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This is a case about intent. Did she intend to defraud the bank when she said this would be a second residence? And, was it illegal for her to rent it out? That is a very heavy lift for the prosecution. This took place over a period of five years. And, she rented this property to her niece. Also, this is concerning only 18,000 dollars. Not at all a large amount of money. Prosecutors would rather use these resources to prosecute others who took far more money.Litisha James not only lied on her loan, she also lied on her insurance policy about the house being personal use only, but she told the truth on her taxes and her pre-employment form, that establishes a pattern of intent to defraud.
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