May
08

Consumer Scam Review: Lower Your Interest Rate, Lower Your Credit Card Balances, and Work at Home

I have been meaning to write on several consumer scams so here are a few to avoid.

“We Can Lower Your Home Loan Interest Rate” Scams. 

We’ve all gotten the calls at home. “We can lower your interest rate.” “The banks got their bail-out, now get yours.” But imagine what it feels like if you really need that kind of help. The false hope these scams create is criminal. One of my coworkers has been going through a Chapter 13 in which her mortgage payments are really high. She got this card in the mail asking her to call 800-936-4400 and saying that they could lower her mortgage payment (currently over $1,300) to $611.01. She was very hopeful.  She called the numbers, which directed her to RMA Legal Network in Holbrook, New York, and RMA turned out to stand for Michael Alarcon. She spoke with a Bruce Thomas, a case consultant manager, who asked her for tons of very personal information. She then hung up and did a google search, which turned up a great deal of negative information on this company, including that they want $1,400 up front to even start to do a deal for you.  Red flag!

“We Can Reduce Your Credit Card Balances”

Forget it, it doesn’t work. If I’m wrong, tell me how and where you can get this help legitimately. If you have the time, follow the directions they leave on your phone and report back here.

Work at Home Scams

A third cousin got involved with one of these, and when I say scam, I mean Scam. Again, selling

false hope is big business, but here the Zaken Corporation sold nothing at all.  My cousin called 1-800-840-1060 and ordered the Zaken Corporations 90-day Risk free trial work at home kit plus special mystery gift. He was told he could not use a money order but would need to use a pre-paid card, which he got from Green Dot. This will be the subject of another blog. He order this kit on February 1 and as of May 8, he has received nothing.  I have spent two afternoons on the phone trying to get his $104 back, talking to real people who somehow managed to get away and not come back to the phone. They all said they’d return my call but no one even has. This would be funny if it wasn’t so sad and sickening. Zaken now claims that they have never heard of him. It is interesting because it looks like they are a real companyand that most people get their kits, though few make money from them.  Before you pay anything for a work at home kit, check out the company very extensively on the Internet.  There were lots of red flags there for Zaken, if only he'd have checked.
May
01

White Powder in Envelopes Mailed to Wells Fargo in NYC – Idiots happy it’s not toxic

Well, here we go.  In our race to the bottom… our attempt to see how far we can push it before we break something… our desire to see chaos American style… ABC News reported yesterday that at least seven locations in Manhattan, “primarily Wells Fargo Banks,” according to the story, received envelopes in the mail containing  “suspicious white powder,” police officials said.

 

Well, thank heaven it wasn’t the non-suspicious form of white powder… you know, the kind we’re all used to getting in our mail every day.

 

The message that arrived in the envelopes read as follows:

 

“This is a reminder that you are not in control.  Just in case you needed a little incentive to stop working we have a little surprise for you.  Think fast you have seconds.”

 

AP reported that the powder in the envelopes caused evacuations at bank branches, but no injuries, as if that last part mattered in the least.  Idiots appear to be happy that the powder was found to be cornstarch… as opposed to Anthrax, I suppose.

 

Gee, now that’s certainly a relief.  Whew, I guess we dodged a bullet there, didn’t we?

 

 

Manhattan police, about ready to round up the usual suspects and get a rope, initially suggested based on absolutely nothing that the envelopes could have been mailed by “militants from within the Occupy Wall Street movement.”

 

Luckily, a spokesperson for Occupy Wall Street denied any connection to the mailings… and that seemed to accomplish what exactly?  I guess the NYPD said, “Oh, okay… sorry about accusing you guys of potentially mailing Anthrax to banks in Manhattan?  Our bad.”

 

The police say they thought that Wells Fargo was the target of the mailings because it’s based in San Francisco, and what they described as “about half of a key dozen Occupy Wall Street members have backgrounds in Oakland, San Francisco and Berkeley… and SIMILAR INCIDENTS OCCURRED IN CALIFORNIA EARLIER THIS WEEK, police sources said.”

