Maxwell_Jordan_-_Craking_the_code1

VERIFICATION OF TENDER OF PAYMENT and NOTICE OF RESERVATION OF RIGHT FOR INITIATING COUNTERCLAIM and FOR FILING CLAIMAGAINST BOND Introductory Certification The Undersigned, PATRICK DOE”, hereinafter ‘Declarant,” does herewith solemnly swear, declare, and state that: Declarant can competently state the matters set forth herewith. 2. Declarant has personal knowledge of the facts stated herein. 3. Declarant has read and signed this Verification of Tender of Payment and Notice of Reservation of Right for Initiating Counterclaim and For Filing Claim Against Bond, hereinafter ‘Tender and Reservation of Right.” Plain Statement of Facts 4. This Tender and Reservation of Right is not interposed for purpose of delay. 5. This Tender and Reservation of Right does not prejudice INTERNAL REVENUE SERVICE in this matter. 6. Declarant does not join in any merits of Presentment of INTERNAL REVENUE SERVICE, d.b.a., a Debt Collector. Verification and Certification 7. The Undersigned Declarant, PATRICK DOE” , i.e. Declarant, does herewith swear, declare, and affirm that Declarant executes this Tender and Reservation of Right with sincere intent, that Declarant can competently state the rratters set forth herein, that the contents are true, correct, complete, and certain, not misleading, and the truth, the whole truth, and nothing but the truth as per the best of Declarant’s knowledge and understanding. Further Declarant saith naught. Dated: January 10, 2003 Signed: PATRICK DOE”, Declarant Witness ............................................................. Witness ............................................................. Respondent’s Private International Administrative Remedy Demand No. PD-011003-IRS Page 3 of 6

DEBT COLLECTOR INTEROGOTORIES Re “Offer of Performance” This statement and the answers contained herein rray be used by Respondent, if necessary, in any court of competent jurisdiction. Notice: This Debt Collector Disclosure Statement is not a substitute for, nor the equivalent of, the hereinabove-requested verification of the record, i.e. “Confirmation of correctness, truth, or authenticity, by affidavit oath, or deposition” Back s w Dictionary, Sixth Edition, 1990), re the alleged debt, and must be completed in accordance with the Fair Debt Collection Practices Act, 15 USC §1692g, applicable portions of Truth in Lending (Regulation , 12 CFR 226, and demands as cited above in Offer of Performance. Debt Collector must make all required disclosures clearly and conspicuously in writing re the following: 1. Name of Debt Collector:................................................................................................................................. 2. Address of Debt Collector: .............................................................................................................................. 3. Name of alleged Debtor: ................................................................................................................................ 4. Address of alleged Debtor: .............................................................................................................................. 5. Alleged Account Number: ................................................................................................................................ 6. Alleged debt owed: $...................................................................................................................................... 7. Date alleged debt became payable: ................................................................................................................... 8. Re this alleged account, what is the name and address of the alleged 0riginalCreditor, if different from Debt Collector? 9. Re this alleged account, if Debt Collector is different from alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment for entering into alleged original contract between alleged Original Creditor and alleged Debtor? YES NO 10. Did Debt Collector purchase this alleged account from the alleged Original Creditor? YES NO N/A (Not Applicable) 11. If applicable, date of purchase of this alleged account from alleged 0riginalCreditor, and purchase amount: Date: ............................................................ Amount: $............................................................................. 12. Did Debt Collector purchase this alleged account from a previous debt collector? YES NO N/A 13. If applicable, date of purchase of this alleged account from previous debt collector, and purchase amount: Date: ............................................................ Amount: $..... 14. Regarding this alleged account, Debt Collector is currently the: (a) Owner; (b) Assignee; (c) Other — explain: ...................................................................................................... 15. What are the terms of the transfer of rights re this alleged account? ....................................................................... 16. If applicable, transfer of rights re this alleged account was executed by the following method: (a) Assignment; (b) Negotiation; (c) Novation; (d) Other — explain:............................................................................ Respondent’s Private International Administrative Remedy Demand No. PD-011003-IRS Page 4 of 6

