Tag Archives: country
U.S. House District 5 Republican candidates – Tampabay.com
August 9th, 2010. Published under Political Scams. No Comments.
U.S. House District 5 Republican candidates Tampabay.com I do not support cap and trade . What changes would you embrace regarding the country's energy policy? Cap and trade is a scam and is unconstitutional. …
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U.S. House District 5 Republican candidates – Tampabay.com
TERRY CAMPBELL: More questions about politicians – San Angelo Standard Times
August 2nd, 2010. Published under Political Scams. No Comments.
TERRY CAMPBELL: More questions about politicians San Angelo Standard Times … even considering cap-and-trade ? This political scam will finish bankrupting our country and is based on nonscientific environmentalist nonsense without …
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TERRY CAMPBELL: More questions about politicians – San Angelo Standard Times
Federal Trade Commission Proposals to Reform the Debt Collection Industry
July 14th, 2010. Published under Business Scams, Scams. No Comments.
The Federal Trade Commission has made recommendations to fix the badly broken debt collection industry, especially debt litigation and arbitration. One of the biggest problems is that debt collection attorneys file complaints against consumers and upwards of 90 percent of the time have no physical proof that a debt is owed or that they are suing the proper person(s). These sorts of questionable debt collection lawsuits are exactly why the book “ Stick it To Sue Happy Debt Collectors ” was written. The book levels the playing field and gives consumers a very high chance of beating erroneous and highly questionable lawsuits in court. The book is written in an easy to understand manner and simplified steps on fighting debt collectors and their attorneys.
Who’s side are you on?
July 13th, 2010. Published under Tea Party. No Comments.
Can you all sense the evil that brewing within our country? Words are being said on both sides of the line that shall be used as a reason to go to war within. Race riots will be coming to a neighbor
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Who’s side are you on?
Motivational Coaching for the Unemployed in Columbia, SC – Andy Thomas
July 11th, 2010. Published under Unemployment. No Comments.
Unemployment is the nation’s biggest concern right now. Across the country, millions of people are discouraged because they are out of work or doing jobs they never imagined themselves having to do just to make ends meet. Andy’s personal life experiences have motivated him to reach out to people who need leadership, confidence-building and help identifying a career focus. Andy Thomas and his free live seminar, The Job I Need, Needs Me, provides you a marketing strategy for job seeking that works well in this economy. andythomasproductions.com
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Motivational Coaching for the Unemployed in Columbia, SC – Andy Thomas
What About the Country, Mr. President? – Big Government (blog)
July 6th, 2010. Published under Political Scams. No Comments.
What About the Country, Mr. President? Big Government (blog) And for good measure, politicizing the Gulf spill instead of solving the problem so as to push the Cap and Trade scam . At times like this we need more than … and more
Unemployed Need Not Apply
July 5th, 2010. Published under Unemployment. No Comments.
Imagine it for a second that you are sitting at home frantically searching the Internet for job listings as your unemployment is running out, and your pantry is growing more and more bare. Finally you find a listing that seems like something you qualify for, only to see these words at the bottom of the listing….”Unemployed candidates will not be considered”. It seems crazy, that during a recession with millions unemployed that none of them would be considered for a job, but apparently its happening all over the country. Alyona talks to Norm Elrod, the author of the blog Jobless And Less.
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Unemployed Need Not Apply
Lower GDP Growth Rate in US
June 30th, 2010. Published under Economic News. No Comments.
The US economy has shown a sluggish rate of growth his year. This can be attributed to many factors. One of them is the rise of imports by this country. The reduced spending by the US citizens can also be held accountable for such a slow growth rate of this economy. According to the commerce
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Lower GDP Growth Rate in US
Future Prospects of the Indian Economy
May 22nd, 2010. Published under Economic News. No Comments.
The Indian economy is growing at a fast pace. It is officially the world’s second fastest growing economy. The Indian economy is likely to change a lot in the developing country. Since the beginning of the economic reform in India in early 1990s, the country has gone through a lot of drastic changes. There have been
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Future Prospects of the Indian Economy
A helping hand if needed/God bless
May 4th, 2010. Published under Tea Party. No Comments.
To all who may read this. Can’t you see the writing on the wall. All the destruction that is now and will continue within this country, through all types of catastrophes, the federal governement and
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A helping hand if needed/God bless
Words
April 27th, 2010. Published under Tea Party. No Comments.
St. John 1; 1. In the beginning was the Word, and the Word was with God. Words are now destroying this country. Words that describe all the different ideaologies that have accumulated within this co
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Words
Friday is Economic Groundhog Day
April 3rd, 2010. Published under Economic News. No Comments.
As the country sleeps in, thanks to the Good Friday holiday (for people related to the financial markets that is), the most important economic data since the beginning of time (as the media would have you believe) or at least since Claudius Nero Caesar announced the State of the Republic, will be released. At exactly 8:30
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Friday is Economic Groundhog Day
Amish Lesson or have we forgotten?
March 28th, 2010. Published under Tea Party. No Comments.