 

“A key dozen Occupy Wall Street members?”  So, now there are probably a few hundred who are convinced that phrase was referring to them… perfect.  And what exactly was similar about the incidents that occurred in California that no one seems to have heard anything about until now?  Was it the cornstarch… the mailings… the scary message inside?  How similar were these events exactly and why were they mentioned before now?

 

Another theory I just made up is that Wells Fargo was targeted because it’s stage coach logo is reminiscent of the old West, when Native Americans were the victims of genocide, so the FBI is said to be investigating Indian casinos in several states.

 

What?  My theory makes every bit as much sense as theirs does.

 

Others on the list of potential suspects include any number of the 8 million Americans whose lives have been destroyed by the foreclosure crisis, or any of the hundred million or so that are beyond pissed over bailing out banks with trillions while leaving the country’s working class to die on the proverbial vine.

 

Or the commies, it could always be the commies.  And let’s not forget the Jews, al-Qaeda, ex-military wackos, or a prankish band of Ivy League college students, saddled by student loans and out to have some fun.  Or foreigners, don’t forget foreigners.

 

In other words, police had no idea whatsoever who sent the mailings.

 

Embarrassingly, ABC reported that the Manhattan mailings, “mainly appear to have reached low-level workers.”  And New York police spokesman Deputy Commissioner Paul Browne incoherently blathered to ABC News:

 

“Apparently, the message was aimed at the mail room workers among the 99 percent.”

 

The police are saying that the mailings were intended for May Day delivery, but arrived a day early.  One official, according to ABC News, inexplicably said…

 

”They underestimated the efficiency of the U.S. Postal Service.”

 

Ha!  So, the joke’s really on them after all, right?  Didn’t think the USPS could foil your plans with their efficient inner city delivery, now did you?  Ha!  So there.

 

 

I’m reporting, however, that regardless of who the mailings appear to have reached, senior executive seat cushions at Wells Fargo and other banks are all being replaced today after being soiled as the news of the mailings and their enclosed powdery substance spread through the executive ranks.

 

I’m also reporting that I have instructed my wife and daughter not to go inside the bank for any reason, and instead only use the ATM after hours.  And I’m not kidding about that in the least.

 

No one should be the least bit surprised that this is happening, and it’s nothing to take lightly or brush off as nothing to be worried about… it’s scary as all hell because it’s a certainty, in my opinion, that it’s only a matter of time before people are killed in one way or the other as a result of what this country has allowed to happen to untold millions.

 

“This is a reminder that you are not in control.  Just in case you needed a little incentive to stop working we have a little surprise for you.  Think fast you have seconds.”

 

There’s a word for that sort of message, it’s “terrorism.”  And it can strike without warning and claim the lives of thousands… and there’s no way to stop it, and no one who cares about being punished for it after the fact.

 

The Oklahoma City bombing, April 19, 1995, claimed 168 lives, including 19 children under the age of 6 years old.  More than 680 were injured.  The bomb destroyed or damaged 324 buildings in a 16-block radius, destroyed or burned 86 cars, and shattered glass in 258 buildings nearby.

 

 

Timothy McVeigh believed that the bombing had a positive impact on government policy.  And what angered him then is nothing compared to the potential for rage that exists today.

 

During the 1930s, after the attack and attempted lynching of a judge (who was signing eviction orders) by 200 Iowa farmers who stormed into Judge Bradley’s courtroom in April 1933, the Governor of Iowa placed the state under martial law.

 

In Minnesota, similar degrees of civil unrest and the threat of violence led Chief Justice Hughes to declare a moratorium on foreclosures.

 

Expressing frank understanding that the nation’s economic catastrophe threatened political stability, Hughes remarked, “the policy of protecting contracts against impairment presupposes the maintenance of a government by virtue of which contractual relations are worthwhile.” 

