Free Money? Utilizing YOUR Treasury Direct Accounts: Understanding the Law, Risks, and Potential Consequences

This is an excellent rundown of the background information and great overview of what’s going on right now, with people scrambling to “access their value” via Treasury Direct and Federal Reserve accounts.  Justin, from Stillness in the Storm (SITS) lays this out in a comprehensive and very easy to comprehend write up.

If you are looking for more information about these subjects, I would like to invite you to join John Carl and Karl from Canada on Assentio Mentium every Sunday Morning Live right here on RTS Earth on the live stream, or you can join in the conversation in the Live chatroom on Discord here:


Free Money? Utilizing YOUR Treasury Direct Accounts (Birth Certificate/Strawman Trust/Bond) — Understanding the Law, Risks, and Potential Consequences

by Justin Deschamps,

What if we could pay our debts with money from a government account? Well a small group of individuals appear to have found a way to do just that. They are accessing what are apparently called Treasury Direct Accounts to pay credit cards, mortgages, student loans and so on. It might sound like the latest internet scam—and I’m not necessarily saying that it isn’t—but there’s a very real lawful and legal reality to comprehend behind this latest promise for “legal remedy.” But before you get your latest credit card bill out, there are some major risks in law that needs to be considered.

Before moving forward, I want to express that I have the utmost respect and admiration for all those brave souls who seek to gain freedom and prosperity in a world of seemingly endless fraud and deception, who have devised very creative ways to gain a measure of freedom. This is my attempt to clearly articulate the risks involved in using your treasury account, by describing the lawful realities at play along with any historical precedents that imply potential consequences. In no way am I passing negative judgment on those who have already accessed these accounts or who have spent years paving the way for others to do the same.

DISCLAIMER: The following article is not meant to be taken as legal advice. Any and all suggestions, statements, or assertions are solely the opinions of Justin Deschamps and are provided for informal, educational, and research purposes only. Any actions taken by you, the reader, are entirely your responsibility. You are encouraged to seek legal council with a licensed legal professional before engaging in any potentially risky behavior.

I understand that the vast majority of people who are reading this likely have never studied law, the legal system, finance, or civil policy. And likely even a smaller proportion have studied the hidden side of law, and the legal slavery mechanisms that make our world what it is. In light of this, I will do my best to describe the concepts in as simple terms as possible, sometimes reiterating ideas in different ways to emphasize the information.

I’ve spent several days revising and re-writing this article for ease of comprehension, which has been quite challenging because there are so many different levels of understanding and trying to write for a wide audience is no small task. This is not meant to be a one stop shop for everything to do with this topic, it is meant to be for the lay person who may not understand the foundational concepts in law that support the idea of an account created in your name, and managed by the State.

In order to describe the whole situation, a book would be required. Here is a good overview for those seeking a more comprehensive explanation of the hidden side of the financial and legal system.

For those with a legal background, or who have studied much of the “freeman sovereignty” material out there, much of the descriptions of concepts might not be the way you learned them, but the core ideas are effectively equivalent. For example, some might say that these accounts are not trust accounts, but the pure concept of a trust is most definitely at play, as all commerce requires trust at some level for contractual obligations to be met. The words and terms use below have many meanings within society, but I have taken the time to define them within the context of the article, and it is these definitions that should be used in trying to understand what is described.

Finally, if you think a concept is presented in error, feel free to send me an explanation as to why (, demonstrating a superior argument, so it can be added here.

Update: I received this information from Jordan Sather of Destroying the Illusion. On July 12th, the Federal Reserve Bank of Atlanta warned that using your social security number and Fed routing numbers to pay your bills (which is the Treasury Direct Account process), could result in delays and late fees. Notice they didn’t say it was illegal.

Consumer Scam Alert: Do Not Use Federal Reserve Routing Account Numbers to Pay Bills; Could Face Late Fees, Other Charges 

For immediate release: July 12, 2017 

Recently, the Federal Reserve Banks have received a number of unauthorized transactions in which consumers have tried to use the Fed’s routing numbers and their Social Security numbers to pay their bills.

It is important for consumers to know that when making online or e-check bill payments, they cannot use Federal Reserve routing numbers. Federal Reserve routing numbers are used for sorting and processing payments between banks. Any video, text, email, phone call, flyer, or website that describes how to pay bills using a Federal Reserve Bank routing number or using an account at the Federal Reserve Bank is a scam.

