Author Archives: Marlena Jareaux

SSDI: Half Would Be Outraged, Half Would Apply For Benefits

The headlines are everywhere: the SSDI (Social Security Disability Insurance) fund is set to run out in late 2016 if something isn’t done to replenish it.  It’s not that most people don’t see the need for it, but with the fraud, waste and abuse that plagues the Social Security system, people don’t want it to be reauthorized without some reforms put into place to help curb the fraud, waste and abuse.  According to THIS NBC News article, changes made in 1995 opened the door to get benefits for certain disorders.  The number of “Musculoskeletal conditions and mental health disorders” claims has exploded. What happens when a backlog happens in a system where performance is judged by quantity instead of quality?

Corners are cut.

And what typically can be found in places where corners are cut?

Fraud, lies, greed, and theft.

When you first make a disability claim, you can expect that it will likely get denied.  There’s no shortage of internet sites that tell you this and all about the process.  A Residual Functional Capacity (RFC) is compiled with input from the Disability Determination Services (DDS) agency and information documented from your doctor.  The goal for someone who really doesn’t want to work apparently is to get an RFC that says you aren’t even capable of doing “sedentary work”. What is that?  It means you can’t lift more than 10 pounds at a time, mostly sit with occasionally walking and standing. The disability examiner determines, given your skills, age and abilities, if you can be taught another job.  If you are making a claim for physical disabilities, it’s completed by a physician.  If it’s for mental ones, a psychologist or psychiatrist will reference your mental symptoms that affect your ability to work. Site after site recommends you have an attorney to help you navigate through the denials you are likely to get.  And when you do, here’s what they won’t tell you, but should: if you aren’t supposed to be working, then DON’T.  Also, if you’re caught pretending, faking or malingering, you can go to prison.

Attorneys know, hear about, or learn which judges tend to do what.  You can even find the claim approval statistics BY JUDGE for the Administrative Law Judges on the internet! HERE it is for Maryland. The danger comes when an attorney, more focused on winning at all costs for his/her client, helps the client to bend and fudge the facts instead of protecting the very system they may one-day need from abuse.

A report was released by the Committee on Oversight and Government Reform, available by clicking HERE, that is sub-titled “How Rubber-Stamping Disability Judges Cost Hundreds of Billions of Taxpayer Dollars”.  As a result of the rampant fraud and abuse of the SSA benefits system, investigations are on the rise.  And when a person, determined to lie to get benefits, hires a lawyer who colludes with your lies, the clock starts ticking.  See THIS story about the scheme by Judge David B. Daugherty and attorney Eric Conn (appropriate last name) to defraud the SSDI system by fast-tracking claims through the administrative hearing process for people who very likely didn’t deserve benefits at all.  How do you get the medical data to support it?  Easy!  Use doctors recommended by your lawyer who “you could get them to do what you want”.

I found and watched the 60 Minutes story on the disability fraud, and you can too by clicking HERE. The Vice President of the Association of Administrative Law Judges, Marilyn Zahm, said “if the American public knew what was going on in our system, half would be outraged and the other half would apply for benefits.”  I know which half I am, and I know a few people who have shamelessly and shamefully applied for benefits.  Read the comments on the video site.  Others apparently know of them too.

We Would All Hide Assets And Ride Off Into the Sunset of Retirement

That’s what the U.S. Attorney said to the jury for the trial in Federal court of a woman charged with committing Social Security and Bankruptcy fraud. What follows is a writeup of a woman who was caught doing the very things that I’ve seen happen in a bankruptcy case that I am involved in. I have been wondering what the possible penalties are for people who actually get caught and charged, and the story of Sheryl Bruner provides some guidance.

Poor Bruner. An upstanding woman who was receiving disability pay and trying to be a good citizen, but whom was overwhelmed with her bills and debts. She filed for bankruptcy protection to try to get that “Fresh Start” that all Americans are entitled to seek. Only, Bruner wasn’t the poor soul that she painted herself to be in her bankruptcy petition.

I’ll let you read the linked story found on Fraud of the Day’s website, found HERE, to read Larry’s take on the story. She was running companies, lying on her Social Security recertification statements about her activities, and concealing assets such as a TD Ameritrade account; a stash of money in her house; bank accounts not on schedules, assets not disclosed, etc. Ah, so people DO get charged with bankruptcy fraud for doing those things! When I read about her car, paid for in cash, I almost thought I was experiencing dejavu! When I read that she thought she didn’t have to disclose things about her assets and activities that were involved with her LLC, I knew it was dejavu.

