Equal Justice News Release | News Release |  Predatory Lending News Release

Testimony of God’s Blessing by Pierre R. Augustin!

The God of Israel, Abraham, Jacob, Job and David has delivered me and released me from all my debts. I give thanks to God for releasing me from my tribulation and torments, and I testify to the Goodness of God in my life. Thanks to the Blessing of God, I do not owe the banks anymore. Glory to the Lord My GOD, for he is MIGHTY! Alleluia! Alleluia! Alleluia!

I had refinanced my house in Lowell, Massachusetts in order to support my company, AdMerk Corp. Inc. incorporated in February 2002 in the state of Delaware, USA. AdMerk was also located on the ‘Route de Delmas’ in Haiti, after having answered my mother’s request to come help her in Haiti due to her poor health condition.

I trusted God yesterday, I trust God today, and I will trust God even more until the last day of my life. I am testifying to God’s Goodness and Blessing publicly because of a `Convenant' that I made with GOD the Father, the Son and the Holy Spirit. First, I love God then I love you. Glory to the Lord My GOD, for he is MIGHTY! Alleluia! Alleluia! Alleluia!

In addition, I had asked God to protect me and never to let me fall victim to the insecurity in Haiti and I pray relentlessly. In seeking God’s protection, I fasted almost every day where I was living at Delmas 19, Port-au-Prince without any maidservant and Body Guard (God is my Body Guard and Protector!). I circulated by car or by foot during the day and evening without any fear in the name of the Lord, Jesus and the Holy Spirit. Indeed, I left Haiti safely without any direct threat or attempt of deadly physical harm or being kidnapped [Psalm 91:7] by the Grace God, Jesus and Holy Spirit. Glory to the Lord My GOD, for he is MIGHTY! Alleluia! Alleluia! Alleluia!

In March 2005, I went to Haiti for an appointment at the American embassy for the Permanent Residence of my parents, and I left Haiti on July 1, 2005. Upon my return to the United States in July 2005, I made the decision to close the business because of the widespread insecurity, lawlessness, chaos and especially because of the lack or non-existence of commercial activity in Haiti.

When I arrived in Boston, I explained all my economic difficulties to DanversBank and informed them of the danger of `Kidnapping' which exists in Haiti and that I had no choice but to close the business in Haiti. The person in charge of my file at DanversBank, Danvers, Massachusetts, Allen Byrne, told me that my story sounded like a James Bond film (007). He said the bank will proceed to seize my house and sell it to recover the money that I owed them. I begged him to give me just 3 months to obtain a professional job in order to continue to pay the debt each month during the next 7 years because I was tired with the degrading situation, chaos and insecure climate in Haiti.

Allen Byrne of DanversBank, refused to speak to me and accelerated the debt entirely by asking me to pay immediately (Exhibit 6). Therefore, I was forced to file for bankruptcy [Deuteronomy 15], on September 26, 2005 (see Exhibit 7), in order to prevent the bank from seizing my house. Therefore, I became a temporary Substitute Teacher in the Lowell public schools, Lowell, Massachusetts earning $80 per day. When I receive the `Motions' to dismiss from the banks and other defendant lawyers, I was not able to work because I went to the library from the morning until late at night to read the Federal Rule of Civil Procedure in order to write concise answers to each lawyer within 14 days of the motion filing date at the Federal District Court for civil cases, so that my case will not be dismissed; so far so good. (See the http://www.rcxloan.com/Civil_Action_Motion_1.htm and other motions in that same category).

In December 2005, the lawyer for Danversbank has convinced Judge Joel B. Rosenthal, of the Federal Bankruptcy Court in Worcester, Massachusetts (Federal Bankruptcy Case #: 05-46957), to release my house from the protection of the bankruptcy law. DanversBank was able to continue with the sale of the house that was set for March 15, 2006 (Exhibit 8).

In February 2006, I consulted with 5 lawyers. I could not find anyone to take my case due to reasons of conflicts of interests. The conflicts of interest were that all the Real estate lawyers have a possible relation with title companies and also did not want to sue other lawyers of the same Jurisdiction.

Despite advice to abandon my house to the banks, I made the decision to represent myself in both Federal courts in Massachusetts. I made a `Convenant' with God by saying: `Lord my God, You gave me this house. I acquired it with the sweat of my face, and, God, you enabled me to save money to establish my business in the United States and in Haiti. If it is your will that I lose the house and am ruined financially, let it be done.

