Showing posts with label Discover Card. Show all posts
Showing posts with label Discover Card. Show all posts

Thursday, April 7, 2011

How I beat Discover Card

I had my day in court on April 5, 2011 – just two days ago. It took less than 60 seconds for the judge to dismiss the $7,700 lawsuit my credit card company tried to slap me with.

But the circumstances of my victory were rather suspect.

I arrived in the courtroom at 9 AM, and waited for my turn before the judge. Just outside the courtroom, taped to a wall, was a printout listing the order of appearances, with my case being # 8 out of about 80. So I thought, “This is great. I won’t have to wait here for hours.”

So I waited and listened to the preceding cases. None of this was new to me, since I’d last been in this same courtroom before this same judge back in November. But this time was supposed to be different. After all, I had a “trial date.” So the preliminaries were all out of the way and I was waiting my turn to go all Perry Mason before the judge and opposing attorney.

That’s right…I was representing myself since I basically don’t trust lawyers and am too poor to hire one. Also, I doubted any properly schooled lawyer would have agreed to pursue my preferred lines of defense.

April 5 was supposed to be different but it looked the same as back in November. Each case before the judge was processed in very rapid fire fashion. So I thought, “I’ve prepared a wide variety of detailed arguments covering more than 30 pages of written material. There’s no way I can argue my case in just a few minutes – unless the judge expects me to speak really, really fast. And if the judge gives me the amount of speaking time warranted by my defense, she won’t have time to hear all of those other cases scheduled for today. What gives?”

I didn’t have long to ponder all this, as the clerk called my name; so I walked up to the bench with my sheaf of papers in hand. Plaintiff’s attorney said she had arranged for a witness to appear but this person couldn’t make it. “Huh?” I thought, “What the frick do you need a witness for?”

The judge asked, “Did you notify defendant about this witness?” Without waiting for an answer, the judge asked me, “Were you notified about this witness?” Both of us answered, “No.” The judge said, “Case dismissed… (looking at me)…you win.”

Then the judge added, while still looking at me, “Sometimes to win, all you have to do is show up.”

And that was that.

And then I started thinking as I made my dazed way home. How does my opponent’s law firm fail to notify me of the intended appearance of a witness? That’s a fundamental mistake – if indeed, it was a mistake. And why would any kind of witness be necessary in the first place? The case against me was cut-and-dried: I had stopped making monthly payments on my credit card almost two years ago, so I got sued to recover the balance due (with interest, of course).

I could only think that some kind of expert witness had been hired to refute some of my more exotic arguments. But then I thought, “That’s bullshit. I’m sure there wasn’t any witness at all.”

The best I can come up with: My opponent was afraid of one of my motions to dismiss, which had been submitted in writing back in November. This is too precious to paraphrase, so I’ll quote this in its entirety:


* * * * * * * * * *

Motions to Dismiss

[submitted to the Court and to
Discover Bank’s lawyers in November, 2010]


First Motion to Dismiss: SEARLE hereby moves that this case be dismissed due to dereliction of duty by Plaintiff’s attorneys … to inform the US Internal Revenue Service as indicated in the [following] quoted statement... Since I have not been contacted by the IRS, since informing Plaintiff’s attorneys (before July 1, 2010, via Certified Mail), it’s obvious they failed in their duty as an officer of the court to inform the IRS of my legal transgression.


QUOTE:

Suppose you win a judgment against me. Another quote from my enclosure covers this possibility:  “Besides, if you do win, I will notify [the] IRS of my failure to file federal income tax returns for the past 7 years. When IRS wins a judgment against me, there won’t be anything left for you.”

My last quote raises an interesting dilemma for Weltman, Weinberg & Reis [Plaintiff’s attorneys]. As members of the legal profession (officers of the court), you are now obligated to immediately contact the IRS and inform them of my violation of federal law. However, doing this will derail any attempt you might make to collect money from me for your client, Discover Bank. By the way, your client already knows I haven’t filed federal tax returns … but they don’t have the same obligation as do you to inform the IRS.

:UNQUOTE.


Since Weltman et al has behaved in a manner inconsistent with that expected of officers of the court, they should not only be disqualified from representing DISCOVER BANK, but should be held in Contempt of Court as well.


* * * * * * * * *

To summarize:

In my humble opinion, my opponent’s law firm persuaded its client, Discover Card, to drop the suit against me. And then they sabotaged their case by creating a fictitious witness of whom I was not notified in advance. Not only was the law firm on the verge of a Contempt of Court citation but perhaps Discover Card could have been ensnared in that net as well. I can only speculate as to why my opponents (intentionally?) blew this case so badly. But I think what I’ve laid out here is as good an explanation as any.


What now?

Will I continue to make payments to the United Negro College Fund instead of to Discover Card? As far as our judicial system is concerned, Discover Bank blew its chance in court and I don’t owe them a thing. However, I gave my word.

