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ETERNAL ZION LLC

DISCHARGE
REMEDIES
INCLUDES ALL ESSENTIAL PROCESSES A person can use
to begin discharging his/her own debt. This
includes the procedures of how to follow up after
using coupon remittance, filing 1099a and 1099c.
Also included in the this book are discharge
processes you can use after becoming a secured
party creditor.

OUR 3 MAJOR THEMES

COUPON REMITTANCE 1099A/C TEMPLATES

WE'LL INCLUDE INFORMATION THIS GUIDE WILL INCLUDE A THIS GUIDE WILL INCLUDE THE
ON HOW TO USE COUPON DETAILED BREAKDOWN OF FINALIZATION OF FOLLOWING
REMITTANCE AS A PROCEDURE HOW TO SUCCESSFULLY FILE UP WITH SPECIFIC TEMPLATES
WHEN PROCESSING A 1099A AND 1099C FORM TO EQUIVALENT TO LETTERS, BILL
REGISTERED SECURITIES. DISCHARGE DEBTS. OF EXCHANGE AND MORE!

TABLE OF
CONTENTS
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INFINITE BANKING AND
TERMINOLOGY

ETERNAL ZION RECORDS

TABLE OF CONTENTS
INDEX:
PAGES SUBJECT
3-5 INTRODUCTION
6 emergency banking act
7 - 10 bank institutions
how consumers discharge
11
debt
how to endorse promissory
12 - 21
note
22 TDA ACCOUNT
23 - 24 HOW TO FILE 1099C
25 - 26 HOW TO FILE 1099A
WHAT IF THEY DON’T ACCEPT
27 - 29
MY PAYMENT
30 - 31 FILE UCC ON ASSETS
32 - 34 BILLING ERROR
35 RECAP
36 SOURCES
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INTRODUCTION TO DEBT

WHAT IS BANKING?

BANKING IS THE BUSINESS OF PROTECTING MONEY FOR OTHERS.

BANKS LEND THIS MONEY, GENERATING INTEREST THAT CREATES
PROFITS FOR THE BANK AND ITS CUSTOMERS. A BANK IS A
FINANCIAL INSTITUTION LICENSED TO ACCEPT DEPOSITS AND
MAKE LOANS. BUT THEY MAY ALSO PERFORM OTHER FINANCIAL
SERVICES

WHAT DOES DISCHARGE MEAN IN BANKING?

DISCHARGE (OF DEBTS) REFERS TO THE PROCESS IN BANKRUPTCY

COURT, WHEN A DEBTOR IS NO LONGER LIABLE FOR THEIR
DEBTS, AND THE LENDER IS NO LONGER ALLOWED TO MAKE
ATTEMPTS TO COLLECT THE DEBT. THE COURT WILL ISSUE A
DECISION TO DISCHARGE DEBTS.

THE DISCHARGE IS A PERMANENT ORDER PROHIBITING THE

CREDITORS OF THE DEBTOR FROM TAKING ANY FORM OF
COLLECTION ACTION ON DISCHARGED DEBTS, INCLUDING LEGAL
ACTION AND COMMUNICATIONS WITH THE DEBTOR, SUCH AS
TELEPHONE CALLS, LETTERS, AND PERSONAL CONTACTS.

HJR RESOLUTION 192 73RD CONGRESS

AMERICA HAS BEEN IN BANKRUPTCY SINCE 1933 WHEN A VERY
IMPORTANT PROCLAMTION WAS PUT INTO EFFECT. THIS STANDARD
IS KNOW AS THE SUSPENSION OF THE GOLD STANDARD.

ON APRIL 20, PRESIDENT ROOSEVELT ISSUED A PROCLAMATION

THAT FORMALLY SUSPENDED THE GOLD STANDARD. THE
PROCLAMATION PROHIBITED EXPORTS OF GOLD AND PROHIBITED
THE TREASURY AND FINANCIAL INSTITUTIONS FROM CONVERTING
CURRENCY AND DEPOSITS INTO GOLD COINS AND INGOTS. THE
ACTIONS HALTED GOLD OUTFLOWS.
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INTRODUCTION TO DEBT

HJR RESOLUTION 192 73RD CONGRESS (CONT)

IN 1933, THE POWERS THAT BE IN AMERICA MADE IT AGAINST THE
LAW TO PAY DEBTS WITH GOLD, KNOWN AS HOUSE JOINT
RESOLUTION 192 . INSTEAD, ALL DEBTS COULD ONLY BE
“DISCHARGED” BY OFFERING A SUFFICIENT AMOUNT OF “FEDERAL
RESERVE NOTES”. THE PAPER CURRENCY IN THE UNITED STATES
TODAY CONTINUES TO BE CALLED A “FEDERAL RESERVE NOTE”

THE BANKS DISCHARGE OUR DEBTS EVERY YEAR

THE BANKS DISCHARGES OUR DEBTS YEARLY. ALL DEBTS INCLUDE

CONTRACTS AND BILLS PAID THE YEAR BEFORE)
BANKS DISCHARGE THAT DEBT BY FILING 1099C FORM THROUGH
THE TREASURY DEPARTMENT BY MARCH 1ST EVERY YEAR.

MAJOR CONCERNS

WE’VE SIGNED FIDUCIARY DUTIES FOR THE BANK TO HANDLE

OUR SECURITIES
FINANCIAL CONTRACTS WE SIGN HAVE GIVEN BANKS SECURITY
INTEREST INTO OUR ESTATE
WE ARE NOT TAUGHT THAT WE HAVE AUTHORITY TO KEEP THE
PROCEEDS
ALL TERMS AND FACTUAL INFORMATION ARE STATED IN THE
CONTRACTS
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INTRODUCTION TO DEBT

CREDITORS CANNOT COLLECT ON

DISCHARGED DEBTS

THE DISCHARGE IS A PERMANENT ORDER PROHIBITING THE

CREDITORS OF THE DEBTOR FROM TAKING ANY FORM OF
COLLECTION ACTION ON DISCHARGED DEBTS, INCLUDING LEGAL
ACTION AND COMMUNICATIONS WITH THE DEBTOR, SUCH AS
TELEPHONE CALLS, LETTERS, AND PERSONAL CONTACTS. IT’S
IMPORTANT TO NOTE THAT IF ALL DEBTS ARE DISCHARGED WHY
ARE THESE COMPANIES CHARGING US A MONTHLY BILL? THATS
BECAUSE NOT ONLY DID WE GIVE THEM SECURITY INTEREST BUT
WE SIGNED CONTRACTS ALLOWING THEM TO CHARGE US INTEREST
FOR OUR LOANS. BANKS SIMPLY PLAY THE MIDDLE MAN BETWEEN
THE CONSUMER AND THE TREASURY,

18 U.S. CODE § 8 - OBLIGATION OR OTHER SECURITY OF THE UNITED

STATES DEFINED - AMERICA IS RESPONSIBLE FOR ALL DEBT

THE TERM “ OBLIGATION OR OTHER SECURITY OF THE UNITED

STATES ” INCLUDES ALL BONDS, CERTIFICATES OF
INDEBTEDNESS, NATIONAL BANK CURRENCY, FEDERAL RESERVE
NOTES, FEDERAL RESERVE BANK NOTES, COUPONS, UNITED
STATES NOTES, TREASURY NOTES, GOLD CERTIFICATES, SILVER
CERTIFICATES, FRACTIONAL NOTES, CERTIFICATES OF DEPOSIT,
BILLS, CHECKS, OR DRAFTS FOR MONEY, DRAWN BY OR UPON
AUTHORIZED OFFICERS OF THE UNITED STATES, STAMPS AND
OTHER REPRESENTATIVES OF VALUE, OF WHATEVER
DENOMINATION, ISSUED UNDER ANY ACT OF CONGRESS , AND
CANCELED UNITED STATES STAMPS.
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Emergency banking act

of 1933

EMERGENCY BANKING ACT OF 1933 - TITLE I SUMMARY

TITLE I EXPANDED PRESIDENTIAL AUTHORITY DURING A
BANKING CRISIS, INCLUDING RETROACTIVE APPROVAL OF THE
BANKING HOLIDAY AND REGULATION OF ALL BANKING
FUNCTIONS, INCLUDING “ANY TRANSACTIONS IN FOREIGN
EXCHANGE, TRANSFERS OF CREDIT BETWEEN OR PAYMENTS BY
BANKING INSTITUTIONS AS DEFINED BY THE PRESIDENT, AND
EXPORT, HOARDING, MELTING, OR EARMARKING OF GOLD OR
SILVER COIN.”

