Our stupidity (2003-2005)

Desperation and Depression   Looking at bills from the specialists the dog bite injury attorney had made her see, the bankruptcy in 1995, the periodic collapse of the leg attributed to the nerve damage, an allegedly estranged brother who promised my girlfriend to pay for credit cards if she got them and the credit card companies who gave a woman with a bankruptcy and had been unemployed for at least five years a total of three cards each with a limit of over $10,000. Still trying to address the past issues and the stress was getting to us, my girlfriend got involved in some scams.

Trapped in Virginia  This was before the recent real estate boom, over the prior decade the value of my property had increased by about twenty thousand, not enough to get my girlfriend out of the trouble that she was in. We were trapped in Virginia, this environment was killing us, neither of us had any family to speak of and having been born here, we were trapped. Like an animal in a trap, we were willing to gnaw our leg off to get out of the corrupt State of Virginia. So we did stupid, got scammed and once we discovered this we realized that we would be crucified again by the authorities.

Sleep Apnea  I kept falling asleep, passing out, for years I thought I was dying, it was discovered that I had a severe case of "Sleep Apnea" in 2006 - they discovered that my blood oxygen levels were below 50%. While I was incarcerated my cell mates complained about my snoring at night and my breathing - glad that they did not resolve their problem, it would have been funny if I had died in jail, guess that would have been swept under the carpet also. I would fall asleep anywhere, anytime, awaken gasping for air, one time I fell asleep standing in front of a glass case, luckily my head did not go through the glass when I collapsed. I had gained weight, so I expected that my time was limited and something had to be done before I fell asleep driving or something.

Alleged estranged brother  Allegedly her brother was wealthy, he informed his sister that he was going into Federal Witness Protection however he had business associates and assets in Africa, attorney's who would be getting in touch with his sister. They did and we did and this is how we got scammed - if they were bad and with the illusion of proactive "law enforcement" we would collect information on them, if they were good we would be well off. We would be able if necessary to "buy our law", maybe address our past issues on principle or maybe just go somewhere else, to a safer place. These scammers are good, their lies are consistent, every day there would be an excuse as to why they failed. What was of interest was "Western Union's" response when I claimed that we had been scammed on their service, they said that they knew about it and did not care to address what we had - two years of e-mail's and transactions. Kind of ironic, we get money and we have Citibank hunting us, we lose money and are dismissed by another American institution, Western Union. Of course there is the fear that if one goes to the authorities one would become their problem.

Credit card companies gave her a credit line of total of over $30,000.

In 2001 after her attorney deserted my girlfriend got three credit cards at the suggestion of her alleged brother, who convinced her that he would pay. I warned my girlfriend not to get the damn credit cards but she believed this brother - having been a foster child, denied contact with any of the families by her husband, she was desperate for family contacts. When she got the cards I figured that they would have a limit of around $500 apiece at the most $2000, from which I could have bailed her out of. I based this on her being unemployed, having filed bankruptcy and what work history she had was minimum wage. It was also based on memory of when I attempted to obtain credit cards, I could not get one for more than $500 for about three years and I had been employed. During this period my girlfriend started to get over her injury, the abuse and losses from the past decade. So the problem was for her to get a job, she used to be a cashier but since the injury her leg would give out on her - preexisting condition. Apparently the alleged brother did pay - the minimum on the cards allowing the debt to grow for around three years. Then the brother vanished, telling his sister that he was going into the Federal "Witness Protection Program". He also told his sister that he had significant overseas assets that before he left he would make available. His sister was left with debt, no way out and he had vanished giving her instructions. The credit card companies started calling me, at this time I discovered that my girlfriend had used my name as reference on the credit cards so they attached the debt to me. I had never agreed to the cards and the companies would not give me the information as to who was paying on them, according to the loan agents that demanded that I pay them to access my equity assets to bail us out. I was told that the only way to get out of these debts would be to charge my girlfriend of fraud. I do not believe that hers was the fraud, it was the brother and the credit card companies that were committing fraud against both me and my girlfriend.

