Archives for March 2014

Equity Loan Scams – How to Become Homeless in 30 Days

Cleveland_night_homelessBy Jim Wilson

Although it appears pretty straightforward to set up a new equity loan, there are issues that you must deal with to steer clear of equity scams. Actually, many of the things that you’ll read here are not talked about much. Before you enter into your loan agreement, please investigate this…

Let’s make it abundantly clear that many lenders on the equity loan marketplace are legitimate lenders; although, a few lenders are taking advantage of the trusting people in society. These corrupted lenders grant sweet-sounding loans, yet fail to notify the borrower about hidden charges or balloon charges. Unnoticed costs are much stripped from loans, since the APR is a supposed safety net to the borrower that weeds out unrevealed fees. Abusive lending practices range from equity stripping and loan flipping to hiding loan details and packing a loan with further costs.

Equity Stripping is one of the leading scams on the loan marketplace. Lenders will try to seperate you of your hard earned cash by stripping most of the equity from your house. They will literally strip you of your home after you default on the loan. The lenders involved in equity stripping will much present to borrowers (Too good to be real) deals, leading you to swear that you are saving money. So, once the borrower says yes to the legal agreement, the lender will display brand new expenses, high interest, and other costs that puts pressure on the borrower, until he/she breaks and fails to make payments on the mortgage. The lender then repossesses the house, getting rid of the house for profit while the borrower is without a home and no where to turn.

Therefore, the Government has provided facts to help borrowers avoid losing money. Since equity stripping is becoming a massive industry, the Fed’s urge homeowners to watch out for equity stripping, let alone paying attention to lenders that are giving loans that reach above your wages. A clue to the fraud is when a lender says it’s all right to exaggerate your personal wealth. The lender may encourage you to take out a loan with monthly payments that are too high for your salary. The loan is allowed, because the lender reports your wages as higher than it really is.

The feds also urge borrowers to stay conscious of loan flipping, which is the process of switching loans regularly and asking for larger amounts of cash on each refinance carried out. Loan flipping goes this way: When a borrower falls behind on a loan, the lender offers to renew the loan and forgive any missing payments. Some lending firms are refinancing loans many times in a short window of time.

You will additionally want to watch out for PMI, which is personal mortgage insurance, which is a requirement; however, a few lenders try to charge for further coverage that is not required. Consequently, homeowners, especially families that are barely getting by, should read the facts of any loan presented painstakingly.

If a lender is pressuring you to sign a contract, you will need to find another lender, since pressuring borrowers is a dependable warning that the lender is pulling a scam.

In any case, the final choice for dealing with home equity scams will be up to you. Use the information in this report to find the best route for managing your finances and find yourself sleeping a little better at night.


img-siebertDr John Siebert a proven sociopath and sex pervert and thief has been now proven to be a criminal perjurer actively filing false sworn-to Affidavits and giving sworn-to testimony at Hearings in Cases brought against Siebert by at least 5 of his victims.

Siebert has committed willful and blaitant perjury in Cases brought against him in NY Supreme Court by Barbara Paolucci, Muriel Karass, Jim Couri, Richard Jacobs, Diane Kleiman and many others seeking money that Siebert stole from them and seeking damages as a result of Siebert’s botched Surgeries, narcotics abuses, sex molestings, etc.

Siebert has signed and filed a plethora of false Affidavits and has lied, cheated, engaged in extortion and and engaged in fraud to avoid paying his obligations. His lawyer Joseph M Burke has also Filed false Affidavits, Documents, letters, etc. Burke and Siebert engaged in conspiring with Referee Suter and pulled-off criminal fraud on the Court ghostwriting illegal Orders for Suter and for a Court in a scheme to rob millions from Mr Couri that Siebert stole. Siebert and Burke filed Perjured Affidavits before and to the following that Court Records confirm—– Judges Gammerman, Beeler, Heither, Stallman, Wooten. They also Filed perjured Affidavits with Referees Crespo, Lowenstein and Suter. Burke engaged in Fraud on the Beeler Court hiding and defrauding JSC Beeler falsly claiming that Siebert was a fit and respectable Doctor, while Burke was representing Siebert on Charges that Siebert sexually molested and butchered Patient Diane Kleiman and others.