EMERGENCY BANKING ACT OF 1933 - TITLE II SUMMARY

TITLE II GAVE THE COMPTROLLER OF THE CURRENCY THE

POWER TO RESTRICT THE OPERATIONS OF A BANK WITH
IMPAIRED ASSETS AND TO APPOINT A CONSERVATOR, WHO
“SHALL TAKE POSSESSION OF THE BOOKS, RECORDS, AND
ASSETS OF EVERY DESCRIPTION OF SUCH BANK, AND TAKE
SUCH ACTION AS MAY BE NECESSARY TO CONSERVE THE
ASSETS OF SUCH BANK PENDING FURTHER DISPOSITION OF ITS
BUSINESS.”

EMERGENCY BANKING ACT OF 1933 - TITLE III, IV, V SUMMARY

TITLE III ALLOWED THE SECRETARY OF THE TREASURY TO

DETERMINE WHETHER A BANK NEEDED ADDITIONAL FUNDS TO
OPERATE AND “WITH THE APPROVAL OF THE PRESIDENT
REQUEST THE RECONSTRUCTION FINANCE CORPORATION TO
SUBSCRIBE TO THE PREFERRED STOCK IN SUCH ASSOCIATION,
STATE BANK OR TRUST COMPANY, OR TO MAKE LOANS SECURED
BY SUCH STOCK AS COLLATERAL.”

TITLE IV GAVE THE FEDERAL RESERVE THE FLEXIBILITY TO

ISSUE EMERGENCY CURRENCY—FEDERAL RESERVE BANK NOTES
—BACKED BY ANY ASSETS OF A COMMERCIAL BANK.

TITLE V MADE THE ACT EFFECTIVE.

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BANK INSTITUTIONS AND

THEIR ROLES

WHAT IS A FINANCIAL INSTITUTION?

FINANCIAL INSTITUTION - A "FINANCIAL INSTITUTION"

INCLUDES ANY PERSON DOING BUSINESS IN ONE OR MORE OF
THE FOLLOWING CAPACITIES:
(1) BANK (EXCEPT BANK CREDIT CARD SYSTEMS);
(2) BROKER OR DEALER IN SECURITIES;
(3) MONEY SERVICES BUSINESS;
(4) TELEGRAPH COMPANY;
(5) CASINO;
(6) CARD CLUB;
(7) A PERSON SUBJECT TO SUPERVISION BY ANY STATE OR
FEDERAL BANK SUPERVISORY AUTHORITY.

FOR THE REGULATORY DEFINITION OF "FINANCIAL

INSTITUTION," SEE 31 CFR 1010.100(T) (FORMERLY 31 CFR
103.11(N))

WHAT ARE THE DIFFERENT TYPES OF FINANCIAL

INSTITUTIONS?

1. INVESTMENT BANKS
2. RETAIL AND COMMERCIAL BANKS
3. BROKERAGES
4. INVESTMENT COMPANIES
5. INSURANCE COMPANIES
6. CENTRAL BANK
7. INTERNET BANKS
8. CREDIT UNIONS
9. SAVINGS AND LOAN ASSOCIATIONS
10.MORTGAGE COMPANIES
11. ADVISORY FIRMS
12.TRUST COMPANIES
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BANK INSTITUTIONS AND

THEIR ROLES

WHAT IS A TRANSFER AGENT

TRANSFER AGENTS RECORD CHANGES OF OWNERSHIP,

MAINTAIN THE ISSUER'S SECURITY HOLDER RECORDS,
CANCEL AND ISSUE CERTIFICATES, AND DISTRIBUTE
DIVIDENDS. BECAUSE TRANSFER AGENTS STAND BETWEEN
ISSUING COMPANIES AND SECURITY HOLDERS, EFFICIENT
TRANSFER AGENT OPERATIONS ARE CRITICAL TO THE
SUCCESSFUL COMPLETION OF SECONDARY TRADES. SEC
RULES AND REGULATIONS ARE INTENDED TO FACILITATE
THE PROMPT AND ACCURATE CLEARANCE AND SETTLEMENT
OF SECURITIES TRANSACTIONS AND THAT ASSURE THE
SAFEGUARDING OF SECURITIES AND FUNDS. INFORMATION
ABOUT TRANSFER AGENT REGISTRATION, INSPECTIONS, AND
RULES CAN BE FOUND BELOW.

SECTION 17A(C) OF THE 1934 ACT REQUIRES THAT TRANSFER

AGENTS BE REGISTERED WITH THE SEC, OR IF THE
TRANSFER AGENT IS A BANK, WITH A BANK REGULATORY
AGENCY. THERE IS NO SRO THAT GOVERNS TRANSFER
AGENTS. THE SEC THEREFORE HAS PROMULGATED RULES
AND REGULATIONS FOR ALL REGISTERED TRANSFER
AGENTS, INTENDED TO FACILITATE THE PROMPT AND
ACCURATE CLEARANCE AND SETTLEMENT OF SECURITIES
TRANSACTIONS AND THAT ASSURE THE SAFEGUARDING OF
SECURITIES AND FUNDS. THE RULES INCLUDE MINIMUM
PERFORMANCE STANDARDS REGARDING THE ISSUANCE OF
NEW CERTIFICATES AND RELATED RECORDKEEPING AND
REPORTING RULES, AND THE PROMPT AND ACCURATE
CREATION OF SECURITY HOLDER RECORDS AND THE
SAFEGUARDING OF SECURITIES AND FUNDS. THE SEC ALSO
CONDUCTS INSPECTIONS OF TRANSFER AGENTS
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BANK INSTITUTIONS AND

THEIR ROLES

BANKS ARE SECURITY TRANSFER AGENTS

TRANSFER AGENTS WORK FOR THE SECURITY ISSUER TO RECORD
CHANGES OF OWNERSHIP, MAINTAIN THE ISSUER'S SECURITY
HOLDER RECORDS, CANCEL AND ISSUE CERTIFICATES, AND
DISTRIBUTE DIVIDENDS. TRANSFER AGENTS ARE USUALLY
BANKS OR TRUST COMPANIES, BUT SOMETIMES A COMPANY
ACTS AS ITS OWN TRANSFER AGENT. WE ARE SUPPOSED TO USE
BANKING INSTITUTIONS TO WIRE OUR SECURITIES TO THE
TREASURY.

FINANCIAL SECURITIES

A FINANCIAL SECURITY IS A DOCUMENT OF A CERTAIN

MONETARY VALUE. IT REFERS TO STOCKS AND BONDS WHICH
ARE NEGOTIABLE. DERIVATIVES ARE ALSO CONSIDERED AS A
COMMON TYPE OF FINANCIAL SECURITY WITH ITS GROWING
POPULARITY IN RECENT YEARS,

TYPES OF FINANCIAL SECURITIES

EQUITY SECURITIES REPRESENT OWNERSHIP IN A COMPANY,
PARTNERSHIP, OR OTHER BUSINESS ENDEAVOR. AS AN INVESTOR,
YOU GENERALLY WILL HAVE SOME CONTROL OVER THE COMPANY’S
DIRECTION VIA VOTING RIGHTS.

