Thomas Jefferson Quotations (from We the People by Day Williams)

Thomas Jefferson

A Bill of Rights is what the people are entitled to against every government, and what no just government should refuse, or rest on inference.
−Thomas Jefferson

An injured friend is the bitterest of foes.
−Thomas Jefferson

As our enemies have found we can reason like men, so now let us show them we can fight like men also.
−Thomas Jefferson

Be polite to all, but intimate with few.
−Thomas Jefferson

Bodily decay is gloomy in prospect, but of all human contemplations the most abhorrent is body without mind.
−Thomas Jefferson

Books constitute capital. A library book lasts as long as a house, for hundreds of years. It is not, then, an article of mere consumption but fairly of capital, and often in the case of professional men, setting out in life, it is their only capital.
−Thomas Jefferson

But friendship is precious, not only in the shade, but in the sunshine of life, and thanks to a benevolent arrangement the greater part of life is sunshine.
−Thomas Jefferson

Commerce with all nations, alliance with none, should be our motto.
−Thomas Jefferson

Conquest is not in our principles. It is inconsistent with our government.
−Thomas Jefferson

Delay is preferable to error.
−Thomas Jefferson

Dependence begets subservience and venality, suffocates the germ of virtue, and prepares fit tools for the designs of ambition.
−Thomas Jefferson

All tyranny needs to gain a foothold is for people of good conscience to remain silent.
−Thomas Jefferson

A coward is much more exposed to quarrels than a man of spirit.
−Thomas Jefferson

A strong body makes the mind strong. As to the species of exercises, I advise the gun. While this gives moderate exercise to the body, it gives boldness, enterprise and independence to the mind. Games played with the ball, and others of that nature, are too violent for the body and stamp no character on the mind. Let your gun therefore be your constant companion of your walks.
−Thomas Jefferson

A wise and frugal government, which shall leave men free to regulate their own pursuits of industry and improvement, and shall not take from the mouth of labor the bread it has earned – this is the sum of good government.
−Thomas Jefferson

An enemy generally says and believes what he wishes.
−Thomas Jefferson

Worker at immigration law firm guilty of fraud

Worker at immigration law firm guilty of fraud

AP  / September 19, 2012

HARTFORD, Conn. (AP) — A Brazilian man who worked as a paralegal at a Stamford firm that specialized in immigration law has pleaded guilty to document fraud.

Federal prosecutors say 56-year-old Fernando Goncalves knowingly filed fraudulent visa applications for foreign nationals.

In the cases of eight clients, Goncalves allegedly submitted applications containing false statements and fraudulent documents. Authorities say each of the clients paid him more than $7,000.

Goncalves pleaded guilty on Tuesday in U.S. District Court in Hartford. He faces up to 10 years in prison.

He has been detained since he was arrested in June at John F. Kennedy International Airport in New York after returning from a trip to Brazil.end of story marker

© Copyright 2012 Globe Newspaper Company.

Houston lawyer admits to stealing $2.3M from vets

Houston lawyer admits to stealing $2.3M from vets

By Lise Olsen
Updated 11:41 p.m., Tuesday, September 4, 2012
  • Houston lawyer, Joe Phillips, walks out of the Bob Casey Federal Courthouse Thursday, June 14, 2012, in Houston.  He and his wife are accused of  stealing $2 million from two dozen veterans in another pending case described as the largest rip-off ever reported in the VA fiduciary program. Photo: Johnny Hanson, Houston Chronicle / © 2012  Houston Chronicle

    Houston lawyer, Joe Phillips, walks out of the Bob Casey Federal Courthouse Thursday, June 14, 2012, in Houston. He and his wife are accused of stealing $2 million from two dozen veterans in another pending case described as the largest rip-off ever reported in the VA fiduciary program.

    Photo: Johnny Hanson, Houston Chronicle / © 2012 Houston Chronicle


HOUSTON — A 73-year-old attorney pleaded guilty in Houston federal district court Tuesday to conspiring with his wife to steal $2.3 million from 49 disabled veterans and then hiding the thefts by creating fake reports, imaginary bank accounts and filing a bogus income tax return.

