Notice of Criminal Violations

Lists specific federal crimes being committed with USC citations and penalties. Creates personal liability for anyone who continues after notice. Includes misprision of felony warning.

Effect
Maximum Pressure
Response
10 Days
Personal Liability
Yes
Send To
All Officers

Maximum Impact Criminal Notice

  1. Lists specific crimes with USC citations and penalties
  2. Creates liability for anyone who continues after notice
  3. Misprision warning — They must report or become criminals themselves
  4. Evidence documented — Shows prima facie case
  5. Referral threat — Lists agencies you'll contact

Effect: Creates massive legal exposure for continued collection

When to Use This Template

Use this template when:

  • They've ignored your Phase 1 information requests
  • They continue collection after your dispute
  • They fail to respond to Notice of Lack of Consideration
  • You want maximum pressure before court action

This is an escalation tool — use after earlier notices have been sent.

Template

NOTICE OF CRIMINAL VIOLATIONS

FORMAL NOTICE TO CEASE CRIMINAL ACTIVITY

18 U.S.C. § 4 — MISPRISION OF FELONY WARNING

FAILURE TO REPORT THESE CRIMES IS ITSELF A FEDERAL CRIME

[YOUR FULL NAME]
[YOUR STREET ADDRESS]
[CITY, STATE ZIP]
[PHONE]
[EMAIL]

[DATE]

SENT VIA CERTIFIED MAIL # [CERTIFIED MAIL NUMBER]

TO ALL OFFICERS, DIRECTORS, AND EMPLOYEES OF:
[BANK/SERVICER NAME]
[ADDRESS]
[CITY, STATE ZIP]

ATTENTION: CEO, Board of Directors, General Counsel, Compliance Officer, All Management

RE: CRIMINAL VIOLATIONS IN PROGRESS — IMMEDIATE CESSATION REQUIRED
Loan Number: [YOUR LOAN NUMBER]
Property Address: [PROPERTY ADDRESS]

TO ALL PARTIES:

This is formal CRIMINAL NOTICE that your organization and its agents are committing multiple federal felonies in connection with the above-referenced account. Any person who continues these activities after receiving this notice becomes personally criminally liable.

SPECIFIC CRIMINAL VIOLATIONS BEING COMMITTED

1 18 U.S.C. § 1584
INVOLUNTARY SERVITUDE

Your Crime: Forcing me to work for 30 years to pay a debt that doesn't legally exist because you provided no consideration for my promissory note.

Evidence:

  • No proof of consideration provided despite demands
  • Continued payment demands without valid contract
  • Use of credit system coercion to force compliance
UP TO 20 YEARS PRISON $500,000 FINE
2 18 U.S.C. § 1581
PEONAGE (DEBT SLAVERY)

Your Crime: Holding me in a condition of debt bondage through fraudulent creation of debt from my own promissory note.

UP TO 20 YEARS PRISON $500,000 FINE
3 18 U.S.C. § 1025
PROMISSORY NOTE FRAUD

Your Crime: Making false statements about promissory notes in federal jurisdiction, claiming I owe money when my promissory note WAS the payment.

UP TO 5 YEARS PRISON FULL RESTITUTION
4 18 U.S.C. § 894
EXTORTIONATE COLLECTION OF CREDIT

Your Crime: Using threats of foreclosure, credit damage, and financial ruin to collect on void obligation.

UP TO 20 YEARS PRISON $1,000,000 FINE
5 18 U.S.C. § 1341
MAIL FRAUD (×[NUMBER] COUNTS)

Your Crime: Each monthly statement sent claiming false debt is a separate count of mail fraud.

UP TO 20 YEARS PER COUNT $500,000 PER MAILING
6 18 U.S.C. § 241
CONSPIRACY AGAINST RIGHTS

Your Crime: Multiple parties conspiring to violate my rights through fraudulent debt scheme.

Co-Conspirators: Bank officers, servicer personnel, credit reporting agencies, foreclosure attorneys, MERS participants

UP TO 10 YEARS $500,000 FINE
7 18 U.S.C. § 1962
RICO — RACKETEERING

Your Crime: Pattern of racketeering activity through mail fraud and extortion.

