• CORRUPT JUDGES & WEAPONIZED LEGAL SYSTEM MUST END NOW! Special Guest: Michael Pendleton, Esq.

    Despite the FACT that our entire "government" is an illegitimate #Corporation, operating #Fraudulently under "Maritime Admiralty Law," it's hard to get most people to realize this FACT! If you choose to continue under this corrupt system then you must know....

    The "Grand Jury" belongs to the
    AMERICAN PEOPLE - NOT "government"

    The AMERICAN PEOPLE have every right to enforce the law, even against government #Criminals!

    LET ME SAY THAT AGAIN.....
    THE GRAND JURY BELONGS TO THE AMERICAN PEOPLE!!!
    As does our corporate "Law Enforcement" (Technically)

    If a grand jury of the AMERICAN PEOPLE hand down a conviction of some government #Criminal, it is the DUTY of every law enforcement agent in the United States to see that the convicted party is both ARRESTED and then put in PRISON!

    And ANY LEO who fails to do his sworn duty
    (TO THE PEOPLE, NOT the Corporation) he needs to be FIRED first of all.... And then PROSECUTED and sent to prison himself!

    Because what we currently have is a standing "Foreign ARMY" on US Soil", and just because they claim themselves to be "Police" and "Sheriffs" it does NOT change this FACT!

    They are currently serving at the pleasure of CRIMINALS, and not the American People, as their oath REQUIRES them to do

    The real issue in this country is #Corrupt #LawEnforcement who do not do not uphold their #Oath of office AND view the American People as their ENEMY, instead of AS THEIR BOSSES, The way it truly is!

    Of course some prison time can be handed to THEM as well!
    And this would be cured real friggin quick!

    And as far as "Lifetime appointments" of #Judges goes...
    THEY SERVE AT THE PLEASURE OF THE PEOPLE AS WELL!

    The American PEOPLE are the bosses here folks! NO LAW or any "tradition" or "Constitution" or "Legal System" can change that FACT!

    If THE PEOPLE want these MF's removed, then THEY ARE GONE!
    THE PEOPLE are the deciding vote in ANY SITUATION!

    And it is high time that we reclaim our position as the
    FINAL DECISION MAKERS! (In ANY decision)

    THE PEOPLE have "Veto Power" over ANY "government" law or decision! After all, these people (supposedly) work for US!

    Just like government secrecy, and their constant, criminal, claim of "National Security" where they refuse to show THE PEOPLE (Their BOSSES) what they are doing!

    It does NOT work that way folks! EMPLOYEES are not allowed to keep secrets about their activities from THE PEOPLE who employee them!

    I mean they can TRY..... But the corrective action for this is to FIRE THEM IMMEDIATELY every time they try it! Living under TYRANT SCUM who operates in secrecy, and IN YOUR NAME is unacceptable!!!

    The problem is really YOU!
    Your lack of holding these scumbags accountable has led us here!
    And it's time to take corrective action on that front RIGHT NOW!

    Your supposed "government" employees JUST TRIED TO MURDER YOU!

    I would have to say that it's time to re-evaluate their employment, as well as their ability to continue sucking wind!

    Every last one responsible for this attempt, at the very least, should die in prison!

    The "government" has grown this corrupt and #Evil because YOU allowed them to!

    It's 110% OUR FAULT!
    Now is the time to ADMIT OUR FAILURE, and take immediate corrective actions

    "Begging our own EMPLOYEES to uphold the law and to be accountable" to the PEOPLE who EMPLOYEE THEM is unacceptable! YOU are the BOSS!

    It is time that "government" is let in on that little secret!