Gotta love when someone tries to throw their attorney under the bus by saying that they did something or filed something that they weren’t aware of (which is malpractice). Gotta love even more the prosecuting attorney who plays an audio tape of the debtor’s statement in their meeting of creditors that confirms what all debtors are asked: did you see, read and sign your petition? YES, she did. And no Sheryl, it doesn’t work to try to allege that your lawyers were shady if you didn’t complain to what is known here in Maryland as the Attorney Grievance Commission. Her lawyer, who tried to “defend” his client by essentially defaming her bankruptcy counsel, said that he was doing so because of his obligation to his client. The U.S. District Judge that heard the case was not convinced, reporting that she was going to investigate the matter and hold the defense attorney accountable for his actions.

Apparently, Ms. Bruner thought she could try to hide behind the fabricated actions of someone else in order to try to cast doubt regarding what were HER fraudulent actions. Pay attention: it is the debtor’s responsibility to ensure that the information contained on the bankruptcy petition is correct prior to the attorney uploading it to the Federal docket. The attorney only knows what their client tells them, which is why they are supposed to get the statements from the client that shows the truth. If a client decides to withhold info from their lawyer, then it is the CLIENT who is committing fraud. Doesn’t matter if you amend your schedules later to add things because you found out that questions were being asked. That’s called Trying to Feign Compliance After Your Crime. The jury didn’t buy it, and it took about two hours for them to convict her. You can read HERE for another perspective about this story.

The U.S. Attorney said that the woman “never misses an opportunity to game the system”. Unfortunate that she had to put her retirement and freedom at risk by being so greedy. More unfortunate that she, like others, think they can continue to use that same system to try to get them out of the trouble resulting from that gaming/fraud. Larry wrote “Compulsive lying got this fraudster into a heap of trouble that will most certainly give her plenty of time behind bars to work on breaking her bad habit.” In my experience with someone with similar tendencies, some habits can’t be broken. Especially if the person has no remorse, and believes that they only thing “wrong” is that they got caught.

For those that asked for information regarding the fraud charges Bruner faced, here is the indictment:

Download (PDF, 298KB)

And here is more about her seized money, and what she tried to do with it:

Download (PDF, 223KB)


You can find more about her various filings in her defense of the charges by doing an internet search. You will see them all.

It is STILL the case that…

We can all help one another stop bankruptcy fraud

Maryland Insurance Fraud Raises Rates

Insurance is mandatory for a homeowner to have on a house that has a mortgage. You won’t be able to go to settlement without having an insurance policy (if you have a lender), and if you lose the coverage, it will be placed forcibly by the mortgage company. Every homeowner’s policy is priced in accordance with where the house is located, what is in the house, what materials it is made of, and who the homeowner is. In addition, your premium depends on the overall cost of doing business for the insurance company.

It is therefore in the best interests of the homeowners to be vigilant in their claims process, since it ultimately will affect them financially in the long run. I would also say that it is in the best interests of the insurance companies to be equally vigilant. They seem to agree. Insurance fraud is estimated to be increasing household insurance premiums by an average of $1000 per year.

In the state of Maryland, the Maryland Insurance Administration is, according to its’ website, an “independent state agency that regulates Maryland’s insurance industry and protects consumers by enforcing insurance laws.” One of their responsibilities is to “Investigate acts of insurance fraud”. So what is insurance fraud? It happens when someone files a false claim for damages, or does something to deceive an insurance company in order to profit financially. I should know. I am indirectly involved in something that looks like fraud to me.

I was notified about an alleged fire that happened at one of the houses I co-own. Except I wasn’t told about it until I was asked to sign the insurance payout check. Supposedly, a fire happened next door, causing electrical damage to our property. Supposedly, a guy was paid to put new electrical wiring into the damaged house, and fix the walls he was going to have to tear out in order to do so. The receipt I was provided to substantiate the claim differed from the other two versions that had been provided to other parties (one being the insurance company themselves). They had been obviously altered with whiteout by someone. This was just the start of trouble.

I couldn’t quite figure out how a claim was paid on a policy that bore two names, with only one person’s signature approving the claim. The Maryland Fair Plan, which is the insurance company, said (when I pressed the issue) that they actually only needed ONE signature in order to process the claim. Okay, if you say so, though it sounds wrong. But then there was the matter of HOW and WHY did the insurance company leave off the name of our mortgagee from the insurance check? When there is a lien on your car, or a mortgage on your home, the insurance claim check is made out to ALL parties who have an interest in the property. Meaning, your car loan or house note company is going to be on the check. Yet, it wasn’t done in this situation. Hmmm.

What was the most troubling part is when I found out that the electrical work hadn’t actually been done in the kitchen of the house (majority of fire damage), which caused the house to fail its’ inspection with the Housing Choice Voucher folks in Baltimore, which triggered the tenant to be issued a voucher to move (which she did). Clearly, the electrical work that the insurance company thought was done, hadn’t actually been done. Yet, a claim worth almost $4000 had been paid out as if it had been done.