With all the evil doings that’s going on in this country on all levels and within all classes of individuals from the poor to the elite, haven’t after all these years/decades of calling ourselves a na
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Amish Lesson or have we forgotten?
Food for thought; Good and Evil
March 27th, 2010. Published under Tea Party. No Comments.
I’d like to quote a short statement from a book I’m reading that makes a lot of sense and ties a lot of what’s happening today in this country. This pertains to good and evil; What I want to say is s
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Food for thought; Good and Evil
Poll: Health-care reform more popular after passage than before – Washington Post (blog)
March 23rd, 2010. Published under Political Scams. No Comments.
Poll: Health-care reform more popular after passage than before Washington Post (blog) … and all over the media about how they had saved the country from socialism – and how they will do the same for finance reform and cap and trade . … and more
The Good News About Utah Businesses and the SBA
March 20th, 2010. Published under Economic News. No Comments.
When was the last time you heard some “Good News” about the financial situation this country is in? Well, recently during National Small Business Week, we did have some good news about being in business in Utah. I’m sure you are aware by now that the SBA requirements surrounding financing of Small Businesses has come under
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The Good News About Utah Businesses and the SBA
EU clamps down on carbon market fraud – EurActiv
March 18th, 2010. Published under Fraud, Political Scams. No Comments.
EU clamps down on carbon market fraud EurActiv Traders used a method known as 'carousel fraud ', whereby carbon credits were bought in one country without having to pay VAT, and sold in another country …
How to Cope in the Tough Economic Times
February 25th, 2010. Published under Economic News. No Comments.
Everybody knows by now of course that the economy has not been doing very well in recent years. All over the country the middle class have to cut back on things that are not necessary in order to save money in these uncertain times. Filing bankruptcy and foreclosure has been a massive issue in recent
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How to Cope in the Tough Economic Times
EU approves revised ETS rules to combat cyber crime – EurActiv
February 18th, 2010. Published under Fraud, Political Scams. No Comments.
EU approves revised ETS rules to combat cyber crime EurActiv Last summer, wide-spread VAT crime was unveiled, whereby fraudsters bought carbon credits in one country without VAT, then sold them in another country with …
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EU approves revised ETS rules to combat cyber crime – EurActiv
Terrorists Civil Trials will reveal the hyporisy behind our laws that
February 12th, 2010. Published under Tea Party. No Comments.
I want to thank this administration we have in charge of our country to show the illigitmate hypocrisy of our own laws. All this talk about giving war criminals the rights of an open trial in public
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Terrorists Civil Trials will reveal the hyporisy behind our laws that
New Zealand Basks in the Success of Avatar
January 29th, 2010. Published under Economic News. No Comments.
Avatar, the most expensive and the largest grossing movie ever made, has given a big boost to the New Zealand (NZ) film industry and the economy as a whole. The 3D mega visual has delivered USD $218mn to the NZ economy while it was made in the country as against the politically criticized grant of
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New Zealand Basks in the Success of Avatar
Have We Hit the Bottom?
January 18th, 2010. Published under Economic News. No Comments.
I was speaking last week with a long-time friend who is a senior executive with one of the major banks in the country. He told me that the new strategy for his bank (and the other big ones are on the same track) is to create loans that amortize over a 25-year period instead of
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Have We Hit the Bottom?
First thoughts: Disaster in Haiti – msnbc.com
January 13th, 2010. Published under Political Scams. No Comments.
First thoughts: Disaster in Haiti msnbc.com Whether it's HCR, cap and trade , the apology tour, or just the sheer magnitude of government deficit spending, folks all across the country are just saying … and more
Lost Job To Foriegn Trade… What is TAA?
January 6th, 2010. Published under Unemployment. No Comments.
We all hear that jobs are being lost to cheaper labor in countries outside of the USA. We rarely hear about follow-up stories about the actual workers that lost their jobs. Monica Calderon of Southern California was a mid-level senior management professional working in an apparel company. Her company was sold and her division was moved to another country. Because of this, she is eligible to a special unemployment benefits program called The Trade Adjustment Assistance Program. The TAA …
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Lost Job To Foriegn Trade… What is TAA?
Warcraft, who cares?
January 4th, 2010. Published under Tea Party. No Comments.
Looks like we’re going to get some interruption on this blog from those who truly care about WarGames and such. As if this country has more to worry about than WarGames for kids to play. It seems as
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Warcraft, who cares?
Upon this bloated government – the pandemic scam
January 2nd, 2010. Published under Tea Party. No Comments.
How many times can a government official cry wolf and have people react as if he was telling the truth?The answer to that question is still being played out in Our great Country as the un-representati
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Upon this bloated government – the pandemic scam
The Curbstoning Auto Scam
January 1st, 2010. Published under Fraud, Scams. No Comments.
