Thursday, March 7, 2013

Valuable Divorce Advise


Jeff Landers, Contributor
I write for women who are going through a financially complex divorce.
FORBESWOMAN 
|
 
5/22/2012 @ 10:23AM |7,710 views

How Some Men Are Upending Domestic Violence Laws to Scam an Advantage in Divorce

Last month, I discussed the top six underhanded tactics used by husbands during divorce.

As a quick recap, let me remind you that those dirty tricks are:
  • “Conflicting out” all the top divorce lawyers.
  • Stalling and delaying.
  • Exerting pressure to proceed too quickly.
  • Denying access to financial resources.
  • Hiding assets.
  • Failing to pay court-ordered support or refusing to relinquish assets.
Now, I’d like to add to that list with two more devious strategies, both of which hinge on the manipulation of domestic violence laws –the very laws that, ironically, were implemented to protect women, not harm them. Here are the two “new” underhanded tactics which divorce professionals are seeing crop up with increasing frequency:
1. Husbands claiming their wives are abusers.
This ploy is just as ugly as it sounds. Some men are upending domestic violence laws so that their wives (who are the true victims) are arrested, prosecuted and even sentenced as abusers.
In the foreword to the new book, Hanging On By My Fingernails: Surviving the New Divorce Gamesmanship, and How a Scratch Can Land You in Jail, written by Janie McQueen, Tamara N. Holder, a Chicago criminal defense attorney, explains how the scam works:
“Unfortunately, many abusive men have learned to reshape domestic violence laws into another weapon of abuse. They are turning police and court protections upside down: The abusers themselves call 9-1-1; they have the women arrested for domestic violence; and then they do everything they can to try to have the women prosecuted and sentenced. In this way, the true victim is painted as the abuser.
There is a deeper motivation in using this ploy; to show a pattern of “violent conduct” on the woman’s part so that the abuser can use it as evidence against her in a divorce or child custody battle. And this form of abuse is permanent. A bruise heals after a few days, but a conviction for a violent crime mars her record forever.
The set-up: A couple has a fight. Either the wife calls 9-1-1 in a desperate plea for police intervention, or the husband makes the call first in a preemptive attack. When the police arrive, the woman is visibly upset. The man, on the other hand, is extremely calm as he switches off his anger. The husband tells the police that his wife is delusional, crazy, and violent. Depending on how convincing the man’s story is to the police officer, and the state’s law on domestic violence, either both people are arrested or the woman is arrested.
In the case of a dual arrest, which some states discourage, the woman often tells prosecutors she doesn’t want to testify against her husband, so the case is dismissed. Meanwhile, the husband is determined that she be prosecuted. Instead of the prosecutors looking into the history of the relationship before proceeding with the criminal case, they move full speed ahead. The wife is usually cut off from her husband’s financial support so she cannot pay for defense against him. As a result, she is forced to take a plea to the charges because she cannot afford to defend herself. She fears taking the case to trial, losing, and going to jail.”
Just last month, the divorce between Pro Football Hall of Famer Deion Sanders and his wife Pilar made headlines when police responded to a disturbance call at the Sanders’ home.  The next day, Pilar was arrested and charged with simple assault. Now, her attorney says Pilar’s arrest following allegations that she attacked the former NFL cornerback was “a complete setup.”
Clearly, the courts will have to decide who’s guilty of what in the Sanders’ case, but the attorneys I talk to tell me circumstances like these are becoming more and more prevalent. Sadly, an arrest ploy as Ms. Holder describes above can have devastating consequences for the woman involved, including criminal trials, lingering criminal records, distorted custody battles and financial losses.
“Victims of these increasingly common set-ups face criminal charges alongside their emotionally depleting divorce and custody cases, which are, of course, by now stacked against them,” Janie McQueen, the author of Hanging On By My Fingernails: Surviving the New Divorce Gamesmanship, and How a Scratch Can Land You in Jail, told me. “Even if the victim is able to gather the resources to hire a criminal defense attorney and get the charges dropped, she remains tied up with clearing her name and repairing all the damage while her spouse goes about setting up the rest of the divorce.”
Ms. McQueen, a former crime reporter, was once a victim of these ploys herself.