The Federal Reserve provides banking services only for banks. Individuals do not have accounts at the Federal Reserve.

The bill payments being attempted using the Fed’s routing numbers are being rejected and returned unpaid. Consumers who have attempted to use the Fed’s routing numbers to pay their bills may be subject to penalty fees from the company they were attempting to pay. (source)

In my view, within the context of the following discussion, this is a carefully worded statement. Consider that people have gone to jail for years for commuting bank fraud. But all that is being said here is that a person might be “subject to penalty fees from the company they were attempting to pay.” This suggests that they cannot say it is illegal because it actually is to some degree.

But as will be described below, this doesn’t mean the system condones this behavior either. Quite the contrary, they are calling it a scam, and will likely treat people who use this process as scam artists. This means you can expect all kinds of mafia-like tactics from law enforcement intended to intimidate you into not using this process. Bear this in mind as you contemplate if this is something you want to do.

Simplified Overview 

Here’s a short explanation of where the money for these accounts comes from and how people are accessing it.

Lets say you have some debt that you want to pay off, (referred to as a discharge of debt in legal terms). Normally, you’d have to earn the money to pay the debt. But what if I told you that the government created a trust account in your name when you were born? This is exactly what happened.

The government creates an account and then uses various methods to fund them—like quick turn around investment schemes—which accumulate value to the tune of millions and sometimes billions of dollars. While these accounts are most definitely real, the government never tells us they exist. They use these accounts to fund all sorts of things, including nefarious programs and black budget projects.

Although the government never tells us about these accounts, you can access it using your social security card. A social security number is not just a government ID, it’s also the account number for your personal account, allegedly known as a Treasury Direct Account (TDA). Using the code on the back of your social security card, you can locate the routing number associated to your account. At this point, the process works just like paying any other debt using a check. You go online, enter the account number (your social) and routing number (found on the website) into a e-bill payment system—a standard feature of most financial services—and pay your bill as if you were using your own bank account. And that’s it. 

One question a reader had was: What do you see when you access your account? You don’t see anything. You can’t go online or go to the bank and give them your TDA information so they can pull up an account balance for you. In this sense, when you use the TDA to pay a debt, you are doing so “blind,” as if a friend gave you their bank information to pay a debt—you don’t see their account when paying it.

At the time of this writing, dozens of people have successfully paid debts using this method. But, there are many others who have had payments reversed, stopped, or their online services locked after trying to use the TDA. One man by the name of Randy, used his account to purchase an RV, but when he went to go pick it up, he was arrested for an older charge that had nothing to do with the use of his TDA—more on this later.

What does this mean? Can I use my TDA account to pay debts? Is it legal? Is it risky?

In my opinion, based on all my law research and knowledge of the current state of the legal and justice system, I would personally not use these accounts. There is too much risk involved and uncertainty at this point; additionally the method for accessing these accounts may not be lawful, as I will attempt to detail in lay terms.

These accounts are secret. The government never wanted you to know about them, let alone use them. But the fact that they are secret also means that they likely don’t want to prosecute people for using them, instead, they’ll find another way to arrest you, like they did to Randy. So on this score, think of it like this: the government is effectively the mafia, and uses criminal methods to achieve their goals—you don’t want to go stealing from them unless you know what you’re getting into. This is one of the reasons why it is risky, because even if you do have a valid right to use your TDA, the criminal government might still come after you.

The accounts are also held in trust for you, but you don’t really have the authority to use them. Think of it like this: just because someone bought you a gift for a holiday doesn’t mean you can go take it beforehand. For your TDA, you would have to establish the correct authority to use these accounts, and then prove that to the government. It isn’t clear to me, at this point, if anyone accessing these accounts has the proper authority, and as such, they could be acting unlawfully.

Access to these accounts might be a glitch in the new electronic and automated financial system. Within this electronic system, there might be vulnerabilities that allow people to bypass blocking methods used by the government for these accounts. If true, then as time goes on, more and more people won’t be successful using their TDA, and they will likely be liable for attempting to do so. Consider that a lot of people are having payments from these accounts reversed, which suggests that some factions within system are becoming aware of the situation.