Curbstoning refers to auto dealers who try to bypass the law by selling their vehicles on the street, by pretending to be private sellers. In this auto scam dishonest car dealers use curbstoning as a means of circumventing their state laws which govern the sale of cars. Most states have limits in place with regards to how many vehicles a person may buy and sell in a particular time frame before being required to be a licensed car dealer. The big disadvantage of being licensed, to these people, is that licensed car dealers have to meet certain requirements in order to stay in business. Curbstoners, because they appear to be private sellers, do not have any such restrictions to work within. Inferior Cars Often, a curbstoning car dealer will utilise this scam in order to offload the type of vehicle they would struggle to sell through their dealership. Whatever part of the country you live, or wherever in the world for that fact, you have probably seen this scam in operation on a street corner near you. There will be several cars for sale in the same place, often parked along the curb, hence the name ‘curbstoners’. Typically, these cars will be ones with problems, that are hard for the dealers to sell through their official businesses. Additionally, cars bought at the roadside may have had their clocks rolled back ( odometer fraud ). ‘Internetstoning’ Popular internet sites, such as eBay, have proven to be popular with curbstoners. This is because they often afford the seller a great deal of anonymity, making it difficult for disgruntled purchasers, and government agencies alike, to track them down. Internet adverts for lemon autos allows the scammer to utilise a few different techniques in order to increase their chances of selling their vehicles. Poor resolution photographs are often used as they can hide a multitude of sins, from dents to rust, and many others besides. Another often used tactic in online sales is affinity fraud. Avoiding Curbstoning Scams Whilst there are laws in place that prohibit curbstoning, they are rarely enforced or prosecuted. Likewise, eBay cannot keep up with the problem either – if detected, a scammer will just close an account and start again with a new id. Therefore, vigilance is the key if you wish to avoid buying a car that – may have had it’s odometer rolled back could be stolen has previously been written off or damaged has someone else’s credit outstanding on it has been designated as being for export only If you really must buy a car off the street, or via an online auction then take care. Verify the seller’s identity, get any guarantees or representations in writing and, if possible arrange a viewing (with a mechanic) in advance. The Curbstoning Auto Scam is a post from: Scam Types dot Com Check out The Best Internet Security Programs Of 2009
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The Curbstoning Auto Scam
Americans Hunkering Down For a Chilly Economy
December 27th, 2009. Published under Economic News. No Comments.
According to recent polls, more Americans would rather see the government work on the economy then work on the environment. The economy remains at the forefront of Americans’ minds and tops the list of concerns. Despite the empirical evidence that the economy is on the mend, people across the country still feel the effects of
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Americans Hunkering Down For a Chilly Economy
Copenhagen talks to resume as boycott called off – CTV.ca
December 14th, 2009. Published under Political Scams. No Comments.
CTV.ca Copenhagen talks to resume as boycott called off CTV.ca Prentice wants a cap and trade system… but what do Canadians want? Something that affects every single man woman and child in the country should be put to … and more
Readers are closely split on climate change issue – Rochester Business Journal
December 11th, 2009. Published under Political Scams. No Comments.
Reuters Readers are closely split on climate change issue Rochester Business Journal But the damage that will be done to this country economically if CAP and Trade is enacted can be measured. It may turn the US back into a third world … Climate storm rages in Denmark Times LIVE Adrian macnair: Let the Copenhagen wealth transfer begin National Post all 7,409 news articles
Obama’s New Stimulus Package is Worth Almost $900 Billion Dollars – What’s it Worth For You?
December 11th, 2009. Published under Economic News. No Comments.
The Federal Government has created a new stimulus package worth almost $900 billion dollars in hopes of getting the country on its feet again. Obama’s defense to allowing such a large amount for his plan comes to the fact that the country will be losing a whole lot more if something is not done and
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Obama’s New Stimulus Package is Worth Almost $900 Billion Dollars – What’s it Worth For You?
Rush: Obama "has a huge problem with this country and has for his entire life" – Media Matters for America
November 24th, 2009. Published under Political Scams. No Comments.
Rush: Obama “has a huge problem with this country and has for his entire life” Media Matters for America Nothing is real in the cap-and-trade legislation. Nothing is real about the stimulus package. Nothing is real about the TARP bailout. …
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Rush: Obama "has a huge problem with this country and has for his entire life" – Media Matters for America
A line is being drawn in the Sand.
November 24th, 2009. Published under Tea Party. No Comments.
Well, the line is being drawn in the sand and those who love truth and honesty over the political correctness that is destroying this country are of all beliefs, faiths and parties. It’s as God inten
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A line is being drawn in the Sand.
1 Million Jobs to Disappear
November 19th, 2009. Published under Unemployment. No Comments.
60 years. Only a handful of sectors have added jobs: education, health care and government. The people on the front lines of the job search know firsthand just how bad it really is. In New York City, where 6.6 percent of the workforce is unemployed, nearly 4000 people lined up for a job fair this week. “I work on it every day,” job seeker Juliet Giamartino said. “My husband works on it every day. You got to put in to get out.” Economists have predicted that the country, stuck in a …
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1 Million Jobs to Disappear
One Mans Opinion of the sadness of Fort Hood
November 6th, 2009. Published under Tea Party. No Comments.