As part of his guilty plea to two of 21 charges against him, Joe B. Phillips admitted to transferring more than $1.36 million from veterans clients’ accounts directly to a joint checking account that he shared with his wife between 2003 and 2007.

Phillips’ wife Dorothy, 72, a self-described gambling addict, pleaded guilty to similar charges in April and admitted to misusing some veterans’ money to fund casino trips to Louisiana, where she often gambled at the Auberge du Lac and Delta Downs, court records show.

But Joe Phillips, 73, had insisted on his innocence until Tuesday — minutes before jury selection for his trial was to begin and after his attorneys warned him in open court that his wife’s admissions to the couple’s conspiracy had damaged his defense.

During that same period, the couple withdrew a similar amount in cash, sometimes from ATMs inside casinos on gambling trips. He also acknowledged signing false accounting statements and a bogus income tax return.

Kenneth Magidson, U.S. Attorney for the Southern district of Texas, said he places a high priority on cases involving veterans. “Veterans devote their services and lives to their country and, as deserved, afforded certain benefits. We do not take it lightly when someone violates the trust of these Veterans and takes away what is rightfully theirs by such unscrupulous fraud.”

Phillips was one of a handful of fiduciaries investigated by Hearst Newspapers as part of story in July. He has remained free on $100,000 bond since first being charged in 2010, is expected to be sentenced in December. He refused comment.

Judge Lee H. Rosenthal warned Phillips that he faced a maximum eight-year sentence for the two charges; a fine of $500,000 and restitution of at least $2.3 million, based on the governments estimates of veterans’ losses. But Rosenthal told Phillips that he and his wife could face an even tougher sentence because of the number of victims, their vulnerability and the amount of losses. Rosenthal promised the upcoming pre-sentence investigation will re-examine the veterans’ losses, which Phillips has claimed are less than government estimates.

The VA has never released a complete list of the amounts each individual veteran lost, first discovered in a 2007 audit. Though some victims have since been compensated by the federal government, others whose assets were overseen by Phillips and their families have told the Chronicle they have never been contacted.

Phillips worked for the VA for several years and since the 1980s has dedicated most of his law practice to working with disabled veterans; his wife was his legal assistant. The couple reported an annual income of $100,000 to $145,000 in 2004-2007, lived in a modest house and drove a Lexus, according to the indictment and a recently bankruptcy filing.

Beginning in the early 1980s, Phillips won approval to manage benefits and assets for as many as 50 disabled veterans at a time as both a VA fiduciary and a payee under the Social Security Administration. In both roles, he received disabled veterans’ benefit checks and also managed veterans’ bank accounts and spending. In at least 28 cases, probate courts also appointed him to oversee veterans’ estates and over the years he also was appointed to dispose of dead veterans’ assets.

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Marriage Fraud

By Joe Guzzardi, CAPS Senior Writing Fellow. Guzzardi’s Op-eds about California social issues have appeared in newspapers throughout California and elsewhere for 15 years., February 23, 2012
One of my least favorite, if that’s the right term, immigration violations is marriage fraud. Among other annoyances, the K-1 fiancée visa which facilitates much of the fraud is one of the most obviously useless in the non-immigrant category. With little effort it could be eliminated or rewritten to severely tighten its guidelines.

During my 25-year California teaching career, I had considerable first-hand experience with newly married couples (involving the K-1) who enrolled in my English as a Second Language classes. The typical profile was a middle aged or older male with a non-English speaking much younger female who had never been to the United States. They “met” through one of the thousands of Internet dating services that hook up foreign-born women eager to come to America with men looking for a second or third chance at love. These marriages of convenience pair someone willing to trade her affection for a green card with someone gambling that his new relationship will somehow work out. Most, however, don’t.

