(303)-974-5610

Financial Forensic Report 1.4.2021

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Table Of Contents: 

  • “Two Men Charged With Theft Of Home After Foreclosure” Article from The Paper Source Newsletter
  • “How Disruptive Processes Can Increase Judgment Recovery By 80%” Article by Joe Dickerson, CFE, CFI
  • Russian Chicken Recipe
  • “Don’t Hope – Decide” Short Story
  • Buy “Diagnostic & Prescriptive Judgment Enforcement” Book By International Best Seller Author, Joe Dickerson, CFE,
  • “What Clients Say” About Financial Forensic Services

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TWO MEN CHARGED WITH THEFT OF HOME AFTER FORECLOSURE 

Semyon (aka Sam) Muratov, 34, and Yuriy Munarov, 31, both of Forest Hills, Queens, New York, who were the winning bidders at a foreclosure auction, have been charged with illegally evicting a homeowner from his lawful residence and then breaking in and boarding up doors and windows prior to legally assuming ownership and taking possession of the property.

The defendants were charged with second-degree burglary, third-degree criminal mischief, second-degree criminal trespass, and unlawful eviction. The defendants face up to 15 years in prison if convicted. According to the charges, Muratov placed a down payment of $25,000 on a residence located on 11th Street in Richmond Hill, Queens, at a foreclosure sale. However, the sale had not yet gone to closing. 

That same day, it was alleged that Muratov and Munarov went to the property and informed the homeowner they had bought his house at an auction and  he had to vacate the premises. When the homeowner asked for proof of the sale, the defendants refused to supply any evidence and instead told the homeowner that he had to give them the keys to the house, and that they would be back in a couple of days to make sure he left.

It was additionally alleged that when the two defendants returned to the property and they couldn’t gain entry, they broke in. They told the homeowner that he could take a few things with him. When indicated that he had nowhere to go, the defendants allegedly gave him $200 in cash to find a place to stay. At that point, the homeowner grabbed some important documents and left the location.

When he returned later to the house, he allegedly discovered that all of the first-floor doors and windows had been boarded up and chains had been placed in the door lock areas of the front door, preventing him from gaining entry to his house, which contained most of his personal belongings.

Although the mortgage lender auctioned off the property, Muratov could not assume ownership of the property until there was a closing with full payment for the property and a transfer of the deed, and he should have waited until then to evict the homeowner.

Even after a closing, Muratov would have had to proceed with a lawful eviction proceeding of the homeowner. He and Munarov did not have any authority to show up at the residence, direct the homeowner to vacate the premises, and board up the house.

“More and more we are seeing individuals who are dealing with distressed properties unscrupulously taking advantage of the situation to benefit themselves,” said the district attorney. “The defendants in this case are accused of taking the law into their own hands and bullying a homeowner into vacating his residence so that they would not have to deal with a housing court eviction proceeding.”

The sheriff said, “We are not going to stand for anyone circumventing the law. Our office is working diligently to protect homeowners and tenants who may  fall victim to the various unscrupulous and predatory behaviors in real estate transactions. People have the right to live undisturbed in their homes, and these two individuals are accused of violating the due process rights of the tenants at the address. The Sheriff’s Office stands ready to arrest individuals who violate this basic principle.”

Reprinted with permission from “The Paper Source: The News of the Note Business”

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HOW DISRUPTIVE PROCESSES CAN INCREASE JUDGMENT RECOVERY BY 80%


By: Joe Dickerson, CFE, CFI

It’s Not What You Win – It’s What You Recover That Matters!

Winning your case and being granted a judgment by the court is said to be justice. But where is the justice if the “winner” does not recover their loss? With 80% of the civil judgments never being collected, year after year in the U.S., it would appear that the only winners are the attorneys – all attorneys involved, the attorneys for the winners (the judgment creditors) and the attorneys for the losers (the judgment debtors). The traditional process is time-consuming, expensive (more billable hours) and is a failure.