As our country mourns over the tradgedy that touched all Americans, we must look back at WWII, and wonder how wise were the leaders of this nation when they interned Japaneese into camps? Though many
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One Mans Opinion of the sadness of Fort Hood
The surpression of Truth from a liberal political front
October 14th, 2009. Published under Tea Party. No Comments.
Well, it looks like Rush Limbaugh’s money is worth nothing to those who love their money and politics over this country. How ironic, this political affront to anyone who doesn’t think as they do. Ye
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The surpression of Truth from a liberal political front
The tattoo challenge. Details.
October 14th, 2009. Published under Unemployment. No Comments.
A tattoo isn’t going to solve your problems, it will be an additional challenge. Don’t be surprised when it adds to the reasons people view you with suspicion. It isn’t enough to keep you unemployed, but it won’t help. Still, I want you to get one, to take on this burden for freaks everywhere, because the less respectable are now a minority it is ok to discriminate against, and this country need not be a nation of bigots. … tattoo work unemployment job search additional challenge …
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The tattoo challenge. Details.
Plight of the Garment Workers in Bangladesh
October 4th, 2009. Published under Economic News. No Comments.
Exploitations of industrial workers are not new in our country, it is been happening for decades. Guided by the lust of more profitability the owners of the industries exploit their workers by giving less wages, deny overtime payments, deprive them of bonuses and even no payment of salaries, Finding no other alternative to realize their
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Plight of the Garment Workers in Bangladesh
Minorities
September 26th, 2009. Published under Tea Party. No Comments.
I listen everyday to some minority complaining.GET a clue people!!We are ALL minorities.There is not a man or woman that is not part of atleast one..This country is Made up of them..We are White, Blac
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Minorities
Enough
September 22nd, 2009. Published under Tea Party. No Comments.
Ok people ENOUGH!!This is America..Not Mexico, Russia, Iraq, Iran or any other country..You came here, we didn’t ask you to come..You came here to escape your country for whatever reason..Fine.. Great
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Enough
FTC Announces New Enforcement Actions In Continuing Crackdown On Mortgage Relief Services Scams
September 17th, 2009. Published under Fraud, Scams. No Comments.
The Federal Trade Commission today announced two new law enforcement actions in a continuing crackdown on mortgage foreclosure rescue and loan modification scams, bringing to 22 the number of these cases the Commission has filed since the housing crisis began. The FTC also announced developments in similar pending mortgage-related actions. “Today’s challenging economy presents an opportunity for con artists who prey upon financially distressed consumers. The Federal Trade Commission and our state and federal partners will continue to bring law enforcement actions to stop this insidious fraud,” FTC Chairman Jon Leibowitz said. “If you’re worried about keeping your home, avoid any company that asks for a large fee in advance, guarantees that they’ll stop a foreclosure or modify a loan, or tells you to stop paying your mortgage company and to pay them instead.” The FTC’s announcement accompanied a meeting of federal and state officials including Chairman Leibowitz, Treasury Secretary Timothy Geithner, Attorney General Eric Holder, Department of Housing and Urban Development Secretary Shaun Donovan, and the state attorneys general from eleven states (Arkansas, Connecticut, Illinois, Iowa, Maryland, Missouri, Nevada, North Carolina, Ohio, Rhode Island and Washington). These federal and state officials met in Washington, D.C., to discuss emerging trends and ongoing efforts against fraud in the mortgage marketplace. In addition to law enforcement, the FTC discussed its ongoing rulemaking proceeding involving mortgage modification services and continuing efforts to educate consumers about avoiding mortgage-related scams. In today’s two new announced FTC actions, the defendants allegedly falsely claimed that they would obtain a mortgage modification in virtually all cases. According to the FTC’s complaints, after charging homeowners large up-front fees, the defendants often did little or nothing to help them renegotiate their mortgages or stop foreclosure. The FTC seeks to stop the defendants’ deceptive claims and make them forfeit their ill-gotten gains. Nations Housing Modification Center and its principals allegedly violated the FTC Act and the FTC’s Telemarketing Sales Rule by misrepresenting themselves as a federal government agency or affiliate and falsely claiming that, in return for a $3,000 fee – half due up-front and half due two weeks later – they would obtain mortgage modifications that would make consumers’ loan payments substantially more affordable in virtually every instance. According to the FTC, the defendants also falsely claimed a 90 percent success rate, that only selected customers meeting certain qualifications were offered a loan, and that they had attorneys and forensic accountants on staff. In fact, the FTC alleges that very few homeowners got modifications, the defendants accepted advance fees for services from all applicants, and they had neither lawyers nor accountants on staff. According to the FTC’s complaint, the defendants solicited consumers by mail designed to look as if it came from a federal government agency, deceptively stating, “a bill has been passed by Congress” that “allows the Nations Housing Modification Center to provide relief for homeowners that are delinquent on their mortgage through the Nations Home Affordable Modification