“There is far more to this ploy than someone going from minding her household to sitting in jail,” she explained. “The emotional trauma can’t be overstated. What is happening is, the abuser is using the system to perpetuate the abuse. She thinks: who, then, is on her side?”
Unfortunately, these scams undermine sound public policy and create confusion that, paradoxically, ends up protecting abusers.
“Domestic violence issues have become so heated and politicized that it’s difficult to make people even listen to what is really going on, to realize there is a difference between a true DV situation and this scam that manipulates the stiff arrest laws,” Ms. McQueen concluded. “This is a situation that carries a ‘guilty until proven innocent’ stigma. Even strong proponents of the Violence Against Women Act seem not to understand this backlash effect of the perpetrator playing the victim, or they perceive exposure of these very real set-ups as criticism that would weaken their lobbying efforts. I think swift arrest laws through VAWA are needed—but we need to figure out how to tweak the system to identify the true perpetrator.”
2. Coerced debt.
As the name implies, “coerced debt” occurs when the abuser in a violent relationship uses fraud or coercion to obtain credit in the victim’s name. For example, the abuser (typically the husband) might:
  • Secretly open credit card accounts in the victim’s name
  • Trick the victim into relinquishing her rights to certain marital assets
  • Coerce the victim into signing financial documents
As a result, the victims of coerced debt often are left with the devastating consequences of negative credit. They have difficulty opening credit card accounts, obtaining loans, renting, even finding a job –not to mention the time and expense required for credit repair.
The problem of coerced debt is quickly emerging as a significant threat for divorcing women, and unfortunately, it appears that current laws are far from sufficient to deal with this growing problem. In fact, current laws may be exacerbating the problem. As Angela Littwin explains in Coerced Debt: The Role of Consumer Credit In Domestic Violence:
“For its part, the credit reporting system is singularly unprepared to handle issues at the intersection of debt and domestic violence. In theory, a credit report should be an accurate testament to an individual’s creditworthiness. But in practice, credit reports are notoriously error-laden, and there are three major reporting bureaus, which each require separate advocacy. Most importantly for survivors of coerced debt, the forums available for resolving these errors are lacking in any procedure by which a consumer can argue that an item on her report does not predict her future riskiness as a borrower, tenant, or employee.
In other words, marriage law does not allow for the resolution of coerced debt, because creditors are involved. And the credit system – to the extent that it acknowledges family issues at all – operates under the assumption that family law has already settled any marriage- or relationship-based questions of legal rights and duties. The legal system that acknowledges domestic violence cannot effectively adjudicate matters of consumer debt, and the consumer credit system currently has no mechanism for addressing questions of domestic violence.
This combination of legal gaps has left victims of coerced debt in an untenable position. Debt about which they did not know or to which they did not consent is marring their credit reports and increasing their already-high barriers to obtaining housing and employment – two essential building blocks to economic self-sufficiency. In this way, coerced debt may be directly contributing to domestic violence, by undermining victims’ ability to leave and remain free of abusive relationships.”
Even under the best of circumstances, divorce is complicated and emotionally trying. For women who are victims of abuse, the process is exponentially more difficult –and growing more so, now that husbands are trying to manipulate domestic violence laws and coerce debt. As I have mentioned in a previous article, if you are involved in an abusive relationship, please seek help. There are community-based organizations, private counselors and therapists and other professionals who can offer the immediate assistance you need. They can help you create a plan that will keep you and your children safe. Once you are safe, you can start to take even more steps toward a brighter and financially secure future.
——————————————————————————————————————
All articles/blog posts are for informational purposes only, and do not constitute legal advice. If you require legal advice, retain a lawyer licensed in your jurisdiction. The opinions expressed are solely those of the author, who is not an attorney.
For further information, please go to our website at:http://www.BedrockDivorce.com or email Jeff at:Landers@BedrockDivorce.com.



