Bombshell Report Reveals Government Conspiracy To Defraud Homeowners
Summary
TLDRIn this conversation, Mitch, a 35-year builder developer, reveals a shocking fraud in Texas's property tax system, where local governments are artificially inflating property values to meet budgetary needs. He discusses the legal battles against Denton Central Appraisal District and the systemic issues leading to a potential economic crisis. The discussion highlights the broader implications for homeowners, investors, and the US economy, urging for accountability and reform.
Takeaways
- 😲 The conversation reveals a potential large-scale fraud where local governments in Texas are accused of inflating property values to increase property tax revenue.
- 🏢 The issue was discovered by a developer who noticed his property was being overvalued, leading to a cascade of investigations into appraisal districts.
- 📊 The developer used statistical analysis to demonstrate that the appraisal district's data was fraudulent, with some properties overvalued by as much as 92%.
- 🏛️ The problem is systemic, with evidence suggesting that appraisal districts are under pressure to meet predetermined tax budgets, leading to manipulation of property values.
- 📉 The inflated property values can lead to financial distress for homeowners, especially if they cannot afford the higher taxes on their homes, which are now overvalued on paper.
- 💼 There's a concern that the practice is not isolated to Texas but could be happening nationwide, affecting homeowners and potentially impacting the broader economy.
- 🏦 The inflated property values also impact municipal bonds, as the tax revenue from these properties is often the collateral for these bonds, creating a potential risk for investors.
- 🏗️ The issue could lead to a crisis in the real estate market if homeowners are forced to sell their homes due to unaffordable tax burdens, which could depress property values.
- 🤝 The discussion highlights the need for collaboration between individuals, such as the developer and legal experts, to challenge the fraudulent practices and seek legal recourse.
- 🔍 The conversation suggests that there may be political and economic incentives for local governments to maintain the status quo, despite the negative impact on citizens.
Q & A
What is the main issue discussed in the conversation?
-The main issue discussed is the alleged fraudulent over-valuation of properties by local governments in Texas for the purpose of increasing property tax revenue, which is claimed to be systemic and affecting homeowners across the state.
Who are the key individuals involved in the discussion?
-The key individuals involved in the discussion are Mitch, a 35-year builder developer who has been investigating the property tax fraud; Robert Barnes, an attorney; and George, who is moderating the conversation and providing insights from an economic perspective.
What is Mitch's background and why is he involved in this issue?
-Mitch is a 35-year builder developer with a background in statistical probability and quantitative finance. He got involved in this issue after realizing that Denton Central Appraisal District was committing fraud on the public by manipulating property values.
What evidence does Mitch present to support his claims of fraud?
-Mitch presents evidence including audio tapes, video recordings, and statistical analysis showing that property values were manipulated outside of the database in Excel, and that the appraisal district admitted to these practices in public meetings.
What are the implications of the alleged fraud on homeowners?
-The implications include homeowners being charged higher property taxes than they should be, potentially leading to financial strain and the inability to afford their homes, which could result in property tax auctions and homeowners losing their properties.
How does the conversation suggest that the appraisal process is being manipulated?
-The conversation suggests that the appraisal process is being manipulated by using non-compliant comparisons for property values, ignoring standard appraisal practices, and adjusting property values to meet predetermined budget targets set by taxing entities.
What role do the appraisal review boards (ARB) play in this issue?
-The ARBs are supposed to provide an independent review of property appraisals, but the discussion suggests that they may not be independent and are part of the same fraudulent system, potentially being influenced by the Central Appraisal Districts (CADs).
What is the potential legal recourse available to homeowners according to the discussion?
-The potential legal recourse includes filing lawsuits against the appraisal districts, the registered property appraisers (RPAs), and potentially the appraisal review board members for fraud, perjury, and violation of oath of office.
How does the conversation address the issue of political and institutional pushback?
-The conversation acknowledges that there will be significant political and institutional pushback due to the widespread nature of the alleged fraud and the financial interests involved, including potential impacts on bondholders and pension funds.
What steps are being taken to raise awareness and provide resources to homeowners?
-Mitch and others are working on creating templates for legal challenges and providing educational resources to homeowners, with the aim of making the process of challenging appraisals more accessible and highlighting the extent of the alleged fraud.
What is the website mentioned in the conversation for more information?
-The website mentioned for more information and resources related to the property tax fraud issue is 'Mockingbirdproperties.com, dccad'.
Outlines
🏛️ Introduction to Property Tax Fraud Investigation
The speaker introduces the topic of property tax fraud in Texas, highlighting a shocking revelation by a new acquaintance, Mitch, at the Limitless conference. Mitch, a builder developer with a background in statistical probability and finance, uncovered fraudulent practices by local governments in Texas regarding property tax assessments. The speaker emphasizes the need to hold these entities accountable and prevent future fraud, inviting Mitch and Robert Barnes to discuss the issue further.
📊 Uncovering Systematic Property Tax Fraud
Mitch shares his background and describes his journey in uncovering the fraudulent property tax practices in Texas. He details how the Denton Central Appraisal District manipulated property values, leading to inflated tax assessments. Despite winning lawsuits against these practices, Mitch emphasizes the financial burden on property owners. The discussion reveals a broader conspiracy involving the manipulation of data and a lack of adherence to legal appraisal standards, affecting homeowners across the state.
🏢 The Impact of Fraudulent Property Tax Assessments
The conversation delves into the implications of the fraudulent property tax assessments, suggesting that local governments are artificially inflating property values to meet budgetary needs rather than following legal appraisal formulas. This practice not only affects individual homeowners but also has broader economic ramifications, including the potential collapse of the housing market and the destabilization of municipal bonds that rely on property tax revenue.
🤝 Collaboration to Combat Property Tax Fraud
The discussion highlights the collaboration between Mitch and Robert Barnes to address the property tax fraud. They discuss the legal battles they've faced, the resistance from judges, and the broader implications of their fight against the fraudulent practices. The conversation underscores the need for a collective effort to challenge these practices and bring about systemic change.
💡 Strategies to Address Property Tax Injustice
Mitch and the group discuss potential strategies to challenge and rectify the property tax fraud. They consider the possibility of mass appeals and lawsuits to overwhelm and bankrupt the Central Appraisal Districts (CADs) responsible for the fraudulent assessments. The conversation also touches on the need for education and awareness to empower homeowners to fight against these injustices.
