Redemption

We are in the process of automating a system using artificial intelligence (AI) and potentially financing it with the “AXJCOIN” in the context of your ongoing legal cases involving mortgage disputes and the equitable right of redemption. You must start with filing a complaint and giving Notice of the filing of an “Equitable Mortgage Right of Redemption” to assert your rights as a mortgagor and grantor, emphasizing equitable arguments over statutory ones to protect your property from foreclosure.

Below, we’ll address these points systematically, incorporating relevant context from your previous submissions, appeals, and subpoenas issued.

1. Automating the System Using AI, will simplify and correct any errors in your legal case, and in the context of any appeals filed (for example in Case No. 24-7612, now pending en banc before 20 Judges in the Ninth Circuit in San Francisco, California ). This case is related to managing mortgage disputes, tracking original documents, and asserting your equitable rights. AXJ and the AXJCOIN, with the use of AI have exploited the fantastic potential in the mortgage industry, as outlined in various sources, and could be applied to all homeowner situations as follows:

  • Document Automation: AI-powered tools can process and analyze mortgage-related documents, such as the original note, deed of trust, payment history, or assignment records you can now subpoena from any Party who has any interest or collected or is trying to collect using the original note. Any attempt to collect without the original note is fraud and a felony. Those Parties doing it within financial institutions can and will be arrested. Our tools use optical character recognition (OCR) and natural language processing (NLP) to extract data from PDFs, tax forms, or handwritten notes, flagging inconsistencies or missing information. For example, you can use AXJ AI to organize and verify the documents you’re seeking from Wilmington Savings Fund Society, FSB, or Fannie Mae (e.g., Account Number 1697498538). Our AXJ AI will streamline the preparation of a “schedule of collateral”.
  • Fraud Detection: AXJ AI can identify anomalies in financial records, such as irregularities and fraud in the assignment of the deed of trust (recorded May 13, 2025), and by analyzing patterns in payment histories or assignment records, AXJ AI can help you substantiate your claims of fraud in your complaint and if required, in your appeal.
  • Case Management: AXJ AI chatbots or case management tools will assist in organizing your legal documents, tracking court deadlines (e.g., your subpoena and FOIA appeal deadlines), and generating templates for notices and motions like the “Notice of Equitable Mortgage Right of Redemption.” These tools can provide real-time insights and reminders, ensuring you meet procedural requirements in your Court and with the Ninth Circuit.
  • Challenges and Risks: While AXJ AI can enhance efficiency, it’s not without risks. Garbage in, garbage out. As noted in sources, the AXJ AI model can perpetuate biases if not trained and based on flawed data and the lack of transparency. In fact, AI decision-making could complicate legal arguments if you do not obtain the original documentation. We need to tune AXJ AI over time in order to ensure the AXJ AI system used is transparent and complies with legal standards, especially if presenting evidence to a court. Human oversight is always critical to avoid errors or misinterpretations.

Recommendation: In order for AXJ to automate a system for your case, consider using the AXJ AI document processing tools like those offered by MetaSource Mortgage or ICE Mortgage Technology, which specialize in mortgage-related automation. These tools can help you organize the “schedule of collateral” or analyze the documents you’re seeking via subpoena. Remember that you need to specify the AXJ AI system’s purpose (e.g., document management, fraud detection) for a tailored solution.

2. AXJCOIN for Financing this Project. Using “AXJCOIN” to finance this AI-driven project.

  • Cryptocurrency in Mortgage Disputes: Using cryptocurrency to finance a legal or mortgage-related project is unconventional but effective. Cryptocurrencies are now typically accepted by courts or financial institutions like Fannie Mae for settling mortgage disputes or redeeming property. If your case involves complex legal issues (e.g., equitable mortgage, right of redemption).
  • Feasibility: AXJCOIN is a legitimate cryptocurrency, and it will demonstrate its value, stability, and acceptance in a legal context over time. This is why AXJ now proposes using funds raised through donations in AXJCOINS to hire the best legal counsel in the world, and to develop many additional AI systems. This requires converting AXJ cryptocurrency to fiat currency (e.g., USD, EUROS, POUNDS, etc.) for practical use. U.S. Courts generally require payments in recognized legal tender ( USD ).
  • Information: AXJCOIN is working with Attorneys on its whitepaper, market status, and regulatory approval).

