NOTICE AND DECLARATION

OF FRAUD
Notice to agent is notice to principal. Notice to principal is notice to agent.

Augusta, Georgia

Richmond County

Bank of America Original Account #: _________________

That I, Joe Blow, a living breathing man being first duly sworn, depose, say
and declare by my signature that following facts are true to the best of my
knowledge and belief.

1. I declare that Bank of America never lawfully loaned me

their money nor loaned me their credit.
2. The Federal Reserve Bank of Chicago: Modern Money
Mechanics. Page 6, Last Paragraph states, "What they
[banks] do when they make loans is to accept promissory
notes in exchange for credits to the borrowers' transaction
accounts. Loans (assets) and deposits (liabilities) both rise
by [the amount of the "loan"]."
credit=debt=money=payment
3. If the alleged debt is true, you converted a promissory
note,
“payment,” into "funds" that you then "loaned" back to me.
You are claiming I would have to pay Bank of America again,
plus interest.
4. Nowhere in the alleged agreement does it say that I am
providing the value (through the alleged promissory note
that you received from me) to fund this alleged loan.
5. Bank of America created a contract without full disclosure
and never put legal tender or lawful money into the credit
account.
6. There was no lawful consideration tendered by Bank of
America to support the alleged credit card debt. A lawful
consideration must exist and be tendered to support the
Note. See Ansheuser-Busch Brewing Company v. Emma
Mason, 44 Minn. 318, 46 N.W. 558.
 7. The Law leaves wrongdoers where it finds them. See
sections 50, 51 and 52 of Am Jur 2nd "Actions" on page 584
– "no action will lie to recover on a claim based upon, or in
any manner depending upon, a fraudulent, illegal, or
immoral transaction or contract to which Plaintiff was a
party."
8. Bank of America's act of creating money on
account is not authorized by the Constitution and
Laws of the United States, is unconstitutional and
void, and is not a lawful consideration in the eyes of
the Law to support anything or upon which any
lawful right can be built.
9. In Howard & Foster Co. vs. Citizens National Bank of
Union, 133 S.C. 202; 130 SE 758, (1927), it was stated, “It
has been settled beyond controversy that a national bank,
under Federal law, being limited in its power and capacity,
cannot lend its credit by guaranteeing the debt of another.
All such contracts being entered into by its officers are ultra
vires and not binding upon the corporation.”
10. As it is unlawful for banks to loan their credit then Bank
of America fraudulently loaned me my credit without telling
me thus stealing my credit and making me pay for it. Bank
of America is guilty of bank fraud and mail fraud all the way
around.
11. Bank of America also never loaned me its money as it is
prohibited for a bank to lend its assets under USC title 12.

Please total and return to me, plus the interest rate you
charged, the
“payments” I mistakenly made to you over the life of this
alleged loan
on all accounts.
Failure to provide me with a written letter by your agency/law
firm of
“non-existence of debt” within 10 days will result in the actions
mentioned below. Failure to purge all derogatory credit reporting
from
any credit agencies, including Experian, Equifax, and TransUnion
without validity of the aforementioned debt shall be considered
an act
of fraud.

Illegal extortion of funds

Punitive damages
General damages
Exemplary damages
Special damages
Inability to obtain fresh credit for filing judgments against my
credit bureau
and/or such further & other relief as I deem necessary to seek.

THAT, this notice if not rebutted by any man, representing

(creditor) at any level, in any matter, at any time within 10 days
upon receipt, these facts stands as true in the both the private
and public record.
NOTE: Maxim of Law - 1. In Commerce – Truth is sovereign. 2. For
a matter to be resolved, it must be expressed. Point of Law –
Silence equates to agreement.

Done this ____day of ______________ 2009 A.D.

________________________________ - Print

________________________________- Signature of Principal

ACKNOWLEDGEMENT

SUBCRIBED TO AND SWORN before me this _____day of ________________, A.D.

2009, a Notary, that______________________, personally appeared and known
to me to be the man whose name subscribed to the within instrument and
acknowledged to be the same.

____________________________________ (Seal)

Notary Public in and for said State

My Commission expires; _______________