Sovereign, or so it thought) and intervene in the foreclosure action, doing so well after the Sheriff’s sale of the property.

The MERS assignment contained the typical language where MERS was the alleged “nominee” and functioned solely in that capacity for Millennia. The Kansas Supreme Court noted that the attorneys attempted to define what a “nominee” is “in much the same way that the blind men of Indian legend described an elephant-their description depended on what part they were touching at any given time”. Notwithstanding the strained attempts of the attorneys, the Kansas Supreme Court held that “The relationship that MERS has to Sovereign is more akin to that of a straw man than to a party possessing all the rights given a buyer”, and that the mortgage document consistently limits MERS to acting “solely” as the nominee of the lender (and not with any authority to assign).

The Court further held that “in the event that a mortgage loan somehow separates interests of the note and the deed of trust, with the deed of trust lying with some independent entity, the mortgage may become unenforceable” as “The practical effect of splitting the deed of trust from the promissory note is to make it impossible for the holder of the note to foreclose, unless the holder of the deed of trust is the agent of the holder of the note. Without this agency relationship, the person holding only the note lacks the power to foreclose in the event of default”. This holding is particularly significant in securitized mortgage loan transactions where the mortgage was assigned to a securitized mortgage loan trust as collateral in connection with the issuance of mortgage-backed securities (also termed “certificates”), and the purported “assignment” of the Note by MERS was ineffective due to a lack of authority, thus severing the note from the mortgage.

The Kansas Court further held, citing legal decisions from other jurisdictions, that because MERS was not the original holder of the promissory note and because the record contained no evidence that the original holder of the note authorized MERS to transfer the note (as MERS’ authority, as set forth in the mortgage document itself, was “solely as nominee”), the language of the assignment purporting to transfer the promissory note was ineffective. The Court held that for there to be a valid assignment, there must be more than just the assignment of the deed alone and that the note must also be assigned, and although MERS purportedly assigned both the note and deed of trust, there was no evidence that established that MERS either held the note or was given the authority to assign the note, resulting in the assignment being ineffective.

The Court went on to note that “The practices of the various MERS members, including both the original lender and the mortgage purchaser, in obscuring from the public the actual ownership of the mortgage (as the MERS assignment from Millennia to Sovereign was not recorded), thereby creating the opportunity for substantial abuses and prejudice to mortgagors, should not be permitted to insulate the mortgage purchaser from the consequences of its actions in accepting a mortgage from an original lender that was already the subject of litigation in which the original lender erroneously represented that it had authority to act as mortgagee”.

We presently have several cases where different foreclosing parties, most notably IndyMac Bank, are engaging in this type of wrongful action: that is, attempting to foreclose representing that they have an interest in the mortgage when they previously “assigned” their interest to one or more third parties, including securitized mortgage loan trusts, through MERS.

We have also previously reported that a Federal Court in Nevada similarly attacked MERS’ purported “authority”, finding that there was no evidence that MERS was the agent of the note’s holder (In Re: Joshua and Stephanie Mitchell, Case No. BK-S-07-16226-LBR [U.S. Bankruptcy Court, District of Nevada, Memorandum Opinion of August 19, 2008]. The Court of Common Pleas of Sumter County, South Carolina also found that MERS’ rights were not as they were represented to be; that MERS had no rights to collect on any debt because it did not extend any credit; none of the borrowers owe MERS any money; that MERS does not own the promissory notes secured by the mortgages; and that MERS does not acquire any loan or extension of credit secured by a lien on real property. Mortgage Electronic Registration Systems, Inc. v. Girdvainis, Sumter County, South Carolina Court of Common Pleas Case No. 2005-CP-43-0278 (Order dated January 19, 2006, citing to the representations of MERS and court findings in Mortgage Electronic Registration Systems, Inc. v. Nebraska Dept. of Banking and Finance, 270 Neb. 529, 704 NW 2d. 784). As such, ALL MERS assignments are suspect at best, and may in fact be fraudulent.

The importance of the findings of the Supreme Court of Kansas cannot be overemphasized. It is generally the law in all states that if the law of one state has not specifically addressed a specific legal issue that the court may look to the law of states which have. The Kansas Court acknowledged that the case was one of “first impression in Kansas”, which is why the Kansas Court looked to legal decisions from California, Idaho, New York, Missouri, and other states for guidance and to support its decision. As we have previously reported, the Ohio Courts have looked to the legal decisions of New York to resolve issues in foreclosure defense, most notably issues of standing to institute a foreclosure.

It is practically certain that this decision will be the subject of review by various courts. MERS has already threatened a “second appeal” (by requesting “reconsideration” by the Supreme Court of Kansas of its decision by the entire panel of Judges in that Court). However, for now, the decision stands, which decision is of monumental importance for borrowers. It thus appears that the tide is finally starting to turn, and that the courts are beginning to recognize the extent of the wrongful practices and fraud perpetrated by “lenders” and MERS upon borrowers, which conduct was engaged in for the sole purpose of greed and profit for the “lenders” and their ilk at the expense of borrowers.

Onward and upward!!!

Jeff Barnes, Esq.

www.ForeclosureDefenseNationwide.com

E-mail: info @ ForeclosureDefenseNationwide.com

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WHY “LOAN MODS” ARE NOT BEING ACCEPTED: BANKS MAKING MORE MONEY ON FORECLOSURES; “BALANCE SHEET ECONOMICS”

By Jeff Barnes, Esq.

September 11, 2009

While in California on a foreclosure defense case about 3 weeks ago, I read a front-page article in one of the daily newspapers alerting readers that the reason why “lenders” and “servicers” are not inclined to grant loan modifications is that they and their affiliates are making more money on foreclosures. The article detailed the “cottage industries” that have sprung up around foreclosures: foreclosure law Firms, appraisers and brokers doing “price opinions”, companies which arrange for trustee sales, secondary-market purchasers of the foreclosed properties, etc. The article also highlighted that by foreclosing, banks “make” more money by charging late fees, foreclosure fees and costs, and penalties.

The real reason why “loan mods” are thus being routinely rejected is pure and simple “balance sheet economics”. A bad loan is a liability on a lender’s balance sheet. A “modified loan” is just a lesser example of a loan which is already a liability, and a modified loan does not result in any money to the brokers, appraisers, trustee sale companies, or foreclosure mill law Firms.

By foreclosing and obtaining a money judgment (for the amount due on the note) and the property, the “bank” turns a non-performing liability into a two-tiered asset in the form of a receivable (the amount “due” from the borrower per the Judgment), and a tangible asset (the property) with its inflated value as the result of an inaccurate or outright false “broker price opinion” (BPO) which was prepared by the “bank’s” broker on nothing more than a “drive by” of the property (that being no interior inspection for defects, necessary repairs, wear and tear, etc.). In one case where we questioned the obviously inflated bank BPO (which was over 33% more than the most recent comparable sale for the same house in the same neighborhood), the “bank” refused to produce this phantom BPO or even disclose the date that it was prepared, taking the position that they “do not have to produce it”, and only agreeing to resolve the foreclosure if the borrower agreed to pay over 90% of this phantom BPO. The reasons for the bank’s “position” should be more than obvious to anyone.

As such and as the “foreclosure industry” appears to show no signs of slowing (CNN reported that over 365,000 foreclosure notices were filed nationwide in the month of July, 2009 alone), and as the “banks” and their “affiliate” lawyers, brokers, and trustee-sale companies continue to reap untold fortunes from foreclosures, don’t expect the foreclosure tsunami to subside any time soon. Sorry for the “doom and gloom”, but this is the real “reality show”, folks.

Jeff Barnes, Esq.

www.ForeclosureDefenseNationwide.com

E-mail: info @ ForeclosureDefenseNationwide.com

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FORGED “ORIGINAL” NOTES ARE POPPING UP LIKE MUSHROOMS AFTER A RAINSTORM

By Jeff Barnes, Esq.

September 10, 2009

We previously advised about a situation in a judicial foreclosure where the attorney for the foreclosing party offered what was represented by that attorney to be an “original promissory note” at a summary judgment hearing. When the Judge asked that it be shown to the borrower, the borrower pulled out her driver’s license (bearing her real signature) and advised the Court that the “signature” on the “original note” produced by the foreclosure mill attorney was not hers. Needless to say, the foreclosure attorney’s motion for summary judgment was denied.

We have recently been advised that, with the current photocopying technology which can make copies with “blue ink” signatures and red notary seals that more and more of these fraudulent “original notes” are being presented to the courts by foreclosure attorneys when the borrower raises the “produce the note” issue. We thus caution any borrower defending a foreclosure proceeding to CLOSELY examine any purported “original note” produced by the foreclosure attorney, as it may not be “original” at all, especially in situations where the foreclosure lawsuit alleges a “re-establishment of lost note” claim or states in the lawsuit that the original note has been “lost or destroyed”. Indeed, it is more than curious for an “original” note to pop up all of the sudden at a summary judgment hearing when the filed lawsuit claimed that it was “lost or stolen”.

Jeff Barnes, Esq.

www.ForeclosureDefenseNationwide.com

E-mail: info @ ForeclosureDefenseNationwide.com

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BEWARE THE “END-RUN” (SNEAK) FORECLOSURE

By Jeff Barnes, Esq.

September 10, 2009

FDN is experiencing a recent wave of inquiries requesting assistance with what we have decided to term the “end-run”, or “sneak”, foreclosure. This is a situation where a borrower who is being threatened with foreclosure is contacted, usually by the servicing entity, with a request as to whether the borrower would like to “modify the loan”. When the borrower responds and inquires about what will become of the impending foreclosure, paperwork is sent to the borrower and the borrower is told “don’t worry about the foreclosure; we are going to work with you.” Of course, the servicing entity does not put this in writing. The borrower, not being a lender or servicing agent, reasonably relies on this affirmative representation from the servicing entity, only to later find out (when the loan modification is denied) that their home has (a) either already been sold, or (b) is about to be sold without sufficient time for the borrower to mount a defense to the sale.