🌐 Broader Implications and the Way Forward
The conversation concludes with a broader examination of the property tax fraud issue, suggesting that it may be a nationwide problem. The group discusses the potential economic collapse that could result from the cumulative effects of these fraudulent practices and the importance of taking action before it's too late. They also emphasize the need for continued research and legal action to address this systemic issue.
Mindmap
Keywords
💡Property Tax
💡Appraisal District
💡Fraudulent
💡Statistical Analysis
💡Standard Deviation
💡ARB (Appraisal Review Board)
💡Tax Assessor-Collector
💡Municipal Bonds
💡Due Process
💡Systemic Fraud
💡Cad (Central Appraisal District)
Highlights
Mitch, a 35-year builder developer, discovered fraudulent property tax practices in Texas.
Denton Central Appraisal District allegedly manipulated property values, causing tax increases.
Mitch's properties were targeted, with values inflated despite a decrease in rental income.
Legal battles against the appraisal district have been won, but at a high cost.
In 2023, the chief appraiser admitted to manipulating 60,000 properties' data outside the database.
An infection rate spreadsheet analysis revealed a 76% corrupt database.
The appraisal district used non-compliant comparisons for property valuations.
The fraudulent practices are systemic, affecting homeowners' ability to pay taxes and potentially impacting pension funds.
There's evidence of a predetermined budget driving property value inflation, bypassing legal formulas.
The issue is not isolated to Texas; it's a nationwide problem affecting 47 states.
The appraisal process is subjective, lacking uniformity and proper standards.
School districts and other taxing entities are at risk of bankruptcy due to unsustainable tax practices.
The property tax system is compared to the subprime mortgage crisis, with similar denial and lack of intervention.
Fannie Mae and Freddie Mac are also implicated in the appraisal fraud, pressuring appraisers to hit target numbers.
The solution proposed is to eliminate property taxes due to the corruption and shift to a more objective tax system.
Mitch's website, Mockingbirdproperties.com, offers resources and data to help homeowners challenge appraisals.
The conversation emphasizes the need for widespread awareness and action to address the property tax fraud.
Transcripts
hello fellow Rubble capitals hope you're
well I am here with my good buddy Robert
Barnes and a new friend of mine his name
is Mitch and Mitch came up to me at the
Limitless conference I was there with
Kenny marroy and uh hiosaki and RFK Jr
was there and Mitch
revealed um what I mean there's no other
word for it it's shocking it's
absolutely shocking um it's almost like
a Michael bu type of investigation but
instead of mortgage back Securities and
derivatives uh Mitch has gone into what
these local governments in Texas are
charging people for property taxes and
it's it's it's it's fraudulent to say
the least so when Mitch came up to me at
the Limitless conference I said look
I've got to get you in touch with Barnes
uh because this is right in his
wheelhouse so I wanted to invite both of
them on so Mitch could explain exactly
to Robert what's happening uh you guys
could just be a fly on the wall and then
get Robert's feedback
on you know what we can do uh to you
hold these people accountable and make
sure that this isn't happening into the
future so uh Mitch do you want to go
ahead and introduce yourself just give
your your your backstory really quick
and then tell us how you came across
this um you know quite literally a
conspiracy to fraud homeowners in Texas
sure um I am a 35-year builder developer
with a background is statistical
probability and quantitative Finance I'm
originally from Windsor Ontario Canada
and I left my home country because of
the socialism and now here I am
investigating what has come our way
since
2016 when I realized that Denton Central
Appraisal District was committing fraud
on the public and I didn't realize the
depth in 2016 but I knew something was
wrong and then in
2017 that's when we really started
digging in because they tried to jump
the value of one of my retail buildings
from what had been settled in 2016 at
roughly a million dollars to
1.7 well coincidentally my income went
down if my income goes down on an incom
producing property please explain how
the value goes to 1.7 in other words
even at 1.7 the income off the property
could not support the taxes the property
could never generate the revenue to
support the
taxes so we filed 2017 all the way
through we've been filing year after
year after year
lawsuits we have won every single one of
them but this is not
inexpensive so finally what happened in
2023 I told Matt in 2016 there was a
wizard behind the screen doing this
because there is no computer system on
this planet that could be monking with
these numbers to the point what we had
discovered well in um August of 2023 Don
Spencer the chief appraiser stood in
front of the board and told the board
that they took 60,000 properties outside
of the database manipulated them in
Excel and put them
back the person who did it her name is
Rebecca Townsen she works directly for
Spencer here's the problem she's the
wizard behind the
screen admittedly okay a week after that
Charles Stafford the board of directors
member stands in front of the board and
tells the public Mr Spencer you and your
team are the Masters at
guessing those two issues alone prove
the entirety of the case they have
admitted to manipulating the data
but it gets even better so the day Mr
Spencer said that statement I have
something called an infection rate
spreadsheet which is actually used for
studying how fast a disease rolls
through a county or country so I applied
that math to Mr Spencer's statement of
60,000 and that turned out to be
76% corrupt
database and that proves right on the
spot that they're committing fraud on a
mass scale but it got worse so let's
just say that Don Spencer lied which is
a very high probability let's turn it
from 60,000 to 880,000 that became 92%
corrupt data and what they've been doing
year after year is not using true
comparisons so if you go all the way
back to 2016 and just on one property
that one property has six comparisons
for the sake of argument that's
typically what they use well if two out
of the six are erroneous such as what
they just did with with my house by way
of example
so they gave me a comp that's 35 miles
away in Carolton Texas and they gave me
another comparison in North Lake Texas
which is about 22 miles away yet I built
the subdivision that I'm literally
standing in right now okay the law says
you have to use like kind comparisons
how better can you get than the
comparisons from the own subdivision
from your own subdivision so the point
of the matter is they have cumulatively
compounded fraud at least since 2016
that we can prove
and on the overall scheme of things
therein lies the whole problem and
that's why their databases are
irretrievably corrupted and that's why
you have a whole host of co-conspirators
and the people we're calling
co-conspirators are those who have
signed an oath as oath of office to
protect and defend the constitution of
the State of Texas and the United States
of America they violated that oath and
under Texas Penal Code that's a third
deegree
felony so as I keep saying they do not
have a defense they're caught yeah so
Mitch let me just put this in layman
terms what's happening is according to
your
research the local governments in Texas
are saying well we need x amount of
money this
year and well let's just say it's a
billion dollars and for us to get the
billion dollars in property taxes we
have to increase the appraisal value of
the overall housing stock by let's say
30%
and where whereas obviously they're
they're kind of reverse engineering the
number they need instead of abiding by
the
law which gives the appraiser a
formula to use and based on this formula
that's what the housing price or the
appraisal should be and then you're