But, if it is not your will, Help me by increasing my intelligence and comprehension exponentially to understand the civil and bankruptcy law. Help me by giving justice according to your compassion, and Help me to avoid the loss of my house. Glory to the Lord My GOD, for he is MIGHTY! Alleluia! Alleluia! Alleluia!

In addition, I had my Pastor, Frank Randon of New Horizons Church, Lowell, Massachusetts bless my house and I gave God my house in obedience to his word. Glory to the Lord My GOD, for he is MIGHTY! Alleluia! Alleluia! Alleluia!

My part of the `Convenant' that I had promised to God is that I will Publicly Testify the Goodness of the Lord Almighty in my life as David revealed in Psalm 38, 1-23 and Psalm 118, 1-29. Glory to the Lord My GOD, for he is MIGHTY! Alleluia! Alleluia! Alleluia!

(This is) a psalm 38 of David.  (He wrote it so that you, LORD) will remember him.

v1: LORD, do not tell me about my mistakes when you are not pleased (with me).  Do not punish me because you are so angry (with me).

v2: For your arrows have gone deep into me and your hand has come down on me.

v3: My body is very ill because you are so angry and there is no health in my bones because of my sin.

v4: Also, my sin has gone over my head! Like a heavy weight, it is too heavy for me (to carry).

v5: My wounds are going bad, they are making a bad smell. (This is) because I was so stupid.

v6: My sins have bent me down, I am very near to the ground. Every day I walk about in black (clothes).

v7: Also, there is a terrible pain in my stomach. There is nothing good in my body.

v8: I am very weak. Everything is pushing down on me. I am making a noise (like a wild animal) because my heart is so sad.

v9: Lord, you know everything that I want. Nothing can hide me from you when I cry.

v10: My heart is beating fast and my strength is failing me. There is no light in my eyes.

v11: My family and my friends stay away from my wounds. The people that live near me stay far from me.

v12: Also, the people that are trying to kill me set traps for me. Those people that want bad things (to happen to me) are planning to destroy me. They only think about (their) lies all day long.

v13: But I am like a deaf man. I hear nothing. Also, I am like a dumb man. I do not open my mouth.

v14: So, I have become like someone that hears but does not answer.

v15: O LORD, I have waited for you! (I believe) that you will answer (me), O Lord my God.

v16: I say this so that my enemies will not laugh at me. When my foot slips they stand up against me.

v17: For I am ready to fall and my pain is always with me.

v18: But I will say that I have done bad things. My sin is always a trouble to me.

v19: Many people hate me for no reason. A lot of people are saying lies about me.

v20: Some people repay evil for good. They fight me when I try to do what is good.

v21: Do not leave me, O LORD. O God, do not go far away from me.

v22: Hurry to give me help, O Lord my Salvation.

Psalm 118
v1:  Thank the *LORD because he is good. His *kind love will always be (with us). 

v2:  Israel must now say, "His kind love will always be with us".

v3:  The house of Aaron must now say, "His kind love will always be with us".

v4:  Everyone that is afraid of the *LORD must now say, "His kind love will always be with us".

v5: (My enemy) shut me (in a prison). There I cried to the *LORD. The *LORD answered me and made me free.

v6: The *LORD is with me. I will not be afraid. What (bad thing) can anybody do to me?

v7: The *LORD is with me. He gives me help. So, I will see (the *LORD destroy) my enemies.

v8: It is better to *trust in the *LORD than to *trust in people.

v9: It is better to *trust in the *LORD than to *trust in the leaders (of people).

v10: All the *nations were round me, (but) I destroyed them *in the name of the *LORD.

v11: They were all round me, yes, all round me. (But) I destroyed them in the name of the *LORD.

v12: They were round me like (a cloud of) *bees. They burnt (quickly) like a (dry) bush (burns quickly). I destroyed them in the name of the *LORD.

v13: (My enemy) pushed me so that I started to fall. But the *LORD gave me help (not to fall).

v14: The *LORD makes me strong and gives me psalms to sing. He has saved me.

v15: Listen to the happy shouts of God’s people in their *tents. (They do this) because they have destroyed (their enemies). The *right hand of the *LORD is very strong.

v16: The *LORD has lifted his right hand very high. The right hand of the *LORD is very strong.

v17: I will not die. I will live. I will tell everyone what the *LORD has done.

v18: The *LORD has *punished me a lot, but he has not let me die.

v19: Open the gates of the *temple for me. I will go in and thank the *LORD.

v20: This is the gate of the *LORD. *Righteous people can go in through it.

v21: Thank you because you answered me. You saved me.

v22: The men who were building threw away a stone. It is now in an important place at the corner (of the building).

v23: The *LORD has done this. And we think that it is *wonderful.

v24: This is the day that the *LORD has made.  We will be happy in it, we will be very happy.

v25: *LORD, save us now! *LORD, make us do very well!

v26: The man that comes in the name of the *LORD will be *blessed. We *bless you from the house of the *LORD.

v27: The *LORD is God and he has made his light to shine on us. With branches in (our) hands we will go with the people who are going to the *feast. Go to the *horns of the *altar.

v28: You are my God and I will thank you. You are my God and I will say that you are great.

v29: Thank the *LORD because he is good. His kind love will always be (with us). 

