Exactly what does the IRS agent think?

[lorne]

Fractional lending and reserve banking depend entirely on insurance. FDIC is the primary insurance but all endorsed bills are insured against the national debt for security. Therefore redemption restores one to that Mandatory Exception from the false balances of elastic currency.

But there is more. A FrivPen is Waiver of Tort...

I get it. The IRS presumes everyone is endorsing private credit (of the Federal Reserve). This is their default position ... assuming your income is federal income; you are contracting. Therefore when their computer database shows you with unreported income (ie. W2, 1099) or unpaid tax as an unjust benefit, instead of suing in court (tort) they elect to treat the facts as establishing an implied contract - all the rules & regs of Title 26. Therefore their system issues the Frivolous Penalty, per contract.

But, I am redeemed. Non-contracting. So in my case the IRS is in error.

It occurs to me that your five suitors could also go after the Garnishees bank accounts by Trustee Process. But that would require judgement by judge in favor of the suitor. And that seems unlikely given the invalid oaths and that judges almost always favor the banks. I suppose the odds are slightly better with the clerks - if you can get them to do their job.