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Author: Danielle Antosz

  • ‘We just want some law and order’: South LA residents say trash fires, dumping, masked gunmen and nearby encampments are making life dangerous — and they want the state to do more

    Residents of LA’s South Bay community say they are fed up with dumping, trash fires and rising crime in their neighborhood — issues they claim are directly tied to nearby homeless encampments.

    The area sits at the intersection of multiple jurisdictions, including Union Pacific Railroad, Caltrans, the state of California and the city of Los Angeles. That overlap has made it difficult to determine who’s responsible for addressing the growing problems, but locals say they’re hopeful that Governor Gavin Newsom’s new ordinance targeting homeless encampments will finally be a solution.

    "We just want some law and order," local business owner Caesar Verdin told reporters.

    "Everyone pays their taxes. California is one of the most expensive states to live in and we feel like our tax money should be coming up with solutions instead of the problems getting bigger."

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    Residents concerned with fire, dumping and crime

    "It’s pretty lawless out here," Verdin told Fox 11 reporters. "Kids aren’t allowed to go outside on their own without adult supervision."

    Verdin’s family has owned and operated the local business for more than 40 years. He says things have gotten significantly worse in recent years.

    A recent report from the Los Angeles Fire Department seems to back up his claim. The department says that people experiencing homelessness (PEH) have been involved with at least 500 trash fires in the area since January 1st, 2025, according to Fox 11 News. The department noted a 475% increase in rubbish fires from 2014 to 2024 and while not all incidents are directly tied to homeless encampments, many are.

    The local Watts Fire Station told Fox 11 News that “easily” 95% of the fires they respond to are homeless-related. Under the 105/110 freeway interchange alone, more than 1,000 fires have been recorded this year.

    But fires aren’t the only concern. Masked gunmen recently rolled up in the area with AK-47s. Graffiti is also an issue and locals say that violent crime and illegal dumping have also escalated. Dave Matthews, a community activist, says bizarre, large-scale dumping has also been an issue.

    "We have 400 pounds of pork shoulder marinating on Figueroa and 127th that was dumped overnight. And then on Saturday, we had 1,000 pounds of pork ribs dumped on the street."

    The nearby railroad tracks have also become dangerous. In a recent tragic incident, a woman lying on the tracks had her leg severed by a train that was unable to stop in time.

    "And then a homeless person actually took the leg into an encampment," said Matthews, who found the limb.

    Locals are hopeful that Governor Gavin Newsom’s new model ordinance related to homeless encampments will finally bring peace to the area.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Governer Gavin Newson’s new ordinance aimed at reducing encampments

    The Public Policy Institute of California reports that the population of unhoused people in the state is estimated at 187,000, or 24% of the estimated total in the country. Moreover, two in three of these have no shelter at all. The ballooning issue of homelessness in the state is said to be one Governor Gavin Newsom hopes to shrink in time for a presidential run in 2028.

    The area where many of the fires and illegal dumping are taking place — described by Fox News as an “8-square mile danger zone” — is unique in that small sections of land owned by the city, state and private railways all intersect with each other. Responsibility for the area and enforcement on it has become a hot potato, making it easier for illegal activities to take place and encampments to thrive.

    In May, Gov. Newsom unveiled a model ordinance urging California cities to take quicker action to address unsafe or illegal encampments and connect unhoused residents with services.

    While cities aren’t required to adopt it, the ordinance provides a framework to restrict “persistent camping” in a single location and to prevent encampments from blocking sidewalks and public spaces. It also encourages jurisdictions to provide notice and make a reasonable effort to offer shelter before clearing an encampment.

    The rollout was paired with the announcement of $3.3 billion in grant money for facilities to treat mental disorders, including substance abuse. According to ABC 7 News, cities may be required to comply with the ordinance to access this funding.

    However, homeless advocates say punitive measures don’t work and the ordinance is not enough. Carolyn Coleman, executive director and CEO of the League of California Cities, says most cities already have similar ordinances. To solve the issue, they need money to address the root causes of homelessness, such as lack of housing.

    For residents of South LA, the issue feels urgent. Fires, violent crime and hazardous dumping have become part of daily life and the complex tangle of jurisdictional responsibility only makes matters worse.

    While Newsom’s proposed ordinance has brought hope, many locals say real change will only come with enforcement — and the political will to fund lasting solutions.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Disgraced ex-CEO of addiction treatment provider facing charges for $149M fraud now has detox center running out of his California home — neighbors say it’s ‘despicable’ it’s been allowed

    Disgraced ex-CEO of addiction treatment provider facing charges for $149M fraud now has detox center running out of his California home — neighbors say it’s ‘despicable’ it’s been allowed

    Sovereign Health Group, once one of the country’s largest addiction treatment providers, shut down in disgrace in 2018 — but former CEO Tonmoy Sharma appears to be back in business.

    As NBC4 Los Angeles reports, a detox and mental health facility called Dana Shores Recovery has opened in a home Sharma owns in San Juan Capistrano, a city in Southern California. The facility pays $10,000 a month to a business registered in Sharma’s name.

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    That leaves neighbors, addictions treatment advocates and at least one family whose son took his life at a Sovereign Health Group facility shocked.

    “I think all of the neighbors are really concerned,” one neighbor told NBC4 Los Angeles, noting that it is also of concern that a full-blown business is now operating 24/7 in a residential neighborhood.

