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Government Rip-offs, Some Invented to Destroy You Financially
The "FEMA Aid" Scandal:
5/10/11, Associated Press: Cedar Rapids, IA - After the raging Cedar River filled his home with 13 feet of water and ruined most of his possessions, Justin Van Fleet pleaded for help from the Federal Emergency Management Agency to get back on his feet. Dead broke and living in a FEMA trailer following the 2008 flood, Van Fleet repeatedly submitted paperwork and made countless phone calls arguing his case. After seven months, the agency finally gave him more than $20,000, which he said gave him his life back and allowed him to move into a house. Then in March, a letter arrived from the government with a shocking message. He should never have received the money and he had just 30 days to pay it all back. The agency is asking Van Fleet and thousands of other Americans who were victims of natural disasters to return more than 22 million in government aid, acknowledging it mistakenly made payments to many people who were ineligible. FEMA is required by law to recover improperly spent money, but most of the people who were helped said they used the cash years ago and they don't want to be financially ruined now because of the agencies "errors." "It literally felt like everything is being taken away from me again," said Van Fleet, a 28-year-old call center worker. "It's like going through the flood again." Documents obtained by the Associated Press show that FEMA is seeking payments from more than 5,500 people who were affected by 129 separate disasters since 2005, including floods, tornadoes, hurricanes, and other calamities from Arkansas to American Samoa. The agency is still reviewing records and more repayment requests could go out soon, including to victims of hurricane Katrina. In Van Fleet's case, the agency concluded that the aid was a duplication of benefits since he had flood insurance. Van Fleet said his insurance payout went directly to his mortgage company. He was not able to sell the house or rebuild, so he received no benefit, because the house was deemed worthless and slated for demolition by the government. According to Van Fleet, the FEMA representatives who visited him at the trailer in 2008 said he should qualify for assistance because he did not receive an insurance payout. They explained how to appeal and he prevailed on the third try.
My Comments: The list of pitiful people who lost so much in disasters throughout the US and are being asked to pay back the monies, which gave them some hope of survival, goes on and on. That's right President Obama, get 22 million dollars of that money back from the otherwise destitute, suffering US citizens, so you can give another 770 million dollars to refurbish Middle Eastern Muslim mosques! Actually, the 22 million will pay for the projected 6 million dollars that will be spent during your four year administration for Michelle Obama's 22 aides, because she can't live with only one or two, as the former first ladies did!
The Obama Mortgage Bailouts Scandal:
During the last year, I can hardly go to a website without seeing an add for a "President Obama mortgage bailout - lower your interest rates" offer. I have heard of a number of people who applied for lower interest rates with their mortgage companies after a financial crises, only to be declined, or simply offered a "Forbearance Agreement." A Forbearance Agreement is nothing more than a ruse to bring you to much greater financial ruin on down the line, unless you gain a sudden financial windfall before the bank takes your home. I have also heard of people on the news who have signed "Forbearance Agreements" with their lenders, only to be foreclosed upon anyway, even though they kept the agreement and made their payments on time. It used to be that mortgage companies would try to prevent foreclosures to avoid the loss in interest and costs to maintain and resell properties. Something very sinister is going on all across America and I don't believe most people are ready to accept the truth. One of my own neighbors signed a "Forbearance Agreement," but when the mortgage company began sending them foreclosure notices and taking pictures of their home, even though they were making their payments, they borrowed money, got caught up in a hurry, and washed their hands of that whole mess. In 2009, my son Levi went on to be with the Lord and I wasn't able to return to work. My income suddenly dropped about 35K a year at that time. I applied for a modification with my mortgage company, Citimortgage. I figured they received their share of the millions in bailout monies and maybe I would qualify, under the circumstances. After waiting a year for them to respond to my online application, and I still hadn't received a response, I sent a formal complaint to the Comptroller of the Currency (government watchdog for banks). Within a short period of time after that, I was offered a "Forbearance Agreement," which would save me about $230 a month. When I received the agreement, Citimortgage showed I owed