• Vaccine Propaganda and Coercion

    We ALL should now KNOW FOR CERTAIN the reason for the coercion, unlawful #Discrimination, Dancing Nurses, and the unlawful "Vaccine Mandates" (For a GENE THERAPY, not a vaccine) the #Censorship of truthful information, the "Fact-Checking" #Propaganda, and the numerous other violations of the #NurembergCode that were committed by the corporation you call "#Government" were designed to coerce the people into taking a #DNA altering "GENE THERAPY" in violation of every medical ethics rule ever made, to get people to take a #WEAPON of #Genocide

    Those guilty of this #CrimeAgainstHumanity must have figured that everyone who could possibly hold them accountable for this demonic act would be DEAD!

    It's about time to hold those responsible accountable!
    There was NOTHING "innocent" about this operation!

    This was not done "in good faith" as they want you to believe!
    This was done to further the #Depopulation Agenda of madmen and #Luciferians (who run every "government" on earth)

    EVERYTHING about this #HOAX was designed to get you to allow a WEAPON to be injected into your body! And if you cannot clearly see as much... YOU MUST BE BLIND!

    OR you are in a trance from watching their #MKUltra #MindControl propaganda on television, and in radio.

    EVERYTHING on television is designed to put you into a hypnotic state and manipulate your reality and control your mind

    TO THIS DAY THERE HAVE BEEN NO ARRESTS MADE
    of those responsible for this attack on all of mankind!

    That tells me that #Police and #LawEnforcement, and even the #Courts are ALL COMPLICIT IN THESE CRIMES!

    These people THINK they will go unpunished for these crimes...
    It is time for humanity to prove them WRONG!

    It is time for people to be HELD ACCOUNTABLE!
    And that includes ALL "Law Enforcement" Agencies and political #Parasites who have failed to take action and to STOP the continuing distribution of these weapons of genocide!

    The #WHO and Bill & Melinda Gates Foundation, Fauci, and the EcoHealth Alliance, and the DOD, FDA, and #CDC are all also complicit in these crimes.

    As are platforms like FaceBook, YouTube, and Google who ALL used #Censorship to prevent LIFE SAVING INFORMATION to get out to the public, which quite possibly could have saved many lives!

    https://eppc.org/publication/vaccine-propaganda-and-coercion/
    Vaccine Propaganda and Coercion We ALL should now KNOW FOR CERTAIN the reason for the coercion, unlawful #Discrimination, Dancing Nurses, and the unlawful "Vaccine Mandates" (For a GENE THERAPY, not a vaccine) the #Censorship of truthful information, the "Fact-Checking" #Propaganda, and the numerous other violations of the #NurembergCode that were committed by the corporation you call "#Government" were designed to coerce the people into taking a #DNA altering "GENE THERAPY" in violation of every medical ethics rule ever made, to get people to take a #WEAPON of #Genocide Those guilty of this #CrimeAgainstHumanity must have figured that everyone who could possibly hold them accountable for this demonic act would be DEAD! It's about time to hold those responsible accountable! There was NOTHING "innocent" about this operation! This was not done "in good faith" as they want you to believe! This was done to further the #Depopulation Agenda of madmen and #Luciferians (who run every "government" on earth) EVERYTHING about this #HOAX was designed to get you to allow a WEAPON to be injected into your body! And if you cannot clearly see as much... YOU MUST BE BLIND! OR you are in a trance from watching their #MKUltra #MindControl propaganda on television, and in radio. EVERYTHING on television is designed to put you into a hypnotic state and manipulate your reality and control your mind TO THIS DAY THERE HAVE BEEN NO ARRESTS MADE of those responsible for this attack on all of mankind! That tells me that #Police and #LawEnforcement, and even the #Courts are ALL COMPLICIT IN THESE CRIMES! These people THINK they will go unpunished for these crimes... It is time for humanity to prove them WRONG! It is time for people to be HELD ACCOUNTABLE! And that includes ALL "Law Enforcement" Agencies and political #Parasites who have failed to take action and to STOP the continuing distribution of these weapons of genocide! The #WHO and Bill & Melinda Gates Foundation, Fauci, and the EcoHealth Alliance, and the DOD, FDA, and #CDC are all also complicit in these crimes. As are platforms like FaceBook, YouTube, and Google who ALL used #Censorship to prevent LIFE SAVING INFORMATION to get out to the public, which quite possibly could have saved many lives! https://eppc.org/publication/vaccine-propaganda-and-coercion/
    EPPC.ORG
    Vaccine Propaganda and Coercion - Ethics & Public Policy Center
    Institutions embraced these misguided policies with little public discussion and no debate.
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  • Zalma’s Insurance Fraud Letter September 15, 2024

    Zalma’s Insurance Fraud Letter

    A ClaimSchoolℱ Publication © 2024 Barry Zalma & ClaimSchool, Inc.

    Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkycVolume 28, Issue 21 – November 15, 2024

    “Honor, justice, and humanity, forbid us tamely to surrender that freedom which we received from our gallant ancestors, and which our innocent posterity have a right to receive from us. We cannot endure the infamy and guilt of resigning succeeding generations to that wretchedness which inevitably awaits them if we basely entail hereditary bondage on them.”

    Thomas Jefferson

    Insurance Fraud Requires Doctor to Lose his License

    Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License

    Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation.

    The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage.

    FACTS

    Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey.

    Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo.

    THE OAL HEARING

    At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.”

    Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed.

    THE ALJ’S DECISION

    The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.”

    On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.”

    The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees.

    Quartararo Argued

    The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation and resorted to making threats resulting in the issuance of a temporary restraining order against him.

    Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid.

    ZIFL OPINION

    Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud.

    Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkyc

    IT PAYS INSURER DEFENDANTS TO INVESTIGATE INJURY CLAIMS

    In Chris Kallco v. Melissa Lynn Pugh, Chris Kallco, and Precise Mri Of Michigan, LLC v. Citizens Insurance Company Of The Midwest and Melissa Lynn Pugh, No. 368156, Court of Appeals of Michigan (October 30, 2024) affirmed the trial court’s decision.

    Plaintiff appealed from two orders granting summary disposition in favor of defendants even though he failed to respond to either motion.

    FACTUAL BACKGROUND

    This case arises out of a motor vehicle accident that occurred on March 9, 2020 involving plaintiff and Pugh. Plaintiff alleges that he sustained injuries from the accident. A year after the accident, plaintiff brought a negligence claim against Pugh, alleging that, because of Pugh’s negligence, plaintiff sustained “severe permanent and progressive personal injuries and serious impairment of a body function, including but not necessarily limited to: Head, Neck, Back, Shoulders ….” Plaintiff also brought a claim against Citizens for PIP benefits, including medical expenses, work loss, and replacement services.