paying a percentage of that but
unfortunately if they were being honest
about it the county or the city wouldn't
get enough of these property tax tax es
to fund the local school districts nor
would anyone buy their bonds because
let's remember that the cash flow from
these property taxes is the underlying
asset from a lot of these municipal
bonds that are being sold so you have
this daisy chain you have this domino
effect where they got themselves painted
into a corner where they said look we
we've just got
to literally commit fraud on homeowners
and we've just got to increase the their
property values based on how much tax we
need them to
pay and so I mean that's what's going on
that's at the heart of it here and you
think that this is being perpetrated not
only in Texas but Nationwide
possibly yes we have now have at least
one person from 47 different states that
have sent us emails and or sent us
evidence so we know that this problem is
a full-blown cancer over and above that
it's all the way into Canada so in
Canada the only difference is that they
have what's called C they put a c in
front of it usap uniform standards or
professional appraisal practice it's the
exact same formula that's the that just
to be clear that's the formula that's
the algorithm that by law these
appraisers are supposed to be using yes
that's the totality of the formulas it's
a 384 page document but it says these
are the types of comps you're supposed
to use here's the category you're
supposed to use standard Dev to figure
out what the outliers are they don't do
any of that so George to your point the
key word is predetermined budget so
right what happens is the taxing
entities there 67 of them inside of
Denton County by way of example they
will meet with Don Spencer the chief
appraiser and say here's our budget go
meet it that's one layer of the fraud
okay the second layer of the fraud is in
fact what's called a property valuation
study which is the creation of the state
comp controller the property valuation
study is designed to take money from one
school district and ship it to another
school district here's the problem for
the state controller there's no law that
allows him to go to Don Spencer the
chief appr appraiser and says go
increase the properties to meet my
budget under the property valuation
study in other words State comp
controller has no Authority whatsoever
to denote what a value is on a
property second layer of
fraud in other
words they can't get past their own
documents literally the first paragraph
first sentence on the Denton County
website that says we adhere to usap is a
straight up lie they don't none of them
do this has gotten to the point where
their databases are all garbage there's
literally nothing here that's working
and when Charles Stafford stands up and
says you're the masters of
guessing that statement couldn't be any
more true
that's really what's happening these
values are a pure guess to me to your
point a predetermined
budget yeah Robert what are your initial
thoughts the well uh what how have these
cases so far reach the court and what's
been the hurdles and obstacles so
far um the first of all 50% of their
case disappeared on the last judge so
the first judge in in that particular
court punted she didn't want to touch us
with a 10-ft pole before we sat down her
decision was made up she wasn't going to
hear this case end of story so she
punted and however we gave her a notice
and second
opportunity um which was the right thing
to do and she said okay fine bring it
back she wasn't in the courtroom when we
brought it back there was a sitting
judge there interestingly enough that
guy actually read the
brief and he said he looked at me and
looked at my my attorney said Mr vexler
um this is a societal issue and then he
went down the rabbit trail of Chevron
Defence which I'm extraordinarily
familiar with because I actually wrote
an amicus brief having to do with that
issue so he on his own we it wasn't part
of the conversation well he turned to
defense Council and said I hate to
inform you Mr metf but um your client
Don Spencer is the party responsible in
law and then he went on a 15minute
lecture on behalf of my attorney setting
up his situation the way he wanted it
done for my attorney to hand off to the
Appel Court in Fort
Worth this judge got it and he said this
is a societal issue boy did he get it so
the problem that the state of Texas has
not realized yet is that every time
somebody in the state of Texas punts on
this case that pushes us one step closer
to the US Supreme Court because the
sovereignty Clause under the US Supreme
Court trumps anything that the state can
do and then of course you get into the
16th Amendment versus what the state has
done because in reality market value
okay is not allowed under the 16th
Amendment tax on income is tax on
unrealized gains is not
so I'd like to be able to get you the 10
pages we'll we'll do that afterwards but
you'll be shocked as to how far we've
taken this because we took usap we tied
it to the math we tied it to the Texas
property tax code we tied it to the
Texas Constitution and we tied it to the
US Constitution so the answer your
question is what have been the hurdles
well kind of none because we're going to
win at the appell at court and then it
gets bounced back right to where we were
to the same court that didn't want to
hear it so assuming she hears it and
doesn't ignore the appell at court um
all this evidence will come out and then
we'll see where it goes from there but
they don't have a defense I mean they
literally jumped up and said oh you
can't touch us this is immunity no
that's not what the law says I can sue
the ARB members we can sue the chief
appraiser we can sue the rpa's
registered property advisers who have
committed perjury we can do all of that
we can file criminal complaints in fact
I've got 12 criminal complaints sitting
on my attorney's desk right now pending
getting past the appell court so there's
all sorts of things we can and will do
but we're at the end game of this
because they cannot defend their action
they're caught they've committed
fraud the have you had any success uh
approaching legislators or political
elected officials or anybody on on the
legislative side of the aisle or the
executive side of the aisle at inquiring
as to what's going on well there's a
fellow by name of Senator beton Court
who sits on the Texas legislature Mr
beton Court makes his living as a real
estate tax consultant he has zero
interest in fixing this problem at a
minimum he should have been forced to
recuse
himself and there are certainly powerful
people who have a benefit to ignoring
this
problem up until three and a half weeks
ago um I was completely unknown Travis
Spencer reached out and because he had
heard what what I was doing so we had a
conversation and then we put a handful
of videos together that have just jumped
off the charts in terms of what they're
doing so not that many people know this
circumstance its reach is somewhat
limited um only because nobody even knew
three and a half weeks ago that I even
existed I've never been on social media
I Didn't Know Jack squat about it so I'm
I'm kind of learning little by little
but the bigger the breadth of this like
I said there's now at least one
signature from 47 different states so
the more this gets pushed out every day
that goes by the more power we get and
there is power in numbers numbers so I'm
hopeful that eventually the Texas
legislature um will have no choice but
to wake up and smell the coffee because
the closer we get to the US Supreme
Court the worse this gets for the State
of Texas now there is a circular
argument there if we actually put it
into the federal court and we win well
this is a multi-billion dollar hit to
the state of Texas do I expect any money
no because the state doesn't have it and
you can't turn around to the taxpayers
and go get it
go what is the end game here the end
game is to eliminate the property taxes
and because Mom and Pop's balance sheet