FORBESWOMAN 
|
 
4/17/2012 @ 11:40AM |9,002 views

How "Conflicting Out" Top Divorce Attorneys Can Impact Your Divorce


LOS ANGELES, CA - APRIL 28: Model Heidi Klum a...
Heidi Klum & Seal: Getty Images via @daylife
I am not in favor of dirty tricks during divorce. However, pretending they never happen doesn’t do anyone any good, either.
Divorcing women need to understand the full range of tactics some husbands use, and they need to be proactive –not reactive –as they work to secure the best possible divorce settlement. To that end, if you are contemplating divorce, you need to know about a tactic I see quite often in financially complex divorce cases:
“Conflicting out” all the top divorce lawyers
By “conflicting out” certain attorneys, your husband can make it difficult for you to hire the lawyer that’s best for you. Here’s how it works: He makes appointments with all the top lawyers in your area. Then, he meets with each one –but only for a short time. All he needs to do during those meeting is share enough information to create an attorney-client relationship. Once he does, that particular attorney will be prohibited from representing you.
Of course, your husband doesn’t actually have to hire any of these attorneys. The entire goal with this tactic is to “conflict out” attorneys so they cannot be hired by you.
Celebrities frequently use this strategy –and men aren’t the only ones that do. In fact, Heidi Klum made headlines earlier this year for divorce attorney “shopping” in Los Angeles. Of course, Heidi simply may have been interviewing divorce attorneys to find the most qualified and the one she would be most comfortable with – a perfectly legitimate endeavor.
The lesson here is simple. Don’t procrastinate when hiring a divorce attorney. If you do, you could miss out on the opportunity to retain a great lawyer!
What are some other tactics used by husbands during a divorce?
Don’t get me wrong. Not all divorces are bitter battles. Some are relatively amicable, and the vast majority are settled outside the courts. However, atBedrock Divorce Advisors we’ve seen quite a few underhanded financial and legal tactics employed by husbands or their divorce teams.
Many husbands will also:
Stall and delay. By repeatedly rescheduling court hearings and/or filing excessive motions and requests for evidence, a husband can drive up his wife’s legal costs and stretch out the time during which she must cover living expenses. In these cases, the husband is hoping she’ll run out of money and be forced to agree to his settlement offer, which is often extremely unfavorable to her.
Exert pressure to proceed too quickly. A husband who wants his wife to agree to a “quick” settlement may have something to hide. For instance, very early in the process, the husband’s attorney may send over a settlement proposal for the wife to review and counter.  Usually, this means the husband just wants to get the divorce over and done with quickly, and he wants his wife to settle for what appears to be a reasonable offer.  The problem, of course, is that in many cases, she has not received all the discovery documents requested, so she doesn’t have complete knowledge about key financial matters, such as marital assets, income sources, expenses, what they owe and what’s owed them.
Rushing to get a settlement is especially sneaky if the husband has been busy hiding assets and/or income and now he is trying to get her to agree to a 50-50 split of only a portion of their total assets!
Deny access to financial resources. Unfortunately, many married women do not take a hands-on approach to the family finances. During a divorce, a husband can use her lack of knowledge to his advantage. He can ensure that only he can access family funds, cut off his wife’s credit cards, move funds out of family accounts, etc. Actions like these can leave his wife without the money necessary to buy groceries, much less hire the right divorce team to represent her…while he hires an excellent team to represent him.
This is especially problematic for abused women who live in constant fear of harm—to themselves and/or their children.
Hide assets. As I have discussed at length in earlier blog posts (see 21 Signs That Your Husband May Be Hiding Marital Assets During Your Divorce andDivorcing Women: Here’s Where Husbands Typically Hide Assets), hiding assets during a divorce is sneaky, unethical and illegal –but it happens much more frequently than most women expect.
Fail to pay court-ordered support or refuse to relinquish assets.Husbands who don’t follow court orders are breaking the law –and they force their wives to try to extract the promised payments at considerable legal cost long after the divorce is over. What’s more, all this financial and legal wrangling is terribly time-consuming. Some women have to take time off from work to deal with these issues, and that can put their jobs in jeopardy. Sadly, many family courts do a poor job enforcing such orders, even when a woman follows its requirements to the letter, and even for a well-meaning judge, deception on the part of an ex-husband can be difficult to decipher or prove.
Because there are so many different dirty tricks, I recommend that women maintain their own emergency fund in a separate bank account, even if divorce has never entered their minds. If you are contemplating divorce, make sure you start organizing your personal finances and important documentsunder the guidance of a qualified divorce financial strategist.  During the divorce, you’ll need to Think Financially, Not Emotionally® so you can keep your finances intact while planning for a secure financial future.
——————————————————————————-
All articles/blog posts are for informational purposes only, and do not constitute legal advice. If you require legal advice, retain a lawyer licensed in your jurisdiction. The opinions expressed are solely those of the author, who is not an attorney.
For further information, please go to our website at:http://www.BedrockDivorce.com or email Jeff at:Landers@BedrockDivorce.com.

FORBESWOMAN 
|
 
3/20/2012 @ 10:11AM |8,225 views

21 Signs That Your Husband May Be Hiding Marital Assets During Your Divorce


Stacks of money
Stacks of money (Photo credit: Wikipedia)
Last week, while my post about hidden assets was racking up thousands of readers, news broke that a Russian billionaire allegedly bought an $88 million apartmentas a ploy to scam his wife during their divorce.