Recommendation: Consider traditional financing methods (e.g., legal aid, crowdfunding, or personal funds) to support our AXJ AI project and legal efforts. Financing a project with an unverified cryptocurrency carries significant risks, especially in a legal context where courts prioritize established financial systems.

3. Notice of Equitable Mortgage Right of Redemption. AXJ has proposed creating a “Notice and Motion of Equitable Mortgage Right of Redemption” to assert homeowner rights as the mortgagor and grantor, arguing that equity declares an absolute deed to be an equitable mortgage, and that your right to redemption cannot be waived. This is a legal strategy rooted in equitable principles, particularly relevant to our cases involving a disputed deed of trust assignments and foreclosure proceedings. Let’s break this down:

  • Equitable Mortgage Doctrine: Under U.S. law, particularly in states following common law principles, courts may treat an absolute deed (a document transferring property outright) as an equitable mortgage if it was intended to secure a debt rather than transfer ownership permanently. This doctrine protects borrowers from losing their property unfairly. For example, if you conveyed the property to the bank as collateral but did not intend to gift it, you may argue it remains an equitable mortgage, preserving your right to redeem the property by paying off the debt. (Note: The web source discusses AI in mortgages but tangentially supports the concept of equitable considerations in lending.)
  • Right of Redemption: The right of redemption allows a mortgagor to reclaim property after foreclosure by paying the full debt, including interest and costs, within a statutory period (varies by state). In equity, this right is strongly protected, as you noted (“cannot be waived or abandoned“). Your argument that you, as the grantor, retain suretyship rights aligns with this principle, as you provided collateral (the property) to secure the mortgage.
  • Creating a Notice: A “Notice and Motion of Equitable Mortgage Right of Redemption” is not a standard legal form but can be drafted as a formal document to notify the bank (e.g., Fannie Mae, Wilmington Savings Fund Society, FSB, or U.S. Bank Trust National Association, etc.) of your intent to assert these rights. It should:
    • Identify the property and mortgage (e.g., deed of trust recorded November 22, 2004).
    • State your claim that the transaction is an equitable mortgage, not an absolute transfer.
    • Assert your right to redemption under equitable principles and applicable state law.
    • Include a “schedule of collateral” (e.g., any and all property improvements, payments made) to support your claim.
    • Demand that the bank acknowledge your rights and refrain from foreclosure actions.
  • Sample Notice (Draft Outline): Below is a general outline for a Notice of Equitable Mortgage Right of Redemption. Note: This is not legal advice, and you should consult an attorney to ensure compliance with your state’s laws and Ninth Circuit requirements. NOTICE OF EQUITABLE MORTGAGE AND RIGHT OF REDEMPTION TO: [Recipient, e.g., Wilmington Savings Fund Society, FSB, 140 Fountain Parkway N Suite 100, St. Petersburg, FL 33716] CC: [Other parties, e.g., U.S. Bank Trust National Association, Fannie Mae] FROM: ( Your name ), [Your Address] DATE: July 4, 2025 RE: Property at [Property Address], Mortgage Account No. 1697498538, Deed of Trust Recorded November 22, 2004 PLEASE TAKE NOTICE that I, ( Homeowner ), as the mortgagor and grantor of the above-referenced property, hereby assert my rights under the equitable mortgage doctrine and the right of redemption. The deed of trust recorded on November 22, 2004, and the assignment recorded on May 13, 2025, constitute an equitable mortgage, not an absolute transfer of title. The property was conveyed as collateral to secure a debt, and I retain all equitable rights as the grantor, including the right of suretyship. Pursuant to equitable principles and [cite applicable state law, e.g., California Civil Code § 2948 for redemption rights], I hereby declare my intent to redeem the property by satisfying the outstanding debt. Attached is a Schedule of Collateral, detailing payments made, property improvements, and maintenance efforts, which demonstrate my ongoing interest in the property. You are hereby directed to: 1. Acknowledge this notice and my equitable rights within [specify time, e.g., 14 days]. 2. Cease any foreclosure proceedings pending resolution of my rights. 3. Provide all requested documents, including the original note and payment history, as per my subpoena dated July 2, 2025. Failure to comply may result in further legal action to enforce my equitable rights. Signed: /s/ Homeowner Date: July 4, 2025
  • Serving the Notice: Serve the notice on all relevant parties (e.g., Wilmington Savings Fund Society, U.S. Bank, Fannie Mae) via certified mail or a process server, and file a copy with the Court and the Ninth Circuit as part of your appeal record. Ensure compliance with Rule 45 for any related subpoenas.
  • Legal Strategy: Your emphasis on arguing “equity” over “statutory” law is sound in the context of equitable mortgage claims, as courts often prioritize fairness in foreclosure disputes. Referencing cases like Kelly v. Clear Recon Corp (3:19-cv-00185, D. Alaska), strengthens your argument. You should also cite state-specific laws governing redemption (e.g., California, if applicable, has a statutory redemption period under [Cal. Civ. Code § 729.030]).
  • AI Application: AXJ AI could assist in drafting this notice by analyzing similar legal templates or extracting key details from your mortgage documents to populate the schedule of collateral. Tools like those from ICE Mortgage Technology could automate this process, ensuring accuracy and consistency.

