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CLARKSON'S NO CHECKS
THE REAL FINANCIAL PRIVACY METHOD


BY DR. ROBERT B. CLARKSON


FOR MORE COPIES
ORDER FROM THE PATRIOT
BOOKSTORE, P.O. BOX 17001
GREENVILLE, S. C. 29606
OR CALL 803-225-3061





CLARKSON'S NO CHECKS
REAL FINANCIAL PRIVACY



ABOUT THE AUTHOR

ROBERT B. CLARKSON


Dr. Robert Barnwell Clarkson resides in Anderson, SC with his wife Fran and
daughter Caroline.

Dr. Clarkson was educated at Clemson University where he graduated in 1969
in Economics and the University of South Carolina where he graduated in 1974
with a Juris Doctor Degree.

The Author is currently the Executive Director of the Patriot Network, the
National Association of Independent Patriot Groups, and publishes The Patriot
Cannon, the national magazine of the Freedom Movement ($25 annual) and which
includes "Clarkson’s Law Course".

No Checks is the author's first book, but his lectures are available on 90-
minute cassette tapes: (.1) "Tax Audit Procedure" with Dr. George Arlen d*

Ed Lowery; (2) "Patriot Protection" (3) 'Criminal Tax Law", and (4) "Judgn^ent
Proofing - How To Protect Your Assets", $10 each from Patriot Bookstore, PO
Box 17001, Greenville, South Carolina 29606.

No Checks is an expansion of Clarkson's Law Course # 1, an insert to the Jan. 80
issue of The Cannon. For sample copy of The Cannon , send $5.00 to: The Patriot
Cannon, 515 Concord Avenue, Anderson, SC 29621 (803-225-3061).

The author is now preparing several books on the subjects listed above, now
available only on tape and in the law Course. For a list of other Clarks cn
materials, contact the author.

Copyright 1981, All Rights Reserved
Fran P. Clarkson
PO Box 170U1
Greenville, SC 29606










CLARKSON'S NO CHECKS
REAL BANKING PRIVACY


No checks means no checks. In no circumstances has a check, the
epitomy of the strangulation of third party records in our society,
ever helped a protection-minded taxpayer. When you join our move¬
ment to save our blessed country from the current path of certain
destruction, you must change your business procedures and change
your life-style somewhat. This alteration cannot be avoided.

banking privacy is only achieved by not having a banking account. The
most effective step in a taxpayers protection procedure is closing his
bank accounts. This should be your first effort.

1. In the old "fellow traveler" system, you needed to maintain
records to prove deductions and expenses if you were audited on
your income tax returns (this is a widely mistaken fallacy), to
manage one's own affairs and to pay bills through mail, etc.
However, better, easier methods exist plus checks and other third
party records are accessible to hundreds of people, including
federal agents.

SEPARATE YOURSELF

2. To separate yourself from the banking system, you must close all
accounts at bank and S&L Assns. We have noticed over the years
that taxpayers who maintain any checking account, will eventually
use it more and more.


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Incidentally, some S&L Assn's are now refusing to let depositors
move their funds to other saving institutions with higher interest
rates. If you have a S&L or bank savings account, read the in¬
structions on the first page of the account book and you will
discover that the banks have the right to delay your withdrawals.
You are taking a chance of losing your hard earned savings.


DEAL IN CASH


3. You must deal in cash and recycled checks (explained below) . If
you have any savings or cash that you do not wish to leave
around without interest, purchase a little gold or silver at
your next regular patriot meeting. Gold and silver hold their
value very well, have appreciated tremendously lately, and if
in bullion coin form, are very liquid.

If you attend regular patriot meetings (if not, you should start)
you will find other people who are interested in changing worthless
greenies for hard currency. For more information, call R. Clarkson
at 803-225-3061.


WITHDRAW

4. Temporarily, let us be reasonable, not smart. Most people are too
engaged to the checks and balancing act to withdraw overnight. But,
anyone can start now. You can begin paying cash for groceries,
clothing and everyday purchases. Anyone can slow down the amount
of checks written and use them only for utility payments, mail order
purchases, etc. Incidentally, if you have a checking account and
purchase packets or books from well known patriots, by all means,

do not write a check to them.

Even though Patriot leaders do not have checking accounts and will
only recycle your check, your bank records are subject to seizure
and relevations on your association with known patriots will not
endear you to the persons who have seized the microfilms of your
past checks.