    Laurie Girand, a driving force behind Advocates for Responsible Treatment in San Juan Capistrano, goes further.

    “This is completely despicable,” Girand said to NBC4. “How is it that the State of California, knowing everything it does know about Tonmoy Sharma, and about his history of Sovereign Health is allowing him to continue to profit off businesses that are related to addictions treatment or mental health?”

    Addictions treatment scandal

    This May, Sharma was arrested in connection with an ongoing federal investigation into the now-defunct Sovereign Health Group.

    He faces charges of wire fraud, conspiracy and $21 million in illegal kickbacks for patient referrals in connection with the now-defunct Sovereign Health Group. If found guilty on all counts, he faces up to 35 years in prison.

    Sharma’s former business is alleged to have submitted $149 million in false claims to private insurers.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    These allegations have yet to be proven in court. But in 2022, Health Net Insurance won a $45-million fraud judgment in a suit against Sharma and Sovereign Health, as the Orange County Register reports.

    Meanwhile, Rose and Allen Nelson — who lost their son Brandon to suicide at Sovereign’s San Clemente facility in 2017 — settled with Sharma’s insurer for $11 million in 2024. They say they were lied to about the services the facility would provide.

    "It was marketed as, ‘He will have 24/7 oversight of psychologists, a house manager, psychiatrists would come in. They’d have group therapy,’” Rose Nelson told NBC4. “Nothing was provided…it was all lies.”

    Lack of licensing standards

    That Dana Shores Recovery could open in Sharma’s home despite his history shows a lack of licensing standards around mental health and addictions treatment, Girand argues.

    "There are virtually no standards,” she said. “No fingerprinting, there’s no review of criminal history. There’s nothing that will protect vulnerable individuals from being preyed upon.”

    She’s joining state legislators in calling for better oversight. California State Assemblymember Laurie Davies has introduced a number of bills designed to protect vulnerable families from predatory treatment facilities.

    If passed, these bills would set standards for licensed and certified treatment programs and increase transparency of state investigations into complaints around those programs.

    “These are common-sense measures that go straight to addressing the health, recovery, and safety of vulnerable patients,” said Davies.

    It’s a start — but critics say the system remains dangerously open to abuse.

    How to choose a legitimate treatment center

    With limited state oversight, families often bear the burden of vetting mental health and addiction recovery centers themselves. Here are a few steps that can help protect you or your loved one:

    • Check licenses and certifications. Verify the facility is licensed and has a clean track record.
    • Research the staff. Be wary if the facility doesn’t list the names or qualifications of its counselors and medical professionals. Legitimate providers are transparent about who’s on staff.
    • Watch for red flags. Vague answers, pushy intake staff, or promises of “miracle cures” all indicate shady operations. If it sounds too good to be true, take the time to dig deeper.
    • Get payment details in writing. Make sure any claims about cost coverage are spelled out clearly in writing and verified with your insurer.
    • Look up reviews and complaints. A web search, like this, can reveal lawsuits, disciplinary actions, or concerning patterns. Read both positive and negative reviews to get a balanced picture.

    For many families, the stakes couldn’t be higher. People entering treatment are often at their most vulnerable, and they deserve care from trustworthy professionals, not profiteers.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • California hotel guests awarded $2 million in bed bug lawsuit — they said the 1-night stay left them scarred, seeking medical treatment. How to protect yourself from bed bugs while traveling

    California hotel guests awarded $2 million in bed bug lawsuit — they said the 1-night stay left them scarred, seeking medical treatment. How to protect yourself from bed bugs while traveling

    Two men expecting a relaxing beachside stay ended up in a nightmare. They were “massacre[d] from bed bug bites” during a one-night hotel stay in Ventura, California, according to a lawsuit.

    The duo worked with lawyer Brian J. Virag of My Bed Bug Lawyer, Inc. to file the lawsuit in December 2021. A Ventura county jury recently sided with the pair, awarding them a total of $2 million in damages.

    The Los Angeles Times reported on the verdict, calling it what “may be one of the largest known bed bug-related jury awards.”

    Here’s what happened.

    Forced to seek medical treatment

    Alvaro Gutierrez and Ramiro Sanchez booked a week-long stay at The Shores Inn in February 2020 but claimed they left after a single night due to a severe bed bug infestation. After the initial room was found to have bed bugs, the men were moved to another room, where the biting continued.

    According to their complaint obtained by USA TODAY, both men suffered “painful bed bug bites, severe skin rash, allergic reaction, scarring and personal injuries over the entirety of their bodies.” They also said they were forced to seek medical treatment.

    The lawsuit alleged that the hotel staff were aware of the infestation due to online reviews on Google and Yelp, but failed to resolve the problem.

    “The bed bugs latched onto the plaintiffs while they slept, sucked their blood until they were gorged, and resisted eradication,” the lawsuit claimed.

    USA TODAY says Gutierrez was awarded $400,000 for pain, disfigurement, grief, and emotional distress, while Sanchez received $600,000 for similar injuries. In addition to compensatory damages, the jury awarded each man $500,000 in punitive damages to hold the hotel accountable for its alleged negligence.

