• Report: #699493
Complaint Review:

Ripoff Report | Law Office of Andrew P. Lehman

  • Submitted: Thu, February 24, 2011
  • Updated: Wed, July 01, 2015

  • Reported By: LegalLass — Los Angeles California United States of America
Law Office of Andrew P. Lehman
9663 Santa Monica Blvd. Ste. 766 Beverly HIlls, California United States of America

Certified Forensic Loan Auditors "CFLA" TRUSTED BUSINESS REVIEW: CFLA is dedicated to 100% customer satisfaction. Certified Forensic Loan Auditors has implemented strategic changes to insure clients success, focusing on finding ways helping clients search for new opportunities effectively even in challenging market we face today. All 50 States! Certified Forensic Loan Auditors, Bloomberg Securitization Audits, Quiet Title Packages, State Bar Approved Continuing Education Courses, and Auditor Training Certification Classes
*UPDATE: Certified Forensic Loan Auditors Executive Resources pledges to always resolve any issues, feel safe, confident & secure when doing business with Certified Forensic Loan Auditors, Recognized by Ripoff Report Verified™ as a safe business service

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REVIEW UPDATE August 4 2016: Certified Forensic Loan Auditors remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Certified Forensic Loan Auditors is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.

To date, Certified Forensic Loan Auditors has made good faith efforts to resolve all complaints reported on Ripoff Report. Based on our experience, the member business has proven to be among the top members of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business™.

Over time and since becoming a member, Certified Forensic Loan Auditors has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Certified Forensic Loan Auditors remains committed to improving customer satisfaction.

Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.

Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!

*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com
 Certified Forensic Loan Auditors is Ripoff Report Verified

Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..

Ripoff Report Verified™ REVIEW:

EDitor’s UPDATE: Positive rating and recognition has been given to Certified Forensic Loan Auditors for its commitment to excellence in customer service.

Ripoff Report’s discussions with Certified Forensic Loan Auditors have uncovered an ongoing commitment by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. Certified Forensic Loan Auditors listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

Certified Forensic Loan Auditors' principal, Mr. Andrew Lehman, J.D., has informed us that his personal philosophy is that his clients are a precious resource. As a successful businessman and Entrepreneur, Mr. Lehman feels it is critical to listen to his clients and respond properly. By always putting his customers first, Mr. Lehman hopes to maintain Certified Forensic Loan Auditors as a successful enterprise both now and for many years to come.

Another top executive of the company told Ripoff Report that Mr. Lehman's personal business philosophy is based on the premise that "strives to add value in its services as they understand that a successful business model is based on value-added services, and client care”. Certified Forensic Loan Auditors's mission statement says it all: "Our goal is to provide our clients the best quality, value and professional excellence in the industry.” One of the other things Ripoff Report learned in the course of its investigation is that typical customer feedback reads: “Certified Forensic Loan Auditors (and Mr. Mark Buchine COO) truly communicate all aspects of the report in a timely and effective manner. We are very pleased with the responsiveness that he and his employees show us. They are serious about meeting commitments, and deliver on all their promises.”

The information provided in this report below is based on comments made by Andrew P. Lehman, JD, during an on-site inspection held by a third party verification company with no biases toward Certified Forensic Loan Auditors.

Certified Forensic Loan Auditors is a business to business litigation support training provider. The business is also a litigation support service and continuing educational provider approved by the State Bar of Texas, Hawaii, Nevada, New York, New Jersey, Florida, California, Georgia and Connecticut. Leads are acquired in a number of ways, including via the company’s website, newsletters, press releases, blogs and articles. “The typical [customer] experience would be a phone call or e-mail correspondence, after which the company would start an account, obtain financial payment information, sign a wholesale agreement, and begin the process for their client,” explains Andrew P. Lehman, JD, a representative of Certified Forensic Loan Auditors. The sales process involves the signing of the wholesale agreement and then a document submission, and concludes with an analysis of the documentation.


At times, clients who feel they are not satisfied with the training they received or services provided to them. “Clients received three day training and were not satisfied with the knowledge due to not being able to retain or grasp the information and put it into its correct use,” explains Mr. Lehman. “The client is allowed to retake the course at no additional charge or at a small additional fee, depending on the circumstance.” The refund policy offered by Certified Forensic Loan Auditors states that if the class has been completed in its entirety and exams have already been taken, background check completed, then generally there is no refund. However, this is not an extremely common complaint, and generally, customers are satisfied once the team at Certified Forensic Loan Auditors works with them on re-taking the course.