17. If the transfer of rights re thisalleged account wasbyassignment, was there consideration? YES NO N/A 18. What is the nature and cause of the consideration cited in # 17 above? ............................................ ....................... 19. If the transfer of rights re this alleged account was by negotiation, was the alleged account taken for value? YES NO N/A 20. What is the nature and cause of any value cited in #19 above? .............................................................................. 21. Ifthetransferofrightsrethisallegedaccount wasbynovation, wasconsent givenbyallegedDebtor? YES NO N/A 22. What is the nature and cause of any consent cited in # 21 above?........................................................................... 23. Has Debt Collector provided alleged Debtor with the requisite verification of the alleged debt as required by the Fair Debt Collection Practices Acfi’. YES NO 24. Date said verification cited above in # 23 was provided alleged Debtor: .................................................................... 25. Wassaidverification citedabove in # 23inthe formofasworn oraffirrred oath,affidavit, or deposition? YES NO 26. Verification citedabovein#23wasprovided allegedDebtor inthe formof: OATH AFFIDAVIT DEPOSTION 27. Does Debt Collector have knowledge of any claim(s)/defense(s) re this alleged account? YES NO 28. What is the nature and cause of any claim(s)/defense(s) re this alleged account? ....................................................... 29. Was alleged Debtor sold any products/services by Debt Collector? YES NO 30. What is the nature and cause of any products/services cited above in # 29? ............................................................. 31. Does there exist a verifiable, bona fide, original commercial instrument between Debt Collector and alleged Debtor containing alleged Debtor’s bona fide signature? YES NO 32. What is the nature and cause of any verifiable commercial instrument cited above in # 31? ......................................... 33. Does there exist verifiable evidence of an exchange of a benefit or detriment between Debt Collector and alleged Debtor? YES NO 34. What is the nature and cause of this evidence of an exchange of a benefit or detriment as cited above in # 33? 35. Does any evidence exist of verifiable external act(s) giving the objective semblance of agreement between Debt Collector andalleged Debtor? YES NO 36. What is the nature and cause of any external act(s) giving the objective semblance of agreement from #35 above? 37. Have any charge-offs been rrade by any creditor or debt collector regarding this alleged account? YES NO 38. Have any insurance claims been made by any creditor or debt collector regarding this alleged account? YES NO Respondent’s Private International Administrative Remedy Demand No. PD-011003-IRS Page 5 of 6

39. Have any tax write-offs been made by any creditor or debt collector regarding this alleged account? YES NO 40. Have any tax deductions been made by any creditor or debt collector regarding this alleged account? YES NO 41. Have any judgments been obtained by any creditor or debt collector regarding this alleged account? YES NO 42. At the time the alleged original contract was executed, were all parties apprised of the meaning of the terms and conditions of said alleged original contract? YES NO 43. At the time the alleged original contract was executed, were all parties advised of the importance of consulting a licensed Iegal professional before executing the alleged contract? YES NO 44. At the time the alleged original contract was executed, were all parties apprised that said alleged contract was a private credit instrument? YES NO Debt Collector’s failure, both intentional and otherwise, in completing/answering points “1” through “44” above and returning this Debt Collector Disclosure Statement, as well as providing Respondent with the requisite verification validating the hereinabove-referenced alleged debt, constitutes Debt Collector’s tacit agreement that Debt Collector has no verifiable, lawful, bona fide claim re the hereinabove-referenced alleged account, and that Debt Collector tacitly agrees that Debt Collector waives all claims against Respondent and indemnifies and holds Respondent harmless against any and all costs and fees heretofore and hereafter incurred and related re any and all collection attempts involving the hereinabove-referenced alleged account. Declaration: The Undersigned hereby declares under penalty of perjury of the laws of this State that the statements made in this Debt Collector Disclosure Statement are true and correct in accordance with the Undersigned’s best firsthand knowledge and belief. Date Printed name of Signatory Official Title of Signatory Authorized Signature for Debt Collector Debt Collector must timely complete and return this Debt Collector Disclosure Statement, along with all required documents referenced in said Debt Collector Disclosure Statement. Debt Collector’s claim will not be considered if any portion of this Debt Collector Disclosure Statement is not completed and timely returned with all required documents, which specifically includes the requisite verification, made in accordance with law and codified in the Fair Debt Collection Practices Act at 15 USC §1692 et seq., and which states in relevant part: “A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt,” which includes “the false representation of the character, or legal status of any debt,” and “the threat to take any action that cannot legally be taken,” all of which are violations of law. If Debt Collector does not respond as required by law, Debt Collector’s claim will not be considered and Debt Collector may be liable for damages for any continued collection efforts, as well as any other injury sustained by Respondent. Please allow thirty (30) days for processing after Respondent’s receipt of Debt Collector’s response. Respondent’s Private International Administrative Remedy Demand No. PD-011003-IRS Page 6 of 6

Hi Jason, Just wanted to drop you a follo Peoponse you prepared for me back must have been successful because tnem. It has certainly been much iden io thR offer of performance a contact from the IRS ana no furchc 'e Tharks again for your help, you' Patrick

ow up roLe to let you kno'w Lhat tie in January regarding the RS suicl¿ I haven't heard another word from longer than the 1 oa,s they were and, aa I stated, Eherc ias becn no cr atcempt to collect anythir.g fro:r 're a real blessing.