[I hope Barack Obama is paying attention to this part.]

I gave my word that I had stopped making my Discover Card monthly payments because I thought those payments should be redirected as Reparations payments owed by Discover Bank to Black Americans whose ancestors had been exploited by the Trans-Atlantic Slave Trade. I still feel that way.

However, there is still the matter of how much I still owe. Discover Card’s lawsuit indicated a debt of $7,700, of which I’ve redirected about $1,000* to the United Negro College Fund. I could rationalize that my “true” debt to Discover is a lot less than $7,700 since that amount consists of a lot of accumulated interest which I claim to be usurious.

Ah, that ugly word “usury.” Yes, part of my defense was a challenge to legalized usury. I was claiming that Discover had charged an exorbitant (though “legal”) interest rate on my account for years. So how much interest do I think I should have been charged? To be honest, I can’t do that calculus. I feel 18% is a reasonable rate of interest but I can’t unravel how much “unreasonable” interest had made its way into my $7,700 balance.

To add to my confusion is another factor: How much in the way of Reparations payments do I personally owe, irrespective of how much I think Discover Bank owes? That’s an even tougher calculus. But I concede this much: I owe a great deal to my Black brothers and sisters whose slave ancestors helped create the wealth that has given me so many advantages in life as a White American. I could never put a dollar amount on that, so instead I offer this much:

I will dedicate myself to creating that better world (starting here, in the good old US of A) which will help atone for the wrongs of the past. I’m not a seer or prophet but I can see this much: My efforts will not make for an easy life for myself, but they will help to make an easier conscience. Because I tried.


Steven Searle for US President in 2012
Founder of The Independent Contractors’ Party
“Compare these two ideas: Change you can believe in versus A man whose word is so good, you don’t have to believe – just take it to the bank.”

  * “redirected about $1,000 to” – To be accurate, that amount is my best guess (off the top of my head), which covers Reparations Payments made not only on behalf of Discover Card but also on behalf of my other creditor – Barclays Bank Visa card (which, much earlier, decided not to bring me to court).


Contact me at: bpa_cinc@yahoo.com

Friday, November 26, 2010

Date with Destiny: Part II

I really thought I’d be in jail by this time instead of writing this blog. My last post speculated how I might have ended up being cited for Contempt of Court three days ago.

Yes, I stood before the judge. But…the whole purpose of this day in court was to meet my credit card’s attorney to see if we could negotiate a settlement. I didn’t know that – I was prepared to channel Perry Mason and defend as best I could.

We met out in the hall, out of earshot of the judge who was tending to other matters. The attorney was a young, energetic black man dressed in a suit straight out of GQ. He was sharp as a tack but very nice. Our meeting was brief and I ended up telling him, “I would rather go to jail than pay Discover Card even one thin dime. In fact, my current situation with the Internal Revenue Service (as confessed in writing before this court) could well serve to make that happen.”

So we shook hands and I went back into the courtroom. My name was announced about 10 minutes later, so I (acting as my own lawyer) walked up to the judge. Next to me stood another attorney for Discover Card – an attractive young woman in her mid-thirties. The judge said my legal brief was the most unusual and interesting she’d read in a while. And the attractive and (as it turned out) pleasant attorney said, “I couldn’t put it down.”

Our meeting at the bench was brief, with a trial date set for April 5. The judge offered an observation concerning one of my arguments, saying [in effect]: “If you try to argue that you (as a first party) paying a third party, to whom a second party owes money, is effectively the same as paying a debt you owe that second party, that argument won’t wash.”

Of course that was a reference to me donating money to the United Negro College Fund, instead of paying my monthly credit card payment. My claim is that Discover Card (as well as other financials) owes payments in the form of Reparations for having benefitted from the Trans-Atlantic Slave Trade. Discover owes and isn’t paying, so I decided to redirect my monthly payments to the UNCF on behalf of Discover Card (without their authorization to do so, by the way).

I basically told the judge, “I’ll take my chances.”


While sitting in the gallery awaiting my turn…

When I arrived outside courtroom 1106, I was amazed to see a printout taped to the wall listing well over 100 cases to be heard on this date. I thought, “OMG, I’ll be here all day!”

But, lo and behold, each case was being processed in rapid fire succession. A few words were mumbled at the bench and then the clerk date-stamped documents to indicate closure. I thought, “So what’s going on here? Is this a rubberstamping operation?”

In one case, the judge explained to a defendant:

“If I borrow money to buy a $100,000 house, I don’t get to pay back just $100,000. It’s more like $300,000.”

I thought: “Usury. Too bad these defendants, and millions more like them, didn’t have any say-so in setting upper limits to interest rates. Their lawmakers were bought off by the banks long ago.”