Siebert at Hearings—-on review of the Siebert Transcript—– Denied over 50 times that he was and is a morally unfit Doctor ——-and denying that he was ever accused or charged as a sex pervert, morally unfit and repeatedly denied that any patient ever accused him of any sexual perverted acts. All of Siebert’s Denials were lies and known to be lies by Siebert and Burke at the time Siebert Testified—-in 2006—. At the time Siebert had been Charged and Convicted as a sex-predator and molester of Patients at NYU Hospital and was under Investigation by NY State Dept of Health for sexually abusing Patients.Siebert Denied these Facts under-oath and intentionally lied—–aided by Lawyer Burke.Soon after Siebert was Convicted and Fired by 5 Hospitals after proving that Siebert is a sex pervert.

The State of NY and Department of Health in 2013 Suspended Siebert and he Confessed to being “morally unfit” from before the year 2000. Siebert’s Confession establishes that all of his Affidavits and his Hearing Testimony are Blatant Fraud and Perjury and Crimes.

All the while Lawyer Joseph M Burke engaged in aiding in the scheme of perjury, condoned it and as a lawyer filed perjured Documents, aided Siebert by Crimes, in bribery, collusion, fraud, and attempted thefts of over $20Million from Mr Couri and other victims.

Burke and Siebert lied as to Siebert’s theft of Victim Paloucci’s money that Siebert tried to rob from Medicaid. Burke is a thief and a disgrace to the practice of law. burke has compromised Referee Suter and the ex-parte Emails prove that Burke conspired with Suter, and compromised him while Ghostwriting a illegal order Robbing Mr Couri until it was vacated.

Burke has engaged in fraud on the appellate Division, secreting records and lying, Burke has engaged in ex-parte activities with JSC Wooten observed by others and has filed false and perjured affidavits before 5 Judges aiding siebert in a massive scheme to rob over $20Million.

Siebert and Burke have now been Caught. the Record of Siebert and Burke’s perjury by Affidavit, letters to the Courts, Testimony at Hearings and other Proof via Emails, Court transcripts and other proof should be sufficient to establish the collusion and crimes documented establishing that Siebert is a thief and a perjurer not only butchering his Victims in thr Operating Room and sexually molesting them, but Robbing them by Criminal acts of fraud, perjury, tampering, bribery, and even extortion and blackmail.

Siebert and Burke are sociopaths and have injured many but they are now trapped rats as the evidence against them is “black and white” and is out of Siebert’s own mouth in the NY State Suspension Order Confessed to By Siebert and the Sworn-to Transcript of Siebert’s Rampant Lies——– with Burke in complicity———along with many other Affidavits of blatant and wilful Perjury engaged in by Siebert and Burke——–now proved to be documented perjury——by Siebert’s Confession in the Order of Suspension Filed by NY State Dept of Health——See Order posted on SCRIBD——and Siebert’s confession to being “Morally Unfit” and Admitting to sexually abusing and Molesting Patients from on and before the year 2000. Siebert has perjured himself in Dozens of Affidavits and at “Under-oath” Hearings during periods from 2004-2013, Falsly Swearing that he was and is a respectable Doctoir and NEVER ENGAGED IN ANY ACTS THAT WERE UNFIT AND THAT SEXUALLY OR OTHERWISE ABUSED PATIENTS. SIEBERT INTENTIONALLY DEFRAUDED THE COURTS, THE PLAINTIFFS WHO HE OWES A FORTUNE TO AND ALL OF THIS WAS SUBORNED BY CORRUPT LAWYER JOSEPH M BURKE AND RUSSO-BURKE ESQS. SIEBERT ENGAGED IN RAMPANT CRIMINAL PERJURY AND A COVER-UP OF HIS CRIMINAL ACTIVITIES AND NOW HAS BEEN CAUGHT OUT OF HIS OWN MOUTH.

These dishonest and unethical villains belong in prison as they are menaces to society. Please see SCRIBD for many Affidavits and Documents revealing Siebert’s Victims Reports about the despicable acts of John Siebert MD.