5. Small businesses can start gradually using their petty cash fund on
an expanded scale. Eventually, one will discover that the no check
policy is easier, better and more businesslike, allowing one to
save tremendous amounts of time (i.e. money) and remain just as
legal, efficient.

6. THREE BASIC EXCHANGE RECHANISFE WITHOUT BANK CHECKS:


a. Recycled Checks:

Simply endorse your incoming checks over to your creditors
to make payments.


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For exarrple, endorse your check from a debtor over to a
third party payee by simply writing on the back of the check:
"John Staith endorsed to the Duke Power Co." This means that
Duke Power Co. must accept the check and deposit it to their
account. Anyone else who sniches, steals or misappropriates
this check will have difficulties negotiating it.

Even more simpler, but with seme risk, you can mail the
check to the third party by endorsing only your name on the
back, i.e. "John Smith" without the "To Duke Power Co."

Recycling forms to aid you when you begin this method of
paying third parties are in the appendex or are available
in the Patriot Protection Packet published by the Carolina
Patriots. Order now for $50 from the Carolina Patriots,

P0 Box 17001, Greenville, SC or call R.B. Clarkson at 803-
225-3061. Send $1 & SASE for a few forms.

NOTE: This and other materials offered herein are subject
to today's raging inflation. Therefore, expect unforeseen
and unnoticed price increases.

Recycling incoming checks to pay your bills is much simplier
than you can imagine. Try it.

Cash Fayments:

In the last two decades, Americans have developed a reluctance
to deal with recordless, spendable cash. The government has
encouraged the banks to allow fee banking in other countries,
bank customers pay a fee for each check, i.e. 25which is the true cost to the bank for processing the same.

However, for 25 instead of checks, i.e. Big Brother would not have the handle
or threat on the populace. Anytime you have a confrontation
with a federal or state agent, if you stand up for your rights,
they will always slug out the subtle threat that further
resistance on your part would force them to pocket surmons your
bank records. This is what Big Brother wants - an ax hanging
over your head.

But you can remove this threat to your property this outrageous
and continuous violation of your privacy, by one simple method:
No checks.

If you are now writing checks for small daily purchases, halt.
Pay cash whenever possible, especially for personal services
and repairs because small businessmen would also see the
light and maybe join the cause. Carry cash with you and do
not write checks for any purchase paid for at a time of
picking up, as groceries or clothing.


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If you are concerned about safety and carrying wads of cash,
simply purchase money orders or travelers checks and carry
them unendorsed. So, if you need to make a sudden, unantici¬
pated purchase, use the money order. If you find you are
needlessly carrying them around, you can still lose them for
mail order purchases or paying bills.


THE BEGINNING


At first you will notice some difficulties in changing
from checking account system to cash plan, however, this is
to be expected but will soon disappear - give it a try.

For example, you may discover yourself without enough cash
to purdtase a desired commodity because you usually rely on
your bank system.

This is only a temporary malady - you will soon leam to
anticipate cash needs and then be prepared. Just takes time.


DISADVANTAGES?


The expense of money orders is nothing compared to what
the government is stealing from you. Actually, many earlier
Patriots had to get out of banks and therefore had to buy gold
and silver at $90 and $2 an ounce, respectively. Need I say
anymore.


RECORDS


If you need to keep good and adequate records, use a spiral
notebook with pendrawn lines for a cash disbursement journal,
or purchase from any office supply store several types of
ledger sheets, including specially designed cash disbursement
journal for these operations.

Actually, the bank checkbook does have one use: the stubs
from your checkbook or the checking account journal distribu¬
ted free by the bank when you purchase checks can be used
very handily as a cash disbursement journal. When you throw
away your checks, retain the stubs or account book and use
them as your cash disbursements journal.

Businessmen can begin paying employees or independent contract¬
ors in cash, but should have them sign or initial each
receipt. Businessmen can pay for all deliveries in cash,
which is encouraged by distributors anyway. The normal
businessmen can convert all payments to cash much easier
than he could possibly imagine, if he would just start.


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Years ago, Dr. John Tate and other Patriot leaders came to
my office in SC and informed me that I was to quit writing
checks if I was going to be active in their movement. I
thought these well intending and courageous gentlemen were
joking. I said: "How can I run a law office without a
checkbook"? They simply replied "Try It".


