Medical Receptionist –

The Purpose of this post is to ALERT you that the job you are about to apply for scamalert4or may have applied FOR or is CONSIDERING APPLYING FOR is FRAUDULENT. The identities of individuals or a business entity have been stolen along with fund from their bank accounts.

These job postings are an attempt to lure you into accepting wire transfers and cashing counterfeit checks into your bank accounts. You are being recruited to wire transfer these funds via WESTERN UNION or MONEYGRAM from your bank into a DOMESTIC BANK or OFFSHORE BANK ACCOUNT.

Essentially You Become A Money or Repackage Mule

  1. Money Mule Explained
  2. Understanding The Cyber Theft Ring
  3. Protecting Yourself Against Money Mule
  4. KrebsOnSecurity – Cyberheist
  5. by Brian Krebs
  6. Interview With A Money Mule
  7. ~ Historical Money Mule Sites


Dear ScamFraudAlert,

Your resume was received and it has been reviewed, I did appreciate it. it’s reasonable and acceptable. So I will give this a go.

I’m looking for someone that can be trusted and reliable, someone with good understanding and working skills.

I am Paul Crandall , 49 yrs of age, I’m Self employed..I am an importer by profession and I have been pretty successful in a handful of ventures I get involved in; from the Angel of importing fabrics to various welfare and community service programs. I most very often get my hands occupied, so it is imperative for me to have a worthy assistant who can monitor and keep me up to date with my activities.This position is home-based and flexible, working with me is basically about instructions and following them. My only fear is that I may come at you impromptu sometimes, so i need someone who can be able to meet up with my irregular timings.

As my personal assistant, your activities among others will include:

*Create and modify documents using Microsoft Office and Running personal errands, supervisions and monitoring.

*Scheduling programmes, flights and keeping me up to date with them as well acting as an alternative telephone correspondence while I’m away.

*Making regular contacts and drop-offs on my behalf.Also, Handling and monitoring some of my financial activities..

*Basic wage is $700 a week .


*Good planning, communication and organization skills

*Must be honest, reliable & dependable

*Must be organized & extremely detail oriented

*Experience working with the internet, email.

NOTE: The above qualification requirements can also be learnt if you are willing to take up the challenges.

I’m sure you’ll understand I tend to have a very busy schedule at this point as I am presently in Iceland for a summit. I will be back in Three Weeks time.

I think you’re the right person for this post, Please note that this position is not office based for now because of my frequent travels and tight schedules. It’s a part-time, work from home basis and the flexibility means that there will be busier weeks than others. So it’s a little difficult judging the exact number of hours you’ll be doing per week. If you can manage your time properly, this job may even give you some extra while you do something else on the side. As I have said, I’d want us to get a head start with things as soon as possible. I do have a pile up of work and a number of unattended chores which you can immediately assist me with. I hope we can meet up with the workload eventually. Permit me to use the coming week to test your efficiency and diligence towards all this, also to work out your time schedule and fit it to mine.

I really need to find the perfect person for this job and i am confident you can take up the challenges. On the long run we should have a relatively sound working relationship between us.I’m online most of the time as I am hard of hearing so I prefer we contact each other through E-mails but if there is need for me to call, I will be glad to do that. I am glad you are willing to work with me and i promise to be a good boss. I am also glad on the commitment in working. I have been checking my files and what i would want you to do for me next week is to run some errands out to some of the orphanage home which I do every month. The funds will be in form of Cashier check or money order, it will be sent over to you from one of my clients and i have some list to email you once you received the funds. You will make some arrangements by buying some stuff for the kids in the nearest store around you so you can mail them out. I will get you more information on that.



Once I have received your application form, I will get back to you with the task for next week. Please understand that you will also be paid as well as its important for me to make the necessary steps before i get back from my business trip. I hope i am clear with that?

NOTE: This position is home-based and flexible part time job, you can be in any location, work from your home doing all the activities.

Please get back as soon as possible.


California Says Kramer & Kaslow Law Office Runs Foreclosure Scam

VAN NUYS, Calif. (CN) – California’s attorney general claims the Kramer and Kaslow Law Office is running a foreclosure scam that has suckered “thousands of California homeowners.” The state claims the law office and a long list of other defendants “prey on desperate consumer homeowners facing foreclosure” by selling participation in bogus “mass joinder” lawsuits and “litigation settlement(s),” but “No settlements exist and in some cases no lawsuit has even been filed.”

The state claims the defendants send bogus mailers announcing “Litigation Settlements,” telling homeowners they can join a “national litigation settlement” with their lender, but “No settlements exist and in some cases no lawsuit has even been filed.”
Attorney General Kamala Harris claims: “Thousands of California homeowners have fallen for defendants’ scam, and defendants have exported their mass joinder scheme nationwide.”