    https://youtu.be/-NKBWfyX3Qk
    CORRUPT JUDGES & WEAPONIZED LEGAL SYSTEM MUST END NOW! Special Guest: Michael Pendleton, Esq. Despite the FACT that our entire "government" is an illegitimate #Corporation, operating #Fraudulently under "Maritime Admiralty Law," it's hard to get most people to realize this FACT! If you choose to continue under this corrupt system then you must know.... The "Grand Jury" belongs to the AMERICAN PEOPLE - NOT "government" The AMERICAN PEOPLE have every right to enforce the law, even against government #Criminals! LET ME SAY THAT AGAIN..... THE GRAND JURY BELONGS TO THE AMERICAN PEOPLE!!! As does our corporate "Law Enforcement" (Technically) If a grand jury of the AMERICAN PEOPLE hand down a conviction of some government #Criminal, it is the DUTY of every law enforcement agent in the United States to see that the convicted party is both ARRESTED and then put in PRISON! And ANY LEO who fails to do his sworn duty (TO THE PEOPLE, NOT the Corporation) he needs to be FIRED first of all.... And then PROSECUTED and sent to prison himself! Because what we currently have is a standing "Foreign ARMY" on US Soil", and just because they claim themselves to be "Police" and "Sheriffs" it does NOT change this FACT! They are currently serving at the pleasure of CRIMINALS, and not the American People, as their oath REQUIRES them to do The real issue in this country is #Corrupt #LawEnforcement who do not do not uphold their #Oath of office AND view the American People as their ENEMY, instead of AS THEIR BOSSES, The way it truly is! Of course some prison time can be handed to THEM as well! And this would be cured real friggin quick! And as far as "Lifetime appointments" of #Judges goes... THEY SERVE AT THE PLEASURE OF THE PEOPLE AS WELL! The American PEOPLE are the bosses here folks! NO LAW or any "tradition" or "Constitution" or "Legal System" can change that FACT! If THE PEOPLE want these MF's removed, then THEY ARE GONE! THE PEOPLE are the deciding vote in ANY SITUATION! And it is high time that we reclaim our position as the FINAL DECISION MAKERS! (In ANY decision) THE PEOPLE have "Veto Power" over ANY "government" law or decision! After all, these people (supposedly) work for US! Just like government secrecy, and their constant, criminal, claim of "National Security" where they refuse to show THE PEOPLE (Their BOSSES) what they are doing! It does NOT work that way folks! EMPLOYEES are not allowed to keep secrets about their activities from THE PEOPLE who employee them! I mean they can TRY..... But the corrective action for this is to FIRE THEM IMMEDIATELY every time they try it! Living under TYRANT SCUM who operates in secrecy, and IN YOUR NAME is unacceptable!!! The problem is really YOU! Your lack of holding these scumbags accountable has led us here! And it's time to take corrective action on that front RIGHT NOW! Your supposed "government" employees JUST TRIED TO MURDER YOU! I would have to say that it's time to re-evaluate their employment, as well as their ability to continue sucking wind! Every last one responsible for this attempt, at the very least, should die in prison! The "government" has grown this corrupt and #Evil because YOU allowed them to! It's 110% OUR FAULT! Now is the time to ADMIT OUR FAILURE, and take immediate corrective actions "Begging our own EMPLOYEES to uphold the law and to be accountable" to the PEOPLE who EMPLOYEE THEM is unacceptable! YOU are the BOSS! It is time that "government" is let in on that little secret! https://youtu.be/-NKBWfyX3Qk
    1 Comments 0 Shares 229 Views
  • BREAKING EXCLUSIVE: Alex Jones Responds To The CT Appellate Court Upholding $1.35 Billion Of The Fraudulent Judgement Against Him In The Infamous CT Sandy Hook Show Trial https://www.infowars.com/posts/breaking-exclusive-alex-jones-responds-to-the-ct-appellate-court-upholding-1-35-billion-of-the-fraudulent-judgement-against-him-in-the-infamous-ct-sandy-hook-show-trial
    BREAKING EXCLUSIVE: Alex Jones Responds To The CT Appellate Court Upholding $1.35 Billion Of The Fraudulent Judgement Against Him In The Infamous CT Sandy Hook Show Trial https://www.infowars.com/posts/breaking-exclusive-alex-jones-responds-to-the-ct-appellate-court-upholding-1-35-billion-of-the-fraudulent-judgement-against-him-in-the-infamous-ct-sandy-hook-show-trial
    0 Comments 0 Shares 107 Views
  • Ep. 3517b - Biden Preparing To Preemptively Pardon The [DS], One Problem, Fraud Vitiates Everything
    https://www.bitchute.com/video/qr9aGDAOQ7FD/?list=notifications&randomize=false
    The [DS] has been formulating plans to stop Trump before he is inaugurated and after. They have put up many barriers up and they are trying to protect themselves. Biden is looking to preemptively pardon the [DS] people. One problem with all of this, fraud vitiates everything. Plus the states can bring charges.
    Ep. 3517b - Biden Preparing To Preemptively Pardon The [DS], One Problem, Fraud Vitiates Everything https://www.bitchute.com/video/qr9aGDAOQ7FD/?list=notifications&randomize=false The [DS] has been formulating plans to stop Trump before he is inaugurated and after. They have put up many barriers up and they are trying to protect themselves. Biden is looking to preemptively pardon the [DS] people. One problem with all of this, fraud vitiates everything. Plus the states can bring charges.
    WWW.BITCHUTE.COM
    Ep. 3517b - Biden Preparing To Preemptively Pardon The [DS], One Problem, Fraud Vitiates Everything
    Equip Your Car With Your Own Road Guardian http://carvisionx.com CLICK NOW FOR FREE SHIPPING ^ The [DS] has been formulating plans to stop Trump before he is inaugurated and after. They have put up many barriers up and they are trying to protect themselves. Biden is looking to preemptively pardon the [DS] people. One problem with all of this, fraud vitiates everything. Plus the states can bring charges. Protect Your Retirement W/ A Gold. IRA http://x22gold.com or call 877-646-5347 Noble Gold is Who I Trust ^^^ Disclaimer: (there's always a risk of investment and there's no guarantee of any kind) All source links to the report can be found on the x22report.com site. Most of artwork that are included with these videos have been created by X22 Report and they are used as a representation of the subject matter. The representative artwork included with these videos shall not be construed as the actual events that are taking place. Intro Video Music: YouTube Free Music: Cataclysmic Molten Core by Jingle Punks Intro Music: YouTube Free Music: Warrior Strife by Jingle Punks Fair Use Notice: This video contains some copyrighted material whose use has not been authorized by the copyright owners. We believe that this not-for-profit, educational, and/or criticism or commentary use on the Web constitutes a fair use of the copyrighted material (as provided for in section 107 of the US Copyright Law. If you wish to use this copyrighted material for purposes that go beyond fair use, you must obtain permission from the copyright owner. Fair Use notwithstanding we will immediately comply with any copyright owner who wants their material removed or modified, wants us to link to their web site, or wants us to add their photo. The X22 Report is "one man's opinion". Anything that is said on the report is either opinion, criticism, information or commentary, If making any type of investment or legal decision it would be wise to contact or consult a professional before making that decision. Use the information found in these videos as a starting point for conducting your own research and conduct your own due diligence before making any significant investing decisions.
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  • WTF!! KILLER DEPUTY TO BE RELEASED!

    Want to know MY QUESTION???
    Who here is actually "surprised" by this?

