Fraud | Lionheart Group Scam Prevention Toolkit

An honest green tax – Toronto Sun

April 24th, 2011. Published under Fraud, Political Scams. No Comments.

An honest green tax Toronto Sun Cap-and-trade — which Europe's had since 2005 — is a scam . It hasn't lowered emissions — it raised them — and it's riddled with corruption and multi-billion-dollar frauds. It has hit European consumers with higher energy and retail prices, …

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An honest green tax – Toronto Sun

Discussion on Harbin Electric’s Buyout Offer – GuruFocus.com

April 4th, 2011. Published under Fraud, Political Scams. No Comments.

Discussion on Harbin Electric's Buyout Offer GuruFocus.com I am long and believe me, I do not like to invest in a scam or fraud. I would like to base my analysis on facts, not on rumors, distortion, ignorance, and worst yet, liars. I may disagree with Mr. Bird on basing the investment worthiness entirely on … and more

Depressed Job Market, Fraud and Peter Schiff’s Unemployment Plan!

April 1st, 2011. Published under Fraud, Unemployment. No Comments.

Video about the depressed job market in Flint, MI, desperate people defrauding the government, Peter Schiff’s plan for unemployment insurance and joblessness in America. Read more at… demcad.blogspot.com

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Depressed Job Market, Fraud and Peter Schiff’s Unemployment Plan!

Why It’s Too Darn Hot – The Moral Liberal

March 29th, 2011. Published under Fraud, Political Scams. No Comments.

The Moral Liberal Why It's Too Darn Hot The Moral Liberal There are rumors that the Senate will attempt to take up yet another version of the Cap-and-Trade bill passed in the House during a lame duck session. Based on the bogus global warming, it is a total fraud, a scheme to sell “carbon credits” and make a … and more

Regulators Recover Additional $2.1 Million for Consumers Defrauded by AmeriDebt Scam

March 15th, 2011. Published under Business Scams, Fraud, Scams. No Comments.

On March 9, an administrator working for the Federal Trade Commission mailed 78,552 refund checks to consumers defrauded by a credit counseling/debt management scam run by Andris Pukke and his companies, AmeriDebt, Inc. and DebtWorks, Inc. The FTC alleged that the defendants deceived consumers about the fees for debt management plans and misrepresented that AmeriDebt was a non-profit, in addition to making false promises to teach consumers how to handle their credit and finances. The FTC previously returned almost $13 million to consumers in this scam. The distribution of more than $2.1 million announced today is the result of additional funds collected from the defendants, and the amount of each check will vary based upon the amount of each consumer’s loss. Consumers who receive the checks should cash them by May 9, 2011. The FTC never requires consumers to pay money or provide information before redress checks may be cashed. Consumer victims who have not previously filed a complaint with the FTC may still do so. AmeriDebt consumers with questions should call the redress administrator, Gilardi & Co., LLC , at 888-309-3816 or visit www.ftc.gov/ameridebt . Source: FTC Federal Trade Commission v. AmeriDebt, Inc., DebtWorks, Inc., Andris Pukke, and Pamela Pukke, also known as Pamela Shuster (District of Maryland) Civil Action No.: PJM 03-3317; FTC File No. X040009 RELATED STORIES Regulator Puts an End to Chikita’s Tactics of Online Advertising That Deceived Consumers American Express Bank Violating the Credit Repair Organizations Act Using a Debt Collection Letter? Regulator Steps Up Efforts Against Scams That Target Financially-Strapped Consumers Debt Collector Portfolio Recovery Associates Sending out Bogus IRS 1099-C’s to Consumers Again?

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Regulators Recover Additional $2.1 Million for Consumers Defrauded by AmeriDebt Scam

Q&A: KC Chakrabarty, deputy governor of RBI – Business Standard

March 15th, 2011. Published under Fraud, Political Scams. No Comments.

Business Standard Q&A: KC Chakrabarty, deputy governor of RBI Business Standard Some recent developments, like the loan-for-bribe scam or the fraud that happened at a branch of a foreign bank, point to lack of proper risk management practices in banks. Do you think that banks have to re-look at the risk management practices? … and more

Ghana man busted for fraud – GhanaWeb

March 1st, 2011. Published under Fraud, Political Scams. No Comments.

Ghana man busted for fraud GhanaWeb The United Parcel Service notified US Postal Service inspectors that a home on Carbon Street in Syracuse had received numerous packages addressed to various names, and had reshipped the packages to the Toronto, Canada area. … Too many shipments in too many many lead to charges against Ghana man Syracuse.com all 2 news articles

Too many shipments in too many many lead to charges against Ghana man – Syracuse.com

March 1st, 2011. Published under Fraud, Political Scams. No Comments.

Too many shipments in too many many lead to charges against Ghana man Syracuse.com Syracuse, NY — Suspicions about too many packages being sent to and from a Syracuse address, tipped off federal and Syracuse officials to a scam that lead to fraud charges against Ghana man. … and more

Theft of EU ETS allowances – Lexology (registration)

March 1st, 2011. Published under Fraud, Political Scams. No Comments.

Theft of EU ETS allowances Lexology (registration) In the past, the EU ETS has been subject to a multi-billion VAT fraud, the re-sale of used carbon credits , and a phishing scam . In March 2010, trading was briefly suspended following concerns about Hungarian registered CERs (our e-bulletin dated 20 …

Carbon trading’s credibility goes up in smoke of fraud – Financial Times

February 14th, 2011. Published under Fraud, Political Scams. No Comments.

Carbon trading's credibility goes up in smoke of fraud Financial Times In basic terms, Europe's cap-and-trade market sets an overall limit for emissions and then forces polluting companies to buy allowances to cover their … and more

Is China Media Express A Fraud? (CCME) – San Francisco Chronicle

February 7th, 2011. Published under Fraud, Political Scams. No Comments.

Is China Media Express A Fraud? (CCME) San Francisco Chronicle I do not know if AUTC is a scam . But within one day, the company's CEO issued a point by point rebuttal of the claims made in the blog posting. … and more

Debt Collector Portfolio Recovery Associates Sending out Bogus IRS 1099-C’s to Consumers Again?

February 5th, 2011. Published under Fraud, Scams. No Comments.