By scaling down the current unproductive, bloated process, clients can now get a much more efficient economical result by using the “Sure-Fire Judgment Enforcement Process” developed by Joe Dickerson, CFE, CFI and Chief Executive Officer, Founder of Financial Forensic Services, LLC.

Traditionally attorneys for judgment creditors would start the enforcement process by subpoenaing the debtor for a deposition (aka debtor’s exam) with the subpoena requiring the debtor to bring with him all of his financial records, including tax returns, bank statements, financial statements, real estate deeds, etc.

The process is very seldom, if ever effective. In fact, it is nearly always counterproductive. By the very nature of the questions posed by the judgment creditor attorney, he is telling the debtor what he knows and what assets he is going after so the debtor can move those assets, bury them even deeper and make them even more expensive and difficult to recover. This process is then followed again and again until the creditor attorney has told the debtor everything he thinks he knows at this point.

When the creditor attorney asks the “hard questions” such as, “Will you please produce your bank statements?” The reply is usually some version of, “What statements are you talking about?” or, “I’m sorry but my CPA (or my wife) has all those, but I’ll be sure and get them for you.” etc., etc., ad nauseam. When asked, “What other assets do you own or where else do you have bank accounts?” the debtor frequently lies! Yes, even under oath, they are often not good, honest people. In fact, they are often frequently professional thieves, conmen, etc. and yes, women are often better at it than men. It is often asked, “Well what about their attorney, they’re a licensed professional, don’t they have to require their witnesses to tell the truth?” What’s the saying about birds of a feather flock together? Who do you think coaches the witness?

Remember, the bad guys often do not tell the truth and frequently do NOT comply with the production subpoenas, often with impunity. It is not unusual for the creditor’s attorney to fail to push for compliance.


So, what can and should the judgment creditor do?

Two things:

  1. Immediately fire your uncapable/non-performing attorney.
  2. Hire a team of professional forensic judgment enforcement experts to efficiently locate and document assets to satisfy the judgment and manage the recovery process.

For a free, no obligation consultation or review of your uncollected judgment, Call Joe Dickerson, CFE, CFI at 303.974.5610 or Email joe@financialforensicservices.com.


 Also visit our website at www.financialforensicservices.com or our
YouTube page at www.youtube.com/financialforensics
and see our three short video clips.

To order a copy of Joe’s International Best Seller Book,
“Diagnostic & Prescriptive Judgment Enforcement”
call 303.974.5610


Copyright all rights reserved. Financial Forensic Services, LLC 2020 Brief quotation with attribution permitted. 

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DON’T HOPE – DECIDE!

While waiting to pick up a friend at the airport in Portland, Oregon, John had one of the life changing experiences that you never hear other people talk about – the kind that sneaks up on you unexpectedly. This one occurred a mere two feet away from him.

Straining to locate his friend among the passengers deplaning through the jet way, he noticed a man coming toward him carrying two light bags. The man stopped right next to him to greet his family.

First the man motioned to his youngest son (maybe six years old) as he laid down his bags. They gave each other a long, loving hug. As they separated enough to look into each other’s face, John heard the father say, “It’s so good to see you, son. I missed you so much!” His son smiled somewhat shyly, averted his eyes and replied softly, “Me to, Dad!”

Then the man stood up, gazed his eyes of his oldest son (maybe nine or ten) and while cupping his son’s face in his hands said, “You’re already quite the young man. I love you very much, Zach!” They too hugged a most loving, tender hug.

While this was happening, a baby girl (perhaps one or one and a half) was squirming excitedly in her mother’s arms, never once taking her little eyes off the wonderful sight of her returning father. The man said, “Hi, baby girl” as he gently took the child from her mother. He quickly kissed her face all over and then held her close to his chest while swinging her from side to side. The little girl instantly relaxed and simply laid her head on his shoulder, motionless in pure contentment.

