Getting Started

Deposit Slip demand
From the moment one starts writing “lawful money and full discharge is demanded for all transactions 12 USC 411, 95a(2)” on the front of one’s checks and deposit slips, underneath one’s name and address in the upper left-hand corner of these documents, then one can start subtracting those transaction amounts on the IRS 1040 forms (out-going amounts of LAWFUL money excluded).  This can result in a substantial refund when the amounts of all said transactions from that point on are subtracted from one’s gross income.

This will require a paradigm shift in one’s perception of the “Income Tax”.  See Income Tax – A Legitimate Usage Fee for a basic foundation of WHY the “Income Tax” is legitimate, and HOW it can lawfully be avoided to the benefit of both the people and the country.
The 1040 Help folder contains more information about this remedy.
Much credit for this information goes to the Founder and suitors of the Saving to Suitors Club website.  In particular,  there is a comprehensive post thereon entitled “1040 Help” located at:
The latest post about a successful lawful money-based tax refund is at link below:

Note: A companion website is now available that will provide additional specialized education and materials. See:
In regard to this tax refund, it is important to realize that each individual transaction that uses FRNs generates more debt BECAUSE each one is a PROMISE to pay, an IOU-based transaction because it is based on liability (PROMISE) instruments. Each one of these entries needed to be backed-out by a corresponding REDUCTION entry.
One is actually helping to PAY debts and thereby reduce the national debt. One is helping correct the mistake THEY made by PRESUMING that FRNs were being used in such transactions. These must include all withholding-based transactions as well, since both the debt and the reduction is TRANSACTION-BASED! THIS IS A KEY CONCEPT THAT MUST BE UNDERSTOOD! Each transaction that assumes FRN usage must be backed-out (reversed) to settle the national debt.  Notice that even the operation of law is also TRANSACTION-BASED!
One could easily prove each FRN transaction increases the national debt by auditing any check deposits at any bank and see if these funds are included in the reserve required for fractional reserve lending. One can see the multiplier effect in the diagram at that website, and also see why bank employees get fired for not respecting demands for lawful money, because of all of the multiplier “ripples” of mistakenly-created and un-bonded debt that has to be backed-out/reversed!
By following FRCP 803(6) rule of hearsay exceptions, one is making a substantive record on documents used in the normal course of business. By writing “lawful money and full discharge is demanded for all transactions 12 USC 411, 95a(2)” on all commercial instruments (deposit slips, checks, etc), one enables the equitable title transfer of the credit (labor) held by the the United States Treasury via the Federal Reserve Banks since the April 5, 1933 Executive Order 6102 of President Franklin D. Roosevelt, which transfer then enables the Trustee to setoff the national debt to that extent.  This 803(6) rule of hearsay exceptions was just amended on 12/1/14 (see
This reduction therefore, in effect if not in essence, constitutes FOR-GIVENESS of the national debt. FOR-GIVENESS is the application of that prepaid labor credit of the people, loaned to the corporations that enabled them to pro-duce goods and services for the people, to set-off that loan/debt owed to the people by their “for-giveness” (previous giving of credit).
Honestly, the People, the Beneficiaries, are really at fault here too. The Beneficiaries have NOT been doing their duty of authorizing the application of lawful money to PAY debts, by demanding lawful money for all transactions. Using FRNs is only a PROMISE to pay, and each such PROMISE is fractionalized, as well as each derivative transaction from the prime transaction (which mainly for wage-earners is one’s GROSS PAY-check).  All of these transactions create additional “promise-to-pay” debts, and must eventually all be backed out by the Beneficiaries, through demanding lawful money per 12 USC 411, finally authorizing theses debts to be paid by setoff, and then discharged by the Trustees.
Notice that 12 USC 411 has no corresponding Code of Federal Regulations (CFR) regulation to restrict anyone’s method of demanding lawful money. I think that is VERY significant. The Parallel Table of Authorities has no entry for 12 USC 411. This table’s entries go in sequence from 12 USC section 391 to section 418 (see table list extract below). Notice that Section 411 is missing!  There is no regulation for statute 12 USC 411.
[Code of Federal Regulations]
[Parallel Table]
[Revised as of January 1, 2011]
[From the U.S. Government Printing Office via GPO Access]
12 U.S.C. <—————————> Corresponding C.F.R.
================================================== =====
378……………………………………….. ………12 Part 303
391….31 Parts 202, 203, 209, 210, 225, 240, 306, 317, 321, 341, 346,
351, 352, 353, 354, 355, 356, 357, 358, 359, 363, 375, 380
418……………………………………….. ………31 Part 601
461………………………………….12 Parts 201, 204, 208, 217
Therefore, it is allowable,legitimate and preferable to make one’s demand TRANSACTION-BASED, as stated here:
lawful money and full discharge is demanded for all transactions 12 USC 411 and 95a(2)
Using this exact wording above enables one to provide probable cause and justification for listing all transactions on a 1040 SUPPORTING SCHEDULE that have been presumed to be using FRNs (out-going amounts of LAWFUL money excluded). By doing so in good faith reliance thereon, one is provided immunity from liability in any court action, per 12 USC95a(2).
Who can rebut that transaction-based demand? And by what authority?
So, one just needs to decide on the date one wants to begin demanding lawful money and then start hand-writing it on the face of one’s checks and deposit slips, just under one’s name and address in the upper left-hand corner of these documents.  This then stands thereafter and forever,as substantive evidence per Federal Rules of Evidence FRE 803(6) governing exceptions to hearsay evidence, that one has shifted from being a debtor to a creditor by dealing only in LAWFUL (PUBLIC) money to fully discharge all obligations in full, dollar for dollar in accordance with the INTENT of the expressed trust of June 5,1933 recorded in the Congressional Record as HJR 192 (P.L. 73-10 48 STAT 112), and as implemented in the United States Codes at 31 USC 511812 USC 34212 USC 41112 USC 95a(2).  Such evidence is unrebuttable.
This is the starting date of one’s FREEDOM. Make it memorable!!
It is important to realize that both the FRN-based Debt (debit) and its corresponding USN-based Reduction (credit) are TRANSACTION-BASED! This is WHY the 1040 Supporting Schedule for Lawful Money Demand Reduction has to include the Withholding transactions – to reverse these corresponding unauthorized and un-bonded debt transactions that have been presumed and executed as FRN-based Debt transactions.
I believe that these Withholding transactions transfer amounts to other Federal and State government agencies that are legitimately presuming these amounts to be FRN-based Debt funds (the default choice for US currency), which are deposited in a bank and are included in their “reserve” amounts since they may have no notice (plausible deniability) to the contrary if the government agencies have not performed their fiduciary duty under the Principal-Agent Doctrine to pass along the substantive record one has made with one’s local Federal Reserve member bank.
Therefore, the Form 1040 may be the only instrument that “catches” these “Mis-Takes” and enables the government agencies to correct their books and records and ledgers and truly settle (PAY) the corresponding obligations with the “For-Given” credit of the people held in trust for this purpose, by making the GAAP-based bookkeeping “reverse” journal entries necessary to settle the associated prime and derivative debts and their multiplied “ripples”, as the diagram in this ‘How Banks Work’ article clearly illustrates.
NOTE: This diagram suggests that the effect on the national debt may be substantial. Such a lawful money reduction procedure, if done by everyone, would certainly improve our economy and national security!