Let Me Show You Dodd-Frank Sucks!

Let Me Show You Dodd-Frank Sucks!

For years now I’ve been fighting for my life because of Dodd Frank legislation. Dodd Frank made it illegal for me to obtain a mortgage on a farm and business under development, I already owned outright and debt free! The USDA then denied me a farm loan to keep my farming operation in business, expand it, and continue development because my house was too big. My 100% equity was effectively ineligible for leverage. Contrast that with the Financial institutions that brought the house down while they were leveraged as much as 70 to 1.

Today I had a discussion about my issues with it on twitter, that along with many other impetus of the moment, bring me to wana share the lost opportunities Dodd Frank is currently causing my family and friends. The featured Image on this page is a graph of the Sub Prime bubble Wall Street created igniting Dodd Frank Legislation. Note: they grew sub-prime lending 600% and Securitization of them 900% leading up to the Financial Collapse.

First you need to know a little about who I am and what I’ve done in my life. At ten thousand feet look at my about cbjulian page, but, for this blog post, I want you to know these things.

First My mother was a construction bookkeeper I grew up working on construction sites. My brother is a builder, realtor, real estate broker. My brother in law is a builder. I grew up surrounded by construction. From 1972 to 1987 as I worked my way through college and an accounting degree. I worked all kinds of jobs mainly in construction, but also as a commercial fisherman in Alaska. I’ve worked on and run framing crews. Electrician crews, trim crews, done plumbing, hung sheet rock, painted, laid brick , hardwood floors, and tile,  installed cabinets and appliances and farmed an Apple Orchard.

Second I’m no dummy – I’d never, have survived more than 15 years in finance and finance technology services at Bank Of America from 1987 – 2004, if hadn’t some basic skills. In support of this below you’ll find a link to my resume  and two links to some of the recognition I received while working at Bank Of America. Please note my career progression at Bank of America.

Third From 1995 to 1996 I built the house pictured in this slide show with funding from  BB&T after I had purchased the lot. I worked my butt off that year every night, weekend and holiday on this house trying to do as much of the work as I possibly could myself. It liked to kill me.  As you look at the slides realize when I moved in in 1996 the house was just over 1900 square feet with a 900 square foot unfinished basement. It had two bedrooms 1 and half baths. While building it the city inspectors knew by the way it was being constructed I intended to add on.

Fourth From 1996 until 2006 when I sold the house I worked on improvements and additions  until I finished the vision I had for this house. When finished it was a little over 3800 square feet with a 900 square foot finished basement. It had 4 bedrooms 3 and half baths with a built in steam shower and a huge bonus room with giant walk in closet.

Fifth I won’t get into the numbers and I don’t consider my time cost working on this house but I made a very nice profit on it. While you look at the slide show I want you to know: I laid all of the hardwood floors in this house, My wife and I did all the wood work  and built  all the porches on this house. I personally finished 2 baths including the steam shower work all myself. I framed, wired, insulated, hung sheet rock, finished sheet rock, did all custom trim work, painted, and hung all the fixtures in every other addition in this house. I did all the work except where I had someone install carpet.



Sixth in 2007 I bought with proceeds from the sale of the house above an old 23 Acre Apple Orchard on the side of a mountain with some very nice Piedmont views. The Land was ideal for a vineyard, ideal for starting a hard apple cider business and has many profit opportunities,  I like to keep close to my vest although, your welcome some other time to look at the Business plan for this property.

Seven from 2007 until 2012 I spent my days on the development of this farm, putting life back into the Apples for future hard apple cider making, prepping the land and resources for a future vineyard and eventually wine production. Construction of a main residence designed to support numerous business potentials. Like a basement that would support being a small winery for start up and could and would later become a quest rental and even eventually our main living quarters. Below is a slide show on that property again keep in mind I ran the farming operation and I taught two farm hands everything they needed to know to help me with all the home construction you see done in these photos.


Eight in june of 2006 at the young age of 46 my wife and I became first time parents. While I’m usually behind the camera taking pictures here a few of me at work.



Nine in 1996 in addition to the house at 454 Hunter Lane, I also took an equity stake in a duplex, 8910 Sharonbrook drive. I took out a small private 10 year loan on this property for a 1/3 stake. I did this to help my mother have control over the property, as she bought the other side 8908 Sharonbrook drive for her personal residence.

Ten the five years I worked putting the Apple Orchard back in business and prepping the land for planting of a vineyard and construction on the house all got stopped when my personal funding ran out. Dodd Frank made it illegal for me to have a mortgage on that property without also having a full time job. I thought I had a full time job to farm the orchard, plant the vineyard, finish the house construction, and get the business operational.  However, Dodd Frank prevents an individual such as myself from using mortgage proceeds to pay myself to work while I make capital improvements to the assets I’m borrowing against. For numerous financial reasons and advantages this is pure financial ignorance on the part of Government. Or is it actually a Deep State effort to control land use? Think about it ; its like saying if you put money in this bank you can’t draw it out unless you have a job to make payments. Actually its worse cause the value of money in the bank is pure perception it could become worthless overnight as opposed to land, diamonds, gold or oil.

