What is your attorney saying re: your bad faith case?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Thu Nov 15, 2007 4:39 pm   Post subject: ahhhhhhh  

I wouldn't know a good attorney from a bad one... Truthfully, it just seems like everyone is just taking their time doing everything because their worlds haven't been turned upside down like mine. I am tired of explorers stall tactics and demanding stupid information from me threatening that if I don't comply that I won't be cooperating. I want to slap them with a huge lawsuit and get on with it because obviously, if I keep playing their game, we will still be doing this for the next 7 months. The body shop has called the adjuster everyday for the past 2 weeks because they want my car out of there and my finance company has told them that their hands are tied because all of my payments are current so repo is not an option, and the adjuster is never at his desk and won't return the body shops phone calls. Meanwhile, I am now on probation at work because of my transportation difficulties and my heart doctor called me the other day because I am monitered at UCLA 24 hours a day, and there has been an extreme amount of irregularities which has my doctor wanting me to come in ASAP. That is an hour trip from my home and although I have a lot of friends it's just not something you can ask of a lot of people. You know, I was reading an article on bad faith the other day and I couldn't believe what I was reading but it is sooo true...."Insurers along with their attorneys knowingly victimze,use harassment, abusive, squeeze, stall and deny tactics as standard operating procedure to intentionally increase and add overwhelming hardships upon claimants, ultimately with the intent of rendering claimants weak and powerless, many penniless, adversely affecting, devestating and ruining many hundreds of thousands upwards to as many as a million or more lives of claimants, innocent insureds and or family members each year. The intent and objective is to get the claimants to go away without collecting on their claim. These bad faith insurers and their deliberate, despicable, and ruthless actions have the devastating effect of leaving claimants destitute, homeless, ending their lives or ruining their lives as they knew it, forever!" I thought I would share that because until someone has actually gone through it.. you just can't comprehend how awful it is and this article hit it right on the money. It amazes me how inhumane these adjusters and insurance company employees really are that they knowingly do this to people and can still look at themselves everyday in the mirror. Anyways.. like I said, I wouldn't know a good attorney from a bad one but if I got my car back today or tomorrow I think I would just go on with my life just to end all of this havoc.

slim
New member
Leave a quick message



Joined: 12 Oct 2007
Posts: 19


15.39 Dollars($)

PostPosted: Fri Nov 16, 2007 10:08 am   Post subject:   

Oh Justin, I'm so very sorry for you and this stinkin' situation. I've never heard of Explorer insurance company, probably for good reason. I would talk to your attorney ask him if he is well versed in bad faith suits, and if he thinks you have a suit. If not would he refer you to an attorney that is. I dont' know that I have ever recommended to anyone to pursue a bad faith case in 21 years...But you my son, have one in my opinion. Bad faith suits (when won) are HUGE, they are also punitative, not just compensitory. And more times than not settled out of court, (assuming there is just cause), juries don't like insurance companies anyway, and when they hear this little drama played out full with your heart condition, the money tends to fly. I'd bet a dollar if a well organized suit were brought they too would offer settlement out of court. Please Justin consider this, even if they give the car back tomorrow. I think you should let an attorney pursue this for you. After you have considered this and talked to your attorney (even if the car comes back), let us know please.



Ok, gotta warn you most people call me Mama Lori....GET TO THE DOCTOR!!! YESTERDAY!!!!!!

Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Mon Nov 19, 2007 3:59 pm   Post subject: i can't believe it!!!  

update.. got a call from the bodyshop just now and explorer has told them to finish repairing my vehicle and that the check went out on Friday!!! I am sooooooooo excited but am still going to take your advice Lori and I will be calling my attorney this morning to let him know the update and that I am still interested in going after explorer for bad faith. I can't believe it though... 7 months later they finally agree to pay the body shop!!! Thanks so much for the support and advice and I will continue to let you know what the final outcome is.

slim
New member
Leave a quick message



Joined: 12 Oct 2007
Posts: 19


15.39 Dollars($)

PostPosted: Tue Nov 20, 2007 12:21 am   Post subject:   

