Posted by & filed under Consumer Protection, Fraud, Government, Grammar, Lawsuits, Uncategorized.

What is Fact? A truth known by actual experience or observation; something known to be true. In fact, 3+3=6.  There is only 1 correct answer.

What is Opinion? A view or judgment formed about something, not necessarily based on fact or knowledge.  In opinion, 3+3 = any number but 6.  There is an infinite number of incorrect answers. Opinions are considered a zero value because they cannot be proven to be a fact.

What is Parse? Parts of speech or parts of a word.  Example “Opinion”.  “O” = no, “pin” = to attach or grip, “ion” = contract.  So the true definition of “Opinion” means no attached contract.

In written language, consumers are often purposely misled because consumers often times do not know the difference between fact and fiction.  The misleading of consumer is magnified when those in authoritative positions use fiction to misdirect the facts.  People in authoritative positions are suppose to be correct and honest and not mislead and misdirect consumers through opinions.

An example might be that of a judge, attorney or government official purposely misleading consumers away from facts by using their authoritative position to create an opinion that looks like a fact.  This is very easy to spot if you know what you are looking for.

When a person in an authoritative position is attempting to make their opinion look like a fact you will see the following patterns occur even if you may not be an expert in grammar laws.

1.  Look for words such as “allege, assume, believe, best, could, feel, good, greatest, important, may, maybe, might, most, must, opinion, probably, purported, really, should, should not, think, worst etc..”.  There are far to many words to list.

Adverbs and Adjectives are all opinions of a fact.  “Great movie”.  “Great” is an opinion of the word “movie”.

2.  People in authoritative positions will often times use the opinions of others in an effort to make their opinion look like a fact.  This is seen in nearly every lawsuit written by an attorney or opinion/order written by a judge.  Lawmakers very often use this same tactic to convince consumers that the law is in the best interest of the consumer.

In the lawsuits written by attorneys, judges opinions on a case or a new law drafted by law makers you often see them cite the “opinions” of other cases from the past to support their “opinion” to make their “opinion” look like a fact.  This technique works very well because most people do not know that the “opinions” are just “opinions” not facts.

In math this technique would be easy to spot.  In the following math equations zero is the value of an “opinion” because it has no factual value.  Which equation is correct?

Equation 1.  0 + 0 + 0 + 0 + 0 + 0 + 0 = 7 (7 opinions = a fact)

Equation 2.  0 + 0 + 0 + 0 + 0 + 0 + 0 = 0 (7 opinions = an opinion)

If you understand the above math equations, you will also understand that a thousand zeros or “opinions” combined add up to equal a zero or an “opinion”.

The English language is wonderful because it allows fiction writers to color their words in an effort to create pictures in your mind that are great for entertaining.  Contracts, lawsuits, judges opinions/orders should not be filled with opinions that attempt to mislead a consumer that a bunch of “opinions” combine to equal a fact.

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Posted by & filed under Grammar.

Musician – An expert at the laws of music. The laws of music are based on the values of notes. A musician can identify the value of all the notes in a composure.  Is the note a C, D, E, F, G etc..  Being that each note has a specific value, the musician does not make opinions about the value of a note.  I have never met a musician that did not know the values of the notes they use in their profession.

Mathematician – An expert at the laws of math.  The laws of math are based on the values of numbers. A mathematician can identify the value in all the numbers in a math problem. Is the number a 1, 2, 3, 4, 5 etc.. Being that each number has a specific value, the mathematician does not make opinions about the value of a number. I have never met a mathematician that did not know the values of the numbers they use in their profession.

Attorney – An expert at the laws of contracts.  The laws of contracts are based on the values of words.  An attorney can identify the value in all the words in a contract. Is the word an Adverb, Verb, Adjective, Pronoun, Noun etc.. I have never met an attorney that knew the values of the words they use in their profession. Being that each word has a specific value, the attorney only makes opinions about the value of the words since they do not actually know the value of the words they are using.  This would be the same as a musician making opinions about the values of musical notes in a composure or a mathematician making opinions about the value of numbers in a math problem.

