Tag Archives: gail renai proctor

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.

What Everyone Can Learn From Ray Rice and Bob McDonnell

   

In the past week, two high profile people were sent resounding messages by the court of public opinion and in one case, a jury of his peers. That message said that you should just tell the truth right from the start, instead of trying to carry people in the hope that they won’t be smart enough to put two and two together.

Ray Rice. Poor Ray Rice, and poor Janay Rice, and poor Rayven Rice. “I made a huge mistake, and I want to own it.” are the words that Ray Rice said in a press release this morning after being released by the Ravens football team. And yet, those who saw the original video where he dragged the lifeless body of his fiance out of the elevator and let her fall into a slump face down on the floor wonder when it was that he actually decided that it was a huge mistake. Did he know it was a mistake when he was kicking her legs out of the way of the elevator doors, or was it when he realized that his punch knocked her face into a rail and rendered her unconscious? No, those weren’t the times when he knew he had made a huge mistake, because he chose his career and multi-million dollar contract over telling the truth. It appears that the “huge mistake” he references is the one where he got caught, and (now) has no choice but to own it.

Similarly, Bob McDonnel, who was convicted on 11 felony charges in his corruption trial, thought that his definition of “corruption” was different than the one that jury had. According to THIS story, he painted himself to the media as a straight-laced guy who was a former military man and devoted family guy. As a result, no one would have expected the reality to be any different than the story: until undisputable facts surfaced that told a different story.

Sometimes, it really just comes down to being a case of did you do it, or not, without all the legal mumbo-jumbo that lawyers will try to bring onto the scene in order to distract everyone from that core question. The jury didn’t buy the argument that he didn’t know that what he was doing was wrong. And the public haven’t bought the story that Ray Rice didn’t know his vicious role in what happened in that elevator, or the possible price he might pay if it was discovered as it has now been.

As the saying goes: an ounce of prevention is worth a pound of cure.

 

http://www.baltimoresun.com/entertainment/tv/z-on-tv-blog/bal-ray-rice-video-tmz-enduring-power-image-20140908,0,5703020.story

images

Using Surveillance to Catch Disability Fraud

Fraudulent claims for disability have been a problem for the Social Security Administration for years.  The ways that fraud investigators find the fraudster range from simply putting two and two together with documents, to relying on anonymous tips via their fraud hotline. In between, investigators often root out the fraudster from simply watching them.  It happens more and more these days.

THIS guy was receiving more than $6000 per month for his “disability”, but meanwhile was seen playing basketball, doing yardwork, and washing his boat that the author says was probably purchased using his disability payments.  He was getting money from SSA and Veteran’s Affairs.

THIS woman was caught committing worker’s comp fraud by using video surveillance.  One minute, she needed a cane and a brace, and the next she could function just fine without it.

The Social Security Administration has a Cooperative Disability Investigations Program that routinely employs the use of video surveillance in order to catch fraudsters.  A few of their cases can be read about by clicking HERE.  More can be found on video surveillance by clicking HERE.  An attorney did a nice writeup about the ways that surveillance is conducted.  It includes interviewing 3rd parties and reviewing information found on social media.

THIS story reports on the retired officers and firefighters who were charged with making fraudulent PTSD claims for disability to the Social Security Administration.  There were more than 100 of them. On their paperwork, apparently they kept writing that “I’m unable to perform any type of work activity in or out of the house”.  But they were found to be jet skiing, piloting planes and doing work.  If you write that you can’t do things, than don’t be seen or heard doing those things.  Period.

You should especially not be out in very public venues doing any of the things that you attested to not being able to do.  Being on The Price is Right, grabbing the big wheel when you are getting disability pay for a shoulder injury, is a no-no. Going zip-lining while on vacation with your partner, is another.  I’d like to know how they found out what Cathy Cashwell was doing while on vacation! (ooh, it’s probably by first checking bank and credit card statements and getting it confirmed from pictures!) It’s called malingering (faking an illness for personal gain).  The Form 3368 for a malingerer, makes for interesting and entertaining reading indeed!  A note to fraudsters: if the doctor you listed in Section 8 is someone who is known to certify for bogus claims, you may want to turn yourself in before you are caught. And shame on you for listing and wasting good meds that could be used for someone who really intends to take them.

How can you get away with disability fraud?  Here’s advice from the investigator written about in the story above: ““The best way and only way of beating the system is completely staying in your house, not leaving for three to five years.” Cathy, I bet you don’t have that smile you had on the Price is Right video now!

Bankruptcy Attorneys Being Naughty

I don’t think that anyone truly thinks that fraud and actions to cover up fraud don’t exist in our world. I myself have spent many times around the watercooler at my job, talking with co-workers about the lengths that people go to in order to make it that their illegal actions don’t see the light of day. What we are blown away by are stories where attorneys are doing the illegal activities to help their client who has been fraudulent in the first place. The last blog post sparked our interest in these sorts of situations.