    The Shores Inn did not respond to media inquiries from USA TODAY or the Los Angeles Times. An appellate attorney recently hired by the hotel owners, Wendy Lascher, told the Times that they were considering appealing the decision, or moving for a mistrial or new trial.

    There are also concerns over juror conduct, according to the report. A note found inside one of the notebooks given to jurors suggests that jurors had been near the hotel during the trial and states that one told other jurors that the hotel was “an eyesore & should be tore down.”

    This is far from the only bed bug lawsuit. In April, tourists filed lawsuits against the Luxor hotel and the Treasure Island hotel in Las Vegas over this problem, reported KSNV.

    In a 2017 report, pest control company Orkin said almost half of all hotels have been the subject of litigation because of bed bugs, which according to their research cost, on average, $17,177 per incident.

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    How to avoid bed bugs at hotels

    While there’s no federal law requiring hotels to be free of bed bugs, most states and cities have health and sanitation codes that prohibit vermin or infestations. For example, Ohio’s code states, “No bedding which is infested with vermin or bedbugs shall be used on any bed in any hotel.”

    Bed bug exposure during travel is relatively common due to the number of guests in hotels, explains Allan Bossel, operations expert and professional bed bug exterminator at BBE Bed Bug Exterminator in Tampa Bay, Florida.

    “Large international events are the perfect opportunities for bed bugs to find new areas full of viable hosts,” he told Forbes.

    However, if a hotel fails to address known infestations or provide adequate care after a complaint, guests may have grounds for legal action.

    Here’s a practical guide on how to avoid bedbugs — and what to do if you find them.

    • Read reviews before you book: Check for recent reports of bed bugs or sanitation issues. A one-off complaint may not be a red flag, but repeated mentions are a concern.
    • Inspect the room before unpacking: Place your luggage in the tub or shower and check the bed. Look for reddish stains, tiny black dots, or live bugs near the seams of mattresses, headboards, chairs, and drawers.
    • Notify the hotel immediately: If you think your room has bed bugs, leave and notify the hotel as soon as possible. Hotels should act quickly to resolve the issue or reassign you.
    • Preserve evidence: Take photos of any visible bugs or bites. Save receipts for treatments and document interactions with hotel staff.
    • Treat your belongings: Wash and dry all clothes on high heat. If that’s not possible, seal items in plastic bags until they can be treated.
    • File a report: If the hotel fails to respond, contact your local or state health department or the state’s consumer protection office. Consider leaving an online review to warn other travelers.

    As this case shows, hotel guests have legal options if a property fails to address a known bed bug infestation, especially when management was previously informed and failed to act.

    “Evidence of negligence may include records of prior complaints, inadequate cleaning practices, or failure to inspect and treat rooms regularly,” says Shiner Law Group. “Negligence can also be established if the hotel or motel did not follow standard industry practices for pest control.”

    While many lawsuits settle out of court, this case sets a clear precedent, especially when victims allegedly suffer medical issues.

    If you’re considering legal action, consult with an attorney who specializes in premises liability, personal injury, or bed bug lawsuits.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • ‘It’s a big win’: Florida’s Ron DeSantis signs 2 new laws to stop squatters from taking over hotels, restaurants and businesses — but is squatting really that big of an issue in the US?

    Florida Governor Ron DeSantis recently signed two new laws protecting commercial property owners from squatters.

    These laws are part of the state’s broader effort to crack down on unauthorized occupancy and strengthen private property rights.

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    Florida passed legislation to help homeowners deal with squatters last year. But the new measures extend similar protections to business owners, including those who operate hotels, motels, restaurants and retail storefronts.

    “It’s a big win for the hotel industry, hospitality industry as a whole,” Gil Reyes, regional general manager for the Westin Sarasota, told Fox 13 News. “We are excited about this bill and what it does. It protects the hotels and innkeepers.”

    How the new laws protect commercial property owners

    Senate Bill 322 speeds up the process for removing squatters from commercial properties. It also gives law enforcement more authority to act quickly, allows owners to recover their spaces without long legal battles and safeguards against financial losses and property damage caused by squatters.

    At the same time, Senate Bill 606 specifically targets the hospitality industry. It clarifies that guests can’t claim residency after overstaying their welcome at hotels or food establishments, helping prevent drawn-out disputes that previously tied the hands of business owners.

    One recent case in Sarasota highlighted this challenge. A woman refused to leave the Westin Sarasota, despite causing disturbances in both the pool and dining area.

    “She had a lot of erratic behavior …. We asked her to leave. She kept coming back,” the hotel manager said in Florida Cop Cam footage. But the situation escalated to the point where police were called in.

    The new laws aim to make situations like that easier to resolve, without the need for weeks of legal wrangling or uncertainty.

    Governor DeSantis framed the legislation as a defense of economic stability and property rights.

    “You’re either paying or you’re not and if you’re not, it shouldn’t evolve into some major landlord-tenant dispute … I think this is something that will be really good for our economy. Property rights are really important. If you don’t have private property rights, you cannot have a free society,” he said at a press conference.

    State Representative Peggy Gossett-Seidman, who helped push the issue forward, added, “They run under the radar, because we didn’t have the teeth in the statutes to try and remove them in all cases.”

    Sarasota County Sheriff Kurt Hoffman agreed, noting the disruption caused by unauthorized occupants.