    Pugh and Citizens moved for summary disposition arguing that plaintiff could not meet his burden of showing that he sustained a threshold injury under the no-fault act and, therefore, he could not maintain his negligence claim against her. Pugh submitted the deposition testimony of the plaintiff and the report of an independent medical examination (IME) conducted by Dr. James Bragman on December 27, 2021. Dr. Bragman further observed that plaintiff had “near full range of motion” in his neck and that he was “eminently capable” of standing and touching his toes despite his refusal to do so. Dr. Bragman noted that plaintiff had “very little” medical treatment documented in his records and that he had been undergoing physical therapy for six months with no medical basis for doing so. An investigator’s report includes pictures of plaintiff walking, riding a child’s bicycle, squatting, bending over, lifting a bicycle out of a minivan unassisted, playing with a dog, driving a car, and twisting his neck.

    Citizens’ motion argued that plaintiff made material misrepresentations to Citizens regarding the extent of his injuries, which rendered him ineligible for benefits.

    The trial court found that, based upon the evidence presented, plaintiff failed to establish that he sustained a serious impairment of body function and therefore summary disposition in favor of Pugh was appropriate.

    THRESHOLD INJURY

    Plaintiff argued that the trial court erred by granting summary disposition in favor of Pugh.

    Under the no fault statute, the threshold question of whether the person has suffered a serious impairment of body function should be determined by the court as a matter of law as long as there is no factual dispute regarding the nature and extent of the person’s injuries that is material to determining whether the threshold standards are met.

    Plaintiff was obligated to respond to Pugh’s motion in order to meet his burden of demonstrating that a fact question existed as to whether he suffered a serious impairment of body function.

    The parts of plaintiff’s deposition identified by Pugh do not establish a genuine issue of material fact as to whether he suffered a serious impairment of body function. The relevant portions of plaintiff’s deposition testimony fail to rebut the evidence and instead set forth, at best, mere subjective complaints of pain.

    FRAUDULENT INSURANCE ACT

    The fraud statute finds that a person who presents or causes or to be presented an oral or written statement knowing that the statement contains false information concerning a fact or thing material to the claim commits a fraudulent insurance act under that is subject to the penalties imposed under the statute. A claim that contains or is supported by a fraudulent insurance act as described in this subsection is ineligible for payment of PIP benefits.

    An individual commits a “fraudulent insurance act” when: (1) the person presents or causes to be presented an oral or written statement, (2) the statement is part of or in support of a claim for no-fault benefits, and (3) the claim for benefits was submitted to the MAIPF. Further, (4) the person must have known that the statement contained false information, and (5) the statement concerned a fact or thing material to the claim.

    ZIFL OPINION

    The evidence presented by the defendants were damning since they established the injuries claimed were false. Plaintiff failed to respond to the motions to his detriment and sought reconsideration without any admissible evidence that he was truly injured. The defendants established that the Plaintiff committed fraud and he is lucky that this was a civil finding not a criminal proceeding that, in my opinion, should be presented by the prosecutor.

    More McClenny Moseley & Associates Issues

    This is ZIFL’s thirty seventh installment of the saga of McClenny, Moseley & Associates and its problems with the federal courts in the State of Louisiana and what appears to be an effort to profit from what some Magistrate and District judges may be criminal conduct to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana.

    Health Insurance Fraud Convictions
    Pharmacist and Brother Convicted of $15M Medicare, Medicaid, and Private Insurer Fraud Scheme

    Raad Kouza, a pharmacist in Wayne County, Michigan, and his brother, Ramis Kouza, of Oakland County, Michigan, billed Medicare, Medicaid, and Blue Cross Blue Shield of Michigan for prescription medications that they did not dispense at pharmacies they owned or operated in Michigan. A federal jury convicted the pharmacy owner and his brother November 8, 2024 for conspiracy to commit health care fraud and wire fraud.

    Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf

    Indicators of Bad Faith Set Up

    Some of the more common red flags of a bad faith set-up include the following:

    The claimant makes a policy limits settlement demand quickly after an accident, thereby depriving the insurer of the ability to conduct a full investigation.
    Quick demands that are combined with a limited amount of time to accept, again, in the hopes that records cannot be obtained and the investigation cannot be completed within that limited time period, and the settlement will be refused.
    The claimant makes a settlement offer with one or more unusual acceptance conditions.
    The involvement of the claimant’s counsel pre-dates certain medical or psychiatric care (e.g., testing and treatment for alleged mild traumatic brain injury)

    Read the full article and the full issue of ZIFL at http://https//zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024.pdf

    Convictions of Other Than Health Insurance Fraud
    Star in Reality TV Series Pleads Guilty Crop Insurance Fraud

    Steve A. McBee, 52, waived his right to a grand jury and pleaded guilty to a federal information that charges him with one count of federal crop insurance fraud. McBee, a Missouri farmer who appears in a reality TV show about his family’s farming operation pleaded guilty this week to a multi-million dollar fraud scheme involving federal crop insurance benefits.

    Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf

    Chutzpah – STOLI Fraudster Claims Hardship
    Felon Seeks Release from Home Confinement in Luxury Apartment in New York City

    Insurance Fraud is a serious crime, especially when it takes advantage of the elderly to defraud insurers in a Stranger Originated Life Insurance (STOLI) scheme. In United States Of America v. Michael Binday, No. 12 CR 152 (CM), United States District Court, S.D. New York (November 4, 2024) the defendant continued to use the wealth he gained from his fraud to impose on the courts of the United States with frivolous and unfounded motions.

    Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf

    Barry Zalma, Esq., CFE

    Barry Zalma, Inc., 4441 Sepulveda Boulevard, CULVER CITY CA 90230-4847, 310-390-4455. Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome.
    Zalma’s Insurance Fraud Letter September 15, 2024 Zalma’s Insurance Fraud Letter A ClaimSchool™ Publication © 2024 Barry Zalma & ClaimSchool, Inc. Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkycVolume 28, Issue 21 – November 15, 2024 “Honor, justice, and humanity, forbid us tamely to surrender that freedom which we received from our gallant ancestors, and which our innocent posterity have a right to receive from us. We cannot endure the infamy and guilt of resigning succeeding generations to that wretchedness which inevitably awaits them if we basely entail hereditary bondage on them.” Thomas Jefferson Insurance Fraud Requires Doctor to Lose his License Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation. The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage. FACTS Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey. Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo. THE OAL HEARING At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.” Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed. THE ALJ’S DECISION The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.” On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.” The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees. Quartararo Argued The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation and resorted to making threats resulting in the issuance of a temporary restraining order against him. Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid. ZIFL OPINION Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud. Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkyc IT PAYS INSURER DEFENDANTS TO INVESTIGATE INJURY CLAIMS In Chris Kallco v. Melissa Lynn Pugh, Chris Kallco, and Precise Mri Of Michigan, LLC v. Citizens Insurance Company Of The Midwest and Melissa Lynn Pugh, No. 368156, Court of Appeals of Michigan (October 30, 2024) affirmed the trial court’s decision. Plaintiff appealed from two orders granting summary disposition in favor of defendants even though he failed to respond to either motion. FACTUAL BACKGROUND This case arises out of a motor vehicle accident that occurred on March 9, 2020 involving plaintiff and Pugh. Plaintiff alleges that he sustained injuries from the accident. A year after the accident, plaintiff brought a negligence claim against Pugh, alleging that, because of Pugh’s negligence, plaintiff sustained “severe permanent and progressive personal injuries and serious impairment of a body function, including but not necessarily limited to: Head, Neck, Back, Shoulders ….” Plaintiff also brought a claim against Citizens for PIP benefits, including medical expenses, work loss, and replacement services. Pugh and Citizens moved for summary disposition arguing that plaintiff could not meet his burden of showing that he sustained a threshold injury under the no-fault act and, therefore, he could not maintain his negligence claim against her. Pugh submitted the deposition testimony of the plaintiff and the report of an independent medical examination (IME) conducted by Dr. James Bragman on December 27, 2021. Dr. Bragman further observed that plaintiff had “near full range of motion” in his neck and that he was “eminently capable” of standing and touching his toes despite his refusal to do so. Dr. Bragman noted that plaintiff had “very little” medical treatment documented in his records and that he had been undergoing physical therapy for six months with no medical basis for doing so. An investigator’s report includes pictures of plaintiff walking, riding a child’s bicycle, squatting, bending over, lifting a bicycle out of a minivan unassisted, playing with a dog, driving a car, and twisting his neck. Citizens’ motion argued that plaintiff made material misrepresentations to Citizens regarding the extent of his injuries, which rendered him ineligible for benefits. The trial court found that, based upon the evidence presented, plaintiff failed to establish that he sustained a serious impairment of body function and therefore summary disposition in favor of Pugh was appropriate. THRESHOLD INJURY Plaintiff argued that the trial court erred by granting summary disposition in favor of Pugh. Under the no fault statute, the threshold question of whether the person has suffered a serious impairment of body function should be determined by the court as a matter of law as long as there is no factual dispute regarding the nature and extent of the person’s injuries that is material to determining whether the threshold standards are met. Plaintiff was obligated to respond to Pugh’s motion in order to meet his burden of demonstrating that a fact question existed as to whether he suffered a serious impairment of body function. The parts of plaintiff’s deposition identified by Pugh do not establish a genuine issue of material fact as to whether he suffered a serious impairment of body function. The relevant portions of plaintiff’s deposition testimony fail to rebut the evidence and instead set forth, at best, mere subjective complaints of pain. FRAUDULENT INSURANCE ACT The fraud statute finds that a person who presents or causes or to be presented an oral or written statement knowing that the statement contains false information concerning a fact or thing material to the claim commits a fraudulent insurance act under that is subject to the penalties imposed under the statute. A claim that contains or is supported by a fraudulent insurance act as described in this subsection is ineligible for payment of PIP benefits. An individual commits a “fraudulent insurance act” when: (1) the person presents or causes to be presented an oral or written statement, (2) the statement is part of or in support of a claim for no-fault benefits, and (3) the claim for benefits was submitted to the MAIPF. Further, (4) the person must have known that the statement contained false information, and (5) the statement concerned a fact or thing material to the claim. ZIFL OPINION The evidence presented by the defendants were damning since they established the injuries claimed were false. Plaintiff failed to respond to the motions to his detriment and sought reconsideration without any admissible evidence that he was truly injured. The defendants established that the Plaintiff committed fraud and he is lucky that this was a civil finding not a criminal proceeding that, in my opinion, should be presented by the prosecutor. More McClenny Moseley & Associates Issues This is ZIFL’s thirty seventh installment of the saga of McClenny, Moseley & Associates and its problems with the federal courts in the State of Louisiana and what appears to be an effort to profit from what some Magistrate and District judges may be criminal conduct to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. Health Insurance Fraud Convictions Pharmacist and Brother Convicted of $15M Medicare, Medicaid, and Private Insurer Fraud Scheme Raad Kouza, a pharmacist in Wayne County, Michigan, and his brother, Ramis Kouza, of Oakland County, Michigan, billed Medicare, Medicaid, and Blue Cross Blue Shield of Michigan for prescription medications that they did not dispense at pharmacies they owned or operated in Michigan. A federal jury convicted the pharmacy owner and his brother November 8, 2024 for conspiracy to commit health care fraud and wire fraud. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Indicators of Bad Faith Set Up Some of the more common red flags of a bad faith set-up include the following: The claimant makes a policy limits settlement demand quickly after an accident, thereby depriving the insurer of the ability to conduct a full investigation. Quick demands that are combined with a limited amount of time to accept, again, in the hopes that records cannot be obtained and the investigation cannot be completed within that limited time period, and the settlement will be refused. The claimant makes a settlement offer with one or more unusual acceptance conditions. The involvement of the claimant’s counsel pre-dates certain medical or psychiatric care (e.g., testing and treatment for alleged mild traumatic brain injury) Read the full article and the full issue of ZIFL at http://https//zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024.pdf Convictions of Other Than Health Insurance Fraud Star in Reality TV Series Pleads Guilty Crop Insurance Fraud Steve A. McBee, 52, waived his right to a grand jury and pleaded guilty to a federal information that charges him with one count of federal crop insurance fraud. McBee, a Missouri farmer who appears in a reality TV show about his family’s farming operation pleaded guilty this week to a multi-million dollar fraud scheme involving federal crop insurance benefits. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Chutzpah – STOLI Fraudster Claims Hardship Felon Seeks Release from Home Confinement in Luxury Apartment in New York City Insurance Fraud is a serious crime, especially when it takes advantage of the elderly to defraud insurers in a Stranger Originated Life Insurance (STOLI) scheme. In United States Of America v. Michael Binday, No. 12 CR 152 (CM), United States District Court, S.D. New York (November 4, 2024) the defendant continued to use the wealth he gained from his fraud to impose on the courts of the United States with frivolous and unfounded motions. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Barry Zalma, Esq., CFE Barry Zalma, Inc., 4441 Sepulveda Boulevard, CULVER CITY CA 90230-4847, 310-390-4455. Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome.
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  • Insurance Fraud Requires Doctor to Lose his License

    Read the full article at https://www.linkedin.com/pulse/insurance-fraud-requires-doctor-lose-his-license-zalma-esq-cfe-l2qkc/?trackingId=8KA%2FEXdvoGfzd13NxusOMw%3D%3D

    Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License

    Post 4927

    Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation.