According to Budd Hibbs, a well-known consumer advocate, Junk debt buyer and debt collection company Portfolio Recovery Associates are sending out IRS form 1099-C’s to consumers. The problem is that Portfolio Recovery Associates (and other junk debt buyers) purchase old debts for a couple of pennies per dollar and then attempt to collect the full face value of the debt, even though they paid much less than face value. In my opinion if Portfolio Recovery is sending 1099-C’s to consumers claiming the full face value of a debt, they may be committing fraud on the consumers involved as well as committing fraud on the Internal Revenue Service. In effect they are writing off the full amount of the ‘forgiven’ debt’ and in reality only paid a small amount for the debt. Two years ago, we went to a Washington Post reporter who contacted the IRS regarding this matter. PRA must be able to produce some type of valid documents that make their claims credible, however based on their record of accomplishment; they likely have little or nothing to back up their claim. We contacted many attorneys and officials about this, we can expect that the Consumer Protection Financial Protection Board currently being set by Professor Elizabeth Warren will finally address the abuse and force PRA to comply with the law. Demand they send you documents that prove their claim or copies of accounts, signatures, goods provided, services rendered and all other information that connects your social security to their alleged loss. IMPORTANT: Once a 1099-C is issued, the law mandates that the debt can no longer be collected. This includes PRA selling it off to another vulture. They MUST show a zero balance on your credit report and are prohibited from extending the seven-year reporting statute. PRA cannot call you or send collection notices after a 1099-C has been issued. ~ Collectors Exposed I can’t for the life of me figure out why the IRS, or the Federal Trade Commission for that matter, allows junk debt buyers to get away with cheating the US government out of taxes that they write off and end up not paying in real taxes. It really does make me wonder about the entire debt collection industry in general. I guess if they have no fear of cheating consumers then they have no fear of cheating our government either. For the full excerpt on Portfolio Recovery Associates and “Bogus” 1099-C mailing click here .

China RTO Pump-and-Dump Scam Alleged – TheStreet.com

February 4th, 2011. Published under Fraud, Political Scams. No Comments.

China RTO Pump-and-Dump Scam Alleged TheStreet.com NEW YORK (TheStreet) — As more and more Chinese small- cap companies come under attack as fraudulent, …

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China RTO Pump-and-Dump Scam Alleged – TheStreet.com

EU Carbon Fraud: Could It Happen Here? – The Daily Score

February 1st, 2011. Published under Fraud, Political Scams. No Comments.

EU Carbon Fraud: Could It Happen Here? The Daily Score Europe's ETS cap-and-trade system has taken a somewhat undeserved drubbing in the press. Overall, it has functioned reliably and reasonably efficiently. …

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EU Carbon Fraud: Could It Happen Here? – The Daily Score

Carbon Retirement’s Jane Burston on the implications of carbon fraud on … – Greenwise Business

January 26th, 2011. Published under Fraud, Political Scams. No Comments.

The Guardian Carbon Retirement's Jane Burston on the implications of carbon fraud on … Greenwise Business Every few months we hear of a new scam , form the Pope being sold dodgy forest offsets to the large scale tax fraud on carbon credits that led to VAT being … Europe votes to ban industrial gas credits EurActiv Herbert Smith LLP > Theft of EU ETS allowances (26 January 2011) Linex Legal (press release) (registration) all 89 news articles

EU carbon credit theft encourages tighter control – Marketplace

January 21st, 2011. Published under Fraud, Political Scams. No Comments.

Marketplace EU carbon credit theft encourages tighter control Marketplace The market in carbon permits has already been plagued by fraud. The latest scam is a further blow to its credibility. In London this is Stephen Beard for …

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EU carbon credit theft encourages tighter control – Marketplace

Carbon Credit market shut down – The Economic Voice

January 20th, 2011. Published under Fraud, Political Scams. No Comments.

The Economic Voice Carbon Credit market shut down The Economic Voice The European Commission has been on at individual countries to update and strengthen their ETS security procedures in the wake of VAT fraud, a phishing scam … and more

In pursuit of 475500 stolen European Union Allowances – FT Alphaville (blog)

January 20th, 2011. Published under Fraud, Political Scams. No Comments.

In pursuit of 475500 stolen European Union Allowances FT Alphaville (blog) Others have included VAT fraud, a phishing scam and even the re-sale of used carbon credits . The competent registration of units, though, is especially … National carbon accounts shut in 5 EU states Gulf Times EU carbon market to reopen step by step after theft Reuters EU carbon market to reopen step by step after theft IBNLive.com all 49 news articles

Classic Closeouts LLC Who Illegally Charged Consumers’ Accounts Settles Lawsuit

January 13th, 2011. Published under Business Scams, Fraud, Scams. No Comments.

Defendants in an operation that the Federal Trade Commission alleged stole millions of dollars from consumers by making unauthorized charges and debits to their bank accounts have reached settlement agreements with the FTC. In Operation Short Change – a July 2009 crackdown on scammers taking advantage of the economic downturn to bilk vulnerable consumers through a variety of schemes – the FTC announced a complaint against Classic Closeouts LLC, its principal Daniel Greenberg, and several other defendants.

Legal Decisions to Use in FDCPA Lawsuits Against Debt Collectors

January 13th, 2011. Published under Fraud, Scams. No Comments.

You’ve filed a lawsuit against a debt collector or law firm for violations of the Fair Debt Collection Practices Act (FDCPA). Chances are, in about 94% of FDCPA cases the defendant will attempt to settle soon after you file. However some collection agencies and law firms will fight you tooth and nail in court. With that being said the plaintiff in a FDCPA lawsuit needs legal precedents (legal decisions) to show the court in fact they have violated the law or to show prior causes for your filing of the FDCPA violation claims. The information below is a portion of Chapter Seven of my upcoming book ‘ Suing Abusive Debt Collectors – Don’t Get Mad, Get Even and Get Paid ’. If you would like to be notified when the book is published you may contact me here . Debt collection harassment comes in many forms: legal threats, physical threats, lack of disclosure, misleading or confusing consumers and many other forms of harassment are happening every day to consumers. Consumers MUST fight back to end debt collector harassment. The more collection agencies that are sued for violating a consumers rights the less likely it will occur in the future. Mind you the below are only the legal precedents, without explanations (detailed explanations will be included in

Debt Collectors Gone Wild – Dead Woman’s Affidavits Still Haunting Courts

January 5th, 2011. Published under Fraud. No Comments.