    Rules for THEE, but not for ME!
    The two-tiered Maritime Admiralty Law fraud based system (UN Military Martial Law)
    ( check out #Juxtaposition and he'll tell you all about it )

    https://old.bitchute.com/video/_uG_bDU2IB0/
    WTF!! KILLER DEPUTY TO BE RELEASED! Want to know MY QUESTION??? Who here is actually "surprised" by this? Rules for THEE, but not for ME! The two-tiered Maritime Admiralty Law fraud based system (UN Military Martial Law) ( check out #Juxtaposition and he'll tell you all about it ) https://old.bitchute.com/video/_uG_bDU2IB0/
    0 Comments 0 Shares 106 Views
  • THIS SAME "TREATMENT WORKS ON MOST CRIMINAL BEHAVIORS!!!... (i.e. "ELECTION FRAUD/THEFT",... "CRONY CAPITALISM", .. "INSIDER TRADING",..."TREACHERY/(TRAITORS)/PERJURY,..."DRUG /CHILD TRAFFICKING",... "CORRUPTION",..."BRIBERY",.. "TYRANNY",... "INTIMIDATION",... "TAX FRAUD";..."BANK FRAUD",... "ORGANIZED CRIME",... "SQUATTING",..."LOOTING, & RIOTING" (PANTIFA/BLM)....."CONSPIRACY, to commit "MASS-MURDER".... "MEDICAL TYRANNY/FRAUD/INTIMIDATION",... "ASSISTING & HIRING ILLEGAL ALIENS"... )
    https://m3.gab.com/media_attachments/a1/90/fb/a190fb14cedfbfd6f033b8b783f0687a.png?width=568
    THIS SAME "TREATMENT WORKS ON MOST CRIMINAL BEHAVIORS!!!... (i.e. "ELECTION FRAUD/THEFT",... "CRONY CAPITALISM", .. "INSIDER TRADING",..."TREACHERY/(TRAITORS)/PERJURY,..."DRUG /CHILD TRAFFICKING",... "CORRUPTION",..."BRIBERY",.. "TYRANNY",... "INTIMIDATION",... "TAX FRAUD";..."BANK FRAUD",... "ORGANIZED CRIME",... "SQUATTING",..."LOOTING, & RIOTING" (PANTIFA/BLM)....."CONSPIRACY, to commit "MASS-MURDER".... "MEDICAL TYRANNY/FRAUD/INTIMIDATION",... "ASSISTING & HIRING ILLEGAL ALIENS"... ) https://m3.gab.com/media_attachments/a1/90/fb/a190fb14cedfbfd6f033b8b783f0687a.png?width=568
    Like
    Angry
    3
    0 Comments 3 Shares 293 Views
  • US Trustee Committed Bankruptcy Fraud in Infowars Auction ‘Cut and Dried,’ Constitutional Attorney Argues https://www.infowars.com/posts/us-trustee-committed-bankruptcy-fraud-in-infowars-auction-cut-and-dried-constitutional-attorney-argues
    US Trustee Committed Bankruptcy Fraud in Infowars Auction ‘Cut and Dried,’ Constitutional Attorney Argues https://www.infowars.com/posts/us-trustee-committed-bankruptcy-fraud-in-infowars-auction-cut-and-dried-constitutional-attorney-argues
    Like
    2
    0 Comments 1 Shares 148 Views

  • Zalma's Insurance Fraud Letter - December 1, 2024

    ZIFL Volume 28 No. 22

    Post 4939

    Read the full article at Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdfand at https://zalma.com/blog.

    Subscribe to ZIFL at https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D

    The Source for the Insurance Fraud Professional https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/ This issue contains the following articles about insurance fraud:

    The EUO is a Material Condition Precedent
    A Key Tool in the Effort to Reduce Fraud
    Claim Properly Denied for Refusal to Testify at EUO

    I spoke recently at the Conference of the Southern California Fraud Investigators Association on the Examination Under Oath as a tool to help insureds prove their losses and what happens when an insured fails or refuses to testify. This case emphasizes the purpose of my talk.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Thanksgiving Wishes from the Zalma Family

    My family and I have much to be thankful for this year. My first born daughter, Stephanie Zalma, continues to care for my wife 24 hours a day 7 days a week with love and patience as Thea continues as Nana to our two grandchildren and the loving mother of our three children.

    After receiving a new Aortic Heart Valve I am personally in good health, walking about 25 miles a week. Exercising my, apparently unusual mode of retirement, I work only six to eight hours a day doing what I love the most, writing about insurance, insurance claims, insurance law and acting as an insurance claims consultant and expert witness.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    More McClenny Moseley & Associates Issues

    This is ZIFL’s thirty eighth 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 to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Ethical Behavior & Insurance

    Insurance, from the time of its first agreement to the present day has always been a business requiring ethical behavior between the insurer and the insured and between the insured and the insurer.

    The concept of ethical behavior refers to well-founded standards of right and wrong that prescribe what humans ought to do, usually in terms of rights, obligations, benefits to society, fairness, or specific virtues, all of which are essential to the lawyer.

    Ethics refers to those standards that impose the reasonable obligations to refrain from murder, rape, theft, assault, slander, and fraud. Ethical standards also include those that imply virtues of honesty, compassion, and loyalty.

    There are rights presumed to exist such as those described in the Declaration of Independence submitted to King George of England in 1776 that held:

    We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of happiness.

    The unalienable rights also include the right to life, the right to freedom from injury, and the right to liberty. Such standards are adequate standards of ethics because they are supported by consistent and well-founded reasons.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Health Insurance Fraud Convictions

    Michigan Woman Convicted of $1.4M Health Care Kickback Scheme

    Mary Smettler-Bolton, 71, of Oakland County, Michigan was convicted November 22, 2024 for her role in a conspiracy to defraud the United States and receive illegal health care kickbacks.

    According to court documents and evidence presented at trial, Mary referred Medicare beneficiaries to several Metro Detroit home health companies in exchange for hundreds of thousands of dollars in kickbacks paid by the owners and operators of the home health companies. Over the course of four years, she and her co-conspirators caused over $1.4 million of loss to Medicare.

    Smettler-Bolton was convicted of one count of conspiracy to defraud the United States and receive illegal health care kickbacks and one count of violating the federal Anti-Kickback Statute. She is scheduled to be sentenced on March 3, 2025, and faces a maximum penalty of five years in prison on the conspiracy count and a maximum penalty of 10 years in prison on the kickback count. A federal district court judge will determine any sentence after considering the U.S. Sentencing Guidelines and other statutory factors.