All this being said, there is a very real risk involved in using your TDA, and like all things in life, it’s generally not wise or prudent to jump into something you have only a hazy understanding of. If you decide to use these accounts, do so at your own risk, ideally by gaining real knowledge of what this risk means. I strongly encourage you to read on so you can gain a better understanding of the law. At the very least, this situation is helping to reveal the fact that there really is a hidden side of the financial and legal system; thus this is an excellent opportunity to gain key knowledge and understanding.

What follows is a much more detailed explanation of the history, law, and implications of using these accounts. While this information is likely boring to most, it is incredibly important to understand the legal and lawful drama that has led to where we are today. The law is the rule book for existence, and the better we understand the rules the better we’re able to work with them to manifest abundance and prosperity in life. What’s more, if people gained knowledge of the law, they would have the tools in hand to restore justice and end the tyranny that has plagued humanity for ages.

Related How the Cabal Maintains Their Power And What You Need To Do To Stop It – Un-Consent

Detailed Overview

The activities and exchanges of humanity are managed and governed by law, legal systems, and finance, which are ideally designed to help the individual work in society to achieve their life goals. If these goals are properly refined and discerned, the individual will beneficially contribute to their culture and civilization. And if society was truly lawful, then it will enhance the individual’s creative capacities.

But we don’t live in a world where society is managed in trust and in honor of the rule of law. Instead, all people, the world over, are secretly declared by the State to be insane, incompetent, and spiritually dead, incapable of managing their lives or their affairs in trust and honor. These declarations happen in secret, using the hidden side of the legal and financial system.

The legal system, although founded on real lawful principles, has become a mechanism for tyranny and enslavement—not unlike a hammer being used to kill instead of being used to build. The consequence of the fallacious presumption of incompetency of the individual establishes the debt-slavery model used throughout the world today: the Commonwealth system. Debt-slavery is a literal and legal reality, which is obscured or hidden, and yet can be understood, as the following attempts to detail.

In order to manage the overt debt-based society, a hidden credit-based system was needed. The value held in this credit-based system is managed in trust for our benefit, in this case known as your Treasury Direct Account.

Basis of the Treasury Accounts

The idea that the government has a secret set of books is nothing new, as various freeman and sovereignty researchers have long asserted that the birth certificate is a receipt for the creation of a legal estate, given the same name as the individual.

Reference Material: For specific examples within the legal code of the estate creation process, see the following detailed video.

Creation of Your Estate — The Credit-Based Hidden Financial System

When you’re born, your parents create an estate on your behalf and sign the title over to the State for it to manage, via your birth certificate. Jane Doe, born on such and such a day, is evidence of a new living being with well-nigh limitless creative capacities, who will undoubtedly do things in the world to generate value, be they goods or services. This estate or legal person is given the name JANE DOE—the corporatized version of you or legal person—which is used in all legal matters throughout life, such as job and loan applications, credit cards, drivers license, and so on.

Theoretically, in order to provide for the development of that individual, so they can be the most productive member of society, the State creates various structures, such as civil utilities (townships, cities, states, etc.), financial organizations (banks), educational systems, and so on. All these are developed and provided in trust for the benefit of the individual, with the obligation that they will honor the laws and legal policies of that society.

Simply put, if the government really served the people, it would have to provide resources and tools to help you become the most intelligent, productive, and competent citizen possible. A credit-based financial system simply means that you’re seen as already having value, merely by existing, and then financial mechanisms are created to allow you to access that value in trust with all other people. And in a perfect world, you wouldn’t need to pay for civil utilities, like roads, public services, medical care, education, and so on—because these would be provided for you in a pay-it-forward capacity. The way you “pay back” the government is by being a productive citizen, honoring the laws, and also producing abundance in your life, such as goods and services. And for the most part, the average citizen is a productive member of society—albeit within the limits of the current state of society.

Debt-Based Slavery System

Here’s the problem. The State doesn’t honor their part of the bargain. Instead of truly educating you about your powers of creation, the faculties of your being that create value, they dumb us down via the education system, which makes us literally mentally incompetent, not mention the weapons of mass destruction like electro-smog (the grid) and geoengineering. Within the hidden legal system, the State declares us incompetent, dead, or lost at sea, which means we can’t manage our affairs. Common law is the legal system that was created in the 16th and 17th centuries to manage the citizens that were declared insane and incompetent, also called wards. Admiralty law was created later to manage the estates of these lost souls. And the Uniform Commercial Code U.C.C. is the latest and greatest version of the equity- (commerce-) based slaver system.