An attorney will take the value of a word that is a noun and change it to become a verb.  This would be the same as a musician taking the value of a note that is a C and changing it to become a E.  This would be the same as a mathematician taking the value of a number that is a 1 and changing it to become a 3.



Grammar Fraud – The Hidden Language of Your Contract | The Advocacy For Consumer Rights

Posted by & filed under Grammar.

Grammar fraud is a serious, yet under reported issue, in our modern society. It occurs when a bank or financial institution uses vague or ambiguous contract language in order to take advantage of individuals or companies. Lawsuits are then filed against otherwise law-abiding citizens, using this unclear language. Specialists in this field provide assistance by using mathematical formulas to highlight the lack of clarity in a contract. This exposes the contract for what it really is and prevents these institutions from taking further steps.


Mortgage Fraud

Mortgage lenders and banks commonly abuse the rights of lenders by using grammar fraud tactics. This leaves many consumers in the dark about the terms of their mortgages. It also gives lenders the freedom to interpret the terms of the contract in any manner they please. This can lead consumers down the path to financial ruin, while lenders increase their profits. Victims of fraud are often entitled to financial compensation from prominent government agencies.


Credit Fraud

Creditors also engage in this practice with great frequency. By utilizing unclear language and preying upon unsuspecting consumers, they are able to make millions of dollars a year in additional revenue. Consumers already facing financial difficulty are later forced to endure the unfair grammar fraud tactics of financial institutions. As with mortgages, credit fraud victims may be entitled to financial compensation.


Government Assistance

There are government funds available to assist victims of this practice. The government has recently taken increased action against these companies, and implemented harsher penalties. When you work with a fraud specialist, your claim can be presented to the appropriate agency.


Final Thoughts

Fraud is one of the most common ways that financial institutions extort money from innocent consumers. There are many people who have been victims of this corrupt practice, but are currently unaware of their rights. By hiring a grammar specialist, you can avoid wrongful lawsuits, and finally get the peace of mind you deserve.

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Whistleblower Claim Filing Starts With Everyday Folks | The Advocacy For Consumer Rights

Posted by & filed under Whistleblower.

Whistleblowers have been in the news throughout history. For example, there is Mark Felt, who exposed the Watergate scandal. If you’re an Al Pacino fan, you probably know about Frank Serpico, the police officer Pacino played in a 1973 movie. Serpico exposed widespread corruption within the New York police department. More recently, Edward Snowden blew the whistle on the enormous reach of the National Security Agency. Given all this, it is natural to think of whistleblowing as large, nationwide affairs. In fact, many people have the potential for whistleblowing claim filing due to their mortgage contracts and related documents.


Why Mortgages?

Many mortgage lending and servicing companies are predatory. They use false and misleading language in contracts to deceive customers, to cheat them of their hard-earned money and even their homes. In fact, the Department of Justice and the Securities & Exchange Commission have programs that encourage everyday consumers to report these lenders who damage the government. If you prove your case, you could receive significant compensation. Keep a few things in mind:

  • Mortgage fraud is on the upswing, but so are prosecutions, thanks to whistleblower claim filing.
  • The experience a mortgage lender says he has does not matter. His business can still be fraudulent and could be a Ponzi scheme.
  • The mortgage lending industry is not as tightly regulated as other financial services industries.

Who Can Help

Contract grammar specialists can help you with whistleblower claim filing. These specialists use contract analysis and the mathematical laws of grammar to uncover fraudulent language. After grammar fraud is found, the specialists help you get evidence ready and help you prepare complaints and other paperwork for filing.

When you search for mortgage lenders or brokers, check on the financial stability and reputation of the companies they represent. Ask for solid referrals, and approach deals that seem too good to be true with plenty of caution. Get at least three quotes for comparison.

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How to Avoid Foreclosure Fraud | The Advocacy For Consumer Rights

Posted by & filed under Foreclosure, Fraud.

Falling behind on your mortgage payments and falling into a foreclosure on your home can be extremely stressful. It can be even more worrisome when there are people trying to defraud you when you are already underwater. Homeowners need to be cautious of programs that offer a secret method or want a payment upfront.

