Tag Archives: america
Doomed UN Climate Summit in Durban Ridiculed as “Science” Crumbles – The New American
December 8th, 2011. Published under Political Scams. No Comments.
CTV.ca Doomed UN Climate Summit in Durban Ridiculed as “Science” Crumbles The New American Inhofe said the so-called “ cap-and-trade ” regime would have been the biggest tax increase in US history, so its final defeat is good news for regular people. “This victory is especially important today, as families in America and around the world … Kent: Canada will not renew commitment to Kyoto deal CTV.ca all 3,744 news articles
How the EPA is Ruining American Industry – Family Security Matters
October 17th, 2011. Published under Political Scams. No Comments.
Family Security Matters How the EPA is Ruining American Industry Family Security Matters First, though cap-and-trade is indeed dead, the Obama administration's EPA has been as successful in curtailing America's ability to use cheap, plentiful coal as if cap-and-trade had been passed. They've done so by promulgating a devilish mix of … and more
Finding Common Economic Ground
September 29th, 2011. Published under Economic News. No Comments.
It seems like America is becoming a more polarized place than ever. You can’t turn on the news without seeing a group of people protesting the President for being too liberal or a group of people protesting because he is not funding the proper social programs. No matter which way you look at it, the
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Finding Common Economic Ground
95% of unemployed are lazy bums or stupid
September 10th, 2011. Published under Unemployment. No Comments.
HERE WE SEE WHAT AN UNEMPLOYED SO CALLED AMERICAN IS LIKE!! 95% of the unemployed in this country are either lazy or too stupid to get a job. The Other 5% are either unemployed due to government regulation and taxes on corporations or because they live in a liberal state like California or Michigan! Anyone who wants a job should move to Texas, Oklahoma, Kansas, Arizona or Arkansas and be thankful they get 3$ an hour for cleaning toilets or flipping burgers instead of nothing at all. No one should get 400$ or more a week for doing no work. It is unamerican and ungodly. Those who refuse to work must never be allowed to eat. These jobs should be done by Americans not by wetbacks and illegal alien forigner shits who steal jobs and lower land values. Anyone not willing to work even if it means menial jobs should be deported to mexico. Lazy pricks
I got a New Job…- I will still fight for the Unemployed..
August 31st, 2011. Published under Unemployment. No Comments.
Please don’t give up America’s Unemployed. Things will get better. www.math6034.webs.com. http
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I got a New Job…- I will still fight for the Unemployed..
John Boehner walks out of White House debt-ceiling talks. What now? – Christian Science Monitor
July 23rd, 2011. Published under Political Scams. No Comments.
CTV.ca John Boehner walks out of White House debt-ceiling talks. What now? Christian Science Monitor On an extraordinary night of political theater, President Obama railed on House Republicans for walking away from a debt-ceiling deal, only to see House Speaker John Boehner offer a rebuttal. Congress now seems eager to ignore the White House and do … Obama calls crisis debt talks as default looms AFP Obama-Boehner debt talks collapse NECN Hopes fade as debt talks break down Los Angeles Times Voice of America
Fight for unemployed americans! by djgrooveline
July 12th, 2011. Published under Unemployment. No Comments.
Hasn’t the way things are done in America become a complete joke? www.youtube.com
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Fight for unemployed americans! by djgrooveline
Parents Shouldn’t Trust Beck To Educate Their Kids – Media Matters for America
June 30th, 2011. Published under Political Scams. No Comments.
Parents Shouldn't Trust Beck To Educate Their Kids Media Matters for America While discussing the cap and trade proposal in 2009, Beck joked that his exhaling CO2 may be harming the planet, according to the EPA, and suggested they might start regulating his breathing to “50 times a day.” However, scientists have pointed to the … and more
Why Newt? – American Thinker
June 18th, 2011. Published under Political Scams. No Comments.
Why Newt? American Thinker Newt believes that if America doesn't make the case for Green Conservatism, our environmental and energy future will inevitably fall prey to left-wing environmentalism, such as Cap and Trade , which requires oversized government with command-and-control … and more
Jon Huntsman Shocks Right By Refusing To Deny Climate Change Is Real – TPMDC
May 17th, 2011. Published under Political Scams. No Comments.
TPMDC Jon Huntsman Shocks Right By Refusing To Deny Climate Change Is Real TPMDC Never mind that Huntsman also backs off his past support for cap-and-trade in the interview, or that he basically says that while climate change is a problem, it's not one that America should deal with until after the economy recovers (both standard … and more
Bud Hibbs Wants Your Junk Debt Buyer Affidavits from Debt Collection Lawsuits
April 23rd, 2011. Published under Business Scams, Scams. No Comments.
Bud Hibbs is attempting to collect affidavits to show that junk debt buyers engage in signing documents where they claim to have firsthand knowledge of the accounts and that these affidavits are routinely
Maker of Rascal Scooters to Pay $100,000 for Violating Do Not Call Law
April 21st, 2011. Published under Fraud, Scams. No Comments.