    Read the full article about dozens more convictions at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Convictions of Other Than Health Insurance Fraud

    Creative Fraudster Guilty of $229K Insurance Fraud Schemes

    Justin Mack, a native of Buffalo, New York, and a resident of Cleveland, Ohio, was sentenced on November 25, 2024 in the Cuyahoga County Court of Common Pleas. Mack, an Ohio man was sentenced to five years in prison and ordered to pay restitution for filing 24 fraudulent claims with multiple insurance companies, totaling more than $229,000.

    An extensive investigation uncovered Mack’s pattern of submitting altered documentation, falsified claims, and using other people’s identities to fraudulently secure payouts from multiple insurance companies.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    The Examination Under Oath Is Not Part of a Judicial Process

    Although the EUO is a formal proceeding it is not part of a judicial process nor is it subject to the rules set out by codes of civil procedure. There is no right to object to questions and never a judge present to rule on the objections. The testimony at the EUO is required to be presented in accordance with the obligation imposed on an insured to deal fairly and in good faith with the insurer.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Barry Zalma

    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. Write to Mr. Zalma at [email protected]; https://www.zalma.com; https://zalma.com/blog. He publishes daily articles at https://zalma.substack.com, Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ to consider more than 50 volumes written by Barry Zalma on insurance and insurance claims handling.

    Go to Zalma’s Insurance Fraud Letter at https://zalma.com/zalmas-insurance-fraud-letter-2/; Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ and GTTR at https://gettr.com/@zalma
    Zalma's Insurance Fraud Letter - December 1, 2024 ZIFL Volume 28 No. 22 Post 4939 Read the full article at Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdfand at https://zalma.com/blog. Subscribe to ZIFL at https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D The Source for the Insurance Fraud Professional https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/ This issue contains the following articles about insurance fraud: The EUO is a Material Condition Precedent A Key Tool in the Effort to Reduce Fraud Claim Properly Denied for Refusal to Testify at EUO I spoke recently at the Conference of the Southern California Fraud Investigators Association on the Examination Under Oath as a tool to help insureds prove their losses and what happens when an insured fails or refuses to testify. This case emphasizes the purpose of my talk. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Thanksgiving Wishes from the Zalma Family My family and I have much to be thankful for this year. My first born daughter, Stephanie Zalma, continues to care for my wife 24 hours a day 7 days a week with love and patience as Thea continues as Nana to our two grandchildren and the loving mother of our three children. After receiving a new Aortic Heart Valve I am personally in good health, walking about 25 miles a week. Exercising my, apparently unusual mode of retirement, I work only six to eight hours a day doing what I love the most, writing about insurance, insurance claims, insurance law and acting as an insurance claims consultant and expert witness. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf More McClenny Moseley & Associates Issues This is ZIFL’s thirty eighth 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 to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Ethical Behavior & Insurance Insurance, from the time of its first agreement to the present day has always been a business requiring ethical behavior between the insurer and the insured and between the insured and the insurer. The concept of ethical behavior refers to well-founded standards of right and wrong that prescribe what humans ought to do, usually in terms of rights, obligations, benefits to society, fairness, or specific virtues, all of which are essential to the lawyer. Ethics refers to those standards that impose the reasonable obligations to refrain from murder, rape, theft, assault, slander, and fraud. Ethical standards also include those that imply virtues of honesty, compassion, and loyalty. There are rights presumed to exist such as those described in the Declaration of Independence submitted to King George of England in 1776 that held: We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of happiness. The unalienable rights also include the right to life, the right to freedom from injury, and the right to liberty. Such standards are adequate standards of ethics because they are supported by consistent and well-founded reasons. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Health Insurance Fraud Convictions Michigan Woman Convicted of $1.4M Health Care Kickback Scheme Mary Smettler-Bolton, 71, of Oakland County, Michigan was convicted November 22, 2024 for her role in a conspiracy to defraud the United States and receive illegal health care kickbacks. According to court documents and evidence presented at trial, Mary referred Medicare beneficiaries to several Metro Detroit home health companies in exchange for hundreds of thousands of dollars in kickbacks paid by the owners and operators of the home health companies. Over the course of four years, she and her co-conspirators caused over $1.4 million of loss to Medicare. Smettler-Bolton was convicted of one count of conspiracy to defraud the United States and receive illegal health care kickbacks and one count of violating the federal Anti-Kickback Statute. She is scheduled to be sentenced on March 3, 2025, and faces a maximum penalty of five years in prison on the conspiracy count and a maximum penalty of 10 years in prison on the kickback count. A federal district court judge will determine any sentence after considering the U.S. Sentencing Guidelines and other statutory factors. Read the full article about dozens more convictions at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Convictions of Other Than Health Insurance Fraud Creative Fraudster Guilty of $229K Insurance Fraud Schemes Justin Mack, a native of Buffalo, New York, and a resident of Cleveland, Ohio, was sentenced on November 25, 2024 in the Cuyahoga County Court of Common Pleas. Mack, an Ohio man was sentenced to five years in prison and ordered to pay restitution for filing 24 fraudulent claims with multiple insurance companies, totaling more than $229,000. An extensive investigation uncovered Mack’s pattern of submitting altered documentation, falsified claims, and using other people’s identities to fraudulently secure payouts from multiple insurance companies. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf The Examination Under Oath Is Not Part of a Judicial Process Although the EUO is a formal proceeding it is not part of a judicial process nor is it subject to the rules set out by codes of civil procedure. There is no right to object to questions and never a judge present to rule on the objections. The testimony at the EUO is required to be presented in accordance with the obligation imposed on an insured to deal fairly and in good faith with the insurer. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Barry Zalma 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. Write to Mr. Zalma at [email protected]; https://www.zalma.com; https://zalma.com/blog. He publishes daily articles at https://zalma.substack.com, Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ to consider more than 50 volumes written by Barry Zalma on insurance and insurance claims handling. Go to Zalma’s Insurance Fraud Letter at https://zalma.com/zalmas-insurance-fraud-letter-2/; Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ and GTTR at https://gettr.com/@zalma
    0 Comments 1 Shares 988 Views
  • “Zuckerberg is a fraud pretending to care about American Democracy and the election.” — Kash Patel

    https://www.youtube.com/watch?v=n1d2U7fpH3w
    “Zuckerberg is a fraud pretending to care about American Democracy and the election.” — Kash Patel https://www.youtube.com/watch?v=n1d2U7fpH3w
    Like
    Love
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  • BASED GRAND JURY INDICTS THE COP INSTEAD! |
    ARRESTED TRYING TO SAVE HIS HOME FROM FIRE

    I shared this yesterday.... But needed to share again!
    If YOU get put on a JURY or GRAND JURY you have immense power!