Lead defendant Kramer & Kaslow is run by Philip Allen Kramer, its president, CEO and director, the state says. It claims that Kramer, “acting alone or in concert with others, has formulated, directed, controlled, authorized, or participated in the acts and practices set forth in this complaint. Kramer is a resident of Los Angeles County.”
The complaint states: “Defendants prey on desperate consumer homeowners facing foreclosure and the loss of their homes by selling participation in so-called ‘mass joinder’ lawsuits against their mortgage lenders. Veterans of the loan modification industry, defendants use deceptive advertising and  telemarketing to recruit consumers to join these lawsuits, at a cost of thousands of dollars each. Consumers are led to believe that joining these lawsuits will stay foreclosures, reduce their loan balances, entitle them to monetary benefits and potentially get them their homes free and clear of their mortgage.
Defendants often initiate the scheme by sending misleading mailers, including ‘Litigation Settlement Notification’ mailers to homeowners notifying them that they are potential plaintiffs in a ‘national litigation settlement’ with their lender. No settlements exist and in some cases no lawsuit has even been filed.

Defendants’ mailers nevertheless state that homeowners may receive their homes free and clear of a mortgage, stop foreclosures, and receive thousands of dollars in compensation for damages. The mailer states it is a ‘final notice’ and that a phone in response is required, luring homeowners into contacting defendants.
Once homeowners call the telephone numbers, defendants engage them with additional false and misleading claims. Defendants’ telemarketers, who are not attorneys, provide misleading advice to homeowners regarding legal procedures and the likely results and benefits of joining the mass joinder lawsuits. Defendants tell consumers that judges have already ruled that the banks were practicing predatory lending and that consumers have already received the promised results. Defendants make false and misleading claims the mass joinder lawyers have achieved substantial victories against the bank lenders, including obtaining homes free and clear, stopping foreclosures, and obtaining orders rescinding notices of default. Defendants claim that the attorneys handling the mass joinder lawsuits have tried thousands of cases, and only take on qualified clients likely to be helped by the lawsuit.
“Homeowners are told that a settlement could happen at any moment and only those who have joined the lawsuit will receive the promised benefits. Defendants repeatedly make false or misleading statements to homeowners to get them to sign a retainer agreement and pay them thousands of dollars. Once homeowners sign a contract to join a ‘mass joinder’ lawsuit and defendants take their money, as much as $10,000, from their bank accounts, homeowners find they are unable to speak with an attorney with knowledge of the lawsuit. Basic questions such as whether the homeowner has been added to the lawsuit go unanswered. Some homeowners pay defendants thousands of dollars only to lose their homes shortly thereafter to foreclosure.
“Thousands of California homeowners have fallen for defendants’ scam, and defendants have exported their mass joinder scheme nationwide. In this action, plaintiff seeks an order permanently enjoining Defendants from engaging in their unlawful business practices, granting restitution for affected consumers, imposing civil penalties, and granting all other relief available under California law. By the filing this lawsuit, Plaintiff does not seek to interfere with any consumer lawsuits or opine on the validity of any legal theories used to challenge alleged fraud by mortgage lenders or servicers.

However, defendants should not be allowed to violate California law by recruiting consumers into joining even potentially legitimate lawsuits by means of false and deceptive advertising.”

The state claims the defendants also engage in illegal “running” or “capping” to recruit participants in their alleged lawsuits.
It seeks injunctions and $2,500 in penalties for each violation of the state business code, including untrue or misleading representations and unfair competition, “but not less than $5 million.”

    Here are the defendants: The Law Offices of:

  • Kramer and Kaslow dba K2 Law
  • Mass Litigation Alliance
  • Consolidated Litigation Group;
  • Philip Allen Kramer;
  • Mitchell J. Stein & Associates, Inc.;
  • Mitchell J. Stein;
  • Christopher Van Son;
  • Mesa Law Group Corp.;
  • Paul Warren Petersen;
  • Attorneys Processing Center, LLC;
  • Data Management, LLC;
  • Gary Digirolamo;
  • Bill Merrill Stephenson;
  • Mitigation Professionals, LLC;
  • Glen Reneau;
  • Pate, Marier and Associates, Inc.;
  • James Eric Pate;
  • Ryan William Marier;
  • Home Retention Division;
  • Michael Anthony Tapia dba Customer Solutions Group and
  • Home Retention Division;
  • Lewis Marketing Corp;
  • Clarence John Butt;
  • Thomas David Phanco.

23901 Calabasas Rd # 2013
Calabasas, CA 91302-3307
(818) 224-3900

FTC vs Payday Financial, LLC

For Release: 09/12/2011

FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers’ Paychecks
After the Federal Trade Commission filed an action in U.S. district court, a paydaylender that allegedly attempted to illegally garnish consumers’ wages has agreed to stop the challenged conduct pending trial.

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that Payday Financial, LLC, doing business as Lakota Cash and Big Sky Cash, along with other defendants, illegally attempted to garnish consumers’ wages without obtaining a court order, to collect payments onpayday loans. As a result, the defendants illegally revealed consumers’ supposed debts to their employers and deprived consumers of their right to dispute the debts ormake payment arrangements, the FTC alleges.

