Citing RICO Violations to stop unlawful debt collections

Who is Zach Moore?

and what to know about my movement

If you’re reading this, take it as a call to prepare—for yourself, your family, and the world around you.

At the heart of my movement is a simple but powerful truth: any contract secured with a lie, or a claim not backed by anything real (like the U.S. dollar and debt), cannot be enforced. Moreover, those who attempt to collect on these fraudulent contracts are committing crimes and are liable to RICO charges for perpetuating a system built on deception.

I’m Zachary Moore, and I’m leading a movement to destroy the U.S. dollar, bankrupt billionaires, and end the tyranny of usury. I grew up in a trailer in Alabama, surrounded by the poverty and oppression that debt creates. I worked my way out, earning $550,000 a year as a top sales consultant, but in 2023, I realized I was part of the problem—a system built on lies, fiat currency, and the exploitation of human labor.

So, I walked away. I quit my lucrative job, defaulted on $1.25 million in debt, and began dismantling the illusion of financial control. My credit score dropped from 760 to 341, but I was finally free. Now, I’m rallying others to join me.

Through my movement, I’ve created RICO documents that expose the fraudulent nature of debt and empower people to fight back legally. Over 2,000 people have already downloaded these documents. If each of them defaults on an average $400,000 mortgage, we’ll cause $800 million in direct losses—and $80 billion in leveraged derivatives damage. This isn’t rebellion for its own sake; it’s a strategic assault on the financial system that enslaves billions.

But this is more than a financial revolution. It’s also a warning. The lights of the world’s major cities are about to go out. Grocery shelves will empty. Gas pumps will run dry. Police will stop answering the phone. Those who have not spiritually and practically prepared will suffer and panic needlessly.

While there is still time, I urge you to prepare. Gather food, fuel, and supplies. Protect your family. Warn as many people as you can. The system of usury is collapsing, and it will take the unprepared with it.

This is not the end—it’s the beginning of freedom for those who understand the truth. It is a call to self-governance, to justice, and to love. Reject the lies. Embrace the truth. Together, we can dismantle the principalities of darkness and usher in the kingdom of light.

RICO Introduction

Below you will find 4 documents to various parties alleging Racketeer Influenced and Corrupt Organizations Act (RICO) violations and requesting appropriate responses (investigation, cease and desist, and restitution)

1. Letter to the Colorado Attorney General
2. Notice to Elbert County Sheriff
3. Notice to Lending Institution via the Consumer Financial Protection Bureau 
4. Request to United States Trustee of Colorado to investigate RICO violations (office is member to the DOJ and FBI)

Remember, you can use any of these templates as a base and have ChatGPT tailor the messaging to your specific use case and information. Simply paste one of these into ChatGPT with the prompt saying “Rewrite this letter according to my situation. My situation is (describe your situation). 

I am submitting these complaint regarding the unlawful debt collection practices by several lending institutions, including Porsche Financial Services, Alliant Credit Union, American Express, and Harley-Davidson Financial Services dba Eagle Savings Bank. These institutions have engaged in illegal activities related to fraudulent debt collection and repossession efforts. After thorough investigation and consultation, I have reason to believe that these actions are not isolated mistakes but rather part of a coordinated scheme that constitutes a violation of the Racketeer Influenced and Corrupt Organizations Act (RICO).

What is a RICO Violation?
The Racketeer Influenced and Corrupt Organizations Act (RICO) is a U.S. federal law designed to combat organized crime by prosecuting individuals and organizations involved in a pattern of racketeering activities. Racketeering refers to any illegal activity carried out as part of an ongoing criminal enterprise. Under RICO, any group or individual engaged in at least two acts of racketeering activity over a 10-year period can be charged.

These acts can include fraud, bribery, extortion, and other illegal practices used to further the interests of an organization. A RICO violation does not require that an individual be the direct perpetrator of each criminal act, only that they be part of a broader criminal enterprise that commits such acts.