And they do happen.

The good news for those of us who think there is no hope for a system where these things are tolerated by the very officers who are entrusted with the care of that system, is that they often times get caught. That is the subject of my post: those naughty bankruptcy attorneys.

Federal Rule of Bankruptcy Procedure 9011 provides guidance about an attorney’s filings:

“The attorney “is certifying that to the best of the person’s knowledge, information, and belief, formed after an inquiry reasonable under the circumstances” that the information presented by the attorney to the court is such.

So you can’t just upload things just because you feel like it, and you can’t to purposefully cause delay, and you can’t to try to increase the cost of litigations, and you can’t make allegations unless you have evidentiary support for them. So actually I wrote it wrong to say “you can’t”. You CAN, but doing so will subject you to sanctions, and a nice big fat Order for Show Cause that starts the ball rolling. Bankruptcy courts can impose sanctions in three situations: where papers that are submitted demonstrate factual frivolity, legal frivolity, or where papers are submitted for an ‘improper purpose.’ Attorneys have been penalized by the bankruptcy court for their actions.  THIS case involves sanctions against an attorney who advised their client not to disclose assets. And THIS case shows the importance of the attorney having information to back up their claims, and what happens when your client contradicts their facts to save themselves.
At all times once an attorney is retained as their counsel, it is THEY who are running the show and are responsible for authenticity of information on schedules. It doesn’t work to say you believed what your client told you about the amount in their accounts or their income amount, if you don’t get the statements to corroborate what they’ve said. Attorneys are responsible for doing discovery on their clients’ information BEFORE filing things in the court about them. Not that you can’t do that, but if you do, it is your ass in the sling swinging in front of the Judge at your Show Cause hearing. It’s also a no-no to repeatedly submit unconfirmable plans (see Dahlgren v. Palone case), and to do so in a deliberate attempt to multiply or delay proceedings subjects the attorney to sanctions also. It’s a privilege to operate in the court, and if you abuse it by being negligent, too bad for you (see Thao Tran).

Finally, it’s worth mentioning that an attorney’s show cause hearing isn’t the place for them to lie about what or why they did what they did. Ask Kathy Cruz, who put wrong information on schedules that affected funds available to creditors, mischaracterized monies in order to obtain confirmation for their client, and then made misrepresentations in her show cause hearing to the Judge about her actions. Fines, mandatory reeducation and suspension of practice for 6 months. Was that little money your client gave you really worth all of that, Kathy? Kathy isn’t alone. If attorneys think they can get one over on a determined Judge, just look at this case, also found on the internet, involving what at first was an attorney not using Federal upload system in accordance with the Rules:

Download (PDF, 127KB)

There is a blog post found HERE, where an attorney asks “what has happened to honesty in the Bar, for Pete’s sake?” We applaud any avenues that exist to bring out and showcase the fraudulent behavior of clients hell-bent on committing bankruptcy fraud, and their attorneys who are determined to “win” by any means necessary to help them.  At some point, it becomes clear that your client is committing fraud, and an attorney that keeps walking beside them to help them do it… well, hopefully they don’t mind their character and reputation being judged accordingly.  Birds of a feather, do tend to flock together!

What price would YOU pay for bankruptcy fraud?

This segment reports on the antics of Steven K. Zinnel, who got himself into serious trouble when he planned and decided to commit bankruptcy fraud.  Bankruptcy fraud isn’t such the big story with this case, but what is interesting is the way that his fraud got detected and the fallout from it.  First, some backstory.

Mr. Zinnel went through a horrible divorce and child support battle with his now ex-wife.  Mr. Zinnel was a businessman with significant holdings and assets, but he wanted to control how much of it would be given to his ex-wife or kids.  Essentially, he didn’t want to be told by the State court how much of his money would be given for his obligations.  So what did he do?  He filed personal bankruptcy.  Best way to get protection is the Federal kind, while in bankruptcy.  Because of the nature of the relationship between he and his ex, she knew information about his holdings, and he knew that.  She wasn’t going to make it easy for him to just screw her and the kids out of what would rightfully be theirs otherwise.

Here’s where it gets interesting.  Zinnel decided, along with his attorney, Derian Eidson, that they would set up trusts and companies in a way that would shield his assets from detection from the bankruptcy trustee.  He put property into other peoples’ names both before and after his bankruptcy too.  THAT, is a no-no.  Zinnel apparently made it clear in the divorce case that he believed he could conceal his true financial picture in order to avoid his financial obligations (his kids).  He wanted a little bit of help to achieve his goal of getting his wife off his trail, so he did what anyone would do: he contacted the FBI.  His ex was making things uncomfortable for him by requesting records about him, so he decided to make things uncomfortable for her.  He asked the FBI to investigate his ex-wife for requesting the records.   According to THIS write-up on the story, “According to papers on file with the court, when agents followed up on Zinnel’s call to the FBI, his own bankruptcy crimes were discovered.”  According to the write-up by TIME found HERE, Zinnel’s BK judge noted that, “having roused the beast, like the professor in Frankenstein, [Zinnel] was soon fighting off his own creation.”  It took a while, but the FBI was able to piece together his asset transfers, saw the sources of his income that he didn’t declare, and found the proof of his various bankruptcy frauds.