I hung around for a bit after my session with the judge ended. I was kind of hoping two people would show up: Representatives from two local weekly newspapers – the Chicago Reader (mostly for young liberals, with a focus on night life) and the Chicago Defender (an institution in the Black community for decades). Two weeks prior to my court date, I’d sent them a detailed e-mail (which neither bothered to answer) with this subject line:

Black Reparations lawsuit going to court

That was an attention-grabber, I supposed. But maybe a deal-killer (for nobody showed up) was how I closed my transmission:

Steven Searle for US President in 2012

“For those who’d supported (and been sold out by) Barack Obama, the game is over. I ask for your help in getting elected and in electing true independents to Congress. There is no other way.”

Ah, I had dissed Obama. As if I wasn’t aware that all he needs is more time. Not to mention more Congressmen who will vote with him.


“I’ll take my chances”

So why did I tell the judge “I’ll take my chances?” Why do I want to present my case in court for a full and open hearing? There are at least two good reasons:

·       I’ll have four more months to increase and fortify my written arguments;

·       I’ll have four more months to seek allies, spread the word, and try to create backlash against Discover Card which, I have discovered, isn’t beloved by all.

There is a lot of debate as to what the law is and what it isn’t. There are accusations, from time to time, leveled against activist judges who try to create law on their own. My own feeling is: The law is whatever We-the-People decide it should be, pretty much on a case-by-case basis, if We’d so decide. My personal challenge is to raise awareness among We-the-People, telling them we no longer have to tolerate credit card companies abusing us or usurious interest rates.

That’ll take some doing, since people have been cowed into submission for so long. But I believe there’s still some fight left in us. My basic argument boils down to a process of elimination:

If our [Black] President won’t lift a finger against usury or in support of Reparations;

If our Congress has been bought out by special interest groups who want to maintain the status quo;

If issues before courts are so often decided by 5-4 ideologically-driven majorities rather than by consensus arrived at by logical argumentation;

If there are no institutional forces within our country to redress the wrongs wrought by the Slave Trade and ensuing institutionalized discrimination;

If no one else is left standing to say, “Let’s do the right thing;”

Then it’s up to one man who sees what’s right and is willing to take a stand.

And if that one man can’t get a fair hearing based on the merits of his case, then who will be to blame for a ripple effect which seeks to overthrow an unfair and unresponsive system? You know the old saying about the straw that broke the camel’s back.

It would be too easy for a court of law to rule against me on narrow grounds by claiming the issues I raise are “political” and are therefore best addressed by legislators. I intend to argue that it’s quite alright for courts to be “political” if that means the interests of justice are being served. Especially, since the state and federal legislatures aren’t being “political” enough (though that’s their job) and are, instead, being evasive.

I would love for a judge to rule in my favor, just for the hell of it, even if that judge didn’t necessarily buy my arguments. [Why not? I’m sure this happens, since judges aren’t penalized for “incorrect” decisions.] This would force my opponent (Discover Card) to decide if they’d like to appeal. Right now, as things stand, mine isn’t a class action lawsuit. In fact, I’m the one being sued. However, an appeal presents several risks:

·       The risk of blowback against the corporate bottom line from negative publicity;

·       The risk that well-heeled organizations or individuals might publicize this cause or actively ally themselves with it;

·       The risk that other debtors might get uppity and decide to follow in my footsteps or perhaps even become politically active against the Big Financials;

·       The risk that Discover Card might actually lose on appeal – sometimes it’s better to cut one’s losses than to pursue further legal action.



Miscellanea from my earlier blog…

Contrary to my last blog, Judge E. Kenneth Wright, Jr. (a Black man) was not present in my courtroom. Instead, a white woman named Sheryl A. Pethers was on the bench.

None of us were asked to rise when the judge entered the courtroom, so I didn’t have to risk remaining seated.

Yes, the words “In God We Trust” decorated one of the courtroom’s walls. And I was prepared to ask the judge for permission to tape my sign (bearing one word: Buddha) over the word God. I had even stopped in Walgreen’s on the way to court to buy a tape dispenser for this purpose. But I thought better of it. I saw I’d have to stand on furniture to do this, which would give the judge a reason to say “no.” But I thought it would be too distractive to the main reason I was there.


Steven Searle for US President in 2012

“[Sigh] It’s hard to decide which battles to pick; I want to fight them all. Which is a lot more than I can say for our current President.”

Sunday, November 7, 2010

Reparations Case goes to Court: Part II

Yesterday, I made a promise: That I’d post more from my written response to the court.

RECAP from yesterday’s posting: “My trial is set for Nov. 23, 2010. I must surely be the first person to be brought before a judge for being a Black Reparationist (uh by the way, I’m white).”


From my Written Statement to the Court

The following material is gleaned directly from my 15-page written argument I’d submitted to the court last week. Enjoy!


QUOTE:

Now comes Defendant, STEVEN D SEARLE … acting in his own defense without consultation with legal counsel. SEARLE invokes his right of reasonable expectation implied by the US Constitution’s Amendment 9, which states:

“The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people.”