When I tried to inform the insurance company that I was uncomfortable with the circumstances regarding the alleged fire, alleged damages, alleged electrical work, my missing signature, and the mortgage company’s missing name, they acted as if they didn’t understand why I had a problem with any of it. Almost like those sorts of things are routine for them.

“..deceive an insurance company in order to make money”, that’s what the site says. When it looks like fraud, reads like fraud, it likely IS fraud. If that was routine for insurance companies, Why? Do they have any responsibility? They do, if they won’t even take their own policyholders seriously, who are telling them that something is not right. Maybe it needs to be like the story below to get their attention. In the meantime, it got my attention, since my insurance premiums have been raised as a result of the greed of another. See HERE.

You’ll notice in the story, these words: “in good faith — accepted Levonian’s word.” Perhaps that was the largest part of the problem, as this site continues to point out.

For you, Maryland Joint Insurance:


A Fraudster’s Deposition Can Be Useful

The story of John Beale who worked as a high-ranking official at the EPA while lying for years about being a CIA agent, has been written about extensively.  You can see one story on it by clicking HERE.  He referred to his tendency of lying as “something like an addiction”.  He was able to fraudulently get $900,000 and other benefits from our government while working for it.  Mr. Beale was deposed by the Committee on Oversight and Government Reform in December of 2013.  There is a lot that you can learn about fraud by reading the transcript of the fraudster’s deposition.  Here are some of the highlights from that 263 page deposition:


After a quick check-in to ensure that Mr. Beale understood that knowingly providing false testimony could subject him to criminal prosecution (PG 10), he went on to confirm that he had been able to take advantage of flaws in management at the EPA (PG 41).


He reported that people didn’t ask him to provide verification because they blindly trusted him.


He went on to say that “ think you know them and you think you can trust them..” (PG 42)


It was refreshing to see him honestly report that he “..abused that trust and.. betrayed that trust..”.


Paperwork that would have verified information given/reported wasn’t demanded by the immediate supervisor who in fact was Beale’s buddy.  (nice to have friends at work who will cover for you)


He profited from that lie, at the expense of the Federal government and taxpayers.

He self-surrendered, which undoubtedly led to him being sentenced with the time that he did (32 months), as opposed to what could have happened had they had to chase him down and unravel false statements and doctored documents attempting to provide false alibis. His liquidation of his assets in order to immediately repay the government a substantial amount of his fraudulently received money, helped him also in the end.  He also liquidated all of his retirement funds, including his Thrift Savings Plan and mutual fund accounts.


He also received handicapped parking based on his fraudulent claim of being a Vietnam veteran with malaria.  He DIDN’T have malaria, and he didn’t even serve in Vietnam.  That lie of his cost the EPA (and the taxpayers) about $8000 per year.  They also found that he had abused his travel vouchers (remember, where there is smoke, there is fire).


His deposition is definitely a good read.  The Oversight folks got a lot of material to work with as they try to unravel the puzzle of who did what and who knew what.  Weeds need a fertile environment in order to grow, so you have to learn what makes the environment fertile if you want to kill them.  He did the best thing he could when he said the following:  “You see a pattern here of me lying to and deceiving people who trusted me, and in hindsight, I can’t see a good purpose other than, you  know, manipulating them.” (PG 150)  That was the TRUTH.


The whole deposition can be found by clicking HERE


half truth

Where There Is Smoke There Is Fire

The military depends on the honesty and integrity of its’ servicemembers, and as it has been written on this site, it is expected.  “I tried to correct my fraud, so I’m innocent of it.” This was essentially the claim of William Morronne, Jr. thanks to his attorneys, and what follows is a troubling story for several reasons.  Apparently, the guy was originally in the Army over 20 years ago as HIMSELF, but got kicked out dishonorably.  Deciding that he should be in the Army regardless of being dishonorably discharged, he took the birth certificate and credentials of his brother and used them in order to enlist in the Army under his brother’s name.  And there he stayed, for 25 years, jumping out of airplanes, getting paid, getting married, buying cars, getting hurt, etc.  I can’t tell from the story what it was that ended up getting this guy caught.  Was it the IRS letters sent to the brother’s name asking him why he didn’t declare the income on his taxes, or was it triggered by him perhaps filing for disability pay for the bad back and PTSD he claims he got as a result of serving (that would be made payable to, who, his brother)?  One has to wonder if the PTSD is real, since so much else wasn’t?

This is a wild story, for sure.  I mean, I don’t think I’d take kindly to learning that someone took my identity and decided to profit financially from it by getting money from the Federal government that technically didn’t belong to either of us.  The REAL Gerald (that is William’s fake identity of his real brother) had his name and social security number used by his brother in order to get what he felt was being withheld from him from the service, I guess. William apparently did this (false statements and fraud) because he couldn’t get back into the Army by any other means.  I’m not sure where this comes from, that gross sense of entitlement that seems to be making it to the headlines more and more (check out yesterday’s Washington Post front pager on the epidemic of “military brass, behaving badly”  and generally thinking that they are above the rules and laws.  I guess some people need to be burned before they realize that hot stoves shouldn’t be touched.