Marta Kunkle died in 1995, yet for years afterward her name appeared on affidavits used in debt collection lawsuits filed by Portfolio Recovery Associates Inc. Despite being sued for fraud in 2008, Portfolio Recovery supposedly stopped using any documents bearing Ms. Kunkle signature in lawsuits. However, in July 2010 her name once again popped up in an affidavit. Several states are in the process or are considering investigating whether Ms. Kunkle’s affidavits are still being used in consumer litigation. Consumers that have been sued by Portfolio Recovery Inc., and had monetary court judgments against them in the past should seek to re-open their cases and see if the judgment was granted based on an affidavit signed and attested to by Martha Kunkle. If Ms. Kunkle’s name does appear then they may can have a judgment overturned or rescinded based on these fraudulent documents. The daughter testified in a deposition that other Providian employees used the name Martha Kunkle when signing affidavits. Along with other employees, the daughter was responsible for signing affidavits. After countersuing Portfolio Recovery Associates for alleged violations of the Fair Debt Collection Practices Act, Ms. Cole was the lead plaintiff in a 2008 federal-court suit in Montana alleging the company targeted 16,000 borrowers using “false and misleading” affidavits. “I’ve watched and wanted to tell defendants in these suits to demand proof of the underlying debt because that proof is so often flimsy,” one Iowa judge.. ~ Wall Street Journal Boilerplate, (aka

Debt Lawsuit Scare Tactics – Consumers Should Never Assume Collector Owns The Debt Or Can Prove It

December 10th, 2010. Published under Business Scams, Fraud. No Comments.

More often than not original creditors lack proper documentation to show proof of debt in civil debt collection lawsuits. This line of thought goes double, or even triple for junk debt buyers. Junk debt buyers are increasingly using our overwhelmed, taxpayer supported legal system to collect money. Debt lawsuits are primarily scare tactics, as most consumers for some reason are afraid of courtrooms and judges. The fact of the matter is that in more than ninety-percent of collection lawsuits, the plaintiff cannot prove that a debt is actually owed. Many debt buyers that use litigation have little or no documentation to support their case. Often a debt buyer only has a “bill of sale” for a pool of debts that only show account numbers and amounts. Anyone with a computer could manufacture such documents and these “bills of sale” affidavits do not show a legal obligation and are hearsay. Consumers being sued over a debt must ask the court to strike such affidavits or risk a judgment based on baseless affidavits. There are several legal precedents that pro se consumers can utilize to strike such questionable affidavits. Another item that pro se consumers should understand. Legal precedents can be used, even if they are not specific to the state a suit is brought in. Debt Collection attorney’s do the same all the time. A legal precedent is just that, a precedent. While I prefer to use state specific and federal legal decisions in my own pro se briefs and motions I have included other state court legal decisions. Legal Precedents to Strike Affidavits of Debt and Motions for Summary Judgment In Colorado Capital Investments, Inc. v. Villar, 5894/2005 (1′J.Y. Civ. Ct., June 4, 2009), “ (“None of these assignments, however, contain a list of the accounts which were included in the transfer. Thus on their face, these assignments and bills of sale do not specify that defendant’s account was included in any transfer, and cannot support movant’s contention that defendant’s account was so transferred”).” In Unifund CCR Partners v. Cavender, No. 2007-CC-3040, 14 Fla.L. Weekly Supp. 975b (Orange Cty. July 20, 2007) , the court held that a debt buyer “assignment” that does not refer to specific accounts does not establish ownership by the plaintiff, nor is testimony based on a computer screen sufficient. In Velocity Investments, LLC v. Alston, 2-08-746 (2nd Dist., Jan. 15, 2010), supra , “Generic” (i.e. Bill of Sale) contracts that cannot be identified as pertaining to the specific account sued upon. In re A.B., 308 Ill.App. 3d 227, 236, 719 N.E.2d 348 (2nd Dist. 1999) ,

Evolution of IT on display at ITEX – Computerworld New Zealand

December 9th, 2010. Published under Fraud, Political Scams. No Comments.

Computerworld New Zealand Evolution of IT on display at ITEX Computerworld New Zealand This is a very elaborate job listing scam , he says. The fraudsters fly the job applicant abroad for an interview where they make an attractive offer. …

6 Evolution of IT on display at ITEX Computerworld New Zealand

Robocallers JPM Accelerated Services and IXE Accelerated Financial Centers Shut Down by Federal Trade Commission

December 7th, 2010. Published under Business Scams, Fraud, Scams. No Comments.