According to the FTC, defendant Martin A. Webb operates Payday Financial, LLC, and several related businesses in Timber Lake, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of $300 to $2,525 to consumers throughout the country, advertising on television and through websites such as Home Page andUnsecured Loans with Us: Quick Money, Fast Cash Loans Online.

The FTC complaint alleges that when a consumer does not pay back a payday loan on time, the defendants send documents to his or her employer that mimic those used by federal agencies collecting debts owed to the government in an attempt to garnish the consumer’s wages. Under federal law, the government can directly require employers to garnish wages for debts it is owed without a court order. But private creditors must obtain a court order before garnishing a debtor’s wages.

The complaint charges the defendants with violating the FTC Act by:

  • misrepresenting to employers that the defendants are legally authorized to garnish an employee’s wages, without first obtaining a court order;
  • falsely representing to employers that the defendants have notified consumers about the pending garnishment and have given them an opportunity to dispute the debt; and
  • unfairly disclosing the existence and the amounts of consumers’ supposed debts to employers and co-workers without the consumers’ knowledge or consent.

The complaint further alleges that the defendants have violated the FTC’s Credit Practices Rule by requiring consumers taking out payday loans to consent to have wages taken directly out of their paychecks in the event of a default, and have violated the Electronic Funds Transfer Act and Regulation E by requiring authorization for electronic payments from their bank account as a condition of obtaining payday loans.

The Commission vote authorizing the staff to file the complaint was 5-0. The FTC filed the complaint and a request for preliminary relief in the U.S. District Court for the District of South Dakota, Central Division on September 6, 2011. The complaint names as defendants

  • Payday Financial, LLC,
  • Great Sky Finance, LLC,
  • Western Sky Financial, LLC,
  • Red Stone Financial, LLC,
  • Financial Solutions, LLC,
  • Management Systems, LLC,
  • 24-7 Cash Direct, LLC,
  • Red River Ventures, LLC,
  • High Country Ventures, LLC, and Martin Webb.

On September 7, 2011, the parties agreed to a stipulated preliminary injunction to immediately halt the alleged unlawful conduct, and the court accepted and entered the stipulated preliminary injunction. The FTC would like to acknowledge the assistance of the South Dakota U.S. Attorney’s Office.

NOTE: The Commission files a complaint when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendant has actually violated the law.

The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357).

The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s website provides free information on a variety of consumer topics. Like the FTC on Facebook and follow us on Twitter.

Betsy Lordan
Office of Public Affairs
LaShawn Johnson
Bureau of Consumer Protection
(FTC File No. 1123023)
(Payday Financial NR)

Royalty Resource Network” (RRN)

Phone: (304) 558-8986
Release Date: September 7, 2011

Attorney General Darrell McGraw Warns of Advertised RRN Loan Scam

Requires Fees To Be Wired In Advance To Get Non-Existent Loans

CHARLESTON – West Virginia Attorney General Darrell McGraw is warning the state’s consumers to stay clear of offers promises of “fast and easy loans” in a new crop of advertisements produced by the “Royalty Resource Network” (RRN), a scam operating out of Canada, that are appearing in area publications.

RNN’s advertising claims that the company charges no application, processing or consulting fees for loans ranging from $2,500.00 up to $1 million dollars. In reality, consumers are required to send in advance a portion of the funds they intend to borrow, usually through a wire service such as Western Union or Money Gram. Once the funds are picked up, RNN’s fake loan officers disappear with the cash.

Attorney General McGraw says that this type of scam surfaces frequently on the Internet. This time the criminals are using smaller newspapers and publications. In this particular instance, a large ad was ordered and placed in The Ad Bulletin. In addition to ripping off consumers, the crooks scammed The Ad Bulletin as well; the credit card number that RNN provided for payment had been stolen.

“Consumers should use extra caution when responding to any sort of advertisement regarding lending and finance,” Attorney General McGraw said. “Thieves will use newspapers, websites, e-mails, telephone calls – any medium at their disposal – to help you part with your hard-earned money.

“No legitimate company or organization will require you to wire money in advance using a wire transfer service in order to qualify for a loan, grant or any other financial aid.”

By using free e-mail accounts, disposable cell phones and remotely routed toll-free numbers, scammers are able to open up and close shop in a matter of days. The toll-free number used by RRN, the swindlers who also operated as the Vintage Consumer Network and Forum Family Services, now rings as a fast busy signal.

Attorney General’s McGraw’s Consumer Protection Division has referred complaints received against Royalty Resource Network, Vintage Consumer Network, and Forum Family Services, as well as other across-the-border advance-fee loan scams, to the Canadian Anti-Fraud Centre, a joint task force of the Ontario Provincial Police, the Royal Canadian Mounted Police and the Competition Bureau Canada.

To report a scam or file a complaint, West Virginians can reach the Attorney General’s Office online at or by calling the Consumer Protection Hotline at ¬1-800-368-8808. For regular consumer news updates, follow “AGWestV” on Facebook, Twitter, and YouTube.
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