RazzFINALLY ! Razz I'm so glad! Please do keep us updated, and also check into the bad faith, I really think this company has it coming. I'm glad we were able to help...don't forget to let us know how it's going!
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Sun Dec 23, 2007 2:02 pm   Post subject: I SPOKE TOO SOON  

hi it's me Justin again.. well, a couple of days before the work would be completed on my vehicle and still no check from explorer, the bodyshop called explorer at which time they were told that they sent the check to me. This being yet another lie the bodyshop called explorer back and for the second time.. explorer said that they were refusing to pay for the repairs on my vehicle. This happened on November 23rd. On December 9th, 9 months after filing my claim with explorer, I received a letter from explorer telling me that they were denying my claim based on my non-compliance of providing the documents that explorer has demanded of me. At the euo, I provided 10 out of the 12... and the remaining 2 documents, my original timecard of the night my car was stolen and my phone records for the month of May,2007, were both faxed within the two week time period that the attorney and I agreed upon at the euo. After faxing my phone records, I was then asked to give them the names of the persons whose numbers were on my phone record for the month of May, which I did. Explorer or rather Phillip Flores the claims manager at explorer, states that my attorney and I have ignored all of their letters requesting these documents but I have proof and confirmation numbers of these documents being faxed and received by explorers attorney. The department of insurance final decision was for me to rely on the expertise of my attorney to bring this matter to a successful conclusion. Update on what all of this has done to my personal life... due to limited transportation options for my graveyard shifts at Von's pavilions... I have had to quit my job, because of my heart doctors availability and my transportation options, I still have not been able to reschedule an appointment, and I am still making my car payments faithfully every month for a vehicle that I have no access to. How long does it usually take before cases like mine finally make it to court? Is it a pre-requisite for claims managers to know how to lie? The claims manager at explorer has told more lies with my claim alone than I have ever even thought of telling in my lifetime. The good thing about that is, there are documents proving that they are lying and a couple of their lies even contradict their other lies so I know when this case finally goes before a jury... explorer insurance company will have to own up to their OBVIOUS BAD FAITH ethics. If consumers are going to be obligated by law to carry auto insurance, than insurance companies are going to have to have laws that they too, must abide by. The consumers need to demand that laws be made and followed by insurance companies or we are going to start filling our courts up with bad faith cases, and the consumers who don't have the knowledge, finances, or time to waste fighting... are simply going to lose and our loss is the insurance companies financial gain. Evil or Very MadExclamationEvil or Very MadExclamation

slim
New member
Leave a quick message



Joined: 12 Oct 2007
Posts: 19


15.39 Dollars($)

PostPosted: Sun Dec 23, 2007 2:19 pm   Post subject:   

Quote:
Is it a pre-requisite for claims managers to know how to lie?


No, of course not, but I can understand from your experience how you would feel that way. Most are of high entegrity and character...



What is your attorney saying re: your bad faith case?



btw these cases (bad faith) usually (if good evidence which you have) settle out of court...NO insurance company wants a jury to get ahold of this!
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Wed Dec 26, 2007 11:30 am   Post subject: 9 months of making payments on a car thats not accessible...  

Shocked will make you nuts!! First of all, I owe everyone an apology, especially you Lori, for sounding so childish and generalizing a profession based on the ignorant claims manager that's employed by explorer insurance company. You have really been a great support for me and given me a place to vent this whole situation. I was speaking out of anger and frustration rather than common sense and I know that just because explorer insurance company practices and utilizes bad faith tactics in it's entirety, there are an abundance of insurance companies that won't allow or tolerate this type of scandalous activity.