    “Those folks are trying to make money, pay their employees, pay their rent. Many times we would come in there and find the facilities destroyed,” he said at the press conference. “Having that language in there that defines what ‘transient’ is makes it easier for my deputies to go out and get these folks out.”

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Is squatting a true issue?

    While squatting has made headlines in states such as New York and California, its true scale remains unclear. According to an informal survey by the National Rental Home Council (NRHC), cities in Georgia, Florida and Texas have more squatters than any other metro areas.

    The survey reported 1,200 squatters in Atlanta, 475 in Dallas-Fort Worth and around 125 in Orange County, Florida.

    While there may be little documentation proving the exact number of occurrences, viral videos and high-profile incidents have played a big part in sparking a wave of legislation.

    “Some people will make the argument that this is a very rare occurrence. But I think if it happens once or twice, it’s unacceptable,“ New York Democratic State Sen. Jessica Scarcella-Spanton once said. “Just seeing the cases that we’ve seen over the last couple of months in the news is reason enough to move forward with legislation.”

    Florida joins a growing list of states taking legislative action. New York, Alabama and California have each proposed or passed bills to curb squatting, especially when it affects homeowners or small landlords. Still, some housing advocates worry the laws could be misapplied.

    There’s the potential for new laws to be interpreted incorrectly and be applied to legal tenants who can’t make rent, which could actually worsen housing insecurity — which is a valid concern.

    Even so, Florida’s new laws reflect mounting public pressure to act and the desire among lawmakers to respond swiftly.

    What to read next

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • I’m 31, locked in a great mortgage rate of 4.75 % when I bought my home 2 years ago, paying $1,000/month, all-in. Now, my boyfriend wants to buy a place together. Should I buy a second home?

    I’m 31, locked in a great mortgage rate of 4.75 % when I bought my home 2 years ago, paying $1,000/month, all-in. Now, my boyfriend wants to buy a place together. Should I buy a second home?

    A 31-year-old homeowner has found herself in a common modern-day dilemma: Should she stay put in a home she owns (with a great mortgage rate) or take the next step with her partner and buy a second home together?

    Understandable if she didn’t want to sell — she’s owned her home for less than two years, the mortgage is locked in at 4.75% and her monthly payment, including taxes and escrow, is only $1,000. It’s a hard deal to walk away from.

    But her boyfriend is ready to buy and move forward with their relationship. Now, she’s left wondering: Would it make more financial sense to rent out her home, co-buy a new place or sell and start fresh?

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    If you’re in a similar situation — balancing homeownership with a new relationship (and the potential of increasing your real estate costs), here’s what to consider before making your next move.

    Factors to consider before buying a home with a partner

    Purchasing a second home is a big financial commitment that requires careful consideration. Take the time to assess the practical implications before you take the plunge. Here are a few questions to help you determine if buying a second home aligns with your financial and personal goals.​

    Is the relationship solid?

    Purchasing property with a partner is a big commitment. Unmarried couples should consider a cohabitation agreement, similar to a prenup, to outline ownership shares, financial responsibilities and procedures in case of a breakup. This legal document can help prevent disputes and protect both parties’ interests.​ But, if you have any misgivings about the relationship, purchasing a home together is not likely the best course of action.

    What happens if you do get married down the line?

    Women, in particular, should think carefully about maintaining financial independence when entering joint property ownership. If marriage is on the horizon, consider how that might affect ownership of the home. Do you plan to have children? If so, how might that impact your income and your ability to contribute to mortgage payments? Having these conversations now can help you determine if it’s a good idea.

    Is renting worth it?

    Turning your current home into a rental can offer passive income and long-term equity growth. However, it also introduces landlord responsibilities, potential vacancy risks and tax implications. Run the numbers before going this route. Assess the local rental market to determine if the potential income outweighs the costs. If you’re considering a management company, make sure you can afford it.

    Do you have enough savings?

    Owning two properties requires financial planning — and a strong financial standing. Ensure you have at least a six-month emergency fund, sufficient funds for a down payment and reserves to cover potential vacancies or maintenance issues in your first home. Lenders often require higher reserves for second homes, so assess your financial readiness carefully.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    How to prepare and protect yourself when buying a home with a partner

    In some cases, it might make sense to buy a second home with a partner you aren’t married to. If you decide to take this route, here are a few steps to help reduce the risk and protect your financial future.

    1. Discuss financial goals and responsibilities

    Before house hunting, have an open conversation about your financial situations, including income, debts, credit scores and long-term goals. Decide how expenses like the mortgage, utilities and maintenance will be split.​ Talk about what will happen if you do break up.

    2. Decide how you’ll hold the title

    When purchasing property together, the most important step is deciding how the title will be held. The two main options include:​

    • Joint Tenancy: Both partners have equal ownership, and if one passes away, the other automatically inherits the deceased’s share.​
    • Tenancy in Common: Each partner owns a specific share of the property, which can be unequal. Upon death, the deceased’s share doesn’t automatically go to the surviving partner but is distributed according to their will or state laws.​

    Choosing the right ownership structure is crucial, especially if either partner has children or other heirs. Consult with a real estate attorney to ensure your ownership structure works for your situation.