    YOU need to stop allowing that power to be used to cage your fellow Americans,
    and instead use that power to see that #Police and especially PROSECUTORS are held accountable!

    These people have the power to DESTROY LIVES in their hands!
    And they wield as if they are playing monopoly or something!

    They try to convict people of heinous crimes, when they know full well that MAN never committed the crime.... They will "shoe-horn the crime to fit their actions"

    This is neither the "Spirit of the Law" nor is this decent, ,oral behavior!
    It's time these people see the inside of the cages they so enjoy putting others into!

    JURY NULLIFICATION is a powerful DEFENSE against these criminals!
    But this jury went a step further, and they did the RIGHT THING!

    It's time to STOP THE CRIMINALITY within Police and Sheriff Departments across the United States! The entire system is based on #Fraud anyway! It operates under "Maritime Admiralty Law" which has no #Jurisdiction over MEN & WOMEN unless they are at SEA or they "Consent" to be a #Slave under this system!

    Americans DON'T KNOW THIS!
    But by "voting" or claiming that you are a "US Citizen" you are CONSENTING!

    You must learn how to remain within the PROPER JURISDICTION...
    Which is COMMON LAW!

    Don't let them trick you using their criminal "Implied Consent Doctrine" either! This is important folks! This system must fall

    This man was likely facing 50 YEARS in prison for the
    PHONY, TRUMPED UP, BS CHARGES THE POLICE CHARGED HIM WITH....

    Those Police Officers should be convicted and sentenced to that amount of time! They should get DOUBLE the time of the harshest possible sentences for these BOGUS "crimes" they charged this man with!

    HE COULD HAVE LOST THAT MUCH OF HIS INNOCENT LIFE BASED ON LIES, SO THEY, AS THE LIARS, SHOULD GET DOUBLE THE MAXIMUM TIME FOR FILING THE BOGUS CHARGES!

    https://old.bitchute.com/video/jtRU3vZI-QU/
    BASED GRAND JURY INDICTS THE COP INSTEAD! | ARRESTED TRYING TO SAVE HIS HOME FROM FIRE I shared this yesterday.... But needed to share again! If YOU get put on a JURY or GRAND JURY you have immense power! YOU need to stop allowing that power to be used to cage your fellow Americans, and instead use that power to see that #Police and especially PROSECUTORS are held accountable! These people have the power to DESTROY LIVES in their hands! And they wield as if they are playing monopoly or something! They try to convict people of heinous crimes, when they know full well that MAN never committed the crime.... They will "shoe-horn the crime to fit their actions" This is neither the "Spirit of the Law" nor is this decent, ,oral behavior! It's time these people see the inside of the cages they so enjoy putting others into! JURY NULLIFICATION is a powerful DEFENSE against these criminals! But this jury went a step further, and they did the RIGHT THING! It's time to STOP THE CRIMINALITY within Police and Sheriff Departments across the United States! The entire system is based on #Fraud anyway! It operates under "Maritime Admiralty Law" which has no #Jurisdiction over MEN & WOMEN unless they are at SEA or they "Consent" to be a #Slave under this system! Americans DON'T KNOW THIS! But by "voting" or claiming that you are a "US Citizen" you are CONSENTING! You must learn how to remain within the PROPER JURISDICTION... Which is COMMON LAW! Don't let them trick you using their criminal "Implied Consent Doctrine" either! This is important folks! This system must fall This man was likely facing 50 YEARS in prison for the PHONY, TRUMPED UP, BS CHARGES THE POLICE CHARGED HIM WITH.... Those Police Officers should be convicted and sentenced to that amount of time! They should get DOUBLE the time of the harshest possible sentences for these BOGUS "crimes" they charged this man with! HE COULD HAVE LOST THAT MUCH OF HIS INNOCENT LIFE BASED ON LIES, SO THEY, AS THE LIARS, SHOULD GET DOUBLE THE MAXIMUM TIME FOR FILING THE BOGUS CHARGES! https://old.bitchute.com/video/jtRU3vZI-QU/
    OLD.BITCHUTE.COM
    BASED Grand Jury Indicts the Cop Instead! | Arrested Trying to Save his Home from Fire
    Got injured in an accident? You could be one click away from a claim worth millions. You can start your claim now with Morgan & Morgan at https://ForThePeople.com/TheCivilRightsLawyer without leaving your couch. Remember, it's free unless you win. …
    0 Comments 0 Shares 534 Views

  • I am Thankful

    Thanksgiving Wishes from the Zalma Family

    Post 4938

    Posted on November 27, 2024 by Barry Zalma

    See the full video at and at hope, on this Thanksgiving weekend, that you can join my family and me remembering that it is more important to think about our blessings and those things that we have to be thankful for than to get in line for “Black Friday” to buy an inexpensive flat screen t.v. or tablet. Enjoy the holiday and your family as I will.

    My family and I have much to be thankful for this year. My first born daughter, Stephanie Zalma, continues to care for my wife 24 hours a day 7 days a week with love and patience as Thea continues as Nana to our two grandchildren and the loving mother of our three children.

    After receiving a new Aortic Heart Valve I am personally in good health, walking about 25 miles a week. Exercising my, apparently unusual, mode of retirement, I work only six to eight hours a day doing what I love the most, writing about insurance, insurance claims, insurance law and acting as an insurance claims consultant and expert witness.

