From her: “One thing a lot of carriers are doing to try and combat the losses is moving to a percentage deductible (meaning 1 or 2% of the dwelling amount).

When I did factor in all that stuff well...because I was ignoring:$25k of foundation work that was only a matter of time (never buy a house with a finished basement folks and if you do, it's $30k off the top of the price - no exceptions)$10k in concrete driveway, service walks and garage slab that all have buckles and is a lawsuit waiting to happen$2-3k to take down the tree in the back yard growing into the garage through the power lines and fences (damaged the foundation and ruined the slab)$3k to install AC to combat the leaking foundation that causes the house to mold up or, go back to number 1$3-4k for a roof on it's last legs, but not leaking yet!!!

You are a victim of fraudulent dealing by this company, no matter what legal niceties are used to argue that isn't the case, and are currently in an untenable situation.

I told him I have not received the check and if it was sent and cashed then it was cashed fraudulently.

@Dean Letfus war zone n.noun An area in which military combat takes place.An area at sea in which ships are prone to being attacked during a war.orDefinition of WAR ZONE 1: a zone in which belligerents are waging war; broadly : an area marked by extreme violence 2: a designated area especially on the high seas within which rights of neutrals are not respected by a belligerent nation in time of war I live in Memphis and none of my properties are in areas that I consider "WAR ZONES" if you say "socially and economically underprivileged areas" I would agree with you but definitely NOT "War Zones"..See below...

If you lose money in your first deal and don't have proper disclosures with passive investors they could claim you did something fraudulent.  

Estimates range from 20% to 30% of every dollar spent on Medicare/Medicaid goes to a fraudulent claim.

So as a seller we played with our PV and to combat the uber high interest rates .. 

I have heard of more complex cases were squatters create fraudulent lease agreements and that becomes a more complex issue to deal with!

One time when I was having some trouble with a fraudulent credit card processor he gave me a lot of good advice for no charge.