    3. Plan for the future

    Consider how life changes — like marriage, children or career moves — might affect your living situation. Discuss plans for refinancing, selling or renting the property in the future. Regularly revisit your agreement to ensure it still aligns with your circumstances.​

    Buying a home with someone is a big step — both financially and emotionally. By being open, communicating clearly and putting agreements in writing, you can help protect your relationship and your financial future.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Maryland homeowner fighting to reclaim his property after a family of squatters moved in using fake Instagram scam — but they’re demanding $5K to leave. What’s behind this troubling trend

    Maryland homeowner fighting to reclaim his property after a family of squatters moved in using fake Instagram scam — but they’re demanding $5K to leave. What’s behind this troubling trend

    A Maryland homeowner, who asked to only be identified by his first name, Pete, says squatters are demanding $5,000 to vacate his home after gaining access to the property through a fraudulent Instagram rental scheme.

    ABC 7 News reports that two adults and two children had moved in, changed the locks and gave police a signed “Squatter Lease Agreement Addendum,” a document investigators say is part of a larger fraudulent rental scheme, and one that Pete knew nothing about.

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    The purported squatters allegedly told officers they paid $1,500 to a woman they met on Instagram who claimed she could get them a house in any area they wanted. All they had to do was pay a one-time fee — no rent, no lease, no questions asked.

    Organized criminal networks are exploiting homeowners through fake online listings

    According to dispatch audio and police reports obtained by ABC 7, officers were called to Pete’s property on May 29 after a realtor noticed signs of forced entry.

    The BCPD report states that “a realtor attempted to show the property to a prospective renter when he noticed shavings on the ground of the front door entrance, the lockbox to the property missing, and the locks changed.” Police noted visible damage to the basement door consistent with forced entry.

    According to police reports reviewed by ABC 7 News, the male occupant at Pete’s home admitted he knew what he was doing was wrong — but said he felt he had no other option. He reportedly claimed the individual told him the real homeowner might eventually show up but he’d have the chance to “work something out” when that happened. In some cases, however, renters don’t know they are entering into a fraudulent lease.

    Baltimore County Police say this isn’t an isolated incident. The same Instagram account that connected these squatters to Pete’s home has been mentioned in at least two other squatting cases in the area, including one in Windsor Mill and another in Baltimore City.

    Just days later, a similar scene unfolded in East Baltimore. According to ABC 7 News, a man with active warrants was found living in a taxpayer-funded, newly renovated home meant for first-time buyers. Police said he appeared to have fallen victim to the same social media squatter scam and was later arrested following a standoff. The property owner, developer Joanna Bartholomew, said she discovered the unauthorized occupants just as the home was about to be finalized for sale. She called for immediate legal reforms to hold those behind the scam accountable.

    Baltimore County State Delegate Ryan Nawrocki says these cases show a troubling trend: coordinated squatting scams that operate like organized crime. “We have people who are doing this time and time again, and we know who they are. It’s no different than any other criminal network that we would normally hold very seriously accountable,” he told ABC 7.

    Law enforcement struggles to prosecute squatting scams

    As these scams grow more common, authorities say the legal system is struggling to keep up. Baltimore County State’s Attorney Scott Shellenberger says these scams are difficult to prosecute because they often involve two sets of victims: homeowners, and tenants who believe they’ve found a legitimate place to live.

    “You have a victim who signs a lease and gets ripped off—and you have a property owner who loses control of their home,” Shellenberger said. His office is pursuing charges when possible, but he says that criminals are finding ways to commit crimes that states lack laws to address.

    Some states, like Florida and California, have begun passing laws to protect property owners from these situations.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Tips for homeowners: How to protect your home from squatting scams

    Realtor.com suggests that homeowners can try to protect their property from squatters with security measures, such as:

    • Secure vacant homes: Use security cameras, check the property frequently and alert neighbors if your property is unoccupied.
    • Make the home look occupied: Timed lights, security signs, planters and even children’s toys can make it look like someone lives in the home.
    • Report tampering immediately: If locks are changed or signs of forced entry appear, notify police right away. The longer squatters stay, the harder it can be to remove them.
    • Screen for your property online: Monitor real estate and social media platforms for listings using your address without your consent. Consider setting up an alert for your address that will notify you if anything about your address is posted.
    • Consult a property attorney: Eviction and trespass laws vary by state, and laws are constantly changing. You may need legal help to remove unauthorized occupants.

    Tips for renters: How to avoid a fake lease

    For those looking for a place to rent, Experian provides tips on how to avoid falling for a bogus listing:

    • Don’t trust listings from social media: Scammers prey on desperation. If it seems too easy or too cheap, it probably is.
    • Tour the property: This will prove the person offering the home has access. While it’s not foolproof, it’s another step that can help protect you.
    • Verify the landlord’s identity: Ask to see ID, ownership documents or work through a licensed realtor.
    • Watch for red flags: Cash-only payments, no background checks, lease agreements with vague or unusual language or being told to change the locks yourself indicate something isn’t right.
    • Check the property’s status: Use county records or real estate platforms to confirm if it’s actually available for rent and who owns it. If the home is for sale or lists an owner other than the person you spoke with, walk away.