Program.” The defendants also allegedly made misleading statements on their Web site and with consumers who called their toll-free number. The complaint alleges that consumers were misled because the defendants’ promotion is very similar to the real government “Making Home Affordable” program that provides free mortgage loan assistance. The defendants are Federal Housing Modification Department, Inc., doing business as Nations Housing Modification Center and Loan Modification Reform Association, and Michael A. Trap, Glenn S. Rosofsky, and Bryan P. Rosenberg. The Commission vote to file the complaint was 4-0. The complaint was filed in the U.S. District Court for the District of Columbia on September 16, 2009. The FTC appreciates the assistance of the Office of the Special Inspector General for the Troubled Asset Relief Program, the office of Jim Freis, Director of the Financial Crimes Enforcement Network of the U.S. Department of the Treasury, and the office of Bonnie M. Dumanis, District Attorney, County of San Diego, California, in this matter. Infinity Group Services and its president are charged with violating the FTC Act by falsely representing that they would obtain a loan modification in all, or virtually all, instances; that they would give full refunds if they failed to do so; and that they would obtain loan refinancing for an up-front fee of $995. According to the FTC’s complaint, the defendants’ radio ads and Web site urged consumers to call a toll-free number. Once consumers called, the defendants’ sales personnel promised that, in return for the up-front fee, the company would help them modify their mortgage loans through the Department of Housing and Urban Development’s Hope for Homeowners program. The defendants claimed a high success rate and offered a full refund if they failed. The FTC alleges that the company often failed to obtain loan modifications and either failed to answer or return consumers’ telephone calls or update them about their status. When consumers were able to contact the defendants, they were falsely told that negotiations were proceeding smoothly or that lenders had caused a delay. In many instances, consumers received refunds only after repeatedly complaining to the FTC, the California Attorney General’s Office, or the Better Business Bureau. The FTC’s complaint further alleged that the defendants also offered mortgage loan refinancing for a “flat fee” of $995 but then sought additional fees ranging from $2,000 to $15,000. In other instances, consumers were led to believe that they had closed on their loans but were later told by the defendants that the loan would not be funded. According to the complaint, the defendants’ Web site stated that there were no hidden costs, but a fine-print footnote stated, “Rates, Fees and Terms are subject to change.” The defendants are Infinity Group Services, also doing business as IGS, Hope to Homeowners, ASK IGS, and ASK IGS, Inc., and the company’s president, Kahram Zamani. The Commission vote to authorize staff to file the complaint was 4-0. The complaint was filed in the U.S. District Court for the Central District of California, Southern Division, on August 26, 2009. The FTC also announced developments in four previously filed foreclosure rescue cases: The FTC has obtained a stipulated federal court order barring Lucas Law Center and its principals from misrepresenting their services and charging up-front fees. The defendants allegedly used an attorney to circumvent California prohibitions against receiving a fee before providing any services. In addition to falsely representing that they would obtain mortgage loan modifications, the defendants allegedly told some homeowners to stop paying their mortgage in order to pay the defendants’ fees of up to $3,995. The order announced today bars the defendants’ allegedly deceptive practices, pending a trial, and requires them to disable Web sites offering their services and to note the FTC’s lawsuit and the order on the Web sites. The order also requires domain name registrars to prevent any changes to the defendants’ Internet domain name registrations. The order names a permanent receiver over the corporate defendants, extends an earlier asset freeze, and bars the defendants from filing for bankruptcy without the court’s permission. The FTC ultimately seeks consumer restitution and a permanent bar on the defendants’ deceptive practices. The defendants are LUCASLAWCENTER “INCORPORATED,” Future Financial Services, LLC, Paul Jeffrey Lucas, Christopher Francis Betts, and Frank Sullivan. The complaint was filed in the U.S. District Court for the Central District of California, Southern Division, on July 7, 2009. (see July 15, 2009, press release http://www.ftc.gov/opa/2009/07/loanlies.shtm ) The stipulated order was entered on August 24, 2009. The FTC has obtained a preliminary injunction halting the allegedly deceptive practices of United Credit Adjusters Inc., The Loan Modification Shop, Ltd. , and their principals, and freezing their assets, pending a trial. The Commission recently filed an amended complaint in this matter, adding as defendants The Loan Modification Shop, Ltd. and Casey Lynn Cohen, also known as Casey Lynn Collins, alleging that they and one of the original defendants, Ezra Rishty, misrepresented that they would help consumers obtain a mortgage loan modification or stop foreclosure in all or virtually all instances. The FTC’s original complaint, filed in February 2009, charged seven corporate and three individual defendants with falsely promising to remove negative information from consumers’ credit reports (even information that is accurate and current), charging an up-front fee, and failing to provide written disclosures. (see March 17, 2009, press release http://www.ftc.gov/opa/2009/03/unitedcredit.shtm .) The original defendants are United Credit Adjusters, Inc., doing business as United Credit Adjustors and UCA; United Credit Adjustors, Inc., d/b/a United Credit Adjusters and UCA; United Counseling Association, Inc., d/b/a UCA; Bankruptcy