Called Consumers on Registry Using Phone Numbers Gathered From Sweepstakes Entry Forms The manufacturer of Rascal Scooters, used by disabled and senior consumers with limited mobility, will pay $100,000 to settle Federal Trade Commission charges that it illegally called millions of consumers who had chosen to avoid unwanted telemarketing calls by listing their phone numbers on the national Do Not Call Registry. The FTC alleges the firm illegally used phone numbers gathered from sweepstakes entry forms to contact consumers whose numbers are on the Registry. The FTC’s complaint charges scooter manufacturer Electric Mobility Corporation and its owner Michael Flowers with making more than three million illegal sales calls since 2003 to consumers on the Do Not Call Registry who had entered the company’s “Win a Free Rascal” sweepstakes. According to the FTC, in small print under the part of the sweepstakes form provided for the entrant’s phone number, EMC reminded consumers to list their numbers so the company could contact them if they were “the next lucky winner.” EMC encourages consumers to enter its sweepstakes through direct mailing, newspapers, and television advertisements. The FTC charged that its conduct violated both the FTC Act and the Do Not Call provisions of the Telemarketing Sales Rule. The FTC’s Telemarketing Sales Rule allows a company to call a consumer on the Do Not Call Registry for up to 18 months if it has an “established business relationship” with the consumer and he or she has not asked the firm to stop calling. However, under the Rule, a company may not rely on a completed sweepstakes entry form to establish a business relationship with a consumer. In fact, the FTC consistently has said that simply obtaining a consumer’s phone number – as EMC did with its sweepstakes – does not establish a relationship that would exempt it from the Do Not Call rules. The order settling the FTC’s charges bars EMC from using sweepstakes entries as the basis for claiming an established business relationship with any consumer. The order also includes monitoring and reporting requirements to ensure that EMC complies with its terms. In addition, the order imposes civil penalties against both EMC and Flowers for their alleged violation of the FTC Act. Flowers will pay $100,000, and EMC is subject to a $2 million penalty, which is suspended based on its inability to pay. If EMC is found to have misrepresented its financial condition, the full penalty will become due immediately. Source: FTC United States of America, Plaintiff, v. Electric Mobility Corporation, doing business as Rascal Scooters, and Michael J. Flowers, individually and as an officer of Electric Mobility Corporation, Defendants (United States District Court for the District of New Jersey) Case No. 1:11-cv-02218-RMB-KMW
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Maker of Rascal Scooters to Pay $100,000 for Violating Do Not Call Law
Regulators Seeks to Halt 10 Operators of Fake News Sites from Making Deceptive Claims About Acai Berry Weight Loss Products
April 19th, 2011. Published under Business Scams, Fraud, Scams. No Comments.
The Federal Trade Commission is requesting federal courts to temporarily halt the allegedly deceptive tactics of 10 operations using fake news websites to market acai berry weight-loss products.
America is Unemployed
April 11th, 2011. Published under Unemployment. No Comments.
In Todays news, There is No end in sight to US economic crisis. as evidence shows post-recession unemployment is at its worst since World War 2. As unemployment in the US nears the dreaded 10 per cent mark, 1it is a chart tos chill the bones of any job hunter. Comparing previous recoveries from all 10 American recessions since 1948 to the current financial crisis,. The stark figures show almost no improvement in employment figures in the past year. Some commentators have described the comparison as The scariest job chart ever. pointing to the fact that only the 2001 recession took longer to bring employment back to pre-crisis levels. America went morally bankrupt decades ago, and this is just a sign of that. It will get much worse. A quote from Socrates says it best. Tolerance and apathy are the last virtues of a dying society. When up is down, left is right, good is evil, normal is abnormal . what do you expect to happen? Land of the free, and home of the brave. My, Ass!
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America is Unemployed
It may take 27 years to undo the damage Beck caused in 27 months – Media Matters for America (blog)
April 8th, 2011. Published under Political Scams. No Comments.
It may take 27 years to undo the damage Beck caused in 27 months Media Matters for America (blog) … Beck aficionados called the Delaware 9-12 Patriots played a key role in ending the Senate ambitions and political career of moderate Republican Mike Castle, largely because Castle had voted for the anti-global warming plan known as ” cap and trade . … and more
Remembering the Day America Was Ignored – Big Government
March 23rd, 2011. Published under Political Scams. No Comments.
Remembering the Day America Was Ignored Big Government Liberal Democrats have another scheme to launch on the American people this one is called “ Cap and Trade ” – essentially this nightmare would allow the federal government to tax a citizen when they drive, breath, or turn on the light switch. … and more
How to explain the popularity of Pringles? – Salon
March 23rd, 2011. Published under Political Scams. No Comments.
How to explain the popularity of Pringles? Salon I once mused that America's most ubiquitous cultural export was a tossup between the milk crate and the baseball cap . Pringles, I think, are nudging their way to the top. If you're prone to traveling abroad and have any respectable powers of …
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How to explain the popularity of Pringles? – Salon
Review: The Great Inflation and Its Aftermath: The Past and Future of American Affluence
February 26th, 2011. Published under Economic News. No Comments.
The Lowest Price we could find is $17.00
Ron Arnold: Big Green’s congressional junkets take America for a ride – Washington Examiner
February 17th, 2011. Published under Political Scams. No Comments.
Ron Arnold: Big Green's congressional junkets take America for a ride Washington Examiner All handled some aspect of ” cap-and-trade /climate legislation,” according to their travel authorization forms. The Packard Foundation ($4.6 billion assets) and the Moore Foundation ($4.5 billion assets) – both ferociously anti-industry Big Green donors …
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Ron Arnold: Big Green’s congressional junkets take America for a ride – Washington Examiner
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Fox’s Oil Man Eric Bolling: Short On Science, Long On Climate Misinformation – Media Matters for America
February 8th, 2011. Published under Political Scams. No Comments.