William’s attorneys are an interesting bunch.  They asserted that their client was not guilty, because he TRIED to correct the situation but that the Army wouldn’t let him.  Wait!  Did they really try to use a defense of “I told the Army that I joined fraudulently using my brother’s name, and asked them to correct my fraud, but since they didn’t do it like I asked them, I shouldn’t be held accountable?”  Huh?  That was MY sentence written, not a quote from any story, but here is one that was written: ” Morrone’s lawyers contended that he tried several times through his career to get his identification corrected, but the Army never followed through.”  Never followed through?  THAT is the problem.  That an attorney would try to deflect the blame for the actions of their client onto another party, is appaling.  William valiantly tried to have the Army change his credentials over to his real ones to somehow make it right?  William, you were kicked out for what you did prior, which were YOUR actions.  There wasn’t supposed to be any “going back”.  Maybe the legal system would make things seem more like actual justice if they encouraged the same thing as written on the back of many parking tickets: you can “admit”, “deny”, or “admit with explanation”.  When people just flat out lie about things that are easily proveable, it clogs the system, fattens the pockets of unscrupulous attorneys (of which many judges used to be), and adds to the distrust that citizens have of it.

He also got caught committing BAH fraud for failing to disclose that his wife no longer lived with him (they divorced).  As soon as you no longer have the person residing with you, regardless of whether or not you ever divorce, you are supposed to notify command in writing of the change with the appropriate form. More HERE.  He is paying that back, according to the story.

Another writeup of the story can be found by clicking HERE.

admit no evil

Throwing Stones From Glass Houses

It’s all over the news: Virginia’s ex-Governor, Bob McDonnell and his wife Maureen have been indicted by the US Attorney’s office on multiple counts including failing to disclose gifts and loans as required by law.  This man, who was once thought to have a squeaky clean enough image that made him a name thrown around as a possible candidate for the 2016 Presidential election, is now having to come up with a defense for having made false statements and flat-out disobeying clear government rules.

As it often happens, people underestimate others.  As it also often happens, people don’t push the fast-forward button down long enough to do an assessment of what can possibly happen if they go down the path in which they have decided to travel.  So caught up in their immediate goal are they, that they often times don’t think of how the decisions they are making today can come right back and bite them in the rear tomorrow.  

I don’t think that Bob McDonnell thought that he had anything to worry about with his old chef, Mr. Schneider.  Apparently, Mr. Schneider, who was hired to be the chef at the Governor’s mansion, had his eyes and ears so open that he could have qualified as an NSA data collection source.  He wasn’t the stupid chef in the kitchen that people may have thought he was.  In fact, he was so observant of how people in the mansion were treating others, that he must have understood the concept that what you see someone doing, shows you what they are capable of doing.  You can read the recent story written about him HERE.  He took photos of things he saw and experienced, likely thinking that he may need them in case anyone started throwing stones at him.  A quote from the linked article has him saying, “If they ever come after me, I’m going to sing like a canary.”

He didn’t have to wait long for those stones, and oh what a melody he is singing.

Not music to the McDonnell’s ears, I can well imagine, but a nice tune for the US Attorney.  McDonnell wasn’t exactly being discreet about his illegal activities either.  A picture on Facebook of him holding a bottle of a supplement that his donor/friend (Star Scientific ex-exec Jonnie Williams, Sr) wanted him to help launch via the easy road to riches. (Note to self Bob, when your “friend” is trying to drag you along an unsavory path, you might want to reconsider the use of the word).  Then there’s the Rolex watch that his donor-buddy bought that Bob failed to report. (Another note Bob: if the chef is right and you really are happy with Prego, tell your wife to get you a Timex that you wouldn’t have had to disclose at all).  Finally, but not really since there is plenty more for you to read in the linked stories, is the daughter’s wedding food.  McDonnell, when asked, insisted that his daughter had handled everything about that now-famous wedding spread.  In fact, Daddy Warbucks (aka Jonnie Williams) forked over $15k for that wedding dinner.  The backpeddling began when a contract for the catering surfaced bearing the Governor’s signature and handwritten notes along the border.  Oh, and then there was the deposit check also signed by the Governor.  (Beep beep! That’s the sound of the bus that Bob tried to throw his daughter under.)

Bomp Bomp!  And that is the sound of the tractor trailer that the chef was driving.  People will ultimately think what they will about the folks on either side of this fiasco.  I suspect that neither party thought it would go as far as it has.  People who know MY story, know why this particular story resonates with me as it does.  There are, after all, many similarities.  How cute! Their real estate company was called MoBo (combination of their names). The moral I see in the story of the Governor and the chef is this: One should not throw stones when they live in glass houses.  You definitely shouldn’t throw them if you live in the Governor’s mansion and have a lot to lose.  Some have previously commented that my business partner had a great deal to lose by putting herself and her business and dealings “out there” in the way that she has in all sorts of public legal and government forums.  Glass house.  And she certainly threw a lot of stones from it.