On February 16, two days after Valentine’s Day, 55-year-old twin Filipino-American brothers Manny and Marc Aguja were sentenced to federal prison for arranging sham marriages that enabled foreign nationals to illegally become U.S. citizens. Both plead guilty to conspiracy to commit marriage fraud. [Chicago Brothers Sentenced in Sham Marriage Scheme, Associated Press, February 16, 2012]

The sentences concluded a lengthy ICE investigation. But get this. Manny is a former private immigration lawyer who practiced in Chicago; his brother worked in the same office. Manny was sentenced to 24 months in jail and a $10,000 fine; Marc 12 months and $10,000. The brothers both pleaded guilty to conspiracy to commit marriage fraud.

In addition to jail time and the fines, the U.S. Department of Justice formally barred Manny Aguja from ever practicing immigration law. A disbarred Aguja may be the best news of all. Read the U.S. District Court, Northern District of Illinois, Eastern Division documents here.

Whenever scam artists who specialize in marriage fraud are exposed, I consider it a step forward toward what I hope will be the eventual re-evaluation of the dozens of visas including the K-1 that have not only outlived their usefulness but also lead to abuses that harm everyone. involved.

Alert Detective Capture Suspect in IRS Fraud

Alert Detective Captures Suspect in IRS Fraud
Detective said he noticed that the suspect quickly closed her laptop during a traffic stop and then found a stack of TurboTax debit cards in her purse. The names belonged to people in a Bradenton assisted living facility.
By Toni Whitt Email the author September 5, 2012
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A police officer with Bradenton’s gang unit turned an easy drug arrest into what may be a major white collar crime arrest involving tax fraud and residents of a local assisted living facility.

Det. B. Pieper from the police department’s gang unit put together the case by paying close attention during a routine drug bust.

Nikki Brydson, a 40-year-old cafeteria worker at Ballard Elementary, was arrested on the first day of school and charged with scheming to defraud. Her arrest was the culmination of months of work that began with a simple drug bust last spring.

Pieper was one of several detectives watching traffic coming to and from a house where police suspected drugs were sold. He said he and his partner watched a car leave the house and then run a stop sign. When they pulled over the car Brydson was in the passenger seat with a laptop and a bag of marijuana on her lap.

Brydson quickly closed the laptop, which made Pieper suspicious. When he searched her purse, he said he found several TurboTax debit cards with different names on them. He also noticed a 60-step instruction sheet on how to perform tax fraud through TurboTax.

The detectives brought Brydson back to the department where they questioned her about the tax computer, the debit cards and the instruction sheet. She also had a list of names, all residents from Langdon Hall Assisted Living Facility.

Pieper said that Brydson told him another woman asked for her help in the scam. While police believe another person may have been involved, Pieper said Brydson was definitely a partner in the crimes and that she had even filed a tax return in her own mother’s name — keeping the refund for herself.

Pieper tracked down the first few names on the list to Langdon Hall and discovered that the managers had fired two people who were suspected of stealing personal information.

Pieper talked to the residents and in some cases their family members. One woman from Boston called Pieper and told him she had been wondering why her father never got his tax refund.

Pieper put together enough information to arrest Brydson last month and has turned over his findings to the state attorney’s office where he said the agency can issue subpoenas to get a better idea of just how much money Brydson and her group was able to get in tax refunds.

Pieper said the case may go about $20,000.

Related Topics: Tax fraud and irs fraud

Alton lawyer commits suicide rather than face sentencing for fraud

Alton lawyer commits suicide rather than face sentencing for fraud
July 21, 2011 12:59 pm • BY ROBERT PATRICK • > 314-621-5154 > 314-621-5154′);”> > 314-621-5154′);”>Enlarge Photo

Woman claims Alton lawyer forged settlement document
Velda City officer apparently fatally shot self in car in St. Louis
Franklin County doctor commits suicide rather than plead guilty
Alton lawyer accused of stealing $137,800 from client
Federal prosecutors seek records from closed Wildwood care facility
Former Clayton gallery owner turned fugitive gets 14 months in prison
Clayton bombing suspect pleads not guilty
UPDATED at 5 p.m. with reaction from attorneys.