This practice is prevalent in the “non-judicial” (Trustee’s Sale) states, as there is generally no court proceeding pending when a trustee’s sale is scheduled by the company hired by the foreclosing party to set up and conduct the sale (examples of such companies being ReContrust [for Countrywide and now Bank of America], and Trustee’s Services Corp., Quality Loan Service Corp., and Northwest Trustees Services [for various entities]).

In the “judicial” states where there is a foreclosure lawsuit pending, the borrower has the opportunity to seek a stay of the existing lawsuit based on modification negotiations. Provided the borrower is actively defending the case or has an attorney doing so, the “end-run” should not occur, as a foreclosure can only take place in judicial foreclosure proceedings on formal motion with advance notice to all parties of record so that there is an opportunity to defend, with the proceeding being in control of a Judge.

In the non-judicial states, there is generally no Judge involved with a trustee’s sale; the sales are set up by companies (not the Court); and the sales take place without the necessity of a foreclosure lawsuit being filed (although post-sale “unlawful detainer” [eviction] actions are filed in the court). A variation on this is the procedure utilized in North Carolina, where a Trustee’s Sale is scheduled but a court case is initiated which schedules a hearing before the sale to provide the borrower with an opportunity to challenge the pending sale in court without the borrower having to file an independent lawsuit themselves (as borrowers generally have to do in non-judicial states in order to seek court assistance to challenge a foreclosure).

If the servicer tells a borrower, on initiation of any “loan modification” or “loss mitigation” request, “not to worry” about a foreclosure, the borrower should immediately confirm this in writing with confirmed delivery of the writing. NEVER assume anything; make a record of everything; and keep copies in a safe place as well. This could wind up being important evidence in any legal proceeding to either seek to stop or set aside an end-run or “sneak” foreclosure which was done essentially behind the borrower’s back and despite ongoing “modification negotiations” instituted by the servicing entity with the “not to worry” promise.

Jeff Barnes, Esq.

www.ForeclosureDefenseNationwide.com

E-mail: info @ ForeclosureDefenseNationwide.com

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FDN ADDS STATES OF VERMONT, NORTH CAROLINA, AND MISSOURI IN CONNECTION WITH REPRESENTATION OF BORROWERS

By Jeff Barnes, Esq.

August 27, 2009

Yesterday, we advised that FDN had added the states of Wisconsin, Oregon, and Illinois where Jeff Barnes, Esq. represents borrowers defending foreclosure proceedings. Today, three more states, those being Vermont, North Carolina, and Missouri were added as well in connection with pending foreclosure actions where Mr. Barnes will be representing borrowers challenging foreclosure.

Jeff Barnes, Esq.

www.ForeclosureDefenseNationwide.com

e-mail: info @ ForeclosureDefenseNationwide.com

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FLORIDA DEPARTMENT OF FINANCIAL REGULATION ENTERS EMERGENCY ORDERS SHUTTING DOWN TAYLOR BEAN & WHITAKER MORTGAGE GROUP: “SECOND” EMERGENCY ORDER RECITES TBW’S FAILURE TO COMPLY WITH PRIOR EMERGENCY ORDER; FAILURE TO FUND CLOSINGS; AND THAT TBW HAS “ALREADY CAUSED CONSIDERABLE HARM TO FLORIDA CONSUMERS“: ORDER ALSO REVOKES TBW’S MORTGAGE LICENSE AND ORDERS THAT ALL FORECLOSURE PROCEEDINGS CEASE

By Jeff Barnes, Esq.

August 27, 2009

By Emergency Orders to Cease and Desist dated August 7 and August 21, 2009, the Florida Department of Financial Regulation has ordered mortgage lender Taylor Bean & Whitaker to, among other things:

(a) immediately cease all business operations;

(b) immediately cease all foreclosure proceedings that it is conducting or contemplating; and

(c) not report any Florida consumers to a credit bureau for any payment due beginning August 1, 2009.

The August 7 Order recites that on August 4, 2009, the following actions were taken against TBW:

(1) The United States Department of Housing and Urban Development issued a release that the Federal Housing Administration (FHA) had suspended TBW from originating loans insured by FHA;

(2) the Government National Mortgage Association (“Ginnie Mae”) had defaulted and terminated TBW as an issuer in Ginnie Mae’s mortgage-backed security program;

(3) the Mortgage Review Board of HUD had suspended TBW’s originating and underwriting approval;

(4) Ginnie Mae had defaulted and terminated TBW’s authority to act as a Ginnie Mae issuer or servicer under any of its guaranty agreements; and

(5) the Federal Home Loan Mortgage Corporation (“Freddie Mac”) had terminated TBW’s eligibility to sell and service mortgage loans for Freddie Mac.

The August 7 Order also recites that there were approximately 60 TBW loans which had closed but which had not been funded, and that the state agencies of Massachusetts, New Jersey, and Pennsylvania had already entered adverse administrative orders acting against licenses held by TBW.

The August 21 Order immediately suspended TBW’s Mortgage Lending License in the State of Florida, finding that TBW violated Florida state statutes governing the funding of mortgage loans. The August 21 “Second” Emergency Order was issued as TBW had failed to comply with the provisions and mandates of the August 7, 2009 Order, which included providing certain specific financial information, and recited that after entry of the August 7 Order that TBW had “attempted to open new bank accounts at two different financial institutions”.

The August 7 Order further recited TBW had admitted to depositing operating funds and custodial funds (including borrower mortgage and escrow payments) into its single bank account and that it was paying its employees from this one account. The Order found that this intermingling of funds which TBW was using for its daily operations “represents a serious risk to Florida consumers”, especially considering that TBW was failing to fund loans already closed. Further administrative proceedings against TBW will be taking place.

The full text of both Emergency Orders will be posted on this website shortly.

Jeff Barnes, Esq.

www.ForeclosureDefenseNationwide.com

e-mail: info @ ForeclosureDefenseNationwide.com

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PLAYING WITH FIRE: NON-ATTORNEYS ATTEMPTING TO PRACTICE FORECLOSURE DEFENSE

By Jeff Barnes, Esq.

August 26, 2009

We are getting more and more e-mails from people who are essentially attempting to practice foreclosure defense law by “surfing the net” and copying pleadings, motions, case law, and arguments from other jurisdictions for use in their own cases. This is a dangerous endeavor which can (and usually does) result in the non-attorney litigant impairing their case, missing issues, and ultimately losing in court and thus losing their home. We are also getting an increasing number of e-mails from those who have tried to defend their own cases but quickly realize that they are in over their heads and are now pleading for help. This usually means more work for the attorney who has to come in after-the-fact and try to clean up or mitigate the damage done by the non-lawyer who tried to defend a foreclosure on their own.

As an example, we received an e-mail today from someone in one state who admitted that they simply took something which was posted on this website from another case and tried to use it in their case in another state, and seemed surprised that they lost in court. The person (a non-attorney) claimed that they “followed your procedure exactly”, but admitted that their papers were filed late. Of course, we do not know what “procedure” this non-attorney person was referring to other than a reference to a filing which we posted on this website from another case in another state.

Although all court filings posted on this website are public information, this does not equate to the use of such information by either an attorney or non-attorney in another case. The sample filings posted on this website were specifically prepared for a specific case in a specific jurisdiction under a specific set of facts and filed according to a specific timeframe. For a non-attorney to try to use such information in a totally unrelated case in another jurisdiction is foolhardy at best.

Foreclosure defense is a highly specialized, intricate, and complicated area of the law which is emerging and changing on many fronts. Each case is subject to the particular facts of the case; the number and scope of the legal issues involved; the forms of relief available in each state; when and how they are to be presented; and the rulings of whatever Judge is assigned to the case.

Foreclosure defense is, in essence, brain surgery. You would not want your plumber to perform cosmetic surgery on you. Non-attorneys (and attorneys who do not practice this type of law on a regular basis) should realize that “dabbling” in foreclosure defense by noodling around on the internet is a disaster just waiting to happen.

Jeff Barnes, Esq.

www.ForeclosureDefenseNationwide.com

e-mail: info @ ForeclosureDefenseNationwide.com

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FDN ADDS STATES OF WISCONSIN, OREGON, AND ILLINOIS TO SCOPE OF BORROWER REPRESENTATION; PRELIMINARY INJUNCTION GRANTED AGAINST FORECLOSURE IN CALIFORNIA

By Jeff Barnes, Esq.

August 26, 2009

As the number of inquiries and e-mails to FDN increase by the day, FDN has added the states of Wisconsin, Oregon, and Illinois to those where Jeff Barnes, Esq. presently represents borrowers defending foreclosures. Inquiries from additional states, including Vermont, North Carolina and Indiana, continue to pour in by the day. As of this date (August 24, 2009), Mr. Barnes represents borrowers with foreclosure proceedings pending in the states of Massachusetts, New Jersey, New York, Delaware, Maryland, Virginia, South Carolina, Georgia, Florida, Ohio, Wisconsin, Illinois, Iowa, Texas, Colorado, Montana, Oregon, Arizona, California, Alaska, and Hawaii.

Adding to the recent string of borrower victories, a California Superior Court has granted a Preliminary Injunction restraining IndyMac Bank, First Federal Bank of California FSB, NDEx West LLC, and OneWest Bank FSB from selling, transferring, encumbering, or conveying title to the borrower’s property or commencing any unlawful detainer action against the borrower pending the borrower’s lawsuit against IndyMac et al. The lawsuit was filed by Jeff Barnes, Esq. through local California counsel in response to a threatened foreclosure which is grounded on loan documents containing forged initials and signatures of the borrower on Option ARM documents which the borrower never signed. A similar fact pattern (borrower’s signature forged on loan documents) is being litigated by Mr. Barnes in the state of Montana as well.