To me, these related –albeit completely independent –events are evidence of two key points: 1) The topic of husbands hiding assets hits a nerve with many women, and 2) Husbands hide assets (or at least, try to hide assets) much more frequently than most wives expect.
So, let’s keep this conversation going.
Today, I’d like to dig a little deeper into the topic of hidden assets, and to do so, I’ve enlisted the help of my colleague, Miles Mason, Sr., JD, CPA, founder of Miles Mason Family Law Group, PLC, in Memphis, Tennessee, and author of The Forensic Accounting Deskbook: A Practical Guide to Financial Investigation and Analysis for Family Lawyers, published by the American Bar Association.
As Miles points out, it’s important to shine a spotlight on the topic of hiding assets because divorcing women are often too shy or intimidated to report their husbands’ dirty tricks. Why? Because divorce victims mirror fraud victims.
“Fraud victims are often too embarrassed to report the crime,” Miles explains. ”Spouses married to persons lying, cheating and stealing in the divorce become demoralized. The spouse counts on the victim’s will breaking down. Victims blame themselves and want to settle for less than a reasonable settlement.”
If you’re divorcing, please don’t let that happen to you. Educate yourself and lean on the expertise of a qualified divorce team to help you get the settlement you deserve. To help you wrap your arms around this complicated topic, here are a few of “the basics” Miles teaches his clients:
Red flags seem obvious, once you know what to look for. You may have good reason to be suspicious if your husband:
• Maintains complete control of bank account information and online passwords.
• Is secretive about financial affairs.
• Owns a P.O. box or private mail drop box, which receives account statements and bills.
• Has meaningful unreimbursed business account expenses.
• Deletes one or more personal financial programs, Quicken or Quickbooks.
• Says the computer containing important financial records has mysteriously “crashed.” Then, he removes the hard drive for a data retrieval attempt, and it’s never to be seen again.
• Acts pushy when obtaining signatures on important documents, like tax returns and deeds. “I need to get this to our accountant today,” he insists.
• Proposes an execution of mutual durable power of attorneys for “estate planning” purposes.
• Enjoys out-of-town business junkets with his befriended, slippery financial advisor.
• Develops SIDS (Sudden Income Deficit Syndrome). “My business is failing” suddenly crops up.
• Suffers an income decrease without a corresponding reduction of expenses.
• Binges on unusual purchases of flashy items, such as a car and jewelry.
• Reports a dramatic decrease in value of marital and/or business investments.
• Owns multiple cell phones or numbers over a relatively short period of time.
• Makes frequent trips to countries with relaxed banking laws.
• Exhibits childish greed and claims of entitlement.
• Makes unusual purchases of toys or art that could be sold later.
• Starts drawing on large amounts of debt.
• Is involved in drug abuse.
• Gambles more frequently than usual and is placing money “on account” with casinos.
• Opens multiple business or personal bank accounts without obvious reasons for having that many.
A husband who hides assets usually has very specific, predictable objectives. In general terms, his goals are to:
1. Hide, understate, or undervalue certain assets,
2. Overstate debts,
3. Report lower than actual revenue, and/or
4. Report higher than actual expenses.
Most tactics are predictabletoo. Here are a few of the most predictable strategies Miles has seen, along with the advantages and disadvantages for each:
• Hoarding unrecorded cashAdvantage: Removing cash (currency) lacks a paper trail, and offshore bank accounts are relatively easy (from a legal standpoint) to open. Disadvantage: Laundering over $100,000 in currency can be time consuming and will likely require travel. Depending on the circumstances, this tactic could involve the very serious criminal acts of money laundering, violation of cash transfer reporting requirements, federal income tax fraud and perjury.
• Secreting already recorded cash receiptsAdvantage: This can be completed as part of a complex accounting scheme, which may be too complicated or expensive to discover. Disadvantage: Once cash is recorded, its absence or transfer is discoverable.
• Understating revenue. Advantage: The business owner has lots of options from which to choose. Some are simple and easy. Deferring revenue by manipulating the timing of revenue or accounts receivable may not constitute tax fraud. Disadvantage: Depending on the business owner’s sophistication, this can require a fairly predictable co-conspirator. If the co-conspirator is placed under oath, the scheme could result in perjury charges for the husband.
Scams to hide money often involve handing cash or transferring ownership of valuable assets to buddies, siblings, or parents to hold until sometime after the divorce is final. These schemes usually include deceptive cover stories, financial statement manipulation and lying under oath. Sometimes the stories even become more intricate, involving failing businesses, gambling addictions and other personal failures.
“The more believable the story is that the money is gone, the more likely the victim will give up looking for it,” Miles says.
Let’s consider an example. Pretend your husband’s business owns a vacant building. Your husband may complain that the property taxes are long overdue and the building is worth less than the cost of paying them. Then, prior to the divorce filing, he brags that the business sold the building to a stupid investor who is now “stuck” with having to pay the overdue taxes. At first this may sound like a great deal: the business is rid of the purported albatross, and the business and marital estate is purportedly saved thousands of dollars. But, the reality is quite different. The taxes were never behind, and the purchaser was your husband’s nefarious financial advisor and personal friend. The transfer was recorded, but the handshake deal will result in your husband and his friend splitting the profits from its sale a year or so after the divorce.
As I pointed out last week, timing is critical to detect schemes using financial statement manipulation, and benchmarks are key. Ideally, a woman must be financially aware and involved from the onset of her marriage. Consistent participation from the start is critically important because: 1) If your husband has been hiding income/assets over years or decades, it will become virtually impossible to trace/find them, and 2) Being financially aware and involved helps form the foundation of happy marriages where a divorce is not even a possibility. (If your husband becomes incapacitated or dies, a working knowledge of your assets/liabilities and income/expenses and where all your accounts and important documents are located will be vitally important.)
Remember, your husband doesn’t have to be a billionaire to be guilty of hiding assets. Dirty tricks happen more often than women expect, and you’ll need to Think Financially, Not Emotionally® so you can keep your finances intact during the divorce proceedings while you plan for a secure financial future post-divorce, as well.
———————————————————————————
Jeffrey A. Landers, CDFA™ is a Divorce Financial Strategist™ and the founder of Bedrock Divorce Advisors, LLC (http://www.BedrockDivorce.com ), a divorce financial strategy firm that exclusively works with women across the nation, who are going through, or might be going through, a financially complicated divorce.
He also advises happily married women who have seen their friends blindsided by a divorce initiated by their husbands and wonder (wisely) how financially vulnerable they’d be in that situation. Jeff developed the nation’s first Just in Case(TM): Secure Your Financial Future, a one-hour program, which quickly shows married women how to be prepared in the event of a future divorce with immediate, practical steps. He can be reached atLanders@BedrockDivorce.com.
All articles/blog posts are for informational purposes only, and do not constitute legal advice. If you require legal advice, retain a lawyer licensed in your jurisdiction. The opinions expressed are solely those of the author, who is not an attorney.
Follow Jeffrey A. Landers on Twitter:http://www.twitter.com/Bedrock_Divorce