I like the chef’s perspective.  I like how he protected himself, and I like how he (like me) has saved a little sumthin-sumthin in case he needs it for the future.  He said, “He plans on keeping it private—unless Virginia comes after him again.”  With a book in the future plans, perhaps he will get a Rolex of his own when all is said and done.  For now, it sounds like he is doing okay.  Bob and Maureen are another matter, as well as Ken Cuccinelli, the attorney who was willing to put himself in the middle of the mess that ultimately cast a disparaging light on who HE was.  The Virginia voters didn’t like it.  And by the way, Mo, not cool about the false statements to investigators about making payments on a loan or that you signed paperwork for one.  You didn’t know they can access your emails from years ago?  You win points for dressing your husband, and for that Rolex.  As the saying goes, he looks “casket sharp”. 

For you lawyers, the indictment can be found HERE



When Perpetrators Pretend to be Victims

Some of you have emailed asking for the next installment of the continuing saga. Here it is:

An investigator that I know told me recently that when solving crimes, he looks into the victim’s background for clues, looks into who would benefit from the crime that was committed, identifies who had the opportunity, and in cases of theft, looks at who had the knowledge that was needed in order to pull it off. He also told me that when people are nervous that they might be questioned about the opportunity aspect, they often times fabricate an alibi to support the notion that they were somewhere else. The same can be said when someone is trying to paint a picture that they were the victim. Weird right? Who would want to make themselves appear to be a victim?  And why?

In trying to make some sense out of events that have happened in my life over the past 2-3 years, I have consulted with various people from all sorts of professions. Victim playing and self-victimization is apparently a very real phenomenon, and I’ve included some reference links of it below for the readers. It got me thinking about some of the experiences that I have encountered that have had me scratching my head trying to decipher.

My ex, Gail R. Proctor, attempted to obtain a peace order against me. In response to threats that I felt I received, random and unexplained issues of security at my home, and after receiving information from Sprint that my personal cell phone account records had been stolen from an online account that wasn’t under my control (resulting in my having to change the provider and number), I felt it wise to try to get a peace order also. I suppose we both ultimately wanted PEACE. Though the one that I filed has been shielded from public view by Ms. Proctor’s petition (though always available to law enforcement along with all of my police reports about it), I purposefully have NOT petitioned for hers to be removed so that everyone can prominently see it. It is case number 0101SP082202012 and I believe it to be a symbol of victim-playing at its’ finest (now that I know what it is). She also responded to my peace order subsequently with a filing that contained specific references to my petition.

A few of the highlights: she stated that she believes the following statements that I made for my peace order were false:

*That I came home to find my garage door open and interior vulnerable (unless she was there, how would SHE know that I didn’t?)

*I told officers that I feared for my safety due to written documentation submitted by Proctor that she had a .25 caliber Beretta (yep, that’s right, that was done, I told police, and I feared for my safety)

*I told Proctor and her attorneys that I was cooperating with agencies in their investigations of her (again, yes it is true and there were 2 additional witnesses to it. Incidentally, just because one wasn’t aware in 2012 of any investigation doesn’t mean that one or two weren’t operating in the background).

*I supposedly used “dubious means” to contact Proctor’s friends, etc (actually, I’m being rather up-front about the whole thing. I don’t know how much clearer I could be with my intentions than I have been)

*The calls that Proctor references can supposedly be found on documents she has that “..were verified by Sprint’s subpoena compliance dept”. (that subpoena request is on file at the Court, and would show the very limited scope that phone calls for ONE SPECIFIC DAY were requested only. How exactly was information from other days made available to you and by whom? I know without a legal doubt that my online account WAS hacked into!)

Proctor mentions a tire on her SUV being slashed (sorry to hear that but flat tires happen, and apparently and conveniently just hours before our 2nd attempt of three to get her to do a Federal deposition). Now, why would the party who wants you to finally attend what a Federal Judge mandated, do something to impede your ability to do so? Sounds like self-victimization. Supposedly, a white car was driving down her one-way street and she was absolutely certain that it was me, she told the Judge. So certain, that she told that Judge that she ran out of her house and was chasing after this white car that was supposedly mine. When asked if she had a tag number, goose eggs (that means zero or no). Right behind the car, but not even a partial tag number? Interesting. Her statement also claims that I “..admitted to being on [her] street”. A simple check of the transcript will show anyone that no such admission was made by me to any Judge. Could it have been one of the white cars that is usually parked on her own street, according to Google Maps (info that I was patiently waiting to give to the Judge, but wasn’t asked because her case was dismissed). See, here are those cars.