    The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage.

    FACTS

    Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey.

    Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo.

    THE OAL HEARING

    At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.”

    Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed.

    THE ALJ’S DECISION

    The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.”

    On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.”

    The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees.

    Quartararo Argued

    The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation, and resorted to making threats resulting in the issuance of a temporary restraining order against him.

    Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid.

    ZALMA OPINION

    Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud.

    (c) 2024 Barry Zalma & ClaimSchool, Inc.

    Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos.

    Subscribe to my substack at https://barryzalma.substack.com/subscribe

    Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg

    Go to X @bzalma; Go to the Insurance Claims Library – https://lnkd.in/gwEYk
    Insurance Fraud Requires Doctor to Lose his License Read the full article at https://www.linkedin.com/pulse/insurance-fraud-requires-doctor-lose-his-license-zalma-esq-cfe-l2qkc/?trackingId=8KA%2FEXdvoGfzd13NxusOMw%3D%3D Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License Post 4927 Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation. The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage. FACTS Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey. Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo. THE OAL HEARING At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.” Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed. THE ALJ’S DECISION The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.” On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.” The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees. Quartararo Argued The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation, and resorted to making threats resulting in the issuance of a temporary restraining order against him. Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid. ZALMA OPINION Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud. (c) 2024 Barry Zalma & ClaimSchool, Inc. Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos. Subscribe to my substack at https://barryzalma.substack.com/subscribe Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg Go to X @bzalma; Go to the Insurance Claims Library – https://lnkd.in/gwEYk
    WWW.LINKEDIN.COM
    Insurance Fraud Requires Doctor to Lose his License
    Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License Post 4927 Posted on November 6, 2024 by Barry Zalma See the full video at https://rumble.com/v5m5s0z-insurance-fraud-requires-doctor-to-lose-his-license.
    0 Kommentare 0 Anteile 2KB Ansichten
  • Allegations of murder, extortion, coercion by India spark diplomatic retaliations
    #NoMoreLiberalsAndNDP
    #SayingTheQuietPartOutLoud
    #resigntrudeau
    #JustSayNoMore
    https://toronto.citynews.ca/2024/10/14/allegations-of-murder-extortion-coercion-by-india-spark-diplomatic-retaliations
    Allegations of murder, extortion, coercion by India spark diplomatic retaliations 🇹🇩 #NoMoreLiberalsAndNDP 🇹🇩 🇹🇩 #SayingTheQuietPartOutLoud 🇹🇩 🇹🇩 #resigntrudeau 🇹🇩 🇹🇩 #JustSayNoMore 🇹🇩 https://toronto.citynews.ca/2024/10/14/allegations-of-murder-extortion-coercion-by-india-spark-diplomatic-retaliations
    TORONTO.CITYNEWS.CA
    Allegations of murder, extortion, coercion by India spark retaliations
    Accusations of widespread murder, extortion and coercion across Canada have been linked to agents of the government of India.
    Like
    1
    0 Kommentare 0 Anteile 462 Ansichten
  • Dr. Nagase calls it what it is - criminal coercion https://old.bitchute.com/video/keDBygobftmS/
    Dr. Nagase calls it what it is - criminal coercion https://old.bitchute.com/video/keDBygobftmS/
    OLD.BITCHUTE.COM
    Dr. Nagase calls it what it is - criminal coercion
    Coercing someone to take a harmful injection by threatening to withhold life-saving treatment is a crime, not just a violation of informed consent. Equivalent to extortion. Dr. Nagase calls it what it is—criminal coercion. Source https://x.com/i/…
    0 Kommentare 0 Anteile 390 Ansichten
  • CHUTKAN UNSEALS JACK SMITH’S 165-PAGE “IMMUNITY MOTION” IN JANUARY 6 CASE

    "Judge Tanya Chutkan has unsealed Special Counsel Jack Smith’s 165-page 'immunity motion' arguing that Trump is subjected to presidential immunity following the Supreme Court’s ruling. It appears Chutkan unsealed the 165-page document to do the maximum damage to Trump before the election."

    Two points that not only the judge but Trump's detractors constantly overlook:

    1) Trump's challenging of election results - no matter what the venue - is political free speech in its redress of government. This is protected by the First Amendment, which applies to all citizens. Even his lawsuits are protected because he is afforded the opportunity for those allegations/claims to be adjudicated. Mere words without physical coercion or illegal attempts at blackmail are just that word. Further, if simply stating that an election was stolen constitutes election interference, then there are a litany of Democrats - including Hillary Clinton who should be under indictment.

    2) Jack Smith does not have standing to bring this indictment because he was illegally seated in his role. The Senate must ratify special prosecutors. Smith did not go through that approval process and, therefore, has no standing to bring the indictment.

    This case must be dismissed constitutionally (as if that matters to Judge Chutkan).

    https://substack.com/profile/129788551-frank-salvato/note/c-71178803

    #Trump #JackSmith #Chutkan #Election2024 #Politics #DoJ #UndergroundUSA
    CHUTKAN UNSEALS JACK SMITH’S 165-PAGE “IMMUNITY MOTION” IN JANUARY 6 CASE "Judge Tanya Chutkan has unsealed Special Counsel Jack Smith’s 165-page 'immunity motion' arguing that Trump is subjected to presidential immunity following the Supreme Court’s ruling. It appears Chutkan unsealed the 165-page document to do the maximum damage to Trump before the election." Two points that not only the judge but Trump's detractors constantly overlook: 1) Trump's challenging of election results - no matter what the venue - is political free speech in its redress of government. This is protected by the First Amendment, which applies to all citizens. Even his lawsuits are protected because he is afforded the opportunity for those allegations/claims to be adjudicated. Mere words without physical coercion or illegal attempts at blackmail are just that word. Further, if simply stating that an election was stolen constitutes election interference, then there are a litany of Democrats - including Hillary Clinton who should be under indictment. 2) Jack Smith does not have standing to bring this indictment because he was illegally seated in his role. The Senate must ratify special prosecutors. Smith did not go through that approval process and, therefore, has no standing to bring the indictment. This case must be dismissed constitutionally (as if that matters to Judge Chutkan). https://substack.com/profile/129788551-frank-salvato/note/c-71178803 #Trump #JackSmith #Chutkan #Election2024 #Politics #DoJ #UndergroundUSA
    1 Kommentare 0 Anteile 2KB Ansichten
  • 1962 THEY FOUND OUT, THAT THEY CANNOT BREAK THROUGH THE FIRMAMENT AND THEY WILL NOT FIND OUT WHAT IS

    The #Antarctic Treaty was put in place in 1959....