22 comments:

  1. Divorce is becoming a trend, not only in celebrity world, but also in society. is it because of the increasing violence?

    ReplyDelete
    Replies

    1. Hello everyone reading this wonderful testimony,my wife dumped me 8 months ago after I accused her of seeing another man and insulting her.I want her back in my life but she refused to have any contact with me. She changed her line and block me not to have any contact with her. I was so confuse and don’t know what to do. So I reach to the internet for help and I saw a testimonies of how this powerful spell caster help them to get their ex back. So I contact the spell caster whose name is Dr Osato on the email (relationshipspell@gmail.com) and explain my problem to him and he cast a spell for me and assure me of 2days that my wife will return to me, and to my greatest surprise,the Second day of it my wife came knocking at my door and she beg me to forgive her and accept her back. I am so happy that my love is back again. Dr Osato,he is truly talented and gifted. Email him for any kind of help at RELATIONSHIPSPELL@GMAIL.COM He is the only answer to relationship and marrriage issues. He can be of great help and I will not stop publishing his good work because people are still talking about him on the Internet.

      Delete
  2. After being in relationship with him for seven years,he broke up with me, I did everything possible to bring him back but all was in vain, I wanted him back so much because of the love I have for him, I begged him with everything, I made promises but he refused. I explained my problem to someone online and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back but I am the type that never believed in spell, I had no choice than to try it, I mailed the spell caster, and he told me there was no problem that everything will be okay before three days, that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4pm. My ex called me, I was so surprised, I answered the call and all he said was that he was so sorry for everything that happened, that he wanted me to return to him, that he loves me so much. I was so happy and went to him, that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there. Anybody could need the help of the spell caster, his email: drehijelespellhome@gmail.com you can email him if you need his assistance in your relationship or anything. CAN NEVER STOP TALKING ABOUT YOU SIR HIS EMAIL
    ADDRESS IS:drehijelespellspellhome@gmail.com CONTACT HIM NOW FOR SOLUTION TO ALL YOUR PROBLEM

    ReplyDelete


  3. !!! How I Get My Ex Back !!!