    To me, I am thankful for you, my friends, clients and readers of “Zalma’s Insurance Fraud Letter,” my blog “Zalma on Insurance,” and my books and other writing including the third Edition of the ten volumes of my treatise, “Zalma on Insurance Claims” and the Fourteenth Edition of “Property Investigation Checklists.”

    As a first generation American I am honored to join with all Americans the ability to celebrate Thanksgiving that started when the United States was a dream and just a colony of Great Britain, to give thanks for the good things in life at least once a year. It took Abraham Lincoln, our greatest President to make it an official holiday. The Thanksgiving holiday gives me and my family the opportunity to consider the blessings we have received and to thank all who have made it possible.

    Please allow me this opportunity to explain to you all the things I, and my family, can continue to give thanks for:

    1. I have loved my wife of almost 57 years since we first met when she was nine and I was twelve.
    2. I am thankful that she still loves me and lets me make clear every day that I love her more now than I did when she ignored me when I was 12.
    3. My three adult children who are successes in their own right.
    4. That my three children who put up with my wife and I, and are healthy, successful, and mostly happy in what they do.
    5. My almost eight-year-old granddaughter and my 22 year-old grandson live nearby, my grandson is now a successful college graduate from Puget Sound University in Washington state and working full time in I.T.
    6. My clients who, for the more than 57 years have allowed me to earn a living doing what I love. I practiced law until I let my license go inactive, acting as a consultant, testifying as an expert witness and writing materials to help others provide excellence in claims services as members of the insurance profession.
    7. My publishers the American Bar Association, Full Court Press, Fastcase.com, Thomson Reuters and Amazon.com.
    8. My dearly departed parents and grandparents for having the good sense to leave the Ottoman Empire at the beginning of the 20th Century so we could avoid the Holocaust and I could be born American.
    9. My country for giving me a place to live and work in peace and complain about it without fear.
    10. The state of California, where I was born, and have lived for 82 years, for allowing me to have my home and grow my family, and the ability to pay California’s high taxes for the privilege.
    11. Those of you who read what I write and gain something from it.
    12. Eighty two years of mostly good health, but for a small heart attack,clogged arteries, a failed Aortic heart valve, ant the surgeons that gave me the ability to continue to work – albeit at a reduced rate.
    13. Allowing me the health and ambition to avoid my cardiologist by walking every day and working on my garden and bonsai with one of my Chinese Elms in a pot for more than 49 years.
    14. The hundreds of friends I have never met but with whom the Internet has allowed me to communicate in parts of the world I have never visited.
    15. The wonder of the Internet that allows me to publish E-books, ZIFL and my blog instantly on line.
    16. That my family can get together to express our thanks for each other and our happiness this year again without a need for anything but enjoying each other’s company and some good food.
    17. That most of you who I know only by my publications can also gather with your families to express your thanks.

    When I enlisted in the U.S. Army in 1964, I volunteered ostensibly to avoid the draft and volunteered to serve anywhere in the world. Fortunately, the Army made assignments in alphabetical order and I was sent by the U.S. Army Intelligence Corps to Peoria, Illinois where I became a Special Agent in Charge of an office investigating people who sought security clearances. I was trained to be an investigator and enjoyed every minute of the job.

    Until the Army I had never seen a river without a concrete bottom only to see the mighty Mississippi as my first real river. I had never seen snow other than in the distance on mountains only to find myself shoveling the snow off the driveway in the small half-of-a-house I rented from an old couple who could not do it themselves.

    My investigative assignments required me to travel throughout Central Illinois from the Iowa to the Indiana borders. I stopped at court houses along the way, all of which had signs that Abraham Lincoln practiced law there. Those experiences with the courts, law enforcement officers, and court personnel probably gave me the incentive to become a lawyer.

    When I finished my three year enlistment I returned home, proposed marriage to the love of my life, who fortunately for me, accepted. I began the study of law at night and found my first real job where I could use the skills I learned in the Army. I was hired as a claims trainee at the Fireman’s Fund American Insurance Company who spent the time to train me to be a claims adjuster. The training was, unlike modern insurers, thorough. I was required to read a treatise on insurance and insurance claims handling. I was sent out with experienced adjusters in all types of insurance Fireman’s Fund wrote to learn as they adjusted claims, and eventually allowed to deal with the public under close supervision.

    Contrary to the requirements of the insurance industry at the time, Fireman’s Fund allowed me to study law at night while I worked as a full-time insurance adjuster. I was fortunate enough to work for a claims manager – Coleman T. Mobley – who did not require me to go out of state to adjust major storm claims if it interfered with my law school studies. Since I was in law school 50 weeks a year the only catastrophe storm duty I was required to work was a fire storm that burned from the San Fernando Valley to the ocean at Malibu. Because of Mr. Mobley and the Fireman’s Fund I was able to complete my studies and pass the California Bar in 1971 and be admitted to the California Bar on January 2, 1972.

    I took a cut in pay to get my first job as an Associate Attorney with a law firm that was willing to teach me to be a lawyer handling every kind of problem a new lawyer could face from wills, tort claims, divorce, drunk driving, trials, depositions, and dozens of orders to show cause in multiple courts around the Inland Empire of California. By doing so, when I started practicing law in 1972, I became a lawyer who could deal with any issue brought to me. I was fortunate enough to be able to move to an insurance law firm in Century City where I was assigned to a coverage lawyer who was trying to deal with over 500 active matters and, who, when I arrived, assigned 250 of the matters to me and pointed me to the firm’s library to learn what to do.

    At the time new technology was an IBM Selectric typewriter that could erase errors from the keyboard without the need to use white-out paint. I did legal research in the firm’s large library which, when it was inadequate for the task, I drove to the County Law Library in downtown Los Angeles to adequately research legal questions .