back mortgage payments on the documents, which I did not owe at all. I had never missed a payment and I was never late on a payment. I called the representative who had been "helping me," and she said that in order to get a lower interest rate, you have to be behind on your mortgage, "so we just wrote in that information for you so you could qualify." I told her there was only one problem with that scenario, it is a lie and, as a Christian, I can't sign it. I, again, complained to the Comptroller of the Currency about this fraudulent offer and the fact that Citimortgage still wasn't responding in good faith to my application. I received a call from a different representative with Citimortgage and she told me she was going to send me a loan modification to reduce my interest to 3.5% and I would save $308 a month! I thought my perseverance to get a legitimate contract had finally paid off. I received the modification, but it stipulated that I was behind in my interest payments approximately $1,400, which would be paid back during the life of the loan. In order to save $308. a month, I was certainly willing to pay a $1,400 fee, but not "back interest," because I didn't owe any back interest. I had never been late with my payments or interest throughout the life of my loan with Citimortgage. When I called them regarding the fraudulent terms of the modification, the representative told me that Citimortgage was entitled to something for modifying my loan and saving me so much money. I wholeheartedly agreed and told them, by all means, please write a $1,400 fee into the modification and I'll sign it, no problem! I just can't sign a contract which states I am behind in my payments or interest, because I've never been late and I can't lie; I am a Christian. The representative told me that it wasn't legal for them to charge me a "fee" for the modification, it had to say "back interest owed" on the contract. Long story short, I refused to sign because the modification was fraudulent and I couldn't sign it to save myself a million dollars a month, not for any amount of money. We were at an impasse. So, I complained again to the Comptroller and after making several calls to the Comptroller's Office, they finally sent me a standardized, unsigned notice which basically stated that they ask mortgage companies to try to work with their clients to reduce mortgage interest rates, when possible, to alleviate their financial hardships, etc, etc... There was absolutely nothing said in the letter about the fraudulent terms placed in the copy of the modification I sent them - nothing. The government agency who is supposed to regulate these banks did absolutely nothing about the fraudulent contracts presented to me by Citimortgage; they didn't even address the issue at all! This is my story, but I venture to say there are thousands, and it doesn't appear that the banks are reluctant to foreclose at all. From what I am seeing, the banks are rushing to foreclose. There is something sinister going on in America to take down the economy, bankrupt Americans and bring about a socialist government. These types of things must happen to cause people to become dependent on the government for everything. It is a plan for everyone to lose everything they own to the government, so the government can control the people. It is a common prelude to communist/socialist government takeovers.
If these stories aren't quite enough to shock you, I will clue you in on another branch of our "fine" government and their "fair" practices. My son was totally disabled for fourteen years, until he passed on to be with the Lord on May 24, 2009. Levi was eligible for full CalOptima medical benefits, due to his disability. I elected to pay for CIGNA healthcare coverage for him through my employer, which covered all of Levi's medical expenses, except small copayments. It wasn't easy financially, but I wanted the best care for Levi that my money could buy. I really don't think it's any great deal that I saved CalOptima hundreds of thousands of dollars during the years I kept medical coverage in effect for my son. However, CalOptima was supposed to pay the copayments required for medications, generally 5-15.00 per prescription. CalOptima paid most of the copays, but refused to pay 848.07 of Levi's prescription copays and, in that I struggled financially at the time, I filed for a hearing with the Hearings Division of CalOptima. Two years later, I was shocked to receive a court date. Levi had already passed on and I retired at that time, but since I paid for all of Levi's medical expenses, Judge McKeever heard my case just the same. He heard my case and awarded me 848.07 for copays which CalOptima should have paid. Since my retirement is limited now, I was grateful for the judgment. After three months, I contacted CalOptima regarding payment. They said they knew nothing of the judgment. I emailed them a copy and then they told me they felt MediCal should pay me, so they forwarded the judgment to that department. I called MediCal, but they denied the obligation and told me to call CalOptima