Fox's Oil Man Eric Bolling: Short On Science, Long On Climate Misinformation Media Matters for America George Allen argue against the oil drilling moratorium and the ” cap-and-trade scheme” for eight long minutes, failing to disclose that Allen's organization … and more
Rush Limbaugh: I’m Kind Of A Big Deal – Media Matters for America
February 3rd, 2011. Published under Political Scams, Tea Party. No Comments.
Rush Limbaugh: I'm Kind Of A Big Deal Media Matters for America We probably would have cap-and-trade by now. Maybe not on cap-and-trade because the Climategate thing. And you never know. I mean, the Tea Party people and … and more
Fox Helps Right-Wing Radio Shill Re-Invent Self As Global Warming Expert – Media Matters for America
January 28th, 2011. Published under Political Scams. No Comments.
Fox Helps Right-Wing Radio Shill Re-Invent Self As Global Warming Expert Media Matters for America SUSSMAN: This is a shakedown operation being conducted by political activists with Ph.Ds who at the end of the day want to see cap and trade imposed upon … and more
Germany’s Renewable Energy ‘Madness’ and its Lessons for America – Family Security Matters
January 21st, 2011. Published under Political Scams. No Comments.
Family Security Matters Germany's Renewable Energy 'Madness' and its Lessons for America Family Security Matters While cap & trade legislation appears doomed at the federal level for now, it is alive and well in California, which seems all too anxious to catch up with … and more
Stick it to Sue Happy Debt Collectors Book Now Available in ePub, PDF, Kindle and Print
January 8th, 2011. Published under Fraud, Scams. No Comments.
Stick it to Sue Happy Debt Collectors has save many a consumer from the clutches of abusive debt collectors and shady debt collection law firms is now available in ePub, PDF, Kindle format as well as paperback. Since being published last year, readers have given the book high ratings and reviews. Whether you owe a debt or not, this book will give you the tools that you need to get these lawyers off your back.
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Questionable Debt Collectors and Consumer Scams in the News
January 6th, 2011. Published under Fraud, Scams. No Comments.
I’ve been slacking a bit with publishing bad debt collector news and headlines. The holiday’s were busy as usual for me. With that Said I bring you the first ‘questionable’ debt collector in the news for the year. Also included in this article are news-worthy scams that consumers are falling for. Education of consumers is needed so that fewer fall for cons and scams, as well a fending
My Personal Battle With Google Books
December 22nd, 2010. Published under Scams. No Comments.
When Google first announced that indie publishers (such as our company) could include books for sale in Google Books I was quite excited. After getting one into the Google Book system, I ended up with quite a few misgivings of the system. It is not such much the idea of having my books in Google Books as it was the way Google presents them and the fact that many options I was not aware of were hard to find or change. I have several titles published and they can be found in many online booksellers and in ‘brick and mortar’ bookstores. Initially I thought that Google Books would be a great marketing tool for my titles. In a way it is, with that said though there is a lot wrong with Google Books in my opinion. I do not mind having a preview of a portion of my books, however Google Books, even when set to the lowest level (20%), exposed too much of the content of my books. I would have to say that Amazon does a much better job of print book previews. On Amazon, they only show portions of the beginning of the book and not portions throughout the book. My books are of the “how-to’” genre of books and much of the previews that Google displayed as previews were the “meat” of my books. Thus allowing browsers to see things that might encourage them not to buy the books because the information was in the previews. Which of course would mean less book royalties for my company and me. I suppose if my books were of fiction or non-fiction novel genres it would matter as much. Another item that disturbed me was several options in Google Books that I discovered by digging around such as allow libraries to display the entire contents of the books. While I do not mind people reading a portion of my book before buying I just cannot, financially speaking, afford to have the entire contents available. I finally was able to obtain the Google Books URL to have books removed (you must log in to Google Services to do so). My first attempt at using the removal form resulting in a boilerplate response that no more than 20 percent of my book was viewable, despite the fact that I asked the book to be removed in its entirety. My second attempt of requesting the book to be removed (I ended up saying the author (myself of course) requested the book to be removed) was successful. My experience with Google Books was at the very least frustrating and for the most part quite aggravating. If you are considering adding your book titles to Google Books, you may want to explore all of the options before doing so. A warning though, many options you may not like or want will not show up until the book is live and previewable in the Google Books catalog.
Consumers Must Fight Back – 94 Percent of Debt Lawsuits Become Default Judgments
December 8th, 2010. Published under Business Scams, Scams. No Comments.