Law Offices of Michael P. Margelefaky, LLC 709 Madison Ave., Ste. 301 419-244-4200 June 5, 2003 JASON WHITNEY 53543-1 REFERENCE NUMBER: 94432 WOODLAND HLS, CA flit ii i i i Hi illi rim i i liilli i ill CRB $155.22 GO{TNT: TOTAL $155.22 Dear JASON WHITNEY, Our office has received your letter regarding the above referenced account. We have reviewed the information you have provided to us and in lieu of sending the requested information weare closing our fileon your account. All collection activity by thisoffice will cease. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Sincerely, Account Representative Law offices of Michael P. Margelefsky MPM/706

Thi s i s a success st or y of a man named Mar k who pai d of f hi s mor t gage usi ng t he mat er i al s i n Cr acki ng t he Code. Thi s document cont ai ns a l et t er f r om t he bank t hanki ng hi m f or hi s payof f and even i ncl udes a r ef und check because he sent t hem t oo muc h money .

1 0Z1t 101 TTI£'• 1 0 :38 FnZ BankofAmerica Bank of America Mortgage 475 CrossPoint Parkway PO Box 9o00 Getz\\ñ lie, NY 4068-9000 October 04, 2001 Mark Loan Number 120056 Property Dear Bank of America Mortgage Customer: Please call me when you receive this letter. I am Lhe supervisor of the payoff area at 2ank of America in the Buffalo center. My phone number is 716. . We need to discuss the item that was sent for the payoff of the above mentioned loan. Should vou have any questions, plrase contact Customer .Service at Thank you. Sincerely, SAMUEL PY0l5 I2N 8anlt of America Mortgage is a division of Bank Of America, N.A. O --

BankofAmerica 5EP£EHBER 26 , 2001 Blah ef America Mortgage 475 CrossJ°oiat ea‹kwry PO Box 9000 OttzvñtotFK1#06#-9000 Loan Number l20C Dear Valued €ustomer_ _ _ „. .--- ---- -- - --- -- Congratulations' Your mortgage haa been paid in full io accordance with the terme of your mortgage agreement. We would like to remind You of the eteps iovolved in assuming full ownership of tbe property, if applicable. If your property taxes had previously been paid through your escrow account, you now assume full responsibility for payment of your property tax bills. It is necessary that you contact your tax office(s) to verify your correct mailing addreea so that future property tax bills will be sent directly to you without delay. Baok o€ Asmerica Mortgage has also notified your homeowner’s iosuraoce agent that your mortgage is paid-in-full and we are no longer responsible for payment of your annual homeowner’s ingurance premium. Please content your insurance agent to report the address you wisb to have future insurance premium billings sent. Yovr release docueeots are beiog processed and will be mailed to your .. -.. county clerk, or appropriate party for recoraation. The couoty will be instructed to mail the recordea document(s) to the address above. If the address is noC your current mmiliog address please contact our customer Sereico DePartment at the number below as soon as If tor aoy reasoo the funds due unaer tbe note do not clear, the loan is not considered to be paid-in-full aod the release documents will not be meiled until we receive all [unds due. If you have aoy questions about the payoft of your mortgage loan, please call our Customer Service Department at Oiocerely, 8olly M. Jarmusz Lien Release Supervisor

10z l6Z01 TtIE 10 : 41 FT @ 0 06 PO Box 9000 Lean 12005 Gotzville, NY 14068-9000 BankofAmerica This riitem nt is i *gyoui ono. omp•nA: occiedi youLcsczoW^ccougt b 1OWit4IAiy0SAC <.’’éc*ober