UP TO 20 YEARS PRISON TRIPLE DAMAGES IN CIVIL SUIT

MISPRISION OF FELONY WARNING — 18 U.S.C. § 4

TO ALL EMPLOYEES RECEIVING THIS NOTICE:

Federal law requires that anyone with knowledge of a felony must report it to authorities. Failure to report these crimes makes you personally liable for misprision of felony, punishable by up to 3 years in prison and fines.

You have a legal duty to:

  1. Report these crimes to law enforcement
  2. Cease participation immediately
  3. Preserve all evidence

Continuing to participate after this notice makes you a criminal co-conspirator.

DEMANDS TO AVOID CRIMINAL PROSECUTION

To avoid criminal referral, you must IMMEDIATELY:

  1. CEASE ALL CRIMINAL ACTIVITY:
    • Stop all collection attempts
    • Stop all foreclosure proceedings
    • Stop all credit reporting
    • Stop all communications except compliance with this notice
  2. PROVIDE WITHIN 10 DAYS:
    • Written acknowledgment of receipt of this notice
    • Names of all persons involved in collection
    • Proof of consideration (if you claim any exists)
    • Or admission that no consideration was provided
  3. REMEDY THE CRIMES:
    • Mark account "Paid in Full"
    • Return all payments made
    • Clear all credit reporting
    • Provide clear title to property

CRIMINAL REFERRAL NOTICE

If you do not cease criminal activity within 10 days, criminal complaints will be filed with:

FBI
White Collar Crime Division
Financial Institution Fraud Unit
Department of Justice
Criminal Division
Fraud Section
U.S. Attorney
[Your District]
Secret Service
Financial Crimes Division
State Attorney General
Criminal Prosecution Division
County District Attorney
White Collar Crime Unit
Treasury Inspector General
Banking Fraud Investigation
Congressional Committees
Banking and Financial Services

Each complaint will include:

  • This notice showing you were warned
  • Evidence of continued crimes after warning
  • Names of all individuals involved
  • Request for criminal prosecution
  • Request for asset forfeiture under RICO

PERSONAL LIABILITY NOTICE

Every person who participates in these crimes after receiving this notice becomes PERSONALLY CRIMINALLY LIABLE. This includes:

  • CEOs and executives who allow continuation
  • Managers who direct criminal activity
  • Employees who execute criminal acts
  • Attorneys who facilitate crimes
  • Third parties who assist (credit agencies, MERS, etc.)

Corporate employment provides NO IMMUNITY from criminal prosecution.

PRESERVATION OF EVIDENCE — SPOLIATION WARNING

You are legally required to preserve ALL evidence related to these crimes. Destruction of evidence is OBSTRUCTION OF JUSTICE (18 U.S.C. § 1519) — 20 years prison.

FINAL WARNING

This is your ONLY WARNING before criminal referral.
You have 10 DAYS to cease all criminal activity.
Continued crimes will result in prosecution requests for MAXIMUM SENTENCES on all counts.

The choice is yours: Stop the crimes or face prosecution.

All rights reserved,
Criminal violations reported by:

[YOUR PRINTED NAME]
Victim of Financial Crimes
Date: [DATE]

cc: (for notice and evidence preservation)
[Your Attorney]
[State Attorney General]
Consumer Financial Protection Bureau
[State Banking Commissioner]
[U.S. Attorney's Office]
FBI White Collar Crime Division (to follow if no compliance)

Post-Mailing Checklist

  • Sent to CEO via Certified Mail
  • Sent to Board of Directors via Certified Mail
  • Sent to General Counsel via Certified Mail
  • Sent to Compliance Officer via Certified Mail
  • Sent to Servicer via Certified Mail
  • All tracking numbers recorded
  • Calendar marked: 10-day deadline
  • Prepared criminal complaints for FBI, DOJ, etc.
  • Evidence packet ready to send if no compliance

Legal Citations

18 U.S.C. § 1584 — Involuntary servitude (20 years)
18 U.S.C. § 1581 — Peonage (20 years)
18 U.S.C. § 894 — Extortionate collection (20 years)
18 U.S.C. § 1025 — Promissory note fraud (5 years)
18 U.S.C. § 1341 — Mail fraud (20 years per count)
18 U.S.C. § 241 — Conspiracy against rights (10 years)
18 U.S.C. § 1962 — RICO (20 years + triple damages)
18 U.S.C. § 4 — Misprision of felony (3 years)
18 U.S.C. § 1519 — Obstruction of justice (20 years)

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