For whatever reason, upwards of ninety-four percent (94%) credit card / debt lawsuits are not responded to by consumers. Most often the reasons are that consumers/debtors cannot afford an attorney, or are afraid of the legal system or possibly not aware that a suit was filed against them for a debt. Consumer need to understand that if a civil debt lawsuit is filed and they do not respond, the plaintiff may obtain a default judgment against them. Once a default judgment is obtained, the plaintiff may opt to garnished wages, bank accounts, or possibly file liens on property to satisfy the judgment. Default judgments are extremely difficult for a consumer to fight after the fact. In the case of being afraid of court, there is nothing to fear. Civil lawsuits are mostly paperwork filed by both sides and rarely does the matter end up with all parties being in front of a judge. Even then half the battle of beating debt lawsuits (default judgments) is showing up or responding to the lawsuit. Consumers that cannot afford an attorney can many times beat debt collection lawsuits, especially third party (junk debt or Debt Buyer) lawsuits. Debt collection companies and collection attorneys have been exploiting the legal system for years and the exploitation is becoming more and more common. They know that in nearly nine out of ten cases the consumer won’t respond. Default judgments are “easy” money for them. And in a large number (upwards of 96%) of junk debt lawsuits filed the collection company cannot even prove a debt is owed. Consumers must fight back or risk further financial hardships. Consumers should not be afraid of the legal system. Until such time that the majority of consumers to do fight debt lawsuits in some manner then the collection industry will continue to exploit the tax payer funded legal system. According to attorney Sergei Lemberg, and the Wall Street Journal: Encore Capital Group, parent of Midland Funding, filed 245,000 lawsuits last year, and that approximately 94% of lawsuits result in default judgments. Debt buyers purchased $100 billion worth of debt last year, and often turn to the courts first… ~ Sergei Lemberg Once Encore sues, it is virtually assured a win, says Mr. Black, the company’s CEO. Roughly 94% of collection cases filed against borrowers result in default judgments in favor of the debt buyer, according to industry estimates. The majority of borrowers don’t have a lawyer, some don’t know they are even being sued, and others don’t appear in court, say judges. A growing number of cases brought by debt buyers are plagued by sloppy, incomplete or even false documentation of debts, according to the 20 judges around the country interviewed by the Journal. ~ Wall Street Journal Consumers must be educated on how to deal with debt lawsuits. While many think that courtrooms and judges are scary, in truth it isn’t much worse than sitting down at the bank with a loan officer. Responding to debt lawsuits are mostly paperwork and the consumers personal time to respond. If you are having financial difficulties or are being sued by collection companies, it is time to take a stand and fight back. After all what do you have to lose but forcing collection companies to prove the debt and avoid a default judgment.
"Progressive Hunter" – Media Matters for America
October 11th, 2010. Published under Political Scams. No Comments.
Media Matters for America “Progressive Hunter” Media Matters for America It's Beck's complex theory of how cap-and-trade is actually a money-making scam perpetrated by progressive organizations collaborating with investment firms … and more
I had no problem staying on top of all the action
September 25th, 2010. Published under Tea Party. No Comments.
I had no problem staying on top of all the action In the world of American sports, football is the undeniable king. More people in America follow the NFL than any other major sport, and that number ha
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I had no problem staying on top of all the action
Church on Sunday —Murder on Tuesday
September 24th, 2010. Published under Tea Party. No Comments.
—We the People—
Shining a Light on Company’s Deceptive Claims for its LED Bulbs
September 8th, 2010. Published under Fraud. No Comments.
The Federal Trade Commission has sued a California-based light bulb manufacturer and its principals to stop them from misleading consumers by exaggerating the light output and life expectancy of its Light Emitting Diode (LED) bulbs. As part of the FTC’s continuing work to stop deceptive advertising, the agency filed a complaint charging that since 2008, Lights of America, Inc. has overstated the light output and life expectancy of its LED bulbs on packages and in brochures. The agency also charges that Lights of America misled consumers about how the brightness of its LED bulbs compares to traditional incandescent lights. Manufacturers have recently begun selling LED bulbs for household use because they are a higher-efficiency, longer-lasting alternative to incandescent and compact fluorescent bulbs. Although the initial price tag may be higher, well-designed and manufactured LED bulbs save on energy costs and last much longer than other types of light bulbs. The FTC alleges that in many instances, Lights of America’s LED bulbs produced significantly less light, as measured in lumens, than the company claimed in its promotional materials. For example, one bulb was promoted as producing 90 lumens of light output, but Lights of America’s own tests showed it produced only 43 lumens. Also, in many cases, Lights of America deceptively compared the brightness of its LED light bulbs with incandescent bulbs, the FTC alleges. For example, the firm claimed that one of its LED lantern bulbs could replace a 40-watt incandescent bulb. However, while the typical 40-watt incandescent bulb produces about 400 lumens, the Lights of America LED bulb produced only 74 lumens. Moreover, the FTC complaint states that in many instances, Lights of America’s LED bulbs would not last as long as the company’s promotional materials said they would. In one case, for example, the firm said that one of its LED recessed bulbs would last 30,000 hours. Independent tests, however, showed that the bulb would not last as long as claimed because it lost 80 percent of its light output after only 1,000 hours. In filing the complaint, the FTC is seeking a permanent injunction to stop the defendants’ allegedly illegal conduct, as well as monetary redress for consumers who bought the deceptively labeled products. The Commission vote authorizing the filing of the complaint was 5-0. It was filed in the U.S. District Court for the Central District of California on September 7, 2010 against Lights of America, Inc.; Usman Vakil; and Farooq Vakil. NOTE: The Commission authorizes the filing of a complaint when it has “reason to believe” that the law has or is being violated, and it appears to the Commission that a proceeding is in the public interest. A complaint is not a finding or ruling that the defendants have actually violated the law. Copies of the Commission’s complaint can be found as a link to this press release on the FTC’s Web site. The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 1,800 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s Web site provides free information on a variety of consumer topics .
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Shining a Light on Company’s Deceptive Claims for its LED Bulbs
‘Climategate’ author: ‘This is the show Al Gore doesn’t want America to see’ – WND.com
August 27th, 2010. Published under Political Scams. No Comments.
'Climategate' author: 'This is the show Al Gore doesn't want America to see' WND.com He also reveals the billions of dollars Al Gore and others stand to make off of the “so-called green revolution and cap-and-trade schemes. …
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‘Climategate’ author: ‘This is the show Al Gore doesn’t want America to see’ – WND.com
Is America Surrendering to China’s Trade War? – Big Government (blog)
July 26th, 2010. Published under Political Scams. No Comments.