    My Name is Silvia Quelal am from Florida, am a woman who love and cherish my husband more than any other thing you can imagine on earth continent. My husband was so lovely and caring after 2years of marriage he was seriously ill and the doctor confirm and said he has a kidney infection that he needed a kidney donor, that was how I start searching for a good Samaritan who can help,doctor has given me a periodic hour that he will live just 26hours left, that was how I ask the doctor if I can be of help to my husband that was how he carried out the text,the confirming was successful, I was now having this taught that since 2 years now we got married I have not be able to get pregnant can I be able to get pregnant again? That was the question I ask the doctor, he never answer his response was did you want to lost your husband? I immediately reply no I can't afford to loose him. After the operation my husband came back to live and was healthy I was also ok with the instruction given to me by the doctor, after 3months my husband came home with another lady telling me, that is our new wife that will give us kids and take care of us, that was how I was confused and started crying all day, that was how my husband ran away with his new wife Queen. Since then I was confuse don't no what to do that was how I went back to the doctor and tell him everything, he told me that, this is not just an ordinary it must be a spiritual problem that was how he gave me this email (okosisi.temple@gmail.com) that I should tell him all my problem that he can help that was how i contacted him and I do as instructed. After 4days and I have done what he ask me to do, my husband start searching for me and went back to the doctor, that was how we were settle he also told me not to worry that I will get pregnant, this month making it the 2 Month I contacted him am now 3Week pregnant. Thank to Dr.Ben is a great man, if you are any kind of problem you can contact him here on his email (okosisi.temple@gmail.com)


    ReplyDelete
  4. After 9 years in marriage with my hubby with 3 kids, my husband started going out with other ladies and showed me cold love, on several occasions he threatens to divorce me if I dare question him about his affair with other ladies, I was totally devastated and confused until an old friend of mine told me about a spell caster on the internet called DR. ADIMA who help people with their relationship and marriage problem by the powers of love spells, at first I doubted if such thing ever exists but decided to give it a try, when I contacted him, he helped me cast a love spell and within 24hours my husband came back to me and started apologizing, now he has stopped going out with ladies and he is with me for good and for real. Contact this great spell caster for your relationship or marriage problem and all kinds of problem you find difficult to resolve and he will put a lasting solution to it. He can also cure HERPES with 100% guarantee. Here is his email address, dradimalovespell@gmail.com Good-luck to you. dradimalovespell@gmail.com

    ReplyDelete
  5. Hello my dear viewers,I am Schmidt Gunther, i will say to the world to celebrate with me on this numerous testimony, i never believe i could ever get rid of this horrible disease until one fateful day,my story and appreciation goes to Dr. Okojie the powerful great doctor that help me to cure my HIV/AIDS disease from my life,he is truly a truthful man with high herbs power's he uses on saving people's life, just a few days back i came in contact with Dr. Okojie emails which many individuals have testify so much about of his kind work, so i decided and contacted him quickly because the disease was almost at the last minute of taking my life, i have tried all remedies from several physicians from hospitals but none could help me apart from Dr. Okojie who finally cure my HIV/AIDS disease, i was amazed and overwhelmed when the doctor confirmed me negative in the same hospital i have been before,i wish to anyone that is sick today and want healing to please contact this doctor (drokojieosunspellhome@gmail.com) so if you have any problem HIV, HERPES, CANCER, ALS,HEPATITIS B, DIABETIC,or call +2349056642940. thanks sir.

    ReplyDelete

  6. (MUST READ: HOW I GOT MY HUSBAND BACK AFTER DIVORCE)
    I am from Norway, i want to testify of how i got back my husband after he divorced me, I and my husband got married 6yrs ago and live together for 9yrs, we have lived as a one happy family with two kids, 8 months ago my husband started behaving strangely, i suspected he was going out with another woman, when i confronted him about it, he shout at me and it led to quarreling and fighting.He filed for a divorce against me, i was so confused and totally devastated, i tried all i could to get him back but all to no avail until i saw a post in a relationship forum about a love spell caster called Dr Shiva who cast love spell to help people to regain back lost love in relationship and marriages, at first i doubted if it was true but later i decided to give it a try, when i contacted Dr Shiva via email (reunitingexspell@yahoo.com)and explain my problems to him, he helped me and cast a re-union love spell and my husband come back to me within 42hours,i was so surprise and i never thought it could work fast but now i am a living testimony of Dr Shiva and i will continue to share this goodness to the entire world for what Dr Shiva did for me.You can contact this love spell caster for your relationship or marriage problems via email reunitingexspell@yahoo.com