At the Federal Trade Commission’s request, a U.S. district court has approved a settlement shutting down two groups of Florida-based telemarketers that allegedly flooded consumers with misleading pre-recorded robocalls falsely promising to reduce their credit card interest rates. The agency reached a settlement that permanently bans the two related operations from making robocalls and selling debt relief services. The settlement orders are the latest in a series of enforcement actions the FTC has taken to rein in robocallers, especially those who try to take advantage of consumers affected by the economic downturn. According to the FTC, JPM Accelerated Services and related defendants made thousands of illegal pre-recorded robocalls to consumers, identifying themselves only as “card services” and offering lower credit card interest rates. Consumers who pressed “1″ after hearing the automated pitch were transferred to live telemarketers who falsely told consumers that JPM’s services would allow them to dramatically lower their credit card interest rates. The complaint alleged that the telemarketers charged an up-front fee typically ranging from $495 to $995, and promised consumers they would save thousands of dollars in a short period of time as a result of the lower interest rates, and that they would be able to pay off their debts faster. The defendants also falsely stated that if consumers did not save thousands of dollars from lowered interest rates, they would receive a full refund of the up-front fee. After collecting the fee from consumers, however, JPM allegedly failed to deliver the promised interest rate reductions and savings, and routinely refused to honor its money-back guarantee. The FTC complaint also charged the defendants with violating the Telemarketing Sales Rule by calling consumers on the Do Not Call Registry, blocking or “spoofing” caller ID, and making unlawful robocalls. The settlement orders also impose judgments of $5.9 million against defendants associated with JPM, and $3.2 million against six individual defendants associated with an affiliated operation called IXE Accelerated Financial Centers, LLC. The judgments represent the amount of money consumers lost through these robocall schemes. The judgments are suspended, based on the defendants’ inability to pay, but will become due if the defendants are found to have misrepresented their financial condition. Two of the defendants in the IXE operation, Ivan X. Estrella and Jaime Hawley, also are liable for an unsatisfied $75,000 judgment recently entered against them in a case brought by the Florida Attorney General. The Commission vote authorizing the consent orders settling the court action against the individual defendants was 5-0. The orders were filed in the U.S. District Court for Middle District of Florida, Orlando Division on November 9, 2010, against: 1) Ivan X. Estrella, Jamie M. Hawley, and Kimberly Nelson; and 2) Jeanie B. Robertson, Brooke Robertson, Alexander J. Dent, Micha S. Romano, Paul Pietrzak, and Ashley M. Westbrook. Estrella, Hawley, and Nelson worked with the IXE corporate defendants listed below. The rest of the individual defendants worked with the JPM corporate defendants. At the FTC’s request, the court also has dismissed the charges against Paige Dent. The court is reviewing the FTC’s request for a default judgment against the corporate defendants in this case, including the IXE corporate defendants (IXE Accelerated Financial Centers, LLC; and IXE Accelerated Services Inc.), and the JPM corporate defendants (JPM Accelerated Services Inc.; IXE Accelerated Service Centers Inc.; MGA Accelerated Services Inc.; World Class Savings Inc.; Accelerated Savings Inc.; and B&C Financial Group Inc.). The proposed default judgment includes monetary judgments of $3.2 million against the IXE corporations, based in Orlando, Florida, and $5.9 million against the JPM corporations, based in Melbourne, Florida. International Cooperation The FTC brought this action with valuable assistance from other law enforcement agencies in the U.S. and Canada, including: the U.S. Postal Inspection Service; the Attorney General of Florida; the Florida Department of Agriculture and Consumer Affairs; the Canadian Radio-Television and Telecommunications Commission; and the Toronto Strategic Partnership, which includes as member agencies the Competition Bureau Canada; the Toronto Police Service Fraud Squad – Mass Marketing Section; the Ontario Provincial Police Anti-Rackets Section; the Ontario Ministry of Consumer Services; the Royal Canadian Mounted Police; and the United Kingdom’s Office of Fair Trading. Valuable assistance also was provided by the Better Business Bureau of Central Florida. Source: FTC Federal Trade Commission v. JPM Accelerated Services Inc., a Florida corporation, IXE Accelerated Financial Centers, LLC, a Florida limited liability company, IXE Accelerated Services Inc., a Florida corporation, IXE Accelerated Service Centers Inc., a Florida corporation, MGA Accelerated Services Inc., a Florida corporation, World Class Savings Inc., a Florida corporation, Accelerated Savings Inc., a Florida corporation, B&C Financial Group Inc., a Florida corporation, Jeanie B. Robertson, Brook Robertson, Ivan X. Estrella, Jamie M. Hawley, Kimberly Nelson, Paige Dent, Alexander J. Dent, Micha S. Romano, and Ashley M. Westbrook. (United States District Court for the Middle District of Florida Orlando Division) Civil Action No. 09-CV-2021 FTC File No. 092 3190

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Robocallers JPM Accelerated Services and IXE Accelerated Financial Centers Shut Down by Federal Trade Commission

Attack of the clones – Building.co.uk

December 3rd, 2010. Published under Fraud, Political Scams. No Comments.

Building.co.uk Attack of the clones Building.co.uk Identity fraud is a scam that is all too familiar to anyone who has had their credit card ripped off in far-flung corners of the globe. … and more

Crazy Debt Collector News Headlines of the Week

November 21st, 2010. Published under Fraud. No Comments.

Once again it is time for the crazy, strange and unusual debt collector /collection headlines of the week. You know the ones that the Federal Trade Commission continues to turn a blind eye to. Florida woman launches legal battle against loan firms debt collection harassing on Facebook McGraw reaches settlement with N.J. lawyer, debt agencies

What’s Best for Harbin Electric’s Investors Isn’t High on the Company List – Seeking Alpha

November 16th, 2010. Published under Fraud, Political Scams. No Comments.

What's Best for Harbin Electric's Investors Isn't High on the Company List Seeking Alpha It warrants noting that ACLN had no operation, it was a root-and-branch fraud, almost more redolent of a movie than a standard stock promotion or a scam . … and more

Fake Courtroom Debt Collector Unicredit America Inc Probe Expanded

November 16th, 2010. Published under Business Scams, Fraud, Scams. No Comments.

Last week I reported on Unicredit America Inc for allegedly running a fake courtroom complete with fake deputies, judge and attorneys ( read it here ). According to a Michigan newspaper the probe has been expanded and also resulted in a judge ordering the debt collection operation shuttered and at least one client of Unicredit intends to file suit for breach of contract and fraud. It also appears that the Federal Bureau of Investigation (FBI) may also be interested in Unicredit America Inc. Attorney General Tom Corbett called Unicredit tactics “an unconscionable attempt to use fake court proceedings to deceive, mislead or frighten consumers into making payments.”

Debt Collection Class Action Lawsuit Encore Capital Group (aka Midland Funding, Midland Credit Management)

November 15th, 2010. Published under Business Scams, Fraud, Scams. No Comments.

I sincerely hope this is the first of many class-action and individual lawsuits filed against debt collection companies and their holding companies that fraudulently submit affidavits to courts in order to get a judgment. It is also up to judges to questions these affidavits and to force affiants to show proper documentation that would show if the affidavit is fraudulent or not. The sad news is most judges allow these sorts of worthless documents to be used in court without question. I imagine that this is happening in just one state, but in all states. On November 10, 2010 in a Washington State U.S. District court a class-action lawsuit was filed naming Encore Capitol Group Inc, Isaac Hammer, Jane Doe Suttell, Jane Doe Case, John Doe Gurule and others. Lauber et al v. Encore Capitol Group Inc et al, civil filing number: 2:2010cv05132 According to Courthouse News Service, “A Bellevue law firm works with collection agencies to mislead courts and consumers by using “robo-signers” in Minnesota who sign up to 400 affidavits a day, falsely swearing they have “personal knowledge” of cases in Washington state, to secure speedy default judgments, according to a federal class action. The class claims that Encore Capital Group, Midland Funding, and Midland Credit Management work with the Suttell & Hammer law firm, faxing a boilerplate form to a “legal specialist” in Minnesota, who signs the affidavit before any supporting documents are attached. “Encore Capitol Group (‘Encore Capitol’) has developed a proprietary, sophisticated, ‘system driven’ collection process based on the ‘predictive behavior’ of consumers (and state courts). In conjunction with its subsidiaries and ‘franchisee’ law firms (including the Suttell Law Firm) it engages in computer automated, high volume, state court litigation in the collection of distressed debt (purchased at pennies on the dollar).”