Is America Surrendering to China's Trade War? Big Government (blog) Liberal Democrats have another scheme to launch on the American people this one is called “ Cap and Trade ” – essentially this nightmare would allow the …
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Is America Surrendering to China’s Trade War? – Big Government (blog)
ACORN-Led ‘Think Tank’ Works In Concert With NY Times To Attack Energy Companies – Big Government (blog)
July 22nd, 2010. Published under Political Scams, Tea Party. No Comments.
ACORN-Led 'Think Tank' Works In Concert With NY Times To Attack Energy Companies Big Government (blog) What a scam ! I believe by looking at the American awakening happening in America today with the Tea party, we are well on our way. … and more
Is there a phony right-wing attack WaPo’s Ombudsman won’t promote? – Media Matters for America (blog)
July 19th, 2010. Published under Political Scams, Tea Party. No Comments.
Is there a phony right-wing attack WaPo's Ombudsman won't promote? Media Matters for America (blog) Dellinger is apparently a regular righty letter to the editor writer,defending the Tea Party and opposing cap and trade legislation. … and more
Iran: Missing Scientist Takes Refuge in Pakistan Embassy in US – Voice of America
July 13th, 2010. Published under Political Scams. No Comments.
Iran: Missing Scientist Takes Refuge in Pakistan Embassy in US Voice of America When you start looking at that electric bill in about 12 months or so, either from CAP and TRADE , or from a drilling moratorium in the Gulf, or both maybe, … and more
Beck U: Check his credentials before you enroll – Media Matters for America
July 7th, 2010. Published under Political Scams. No Comments.
Beck U: Check his credentials before you enroll Media Matters for America Beck falsely claimed that there has been “zero warming for over a decade” and that climate change is a ” scam ” and has been “totally discredited. … and more
To Save America – American Spectator
June 30th, 2010. Published under Political Scams. No Comments.
To Save America American Spectator Exactly these policies have been embodied in the stimulus, the health care takeover, cap and trade , the sweeping Obama tax increases next year, …
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To Save America – American Spectator
BP yanks containment cap after problem, oil flows unimpeded into the Gulf – Raw Story
June 23rd, 2010. Published under Political Scams. No Comments.
BP yanks containment cap after problem, oil flows unimpeded into the Gulf Raw Story All he wants is to push his cap and trade . bend over, yet again, America, here it comes! An American idiot is more like it. Keep up the meaningless blather. … and more
Parsing Obama’s Green Central Planning – Big Government (blog)
June 22nd, 2010. Published under Political Scams. No Comments.
Parsing Obama's Green Central Planning Big Government (blog) I like the way Marco Rubio puts it: ” Cap and trade legislation will do nothing but make America one of the cleanest third world economies”. …
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Parsing Obama’s Green Central Planning – Big Government (blog)
Pampered chihuahua inherits millions
June 20th, 2010. Published under Tea Party. No Comments.
A chihuahua buy aion kinah is at the center of a fight over Posner heiress’ will. Her name is Conchita, a thin, spa-loving, diamond-draped heiress, and she’s at the center of one of America’s nasties
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Pampered chihuahua inherits millions
More Than A Dozen Marketers Banned from Selling Mortgage Relief Services; Repeat Offender Ordered to Pay $11.4 Million for Contempt
June 18th, 2010. Published under Business Scams, Fraud, Scams. No Comments.
As part of the agency’s continuing crackdown on scams that prey on financially distressed homeowners, the Federal Trade Commission announced legal actions against more than a dozen marketers accused of pitching bogus mortgage modification or foreclosure relief services. FTC settlement orders ban 16 marketers from the mortgage modification or foreclosure relief business. The promoter of a similar scam has been ordered to pay $11.4 million for flouting a previous court order. And, in a new action, the FTC has charged another online marketing operation with masquerading as a government mortgage assistance program. The FTC settled with the following defendants, all of whom charged consumers up-front fees and made false promises that they could get their loans modified or prevent foreclosure: Making Home Affordable. The FTC alleged that the defendants impersonated MakingHomeAffordable.gov, a federal government Web site that helps eligible homeowners refinance or modify their mortgages. Defendants Sean Cantkier, Michael Haller, Alan LeStourgeon, Greg Rivera, Lisa Roye, and Jeffrey Altmire bought advertising links on the results pages of Internet search engines, and consumers looking for “making home affordable” were diverted to commercial Web sites that pitched loan modification services or sold consumers’ personal information to marketers of such services. (7/10/2009 release http://www.ftc.gov/opa/2009/07/homeafford.shtm ) The defendants will have to give up their ill-gotten gains, ranging from $1,523 to $29,179. Separately, the Commission authorized and the court approved the addition of two counts to the complaint against Scot Lady and dismissed Kean Lee Lim as a defendant. The documents were filed in the U.S. District Court for the District of Columbia. Federal Loan Modification Law Center. Defendants Nabile (“Bill”) Anz, Federal Loan Modification Law Center LLP, Anz & Associates PLC, Venture Legal Support PLC, and Jeffrey Broughton settled FTC charges that they hawked their so-called “Federal Loan Modification program” in a national advertising campaign targeting financially distressed homeowners. They charged up to $3,000, much of which they required up-front, but Federal Loan Modification often failed to live up to the promised results, according to the FTC’s complaint. (06/26/2009 release http://www.ftc.gov/opa/2009/06/fedloanmod.shtm ) In addition to the ban on selling mortgage relief services, the settlement order against Anz, Federal Loan Modification Law Center, Anz & Associates, and Venture Legal Support imposes a $10.8 million judgment, and the order against Broughton imposes a $11.1 million judgment. The judgments are