Jeff Barnes, Esq.

www.ForeclosureDefenseNationwide.com

e-mail: info @ ForeclosureDefenseNationwide.com

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FORCLOSURE ATTORNEY ARROGANCE STOOPS TO NEW LOW: SLANDEROUS DISRESPECT OF THE LAW AND ATTEMPTS TO WRONGFULLY INFLUENCE THE JUDICIARY

By Jeff Barnes, Esq.

August 11, 2009

I just returned from two weeks of attending court hearings around the U.S. in numerous foreclosure defense cases in several states. The majority of the attorneys “on the other side” are professional and argue their positions in proper court manner. However, two instances occurred over the last 2 weeks which caused me pause, which foreclosure defense counsel and litigants should be made aware of as these instances could signal the ushering in of a new wave of arrogance and contempt brewing among attorneys representing servicing companies and “trustees” seeking foreclosure who become very angered and insouciant when a borrower attempts to assert their rights under the law.

The first incident, which occurred in Florida, was in connection with a motion to vacate a final summary judgment where the trustee of the securitized mortgage loan trust inconsistently claimed, in both its lawsuit and its summary judgment motion, that it both “owned and holds the note and mortgage” but simultaneously, in the same papers, claimed that “the note has been lost and is not in the possession or custody or control of the Plaintiff”. Notwithstanding that the law does not allow you to have it both ways, summary judgment was apparently entered as there was no opposition by the borrower. When I attempted to point this and other significant legal issues out to the Judge (after being retained to seek to vacate the summary judgment which had been entered approximately two months before I was retained), the attorney from the foreclosure mill representing the trustee of the securitized trust said “Sounds right out of a seminar…they just are delaying, Judge.” The Judge then stated to me “so it looks like your new client just wants to delay this, what, another 150 days?” Needless to say our Motion was denied.

When closely examined, the flippant remark from the foreclosure mill attorney smacks not only of contempt for the law, but also a wrongful attempt to influence a judge. Legal seminars are subject to scrutiny by the State Bar, and the instructors have to be licensed attorneys. The matters in the seminars constitute existing decisional and statutory law, including recent court decisions. Matters such as legal standing to institute a foreclosure and chain of title are laws which have been on the books for centuries. Federal laws such as the Truth-In-Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and the Fair Credit Reporting Act (FCRA) have been in place for decades. For an attorney to insinuate that because these laws may have been taught in a seminar somehow deletes their legal force and effect or should be disregarded is not only a misrepresentation of the law, but in the context that the insinuation was made (during the course of a court hearing), is a wrongful and illegal attempt to influence a judge.

The second incident was relayed to me in an e-mail from an attorney in New Jersey who came upon our recent victory in that state. He stated that when he presented argument to the judge to oppose a foreclosure, the judge stated to him: “I am not going to permit any ‘internet defenses’”. Again, simply because existing statutory or decisional (case) law is circulated on the internet in no way diminishes its importance or effect. In fact, it is largely because of the publication of laws on the internet that borrowers have been able to defend themselves against predatory lenders, servicers, and “trustees” against wrongful attempts to foreclose.

The Hon. Federal Judge Christopher Boyko expounded on the importance of the judiciary closely examining legal standing in foreclosure cases and the impropriety of permitting the law to take a back seat to “convenience”:

This Court possesses the independent obligations to preserve the judicial integrity of the federal court and to jealously guard federal jurisdiction. Neither the fluidity of the secondary mortgage market, nor monetary or economic considerations of the parties, nor the convenience of the litigants supersede these obligations. Unlike the focus of financial institutions, the federal courts must act as gatekeepers, assuring that only those who meet diversity requirements are allowed to pass through. Counsel for the institutions are not without legal argument to support their position, but their arguments fall woefully short of justifying their premature filings, and utterly fail to satisfy their standing and jurisdictional burdens. The institutions seem to adopt the attitude that they have been doing this for so long, unchallenged, this practice equates with legal compliance. Finally put to the test, their weak legal arguments compel the Court to stop them at the gate.

Numerous other judges around the US have recognized the improper and bullying tactics of foreclosure counsel, and at least one court has severely sanctioned not only the “institutions”, but their counsel as well (see article on this blog previously published, and later decision upholding sanctions against one institution and certain counsel as well).

Standing, whether in state or Federal court, is the key to open the door to the courthouse. Without it, there can be no foreclosure. It is up to those of us who challenge foreclosures to remind all concerned that this is the law, and that the arrogant attitude of foreclosure counsel who take the “how dare you defend this case” position is nothing more than an exhibition of their personal frustration of someone interrupting their “business as usual” factory-type foreclosure processing with (heaven forbid!) the actual law.

Jeff Barnes, Esq.

www.ForeclosureDefenseNationwide.com

e-mail: info @ ForeclosureDefenseNationwide.com

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FLORIDA JUDGE DENIES SERVICING COMPANY’S MOTION TO DISMISS BORROWER’S COUNTERCLAIMS FOR DECLARATORY AND INJUNCTIVE RELIEF: RULING PERMITS FLORIDA BORROWERS CHALLENGING FORECLOSING PARTY’S STANDING AND CHAIN OF TITLE TO NOTE AND MORTGAGE TO ASSERT COUNTERCLAIMS TO FORECLOSURE

By Jeff Barnes, Esq.

August 11, 2009

FDN attorney Jeff Barnes has scored another victory for borrowers, this time in Florida where a Circuit Judge denied Aurora Loan Servicing’s Motion to Dismiss the borrower’s Counterclaims for Declaratory and Injunctive Relief. The borrower has challenged Aurora’s standing to bring the foreclosure action, requesting a judicial declaration that Aurora has no rights in either the Note or the mortgage, and for an injunction precluding the foreclosure based on lack of standing. Aurora took the position that no such counterclaims could be asserted based on “negotiable instruments” law and disputing the facts in the counterclaims. The Judge denied Aurora’s Motion to Dismiss. The borrower’s counterclaims shall now proceed to trial absent any pretrial resolution of the case.

Significantly, Aurora has objected to the borrower’s discovery as to, among other things, documents evidencing Aurora’s standing and chain of title to the Note and mortgage and as to documents relating to securitization of the mortgage loan, claiming “trade secrets”. Securitized mortgage loan trust documents, which are required to be filed by the Securities Exchange Commission, are public documents, and thus Aurora’s “trade secrets” position is without merit and has apparently been interposed for the purpose of hindering the borrower’s quest for the truth as to his loan.

A hearing is being scheduled on Aurora’s objections to producing documents. For those who follow this website, you may recall that a Judge in New Jersey dismissed, on Motion of Jeff Barnes and his local counsel representing the borrower, a foreclosure upon Deutsche Bank’s repeated refusal to produce discovery documents despite multiple court orders to do so (which included, among other things, documents relating to Deutsche Bank’s standing and interest in the Note and mortgage).

Jeff Barnes, Esq.

www.ForeclosureDefenseNationwide.com

e-mail: info @ ForeclosureDefenseNationwide.com

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Support The Love For Life Campaign, Kindom & The Cristian Family

Supporting The Love For Life Website, The Cristian Family and The Living Dream Of Kindom (Creation Of Do No Harm Communities) - The Love for Life website is produced for free without a fee (no contract or conditions attached) as a gift of love for the benefit of others. If you feel you have gained something from visiting it, feel inspired, and would like to reciprocate as an equal exchange in substance and support (value), you are most welcome to make a gift of love to keep it and the dream of Kindom going. As always, we thank you for your gifts of love.

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The Cristian Family November 2006

We Stand For NO SYSTEM

Kindom (Do No Harm Communities) is the dream for freedom, but it is the dream for the freedom of those around us who also live the dream of freedom, because it is in living for the freedom of others that we get our freedom. When we live for the dreams of Kindom of those around us, we live life as a gift because we live for (dedicate our lives to) their dream of freedom, truth, peace, joy, abundance, etc, just as they live for our Kindom dreams too. This is true co-creation (cooperation) with no attack on the uniqueness of each of us. When we live this way, we have no need for any man-made system - everything/everyone has already been taken care of by our love for life.

Just as we do not have to jump 10 feet across the room to grab our next breath, neither do we have to worry about food, water and shelter because it has all been taken care of as we each co-create Kindoms/Kin-Domains for everyone. Now everybody and everything of the dream of life that is Kindom/Paradise is free (has been set free once again). The issue is greed and selfishness, power and control trips, arrogance, ignorance, being fed many many lies and being traumatised. The issue is not overpopulation - there is more than enough land available for every family to have a hectare (2.5 acres Kin-Domain) to care for. The land of Australia can provide a Kin-Domain for every family across Earth, each with a food forest, clean fresh drinking water and plenty of space for building natural do no harm habitats and with plenty of land left over.

Everyone must have the freedom to take full-responsibility for their lives, for the water they drink, the food they eat and for their shelter. Currently, "The System" forces everyone to give up taking full-responsibility so that we become grown up children accustomed to sucking on the nipples of "The System" corporations for everything, having to use money to get by and to follow the rules of money because we are not co-creating freedom, peace, truth, joy and abundance for each other. Money only leads to haves and have nots and all the abuse, manipulation and distractions that we are subjected to as slaves to money.

When we give up living for other's Kindom dreams, we start creating hell ("The System") all around us because we become self-centred - now it's all about "my freedom","my money", "my land", "my belief", "my saviour", "mine", "mine","mine", "i","i", "i", "own", "own", "own", etc. To protect what we claim we own requires a man-made system with FORCE to protect those self-centred claims. This is ALL trauma based and all story-telling (brainwashing/braindirtying).

NO SYSTEM = KINDOM/DO NO HARM COMMUNITIES
NO SYSTEM = KINDOM/DO NO HARM COMMUNITIES photo Kindom_zpsa6d24e8a.jpg

Our true freedom comes when we set our thoughts of freedom into motion so that we live freedom rather than just talking and thinking about it while we still slave for "The System". Kindom will not happen while we meditate for hours in the bush or do yoga retreats or wait for Jesus or follow the processes of the OPPT (One People's Public Trust now called One People). This is not freedom because we are not living freedom because we are living the story-telling of Jesus or Zeitgeist or The Secret or Thrive or One Earth/Consciousness/People.

