Tuesday, May 06, 2008
My reply to the TU opposition to my amended complaint - guns and defaults
I just uploaded my filing.
Writing this motion really drove home how futile consumer litigation is. I couldn’t help but get into the lying lawyers, Battersby actually opposed my amended complaint because I was supposed to include these new claims of unjust enrichment and tortuous interference BEFORE it happened!
I got so angry, and I filed my thoughts, including my reasoning for bothering with these futile legal actions. And I just cannot believe that they wouldn’t fix the Date Closed after so many specific disputes. I have no idea whether it’s retaliation or just plain incompetence, ignorance and/or arrogance.
III. CONCLUSION
As the record shows, Trans Union has filed motion after motion, sparing no expense to get another unjust dismissal.
Of course Baker is not expecting to prevail against the world’s most powerful corporations with unlimited funds for legal fees and liars and the complete lack of any ethics, morals and conscience.
However, despite the odds, Baker continues to litigate as part of her fact finding mission for the following reasons:
1) Many Americans are hording guns and ammo, preparing for violence.
As a Pacifist, Baker does not advocate violence. And of course it is unlikely that a population armed with guns will prevail against a government with spy satellites, helicopters, fighter planes, missiles and controlling all communications. There SHOULD be nonviolent ways to resolve disputes and to obtain justice.
What happens when consumers go to court to seek justice?
As the record shows, consumers are more likely to win the lottery than prevailing in an American court. In fact, in Phoenix federal court even consumers represented by attorneys fail to prevail against credit bureaus or creditors. Instead of landmark rulings requiring CRAs, creditors and collectors to comply with the law, the consumer attorneys accept the settlement bribes, allowing the defendants to continue their illegal profiteering.
Baker was outraged when she first discovered that many consumer and corporate attorneys have “working relationships” and that the CRAs pay a few thousand dollars for legal fees to the consumer attorneys and the victims are lucky to get corrected reports.
Baker’s widely published litigation lays the foundation for reasonable citizens to determine how to seek justice in America. And while Baker is still awaiting appeals court decisions, even favorable rulings are unlikely to encourage consumers to seek justice in court. Who wants to spend years and many thousands of dollars on litigation?
2) Baker is advocating massive credit card defaults.
Baker was raised to be honest, to pay the bills and to earn a living without deceiving or defrauding anyone. Baker tried doing the right thing, filing her lawsuits, speaking the truth and doing the best she could to find justice in court. It didn’t work.
As Baker’s litigation efforts failed, she recently developed her own strategy to destroy this vile system, publicizing why she stopped paying some of her credit cards and encouraging the many millions of judgment-proof Americans with large unsecured debts to STOP paying their credit cards.
Consumers cannot boycott credit bureaus.
The CRAs ignored Baker’s requests to remove her from their databases.Baker also just learned that the banks create most money they lend.
In fact, money is only created by new debt and the interest on the debt does not exist.Can Baker send her creditors a check for $9,000 for every $1,000 deposited in her account?
This is by no means an American problem, as almost all industrialized countries allow the banks to create money. The governments borrow from banks and investors and pay interest instead of creating the money themselves. The tax payers pay the interest on the national debt which should not be a debt at all!
Now that Baker understands banking, it makes perfect sense that the CRAs who enable the bankers to charge billions of dollars in excessive interest and fees due to FCRA violations are above the law.
Of course Baker doesn’t expect to single handedly bring down this corrupt system. In fact, she believes that it will self-destruct and that the consumers who take her advice to stop paying credit card debt and to instead stock up on food, fuel and other necessary items will merely be better prepared to survive rough times ahead. If Baker is wrong, they lost nothing. They can still eat their food, drive their cars and spend the money they didn’t send to the banks. However, if the entire financial system collapses, America will eventually recover and hopefully create a better system. A system without corporate credit bureaus and maybe even without lying lawyers.
Baker’s litigation also ultimately resulted in class actions requiring the CRAs to report the Capital One credit limits and thereby increasing the credit scores of many million of consumers. It’s not always about immediate results and as they say in Europe, “all roads lead to Rome.” That is why Baker takes on the world’s most powerful corporations in this Court, why she widely publishes her defeats and now started to embark on new methods such as advocating massive credit card defaults.
For the foregoing reasons, Baker respectfully requests that the Court deny all of Trans Union’s Motions.
After I got done filing, I turned on the Alex Jones show and he promptly talks about how so many people are oiling their guns.
I subscribe to some newsgroups about intentional communities and there are people who will not leave their house without their gun. People start to boycott Walmart because it no longer sells guns and ammo.
WTF do they think they’ll do with their guns?
Haven’t they realized that we’re in the 21st century?
I just don’t get it.
But, I sure can’t say that they should go to COURT to protect their rights after what’s been happening to me throughout 5 years of “seeking justice” in federal court.
So that leaves NOT paying your credit cards, for those who are either judgment-proof or willing to take the risk of getting sued and then fighting back.
And since the credit bureaus refuse to correct their reporting, I’ll shift my services from improving credit scores to helping people NOT pay their bills.
I can go with the flow and if I can’t make a living doing what I’m currently most qualified to do, I’ll do something else. It is a bit sad that I wasted so many thousands of hours on researching FICO scores for nothing.
But then again, often things happen for a reason. It might be more important to help people default instead of improving credit scores. If the economy collapses, your 800 credit score does nothing for you.
Compare that to, for example, saving $6,000 over the next year in credit cards payments. You can have a car that runs well, if you own your home, take care of (deferred) maintenance and of course have a well stocked pantry. You really have NOTHING to lose.
PLAN your default, keep some OLD accounts current and don’t blow the money you save on drugs or whatever, you CAN settle the debts for pennies on the dollar if it turns out that everything is going to be fine and dandy in a couple years and your scores CAN be around 700 then.
Courts and guns don’t work, defaulting seems like the only realistic way to protect yourself. And btw, I’m not saying that you can’t have a gun around for just in case. I just don’t think that you’ll defeat the government and the military with your gun.
While on that subject, Jesse Ventura’s book ends with some interesting projections. He runs for president with Kennedy, as independents, are doing great, and then bombs go of in several cities, Marshall law, Ventura leads a march on Washington and gets shot.
I don’t think he should run for president if he wants to live, it’s quite likely that they’d kill him.
2007 Inquiry suit • Trans Union • (0) Comments • Permalink