suspended based on their inability to pay. The full judgments will become due immediately if they are found to have misrepresented their financial condition or receive any money from the remaining defendants. The order was filed in the U.S. District Court for the Central District of California. The FTC continues to pursue its case against five other defendants. Apply2Save. Derek R. Oberholtzer, Apply2Save Inc., and Sleeping Giant Media Works, Inc. allegedly charged consumers up to $995 in advance for promised mortgage loan modification services. Once they were paid, they often failed to answer or return consumers’ telephone calls and sometimes falsely blamed delays on lenders, even though they had made little or no effort to contact lenders, the FTC charged. Most consumers who got loan modifications or avoided foreclosure did so only through their own efforts. (7/15/2009 release http://www.ftc.gov/opa/2009/07/loanlies.shtm ) The defendants have filed for bankruptcy. The order imposes a judgment of more than $4 million, which is suspended based on their inability to pay. The full judgment will become due immediately if they are found to have misrepresented their financial condition. The order was filed in the U.S. District Court for the District of Idaho. New Hope Modifications. Brian Mammoccio and Donna Fisher have settled charges that they falsely claimed they could obtain mortgage loan modifications for consumers in all or virtually all cases, falsely promised a money-back guarantee, and masqueraded as part of the federally-endorsed HOPE NOW Alliance mortgage assistance network. According to the FTC complaint, in many cases, after consumers paid up-front fees, the defendants failed to return their phone calls, or falsely told them that negotiations were proceeding smoothly. In many instances, consumers learned from their lenders that the defendants had not contacted them. (3/24/2009 release http://www.ftc.gov/opa/2009/03/newhope.shtm ) In addition to the ban on selling mortgage relief services, the settlement order imposes a judgment of almost $3.9 million, which will be suspended when the defendants surrender their assets as specified in the order. The full judgment will become due immediately if they are found to have misrepresented their financial condition. The order was filed in the U.S. District Court for the District of New Jersey. The $11.4 million contempt order against Bryan D’Antonio and three companies he controls, The Rodis Law Group Inc., America’s Law Group Inc., and The Financial Group Inc., came at the request of the FTC, which charged that operators of the scam had falsely claimed they would stop foreclosures and negotiate lower mortgage interest rates, monthly payments, and principal balances. Promoters of the scam claimed a 100 percent success rate and wrongly advised consumers to pay them instead of making mortgage payments. The FTC alleged that homeowners got few, if any, loan modifications, and many people lost their homes to foreclosure after paying them up to $5,500. The operators also falsely claimed that attorneys would check consumers’ loan documents for fraud and other lending violations that they would use as leverage in negotiating loan modifications, according to the complaint. In May 2009, the FTC charged the defendants with violating a 2001 order that banned D’Antonio from telemarketing and misleading consumers about goods or services. The FTC obtained the 2001 order against D’Antonio and his former company, Data Medical Capital Inc., for operating a work-at-home medical billing opportunity scheme. D’Antonio also pleaded guilty to mail fraud for his involvement in that scam and served almost three years in prison. In addition to the financial sanctions against D’Antonio and the three companies, the court barred him from making misleading statements about refunds, exchanges, and total costs or quantity. The FTC has collected more than $1 million from the defendants’ available assets thus far, and will refer the remainder of the $11.4 million judgment to the Department of the Treasury for collection. The FTC has set up a consumer information line at 1-888-398-8205. Fedmortgageloans.com . The FTC has charged Dominant Leads LLC, MAD TJ Holdings LLC, James Rambadt, Thomas Hayes, and James Kane with misrepresenting that the mortgage assistance and debt relief programs they are marketing are affiliated with the federal or state government, and that consumers may be eligible for a federal or state loan modification or debt relief program. Some of the defendants’ Web sites use logos similar to the federal government’s MakingHomeAffordable.gov logo, and many of their sites feature official government agency seals or logos and links to federal government Web sites. When consumers seeking mortgage assistance or debt relief services call the toll-free numbers on the defendants’ Web sites, they are connected to other companies that sell supposed mortgage assistance relief or debt relief services for a fee. The FTC seeks to stop the defendants’ illegal practices and make them forfeit their ill-gotten gains. The complaint was filed in the U.S. District Court for the District of Columbia on June 16, 2010. The Commission votes were unanimous in these actions. The Federal Trade Commission is a member of the interagency Financial Fraud Enforcement Task Force. For more information on the task force, go to www.stopfraud.gov . NOTE: The Commission authorizes the filing of a complaint when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendants have actually violated the law. Stipulated court orders are for settlement purposes only and do not necessarily constitute an admission by the defendants of a law violation. Stipulated orders have the full force of law when signed by the judge. The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 1,800 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s Web site provides free information on a variety of consumer topics .
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More Than A Dozen Marketers Banned from Selling Mortgage Relief Services; Repeat Offender Ordered to Pay $11.4 Million for Contempt
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Bank of America / Countrywide Will Pay $108 Million for Overcharging Struggling Homeowners; Loan Servicer Inflated Fees and Mishandled Loans
June 7th, 2010. Published under Business Scams, Fraud. No Comments.