Living Kindom is very, very hard work as we set about repairing the damage to MAN/Earth/Nature that we are ALL responsible for but the burden becomes lighter the more of us put our life-energy into the dream of returning Earth to Paradise. Day-after-day, we all have to work our arses off until Kindom is all around us (MAN) once again. This is the price we pay to set each other free on a piece of land (Kin-Domain), so that no one is under the image-power (education/brainwashing/story-telling) of another MAN anymore and so that everyone can have their space of love to create and live their unique, do no harm dreams. This only happens once we have the Kindoms set up so that everyone is provided for.

Once we re-create the food forests, whether on land or in the suburbs, we can re-claim our freedom, breaking the strangle-hold of "The System" because we are no longer reliant on its services and benefits and no longer turning each other into slaves of "The System", cogs in the wheels of "The System" machine. If we don't put the effort in to set everyone and everything free all around us then we still live in HELL ("The System"). The key is to live for everyone else's freedom so that we can have it too.

From Bare Dirt To Abundance
A Year In The Life Of The
Love For Life Food Forest

Arthur & Fiona Cristian
8th February 2013
51 Minutes 46 Seconds
http://www.youtube.com/watch?v=1sJCcCvZ97A

From Bare Dirt To Abundance Part Two A
5th November 2014
http://youtu.be/TPTPn8tgcPI
http://loveforlife.com.au/node/8545

From Bare Dirt To Abundance Part Two B
Coming Shortly

We live for NO SYSTEM. We do not lose anything by not having a man-made system and, in fact, we gain. We gain our freedom and we gain abundance. Let go of the fear.

The Cristian Family November 2006

A Collection Of Various Love For Life Posts
Providing The Big Picture We See

Sequential Order

We ask you to NOT believe anything we say/share and instead use scrutiny like an intense blow torch and go where the logic of truth/sense takes you. This is very, very important. Put everything you believe up to the test of scrutiny to see how it stacks up. If you are true to your heart/senses and go where the logic of truth/sense takes you will find that NO belief, etc, will stand up to the test of scrutiny. They just do not stack up because they are lies/fraud.

After you have watched and read all the material and any questions are left unanswered, send us your landline number and we will use the internet phone as a free unlimited call. We are on Sydney NSW Australia time. Best times for us to chat are between 11.00am and 6.00pm.

It is critical that you fully comprehend Image Power, "Spelling", Trauma, Reaction To Trauma, Curses, Processing Curses, Full-Responsibility/Liability, Limited Liability/Responsibility (passing-the-back), Slavery, Senses/Sense vs Non-Sense/Senses, Re-Presenting Intellectual Property such as but not limited to "Name", Storytelling/Storytellers, Duality, Black-Magic, Belief, Lies, "i", All Seeing "i" (eye), etc..... These themes and others are covered over and over and over again.

If you do not comprehend these insights and are unable to use your senses to sense your way through all the non-sense/non-sensory-images that enslave MAN under their image power (darkness = "The System" = Hell), men and women will remain deeply trapped under a terrible state of trauma. Our intention is to inspire you to remedy by showing you how to move away from reacting to trauma in all its nefarious and devious forms.

His-Story/Her-Story (History)
Arthur Cristian - Love For Life
2005-2007 - Re-posted July 2014
http://loveforlife.com.au/node/8529

The Dream Of Life Part 6
Under The Spell Of Intellectual Property

Arthur Cristian - 51 Minutes 52 Seconds
http://www.youtube.com/watch?v=IMK7CkU1ih8

Introduction To Kindom Video
By Arthur & Fiona Cristian - Love For Life
6th March 2015
https://youtu.be/7SspPm9wRgo

Dancing With Magic (Lies)
Arthur & Fiona Cristian
Videos, Articles, Comments
And Pending E-Book
Love Fort Life
September 2015
http://loveforlife.com.au/node/8575

Dancing With Magic Part One
Arthur & Fiona Cristian - Love For Life
5th September 2015
https://youtu.be/hx7qJ7r2OS4

Dancing With Magic Part Two
Arthur Cristian - Love For Life
12th September 2015
https://youtu.be/b_KuEFdKmnA

Dancing With Magic Part Three
Arthur & Fiona Cristian - Love For Life
13th September 2015
https://youtu.be/9pJc1NfnAcI

Dancing With Magic (Lies) Part Four:
Arthur & Fiona Cristian - Love For Life
16th September 2015
https://youtu.be/kSVURGwm1Go

The Dark Side Of The Moon
The Background To "The System"

Arthur & Fiona Cristian Interviewed By
Jahnick Leaunier, The Tru-Mon Show
24th August 2016
Love For Life - 142 Minutes
https://youtu.be/C5TViw1NLr4

Illumination IS Definition
Arthur & Fiona Cristian
Love For Life
26th to 29th January 2016
http://loveforlife.com.au/node/8577

The "Name" Is The Mark Of The Beast
The Strawman Identifying
Your Slave Status In "The System"

By Arthur Cristian - Love For Life
5th February 2012 - 56 Minutes 25 Seconds
http://www.youtube.com/watch?v=DdOag66v7uo

IMAGE POWER
The Nefarious Tactics Used
To Disguise Truth And Distract Us
From Remedy

Arthur & Fiona Cristian
Love For Life
24th January 2014
This post contains many recent Facebook comments
and email replies which collectively provides a big picture
into exposing the deception behind IMAGE POWER.
http://loveforlife.com.au/node/8496

The Pull Of E-Motion
Arthur & Fiona Cristian
Love For Life
8th February 2014
http://loveforlife.com.au/node/8499

IMAGE POWER
Superb Diamond Range Interviewing
Arthur & Fiona Cristian 4th February 2014
http://youtu.be/qFnuuw3kLog
http://loveforlife.com.au/node/8501

Trauma Induced Fantasy
July 2013 Interview With
Jeanice Barcelo And Arthur & Fiona Cristian
http://youtu.be/CZVj-ddUoZw
http://loveforlife.com.au/node/8500

Processing Curses
A Lie Is A Curse
Liars Process Curses

Arthur & Fiona Cristian
Love For Life
26th February 2014
http://loveforlife.com.au/node/8503

How The System Is Really Constructed
Bouncing Back Curses Upon Curse Makers
To Stop Harm Forevermore

Arthur & Fiona Cristian
Love For Life
27th February 2014
http://loveforlife.com.au/node/8504

Slave To A Name
Parts One, Two, Three, Four,
Arthur & Fiona Cristian
Love For Life
3rd to 6th March 2014
http://loveforlife.com.au/node/8505

Educated Slaves
Arthur & Fiona Cristian
Love For Life
20th March 2014
http://loveforlife.com.au/node/8506

The Only Path To Freedom
Beware The False Steps

Arthur & Fiona Cristian
Love For Life - 2nd April 2014
http://loveforlife.com.au/node/8508

Free-Dumb For All
Arthur & Fiona Cristian
Love For Life - 5th April 2014
http://loveforlife.com.au/node/8510

Revoking The Ego
Arthur & Fiona Cristian
Love For Life - 8th April 2014
http://loveforlife.com.au/node/8511

How MAN Commits Spiritual Suicide
Arthur Cristian
Love For Life - 3rd April 2014
http://loveforlife.com.au/node/8509

How To Detect Intel Operatives Working
For The New World Order Agenda
Arthur & Fiona Cristian
Love For Life - 10th April 2014
http://loveforlife.com.au/node/8512

How The Psyop Program & Intel Networks
Are Messing With Your Head +
His-Story/Her-Story

Arthur & Fiona Cristian - April 2014
http://loveforlife.com.au/node/8513

Godzilla Through The Looking Glass
Destroyed By Name"

Arthur & Fiona Cristian
Love For Life - 20th April 2014
http://loveforlife.com.au/node/8514

What It's Going To Take
To Co-Create Freedom Forevermore

Arthur & Fiona Cristian
Love For Life - 22nd April 2014
http://loveforlife.com.au/node/8514

Falling For Fairy Stories
Arthur & Fiona Cristian
Love For Life - 24th April 2014
http://loveforlife.com.au/node/8514

A Disassociation From The Work
Of Kate of Gaia

Arthur & Fiona Cristian
Love For Life - 17th May 2014
http://loveforlife.com.au/node/8517

Separating The Wheat From The Chaff
Arthur & Fiona Cristian
Love For Life - 22nd May 2014
http://loveforlife.com.au/node/8516

Revolution Or Revolution
Arthur & Fiona Cristian
Love For Life - 25th May 2014
http://loveforlife.com.au/node/8520

Routing Out Psyop Programs
Routs Out Intel Operatives
Exposing Max Igan's Psyop Program

Arthur & Fiona Cristian
Love For Life - 31st May 2014
http://loveforlife.com.au/node/8524

The Psyop Program Scam
Behind Religion Belief Faith
& Associated Opinion

Arthur Cristian
Love For Life
11th June 2014
http://loveforlife.com.au/node/8525

Another Delusion
Arthur Cristian
Love For Life
11th June 2014
http://loveforlife.com.au/node/8526

A World Of Words Is A World Of Lies
Arthur Cristian
Love For Life
13th June 2014
http://loveforlife.com.au/node/8527

E-MAN
The Name Of The Beast Is MAN

Arthur & Fiona Cristian
Love For Life - 9th May 2014
Includes Mountain MAN Arrested
Facebook Discussion About "Name"
Uploaded 25th June 2014
http://loveforlife.com.au/node/8528

E-Motion
Arthur & Fiona Cristian
Love For Life - 13th August 2014
http://loveforlife.com.au/node/8537

Discussion With Brother Gregory
Clearly Demonstrating Christianity
Is Part Of The Problem
And Not The Solution

Arthur & Fiona Cristian
Love For Life
Between the 12th May 2014 and 30th August 2014
http://loveforlife.com.au/node/8542

