Tag Archives: bah fraud

Recap and Announcement

Updated: Feb 2016:  forgot to provide the new website mentioned below.  It is www.testingmaryland.com  Please visit, and let us know what you think.

 

This site was dedicated to learning about and exploring the truth concerning one person’s experience with another. The site expanded in ways that we didn’t originally plan for, and it wasn’t long before we outgrew the original intent while simultaneously reaching our goal. This site focused on one person, and what they were able seemingly able to achieve.

We originally sought to explore the following with our Pisces, Gail R. Proctor:

Here are the posts that have been done, that address each of the subject areas.

It all surfaced on mortgage applications for houses that were secretively in bankruptcy:

http://www.tocatchafish.net/being-stuck-in-fraud/

 

Which led to the REAL fake husband of Ms. Gail Renai Proctor’s that appears to be:  http://www.tocatchafish.net/bah-fraud-solve/

 

Which led to finding this:

http://www.tocatchafish.net/she-claims-she-is-married/

http://www.tocatchafish.net/mr-black-will-be-turning-60/

 

Is there disability fraud going on?

http://www.tocatchafish.net/maryland_and_full_disability/

 

False claims of Florida residency in order to avoid paying Maryland taxes

http://www.tocatchafish.net/maryland-tax-evasion/

 

Continuing to operate a business in Maryland without paying its MD personal property tax or filing a company tax returns with IRS

http://www.tocatchafish.net/md_corp_fraud/

 

Making false statements in order to try to quiet someone who knows your Federal fraud:

http://www.tocatchafish.net/pretend_victim/

 

Committing Bankruptcy fraud (same old pattern of fraudulent statements):

http://www.tocatchafish.net/bankruptcy-fraud/

 

The original questions we sought to answer were:

1) How easy is it for someone to defraud the Federal Government for years undetected?

2) Is it possible for someone to create a person out of thin air and get financial benefit from it for years?

3) Can a person take paperwork from a Federal agency, and submit an altered version of it to a related State agency, undetected, and get financial benefit?

4) Can a person claim a disability that doesn’t exist, and get paid for it?

5) How easy is it to conceal assets, stockpile money and give false statements on your Federal bankruptcy schedules under the alleged “penalty of perjury”?

6) How easy is it to claim that you live in a State that has no income taxes, in order to avoid paying taxes in another State where you do live (that has taxes)?

 

Clearly, the problem isn’t just the person who is doing the acts, but the people who help enable it and the systems that allow it. Hence, the creation of a new site with a new purpose! Stay tuned as we finalize that site and its’ contents. We will make the announcement on this one, and link the two of them together.

Sham Marriage and Bankruptcy Fraud

This was an interesting story that came out that we think is complementary to the focus of this site. It’s a story of a woman, Gabriela Rosa, who was a public servant, who faked her marriage to get something from the US (in her case, it was citizenship). Back in the 90s she perpetrated a fake marriage. Was there something in the water in the 90s that made people think it was okay to fake marriages? She was able to fly under the radar for many years, which also seems to be prevalent. And she also committed bankruptcy fraud for giving a false amount of income on her bankruptcy schedule. This seems to also be something that people think they can get away with. She seemed to believe that she wouldn’t have gotten caught had it not been for her being a public official, which we don’t agree with.

 

Short post this time, but it speaks for itself. Fish do get caught when they find themselves to be trapped in nets that they weren’t paying attention to. At least her husband was a real person.

The Truth, The Whole Truth, and Nothing But The Truth

If someone intends to lie, there is really only 3 types of lies, according to the former CIA officers who wrote the book, Spy The Lie. A lie of commission is just a lie with no possible argument to be successfully made about it. If you report that you bought a vehicle with a friend’s cash, but it was really bought by the use of cash from your house and accounts with your name on them (and not the friends’), then you’ve told a lie of commission, which is not telling THE TRUTH. A lie of omission occurs when someone leaves out information, and therefore lies because they have. If you say that a vehicle was bought for you with “someone’s cash”, but you fail to disclose that the SOMEONE was yourself, then you told a lie of omission, and therefore did not tell THE WHOLE TRUTH. A lie of influence is one in which a person tries to get you think of something else with the answers they give to your questions, instead of the ones the question attempted to elicit. You may be asked about multiple and large withdrawals of money from your bank accounts that were illegal for you to do, and respond by saying “My schedules were completed by my attorneys in accordance with the best information available at the time”. This would likely be designed to try to spread the possible blame onto other parties, or at least create doubt as to who is culpable, but it wouldn’t actually be answering the original question. But doing so would violate the NOTHING BUT THE TRUTH mandate.