You know Lori.. the last time I spoke to my attorney was when I received the letter from explorer stating that they were denying my claim on the grounds that I have NOT been compliant to their demands. I was so mad because I know that I have given them every document they requested and I provided the names of every person who's phone number was on my March phone bill. At the EUO, when explorer's attorney stated the REASON my claim was under investigation was because...'the date of the theft on the police report and the date that I gave them on my sworn affidavit was different by a day,' I know that my explanation of working graveyards and beginning work on the 15th and ending my shift on the 16th... should have solved their suspicions. Not to mention that on my sworn affidavit, she asked me,' on what date did you last see or drive your vehicle.... I said the 15th which to me shouldn't be the same as the date on the police report, logically speaking anyways. See how I get sidetracked...lol... anyways, back to my lawyer.. he told me that being this is the second time that explorer has authorized the bodyshop to fix my car and informing the bodyshop that the check was authorized and being sent to them on the day they spoke means that...1.explorer is playing games 2. obviously hoping that I wouldn't make my car payment so that it would become a repossession 3. hoping the bodyshop will lien sale my car 4. and my attorney said that there isn't a jury or a group of 12 people anywhere that would consider 9 months a reasonable amount of time to investigate a claim. The claims manager denied my claim based on the lies that explorer felt they HAD to stick with because of my constant correspondance with the department of insurance, obviously forcing explorer to explain their actions. It should be interesting to see how they are going to prove their lies about me not complying and my attorney not responding to their requests when I have the actual documents with the cover sheets, that were faxed and received by explorers attorney during the dates that explorer has listed on my denial, of me being non compliant to demands. Okay.. I understand that obviously this is going to end up in a court room... but from this point, when approximately will I get my day in court? Here is another question... should I get a loan to at least pay for my car to get out of the bodyshop or will that release explorer from having any obligations to pay for my car? Those are a couple of questions that I haven't been able to ask my lawyer and maybe won't need to if I can find out the answers. Seems like I can't stop typing everytime I start talking about this whole thing... but it's an issue that is not easily discussed with my friends because being 20 years old most of them have never been through any of these things that I have encountered the past 9 months. Thanks again Lori for your help and support...... Justin ExclamationShockedExclamation
slim
New member
Leave a quick message



Joined: 12 Oct 2007
Posts: 19


15.39 Dollars($)

PostPosted: Wed Dec 26, 2007 12:01 pm   Post subject:   

Quote:
First of all, I owe everyone an apology, especially you Lori, for sounding so childish and generalizing a profession based on the ignorant claims manager that's employed by explorer insurance company. You have really been a great support for me and given me a place to vent this whole situation. I was speaking out of anger and frustration rather than common sense and I know that just because explorer insurance company practices and utilizes bad faith tactics in it's entirety, there are an abundance of insurance companies that won't allow or tolerate this type of scandalous activity.
I understand your frustration Justin and your apology is accepted, try and remember that the same profession that you are angry with (rightfully so!) is also the same ones trying to help you (here) ok? ok....now on with it..



Be sure and run this by your attorney hon...but I think yes, you should be able to pay to get your car out without compromising your postition...but please run this by him first! You shouldn't have ANY contact with the carrier at all now that you are attorney rep'd...any contact from them, you should say, 'call my attorney'....also you shouldn't do ANYTHING regarding this claim without making sure it's ok with him...We don't want to screw anything up this late in the game..ok?



Based on all the information you have provided us, and throw in your health problems being made worse by this mess, I see no reason that you should'n't emerge victorious in this bad faith suit, which ''can be'' huge amounts of money...You see bad faith can also carry puniative damages ! Meaning a jury or judge can elect to ''punish'' the insurance company ON TOP of your actual damage and any 'injury' settlement you have coming... And typcially they do, and in a big way...all jurys (let's face it) have a bit of a burr under their saddle for 'big mean insurance companys' taking advantage of the ''little guy'' and when you (again) add your health issues into this, and the fact that you have fully cooperated...personally I think the sky is the limit....BUT.........this can take a long long time, they will likely do their best to 'starve you out', and drag this out as long as possible then try and settle on the court house steps right before it goes to trial...sorry but this is the way these things generally go....



If you have confidence in your attorney, and I think you do...also attorneys LOVE a ''good'' bad faith case, because (as I said) the monetary awards can be huge...I don't want to get your hopes up....but it is true...if you can remain patient!