Think about it for a minute why do we have front yard mechanics? If you could frame your own house, plumb it, wire it, sheet rock it, trim it, paint it, why would you want to pay anyone other than yourself to do that work, especially if you needed the work? If you could plant a vineyard yourself why would you take a job so you could pay someone else twice what you’d pay yourself?  If in the end the asset is worth the same no matter who actually makes the capital improvements then you’re building sweat equity to do the job yourself. Dodd Frank wars against sweat equity! Thanks Dodd Frank!

Now lets look at that duplex and how Dodd Frank is killing opportunity for my family and friends and waring against my creation of sweat equity.

My mother passed away and now my brother and I are forced to sell the Duplex because I’m unable to find a good job. You can be sure my court battles against Wall Street, and the U.S Government are playing a major role in keeping me from gainful employment.

The Duplex is currently under contract for $237,000.00 and while I live in one side the other is rented to tenants who’ve lived there since 1996. When the contract closes we may all have to move disrupting all our lives which none of us want.

Since I have a significant equity stake in this property I could literally buy the duplex from my brother and mothers estate for $175,000.00.  I could, using equity pay myself $50,000.00 over the next year to rehab the duplex and with rent afford the loan payments. New siding, new heat and air, interior and exterior painting etc. Now at the end of another year you think I could get another contract on the duplex? One at least as much as the one it’s currently under, or maybe with these improvements even more? Wouldn’t that be a better outcome for the people who’s lives are about to be disrupted and uprooted? Remember the renters have lived here over 20 years, don’t want to move, or were they’ll go.  Thanks Dodd Frank!

In another year My wife or I might find good jobs, We might be able to sell the farm, we might win the lawsuit against Wall Street, although given Federal Court corruption thats not likely. We might move out and rent both sides to cover the mortgage payments. Can you be certain tomorrow you’ll have a job and be able to afford your mortgage payments. How long would your equity support you?

I’ve tried every way I know to secure financing to do just that, but Dodd Frank regulations prevent it. Hard Money lenders can’t help either because, Dodd Frank rules prevent investor properties from being owner occupied. Thats dumb too. If you’re a contractor its much easier to work on a place you’re living in. And an owner, tenet with equity at stake has a vested interest in improving the assets value as much as possible.

Below is a slide show of the Duplex. I leave you with the statement and the facts I’m happy to debate at anytime! Dodd Franks rules are stupid, inappropriate, a hinderance to capital appreciation, small business development, and personal wealth creation,

Dodd Frank Sucks!

Please any constructive comments are welcome leave some.










On the day of independence it seems appropriate to reflect on the battles we’ve dared to fight.  To recap the impetus of our pursuit of justice. To highlight for the American people what we do for our country and what our countries done for us.

We had years of sorted battles with government officials in Patrick County VA, as we began development of a business in a small rural community. There were many battles, most of them Government driven obstruction to progress, all leading to lengthy and costly delays. In 2012 we learned Governments implementation of Dodd Frank would again place a major obstacle in front of our efforts and force us to pursue funding from a USDA farm loan program.

The way we view what happened next goes like this.

The USDA raped my family.

Stole all be it a nominal amount of money from my family.

Committed fraud and mail fraud against my family.

Lied to my family.

Put my family through a process intentionally designed to deny fair procedures.

Lied about my family.

Illegally accessed our credit files committing fraud and mail fraud again in an attempt to cover up the fact they’d not pulled a credit report as procedurally required before denying the farm loan application. An intentional premeditated act of malice and forethought to deny access to a Government funded loan program with the intent to wipe out our business.

Denied fair procedures in a hearing on these matters including the direct denial of presenting evidence the credit report was never obtained as procedurally required.

Imposed post facto law against my family in violation of the procedural rules of retroactivity and in violation of the Constitution.

Operated a racket intentionally designed for the obstruction of justice.

Orchestrated a conspiracy to obstruct justice.

Abused deference by design as part of their racket to write a law to justify the crimes they committed against us.

14 Felonies committed by Government personnel so stated the only lawyer ever to review the case assessed. A lawyer I might add who declined to take the case and was later appointed by Obama to U.S district Attorney for the jurisdiction in which the case was filed.

Federal District Court Judge Jackson L. Kiser violated his oath, the law, the constitution, the Federal rules of civil procedure to aid and abet this government agency in avoiding accountability for their crimes.

To avoid accountability for the Gross negligent mis management of a Government Agency by its management and Congress.

Fourth Circuit Court Judges Clyde H. Hamilton, Robert B. King and Barbara Milano Keenan, ignored the criminal acts of the USDA and Judge Jackson L. Kiser to protect the Governments criminal enterprise.

The Court of Federal Claims Judge Edward J. Damich who appears had a role in the creation of this criminal enterprise refused to acknowledge he had taken an oath of office or that he would abide by that oath during proceedings. He declined to hold judge Jackson L. Kiser accountable for violating the trust obligations of his official duties.

The Court of Appeals Federal Circuit Chief Justice Sharon Prost who was Judge Edward J. Damich likely boss at the time the enterprise was created and also would’ve played a role in the implementation of the laws which enabled the USDA’s criminal enterprise chose to circumvent a writ of mandamus seeking to ensure our case be heard by an unbiased judge. On appeal she and Judges Raymond T. Chen, and Kara F. Stoll  justified their opinion with precedent on the criminal RICO statute and not on the Civil Statute which provided the monetary damages the filling sought to obtain.  We view this as an intentional act to obstruct justice by forcing a plea to the Supreme Court rarely ever answered and we believe rarely answered often with specific intent to deny justice and protect the Governments criminal enterprises from the laws of the land.

The American people should realize this is Government operating a criminal enterprise in violation of federal laws, in violation of the Constitution. The Supreme Court has telegraphed often its belief it operates unconstitutionally publicly and to Congress. Congress knows of the Supreme Courts views and while its made efforts to pass laws to stop the lawless abuses it has not gotten one signed into law.

The Supreme Court knowing this is unconstitutional and is being abused is guilty of treason on the Constitution and the American people by allowing it to continue even when challenged in appropriate courts and cases.

The American people need to understand the US Government is acting criminally and the Federal Judiciary is aiding and abetting them in crimes against the American People. These are acts of treason by traitors within our society. So Called Judges!

These crimes have gone on now for decades and destroyed the life, livelihood, liberty and happiness of hundreds of thousands of American people. Pointlessly, because, Government-Congress is grossly, negligently, incompetently, mismanaging the American peoples resources and unwilling to atone for their crimes and incompetence.

As simply and straight forward as I can say it:

The US Government committed numerous criminal and abusive acts against my family while the Federal Courts have gifted them unconstitutionally with the ability to create  new law to avoid being held accountable for the significant and atrocious damages they caused. Tyranny! which Thomas Jefferson defined as ” that which is legal for the government , but illegal for the citizenry”

The combination of the Governments actions with Dodd Frank and the specific intent to deny my family access to a Government funded Farm loan have caused untold financial and emotional damages to my family and posterity.

Whats the great American Lie?

No one is above the law! Because Government is above the law when judges with absolute immunity protect them. Judges with absolute immunity are above the law when they refuse to hold one another accountable to it.

Such is the impetus for a War on Government and the Federal Judiciary protecting it from the people their supposed to serve. Ask yourself if these judges are aiding, abetting, and protecting a Government Agency and its personnel engaged in a criminal enterprise should they not be removed from the bench for violating their oaths of office? For Treason?

I suggest the American people demand the Government face a Jury Trial!

I suggest the American people demand to know why Mainstream Media has not reported these facts?

I suggest the American people demand to know why these Judges where not held accountable by their Appellate courts?

I suggest if any American doubts the validity of these allegations they put up a jury trial to hear the unabridged evidence and lets have a public trial mock or otherwise to shine light on the criminal nature of our Government.  On the oppressive, despotic, ruling tyrant its become.

A criminal enterprise owned and operated by the Federal Government aided and abetted by the federal judiciary is treason on the people and the constitution and the reason America must demand an end to immunity protections Government and the Judiciary  have gifted themselves.

If my allegations are true these judges are protecting treason, protecting a criminal government enterprise, protecting criminals, and protecting the hundreds of legislators who signed off on establishing a criminal enterprise to hide their incompetence.

These so called judges have sided with the enemies of every fallen US solider and thus have blood on their hands; indelible stains on their integrity, their independence, their character.

These facts and those surrounding the precursor of Dodd Frank the sub prime financial collapse of 2009 are now before Federal District Court Judge Robert J. Conrad in the Federal District Court of North Carolina Western District case 3:16-cv-173. Judge Conrad has been almost totally silent since this case was filled April 15,2016, now fourteen months on the docket.

The Governments continued denial of fair hearings, of justice; The  continuous arbitrary rulings by Government officials “Traitors” is persistent and unrelenting psychological rape. It must be stopped and eliminating immunity protection is key. As Montesquieu said “there’s no greater tyranny than that which is perpetrated under the shield of law and in the name of justice.”

They claim its unfair to attack a judge because they can’t defend themselves. In this case it doesn’t matter, there’s simply is no defense for treason, no defense of the Judiciary becoming a coconspirator with congress against We The People. We The People  should not blindly trust and accept the actions of any branch of Government because as Thomas Jefferson said “all history hath shown to whatever hands confided, with the corruptions of time and party, its members would become despots”

Fourth of July 2017 and we have no independence from the despotism of our corrupted Government kings who’ve gifted themselves and each other to be above the law.

Chief Justice John Roberts on Character; on all the things the Federal Judiciary has given my family.

John Roberts.png

I look forward to the days of enjoying my BBQ.