After a complaint is resolved, the team continues to follow up with that customer to ensure they remain satisfied and to see if there is anything else they can help with. “[We] follow up to see if the client needs help with job placement or opportunities with other companies, and also with their own company. The company also tried to evaluate to see if additional training is needed in the company’s multi-level tier training program,” explains Mr. Lehman. In order for instructors to teach a class, they must be certified through the tier 1 and tier 2 training, which takes 40 hours of classroom training, passing both exams with a 90% or higher grade, as well as having completed 100 expert reports. Instructors and graduated must also agree to the CFLA Code of Ethics.

There have been numerous complaints posted to Ripoff Report regarding the company’s general business practices. In response to these complaints, Mr. Lehman states, “Only 2 of the 7 complaints were actual clients. The other 5 were former employees, or competitors. Additionally, the company has contacted real clients and offered refunds in spite of the original policy of no refunds. The company maintains an A+ rating with the Better Business Bureau nationally, despite having numerous complaints because of the way the company responds to them.” Since receiving complaints through Ripoff Report, Certified Forensic Loan Auditors now has an individual responsible for consumer complaints and dispute resolution with a background in human resources and management, rather than going through the company’s general counsel.

Mr. Lehman and the team at Certified Forensic Loan Auditors recognizes the value of working with Ripoff Report and the Corporate Advocacy Business Remediation and Customer Satisfaction Program, and the platform it provides for business and customers to interact and resolve issues. “It means a commitment to honoring the highest level of customer service and accountability to their client base nationwide,” states Mr. Lehman.

CERTIFIED FORENSIC LOAN AUDITORS / Statements from the owner.

"My name is Andrew P. Lehman, J.D. and I am the Managing Member of CFLA / Certified Forensic Loan Auditors, LLC I would like to thank you for taking the time to review CFLA. CFLA is recognized throughout the United States of America as the Leading Experts in Mortgage Securitization and Training. As founders and creators of this industry, CFLA has long set the bar for what to expect in an Auditing Company. Mr. Lehman's staff of Certified Auditors, Licensed Attorneys, Officers, and Employees are committed to continue to grow this entire industry and uncover hidden trade secrets to expose Banking Institutions of Predatory lending and Mortgage Fraud.”

Since opening their virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. But as the company continues to grow, they are careful to hold true to the original vision. At CFLA, putting the law within reach of millions of people is more than just a novel idea—it’s the founding principle.

Certified Forensic Loan Auditors Auditing team is led by Michael Carrigan, CFA, MBA. Mr. Carrigan has testified as an Expert Witness on multiple occasions and in multiple jurisdictions. Mr. Carrigan is involved in the product development process at Certified Forensic Loan Auditors. With his background as a Licensed Securities Broker and years of experience in Residential Mortgage Audits, he is also the lead instructor in the Industry Renowned Mortgage Securitization Auditor Training Certification class and has personally trained more than 500 Auditors on this process.”

Certified Forensic Loan Auditors takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this: "Certified Forensic Loan Auditors provides a very positive environment to work. Opportunities for suggestions and improvements are encouraged. "Mr. Lehman is truly concerned about employee's contribution to the company and providing growth opportunities for them," says Production manger Melanie Paree.. He takes the time to listen and communicate with employees and customers." Ripoff Report was pleased to learn that Certified Forensic loan Auditors past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.

What’s with all the Jerseys on the wall?

"The 'shirts on the wall' are actually officially licensed NFL / NBA or MLB Authentic Jerseys, some of which were actually worn and/or autographed by the athlete themselves.

I was raised a fan of professional sports. Prior to my Birth my Grandfather Jim and his Brother Jim Adam Wisniewski were professional athletes in the 1950's. When I was merely 4 years old my Uncle Leo Wisniewski (My Mom's Brother), was drafted in the 1st round by the Baltimore Colts and played there for several seasons. In 1988 his Younger Brother Steve Wisniewski, was drafted by the Los Angeles Raiders, and he played for 12 seasons In 2010, my first cousin Stefen Wisniewski was drafted by the Oakland Raiders and has played there as a Star Center up to the present. My family has a history of professional athletes that spans 3 generations and it is a part of the foundational discipline that helped me achieve where CFLA has become today!

Most of the Jerseys and Autographs on our wall are from Family members and friends that have stared in professional sports. CFLA is actively engaged in Sponsoring local Youth Athletics teams, as well as having our own Softball and Flag Football teams. Additionally, at CFLA we also often times will have brackets and fantasy football activities that encourage college and professional sports viewing and it helps break the monotony of the hard grind at work.”