again. This went back and forth several times, so I asked to speak with a manager at CalOptima. I never received a call back. I made calls to CalOptima and MediCal for four months, then I finally gave up. I wrote to Congressman, Jerry Lewis, about my judgment against CalOptima and their refusal to pay, but he never gave me the courtesy of a response. I'm not at all the type of person who just "gives up," but I know the condition of our government and the officials who work in our government agencies. It is a pathetic mess. Actually, since Barack Hussein Obama feels the need to send our tax dollars to support Palestinian Authority terrorists in the Middle East and send 700 million in tax dollars to the Middle East to refurbish Muslim mosques, and since his wife has to have 22 aides to help her at the White House, unlike the one or two other first ladies have had, I figured I should do the right thing by not pushing for the 848.07 Judge McKeever awarded me in medical refunds last year. America needs every penny it can hold on to. UPDATE 6/27/11: After forwarding my complaints to Supervisor Janet Nguyen with the Orange County Board of Supervisors and the Orange County Register/Watchdog, I received a call from Dr. Scheid with CalOptima, I assumed from the executive offices. He couldn't apologize enough for the manner in which my case was handled and assured me that I would be paid the full amount ordered by the Hearings Division's Administrative Judge within a few days. I was relieved to understand that when upper management's attention was drawn to my complaint, Dr. Scheid did the right thing. After speaking with him, I have no doubt that his office will issue the check, and once I receive it, I will update this page with that information. UPDATE: I received two checks in the mail from Dr. Scheid with CalOptima, which totaled the full amount awarded to me by the State Hearings Division. This is an example of how prayer and perseverance will prevail in the end. I have to be honest, that after eight months of getting the "run-around" from CalOptima staff, I was almost ready to give up. In fact, I did wait about another month or two before finally picking up the cause again and contacting Supervisor Janet Nguyen and The Orange County Register Newspaper. I would like to encourage those who might still be waiting with these words: keep praying and trust God and bypass the "little people with big heads" who treat you unjustly and try to get your complaint to top management. God bless you.
Why am I saying all of this? These are just a few examples of how government is operating now, but let me assure you, government dealings with the citizens of the United States are going to become more and more treacherous; and the further you stay away from government programs and government all together, the better off you will be. I'm not suggesting anyone not pay their taxes, albeit taxes are getting almost more than any of us can bear, and it's going to get worse. When the disciples asked Jesus about paying taxes, He said, "...give to Caesar the things that are Caesar's..." Matthew 22:21. Nevertheless, if you receive any type of government aid, I recommend that you pray and do everything you possibly can to get keep away from government as much as possible. The time will come in the not too distant future when government is going to do everything in its power to take away your freedoms. How do I know this? First and foremost, the Bible tells us this will happen, "He causes everyone, both small and great, rich and poor, free and bond to receive a mark in their right hand or forehead" Revelation 13:16. Already, government officials have little to no regard for the Constitution of the United States. Right now, we have a rouge president in the White House. He is there illegally and he has no right to be there. According to the "natural born citizen" clause of the United States Constitution, both parents of the president, not only the president, must be citizens of the United States. Barack Hussein Obama's father was not a citizen of the United States and this fact disqualifies him from being our president, yet he is sitting in the White House. He is a far left liberal; he has a socialist mindset; and he was groomed, bought and paid for by the elitists to become our president. A lot of money was spent to cover up Barack Hussein Obama's birth certificate, but when Donald Trump refused to let the matter slide (since he has plenty of money to spend getting to the bottom of the deception), Barack Hussein Obama had no choice but to release his birth certificate, which proves he is ineligible run as a presidential candidate, let alone sit in the White House. Is anyone doing anything about it? Yes, but the massive number of cases are consistently kicked out of the courts for lack of standing. Do you think our government is not corrupt? I implore you to think again. Cay you go out and break the laws of this government? No you can't and the reason you can't is because you aren't a pawn or friend to the megabankers who are actually running this country.