Why a RICO Violation Is Relevant to These Lending Institutions
In my case, the behavior exhibited by Porsche Financial Services, Alliant Credit Union, American Express, and Harley-Davidson Financial Services dba Eagle Savings Bank fits the definition of racketeering. These institutions have been knowingly and repeatedly involved in unlawful debt collection practices and attempts to repossess properties based on fraudulent claims. Despite my formal disputes and requests for proof of valid debt, they have persisted in their attempts to collect debts without providing necessary documentation.

This persistence in pursuing an unlawful debt constitutes fraudulent activity that not only violates consumer protection laws, such as the Fair Debt Collection Practices Act (FDCPA), but also aligns with RICO's broader goal of addressing systematic, organized illegal activity. The coordinated actions of these financial institutions suggest a broader effort to deceive and manipulate consumers for financial gain, at the expense of the victims.

Given the pattern of conduct exhibited by these institutions, their actions constitute an unlawful enterprise designed to defraud consumers, and I believe an investigation into potential RICO violations is warranted. The penalty for engaging in such activities under RICO includes up to 20 years of imprisonment and fines reaching up to $250,000, or double the proceeds obtained through these illegal practices. It is clear that these financial institutions should be held accountable under these severe penalties, and I request that the Department of Justice initiate a formal investigation into these actions.

Request for RICO Investigation to Colorado Attorney General

[Your Name]
[Your Address]
[City, State, ZIP]
[Your Email Address]
[Your Phone Number]
[Date]

U.S. Department of Justice
Office of the Attorney General
950 Pennsylvania Avenue, NW
Washington, D.C. 20530-0001

Subject: Urgent Request for Investigation of Unlawful Debt Collection Practices and RICO Violations

Dear Attorney General,

I am urgently requesting an investigation into unlawful debt collection practices and potential violations of the Racketeer Influenced and Corrupt Organizations (RICO) Act. These violations involve multiple financial institutions, the Elbert County District Court, and the Elbert County Sheriff's Office in Colorado.

Specific Complaints

1. Replevin Order by Judge Theresa Slade
• In September 2024, Judge Theresa Slade of the Elbert County District Court issued a replevin order (Case Number 2024CV30056) to Porsche Financial Services. This order was based on what I believe to be a fraudulent debt contract.
2. Auction of My Home
• In November 2024, Elbert County facilitated the auction of my home to Alliant Credit Union based on similar fraudulent claims.
3. Imminent Eviction
• Sheriff Tim Norton of Elbert County has informed me of his intention to enforce an eviction order on Thursday, December 5th, 2024, as part of this ongoing scheme.

Involved Financial Institutions

• Porsche Financial Services
• Alliant Credit Union
• American Express
• Eagle Savings Bank

Supporting Evidence
I can provide the following evidence:

• Correspondence with employees of Elbert County and the financial institutions named above.
• Affidavits filed with the courts challenging the legitimacy of the debt contracts.
• Records submitted to the Consumer Financial Protection Bureau documenting these practices.

This evidence outlines a pattern of conduct consistent with unlawful debt collection practices prohibited under the RICO statute.

Request for DOJ Action
I ask the Department of Justice to:

1. Investigate Porsche Financial Services, Alliant Credit Union, American Express, and Eagle Savings Bank for potential fraudulent debt contracts.
2. Examine the role of Elbert County officials, including Judge Theresa Slade and Sheriff Tim Norton, in facilitating these actions.
3. Assess these activities under the RICO statute, particularly regarding the collection of unlawful debts.

Urgency of Request
The planned eviction by Sheriff Tim Norton requires immediate intervention to prevent further harm. Sheriff Norton can be contacted at tim.norton@elbertcounty-co.gov regarding this matter.

I am available to provide all supporting documentation and testimony. Please contact me directly at [Your Email Address] or [Your Phone Number].

Thank you for your prompt attention to this matter.