"Certified Forensic Loan Auditors, LLC "CFLA" is committed to customer satisfaction. Offering 12 month guarantee on all findings in our Audit Reports or Updates are FREE. Our Mortgage Securitization Auditor Training Certification Class is Nationally Recognized with more than a Thousand Executive Level Graduates of this program since 2009. Our Commitment to customer satisfaction is the reason that we joined Ripoff Report's Corporate Advocacy Program. We are committed to resolving complaints by our customers and providing the highest level of expertise in the Foreclosure Defense Industry. Our Team of Certified Auditors and Attorneys provide comprehensive Forensic and Securitization Audits as well as full service litigation support services, Expert Witness Testimony in Court, Auditor Training, and Attorney Continuing Education Training on issues ranging from Foreclosure Defense Strategies, Quiet Title, Mortgage Securitization in Litigation, Bankruptcy in Litigation, Contract Law Disputes, and the Uniform Commercial Code on Secure and Negotiable Instruments. CFLA also offers free services to members, including, a Forms Database for use in Court, Cutting Edge Newsletters, Attorney Blogs, Webinars on Mortgage Securitization to Sharpen our Auditors in their Trade, and Free Attorney Referrals to Homeowners in all 50 States.”

Certified Forensic loan Auditors recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report’s Investigation Certified Forensic Loan Auditors has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

In summary, after our investigation, which included discussions with Mr. Lehman and many of his past and current associates, Ripoff Report is convinced that Certified Forensic Loan Auditors is committed to quality delivery of services resulting in total client satisfaction.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.

For more information on Certified Forensic Loan Auditors, please click the links below:








Law Office of Andrew P. Lehman Andrew P. Lehman Beware Andrew P. Lehman Unlawfully Advertising Himself as an (((REDACTED)))! Beverly HIlls, California

NOTICE: About the Report below.

Ripoff Report (((REDACTED))) offending words and false accusations/statements because we found what was posted to be completely false.. If the posting was true, there would have been legitimate proof or some sort of documentation. Ripoff Report was not sent any evidence for the claims the author of the Report below made. As a matter of policy, when a business joins Ripoff Report Corporate Advocacy, Business Remediation and Customer Satisfaction Program, .. Ripoff Report always emails everyone that filed a complaint so the member business could make things right with them…  our program calls for the member business to err on the side of the customer. (everything within reason)  It is our opinion, the Report below is bogus. Ripoff Report had a 3rd party verifier inspected the offices of Certified Forensic Loan Auditors who was found to be a qualified and legitimate business with the credentials and experience supporting this fact. If Certified Forensic Loan Auditors was that bad, Ripoff Report would have many more negative Reports about them from real customers. Why? because Certified Forensic Loan Auditors have been listed on Ripoff Report at the top of search engines since 2011. If Certified Forensic Loan Auditors was a bad company, more customers would have posted comments or filed new Ripoff Reports. Take the report below with a grain of salt. If anyone can send us supporting evidence, please let us know. support@ripoffreport.com

Beware Andrew P. Lehman Unlawfully Advertising Himself as an (((REDACTED)))!

Andrew P. Lehman is not (((REDACTED))) with the (((REDACTED))) yet advertises ‘Law Offices of Andrew P. Lehman' at 9663 Santa Monica Blvd. Ste. 766, Beverly Hills, CA 90210, telephone 310-598-5936' at these links:
and http://da.lacounty.gov/feedback.htm#feedback 

His advertising conveys the impression that a licensed (((REDACTED))) works in that office.  Anyone can confirm for themselves that Mr. Lehman is in fact NOT a licensed (((REDACTED))) by going to this link to the (((REDACTED)))Member Directory and typing in ‘Andrew P. Lehman’:


Anyone can see for themselves that The Los Angeles County Office of the District (((REDACTED))) link shows that what Mr. Lehman is doing is illegal. The Unauthorized Practice of Law Manual is at: http://da.lacounty.gov/pdf/UPLpublic.pdf?zoom_highlight=unauthorized+practice+of+law#search=


California statute §6126 Unlawful practice or advertising as crime

(a) Any person advertising or holding himself or herself out as practicing or entitled to practice law or otherwise practicing law who is not an active member of the State Bar, or otherwise authorized pursuant to statute or court rule to practice law in this State at the time of doing so, is guilty of a misdemeanor punishable by up to one year in a county jail or by a fine of up to one thousand dollars ($1,000), or by both that fine and imprisonment.