The term cited above – reasonable expectation – is of my own coinage, expressing this sentiment: Though I have not engaged legal counsel and have no legal training, I cite the duty of this Court to make allowance for any imprecision in the following written expression of my case; that the gist of my arguments be considered though they may fail any test of rigid formality. Since this Court is allowing me to present my own case without legal counsel, it must logically follow that I have a reasonable expectation that the merits of my case (no matter how awkwardly presented) will receive a full and impartial consideration.

Second Motion to Dismiss: SEARLE hereby moves that this case be dismissed due to the lack of jurisdiction of this Court. Defendant proposes that this case be heard, instead, in a federal court since there are US Constitutional issues involved, sketched below, which are beyond the scope of a Circuit Court of Cook County to hear. It would be in Plaintiff’s favor for SEARLE’s case to be heard in a local-rather-than Federal Court. Plaintiff would benefit by having this issue narrowly defined as being simply a matter of violation of a business contract. Defendant will demonstrate this to be an unfair advantage, and that the issues involved require the greatest possible scrutiny both as to breadth and depth.

The concept of diversity jurisdiction is relevant here, to quote from Wikipedia:

“In the law of the United States, diversity jurisdiction is a form of subject-matter jurisdiction in civil procedure in which a United States district court … has the power to hear a civil case where the persons that are parties are ‘diverse’ in citizenship, which generally indicates that they are citizens of different states or non-U.S. citizens. (Corporations, as legal persons, may also be included).”

Since Discover Bank, as a legal person, is in effect a citizen of the State of Delaware and SEARLE is a citizen of the State of Illinois, Defendant therefore moves to dismiss this case from Cook County Circuit so it may properly be heard, should Plaintiff decide to pursue this option, in a US federal district court.


TWO: From Plaintiff’s VERIFIED COMPLAINT: “4. By use of the account, the Defendant became bound by the terms and conditions contained in the Cardmember Agreement.” SEARLE notes that he is not obligated to be bound by ONLY “the terms and conditions” in this Agreement. He did not waive any other rights he has as a citizen.


SIX:  Discover Bank embraces certain “values” on its website, which SEARLE maintains form a binding contract with cardmembers. Those values form an acronym of the corporate name (Discover) as follows, with commentary:

D – “Do the right thing” – So SEARLE urges Discover Bank to do exactly that by making reparations payments, even though Discover’s victims don’t have recognized recourse to any formal method “to be made whole” by any currently existing legal or administrative mechanism.

I – “Innovation” – This corporate citizen of the State of Delaware couldn’t be more innovative than to embrace its moral responsibility to pay reparations. Or, as an alternative, to allow its cardmembers to make those payments on its behalf. Besides, it would be good business, in terms of improved public relations among those who perceive corporate financiers as predatory.

S – “Simplicity” – There is a great simplicity in these words, which in fact mask a far deeper concept: “What goes around comes around.” Discover Bank might feel assured to know that its reparations obligations aren’t “legally enforceable” (as of this writing). However, SEARLE invokes the concept of karma, by means of comparison to Nazi Germany. Modern Germans may well feel comfortably far-removed from the horrors of the Holocaust, especially as that era recedes ever farther into the past. Modern Germans might choose to exercise their option to ignore reparations arguments, especially due to Germany’s bitter experience with post-World War I reparations mandates. If modern Germany refuses to accelerate its efforts to mitigate the damage of the Holocaust, its posterity will be doomed to suffer in ways they will not understand or deem “fair.” Discover Bank has a similar karmic obligation, since its current wealth is due in appreciable part to the benefits of the Trans-Atlantic slave trade.

C – “Collaboration” – SEARLE invites Discover Bank to collaborate with minority communities, as well as Black African nations, for input on how to “do the right thing” in order to right past wrongs. Defendant notes the lack of collaboration displayed by Discover Bank toward cardmembers: We were not asked for any input as the terms of the Cardmember Agreement were being prepared.

O – “Openness” – SEARLE invites Discover Bank to consider an option which (only) appears to work against its corporate self-interest: Lobby for and support efforts to create the openness which would ensue from dismantling the monopoly of the Democratic and Republican parties, which only enforces conditions most favorable to business and least favorable to consumers.

V – “Volunteerism” – On its website, Discover claims it “believes in being a good corporate citizen” but goes on to add, “particularly in communities where our employees live and work. We are committed to supporting the many volunteer efforts of our employees…” Why support volunteer efforts “particularly” in those communities? Discover’s volunteer efforts are most urgently needed to help “make whole” those communities and people who were negatively impacted by the past exploitative business practices of Discover in particular and of the US financial community in general, of which Discover is a leading player. Indeed, there is a cynical attitude of exploitation of its own employees which inspires Discover seek favorable corporate PR by pressuring its employees to “volunteer.”