    Squatting scams like this are growing more common and more sophisticated. Pete’s story is a warning for both homeowners and renters: in the age of online scams and fake listings, protecting your home, or finding one, may require more vigilance than ever.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • ‘A thief and a liar’: Lawyer Tom Girardi sentenced to 7 years for stealing more than $25M from the victims he represented to fund the career of his estranged Real Housewives star wife

    ‘A thief and a liar’: Lawyer Tom Girardi sentenced to 7 years for stealing more than $25M from the victims he represented to fund the career of his estranged Real Housewives star wife

    Disbarred attorney Tom Girardi, 86, was sentenced to seven years and three months in prison for embezzling millions from former clients, according to NBC News.

    The former husband of the Real Housewives of Beverly Hills and a high-profile lawyer was once celebrated for his role in the landmark 1993 lawsuit against Pacific Gas and Electric Co.—the case that inspired the Oscar-winning film Erin Brockovich, starring Julia Roberts.

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    "This self-proclaimed ‘champion of justice’ was nothing more than a thief and a liar who conned his vulnerable clients out of millions of dollars," said U.S. Attorney Bilal Essayli.

    In addition to prison time, Girardi was ordered to pay $2.3 million in restitution and a $35,000 fine. His lawyers argued he was mentally unfit to stand trial due to Alzheimer’s disease, but a federal court ruled he was competent.

    How his victims were impacted

    Girardi was convicted of four counts of wire fraud in August 2024. Prosecutors said he stole tens of millions of dollars in settlement funds from clients over a decade. Victims included people who suffered severe burns, widows of accident victims and families of those killed in high-profile disasters, like the 2018 Lion Air crash that killed 198 people.

    He often misled clients, telling them their settlement money was delayed due to tax issues, debt obligations or the need for a judge’s approval.

    "Girardi sent lulling communications to the defrauded clients that, among other things, falsely denied that the settlement proceeds had been paid and falsely claimed that Girardi Keese [lawfirm] could not pay the settlement proceeds to clients until certain purported requirements had been met," said the U.S. Attorney’s Office for the Central District of California in a news release.

    According to Business Insider, one client was awarded $53 million in a settlement after a 2010 natural gas pipeline explosion in California caused severe burns. They ultimately received just $2.5 million.

    Prosecutors said Girardi diverted more than $25 million from his law firm’s operating account to EJ Global, a company created to fund the entertainment career of his now-estranged wife, Erika Jayne, a star on Bravo’s Real Housewives of Beverly Hills.

    Jayne, 53, has denied any involvement and was dismissed from a related lawsuit in 2022. She filed for divorce in 2020 after the allegations surfaced and has maintained she did not know about her husband’s crimes.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Hiring a lawyer? Here’s how to protect yourself

    Girardi wasn’t just any lawyer — he was one of the most prominent personal injury attorneys in the country. That’s what made his fraud so devastating. But there are still ways to protect yourself when hiring a lawyer, no matter how impressive their resume is.

    Red flags to watch out for:

    • Lack of transparency: If a lawyer avoids sharing documentation or gives vague answers about your case, that’s a warning sign.
    • Payment delays: Once cleared, settlement checks should be disbursed promptly. Unexplained delays are cause for concern.
    • No written agreements: Always get a written retainer agreement that outlines fees, responsibilities and expectations.
    • Pressure tactics: Be cautious if a lawyer pushes you to make decisions without giving you time to understand your rights.

    Even savvy clients can still be taken advantage of. If you suspect fraud or misconduct, here’s what to do:

    • Request documentation: Ask for a detailed breakdown of your settlement and where the money went.
    • Check the bar association: Make sure the lawyer is licensed and review any disciplinary actions through your state’s bar association.
    • File a complaint: Every state has a grievance or disciplinary board. In Ohio, for example, grievances are filed with the Ohio Bar.
    • Hire a second lawyer: If something doesn’t feel right, get a second opinion.

    Even a seasoned, high-profile attorney can betray their clients’ trust. Staying informed, asking questions and knowing your rights can help you avoid becoming the next victim.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • 47% of Florida households don’t make enough to cover the basics — and a growing number of them are 65 and up. Why seniors in the Sunshine State are struggling on a ‘survival budget’

    47% of Florida households don’t make enough to cover the basics — and a growing number of them are 65 and up. Why seniors in the Sunshine State are struggling on a ‘survival budget’

    A new report from the United Way’s ALICE project reveals a troubling 47% of Florida households don’t earn enough to cover basic living expenses.

    ALICE stands for “asset-limited, income-constrained and employed” and refers to households that are above the poverty line but earn less than what the organization says is needed to afford the basics depending on household composition and location. This includes housing, child care, food, transportation, health care and technology, plus taxes and a contingency fund that equals 10% of a household’s budget.

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    The report, which focuses on data from 2023, says the average “survival budget” in Florida ranged from $33,804 for a single adult up to $86,688 for a family of four with two adults and two children in child care. Of the state’s nearly 9 million households, 13% lived below the federal poverty line while 34% were considered ALICE. The poverty line in 2023 was $14,580 for individuals and $30,000 for a family of four.

    In some areas, the “survival budget” was much higher. Monroe County, for example, was among the most expensive places, with necessities costing single adults $45,948 and two adults with two kids in child care $106,608.

    How are families coping?

    The ALICE classification shines a spotlight on households who may earn too much to qualify for traditional aid programs but not enough to meet the rising cost of living. This includes Florida’s senior households, which make up the largest portion of this group by age.