(b) California courts have found the practice of law in circumstances including:
-Merely “holding oneself out” as a licensed attorney by a layman or suspended attorney, even if no actual legal services are rendered (Farnham v. State Bar (1976) 17 Cal.3d605)

False Advertising (Bus. And Prof. Code §17500 et seq.)

Also, any non-attorney who advertises or holds himself or herself out as a lawyer or as practicing law violates California’s false advertising statute, Business and Professions Code section 17500.

The untrue or misleading statements under section 17500 can take the form of affirmative misrepresentations or indirect deception by statements or inferences which omit material facts necessary to avoid misleading the consumer. For instance, use of the statement “Law Offices” in advertisements, without any further clarification about whether anyone employed in the business is fact a licensed attorney, may convey the impression that a licensed attorney works in that office.

The California Supreme Court has declared:
“[w]here, in the absence of an affirmative disclosure, consumers are likely to assume something which is not in fact true, the failure to disclose the true state of affairs can be misleading” and thereby a violation of the law. (Ford Motors Dealers Association v. DMV (1982) 32Cal.3d 347, 363-364)

Anyone can see for themselves that Mr. Lehman’s online advertising of himself renders him guilty of both the unauthorized practice of law and false advertising--both misdemeanors. The false advertising violation itself is punishable by a fine up to $2500 and by up to six months in county jail. The civil remedies under section 17500 (and the Unfair Competition Law) are potent, and may be even more effective than criminal sanctions in certain contexts.

I have read the other posts regarding Mr. Lehman's also advertiseing his business called ‘Certified Forensic Loan Auditors’ which states that it is ‘Attorney Operated’ at the following links, among others:

http://www.merchantcircle.com/business/CERTIFIED.FORENSIC.LOAN.AUDITORS.LLC.310-432-6304 and http://www.skepter.com/cat37-other-classes/page_4.html

Telephone calls placed to Certified Forensic Loan Auditors requesting the names and (((REDACTED))) license numbers of the ‘(((REDACTED))) Operators’ have proved unsuccessful. If anyone obtains this information, it should be posted for consumers, because Mr. Lehman (((REDACTED)))himself as an (((REDACTED))) with a law practice when he is not even an (((REDACTED))) licensed to practice law in California (or anywhere else, as far as our search can determine). 

Even a quick viewing of Mr. Lehman’s LinkedIn (the business network) profile proved to be troubling.  It advertises in the category of ‘Legal Services’ and the ‘Education’ section displays painfully obvious misleading academic information. Any consumer holding even a high school diploma knows a person must obtain a lower degree, such as an (AA/AS (Associate’s level) or BA/BS (Bachelor’s level) degree as a prerequisite to obtaining an MBA, MA, MS, or any other Master’s Degree.

YET--Mr. Lehman advertises that he obtained an MBA despite listing no Associate’s or Bachelor’s level degrees. He also advertises that he holds a Juris Doctorate (JD) from Southwestern University School of Law after attending it from 2002-2004. WHOOPS!  Not only is it unheard of for the majority of even the most able-minded of law graduates to obtain a JD (law degree) in less than a minimal 2.5-3 year period, full time, but a simple check of that law school confirms that it does not offer (nor has it ever offered) a two-year legal studies program leading to a JD . That school confirms that Andrew P. Lehman attended that school from August 2002-May 2004 and that he did not graduate.

Anyone reading rebuttals Mr. lehman posts can see he never actually answers to anything, and he seems unable to ever back up what he does say.  It's used-car salesman-level fluff, and it suggests that in his eyes people are not worthy of being dealt with honestly.  All he ever says in rebuttal is that someone is not following orders or that someone is a competitor.  So, let's get this straight Mr. Lehman.  Distributing facts is just a lot of trouble-making isn't it?  Maybe you won't think so when the authorities catch on with you, fine you, and toss you in (((REDACTED))).  Maybe you won't.  But people are smarter than you think they are, and most smarter than you because most people wouldn't lie so foolishly and expect to get away with it.  It's time to contact the (((REDACTED))) folks!

This report was posted on Ripoff Report on 02/24/2011 02:04 PM and is a permanent record located here: http://www.ripoffreport.com/reports/law-office-of-andrew-p-lehman/beverly-hills-california-90210/law-office-of-andrew-p-lehman-andrew-p-lehman-beware-andrew-p-lehman-unlawfully-adverti-699493. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Click Here to read other Ripoff Reports on Andrew P. Lehman

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Updates & Rebuttals

#1 Consumer Comment

CA State Bar Admonishes Lehman

AUTHOR: Liz - (U.S.A.)