Sincerely,
[Your Full Name]

Notice to Sheriff of RICO Violations

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Tim Norton
Sheriff of Elbert County
[Address]
[City, State, ZIP Code]

Dear Sheriff Norton,

I hope this letter finds you well. I am writing to follow up on my previous correspondence regarding the unlawful debt collection activities you have been instructed to carry out. In this letter, I wish to further elaborate on my concerns by referencing the Racketeer Influenced and Corrupt Organizations Act (RICO), as outlined on the Department of Justice (DOJ) website, and connect it to the actions in question.

The RICO statute establishes that it is unlawful for anyone employed by or associated with an enterprise engaged in activities affecting interstate commerce to participate in the conduct of that enterprise’s affairs through a pattern of racketeering activity or the collection of unlawful debt (18 U.S.C. § 1962(c)). The intent behind this legislation is to eradicate organized crime and its detrimental impact on society.

According to legal interpretations of RICO, as clarified in cases such as Russello v. United States and Sedima, S.P.R.L. v. Imrex Co., a violation occurs when:

1. An enterprise exists,
2. The enterprise affects interstate commerce,
3. A defendant is associated with or employed by the enterprise,
4. The defendant engages in a pattern of racketeering activity, and
5. The defendant conducts or participates in the enterprise’s affairs through that activity.

It is critical to recognize that banks engaging in fraudulent lending practices—including the issuance of loans that inherently guarantee defaults, as illustrated in my earlier letter—qualify as enterprises under RICO. Their activities affect interstate commerce and rely on government and law enforcement to enforce these unlawful debts.

The foreclosure and seizure orders you are being asked to enforce are predicated on contracts that are, by their very nature, fraudulent. As explained in my prior letter, these banking contracts introduce money into the economy with an attached interest that cannot mathematically be repaid by all parties involved. This systemic scheme guarantees defaults, enabling banks to unjustly claim assets and property they never rightfully earned.

The use of your office to enforce these contracts aligns with the conditions of racketeering activity defined under RICO, particularly when:

• The debts being collected are unlawful,
• The enforcement of these debts involves a pattern of coercive actions, and
• These actions contribute to the broader goals of a fraudulent enterprise.

I urge you to consider your constitutional oath and the ethical implications of your role in this process. By enforcing these orders, you risk becoming an unwilling participant in a larger pattern of racketeering activity that exploits the citizens you are sworn to protect.

I reiterate my requests:

1. Refuse to enforce any order based on foreclosure or replevin stemming from unlawful banking contracts.
2. Notify me promptly of any future orders or actions concerning my property.
3. Reflect deeply on your responsibilities to the citizens of Elbert County and your oath of office.

Additionally, please be advised that I intend to send the details of this case, including your response and actions, to the Department of Justice, the Colorado Attorney General, and both local and national news agencies. The public and relevant authorities deserve to know how these orders are being handled and whether justice is being served.

As Frederic Bastiat aptly noted, when the law participates in plunder, it undermines its own legitimacy and the moral foundation of society. This is one of those moments when standing for justice and integrity requires courage. I ask you to stand against these practices and protect the rights and property of those who depend on you for fair and impartial enforcement of the law.

Thank you for your time and for considering this matter with the seriousness it demands.

Warm regards,
[Your Name]

Notice to lender of RICO Violation

Complaint Against Alliant Credit Union for Unlawful Debt Collection Practices and RICO Violations

Complainant Information

• Name: [Your Full Name]
• Address: [Your Address]
• Phone Number: [Your Phone Number]
• Email Address: [Your Email Address]

Complaint Details

• Entity Complained About: Alliant Credit Union
• Complaint Type: Unlawful Debt Collection Practices
• Nature of Complaint: Fraudulent Debt Contract and Violation of the Racketeer Influenced and Corrupt Organizations (RICO) Act

Summary of Allegations

I am filing this complaint against Alliant Credit Union for engaging in unlawful debt collection practices that violate federal law, including the RICO statute. Alliant Credit Union knowingly participated in a scheme involving fraudulent debt instruments, resulting in the seizure and auction of my home. These actions constitute a deliberate and egregious violation of my rights as a consumer and federal statutes.