    “More and more households 65 and older are now classified as ALICE,” Ernest Hooper, Chief Communications Officer at United Way Suncoast, told ABC Action News in a story published May 19. “They’re living paycheck to paycheck and not saving money.”

    That includes people like Leonora Gaspar, who’s disabled and on a fixed income. She relies on organizations like Feeding Tampa Bay for some free meals.

    “It helps a lot,” she told ABC Action News. “The rent, it’s more expensive.”

    Other residents in need pointed to skyrocketing food costs.

    “I’m spending at least $300 to $400 just on food,” Felicia Acosta told ABC Action News. She says her husband died last year and she provides for her three grandchildren.

    Florida’s high cost of living compounds the issue. As of May 9, Insure.com ranked Florida’s cost of living at 9.35% higher than the national average.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Help your family make ends meet

    Compared to other states, Florida’s cost of living is on the higher end. For families struggling to close the gap, here are some practical steps:

    Call 211 for local help: United Way operates a free 211 hotline that connects people to local nonprofits, food assistance, childcare programs, rent relief and more.

    Apply for benefits: ALICE households may still qualify for support like SNAP, Medicaid for children or subsidized child care. Don’t assume you’re ineligible or that others need it more — these programs exist to help families.

    Revisit your housing options: If you’re renting, consider renegotiating your lease or exploring income-based housing programs. Housing is often a family’s single biggest expense — and the hardest to change — so start there. If possible, consider sharing housing with extended family or friends to reduce expenses.

    Cut food costs without sacrificing nutrition: Shop at local markets, consider bulk stores and use community food pantries as a supplement when needed. If you have children in public school, ask the school social worker about additional food and support programs.

    Build toward financial security: Even saving $10 or $20 a week in a high-yield savings account can provide a buffer. You can also track your spending and find areas to trim.

    Connect with mutual aid groups: Some neighborhoods have hyper-local support networks where community members share resources like gently used clothing, extra food, school supplies or household goods. Search online or on social media for a group near you.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • This Chicago couple was locked out of their home for a month after a strange woman moved in her family, pet dog — and they nearly had to take the squatter to court to get their home back

    This Chicago couple was locked out of their home for a month after a strange woman moved in her family, pet dog — and they nearly had to take the squatter to court to get their home back

    Marcia and Carlton Lee’s month‑long property nightmare on Chicago’s South Side is finally over.

    The couple have reclaimed their vacant house — one they’re trying to sell — after police arrested and removed a stranger who moved in with her family, with paperwork to suggest she owned it.

    "I knew the ID was fake," Marcia told ABC 7 Chicago. “I knew the documentation was fake. I’m just super excited that they finally got her out."

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    The woman in question — Shermaine Powell‑Gillard — now faces a stack of felony and misdemeanor charges.

    The Lees have to clean up a mess of trash and some minor damage in the home before they put it back on the market, but they’re just grateful to have it back.

    "It brings peace to my household," Carlton said. "That’s what I need."

    Why it took four weeks for the stranger to vacate

    The Lees’ trouble began in early April, when they arrived at the vacant property to show it to a realtor and prospective buyer and discovered a woman who introduced herself as “Stacy” living inside.

    She presented mortgage documents and photo ID that, at first glance, appeared legitimate. Officers called to the scene treated the confrontation as a civil dispute and said they lacked the authority to remove her.

    Illinois law requires property owners to evict squatters under the Forcible Entry and Detainer Act, a process that can drag on for months.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Frustrated by the situation, the Lees approached ABC7 for help. Marcia noted that on the supposed mortgage documents the woman presented, the property PIN matched a different home.

    Following media coverage, police revisited the evidence and concluded the ID and mortgage file were indeed fakes.

    Officers escorted Powell‑Gillard out of the home and charged her with forgery, burglary, obstructing identification, and criminal trespass. She has since been released and is awaiting her trial.

    The Lees have boarded up every window and door of their vacant home to make sure they don’t have to deal with a repeat of the situation.

    Meanwhile, Illinois state representative La Shawn Ford is looking to change the existing eviction legislation so owners don’t have to go through the Forceable Entry Act and go to court to evict squatters.

    Under his proposed law, police could remove a squatter as soon as the legitimate homeowner can prove they own the home. The Illinois Senate has passed the bill but it awaits a House vote.

    Protect your vacant property from squatters

    Reports of squatting are on the rise across the United States, though it remains relatively rare.

    Experts say that a tight housing market, slow civil courts, and social-media how-to guides have emboldened squatters.

    Until legislation catches up, here are a few practical safeguards to protect your own vacant property:

    Get surveillance cameras

    Install cameras in secure, difficult-to-reach places. If a squatter claims a legal right to the home, footage can prove they broke in and move the case from civil to criminal court.

    Ask neighbors to keep an eye out

    Talk to your neighbors and let them know the home is vacant. Ask them to call or text you if they see anyone at the house so you can take action quickly.

    Remove or replace lock boxes

    If you’re using a lock box for realtor access, make sure it has a hard-to-guess code. For example, don’t use 1234 or the street number. Consider installing a keypad lock, which can have longer codes, or leaving the key with a property manager instead.

    Consider the pros and cons of for-sale signs

    While signs can help sell or rent your home, they also let squatters know a house is empty. If you’re worried about squatters, consider sticking to online listings.