Hey GOP, Congress and FTC Stop Listening to Lobbyists and Groups Like ACA International

November 11th, 2010. Published under Business Scams, Fraud, Scams. No Comments.

The lobbying and trade groups that comprise the accounts receivables industry (aka debt collection industry) are constantly clouding issues to dissuade Congress, the Federal Trade Commission (FTC), Bureau of Consumer Financial Protection (BCFP)

Debt Collectors Threatening To Sue? Freeze Your Credit Right Now

November 6th, 2010. Published under Fraud, Scams. No Comments.

Having financial problems? Are the debt collectors hounding you? If the collection attempts are fairly recent (3-6 months) then you should freeze your credit files with all three major credit reporting agencies. When you freeze your credit your original creditors can still access your credit reports. However, third parties such a collection companies and attorneys generally cannot. The last thing you need while enduring financial difficulties is being served with a civil lawsuit over a debt. If you never heed any of my advice, do this one thing immediately. It may save you a lot of future grief of having to respond to a debt lawsuit. From my own personal experience, several law firms have “dipped” into my credit reports, and subsequently filed civil lawsuits (I beat them all to date in court though). Since freezing my credit back in 2009 the lawsuits stopped. I truly believe that law firms access consumers credit reports to determine if a consumer is worth suing (lawsuit fishing expeditions). While it is difficult to prove that a law firm has accessed your credit reports for litigation, it might be worth pursing to put them on notice that you will fight back. The Fair Credit Reporting Act (FCRA) doesn’t not allow accessing a consumers credit reports for litigation purposes as it is not a business to consumer transaction. If a law firm other entity access your credit reports after you freeze them, it may mean you can sue them and the credit reporting agency. Of course this doesn’t apply to original creditors that you have obtained credit from in the past. In most states you can voluntarily freeze your credit with the three major reporting agencies Equifax – https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp Experian – https://www.experian.com/consumer/cac/InvalidateSession.do?code=FREEZE TransUnion – http://www.transunion.com/corporate/personal/fraudIdentityTheft/fraudPrevention/securityFreeze.page Be careful with the TransUnion website, they will try to enroll you in other services like mostly useless monthly credit monitoring. Another good reason to freeze your credit whether you are having financial difficulties or not is that it will reduce the chances of identity theft and is much cheaper than paying a company every month to “monitor” your credit. You can always temporarily thaw your credit report so you can apply for credit. Not sure what’s on your credit or who has accessed your credit reports? Visit the Federal Trade Commission (FTC) website to access your reports for free via AnnualCreditReports.com . (Again be watchful when accessing your TransUnion website, they will try to sell you services even though the report is 100% free). Be smart and freeze your credit today.

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Debt Collectors Threatening To Sue? Freeze Your Credit Right Now

The Federal Trade Commission Continues To Turn a Blind Eye on Debt Collection Abuse

October 25th, 2010. Published under Business Scams, Fraud, Scams. No Comments.

I am sick and tired of clueless journalists recommending that consumers report collection abuse to the Federal Trade Commission. While it is good that consumers should report illegal debt collections to the FTC, the problem is that the Federal Trade Commission rarely takes action against companies that condone collection harassment. Let’s take a look at the number of FTC enforcement actions against debt collectors in recent years:

Global warming fraud: the tide begins to turn – Prison Planet.com

October 14th, 2010. Published under Fraud, Political Scams. No Comments.

Global warming fraud: the tide begins to turn Prison Planet.com In 1979 they produced their report: coded JSR-78-07 and entitled The Long Term Impact of Atmospheric Carbon Dioxide on Climate. … and more

A New Tactic To Get Junk Debt Collectors Off Your Back?

October 12th, 2010. Published under Business Scams, Fraud. No Comments.

A reader, I will refer to him as M.W. emailed me after I published a news article and blog post titled, “ Watch Out Kids Debt Buyers Are Hot On Collecting Defaulted Student Loans ” on October 11, 2010. M.W. claims that the form letter below works like a charm with third party / junk debt collectors. Basically when a non-original creditor contacts him, he sends them a validation letter and an invoice for “compelled services rendered”. M.W. states that the collector doesn’t contact him again. If nothing else, it shows the debt collector that they will have a fight on their hands in the event that they bother the sender again. Below is the form letter that M.W. uses. I would like to thank M.W. for sharing this with me and allowing me to share it with others. I can’t wait to put it to the test myself. If nothing else the form letter is quite enlightening. If anyone uses this form letter, please do let me know if it is effective I am very interested as I am sure many other consumers will be as well. My personal belief is “nothing ventured, nothing gained”. —– Begin Form Letter —- To: [Company] Form CA-F.U.-1 [Address] [City, State, Zip] From: [My Name] [My address] [My City, State, Zip] [Date] NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT. 1) Pursuant to the Fair Debt Collection Practices Act, 15 USC 1601, 1692 et seq., this constitutes timely written notice that I decline to pay the attached erroneous purported debt which is unvalidated and unattested, and which I discharge without dishonor, on grounds of false representation, and fraud. A) No contract bearing my signature showing me being named as a party with [Company] was attached. B) No copy of a Judgment bearing my name, was attached. C) By law, I am required to deal with Original Creditors not third party collections agents. D) No copy of your authority to operate within the State of [Your state] was attached. E) No copy of any receipt, or other such transaction document showing [Company] as the primary party was attached. F) I have not opened an account with [Company] Valid proof of my opening an account with [Company] was not attached. 2) 15 USC 1692 (e) states that a “false, deceptive, and misleading representation, in connection with the collection of any debt”, includes “the false representation of the character or legal status of any debt” and further makes a threat to take any action that cannot legally be taken a deceptive practice. 3) Such notice omits information which should have been disclosed, such as vital citations, disclosing the agency’s jurisdictional and statutory authority. Said notice further contains, false deceptive and misleading representation, and allegations intended to intentionally prevent the truth for the purpose of inducing one, in reliance thereof, to part with property belonging to or in trust of them and to surrender certain substantive legal and/or statutory rights, resulting in a legal injury. 4) Pursuant to 15 USC 1692 (g) (4) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand, that within 5 days, you provide such validation and supporting evidence to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated, you have no jurisdiction to continue any collection activities. A. Incomplete copies will not be acceptable; B. Unreadable copies will not be acceptable; C. Copies with more than 1/100 th of the pages covered up or hidden behind objects will not be acceptable; D. Copies without the name of [Company] named directly as a first party, will not be acceptable; E. Copies of contracts with any other person, agency, man or woman, will not be acceptable unless my name is also specifically listed as a primary party, and [Company] is also specifically listed as a primary party. 5) This is constructive notice that, absent the validation of your claim within 5 days, you must cease and desist any and all collection activity and are prohibited from contacting me, through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting my common employer, my Bank, or any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency, and you to a liability in your individual personal capacity, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to $1000.00 per day for each and every violation, and a further liability for legal fee’s to be paid to any council which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of Lien or Levy and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. 6.Finally, you are ordered NEVER again to contact me unless said contact contains a copy of a valid contract of which you and I are named as primary parties . Since that will never happen, I do not expect to hear from you again in any way, shape, or form. If I do, I will charge you 500.00 for compelled performance. Be advised, your letter constitutes a compelled performance. This is my response to that compelled performance. Any further attempts will be seen as willful criminal acts, which will include, but not be limited to: using the US mails to communicate a threat, Using the US mails to commit extortion, constructive fraud, willful neglect, and any other charges I can think before the date of filing criminal complaints and/or lawsuits. And I will seek damages for having to file said suits. Executed on Date:[date] Signed: ___________________________ [name[]