has been decimated If you eliminate the
property taxes you put the power back in
Mom and Pop's hands where their balance
sheet in 30 years by virtue of the
principal reduction they can retire from
this plus a little bit call
$2,400 um a year stuck in an index fund
they'll put 900,000 in their pocket in
30 years from now there's things that
can be done the point is this is so so
far off the charts there is no other
solution because these cads have
literally taken something that's
supposed to be objective right usap is
about being objective you have to
quantify what you're doing they took
something that's supposed to be
objective and literally made it 100%
subjective and in the process destroyed
Mom and Pop's balance sheet mean 37% of
your population cannot afford the house
the roof over their head and and to that
point Don
Spencer on under threat of perjury stood
in front of the pre press stood in front
of the board and said well the average
price of a home in Denton County is
$514,000 okay that's mathematically
impossible he said the average price is
$514,000 the median household income is
$109,000
$109,000 at Max can only afford a
$296,000 home the the government's
actual number gross income to value is
28% the net result of that is that 67%
of your population total population
can't afford what Don Spencer was saying
is median value of a home if 67% of the
population can't afford it then it's not
the median or the average is
it he not only that yeah not only that
but uh if you keep raising these
property taxes just on this subjectivity
based on what the government needs at a
certain point the people can't pay it
and they're going to have to sell those
homes to extract the equity because they
can no longer afford they might be able
to afford their fixed rate mortgage but
they can't afford the maintenance they
can't afford the property taxes
especially if they're artificially you
know 100% higher than where they should
be they sell and then the property
values go down and I think the bigger
impact is on the Pension funds because
the there's a lot of financial
institutions that I'm sure have these
Bonds on their balance sheet where the
underlying asset for those Bond or the
the is the cash flow coming in from
these uh property taxes and if that goes
away or if that
declines then you blow a hole in these
Pension funds which goes right back to
the average John Jane so I mean I'm just
a Layman looking at this from the
outside uh looking in but my goodness
gracious I think you're going to get
some m massive push back I mean keep
doing it it's incredible but there's
going to be a lot of powerful people and
this could take them down
including a lot of the Pension funds and
and who knows the systemic risk there
I'm just looking at from an economic
standpoint but Robert uh go ahead I
didn't mean to cut you off there oh yeah
yeah the those are all good points uh
explain two things one is how do these
appraisers get into the positions that
they have in Texas are they elected are
they appointed are they appointed by
elected officials is at the local level
the state level and then secondly it
sounds like the subjectivity that you're
describing and increasing the appraisal
of the values the homes for tax revenue
purposes is not being done uniform in
other words that 30% of the homes say
are being HIIT do I understand that
right in other words are they saying hey
we're just going to jack up every value
of every home in our entire County by
25% because that helps us hit our
numbers or are they saying let's look at
the more say politically susceptible
communities and let's hit them or let's
do it randomly to say 30% so a majority
aren't objecting how how how is it
working in practice it's Target where
all the Trump voters live yeah exactly
well the property valuation study as
created by the state com controller is
in fact targeting communities they
targeted Aubrey Pilot Point Sanger but
the cheating under the hood so watch
this for a second we ran a standard
deviation analysis on my own subdivision
there are houses in the subdivision that
I built okay the value went down four I
went up
65% the uniformity of application is
virtually
non-existent then you get into the
commercial properties so this year I got
hit on an eight standard deviation move
on one of my properties so to be real
clear an eight standard deviation move
is one in 390 billion okay there's only
500,000 property tax accounts in Denton
County you know it can't happen so
that's how bad this is there's no
uniformity of application and you know
George to your point think of it this
way what do you think is going to happen
when 30,000 houses hit the market in
this Marketplace Denton County at one
time from those who can't afford it see
the cumulative effect and then to your
point about the bonds this is off theart
charts how bad this is so watch this
one I hand or the cat hands to the
taxing entity let's call it lville
Independent School District I'm sorry
Mitch who's the cad Central Appraisal
District Denton Central Appraisal
District it doesn't matter whether it's
Denton or Oklahoma a Central Appraisal
District is a Central Appraisal District
okay got it the school district itself
you understand that the balance sheet of
a school district virtually has no
assets when you read the balance sheet
what does a school have the the
buildings okay I've bought buildings
from schools you tear them down the land
that's under the buildings is levered
it's called a bond they have bonds for
land they have bonds for buildings they
have bonds for uh driveways they got
bonds for roofs they got bonds for
stadiums it's a spaghetti bowl of bonds
but George the point that I I want to
make is
that who are the bond holders it's the
Pension funds okay the school board has
no assets except the deemed ability to
get taxes from the taxpayer that we've
already gone through can't afford it so
the Tipping Point is here the Tipping
Point is now because there's no Mass to
support any more growth or fraud at the
level of the taxing entities such as the
school districts who are the pension
holders it's not Morgan Stanley Morgan
Stanley goes to the pensioners and says
give us multiple Pension funds give us
the money we'll go put it into some of
these school districts into their bonds
okay the problem is that by way of
example LISD hasn't paid off any Bonds
in three years what are they doing with
all these bonds they roll them out and
they roll them up they roll out the
timeline and they roll up the interest
rates three years ago 2.78 today let's
call it 7.78 on average so instead of
paying the stuff off when it was dirt
cheap they just kept compounding so I
call it cumulative
compounding their method is the exact
reverse of what an amortization schedule
is supposed to be they're amortizing up
amortization schedules when you own a
house you amortize down you're able to
pay it off in 25 or 30 years they can't
they never have they roll up and they
roll out the cumulative compounding
effect of the fraud is why we're at the
Tipping Point and why they can't use
usap or anything else because they've
created a systemic fraud that can't be
paid off and as far as those powerful
entities saying well you know we're
going to object we're going to object
you can object to the cows come home
this game is over you're being exposed
and it's going to happen whether I'm
standing here or not because Mom and Pop
can't pay what are you trying to do
cause a civil war you make people
desperate they're going to do desperate
things we're trying to say wait a minute
this has gotten out of hand this is
fixable painfully but it's fixable if
you let it go to the point where the
market jumps in front of you it's
everybody this is game over this will
affect the billionaires because what's a
billionaire guy going to do he's got 400
employees and all of a sudden let's say
50% of them show up and say I can't pay
my taxes what do you think is going to
happen to that Billionaire's
company this is a systemic problem and
to be clear Mitch can you explain how
these school districts are going to
these uh I guess these trials and saying
no you you you can't put a freeze on the
uh tax increases until you figure this
out because we bust so so they're on the
brink on the brink of going bust as it
is and that's with the artificially High
the
fraudulent numbers that they're getting
from these from these cads so if they if
they were actually to get the tax
revenue that they are supposed to get
then they're they're they're done these
school districts are completely done and
then I they go to bankruptcy or I mean I
guess that's a question for Robert
we put um an article together on behalf
of a school district called itasa
itasa um Southside of of Texas was
actually funding okay solar Fields
through the state comp controller's
office there's no law allowing that it's
called a 313 agreement State comp
controller created the 313 agreements
the memo that I put together said it's
my recommendation and my humble opinion
that itasa school district should be put
into chapter nine effective immediately
and completely
Unwound the value of those solar Fields
do you know that they signed those
agreements with no guarantee of Return
of principal and no guarantee of Return
of
investment no return on investment so
the bottom line is George you said it
100% I mean these school districts don't
have the money so in Taran County
literally three weeks ago two and a half
weeks ago Teran Appraisal District said
we're going to freeze these real estate
taxes effect immediately for the next
three years seven days after they said
that a lady by name of Emily wolf wrote
an article and she recorded that meeting
and in that article and in that meeting
U all the school districts of tarant
County that's Fort Worth showed up and
said you cannot freeze these values and
you must annually keep increasing them
or we're bankrupt at which point I
chimed in and said listen idiots you are
bankrupt today that money doesn't exist
because what they refuse to look at is
who's paying it that's Mom and Pop and
we already know we've got the evidence
that 37% of the households can't pay it
they're going to go broke Andor they're
going to lose the roof over their head
and therein lies the problem they simply
will not recognize the fraud that they
have created year after year it's
cumulative compounding effect we're at
the Tipping Point they just don't want
to pay attention to it my point is if
you let the market start to push this
down you will not be able ble to stop
this snowball when this gets to the
point of the bond holders when those
Bond holders wake up and smell this
fraud they will sue everybody and
everything in sight now they won't be
able to collect from the school
districts because again they're not
worth anything but that's not the point
they'll go after the individuals which
they can do in law they can bankrupt
everybody in sight anybody who's touched
this is In Harm's Way they think they're
not but they
are the go ahead Robert yeah I was say
you know uh in 2002 I was a young lawyer
two years out of Law School uh and
joined a public interest law firm with
an old uh tax lawyer uh that had retired
from tax law and wanted to do public
interest work so and we ended up
representing for a range of reasons uh a
bunch of folks who are getting scammed
in their homes in mortgages by every
means possible holder and due course
principles were being used to basically
create Fly by Night operations Etc long
story short we stumbled into the
subprime real
estate coming implosion six years before
it happened and we put it all together
figured out what was happening how was
happening why it was happening how you
know the collateralization of these
loans was a creating and was
incentivizing people getting bad loans
on bad reasons I mean people know about
the part of people who didn't have
credit getting loans that they couldn't
repay they don't know about all the
equity stripping that also took place
you know you hire a 20-year-old model to
go take out a sixpack of beer to the
widower Grandpa and all of a sudden he's
refi on a home he didn't need a refi on
uh the and things like that that took
place but when we went for legal relief
and remedy outside of individual cases
of individual PL ifs before courts the
the all the political class had no
interest in hearing about it uh even
though we explained all mean I remember
detailing we had six of the biggest bank
representatives there talking about
here's what's going to happen you know
talking about the big short six years
before the big short and they but there
was too much money in it too much money
in it for the financial side too much
money in it for the politician side they
didn't want to touch it with a 10- foot
pole and they would rather let it all
implode and blow up then take Pro
protective proactive action because you
have to try to find somebody in the
system who is not corrupted by the
incentives in place because what you're
describing is State profits from this
County profits from this the city
profits from this the elected officials
the appointed officials keep their jobs
and get their jobs from this the elected
officials get to keep their jobs because
we're not raising taxes only you know
some people's houses went up some
people's building properties went up
that's all but we're not raising any
taxes I mean that's how they could
otherwise solve this problem they have a
revenue need fine raise the property
taxes across the board problem is then
you get thrown out of office because
that's mismanaging the budget according
to most votes and and the problem is
people don't have the money anymore
Robert that that's the problem even if
they wanted to solve the problem by
increasing taxes even more there's no
more money left that the the turnup has
been go ahead yeah you can always
squeeze the Tomato so hard so long the
then that flips in the other side of how
this plays into institutional actors you
know that you'll you'll own nothing and
be happy I mean so like when I was
digging into end up representing people
against Wells Fargo and you know vulture
funds and all the rest people who own
different kinds of businesses they got
flipped into bad loans and then got had
their properties taken from out from
underneath them often the same thing is
happening for Farms right now in the
United States Farm Banks supposed to be
helping Farmers they're not they're
they're squeezing Farmers to sque to
steal their farms at bottom Barrel
prices because a lot of farmers got
hammered due to the lockdowns like take
almond farms in California you can't
stop growing almonds but you you had to
stop shipping them and people had to
stop buying them so what happens price
collapses at the same time and your
input items labor and fuel cost Spike
all of a sudden you're underwater for
say two three years well the farm banks
are supposed to be there to help you by
federal law are instead coming in and
using that Spike to say Hey you missed a
payment screw you we're going to put you
into non-judicial foreclosure we're
going to sell your property in six
months why because somebody else is
coming in and wants that property on the
cheek that's the other fact you can't
fully exclude who is looking at these
properties and thinking we don't mind if
these go to property tax auction uh
because we get them at a certain
discount that that they can individually
and institutionally profit I mean you
look at who's been buying up a lot of
real estate in the United States over
the past five years one of the things
you mentioned Robert Kennedy's been
talking about goes the why is all of a
sudden housing so inaccessible for say
middle class Millennials and Zoomers it
might have something to do with some of
the Wall Street funds that are involved
in almost trying to monopolize parts of
that market space the uh and you're
talking about the same compy companies
that have overlapping interest
everywhere you look I mean black Rock's
basically like its own country at this
point uh it's got 10% of this 50% of
that 20% of this you know over and over
again so the hurdle you'll face is not a