My advise to you is to stay in contact with your attorney, contact him atleast every 30 days if he hasn't given you a progress report...Do what you have to, to stay solvent yourself. And of course feel free to come and talk to us anytime...also make sure you let us know the status, (i get ''involved'' and ''invested'' in these claims, and kind of a bummer when I/we don't find out the outcome! Crying or Very sad )



Justin, has your attorney mentioned any 'figure' at all? That he will be demanding?
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Dec 28, 2007 9:41 pm   Post subject:   

No, my attorney and I haven't discussed an amount yet... the last time we sat down and had a conversation was when explorer had approved the bodyshop to fix my car, for the second time. The person from explorer that called the bodyshop said that the check was on her desk and she was going to mail it that afternoon. At that point, we thought that explorer was trying to make things right so we didn't discuss any dollar amounts. Not that it should really concern me, but, shouldn't the bodyshop also have some type of lawsuit going against explorer? Afterall, twice now they have authorized the car to be fixed and right before the bodyshop completes the work, explorer backs out of paying... and how can a check be made out to the bodyshop and then there is no sign of that check? What I am asking is... who and where did the check come from originally and who would have the power to stop that check from going to it's intended payee? I have had no choice but to be patient through all of this... 9 months making payments on a car that I have no access to... heck what is 9 more months..lol...

I know that there could be a large amount of money here but like I have said from the beginning... just having my vehicle back would make my life so much easier.

slim
New member
Leave a quick message



Joined: 12 Oct 2007
Posts: 19


15.39 Dollars($)

PostPosted: Fri Dec 28, 2007 9:50 pm   Post subject:   

Quote:
Not that it should really concern me, but, shouldn't the bodyshop also have some type of lawsuit going against explorer?
I was thinking that same thing, if they do buisness with them some, and the adjuster guaranteed payment, well though would just be word against word i suppose that the adjuster did guarantee this payment.......what does body shop say? Other than they can't release the car without payment...you know might not be a bad idea for the body shop (if they can) to file a DOI complaint as well......



Quote:
What I am asking is... who and where did the check come from originally and who would have the power to stop that check from going to it's intended payee?
All companies are different of course, but both I have worked for I (as an adjuster) could easily do this, issue payment then stop pay on the draft and not send it, that's not a big deal to do at all..almost like you writing a check to me leaving it on your kitchen counter waiting to mail then next day deciding not to and tearing it up and removing/scratching it out form your check register...



Quote:
I have had no choice but to be patient through all of this... 9 months making payments on a car that I have no access to... heck what is 9 more months..lol.
Oh, honey, I feel so bad for you...nine months is a loooooooooonnnnnnnnnnnggggggggg time for a young man to make payments on a vehicle he can't drive!



Quote:
I know that there could be a large amount of money here but like I have said from the beginning... just having my vehicle back would make my life so much easier.
I know the idiots....''would've'' being the operative word...it's too late for that now, they can't back up the past nine months! so they will need to pay the price for this irreprehensible behavior...


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Tue Jan 01, 2008 2:16 pm   Post subject:   

Lori.. I can't thank you enough for all of the information and support!!! One more quick question because I am trying to somewhat understand the process ... obviously someone above the adjuster issues the checks from explorer... right..... so, if the adjuster stops the check from being sent who does he have to answer to when I come at them with a lawsuit? Is there a way to go around the adjuster and the claims supervisor because obviously someone from explorer is on my side if there has been 2 checks made out to the bodyshop for the repair of my vehicle... right? I think I will pass the information on to the bodyshop about possibly filing a complaint with the DOI, and for them to start a lawsuit against explorer because it has gone from a 2900.00 repair job, to 25.00 a day storage fee. 9 months at 25.00 a day is NOT my problem!! right??? The owner of the bodyshop feels so bad for me and is so disgusted with explorer that he has promised me that he will not lien sale my car and as long as I keep my payments up to date the finance company can't legally take possession of it either.. right? LOL... okay 3 or 4 more quick questions. You know I really appreciate the information and I am learning from this experience.. that's for sure!!! Rolling EyesTwisted Evil

slim
New member
Leave a quick message



Joined: 12 Oct 2007
Posts: 19


15.39 Dollars($)

PostPosted: Wed Jan 02, 2008 11:39 am   Post subject:   

Quote:
obviously someone above the adjuster issues the checks from explorer... right.....
No, that is not necessarily true...I (as an adjuster) issue all the drafts on the claims I work myself...all adjusters have some 'draft authority' or claim authority that allows them to issue payments up to a certain dollar amount (generally speaking)...all companies work their own way though...but on your claim it would be my guess that the adjuster issued payment...



