Zalma’s Insurance Fraud Letter – August 1, 2021


ZIFL – 08-01-2021 Volume 25 Issue 15

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Convicted Insurance Fraudster Appeals Finding She Breached Probation

Fraud Perpetrators Have Unmitigated Gall

Kristi Heffington appealed from the revocation of her probation. She argued on appeal that the revocation court’s decision was error even though it was proved that she had sent text messages to herself claiming it came from her past employer dentist who fired her for stealing from his practice and defrauding insurers. In Kristi Heffington v. State of Maryland, No. 1899, Court of Special Appeals of Maryland (July 1, 2021) the appellate court wasted much time dealing with her spurious allegations in an attempt to avoid jail.


I am always amazed at the unmitigated gall, the “chutzpah” of those convicted of insurance fraud, who use the courts to spend more time and money than the fraudster stole. Ms. Heffington pleaded guilty to the crime. She was lucky, she only had to serve 9 months of a ten year sentence and leave the dentist she stole from alone. She couldn’t resist. She harassed the dentist and tried to get the court, with false evidence, to remove her obligation to make restitution. She got caught and was sentenced to spend another 9 months and she appealed that. She should have been sentenced to serve the full 10 years. Punishment needs to be real if it is to deter future wrongful actions.

Refusal to Testify at Examination Under Oath is a Breach Condition Precedent

Court Of Appeal Requires Third Trial of Breach of Condition Precedent Case

Health Insurance Fraud Convictions

Videos on YouTube and Zalma on Insurance from Barry Zalma

Other Insurance Fraud Convictions

New and Now Available from the Zalma Insurance Claims Library

© 2021 – Barry Zalma Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders.

He also serves as an arbitrator or mediator for insurance related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business.

He is available at and [email protected]. Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award. Over the last 53 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to make it possible for insurers and their claims staff to become insurance claims professionals.

Go to the podcast Zalma On Insurance at;  Follow Mr. Zalma on Twitter at; Go to Barry Zalma videos at at; Go to Barry Zalma on YouTube-; Go to the Insurance Claims Library – Read posts from Barry Zalma at; and the last two issues of ZIFL at  podcast now available at