Masters Corp., National Bankruptcy Services Corp., Federal Debt Solutions, Ltd., United Money Tree, Inc., and Ahron E. Henoch, Ezra Rishty, and Gerald Serino, also known as Jerry Serino. The Commission vote authorizing the staff to file the amended complaint was 4-0. The amended complaint was filed in the U.S. District Court for the District of New Jersey on August 4, 2009. The court entered a preliminary injunction as to all of the defendants on September 1, 2009. The FTC has obtained preliminary injunctions halting the allegedly deceptive practices of Loss Mitigation Services and its principals, pending a trial. Primarily through direct mail solicitation, the defendants allegedly targeted consumers whose mortgage payments have increased, who have made late payments, and whose homes were in foreclosure. They charged up to $5,500 in advance and promised that a loan modification was assured or virtually assured if consumers hired them. The defendants also misrepresented that they were a department of, or affiliated with, the consumer’s lender or mortgage servicer. In many cases, they failed to obtain loan modifications for consumers, some of whom lost their homes while waiting for the promised results. The defendants are Loss Mitigation Services, Inc., Synergy Financial Management Corporation, doing business as Direct Lender, and Dean Shafer, Bernadette Perry, and Tony Perry. The complaint was filed in the U.S. District Court for the Central District of California on July 13, 2009. (see July 15, 2009, press release http://www.ftc.gov/opa/2009/07/loanlies.shtm ) The litigated preliminary injunction as to the corporate defendants and the stipulated preliminary injunction as to the individual defendants were filed on August 19, 2009. The FTC has filed an amended complaint in its action pending against Hope Now Modifications, LLC, adding as defendants Michael Kwasnik, Esq. and The Law Firm of Kwasnik, Rodio, Kanowitz & Buckley P.C. The original complaint, filed in March 2009, alleged that the defendants misled consumers about their ability to provide mortgage loan modification and foreclosure relief or to provide refunds if they failed to do so, and misrepresented that they were affiliated with, or part of, the HOPE NOW Alliance, a non-profit organization endorsed by the U.S. Department of Housing and Urban Development. The amended complaint also alleges violations of the Telemarketing Sales Rule. The Commission vote authorizing the staff to file the amended complaint was 4-0. The complaint and amended complaint were filed in the U.S. District Court for the District of New Jersey on March 17, 2009, and September 14, 2009, respectively. (see March 24, 2009, press release http://www.ftc.gov/opa/2009/03/newhope.shtm ) The FTC asks homeowners to report foreclosure rescue and mortgage modification scams to FTC.gov or by calling 1-877-FTC-HELP. The FTC makes those complaints available to federal, state, and local law enforcement through the Consumer Sentinel Network. Homeowners in distress can get free help from the Homeowner’s HOPE Hotline 888-995-HOPE (4673), which connects homeowners to HUD-certified housing counselors. In addition to the FTC’s law enforcement efforts, the agency has initiated a rulemaking proceeding to address the proliferation of companies offering mortgage modification services to determine whether new rules could be useful to protect consumers. The FTC also launched new initiatives to educate consumers on avoiding these scams. For example, the Commission has released a video, “ Real People. Real Stories ,” featuring people targeted by foreclosure rescue scammers sharing lessons learned from their experiences. The FTC is distributing the video, and a version in Spanish, to more than 5,000 housing counseling and consumer protection organizations around the country, and posting them at FTC.gov/yourhome and YouTube.com/FTCVideos . The Commission’s mortgage-related resources are available at www.ftc.gov/moneymatters . 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. 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 1,500 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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FTC Announces New Enforcement Actions In Continuing Crackdown On Mortgage Relief Services Scams
The Shifting Work Force
September 6th, 2009. Published under Economic News, Unemployment. No Comments.
Over the course of the past few years, we’ve seen the bottom fall out of the financial markets, the country has slipped into a deep recession, and the unemployment rate has skyrocketed as companies trim back on payrolls, cut salaries, benefits, and other expenses with surgical precision.� Over the same time frame, we’ve seen the
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The Shifting Work Force
Does Macro Economics Really Effect Small and Medium Sized Businesses, Say the Size of National Debt?
September 5th, 2009. Published under Economic News. No Comments.
CHANCELLOR Alistair Darling has ramped up the national debt (to �700+bn to prevent the country slipping further sliding into a long, deep recession. In his pre-Budget report (Mon 24 Nov 08), billed as the most important in a generation, Mr. Darling gave some brief reasons and details of action in the hope to maintain employment, and
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Does Macro Economics Really Effect Small and Medium Sized Businesses, Say the Size of National Debt?
Losing Faith With President Barack Obama
September 2nd, 2009. Published under Economic News. No Comments.
No one could envy President Barack Obama’s election victory in November 2008, taking over a Country mired in a sudden economic collapse and responsibility of a deadly war in Iraq, and Afghanistan. Many people secretly admitted at the time, the road ahead for the new President, would be one of the toughest for 79 years. The
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Losing Faith With President Barack Obama
The Hotel Work Scam
March 14th, 2009. Published under Scams. No Comments.