    ReplyDelete

  7. Hello everyone reading this wonderful testimony,my wife dumped me 8 months ago after I accused her of seeing another man and insulting her.I want her back in my life but she refused to have any contact with me. She changed her line and block me not to have any contact with her. I was so confuse and don’t know what to do. So I reach to the internet for help and I saw a testimonies of how this powerful spell caster help them to get their ex back. So I contact the spell caster whose name is Dr Osato on the email (relationshipspell@gmail.com) and explain my problem to him and he cast a spell for me and assure me of 2days that my wife will return to me, and to my greatest surprise,the Second day of it my wife came knocking at my door and she beg me to forgive her and accept her back. I am so happy that my love is back again. Dr Osato,he is truly talented and gifted. Email him for any kind of help at RELATIONSHIPSPELL@GMAIL.COM He is the only answer to relationship and marrriage issues. He can be of great help and I will not stop publishing his good work because people are still talking about him on the Internet.

    ReplyDelete
  8. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  9. We have BG/SBLC, specifically for buy/lease at a leasing price of 4+2 & 32+2 of face value Issuance by HSBC London/Hong Kong or any other 25 top AA rated Bank in Europe, Middle East or USA.

    We also secure funding, project loans for 3% APR

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    If Interested kindly contact the details below.

    Name :Mark Anthony
    Email:mcanthonyfinance@gmail.com
    Skype:Mark Anthony Finance

    ReplyDelete

  10. WE AT THE WINONA MILLARAY LOAN FOUNDATION IS CURRENTLY CONDUCTING AN END OF THE YWAR GIVE AWAY BONONAZA PACKAGE TO ALL OUR CLIENTS BOTH OLD AND NEW THAT ARE CURRENTLY LOOKING TO GET A NO UPFRON FEE LOAN FOR THIS SEASON AS IT IS JUST %2 PERCENT GUARANTEED LOAN ORDER .


    DO YOU NEED A LOAN FUNDS WITHOUT NO HIDDEN UPFRONT PAYMENT OR FEES ? YOUR CHANCE COMES NOW .

    GET OUR FAST AND GENUINE LOANS NOW WITHOUT ANY UPFRONT PAYMENT AND FEES .

    HELLO LOAN SEEKERS ...

    Hello Everyone,


    Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organization, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who have been calculated to be in the loan lending business/sector for 3 decades (30 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction. the CEO of the Winona Millaray loan foundation with branches across Asia, Europe , America , and Africa as we are up to lease any kind of loan to serious minded business men / investors like you .

    Our dignity is to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans Should you need any kind of property investment loan / general type of loan .. do not hesitate to hit me on the company email address for more info on how our online loan release deals works as our online loan release terms and condition are very flexible , which means that .. it was carved out for great benefit to the entire world business active / engaged individual populace .

    What is the loan Process ?

    One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose.

    The verification / approval process is physically done within 6 hours on submission of all documents required.

    The time frame of getting an unsecured international loan funds that we are currently providing is not more than 24-48 hours as it highly depends on the total commitment and seriousness of such an esteemed borrower during the loan processing period which may take 1-2 day.

    Here are a few of the options we are currently offering from this new year:

    -Medical Expense Loans

    - Start-Up Buienss Loans

    - Bad Credit Financing

    - Business Lines of Credit /Expansion Loan

    - Equipment Financing

    - Unsecured Business Loans

    - Term Loans

    - Micro Loans

    - Non-Traditional Lending

    - Investor Capital

    -Vehicle / Car Loan

    -Company Loan / Industrial Loan

    -Debt Settlement / Consolidation Loan

    -Military Personnel Loan

    -General Type of Loan Etc .

    FEEL FREE TO CHECK ON ME ON MY PERSONAL EMAIL ADDRESS SO THAT WE CAN TALK MORE .

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com


    You all are free to apply now for an unsecured legitimate and a guaranteed loan from the WINONA MILLARAY LOAN FOUNDATION as we are all ready and set to fulfill your various financial desires and dreams this season by granting you loans this New Year season .