Quote:
so, if the adjuster stops the check from being sent who does he have to answer to when I come at them with a lawsuit
Well, this is more than just 'issueing a check' the adjuster some how changed their mind and denied (again) the claim.....I seriously doubt they would've done that without it going past a manager/supervisor. Most companies would have to have a supervisor of some sort review a claim for coverage denial...for this very reason...(bad faith)........so they (i would think) have someone over them that ok'd that........if not their a bigger moron that we already thought...no way in the world would i have pulled this payment back without having a supervisors 'tracks' in that claim...who they will answer to (adjuster and that claims branch manager) will be the VP of claims probably......ultimately...i would think they both have a good chance of lossing their jobs and they should....



Quote:
Is there a way to go around the adjuster and the claims supervisor because obviously someone from explorer is on my side if there has been 2 checks made out to the bodyshop for the repair of my vehicle... right?
Well you could just keep climbing the ladder, you ask the adjuster to talk to his/her boss, then ask that guy, who is your boss, and so on....



Quote:
I think I will pass the information on to the bodyshop about possibly filing a complaint with the DOI, and for them to start a lawsuit against explorer because it has gone from a 2900.00 repair job, to 25.00 a day storage fee. 9 months at 25.00 a day is NOT my problem!! right???
yes they should file a complaint...or suit...re: the storage etc...it is and it isn't your problem...if the shop will not release your vehicle without ALL of this being paid then your paying for the repair is moot right? If they won't release it till the storage is also paid....(hopefully they will let you have it if you decide to pay the bill .... and pursue this ins company for the storage).



Quote:
The owner of the bodyshop feels so bad for me and is so disgusted with explorer that he has promised me that he will not lien sale my car
I'm glad about that.....
Quote:
and as long as I keep my payments up to date the finance company can't legally take possession of it either.. right?
correct...they have no claim to your vehicle if your payments are current....



Quote:
Lori.. I can't thank you enough for all of the information and support!!! You know I really appreciate the information and I am learning from this experience.. that's for sure!!!




Truly my pleasure...ask anything any time and we'll try and help....be sure and keep us updated!


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Jan 04, 2008 4:25 am   Post subject:   

I am following this story and sure would be interested in knowing the outcome. I do hope you get compensated for all you have been through as you should be .I hope they pull that insurance company up too by the seat of their pants!

