From: "Creative Financial Alternatives" <homebiz@flock.mwci.net>
Date: Thu, 18 Jul 1996 02:37:38 +0800
To: homebiz@flock.mwci.net
Subject: Government: Home-Business
Message-ID: <199607160811.EAA00698@smtp1.interramp.com>
MIME-Version: 1.0
Content-Type: text/plain


Dear Friend,

Thank you for your interest. Please take a minute to read this 
important information or simply print it out.  

All the information here is 100% accurate and can be verified
with the Department of HUD in Washington D.C.

***************************************************************
   Honest Home-Business NO MLM or SELLING involved
       Earn $500 to $1,000 per week guaranteed.
***************************************************************

***************************************************************
 NOW YOU CAN MAKE UP TO $1,000.00 A WEEK OR MORE, IN
 YOUR SPARE TIME WORKING  AT HOME AND HELPING THE
 GOVERNMENT FIND PEOPLE WHO THEY OWE MONEY TO!
***************************************************************
 You'll be your own boss.  Work when you want... as much as you
want. Sound Good?  Then, read on because it gets a whole lot better!!


 Dear Friend,

    The truth is, the US Government really does have money to give
away.   In fact, right now there is more than $70,000,000.00 that
legally belongs to millions of unsuspecting US citizens.

    Where does this money come from? When the US Department
of Housing and Urban Development (HUD) and the Federal Housing
Administration (FHA)  approve a loan for a house, 1/2 of one percent
of the loan amount is added by HUD/FHA to the loan interest as
insurance in the event that the borrower does not pay the mortgage.
That money accumulates interest over the life of the loan. If the house
is taken away from the borrower through foreclosure, that money is
forfeited. However, when the borrower pays off the loan, they are
entitled to a full refund of that money. Over 20-30 years, that can add
up to a substantial amount of money!!

     So what does this mean for you? EASY MONEY!! I'll explain.

Most people do not know that this amount is due to them- many
have relocated. Since HUD/FHA doesn't have the resources to
track down each and everyone of the borrowers due a refund, they
developed the Refund Tracer Program for the purpose of allowing
people, just like you, to earn money by locating borrowers.

You see, thanks to the little known Mortgage Refund Tracer Program,
you can easily perform a valuable service. As a Refund Tracer, you
can help return millions of dollars to rightful owners and collect part
of what you return in processing fees.

     Just think of it!!

     A fantastic opportunity to earn substantial amounts of money. You
can start right away and earn $300 to $1,000.00 a week or more, right
from your own home. There is really no limit what you can earn. It's up
to you how much you want to work.

     You can be young or old, male or female, single or married,
employed or unemployed. It doesn't matter.

A WIN/WIN/WIN SITUATION!

     The government wins since the money must be refunded to it's
rightful owners.  The borrower wins because he or she receives
money the borrower is entitled to. You win because you receive a
generous processing fee. Everybody wins!

NO EXPERIENCE NEEDED

     The good news is that you don't need experience, or special
training. In fact, if you can read, write, and follow simple
step-by step instructions, you can earn lots of money in this
business.

     That's where the REFUND TRACER PROGRAM MANUAL
comes in. It explains everything you need to know. It is a step-by-step
instruction manual that will show you secrets that will allow you to
start receiving cash payments quickly. Nothing will be left unanswered,
and once you have the manual, you will not have to purchase anything
else from us.

     Here's an example of what you'll get...

* An information-packed manual with easy to follow instructions.
* All government forms provided by HUD/FHA
* Sample letters needed to inform borrowers that you are a Refund
   Tracer and are willing to help them get what is due to them. Plus,
   all other letters you will be sending during the processing time
   period.
* A FREE STATE Listing for any STATE.
* You'll also have our technical support along the way. 
* SPECIAL BONUS " Personal Complete Guide to the Internet".
   This is a 175 page 15 Chapter E-Book that covers the whole Internet
   and it is yours FREE when you order our program within the next
   10 days.

     Here's some of what you'll learn...

* How to obtain names of people due mortgage refunds from HUD
* The easiest ways to locate those due a refund
* How to contact them to get an immediate response
* How to process the necessary forms so that refunds are promptly
  issued
* How to claim your share of their Government refund
   ...and much more!

     You can get started immediately without any special
training or education and our manual will show you how. You will
be able to start making money almost at once. You can get
started on a shoestring!!

     You will be amazed at how easy it is. Imagine, earning
hundreds....even thousands of dollars each week helping the
government refund money. It will give you a good feeling just knowing
you are helping people receive money they didn't know they had
coming. You'll be getting paid for doing it!

     In 1986, Congress mandated that HUD make available to the
general public lists of borrowers who were due refunds. We investigated
and discovered one of "The Best Kept Money-Making Secrets
In America". When I learned of the little-known Refund Tracer Program,
We knew it was just what we had been looking for.

     This is probably the easiest, 100% legitimate, way to make money
from scratch ever!

     You will find that...

The fastest and best way to make a HUGE amount of money quickly
is to trace people who have MILLIONS of DOLLARS in refunds due to
them and then claim YOUR SHARE in Processing Fees.

     As long as HUD/FHA continues to approve loans, the money will
never stop growing. Your money- making potential is endless! Every
month, thousands of names become available for processing, names
that are available for you to earn cash by helping borrowers receive
their government refunds.

WHAT COULD BE EASIER?