DEBT SECURITIES REPRESENT MONEY YOU’VE ESSENTIALLY

LOANED TOWARD A PROJECT OR ENTITY. YOU’RE ENTITLED TO
REGULAR INTEREST AND PRINCIPAL PAYMENTS. DEBT SECURITIES
MIGHT INCLUDE BONDS, CDS, OR OTHER COLLATERALIZED
SECURITIES

HYBRID SECURITIES COMBINE FEATURES OF BOTH EQUITY AND

DEBT SECURITIES. CONVERTIBLE BONDS AND PREFERRED STOCK
ARE EXAMPLES OF HYBRID SECURITIES. SOME PEOPLE ALSO
INCLUDE DERIVATIVE SECURITIES AND ASSET-BACKED SECURITIES
AS THEIR OWN CATEGORIES.
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BANK INSTITUTIONS AND

THEIR ROLES

WHAT IS A PROMISSORY NOTES

A PROMISSORY NOTE IS A FINANCIAL INSTRUMENT

THAT CONTAINS A WRITTEN PROMISE BY ONE
PARTY (THE NOTE'S ISSUER OR MAKER) TO PAY
ANOTHER PARTY (THE NOTE'S PAYEE) A DEFINITE
SUM OF MONEY, EITHER ON DEMAND OR AT A
SPECIFIED FUTURE DATE.

FEDERAL RESERVE NOTES ARE PROMISSORY NOTES

FEDERAL RESERVE NOTES ARE ACTUALLY

PROMISSORY NOTES AND SHOULD BE SECURITIZED
AND WIRED TO YOUR TDA ACCOUNT. BANKS ARE
USED IN CONJUCTION TO YOUR TREASURY DIRECT
ACCOUNT TO WIRE SECURITIES PROPERLY AND
ONCE THE BANK SENDS IT TO THE TREASURY, THE
TREASURY THEN SECURITIZES IT. THIS IS HOW WE
ARE SUPPOSED TO HANDLE OUR SECURITIES
PROPERLY BUT INSTEAD WE GIVE FINANCIAL
INSTITUTIONS SECURITY INTEREST BY SIGNING OUR
SIGNATURE ON CONTRACTS.
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HOW DO CONSUMERS
DISCHARGE DEBTS

HOW THIS SYSTEM WAS DESIGNED

THE SYSTEM WAS DESIGNED TO USE OUR SOCIAL SECURITY
NUMBERS TO TRACK DEBT AND DISCHARGE ALL DEBTS
USING THE BANKS AS SECURITY TRANSFER AGENTS. THIS
MEANS WE HAVE ALL BEEN USING BANKS IN THE WRONG
MANNER,

BANKS ARE TO BE USED AS TRANSFER AGENTS TO “WIRE”

OUR SECURITIES TO THE TREASURY SO ALL SECURITIES
CAN BE USED TO DISCHARGE THE PUBLIC DEBT AND ALL
CONSUMER DEBT.

TREASURY DIRECT ACCOUNT

WHEN YOU DEPOSIT A PROMISSORY NOTE THE TREASURY

WILL DEVELOP A CUSIP NUMBER THAT THEY TRADE ON THE
INTERNATIONAL AUCTION ON TREASURY DIRECT ACCOUNT.
THE CUSIP NUMBER CAN BE TRADED ON YOUR OWN TDA
ACCOUNT THAT GAINS INTEREST IF ITS A REGULAR BILL,
EVERY FOUR WEEKS. YOU’LL THEN RECIEVE A DIVEDEND
CHECK EVERY FOUR WEEKS.

THE TREASURY WILL REWARD YOU FOR MAKING PAYMENTS

ON THE PUBLIC DEBT BY CREDITING 2X THE AMOUNT OF
THE SECURITY.

THE TOP PORTION OF EVERY BILL STATEMENT YOU

RECIEVE FROM YOUR FINANCIUAL INSTITUTION IS THE
BOND ITSELF AND THE BOTTOM PORTION WITH THE
AMOUNT IS THE SECURITY.

NOW LETS DIVE FURTHER INTO THE MANY WAYS DEBT CAN
BE DISCHARGED!
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HOW TO ENDORSE A
PROMISSORY NOTE

WHICH CONTRACTS CAN BE ENDORSED?

THERE ARE MANY CONTRACTS THAT CAN BE ENDORSED HERE’S
A LIST:

MORTGAGE
CAR CONTRACT
RENTAL LEASE
CHILD SUPPORT
PHONE BILL
ELECTRIC/WATER BILL
TICKETS

EACH CONTRACT IS A SECURITY (INSTRUMENT) AND SHOULD BE

DEPOSITED.

STEP 1: HOW TO ENDORSE PROMISSORY NOTE

FIND THE TRUSTEE AND INDENTURE TRUSTEE OF THE

FINANCIAL INSTITUTION YOU HAVE CONTRACTED WITH.

TRUSTEE SEARCH: SEC.GOV (10K FORM) OR (8K FORM) FOR

EXAMPLE YOU CAN GOOGLE SEARCH (NAME OF COMPANY)
TRUSTEE AGREEMENT SEC.GOV OR (NAME OF COMPANY) 10K
SEC.GOV. NORMALLY YOU’LL SEE A LIST OF DOCUMENTS
AND THATS WHEN YOU’LL FIND THE INDENTURED TRUSTEE,
REPRESENTATIVES, AND ADDRESSES. REMEMBER THE
COMPANY CANNOT SPEAK FOR ITSELF SO YOU WILL HAVE TO
ADDRESS THE REPRESENTATIVE LISTED ON THE SEC FILING.
IT CAN BE THE CFO (CHIEF FINANCIAL OFFICER) OR THE CEO
(CHIEF EXECUTIVE OFFICER)

INDENTURE TRUSTEE ACT OF 1939 EXPLAINS THE LAWFUL

DUTIES YOU CAN TELL THE TRUSTEE TO DO ON YOUR BEHALF
AS THE BENEFICIARY.

ATTACHED IS AN EXAMPLE DOCUMENT FOR SANTANDER

CONSUMER TRUSTEE AGREEMENT
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HOW TO ENDORSE A
PROMISSORY NOTE

SANTANDER CONSUMER TRUSTEE AGREEMENT

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HOW TO ENDORSE A
PROMISSORY NOTE

BENEFICIARY DEFINITION
THE ENJOYMENT OF ALL WILLS, CONTRACTS, AND TRUST
A PERSON OR THING THAT RECEIVES HELP OR AN ADVANTAGE
FROM SOMETHING : ONE THAT BENEFITS FROM SOMETHING. THE
MAIN BENEFICIARIES OF THESE ECONOMIC REFORMS. 2. A. LAW
: THE PERSON DESIGNATED TO RECEIVE THE INCOME OF AN
ESTATE THAT IS SUBJECT TO A TRUST

SECURITY EXCHANGE ACT OF 1934

THE SECURITIES EXCHANGE ACT OF 1934 REGULATES
SECONDARY FINANCIAL MARKETS TO ENSURE A TRANSPARENT
AND FAIR ENVIRONMENT FOR INVESTORS. IT PROHIBITS
FRAUDULENT ACTIVITIES, SUCH AS INSIDER TRADING, AND
ENSURES THAT PUBLICLY TRADED COMPANIES MUST DISCLOSE
IMPORTANT INFORMATION TO CURRENT AND POTENTIAL
SHAREHOLDERS.

COMPANIES ARE HELD ACCOUNTABLE FOR DISCHARGE OF DEBT

AND CANCELLATION OF DEBT,

EVERY COMPANY HAS A REPRESENTATIVE AND LETTERS SHOULD

BE ADDRESSED ACCORDINGLY, SEND THE ENDORSED SECURITY
TO THE INDENTURED TRUSTEE WHICH IS NORMALLY A BANK,
AND ADDRESS IT TO THE REPRESENTATIVE OF THE TRUSTEE
AND THE SECURITIES.