 

Hughes found that the mortgage crisis in Minnesota justified the stay of “immediate and literal enforcement of contractual obligations” insofar as the emergency was real and no mere legislative subterfuge; the statute was designed for the benefit of society as a whole rather than particular individuals; and the legislation was temporary and no broader than necessary to accomplish its purpose.  Hughes also denied that the statute violated due process or equal protection.

 

A foreclosure moratorium is not what we need… it is a last resort.

 

What we need is a fairer and more compassionate process through which we can get through the foreclosure crisis.  The way in which foreclosures have been handled to-date has been wrong to the point of being barbaric, and we will continue to deny and ignore this truth at our peril.

 

Mandelman out.

Apr
19

Call for Papers – AALS 2013

The Creditors' and Debtors' Rights section of the Association of American Law Schools invites paper proposals for the January 2013 conference program.  The program theme is "The Great Deleveraging: Bankruptcy after the Crisis, Formal and Informal."  Complete information on the call for papers appears below the break.

Five years from the onset of the global financial crisis, households, companies, banks, cities and nations struggle to redress their balance sheets.  Some turn to the formal bankruptcy system, while others restructure or cope with debt in other fora.  Is bankruptcy working?  Could it be improved to address the debt crises? What alternatives are being used and why? How will bankruptcy reforms and other legal responses (e.g. Dodd-Frank’s orderly liquidation) affect future credit, and future crises?

            Law teachers and other scholars who have an interest in speaking at this program are invited to submit a manuscript or precis on any aspect of the foregoing theme. Junior faculty members are particularly encouraged to submit. A review committee consisting of Section officers will select one or more papers or proposals and will invite the author(s) of each selected submission to make a presentation at the program session.  Senior bankruptcy scholars will be invited to read and comment on the selected papers. We are expecting a member of the editorial board of the American Bankruptcy Law Journal to attend, and we encourage participants to submit papers to ABLJ, one of the top twenty refereed law journals.  A precis should be comprehensive enough to allow the review committee to evaluate the likely content and quality of the proposed paper; however, complete drafts will receive preference in the selection process. Please send submissions to the Program Chair—Alan White, CUNY School of Law, alan.white@mail.law.cuny.edu.  Submissions are due no later than August 1, 2012. Please forward this Call for Papers to anyone who might be interested.

Mar
27

Feelgood video of the day: “Fiona’s rescue”

"People are walking by, seeing dogs like this and doing nothing."


To cleanse the palate, this isn’t mega-viral yet but it’s getting there. Watch it now, because in a few days your mom’s going to e-mail you with the link and a note about how she hasn’t cried this hard since “The Way We Were.” Just look at that little dog shivering in the trash. Shattering.

View the video »

Dec
16

Congressmen can’t say “Merry Christmas” in mail

But "Happy Holidays" OK.


What next? The folks in charge of franking congressional mail refuse to allow our elected representatives to wish us a merry Christmas. Lest you vainly hope, as I did at first, that this is a noble attempt to demonstrate fiscal restraint, let me disabuse you of that idea. At first glance, the rules appear merely [...]

Read this post »

Dec
07

If Your See This in Your Mailbox, Don’t Throw It Away

The OCC’s Independent Foreclosure Review program has started sending out the program’s Review Forms, which are required to begin the process.  A reader  sent me this photo of what the form looks like when it comes in the mail, so now you’ll know what the envelope looks like… so, be careful not to throw it away.

Mandelman out.

Sep
01

More Judicial Corruption | Final Judgment of Foreclosure – Without Notice or Hearing – Take Two

Final Judgment of Foreclosure – Without Notice or Hearing – Take Two For the second time in my years as a foreclosure defense attorney, I opened the mail to find a Florida judge had signed a Final Judgment of Foreclosure, ex parte, without notice and without hearing. The first time this happened, I blogged about it, here.  … Read more
Aug
10

MATT WEIDNER | MAJOR ANNOUNCEMENT! THIS IS YOUR CHANCE TO BE PART THE REVOLUTION!