    Research in a large library took days to find support for an issue. I needed three professional legal secretaries to keep up with my dictation. Now, using modern technology, I can do the same legal research in 30 minutes on Fastcase.com, need no secretary, and can operate my consulting, writing, training and publishing businesses with no employees.

    In 1979 I decided it was time to be my own boss. I started a law firm called Barry Zalma, Inc. with a secretary who came from my last firm and brought an IBM Selectric typewriter with her into a small windowless office. I had obtained a line of credit from a bank that I hoped would carry us until the practice started since the only case I was sure of when I moved into my new office, was my sister’s rear-ender from which I could not, and did not, take a fee.

    The office was furnished with a file cabinet from my father-in-law’s dental practice and a dining room table from my wife’s grandmother who had passed away. I received my first call at 8:10 a.m. on the first day, October 1, 1979, from Alan Worboys, a claims person speaking for Certain Underwriters at Lloyd’s, London and my practice began. Alan became, and still is, a long time friend. I had nothing to do on October 3, 1979 so I wrote an article for publication. After that, I had no peace and the firm quickly grew to 9 lawyers and a staff to serve them all defending people who were insured and acting as coverage counsel for insurers who needed advice and counsel concerning interpretation of insurance contracts and how to deal with attempted fraud. I, and the lawyers who joined the firm also provided defense to insureds of our clients and defense of suits against the insurers for tort, including the tort of bad faith.

    I was more successful than I ever expected. I, whose experience was limited to Los Angeles County and Central Illinois, found a need to travel to Taipei, Taiwan and London, England on behalf of my clients. I worked, as I had learned from my father who survived the Depression, 16 hours a day, six or seven days a week. When I became 75 years old my firm had been reduced back to a sole practice and I decided it was time to stop practicing law and become a consultant and fulfill my childhood dream to be an author.

    I am a very lucky and happy man. I do work that I love. I fulfilled my childhood dreams. I Live in a home I have owned for more than 49 years that my wife and I adapted and increased as children were born to meet our needs. I have the love of my life with me and look forward to celebrating our 57th wedding anniversary next month. I am honored that my eldest daughter has come back to live with us and care for my wife and I who are not able to do everything we used to do.

    I have three wonderful children, two grandchildren and all live close. My son, and his business shares my office building and has time to visit with me as allowed by his busy schedule.

    (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 X @bzalma; 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 the Insurance Claims Library – https://lnkd.in/gwEYk