DanversBank decided to sell the house on March 15, 2006 (Exhibit 9) which was published in the newspapers. In an effort to stop the sale through legal action (Federal Civil Case #: 06-10368), I filed for an injunction at the Federal District Court in Boston, Massachusetts in hope to prevent the sale of my house. On March 11, 2006, I received the decision of the Judge and my request was denied (Exhibit 10). I was unaware that Commonwealth Land Insurance Company, voluntarily assumed (unexplainable reasons) the debt of DanversBank on March 9, 2006 by taking over the note. I was informed of this just one hour before the public auction sale time of 10 A.M. on March 15, 2006 [Josua 10:12 - 13, Daniel 6:16 - 23]. Glory to the Lord My GOD, for he is MIGHTY! Alleluia! Alleluia! Alleluia!

Even now, without any legal pressure on my part or personal request to their lawyers/Commonwealth, Commonwealth Land Insurance Company and DanversBank, have made no revelation of why the sale of the house at public auction was postponed to a later date. In effect, all my legal efforts were useless. If the sale had taken place on March 15, 2006, it would have been the end and I would not have had any legal remedy then because I did not yet have the knowledge and the know-how (until September 2006 or 6 months later) to block or to prevent the sale.

I finally invoked the right of rescission. Upon issuing the rescission notice, the security interest in my house is void. Now, the banks must refund all of the monthly payments I made since May 2002, and their mortgage is no longer secured by my house effective immediately and automatically on September 21, 2006 as a defense to foreclosure (see Exhibit 11 & 13, reg. Z §§ 226.15 (a) (2), 226.23 (a) (2), Official Staff Commentary § 226.23 (a) (2) - 1) & 15 U.S.C. § 1635 (b)). Glory to the Lord My GOD, for he is MIGHTY! Alleluia! Alleluia! Alleluia!

In Haiti, I lost more than $100,000 US, in spite of having a Master in Public administration (MPA) from Suffolk University, Boston, Massachusetts in 1997 and a Master in Business Administration (MBA) from University of Massachusetts, Lowell, Massachusetts in 1999. In addition, I was in the midst of losing my family, my house and I was tempted at ending my life. Now, me and the Lord my God, are in the battle against [Josué 10:8] nearly 20 Lawyers (see Exhibit 12) to obtain FREE and CLEAR title for my house according to the Federal law of `Regulation Z' which stipulates that no Judge has discretion to set aside the voidance of the security interest (Exhibit 13 (ABC)). Glory to the Lord My GOD, for he is MIGHTY! Alleluia! Alleluia! Alleluia!

On September 21, 2006, by the Grace of God, Jesus and the Holy Spirit, by granting me his Divine Knowledge and his Spiritual Guidance, I received a Favor [Deuteronomy 28:1 - 14, Job 42:10] of `GOD' more than 10 times what I lost in Haiti. At last, by the Grace of the Lord my God, I am no more in the Chains of Debt or financial bondage, having received God’s financial Deliverance, peace of mind and God’s supernatural revelation and guidance "to safeguard his and my house from this world". Glory to the Lord My GOD, for he is MIGHTY! Alleluia! Alleluia! Alleluia!

The Lord My God is so Wonderful, Faithful and Never Lies! Thus, I leave you to reflect and to meditate on the text of [Luke 11:9-10]: ‘So I say to you, Ask, and it will be given to you; search, and you will find; knock, and the door will be opened for you. For everyone who asks receives, and everyone who searches finds, and for everyone who knocks, the door will be opened."

In the same way, I leave you to reflect and meditate on the text of [Matthew 21:21 - 22]: ""Most certainly I tell you, if you have faith, and don't doubt, you will not only do what was done to the fig tree, but even if you told this mountain, 'Be taken up and cast into the sea,' it would be done. {21:22} All things, whatever you ask in prayer, believing, you will receive."

"May God Bless You!"

Pierre-Richard Augustin, MPA, MBA, Chief Financial Executive