The Psyop Program Behind Free Food
And Permaculture

Arthur & Fiona Cristian
Love For Life
29th October 2014
Facebook Discussion With Unconditional Love Moon
http://loveforlife.com.au/node/8544

Head So Strong
Music and Vocals Arthur Cristian
Backing Vocals and Vocal Effects Arthur Cristian & Hannah Wood
Lyrics Fiona and Arthur Cristian
Written during our spare time between Aug & Oct 2014
https://www.youtube.com/watch?v=OG4UQCTsqwU

The Time Of Trauma That Destroys Us
Arthur Cristian - Love For Life
9th November 2014
http://loveforlife.com.au/node/8547

The Most Powerful Video On Spirituality
And Happiness FOR SLAVES
Or
How To Accept Slavery And Be Happy About It

Arthur Cristian - Love For Life
6th August 2014
Facebook Discussion About The Work Of Eckhart Tolle
http://loveforlife.com.au/node/8548

What Can We Do What Can We See
Arthur Cristian - Love For Life
A series of Arthur Cristian Facebook
posts and discussions
between 17th and 21st November 2014
http://loveforlife.com.au/node/8552

The Misuse Of Love By Intel Networks
To Create Doubt And Uncertainty
With The Intention To Destroy Love
And Therefore Destroy MAN
(True Freedom, Peace, Joy, Abundance And Truth
For Everyone)

By Arthur Cristian - Love For Life
26th November 2014
http://loveforlife.com.au/node/8554

The Void Of E-GO That Is Spiritual Suicide
The Justification Of Laziness
That Perpetuates System Creature Comforts
Ensuring Our Fall

Arthur & Fiona Cristian
Love For Life
13th December 2014
Massive Update Occurred 14th Dec 2014 3.10pm Sydney Aust time
http://loveforlife.com.au/node/8556

Darkness Visible Part One A, B, C, D
The Freemasonic World In Plain Sight
Decoding George Washington Lithographs

Arthur & Fiona Cristian
Love For Life
14th December 2014
Part One A http://loveforlife.com.au/node/8557
Part One B http://loveforlife.com.au/node/8567
Part One C http://loveforlife.com.au/node/8568
Part One D http://loveforlife.com.au/node/8569

Darkness Visible Part Two
Yin And Yang, Duality, Spiritual Suicide
And Frank O'Collins UCADIA / One Heaven

Arthur & Fiona Cristian
Love For Life
14th December 2014
http://loveforlife.com.au/node/8558

Darkness Visible Part Three
How The Word Sausage
Re-Presents The New World Order
Boiling Point & Out To Get Us

Arthur & Fiona Cristian
Love For Life
27th December 2014
http://loveforlife.com.au/node/8560

Darkness Visible Part Four
Aleister Crowley - Thelema - OTO
And The Black Magic Psychedelia Of The Intellect

Facebook Discussion
4th to 10th January 2015
http://loveforlife.com.au/node/8561

Darkness Visible Part Five
Living MAN Fiona Cristian's Standing
+ Decoding Judeo/Judaism

Fiona Cristian & Arthur Cristian
Love For Life
24th January 2015
http://loveforlife.com.au/node/8562

Darkness Visible Part Six
The Many Fingers Of The Hidden Hand Appearing
YouTube Community Flagged A Video
Posted To The ArthurLoveForLife YouTube Channel
As Being "Hate Speech"

Fiona Cristian & Arthur Cristian
Love For Life
4th February 2015
http://loveforlife.com.au/node/8563

Darkness Visible Part Seven
The Full Responsibility For Setting
True Freedom For All Into Motion
In Present-Sense Forevermore

Fiona Cristian & Arthur Cristian
Love For Life
10th February 2015
http://loveforlife.com.au/node/8564

Who We Really Are Does Not End
At The Surface Of Our Skin

Arthur Cristian & Fiona Cristian
Love For Life - 22nd February 2015
http://loveforlife.com.au/node/8565

Introduction To Kindom Video
By Arthur & Fiona Cristian - Love For Life
6th March 2015
https://youtu.be/7SspPm9wRgo

The Rot Parts One, Two, Three
Arthur Cristian
Love For Life
5th June 2015
http://loveforlife.com.au/node/8571

"The Good Guys" And The "Bad Guys"
Working Together To Bring In
The New World Order

Arthur Cristian - 18th July 2015
http://loveforlife.com.au/node/8572

Can You Spot The Ego?
Where's Wally? Part One

Compilation of Facebook & Youtube
Insight Posts During Aug/Sept 2015
By Arthur Cristian
http://loveforlife.com.au/node/8573

Can You Spot The Ego?
Where's Wally? Part Two

Compilation of Facebook & Youtube
Insight Posts During Aug/Sept 2015
By Arthur Cristian
http://loveforlife.com.au/node/8576

Dancing With Magic (Lies)
Arthur & Fiona Cristian
Videos, Articles, Comments
And Pending E-Book
Love Fort Life
September 2015
http://loveforlife.com.au/node/8575

Dancing With Magic Part One
Arthur & Fiona Cristian - Love For Life
5th September 2015
https://youtu.be/hx7qJ7r2OS4

Dancing With Magic Part Two
Arthur Cristian - Love For Life
12th September 2015
https://youtu.be/b_KuEFdKmnA

Dancing With Magic Part Three
Arthur & Fiona Cristian - Love For Life
13th September 2015
https://youtu.be/9pJc1NfnAcI

Dancing With Magic (Lies) Part Four:
Arthur & Fiona Cristian - Love For Life
16th September 2015
https://youtu.be/kSVURGwm1Go

Illumination IS Definition
Arthur & Fiona Cristian
Love For Life
26th to 29th January 2016
http://loveforlife.com.au/node/8577

The Satanic Craft Of Inculcation In Practice
Fiona's ACT Supreme Court Affidavit Explaining Inculcation & Illumination
Arthur & Fiona Cristian
Love For Life
4th March 2016
http://loveforlife.com.au/node/8578

The Dark Side Of The Moon
The Background To "The System" Part One

Arthur & Fiona Cristian Chatting With
Jahnick Leaunier On The Tru-Mon Show
Love For Life - 24th August 2016
http://loveforlife.com.au/node/8583

Eric Dubay's Flat Earth Is A Cult
The Background To The System Part Two

Arthur & Fiona Cristian Chatting With
Jahnick Leaunier On The Tru-Mon Show
Love For Life - 31st August 2016
http://loveforlife.com.au/node/8585

To Be Educated Is To Have No Soul
The System Is Soul Destroying
Frederick Malouf & Michael Tellinger's
Contrived Gifting

Arthur & Fiona Cristian
Love For Life
1st September 2016
http://loveforlife.com.au/node/8586

New Love For Life Kindom Facebook Group
Started March 2015
https://www.facebook.com/groups/1434747556816918
Includes 63 Minute
Introduction To Kindom Video
https://youtu.be/7SspPm9wRgo
By Arthur & Fiona Cristian
and
Facebook Kindom Group Guidelines
http://loveforlife.com.au/node/8566
The Love For Life website home-page provides
the bigger-picture background to the themes
touched on in this video: http://loveforlife.com.au

Crop Circles Are A Massive Hoax
Facebook Discussion On Simon Kawai's Wall
Involving Arthur & Fiona Cristian
31st August 2013
http://loveforlife.com.au/node/8470

OPPT & Slavery Through Intellectual Conscription By Deceit
Arthur & Fiona Cristian - Love For Life
27th February 2013 onwards...
Part One: http://youtu.be/Qjp_9nlrBao
Part Two: http://youtu.be/tbybeOWZ-Bc
Part Three: http://youtu.be/yOWoxH-HbVw

Water Is The Life Of MANS Consciousness (Breath)
Arthur & Fiona Cristian - Love For Life - 8th February 2013
http://loveforlife.com.au/node/8350
Part One: http://youtu.be/4ze66_33wxM - 70 Minutes 5 Seconds
Part Two: http://youtu.be/43gIi-sjxJc - 81 Minutes 13 Seconds
Part Three: http://youtu.be/oooY6W63K-M - 70 Minutes 18 Seconds

What Do You Believe On Origins?
Who Said There Was A Beginning?
Who's Truth Do You Accept?
Belief Is A Strange Idea.

Discussion Lyndell, Scott and Arthur & Fiona Cristian
Between March and April 2013
Posted 29th October 2013
http://loveforlife.com.au/node/8487

So You Want The Good Bits Of "The System"
But Not The Bad Bits?

By Arthur & Fiona Cristian
Love For Life - 12th August 2013
http://loveforlife.com.au/node/8468

Turning Away From The Reflection
Of MANS Looking Glass

Arthur & Fiona Cristian
Love For Life
30th April 2013
http://loveforlife.com.au/node/8404

REMEDY

From Bare Dirt To Abundance
A Year In The Life Of The
Love For Life Food Forest

Arthur & Fiona Cristian
8th February 2013
51 Minutes 46 Seconds
http://www.youtube.com/watch?v=1sJCcCvZ97A

From Bare Dirt To Abundance Part Two
5th November 2014
http://youtu.be/TPTPn8tgcPI
http://loveforlife.com.au/node/8545

From Bare Dirt To Abundance Part Three
7th March 2016
60 Minutes
https://youtu.be/SH9i8ZStzWI

Love For Life Food Forest & Native Garden March 2016
Extension Of The Love For Life Food Forest And Establishment
Of A New Native Garden At The Front Of The Rental Property
In East Bowral - 24th October 2015 to Mid February 2016.
15 Minutes
https://youtu.be/y-Uz8HmnSIM

Control The Land
And You Control MAN On The Land
Displace MAN From Land
And You Turn MAN Into Slaves

Arthur & Fiona Cristian - Love For Life
April 2011 (Updated 14th September 2011)
http://loveforlife.com.au/node/8237

The Divine Spark
Facebook Discussion With Raymond Karczewski
Arthur & Fiona Cristian & Others
2nd October 2013
http://loveforlife.com.au/node/8483

Capturing Another MANS Uniqueness
A Facebook Debate With
Arthur & Fiona Cristian - Love For Life
And Raymond Karczewski
Starting 13th May 2013
http://loveforlife.com.au/node/8414

The Spell Is Broken
Taking The Land To Create Kindom

Arthur & Fiona Cristian
Love For Life
3rd March 2013
http://loveforlife.com.au/node/8365

The Steps Of Kindom
Arthur & Fiona Cristian
Love For Life 2006/2007
http://loveforlife.com.au/node/8304

To explore these themes in greater detail go here where you can find links to all our Love For Life comments, articles, debates, discussions, videos, podcasts, etc: http://loveforlife.com.au/node/3385

All the best
Arthur & Fiona Cristian
Love For Life

Website: http://loveforlife.com.au
Email : action@loveforlife.com.au
Mobile : 0011 61 418 203204 - (0418 203204)
Snail Mail: PO Box 1320 Bowral 2576 NSW Australia
Facebook Arthur Cristian : http://www.facebook.com/arthurcristian
YouTube Arthur Cristian : http://www.youtube.com/ArthurLoveForLife

Register To The Love For Life Mailing List: http://loveforlife.com.au/content/09/05/14/mailing-list

Facebook Group Why Aren't We Free Discussion : http://www.facebook.com/164918753537287
Facebook Group Kindom/Do No Harm Community Discussion : http://www.facebook.com/151811728195925

Links below will kick in when the professionally recorded Love For Life music is released.