Usually, those criminals behind the majority of email scams will blindly send out emails to everyone on their mailing list. If they ever target specific groups of people then it is obviously in their best interests to go for those they expect to have the most money. However, with the hotel work scam they generally reverse this and try to target those who are less well off, i.e. those who are desperate for work. Targeting regions such as Africa and Asia, the hotel work scam begins with an email from someone who ‘works in a hotel’ or ‘represents one’. They will tell their victim that the hotel is currently hiring staff and even conduct an online interview. One way to tell that this is a scam is from the fact that the ‘interview’ questions are so easy to understand… after all, the scammer definitely wants everyone to be offered the ‘job’! On completion of this interview the (lucky?) candidate will be referred to an immigration officer who will be able to prepare and formalise all the paperwork required to enter the country, typically Canada, in order to commence the new job. This immigration officer will require all the victim’s personal data, including name, age, date of birth and social security number. They may even attempt to phish their bank details from them too. What’s more, they will then try to extract money up front to pay for the legal expenses, visas and anything else they think they can charge for. In reality, the job never existed – this is just a scam to gain a quick buck and personal data that could be used for identity theft. Typically, the scammer is based in Nigeria or some other scamming haven and is nowhere near Canada or wherever the job has been advertised. The Hotel Work Scam is a post from: Scam Types dot Com Check out The Best Internet Security Programs Of 2009
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The Hotel Work Scam
Mr Osas Henry Wants $290.00
February 15th, 2009. Published under Scams. No Comments.
Here’s the latest scam email to hit my inbox. Strangely, this one is quite open about requiring an advanced fee before, supposedly, passing on a fortune in return – Greetings! I have been waiting for you to contact me for your Confirmable Bank Draft of $800.000.00 United States Dollars, but I did not hear from you since that time. Then I went and deposited the Draft with FEDEX COURIER SERVICE, West Africa, I travelled out of the country for a 3 Months Course and I will not come back till end of December. What you have to do now is to contact the FEDEX COURIER SERVICE as soon as possible to know when they will deliver your package to you because of the expiring date. For your information, I have paid for the delivering Charge, Insurance premium and Clearance Certificate Fee of the Cheque showing that it is not a Drug Money or meant to sponsor Terrorist attack in your Country. Contact Person:Mr Osas Henry Email Address sas.dispatchofficer.henry2@googlemail.com Telephone: 009 234 802 626 2996 The only money you will send to the FEDEX COURIER SERVICE to deliver your Draft direct to your postal Address in your country is ($290.00 US) Dollars only being Security Keeping Fee of the Courier Company so far. Again, don’t be deceived by anybody to pay any other money except $290.00US Dollars. I would have paid that but they said no because they don’t know when you will contact them and in case of demurrage. You are to make the payment to the information below by western union or money gram. Receiver Name: Mr Osas Henry Receiver Address: #10 Old Obasanjo Road Lagos, Nigeria. Once you forward the necessary details to the Representative Mrs. franka isibor ujeh and once your payment is been confirmed by them they will issued your Tracking Number. Sender’s Name:……………………. ……………… Sender’s Address:…………………. ……………….. Amount To be Sent:$290 Text Question to be used: WHO CAN HELP US? Text Answer: OUR LORD ONLY. Money Transfer Control Number (M.T.C.N). Finally, make sure that you reconfirm your Postal address() and Direct telephone number to them again to avoid any mistake on the Delivery and ask them to give you the tracking number to enable you track your package over there and know when it will get to your address. Let me repeat again, try to contact them as soon as you receive this mail to avoid any further delay and remember to pay them their Security Keeping fee of $290.00 US Dollars for their immediate action. You should also let me know through email as soon as you receive your Draft. Yours Faithfully, MRS.Elizabeth Gate The most obvious giveaway with this one is the fact that it promotes urgency yet the dates are messed up – it’s February already so we’re a bit lit with this one arn’t we! Mr Osas Henry Wants $290.00 is a post from: Scam Types dot Com Check out The Best Internet Security Programs Of 2009
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Mr Osas Henry Wants $290.00
The Next Of Kin Email Scam
October 1st, 2008. Published under Fraud, Scams. No Comments.