    TAKE NOTE: THE RULES AND REGULATIONS THAT HAS BEEN LAID DOWN HERE CANNOT BE BEND TO SATISFY ANY CUSTOMER WANTS, AS EVERY CUSTOMER IS EXPECTED TO MEET WITH THE RULES / TERMS IN TRYING TO ACQUIRE A LOAN HERE. IF ANYONE COULD NOT MEET WITH IT HERE, HIS OR HER LOAN APPLICATION WILL BE CANCELLED.

    Regards,

    Pastor Mrs Winona Millaray .
    Director of Operations

    ReplyDelete
  11. WE AT THE WINONA MILLARAY LOAN FOUNDATION IS CURRENTLY CONDUCTING AN END OF THE YWAR GIVE AWAY BONONAZA PACKAGE TO ALL OUR CLIENTS BOTH OLD AND NEW THAT ARE CURRENTLY LOOKING TO GET A NO UPFRON FEE LOAN FOR THIS SEASON AS IT IS JUST %2 PERCENT GUARANTEED LOAN ORDER .


    DO YOU NEED A LOAN FUNDS WITHOUT NO HIDDEN UPFRONT PAYMENT OR FEES ? YOUR CHANCE COMES NOW .

    GET OUR FAST AND GENUINE LOANS NOW WITHOUT ANY UPFRONT PAYMENT AND FEES .

    HELLO LOAN SEEKERS ...


    Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organisation, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who has been calculated to be in the loan lending business/sector for 3 decades (30 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction.

    Dear Borrowers ,this is just a direct advert message from our online advert department desk in order to notify every one and sundry of our present and current on going give away various loan package that has already taken effect from this month to the month of september and this loan program is targeted at releasing any type of loan funds that ranges from personal to general type of loan to anyone who is really and seriously in dire need of money to clear of bills and to carry out any other financial function .

    You all are free to contact the company application post on this 2 various email addresses listed bellow.

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com

    What is the interest rate / ... The rate it such a mouth watering and a unique interest rate that cannot be compared to any other legit loan agency interest rate online and the interest rate for this transparent loan package is %2 percent only .


    What is the loan Process?

    One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose. The verification / approval process is physically done within 6 hours on submission of all documents required.

    The time frame of getting an unsecured international loan funds that we are currently providing is not more than 24-48 hours as it highly depends on the total commitment and seriousness of such an esteemed borrower during the loan processing period which may take 1-2 day.

    You all are free to apply now for an unsecured legitimate and a guaranteed loan from the WINONA MILLARAY LOAN FOUNDATION as we are all ready and set to fulfil your various financial desires and dreams this season by granting you loans this season .

    You all are free to contact the company application post on this 2 various email addresses listed bellow.

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com

    Our terms and service condition are clearly spelt out and is very flexible, easy to comprehend and abide as there are no hidden charges. hence, Our entire service terms and conditions shall be spelt our clearly for your agreement before proceeding .

    Note :That we do not have hidden fees and also note that Serious minded and scam free borrowers shall be highly welcomed.

    Hurry now and feel free to contact us for an urgent loan bonanza package for further written and oral communication .

    YOU ARE ALL BLESSED AND UPLIFTED AS YOU APPLY .

    Signed By ,

    The Company Management .

    ReplyDelete
  12. I got my already programmed and blank ATM card to withdraw the maximum of $340,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week and I have used it to get $280,000 already. (martinshackers22@gmail.com) is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. Get yours from MR PEDRO today! Just send an email to (martinshackers22@gmail.com)....

    ReplyDelete
  13. Herpes cure Testimony
    I was diagnosed with Genital Herpes for the past 2 years and I have been searching for a cure. I read a testimony on this platform of a lady who was cured from Diabetes with doctor Ahmed Usman Herbal medicine including the doctor's official email address. I contacted the doctor through his email, after much discussion and a few questions he prepared Herbal medicine and asked for my address. I received the Herbal medicine 3 days later and with his prescription I drank the Herbal medicine for 21 days. After concluding the herbal medicine I went for a test and my IgG result was confirmed Negative with no trace of the virus on my blood. Contact doctor Ahmed and be cured. email him on; drahmedusman5104 @ gmail . com or send him a whatsapp text +14436204203. He has Herbal cure for Diabetes, Hepatitis, Heart diseases. Hypertension, Strokes and Liver disease, Fibroid, Cancer, Asthma, Leukemia, Epilepsy, Menopause diseases.

    ReplyDelete
  14. Your article has proven useful to me. It’s very informative and you are obviously very knowledgeable in this area. You have opened my eyes to varying views on this topic with interesting and solid content.
    야설
    Feel free to visit my blog : 야설


    ReplyDelete