TtT 10:42 FSl os 09 20 CROW 670 xQ I9 O97'* HOSIOOOO 7H 4 23D79S 29+ I

Bar r y L. of Texas or i gi nal l y appr oached BBCOA t o have hi s UCC Fi nanci ng st at ement pr epar ed. Upon compl et i on of hi s f i l i ng he t hen cont act ed our of f i ce once agai n f or t he pur pose of t er mi nat i ng an out st andi ng st udent l oan debt i n t he amount of $20, 125. 57. Bar r y expl ai ned t hat he r ecent l y r ecei ved a l et t er f r om t he Soci al Secur i t y Admi ni st r at i on i nf or mi ng hi m t hat t hey woul d be l evyi ng $100. 00 per mont h f r om hi s benef i t s due t o t he non pay ment of hi s st udent l oan. Af t er Bar r y sent t he al l eged cr edi t or ( Van Ru Cr edi t Cor por at i on a debt col l ect or ) hi s paper wor k \" Of f er of Per f or manc e / Tender of Pay ment \" t he bal ance was zer oed out and i n addi t i on t he phone cal l s t hat Bar r y had been r ecei vi ng ever yday f or t he l ast 17 year s st opped i mmedi at el y. Pl ease check out Bar r y’ s hand wr i t t en l et t er f or f ur t her det ai l s.

OCT-16- BI : RFP F ON: Van Ru Credit Corporation 4415 S. Wendler Dr., Ste. 200 August 22, 2002 CLIENT: EDFUND ACCOUNT: L8701 1171 W FlLE#: 10241710 BALANCE: S20,I25.57 At this time Van Ru Credit Corporation. in cooperation with EDFUND, has been authorized to accept one payment of $20,125.57 on the above-mentioned account. Your payment must reach our ot ice by 9/5/02 in order to maintain this agreement. We have a wide variety of payment options available for you. Please call . 2S33 imzner Rely, as we will need verification tbat the e fuuds are un Lhc way. This communication is from adebt collector attempting to collect a debt and anv information obtained will be used tor that purpose. If you need further assistance, do not hesitate to contact us. Keenan _ Collections Manager Van Ru Credit Corporation, *

Ve: ›a . ' •« w$t* n4 rg»iw &Ui ce éW $y be &esâ4 'get i4’i «A &n‘xt lisltn anpwt.’ B60T6Z8T8T:01 :WOWfl o98:S0 Z0B@-08-330

Tanj ar een appr oached UCCSG f or t he pur pose of di schar gi ng an out st andi ng unsubst ant i at ed st udent l oan debt cl ai m whi ch had been a r ock i n her shoe f or qui t e a whi l e. Tanj ar een t ender ed an Of f er of Per f or manc e accompani ed by a bi l l of exchange/ document ar y dr af t i n t he amount of $34, 249. 47 whi ch was t he al l eged debt cl ai med del i nquent . Pl ease not e page 3 whi ch st at es i n par t \" Congr at ul at i ons! \" Tanj ar een has had no f ur t her communi cat i on f r om t he Al l eged Cr edi t or / Lender nor t he Debt Col l ect i on Agency t hat was sendi ng her pr esent ment s r e t he Al l eged st udent l oan.

S t dt e rrent D a te: 07 / l4/ 02 Current flu I der I Cred i for › : SMH fku5 r BAHK ' “- \" ' '’' . ‹our I u ant 5) xt I T be dec I ared i n defaul t 0 d ays from the date of thf s J etter. To aro1 d ser i ous consequences. you ¥xi st send your As a resu I L g f 'Daur I:unt i nued f al I ure tu pd y the requJ red nun Lh 1 y i ns r a I I sems. the op ti un to acce I erate the oatur i ty of yuur proof ssory no tel sJ , as yruvi ded by the ter as. i s hereby exerc i sed. ’ ' ” ”I f yoU f 41 I to CO8t§ T / Nt th thi s f i n al de nand . your I o ant s) u\\ 1 I be dec ] ared i n def au ] t and as si gned to the kg enc y that yu aranteed your Ia anf s\\ I or co I I ect1 on. The Ogency cf 1 repor I your def au I t to al 1 natu ona I credf I bure au s, thereby severe I y danag i ng your credl I r at1 ng and res tri c t i ng yo.or future ered i E oppor tun i I› es. They clay a I so as s1 gn your 1 a an( s) to the Feder at Go vernnent for T i ti g at1 on. ”” [I you ar e un abl e to r”up ay ynur' Ia an( s) I n fun out s ati sfac tor y Arr enqenent s. ”’ ”to\\ \\ - tree »\\ I -800-B3$-34I1 so we c an he]p you •ork In accord once wi th the I er ¥is o I your I a ant M . rour v «r «b I e mere st r ate h as changed as 1 ndi cated abo ve whi ch cay effec t your rionth I y p ayaent amount. A copy of th i s nazi ce ha x Ueen men t Lo «n/ cu -aaker and/or co s t giter s o I rhi s 1 oan. , ower benn AND Rezunu Loaiea i•onTlOfiI WJTff YOUR PAYMEJ¥7 DLMF Adckess or Phone Number chunge. Check bcx and write your new adAess and/w phona number en back. P.0, BOX 7051 CGSSOA 621- 05- UTICA. NY I 3504-705I AFSA propertyyy'’’thrrrooouuugh TANJAREEN C P.O. BOX 9tX/f560 the return envelope LOUISVILLE, KY 40290-1560 wtndow. .SUN:SET 8LVD j/ T 201 ” Write account numbor CA on your check V1317950116621057768113424947D