Download (PDF, 452KB)

Next up, a troubling matter that needs mentioning on this site by me. An accusation has been made several times by Ms. Proctor that she believes that I illegally obtained records regarding her employment at Andrews Air Force base, instead of via the Form 180 mentioned in previous posts by my friends that Proctor herself was given in discovery by my legal counsel (I guess she didn’t take it seriously and thought it would yield nothing). In her old petition for a peace order, she wrote “Jareaux has lied to obtain any information that she thinks will destroy my character”. Didn’t need to lie to get anything that I’ve gotten, and the information regarding your own actions speaks for itself in regards to your “character”, Ms. Proctor. My counsel and I heard early this year that “civil and criminal penalties are forthcoming” (allegedly) by military officials. A quick call to the Pentagon dispelled that myth. Sometimes though, you have to think about things by putting yourself in the shoes and mind of who you are dealing with, like that investigator told me. Accordingly, I have learned to pay razor-sharp attention to documents that are given to me, and there it was, in plain sight (and shown below). Look at this document, and tell me what question comes to your mind.

Download (PDF, 58KB)

Are you wondering how a letter could have been received and utilized by Ms. Proctor that has her name and MY mailing address if she doesn’t live at my address? CORRECT! How is that possible? Who would have asked that a letter be sent to my house addressed to her? Her maybe? And if it was delivered, which is the implication, how did she get it if I wasn’t the one to give it to her? Well, perhaps some clues can be garnered from that same letter. Who signed it? Desirae Henderson. When? January 2013. Well, interestingly enough, Henderson’s division was contacted, and surprise surprise (or maybe not so much anymore)! She has been overseas ever since she was activated and assigned there by her command. She didn’t sign that document, though in August 2012 she signed the one that I have that has her signature (because she WAS there to sign it). I welcome anyone from the FBI or the military to ask me about this fact, along with other things on this website.

People may get mad when you find out the information that they hoped that you never would find. Those who would rather have everyone look at someone else, instead of at the information that they are trying to conceal that speaks volumes about them (and yes, their character), will attempt to flip the script and play the victim. (Boy that cried wolf, anyone?) Words are simply not sufficient anymore, and other evidence can usually trump lies. Thank goodness, there is a parked white car or two somewhere in the background of a picture, or an internet IP address noted in the logs of a hacked-into cell phone account, that tells the true story that is waiting for just the right opportunity in order to be told to the people that need to hear it. You only play your cards when you NEED to, and not until, and you ALWAYS hold onto your trump cards until you absolutely need to play them. I don’t need to make up a hand; I play the cards that I’m dealt! Thanks Dad, for that enduring lesson.

Oh, and an FYI: current images tell equally compelling stories. Cars on the street that belong to people (amazing what can be done with image enhancement) and photos showing mailboxes being wide open. It’s no wonder identity theft issues may be plaguing our antagonist.

Download (PDF, 143KB)

Download (PDF, 44KB)


The Importance of Passion and Persistence When Seeking Answers

There is a relatively well-known story of a woman, Barbara Bentley, who was married to the guy who went by the name Admiral John Perry. Barbara has written a book about her experience, called “A Dance With the Devil: A True Story of Marriage to a Psychopath”.

When things weren’t adding up about who her husband was claiming to be, and Barbara asked questions and poked around to find answers, he became very nasty towards her and ultimately tried to kill her. After he was detained, tried and convicted, she still lived in fear because she didn’t know if he had accomplices or insurance on her life. When he was released, he told people she knew that he was determined to cause her lots of trouble. There were other women who already feared him, one having been assaulted by him. During his attempted murder trial, he painted himself to be someone of failing health who was “taken advantage of by his younger wife”.  In her book, she says, “He was determined to drain me emotionally so he could profit financially”. He abused the legal system and used it to deliberately stall out things for as long as possible, much to the anger of Judges who encountered him. He just seemingly wasn’t happy unless things went HIS way. You can find some good info about her story, and a link to the NBC story done on him, by clicking HERE. Barbara found, through her investigating and persistence:


Bank signature cards that were supposed to require two signers not turned in by him

Stolen, blank letterhead from a university that he used to make it appear that he worked there

Forged, original w-2s where he was supposedly working

Her forged signature on refinance documents

He hired a person who looked like her to complete settlement

He pressed to be added to deed to her house; mad when she wouldn’t

His alleged Congressional Medal of Honor: he buried it so FBI wouldn’t find it (wasn’t his) (stolen valor)

He created a fake identity; investigation by FBI

Brace on neck: fake injury

She had to endure legal system Hell to try to get to the truth about who she was really married to, and what he was capable of, before finally divorcing him after financial devastation. Another story of a woman I’ve been in contact with is equally compelling, and has similar threads running through it.