EAST ST. LOUIS • Alton lawyer Dennis Nalick apparently committed suicide Thursday rather than face sentencing in a federal criminal case, according to authorities and one of his lawyers.

Nalick sent a fax to his lawyers office at 8 a.m. saying he wouldn’t be at a 9 a.m. sentencing hearing in federal court here. After he failed to show up, U.S. District Judge Michael Reagan issued a warrant for Nalick’s arrest.

One of Nalick’s attorneys asked authorities to check on Nalick’s well-being, and his body was then discovered in his SUV, parked inside his detached garage in Edwardsville with the motor running. He was pronounced dead at 11:07 a.m.

Madison County Coroner Stephen P. Nonn stressed Thursday afternoon that the autopsy and toxicological testing had not been completed and Nalick’s cause of death had not yet been officially determined.

Nalick pleaded guilty of one felony count of mail fraud in January, admitting that he’d deposited a client’s $137,826 check into his own account and spent it.

Prosecutors said that Nalick took a total of $496,000. Nalick and his lawyers would have argued Thursday that the loss amount was less than $400,000.

At the time of his plea, Nalick knew under federal sentencing guidelines, he could face 41 to 51 months in prison and would have had to pay back the victims.

Thursday afternoon, Nalick lawyer Chris Threlkeld said that the case would be dismissed due to Nalick’s death before sentencing.

Alton lawyer Robert D. Larson, who has represented two of Nalick’s victims, was not optimistic that any of the victims would get all their money back.

Although at least some have filed claims with the Illinois Attorney Registration and Disciplinary Committee, there is a $75,000 limit on payouts from the client protection program, said IARDC chief counsel James J. Grogan.

Nalick had a history of disciplinary proceedings in both Missouri and Illinois and was suspended from practicing law a year ago.

Several lawsuits have also been filed against banks that cashed checks with client signatures forged by Nalick, Larson said.

As for Nalick’s estate, Larson said, “I’m confident that we’ll look and we’ll find nothing. I think that’s just going to be an exercise in futility.”

Houston attorney sentenced for conspiracy to commit wire fraud

Houston lawyer sentenced for conspiracy to commit wire fraud in corporate identity theft scheme
TAMPA, Fla. — A Houston lawyer was sentenced to 18 months in federal prison and 36 months of home confinement Thursday, Aug. 9. This case was investigated by U.S. Immigration and Customs Enforcement’s (ICE) Homeland Security Investigations (HSI) Tampa and the U.S. Secret Service’s Tampa and Newark, N.J., field offices.
According to testimony and evidence presented at trial, from February 2005 through July 2006, Roger Shoss, 67, of Houston, and codefendant Nicolette Loisel, also a Houston lawyer, conspired to steal the identities of dormant, publicly-traded companies. They then used the corporate identities they had stolen to create fraudulent, empty-shell companies that had the appearance of being publicly traded. They subsequently sold the fraudulent empty-shell companies for a profit. The four companies featured in the indictment were Mobilestream Inc., Regaltech Inc., Nanoforce Inc. and Rocky Mountain Gold Mining Inc., which emanated from 3E International Inc., Pacific Chemical Inc., Webgalaxy Inc. and Greensmart Corporation, respectively.
The administrative and money laundering functions of this scheme were headquartered in Pinellas County, Fla. Multiple wire transfers, totaling at least $800,000, were initiated from the Middle District of Florida to Shoss, in payment for the companies. Shoss, in turn, paid Loisel more than $450,000 for her role in the scheme.
“These individuals – both attorneys – conspired to make a profit through a sophisticated investment fraud and money laundering scheme,” said Sue McCormick, special agent in charge of HSI Tampa. “HSI works closely with our law enforcement partners to identify and prosecute con-artists like Shoss and Loisel.”
In addition to his prison sentence, Shoss is required to pay a final forfeiture money judgment, in the amount of $800,000. This amount represents proceeds obtained by Shoss and Loisel as a result of their criminal activities. A final order of forfeiture was also entered for Shoss’ residence in Houston, which was purchased with proceeds traceable to the wire fraud conspiracy.
“The U.S. Secret Service and HSI continually strive to enhance our law enforcement partnership by leveraging our respective capabilities, expertise and manpower in support of our distinct law enforcement missions,” said John Joyce, U.S. Secret Service’s Tampa special agent in charge. “The U.S. Secret Service and HSI will continue to effectively investigate, deter and diminish the threat posed by various types of criminals to our nation’s financial infrastructure.”
A federal jury found Shoss and Loisel guilty of conspiracy to commit wire fraud on May 22. Loisel’s sentencing is scheduled for Sept. 4.