PLEASE TAKE JUST A MOMENT TO PRINT OUT THE PAGE BELOW  CLICK HERE! SIGN THIS PETITION! THEN MAIL IMMEDIATELY TO: MATTHEW WEIDNER 329 4TH AVENUE SOUTH ST. PETERSBURG FL 33701 This YOUR chance to be part of the MOST EXCITING REVOLUTION to sweep Florida politics in a generation.  This opportunity to make your voice heard … Read more
Apr
12

OUTRAGE! Of The Day- Forced Place (Insurance)

The banks are jacking Americans every single chance they get.  There really is no holding them back. No self-imposed restraint and not a single elected or government official that is standing up to protect consumers.  At some point in time, the cumulative effect of all the abuses will build up and Americans will finally rise up against the tyranny….until then the American people will continue to take gut punches at every single corner….And this story comes from American Banker Magazine…..read on:

The first time Luis Juarez heard of force-placed insurance was when he received a $25,000 bill for it in the mail.

A Florida doctor and homeowner, Juarez had been dropped by his previous insurer over a roofing issue. Though that lapse violated his obligation under the mortgage to maintain coverage on the property, he was current on his loan payments and heard nothing from the servicer Wells Fargo & Co. for more than a year.

Then on May 10, 2010, Juarez got a note from QBE Specialty Insurance, a partner of Wells. It said that QBE was retroactively charging him $25,000 for a policy that had expired two months earlier, according to court filings.

Neither the price tag — nearly quadruple his original policy’s rate, according to court papers — nor the expired status of the QBE policy were a mistake.

American Banker

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Mar
12

The “Newest” Fraudclosure Scandal- Service of Process Fraud….

fire-dog-lake-foreclosuresThe allegations and the evidence is not new, it’s like a mushroom cloud that will keep growing as more and more people understand their rights and take note of the fact that their rights have been violated.  Every defendant in a foreclosure case is entitled to have the lawsuit personally handed to them, but in far too many cases, defendants are not actually receiving the lawsuits.  Sometimes they are left on the doorstep, sometimes they receive it in the mail and in some cases, they do not receive it at all.

Title insurance companies and lenders need to be particularly concerned about these allegations because judgments based upon fraudulent service of process ARE VOID FOREVER!  That’s right, there is no statue of limitations.  There is no time limit to bring the challenge to the judgment and to invalidate the title founded upon that judgment.

Read More on Firedog Lake

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Nov
12

AMERICANS HAVE GROWN SOFT- WE COULD LEARN ABOUT PROTEST FROM THE GERMANS

“We have lost faith in the government until they prove that their politics is for the people and not for the corporations.”

She talked about the “anger” among people at the “arrogance of the political class.”

SCREW THE BANKS- MAIL KEYS, NOT PAYMENTS

Like the Roman legions vanquished in the Teutoburger Wald in Lower Saxony in 9 AD, the 17,000 police officers that marched into the woods around the nuclear storage facility in Gorleben in northern Germany on Sunday morning looked invincible. Police personnel from France, Croatia and Poland had joined in the biggest security operation ever mounted against protestors against the a train carrying nuclear waste to a depot in an isolated part of Lower Saxony’s countryside. Helicopters, water canons and police vehicles, including an armoured surveillance truck, accompanied an endless column of anti-riot police mounted on horses and also marching down the railway tracks into the dense woods. Tens of thousands of anti riot police clattered along the tracks, their helmets and visors gleaming in the morning sun, and wearing body armour, leg guards and carrying batons.german-protest

But by Sunday night, those same police officers were begging the protestors for a respite.

Trapped in black, icy woods without supplies or reinforcements able to reach them because of blockades by a mobile fleet of farmer’s tractors, the exhausted and hungry police officers requested negotiations with the protestors. A water cannon truck was blocked by tractors, and yet the police still had to clear 5000 people lying on the railway track at Harlingen in pitch darkness. The largest ever police operation had descended into chaos and confusion in the autumn woods of Lower Saxony, defeated by the courage and determination of peaceful protestors who marched for miles through woods to find places to lie down on the tracks and to scoop out gravel to delay the progress of the “the train from hell.”