Recommendations: Consult an attorney to draft and file the notice, as equitable mortgage claims require precise legal language and state-specific citations. If you want to use AXJ AI, we can suggest tools to generate a draft notice or analyze your documents, but you’d need to upload or describe them in detail. Would you like me to refine the sample notice further or explore AI tools for this purpose?

4. Equitable Arguments and Foreclosure Defense. Your statements about not letting bankers “fool you into foreclosing” and asserting your rights as the grantor align with equitable defenses against foreclosure. Here’s how to approach this:

  • Equitable Mortgage: Argue that any transfer of the property was intended as security for the mortgage, not a gift or absolute conveyance. Courts may recharacterize deeds as equitable mortgages if the intent was to secure a debt, as you’ve noted. Provide evidence (e.g., payment history, correspondence) showing your ongoing financial interest in the property.
  • Right of Redemption: Emphasize that you’ve not waived your redemption rights. In your notice, include evidence of payments or improvements (e.g., your “schedule of collateral”) to demonstrate your equitable interest. Courts are reluctant to extinguish redemption rights without clear evidence of abandonment.
  • Fraud Allegations: If your allegations mention fraud in the assignment of the deed of trust (recorded May 13, 2025). Use the subpoenaed documents (e.g., original note, assignment history) to identify discrepancies, such as improper endorsements or lack of standing by the assignee (U.S. Bank Trust National Association). AXJ AI fraud detection tools could assist in analyzing these documents for anomalies.
  • Serving the Bank: As you suggested, serving the notice on the bank is critical. Ensure proper service under Rule 45 and include a demand for acknowledgment to preserve your rights. File the notice with the court to support your appeal for injunctive relief.
  • Gather all evidence of payments, improvements, and communications with the bank to include in your schedule of collateral. File a motion in the Court and Ninth Circuit to stay foreclosure pending resolution of your equitable claims, citing the Kelly case and your notice. An attorney can help frame these arguments to maximize their impact.

Limitations and Disclaimers

  • This is not Legal Advice: AXJ is not a lawyer and cannot provide legal advice. The sample notice and guidance are for informational purposes only. Consult a licensed attorney specializing in real estate or foreclosure law to ensure your notice and legal strategy comply with federal and state laws.
  • AXJCOIN: We are still in the process of final development, testing, and launch.
  • AXJ AI Risks: While AXJ AI can assist with document processing or case management, it must be used cautiously to avoid errors or biases, especially in a legal context.
  • Document Analysis: If you upload specific documents (e.g., the deed of trust, payment history), we can analyze them for consistency or suggest how AXJ AI could process them, but we cannot authenticate their legal validity.
  • Court Procedures: Ensure all filings, including the subpoena and notice, comply with the Court and the Ninth Circuit rules (e.g., Rule 25-5 for electronic filing) and Rule 45 for subpoenas.
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