SoundCloud : http://soundcloud.com/loveforlife
Nimbit Music : http://www.nimbitmusic.com/loveforlife
Twitter : https://twitter.com/loveforlifemusi
Facebook Music : http://www.facebook.com/loveforlifemusic
YouTube Love For Life Music : http://www.myspace.com/loveforlifemusic
MySpace : http://www.myspace.com/loveforlifemusic
Google + Fiona Cristian : https://plus.google.com/100490175160871610090

Peaceful Transition Through Sacrifice And Service

We feel there is an essential peaceful do no harm transition required to get all of MAN back to standing on MANS feet without reliance upon another MAN for water, food, shelter. As it stands everyone in "The System" are highly dependent and reliant on the "group mind-set" that forms "The System" of slaves providing services and benefits for the emotionally addicted slaves to "The System" (and you can put us in the same basket too). The transition is to get MAN back to relying ONLY on nature without 3rd party interlopers, intermeddlers, interceders getting in the way. The transition is a team effort with the foresight for setting all of MAN free down-the-line so that MAN is no longer dependent on slaves and masters providing services, benefits, privileges and exclusivity while being bound to contracts, rituals, procedures, conditions, rules & regulations which compromises MAN severely.

This transition is all about shifting from limited liability/responsibility to full liability/responsibility. This full responsibility is all about caring for our health, nature all around us, clean uncorrupted (pure) water and food, partner/co-creator, children, shelter, animal-friends in partnership, etc. In "The System", we are already together destroying each other - we have to come together to create peace together so that we can all have peace. We cannot live peacefully when we are islands, not taking full responsibility for the lives of those around us until EVERYONE can take full responsibility for their life, which means that EVERYONE is healed of system trauma. In "The System", we all come together to make slaves of each other - now is the moment to come together to set each other free, to live for each other's freedom, peace, joy and abundance. Once we have set each other free, we are free.

Control The Land
And You Control MAN On The Land
Displace MAN From Land
And You Turn MAN Into Slaves

Arthur & Fiona Cristian - Love For Life
April 2011 (Updated 14th September 2011)
http://loveforlife.com.au/node/8237

The Spell Is Broken
Taking The Land To Create Kindom

Arthur & Fiona Cristian
Love For Life
3rd March 2013
http://loveforlife.com.au/node/8365

"The Steps Of Kindom"
http://loveforlife.com.au/node/8304

---------

Once we fix these issues, we or our children or our descendants to come, can start focusing on the even bigger picture of getting back to where our ancestors were, as breatharyan's, before they fell into non-sense images to be enslaved by them.

All the best to you and your family
Arthur & Fiona Cristian
Love For Life

The Cristian Family November 2006

The Cristian Family Declaration

The Cristian family and The Love for Life Campaign are apolitical, non-religious, non-violent, anti weapons, anti drugs (both pharmaceutical and recreational) and anti any ideology that denies the existence of Do No Harm Communities (Kindoms) and suppresses the uniqueness and freedom of all men, women and children.

The Cristian family and our Love For Life work is unaligned to any big business corporation, intelligence agency, government body, "system" law, "system" think tanks, "system" green or environmental movements, religion, cult, sect, society (fraternity, brotherhood, sisterhood, order, club, etc,) secret or not, hidden agenda, law or sovereignty group, occult, esoteric, New Age or Old Age.

The Cristian family supports and promotes the remedy that brings an everlasting peace, freedom, truth, joy, abundance and do no harm for all of life without causing loss of uniqueness or the need for having slaves and rulers. We are not into following the one in front or being shepherds for sheeple. Most importantly, we take full-responsibility for everything we think, feel and do.

The Cristian family are not Christians.

Arthur & Fiona Cristian
Love For Life

December 2006

The Cristian Family November 2006

THE CRISTIAN FAMILY PLEDGE

Being of clear brain, heart and intention, we each declare the following to be true:

• We have no intention of ending our own lives.

• We will not tolerate suppression of truth, ideas, freedom, or our work. We stand for freedom of speech.

• We stand together to support others in the expression of truths and freedom to speak out no matter how radical those ideas may seem.

• Standing for freedom takes courage; together we shall be strong in the face of all odds.

• If it is ever claimed that we have committed suicide, encountered an unfortunate accident, died of sickness/disease, disappeared, been institutionalized, or sold out financially or in any other way to self-interested factions, we declare those claims false and fabricated.

• We testify, assert and affirm without reservation, on behalf of all those who have dedicated their lives to the ending of secrecy and the promotion of freedom of thought, ideas and expression that we shall prevail.

• We Do Not Have Multiple Personality Disorders

Arthur Cristian
Fiona Cristian
Jasmin Lily Cristian
Emma Rose Cristian
Frances Hannah Cristian
Xanthe Jane Cristian

15th December 2006 (Edited/Updated 18th September 2011)

The Cristian Family November 2006

Update Regarding The Love For Life
Home Page And Quick User Guide

We are turning the Love for Life Quick User Guide http://loveforlife.com.au/node/6608 into a blog of all the main insights of our work since March 2005, whether through articles, videos, podcasts or discussions/debates.

As we do not have the time to compile everything we have written into a book, as many have suggested we do, compiling all our most important work into one area of the website is a way of providing easy access to this work so those interested are able to fully comprehend the big picture.

Instead of having to find our different articles, videos, etc, in various parts of the website, it will all be accessible here: http://loveforlife.com.au/node/6608 and here: http://loveforlife.com.au/node/3385.

Love For Life Videos

As amateurs and posted in the Quick User Guide below the Facebook links, we're currently creating and posting a series of videos called "The Dream Of Life" which covers the ground of all the Love For Life insights. We plan to have the videos completed by December 31st 2012. Once this is behind us, our intention is to create a 2 hour or so video covering the body of this work. All videos are embedded in the quick user guide http://loveforlife.com.au/node/6608 and uploaded in Arthur's YouTube channel: http://www.youtube.com/user/ArthurLoveForLife.

Love For Life Music

We have started recording songs, with others, that express the themes of Love For Life. They are now being posted on Arthur's YouTube channel: http://www.youtube.com/user/ArthurLoveForLife and are embedded in the quick user guide http://loveforlife.com.au/node/6608. We have over 100 songs to record. A few rough demos have already been used as the soundtrack on the first "Dream of Life" video.

About Us - Love For Life & The Cristian Family

Also, everything we, the Cristian family, have gone through, from bank fraud and the theft of the family home to death threats and attempts on Arthur's life, is documented in the Quick User Guide too. If you, the reader, are prepared to put the effort in, you will comprehend the extent to which we have all been tricked into becoming slaves, giving up our uniqueness and our full-responsibility for life and destroying everything of life to the point where life is in danger of dying out completely. You will also comprehend the remedy to all this chaos; a remedy that requires only love for life and the determination to do what needs to be done. Though our focus is very strongly on the remedy that creates a world of freedom, truth, peace, joy, abundance and Do No Harm for all of life without loss of uniqueness or the need for slaves and rulers, we realise that it is vital to comprehend how to get there and what stops us from getting there. This is why there is so much information on the hows and whys of everything going wrong in the world today. We are not into peddling conspiracy theories, we are into routing out all forms of organised crime.