    This is where 12 countries unlawfully prohibited exploration below the
    60th parallel South, and began using their militaries to threaten anyone travelling that direction!

    Leaving YOU a prisoner in the area above the 60th parallel South!
    YOU ARE IN A PRISON!

    And for what???
    Penguins? My a**!

    These people, meaning ALL supposed "#Governments" are #Luciferians
    and their mission in life is to hide the existence of your Creator!

    What makes these people believe they have the right to tell ALL OF HUMANITY where they can and cannot go on this earth???

    These scumbags have no more rights than anyone else does!
    But through intimidation, fear, and military #Violence and coercion...
    They have done just that!

    They did the same thing at the North Pole before
    doing it below the 60th South Parallel

    Because they seem to believe they OWN YOU and can control your movements on the earth given to YOU by the Creator! What a bunch of scumbags!

    And the same goes for ANYONE who joins their military goon squads

    https://old.bitchute.com/video/IlimJ4qsNdeR/
    1962 THEY FOUND OUT, THAT THEY CANNOT BREAK THROUGH THE FIRMAMENT AND THEY WILL NOT FIND OUT WHAT IS The #Antarctic Treaty was put in place in 1959.... This is where 12 countries unlawfully prohibited exploration below the 60th parallel South, and began using their militaries to threaten anyone travelling that direction! Leaving YOU a prisoner in the area above the 60th parallel South! YOU ARE IN A PRISON! And for what??? Penguins? My a**! These people, meaning ALL supposed "#Governments" are #Luciferians and their mission in life is to hide the existence of your Creator! What makes these people believe they have the right to tell ALL OF HUMANITY where they can and cannot go on this earth??? These scumbags have no more rights than anyone else does! But through intimidation, fear, and military #Violence and coercion... They have done just that! They did the same thing at the North Pole before doing it below the 60th South Parallel Because they seem to believe they OWN YOU and can control your movements on the earth given to YOU by the Creator! What a bunch of scumbags! And the same goes for ANYONE who joins their military goon squads https://old.bitchute.com/video/IlimJ4qsNdeR/
    OLD.BITCHUTE.COM
    1962 they found out, that they cannot break through the firmament and they will not find out what is
    1962 they found out, that they cannot break through the firmament and they will not find out what is up there. The officiö narrative is, that they tested nuclear warheads but now seriously - they will lauch so many warheads with increasingly more po…
    0 Kommentare 0 Anteile 2KB Ansichten
  • JEWS DANCING FOR THEIR PUPPET & HEAD JEW, TRUMP

    Trump may be their hero here on earth....
    But they serve #Satan (As does their heroes)

    There is NOTHING that gives these maggots control over YOU except YOU!

    EXIT the "Maritime Admiralty Law" #Slave System!
    WHY would anyone "consent" to being ruled over by people
    who want to KILL THEM?

    There is no legitimate "consent" and therefore the ENTIRETY of the "Maritime Admiralty Law" SCAM is illegitimate!

    It is based in "CONTRACT LAW"
    They CLAIM that you have "contracted with them"

    But people.....
    You CANNOT unknowingly enter into a contract!

    There are rules about what is needed for an enforceable contract!

    What is an enforceable contract?
    A legally recognized agreement between two or more parties, which satisfies specific legal requirements, is an “enforceable contract.”

    In order for a contract to be enforceable, it must contain key elements.

    These ensure the contract represents a genuine and binding commitment.

    When a contract is enforceable, it means that if one party fails to fulfill its obligations as outlined in it, the other party or parties have the legal right to seek remedies and enforce its terms through the legal system.

    Such remedies may include monetary damages to compensate for losses incurred due to the breach or a court order for specific performance, which compels the breaching party to carry out their obligations as specified in the agreement.

    What makes a contract enforceable?
    For a contract to be enforceable, it must meet several essential criteria, including:

    1. Offer and acceptance
    Both parties must make a specific, clear offer and receive a corresponding, straightforward acceptance.

    They must also understand and agree to the terms and value of contract.

    2. An intention to create legal relations
    The parties entering into the contract must have the intention of forming a legally binding agreement.

    Contracts made in a social or casual context may lack this.

    3. Consideration
    Consideration refers to something of value exchanged between the parties.

    Each party must provide this, whether it’s money, goods, services, or a promise to do something in the future.

    4. Legal capacity
    The parties involved must have the legal capacity to enter into the contract.

    This means they must be of sound mind, of legal age, and not under the influence of coercion or fraud.

    5. Legality of purpose
    The purpose of the contract must be legal too. Contracts that involve illegal activities or are against public policy are typically not enforceable.

    6. Compliance with formalities
    In some cases, contracts may also need to adhere to specific formalities, such as being in writing or being witnessed by a notary public, to be enforceable.

    7. Consent and genuine assent
    Both parties must enter into the contract willingly and with genuine assent. If one party is deceived, coerced, or pressured, the contract may be voidable.

    8. Properly executed
    The contract must be properly executed with all necessary signatures and approvals from the involved parties.

    9. Certainty and possibility of performance
    The terms and conditions, including the contract effective date, must be clear and specific.

    It must be possible for the parties to fulfill their obligations as outlined in the contract.

    10. A meeting of minds
    There must be a mutual understanding between the parties regarding the essential terms of the contract.

    Misunderstandings or a lack of clarity can render it unenforceable.