legal one it'll be a political one that
judges are politicians like everybody
else all the legislators and executive
branch people are politicians by nature
and what you're describing is something
that an honest prosecutor an honest cop
an honest Sheriff an honest political
official an honest appointed official an
honest executive branch official I mean
I do have confidence in the Attorney
General's office in Texas but he's
taking on everybody already he's suing
fizer he's doing you know attorney
general Paxton well you if if I if we
went to him with this one he'd be like
okay so you want me to upset pretty much
everybody in the entire State uh every
city politician County politician State
politician because what you're
describing is the state profits from
this uh and then you got all the bond
holders and you point out the conundrum
that Bond holders would have if they
actually highlight this fraud they
probably never get repaid that they're
better off keeping the fraud alive as
long as they can it's like the perverted
Marketplace that developed when I was
when we were doing those subprime
lending cases in 2002 people were so
invested they couldn't stop even even
when we kept saying you're going to go
off the cliff this doesn't work long
term this is unsustainable this is
Venezuela uh and and yet so I think
that's there's a lot of legal theories
now I think there's insurance companies
that could be sued there's a range of
other uh pra people connected to this
that could be sued a suit on behalf of
bond holders could be brought the the
the hurdle you'll have is all the
institutional incentives of all the
people in positions of power would be
for this case to never see the light of
day yeah but I mean even if Mitch wasn't
here the rubber meets the road because
you're you're trying to steal from
people money they just flat out don't
have and and Mitch can you explain to
the viewers how Fanny and Freddy also
profit from this scam so there's a
fellow by Nam of Jeremy Bago and Jeremy
is the proverbial 1600 pound gorilla in
the appraisal World he's a good writer
very intelligent guy and he did a video
with Travis Spencer and I've known
Jeremy now for four years or so five
years and Jeremy this is just literally
like 10 days ago so he explained that
the appra rers that work for Freddy
Fanny HUD are literally being forced to
commit fraud to hit the target number on
those appraisals or they get fired or
they don't get another job so same and
then Robert asked a question which is
really good he I think he said how many
what does it take to be an RPA well
here's something that's so sick and
perverse it's off it's crazy 50
hours how the world as a person with 50
hours of training by the way the license
is from tdlr Texas department of
licensing and regulation the same entity
that regulates bikini wax people
okay 50 hours how can a person with 50
hours of training be able to stand
toe-to-toe with me on an income and
balance sheet they don't even know what
it
is so it's it's literally the definition
of the blind leading the blind they
don't know what a standard deviation is
so you run into all these problems and
then that is exactly where Jeremy Bago
was going well it turns out that okay so
Bago is talking about HUD Fanny Freddy
that they've got they're being forced to
commit fraud or they don't eat well
that's exactly what's happening inside
of the cads hit the target number you
the appraiser the RPA or you're out of
here hit the target number or you don't
get your
pension this thing stinks to high heaven
in every single Avenue you look at and
the only way out of it is is eliminated
because you have to have something
that's objective well a sales tax is
objective now yes it's got to have a
little bit of work done across all the
states but the point is the system is
there and it can be fixed to the point
where you eliminate all this
subjectivity and stop people from going
bankrupt that don't have the
money yeah when you include Fanny and
Freddy in this as well it's my goodness
I I absolutely think that we should try
to solve this problem but you've got to
go through some serious economic pain uh
to to solve this problem because there's
so many Financial entities that have
benefited from this ruse you
know sounds like George it sounds like
oddly enough like China it sounds like
know China's local governments are all
tied into their real estate so any way
they can raise revenue and they caught
themselves in a situation that they
couldn't even a communist country
couldn't figure out its way out of it uh
you know that has complete State Control
still couldn't find
a means to pull out uh with in time
because everybody got to aligned with
the same incentives well let's just see
if we can get it going keep it going for
one more month maybe maybe two more
months and just had that was the their
Horizon uh but I I agree with you George
I think a best approach on this to reach
someone that might do something about it
if you're talking to a judge who puts
together oh okay you want me to upset
everybody in the world is this is
unsustainable that you know that you
want to be the judge who steps in front
of 2008 in 2006 not
2009 and because ultimately they've
created a problem for themselves mean
aside from all the illegality that's not
functional that's not
sustainable uh what's amazing of course
is Cala Harris is going around talking
about a National Property Tax I mean
disguising uniz yeah unrealized capital
gains tax but there's a legal word for
that it's property tax that's what it is
uh I mean that's what the 16 amendment
does prohibit at the federal level so
the uh uh now have you had any success
using like Foya or Sunshine laws to get
to sort of uh maybe get more
incriminatory information that might be
buried somewhere in a government email
or document or file um at this point we
really I believe don't need it because
we've got so many audio tapes of these
people at dcad I mean it's on tape it's
on video we have judge eids standing in
Fr of the county Comm he is the county
commissioner standing at the
commissioner's board defending Michelle
French who's a tax assessor collector
after the two of them were yelled at by
one of the taxing entities the mayor of
Lakewood Village and he happens to be a
forensic accountant and he was jumping
up and down saying every single one of
your numbers is fraud you can't do this
he was so mad and so frustrated he
simply turned he yelled at them turned
around walked
out so we've got it we got the Audio I
mean we have so many people pieces of
evidence like I said they don't have a
defense it's just people don't want to
pay attention but there's another way to
get to this right because it's gonna
there's another way to break the cads
there's these people are dancing on a
razor blade so if you if 40% of the
population simply said that's it we're
going to go full throttle and go to an
ARB appraisal review board process and
we are going to take the process all the
way through to the end of that ARB well
40 % of the property owners went and did
that you can break the cat there's more
than one way to skin the cat and that's
an individual I assume in Texas has the
right to appeal administratively through
the bureaucratic process to the
appraisal review board any increase in
the valuation of their home yes but the
appraisal review boards are supposed to
be independent bodies they are not they
are bought and paid for by the cats it's
it's all part and parcel of the same
fraud but that's kind of not the issue
the issue is bankr the cads the more
people that file lawsuits like there's
588 lawsuits on average that get filed
at Denton Central Appraisal District if
you double that you just bankrupted the
cad if you say that's it we're going to
go from uh let's call it 7,000 ARB
protests we're going to ratchet that up
to 12,000 you bankrupted the cad there's
multiple ways to accomplish the same
goal now it doesn't fix the overall
fraud that's being systemic and it
doesn't fix the trillions of dollars
that are risk here because that's the