Related The UCC Connection – How the Uniform Commercial Code ‘secretly took over’ the world

Image Source.

What does being declared incompetent, dead, and lost at sea mean?

I know this sounds like some kind of superstitious nonsense, but this is exactly what happens in the hidden legal system. By declaring this, the powers that should not be claim we can’t use our credit-based value—the trust accounts. Think of it like this, if you were at a party, and you were intoxicated, you wouldn’t be capable of driving your car home safely. As a result, a friend may take your keys from you to prevent you from doing harm to yourself or others—owing to the fact you aren’t competent in your intoxicated state to drive your car. The same premise is involved here. By declaring us incompetent and dead, the legal system takes control over the accounts and uses it for their own purposes.

By declaring us lost at sea, the legal system prevents us from clearing the air or rebut the presumption. And since we’re considered insane, the government doesn’t trust us to use our value. As a result, they had to create a debt-based monetary system, one that assumes everyone is worthless from the start, and only have worth when working to earn a living, and in doing so, actively contribute to the systems of slavery. This is why gaining knowledge of the law is so important, else you are an unwitting pawn of the financial elite.

Related The Underworld Death Dealing Practices Of The Elite | Birth, Marriage and Death Estate Are Seized and Traded By The Government

What this means is that the hidden credit-based system is used to prop up the debt-based system we use every day. So while you don’t see the credit-based system, you most definitely see the debt-based system when you pay your taxes, when you apply for a loan, and when you are charged with a crime (court costs)—to cite a few examples.

The reason it’s often referred to as a debt-based slavery system is because we have to work in the system to survive. Instead of using our inherent value and creative potential to produce our own abundance and prosperity, our energy is used to support the systems of society, largely designed to defraud the people and aggregate wealth and resources into the hands of a few—the so called financial elite, Illuminati, Deep State, Shadow Government, and so on.

Related Modern Slavery | The True Reason behind the 40-Hour Work Week and Why Most People Are Economic Slaves

But can’t I just go to the government and say: “I’m not dead or lost at sea! I’m right here. Now let me have my value!” 

Unfortunately, it’s not that simple.

The government declared you incompetent within weeks of your birth. You would have had to present yourself to the state, giving notice that you are alive, not insane, and not lost a sea before your seventh birthday. But since most of us had no clue about any of this, we never did. And while there are various techniques for addressing this situation, since the government has abandoned the rule of law and has effectively gone rogue, most people haven’t been successful.

What this means is that in the eyes of the government, we have no power or authority over our own minds, bodies, and the things we do with them. This is how the world has been run for centuries, with a progressively evolving debt-slavery system that eventually gave us the near technocratic one we use today.

Related The Birth Certificate, Cesta Que (Cestui Que Vie) Trust, “Justice System” and What Role We SHOULD Play

Estates, Competence, and Rights

The concept of an estate is another rather baffling idea to most that needs be understood. There are two general types of estates, which I am designating the real you and the estate or legal person for the purposes of this discussion. Estates are always “fictional” in that they are purely conceptual or metaphysical things, they are a fictional representation of the real person and what that person does in life; just like how a map is not the territory, the estate is not the living being, only a legal/fictional person.

The Real You

The real you is everything you do with your being, your body, mind, and energy system, along with all the things you create with your being, most especially, the nature and quality of the relationships you have with others and the world. This is also known as a True Trust, but we will stick with the term the real you. When you create something, you can transfer it to another, who receives the right to use it—ownership is the right of use and right to delegate, which includes physical possession. The right to delegate us, or the right to let someone else use what you own, whether a physical object like a car or a metaphysical object like your name.

For example, the “state of your being”—happy, sad, uplifted, depressed, creative, bored, all affect your output, the fruit of your labors—thus your mood is one example of the real you. The products or things you produce with your time fall under your care—your house can either be messy or clean, depending on how you manage it. And again, these “objects” also include metaphysical things like, ideas, beliefs, desires, and the stuff of your consciousness—clearly the things the real you uses everyday.