    https://old.bitchute.com/video/W8uDiW7LBwn0/
    JEWS DANCING FOR THEIR PUPPET & HEAD JEW, TRUMP âœĄïž Trump may be their hero here on earth.... But they serve #Satan (As does their heroes) There is NOTHING that gives these maggots control over YOU except YOU! EXIT the "Maritime Admiralty Law" #Slave System! WHY would anyone "consent" to being ruled over by people who want to KILL THEM? There is no legitimate "consent" and therefore the ENTIRETY of the "Maritime Admiralty Law" SCAM is illegitimate! It is based in "CONTRACT LAW" They CLAIM that you have "contracted with them" But people..... You CANNOT unknowingly enter into a contract! There are rules about what is needed for an enforceable contract! What is an enforceable contract? A legally recognized agreement between two or more parties, which satisfies specific legal requirements, is an “enforceable contract.” In order for a contract to be enforceable, it must contain key elements. These ensure the contract represents a genuine and binding commitment. When a contract is enforceable, it means that if one party fails to fulfill its obligations as outlined in it, the other party or parties have the legal right to seek remedies and enforce its terms through the legal system. Such remedies may include monetary damages to compensate for losses incurred due to the breach or a court order for specific performance, which compels the breaching party to carry out their obligations as specified in the agreement. What makes a contract enforceable? For a contract to be enforceable, it must meet several essential criteria, including: 1. Offer and acceptance Both parties must make a specific, clear offer and receive a corresponding, straightforward acceptance. They must also understand and agree to the terms and value of contract. 2. An intention to create legal relations The parties entering into the contract must have the intention of forming a legally binding agreement. Contracts made in a social or casual context may lack this. 3. Consideration Consideration refers to something of value exchanged between the parties. Each party must provide this, whether it’s money, goods, services, or a promise to do something in the future. 4. Legal capacity The parties involved must have the legal capacity to enter into the contract. This means they must be of sound mind, of legal age, and not under the influence of coercion or fraud. 5. Legality of purpose The purpose of the contract must be legal too. Contracts that involve illegal activities or are against public policy are typically not enforceable. 6. Compliance with formalities In some cases, contracts may also need to adhere to specific formalities, such as being in writing or being witnessed by a notary public, to be enforceable. 7. Consent and genuine assent Both parties must enter into the contract willingly and with genuine assent. If one party is deceived, coerced, or pressured, the contract may be voidable. 8. Properly executed The contract must be properly executed with all necessary signatures and approvals from the involved parties. 9. Certainty and possibility of performance The terms and conditions, including the contract effective date, must be clear and specific. It must be possible for the parties to fulfill their obligations as outlined in the contract. 10. A meeting of minds There must be a mutual understanding between the parties regarding the essential terms of the contract. Misunderstandings or a lack of clarity can render it unenforceable. https://old.bitchute.com/video/W8uDiW7LBwn0/
    OLD.BITCHUTE.COM
    JEWS DANCING FOR THEIR PUPPET & HEAD JEW, TRUMP âœĄïž
    AND PEOPLE SAY JEWS HATE TRUMP, HECK HE IS A JEW, CONVERTED IN 2017. SOROS LOVE'S HIM, KLAUS SCHWAB LOVE'S HIM TOO & IVANKA IS A WEF YOUNG GLOBAL LEADER. TRUMP WILL NEVER TURN ON ISRAEL OR JEWS. HE SHOULD GO BE THEIR PRESIDENT. BUT THE LAST DAYS HAV…
    0 Kommentare 0 Anteile 2KB Ansichten
  • Vaccine-Injured Pharmacist Breaks Down Into Tears Testifying Before Ohio State Senate This is absolutely heartbreaking. “I was a father, a husband, a pharmacist, and a healthy person prior

    FIRST of all.....
    Nobody can "force you" to do anything!

    YOU always have a choice!
    Now that "choice" may lead to you losing a job...
    It may even lead to you living to see a ripe old age!

    You CANNOT allow a system of UNLAWFUL "Maritime Admiralty Law" instituted and controlled by #Luciferian scumbag #BANKERS to rule your life!

    YOU must make the CHOICE to step out of the #Jurisdiction of this complete and total #Fraud of a system, which is based in coercion, lies, and deception!

    And step back into COMMON LAW
    where ALL MEN & WOMEN belong!

    These BANKER scumbags, with the help of their "#Corporation of the United States" friends have committed FRAUD against every American!

    The FRAUD started with your BERTH CERTIFICATE
    (I spelled it correctly)

    Your "birth certificate" is actually a BERTH CERTIFICATE because it "docked" a legal fiction (Your all caps name) to the JURISDICTION of maritime admiralty law!

    It turned that legal fiction into
    PROPERTY OF THE CORPORATION OF THE UNITED STATES

    Then the #Criminals spent the next 18 years of your life convincing YOU (A MAN or a WOMAN) to "represent" the legal fiction, and to believe that the "legal fiction," created and owned by a CORPORATION, is YOU!

    It's NOT you!
    It's a FRAUD based crime committed by EVIL men

    YOU need to learn how to step out of the JURISDICTION of their fraudulent "Maritime Admiralty Law" #Slave System, and back into COMMON LAW where all of mankind belong!

    THEN, we can try these criminals for their crimes,
    and EXECUTE them when found guilty! This would include ALL who participate in this FRAUD based system... The Politicians, Judges, Lawyers, Prosecutors, and #Police

    The very SAME "Policy Enforcing" police who tried to force YOU to comply with the unlawful, unconstitutional "Stay at Home" orders AND business closures!

    These were ALL crimes against humanity!
    And ANYONE who helped to implement or enforce them is a criminal


    https://ugetube.com/watch/vaccine-injured-pharmacist-breaks-down-into-tears-testifying-before-ohio-state-senate-this-is-absolu_8XRZ4fjVqSzV7vJ.html
    Vaccine-Injured Pharmacist Breaks Down Into Tears Testifying Before Ohio State Senate This is absolutely heartbreaking. “I was a father, a husband, a pharmacist, and a healthy person prior FIRST of all..... Nobody can "force you" to do anything! YOU always have a choice! Now that "choice" may lead to you losing a job... It may even lead to you living to see a ripe old age! You CANNOT allow a system of UNLAWFUL "Maritime Admiralty Law" instituted and controlled by #Luciferian scumbag #BANKERS to rule your life! YOU must make the CHOICE to step out of the #Jurisdiction of this complete and total #Fraud of a system, which is based in coercion, lies, and deception! And step back into COMMON LAW where ALL MEN & WOMEN belong! These BANKER scumbags, with the help of their "#Corporation of the United States" friends have committed FRAUD against every American! The FRAUD started with your BERTH CERTIFICATE (I spelled it correctly) Your "birth certificate" is actually a BERTH CERTIFICATE because it "docked" a legal fiction (Your all caps name) to the JURISDICTION of maritime admiralty law! It turned that legal fiction into PROPERTY OF THE CORPORATION OF THE UNITED STATES Then the #Criminals spent the next 18 years of your life convincing YOU (A MAN or a WOMAN) to "represent" the legal fiction, and to believe that the "legal fiction," created and owned by a CORPORATION, is YOU! It's NOT you! It's a FRAUD based crime committed by EVIL men YOU need to learn how to step out of the JURISDICTION of their fraudulent "Maritime Admiralty Law" #Slave System, and back into COMMON LAW where all of mankind belong! THEN, we can try these criminals for their crimes, and EXECUTE them when found guilty! This would include ALL who participate in this FRAUD based system... The Politicians, Judges, Lawyers, Prosecutors, and #Police The very SAME "Policy Enforcing" police who tried to force YOU to comply with the unlawful, unconstitutional "Stay at Home" orders AND business closures! These were ALL crimes against humanity! And ANYONE who helped to implement or enforce them is a criminal https://ugetube.com/watch/vaccine-injured-pharmacist-breaks-down-into-tears-testifying-before-ohio-state-senate-this-is-absolu_8XRZ4fjVqSzV7vJ.html
    UGETUBE.COM
    Vaccine-Injured Pharmacist Breaks Down Into Tears Testifying Before Ohio State Senate This is absolutely heartbreaking. “I was a father, a husband, a pharmacist, and a healthy person prior
    Vaccine-Injured Pharmacist Breaks Down Into Tears Testifying Before Ohio State Senate This is absolutely heartbreaking. “I was a father, a husband, a pharmacist, and a healthy person prior to being coerced into receivi
    Like
    1
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  • Conservatives STOMP On Thin Blue Line Flag As Police Violate Constitution, Cops LOSING All Support

    While this is from 2021 AND it's Tim Pool...

