Netzwerke und Seilschaften
MLM
Der Fall "gmt"
12.10.2003
20.8.2003
Das Material zu dieser Web-Seite liegt schon länger bereit, wurde aber
absichtlich nicht veröffentlicht. Statt dessen wurde das Material
international Ermittlungsbehörden übergeben.
Als wir die Pressemeldung über die ""Kreuzfahrt" fanden (siehe
unten), waren wir sicher, daß mit dem Datum 1.9.2003 akute Gefahr
bestand, denn für eine Firma wie "gmt" sahen wir keine
Möglichkeit, diese Aktion zu bezahlen. Daß die Kreuzfahrt doch
durchgeführt wurde, hat uns zwar überrascht, der Konkurs bei Ende
der Fahrt bestätigt jedoch als dicker Schlußpunkt alle unsere
Befürchtungen und Warnungen.
Die Firmen, mit denen "gmt" zusammenarbeitet
"gmt" behauptet, mit einer Firma "Powerhouse"
zusammenzuarbeiten:
Powerhouse :
http://www.powerhousetechnologies.info/company/history.html
In
http://www.powerhousetechnologies.info/company/portfolio_companies.html
wird die Firma "First Person Software" genannt.
In
http://www.firstpersonsoftware.com/support.shtml
führt der Punkt
-----------------------------------------------------
"Click here to download Windows 98 drivers
for the PocketLogin128 device.
PocketLogin Readme"
-----------------------------------------------------
auf dieses File:
http://www.digitalfilm.com/drivers/files/Jumpdrive%201.0.exe
Das gehört aber (wie die Domain "digitalfilm.com") der Firma
"Lexarmedia". Damit wird die Firma "Lexarmedia" in die Affaire
hineingezogen. Einem unbedarften Surfer wird der Eindruck erweckt, dieser Link
führe zu einer der vielen Firmen des
"Powerhouse"-Firmen-Konglomerates.
Wie man zum Beispiel an der Tabelle
http://www.lexarmedia.com/digfilm/capacity_chart.html
ist "Lexarmedia" ein Pionier der Flash-Medien und hat ein großes
Produktspektrum:
-------------------------------------------------------------------------------
Corporate Overview
Lexar Media, Inc.
47421 Bayside Parkway
Fremont, CA 94538
510-413-1200
510-440-3499 (fax)
http://www.digitalfilm.com
Lexar Media is a leading designer, marketer and licensor of award-winning
removable flash-based digital storage media, card readers and ATA controller
solutions for the digital photography, consumer electronics, industrial and
communications markets. Lexar Media brands digital memory cards in the
industry's most popular formats including CompactFlash, Memory Stick,
MultiMediaCard, SD, SmartMedia, and xD-Picture Card. Lexar Media's ATA
controller solutions for industrial and OEM applications and its innovative
intellectual property is licensed by some of the world's most respected
companies. As a digital storage innovator, Lexar Media was the first to
develop and advance proprietary read-write speed standards for its USB-enabled
CompactFlash cards and holds over 60 controller patents.
Lexar Media consumer products are sold in the U.S., Europe and Asia/Pacific
through photo specialty stores, consumer electronics retailers and
mass-merchandisers. Leading digital camera manufacturers like Canon, Casio,
Konica, Minolta, Nikon, and Pentax have chosen to bundle Lexar Media digital
film with their cameras for its performance, reliability and value.
Through technology licensing and controller sales agreements with key
manufacturing partners,
Lexar Media also capitalizes on the growing use of digital media in adjacent
markets spanning a range of consumer, industrial and telecommunications
applications.
