Corruption
Monday, June 29, 2009
Lexington bribed the FTC? Another worthless FTC credit repair settlement
These LIARS at the FTC:
“The FTC advises that only time, effort, and a personal debt repayment plan can improve your credit report.”
If you want to do me a HUGE favor, please file a complaint about me and my claims that YES, I CAN get you substantially higher credit scores if you are willing to PAY me, possibly settle some debts and you have the guts to sue in the corrupt US courts.
Contact info is in the FTC press release below, I’d love to be able to put on the record how STUPID these morons are. It makes my blood boil to see their outrageous lies.
Please see my complaints to the FTC and the FTC doing NOTHING to stop the most egregious and malicious systemic incorrect credit reporting:
http://credit-reporting-collection-ftc-complaints.info/
And to add insult to injury, they’re going after some wannabe credit repair outfit with so few customers, they can’t even pay the fine.
This is NOT a coincidence, but part of the grand scheme to have the average person get scammed by credit repair outfits while doing NOTHING to force the CRAs, creditors and collectors to comply with the law.
Things are EXACTLY as the FTC and the Obama administration want them to be.
And they’re leaving Lexington alone!
I see the FALSE Lexington claims all the time right here in the Google ads. Lexington pays a LOT of money for every click on these ads because their scam is so profitable.
What’s going on?
Who at the FTC is on the Lexington payroll?
Below is the 6/25/09 FTC press release:
)A federal court has ordered a credit repair operation and its principals to stop making false claims and requiring advance payment for credit repair services. The agreed-upon court orders are a result of a settlement between the Federal Trade Commission and the “credit repair” defendants.
The Commission sued the defendants in October 2008 as part of “Operation Clean Sweep,” a crackdown on credit repair operations. The defendants represented that they could remove negative but accurate information from consumers’ credit reports, including bankruptcies and late fees. According to the FTC, the defendants charged consumers up to $59.95 initially, then $59.95 per month, to send letters to credit reporting agencies disputing information on the consumers’ credit reports. Contrary to the defendants’ representations to consumers, those dispute letters failed to remove accurate negative information from the consumers’ credit reports.
The orders bar the defendants from violating the Credit Repair Organizations Act by charging clients fees in advance and claiming that a credit repair organization can permanently remove negative information from credit reports, even when the information is accurate. They also bar the defendants from making deceptive claims when marketing any product or service, including credit repair services.
The orders further prohibit the defendants from collecting money from consumers who purchased their services before December 3, 2008, when the court halted their unlawful practices, and from disclosing or benefitting from customers’ personally identifiable or financial information. The orders require them to take reasonable measures to protect consumers’ personally identifiable information during its disposal.
The order against Ace Group, Inc., doing business as American Credit Experts, Inc., The Ace Group, Inc., The Ace Group, and ACE; Legal Credit Repair Center, Inc.; Michael Singer, and Gerald Roth, imposes a $20,645,754 judgment that will be suspended if Singer and Roth pay $5,000 each because of their inability to pay the full judgment. The order against Melvin Kessler also imposes a $20,645,754 judgment, which is suspended based on his inability to pay. If the defendants are found to have misrepresented their financial condition, the full judgments will become due immediately. The orders also contain record-keeping and reporting provisions to allow the FTC to monitor compliance with the orders.
The FTC advises that only time, effort, and a personal debt repayment plan can improve your credit report. The first step is to learn what information is in your credit report. Federal law requires that the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – provide you with a free copy of your credit report once every 12 months, if you ask for it. To order your free report, visit annualcreditreport.com, call 1-877-322-8228, or complete and mail the Annual Credit Report Request Form. If you find errors or mistakes in your credit report, federal law gives you the right to have them corrected – free of charge. Credit repair information is available in “Credit Repair: How to Help Yourself,” at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm.
The Commission vote authorizing staff to file each of the stipulated final orders was 4-0. The orders were filed in the U.S. District Court for the Southern District of Florida and were entered by the court on June 3 and June 15, 2009.