 

 

Why do people do these various forms of lying? The former CIA officers write that it may be because the “facts aren’t on their side”. When they aren’t on your side, you dig yourself into an even bigger grave if you have trouble keeping your story straight. It is often times helpful to either record people, or transcribe what they are saying so that you can review later what they did (or attempted to do). There’s a great deal that you can learn about people lying from a review of transcripts, which investigators are trained to do.

 

 

In the process of trying to get the truth from someone, investigators are also trained to tell when a person is trying to buy more time by repeating questions, deflecting the inquiry elsewhere, attempting to obtain sympathy with things that don’t relate to the purpose, or launch an attack because of being cornered by the eminent revelation of the truth. It’s a heck of a thing to be able to see that someone is lying despite their best efforts to try to convince others that they are telling the truth.

 

 

There is an unprecedented movement to find the fraud that has been hiding in the dark corners of many government offices. As the saying goes, you can run, but you can’t hide. At least not for long. That’s the WHOLE TRUTH!

Information on the book can be found by going HERE

Good luck with that!

Good luck with that!

 

A Site Recap for Newbies

The site has expanded in ways that we didn’t originally plan, and since we have more planned for 2014, we wanted to pay homage to our original goals in order to do a check to see how we’ve done.

We originally sought to explore the following with our Pisces, Gail R. Proctor:

1) How easy is it for someone to defraud the Federal Government for years undetected?

2) Is it possible for someone to create a person out of thin air and get financial benefit from it for years?

3) Can a person take paperwork from a Federal agency, and submit an altered version of it to a related State agency, undetected, and get financial benefit?

4) Can a person claim a disability that doesn’t exist, and get paid for it?

5) How easy is it to conceal assets, stockpile money and give false statements on your Federal bankruptcy schedules under the alleged “penalty of perjury”?

6) How easy is it to claim that you live in a State that has no income taxes, in order to avoid paying taxes in another State where you do live (that has taxes)?

And here are the posts that have been done, that address each of the above subject areas.

It all surfaced on mortgage applications for houses that were secretively in bankruptcy:

http://www.tocatchafish.net/being-stuck-in-fraud/

 

Which led to the REAL fake husband of Ms. Gail Renai Proctor’s that appears to be:  http://www.tocatchafish.net/bah-fraud-solve/

 

Which led to finding this:

http://www.tocatchafish.net/she-claims-she-is-married/

http://www.tocatchafish.net/mr-black-will-be-turning-60/

 

Is there disability fraud going on?

http://www.tocatchafish.net/maryland_and_full_disability/

False claims of Florida residency in order to avoid paying Maryland taxes

http://www.tocatchafish.net/maryland-tax-evasion/

Continuing to operate a business in Maryland without paying its MD personal property tax or filing a company tax returns with IRS

http://www.tocatchafish.net/md_corp_fraud/

Making false statements in order to try to quiet someone who knows your Federal fraud:

http://www.tocatchafish.net/pretend_victim/

Committing Bankruptcy fraud (same old pattern of fraudulent statements):

http://www.tocatchafish.net/bankruptcy-fraud/

This one was a bonus, not on our original list.  Maryland First-Time Homebuyer fraud:

http://www.tocatchafish.net/fraud-in-md-again/

 

This is meant to be a recap for those who want to quickly know the main focus of this site.  More to come! Thanks for sharing us with your friends, and we appreciate your comments.

finding facts

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

What’s the Temperature of BAH Fraud Cases in the US?

An internet search reveals that the number of BAH fraud and other entitlement cases here in the US has increased. As one legal firm that we found put it, “The government has gotten serious about getting its money back”. It’s time they did.