Click here to read the full article by Michael Macco on MaccoSternLaw.

Government Fraud | The Advocacy For Consumer Rights

Posted by & filed under Fraud, Government.

When servicers and mortgage lenders attempt to defraud a client, many times this causes damage to the federal government, as well.  In a lot of cases by using a system referred to as the mathematical laws of grammar and a client’s own documents, fraud can be proven, and action can be taken against the offending company.


Committing fraud against the government hurts all citizens in the long run. By helping to document grammar fraud, the perpetrators of the fraud can:


  • be prosecuted resulting in damages and awards
  • be fined up to millions of dollars
  • be shut down to save others from being scammed


If you feel you have been subjected to  a fraud situation that could possibly also be considered government fraud, you may want to have your case reviewed. By scrutinizing your documents against the laws of grammar by those who are experienced, you may be able to help stop further cases from developing. They can also help you learn how to spot grammar fraud. It is like learning a new language that will help you be more informed now and in the future.


Too many companies take advantage of a consumer by twisting the language in ways that seem more like legalese instead of just everyday language. Because of this, some people feel they do not want to show that they do not understand the content and will sign documents based on what the company representative is telling them, not on what they have read. Another favorite method is to not include definite periods of time. The creditor may write in the contract, “… within a reasonable time period.” The word “reasonable” can be anyone’s opinion. The problem comes when the creditor’s opinion is not the same as the customer’s opinion.


You can get your case reviewed with no obligation, and reviews are confidential. Help stop government fraud by stopping companies that try to take advantage of others through professional means.

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Why Mortgage Grammar Fraud Matters | The Advocacy For Consumer Rights

Posted by & filed under Grammar, Mortgage Modification.

There is no better bedside reading than thumbing through page after page of your mortgage contract—said no one ever. That is because mortgage contracts seem written to cloud, confuse and mislead. Language in the contracts is vague, and many sentences are not even sentences. As long as you have your house and everything is going well, you may think mortgage grammar fraud does not matter, but it does.


Honesty and Trust

Businesses, including mortgage companies, have a responsibility to deal ethically and transparently with customers. They need to be held accountable for failures, or their dishonest practices will simply become more prevalent. The world needs fewer predatory lenders, not more. When a situation gets bad—for example, when you are late on payments—grammar fraud can really hurt you. You could be hit with unfair amounts of fines and fees because intentionally vague phrases in your mortgage contract. Appraisers and settlement agents can be dishonest, too.


What to Do

If you believe you are a victim of mortgage grammar fraud, get in touch with a company that specializes in contract grammar. These companies review your mortgage agreement for false and misleading language. After fraud is exposed, you may be entitled to damages and awards through federal whistleblower cases. If you are late on payments or in trouble somehow with your mortgage company, such companies can help you receive fair treatment and an even playing field. However, contract grammar companies are not law firms. You still need to directly work with your lender to discuss mortgage modification or programs to help you avoid foreclosure.


How to Choose a Contract Grammar Specialist

Seek out a company that explains concisely and clearly what it does and that uses language that is the opposite of that in your mortgage contract. Check that the company does free, no-obligation reviews. Ask about service guarantees and the whistleblower programs you may qualify for in cases of mortgage grammar fraud.


Understanding your mortgage contract is important. You need to know your rights and responsibilities, and one way to keep mortgage companies accountable is to work with grammar fraud specialists.

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How Contract Grammar Specialists Protect Your Interests | The Advocacy For Consumer Rights

Posted by & filed under Grammar.

An unfortunate fact of business is that many companies and people do not have your best interests at heart. They commonly use vague or misleading language in contracts for their benefit. If you suspect you are about to sign such a contract, hold off. Instead, get in touch with contract grammar specialists. What if you already signed a contract? These folks can still help.