E – “Enthusiasm” – Discover should enthusiastically embrace not only the Reparations Movement but also any campaigns to reverse the damage the Two Party system continues to inflict on our daily lives. Discover’s “enthusiasm” must not be limited only to increasing its profitability and market share, and not only to a shallow, smiley-face version of customer service.

R – “Respect” – Discover should show as much respect for its moral obligations as it does for those found in its business contracts.


            SEVEN:  SEARLE cites the importance of the following article by Naomi Klein, which appeared in the September 2009 issue of Harper’s Magazine:

Minority Death Match: Jews, Blacks, and the “Post-Racial” Presidency

Klein documents that the, “United States, under the leadership of its first African-American president, had announced that it would boycott the United Nations Durban Review Conference on Racism, Racial Discrimination, Xenophobia and Related Intolerance [which started on April 20, 2009], citing its alleged anti-Israel bias.”

If a Black US President refuses to address the issue of reparations, SEARLE is justified in citing a US Constitutional Amendment Nine right to take drastic action. When traditional institutions for redress of grievance engage in a conspiracy of denial and obstruction of justice, drastic action is not only a right but becomes a necessity.


NINE:  SEARLE (again) cites US Senate Concurrent Resolution 26 [June 11, 2009], which states:

QUOTE:

…the legislatures of …Virginia….Alabama, Florida, Maryland, and North Carolina have taken the lead in adopting resolutions officially expressing appropriate remorse for slavery…

:UNQUOTE.

SEARLE observes:

This “appropriate remorse” was most assuredly a “words only” apology. However, truly “appropriate remorse” must be “expressed” by means greater than a merely linguistic apology. Without efforts to “make whole” (that is, for example, by means of reparations payments), no apology could be said to be “appropriate.”


TEN:  SEARLE (for yet a third time) cites US Senate Concurrent Resolution 26 [June 11, 2009], which states:

QUOTE:

DISCLAIMER. – Nothing in this resolution –

(A)  authorizes or supports any claim against the United States; or
(B)  serves as a settlement of any claim against the United States.

:UNQUOTE.

In the case of (A):  Isn’t this similar to a man admitting he committed murder, but also claiming that his admission can’t be used against him? The Resolution admits to US participation in a [de facto] crime against humanity, therefore any reasonable man would surely see that this Resolution in fact does support such a “claim against the United States.”

In the case of (B):  Since “nothing in the resolution…(B) serves as a settlement of any claim against the United States,” the Resolution itself (which expresses the “sense of Congress) is in effect saying such “claims” haven’t been settled – at least as far as the Resolution itself is concerned. This claim in (B) actually keeps alive the possibility of introducing future and advancing present claims against the United States based on exploitations of Black Americans.

In the case of (A) and (B): Though the Congress most assuredly did not intend this disclaimer to follow SEARLE’s interpretation, Defendant maintains: “That’s what the words say, and I invoke a Ninth Amendment right of reasonable expectation that my legislators say what they mean and mean what they say.”


ELEVEN:  Concerning usury: Defendant is aware that credit card companies enjoy virtual immunity from prosecution for usury. This immunity was granted by a series of US Supreme Court decisions, including the landmark Marquette National Bank v. First of Omaha. This immunity was abetted by a US Congress which increasingly, in the name of deregulation, was not inclined to prevent the financial sector from running amok. Apparently, the US Congress is far more profoundly influenced by the lobbying money and efforts of creditors than by so-called “constituents” who think they can make their influence felt by casting ballots at the polling place.


TWELVE:   Concerning usury:  How is it that Discover Bank is allowed to charge me 24% interest for cash advances, though I can earn (only) far less than 5% on a passbook savings account? Industry advocates will claim, “That’s what the market will bear.” However, the industry is well poised to unfairly influence that market due to the presence of a limited number of large, collusive, and monopolizing competitors, and the presence of a Congress that listens only to industry lobbyists.


THIRTEEN:  Concerning usury:  How is it that a country, which in many (including several unconstitutional*) ways embraces its Judeo-Christian heritage, has come to actually embrace usury? How is it that no church in the United States speaks out by saying, “The commandment ‘Thou Shalt Not Steal’ must surely apply to a Congress and financial lobbyists who effectively collude to deny We-the-People any voice in setting standards against exorbitant levels of interest?”

      *  “several unconstitutional ways” – 1) US currency bears the inscription “In God We Trust,” 2) the Pledge of Allegiance offers “one nation, under God,” and 3) the current oath sworn by persons about to become naturalized US citizens ends with these words, “so help me God.”


FOURTEEN:  Motion to Consider my Personal Financial Status:

I hereby submit this Motion to Consider in the event of any decision made by this Court against me. I am not a lawyer and do not know what this Court may or may not take under consideration should it decide to garnish my wage or in other ways make judgment against me. If, however, this Court is not required to consider any details of my personal financial status [see FIFTEEN below], in that case, be it understood that I, here and now, register an objection under the US Constitution’s Fourteenth Amendment, which states, “…nor shall any state deprive any person of …property, without due process of law…” Defendant maintains that “due process” must include consideration of personal circumstances. If not, then this type of judicial “process” devolves into nothing more than a rubberstamping approval of Plaintiff’s request for compensation.