-------------------------------------------------------------------------------
"Lexarmedia" ist nicht nur eine lange im Markt eingeführte Firma mit
einem
großen Produktspektrum, sondern auch an der Spitze der Produktentwicklung, wie
die Pressemeldung vom 4.August 2003 zeigt:
-------------------------------------------------------------------------------
Lexar Media Leads Industry with World's Highest Capacity
CompactFlash Memory Card
Lexar Media Brings 4GB CompactFlash to Photographers Worldwide
FREMONT, Calif., August 4, 2003 -- Lexar Media, Inc. (Nasdaq: LEXR), a leading
designer, developer and marketer of high-performance digital media and
accessories, today announced that the company is shipping the world's first
and only 4GB CompactFlash memory card. Specifically designed for professional
photographers shooting hi-resolution images, the 4GB card stores about 600
images captured in RAW mode using a 6-megapixel professional camera. Amateur
photographers shooting with lower resolution cameras could expect to capture
as many as 45,000 JPEG images using the high capacity memory card. The actual
number of images a 4GB card can store depends on the camera quality,
resolution and image file selection mode.
The 4GB memory card is designed to meet the insatiable demand of professional
photographers for high-capacity storage. For many professionals, 600 RAW
images is comparable to the number of images shot in a day, which allows for
extended, uninterrupted shooting and fewer memory cards to manage throughout
the day.
The 4GB card is speed rated at 40X, which is capable of a sustained minimum
write speed of 6MB/s. As with all of Lexar Media Professional Series
CompactFlash, the 4GB card features Write Acceleration (WA) technology, to
achieve even greater speeds in WA enabled cameras. Lexar Media Image Rescue
software is included free with the 4GB card, enabling photographers to recover
deleted or seemingly lost images, or permanently erase the card preventing
future image recovery.
"Once again Lexar Media is leading the memory card industry by delivering the
highest capacity CompactFlash on the market," said Jim Gustke, Lexar Media,
general manager of marketing. "Many segments of the professional photography
market have a real need for extraordinary capacity CompactFlash cards.
Commercial, wedding, celebrity, fashion, and sports photographers often shoot
hundreds of images uninterrupted and many shoot in RAW or TIFF mode to capture
the highest quality image possible. Because professional cameras can generate
RAW files over 9MB and TIFF files in excess of 15MB, extremely high capacity
CompactFlash cards, such as our 4GB, are now a necessity."
"By allowing this large number of high quality images to be saved on one
CompactFlash card, we expect professional photographers will increasingly
shoot the highest quality image possible," said John Omvik, director of
product marketing, Lexar Media. "We also expect professionals with our 4GB
card to become more adventurous and shoot without concerns of capacity
limitations. This unique combination enhances the photography experience and
increases the chances of capturing winning shots."
"Until the introduction of this card, I was shooting with 1GB cards and often
I filled four in a single afternoon," said Jim Jordan, advertising, fashion
and celebrity photographer. "With a 4GB card, I don't waste time changing
cards in the middle of a shoot. With the high profile clients I typically
shoot for, regular card changing can be an inconvenience to both of us. At the
end of the day, I only have one card to keep track of, which simplifies my
life and my assistant's life."
"I'm on location almost 250 days of the year and many times in unpredictable
climates and on unpredictable terrain," said Jeffrey Aaronson, internationally
recognized photojournalist. "With Lexar's huge capacity 4GB CompactFlash card,
I can keep my card in my camera at all times and not worry about changing the
card in dangerous situations or exposing the inside of my camera to the
elements, which provides ease of mind and allows me to focus on creating
images."
The 4GB card is CompactFlash Type II and requires the host camera to support
the FAT32 file system. Most digital cameras today support the FAT16 file
system, but the FAT16 system only supports data up to 2GB. All CompactFlash
cards above 2GB require the camera to support the FAT32 file system.
Compatible cameras include Canon Powershot G3, Canon Powershot G5, Canon
Powershot S45, Canon Powershot S50, Canon EOS 10D, Canon EOS-1Ds, Kodak DCS
720X, Kodak 760, Kodak DCS Pro Back (all models), Kodak DCS Pro 14n, and
Olympus E-1. Most higher-end camera models being introduced today will support
the new FAT32 standard.