Oh, and let’s not forget about his female lawyer that put her own credentials on the line in order to assist her client with his fraud.  Difficult to imagine that an attorney would be so focused on winning for their client, that they would be willing to lie for them and help them commit fraud.  Clean hands doctrine, anyone?  Eidson was convicted of one count of conspiracy, and one of attempting to commit money laundering.  She also had to forfeit assets due to her conduct.  One has to wonder how much her integrity was bought for, assuming she had it to begin with?

 

Zinnel tried to appeal his bankruptcy, but it got stayed until after the criminal proceedings were completed.  You can read about that by going HERE.  Zinnel’s Judge had this to say: [“You don’t lie before a court of law,” Judge Nunley admonished Zinnel. “You don’t continue to lie, which is what you did.” Judge Nunley found that Zinnel’s gifts of being articulate and charismatic were used toward promoting Zinnel’s “own selfish ends.”]  Federal prosecutors had this to report in their filed briefs: “[Zinnel] showed his true nature: ‘hateful, vindictive, and incorrigible,’ read the court papers.  More on that HERE.

Zinnel got fined that $500,000 that is mentioned on nearly all of the bankruptcy paperwork that debtors have to acknowledge.  He also ended up having to forfeit almost $3 million of his assets to the government, and let’s not forget the time that you do for doing the crime that you did: more than 17 years!  Here’s a copy of the Prelim Order:

Download (PDF, 192KB)

We asked on this site, “can you make someone do the right thing?”. We were writing about our Pisces, Ms. Proctor.  We certainly hope she is reading this post, along with her attorneys.  This story is directly relevant to her, and she (and they) certainly know why! It’s time to be honest. Even Teresa, from the Real Housewives of New Jersey is doing it. SEE?

 

More found below:

http://www.justice.gov/usao/cae/news/docs/2013/07-2013/07-17-13Zinnel.html

http://www.sacbee.com/2014/03/05/6210229/man-who-hid-assets-in-divorce.html

give a chance

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

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!

 

 

Mr. Black will be turning 60

Mr. Christopher Anthony Black will be turning 60 on July 3rd of this year. Apparently, he IS still alive, as he has apparently been communicating with Ms. Proctor as recently as this year. According to a Federal deposition transcript that I’ve looked at, Ms. Proctor said that Ms. Jareaux contacted her husband’s family, and that his family contacted him about it. This led to him calling Ms. Proctor to find out “why”.

The answer to the question of “why” is that the State of Maryland is one of those states where the spouses HAVE rights to the marital property of their spouses. So, Mr. Black, since Ms. Jareaux owns a house with your wife that has no mortgage, and it is titled in a way that gives YOU rights, you are being sought for questioning. You probably already know that you are entitled to half of her retirement pay, BY LAW, and surely you know that she did retire since you signed off on her retirement form with the military in 2006 so that she could. Ms. Jareaux doesn’t remember actually speaking to any family member of yours, but since Ms. Proctor testified that she did, then perhaps word of all of this will get to you?

In the meantime, in order to have people help us to locate you for questioning, I am uploading a copy of the marriage license that is on file with the Clark County, NV clerk’s office that I have received in the mail for the low-low and very reasonable price of $1.00. This will help people to determine WHICH Christopher Anthony Black is the right one. They can see your signature, and the information that you told the clerk back on that memorable day in 1994 when you said your nuptials to your beloved wife, Gail. Do you exist? Well certainly you must, since the Nevada clerk’s office website reads:

Per Nevada Revised Statutes (NRS) 122.200, “Any person who shall make a false statement in procuring a marriage license with reference to any matter required by NRS 122.040 and 122.050 to be stated under oath shall be guilty of a gross misdemeanor.”

You can see it for yourself by going here

I mean, granted, it would have been a lot easier to find you if you had done this at a time when they required you to give a social security number like they do now. I suppose with all the craziness that is known to happen in Vegas, they decided at some point to be able to hold people accountable by making them give their SSN.

In the meantime, what happens in Vegas (or in this case, what happened) isn’t going to stay in Vegas, so please contact us. You may find yourself to one day be the co-owner of a house at 1847 Ramsay in Baltimore City, MD. Now that it’s come out that you supposedly exist, don’t you think it’s time for you and Ms. Jareaux to meet? There are so many people that want to meet you.

Download (PDF, 79KB)