Legal Scam Essay

For many years, the American dream has been deteriorating for several reasons. Paul Krugman, author of “Confronting Inequality,” blames the “inequality of our income distribution.” He explains how and why the differences between wages of the poor and wealthy are a major conflict in today's society. Constance M. Ruzich and A. J. Grant, authors of “Predatory Lending and the Devouring of the American Dream,” argue that the downfall of the American dream has occurred because of predatory lending acts. According to the authors, predatory lending and inequality play a very significant role in the corruption of the American dream.

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Professional ethics is one of the most crucial elements of practicing law successfully. Many take this matter lightly, causing them unfortunate career banning outcomes for their behavior or lack thereof. Throughout this paper I will discuss many different areas of unauthorized practice of law, for lawyers and non-lawyer professionals, as well as a historical overview of cases throughout history summarizing these unethical behaviors, and the outcome by our judicial system.

I can remember the conversation as if it was yesterday. While in a grocery store walking in the grocery aisle, I overheard a woman talking to another woman and her husband. The part that caught my attention was the young lady saying, “I can get you the cheese, milk, and eggs with my WIC, and all you have to do is give me the money when we leave the store.” I knew this wasn’t right, so I made sure I was at the check-out counter to see if what I overheard was true. To my surprise, the young woman paid for things using a check like piece of paper and waited for the couple to leave the store. In the parking lot, I witnessed the young lady giving the

     The real estate industry is thriving with approximately sixty-eight percent of all Americans being homeowners. With low interest rates, 1st time home buyer down payment assistance programs, and government funded educational opportunities (i.e. the Home Ownership Center of Greater Cincinnati), the real estate and mortgage lending industries will continue to flourish. However, there are some unethical lending practices that are threatening the housing industry as a whole.

Welfare is intended for families or individuals that are in need of assistance with no or little income. For those who do not know, Welfare funds come from hard working individuals that are required to pay taxes. Now we wonder, are the tax payers’ hard earned money going to the right deserving recipients? Welfare fraud is on the rise in this country. Many are taking advantage of the system taking away the help that is meant for people that truly needed help to provide for their families or people that need assistance until they can stand on their own feet. Statistics clearly show that “785,000 to 1.2 million families are illegally receiving welfare benefits. At the average rate of $11,500 per year, this means taxpayers are being

Across the United States, high school students can encounter a variety of issues that hinder their ability to successfully complete course work to earn the required credits towards graduation. High schools across the United States have an obligation to ensure that students are achieving and receiving a diploma. It is also in the school’s best interest to ensure students are gradating both funding wise and for the overall school rating. When a student does not receive a high school diploma the action affects the student, community and the school. High school dropouts may find it harder to obtain a job that would provide a stable and productive income verses a high school graduate thus, the financial disadvantage in turn can cause

In the article “Me, The Other Scott, And Payday Loans” by Scott Gilmore, the author is furious to find that most people are being drained out of money they don’t have. In my opinion, I agree with the author. I do not think it is right for Payday loans to be tricking people with little to no assets to pay for an amount they cannot pay back. According to the article, annual percentage rate is more than 540, while loan sharks charge double that. Loan sharks will gladly extend the loan for two more weeks, that way they can charge more interest rate. Stan Keyes, the president of the Canadian Payday association argues that “It is unfair to calculate the interest rate this way, since the loans are typically for two weeks. However he concedes that

What must be done to stop this? What can be done? According to an article, “The Great College-Loan Swindle” written by American author and journalist Matt Taibbi for Rolling Stone most adults, upwards of 40 million approximately, are now still living with unpaid college loans circling their heads, it's a price they were willing to pay for a good education. With some people only being able to go to college because of student loans, some take out more than they can afford, and because they are not not able to file for bankruptcy for student loans those loans will most likely follow them forever.

There is a guy that is going down the sidewalk thinking wat to do with his payment of his car but he also needs money to pay his rent of his apartment ,he falls back with his payment and he doesn’t get paid enough to pay back the payments that he needs. People are in depth with loans because they can’t pay them back in time witch how much they borrow there is a percentage that they add on your due date but when it passes they would charge you more than you actually payed. Payday loans are very useful to pay a car, house or rent, but hard to pay back and they shouldn’t have payday loans because they are hard to pay back, people are desperate for money, and payday lenders are taking money out of your pocket to pay them back.

The issue that I have decided to address is welfare abuse. I propose that due to the government’s lack of foresight, welfare recipients have been cashing EBT benefits at ATM machines in California casino’s.

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In 2003, Coleen Colombo joined the California branch of BNC, where she worked as a senior underwriter. The BNC office in which Colombo worked was part of the regional group that offered a considerable amount of loan to its customers. The performance of Colombo in her work was outstanding. This is according to a wrongful termination and harassment suit filed in California Superior Court on her behalf and on behalf of five other BNC employees. The suit states that the work environment began to become hostile for Colombo in 2005 after one of her fellow employees, a male wholesaler,

The perfect fraud storm occurred between the years 2000 and 2002 involving two of the largest energy and telecom corporations in the United States: Enron and WorldCom. It was determined that both organizations fraudulently overstated assets, created assets from expenses or overstated revenues, costing investors billions of dollars and resulting in both organizations declaring bankruptcy (Albrecht, Albrecht, Albrecht & Zimbelman, 2012). Nine factors contributed to fraud triangle creating this perfect fraud storm, and assisting management in concealing the fraud until exposed and rectified.

A business can not work out without an account system, which includes internal. Internal controls are used by companies to make sure financial information is accurate and valid. Strong internal controls are signs of a financially healthy company and protect the company’s integrity. Strong internal controls can also increase a company’s profitability. There are several types of internal controls that companies used to protect themselves such as: Segregation of duties, asset purchases, supervisor review, internal audits and adequate documents and records. This paper will discuss several topics from a case study about And the Fraud