SIXTEEN:  Obligations, Contracts, and Justice under the US Constitution:

REF 1: US Constitution, Preamble:  “We the People…in order to … establish Justice…do ordain and establish this Constitution…”

REF 2: US Constitution, Article I, Section 10: “No State shall…pass any Law impairing the Obligation of Contracts…”

REF 3: US Constitution, Amendment 9: “The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people.”


We-the-People are far more interested in “establish[ing] Justice [for all],” than would be any special commercial interest. For that reason, We have a right (of reasonable expectation, under Amendment 9) to insist on a broader interpretation of Article I, Section 10 than conventionally exists. Therefore, REF 2 (above) should be restated as:

“No State shall…pass any Law impairing any Obligations, be these of the type embodied in business contracts or of a type encompassing the dictates of morals, ethics, or justice.”


SEVENTEEN:  Amendment 10 Considerations:  “The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively or to the people.”

            One of these “powers” must be a reasonable power over our own lives, which shall not be encroached upon by institutions which are becoming increasingly out of touch with the people, which have and continue to demonstrate a tendency to centralize and increase their authority without the expressed consent of the governed.

            SEARLE hereby serves notice that another of these “powers of the people” is the power (not merely the right) to abolish the US Constitution and replace it with another, should We-the-People so decide. If legal arguments based on the Constitution should continue to fall on the deaf ears of those institutions empowered by that same Constitution, then it is time to replace that authority and, by direct consequence, those institutions. The power of the people follows from the Preamble to the current US Constitution:

“We the People of the United States…do ordain and establish this Constitution.”

If the People of the year 1776 had the power to “establish this Constitution” (which, it will be remembered, replaced the prior constitution referred to as the Articles of Confederation), how can the People of the year 2010 have any less power to “establish [their own] Constitution?”

Much is made out of the Constitutionally-provided methods of amendment, but I am not talking about amending, I’m talking about replacing. Using the language of Amendment 10 as a reference, replacing the Constitution is not a power “delegated to the United States,” nor is it a power “prohibited by it to the States.” Therefore, constitutional replacement logically becomes a power “reserved to the States respectively or to the people.”

Replacement would become a vital necessity, in the case of a future proposed constitution which would dissolve the US Senate, an institution the current Constitution enshrines forever by disallowing even the process of Constitutional amendment to alter or abolish. However, the sense of the Preamble precludes us from concluding that the Founding Fathers wished to impose their will upon future generations that there now and forever be a US Senate. It is doubtful any generation of enlightened leaders could be taken seriously if it were to decree that the will of the dead should be imposed upon the will of the living, now and forever.


EIGHTEEN:  Constitutional Replacement: This is no idle threat, even though doubters will ask, “How can the Constitution be replaced, since there is no legal mechanism in place to allow for this by peaceful means. And violent means are out of the question, for the establishment has the means of overwhelming and violent repression at its disposal?”

The response by We-the-People would be direct. They would simply use the power of economic boycott, particularly in refusing to do business with or deposit their money in the seven largest US banks. No gun-based violence would be necessary. It wouldn’t take too long for the financiers, who have had it their way much too long, to cry “uncle.” Then a nationwide Constitutional Convention could be established, though the boycott would be resumed if there were to arise any hint of corruption in its bylaws or undermining of its purpose.

SEARLE’s purpose in detailing these arguments: “If there are those who have become comfortable and routine in their abuse of power simply because the current law of the land allows it, or is interpreted or corrupted to allow it, that basis of law can be effectively challenged.


TWENTY-THREE:  Words of caution:

As a Buddhist, I feel obliged to direct these words of caution to the Court, to client Discover Bank, to Weltman et al, and to anyone connected with this case down to and including the courtroom bailiff. In the context of the following quotes from the Lotus Sutra, I am a person “who accepts and upholds this [Lotus Sutra],” who is a “preacher of the Law,” and who “reads, recites and embraces this Lotus Sutra.” Anyone involved in this case should ponder these three quotes carefully before making any final decision on how to interact with me:

QUOTE ONE: If anyone sees a person who accepts and upholds this [Lotus Sutra] and tries to expose the faults or evils of that person, whether what he speaks is true or not, he will in his present existence be afflicted ... then in existence after existence …His body will have a foul odor, with evil sores that run pus and blood, and he will suffer from water in the belly, shortness of breath, and other severe and malignant illnesses.
QUOTE TWO: Then in the presence of the Buddha they spoke in verse form, saying: If there are those who …trouble and disrupt the preachers of the Law, their heads will split into seven pieces like the branches of the arjaka tree.
QUOTE THREE: If for the space of a kalpa one should constantly harbor a mind destitute of good and with angry looks should revile the Buddha, he will be committing an offense of immeasurable gravity. But if toward those who read, recite and embrace this Lotus Sutra one should even for a moment direct evil words, his offense will be even greater.