hummingbird
Senior member
Leave a quick message



Joined: 04 Dec 2007
Posts: 609


3.57 Dollars($)

PostPosted: Tue Jan 08, 2008 7:21 am   Post subject: UPDATE  

Okay... now I am just getting more and more confused.. is this a game that explorer plays or is this what they consider, 'normal procedure' when it comes to handling claims? This morning, I got a call from my attorney's office telling me that I needed to come in asap and make some necessary changes to the statements I made under oath to explorer, about a month after my car had been stolen. Remember... the question that I was asked by explorer was, 'the date I last saw my vehicle... I said May 15,2007.' Since I worked graveyard my car was actually reported stolen on May 16,2007 and at my EUO, I was told by explorer's attorney that my claim was being so thoroughly investigated because of this one day discrepency. My attorney told me today that he has been going rounds with explorer's attorney because she keeps demanding more and more ridiculous documents or should I say explanations upon explanations. After I submitted my cell phone records for the month of May, I was then told that I needed to put the names of the persons whose numbers were on my bill. Neatly written, next to each number that I recognized, a name was printed next to the number. Well, according to explorer's attorney, my attorney should have known better than to submit that to her.... IT WAS RETURNED ON THE BASIS THAT IT WAS NOT LEGIBLE AND UNLESS MY ATTORNEY TYPED THE NAMES AND NUMBERS, I would not be cooperating or complying with explorer's demands giving explorer legal ground to deny my claim. Remember also that I received a letter from explorer's claim's manager, at the beginning of December stating my claim had been denied because my attorney had not responded to three demands made by explorer during the month of November. Anyways, today I did NOT make any changes because I answered the question correctly and at the EUO, I gave a detailed explanation as to why I said the 15th and WHY the police report says the 16th. Correct me if I am wrong but I am NOT going to start changing my story to better satisfy explorer's attorney or anyone else at explorer..... the truth doesn't change. Just because they obviously have all become very good liars and manipulators doesn't mean that I am going to become like them or play by their rules. It is amazing that this insurance company still wants to play such ridiculous games and have NO remorse for the fact that I HAVEN'T HAD A VEHICLE FOR 8 MONTHS!!! The bodyshop has contacted the DOI in regards to explorer and this whole ordeal, and they have also started a lawsuit of their own. I just hope that by the time this is over, explorer will NEVER have the opportunity to do this to anyone else and their punishment will be severe enough to remind them constantly that there is NO future OR financial gain for a company that handles claims with bad faith tactics.

slim
New member
Leave a quick message



Joined: 12 Oct 2007
Posts: 19


15.39 Dollars($)

PostPosted: Tue Jan 08, 2008 12:23 pm   Post subject:   

Quote:
now I am just getting more and more confused.. is this a game that explorer plays or is this what they consider, 'normal procedure' when it comes to handling claims?
I don't know, I think they are just hopelessly inept, frankly.......



Quote:
I needed to put the names of the persons whose numbers were on my bill.
I found this a little over board when you first mentioned it, and honestly felt it was more of a...''if we can get him to do some of our work then we will'' type thing.....they could've got those numbers themselves...or for pete's sake call it! stupid...



WAIT!
Quote:
Well, according to explorer's attorney,
where did you get this information? Have YOU been talking to their attorney? cause you shouldn't be! all communication should be going thru your attorney first, then he to you!





Quote:
IT WAS RETURNED ON THE BASIS THAT IT WAS NOT LEGIBLE AND UNLESS MY ATTORNEY TYPED THE NAMES AND NUMBERS, I would not be cooperating or complying with explorer's demands giving explorer legal ground to deny my claim.
This is/was a stall, and a poor attempt (in my opinion) to try and cover their own tails....



Quote:
Correct me if I am wrong but I am NOT going to start changing my story to better satisfy explorer's attorney or anyone else at explorer..... the truth doesn't change
EXACTLY....you fully explained (did you not) more than once the 'date problem' right? and as to the names could anyone of average intelligence, (or a judge) make out CLEARLY the names you provided?



Quote:
It is amazing that this insurance company still wants to play such ridiculous games
"I" think that what they are trying to do now is cover cover cover their butts...in any way shape or form they can come up with...bad faith claims (as I've said) are really really expensive and bad for a carrier....
Quote:
and have NO remorse for the fact that I HAVEN'T HAD A VEHICLE FOR 8 MONTHS!!!
We established a long time ago their lack of empathy, this does not surprise me in the slightest.....



Quote:
The bodyshop has contacted the DOI in regards to explorer and this whole ordeal, and they have also started a lawsuit of their own




THIS THRILLS THE SOCKS OFF OF ME!



Quote:
I just hope that by the time this is over, explorer will NEVER have the opportunity to do this to anyone else and their punishment will be severe enough to remind them constantly that there is NO future OR financial gain for a company that handles claims with bad faith tactics.
I agree and hope so too..



Listen, what does your attorney say about all of this? re: the phone number/names, and all the other things they are now requesting? What is his advise to you? He surely doesn't allow you to have any 'direct' contact with them at all does he?


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
 Previous  1, 2, 3, 4, 5, 6  Next  
Page 2 of 6


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused