A devastating legal and commercial collapse is underway for Naji Doumit, Marinaj Properties LLC, and their counsel following a Verified Response that dismantles their fraudulent Cross-Complaint. With unrebutted affidavits, perfected UCC filings, and binding conditional acceptance, the Plaintiffs have closed the commercial record and exposed the Defendants to over $100 million in liability. Unauthorized use of protected trademarks like KEVIN WALKER™ and DONNABELLE MORTEL™ now carries $1 million per-use penalties. The Cross-Complaint stands in dishonor, their legal position is void, and federal enforcement is imminent. There is no path to relief—only escalating consequences.
Charles Rogers, Jeremiah D. Raxter, and Monika Vermani have engaged in a criminal racketeering enterprise in Riverside County, California, committing fraud, extortion, and deprivation of rights under color of law. Rogers and Raxter, both inactive and unauthorized to practice law, unlawfully acted as judicial officers, issuing void orders and illegal warrants. Vermani knowingly pursued fraudulent prosecutions despite clear constitutional violations, further implicating her under 18 U.S.C. §§ 241, 242, and RICO 18 U.S.C. § 1962. Their coordinated acts constitute felonies and establish a pattern of racketeering activity subject to immediate federal civil rights and criminal actions. All fraudulent obligations have been assigned to the Treasury under UCC 1-308 and 31 U.S.C. § 3123, and full prosecution and sanctions are being pursued.
If your home was wrongfully foreclosed, you may still have a powerful path to reclaim title, assert your interest, and recover the proceeds or possession—by asserting your equitable rights, perfecting a security interest, and enforcing your position as a secured party in law and in commerce.
Most Americans don’t realize the U.S. government removed real money in 1933 — but also gave the people a powerful remedy: the right to discharge debt through lawful assignment. Under 31 U.S.C. § 3123 and 5118, private Americans can tender value and assign obligations to the Treasury for dollar-for-dollar discharge, using the same credit-based system banks rely on daily. This isn’t fringe theory — it’s codified law, commercial equity, and constitutional remedy in action. By properly perfecting interest, assigning the debt, and documenting the discharge, you not only resolve your own claims, but reduce the national debt and restore balance. The only thing missing? The knowledge that it was always your lawful right to begin with.
This article contrasts Florida’s judicial foreclosure system with the non-judicial processes used in California and Nevada, exposing how administrative overreach often results in fraudulent, void trustee’s deeds of sale. Florida, by requiring court involvement, protects due process, equitable interests, and private trusts — reflecting the principles of a living constitutional republic. In contrast, California and Nevada allow corporations to seize homes without judicial review, disregarding trust law and secured party rights. Learn how private trusts, UCC filings, and legal challenges can be used to defend property rights in non-judicial states. Florida serves as a legal firewall and model for restoring true rule of law.
Many assume that consumer law exists independently of the Uniform Commercial Code (UCC) and is governed solely by statutes like the Truth in Lending Act (TILA) and its implementing regulation, Regulation Z. However, this is a misconception. The UCC plays a critical role in consumer transactions, particularly in areas such as secured transactions, negotiable instruments, sales of goods, and warranties. While consumer protection laws provide remedies and disclosures, the UCC governs the enforceability, structure, and rights associated with consumer agreements.One of the most significant aspects of this relationship is UCC Article 9, which explicitly recognizes "consumers" as "debtors" in secured transactions, reinforcing the UCC’s authority over consumer transactions.
A consumer debtor under UCC § 9-102 is a public entity and debt-transmitting utility vehicle, not a sovereign individual. As an ens legis, the consumer functions as a debtor in a system where all transactions are based on debt, per public law and policy. Since the removal of gold-backed currency (HJR-192, 1933), consumers operate within a commercial framework where assets are collateralized, not owned outright. This distinction separates the legal fiction (U.S. citizen) from the living man or woman, reinforcing the commercial nature of all consumer transactions.
A UCC-3 Amendment can perfect a security interest in new collateral by modifying an existing UCC-1 Financing Statement. It adds new instruments, property, or assets to the original filing, ensuring the secured party‘s interest is perfected as of the UCC-3 filing date. The amendment eliminates the need for a new UCC-1, provided the original filing is still active. To ensure validity, the UCC-3 must describe the new collateral in detail and be filed promptly with the appropriate authority. This process extends the scope of the original UCC-1, securing the additional assets effectively.
The Estate of Steven MacArthur Brooks has filed a $2.975 billion lawsuit against San Diego County Credit Union, asserting a legally binding contract and requesting summary judgment. This claim highlights the plaintiffs’ standing as secured creditors under the Uniform Commercial Code, supported by unrebutted affidavits and documented acceptance of contractual terms by the defendants. The case centers on a security agreement and contract, with the defendants’ lack of response legally reinforcing the plaintiffs’ demand for summary judgment.
anyone can file a UCC-1 against anyone else. To protect both secured creditors and debtors, Article 9 has strict requirements that must be met for a filed UCC-1 to be effective. One of those requirements is that the financing statement must be authorized by the debtor. Even if that authorization is way of a non-response to an affidavit and/or notice, silent acquiescence, tacit agreement, and/or tacit procuration.
Private Citizen – is someone who is private and not governed by any de facto corporation like the U.S. […]