Senior fraud conference reveals the truth about scams

Senior fraud conference reveals the truth about scams
by Jessica Breger
Staff Writer
6 hrs ago | 21659 views | 0 | 1 | |

The Durant Fire Department Shows off firemen in their uniforms for senior citizens during a “Fraud Fashion Show” at the Senior Fraud Conference Wednesday morning.
Senior Citizens in the Durant area were invited to an anti-fraud conference Wednesday morning. The conference was held by the Oklahoma Insurance Department (OID).

The conference began with breakfast served at 8 a.m. and presentations started at 8:30 a.m.

According to Oklahoma Insurance Commissioner John Doak, the rising amount of fraud cases make it clear that the OID needs to educate senior citizens.

This is the first year the department has held these conferences but Doak said he anticipates doing more next year.

Doak began the presentations with an overview of the types of fraud seniors need to be aware of and ways to safeguard against scammers.

According to Doak, insurance fraud is the number two leading white collar crime in America, beat only by tax fraud.

Seniors learned how insurance agents can scam them and how they as the customer can prevent and stop the scam.

Seniors were also informed about funeral scams. When an individual pre-pays for a funeral so that the individual’s family does not have to, they become vulnerable to a scam.

Seniors were taught that scammers count on the fact that there will be no witness to the scam once the victim is deceased.

They were advised to keep all paper work and inform family members of the transaction.

Seniors were also informed about investment fraud and Medicare fraud. They were given warning signs to look for such as unexpected home visits.

Division Director of the Health Insurance Counseling Program for the OID Ray Walker said Medicare does not come to your home.

Seniors were also told that scammers use telemarketing often. They were informed about how to be placed on “Do Not Call” lists.

When placed on the “Do Not Call” list the only organizations who should call are political, charitable organizations or organizations wishing to set up a face-to-face meeting. No soliciting is permitted.

According to Tom Bates from the Oklahoma Attorney General’s office, most legitimate businesses comply with the “Do Not Call” list, so a soliciting call would be the “ultimate red flag” if you on this list.

Seniors were told that scammers using telemarketing rely on the politeness of their generation.

“You don’t have to be polite to these people. You can just hang up,” said Walker.

Seniors were also warned of a scam that has been recently popular called the “grandparent scam.”

In this scam a person will call a senior citizen in the middle of the night and pretend to be a distressed grandchild.

They will attempt to coax the grandparent into sending “emergency” money. Seniors were warned to be wary of such calls and not reveal information but make sure it is their grandchild first.

The conference also consisted of a “Fraud Fashion Show” in which police, the fire department, and agents from other well-known entities showed their uniforms.

Each agent explained why they would be at a residence and what to expect from a legitimate visit.

“The Fraud Fashion Show has been a big hit” said Doak.

Seniors were also given contact information for most of the entities as well as for the OID anti-fraud unit. “If you think it’s fraud, call us,” said Walker.

The phone number for the OID anti-fraud unit is 1-800-522-0071. They can also be reached by email at


Read more: Durant Daily Democrat – Senior fraud conference reveals the truth about scams

Rove: Obama’s Biggest Opponent is the Truth

Rove: Obama’s Biggest Opponent Is the Truth
Voters expect Mitt Romney to blow the whistle in the debates.