Two Countrywide mortgage servicing companies will pay $108 million to settle Federal Trade Commission charges that they collected excessive fees from cash-strapped borrowers who were struggling to keep their homes. The $108 million represents one of the largest judgments imposed in an FTC case, and the largest mortgage servicing case. It will be used to reimburse overcharged homeowners whose loans were serviced by Countrywide before it was acquired by Bank of America in July 2008. “Life is hard enough for homeowners who are having trouble paying their mortgage. To have a major loan servicer like Countrywide piling on illegal and excessive fees is indefensible,” said FTC Chairman Jon Leibowitz. “We’re very pleased that homeowners will be reimbursed as a result of our settlement.” According to the complaint filed by the FTC, Countrywide’s loan-servicing operation deceived homeowners who were behind on their mortgage payments into paying inflated fees – fees that could add up to hundreds or even thousands of dollars. Many of the homeowners had taken out loans originated or funded by Countrywide’s lending arm, including subprime or “nontraditional” mortgages such as payment option adjustable rate mortgages, interest-only mortgages, and loans made with little or no income or asset documentation, the complaint states. Mortgage servicers are responsible for the day-to-day management of homeowners’ mortgage loans, including collecting and crediting monthly loan payments. Homeowners cannot choose their mortgage servicer. In March 2008, before being acquired by Bank of America, Countrywide was ranked as the top mortgage servicer in the United States, with a balance of more than $1.4 trillion in its servicing portfolio. When homeowners fell behind on their payments and were in default on their loans, Countrywide ordered property inspections, lawn mowing, and other services meant to protect the lender’s interest in the property, according to the FTC complaint. But rather than simply hire third-party vendors to perform the services, Countrywide created subsidiaries to hire the vendors. The subsidiaries marked up the price of the services charged by the vendors – often by 100% or more – and Countrywide then charged the homeowners the marked-up fees. The complaint alleges that the company’s strategy was to increase profits from default-related service fees in bad economic times. As a result, even as the mortgage market collapsed and more homeowners fell into delinquency, Countrywide earned substantial profits by funneling default-related services through subsidiaries that it created solely to generate revenue. According to the FTC, under most mortgage contracts, homeowners must pay for necessary default-related services, but mortgage servicers may not mark up the cost to make a profit or charge homeowners for services that are not reasonable or appropriate to protect the mortgage holder’s interest in the property. Homeowners do not have any choice in who performs default-related services or the cost of those services, and they have no option to shop for those services. In addition, in servicing loans for borrowers trying to save their homes in Chapter 13 bankruptcy proceedings, the complaint charges that Countrywide made false or unsupported claims to borrowers about amounts owed or the status of their loans. Countrywide also failed to tell borrowers in bankruptcy when new fees and escrow charges were being added to their loan accounts. The FTC alleges that after the bankruptcy case closed and borrowers no longer had bankruptcy court protection, Countrywide unfairly tried to collect those amounts, including in some cases via foreclosure. Settlement Terms The FTC’s complaint and settlement order name two mortgage servicers as defendants: Countrywide Home Loans, Inc. and BAC Home Loans Servicing LP, formerly doing business as Countrywide Home Loans Servicing LP. The settlement requires Countrywide to pay $108 million, which will be refunded to homeowners who Countrywide overcharged before July 2008. In addition, the settlement order prohibits Countrywide from taking advantage of borrowers who have fallen behind on their payments. The defendants continue to service millions of mortgage loans, including tens of thousands of loans involving borrowers in bankruptcy and foreclosure. In the servicing of loans, the defendants are permanently barred from: Making false or unsubstantiated representations about loan accounts, such as amounts owed. Charging any fee for a service unless it is authorized by the loan instruments, by law, or by the consumer for a specific service requested by the consumer. Charging any fee for a default-related service unless it is a reasonable fee charged by a third party for work actually performed. If the service is provided by an affiliate of a defendant, the fee must be within limits set by state law, investor guidelines, and market rates. Defendants must obtain annual, independent market reviews of their affiliates’ fees to ensure that they are not excessive. In addition, Countrywide must advise consumers if it intends to use affiliates for default-related services and, if so, provide a fee schedule of the amounts charged by the affiliates. The settlement also requires Countrywide to make significant changes to its bankruptcy servicing practices. For example, Countrywide must send borrowers in Chapter 13 bankruptcy a monthly notice with information about what amounts the borrower owes – including any fees assessed during the prior month. The defendants also must implement a data integrity program to ensure the accuracy and completeness of the data they use to service loans in Chapter 13 bankruptcy. This case was brought with the invaluable assistance of the United States Trustee Program, the component of the Department of Justice that oversees the administration of bankruptcy cases and private trustees. This action represents the FTC’s continuing work to help consumers who have been hurt by the economic downturn. For more information about the case and the FTC’s refund program, see www.ftc.gov/countrywide . The Commission vote to authorize staff to file the complaint and settlement was 5-0. The complaint and settlement were filed in the U.S. District Court for the Central District of California. The Federal Trade Commission is a member of the interagency Financial Fraud Enforcement Task Force. For more information on the Task Force, visit www.stopfraud.gov . NOTE: The Commission files a complaint when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendants have actually violated the law. Stipulated court orders are for settlement purposes only and do not necessarily constitute an admission by the defendants of a law violation. Stipulated orders have the full force of law when signed by the judge. The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 1,800 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s Web site provides free information on a variety of consumer topics .