STEP 2: HOW TO ENDORSE A PROMISSORY NOTE

REPRINT THE CONTRACT ON LINEN PAPER
SOUTH HAMPTON LINEN PAPER 30 WEIGHT OR BELOW
(NOTHING THIVKER)
PAPER CAN BE FOUND AT WALMART, AMAZON, OR OFFICE
SUPPLY STORES
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HOW TO ENDORSE A
PROMISSORY NOTE
STEP 2: HOW TO ENDORSE A PROMISSORY NOTE (CONT)
WHAT IS THE CONTRACT THAT SHOULD BE REPRINTED?

WHEN WE MENTION CONTRACT IT MEANS THE BILL STATEMENT

OR ORIGINAL CERTIFICATE OF INDEBTEDNESS (CAR CONTRACT,
MORTGAGE, ETC)

HERES A FEW EXAMPLES OF THE CONTRACTS WE’RE

MENTIONING:

THIS IS ONLY THE

FIRST PAGE OF A CAR
CONTRACT REPRINTED
ON BOND PAPER. YOU
MUST PRINT OUT ALL
PAGES OF THE CAR
CONTRACT. FOR A
BILL STATEMENT SEE
THE NEXT PAGE.
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HOW TO ENDORSE A
PROMISSORY NOTE
STEP 2: HOW TO ENDORSE A PROMISSORY NOTE (CONT)
HERES A FEW EXAMPLES OF THE CONTRACTS WE’RE
MENTIONING:

TOP HALF IS
THE BOND.

THIS IS AN EXAMPLE
OF A BILL
STATEMENT AND
THIS SHOULD BE
REPRINTED ON BOND
PAPER. THIS IS A
SECURITY THAT CAN
BE ENDORSED.

BOTTOM
HALF IS THE
SECURITY.
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HOW TO ENDORSE A
PROMISSORY NOTE

STEP 3: HOW TO ENDORSE A PROMISSORY NOTE

ORDER A RESTRICTIVE ENDORSEMENT STAMP, 1-1/2 X 4
HERES A LINK TO A WEBSITE WHERE YOU CAN ORDER YOURS:

ENDORSEMENT STAMP

THIS IS THE STAMP YOU’LL NEED TO ORDER:

STEP 4: HOW TO ENDORSE A PROMISSORY NOTE

STAMP THE UPPER LEFT HAND CORNER OF THE PROMISSORY
NOTE WITH THE RESTRICTIVE ENDORSEMENT STAMP. SEE 31
CFR 328.5 AND 328.6 FOR MORE CLARITY AS TO WHY WE
USE THIS SPECIFIC STAMP.

SIGN THE BACK LIKE A CHECK WITH THE AMOUNT OF THE

BILL STATEMENT OR CONTRACT.

FOR EXAMPLE:
WITHOUT RECOURSE PAY TO THE ORDER OF (TRUSTEE BANK)
(WRITE THE AMOUNT OF THE BILL OR CONTRACT)
FIVE HUNDRED TWENTY TWO AND 30/100 DOLLARS
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HOW TO ENDORSE A
PROMISSORY NOTE

STEP 4: HOW TO ENDORSE A PROMISSORY NOTE (CONT)

INCLUDE YOUR SIGNATURE ON THE BACK OF THE

PROMISSORY NOTE BOTH BENEFICIARY AND AUTOGRAPH
FOR EXAMPLE:
(BENEFICIARY SIGNATURE IS LOWER CASE)
john-stacey:doe (first-middle:last)
(autograph is normally cursive)
john doe
INCLUDE MEMO ACCOUNT # ON BACK OF PROMISSORY NOTE:
THIS IS THE ACCOUNT NUMBER THAT IDENTIFIES YOUR LOAN
ACCOUNT WITH THE FINANCIAL INSTITUTION.
FOR EXAMPLE: MEMO ACCOUNT #1236845987

INCLUDE THAT YOU ARE AN AGENT FOR YOUR ALL CAPS

TRUST. FOR EXAMPLE: AGENT FOR: (ALL CAPS) JOHN DOE
BY ACCOMMODATION/PRINCIPAL

STEP 5: POSTAL STAMPS

WE ARE RESPONSIBLE FOR TAXES OF THE PROMISSORY NOTE.
TAXES ARE PAID THROUGH THE POSTAL STAMPS. (THE QUEEN
GETS PAID IN TAX)
YOU CAN PURCHASE 1¢ 2¢ 5¢ 10¢ 5$ AND 10$ WORTH OF
STAMPS

ANY CONTRACTS OVER 100,000$ NEED AT LEAST 15$ WORTH

OF STAMPS ON THE CONTRACT (YOU MUST CANCEL OUT THE
STAMP, TELL THEM TO CANCEL OUT THE STAMP AT THE POST
OFFICE (YOU WILL BECOME POST MASTER) THIS WILL ALSO
INSURE THE REGISTERED SECURITY
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HOW TO ENDORSE A
PROMISSORY NOTE
STEP 5: POSTAL STAMPS (CONT)
PLACE A 10C OR TWO 5C POSTAL STAMPS ON THE LOWER
RIGHT HAND CORNER ON THE FRONT OF THE PROMISSORY
NOTE.

PLACE A 10C OR TWO 5C POSTAL STAMPS ON THE LOWER

RIGHT HAND CORNER ON THE BACK OF THE PROMISSORY
NOTE AS WELL

DEPENDING ON THE AMOUNT YOU MIGHT NEED A HIGHER

AMOUNT IN STAMPS, ANYTHING 100,000$ OR MORE SHOULD
HAVE ATLEAST 15$ IN STAMPS ALL TOGETHER.

STEP 6: ATTACH AN INSTRUCTION TO TENDER PAYMENT

LETTER AND TDA INSTRUCTION LETTER

YOU MUST GIVE THE TRUSTEE INSTRUCTIONS ON HOW YOUR

TENDER OF PAYMENT IS TO BE DEPOSITED AND USED TO
PAY OFF THE ACCOUNT REFERENCED. (TENDER PAYMENT
INSTRUCTION LETTER EXAMPLE IS ATTACHED WITHIN THIS
PRODUCT FOLDER)

YOU WILL ALSO NEED TO INCLUDE AN INSTRUCTION LETTER

ADVISING THE TRUSTEE TO WIRE THE SECURITIES TO YOUR
TDA ACCOUNT. INCLUDE THE TDA ROUTING NUMBER.
(INSTRUCTION LETTER EXAMPLE ATTACHED WITHIN THIS
PRODUCT FOLDER) (PLEASE READ FURTHER TO LEARN HOW
TO OPEN A TDA ACCOUNT)

LASTLY YOU MUST SEND THE ENDORSEMENT AS REGISTERED

MAIL THIS IS CRUCIAL TO MAKING SURE THEY RECEIVE YOUR
PAYMENT AND CAN’T CLAIM THAT THEY DIDN’T RECEIVE IT.

BE SURE TO USE AN ENVELOPE BIG ENOUGH TO FIT ALL THE

PAPERS WITHOUT FOLDING THEM.
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HOW TO ENDORSE A
PROMISSORY NOTE

EXAMPLE OF HOW YOUR ENDORSEMENT SHOULD LOOK

IN THE FRONT

RESTRICTIVE
ENDORSEME
NT STAMP

POSTAL
STAMPS
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HOW TO ENDORSE A
PROMISSORY NOTE

EXAMPLE OF HOW YOUR ENDORSEMENT SHOULD LOOK

IN THE BANK

PAY TO THE
ORDER OF
AMOUNT
BENEFICIARY
SIGNATURE
AGENT FOR
ALL CAPS
NAME
MEMO
ACCOUNT #
SIGNATURE

POSTAL
STAMPS
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HOW TO open a treasury

direct account

HOW DO I OPEN A TDA ACCOUNT?