Proving Fraud

Proving fraud is not as simple as uncovering subpar language. You must show that a contract intentionally uses confusing or false language that the other party intends to hide behind. Examples of fraud include cases in which you may think you are signing a contract to buy a car, but in fact, it is for a boat. In another example, you might think you are signing a contract to purchase 200 objects when the intent is for you to purchase only 100. Contract grammar specialists are well versed in the tricks that fraudulent contracts have and can help prove fraud. They use the mathematical laws of grammar to ensure contracts are clear and precise.


Avoiding Litigation

Litigation is expensive and emotionally draining, and grammar fraud companies offer you the chance to resolve contract fraud quickly and efficiently. The specialists are often able to get you released from a contract with no negative consequences whatsoever.


What to Do

When you need help with a contract, either one you have signed or have yet to sign, look for contract grammar specialists who offer case reviews for free and with no obligations. Their material should be easy to read; make sure they follow the advice they give. Ask what they do after they uncover contract fraud.


Contracts are important legal documents. You use them to buy and sell cars and homes, and to receive services. They should be as transparent as possible. Don’t settle for anything less.

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Help Is Available if You Suspect Grammar Fraud | The Advocacy For Consumer Rights

Posted by & filed under Fraud, Grammar.

If you are looking for help with foreclosure rescue due to difficulties with mortgage payments or problems, you should contact your lender immediately to work out a solution. However, if you suspect grammar fraud in your contracts, then help is available to sort things out.

Mathematical Laws of Grammar

Most people understand basic math and would notice if someone changed one component of a simple formula, such as 5+5=10. Now, if one of the 5’s was changed to an 8, the client would notice and realize that 10 is no longer the answer.

Grammar is a lot like math. Certain nouns and verbs must be used in proper order. If a noun is turned around and used as a verb or adjective, then the meaning could be partially or completely changed. However, if you just quickly glance over a legal document and do not read the words in the correct context, the new inference could be missed. Down the road this could cause problems, possibly leading to the need for foreclosure rescue, when you are told you had signed a contract that said something that was different from what you had thought it meant.

An Advocacy Group Can Be an Important Ally

If you feel you have been taken advantage of and would like expert help, assistance is available to help you sort through the questionable paperwork. Whether it has led to creditor harassment, a lawsuit or foreclosure, take steps now to have your information reviewed by people who have your best interests at heart.

Do you feel you have been lied to or misled? With a case manager specifically designated to handle your case, you can receive a confidential review that is free and with no obligation. Your case manager can help decipher and find any false and misleading statements that have brought you to the point of needing foreclosure rescue.


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Fraudulent Grammar and Frivolous Lawsuits | The Advocacy For Consumer Rights

Posted by & filed under Grammar, Lawsuits.

Unfounded and unnecessary lawsuits are a part of life for many people throughout the world. We live in a time where it is possible to sue a private citizen, public figure or business for nearly any reason you can think of. When these lawsuits happen, there are a few ways to make them go away. Some companies are using grammar laws as a way to stop lawsuits. How does this work?

Mathematical Laws of Grammar

Everything in the universe is based on math, which is why you spent so much time learning it in school. Our whole world, including communication, can be described in mathematical concepts. Grammar follows a certain set of rules that, when broken, create confusion. From this grammar confusion, mistakes can be made. If you assume something means one thing when it was intended to mean another, nothing good happens. This misunderstanding is fruitful grounds for many a lawsuit. Using the mathematical laws of grammar, a firm could root out the origins of the misunderstanding, as well as the intention behind it.

Using Grammar Laws to Understand Contracts

These lawsuits based in false grammar can be considered unfounded for a number of reasons. First of all, contracts, both written and verbal, require that you understand what you are agreeing to do. If the contract was designed to be intentionally difficult to understand due to false grammar, the lawsuit could be considered unfounded. In this way, detecting false grammar is an excellent way to stop lawsuits from hurting your business and personal life.

If you want to stop lawsuits, one way is to hire a firm that can detect fraudulent grammar. By searching for unacceptable grammar designed to confuse and trick you, they can determine if a lawsuit is false and unfounded. This detection gives you what you need to get out from under unnecessary and ridiculous lawsuits, as well intentionally misleading contracts.


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