A CALL FOR CAP SPECIALTY TO STOP INSURING PETERSEN DEAN'S REIGN OF TERROR

Cap Speciality is the insurance company behind Petersen Dean's reign of terror. This is a call for Cap Speciality to do the right thing and stop associating with this horrible predator who is clogging up CSLB, PUBLIC COUNSEL, LA CITY ATTORNEY'S OFFICE, LA COUNTY DCBC with victims pleading for help to save their homes from this type of deceptive financing that pretends to be helping vulnerable populations make much needed home repairs but is really only interested in seizing those properties.

Petersen Dean in partnership with Renovate America has perfected a scam that corners the homeowner and only gives them the choice of WHEN they will lose their home. They block any option to keep your home. It is a brutal, heartless scam. It is an extremely deceptive form of financing that does not appear to be regulated like other forms of financing.

You can lose your home a year from the date of the signature of the HERO/RENOVATE AMERICA final document stating that the job was done well and fairly even if it was not....all you get from that contract is ONE YEAR to find an attorney who will take a case that you ruined by signing the contract you were bullied into signing. Ask the FBI to go with you and wear a wire if you are going to accept this deal. I wish I was wearing a wire in the fall of 2016.

Petersen Dean tried to "sweeten the deal" by offering me $2000 to sign the deadly document. $2000 would not cover beginning the repairs to make our home safe to live in, much less the completion of the work, but that was the amount PETERSEN DEAN figured we should sell our house to them for. That was it. $2000 to walk away from the home you paid for. $2000 to walk away from your life with no where to go, no safe place to live. $2000 is not enough to start a new life with after PETERSEN DEAN has taken your home and everything you worked for all your life. They know it is not enough. They tell you "It is better than nothing, isn't it?"

OR

You can REFUSE to sign the untrue document that you know is an unfair scam and PETERSEN DEAN will make good on their threat to speed up the seizing of your home. PETERSEN DEAN will seize your home instead of taking a cut of what RENOVATE AMERICA gets when they seize your home. You can lose you home faster.

You can lose your home in a year to RENOVATE AMERICA via the horrible contract.

OR

You can lose your home faster by PETERSEN DEAN'S abuse of the MECHANICS LIENS process.

Do you want to lose your home with $2000 cash in your pocket and a year to find a new place to live after RENOVATE AMERICA takes your home?


Do you want PETERSEN DEAN to rough you up and take your home immediately via MECHANICS LIENS?

These are the TWO choices PETERSEN DEAN'S men who call you over and over give you. They tell you they are the "nice guys" and you better take this deal, take the $2000, sign, step aside and wait for RENOVATE AMERICA to seize your home.

If I was wearing an FBI wire the information gathered would approximately go like this:

"Don't make PETERSEN DEAN'S legal department mad. You won't believe how horrible they will make your life and how fast they will take your home. Take the $2000, spend the year trying to find a place to stay when RENOVATE AMERICA seizes your home. At least you will have a year to try to save SOME of your belongings and you can focus on getting your son medical care instead of answering to PETERSEN DEAN'S very skilled attorneys. Trust me, you don't want to take them on. I am nice. They will make your life an unimaginable hell. Let us come over. I'll have $2000 in one hand and the document we need you to sign in the other hand.

Take the $2000 and just be glad your son is alive. Think about it. You cannot win. It's too bad. Give your home to the scam your were unfortunate to cross paths with. It happens. You can't stop us.  The LA City Attorney can't save you, they are swamped with victims of this scam. Public Counsel won't be able to find you a pro bono attorney in time. The Mayor of LA isn't going to be able to save you. The State Contractor's Licensing Board is so swamped with these property tax financing scams that your son will be dead and buried for years before they take away PETERSEN DEANS license. They will forget your son died. We will say he was going to die anyway. The CFPB won't be able to save you. All you are doing is starting a fruitless investigation. It won't conclude in time to save your son and we will be off on a new scam once they get this scam on their radar. The CSLB and CFPB will never be able to prove how many elderly and disabled we made homeless. PETERSEN DEAN and RENOVATE AMERICA are above the law, the government agencies are clogged with our cases and we are tap dancing on the graves of people like you. Give up and take the $2000 and try to save your son's life. We know he has been fainting, losing control of his bodily functions, suffering back to back lung infections....take the $2000, sign the RENOVATE AMERICA contract saying none of this really happened and go live in a homeless shelter and focus on saving your son's life. If you love your son, give up you home to us. Sign the contract. You have no choice. Sign the contract. Stop refusing to sign the contract. You are responsible for your son's death if you do not sign this contract. Sign it."