Specific Allegations

1. Fraudulent Debt Instruments
   Alliant Credit Union has sought to collect a debt based on contracts I allege are fraudulent. These contracts rely on banking practices designed to impose unpayable obligations, thereby creating a predictable cycle of default.
2. Unlawful Auction of My Home
   In November 2024, Alliant Credit Union participated in the forced auction of my home through Elbert County, Colorado. This occurred despite my documented objections and evidence submitted to the courts challenging the validity of the underlying debt.
3. Knowledge of Fraudulent Activity
   I provided Alliant Credit Union with substantial evidence contesting the debt’s legitimacy, including affidavits and detailed correspondence. Despite this, they continued their collection efforts, demonstrating willful participation in a fraudulent scheme.
4. Violation of RICO Statute
• Alliant Credit Union’s actions constitute the collection of unlawful debt under 18 U.S.C. § 1962(c).
• The institution’s persistent attempts to enforce a fraudulent contract reflect a pattern of racketeering activity, meeting the legal definition under the RICO Act.
• These actions, in coordination with other entities such as the Elbert County government, reveal a concerted effort to profit from illicit financial practices.

Why the Debt Collection is Unlawful

Alliant Credit Union’s debt collection efforts are unlawful for the following reasons:

1. Fabricated Loan and Lack of Lawful Consideration
   Alliant Credit Union has refused to provide proof of lawful consideration for the loan upon request. Without this proof, it is reasonable to conclude that the alleged loan was fabricated on their balance sheet, meaning no real funds were ever extended to me. As a result, Alliant Credit Union cannot demonstrate that they suffered any actual loss and therefore have no legal standing to pursue debt collection or seek a remedy through this process.
2. Fraudulent and Predatory Practices
   The underlying debt is predicated on usurious banking practices that guarantee default, rendering the debt fraudulent and unenforceable.
3. Disregard for Evidence and Federal Law
   Despite being provided with clear evidence of the debt’s invalidity, Alliant Credit Union persisted in its collection efforts, violating federal protections against predatory lending and unfair debt collection practices.
4. Violation of the RICO Statute
   By continuing to enforce an illegitimate obligation despite awareness of its fraudulent nature, Alliant Credit Union engaged in actions prohibited under RICO. This includes the unlawful seizure of property and collusion with other entities to profit from the fraudulent scheme.

Relevant Penalties Under RICO

Under the RICO Act, individuals or organizations found guilty of racketeering activities face severe penalties, including:

• A maximum of 20 years in prison for those involved.
• Fines up to $250,000 or double the amount of the proceeds derived from the criminal activity.
• Enhanced sentences in cases of severe or ongoing violations.

These penalties underscore the gravity of Alliant Credit Union’s actions and highlight the urgent need for enforcement.

Documentation of Evidence

I can provide the following evidence upon request:

1. Correspondence with Alliant Credit Union disputing the debt.
2. Court-filed affidavits challenging the debt’s validity.
3. Records of Alliant Credit Union’s involvement in the auction of my home.
4. Documentation submitted to the Consumer Financial Protection Bureau and other agencies regarding this matter.

Relief Requested

I request the following actions from the CFPB:

1. An immediate investigation into Alliant Credit Union’s debt collection practices, with particular focus on potential violations of federal law, including the RICO statute.
2. Suspension of all further collection efforts by Alliant Credit Union relating to this debt until the investigation concludes.
3. Full restitution for the damages caused by the unlawful seizure and auction of my home.

Urgency of the Complaint

The harm caused by Alliant Credit Union’s continued participation in this scheme is severe, culminating in the loss of my home. This matter requires immediate attention to prevent further violations of my rights and to hold the institution accountable under the law.

Thank you for your prompt attention to this serious matter. I am available to provide additional information or evidence upon request and can be reached at [Your Phone Number] or [Your Email Address].