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 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 1,500 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.
MEDIA CONTACT:
Frank Dorman
Office of Public Affairs
202-326-2674
STAFF CONTACT:
Leonard L. Gordon
FTC’s Northeast Region
212-607-2829Michele Stolls
FTC’s Northeast Region
212-607-2834Robin Eichen
FTC’s Northeast Region
212-607-2803
(Ace Group)
(FTC File No. X090003
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Legal • Regulators - legislators • Corruption • (0) Comments • Permalink
Sunday, May 31, 2009
An anonymous “admirer” voice mail - Debt Crisis Solutions?
Of course there’s no caller ID:
http://fdrs-debt-elimination-scam.info/5-31-09--moron.WAV (language)
I posted the file with the FDRS blog since that’s one of the more likely reasons for the call. There are so many of these debt elimination scammers and as FDRS is apparently practically out of business, Debt Crisis Solutions and John Gliha took its place.
I rarely listen to the Alex Jones and Jason Bermas shows anymore because they continue to advertise Debt Crisis Solutions along with some other very DANGEROUS and potentially deadly scams such as the “solar generator” fraud. It’s a shame that Bermas smears Jesse Ventura by associating him with this scam.
If you happen to be a Jones/Bermas fan, I’ll greatly appreciate your bringing my posts to their attention. Although I’m SURE they’re aware of my posts, I’ve never heard from them. And that’s of course because they have nothing to say. Everything I post is true.
I took a pic of my new puppy yesterday, sitting under the bumper with the infowars.com sticker. I really wish I could support Alex Jones and Jason Bermas. It’s such a bummer that they are as corrupt as any politician. The end justifies the means. Corrupt regimes are always replaced by new corrupt regimes.
So the anonymous caller is whining about my allegedly false publications.
I’ve given even the most vile scammers like Debt Crisis Solutions and John Gliha the opportunity to post at MY sites and to DOCUMENT that they don’t defraud people.
It’s not MY fault that they can’t document their false advertisements.
To date, I’m still waiting for the faxes from Debt Crisis Solution and John Gliha with my allegedly FALSE statements. Obviously, that’s because all my statements are TRUE.
I don’t have time to listen to the other posted Debt Crisis Solutions / Gliha VMs to compare voices.
Whoever this anonymous coward is, it just goes to show that my work is effective.
Thursday, April 30, 2009
The transcript of my deposition by the CRAs and NCO and my comments
I posted at http://credit-bureau-nco-litigation.info/2009/04/my-deposition/the-transcript-of-the-32709-deposition/ after I got the filing with their motion for sanctions today. Needed some motivation.
I had planned on filing a motion for clarification regarding judge Teilborg’s order denying the motion to dismiss, but, I’ve been busy and I figured I can just the same put it all in my response to their motion for sanctions.
An exhibit to my response will be my published complaint to the FTC (see my DeVry / Experian FTC complaint), demanding some changes to the law, including minimum statutory damages for attorney lies to unrepresented consumer litigants and violations of court rules and orders.
As this case documents, the courts actually ENCOURAGE the attorney misconduct!
Don’t bother counting on justice in American courts unless you’re very wealthy.
STOP paying your unsecured bank debts if you’re (near) judgment-proof.
Vote with your money!
2007 Inquiry suit • Corruption • (0) Comments • Permalink
Tuesday, April 21, 2009
The crooks in action: Feinstein and up to 30% commission for selling foreclosed FDIC owned homes
I hope I’ll never ever make enough money to have to pay income tax again. And I suggest you do the same.
Senator’s husband cashes in on crisis
…
Feinstein sought $25 billion for agency that awarded contract to spouse
Real estate specialists also question the government’s generosity in the CBRE contract.