The police union head Reiner Wendt gave vent to the general frustration when he issued a press statement via the DPA news agency last night saying the police had reached exhaustion point and needed a break. Behind the scenes, a battle seemed to be raging between the police chiefs, tucked up in their warm headquarters urging more action, and the exhausted officers on the ground.

The police on the ground won out. The Castor train – called a “Chernobyl on wheels” because it has been carrying 133 tonnes of highly radioactive waste to an unsafe depot – was stopped in the middle of the countryside and Nato barbed wire was placed around it. Lit by floodlights and guarded by a handful of police, the most dangerous train on the planet was forced to a halt after a 63 hour journey across France and Germany.

The defeat of the legions at Teutoburg marked the end of the attempt by the Roman empire to conquer Germania magna. And the failure of the biggest ever police operation two thousand years later in the woods of Lower Saxony to tame women, elderly people and school children protesting the government’s nuclear policy, could well also go down as a turning point.

The Berlin government can no longer rely on the discredited mainstream media to control the way people see issues. Too many people recognise it to be a tool of propaganda. The government now needs to resort to brute force to bludgeon through decisions that enrich corporations and banks and impoverish everyone else. But the police forces at its disposal are simply not sufficient given the scale of the protests now gripping Germany. Only 1,500 police reinforcements could be mustered on Morning from the entire territory to deal with road blockades by thousands of protestors aiming to delay the transport of the nuclear waste on the final leg of its journey.

The police officers were exhausted after shifts of 24 hours or more, often without any food or just a cappucino and snack bar, and they had nothing to look forward to but more of the same drudgery after a night spent four to a room in a Youth Hostel.

http://newsticker.sueddeutsche.de/list/id/1065325

A leading figure in a German police police union Bernard Witthaut today even lashed out at the government for trying to drive through unpopular policies using the police.

“Whether in Stuttgart or in Wendland today my colleagues are simply not getting out of their anti riot gear because of the wrong decisions by the government,” he said.

Many police officers also expressed sympathy with the protestors’ aims.

The question now is: how long can the use of police to bludgeon protestors continue when the protests are reaching this scale? How long can Germany be governed by a semi authoritarian regime using brute force when the force at its disposal is so small? The German army cannot be deployed on this kind of mission without sparking even more outrage. A false flag terrorist operation will hardly wash when the people are so fed up with the government lies and the media lies. EU soldiers will find it hard to deal with the Germans. The German and EU secret police cannot infiltrate all of the protestor’s organizations when there are simply so many.

The German people as a whole are on the march.

“Citizens in rebellion,” shouted a TAZ headline.

“Civil war in Wendtand,” fumed Bild.

NGO chief Kersin Rudek spoke for many when she said:

“We have lost faith in the government until they prove that their politics is for the people and not for the corporations.”

She talked about the “anger” among people at the “arrogance of the political class.”

As in the Stuttgart 21 railway protests, it was people from all walks of life, a genuine grass roots movement, that arrived in Wendland to protest the decision by the CDU/CSU/FDP government to ignore a legally binding deadline to phase out nuclear power. Against the wishes of the majority, Bilderberg Chancellor Angela Merkel announced this autumn that 17 reactors would continue for another 12 years at gigantic cost to the tax payer in subsidies.

The tax payers of Lower Saxony even have to foot the bill of 50 million euro for the police operation to protect the nuclear waste – and not the electricity companies making a fortune from the extravagant energy source [which is associated with France's WMD program] while the government keeps investments in ground-breaking new renewable energy technologies such as the third generation solar cells at a negligible amount.

