Hi, my name is Dave,

In the late 1970's two very critical things happened to me that greatly impact my life today.  My teenage sister died from cancer and I was diagnosed to have a degenerative eye disease.

I worked 29 years for the phone company and kept putting money away in a 401-K, because I knew that someday my vision would be limited.  Well, finally the day came that I couldn't work anymore.  I needed a safe place to invest both my phone company pension and 401-K funds.  I saw the ad in the newspaper and went down to see Bob and his son.  They assured me that this was an extremely safe investment.  I could get 14% in 12 to 16 months.  It wasn't great money for those days, but it was supposedly VERY safe!  Also, in the back of my mind was my sister's death from cancer.  Here was a chance to help other families going through the hell of this terrible disease.  I checked with all of the state agencies and the BBB, Bob's company checked out.  I did the same in California about National Medical Funding, everything looked okay.

I was concerned about how liquid my assets were, the two Bobs assured me that they could always buy the contracts back at 5 %, but it would take a few weeks to process.  I didn't see that as a major drawback.  They also stated that since this was actually invested in insurance policies, no insurance company had EVER defaulted on a contract.  I told them about my eye problems, but again, they assured me that this was the safest place to invest my retirement.

In the summer of 2001, I started to call Bob about my investments (I had 4 contracts), he never had the information and said that he had to check with some guy named CJ.  After several calls, he told me to phone CJ direct.  To make a long story short, I received mostly excuses and a bounced check.  He would cry on the phone when I told him that I was going to the BBB, government agencies and the media.  He would lament that "I was ruining his business"!!  "The insurance companies are slow to pay out, I can't get death certificates fast enough, the bank screwed up your money transfer, etc., etc.."

In the winter of 2001, Bob and is son moved their offices to Las Vegas, but didn't bother to tell clients until several months later.  Bob jr., told me he was also opening a bar up there.  They said they had to move because Arizona changed the laws on viaticals.  "It's no big problem, we're still open for business".  I asked if I could take advantage of the 5% buy-back, but they said that they didn't do that anymore.  I would have to wait for the original contract to mature.

I can't begin to tell you how much this has affected my physical and mental health.  They took my ENTIRE retirement fund!  My finances are in a shambles.  I still have two boys at home, going to school.  My daughter, who lives on her own, was hit by an uninsured motorist last summer and I tried to help her out as much as I could.  She inherited my eye disease and almost lost her eye from the accident.   It took several surgeries to get her sight back.  These last two years have been been hell.  CJ and Bob couldn't care less. 

I've called Bob several times, of course, but he's was mostly worried about the investments of his friends.  "I have to help them first" he told me.

These WEB pages have been very therapeutic for me and at last I feel that I can do something to fight back!!!

As I think about those two guys and their mob type families.  If a teenager steals a Tee shirt from the mall he or she gets arrested.  If a robber steals $5.00 from a 7/11 with a gun, he goes to jail for a long time.  I would expect nothing less from people that steal the the financial assets of over a hundred people by using a pen, lies and trickery.  They took away our homes, our health, our incomes and our hopes for a future.

Dave