A case in Arizona has popped onto the radar involving Air National Guard airmen who have been charged with stealing $1.4 million of money that they weren’t entitled to receive. 8 officers, included a Retired Colonel, and 13 enlisted airmen have been accused and charged with this crime.  Yes, you read right, even a Colonel. People see the title “Colonel”, and think that the person would be above reproach and wrong-doing. The Air Force Times article linked below states that leaders “failed to uphold military standards of integrity in part because they were ethically compromised by their own misconduct.”

 It must be a common enough offense these days, considering the number of internet results that you get when looking for BAH fraud attorneys. One military lawyer answered a question asked regarding how hard it is to be charged with BAH fraud. He answered by giving the elements of fraud quoted from military justice law, and then gave guidance on how a person can be convicted once the fraud is proven. His advice boiled down to “So to prove BAH fraud, they would need to prove that the service member, on purpose, filed a claim for BAH that they knew at the time was fraudulent.” His full writeup can be found below.

How do they connect the dots to show that you knew at the time the claim was fraudulent? Looking back to the legal firm who noted how serious the government is getting, they write that you should expect that the records you used to submit and justify the claim will be examined along with phone records, bank records, etc in order to prove that you intended to steal in the first place and then kept the money that you knew you weren’t entitled to have. Unlike overly-vexatious folks who jump the gun and file lawsuits just to be pains in the asses to people, the government takes its time to gather all of the evidence it needs by interviewing people who may know more than the servicemember will tell, and obtaining and reviewing what the actual documents show. No sense relying on the words of someone who, if they were intent on deceiving you in the first place, aren’t likely to tell you the truth even if you ask them. The forms they submit state that you are signing them, under penalty of perjury, so if you lied, then time to get the penalty that you signed your name as understanding that you might get if caught.

Many of the cases conclude with the person being stripped of rank, stripped of retirement pay and benefits, and made to pay restitution for the money they stole. In the case of someone who is no longer in the military, the penalty wouldn’t involve rank stripping that doesn’t mean anything on the civilian world anymore, anyway. Remember the case we reported on previously regarding the MD vets who stole monies they weren’t entitled to? They were all retired, getting disability pay for fictitious ailments. Wonder if there’s ever been a case of fictitious husband created to get entitlement not earned, along with fictitious ailments for fake disabilities? It would seem that anything is possible.

A case where the penalty was determined by EVERY month that the servicemember took BAH pay and didn’t give it back:

Download (PDF, 35KB)

There is a saying: Never lie to someone. Odds are that they already know the truth and just wanted to hear how you decided to spin it!

Site One

Site Two

Site Three

that lie

When their financial nightmare becomes yours

saddest thing

There are a couple of things that just haven’t added up. First, in looking at one of the last loan applications completed for a Suntrust loan on 601 N Ellwood Ave in Baltimore city, you will see that both borrowers indicated that they were “single”. You’ll see that on page 1 attached:

Page one of loan app

Then, moving onto page 2 is where it was disclosed to the Suntrust loan officer (and signed off on settlement day) that something called “BAH” was extra income for borrower 1:

page two of loan app

And then, well you can see the date that this particularly loan application was completed, which was in June of 2006:

page three of loan app

Ok. So, now comes the tricky part. In those documents received from the FOIA request from the military, there appears to be some confusion as to whether or not Mr. Black is still the spouse. See for yourself. On this first page, the box for item 14 where it asks for “marital status” is checked “single”. Jumping down to box #22, Christopher’s first and last name are typed into block “a”, but block “b” (darn) has no social security number (do you have one?). See:

Download (PDF, 4.11MB)

And then, on the back side of the document, block #29 has typed into it “Estranged from spouse address unknown”. Block #30 requests the signature of Mr. Black because it asks for his permission so that the retiree can waive his right to retirement benefits and give them instead to the two beneficiaries listed on the first page. Likely, the form couldn’t be submitted without Mr. Black’s signature (or was rejected because they were making payments based on him being supported by those BAH payments). Anyway, Mr. Black indeed ended up coming to his wife’s rescue and being able to be located, signed the form in March 2006, and had a friend or buddy “James Miller” who lived in Florissant, MO, witness his signature. Clues as to where we may find Christopher Black, finally! James Miller is SUCH a common name, but there is a specific address listed on the document, see:

Download (PDF, 2.19MB)

 

Now, we are dealing with the US Government here, so I notice that there is a statement before the signature for the retiree that reads “Under penalties of perjury, I certify that the number of withholding exemptions claimed does not exceed… and that all statements on this form are made with full knowledge of the penalties for making false statements (18 US Code 287 and 1001 provide for a penalty of not more than $10,000 fin, or 5 years in prison, or both).” The Federal statute involves “false, fictitious or fraudulent claims”.

Why is this post referring to a financial NIGHTMARE, you ask? Simple. When one files in the Federal court, seeking protection from creditors, it is a right, but it’s also a privilege. See, if you want to get that protection and be able to discharge the debts that you no longer want to pay, the trustee relies on you being HONEST about those debts as well as your true ability to pay them. Can’t hide assets, can’t fail to disclose income or hide money, can’t transfer money for a time period before you file, can’t ring up credit card debt knowing what you are about to do (file), and you can’t discharge debts that were incurred as result of your FRAUD (whether false pretenses or actual fraud). See:

Download (PDF, 2.04MB)

At the same time when those loan documents were being executed with someone declaring to be “single”, monies that were based on being “married” were being declared on them in order to qualify for those mortgages in Baltimore city. Wonder if those seven loans would have been approved without that extra money factored into the equation? A case of:

Too late now

Too late now

 

So boys and girls, the lesson for today is what we will call the “Three Cs”. Just as you should be careful who you get into bed with, you should also be very Careful, Cautious and Check who you get into business with. For if you don’t, you may find yourself wishing that you could be free of the nightmare of dealing with them, only to realize that the nightmare is only beginning!

In keeping with the theme of this website: we’re looking for anyone at Suntrust Mortgage who CARES (oh, another “C”!) about this who can tell us the truth. Yes, there are foreclosures all around the country, but can you tell us for sure whether or not you plan on pursuing your rights to NOT have these debts discharged in bankruptcy? Inquiring minds wanna know!

 

 

She claims she is married

So, to start things off right, we need your help to find the alleged groom of our Pisces. In February 1994, a wedding occurred in Vegas between Gail Renai Proctor and a “Christopher Anthony Black”. According to the Clark County, NV records, Mr. Black was born on July 3, 1953, and resided in Temple Hills, MD. His mother’s name is Ijetta, and his father’s name is Charlie. Christopher, his mother, and father are all from South Carolina. You can see some of this information on the online search page for yourself.

Now, this was quite a surprise to many people, including the Suntrust loan officer who did most of the investment mortgages, since the marital status that she used on Federal loan applications signed from 2004 to 2006 were marked “single” by her. Allegedly, the IRS received tax returns from her that also indicated she was “single” for all of those years.

The FOIA documents related to her retirement that the military provided, show that he signed off on it for her in 2006. His signature was witnessed by a “James Miller”, who gave an address in Missouri. This is important, because when you are in the military and have a spouse, you get paid a lot of extra money per month for what is called BAH (basic assistance for housing) for the entire time that you are living with your spouse. So, from 1994 to 2007 (retirement), she was paid extra money by our United States Department of Defense for supporting a household with Mr. Black.

An extensive search was done to locate Christopher Anthony Black with those specific credentials, but none has been located. There are a number of people with that name, but we can’t find one that has that same date of birth AND very-distinctive mother’s first name. In fact and ironically, according to the FOIA documents received, there is someone who has the EXACT date of birth, mother and father’s first name, and State of birth as Ms. Proctor’s groom. Her immediate supervisor while at the DCANG shares those same stats, and even has a brother whose first-name is Christopher. Their last name is Samuel though. You tell us what you think is going on!! And if you have ANY information that you can share, please, remember the rules!

Here’s the link that makes us scratch our heads:

http://www.legacy.com/obituaries/washingtonpost/obituary.aspx?pid=158382545

Email for info not suitable to be published: fishy(at)tocatchafish.net