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Aug
11

TESTIMONIALS ON OUR SECURITIZATION COMMENTARY

Great job!  Thank you so much for this commentary.  It will be an excellent tool for us  at the preliminary hearing on August 27, 2010.  An evidentiary hearing may be coming in the immediate future.  Deutsche Bank introduced a fake “original note” during an eleventh hour deposition of one Cynthia Stevens.  She had verified all the Original Documents used to foreclosure on our property.
When pressed for an answer by my attorney, Dan McGookey, she had to admit that she never saw the “original note” until a few minutes before her deposition.   When my wife Terry and I were deposed, we asked to see the “original note and mortgage”.  We were told that they were coming in the mail.
During our depositions, my wife and I hammered Deutsche Bank about the mortgage being a securities transaction and the opposing attorney – one Rose Marie L. Fiore of McGlinchey Stafford – became so angry that she threatened us both with contempt as she did not like our answers.  Our attorney said that he wanted to call the judge if she did not stop badgering us.  Both of our depositions were stopped at one point and we were told to leave the conference room.   We sat in a small lunch room about five doors down from the arguing attorneys.  They were screaming at each other so loud that we could hear every word.
We knew then that it was “a good day at the office” for us.  We shall keep you posted as Deutsche Bank has to explain to the court why they are refusing to answer any of our discovery.


Filed under: foreclosure
Jul
29

Testimonials About the Regal 2, Electronic Cigarette

I’m sure some that read what I wrote about the Regal 2, the new electronic cigarette that I fell in love with, have wondered what others, besides me, would think about the product.  Well, here’s what a couple of my new Regal 2 users (and distributors) had to say in emails to me about a week ago, right after they received their Regal 2s in the mail.  And in case you missed my original article about this new product, click here: We Interrupt this Meltdown for a Brief Commercial Message.

Dear Mr. Mandelman –

I purchased the inLife last week because I trust you – you make me laugh and you shoot from the hip.  Although I got it on Thursday, I hesitated until Saturday to open the box, and after reading the instructions, found I had to wait 8 hours till the battery was charged.

Finally, at 5:15 last night, I took my first puff – it was amazing – a 3 pack a day chain smoker, a writer like you – I smoked 3 real cigarettes last night, instead of probably half a pack – today I have smoked a pack, but sitting on my butt I would have probably smoked three packs by this time tonight – it takes a little getting used to, but it does satisfy the psychological need of having it in your hand.  I grab for it now without thinking, and have even tried to tap the ashes off a few times. :)

Thanks for introducing us to inLife – It’s a wonderful product!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Ken Baumgardt

Newark, Delaware

~~~~~~

Hey Mandelman!

I just got my Regal 2 today.  I know you’re busy, you probably get a thousand emails a day, but I had to tell you… it’s exactly what you said… I love it.  I live in Vegas and I’m already building a business around it.  A casino manager asked me about buying 3,000 of them!  Everyone who sees it is excited too.

I’m glad you wrote about it because I would never have found it on my own… I didn’t even know electronic cigarettes existed before.  I’ve been involved in multi-level marketing before, but this is the best product for that type of marketing I’ve seen.

Thanks you so much for my Regal 2, and for your articles.  And post this on your site if you want.  I could always use the extra promotion… LOL.

Asia McKenzie

Las Vegas, Nevada

So, I’m pleased to be able to announce and recommend Ken as a distributor of the Regal 2 in Delaware, and Asia as a Regal 2 distributor in Las Vegas.  If you’re anywhere near Delaware, or Vegas, and you want to know more about the Regal 2, either as a product or as an income opportunity, you should absolutely contact Ken or Asia as shown below.

Kenneth Baumgardt, Delaware

Ph. 302-319-1509

http://www.kendigger.myinlife.com

Asia McKenzie, Las Vegas, NV

Ph. 888-652-6660

http://www.asia888.myinlife.com

~~~~~~

Did you check out the Regal 2 featured on the hit reality television show, The Deadliest Catch?  Click here to see the video: After the Catch Starring the Regal 2.

And, as always, if you want to talk to me about the Regal 2, email me at: mandelman@mac.com

Aug
05

The FDIC Is in Trouble

“In this mornings mail bag we have this article by Bud Conrad, Editor, The Casey Report which makes interesting, if not frightening reading”

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