The firm, known for its commercial real estate services, is to be paid monthly maintenance fees for each foreclosed property it handles, as well as commissions and incentives. The total compensation can range from 8 percent of the sales price on many residential properties to 30 percent for properties worth $25,000 or less. A smaller firm also won a slice of the work with similar terms, records show.
Most real estate agents earn no more than 6 percent on residential, even on foreclosed properties, and CBRE doesn’t have as much experience in foreclosure sales as other firms, the experts said.
“From everything I know about it, it is a very sweet deal and went to somebody who is less than qualified in dealing with foreclosed residential properties. Their expertise is in commercial real estate,” said Cynthia Kenner, a Colorado real estate agent who specializes in selling bank-owned residential properties and last year helped sell more than 600 foreclosed properties.
“There are companies that are more experienced in selling such properties than CB Richard Ellis,” she added. ...
This is a LONG article and while am generally NOT opposed to government contracts when it comes to negotiating DISCOUNTS such as for health-care, but THIS is about as bizarre as it gets.
Why on earth isn’t the FDIC assigning listings REGIONALLY to the most experienced, qualified and hard working real estate brokers?
I wish I could say that it’s been a while since I’ve seen anything so freaking STUPID. Unfortunately, not a day goes by when I don’t read about NUMEROUS idiotic government decisions.
There’s no way that they could be so STUPID. They’re corrupt, that’s all there is to it. Pure corruption.
I don’t blog most of the horrifying news I read, but since I have extensive real estate experience (Cal. real estate broker in the 90s), I couldn’t stop myself. This really bites.
The only thing that makes the extraordinary corruption of the government bearable is knowing that they’re unlikely to get as much as one dime from me ever again.
“Something” ate about 3/4 of my little peach tree’s leaves over the last few days and I decided to build a 10 x 10 fully enclosed garden area. I still have lots of aluminum screen and frames from when I PLANNED to screen my porch 9 years ago. So I only need to buy lumber, j-bolts and maybe some more screws. I’ll try a rock / concrete foundation and I’ll build the door. I’ll have till fall to decide whether/how to weatherproof it. It could be my next adobe brick project.
I feel like next year I may have to live off what I grow.
I don’t care if they give quadrillions to the banks, insurance companies and politicians’ spouses. It won’t be ME paying on the national debt.
Thursday, March 12, 2009
The courts’ FCRA rulings in the Strasburger FCRA newsletter: STOP paying your credit cards!
I just had a look at the Strasburger & Price (Trans Union lawyers) FCRA newsletter. It is so aggravating to see so many horrible decisions, essentially ruling that as a human being you have NO rights, your time is worthless, your pain isn’t real pain and the credit bureaus and banks have the power and can do to you whatever they want.
I could explain why these rulings are wrong, but why bother?
There are SO MANY totally OUTRAGEOUS court rulings, the STRASBURGER & PRICE, LLP 1/09 FCRA newsletter is THE document proving that massive defaults on unsecured consumer debts are our only chance at justice.
The Strasburger newsletter is absolute proof that the way to find justice in America is to simply STOP paying your unsecured debts if you are (nearly) judgment-proof.
Here is one example from the Strasburger FCRA newsletter:
Emotional Distress: Plaintiff’s evidence of non-economic damages, consisting only of her own vague testimony that she suffered anxiety and lost weight was inadequate. Even if the testimony was specific enough to support a claim, it included all of her health and other problems resulting from the identity theft, rather than just those caused by Defendant. ...
Essentially, the court ruled that when you are gang raped, you can’t determine which one of the rapists caused which pain and they therefore can’t be convicted.
Pretty simple, isn’t it? And THAT is “justice” in America in the 21st century.
So rather than wasting your time and money on maintaining that GOOD credit rating and putting yourself in a position where you CAN be hurt, be proactive and take your “profits.”
CASH OUT!
Use your credit cards to buy food and fuel, get your car and house in shape, see the dentist and take care of whatever medical issues, etc.