Global warming fraud: the tide begins to turn – Telegraph.co.uk (blog)

October 12th, 2010. Published under Fraud, Political Scams, Scams. No Comments.

Telegraph.co.uk (blog) Global warming fraud: the tide begins to turn Telegraph.co.uk (blog) All credit to Harold Lewis for his honesty and for the having the courage to state his position. It is indeed one of the greatest scams to have been …

6 Global warming fraud: the tide begins to turn Telegraph.co.uk (blog)

Another Scathing Indictment of Climate Change – Canada Free Press

October 9th, 2010. Published under Fraud, Political Scams. No Comments.

Another Scathing Indictment of Climate Change Canada Free Press All government policies, including Cap and Trade legislation, that are adopted from this pseudo science are as fraudulent, as is the “Made-As-Instructed” …

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Another Scathing Indictment of Climate Change – Canada Free Press

Another Consumer Beats Debt Collector Hanna and Associates Using the Stick it to Sue Happy Debt Collectors Book

October 7th, 2010. Published under Business Scams, Fraud. No Comments.

It warm’s my heart to know that consumers are using my book, Stick it to Sue Happy Debt Collectors Book to beat unscrupulous

Financial Fraud and the Global Derivatives Casino, Mechanisms of the Scam – The Market Oracle

September 29th, 2010. Published under Fraud, Political Scams. No Comments.

The Market Oracle Financial Fraud and the Global Derivatives Casino, Mechanisms of the Scam The Market Oracle You must now put on your thinking cap and begin to think like a Goldman Sachs or JP Morgan banking executive if you want to understand how the con has been … and more

Senator Al Franken To Introduce Legislation To Curb Debt Collection Abuse

September 27th, 2010. Published under Fraud. No Comments.

According the the Minneapolis Star Tribune, Senator Al Franken will be introducing legislation aimed at curbing debt collection abuses. Apparently Senator Franken became quite shocked by the increasing number of lawsuits being filed by consumers against abusive debt collectors, and the tactics being used by the debt collection industry. In at least one state, debt collectors are using arrest warrants against defendants that do not show up in court when sued. Being sued over a debt is a civil matter, not a criminal matter judges should be the only ones that have the authority to issue an arrest warrant for failure to appear.

The Quickest and Easiest Way to Sue a Debt Collector for FDCPA Violations

September 25th, 2010. Published under Business Scams, Fraud. No Comments.

I’ve been doing a lot of legal research for my next consumer book on how to sue debt collectors and collection law firms for violations of the fair debt collection practices act (FDCPA), fair credit reporting act (FCRA), telephone consumer protection act (TCPA) and the truth in lending act (TILA). I spend literally hours every day reading legal decisions, court filings and legal citations. Of late I have been researching the topic of the lack of proper disclosures (i.e. mini-miranda) in written and oral (i.e. telephone) communications by debt collectors to consumers. As with my last book, “ Stick It To Sue Happy Debt Collectors ”, my next book will also be in an easy to understand format that consumers can use to sue debt collectors for breaking the law. Debt collectors frequently do not properly disclose who they are in telephone conversations or in voice mails left on consumers answering machines. A debt collector must abide certain federal regulations concerning the collection of debts, however, many times debt collectors will refrain from disclosing exactly who they are in order to entice (or scare) a consumer into calling back and this sort of behavior is illegal and actionable in a court of law (you can sue them for it). One of my most recent encounters with the lack of proper disclosure revolves around a debt collection company, Phillips & Cohen Associates LTD (sounds like a law firm name doesn’t is? They aren’t though) and through my research I found several federal cases where Phillips & Cohen lost their motions regarding proper disclosures (among others). Below are two examples of a debt collector not providing proper FDCPA disclosures and/or using misleading and deceptive tactics in contact with me personally. They are the same fellow using similar tactics and lack of proper disclosure (several years apart I might add). The links below are MP3 audio files. Call from 866-504-5035 (09/23/2010) The old call in 2007, same guy, threatening fraud charges Note that in both voicemails the debt collector fails to disclose that he is a debt collector, not does he disclose that the call is in reference to a debt (Section

BUSTED: Junk Debt Collector Phillips & Cohen 866-504-9784 You’re About To Be Sued

September 23rd, 2010. Published under Fraud, Scams. No Comments.