Linking to real news stories is a technique designed to give credence to a scammer’s claims – From: Mr. Jude Godwin (Security Company) Subject: Next of Kin To: Date: Monday, December 15, 2008, 9:00 AM From: Mr Jude Godwin African Security Company Ltd No. Plot 22 Williams Close–Victoria Island Lagos-Nigeria Dear Friend, With due respect,I wish this letter will not come to you as a surprise.I am Mr Jude Godwin, the auditing director of African Security Company Ltd, Apapa Branch here in Lagos. We had a foreign customer one Mr N.Merrigan . who deposited a huge sum of money (US$22.3)Million United States Dollars Only) with our company .Eventually,this customer was among the victims of the Swissair Flight 111 ,which crashed into the Atlantic off Nova Scotia in september 2nd 1998. The plane crash was in the news.See links below for more detail informaion: http://cnnstudentnews.cnn.com/WORLD/9809/swissair.victims.list/ http://cnnstudentnews.cnn.com/WORLD/americas/9809/08/swissair.02/ http://cnnstudentnews.cnn.com/WORLD/americas/9809/05/swissair.transcript Which claimed so many since then,we have not had anybody coming for the deceased funds/properties documents as the next of kin, and I have been monitoring this account with my position here in the Security Company for the past years. However from the information that I have gathered, the deceased died along side with the wife who is supose to produce the next of kin In view of this,I search for someone who is of the same last name or the same Nationality so when i got your contact my mind told me that you will be of good assistance in this deal. Our company guidelines indicated that if such money remained unclaimed for a period of Seven (7-8) years, it would be transferred/reverted into the company Treasury as unclaimed consignment That is why I write to solicit for your assistance to present you as the next of kin as every other arrangement has been concluded by me and I am only waiting for a response from you to enable me move the fund out to any account you present for our mutual benefit. This does not have any risk attached to it as all his secret information that will be required from you by the bank is with me right now over here. I therefore request you to confirm your interest by a return message and I will furnish you with details on how to proceed with the bank for the claim to be paid to you as the rightfull beneficiary next of kin to their late customer. Note that part of this money will be donated to charity home and other less priviledge, has i have vowed to God at the end of this transaction. I guarantee that this will be executed under a legitimate arrangement that will protect you from any breach of the law. Your interest will be negotiable before we commence the operation and upon conclusion of the transaction, I will be flying over to meet you for disbursement of the fund and make possible arrangement for a lucrative investment in your country through you. I look forward to hear from you so as to enble us forge ahead to achive this mutual benefit. Please do reply me with my personal E-mail Address mrjudegodwin@hotmail.com Kindest Regards. Mr Jude Godwin Even though the links to plane crashes may be real, it doesn’t mean that this email is in any way genuine. The Next Of Kin Email Scam is a post from: Scam Types dot Com Check out The Best Internet Security Programs Of 2009
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Never Mind The Modalities
June 16th, 2008. Published under Fraud. No Comments.
I remember that a Major Fadi Basem left me a huge amount of money last year after being killed in Iraq. Having spent it all, I was delighted to hear from Hang Seng Bank again, through this email that says I have another inheritance to collect – Good Day, Let me start by introducing myself. I am Mr. Patrick K.W. Chan (Executive Director and Chief Financial Officer) of the Hang Seng Bank Ltd. I have an obscured business suggestion for you. Before the U.S and Iraqi war our client Gen. Abbas Radhi Ismail who was with the Iraqi forces and also businessman made a numbered fixed deposit for 18 calendar months, with a value of (Twenty Four million Five Hundred Thousand United State Dollars only) in my branch. Upon maturity several notices was sent to him, even during the war which began in 2003. Again after the war has subsided, another notification was sent and still no response came from him. We later find out that the General along with his wife and only daughter had been killed during the war in a bomb blast that hit their home. After further investigation it was also discovered that Gen. Abbas Radhi Ismail did not declare any next of kin in his official papers including the paper work of his bank deposit. And he also confided in me the last time he was at my office that no one except me knew of his deposit in my bank. So, Twenty Four million Five Hundred Thousand United States Dollars is still lying in my bank and no one will ever come forward to claim it. What bothers me most is that according to the laws of my country at the expiration of 5 years the funds will revert to the ownership of the Hong Kong Government if nobody applies to claim the funds. Against this backdrop, my suggestion to you is that I will like you as a foreigner to stand as the next of kin to Gen. Abbas Radhi Ismail so that you will be able to receive his funds. MODALITIES: I want you to know that I have had everything planned out so that we shall come out successful. I have an attorney that will prepare the necessary document that will back you up as the next of kin to Gen. Abbas Radhi Ismail, all that is required from you at this stage is for you to provide me with your Full Names and Address so that the attorney can commence his job. After you have been made the next of kin, the attorney will also file in for claims on your behalf and secure the necessary approval and letter of probate in your favor for the move of the funds to an account that will be provided by you.There is no risk involved at all in this matter, as we are going adopt a legalized method and the attorney will prepare all the necessary documents. Please endeavor to observe utmost discretion in all matters concerning this issue.Once the funds have been transferred to a nominated bank account we shall then share in the ratio of 70% for me, 30% for you. Should you be interested please send me the following: 1. Full names 2. Private phone/fax 3. Current residential address And I will prefer you reach me on my private email address below and finally after that I shall provide you with more details of this operation. Your earliest response to this letter will be appreciated. Kind Regards Mr. Patrick Chan. E-mail: hchan_88@yahoo.com.hk – I only hope that the unexpected fees this time do not exceed the size of the inheritance as they did last year… Never Mind The Modalities is a post from: Scam Types dot Com Check out The Best Internet Security Programs Of 2009
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Never Mind The Modalities