1. OPENING A TDA ACCOUNT IS QUITE SIMPLE. ALL YOU’D
HAVE TO DO IS NAVIGATE TO THE TREASURY DIRECT
WEBSITE AND CLICK “OPEN A NEW ACCOUNT”
2. NEXT YOUR GOING TO SELECT THE “INDIVIDUAL ACCOUNT”
AND CLICK SUBMIT.
3. FILL IN ALL THE PERSONAL INFORMATION REQUIRED AND
CLICK SUBMIT.
4. SUBMIT YOUR INFO AND CREATE A CAPTION FOR
AUTHENTICITY
5. THEN YOU’LL CHOOSE A PASSWORD
6. ONCE YOUR ACCOUNT HAS BEEN CREATED GO TO THE LOG
IN PAGE
7. YOU’LL HAVE A ONE TIME PASSCODE SENT TO YOUR EMAIL
FOR FIRST TIME LOG IN
8. LOG IN USING YOUR PASSWORD
9. CONGRATS YOUR ACCOUNT HAS BEEN CREATED

IF IT DENIES YOU ACCESS DUE TO IDENTITY ISSUES YOU’LL

HAVE TO FILL OUT AN AUTHORIZATION FORM HERES A LINK:
TDA AUTHRORIZATION FORM DO NOT FILL OUT THIS FORM
UNTIL YOU ARE AT THE BANK.

WHAT WILL I USE MY ACCOUNT FOR?

USING YOUR TDA ACCOUNT IS THE PROPER WAY TO DEPOSIT
ALL REMITTANCE COUPONS, PROMISSORY NOTES, AND
FLOATING RATE NOTES.

MEDALLION SIGNATURE GUARANTEE FOR THOSE WHO WILL

NEED TO IDENTIFY THEMSELVES FOR THE TREASURY. HERES A
LIST OF A FEW BANKS THAT WILL GIVE YOU THE STAMP AND
SIGNATURE:

NAVY FEDERAL
BANK OF AMERICA
FIDELITY
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how to file 1099c

WHAT IS A 1099C? (ONLY FOR DEBTS 3 YEARS OLD)

FORM 1099-C IS A FEDERAL TAX FORM REQUIRED BY THE IRS.
LENDERS AND OTHER CREDITORS MUST SUBMIT A COPY TO THE
AGENCY AND TO TAXPAYERS WHENEVER THEY CANCEL OR
FORGIVE A DEBT WORTH $600 OR MORE. FORMS MUST BE SENT
TO TAXPAYERS BY JAN. THIS FORM ONCE FILED WILL FORGIVE
ANY DEBT THAT HAS BEEN IN EFFECT FOR MORE THAN 3
YEARS.

ITS GOOD TO INCLUDE A 1099C IN THE ENVELOPE WITH THE

PROMISSORY NOTE. THE CREDITOR WILL BE LISTED AS
WHOMEVER THE COMPANY ADVISE THEM TO PROPERLY
DISCHARGE THE DEBT.

HOW DO I FILL OUT A 1099C? GO TO 1099ONLINE.COM

CREDITOR BOX: COMPANY NAME
CREDITORS TIN: FIND COMPANIES EIN (YOU CAN DO A GOOGLE
SEARCH FOR ANY COMPANY AND FIND THEIR EIN, ITS ALSO
ON THE 10K/8K FILED WITH THE SEC)
DEBTORS TIN: YOUR SOCIAL SECURITY NUMBER
DEBTORS NAME: YOUR NAME (FILL IN YOUR ADDRESS, STATE,
AND ZIP CODE
ACCOUNT NUMBER IS THE COMPANY ASSIGNED ACCOUNT
NUMBER

BOX 1: DATE OF IDENTIFIABLE EVENT (DATE YOU SENT THE

SECURITY, OR DATE YOU REALIZED DEBT WAS TO BE CANCELLED)
BOX 2: AMOUNT OF DEBT DISCHARGED (PRINCIPLE BALANCE OF
THE ACCOUNT)
BOX 3:INTEREST IF INCLUDED (LEAVE BLANK)
BOX 4: DEBT DESCRIPTION: CAR VIN MAKE AND MODEL, LIGHT
BILL, STUDENT LOANS, HOME MORTGAGE CONTRACT/LAND INFO
BOX 5:CHECK THE BOX BECAUSE YOU ARE PERSONABLY LIABLE
FOR REPAYMENT OF DEBT
BOX 6: (REFER TO NEXT PAGE WITH IDENTIFIABLE EVENT CODES
READ THOROUGHLY) NORMALLY PEOPLE JUST USE
(H)
 EZ@IAMETERNALZION.COM

how to
file 1099c

IDENTIFIABLE
EVENT CODES
FOR BOX 6
WHEN YOU
FILL OUT THE
1099C ITS
NOTIFYING THE
BANK THAT
YOU KNOW THE
DEBT WAS
SUPPOSED TO
BE
DISCHARGED.
 EZ@IAMETERNALZION.COM

how to file 1099a

WHAT IS A 1099A? (FOR DEBTS UNDER 3 YEARS)

ON FORM 1099-A, THE LENDER REPORTS THE AMOUNT OF THE
DEBT OWED (PRINCIPAL ONLY) AND THE FAIR MARKET VALUE
(FMV) OF THE SECURED PROPERTY AS OF THE DATE OF THE
ACQUISITION OR ABANDONMENT OF THE PROPERTY.

1099A IS TO BE USED FOR DEBTS UNDER 3 YEARS. THEY CAN

BE USED AS TENDER OF PAYMENT BUT MORE EFFECTIVE WHEN
APPLIED ALONG WITH AN ENDORSEMENT OF A CONTRACT OR
BILL STATEMENT. WHEN MATCHED WITH ADVERSITY YOU WILL
HAVE TO SEND A NOTICE OF DEFAULT. (MORE INFO PROVIDED
LATER ON IN THIS BOOK)

HOW DO I FILL OUT A 1099A? GO TO 1099ONLINE.COM

CHOOSE THE 1099A FORM AND SELECT THE TAX YEAR BEFORE
WHEN FILING
ADD LENDERS NAME AND CHOOSE INDIVIDUAL
SSN: YOUR SOCIAL
FIRST NAME: first name-middle name(beneficiary
signature)
MIDDLE NAME: LEAVE BLANK
LAST NAME: Last Name BENEFICIARY (MAKE SURE THE
WORD BENEFICIARY IS ADDED IN ALL CAPS AT THE END
OF YOUR LAST NAME)
DO NOT CHECK LAST FILING
NOW FILL IN THE COMPANIES INFORMATION AS DEBTOR (8K
AND 10K SEC.GOV FORMS SHOULD HAVE COMPANIES TIN/EIN
AND ADDRESS) ATTENTION TO THE CEO
ACCOUNT NUMBER IS THE ACCOUNT WITH YOUR FINANCIAL
INSTITUTION

BOX 1: DATE OF ABANDONMENT IS WHEN THE ACCOUNT WAS

OPENED
BOX 2: PRINCIPAL BALANCE (CURRENT PAY OFF AMOUN)
BOX 4: MARKET VALUE OF PROPERTY (VEHICLE OR HOME)
BOX 5: LEAVE UNCHECKED
BOX 6: VEHICLE VIN, OR HOME ADDRESS ETC
 EZ@IAMETERNALZION.COM

WHERE DO I SEND MY 1099A

AND 1099C FORMS?
SEND 1099 A COPY B FORMS TO TRUSTEE AND COMPANY
HEADQUARTERS
AFTER FILING WITH 1099ONLINE ALSO BE SURE TO PURCHASE
THE OPTION TO SEND BY MAIL, ONCE YOU’VE RECEIVED
NOTICE THAT THE IRS HAS ACCEPTED THE 1099A FORMS SEND
A COPY TO THE INDENTURE TRUSTEE AND THE COMPANY
HEADQUARTERS.

ITS IMPORTANT TO NOTE THAT CREDIT UNIONS DO NOT REPORT

TO THE SEC.GOV. CREDIT UNIONS REPORT TO THE NATIONAL
CREDIT UNION ADMINISTRATION.