After several moments, he handed his daughter to his oldest son and declared, “I’ve saved the best for last!” and proceeded to give his wife the longest most passionate kiss John ever remembered seeing. The man gazed into her eyes for several seconds and then silently mouthed, “I love you so much!” They stared at each other’s eyes beaming big smiles at one another while holding both hands.

For an instant they reminded John of newlyweds, but he knew by the age of the kids that they couldn’t possibly be. John puzzled about it for a moment then realized how totally engrossed he was in the wonderful display of unconditional love not more than an arm’s length away from him. Suddenly feeling a little uncomfortable, as if he was invading something sacred, he was amazed to hear his own voice nervously ask, “Wow! How long have you two been married?”

The man replied, “Been together fourteen years, married twelve of them” never breaking his gaze from his lovely wife’s face. “Well then how long have you been away?” John asked. The man finally turned and looked at John, still beaming his joyous smile, “Two whole days” he replied.

Two days! John was stunned. By the intensity of the greeting, John had assumed he’d been gone for at least several weeks – if not months. John knew his expression betrayed him.

He said almost offhandedly, hoping to end his intrusion with some semblance of grace (and to get back to searching for his friend), “I hope my marriage is still that passionate for twelve years!”

The man suddenly stopped smiling.

He looked John straight in the eye, and with forcefulness that burned right into John’s soul, said something that left John a different person. He told John, Don’t hope friend – decide!” Then he flashed his wonderful smile again, shook John’s hand and said, “God Bless.”

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Diagnostic & Prescriptive Judgment Enforcement
By: Joe H. Dickerson, CFE

$24.95 + FREE S&H

Please place your book orders by calling
303.974.5610
during normal business hours Mon-Fri 9am-5pm MT.
or email joe@financialforensicservices.comand make an appointment
for a FREE initial review of your judgment. Thank you!

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As Seen In

Financial Forensic Services, LLC is proud to staff Certified Fraud Examiners

Testimonial

” I was prepared to dismiss a federal case involving millions of dollars against a local individual who claimed to have no substantial assets. After your staff hit the records and delved into the transactions behind the transactions, you discovered the individual to actually be worth a few million dollars. We continued the case to conclusion. We were also very happy with the financial background examinations you conducted of the former directors of two failed national banks. The heart of any civil case is whether there is a pot at the end of the lawsuit. You were our lucky leprechaun in finding such pots.”

R. Michael Sentel
, Former Section Chief Legal Division, FDIC

2014-11-11T18:13:08+00:00

R. Michael Sentel
, Former Section Chief Legal Division, FDIC

” I was prepared to dismiss a federal case involving millions of dollars against a local individual who claimed to have no substantial assets. After your staff hit the records and delved into the transactions behind the transactions, you discovered the individual to actually be worth a few million dollars. We continued the case to conclusion. We were also very happy with the financial background examinations you conducted of the former directors of two failed national banks. The heart of any civil case is whether there is a pot at the end of the lawsuit. You were our lucky leprechaun in finding such pots.”

“When I was general counsel for First Interstate Bank, I used Joe Dickerson for locating assets, investigating behavior and asset discovery. He did excellent work and always got the information I needed without compromising the bank in any way. He’s more thorough and kept in better touch with me than other investigators. I’d give him a grade of 96 or 97 out of 100.”

Frank Brainerd, Retired
Banker/Attorney

2014-11-11T18:20:20+00:00

Frank Brainerd, Retired
Banker/Attorney

“When I was general counsel for First Interstate Bank, I used Joe Dickerson for locating assets, investigating behavior and asset discovery. He did excellent work and always got the information I needed without compromising the bank in any way. He’s more thorough and kept in better touch with me than other investigators. I’d give him a grade of 96 or 97 out of 100.”

“Joe spends the time to understand the problem from the client’s perspective and from the legal perspective. He is intelligent, tenacious, willing to work as hard as it takes, thorough, well-informed, and just awfully good at what he does.”