Sincerely,
[Your Full Name]

Request for Investigation to DOJ and FBI via US Trustee

Mr. Gregory Gavin,

I am writing to formally request that the United States Trustee, Federal Bureau of Investigation (FBI) and the Department of Justice open an investigation into potential violations of the Racketeer Influenced and Corrupt Organizations (RICO) Act by several financial institutions, including Porsche Financial Services, Alliant Credit Union, American Express, and Harley-Davidson Financial Services dba Eagle Savings Bank.

The allegations I am raising stem from unlawful debt collection practices that I believe constitute racketeering activity under the RICO statute. These institutions have been involved in a scheme to collect debts that are not legally owed, and their actions have violated both federal and state laws in the process.

Why the Debts Are Unlawful

The debts in question are unlawful for the following reasons:

1. Lack of Lawful Consideration: Alliant Credit Union, a mortgage company, for instance has failed to provide proof of lawful consideration for the debt they claim is owed. Despite my repeated requests, they have refused to provide the necessary documentation that would substantiate that funds existed on their balance sheets prior to the loan contract or that a loan was actually extended. Without lawful consideration, there can be no legitimate debt, as the financial transaction is inherently fraudulent. Therefore, any attempt to collect on such a fabricated debt constitutes an unlawful collection practice.
2. Fraudulent Loans and Falsification of Records: The loan obligations asserted by these institutions, specifically Alliant Credit Union and Porsche Financial Services, are based on transactions that appear to have been fabricated on their balance sheets. For example, Porsche Financial Services was awarded a replevin order in September 2024 (Case Number: 2024CV30056) despite the absence of any legally enforceable debt. Similarly, Alliant Credit Union's refusal to provide proof of loan documents leads me to believe that these loans were never properly underwritten or authorized. This amounts to fraud, as the debts being pursued by these institutions do not reflect legitimate financial obligations.
3. Failure to Prove Loss: The financial institutions involved have been unable to demonstrate any legitimate loss on their part, which is a requirement to pursue debt collection. Given the lack of documentation proving that these loans were both valid and issued in good faith, these institutions have no legal standing to seek repayment through replevin, repossession, or auction. They are attempting to collect on debt obligations that cannot be substantiated, and their actions are therefore unlawful.
4. Violation of Consumer Protection Laws: The fraudulent debt collection practices employed by these institutions violate both federal and state consumer protection laws. The institutions have failed to adhere to proper procedures under the Fair Debt Collection Practices Act (FDCPA) by attempting to collect debts that cannot be verified as legally owed. Additionally, their actions violate the provisions of the Truth in Lending Act (TILA), as they have failed to provide adequate proof of loan agreements and related terms. This constitutes both illegal collection activity and a fraudulent misrepresentation of their financial dealings.

Violation of the RICO Act

The coordinated actions of these institutions, spanning multiple states and involving a pattern of fraudulent practices, constitute a clear violation of the Racketeer Influenced and Corrupt Organizations (RICO) Act. Under 18 U.S.C. § 1962(c), it is unlawful for anyone associated with or employed by an enterprise involved in interstate commerce to conduct its affairs through a pattern of racketeering activity. In this case, the fraudulent collection of unlawful debts constitutes racketeering activity under RICO, which specifically includes fraud and the use of deceitful practices to affect interstate commerce. The repetitive and deliberate nature of these actions by multiple financial institutions involved in this pattern of behavior meets the legal definition of "racketeering activity" and satisfies the "pattern" required for a RICO violation.

Further Actions Taken

I have also filed formal complaints with the Colorado Attorney General’s office, the Consumer Financial Protection Bureau, and other relevant authorities. Additionally, I have made this matter public through social media channels, including my 26,000+ followers on TikTok, to encourage others who may have been victimized in similar ways to file their own complaints.

Given the severity of these violations, I respectfully request that the FBI initiate an investigation into the actions of these financial institutions and the ongoing unlawful debt collection practices under the RICO statute. I am prepared to provide additional documentation and correspondence, including affidavits, court filings, and records related to my communications with the institutions involved.

Thank you for your attention to this serious matter. I look forward to your response and to any further steps we can take to bring justice to those impacted by these unlawful actions.

Sincerely,

Zachary Moore