type of numbers you're talking about so
coincidentally I I ran that just the
other day and there's
3,143
appraisal districts or counties right
counties in in the state entire United
States if you simply said that they
overvalued the properties for each
County by 1.5
billion that is just short of one
trillion per year being stolen now just
to be clear Denton Central Appraisal
District did this to the tune of 67
billion so one and a half billion is
ungodly
conservative but you can start to see
the size of the numbers when taking
across the entire United States but if
37% of your population your household
population can't pay the bill what have
you done you know these are humans doing
this to other humans and we are at the
Tipping Point there's no money to pay
for
this so who should be put into
bankruptcy it's not Mom and Pop it's the
entities
themselves I mean from my standpoint I
don't I mean obviously Robert has a much
better idea as to how this will likely
play out legally but my thing is um
regardless of what giant entities uh get
in your way Mitch uh people have to know
about this they they have to know that
this is happening to them regardless of
how it it plays out it it's
just I don't know Robert how do we what
would be your base case as far as how
this plays out legally and then what
would be your plan of attack to make
sure that people knew as many people as
possible know the extent to which
they're being
defrauded and what can they do about it
yeah I think toold I think it's a good
idea that if people know their right of
protest and the basic rights of filing a
suit challenging their the appraisal
that what the ordinary person could
probably benefit from is like a One-Stop
shop template that borrows a lot of the
things he's already done right so that
they don't have to research it
reinvestigate it they could just plug
and play and say okay this is what
happened to me too and I can borrow the
legal language I can borrow the temp I
can borrow the uh the the accounting
lingo the Professional Standards
language the able cases out there so
that basically everybody can file those
in mass and and that would get the
Court's attention just because of the
volume and would get the defend would
get the cities and the counties
attention because of the volume you'll
have I mean I I do civil rights cases
right now against my hometown in
Tennessee and the way they handled
volume was uh they dischar they they
ended all contracts with private lawyers
and let their local associate Council
try to become a civil rights expert
overnight um and she's you know doing 30
cases uh and you know we'll see how that
works out for them but the smarter path
would have been to fix the underlying
problem but you know they're politicians
the what is interesting is I kind of
give him credit to a certain degree if
you're like a parks and wreck kind of
corrupt politician the it's kind of the
thing that you would think of oh we
don't ever raise taxes we just randomly
find 30% of the people to screw over and
just jack up their appraisals and we get
everybody invested in the process so
that everybody's got who's got cash in
their pocket other than the person whose
cat whose cash is coming out of their
pocket uh is uh is screwed and and we
can run on how we've never ra raised
taxes here in Denton County or wherever
it is uh as SC yeah it's it's a Boss Hog
level scam you know the
uh right exactly exactly what happens
Dukes of Hazard and and The Big Short
come to Denton County Texas
yeah that's just you just hit the nail
on the head there Boss Hog level scam
that's for sure and you to your point so
Travis Spencer it's a big job because we
now realize that this is across the
United States so he is in the process
and I'm working with him to get this
done but we are creating the templates
that people generically can use across
the states we're probably another 10
days away from having it finished and
it'll need polishing over time as as
people say well put this in put that in
but we're on the path to doing that to
help Mom and Pop and the more exposure
this gets it really is about Mom and Pop
because they don't have the ability to
understand this and because everybody's
busy in their lives but you're 100%
right that template would mean an awful
lot to a lot of people yeah and if it
gives us the ability to destroy the Cass
and bankrupt them regardless of what the
state level is doing Hallelujah whatever
we can do to destroy the cads
individually so be it if that means we
have to start suing the rpas themselves
under threat of perjury or under perjury
because they've committed perjury and we
have to start suing the members of the
ARB panels we're prepared to do it we're
prepared to take this to the US Supreme
Court well I mean you do have potential
they make it hard all the courts but you
do have potential civil rights claims
yeah because in some cases they're being
deprived of the well they are being
deprived of their property without due
process of law to there's an argument
though they make it difficult these days
uh in the tax regulatory context that
some of these are takings uh without
just compensation depending on the
circumstances in terms of what
ultimately happens to a lot of these
people that end up with their property
literally taken uh sold it a property
tax auction or the like the uh the
hurdle will just be a political hurdle
uh the they'll have all the ponas pilot
what I call the pones pilot pretext of
judges of why and where and how they by
golly they wish they could get involved
with but they just can't fix that
problem and you know they're standing I
used to say it's like election cases how
is it we go last two weeks ago Robert
Kennedy not being allowed on the ballot
according to the courts and this week
they're saying oh no no you have to stay
on the ballot by the same courts right
the uh uh it's I used to say that you
know it's it's not right by Spring
there's actually legal Doctrine called
ress uh it's moot by summer that's
another Doctrine M and it's latches by
fall uh you know how you know the uh so
that if you sue early too early sue the
right time not the right time uh you
know it's like Goldilocks uh you sue
late you're out and then of course maybe
just never have standing anyway and if
none of those four don't work uh
standing was the doctrine the Supreme
Court used to weasel out of the
collusion of government censorship with
Facebook and everybody else now luckily
Robert Kennedy's case is allowed to be
sustained but everybody else has got
toss uh or they go to immunity it's
either sovereign immunity it's statutory
immunity it's constitutional immunity
which is ironic because the doctor of
unity deres from the principle that the
king is God and thus can do no wrong so
the American Constitution American
Revolution was about overthrowing that
entire system of governance and judges
just made it up and invented it about
you know half a century in uh you don't
find a lot of immunity or standing or
ripeness or mootness or latches or
political question non
non-justiciability Doctrine
interpretations until more than a half a
century in in many cases even longer
than that some cases the word standing
didn't exist in American law until
1920s uh but they're all political
they're pontious pilot wipe our hands we
wish we could get involved but we can't
excuses it's not really a legal or
constitutional excuse It's a political
pretext for judges evading their
responsibility but I think the best
argument is that ultimately they're
they're in a Jonestown style suicide
paact if they keep going down this
financial self-destructive path on the
Practical side and on the how what can
probably best work is build a lot of
templates get the information and
education out to people so they know
it's happening number one and if they
Google it you know they Google you know
why did my appraisal rate go up
something like that they find some site
well Google won't help so we have to go
to another site to find it but the uh to
to find the information and then be able
to have templates out there so people