More information about FAT32 and a regularly updated list of compatible
cameras is available at
http://www.lexarmedia.com/FAT32
The 4GB card is available now at many photo specialty stores at an expected
price of $1,499.
About Lexar Media, Inc.
Lexar Media, Inc. (Nasdaq: LEXR) is a leading designer, marketer and licensor
of award-winning removable flash-based digital storage media, card readers and
ATA controller solutions for the digital photography, consumer electronics,
industrial and communications markets. Lexar Media brands digital memory cards
in the industry's most popular formats including CompactFlash, SmartMedia,
Memory Stick, MultiMediaCard and SD.
As a digital storage innovator, Lexar Media was the first to develop and
advance proprietary read-write speed standards for its USB-enabled
CompactFlash cards and holds over 60 controller patents. Licensees of Lexar
Media's technology include Olympus, SanDisk, Samsung Electronics and Sony.
Headquartered in Fremont, California, Lexar Media also has offices in London
and Tokyo. Lexar Media is a member of the Russell 2000 Index. For more
information, please call 1-800-789-9418 or visit www.lexarmedia.com.
Cautionary Note Regarding Forward-Looking Statements
This news release contains forward-looking information within the meaning of
Section 27A of the Securities Act of 1933 and Section 21E of the Securities
Exchange Act of 1934 and is subject to the safe harbor created by those
sections. These forward-looking statements include statements related to the
benefits of and consumer demand for Lexar Media's high performance
CompactFlash products. These forward-looking statements involve a number of
risks and uncertainties that could cause actual results to differ materially
from those anticipated by these forward-looking statements. These risks
include that the growth and success of Lexar Media's business depends on its
ability to achieve and maintain technology leadership, and sell and market
products that are commercially accepted. Readers should also refer to the risk
factors described in Lexar Media's filings with the Securities and Exchange
Commission, including its Annual Report on Form 10-K for its fiscal year ended
December 31, 2002 filed with the SEC on March 31, 2003. Lexar Media assumes no
obligation to update the forward-looking information contained in this news
release.
Lexar Media, SayCheese.com, Shoot & Share, JumpShot and the Lexar Media logo
are trademarks of Lexar Media, Inc. Lexar Media Inc. is an authorized licensee
of the CompactFlash trademark. All other brand or product names are trademarks
or registered trademarks of their respective holders.
-------------------------------------------------------------------------------
Die Positionierung und die große Bedeutung von "Lexarmedia" im Markt
sind damit
eindeutig. Die Presse-Meldung ist klar, deutlich, professionell - und durch
Referenzen jederzeit nachprüfbar!
Hier hinein klinkt sich "Powerhouse" über die Hintertür ein.
Wie steht es denn mit den anderen Aktivitäten von "Powerhouse" bzw
der von "Powerhouse" beherrschten Firmen...?
Nehmen wir die
Firma "FWDSOLUTIONS":
Das ist seltsam, denn FWDSOLUTIONS hat Partner, siehe:
-------------------------------------------------------------------------------
Our Partners
First Person Software is a FWD
Solutions partner, and the software team
responsible for the development of the
personalized desktop management
system for the Migo and future FWD
Solutions products.
http://www.firstpersonsoftware.com/
Trek 2000 Internaltional is FWD
Solutions' manufacturing partner, as
well as a co-development alliance and
sales partner.
http://www.thumbdrive.com/
HTH International is FWD Solutions'
distribution partner for Asia, Australia,
New Zealand, Africa and the Middle
East.
http://www.hthinternational.com/
-------------------------------------------------------------------------------
http://www.hthinternational.com/
erweist sich lediglich als Subdirectory der Firma
http://mayfaircapitalgroup.com :
"Trek 2000 Internaltional" ist mit Werbeaussagen nicht gerade
zurückkhaltend:
-------------------------------------------------------------------------------
The ThumbDrive is the world's first and
smallest portable storage drive. Based on Trek's
patented technologies, the ThumbDrive
combines flash memory technologies with the
ubiquitous USB connection to create a
self-contained drive and media package the size
of a thumb. It plugs directly into the USB port
of any computer and can store virtually any
digital data from documents, and presentations,
to music and photos.