    It's nice to see that at least a few of the people STILL caught up in the political theater of the left / right paradigm lie are coming around to the FACT that #Police are nothing more than a foreign military on US Soil in violation of the Constitution!

    I mean they literally work for a for-profit #Corporation that is located offshore...

    You cannot get much more "foreign" than that! And this particular
    CORPORATION is responsible for the killing of a LOT of Americans..

    Americans who have NOT HARMED ANYONE, financially or physically
    WHY would you arrest an American, the BOSS of the Police, for a non-crime?

    Statutes and Codes are NOT #Law!

    And the entire "Justice System" is set up under a giant #Fraud, claiming that
    YOU "consent" to being a #Slave under Maritime Admiralty Law. Which is what our "Courts" operate under! They are treating MEN & WOMEN as if they were maritime admiralty law PRODUCTS!

    It may sound crazy, but it's a 110% TRUE and CORRECT!
    MEN & WOMEN should ALWAYS be in the #Jurisdiction of Common Law!

    But through coercion, Fraud, and deceit, and their "Implied Consent Doctrine" they claim that you "consent" to being their PROPERTY and their Slave!

    Your "Berth Certificate" turned you into a maritime admiralty law PRODUCT owned by the State. And when your parents signed it, they unknowingly GAVE YOU over to the State as their "Property"

    So the "State" created this "Legal Fiction" which is your all caps name, they PATENTED it as a hieroglyph that THEY OWN.... And then they brainwashed YOU into representing it! It's all a part of the massive fraud

    It's really fruitless to even TRY fighting them in their own corrupt courts!
    But we must, unless we close every court down and start over as COMMON LAW courts, like they should have been all along!

    These people are #Criminals
    And everything they do is designed to keep YOU broke and a SLAVE!

    They control how much your worthless paper "notes of debt" are worth, therefore they control YOU! They decide if you can eat or not, afford a house or not

    And the entire time they are claiming to "serve you."
    As they bend you over, send you to prison based on a fraudulent Maritime Admiralty Law system, as they steal HALF of everything you earn... And then steal the other half as you try to spend what's left! They even tax your phones, garbage, water, sewer....

    That's right.... they have you paying to sh*t!

    And just in case you have two dimes left to rub together, they are going to send the
    roadside #Pirates, on the high seas of maritime admiralty law (On American LAND)
    to relieve you of just a little bit more, perhaps even confiscate your stuff! Oh boy!

    They'll just use "Civil asset forfeiture," and confiscate your Home, Boat, Car, Truck, or all of the above, by simply ACCUSING YOU of a "Crime." They don't even need to PROVE IT! They just take your stuff and YOU have to "prove that you are innocent" of their made up, BS "crime" that likely don't even exist!

    So how then, can you "prove" you didn't do something THAT WAS NEVER DONE???

    They are nothing more than PIRATES, literally descendants of the Phoenicians, who have created this maritime admiralty law hocus pocus trick to scam everyone into being a SLAVE! The whole while their #Wizards on TELL-A-VISION are telling you that they are "Serving YOU" and that they "work for YOU."

    I don't know about you, but last time MY EMPLOYEE falsely accused me of something, beat me up and tossed me into a cage, after tasering or shooting me
    (Or both) I knocked his teeth out AND fired him!

    But "Our Employees" boss us around as if we were children!
    They beat us, taze us, shoot us, and imprison us anytime they feel like it!

    And it don't matter if you did it or not... there's a statute somewhere that your
    #Strawman has broken! And because you THINK that he's YOU, and you keep on representing him, they WILL get you! Lock you up, fine you, ruin your life!

    All based on a fraud thought up by psychopaths!

    A fraud where they have taken MEN & WOMEN belonging in the JURISDICTION of common law, and brainwashing them into believing that strawman is them!

    That way, when they unknowingly enter into their "Maritime Admiralty Law" courts, they will blindly "represent" that strawman, that exists only on paper! But YOU are representing him so YOU will do his prison time and pay his fines and bills!

    It's the Satanic world system of dominance and control
    YOU must actually "consent" to all of these things for it to be lawful!

    Them writing down a bunch of BS on paper claiming that "Implied Consent" in-debts you to their contract based FRAUDULENT SYSTEM is horsespit!

    It's time that you learn about your strawman, and it's time you learn that
    YOUR ACTUAL CONSENT IS REQUIRED for any of this to be lawful!

    NOBODY would "consent" to their system if they knew what it was based on!

    And it is time that the black robed priest (Wizards) of the #BAR Association go and screw themselves! Nobody has authorized them to decide the fate of mankind!

    OR to attempt to circumvent NATURAL LAW and COMMON LAW using a fairy tale story about maritime admiralty law! It's NOT okay! These black robed wizards have been fooling the masses for a long time!

    They are just another part of the Corporation! Along with the Vatican, the Jews, the Jesuits, the Knights of Malta, the Illuminati, Every Freemason controlled "College" or School, the medical industrial complex, the play actors in Congress, the "BAR," and all of the scumbags from the World Economic Forum & the military industrial complex, and every "Secret Society" and "Church of Satan" on Earth!

    They are ALL in on it!
    And you cannot fight an enemy when you don't know who he is!
    ALL of the people listed above ARE YOUR ENEMIES!

    And they are trying real hard to enslave you GOOD!
    So you best WAKE UP and smell the coffee!

    And take back control over your own life!
    While kicking every tyrant scumbag to the curb!
    And the Courts and Corporations too!

    The entirety of the "system" they have built must be dismantled!
    We don't NEED "government" to "Protect and Serve" us into the poorhouse

    We can hire PRIVATE firms to keep us safe, Like in the old days, we hire a mayor and a sheriff.... if either gets crossways with the people, we just FIRE THEM ON THE SPOT!