You don't get three choices. PETERSEN DEAN'S attorneys make sure you understand you have only two choices, lose your home later with $2000 in your pocket or lose it now in a more brutal, unimaginably painful way. It is a Catch 22. It is a SOPHIE'S CHOICE. Die in the streets or die fighting the all powerful PETERSEN DEAN legal machine that is practiced at the evil art of wrongful use of MECHANICS LIENS.

It is a no win deal. Petersen Dean and Renovate America do not do this to wealthy Americans. Petersen Dean and Renovate America corner the most vulnerable, the ill, the elderly, people they do not think have a chance of fighting back.

Many grown men at PETERSEN DEAN took turns over many months talking cruel trash to me and my autistic son. It was not business like. I never witnessed a business behave this way before. I asked them to act like other businesses do, to pay the contractor DIRECTLY instead of trying to give me the money to pay the stucco remediation contractor. PETERSEN DEAN needs to give you the cash instead of paying the contractor directly because they think they can use cash as leverage that way. If they pay BUILDING CLEANING SERVICES or MIDA SERVICES or any cleaning service directly, they can't do the whole "meet us alone in your house so we can exchange the cash for the signature" routine. Imaging trying to do that in front of witnesses such as a stucco remediation contractor? PETERSEN DEAN does not want witnesses. PETERSEN DEAN wants to corner an old woman like me and a very ill autistic man like my son who is fighting for his life, alone in their home. PETERSEN DEAN talked trash to us for months to scare us.

The bullies at PETERSEN DEAN would not talk like this to healthy, well to do men. This is disgusting and the world needs to know PETERSEN DEAN is getting rich doing this to a segment of society that doesn't have the resources to survive this sort of attack.

CapSpeciality needs to know they are insuring monsters who prey upon the weak and feed off the hardship of the elderly, ill and disabled. If CapSpecialty continues to insure the BOND of PETERSEN DEAN, they are condoning what PETERSEN DEAN is doing and has done to many ill, elderly and disabled Americans.

CapSpeciality needs to decide if they approve of PETERSEN DEAN'S tax credit scam targeting the poor, disabled, ill and elderly or if they do not approve. Not to decide is to give PETERSEN DEAN the green light to continue mowing down vulnerable people via horrific, cruel scams.

MY AUTISTIC SON WAS IN THE EMERGENCY ROOM FIVE TIMES IN SEPTEMBER 2017

My autistic son James fainted again today. He has been in the Emergency Room and Urgent Care every week the past month. He has been referred to a cardiologist since he was found not to be dehydrated and other causes of fainting were ruled out.

Petersen Dean and Renovate America know they should not be doing this to us. They took away the financing so we COULD NOT PAY THEM, so that the ONLY way they could get paid was to sell our house.

They know James is sick. Petersen Dean discussed my son's illness with me in November 2016 and they used it as leverage to try to manipulate me to sign a document that would have made us homeless and with no legal rights.

Petersen Dean knows the stress they have caused James every day since November 2, 2016 is making him sicker. James has been referred to a cardiologist by the emergency room. James is not able to handle the stress Petersen Dean told us we would be shocked and awed by if we did not sign the documents they wanted us to sign. This amounts to attempted murder in my opinion. Petersen Dean knows full well they are killing my son James. All Petersen Dean and Renovate America offered us was the choice of HOW we wanted to lose our home...by Renovate America seizing it a year from the completion of the job or sooner by Petersen Dean's trumped up abuse of the MECHANICS LIEN process and gaming of the court system. Petersen Dean is very proud of how they have successfully gamed the system in the past and they throw this in your face when they offer you $2000 to walk away from your home if you sign their document or NOTHING. If you stand up to them and refuse to sign a document to lose your home to RENOVATE AMERICA, they make clear to you that they will take your home even sooner than their partner RENOVATE AMERICA.