Hera McLeod was in the court system in Montgomery County MD, and encountered the legal antics of her ex who was determined to undermine everything that she stood for. The number of docket entries in her case is almost as long as mine. Long story short, her ex was given unsupervised visitation with their son, despite his colorful and harmful past that he fought valiantly and paid to cover up, and on the (I think) 4th visit, he drowned the 15 month old boy after having taken out over $500,000 in life insurance policies on him shortly before. Hera is understandably grieving, and is furious at a system that allowed this to happen. You can see the overview of what happened, as she describes it, by clicking HERE. I love what she is doing, and she has quite a few readers who email her with their stories. Both of them learned afterwards how to fight in the same way that the ex was, and they share the same sentiment on the legal system and how it allows abuse by the unscrupulous. Hera’s thoughts on that can be found by clicking HERE. I have spoken to other people about the phenomenon of Legal Abuse Syndrome. More on that on another future post. I am appalled that Judges can be so desensitized to the cases before them, that they would do such things as she wrote as “you rolled your eyes, appeared to fall asleep on the bench, and opened up your computer as if to read your email”. You can read the letter she sent to that Judge by clicking HERE. She is suing the psychologist who gave her ex the clean bill of mental health to the courts, for $20 million. If she wins, and I hope that she does, I hope it will send a message to legal and court systems to pay closer attention to the important things and take your job more seriously. In the cases of both women, their ex ended up being dangerous threats to their personal safety. This often times happens when a person tried everything in their power to get you to do what they wanted, but didn’t succeed how they hoped. Sometimes, what they wanted is not written in any court document. Courts and the humans that operate them are often ill-equipped to recognize con men or women pulling a con. Both women, and many more, are shining a bright light on these problems and their stories. Barbara’s ex died while trying to con another woman, Hera’s is facing the music for his actions, and Seemona Sumasar’s ex got 32 years for his scheme. Change happens when people stand up and do something, even when evil is staring them in the face.  

never give up

Putting Your Trust in the Wrong Person

Trust is one of those things that takes a long time to build, and can be destroyed in one minute. People seek trust in others, and companies hope that their employees are trustworthy. The trust that you have in someone is often times relative to the position and relationship that you have with them. The more that a person has the ability to help or hurt you, the more trust that you will need in them (that they will help you and not hurt you). Simply put, in matters that are important to you, is the person you are relating to or doing business with “trustworthy”?

In reading the Washington Post today, there is an article about a woman who was entrusted by the Association of American Medical Colleges to do administrative functions for them. Ephonia Green (is her name an indication of something?) embezzled over $5 million dollars from the non-profit, largely by creating phony invoices and opening bank accounts for phony enterprises in order to pay herself by looting her employer over an 8 year period. When you read the article linked here and included below, see how many times you see the theme “trust”. The organization wants answers, as they try to understand why the person they trusted would do such a thing, while the woman apparently offered none. Apparently, she needs a therapist to “ her come to terms with her misconduct.” Good luck with that, and don’t hold your breath waiting.

Download (PDF, 68KB)

Contracting fraud, designed to ultimately line the pockets of all parties involved, is not a new phenomenon in the non-profit, for-profit or even government sectors. Fraud within our defense departments has been rampant for decades, a fact that President Obama vowed to fight when he took office. You can see his procurement comments by clicking HERE. Such actions became necessary when it became obvious that the system based upon trusting people on their word alone (or rank) was shown to be flawed and costly. The case of the high-ranking Air Force procurement officer Darleen A. Druyun made headlines in 2006 when she was found to have been instrumental in one of the largest contracting scandals with Boeing that involved fraud, insider information and a sense of entitlement on her part.

What a way to honor the country that you took an oath to defend! Weaken them by stabbing them in the back financially by stealing from within.

It’s great that Mrs. Green is going to repay the $5.1 million by selling the house that she partially used those stolen funds to qualify for and acquire. Selling her sideline business may not put a dent in that $5.1 mil if she ran IT with the same principals she used to get the money to fund it, so good luck with that. Same thing with the Acura, timeshare and whatever else she spent the money on. My bet would be to do a search on her social for the past few years, to see what her tax return says about entities that reported any financial activity for her. People who are cunning enough to do fraud, are often brazen enough to tuck some of it away as a reminder of the fraud they perpetrated on their victims. It’s how serial killers often get caught: with a memento of the victim and crime in their possession. Those victims also trusted the WRONG person. Where there is smoke, there is usually fire, as some of the posters here have said!

