Robert Paisola and The Free Capitalist Rick Koerber 2011 (No Open)

It all started with a representative in Utah who introduced Utah House Bill 477. Never in his wildest dreams dis he think that the American Public would be watching so closely. Watch as Robert Paisola interviews "The Free Capitalist" Rick Koerber on "Privacy in America"





If you are seeking assistance with a governmental entity, timeshare company, real estate matter, home owners association or anything that might interest the American Public , Check us out at www.WesternCapitalVip.com and www.WesternCapitalNews.com

Consolidated Resorts Strikes Again: Club De Soleil Fraud: Chicago Title Fraud: Robert Paisola Reports

As you know, we have been dealing with the Artie and Todd Spector Fraud Machine at Tahiti Village and The Consolidated Resorts Properties for over four years.


We battle this company day in and day out.  One thing that we can not be is PAID OFF.  We simply take our fight for you deadly serious.

I want you to read a letter from a client that we have that has been a victim of the Artie Spector Scam. We have audio that we will be posting, however at this time, we want YOU to see exactly how we are approached daily.

We are committed to help as many people as possible, but there is only so much time in a day.  We are preparing for a Class Action Lawsuit against these people, and these are our results:




Dear Mr Paisola:

I want to thank you for you never ending work against Consolidated Resorts and their Chairman, Artie Spector.  Our story is similar to the thousands of stories that you have posted, but these people Must Be Stopped.

Our Consolidated Resort  Story …

My husband heard the advertisement for the free trip stay in Las Vegas and tour for Consolidated Resorts – Tahiti Village on the radio.  He responded to the ad and made reservations.  Consolidated Resorts made our accommodations at The Stratosphere.  

  

In January 2009 we went to the presentation/ tour for Tahiti Village … which was actually not at Tahiti Village at all.  We were simply on vacation.  At the presentation, we were lead to believe, by our salesperson, Sean Collins,  that Tahiti Village was the best thing that ever came to the strip … and we too could OWN a piece of the Famous Strip of Las Vegas.   

We were told by Collins that our investment would only gain in value and that it would be worth upwards of triple the value within several years.  He further stated that this was a golden opportunity and that it WOULD sell out quickly.   

We were also told by Collins and his managers that this investment would allow us the opportunity to AMAZING travel deals and that we would NEVER pay full price for vacations again.  They said that once you bought at Tahiti Village (a Consolidated Resort Property), that you could stay at any Consolidated Resort Property with just simply one phone call.   

They said that we could borrow against our "Investment" which is not true.

They said that Tahiti Village would be your HOME resort, but you could stay and any of the resort that they owned.  They stated that it would not be considered an exchange thru Interval Gold.  It was just a benefit of owning a Consolidated Resort week.

The entire presentation was full of lot’s of bells and whistles … even a spinning wheel and balloons to pop.  

(See Covert Video Court Evidence 3498.3) 

They popped a balloon for us and WOW we won 6 Holiday Adventure Vacations …  instead of the normal  2. ALL absolutely FREE  … (wrong).

It all sounded great and then Sean Collins and his managers got out this pencil and paper and started talking cost.  They priced the Tahiti Village week for a two bedroom at upwards of $25,000.00.  We immediately said NO.  That we were not interested, that it was too much and we could not afford it. 

He continued on with how great of investment that it was and that we could even borrow money against our investment in the future.  (Federal Fraud) He made us feel as if we were not intelligent, because we were not taking advantage of this awesome opportunity.   

He continued drawing on a piece of paper and telling us how we could sell mini vacations to friends, (See exhibit c-32) (that we would get FREE) and by selling these vacations, we could pay for our week.  We again said NO!

Our salesman then got up and went into a room … then came back to our table and said “I’ve got GREAT news for you.”  I just talked to my manager and he said “that I can get in you the back door, for less than half.”  He said that a week at Club de Soleil had become available and we could buy the every other year  there.   

He said that we would never even have to step onto the property of Club de Soleil … that all we had to do is call The Consolidated Resort reservation line and make our reservation for Tahiti Village.  He said that this was “Our way into the CLUB!!!! and that we only had to pay $11990.00.   

He said that this was a special deal and that he rarely saw one come available … but it was our lucky day and we now had a chance to own a part of Vegas!    