To whom it may concern at Phillips & Cohen, the debt collector that called me today and referenced a file number and told me to call them back or a would be pursued, is the same guy on that called me from another collection agency on May 2nd 2007 and told me he had fraud charge pending. Dirty debt collector scare tactics. I have included the voice mail from today and the one from 2007. I can assure you any further funny business on your part will result in my taking legal action against all involved. I’ve sued quite a few debt collectors for violating state and federal law and don’t have a problem doing so again. Scare tactics such as these are a wasted effort on your part. Being that you are a junk debt collector your sole option is to file suit naming me as defendant. Be aware though, I know how to beat the likes of you in court. So bring it on. Also just to so you are aware the number you are calling is a business phone. You will be receiving a cease all communication letter via certified mail. I would suggest that you abide by the cease and desist. Listen to the first MP3 file below, then listen to the older one, you will notice distinct voice characteristics in both recording, pay particular attention in the second This is a typical bad debt collector scare tactic and also illegal. Today Call from 866-504-5035 (09/23/2010) The old call in 2007, same guy, threatening fraud charges . (note the distinct similarities, same guy different name) Of course ACA International claims illegal and abusive debt collections are few and far between, yet here is the same guy, with two different names, working at two different collection agencies, doing the same sort of scare tactics. All I can say is come and get me (in court) so I can put you in your place. I had previously contacted the Federal Trade Commission about the older voice mail and now that I know that Phillips & Cohen and Worldwide Asset Purchasing are behind the calls I will forward the new information to Robin Rock, FTC attorney in Atlanta that had previously contacted me about the first call. When the FTC is through with you

Data Broker US Search Inc Settles Charges Privacy Pledges Were Deceptive

September 22nd, 2010. Published under Fraud, Scams. No Comments.

An online data broker that charged consumers $10 based on the promise that it could “lock their records”so others could not see or buy them, has agreed to settle Federal Trade Commission charges that its claims were deceptive and violated federal law. The settlement requires that the operation refund the fees it charged to nearly 5,000 consumers and bars misrepresentations about the effectiveness of any service that purports to remove information about consumers from the broker’s website. This is the latest in a series of FTC cases challenging companies’ failure to honor their privacy pledges. US Search, Inc., is an online data broker that compiles public records and sells data about consumers to the public. The records may contain not only names, addresses and phone numbers, but also information such as aliases, marriages and divorces, bankruptcies, neighbors, associates, criminal records, and home values. US Search offered customers a variety of search services, including “People Search,” “Background Check,” Real Estate Reports,” and “Criminal Records/Court Records Searches.” It also offered a “Reverse Lookup” service that can return the name of an individual associated with a particular phone number or property address. Since June 2009, US Search sold consumers its “PrivacyLock” Service, which it claimed would allow them to “lock their records” and prevent their names and other information from appearing on the company’s website, its search results, or advertisements for a year. According to the FTC complaint, the claims were false. The agency alleged the PrivacyLock Service: did not block consumers’ names from showing up as an associate of someone else in a search for the other person’s name; did not block consumers’ information from appearing in a “reverse search” of their phone number or address, or in a search of their address in real estate records; did not work if the consumer changed addresses, thereby generating new records that would not be subject to the PrivacyLock; and did not work if the consumer had multiple records – for example “John Smith” and “John T. Smith.” The settlement bars US Search, Inc. and US Search, LLC from misrepresenting the effectiveness of their PrivacyLock Service or any other service they offer that will allow consumers to remove information about themselves from search results, websites, and advertisements. The settlement order also requires that they disclose any limitations on such services and provide refunds to consumers who paid for the service. The FTC wishes to acknowledge the assistance of the World Privacy Forum in this area. The Commission vote to approve the complaint and accept the proposed consent agreement was 5-0. The FTC will publish an announcement regarding the agreement in the Federal Register shortly. The agreement will be subject to public comment for 30 days, beginning today and continuing through October 22, 2010. after which the Commission will decide whether to make it final. To file a public comment electronically, please click on the following hyperlink and follow the instructions: https://ftcpublic.commentworks.com/ftc/ussearch . Written comments should be addressed to the FTC, Office of the Secretary, Room H-135, 600 Pennsylvania Avenue, N.W., Washington, DC 20580. The FTC is requesting that any comment filed in paper form near the end of the public comment period be sent by courier or overnight service, if possible, because U.S. postal mail in the Washington area and at the Commission is subject to delay due to heightened security precautions. NOTE: Consent agreements are for settlement purposes only and do not constitute an admission by the defendants of a law violation. 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 website provides free information on a variety of consumer topics .

This Month’s Kudos and Dodos – Canada Free Press

September 19th, 2010. Published under Fraud, Political Scams. No Comments.

This Month's Kudos and Dodos Canada Free Press The same Franklin Reines that presided over the Fannie-Freddie Fraud also bought the patent rights to the carbon credit market which were paid for WITH …

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This Month’s Kudos and Dodos – Canada Free Press

A history of scams and frauds – Investors Chronicle

September 17th, 2010. Published under Fraud, Political Scams, Scams. No Comments.

A history of scams and frauds Investors Chronicle Essentially, what Cap 'n Bob had was several powerful weapons in a fraudster's armoury; an ability to bind people to him through either loyalty or greed, …

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A history of scams and frauds – Investors Chronicle

Malden police warn residents of money order scam cases – Daily Dunklin Democrat

September 7th, 2010. Published under Fraud, Money Order Scams. No Comments.

Malden police warn residents of money order scam cases Daily Dunklin Democrat According to Malden's Chief of Police, Jarrett Bullock, residents and business owners alike need to be aware of fraudulent money orders circulating …

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Malden police warn residents of money order scam cases – Daily Dunklin Democrat

Court Orders Credit Repair Operation To Stop False Claims; Family-Run Scam Surrenders Cars, Houses and Real Estate

September 1st, 2010. Published under Business Scams, Fraud, Scams. No Comments.