Here is a post on trust from a great guy that I know. He sums it up pretty well:

In each other's pockets

Thanks to Jerry, Henry and Margaret!

truth not hidden

I love the movie, Jerry Maguire. He’s a sports agent, and he begins to realize that the industry that he is working in is deservedly having the reputation for dishonesty. He writes a “mission statement”, and circulates it to his co-workers in order to urge them to join him in getting back to the heart of the business (and by default, restore faith to it). He was fired, but went on to start his own agency that would operate with the principles in his mission statement. Hard-going at first, I suspect, because people were used to the way things were established by that point. Change is hard for us humans to decide to do, and even harder to actually do. In the end, due to his perseverance and insistence that “we’ll stay afloat” (things were financially tight with only one client), Jerry is able to help instill change in his client, in the perceptions of the fans (for a game), in the team owner renegotiating his client’s contract, and even in surrounding athletes who realize they are missing something with their representation. Love it, because I too believe as Margaret Mead did, that “Never doubt that a small group of committed people can change the world. Indeed, it is the only thing that ever has.”

To my friends, and the new ones I’ve met through this site, I so appreciate all of your contributions to the site. Moreover, I appreciate your ideas to create and formulate this site, your time spent in actually creating it, and your dedication in helping to spread awareness of activities that need to change and end.

As many of you have heard me say, the circumstances that I have found myself in for the past two years are not ones that I would have chosen for myself. They chose me. Just as my business partner chose the actions that she did, I too had a choice as to how to respond. Through her attorneys, Darlyn R. McLaughlin and David B. Shapiro in Baltimore, MD, offers were made to me to “settle” the case. In each instance, I needed no time to think about it and simply waited for them to finish offering so that I could clearly tell them “there will be NO settlement”. What people don’t understand is that settling doesn’t actually make the issue go away. It only makes it not go forward in court. Our society has gotten used to taking the perceived easy way out, the path of least resistance, and the road where you get as much as you can while doing the least amount of work. While some of my friends were of the same mindset as me (“no way, you won’t settle. you’ve done nothing wrong.”), others were growing tired of hearing of the antics and, wishing for me to get on with my life, urged me to “give her what she wants”. My views are more in line with Henry David Thoreau: “The path of least resistance leads to crooked rivers and crooked men.” Had I settled, the things shown on this site (and the other issues that have yet to appear) would have likely forever been hidden. Not settling was not easy, but it WAS the best thing ultimately.

I have a son. Parents have the job of trying their best to raise their kids so that they will be best-equipped to handle “life” as each of us experience it. More important than the words that come out of my mouth, are the ACTIONS that he sees me do. He is watching me, whether I realize it or not, and he has been learning from me how he could (if he chooses to) maneuver in his life in the future. I have always taken that responsibility seriously. It means that I don’t just make my decisions for my own benefit, but for his future benefit as well. Life is not going to be easy for him. And the things that he will truly value, will be those things that he will find he had to work hard for (with the exception of my love, hopefully). My son will do great things in the world, because I encourage him not to take that path of least resistance. And he doesn’t see me taking it either. Not only does HE deserve that from me, but it’s also my contribution to the change I want to see in the world.

Do we live in a perfect world, with perfect people? Far from it. I’m certainly not perfect either, and have my flaws. I have been fortunate to have the family background that I had, that led me to have the strong convictions that I do about living with integrity and being a person of character who DOES SOMETHING about “wrong” when I encounter it. The personal integrity of the people featured on this website is their own to go to sleep with each night. While some talk of “Karma”, I prefer to think simply that “what goes around comes around”, and that “what has been done in the dark will be brought to the light”. To the extent that issues come that directly affect me, as the actions of my business partner, her various legal counsels and many other people yet to be featured on this site have, I have felt compelled to share the information with my friends (old and new) so that together, we can help make the change that Margaret Meade wrote about. From the comments on this site, it would appear that people are understanding that this “story” is not just mine, but belongs to you also since it ultimately is affecting you. Craftsmanship, and doing one’s job with integrity (caring enough to do so), extends far beyond the one-on-one encounter between the two initial parties of any transaction. Short cuts create inferior products. Doing just enough to get by, breeds an entitlement mentality, which leads to greed. We all end up paying more than was necessary when that happen. This site showcases that. It happens with bankruptcy fraud, tax evasion, mortgage fraud, military BAH fraud, disability fraud, false statements under penalty of perjury, witness tampering, voter registration fraud, and even marriage fraud in the “Sin City” of Vegas. There is more, thanks to all of YOUR efforts, but this list is long enough!

A girl can dream. That craftsmanship, integrity, ethics, good character, honesty and plain-old “doing the right thing even when no one else is looking”, will be the rule instead of the exception. I hope that in my son’s lifetime, he will live in a world where you don’t have to “trust but verify” in order to protect yourself. As one person commented: with patience and persistence, anything can be done. Thanks for the reminder.

In the meantime, Thoreau had it right.

A link to Jerry Maguire’s “mission statement” is HERE.

Apparently, it was inspired by a letter written by the (then-head of Disney) Jeffrey Katzenberg to his fellow execs. He left Disney 3 years later, and started Dreamworks with Steven Spielberg and David Geffen. Read HERE. It is long.