can like you're back during the vaccine
mandate stuff uh the the i w say I I
published a letter that came from a
bottle in the uh down the river it was
how it was phrased because the state
bars will say you can't provide legal
advice outside of Select
situations so the published a letter
that just gave it people a template
here's how to object to a vaccine
mandate if your employer mandates it
here's the kind of language the courts
tend to respect and recognize and there
were literally thousand tens of
thousands of people I've heard from
hundreds of them myself that use that
letter to to be able to protect
themselves so I think having templates
that ultimately starts in Texas but
probably does have to be across the
country because this scam is too good
for every County not to be dipping into
it it just just is what it is yeah when
Mitch first brought this to my attention
I'm like you know I hate to say this but
it makes sense like why would they not
be doing this especially in today's day
and age and you know another thing
Robert you touched on it earlier that
they could be targeting specific
individuals
based on their political views or based
on maybe something said on Twitter
because just think about it practically
if you do it to everybody you run a risk
of political blowback just the same as
if you raise the taxes you'd be better
off doing it on 30% of the people
targeting the most politically like my
guess is certain big corporate interests
that have property maybe they don't
Target them just as a matter of how they
might blow back on them so you target
the the the folks that have resource
ources but don't have big political
Capital maybe are new to the community
aren't deeply entrenched aren't don't
show up at every campaign fundraiser uh
aren't within certain constituencies
that are being politically protected and
so my guess is if you dig in you'll find
some discriminatory animus involved in a
fair number of these cases as well yeah
we've templ the templates would let you
do that easier because then you could by
based on who's filing uh these um
Appeals you could see if there's some
common denominators there well Pilot
Point Aubrey Sanger were specifically
targeted my subdivision was specifically
targeted how do we know that well we
know that because the average increase
in 24 okay 2024 was literally
24% here's the problem Pilot Point
Aubrey Sanger the average was double up
48% that cannot happen right if the
average across the entire county is 24%
please explain the double up right and
in those areas it's not because there's
so much growth now there is growth
there's no doubt about it but the growth
has got nothing to do when you're taxing
values on existing
assets right like I keep saying they
don't have a
defense they cannot attack on any of
these numbers it's their numbers we
didn't invent them we merely sprinkle
some statistical analysis and
probability on top of it and called BS
on all of it you're wrong you're lying
and we've got the evidence and by the
way the evidence is your own tapes it's
your own
audio it's your own certifications they
falsified a tax
certification okay in
22 you know the the best way to get a
good appraisal job is to put at the top
of your CV account it for Bernie maid
off this this makes Bernie M look like
AER yeah I mean Bernie was at least a
little smarter he tried to keep it
realistic yeah yeah M Mitch do you have
a
website yes so it's Mockingbird
properties.com
dccad and there are gigabytes DC a DC a
okay yeah and there are gigabytes of
data we're giving everybody everything
we have access to everything that we
have found it's all there we want
everybody to go and look and nobody I
mean you have to realize throughout
these lawsuits and everything no body
has been able to come back and find a
single thing that is wrong and we keep
saying listen there could be a mistake
that's fine we're happy to remove it and
we'll apologize for the one mistake but
here's your problem dcat I got another
1100 documents in behind it so it isn't
going to change the story We the
evidence is the evidence we didn't make
it they did it's government numbers
government
statistics yeah but but even more so to
get the word out and to to let people
know uh that this is just a possibility
that they could be U the government may
have been stealing from them quite
literally for the last five years due to
Art artificially increasing their
property taxes to a level where they
just shouldn't be by law and just the
more people that can actually know that
I think the better it's like a
crowdsourcing of this information and I
mean at the end of the day think about
how many people own their own homes and
if this were to be proven true I mean
you got people going to the streets with
torches and pitchforks I mean think
about how many pissed off people you're
going to have they're going to be quite
literally demanding their money back and
then this just opens up the
kimono in addition to everything that
we've seen since 2020 that shows you
know the average Joe and Jane that they
just cannot trust these governments and
they've got to hold them accountable no
and to Robert's Point um because I do
like to read history uh yes sir we are
back at the war of 18112 this is exactly
how the Americans were founded for the
exact same reason right it was the
British that said we're going to charge
you Americans a tax on your land
Americans future Americans said screw
you we're out of here bye-bye poof
instant War this is the exact same thing
playing out live except now it's worse
because it's levered to the tune of
trillions and there just the money just
doesn't exist so if you make people
desperate they will do desperate things
the goal here is to stop that from
happening before it gets out of the
shoot and just simply say do not let the
market get in front of this that's
there's going to be pain but if we do it
the way that we're saying to do it okay
the pain will be manageable do it the
way that the market jumps in front of it
when those Bond holders wake up there
will be no way to stop
this
yeah all right Robert any last thoughts
buddy I'm thanks a lot for coming on and
uh you had no idea what we were going to
do I just kind
of this kind of threw you baptism by
fire I I knew that you would love this
and it's right in your wheelhouse so I I
thought it'd be a great conversation
what do you think George from a economic
perspective in other words I mean it
would there be some interest in shorting
some of I mean like sometimes economic
actions lead to the necessary reform um
that's a good point is there is there a
way to short these Bond these bonds I
don't know but I'll definitely research
it absolutely because I mean you know
talk I always talk about the speculative
side of my portfolio I I mean just from
a a capitalist standpoint an investor
standpoint I mean I don't know a better
risk reward than shorting those bonds
that that's for sure at least the
portion of the portfolio so yeah I'll
definitely look into it do a video on it
and then um when we get offline here
I'll connect you guys via email so Mitch
if you have any questions or Robert if
you have any feedback uh you guys can
just communicate
and hopefully um you know the the power
of the community will help you have
higher odds of tackling this problem and
coming out uh Victorious uh but like I
said at the very least you're getting
the word out and opening up people's
eyes and that end end of itself is a big
win in my view absolutely and I just
want to thank both of you and I am truly
honored it's um Robert I'd like to get
you those 10 pages while those laws
being broken because you'll see how all
this stuff ties together but oh sure you
know like I said I'm quite honored thank
you Mitch one more Mitch one more time
can you give us your website please yes
it's Mockingbird
properties.com
dcad okay fantastic all right
guys as always make sure that you're
standing up for Freedom Liberty free
market capitalism we'll see you on the
next video
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