A credit repair operation has agreed to stop making false claims and stop charging up-front fees under a settlement with the Federal Trade Commission. The settlement is part of an ongoing crackdown on scams that target financially strapped consumers, in this case taking hundreds of dollars in fees to purportedly remove negative information from consumers’ credit reports even if the information is accurate and timely. The FTC filed the action in “Operation Clean Sweep” in October 2008. The settlement agreement requires that Clean Credit Report Services, Inc., Ricardo A. Miranda, Ruthy Villabona, and their son, Daniel R. Miranda give up two cars, three houses, and six commercial properties in Broward and Miami-Dade counties in Florida, and in Bogota, Colombia. According to the FTC, they told consumers they would help remove all the negative remarks from their credit reports, as well as current debt. Clean Credit often debited $400 from consumers’ bank accounts before receiving a signed contract, and then did little, if anything, to fulfill its promises. See http://www.ftc.gov/opa/2008/10/opcleansweep.shtm . The settlement order bars Clean Credit and its owners from making misrepresentations about any good or service, such as the ability to improve a consumer’s creditworthiness or remove negative information from a consumer’s credit report. The order also prohibits Clean Credit from charging money up-front for credit repair services, and from collecting payments from consumers who purchased its services before October 22, 2008, when the court froze the defendants’ assets, including their bank accounts. The order further bars the defendants from disclosing, benefitting from, or failing to properly dispose of customer information. In addition, the settlement order imposes a $14.4 million judgment that will be suspended, contingent upon the defendants surrendering their assets, including frozen funds totaling about $165,000 and any proceeds received from selling their six commercial and three residential properties under foreclosure in Florida; commercial property in Bogota, Colombia; a 1992 Mercedes S300; and a 1997 Chevrolet Venture. The full judgment will become due immediately if the defendants are found to have misrepresented their financial condition. The Commission vote to file the stipulated final order was 5-0. The order was filed in the U.S. District Court for the Southern District of Florida. NOTE: 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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Court Orders Credit Repair Operation To Stop False Claims; Family-Run Scam Surrenders Cars, Houses and Real Estate

Debt Collectors Beware Federal Court Rules One Party Consent Telephone Recordings Are Okay

August 24th, 2010. Published under Business Scams, Fraud, Scams. No Comments.

Over the last several years there has been an ongoing debate regarding the lawfulness of one party telephone conversation recording, such as recording a debt collector making illegal, abusive and threatening phone calls. To date consumers only had their own state laws one the legality of one-party consent phone calls (only one person being aware or consenting to the recording). The US 2nd circuit

Crackdown on carbon credit scam – Telegraph.co.uk

August 24th, 2010. Published under Fraud, Political Scams. No Comments.

Crackdown on carbon credit scam Telegraph.co.uk Carbon credit trading is to be subject to reverse value-added tax (VAT) charges in a bid to prevent fraud. By Emma Rowley From November, a zero VAT rate put … and more

Auto Warranty Robocaller To Pay $2.3 Million, Sell Mercedes For Consumer Redress

August 23rd, 2010. Published under Business Scams, Fraud, Scams. No Comments.

Consumer Redress Collected from All Defendants in Robocall Case Totals $3 Million One of the telemarketers who blasted U.S. consumers with millions of illegal auto “warranty” robocalls last year will pay approximately $2.3 million, give up his Mercedes, and be barred from telemarketing, under a settlement with the Federal Trade Commission that wraps up the agency’s case against the deceptive operation. In sum, the FTC is collecting nearly $3 million to reimburse victims of the scam. The settlements resolve FTC charges that Damian Kohlfeld and his two firms made millions of illegal prerecorded calls to consumers nationwide in an attempt to deceive them into buying extended auto warranties or service contracts (audio files of these calls can be found on the FTC’s website as a link to this press release). The robocalls misled consumers into thinking that the callers were affiliated with consumers’ car dealerships or manufacturers, and that their auto warranty was expiring or about to expire. Earlier this year, the FTC announced a settlement with two other defendants who helped make the robocalls, under which they have paid more than $655,000. The FTC also announced a settlement in September 2009 with Transcontinental Warranty, Inc, the company that employed the defendants in this case to make the illegal prerecorded calls. (See press release at http://www.ftc.gov/opa/2009/09/twi.shtm .) “Fortunately for American consumers, the telemarketers who were responsible for millions of unsolicited and annoying robocalls will never be able to telemarket again,” said FTC Chairman Jon Leibowitz. “We’ve also taken away all of their money to provide redress for consumers who were defrauded. This case serves as a clear message: telemarketers who violate the privacy of ordinary Americans will have to pay the price.” According to the FTC’s complaint, Kohlfeld and the Chicago-based firms Voice Foundations, LLC, and Network Foundations, LLC, violated the FTC’s Do Not Call Registry and falsely represented that: the telemarketers were calling from, or affiliated with, the manufacturer or dealer of the consumer’s automobile; the consumer’s original automobile warranty was about to expire; and the telemarketer had specific information about whether the consumer’s vehicle was the subject of a recall. The settlement requires Kohlfeld to pay more than $2.2 million. In addition, he is required to liquidate two investment accounts totaling approximately $130,000 and to sell his 2006 Mercedes. All of the money collected will be used for consumer redress. The settlement order also bans Kohlfeld from telemarketing or assisting others engaged in telemarketing, prevents him from making the misrepresentations alleged in the FTC’s complaint, and bars him from making any misrepresentations related to the sale of any goods or services. The order specifically prohibits him from misrepresenting the cost, use, or effectiveness of any product or service or any of the refund policies associated with any product or services. In addition, Network Foundations will pay $50,000 to be used for consumer redress. Voice Foundations has no assets to pay toward a judgment. If either of the companies later is found to have misrepresented its financial condition, it will be subject to a larger monetary judgment. The Commission vote authorizing the three stipulated final orders settling the court actions against Network Foundations, LLC, Voice Foundations, LLC, and Damian Kohlfeld was 5-0. They were filed in the U.S. District Court for the Northern District of Illinois, Eastern Division, on August 19, 2010, and signed by the judge the same day. NOTE: These stipulated final orders are for settlement purposes only and do not constitute an admission by the defendants of a law violation. Stipulated final orders requires approval by the court and have the force of law when signed by the judge. Copies of the stipulated final orders are available from the FTC’s website 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 .

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Auto Warranty Robocaller To Pay $2.3 Million, Sell Mercedes For Consumer Redress

A better alternative than the carbon credit scheme – Indianapolis Star

August 7th, 2010. Published under Fraud, Political Scams. No Comments.

A better alternative than the carbon credit scheme Indianapolis Star The carbon – credit scam in Europe has been at the center of fraud and abuse since its inception. It has enriched an elite few beyond belief on the basis of …

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A better alternative than the carbon credit scheme – Indianapolis Star

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