YOU SHOULD ALSO NOTE THAT BANKS ARE CONSIDERED TO BE

THEIR VERY OWN TRUSTEE SO NO NEED SEARCHING FOR AN
INDENTURE AGREEMENT. JUST USE THE BANKS 10K FORM TO
LOCATE THEIR SECURITIES HEADQUARTERS FOR ALL
PROMISSORY NOTES DEALING WITH THAT ASSOCIATION.

SEND COVER LETTER ALONG WITH 1099A FORM

YOU’LL WANT TO NOTIFY THE TRUSTEE THAT YOU ARE AWARE

THAT THEY ARE SUPPOSED TO DISCHARGE THE DEBT AND THE
1099A FORM YOU FILED SHOULD REFLECT THE ACCOUNT. WE
HAVE ATTACHED AN EXAMPLE COVER LETTER ALONG WITH THE
FILES OF THIS BOOK TO YOUR CONVENIENCE AND REFERENCE.

SEND FILED 1099C FORMS WITH COVER LETTER

YOU’LL DO THE SAME PROCESS AS THE 1099A WHEN NOTIFYING

BOTH THE TRUSTEE AND THE FINANCIAL INSTITUTION THAT
THE DEBT IS DISCHARGED.
 EZ@IAMETERNALZION.COM

WHAT IF THEY DON’T ACCEPT MY

TENDER OF PAYMENT?
TENDER OF PAYMENT DENIED - NOTICE OF DEFAULT
SHOULD THE FINANCIAL INSTITUTION DENY YOUR TENDER OF
PAYMENT OR SIMPLY NOT RESPOND WITHIN 15 DAYS YOU HAVE
THE RIGHT TO ISSUE A NOTICE OF DEFAULT. (NOTICE OF
DEFAULT EXAMPLE LETTER IS ATTACHED WITHIN THIS
PRODUCT)

SHOULD THEY CONTINUE TO DENY YOUR PAYMENT OR IGNORE

YOUR ATTEMPTS AT DISCHARGING YOUR DEBT, YOU’LL WANT
TO EXERCISE FEDERAL RESERVE ACT 29 - CIVIL MONEY
PENALTIES. BEGIN AT TIER 1 AND FOR EACH 15 DAYS THAT
PASS, GO UP TO TIER 2, AND SHOULD IT ESCALATE GO TO
TIER 3. AT THIS POINT YOU HAVE A LAWSUIT AND CAN FILE A
PETITION AGAINST THE COMPANY AS WELL AS PLACE A UCC
LIEN OF THE AMOUNT YOU’VE CALCULATED. NORMALLY THIS IS
AVOIDED AS REMEDY IS GRANTED AFTER A FEW ATTEMPTS TO
PUT THEM ON NOTICE.

FEDERAL RESERVE ACT - SECTION 29 CIVIL MONEY

PENALTIES

(A) FIRST TIER.

ANY MEMBER BANK WHICH, AND ANY INSTITUTION-AFFILIATED
PARTY (WITHIN THE MEANING OF SECTION 3(U) OF THE
FEDERAL DEPOSIT INSURANCE ACT) WITH RESPECT TO SUCH
MEMBER BANK WHO, VIOLATES ANY PROVISION OF SECTION
22, 23A, OR 23B, OR ANY REGULATION ISSUED PURSUANT
THERETO, SHALL FORFEIT AND PAY A CIVIL PENALTY OF NOT
MORE THAN $5,000 FOR EACH DAY DURING WHICH SUCH
VIOLATION CONTINUES.
 EZ@IAMETERNALZION.COM

WHAT IF THEY DON’T ACCEPT MY

TENDER OF PAYMENT?
FEDERAL RESERVE ACT - SECTION 29 CIVIL MONEY
PENALTIES (CONT)
(B) SECOND TIER. NOTWITHSTANDING SUBSECTION (A), ANY
MEMBER BANK WHICH, AND ANY INSTITUTION-AFFILIATED PARTY
(WITHIN THE MEANING OF SECTION 3(U) OF THE FEDERAL
DEPOSIT INSURANCE ACT) WITH RESPECT TO SUCH MEMBER BANK
WHO
A. COMMITS ANY VIOLATION DESCRIBED IN SUBSECTION (A);
B. RECKLESSLY ENGAGES IN AN UNSAFE OR UNSOUND
PRACTICE IN CONDUCTING THE AFFAIRS OF SUCH MEMBER
BANK; OR
C. BREACHES ANY FIDUCIARY DUTY;
1. WHICH VIOLATION, PRACTICE, OR BREACH--
A. IS PART OF A PATTERN OF MISCONDUCT;
B. CAUSES OR IS LIKELY TO CAUSE MORE THAN A MINIMAL
LOSS TO SUCH MEMBER BANK; OR
C. RESULTS IN PECUNIARY GAIN OR OTHER BENEFIT TO SUCH
PARTY,
SHALL FORFEIT AND PAY A CIVIL PENALTY OF NOT MORE THAN
$25,000 FOR EACH DAY DURING WHICH SUCH VIOLATION,
PRACTICE, OR BREACH CONTINUES.

(C) THIRD TIER. NOTWITHSTANDING SUBSECTIONS (A) AND (B),

ANY MEMBER BANK WHICH, AND ANY INSTITUTION-AFFILIATED
PARTY (WITHIN THE MEANING OF SECTION 3(U) OF THE FEDERAL
DEPOSIT INSURANCE ACT) WITH RESPECT TO SUCH MEMBER BANK
WHO--
1. KNOWINGLY--
A. COMMITS ANY VIOLATION DESCRIBED IN SUBSECTION (A);
B. ENGAGES IN ANY UNSAFE OR UNSOUND PRACTICE IN
CONDUCTING THE AFFAIRS OF SUCH CREDIT UNION; OR
C. BREACHES ANY FIDUCIARY DUTY; AND
2. KNOWINGLY OR RECKLESSLY CAUSES A SUBSTANTIAL LOSS TO
SUCH CREDIT UNION OR A SUBSTANTIAL PECUNIARY GAIN OR
OTHER BENEFIT TO SUCH PARTY BY REASON OF SUCH
VIOLATION, PRACTICE, OR BREACH,
SHALL FORFEIT AND PAY A CIVIL PENALTY IN AN AMOUNT NOT
TO EXCEED THE APPLICABLE MAXIMUM AMOUNT DETERMINED
UNDER SUBSECTION (D) FOR EACH DAY DURING WHICH SUCH
VIOLATION, PRACTICE, OR BREACH CONTINUES.
 EZ@IAMETERNALZION.COM

WHAT IF THEY DON’T ACCEPT MY

TENDER OF PAYMENT?
FEDERAL RESERVE ACT - SECTION 29 CIVIL MONEY
PENALTIES (CONT)
(D) MAXIMUM AMOUNTS OF PENALTIES FOR ANY VIOLATION
DESCRIBED IN SUBSECTION (C). THE MAXIMUM DAILY AMOUNT OF
ANY CIVIL PENALTY WHICH MAY BE ASSESSED PURSUANT TO
SUBSECTION (C) FOR ANY VIOLATION, PRACTICE, OR BREACH
DESCRIBED IN SUCH SUBSECTION IS--
1. IN THE CASE OF ANY PERSON OTHER THAN A MEMBER BANK,
AN AMOUNT TO NOT EXCEED $1,000,000; AND
2. IN THE CASE OF A MEMBER BANK, AN AMOUNT NOT TO
EXCEED THE LESSER OF --
A. $1,000,000; OR
B. 1 PERCENT OF THE TOTAL ASSETS OF SUCH MEMBER BANK.