Saturday 26th November 2011

Arthur and Fiona Cristian
Love For Life

Website: http://loveforlife.com.au
Email: action@loveforlife.com.au
Mobile: 0011 61 418 203204 - (0418 203204)
Facebook Arthur Cristian: http://www.facebook.com/arthurcristian
YouTube Arthur Cristian: http://www.youtube.com/ArthurLoveForLife
SoundCloud: http://soundcloud.com/loveforlife
Nimbit Music: http://www.nimbitmusic.com/loveforlife
Twitter: https://twitter.com/loveforlifemusi
Facebook Music: http://www.facebook.com/loveforlifemusic
Facebook Why Aren't We Free Discussion: http://www.facebook.com/164918753537287
Facebook Do No Harm Community: http://www.facebook.com/151811728195925
YouTube Love For Life Music: http://www.myspace.com/loveforlifemusic
MySpace: http://www.myspace.com/loveforlifemusic
Google + Fiona Cristian: https://plus.google.com/100490175160871610090
Register To The Love For Life Mailing List: http://loveforlife.com.au/content/09/05/14/mailing-list

1. For The Body Of The Love For Life Work by Arthur and Fiona Cristian

Which Unravels The Reasons For The Chaos, Mayhem and Confusion Being Experienced In The World Today, Explains The Need For "Community Immunity" and Responsibility, and Focuses On The Creation Of Kindoms - Do No Harm, Life-Sustainable Communities (As The Remedy That Heals All Mans Woes) - And How We Can Co-Create Them. For Comments, Articles And Discussions, Go Here: http://loveforlife.com.au/node/3385 - Also Go Here To See Podcasts And Videos Posted by Arthur & Fiona Cristian: http://loveforlife.com.au/node/7309 - The Information Shared Comes From Inspiration, Intuition, Heartfelt-Logic And Information Gathered From Nature And Many Amazing Men And Women Along The Way. It Is Not Found In Any Books Or Channellings, Or Talked About By "Experts". Go Here To Read A Brief Synopsis Of Why We Started Love For Life: http://loveforlife.com.au/node/8182

2. For Information About The Ringing Cedars of Russia Series

go here: http://loveforlife.com.au/node/1125 and for more on Eco Homes, Villages, Organic and Permaculture Gardening and Life-Sustainability, etc, go here: http://loveforlife.com.au/node/3641 and here: http://loveforlife.com.au/node/1985 and Mikhail Petrovich Shchetinin - Kin's School - Lycee School at Tekos: http://loveforlife.com.au/node/5173

3. For How To Eat A Raw, Living Food Diet,

go here: http://loveforlife.com.au/node/5068 - LIFE is information. When we distort LIFE and then eat, drink, absorb, think, feel, hear, see, touch, taste, smell and perform these distortions, the information of LIFE, your LIFE, our LIFE, our children's lives, everyone's LIFE, is distorted.

4. To Find A Menu For The Extensive Research Library (over 8,000 items posted embodying over 11,000 documents, pdf's, videos, podcasts, etc)

Which Covers Topics From Health to Chemtrails/Haarp to Brain Control to Archaeology to Astronomy Geocentricity Heliocentricity to Pandemics Bird Flu Swine Flu to Fluoride to Cancer to Free Energy to Global Warming, 9/11, Bali Bombings, Aspartame, MSG, Vaccinations, Aids/HIV, Mercury, New World Order, Satanism, Religions, Cults, Sects, Symbolism, etc, etc, go here: http://loveforlife.com.au/node/82

5. If You Would Like To Read About The Cristian Family NSW Supreme Court Case

(Macquarie Bank/Perpetual Limited Bank Fraud Condoned By Judges, Registrars, Barristers, Lawyers, Politicians, Public Servants, Bureaucrats, Big Business and Media Representatives - A Crime Syndicate/Terrorist Organisation) Which Prompted The Creation Of This Love For Life Website December 2006, And The Shooting And Torture Of Supporters Who Assisted Us In Reclaiming The Family Home, Joe Bryant And His Wife, Both In Their Late 70's, go here: http://loveforlife.com.au/node/5 And Read Some Of Our Email Correspondence With Lawyer Paul Kean - Macedone Christie Willis Solari Partners - Miranda Sydney May 17th-June 27th 2006: http://loveforlife.com.au/node/7300

6. For The Stories Of Other Victims Of The System,

go here: http://loveforlife.com.au/australian_stories (If you have a story you would like us to put up, we would love to here from you:
action @ loveforlife.com.au)

7. For Documentation Of Harm Done By The Powers-That-Be And Their Representatives,

Evidence Revealing How Victims Did Not Break The Peace, Caused No Crime or Harm, There Were No Injured Parties. Documenting Incontrovertible Evidence Demonstrating How The Powers That Be (PTB) And Their Lackeys Will Break All The Laws They Are Supposed To Uphold. They Will Kidnap, Intimidate, Terrorise, Rape, Pillage, Plunder And Lie And Take Responsibility For None Of It. All Part Of Their Tactics Of Using Fear And Trauma To Keep Us In Our Place. Relatives Of Those Under Their Radar Are Also Not Safe From Attack And Intimidation. All Starting From A $25 Fine For Not Voting And A $65 Fine For Not Changing A Dog Registration. We Do Not Have Freedom And Can Only Appear To Have Freedom If We Comply. Regardless How Small The Matter The PTB Throw Hundreds Of Thousands Of Dollars Away To Enforce Their Will.... Go Here:
Fiona Cristian Reply To State Debt Recovery Office - Part One to Part Ten - From 17th October 2008 And Still Continuing:
http://loveforlife.com.au/node/6319 or
Fiona Cristian Reply To State Debt Recovery Office
Part One: http://loveforlife.com.au/node/5742 - From 17th October 2008
Part Two: http://loveforlife.com.au/node/6135 - From 18th December 2008
Part Three: http://loveforlife.com.au/node/6295 - From 9th January 2009
Part Four: http://loveforlife.com.au/node/6296 - From 14th January 2009
Part Five: http://loveforlife.com.au/node/6375 - The Sick Puppy - From 20th February 2009
Part Six: http://loveforlife.com.au/node/6390 - Police Officers, Sheriff’s Officers, Tow Truck Driver and State Debt Recovery Office Blatantly Ignore the Law To Rape, Pillage and Plunder The Private Property Of Fiona Cristian - From 11th March 2009
Part Seven: http://loveforlife.com.au/node/6445 - Affidavit Of Truth - Letter To The Queen + Australia: Fascism is Corporatism - From 30th March 2009
Part Eight: http://loveforlife.com.au/node/6652 - The Pirates Auction And The Ghost Of VSL386 - From 4th April 2009
Part Nine: http://loveforlife.com.au/node/7073 - Arthur Cristian's Letter To Pru Goward MP - From 15th December 2009
Part Ten: http://loveforlife.com.au/node/7500 - Should We Be In Fear Of Those Who Claim To Protect Us? "Roman Cult" Canon Law - Ecclesiastical Deed Poll - The Work Of Frank O'Collins - From 13th October 2010

8. If You Are Interested In Information On Freedom From Statutes, Rule-Of-Law, Free Man/Free Woman, Strawman, "Person" and Admiralty Law (The Law Of Commerce),

go here: http://loveforlife.com.au/node/895 - For Common Law, Democracy, Constitution, Trial By Jury, Fee Simple, etc, go here: http://loveforlife.com.au/category/main/law-articles-documents

9. If You Are Interested In Banking and Money Created (Fiat/Credit/Debt/Mortgage/Loan/Overdraft etc) Out-Of-Thin-Air, How Banks Counterfeit Money,

go here: http://loveforlife.com.au/banks

10. For A List Of All The Latest Posts In The Love For Life Website,

go here: http://loveforlife.com.au/tracker

11. For Links To Many Hundreds Of Videos, DVDs And Podcasts

go here: http://loveforlife.com.au/video_dvd

12. To See The Cristian Family Pledge, Legal and other Disclaimers

go here: http://loveforlife.com.au/content/06/12/05/love-life-legal-disclaimer

13. To Read About How A Representative Of The NSW Jewish Board Of Deputies Had Threatened To Shut Down The Love For Life Website

go here: Part One: http://loveforlife.com.au/node/6616 Part Two: THE STEVE JOHNSON REPORT AND VIDEO: http://loveforlife.com.au/node/6665 and Part Three: Latest Update On James Von Brunn: http://loveforlife.com.au/node/6673

Conscious Love Always
Arthur & Fiona Cristian
Love For Life
action @ loveforlife.com.au
www.loveforlife.com.au
0418 203204 (int: 0011 61 418 203204)
PO Box 1320 Bowral 2576 NSW Australia

Arthur Cristian

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The Cristian Family November 2006

Love For Life Legal Disclaimer

The information contained on this world wide web site (the web site and all information herein shall be collectively referred to as "Web Site Information"), under the registered url name, loveforlife.com.au, resides on a host server environment in Pittsburgh, Pennsylvania 15203, United States of America.

The Web Site Information has been prepared to provide general information only and is not intended to constitute or be construed as providing substantive professional advice or opinion on any facts or circumstances. Transmission of the information is not intended to create, nor does its receipt give rise to, a professional-client relationship between 'Love for Life' and the receiver.

While every care has been taken to ensure the accuracy and timeliness of the information prepared and/or reported on this site, 'Love for Life' is not responsible for any errors or omissions or for the Web Site Information not being up to date. The Web Site Information may not reflect the most current developments.

The impact of the law, policy and/or procedure for any particular situation depends on a variety of factors; therefore, readers should not act upon any Web Site Information without seeking professional advice. 'Love for Life' is not responsible for any action taken in reliance on any Web Site Information herein.

'Love for Life' is not responsible for any action you or others take which relies on information in this website and/or responses thereto. 'Love for Life' disclaim all responsibility and liability for loss or damage suffered by any person relying, directly or indirectly, on the Web Site Information, including in relation to negligence or any other default.

'Love for Life' does not warrant, represent or hold out that any Web Site Information will not cause damage, or is free from any computer virus, defect(s) or error(s). 'Love for Life' is not liable to users for any loss or damage however caused resulting from the use of material found on its web site.

'Love for Life' does not necessarily endorse or approve of any Web Site Information linked to and contained on other web sites linked herein and makes no warranties or representations regarding the merchantability or fitness for purpose, accuracy and quality, of any such information.

The sending of information by you, and the receipt of it by 'Love for Life', is not intended to, and does not, create a professional-client relationship.

All Web Site Information is considered correct at the time of the web site's most recent revision.

ADDITIONAL DISCLAIMER

THE CRISTIAN FAMILY SUPPORTS
FREEDOM OF SPEECH - FREEDOM OF THOUGHT

The Cristian Family November 2006

Posted Wednesday 17th June 2009
Updated September 2011

NSW Jewish Board Of Deputies
Has Threatened To Shut Down
The Love For Life Website

No Freedom Of Speech - No Freedom Of Thought

Love For Life does not support harm doing in any shape or form. However, we are supporters of free speech and post articles, documentaries, etc, that represent a wide cross section of ideas. See the Love For Life extensive research library where over 6000 documents, articles and videos are posted: http://loveforlife.com.au/node/82. We clearly see the evidence of the destruction to MAN and the earth that has been caused by ALL religions over the centuries and are therefore not supporters of religions, cults, sects or any group that demands conformity of thought, speech or action, or has rules, regulations or rituals that must be followed. Religions, nationalities and cultural "identities" are formed as a result of the brainwashing we receive from childhood. They are part of the tactics the Establishment uses to keep us all divided from one another and fighting one another.