Governments/AntiChrist
May 26th, 2010. Published under Tea Party. No Comments.
Well, the separation of God and State has definitely developed into what many Christians have been waiting for for thousands of years. The AntiChrist. Yet, though none of America’s churches woul
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Debunking Glenn Beck’s cap and trade conspiracy theory – Media Matters for America (blog)
May 3rd, 2010. Published under Political Scams, Scams. No Comments.
Debunking Glenn Beck's cap and trade conspiracy theory Media Matters for America (blog) The fundamental claim of Beck's conspiracy is that carbon trading is a ” scam ,” and cap and trade is the method the scamsters have come up with to sell their …
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Debunking Glenn Beck’s cap and trade conspiracy theory – Media Matters for America (blog)
‘Glenn Beck’: Real Story Behind Cap-and-Trade – FOXNews
April 30th, 2010. Published under Political Scams. No Comments.
The Business Insider 'Glenn Beck': Real Story Behind Cap-and-Trade FOXNews Well, the government stands to make a fortune if cap-and-trade legislation is passed. So maybe this is why. Maybe this is why nobody cares how much money … BREAKDOWN: Beck's cap and trade conspiracy theory Media Matters for America (blog) all 25 news articles
BREAKDOWN: Beck’s cap and trade conspiracy theory – Media Matters for America (blog)
April 29th, 2010. Published under Political Scams. No Comments.
BREAKDOWN: Beck's cap and trade conspiracy theory Media Matters for America (blog) Cap and trade is really just a ” scam ” and “redistribution of wealth.” In order to perpetrate this scam , the Joyce Foundation, an environmental organization … and more
Beck falsely claims there’s been "zero warming for over a decade" – Media Matters for America
April 23rd, 2010. Published under Political Scams. No Comments.
Beck falsely claims there's been “zero warming for over a decade” Media Matters for America First, cap-and-trade . Cap-and-trade is the biggest socialist scam , totally discredited climate change industry and zero warming for over a decade. … and more
Helping Hands of Hope Telemarketers Barred from Falsely Telling Consumers That Proceeds from the Sale of Household Goods Will Benefit Charities or the Disabled
April 9th, 2010. Published under Business Scams, Fraud, Scams. No Comments.
Complaint Brought as Part of 2008′s “Operation Tele-Phoney” Law Enforcement Sweep An Arizona-based telemarketing operation that identified itself as “Helping Hands of Hope” has settled charges that it conned consumers into buying household items such as light bulbs and trash bags that were priced substantially higher than at retail, by falsely promising the proceeds would benefit charities or the disabled. The defendants will be permanently barred from such fraudulent conduct and from calling consumers who have asked not to be called. According to the FTC’s complaint, filed in May 2008 as part of the “Operation Tele-Phoney” multi-agency law enforcement sweep against telemarketing fraud, the Helping Hands of Hope defendants used telemarketing to target consumers nationwide, including many who were elderly. In addition to making false promises, Helping Hands’ telemarketers harassed consumers who resisted buying products, sent consumers products they never ordered, and then claimed that they had, in fact, ordered them, the complaint alleged. Finally, the FTC charged that Helping Hands’ telemarketers violated the National Do Not Call Registry rules by calling consumers even after they had asked not to be called again. The court order settles the FTC’s charges against Helping Hands of Hope, Inc.; U.S. Blind Services, Inc.; Employment Opportunities of America, Inc.; Third Strike Employment, Inc.; and Robyn Mayhan. It prohibits the defendants from misrepresenting, or assisting anyone else in misrepresenting, that: a consumer’s purchase will benefit handicapped or disabled people; anyone working for the companies is handicapped or disabled; any of the companies’ products are made or packaged by the handicapped or disabled; or that any company operates a charitable organization. The order also bars the defendants from mailing or billing consumer for any merchandise they did not order. Further, Helping Hands and the other defendants are prohibited from violating the FTC’s Telemarketing Sales Rule, including calling any number that is on the National Do Not Call Registry, calling consumers who have asked not to be called again, and failing to pay the annual fee required to access the Registry. Finally, the order imposes a judgment of $26.3 million against all of the defendants. The corporate defendants will turn over assets worth more than $60,000 in partial satisfaction of the judgment. The judgment against Mayhan, the companies’ president, has been suspended based on her inability to pay. She will have to pay the full amount if she is later found to have misrepresented her financial condition. The Commission vote authorizing the staff to file agreed-upon final order in consent of the court action was 4-0. It was filed in the U.S. District Court for the District of Arizona, on April 1, 2010, and entered by the Court on April 6, 2010. NOTE: This stipulated final order is for settlement purposes only and does not constitute an admission by the defendant of a law violation. A stipulated final order requires approval by the court and has the force of law when signed by the judge. Copies of the stipulated final order are available from the FTC’s Web site at http://www.ftc.gov and from the FTC’s Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, click: http://www.ftc.gov/ftc/complaint.shtm or call 1-877-382-4357. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to more than 1,800 civil and criminal law enforcement agencies in the U.S. and abroad. For free information on a variety of consumer topics, click http://ftc.gov/bcp/consumer.shtm .
Demons of Dissent
April 6th, 2010. Published under Tea Party. No Comments.
Demons of dissent -As in the vernacular of modern day degeneration Obomination, those evil spewers of xenophobic vitriol on talk radio whose goal it is to see the ultimate political demise of America’
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Demons of Dissent