KEEP TRACK OF EACH DAY AND HOW MUCH EACH TIER

ACCUMULATES
IF YOU DON'T HOLD THESE COMPANIES ACCOUNTABLE THEY WILL
CONTINUE TO GET AWAY WITH SECURITIES FRAUD. ITS OUR
RESPONSIBILITY TO PUT THEM ON NOTICE. WE’VE INCLUDED A
MULTITUDE OF LETTER EXAMPLES TO HELP MAKE THIS PROCESS
MORE EASIER TO NAVIGATE.
 EZ@IAMETERNALZION.COM

file a ucc lien on your

assets
CONDUCT A UCC-11 SEARCH
IN ORDER TO OBTAIN A COPY OF YOUR UCC-11 SEARCH NAVIGATE
YOUR WAY TO THE SECRETARY OF STATE IN WHICH YOU
OBTAINED YOUR ASSET.
CREATE AN ACCOUNT WITH YOUR SECRETARY OF STATE AND
SEARCH YOUR NAME. NORMALLY TO HAVE A CERTIFIED
SEARCH DONE IT WILL COST A SMALL FEE. ONCE YOU OBTAIN
IT DOWNLOAD AND KEEP IT IN YOUR FILES.

AFTER YOU’VE OBTAINED YOUR UCC-11 YOU’LL SEE THERE IS

NO UCC PLACED ON YOUR NAME. NOW YOU WILL FILE A UCC
ON YOUR ASSETS.
LOG INTO YOUR SECRETARY OF STATE ACCOUNT AND CLICK
“FILE A LIEN” REMEMBER IT DIFFERS BY EACH STATE

FILE A UCC LIEN ON YOUR PROPERTY - CAR, HOUSE, ETC

FILING A UCC FINANCING STATEMENT IS A KEY STEP IN

PERFECTING A SECURITY INTEREST. HERE’S A SIMPLIFIED
GUIDE TO THIS PROCESS:

IDENTIFY THE COLLATERAL: CLEARLY IDENTIFY THE

COLLATERAL. THE DESCRIPTION SHOULD BE SPECIFIC
ENOUGH TO MAKE IT IDENTIFIABLE TO THIRD PARTIES.
COMPLETE THE UCC-1 FINANCING STATEMENT FORM: THIS
FORM REQUIRES INFORMATION ABOUT THE DEBTOR, THE
SECURED PARTY, AND THE COLLATERAL. ACCURACY HERE IS
CRUCIAL.
DEBTOR INFORMATION: INCLUDE THE DEBTOR'S LEGAL NAME
AND ADDRESS. (THIS IS YOUR TRUST ALL CAPS NAME)
SECURED PARTY INFORMATION: PROVIDE THE LEGAL NAME
AND ADDRESS OF THE SECURED PARTY. (THIS IS YOUR
BENEFICIARY SIGNATURE LOWER CASE FIRST NAME-MIDDLE
NAME:LAST NAME)
DESCRIBE THE COLLATERAL: PROVIDE A DETAILED
DESCRIPTION OF THE COLLATERAL. FOR A VEHICLE INCLUDE
VIN, MAKE, AND MODEL. FOR A HOUSE INCLUDE ADDRESS,
COORDINATES, ETC.
 EZ@IAMETERNALZION.COM

file a ucc lien on your

assets

FILE A UCC LIEN ON YOUR PROPERTY - CAR, HOUSE, ETC

A UCC-11 SEARCH (CONT)

FILE WITH THE APPROPRIATE OFFICE: TYPICALLY, THE

UCC-1 IS FILED IN THE STATE WHERE THE DEBTOR IS
LOCATED. FOR REGISTERED ORGANIZATIONS, FILE IN
THE STATE OF INCORPORATION OR ORGANIZATION. FOR
INDIVIDUALS, FILE IN THEIR STATE OF RESIDENCE.
PAY THE FILING FEE: FILING FEES VARY BY STATE AND
MUST BE PAID TO COMPLETE THE PROCESS.
AWAIT CONFIRMATION: ONCE FILED, THE FILING OFFICE
WILL TYPICALLY SEND A CONFIRMATION. THIS IS YOUR
PROOF OF FILING.
MONITOR AND MAINTAIN THE FILING: UCC FINANCING
STATEMENTS GENERALLY LAST FOR FIVE YEARS. THEY
CAN BE EXTENDED BY FILING A CONTINUATION
STATEMENT.

THE UCC IS PROOF THAT YOU OWN THE COLLATERAL

THE STATE UCC IS THE HIGHEST FORM OF SECURITY

INTEREST. ONCE YOU SHOW PROOF THAT YOU ARE INDEED
THE OWNER OF THE PROPERTY YOU CAN OBTAIN THE
MANUFACTURED CERTIFICATE OF ORIGIN FOR ANY VEHICLE.
THAT WILL THEN ALLOW YOU TO RECEIVE THE TITLE.
THE DEALERSHIP NORMALLY OWNS THE MCO IF ITS A NEW
CAR, HOWEVER IF ITS USED YOU WILL HAVE TO DO A
SEARCH HISTORY ON WHO OWNED THE CAR BEFORE AND THE
ORIGINAL PURCHASE. YOU CAN ALSO CALL THE
MANUFACTURER. YOU CAN THE ORDER THE TITLE FROM THE
DMV.

AS FOR A MORTGAGE ITS THE SAME PROCESS EXCEPT

YOU’LL GET THE TITLE FROM THE COUNTY CLERK'S OFFICE,
ALSO CALLED THE REGISTRAR/RECORDER OFFICE OF THE
STATE COUNTY WHERE THE PROPERTY IS LOCATED. JUST
SHOW PROOF THAT YOU OWN IT WITH A COPY OF THE UCC
FILING AND PROOF THERE WAS NO PREVIOUS UCC LIEN BY
SHOWING THE UCC-11 SEARCH.
 EZ@IAMETERNALZION.COM

billing error

WHAT IS A BILLING ERROR

A BILLING ERROR REFERS TO ANY MISTAKE OR DISCREPANCY
ON A STATEMENT OF CHARGES FOR PRODUCTS OR SERVICES
RENDERED. IT'S AN INACCURACY THAT CAN RESULT IN THE
INCORRECT AMOUNT BEING CHARGED TO A CUSTOMER'S
ACCOUNT, WHETHER IT'S A CREDIT CARD, UTILITY BILL, OR
OTHER TYPES OF ACCOUNTS. HERE ARE VARIOUS FORMS AND
COMMON EXAMPLES OF BILLING ERRORS:

EXAMPLES OF BILLING ERRORS

1. UNAUTHORIZED CHARGES: CHARGES FOR GOODS OR

SERVICES YOU DIDN'T AGREE TO OR THAT WEREN'T
DELIVERED AS AGREED. THIS CAN INCLUDE:
CHARGES FOR ITEMS YOU NEVER RECEIVED.
CHARGES FOR SERVICES YOU DECLINED OR CANCELED.
2. INCORRECT AMOUNTS: BEING CHARGED MORE OR LESS
THAN THE AGREED-UPON AMOUNT FOR A PRODUCT OR
SERVICE. FOR EXAMPLE:
A $100 ITEM BEING BILLED AS $150.
A DISCOUNT OR PROMOTION NOT BEING APPLIED
CORRECTLY.
3. DUPLICATE CHARGES: BEING BILLED MULTIPLE TIMES FOR
THE SAME ITEM OR SERVICE.
4. ERRONEOUS FEES OR SURCHARGES: BEING CHARGED FEES
THAT WEREN'T DISCLOSED OR THAT DON'T APPLY TO YOUR
TRANSACTION.
5. MATHEMATICAL ERRORS: MISTAKES IN ADDING,
SUBTRACTING, OR APPLYING TAXES.
6. FAILURE TO POST PAYMENTS OR CREDITS: PAYMENTS OR
CREDITS TO YOUR ACCOUNT AREN'T REFLECTED IN THE
BILLING STATEMENT.
7. INCORRECT ACCOUNT DETAILS: CHARGES APPEARING ON
THE WRONG ACCOUNT OR BILLS SENT TO THE WRONG
ADDRESS.
8. SERVICES NOT RENDERED: CHARGES FOR SERVICES THAT
WERE NOT PROVIDED OR CANCELED, SUCH AS A MONTHLY
SUBSCRIPTION.
 EZ@IAMETERNALZION.COM

billing error

EXAMPLES OF BILLING ERRORS

9.LATE FEES OR INTEREST CHARGES: INCORRECTLY APPLIED
DUE TO BILLING MISTAKES OR MISAPPLIED PAYMENTS.
10.MISAPPLIED PAYMENTS: PAYMENTS NOT APPLIED TO THE
CORRECT ACCOUNT OR NOT ACKNOWLEDGED AT ALL.