The Brother - Jacque LeMere

My girlfriend ran into this individual during the 1989-1995 Crusades. She had been so estranged from all her family that I was glad that she was getting support, I had taken her to her foster family where she had confronted her foster father on his rape and so I was glad to see that she was reestablishing family contacts. If she was telling me a lie and this was someone who she was having relations with, I did not need the grief. Now I have never met this character, the only way I know about him is because the neighbors and friends would come by and ask about the limousine parked in front of my house. In ten years I have never seen this individual and my girlfriend never took pictures of him. Yet someone paid on the credit cards and the neighbors saw someone. Given that he lied to his alleged sister and suckered us into the world of "scammers", I have to wonder about his motives. Kind of like how the population of this country has been suckered into believing in the integrity of its government - he allegedly had money, foreign contacts and may have needed protection. Ten years is a long scam. Actually is Brother Did go into Federal Witness Protection. Did have foreign assets and we could not get them. Did have associates that had been assassinated and their wives needed help. Random Scammer Had my girlfriend get the cards and he would skim from the top. I never saw the bills as my girlfriend would put them in an envelope and mail them to him. After ten years, realizing that we were not profitable chose to provide the excuse and "bug out". Christian Attorney 1989-1995  who else would have the motive to target us for such period... The brother showed up during this period. The attorney made a claim in the courthouse that they would destroy us. The attorney made a claim in the courthouse that they were not being paid by their client. Abuse of process  was still up in the air and then was mysteriously dropped. I am sure that since my girlfriend confided with this brother, much like she confided with her mental health therapists - she was looking everywhere for advise. Church members showing up at my house. We took a neighbor to court with us one day and they disappeared for a while. When they returned they were smiling, followed by the husband's attorney, we then had problems with them, vandalism and harassment. Who would have the motivation to execute a ten year offensive with little profit, a religious group. Who knows, have had enough drama..... What I do know is that I will never find out who this individual is that caused us all this trouble. Law enforcement is too stupid, I cannot get these credit card companies to even admit that these cards were my girlfriends, forget about who paid. In order to survive, when I got loans I paid all my girlfriends debts that were attached to me, there is one debt left and it has not attached yet, they just call. When I ask who held the card the cannot answer, when I ask for all the payments they do not answer, they just want me to pay for a debt that is not mine.

The Ricky Scam  A company says that they would "get even" and then the next contact was her own bank, Citibank charging her with fraud. Apparently Citibank paid the money that my girlfriend was instructed to wire and then threatened her with fraud against them. The charge was not from the company whose check my girlfriend received, it was her own bank charging her. The company did not have to account for possible money laundering, illegal or even terrorist activities. What happened to this money ? Why was an employee sending company checks to strangers ? Did these corporations double their money - the company showed a profit that year. It is interesting how a victim of a scam becomes a victim of the banks, between the insurance, payoffs and obfuscation everyone profited but my girlfriend. There is that little question of "National Security", as a result of Citibank's meddling the focus was shifted from the corporation to an unemployed, injured woman trying something.