WRITE FEWER CHECKS

I began writing fewer and fewer checks for my personal
accounts and discovered this was not only much more
convenient, simple, but-mucli appreciated by the merchants.
Ihen I recycled checks, money orders made to my law office
and found that recycling worked better. My secretaries
were delighted to be paid in cash, and merchants were even
more so. I never had any problem recycling insurance
company or checks from big businesses. Recycling is much
easier than you think, if you will only start.


LEGALITIONS


Even though the IRS would love to outlaw cash payments,
they can not and have not even though seem to claim such
to many people. No law or IRS regulation whatsoever requires
you to write checks. The enemy simply wants you to have
some type..'of record they can control-to control you better.

The enemy does have a law requiring businesses to maintain
an undefined record system, but the style and extent of your
record keeping is your decision. Your cash disbursements
journal would be more than sufficient to meet your business
requirements for records. As to their standards of record
keeping - Do not worry - you do not liave to let them see
your records anyway. You can REFUSE to show or produce
records to IRS. For more on protection of your personal
or business proprietorship records, send $15.00 for Marvin
Cooley tapes or $25 for Cooley Taxpayer's Rights Packet to
Patriot Network, 515 Concord Ave., Anderson, SC 29621.

Safety & Privacy , Ihe US Supreme Court has ruled dozens of
times that your personal records, documents are your personal
property and cannot be seized by any government agency,
hundreds of federal court decisions highlight your rights to
refuse to surrender your records to IRS or other predatory
agencies. Complete details, citation and court cases in Cooley
materials above.

In other words, the only way for IRS to discover your business
records and your income is (1) voluntary surrender by you or
(2) sunnons to a bank or other third-party recordkeeper, if


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you have none, they collect NOTHING.

If you want to be a free man, remember, the basic principle:

NO CHECKS.

c. Money Orders:

You can purchase money orders or bank checks very reasonable.
Shop around for the best price. Stay away from Post Office
or government money orders. Some financial institutions now
make enough interest on the float, i.e. unredeemed period,
that they issue certified funds free. We can expect more of
this as lose of money orders increase.

Remember, do not purchase money orders from the bank where
you have an account or had one because the institution may
associate the money order purchases with your cancelled checks.
By all means, do not have any financial transactions with the
bank where you have a checking account. Any third party
record therein can be recalled by prying employees or the
bureaucrats.


CASE HISTORY


V.M. reports when he closed out his checking account years
ago he began purchasing a few money orders from local banks
located close by for his business transactions. Recently,
the government initiated summons enforcement against his banks
and discovered that he had very little banking activity even
though in a successful business. The Internal Robbery Squad
then discovered that he was a heavy purchaser of cashiers
checks. The enemy served a §7609 sunnons against all the banks
in the area close bo his business to discover his purchases of
money orders.

However, the banks fought the stmnons in federal court claiming
they maintained no indexing or records of money orders purchased
by any person not a depositor and "to determine all cashiers
checks purchased by V.M. would necessitate the inspection of
over 90,000 cashiers checks . . . (which) are not computerized
alphabetically, or any way segregated . . . that such inspection
and determination would be depressive and burdensome to
(the bank) and disruptive to its duties."

The financial institutions basically took the position that
searching their records for purchases by a non-depositor
would practically be impossible as it would cost a fortune
and take years. Without a filing system, bank clerks would
have to search through hundreds of thousands of old records


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at tremendous expense - because V.M. had no account at the
banks.

However, had he mintained an account there, the banks would
have kept a record, indexed and easily accessible to the
computer. The Solution: Do not buy money orders where you
had an account.


ALIASES

If you purchase a money order from a convenience store or
bank, use another name - as George Washington or Benjamin
Franklin. Even best, purchase them under the name of someone
you do not like or a name of a liberal politician, as George
McGovern. Then when the L.I.R.S. (Lying IRS) snoops through
past bank microfilms of money orders, they will see ag^in and
again the same name and will investigate him also.


NO QUESTIONS

Most money order sellers will not ask the purchaser's identity,
but if they do, just give an assumed name. By all means if
tellers do not request identity, donot enter it upon money
order, do not put it own yourself. This privacy has no effect
on the transaction. Incidentally, savings and loans do have
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