:UNQUOTE


Steven Searle for US President in 2012

“Though any conventional standard of evaluation should dictate that I lose this case, what I hope to gain will (though unconventional) be of far greater impact.”

Saturday, November 6, 2010

Tax Dodger, Black Reparationist, or Both?

My trial is set for Nov. 23, 2010. I must surely be the first person to be brought before a judge for being a Black Reparationist (uh by the way, I’m white). But, of course, that’s not what I’m literally being charged with.

As of this writing, I owe Discover Bank $7,711.88 for amounts I’d charged using the credit card they’d issued me. And I’ve always made my monthly payments on time, until September 2009. That’s when I decided to stop paying them – directly. And that’s the critical word here – directly. I informed Discover I’d continue to make payments in their name, but instead make my checks payable to the United Negro College Fund. And I asked the Fund to send receipts to Discover as proof of payment. On the UNCF form, under type of donation, I listed “reparations.”


My two sources of inspiration

“Why,” you might ask, “would a middle class white male, who had always dutifully made his monthly payments for decades, stop doing so?”

Why did I decide to stop being a revolver and instead become a revolutionary? Revolver, by the way, is a term used derogatorily by many in the industry to describe a charge card holder who doesn’t pay off his outstanding balances, choosing instead to carry balances into the future.

I had two reasons. First, both of my card issuers (Discover and Visa) sent letters saying they were going to key my rate of interest to the prime rate as determined by the Federal Reserve Board. That was the straw that broke the camel’s back. My rates were already usurious, and it would be only a matter of time until the Fed jacked the prime up a couple of points from its current, historic low.

My second reason: About the time I got those letters, I chanced to come across this fascinating article by Naomi Klein, which appeared in the September 2009 issue of Harper’s Magazine:

Minority Death Match: Jews, Blacks, and the “Post-Racial” Presidency

Naomi’s article presented compelling reasons in support of whites making reparations to blacks as compensation for the Trans-Atlantic slave trade.

After reading this article, I knew exactly what I had to do.


How my income tax situation factors in

On November 2, 2010, I submitted my written response to Discover’s charges, to the judge and to Discover’s lawyers – a firm known as Weltman, Weinberg & Reis Co., L.P.A. The following quote is from a section in that response entitled First Motion to Dismiss:


First Motion to Dismiss begins as follows:

First Motion to Dismiss: SEARLE hereby moves that this case be dismissed due to dereliction of duty by Plaintiff’s attorneys … to inform the US Internal Revenue Service as indicated in the quoted statement which follows this paragraph. Since I have not been contacted by the IRS, since informing Weltman et al (before July 1, 2010, via Certified Mail), it’s obvious Weltman et al has failed in its duty as an officer of the court to inform the IRS of my legal transgression.

The following quote is from SEARLE’s letter to Weltman et al dated June 21, 2010 [Exhibit 1], which was received via Certified Mail on June 24, 2010:

QUOTE:

Suppose you win a judgment against me. Another quote from my enclosure covers this possibility:  “Besides, if you do win, I will notify [the] IRS of my failure to file federal income tax returns for the past 7 years. When IRS wins a judgment against me, there won’t be anything left for you.”

My last quote raises an interesting dilemma for Weltman, Weinberg & Reis. As members of the legal profession (officers of the court), you are now obligated to immediately contact the IRS and inform them of my violation of federal law. However, doing this will derail any attempt you might make to collect money from me for your client, Discover Bank. By the way, your client already knows I haven’t filed federal tax returns (since my enclosure tells them this), but they don’t have the same obligation as do you to inform the IRS.

:UNQUOTE.

Since Weltman et al has behaved in a manner inconsistent with that expected of officers of the court, they should not only be disqualified from representing DISCOVER BANK, but should be held in Contempt of Court as well.

:END of text for First Motion to Dismiss.

For the record: My failure to file federal tax returns, as well as those required by the State of Illinois, was intentional.

Concerning the feds: Even though I continued to have taxes deducted from my paycheck (as if I had a choice!), I stopped filing tax returns as a protest against two illegal wars of US aggression. In case you’ve forgotten: Iraq and Afghanistan. I’m sure I owe back taxes, since I had always owed more than my deductions covered. Not to mention what I owe for not filing.

Concerning Illinois: I refuse to support this level of corruption, which is a national embarrassment and qualifies as denying me my due representation. This might sound familiar, but it serves well enough as my battle cry: “No taxation without representation.”