    No "Investigation" that last 10 years or any of that BS, GOODBYE, you are FIRED!
    And when they harm an American, they better be able to PROVE that American was bent on harming them or we hang them! Matter closed

    We don't NEED 12,000 pages of federal laws, and 42,000 pages of state laws!
    ALL that we need is "Do unto others as you'd have them do unto YOU"

    And everything will be fine!

    https://ugetube.com/watch/conservatives-stomp-on-thin-blue-line-flag-as-police-violate-constitution-cops-losing-all-support_XoTqCeynO2cxWsG.html
    Conservatives STOMP On Thin Blue Line Flag As Police Violate Constitution, Cops LOSING All Support While this is from 2021 AND it's Tim Pool... It's nice to see that at least a few of the people STILL caught up in the political theater of the left / right paradigm lie are coming around to the FACT that #Police are nothing more than a foreign military on US Soil in violation of the Constitution! I mean they literally work for a for-profit #Corporation that is located offshore... You cannot get much more "foreign" than that! And this particular CORPORATION is responsible for the killing of a LOT of Americans.. Americans who have NOT HARMED ANYONE, financially or physically WHY would you arrest an American, the BOSS of the Police, for a non-crime? Statutes and Codes are NOT #Law! And the entire "Justice System" is set up under a giant #Fraud, claiming that YOU "consent" to being a #Slave under Maritime Admiralty Law. Which is what our "Courts" operate under! They are treating MEN & WOMEN as if they were maritime admiralty law PRODUCTS! It may sound crazy, but it's a 110% TRUE and CORRECT! MEN & WOMEN should ALWAYS be in the #Jurisdiction of Common Law! But through coercion, Fraud, and deceit, and their "Implied Consent Doctrine" they claim that you "consent" to being their PROPERTY and their Slave! Your "Berth Certificate" turned you into a maritime admiralty law PRODUCT owned by the State. And when your parents signed it, they unknowingly GAVE YOU over to the State as their "Property" So the "State" created this "Legal Fiction" which is your all caps name, they PATENTED it as a hieroglyph that THEY OWN.... And then they brainwashed YOU into representing it! It's all a part of the massive fraud It's really fruitless to even TRY fighting them in their own corrupt courts! But we must, unless we close every court down and start over as COMMON LAW courts, like they should have been all along! These people are #Criminals And everything they do is designed to keep YOU broke and a SLAVE! They control how much your worthless paper "notes of debt" are worth, therefore they control YOU! They decide if you can eat or not, afford a house or not And the entire time they are claiming to "serve you." As they bend you over, send you to prison based on a fraudulent Maritime Admiralty Law system, as they steal HALF of everything you earn... And then steal the other half as you try to spend what's left! They even tax your phones, garbage, water, sewer.... That's right.... they have you paying to sh*t! And just in case you have two dimes left to rub together, they are going to send the roadside #Pirates, on the high seas of maritime admiralty law (On American LAND) to relieve you of just a little bit more, perhaps even confiscate your stuff! Oh boy! They'll just use "Civil asset forfeiture," and confiscate your Home, Boat, Car, Truck, or all of the above, by simply ACCUSING YOU of a "Crime." They don't even need to PROVE IT! They just take your stuff and YOU have to "prove that you are innocent" of their made up, BS "crime" that likely don't even exist! So how then, can you "prove" you didn't do something THAT WAS NEVER DONE??? They are nothing more than PIRATES, literally descendants of the Phoenicians, who have created this maritime admiralty law hocus pocus trick to scam everyone into being a SLAVE! The whole while their #Wizards on TELL-A-VISION are telling you that they are "Serving YOU" and that they "work for YOU." I don't know about you, but last time MY EMPLOYEE falsely accused me of something, beat me up and tossed me into a cage, after tasering or shooting me (Or both) I knocked his teeth out AND fired him! But "Our Employees" boss us around as if we were children! They beat us, taze us, shoot us, and imprison us anytime they feel like it! And it don't matter if you did it or not... there's a statute somewhere that your #Strawman has broken! And because you THINK that he's YOU, and you keep on representing him, they WILL get you! Lock you up, fine you, ruin your life! All based on a fraud thought up by psychopaths! A fraud where they have taken MEN & WOMEN belonging in the JURISDICTION of common law, and brainwashing them into believing that strawman is them! That way, when they unknowingly enter into their "Maritime Admiralty Law" courts, they will blindly "represent" that strawman, that exists only on paper! But YOU are representing him so YOU will do his prison time and pay his fines and bills! It's the Satanic world system of dominance and control YOU must actually "consent" to all of these things for it to be lawful! Them writing down a bunch of BS on paper claiming that "Implied Consent" in-debts you to their contract based FRAUDULENT SYSTEM is horsespit! It's time that you learn about your strawman, and it's time you learn that YOUR ACTUAL CONSENT IS REQUIRED for any of this to be lawful! NOBODY would "consent" to their system if they knew what it was based on! And it is time that the black robed priest (Wizards) of the #BAR Association go and screw themselves! Nobody has authorized them to decide the fate of mankind! OR to attempt to circumvent NATURAL LAW and COMMON LAW using a fairy tale story about maritime admiralty law! It's NOT okay! These black robed wizards have been fooling the masses for a long time! They are just another part of the Corporation! Along with the Vatican, the Jews, the Jesuits, the Knights of Malta, the Illuminati, Every Freemason controlled "College" or School, the medical industrial complex, the play actors in Congress, the "BAR," and all of the scumbags from the World Economic Forum & the military industrial complex, and every "Secret Society" and "Church of Satan" on Earth! They are ALL in on it! And you cannot fight an enemy when you don't know who he is! ALL of the people listed above ARE YOUR ENEMIES! And they are trying real hard to enslave you GOOD! So you best WAKE UP and smell the coffee! And take back control over your own life! While kicking every tyrant scumbag to the curb! And the Courts and Corporations too! The entirety of the "system" they have built must be dismantled! We don't NEED "government" to "Protect and Serve" us into the poorhouse We can hire PRIVATE firms to keep us safe, Like in the old days, we hire a mayor and a sheriff.... if either gets crossways with the people, we just FIRE THEM ON THE SPOT! No "Investigation" that last 10 years or any of that BS, GOODBYE, you are FIRED! And when they harm an American, they better be able to PROVE that American was bent on harming them or we hang them! Matter closed We don't NEED 12,000 pages of federal laws, and 42,000 pages of state laws! ALL that we need is "Do unto others as you'd have them do unto YOU" And everything will be fine! https://ugetube.com/watch/conservatives-stomp-on-thin-blue-line-flag-as-police-violate-constitution-cops-losing-all-support_XoTqCeynO2cxWsG.html
    UGETUBE.COM
    Conservatives STOMP On Thin Blue Line Flag As Police Violate Constitution, Cops LOSING All Support
    Conservatives STOMP On Thin Blue Line Flag As Police Violate Constitution, Cops LOSING All Support. Trump supporters and conservatives were fed up with police officers who attacked them as they rallied. Democrats and fa
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