     Now just ask yourself, what message is more powerful than telling
someone that you are going to help them receive a substantial sum of
money that they didn't know they had coming? Believe us, they will
love you for it, and will be more than happy to pay your fee. But this
is only part of what makes this program so easy to use. Our manual
will make it even easier for you to get started earning CASH RIGHT
NOW!

THE ULTIMATE WORK-AT-HOME MONEY-MAKER!!

     We know what you're thinking (it sounds too good to be true). But
believe us, it is 100% true and completely legitimate. Imagine a
money-making program that was established by the government.
You can do this right at your kitchen table, or if you have a computer
your even one step ahead. Let your computer start helping you make
some money, instead of costing you money!

     The Refund Tracer Program is recognized as an extension of the
services provided by HUD/FHA. This program is a gratifying way to
earn extra money, especially since you are also helping someone
else at the same time.

     The work you will be doing is simple, pleasant and absolutely
anyone can do it! Without any formal training or education, Refund
Tracers who have just started are earning $300 to $1,000 or more a
week! It depends on your determination, and how much you want
to make!  If you have any additional questions for us feel free to call 
us at: 216-226-8799.


     Please don't delay. The only way you can lose is doing
nothing, and that would be a shame. You owe it to yourself 
and your family. So act now. You'll be glad you did!  We give you 
everything you need to get started right away, including a FREE 
state listing Nobody can even come close to matching this offer.  
Other people sell you the Manual then charge extra for the State 
Listing, not us.  We give you the whole business for almost nothing.  

     For a small amount, you can take a big step towards financial
independence. We're looking forward to hearing from you!
Plus, if you order the program we will personally assist
you with any ideas or questions you may have while
working the program,  so your not alone in this. We'll be
here to help you along you're way

           Below is an example of the State Listings.
        ----------------------------------------------
Name            Address & City   Case# & Zip  Date & Money owed
-------------------------------------------------------------
Smith, Joe      1626 Ansel Drive        441-024360  07/06/94
                       Dayton                        OH 45416   $1,800.00
Virgil Baker    804 10th Avenue         411-031524  03/01/95
                       Middletown                 OH 45042   $1,134.76
-------------------------------------------------------------------------

As you can see you are provided with quite a bit of information. This
is what make the program so EASY to work!!!

********** 90 DAY MONEY BACK GUARANTEE **************
Here's how our policy works all you have to do is try the program for
90 days then if your not satisfied simply return it for a refund. So you 
have nothing to lose. If your looking for a real opportunity you
found it.

Respectfully yours,

Creative Financial Alternatives

The Program Only Costs $33.95

Send payment to:

Creative Financial Alternatives
Unclaimed Funds
18645 Detroit Ave. 
Suite 714
Lakewood, Ohio
44107

We accept Money Order or Check Made Payable 
to: Creative Financial Alternatives

We are pleased to announce were able to accept checks by phone or
fax to help you get started immediately. If you want to get started 
right away. The purpose of accepting checks by phone and fax is 
that it speeds up the process so you can get started immediately.

Phone us at: 1-216-226-8799 

Fax your check to: 1-216-226-3225 

* Please note that if you do check by phone or fax you will need to
keep that specific check for your own records. Please do not mail it
to us or deposit it at your bank. Simply void it out and keep it for your 
own records.

*************  QUESTIONS & ANSWERS  *****************

You are bound to have some questions about the Government
Refund Tracer Program. Below are some commonly asked questions
and my straightforward answers.  Also, if you have any questions that
aren't answered below please call us at:  216-226-8799
We'll be glad to answer them for you.

Q: Is the Government Refund Tracer Program legal?
A: Yes, in 1986 Congress mandated that HUD make available to
the general public lists of borrowers due refunds. Subsequently,
HUD created the Tracer Program.

Q: Can I do this from any state?	
A: Yes, you can live in one state and trace people in another state,
you can do it from anywhere!	

Q: How much does the Tracer receive?	
A: We recommend 25%-30%, of the refund. 	

Q: How do I obtain the names of the refund recipients?
A: You can get them directly from HUD or us.

Q: Why can't the person owed a refund get the
money for themselves?
A: They can, however the vast majority of people don't
know anything about the Government refund process.
They would need a case number and other specific
information only you have. This lack of knowledge is what
makes the tracer so valuable, because they can't do it without
you.

Q: Does this program require a large investment?
A: No, expenses (such as lists of names, stamps,etc.) will
depend on how large an area you intend to cover and since
you will be self-employed these expenses will be tax-deductible.
Most of your investment will be your time and effort.

Q: What is the average refund amount?
A: The average refund amounts range from $800-$1,000, but
refunds of $4,000 are not unheard of. It all depends on
the area or state you target.

Q: If I did a refund for $1,130.94 how much would I get?
A: Your fee is 30% so you would get $339.28 for that one claim!!

Q: How do I find these people?
A: You can go through the phone book directory or if you have a
computer with a CD-ROM drive you can purchase a copy of
"Home Phone" it's a directory of over 85 million residential
phone numbers. The majority of these people are still at the
current addresses on the form from HUD.

Thank you very much and we look forward to talking with you in the near 
future.  

                      Creative Financial Alternatives
                       18645 Detroit Ave. Suite 714
  `\|||/                    Lakewood, Ohio 44107
   (o o)        Phone: 216-226-8799     Fax: 216-226-3225
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