Pay for some measures to evade the annoying collection calls and make sure you have PayPal accounts, bank accounts, debit cards, etc. Take care of everything that requires credit checks and then STOP paying your credit cards.
Even if you’re NOT judgment-proof, it might not take a whole lot to get there.
With a little planning (like the wealthy) most people have NO problem becoming judgment-proof. Let the the banks waste some more money on suing you, conduct discovery, let them throw their money at these scum sucking lying lawyers and if they get judgments, file for bankruptcy.
YOU have the power to vote with YOUR money and you can be just as calculating as they are. It is your right and if you have kids, you have an obligation to do whatever it takes to ensure that your family is taken care of.
And if you’re in one of the states where your wages can’t be garnished, you probably don’t have to file for bankruptcy if you don’t own your home.
You can do EXACTLY what they do, be calculating and plan your default and you will WIN!
Freedom is having nothing left they can take from you.
Defaulting is NOT an option for everybody, but if 50 million people (merely 25% of adult Americans) stop paying on an average of $20,000 owed to the major banks such as Citi, Chase, BofA, Wells Fargo and AmEx, the banks would instantly lose 1,000,000,000,000 or $1 trillion.
I know people who defaulted on over $300,000 in credit cards! Go, baby!
Stop paying for credit reports, monitoring and ID theft insurance (bankrupt the CRAs!) and NEVER worry about your credit again!
It is so liberating when you’ve been struggling to pay your credit cards and you can finally STOP worrying.
Take your kids to the lake or to the beach, read a book, enjoy life!
Additionally, you’ll be taking the most patriotic action possible:
You stop financing the corrupt banks and CRAs.
It’s like stopping payments to the Mafia, but they can’t break your legs.
You can’t make AGs, legislators and regulators do what’s RIGHT and put the bankers and their lying lawyers in prison, but you CAN stop financing the criminals.
These days, a trillion dollars isn’t very much anymore, but it’s the best we can do. Of course they incur additional expenses trying to collect, consider that a little bonus.
You can help them self-destruct and it’s the ONLY way to find justice in America unless you’re super rich or one of the very few with a good lawyer and lucky enough to have an honest judge.
And that’s less likely than winning the lottery.
You have to CREATE justice or live with the fact that when you go to court, chances are that you will LOSE no matter how right you are because the courts are owned by the banks and CRAs and most judges IGNORE and even ENCOURAGE their lies.
Don’t believe ME, read the Strasburger FCRA newsletter.
And please also read:
3/8/09: My response to the lying Experian, Equifax, Trans Union and NCO lawyers motion to dismiss.
These scumbag lawyers conspired to submit their OBVIOUS false statements to the federal court to obtain an unjust dismissal without any scruples—EXPECTING that judge Teilborg will rule in their favor.
THAT is how corrupt the American “justice” system is.
It is beyond repair and after many thousands of hours of unsuccessfully trying to prevail against the CRAs, my litigation now primarily serves to document that YOU should STOP paying your credit cards if you are close to judgment-proof.
Consider THAT when you make your next credit card payment.
Carefully assess your situation and consider your options. You might even want to buy a house before you default, but make SURE you can afford the mortgage payments and that you get a good loan.
Also, I haven’t posted about the Common Good Bank in a long time and they are still working hard to raise the $1.5 million start-up capital:
Community Division Organizer - Common Good Banks
These days, a million and a half is NOTHING. Instead of funding COMMUNITY banks, Obama decided to throw many billions (FYI, one billion is 1000 millions) at banks like Chase, Wells Fargo and Citi. They specialize in defrauding Americans, but that apparently doesn’t bother Obama or any legislator.
If you don’t know what I’m talking about, please read my posts over the last week and the bank and FNMA foreclosure fraud documentaries linked at Dealing with Foreclosure.
For those of you who followed the Well Fargo foreclosure fraud documentary back in 2002, Lynette wrote a few days ago. The good news is that she’s still alive.