Forget about lugging a bulky external storage
device. The ThumbDrive fits nicely on your
keychain or in your pocket.
-------------------------------------------------------------------------------
Wenn "Trek 2000 International" tatsächlich als erste Firma einen
Flash-Speicher mit USB gebaut hat, wieso hat "First Person Software"
einen Link zu "Lexarmedia", wo doch "Lexarmedia" KEIN Partner
von "First Person Software" ist...?
Denn, das muß man betonen, "Trek 2000 International" hat einen
Bereich für Support:
http://www.thumbdrive.com/support.htm
und einen Bereich für Downloads:
http://www.thumbdrive.com/downloads.htm
Wie man an
http://mayfaircapitalgroup.com/portfolio.html
sieht, ist die "Mayfaircapitalgroup" EBENFALLS Investor bei
"Powerhouse" und den anderen beteiligten Firmen...
Der grandiose "Support"...
Die oben beschriebenen Ungereimtheiten sind noch nicht alles, denn es gibt ja
noch
-------------------------------------------------------------------------------
First Person Software, Inc.
PocketLogin 1.1
Thank you for installing PocketLogin!
PocketLogin helps you Synchronize and Display your files on
a portable memory device. You can easily work from home, take your
files with you when you travel, and work remotely without carrying
your laptop.
PocketLogin works with Windows 98, ME, 2000 and XP.
To find out the most recent PocketLogin information, please see our
support site at:
http://www.pocketlogin.com/support/index.shtml
-------------------------------------------------------------------------------
Folgt man dem Link
-------------------------------------------------------------------------------
Not Found
The requested URL /support/index.shtml was not found on this server.
Additionally, a 404 Not Found error was encountered while trying to
use an ErrorDocument to handle the request.
Apache/1.3.28 Server at pocketlogin.com Port 80
-------------------------------------------------------------------------------
ist man mit der Antwort des Servers wenig glücklich...
Also ein Versuch mit der gekürzten URL :
-------------------------------------------------------------------------------
Index of /support
Name Last modified Size Description
Parent Directory 29-Jul-2003 20:45 -
_notes/ 13-Dec-2002 10:23 -
readme.txt 23-Dec-2002 16:16 1k
Apache/1.3.28 Server at pocketlogin.com Port 80
-------------------------------------------------------------------------------
Dann ein Versuch mit der dort angegebenen Web-Seite
http://www.pocketlogin.com/support/_notes/...
-------------------------------------------------------------------------------
Index of /support/_notes
Name Last modified Size Description
Parent Directory 13-Dec-2002 10:23 -
Apache/1.3.28 Server at pocketlogin.com Port 80
-------------------------------------------------------------------------------
Für eine Firma, die allein im 1. Jahr 1 Million Einheiten verkaufen will, eine
wahrhaft herkulische Leistung...
Was ist "Speicherkapazität"!?
Wie vorsichtig man bei Werbeaussagen sein muß, zeigt folgender Passus aus der
Site von "HTH":
-------------------------------------------------------------------------------
Pocket Login software allows a USB flash memory
device to emulate a personal computer. A user can
load the USB device with files, email, preferences,
settings and other aspects of their personal computing
environment, and then access these from any other
computer. They can work on the host computer as if it
were their own, accessing files, sending/receiving
email, running applications, and accessing their
favorite websites. While working on the host
computer, they will be seeing their desktop, wallpaper,
files, and all other settings. The fact that they are
working on a computer which is not their own is
completely transparent to them.
The Pocket Login software enables users to "Make
Any Computer Your Own"
Key benefits include:
* Access to your email from any computer
* Automatic backup and synchronization of all
files you are working with.