WHAT TO DO IF YOU ENCOUNTER A BILLING ERROR:

1. REVIEW STATEMENTS REGULARLY: ALWAYS CHECK YOUR

BILLING STATEMENTS PROMPTLY AND THOROUGHLY.
2. CONTACT THE COMPANY: NOTIFY THE COMPANY OF THE
ERROR AS SOON AS POSSIBLE. MOST BUSINESSES HAVE
PROCEDURES FOR CORRECTING BILLING ERRORS.
3. DOCUMENT COMMUNICATION: KEEP A RECORD OF ALL
COMMUNICATIONS REGARDING THE DISPUTE, INCLUDING
DATES, TIMES, AND THE NAMES OF CUSTOMER SERVICE
REPRESENTATIVES.
4. FOLLOW UP: IF THE ISSUE ISN'T RESOLVED, FOLLOW UP
REGULARLY UNTIL IT IS.
5. KNOW YOUR RIGHTS: IN MANY COUNTRIES, CONSUMERS
HAVE LEGAL PROTECTIONS AGAINST BILLING ERRORS,
ESPECIALLY WITH CREDIT CARD CHARGES. FOR INSTANCE,
THE U.S. FAIR CREDIT BILLING ACT PROVIDES SPECIFIC
RIGHTS AND PROCEDURES FOR DISPUTING BILLING
ERRORS.
PREVENTION
CLEAR AGREEMENTS: ENSURE ALL FEES AND CHARGES ARE
CLEARLY DISCUSSED AND AGREED UPON BEFOREHAND.
REGULAR MONITORING: REGULARLY REVIEW ACCOUNT
STATEMENTS AND IMMEDIATELY ADDRESS ANY
DISCREPANCIES.
EDUCATE CUSTOMERS: INFORM CUSTOMERS ABOUT HOW
THEY CAN CHECK THEIR BILLS AND THE PROCESS FOR
REPORTING ERRORS.
 EZ@IAMETERNALZION.COM

billing error

WE ARE ALL VICTIMS OF BILLING ERROR

BILLING ERRORS CAN BE A SOURCE OF FRUSTRATION FOR

BOTH CUSTOMERS AND BUSINESSES. ADDRESSING THEM
PROMPTLY AND EFFICIENTLY IS CRUCIAL FOR
MAINTAINING TRUST AND CUSTOMER SATISFACTION. IF
YOU'RE A BUSINESS, HAVING A CLEAR AND EFFICIENT
PROCESS FOR HANDLING SUCH ERRORS IS ESSENTIAL,
AND IF YOU'RE A CONSUMER, KNOWING YOUR RIGHTS AND
MONITORING YOUR ACCOUNTS CAN HELP PROTECT YOU
AGAINST THESE ERRORS.

WE HAVE ALL BEEN EXPERIENCING BILLING ERRORS

SINCE THE BEGINNING OF OUR FINANCIAL CONTRACTS
INCLUDING PHONE BILLS, ELECTRIC BILL, WATER BILL,
ETC. THEY CAN ALL BE DISCHARGED AND WITH A BILLING
ERROR LETTER TO THE FINANCIAL INSTITUTION YOU CAN
RECIEVE ALL PROCEEDS THAT YOU’VE PAID INTO THE
ACCOUNT.

USE THE SAME DISCHARGE METHOD YOUD USE WITH A

PROMISSORY NOTE.

ATTACHED WITHIN THIS PRODUCT IS A BILLING ERROR

EXAMPLE YOU’D SEND TO THIS TO THE COMPANY
HEADQUARTERS WHILE SENDING THE ENDORSEMENT TO
THE INDENTURE TRUSTEE.
 EZ@IAMETERNALZION.COM

recap of how to discharge

debt

HOW TO STAMP, ENDORSE, AND SEND BILL STATEMENT

OR CONTRACT

REPRINT THE STATEMENT OR CONTRACT ON BONDED PAPER

STAMP ENDORSEMENT IN THE TOP LEFT HAND CORNER WITH

RESTRICTIVE ENDORSEMENT STAMP.

SIGN THE BACK OF THE ENDORSEMENT LIKE A CHECK WITH

BENEFICIARY SIGNATURE, PAY TO THE ORDER OF, AMOUNT
OF THE STATEMENT OR CONTRACT, AUTOGRAPH, AGENT FOR:
(ALL CAPS NAME) BY ACCOMMODATION/PRINCIPLE

USE A POSTAL STAMP IN THE FRONT BOTTOM RIGHT CORNER

OF THE SECURITY AND THE BACK BOTTOM RIGHT CORNER OF
THE SECURITY

FIND THE INDENTURE TRUSTEE OF THE FINANCIAL ACCOUNT

SEARCH (COMPANY NAME) 10K OR 8K SEC.GOV YOU CAN ALSO
SEARCH (COMPANY NAME) INDENTURE TRUSTEE AGREEMENT
SEC.GOV. REGULAR GOOGLE SEARCH SHOULD WORK. THE
TRUSTEE IS NORMALLY A BANK

ONCE YOU FIND THE ADDRESS USE THE TENDER

INSTRUCTIONS TEMPLATE AND USE THE TREASURY
INSTRUCTIONS TEMPLATE ATTACHED WITH THIS PRODUCT AND
FILL IN YOUR INFORMATION

ATTACH THE ENDORSEMENT ALONG WITH THE INSTRUCTION

LETTERS IN A BIG ENVELOPE AND ADDRESS EACH DOCUMENT
TO THE INDENTURE TRUSTEE. MAKE SURE YOU INCLUDE
(ATTENTION TO) WHOMEVER THE CEO OR CFO OF THE
COMPANY IS.

SEND ALL DOCUMENTS REGISTERED MAIL AND BE SURE TO

GET THE POSTAL STAMPS ON THE SECURITY CANCELED
BEFORE MAILING IT OFF THAT WAY YOUR STAMPS CAN’T BE
REUSED.
 EZ@IAMETERNALZION.COM

sources

HTTPS://SCRIBD.COM
THIS WEBSITE HAS A PLETHORA OF DOCUMENTS AND MANY
RESOURCES FOR DISCHARGING DEBT, UNIFORM COMMERCIAL
CODE, AND SO MUCH MORE.

HTTPS://1099ONLINE.COM
THIS WEBSITE WILL HELP FILE ANY 1099 FORM ONLINE. THIS
MAKES IT EASIER TO SEND A CERTIFIED 1099 TO THE IRS
WITHOUT ANY COMPLICATIONS.

HTTPS://SEC.GOV
THE SEC.GOV IS THE SECURITIES AND EXCHANGE COMMISION. IT
HAS ALL THE INFORMATION ON THE COMAPNIES THAT FILE
SECURITIES.

HTTPS://ADOBE.COM/ADOBEACROBAT

ADOBE ACROBAT IS THE ULTIMATE PROGRAM THAT YOU CAN USE

TO EDIT PDFS AND CERTAIN DOCUMENTS. USE THIS TO EDIT THE
LETTERS ATTACHED IN THIS PRODUCT.

HTTPS://CHAT.OPENAI.COM
CHAT GPT IS A GREAT RESOURCE FOR RESEARCHING AS IT
SCOURS THE INTERNET FOR ANSWERS.

FEDERAL RESERVE ACT

THE FEDERAL RESERVE ACT IS A VERY IMPORTANT ACT TO READ

THOROUGHLY.