My husband and I talked about it and said no again.  We did not want to spend the money at this time.  The salesman then filled our heads with 40 more minutes of how amazing this opportunity was and that we would be crazy to pass it up.  I tried to leave many times and was not able to leave, I felt like a hostage.  I asked him on several occasions about our desire to be on the Strip in Vegas and that we were also interested in the Hawaii property.   

He assured us that one simple phone call would put us at any of The Consolidated Resorts.properties.

After 20 more minutes of the sells pitch and our minds full of hype … we were pushed and pushed into just saying  yes to get out of there. He said we could cancel at any time and that was our plan.

Horns blew … streamers flew …. And we were told that after signing the paper work that we would go back to our hotel in style … a limo awaited us … because we now OWNED part of the Vegas Strip. .                                                                                                                                                                                                                                     

 Our total purchase prices was $12,000   plus $300.00 settlement charges

 We put down $1600.00 on my credit card

 They financed $11,000 at 16.90% interest

 We put it on Auto Pay on my credit card because they said that if would waive a monthly fee

 At signing we were told that we had to join Interval Gold (an exchange program)but this fee would    be waived. Our card was charges $404.00 for something … I do not have an exact invoice this ????

We left in a limo …

We have been trying to resolve this matter for 2 years.  Even though we knew that this was a scam, we were terrorized that our credit would be ruined and we would face "Foreclosure"

So,For 2 years we made every payment on our credit card …. 

In January,  I called the Consolidated Resort Reservation number that was in our package … it was disconnected.   I went online and found another number (and some other interesting info that I will comment on later Mr. Paisola has these tapes).  

I called the number from online and never could talk to anyone.  I then called a different number and went into a queue and was on hold for 30 minutes.  I Then talked to the lady on the switchboard  … she could not help me.   

I Then I spoke to a girl name Megan and told her I wanted to make a reservation at Tahiti Resort.   

She said, you own at Clue de Soleil and that I could not make a reservation at Tahiti Village unless I paid the regular room rate.  

 I told her what we bought and why and what we were told. She said “Oh, we changed that last year. You can no longer just call us to stay at any of our resorts.” She said, “You have to do something called Bank your week and try to exchange it with Interval Gold.”  

 I was furious and stated my frustration with Megan.  She just said sorry, can’t help you!  Staying at any of the Consolidated Resorts was THE ONLY reason that we bought, besides being compelled!!!!!

I then started researching Consolidated Resort and learned that they had gone bankrupt …. And that I was just one of many that had been scammed!  I canceled the credit card, as you suggest so that the payments that were being stolen would be stopped.

Needless to say …. No one has been willing to help me, but they call daily wanting money.
That is why I am dealing with you.  I could not believe the settlement agreement that I read on your site, You got money back when every other company was simply lying to us. (See Below)

I have paid The ASNY Company 6400.00 the following …. And have received NOTHING in return:

Thank you for taking our case to the American Public, and please guard the fraud deed information until court. We know that you are the only person in the Nation able to take this company on and put Arthur Spector in Jail.  I Dare them to mess with my Credit.

There needs to be more people like you. and if anyone is reading this and has gone through a similar situation , there is only one answer... Robert Paisola

It will all come out in court.

Thank you for accepting us as a VIP Client.


OUR NOTE-
If you are dealing with this company, Tahiti Village, ASNY, or any of the Arthur Spector Companies, visit www.WesternCapitalVip.com Now and Read carefully and then call Western Capital At 1-877-517-9555
for results. Notice the Confidential Settlement Agreement Above states "

http://www.zimbio.com/Robert+Paisola/articles/t0aTcc6mXBK/Tahiti+Village+Consolidated+Resorts+Confidential

Here is 25,000 but Do Not Tell Robert Paisola or Western Capital (from Randy Richards Attorney - Disbarred) 

https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSaUGhbp8OGVAY9YMzP_hyRbYGi1ls4YdP_c2QVONLhyQzWHxzXWhpyG__kAWncUZB4f8KwauWtfsz6pDjhxLnvQ_YoSMMdzfI7mkT2TwS2DwrtcwBVsSzSeLZoZHSGW_VigF_LKLyukk/s1600/Settlement.jpg