The very fact that you exist in reality and do things in it means you have relationships to things and people, which can be described legally as an estate. But how you manage your affairs demonstrates if you are competent or not. For example, if you have a car in your possession, but lack the skill to drive it, this status would be one of incompetence. If you drive the car without knowing how, you might hurt yourself, other people, and damage property. As such, your ability to manage your affairs, what you do with your time on this planet, reflects your competence. One who can manage their affairs or estate in trust with all other beings is often referred to as a sovereign.

An Estate — The Legal Person

The real you, as was just defined, is also codified legally as a legal person, also known as an estate. An estate is the tool you use to interface with the legal world, where business is done between other people, in a given jurisdiction of law. The integrity of the legal system where you live manages the estates of other people, which means that technically you can use your estate but you don’t own legal title to it. Since what gives your estate legal power is ultimately derived from the legal system where you live, you have the right to use your estate but it isn’t yours in the sense that you own your name. (I know it’s hard to keep track of these concepts when the words we use to refer to them are the same. The legal system intentionally did this to make it even more confusing for people to understand the law.) 

Image Source.

What this means is that there is a legal “reflection” of you that keeps track of everything you are, do, or will do, in relation to the government—your legal person. This estate is the thing we use to engage others in society, often called commerce. In most governments the social security number is the identifier that links your physical being to your legal person, hence you need it to get a job, a bank account, approval for a loan, etc. For example, we might provide our social security number to the IRS to pay taxes, which links the real you to your legal person or estate.

The legal person is tool the State uses and maintains as an interface between the real world and the purely conceptual world of the legal system. While the idea of a legal person is often vilified, it is not inherently evil or nefarious. For example, your name is one aspect of your purely conceptual self, something that was arbitrarily given to you, but has no material substance. Despite the wholly non-material nature of your name, it is still an incredibly useful thing to use, especially in social settings (whether casual or in business). The legal person is very similar in that it is a purely conceptual tool we use to do business or cooperate with others.

As an interesting, but non-critical side note (skip this if you’re already confused): The name United States of America also has a secret meaning of united estates of America. Recall that the U.S.A. is supposed to be an “enlightened republic” which means the individual and their rights are held in trust as the highest measure of lawful authority—meaning, the State or the mob can’t trump the individuals inalienable rights. The legal consequence of this precept of law is that in order to manage the affairs of all the “sovereigns” on the land, they employed estates or legal persons—tools to manage all the rights of the individual people. Prior to the dissolution of the de jure constitutional republic in 1861, these estates were managed under the best constitutional law that existed at the time (hardly perfect, but better than what we have today.) Since that time, the constitutional republic was dissolved—due to congress being abandoned—and martial law was instituted along with the second american bankruptcy, which applied all the estates of the people as surety liquidation of assets related to the original social contract—the constitution. This is important to consider when trying to understand the pure concept of a legal person and estate. In this case, the original use was a tool for lawful governance but then was later used as a tool of enslavement. Ergo, the tool is not the source of evil itself, it’s how it is used. Today, martial law and bankruptcy have continued. The third american bankruptcy took place in 1933, which reorganized the proceedings, removing constitutionally defined lawful money (gold and silver) and replaced it with debt-money, backed by the “full faith and credit of the people.” It is this present day situation that is unlawful and insidious.

The problem with the legal person is how it has been defined and used by the State. If the government was acting lawfully this legal version of us would be maintained in trust for our benefit—without fraud, deceit, or dishonor. It wouldn’t be used to enslave us or to commit fraud. How the legal person, as it exists today, is used as a tool of your enslavement is a large discussion. But in the main, the legal system can’t deal with the real you, it can only deal with your estate or legal person. However, you didn’t design or create your legal person, the State did, and as such they own it (retain legal title) and misuse this legal version of us in all manner of insidious, deceptive, and dishonorable ways.

Think of it like this: If you are a musician in an orchestra, you might play a piece of music that was written by a composer. What you play, your performance, is yours, but the music itself was written by someone else, which means it isn’t completely your own creation—it’s a marriage of performer and composer. In the same way, the legal person is the thing the government creates for you to use, to perform things in society with, ideally in a lawful capacity. This legal version of you is useful because the State maintains a system of law to ensure everyone’s estates are managed fairly (in trust)—this is the pure concept anyway. Of course, as many know, the system is hardly lawful, and yet, the essential fabric of what makes a legal person or estate what it is—an agency of the State—still holds true.

Hidden Accounts Used By the Government

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