Petersen Dean knows they do not deserve to be paid, that the amount of damage they caused has far exceeded what I owed them and they did not complete the job or make the repairs. Renovate America knows they were conducting a tax credit scam and they knew they were giving false and misleading information. They know they made our home unsafe to live in. They know we need emergency housing. The way Petersen Dean and Renovate America are behaving, they may have killed people before. They seem very comfortable with destroying lives. Petersen Dean behaves as if they have successfully destroyed many people. I hope the government will be able to find this evidence before Petersen Dean, HERO and RENOVATE AMERICA shred it all.

Petersen Dean seems to think their stolen money is worth killing a few people along the way for. That much is very clear to me from the way both Petersen Dean and Renovate America/HERO spoke to me about my son. Petersen Dean and RENOVATE AMERICA/HERO have taken "Greed is Good" to a terrifying place, "Greed is God. Kill anyone in your way."

I do not say this lightly. Petersen Dean and Renovate America need to be charged with murder if my son does not survive what they are putting him through. They know they filled his lungs with stucco powder. They know they have stressed him every day since November 2, 2016. They know the Mechanics Liens they filed are an abuse of the Mechanics Liens purpose. They know they are stealing time that James needs to recover and get medical treatment by dragging us to court just to lock us into a trumped up no win, Catch 22. This qualifies as attempted murder to wrongfully take possession of a property.

RENOVATE AMERICA AND PETERSEN DEAN ARE PARTNERS IN CRIME

Matthew Monning, National Director of Consumer Sales at PETERSEN DEAN is friends with RENOVATE AMERICA/HERO's Compliance Officer Damon Sherman. They are thick as thieves.
They are thieves.

THE HEAVILY PADDED PETERSEN DEAN CHART

When I found out HERO / RENOVATE AMERICA contractors for Home Depot were charging thousands more for the same door than non HERO / RENOVATE AMERICA contractors, I refused to sign the final documents until PETERSEN DEAN ROOFING AND SOLAR proved to me that I was really getting the $10,000 roof for "free" via my property tax savings.

This is the chart PETERSEN DEAN's National Director of Consumer Sales, Matthew Monning sent.
Upon reviewing the chart with H&R Block it was pointed out that I would be paying three times more for electricity by going solar with PETERSEN DEAN than if I just kept my current arrangement with LADWP (Los Angeles Department of Water and Power).  I would not receive one penny of the savings shown of the chart because I was not in that tax bracket. Also, the figures were shamelessly padded. In a court of law it would be very easy to prove that PETERSEN DEAN padded my electric bill to make it look like I was saving more if I signed off on their deal.

My house payment would go up so drastically in one year that HERO / RENOVATE AMERICA would take my home because I could not afford to pay the balloon they told me my property taxes would pay.

In all correspondence all PETERSEN DEAN cared about any more was getting that signature. The gall of asking for a signature stating that work had been completed when it was not completed didn't seem to strike them as outrageous. Even in letters to CapSpeciality, the insurance for their bond, they complain they didn't get that signature. You are not supposed to get that signature BEFORE you finish the job.

PETERSEN DEAN flew into a childish rage when they did not get the signature that would allow HERO/RENOVATE AMERICA to seize my house a year from the installation, so HERO withdrew their financing so PETERSEN DEAN could file MECHANICS LIENS to seize our home immediately. PETERSEN DEAN began lying to the court, abusing the legal system and complained to their insurance that the senior citizen they usually bury alive before anyone knows it was using social media to cry for help. PETERSEN DEAN was outraged that an elderly person with a very ill autistic son who was in the emergency room over and over and normally would quietly lose their home WAITING in line for help from the overworked Contractors State Licensing Board, the overloaded LA City Attorney's Office, the inundated pro bono attorneys who had more victims of this scam than they could handle....that this little family turned to YELP and TWITTER and BLOGGER to try to survive the "steam roller" PETERSEN DEAN bragged about being.

A WHISTLEBLOWER AT PETERSEN DEAN SENT US THIS LETTER

A whistleblower sent us the following documents. Because I am not an attorney, I do not know the significance of these pages.

I appreciate any help we can get, especially when the whistleblower is afraid for their own safety as this person is.

Ever since November 2, 2016, it has been like my autistic son James and I are downing and often the struggle to stay alive is so difficult and intense that there is barely any energy left to cry, "HELP!".

PETERSEN DEAN has lied to the courts. They will lie under oath. They actually brag that their legal department is lethal. It does appear that PETERSEN DEAN makes more money via their legal department stealing homes than it does by repairing roofs and installing solar.