Federal Judge Allows RICO Suit Over Debt-Collection Tactics To Proceed Against Leucadia National and Mel Harris and Associates, Robert Paisola Reports Live

Federal Judge Allows RICO Suit Over Debt-Collection Tactics To Proceed Against  Leucadia National  and Mel Harris & Associates, Robert Paisola Reports Live
A federal judge in New York has rejected attempts by Leucadia National and the debt-collection law firm Mel Harris & Associates to dismiss a class-action lawsuit accusing them of a racketeering scheme to obtain judgments in New York courts against unwitting consumers around the country.
In the ruling issued Dec. 29, U.S. District Judge Denny Chin said the plaintiffs could proceed with claims they were the victims of a “sewer service” scheme in which process servers fraudulently told the court they’d presented debt-collection papers to their targets as required under the law.

READ THE FEDERAL COURT RULING AGAINST 
Leucadia National  and Mel Harris & Associates

The lawsuit on behalf of up to 100,000 borrowers claims lawyers at Mel Harris then used those statements to obtain default judgments against the consumers and threaten to garnish their wages or freeze  money in their bank accounts. The customer for these services was Leucadia, a financial-services firm that bought hundreds of thousands of defaulted debt claims for pennies on the dollar and hired Mel Harris to recover what it could.
The suit has echoes of the “robosigner” controversy over home mortgages, but with important differences. Mortgages are loans secured by a physical property, so there’s rarely any dispute over what the homeowner owes and what the lender can seize if he doesn’t pay.

Leucadia was trying to collect on unsecured debt, where there is no collateral and little recourse for the lender. To get judgments against the borrowers, the judge said, a single Mel Harris employee named Todd Fabacher signed 40,000 affidavits attesting to the accuracy of debt claims.

Assuming 260 business days a year, Fabacher had to have personally (and purportedly knowledgeably) issued an average of twenty affidavits of merit per hour, i.e., one every three minutes, over a continuous eight-hour day.

Mel Harris has drawn attacks from consumer advocates over its debt-collection practices, which include filing more than 100,000 lawsuits in state courts around the country. The Federal Trade Commission has expressed concern about debt collectors who obtain default judgments against consumers who were never told of the lawsuit against them and never appeared in court.The term “sewer service” refers to the practice of throwing service papers in the sewer but telling the court the target received them in person.

The judge dismissed RICO claims against individual employees of the debt collection firms but allowed them to proceed against the companies. He also rejected an attempt by Mel Harris to claim it isn’t a debt collector under federal law, as well as its argument statements it made in court were protected under the so-called “litigation exception” preventing suits over statements in court filings.

The class action is Monique Sykes vs. Mel Harris, 09cv8486, Southern District of New York.

Robert Paisola Commentary:
Never Ever Ever Pay A Debt Collector A Dime
Need Assistance vip@robertpaisola.com
See http://www.WesternCapitalVip.com   Your Only Solution,,,

Subject: Independence Day and 1,331 member's and counting!

Hello my fellow group members,

My name is Robert Paisola and I created the group Sky Las Vegas and Taking back America. Our group has swelled to over 130,000 members. Thank you all for sending out invitations and being members of this group. I know that I always say this, but you stand as a voice for the unspoken majority in this country that believes in our traditional Christian values that built this country. With that in mind I wanted to share some thoughts on the meaning of the holiday we will be celebrating this weekend.

On July 4th, America's independence will be celebrated in grand fashion with parades, fireworks and backyard BBQs. Did you know that this year (2010), Americans will commemorate the 234th anniversary of the approval of the Declaration of Independence by the Continental Congress, the act that set the 13 American colonies on their road to national sovereignty?

Take a moment to watch this video that we have produced in association with our friends at The Free Capitalist Project and Founders University. This is an amazing historical image of what it takes to truly be free as Americans.





When enjoying this weekend’s festivities, have fun and be safe, but take a moment to remind yourself and your family what this day represents. This day stands in history as the day a group of our countries forefathers declared their freedom; freedom from tyranny, religious persecution and taxation without representation. That freedom has reigned on and continues to thrive after 234 years. Remember to think of all the blood, sweat and toil that has been sacrificed for us to be able to enjoy this weekend and when you can, say a prayer for our troops still in harm’s way that are still protecting our freedom to this day.