When George Stephanopoulos asked Mitt Romney in a Sept. 14 “Good Morning America” interview what he’s learned about President Obama as a debater, the former Massachusetts governor replied, “I think he’s going to say a lot of things that aren’t accurate.”

If Mr. Obama’s debate performance mirrors his campaign, Mr. Romney’s prediction will be dead on. To get a sense of how comprehensive the president’s assault on the truth has been, consider some of his false claims in recent speeches and ads.

One Obama spot says, “To pay for huge, new tax breaks for millionaires like him, Romney would have to raise taxes on the middle class: $2,000 for a family with children.”

That claim has been thoroughly discredited, including by PolitiFact Virginia and editorials in this newspaper. Mr. Romney, unlike the president, is committed to cutting taxes for everyone, including the middle class.

Another ad says, “As a corporate raider, [Mr. Romney] shipped jobs to China and Mexico.” In response, the Washington Post editorialized, “On just about every level, this ad is misleading, unfair and untrue.” As recently as Sept. 17, Mr. Obama claimed in Ohio that Mr. Romney’s “experience has been owning companies that were called ‘pioneers’ in the business of outsourcing jobs to countries like China.” But that claim, too, is a fabrication.

Enlarge Image

Associated Press
Republican presidential candidate Mitt Romney.

There is more. An Obama ad aimed at northern Virginia women intones, “Mitt Romney opposes requiring coverage for contraception.” In fact, Mr. Romney opposes the president’s unprecedented assault on religious liberties—in this case, the federal government forcing religious institutions (like church-sponsored hospitals, schools and charities) to provide insurance coverage for contraception in violation of their fundamental moral values and, incidentally, the First Amendment.

Candidates always have disagreements, arguing over the meaning of events or evidence. But Mr. Obama has taken ordinary political differences beyond anything we’ve seen. Every day, it seems, he attempts to disqualify his opponent through deliberate and undeniable falsehoods.

This is only one side of a two-sided coin. The president can’t tell the truth about his own record either.

For example, Mr. Obama said at a Univision Town Hall on Sept. 20 that his biggest failure “is we haven’t gotten comprehensive immigration reform done.” The president then did what is second nature to him: He pinned the blame on Republicans. The problem with this excuse is that the Democrats controlled Congress by huge margins in the first two years of his presidency—and Mr. Obama never introduced an immigration bill or even provided the framework for one.

In the same interview, Mr. Obama claimed that his Justice Department’s botched “Fast and Furious” gunrunning program was “begun under the previous administration.” This time it was ABC’s Jake Tapper correcting the record, pointing out, “it was started in October 2009, nine months into the Obama presidency.”

The most troubling recent example of Mr. Obama’s serial dishonesty is his administration’s effort to deny that the attack on our consulate in Benghazi was a premeditated terrorist assault, as if the truth would somehow tarnish Mr. Obama’s foreign-policy credentials.

Consequences of Mortgage Fraud

Consequences of Mortgage Fraud – Woman Charged for Creating Fraudulent Paystubs


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White Collar Crime which often involves many professionals working in collusion: bank loan officers, realtors, appraisers, accountants, and mortgage brokers. All of these profit through various commissions, fictitious sales and fees – often on loans that aren’t genuine.

Federal prosecutors on Friday charged an Atlanta woman with mortgage fraud for providing false financial information for several home buyers that resulted in fraudulently obtained mortgages totaling more than $623,000. The former Huntsville resident has been charged with federal mortgage fraud stemming from providing false income information to allow unqualified borrowers to obtain home loans totaling $623,000.

The charges were filed Friday against Melneka Parker, 27, of Atlanta, who used to own Elite Business Services in Huntsville. Prosecutors said the business was set up with the stated purpose of helping customers improve their credit scores, the U.S. Attorney’s Office in Birmingham said.

Parker assisted in the commission of a larger mortgage fraud ring among several buyers, including Gloria Allen and Crystal Douglas, both of Huntsville, who were charged by information in July.