All religions promote discrimination and division, leading to hatred and even violence and murder. None of them have yet to produce a remedy to all the suffering, poverty, unhappiness and discrimination in the world. If any religion truly had the remedy to all the suffering on earth, there would no longer be any suffering. What have Christianity, Islam, Buddhism, Hinduism, Judaism, atheism and the New Age done to end the suffering in the world?

Since December 2006, there have been many attempts to take down the Love For Life website. Any attempts have been thwarted by Love For Life supporters inundating the harm-doers with emails, etc, objecting to them taking down the website for a variety of reasons. The trouble makers usually back off when they realise that they can post all their views, arguments, beliefs, etc, in the Love For Life website without censorship or restriction imposed. They get to see that even the Queen, Pope, Prime Minister, President of America, etc, can post all their views without hindrance or sabotage and that we support freedom of speech/thought which means we support the right of all sides to express their views.

Of note, there is a vast amount of information posted in the Love For Life website which we do not agree with but we leave it all up because we refuse to be biased, opinionated or self-centered/self-serving. Of the many thousands of comments posted over the years we have only removed posts containing secret links to commercial advertisements, terrible foul language, threats of violence and death, etc, and attacks on other people's characters that avoid the subject/debate at hand. Besides links to advertisements, we have taken down less than six comments due to the above. We usually leave everything up, all warts and all, even those posts threatening to do terrible things to Fiona, our children, our dogs, our friends, family & supporters, etc.

The Love For Life website has information from all sides on many subjects, whether about Islam, Judaism, Christianity, Law, health, psychology, mind control, vaccination, aspartame, MSG, Chemtrails etc. There are over 11,000 articles, documentaries etc on the website and they are so diverse that we are sure that everyone would be able to find something they loved and something they hated, if they took the time to search. If we removed all the articles hated by everyone, there would probably be nothing left! We are not anti anyone but freedom of speech is freedom of speech and no one should condemn the work of another without taking the time to research the subject themselves. Yes, there are articles by those who have a less-than-rosy-viewpoint of Judaism, but there are also articles on the dark side of Tibetan Buddhism (and it is very dark) for those who are interested in the truth: Tibet - Buddhism - Dalai Lama: http://loveforlife.com.au/node/6271 Should the authors of these articles be abused and imprisoned for daring to challenge the widely conceived reputation of Buddhism as being the religion of peace and love and that of the Dalai Lama as a saint, or should those interested be allowed to study the work and come to their own conclusions? The same applies to all the articles, documentaries, etc, about Christianity, Islam, Freemasonry, New World Order, etc.

The Love for Life website also shows how the Rule of Law, the Bar, the Government, the Monarchy, the system of commerce, the local, national and multi/trans-national private corporations, all the courses and careers on offer from our universities, all the educators, scientists, academics and experts, the aristocrats and the Establishment bloodlines have also done NOTHING to end the suffering in the world. The website maps the insanity of a world where there is no help for those in need, just as there was no help available for us when we were victims of terrible bank fraud: "NSW Supreme Court Case - Macquarie Bank/Perpetual Limited vs Fiona Cristian - Victims Of Bank Fraud Condoned By Judges" http://loveforlife.com.au/node/5 (orchestrated, condoned and protected by an international crime syndicate/terrorist organisation of judges, barristers, registrars, lawyers, politicians, banksters, big business representatives, media moguls and other lackeys who, all together, put up a wall of silence despite our trying many, many avenues. After the family home was stolen and business destroyed we were left close to poverty and destitution caring for 4 young daughters. Three years later not much has changed regardless of all our efforts. Where were all the followers of all the religions to help us? Or do we have to be members of those religions to receive help from others involved in them?

The New South Wales Jewish Board of Deputies accused us of being anti - Jewish, see: http://loveforlife.com.au/node/6616 and http://loveforlife.com.au/node/6665 because we had posted an excerpt from James von Brun's book: Kill the Best Gentiles: http://loveforlife.com.au/node/6054 in which he blames Jews for the problems of the world. Obviously this is not our view because of what we have stated above. We do not hate anyone, whatever religion they follow. We are always open to talk to any religious leader or politician and meet with any judge, member of the Bar, experts, academics, educators etc to share the remedy we offer that heals all the divisions between MAN and MAN, and MAN and the EARTH.

Today, a representative of the New South Wales Jewish Board of Deputies is threatening to close the website down, because they have decided it is anti - Jewish and that we promote racism. What has the New South Wales Jewish Board of Deputies done to end the suffering in the world? Can they show that they are concerned with the suffering of ALL men, women and children AND ARE SEEN TO BE DOING SOMETHING ABOUT IT or are they only concerned with Jewish affairs? If so, they, along with all the other religions that only care for their own, are part of the problem, not part of the solution. The man who rang Arthur today was only concerned with Jewish affairs; he was not interested in our intentions or in anybody else, just as most Christians, Muslims, Sikhs, Catholics, etc, are only interested in their own. While we separate ourselves into groups, dividing ourselves from others with rules, regulations, rituals, procedures and conditions, we will never solve our problems.

No matter what we in the Western World Civilisation of Commerce have been promised by our politicians, religious leaders, scientists, educators, philosophers, etc, for the past two hundred years, all we have seen is ever-increasing destruction of men, women and children and the earth. None of the so-called experts and leaders we have been taught to rely on are coming up with a solution and none of them are taking full-responsibility for the fact that they can't handle the problem. All religious books talk about end times full of destruction and suffering but why do we have to follow this program when there is an alternative to hatred, mayhem and death? Why are our leaders following the program of destruction and death rather than exploring the alternatives? It seems that any mainstream politician, priest or academic are only interested in supporting the RULES OF THE DIVIDE, that maintain the haves and the have nots. For 200+ years, 99% of the world population have been so trained to pass on their responsibility for themselves, others and the earth, that the 1% of the population that make up the leaders of the rest of us are making all the decisions leading to the destruction of all of us and the earth. Let's not forget the education system that brainwashes the 99% of the population that we are free and have equal rights while, in fact, we are feathering the nests of those at the top.

At the root of all our problems is self-centredness, an unwillingness nurtured by the Establishment that keeps us concerned only with our own needs rather than the needs of others around us and the Earth. Instead of creating and releasing acts of love for those around us as gifts to benefit them and the earth, we take, take and take, until there is nothing left. The whole point of the Love for Life website is to show people the root of all our problems and to share the remedy. The extensive research library is there to attract browsers and to provide access to information not available through mainstream channels. If the New South Wales Jewish Board of Deputies can, after careful examination of our work, prove that anything we are saying is wrong, we will be happy to accept their proof. If they cannot, and they are still insistent on closing the website down, they will be showing themselves to be traitors to MAN because they are not interested in pursuing any avenue that can end the suffering in the world.

All religions, corporations and organisations that support and maintain the Western World Civilisation of Commerce are part of the problem because our civilisation is a world of haves and have nots, racism, violence, hatred, poverty, sickness, discrimination, abuse, starvation, homelessness, corruption, collusion, vindictiveness, social unrest, arrogance, ignorance, fear, war and chaos. While we support civilisation, we support death and destruction because ALL civilisations that have ever existed are apocalyptic by design.

If we truly want peace on earth and freedom for all, we have to let go of all that which keeps us divided, and come together as MAN, conscious living co-creators of creation. The Love For Life website offers a remedy to the problems we all face in the form of DO NO HARM COMMUNITIES: http://loveforlife.com.au/node/3641 For more details see here: http://loveforlife.com.au/node/6511 and here: http://loveforlife.com.au/node/3385 - We also highly recommend that everyone read the brilliant Russian books called The Ringing Cedars: http://loveforlife.com.au/node/1125 - The Love For Life Website Homepage also provides lots of inspiring remedy based information: http://loveforlife.com.au - If you want to be kept up to date with our work please register to the Love For Life Mailing List here: http://loveforlife.com.au/content/09/05/14/mailing-list. We usually send two postings per month. Presently (September 2011) there are over 7000 registrations reaching over 500,000 readers across Earth. The website now (September 2011) receives up to 12 million hits per month. Since December 2006, over 100 million people have visited the Love For Life website.

Conscious Love Always
Arthur and Fiona Cristian
Love For Life
17th June 2009

The Cristian Family November 2006

Clarification Regarding Our Intentions
Behind The Use Of Donations

The Love For Life website is offered for free without a fee and without any conditions attached. If people are inspired to donate money, then we accept their gift and have provided an avenue for them to support the work we do through Fiona's Paypal or ANZ bank account http://loveforlife.com.au/node/8515. There is no obligation whatsoever to donate and all are equally welcome to our work and to our "time", whether they donate or not. Over the last 9 years, all the Love For Life work has been put out for free and it has often been donations from supporters that have enabled us to renew the domain name, etc, to keep the website going. While some complain that we have an avenue for donations, others complained when we didn't! Either use it or don't - the choice is yours.

Since Love For Life started March 2005 and website December 2006, Arthur has worked 16 hours a day, 7 days a week unpaid for much of this period, putting together the website and sharing insights to wake people up to what has been done to them, whether through the 11,500+ individual articles, videos, podcasts, debates, discussions, pdf's, research documents, etc, found amongst the 8,500+ posts, as well as helping many, many men and women over the phone, and through email, website correspondence, Facebook and YouTube, and creating the Love For Life food forest vege garden and Love For Life music recording studio. This is our life is a gift commitment to serve MAN/Nature/Earth but we are still severely compromised by "The System" and still have to give to Caesar what is claimed to belong to Caesar, which is where the donations help us.

Fiona & Arthur Cristian
Love For Life
21st July 2014