Please be safe this weekend. God bless you all and God bless America!

Regards,

Robert Paisola
CEO
The Western Capital Foundation
"Taking back America"
http://www.skylasvegas.info

A Special Message from Robert Paisola this Holiday Season

As the holiday season comes upon us many in this country will be wondering what the new year will bring for them. The countless homeless, about to be homeless, underemployed and unemployed will be thinking about life before the crisis brought on - by self admission - by Goldman Sachs. At the same time, the employees of Goldman Sachs will be busy feasting, shopping and sharing, counting all the money they just made in bonuses on the backs of the American people.

Holidays - no matter what religion or beliefs you have - are typically a time to sit back, enjoy family and friends and just have a good time. Not this year or even the year before and probably not next year either. A very sad commentary on the state of the state of America.

As the new year approaches, I see it as a new beginning. An opportunity for Americans everywhere to stand up, speak out and take back control of "our" country. The message to our politicians, our administration and to our controlling "too big to fail" should be and is - we have had enough. We are the people of this nation. We are your bosses. You all work for us. We want justice and we want our freedom back. We want jobs and we want homes. We want food to feed ourselves and our children. We want our American way of life back. Not with the excesses that were allowed us by our government and financial institutions in recent years but the way of life we enjoyed prior. Sure, it did not work for all, even then, but that should have been our mission - to help those less fortunate then the majority. Instead, we walked many millions of people into a candy store and said, "you can have all you want...just take it". We were constantly reminded of this by television commercials from JPMorgan/Chase in their "I want it all and I want it now" campaigns.

Instead of helping those "less fortunate" we increased the numbers of "less fortunate" and increased the incomes and lifestyles of those already on the top tier of income and lifestyle.

So as this holiday and New Year season is fast approaching, let us all resolve to take action and let our rulers know just how we feel. You see, we still have one thing going for us here in America - we can still vote someone out of office. We can let them know our intentions. We're going to fire them and allow them their pensions and health benefits. A gift far larger then any they have given us in quite some time.

With a resolution of taking action and correcting the many wrongs that exist, perhaps, resolution by itself, can help us take the time out during this holiday season to enjoy our family and friends without the stress that exists.

To your success and NEVER GIVE UP

Robert Paisola
http://www.RobertPaisola.com
CEO
The Robert Paisola Foundation

The Consolidated Resorts Tahiti VillageTranscripts, Robert Paisola Reports LIVE

EXCLUSIVE- The Consolidated Resorts Tahiti VillageTranscripts- Prison for Artie Spector? http://tinyurl.com/ArtieSpectorIndictmentFBI Robert Paisola Reports LIVE

JPMorgan Chase Involved in Illegal and Fraudulent Loan Advice to Lenders- Robert Paisola Reports

If you’ve been following the reports on the Cay Clubs con, you’ve probably met Carisa and Craig Urban — two investors who got burned by Cay Clubs and one of its property managers, Phil Graham.

On Thursday, March 27, The Oregonian ran an article entitled “Chase mortgage memo pushes ‘Cheats & Tricks’,” in which reporter Jeff Manning exposes an incriminating memo that was being circulated amongst loan officers at JPMorgan Chase. The memo, called “ZiPPY Cheats & Tricks,” encourages loan officers to fudge facts and figures on loan applications, if necessary, to gain approval for loan applications that otherwise would be rejected by the bank’s automated underwriting system, ZiPPY.


http://www.flippingfrenzy.com/wp-content/uploads/2008/04/zippycheatstricks2.jpg

(click above to see memo)

The main problem with this practice–in addition to being illegal–is that it deceived loan applicants into believing that they could easily afford payments on the loans for which they were applying. After all, most borrowers assume, “the bank certainly wouldn’t approve a loan if I couldn’t make the payments.” This is exactly what happened to Cay Clubs investors Carisa and Craig Urban, as they relate in their own words:

We are approaching the one year anniversary of our investment in a Las Vegas Cay Club condo, but there’s not much to celebrate. We have sunk into the real estate and mortgage fraud abyss like so many others. It has been a long and grueling process to find someone who will listen to our story, believe what we have said, and assist us in seeking justice.