fiélt0f astate Financial Aid & Scholarships 18111 Nordhoff Street, Northrtdge, CA 91330-8307 Phone: (818) 677-3000 FAX: (818) 677-4665 www.csun.edu/finaid/ November 5, 2002 TANJAREEN C SUNSET BLVD P 120/ CA TANJAREEN C SSN: ru t oa s c r ent b mak paym n p e d r a s If you have wevar, if you are having difficulty making your student loan payments, contact your lender. Each day your loan is delinquent you become closer to losing the options available to you. The consequences of default indude the following: • Loss of monthly payment, deferment, and forbearance options • Loss of further federal and state student financial aid (grants and loans) • Oamage to your credit rating or enduring possible wage gamishment Here are some important tips: • Have you moved or changed your name? Contact your lender or servicer every time your address changes. Ari incorrect address is one of the leading causes of defau(I. • Are you looking for financial planning toOl9 O/ WBys to save money on your student loan? Check out EobUNo’s online financial planning guide, EDWiSE, at dose.EDWiSE offers ways to save money while in school and after graduation. Additionally, it describes repayment options, deferments. and borrower benefit programs. To learn more ebout the borrower benefits you might qualify for, contact your lender or servicer. • Are you having difficulty with your monthly payment† There are several options available, including changing your repayment plan or temporarily postponing repayments with a deferment or forbearance. Contact your lender or servlcer for assistance. You can also contact EDFUND at 800/298-0490. Our goal at CSUN is to provide the information and resources that will assist you wlth any questions that you may have in regards to your student loan debt. For your benefit, we have included some important contacts that are best suited to provide this assistance. EDFUND (your student loan guarantor) www.edfund.orq National Student Loan Database www.nslds.ed.gov California State University, Northridge

/OmJa \\@I2 A1V0LS1ty December 9, 2002 Northr/dge TANJAREEN C SUNSET BLVD # 1201 CA MARTIN 1JAREEN G: SSN: Our goai at CSUN is to provide the information and resources that will assist you with any questions that you may have in regards to your student loan debt. For your benefit, we have included some important contacts that are best suited to provide this assistance. EDFUND (your studentloan guarantor) www.edfund.orq National Student Loan Database www.nslds.ed.gov I•Iore are some Important flips: • Have you moved or changed your name? Contact your lender or servicer every time your address changes. An incorrect address is one of the leading causes of default. • Are you looking for financial planning tools or ways to save money on your student loan? Check out EDFUNo’s online financial pianning guide, EoWIsE, at www.edwise.orq. EoWisE offers ways to save money while in school and after graduation. Additionally, it describes repayment options, deferments, and borrower benefit programs. To learn more about the borrower benefits you might qualify for, contact your lender or servicer. • Are you having difficulty with your monthly payment‘? There are several options available, inGluding changing your repayment plan or temporarily postponing repayments with a deferment or forbearance. Contact your lender or servicer for assistance. You can also contact EDFUND at 800/298-9490. Congratulations again on your hard work! California State University Northridge

COUNTY DF LOO MGELES : 0250 * : , DEfRNDAN7 • UDQMEWT - KATLURE fO APPEAR cecovec Iron de fend•n c e FUD AND EWTERGD 9D 8 r02/02 00au A. CPE ^\"=•^ OP SIC AaDvE nAHzo cou8r C. LLfTy , Oeputy

To c h« parties Ltd th«x r •ezorneya of reoord: Yen are height unix I xc-a i hat ttie at t4ehad cogy o£ rhe udgmenc 1'n the abo'ya. ant1c led cause tae an«a aa on 8/02yoz. I‘ucchec, echlbl'teyDepoe1t1'ons',' £ any, VIII 'be at sgosed of st the eng of 6o days from e Intron oC apggal to. i heceby cect I £y chat z aa a C1ez k oz cue above-=•- courc ana noc e pccty to rbta c•u>e: •na't ‹ aecveo. a Egg oI eh*s uoYlce end a copy o2 exe