Thomas E. Root, 
Attorney

2014-11-11T18:20:05+00:00

Thomas E. Root, 
Attorney

“Joe spends the time to understand the problem from the client’s perspective and from the legal perspective. He is intelligent, tenacious, willing to work as hard as it takes, thorough, well-informed, and just awfully good at what he does.”

“Joe is the most competent investigator I’ve ever found. He has rare ability to find hidden assets. Others claim it, Joe has it. He understands the Rules of Evidence, he knows how to talk to people to develop a fact pattern, and he has a sixth sense for fraud. Joe has unquestioned integrity and delivers value for his services.”

Andrew Quiat
, Attorney

2014-11-11T18:12:51+00:00

Andrew Quiat
, Attorney

“Joe is the most competent investigator I’ve ever found. He has rare ability to find hidden assets. Others claim it, Joe has it. He understands the Rules of Evidence, he knows how to talk to people to develop a fact pattern, and he has a sixth sense for fraud. Joe has unquestioned integrity and delivers value for his services.”

“They went overboard in providing excellent service. I was very pleased with what they provided for me as their end product. Financial Forensic Services really understands how a case needs to be put together in order to be presented to a jury. Their PowerPoint presentation tied everything together. It was thorough, it was concise, and it got the job done.”

Jim Thomas
, Prosecuting Attorney

2014-11-11T18:21:32+00:00

Jim Thomas
, Prosecuting Attorney

“They went overboard in providing excellent service. I was very pleased with what they provided for me as their end product. Financial Forensic Services really understands how a case needs to be put together in order to be presented to a jury. Their PowerPoint presentation tied everything together. It was thorough, it was concise, and it got the job done.”

“Joe Dickerson is the industry standard. You can measure the rest by what he does, and I say that without equivocation. Joe has incredible insight into the dark world of fraud. He understands the devious ways in which people perpetrate white-collar crime.”

Jan Schlichtman
, Attorney at Law

2014-11-11T18:20:55+00:00

Jan Schlichtman
, Attorney at Law

“Joe Dickerson is the industry standard. You can measure the rest by what he does, and I say that without equivocation. Joe has incredible insight into the dark world of fraud. He understands the devious ways in which people perpetrate white-collar crime.”

“Financial Forensic Services did an excellent job in the way they executed my case. They were very straightforward. They stated what they could do for us and they did it. And, from a personal standpoint, they are excellent. Both my wife and I felt very comfortable working with them.”

Michael Whalen, 
Businessman

2014-11-11T18:21:13+00:00

Michael Whalen, 
Businessman

“Financial Forensic Services did an excellent job in the way they executed my case. They were very straightforward. They stated what they could do for us and they did it. And, from a personal standpoint, they are excellent. Both my wife and I felt very comfortable working with them.”

“As an environmental law firm, we use Joe Dickerson to locate prior business owners and do corporate genealogies. He is persistent, that’s the key to a good investigator, and he has a knack for understanding how people move money and do business. That tells him what rocks to look under. Joe is vastly superior to other investigators in two ways: he lets you know what’s going on and he’s honest with you, because he tells you if there’s really anything there worth pursuing. He is unusually thorough and creative finding people. Joe has earned his fee every time.” “If the information is to be found, then I believe that they will find it. Their service enabled me to do a much better job for my client.”

Tim Gabelhouse
, Attorney at Law

2014-11-11T18:20:41+00:00

Tim Gabelhouse
, Attorney at Law

“As an environmental law firm, we use Joe Dickerson to locate prior business owners and do corporate genealogies. He is persistent, that’s the key to a good investigator, and he has a knack for understanding how people move money and do business. That tells him what rocks to look under. Joe is vastly superior to other investigators in two ways: he lets you know what’s going on and he’s honest with you, because he tells you if there’s really anything there worth pursuing. He is unusually thorough and creative finding people. Joe has earned his fee every time.” “If the information is to be found, then I believe that they will find it. Their service enabled me to do a much better job for my client.”