Investigators reported finding several loans that had been submitted to Worthington on behalf of three borrowers. Investigators collected loan documents for all three borrowers, determined the pay stubs were fraudulent and examined tax records from 2006 to 2009. The tax returns showed yearly income was substantially less than what was claimed on the borrowers’ loan applications.

The charges filed against Parker outline the fraud as follows:

After forming Elite Business Services, Parker began assisting her clients in obtaining mortgages to buy real estate in the Huntsville area. Because many of her clients were not financially eligible to obtain loans, Parker would submit false payroll and income information to the financial institution.
The false payroll information inflated the monthly income that each borrower claimed to earn, making them eligible for a mortgage that they would otherwise have been unable to obtain. Parker also sent the false income information to another tax preparation business, which resulted in the creation of false tax documents.
All of those documents were submitted to support the false income claims made by the borrower and Parker. As a result of her fraudulent activities, financial institutions approved $623,357 in mortgages that they would not, otherwise, have approved.
Two other Huntsville residents, Gloria Allen and Crystal Douglas, were charged in July with making false statements on federal loan documents. They have both entered plea agreements with federal prosecutors.

Parker is charged with three counts of mortgage fraud stemming from loans that were issued in June, August and November by Worthington Federal Bank.

Parker has entered a “plea by information” and is cooperating with prosecutors. Parker admitted creating false pay stubs for the borrowers that showed them with inflated incomes which allowed them to qualify for home loans, according to her plea agreement.

In Parker’s plea agreement prosecutors said the FBI and the inspector general for the Department of Housing and Urban Development “were contacted” about possibly fraudulent mortgage loan applications being submitted to Worthington Federal Bank.

Huntsville attorney Bruce Gardner, who represents Allen, said his client has cooperated with investigators over the past year. He said Allen bought a home with the loan she received and is still making payments on the home.

Gardner said her arrangement with Parker turned a non-qualified borrower into a qualified borrower.

Parker is scheduled to be arraigned on Sept. 13, in federal court in Birmingham.

The U.S. Attorney’s Office filed an information in U.S. District Court charging Melneka Parker, 27, with three counts of aiding and abetting others in the making of false statements on mortgage loan applications. If convicted, Parker could face a maximum sentence of 30 years in prison and a $1 million fine for each count.

The FBI and HUD, Office of the Inspector General, investigated the case. Assistant U.S. Attorney Patrick Carney is prosecuting the case.

” Using 3rd party verified income for mortgages eliminates possible misrepresentation in determining the borrower’s ability to repay so false income information won’t lead to future defaults.” stated Sarah Blackney the Client Relationship Director with Blackney also stated “Unfortunately fake documents — like verifications of employment, fake pay stubs, fake Social Security benefit letters and fake W-2 forms — are still used to obtain loan modifications, new mortgages or refinances.”


Tips to Protect Yourself Against Mortgage Fraud

Get referrals for real estate and mortgage professionals. Check the licenses of the industry professionals with state, county, or city regulatory agencies.
An outrageous promise of extraordinary profit in a short period of time signals a problem.
Be wary of strangers and unsolicited contacts, as well as high-pressure sales techniques.
Look at written information, to include recent comparable sales in the area and other documents such as tax assessments to verify the value of the property.
Understand what you are signing. If you do not understand, re-read the documents or seek assistance from an attorney or third party who represents your interest.
Review the title history of the home you are anticipating to purchase to determine if the property has been sold multiple times within a short period. It could mean that this property has been “flipped,” and the value falsely inflated.
Know and understand the terms of your mortgage. Check your personal information against the information as listed on the loan documents to ensure it is accurate and complete.
Never sign any loan documents that contain “blanks.” This leaves you vulnerable to fraud.
Check out the tips on the MBA website at for additional advice on avoiding mortgage fraud.
Potential victims need to report mortgage fraud, mortgage scams, or predatory lending practices as soon as there is an indication these might exist. Waiting to make sure can be costly. Both on the national level and on the state level, government and private organizations are available to answer questions and provide help.