The Multiver / Citibank scam

In 2004 my girlfriend tried to obtain income from the Internet, someone, called "Ricky" identified an investment opportunity, it sounded like private Canadian investors wanted to invest in real estate here and needed a local representative. When the check came and passed the banks wait period my girlfriend thought that she may have found an opportunity. Then a new person contacted her and informed her that there had been a change in plans, she was to send the money to Germany. She found this suspicious so she informed them that she would honor the agreement but would not continue as it seemed to be money laundering. They informed her that they would get even and the next thing she knew Citibank was going after her. Citibank blamed my girlfriend of fraud, this was based upon an allegation by the Canadian corporation "Multiver". My girlfriend was never confronted by her accuser, she was confronted by Citibank who through their own actions made themselves the damaged party. Citibank actions abstracted the case from being between the accuser, Multiver Corporation, replaced themselves as the damaged party and the case became between Citibank and my girlfriend. We had expected that if the investment opportunity presented to my girlfriend was a fraud, that there would be a discussion between my girlfriend and Multiver Corporation. There were several questions that we had and the reason that she told them that she would not participate any further, followed by a threat. Change of tactics, what started as an investment opportunity became wiring the funds elsewhere. My girlfriend was contacted by someone else with instructions - indicating an organization. Sounded like "money laundering" my girlfriend told them so, told them that she would complete this transaction and then no longer participate - this was followed by a threat to get even. Either one or two things had happened, that resulted in my girlfriend obtaining a check for $40,000. Multiver had hired some bad employees in which case my girlfriend was as much of a victim as they were. Multiver was actively "money laundering", using plausible deniability to avoid accountability. Citibank damaged themselves by paying the amount, claimed fraud and insurance probably paid them. Citibank then claimed my girlfriend committed fraud against them and she is now paying them, Citibank is upset because my girlfriend has no income so they want her in jail - according to my girlfriends latest attorney. An interesting abstraction allowed by the law to entrap those that may have made a mistake. When the Citibank attorney from New York called he stated that Multiver claimed that they had a "bad employee" that was sending checks out - but they were not interested in hearing my girlfriends side. After all they had made themselves the damaged party and they blamed my girlfriend. This action by Citibank resulted in my girlfriends breakdown the court summons from her bank, the fear of attorneys, total desperation. It is interesting that these companies will negotiate down the indiscretions of those with resources, an individual that overspent yet here is an individual who is unemployed has been so since 1995 when they were injured, had been abused and has a bipolar disorder, who made a mistake. These people must be punished. Law Offices of Jonathan S. Gelber, PLLC -   The Virginia Citibank attorney, states that there is no negotiation in this case, my girlfriend must be punished. Here are some things about this Virginia State Bar member that remind us of previous members. The judge instructed this attorney and my girlfriend to go outside the court room and try to come to an arrangement. My girlfriend was unemployed, had no money, she did not agree, did not sign any document. This attorney then apparently went into the courtroom and told the judge that an agreement had been made so the judge made a judgment. This lie effectively accomplished the following: Skipped a judge possibly making a judgment in my girlfriends favor. Bypassed "due process" where an individual is present for a judgment - trust me judge, I am an "officer of the court". Demonstrates that lying to the courts is considered acceptable strategy for an "officer of the court" and throws question on the competency of the Virginia courts judgments. No "judge" can make a fair judgment based on lying "officers of the court". This attorney reminded us of the other time that a member of the Virginia State Bar lied to the courts and my girlfriend was effectively unrepresented. This was the court case that this legal service was supposed to address, my girlfriend went to court without an attorney on these peoples watch. Then there was the original summons, it was on our door and the court date on it was already past, it also stated that my girlfriend did not have to show up in court. There was no paperwork following that notice till the next summons for non-payment at which time we tried Pre-Paid Legal Service and their referral The Framme Law Firm and my girlfriend went to court unrepresented. This is truly a racket in favor of the banks, from delivering the summons on the court date, non-appearance, no notification till next summons.

Breakdown & another crusader  Her bank, Citibank was coming after her, she had a breakdown, severe anxiety attacks. This condition was started when she realized that she was in debt with no way out and I was trying to recover financially because of my stupidity in believing that what she told me her brother told her was an opportunity - that he had provided an escape hatch. I expected the risks involved with the losses if these things were a scam, what I did not expect was the abstraction practiced by the banks to avoid "due process", the active intervention by my girlfriends bank to become a damaged party and then go after their client rather than the originator of the scams.

Escape from Virginia  It is a shame that these attempts did not work out, we could have escaped from Virginia and possibly "done the right thing based on principle" and made these individuals accountable for their actions, by "buying" the law. We may have acted on principle or done the Christian thing and let God judge the individuals that we had come up against. Whatever the results are a police state or collapse of the society, karma. Why fight a system that the majority believes is functional and correct, much like the majority voted in the current administration twice so it is the will of the people. I keep claiming that it is an implementation problem, not a problem with the system.

My girlfriend was going to set up a "functional" womans shelter, without ties to "special interests" or bowing to the demand for information. Such as the courts demanding that we release our street address. When we had a "promisory note" we looked at a farm for such a place, glad we did not become committed in this inititiative.

Because of our "mistakes" we found ourselves looking for a solution and there is no solution to be found from the Courts or their minions.