We purchased our first investment property during the era of the “mortgage meltdown,” when mortgage fraud was on the rise. Recently, we came across a disturbing memo that has been linked to a former Chase Account Representative, Tammy Lish. According to JPMorgan Chase, this is not an official company memo, they do not condone the practices recommended in the memo, and they fired the Account Representative as soon as they discovered who was responsible for it. We don’t doubt any of these claims. From our experience with Chase, however, we do believe that the recommendation in this memo were common practice.

The memo provides detailed information on how to work around the company’s automated underwriting system – a system designed to function as a gatekeeper, rejecting loan applications when borrower do not meet the minimum requirements. Here are the recommendations that the memo contains:

Always select “ALTERNATE DOCS” in the documentation drop down.
Borrower(s) MUST have a mid credit score of 700.
First time homebuyers require a 720 credit score.
NO! BK’s OR Foreclosures, EVER!! Regardless of time!
Salaried borrowers must have 2 years time on job with current employer.
Self employed must be in existence for 2 years. (verified with biz license)
NO non-occupant co borrowers.
Max LTV/CLTV is 100%

The memo also provides step-by step instructions on how to gain favorable SISA (Stated Income, Stated Assets) findings; in other words, how to make an applicant’s income and assets look good on paper:

In the income section of your 1003, make sure you input all income in base income. DO NOT break it down by overtime, commissions or bonus.
NO GIFT FUNDS! If your borrower is getting a gift, add it to a bank account along with the rest of the assets. Be sure to remove any mention of gift funds on the rest of your 1003.
If you do not get Stated/Stated, try resubmitting with slightly higher income. Inch it up $500 to see if you can get the findings you want. Do the same for assets.
We find it interesting that there were so many similarities between what the memo stated and what our loan officer from Chase Bank, Ross Pickard, actually did to us and numerous other investors who purchased Cay Club properties. Ross Pickard simply followed the #3 recommendation and plugged in inflated numbers for our income and assets to get the loan approved. That’s mortgage fraud, plain and simple.

He also labeled our purchase as a second home instead of an investment property. When we questioned him about it he said, “We can label it as a second home because with the Cay Clubs lease back agreement you would have possession of the property 2 weeks out of the year.”

In talking with other professionals, we have since come to question many aspects of this transaction. At the time, however, we believed we were working with a legitimate developer and a legitimate loan originator and lender. After all, JPMorgan Chase is no mom-and-pop operation. We approached the transaction believing we could trust these professionals. Cay Club Resorts also offered to waive our first year of HOA fees if we used their preferred vendor, Ross Pickard. I guess this shows our naivety and inexperience as first time investors.

As a result of this fraud, many of us are left struggling to pay mortgages we cannot afford–mortgages that no lender would have approved if it had been given accurate facts and figures. Moreover, we now owe mortgages on properties that are worth less than we owe on them. We can’t even refinance or sell our way out of trouble.

We know that an employee in the loss mitigation department from Chase Bank has been assigned to deal with Las Vegas Cay Club loans, but many owners do not qualify for deed in lieu of foreclosure or a short sale, which would enable us to get out from under these properties without losing any more money.

So where does that leave us? Stuck in the mortgage fraud abyss! The ZiPPY Cheats & Tricks memo is blatant proof that shady transactions were going on behind the scenes.

There is a task force currently looking into Ross Pickard’s bad practices, and it is only a matter of time before the truth comes out. Chase played a major role in the acts committed. Now it is time for Chase Bank to right its wrongs and the deceptive practices of its loan officers.

~ Carisa & Craig Urban

Fortunately, when fraud can be proven to have been committed on a loan application, the borrowers can file a RESPA (Real Estate Settlement Procedures Act) complaint and actually force the lender to renegotiate the terms of the loan. Carisa and Craig Urban have an open and shut case, proving that fraud was committed in approving and processing their mortgage loan.

Our fraud busting team is currently working with the Urbans’. We have carefully audited their loan application and highlighted the specific incidents of fraud that were committed and are in the process of filing a RESPA complaint on behalf of the Carisa and Craig. We fully expect justice to be served and the Urbans’ to receive some long awaited relief.