    This is a long article so go to https://www.linkedin.com/pulse/i-am-thankful-barry-zalma-esq-cfe-bzysc, to read the full article.
    I am Thankful Thanksgiving Wishes from the Zalma Family Post 4938 Posted on November 27, 2024 by Barry Zalma See the full video at and at hope, on this Thanksgiving weekend, that you can join my family and me remembering that it is more important to think about our blessings and those things that we have to be thankful for than to get in line for “Black Friday” to buy an inexpensive flat screen t.v. or tablet. Enjoy the holiday and your family as I will. My family and I have much to be thankful for this year. My first born daughter, Stephanie Zalma, continues to care for my wife 24 hours a day 7 days a week with love and patience as Thea continues as Nana to our two grandchildren and the loving mother of our three children. After receiving a new Aortic Heart Valve I am personally in good health, walking about 25 miles a week. Exercising my, apparently unusual, mode of retirement, I work only six to eight hours a day doing what I love the most, writing about insurance, insurance claims, insurance law and acting as an insurance claims consultant and expert witness. To me, I am thankful for you, my friends, clients and readers of “Zalma’s Insurance Fraud Letter,” my blog “Zalma on Insurance,” and my books and other writing including the third Edition of the ten volumes of my treatise, “Zalma on Insurance Claims” and the Fourteenth Edition of “Property Investigation Checklists.” As a first generation American I am honored to join with all Americans the ability to celebrate Thanksgiving that started when the United States was a dream and just a colony of Great Britain, to give thanks for the good things in life at least once a year. It took Abraham Lincoln, our greatest President to make it an official holiday. The Thanksgiving holiday gives me and my family the opportunity to consider the blessings we have received and to thank all who have made it possible. Please allow me this opportunity to explain to you all the things I, and my family, can continue to give thanks for: 1. I have loved my wife of almost 57 years since we first met when she was nine and I was twelve. 2. I am thankful that she still loves me and lets me make clear every day that I love her more now than I did when she ignored me when I was 12. 3. My three adult children who are successes in their own right. 4. That my three children who put up with my wife and I, and are healthy, successful, and mostly happy in what they do. 5. My almost eight-year-old granddaughter and my 22 year-old grandson live nearby, my grandson is now a successful college graduate from Puget Sound University in Washington state and working full time in I.T. 6. My clients who, for the more than 57 years have allowed me to earn a living doing what I love. I practiced law until I let my license go inactive, acting as a consultant, testifying as an expert witness and writing materials to help others provide excellence in claims services as members of the insurance profession. 7. My publishers the American Bar Association, Full Court Press, Fastcase.com, Thomson Reuters and Amazon.com. 8. My dearly departed parents and grandparents for having the good sense to leave the Ottoman Empire at the beginning of the 20th Century so we could avoid the Holocaust and I could be born American. 9. My country for giving me a place to live and work in peace and complain about it without fear. 10. The state of California, where I was born, and have lived for 82 years, for allowing me to have my home and grow my family, and the ability to pay California’s high taxes for the privilege. 11. Those of you who read what I write and gain something from it. 12. Eighty two years of mostly good health, but for a small heart attack,clogged arteries, a failed Aortic heart valve, ant the surgeons that gave me the ability to continue to work – albeit at a reduced rate. 13. Allowing me the health and ambition to avoid my cardiologist by walking every day and working on my garden and bonsai with one of my Chinese Elms in a pot for more than 49 years. 14. The hundreds of friends I have never met but with whom the Internet has allowed me to communicate in parts of the world I have never visited. 15. The wonder of the Internet that allows me to publish E-books, ZIFL and my blog instantly on line. 16. That my family can get together to express our thanks for each other and our happiness this year again without a need for anything but enjoying each other’s company and some good food. 17. That most of you who I know only by my publications can also gather with your families to express your thanks. When I enlisted in the U.S. Army in 1964, I volunteered ostensibly to avoid the draft and volunteered to serve anywhere in the world. Fortunately, the Army made assignments in alphabetical order and I was sent by the U.S. Army Intelligence Corps to Peoria, Illinois where I became a Special Agent in Charge of an office investigating people who sought security clearances. I was trained to be an investigator and enjoyed every minute of the job. Until the Army I had never seen a river without a concrete bottom only to see the mighty Mississippi as my first real river. I had never seen snow other than in the distance on mountains only to find myself shoveling the snow off the driveway in the small half-of-a-house I rented from an old couple who could not do it themselves. My investigative assignments required me to travel throughout Central Illinois from the Iowa to the Indiana borders. I stopped at court houses along the way, all of which had signs that Abraham Lincoln practiced law there. Those experiences with the courts, law enforcement officers, and court personnel probably gave me the incentive to become a lawyer. When I finished my three year enlistment I returned home, proposed marriage to the love of my life, who fortunately for me, accepted. I began the study of law at night and found my first real job where I could use the skills I learned in the Army. I was hired as a claims trainee at the Fireman’s Fund American Insurance Company who spent the time to train me to be a claims adjuster. The training was, unlike modern insurers, thorough. I was required to read a treatise on insurance and insurance claims handling. I was sent out with experienced adjusters in all types of insurance Fireman’s Fund wrote to learn as they adjusted claims, and eventually allowed to deal with the public under close supervision. Contrary to the requirements of the insurance industry at the time, Fireman’s Fund allowed me to study law at night while I worked as a full-time insurance adjuster. I was fortunate enough to work for a claims manager – Coleman T. Mobley – who did not require me to go out of state to adjust major storm claims if it interfered with my law school studies. Since I was in law school 50 weeks a year the only catastrophe storm duty I was required to work was a fire storm that burned from the San Fernando Valley to the ocean at Malibu. Because of Mr. Mobley and the Fireman’s Fund I was able to complete my studies and pass the California Bar in 1971 and be admitted to the California Bar on January 2, 1972. I took a cut in pay to get my first job as an Associate Attorney with a law firm that was willing to teach me to be a lawyer handling every kind of problem a new lawyer could face from wills, tort claims, divorce, drunk driving, trials, depositions, and dozens of orders to show cause in multiple courts around the Inland Empire of California. By doing so, when I started practicing law in 1972, I became a lawyer who could deal with any issue brought to me. I was fortunate enough to be able to move to an insurance law firm in Century City where I was assigned to a coverage lawyer who was trying to deal with over 500 active matters and, who, when I arrived, assigned 250 of the matters to me and pointed me to the firm’s library to learn what to do. At the time new technology was an IBM Selectric typewriter that could erase errors from the keyboard without the need to use white-out paint. I did legal research in the firm’s large library which, when it was inadequate for the task, I drove to the County Law Library in downtown Los Angeles to adequately research legal questions . Research in a large library took days to find support for an issue. I needed three professional legal secretaries to keep up with my dictation. Now, using modern technology, I can do the same legal research in 30 minutes on Fastcase.com, need no secretary, and can operate my consulting, writing, training and publishing businesses with no employees. In 1979 I decided it was time to be my own boss. I started a law firm called Barry Zalma, Inc. with a secretary who came from my last firm and brought an IBM Selectric typewriter with her into a small windowless office. I had obtained a line of credit from a bank that I hoped would carry us until the practice started since the only case I was sure of when I moved into my new office, was my sister’s rear-ender from which I could not, and did not, take a fee. The office was furnished with a file cabinet from my father-in-law’s dental practice and a dining room table from my wife’s grandmother who had passed away. I received my first call at 8:10 a.m. on the first day, October 1, 1979, from Alan Worboys, a claims person speaking for Certain Underwriters at Lloyd’s, London and my practice began. Alan became, and still is, a long time friend. I had nothing to do on October 3, 1979 so I wrote an article for publication. After that, I had no peace and the firm quickly grew to 9 lawyers and a staff to serve them all defending people who were insured and acting as coverage counsel for insurers who needed advice and counsel concerning interpretation of insurance contracts and how to deal with attempted fraud. I, and the lawyers who joined the firm also provided defense to insureds of our clients and defense of suits against the insurers for tort, including the tort of bad faith. I was more successful than I ever expected. I, whose experience was limited to Los Angeles County and Central Illinois, found a need to travel to Taipei, Taiwan and London, England on behalf of my clients. I worked, as I had learned from my father who survived the Depression, 16 hours a day, six or seven days a week. When I became 75 years old my firm had been reduced back to a sole practice and I decided it was time to stop practicing law and become a consultant and fulfill my childhood dream to be an author. I am a very lucky and happy man. I do work that I love. I fulfilled my childhood dreams. I Live in a home I have owned for more than 49 years that my wife and I adapted and increased as children were born to meet our needs. I have the love of my life with me and look forward to celebrating our 57th wedding anniversary next month. I am honored that my eldest daughter has come back to live with us and care for my wife and I who are not able to do everything we used to do. I have three wonderful children, two grandchildren and all live close. My son, and his business shares my office building and has time to visit with me as allowed by his busy schedule. (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 X @bzalma; 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 the Insurance Claims Library – https://lnkd.in/gwEYk This is a long article so go to https://www.linkedin.com/pulse/i-am-thankful-barry-zalma-esq-cfe-bzysc, to read the full article.
    BARRYZALMA.SUBSTACK.COM
    Subscribe to Excellence in Claims Handling
    A series of writings and/or videos to help understand insurance, insurance claims, and becoming an insurance claims professional and who need to provide or receive competent and Excellence in Claims Handling. Click to read Excellence in Claims Handling, by Barry Zalma, a Substack publication with thousands of subscribers.
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