    And if squatters do move in? Get the police involved and turn over as much information as possible. Don’t take matters into your own hands — you could wind up with legal trouble of your own.

    Hopefully, legal reforms will give homeowners across the U.S. more power to remove squatters. Until then, preventive measures remain your first and best line of defense.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Cole Schmidtknecht, 22, died after the cost of his asthma inhaler jumped from less than $70 to over $500. Now, his parents are fighting to change the system they say let their son die

    Cole Schmidtknecht, 22, died after the cost of his asthma inhaler jumped from less than $70 to over $500. Now, his parents are fighting to change the system they say let their son die

    When 22-year-old Cole Schmidtknecht went to Walgreens to refill his asthma inhaler in 2024, he was shocked to learn that the price had jumped from less than $70 to more than $500, according to NBC News. The preventative inhaler Cole’s doctor prescribed him, Advair, was no longer covered by his insurance. Cole left with only a rescue inhaler — the kind used to stop an asthma attack in progress, not prevent one.

    Five days later, Cole had a severe asthma attack, stopped breathing and collapsed. According to his family, he suffered cardiac arrest and died due to his asthma. The rescue inhaler was found empty, next to his bed.

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    Now, Cole’s parents, Bil and Shanon Schmidtknecht, are suing Optum Rx, the pharmacy benefit manager (PBM) that dropped the inhaler from coverage, and Walgreens, the pharmacy that they say didn’t offer alternatives or alert his doctor. They believe the system failed their son, and they’re pushing for legislation to prevent other families from facing similar tragedies.

    Cole’s family pushes for policy changes

    Today, Cole would be 24 years old. Instead of celebrating milestones in their son’s life, his parents are trying to change what they say is a dysfunctional system where medication prices can change overnight and without warning.

    According to NBC News, their lawsuit alleges that neither Cole nor his doctor was notified and that Walgreens failed to help him find a temporary solution. Cole left the store with only a rescue inhaler, not meant to manage a serious asthma condition long term.

    “It’s not broken. It’s designed to work this way. It’s just hurting us,” Bil Schmidtknecht told NBC.

    The family is also calling for legislation that would require at least 90 days’ notice before a medication is removed from a health insurance formulary — the list of drugs that insurance plans cover.

    In a motion to dismiss the lawsuit, Optum Rx expressed “its deepest sympathies” but said federal law bars the lawsuit from proceeding in state court. NBC reports that the company also claimed that three alternatives with $5 copays were available and that its system instructed Walgreens to contact Cole’s doctor.

    In a statement to NBC, Walgreens also offered condolences but declined to comment on specifics, citing patient privacy, adding, “In general, in cases where a medication is not covered by insurance, pharmacy staff may work with the plan, patient, and/or prescriber in an effort to process and dispense the prescription if able.”

    “He was just so young, and he had his whole life ahead of him,” Shanon Schmidtknecht told NBC. “And it was so preventable and so unnecessary.”

    PBMs, like Optum Rx, work behind the scenes to negotiate which medications insurers cover and at what price. But experts say those decisions often prioritize profit over patients.

    PBMs receive “rebates” from drugmakers in exchange for favoring certain drugs, said Gerard Anderson, a professor at Johns Hopkins Bloomberg School of Public Health. “[They] are looking for the drug that makes them the most money,” he told NBC.

    Neither patients nor doctors typically know when or why a drug gets dropped from a formulary. And because just three PBMs (CVS Caremark, Express Scripts and Optum Rx) control 80% of U.S. prescriptions, their decisions impact millions.

    A January report from the Federal Trade Commission (FTC) found that PBMs have driven up costs on many essential drugs by billions of dollars. The companies have disputed the findings: CVS has said the report “cherry-picked” data, while Optum Rx claimed it helped eligible patients save $1.3 billion in 2024 alone and Express Scripts said the FTC report is “another set of misleading conclusions.”

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    How to navigate rising prescription costs

    For many families, Cole’s story may hit close to home — and raises an urgent question: what can everyday Americans do if their prescription suddenly becomes unaffordable? Here are a few steps you can take to protect yourself.

    Don’t leave the pharmacy empty-handed. If your insurance no longer covers a potentially lifesaving medication, ask the pharmacist about lower-cost alternatives and contact your doctor immediately. They may be able to prescribe a similar, covered medication.

    Check prices at other pharmacies and look for discounts. Use tools like GoodRx or CostPlus to compare prices. Sometimes, the cash price at another pharmacy can be cheaper than going through insurance.

    Ask about generic versions. Generic drug prices can often be lower than the brand name drug. Ask your doctor or pharmacist if that is an option.

    Call your insurer. If you get a surprise price hike, contact your insurance provider to confirm whether the drug was removed from the formulary and what alternatives are covered.

    Stay proactive. Periodically check your insurer’s formulary for changes, especially during open enrollment or after the new year.

    See if you have access to an HSA, or health savings account. These are often offered along with high-deductible insurance plans from employers. You can save money, tax-free, to use for medical expenses. Some employers contribute to these funds to offset medical costs.

    Cole’s parents say they’ll keep fighting, not just for justice for their son but also to push for a system where patients don’t pay the price for hidden profits. His family shared a quote from Cole that they say he’d want people to hear: "Just be happy. Life is too short."

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.