 While Mr. Lehman may be entitled to his own opinion, he is not entitled to his own version of reality when it comes to the statements made at RipOff Report.  I welcome the opportunity to present public access to the factual basis substantiating any and all claims I've made regarding Mr. Lehman and/or CFLA, and to the lack of factual basis upon which his response statements are made.

I first 'blew the whistle' on  Mr. Lehman for advertising himself as an (((REDACTED))), which he has denied in posts at this site, and even under oath in a complaint he filed in a California Federal Court. His complaint may be accessed and read by going to this link:
Once there, scroll to the bottom of the LinkedIn profile of our company to view these pdf files:


You will see that in fact the (((REDACTED))) has warned Mr. Lehman about his (((REDACTED))).  This is the SAME Andrew P. Lehman who owns CFLA and is according to him its Managing Member and Sole Shareholder.
Any questions?

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#2 REBUTTAL Owner of company

RETRACTION ~ Author of Report ~ Information was false and must be removed

AUTHOR: Ms. Robinson - (United States of America)


The information contained in this report is the subject of a Federal Lawsuit for defamation which is fully and finally resolved.  I hereby retract all statements in this report in their entirety as they have no factual basis and are completely UNTRUE.

The information contained in this report is the subject of a Federal lawsuit for defamation which is fully and finally resolved.  I hereby retract all statements in this report in their entirety as they have no
factual basis and are completely UNTRUE.

The information contained in this report is the subject of a Federal
lawsuit for defamation which is fully and finally resolved.  I hereby
retract all statements in this report in their entirety as they have no
factual basis and are completely UNTRUE.

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#3 UPDATE Employee


AUTHOR: Ms. Robinson - (United States of America)

I will not address this complaint as it is baseless and completely
untrue.  Mr. Lehman is a very well respected and incredible person to
work for.  He always encourages employees and is a great motivator.  He
even has helped myself and others with personal loans and he prays with
his executive staff regularly.  He is a role model in his community and
among his associates.

As far as CFLA we are the Nation's Leading Experts in offering mortgage
Securitization Services and training, I believe the following testimonials speak for themselves.

Excellent information! The tracking of assignments, very thorough. Instructors knowledge of these securitization processes are very strong. CFLAs commitment is very strong to students and to excellence.

Carl L. W (Class on 07/22)

Although I have prior experience of 20 years of Mortgage Banking and
Real Estate, this class has given me a comprehensive edge over the average attorney and ultimate foreclosure defense! Thank you for taking me to the top.

Kartika K Class on 06/10)

I really enjoy the class. I met a lot of professionals and made strong connections. I feel fortunate to come across this class, from my
classmate. I would recommend this class to anyone moving forward.

Wook C(Class on 06/10)

This was an amazing seminar that gave me the knowledge to help Homeowners to fight for their Rights against greedy bankers and mortgage companies.

Saul G (Class 06/10)

Had a great time with the class and instructors, class was informative and I would recommend it to anyone who wants to learn more about Mortgage Securitization

Ellen R (Class 06/10)

Learn as much as you can. Think outside the box and be analytical.
Learning this will allow you to be helpful to the community as well as
society. Enjoy the fact that we are here to help. If I can help just
one person to stay in their home I have done society a world of good

Lakeisha R. B (Class 06/10)
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#4 UPDATE Employee


AUTHOR: CFLA, LLC - (United States of America)

Person making this Report is subject to a Judgment for Defamation, Slander, and several other Torts in the Federal District Court Central District of California CASE NO. CV 11-03848 CAS(FFMGx).  All of the above referenced information was MALICIOUS, UNTRUE, and MADE TO HARM TO BUSINESS INTERESTS & EXCELLENT REPUTATION OF CFLA. 
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#5 REBUTTAL Owner of company


AUTHOR: Certified Forensic Loan Auditors, L - (United States of America)

I wish these idiots would go away and quit harassing me with
this non sense, but apparently they have nothing better to do.

Were you ever my clients?  Did you retain my services? NO- NO

Than what are you talking about?

This Andrew Lehman is not practicing Law in California, nor does he have a law
practice in California.

Andrew Lehman does not even live in the State of California.  you have the wrong Andrew P Lehman.

Whichever websites these people are referring to are not controlled by me or my

That being said, this is more waste of my time.

THE PERSON'S MAKING THESE ridiculous claims, just an FYI to other business
people out there-

JACOBSON because when you fire them, they will harass you over and over and
over again over menial sums of money...

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