Member Meeting Class 11-12-25
Borrower Lender Inversion and More Success Stories.
AI Meeting Summary Coming
Borrower Lender Inversion 11-5-25
Meeting summary – AI Summary information, not guaranteed 100% accurate.
The meeting focused on legal and financial education for YouAreLaw.org members.
TJ led discussions on spiritual protection, affiliate programs, and upcoming events. The main topics covered included borrower-lender inversion concepts, debt collection strategies, and the importance of understanding legal entities and trust structures. Various members sought specific advice on tax matters, credit disputes, and legal documentation, with TJ providing guidance on handling IRS documents, challenging credit repositories, and responding to debt collectors.
Next steps
TJ: Find and post the senator/congressman letter document in the correct location on the website for Heather
TJ: Announce the affiliate program when it’s ready
TJ: Appear on radio show live out of Las Vegas next week, probably Wednesday
Adriana: Take screenshots of the IRS online form process in numbered sequence and email them to TJ to review the trust/church options
Bettina: Continue sending certified mail letters to credit bureaus using the online certified mail service
Michael: Send motion to dismiss for lacking standing in response to summons
Review the How to Win in Court Without a Lawyer course for court procedures – http://youarelaw.org/jd
Louie: File a motion to dismiss based on party lacking standing
Louie: Review the hospital bills section in the course for his son’s medical bills
Sylvia: File a W-4 exempt form for the current year and send it to the company’s CPA
Meeting Instructions and Introduction
Mary welcomed participants to the Zoom meeting and provided instructions for entering the meeting ID and participant ID. TJ announced that they would be starting the meeting shortly and asked everyone to stand by.
YouAreLaw.org Affiliate Launch
TJ led a meeting for YouAreLaw.org members on November 12th, 2025, emphasizing spiritual protection and the importance of self-education regarding legal and tax issues. He announced the development of an affiliate program to allow members to earn income by referring others to the platform, which is expected to launch in the coming weeks. TJ also discussed upcoming events, including a radio show appearance in Las Vegas, and encouraged members to utilize available resources and courses on the website. He reminded participants to use the designated support page for account issues and to access premium content through the appropriate member pages.
Borrower-Lender Inversion Concept
TJ explained the concept of borrower-lender inversion, where the bank is actually borrowing the signature and creating credit out of thin air, while the borrower is the true lender and creditor. He emphasized that most people handle their debts incorrectly by not understanding this inversion. TJ also discussed the 1099-A form, explaining that it is used to recover an abandoned asset by demanding proof from the bank that they hold the original note. He stressed that understanding this inversion process is crucial for effectively challenging debt claims in court.
Borrower-Lender Inversion Strategy Overview
TJ explained the concept of borrower-lender inversion, emphasizing the importance of standing in legal disputes and the strategy of claiming abandoned security interests through the Treasury. He advised participants to act as creditors and focus on collecting debts rather than discharging them, using the 1099A form to facilitate this process. TJ also discussed the importance of notifying credit bureaus during the process and encouraged participants to sign up for online access to challenge credit reports. He concluded by encouraging participants to watch a related video on the blog and consider advanced training for more in-depth understanding.
Certified Mail and Trust Advice
TJ advised Bettina on using the Certified Mail Online service- https://www.certifiedmaillabels.com/ for sending letters, emphasizing its convenience and security features. He recommended including a tracking number on the letter and keeping electronic and printed receipts for evidence. Adrianna sought clarification on selecting an irrevocable trust option for a 508C1A form, and TJ explained the importance of avoiding statutory trusts while ensuring the trust is non-taxable. TJ assured Adrianna that even if the trust classification is challenged, other exemptions, such as lawful money deposits, provide additional protection.
Debt and Trust Resolution Strategies
TJ and Adrianna discussed the process of handling debt and trust issues, focusing on the differences between statutory and non-statutory trusts, and the importance of understanding and challenging the opposing party’s standing. TJ advised Adrianna to be persistent but not impatient, especially during the holiday season, and to take screenshots of online processes for further review. Michael inquired about the process of contesting credit repositories, and TJ confirmed that the necessary information is available in the course materials, emphasizing the importance of constant communication with credit bureaus.
Legal Entity Protection Strategies
TJ explained the concept of operating under different legal entities, particularly through trusts, to minimize personal liability. He clarified that a person is an entity created by the state at birth, distinct from the individual, and emphasized the importance of operating under a new trust to reduce exposure to personal assets. TJ also discussed how lawyers often target individuals with visible assets and explained the strategy of threatening legal action to extract settlements from those with substantial assets.
Property Trusts and Debt Management
TJ and Michael discussed the process of transferring property titles to trusts and the implications for mortgage transactions. TJ advised Michael on handling debt collections, emphasizing the importance of using certified mail and setting deadlines for collectors. Sunny shared her experience with filing a small claims court case and her strategy for dealing with creditors who have not responded. TJ encouraged Sunny to continue applying pressure on the creditors and offered advice on using the “Indigent” status to deter collectors.
Trust and Legal Strategy Discussion
TJ and Armen discussed legal strategies for handling a trust and driver’s license situation in court. TJ advised Armen to maintain a position as a beneficiary without taking on additional burdens of proof, emphasizing that the trustee has the duty to respond. They explored the concept of signing documents “without prejudice” and how this could be used strategically in court. TJ shared a personal anecdote about using this approach in a federal case, highlighting its effectiveness. Armen clarified questions about proving the existence of a contract and the implications of signing documents without reading them. TJ stressed the importance of asking “deadly questions” and using conditional acceptance to challenge opponents.
Lawful Money Tax Payment Strategies
TJ explained to Avery that lawful money deposits are adjustments to income rather than deductions, and clarified that any refund would be from overpayment of taxes rather than the income itself. They discussed the use of bill of exchange instruments for tax payments, with TJ noting recent updates to this material. J…T inquired about the effectiveness of these tax strategies, to which TJ explained that while they were recently added, they are based on Supreme Court rulings and not lower court cases. TJ also mentioned that some banks have refused to process lawful money transactions, which he views as a positive sign of the strategy’s effectiveness.
Tax Document and Debt Advice
Heather sought help from TJ regarding a missing IRS document needed for tax-related matters, and TJ promised to locate and reorganize the document for easier access. TJ explained the importance of the document in proving non-willful intent for tax non-filing and mentioned ongoing updates to the course layout and pricing structure. Additionally, TJ provided guidance to Louie on handling a summons from a third-party debt collector, emphasizing the use of discovery requests and challenging the debt collector’s standing. TJ also advised Sylvia on responding to her employer’s CPA regarding wages and tax exemptions, recommending she complete a W-4 exempt form annually.