From my Written Statement to the Court

The material in this section consists of selected portions of my Written Statement to the Court:


ONE: From Plaintiff’s VERIFIED COMPLAINT: “1. Plaintiff is a Delaware corporation authorized to do business in the State of Illinois.” Plaintiff, as a corporation, is a “person” under the law. SEARLE is also a person. However, these two persons are not being treated equally under the law. While Plaintiff has huge resources at its disposal, the imposition upon SEARLE that he pay an “appearance fee” of $178.00 to have his written arguments considered by this Court is patently unfair, burdensome, and discriminatory. How can anyone talk about “due process of law” and “equal protection” when the playing field is far from level? SEARLE did not authorize this Delaware corporation “to do business in the State of Illinois.” Rather, this authorization came about due to a collusion between the two major political parties in this State which, if they were businesses, would be considered in violation of prohibitions against monopolized, unfair business practices.


THREE:  From Plaintiff’s VERIFIED COMPLAINT: “5. Defendant made various purchases or cash advances on said account and failed to pay for the same.” Defendant is not guilty of having “failed to pay” – he has merely altered the form of payment. SEARLE’s contention is: If Party X owes Party Y, but instead pays that money to Party Z (owed by Party Y to Party Z), then it cannot be claimed that Party X failed to pay Party Y – though Party Y might not have approved of such method of indirect payment. In support of this argument, SEARLE had informed Discover Financial Services and Weltman et al of the following in his May 17, 2010 letter (copy attached to Exhibit 1).

QUOTE:

I had notified you back in October that I was canceling my Discover Card and, furthermore, to ceasing to make direct payments to Discover. The amount I owe Discover will be paid to the United Negro College Fund as reparations for what Discover owes the Black community. Discover owes this debt, yet refuses to pay. It is no accident that Discover and other financial services providers are in such enviable positions of wealth and influence. Much of that gain can be attributed to the benefits of the slave trade.

Discover owes, yet Discover refuses to pay. So I decided to make payments on behalf of Discover. In this way, it cannot be said that I am not paying Discover, since I am paying one of Discover’s debts.

:UNQUOTE.


            FOUR [not quoted in its entirety]: Defendant further maintains that requiring 40 years to pay off $35,185 constitutes usury, especially based on the current amount owed of $7711.88. [Plaintiff] might well claim that SEARLE made this choice; however, there is a reason why federal law mandated rules such as providing disclosure information... If, by way of comparison, a patron at a bar orders far more to drink than would be deemed as responsible consumption by any reasonable person, the bartender who furnished those drinks would bear a degree of responsibility in the event of a drunk driving accident caused by his patron that kills a pedestrian. In short, Discover Bank shares a degree of responsibility for cardholders’ indebtedness.


FIVE:  SEARLE invokes US Constitution’s First Amendment rights to free speech. By indirectly paying his debt to Discover Bank by directly paying (part of) what Discover owes as Reparations to Black Americans, SEARLE is making a statement. When a citizen makes a statement, he not only has a First Amendment right to do so, he has a Ninth Amendment right (cited above as reasonable expectation) to make a statement that has impact and could reasonably be expected to be heard by the greatest possible audience.


EIGHT:  SEARLE cites US Senate Concurrent Resolution 26 [June 11, 2009], which states:

QUOTE:

Resolved by the Senate (the House of Representatives concurring), That the sense of the Congress is the following:

… The Congress…(B) apologizes to African-Americans on behalf of the people of the United States, for wrongs committed against them and their ancestors who suffered under slavery and Jim Crow laws…”

:UNQUOTE.

SEARLE’s observation: Any such apology is meaningless without follow-through efforts to “make whole,” especially since this Resolution admits the following: “President George W. Bush…stated that slavery ‘was…one of the greatest crimes of history…’” Surely, any reasonable man would conclude that by such language from a former US president, this was a de facto “crime against humanity.” That becomes important as Klein points out in her article:


QUOTE:

The final Durban Declaration [in 2001] became the first document with international legal standing to state “that slavery and the slave trade are a crime against humanity and should always have been so, especially the transatlantic slave trade.” This language was more than symbolic. When lawyers had sought to win slavery reparations in U.S. courts, the biggest barrier was always the statute of limitations, which had long since expired. If slavery was “a crime against humanity,” however, it was not restricted by the statute…

:UNQUOTE.


Conclusion

My written response to the court consists of 15 pages of defense and 18 more pages of supporting documentation (exhibits). I will post more from my response on this blog site in a day or two. For now, though, I leave you with a question (and an answer):

QUESTION:  “How can someone who ran as a candidate for the US Presidency [back in 2008] violate the law in these two ways: Failing to file tax returns and failing to make payments on his credit cards?”

ANSWER: “My actions are meant to bring attention to issues being ignored by our elected officials, our courts, and (more and more) by We-the-People. Someone’s got to take a stand and say loudly and clearly, ‘This is wrong.’ And it looks like that someone’s going to be me.

Steven Searle for US President in 2012

“For those who’d supported (and been sold out by) Barack Obama, the game is over. I ask for your help in getting elected and in electing true independents to Congress. There is no other way.”