* Carry multi-PC's with you, your office work
files, your home files, your families PC's etc.
* Multi-levels of security that includes
thumb/finger print identification, voice
recognition and password encryption.
* Improved "personal productivity", as you are
essentially carrying your PC's entire hard drive
in your pocket.
* Increased mobility as you do not need to carry
a laptop or PDA device with you, simply find a
PC to plug your Pocket Login enabled USB
device into at your destination.
* Four to One compression ability creates more
data storage space on your USB flash device.
Eg. A 64MB Flash Memory device will hold
approximately 256MB using Pocket Login.
-------------------------------------------------------------------------------
Nachdem viele Speichermedien (und um nicht anderes geht es hier!) mit der
Angabe komprimierter Volumina beworben werden, muß hier knallhart
gefragt werden, ob
- in dem USB-Stick ein Flash-Speicher mit NETTO 64 MegaBytes ist, der erst
durch die Kompression 256 MegaBytes faßt
ODER
- ob der USB-Stick NETTO 256 MegaBytes faßt.
Laut Reklame von "gmt" kostet der USB-Stick von ""gmt" 299
US-Dollar:
-------------------------------------------------------------------------------
Do you have the latest version of that business presentation with you--the one
with all the graphics, that takes up 25M? Are you sure it's the latest
version? With myhandPC, you have the storage capacity to hold 256M
with future possibilities of even 1G or more of data. (current system
configured for 256M) So load up all your files! Need to bring along large,
high-resolution images? A large database? Or even a bunch of MP3 music files?
No problem!
[...]
Affordable Convenience
Priced at $299.95, MyhandPC with PocketLogin Software is a very
affordable "must have." Plus, the Unlimited Upgrade Pack will keep you ahead
of the game, with automatic software upgrades throughout the year. This
Unlimited Upgrade Pack is available at a mere cost of $29.95 EXCLUSIVELY from
gmt! and myhandPC.
-------------------------------------------------------------------------------
(gezipptes Beweisstück : myhandpc.pdf --> ama_gm09.zip)
Bitte beachten Sie den fast identischen Wortlaut und die exakten Wörter sehr
genau:
- http://mayfaircapitalgroup.com/hth/pop_pocket_login.html :
-------------------------------------------------------------------------------
Four to One compression ability creates more
data storage space on your USB flash device.
Eg. A 64MB Flash Memory device will hold
approximately 256MB using Pocket Login.
-------------------------------------------------------------------------------
- http://www.myhandpc.com/features.htm
-------------------------------------------------------------------------------
With myhandPC, you have the storage capacity to hold 256M
-------------------------------------------------------------------------------
Zum Preisvergleich ein Angebot des deutschen Elektronik-Händlers
"Atelco" für USB-Sticks am 20.8.2003:
-------------------------------------------------------------------------------
Speichermedien Speicherkarten USB-Disks
Bezeichnung Art-Nr Versandpreis2) Abholpreis
USB-Disk 64MB bootfähig+Passwortschutz 20QD64 21,34 Euro 22,00 Euro
USB-Disk 64MB USB 2.0 Passwortschutz 20U264 31,04 Euro 32,00 Euro
USB-Disk 128MB bootfähig+Passwortschutz 20QD28 35,89 Euro 37,00 Euro
USB-Disk 128MB USB 2.0 Passwortschutz 20U228 47,53 Euro 49,00 Euro
USB-Disk 256MB bootfähig+Passwortschutz 20QD56 64,02 Euro 66,00 Euro
USB-Disk 256MB USB 2.0 Passwortschutz 20U256 76,63 Euro 79,00 Euro
USB-Disk 512MB bootfähig+Passwortschutz 20QD12 125,13 Euro 129,00 Euro
2)
Der genannte Preis versteht sich ausschließlich bei Versandzustellung
und zzgl. Versandkosten.
Alle Preise inkl. MwSt.
-------------------------------------------------------------------------------
Selbst dann, wenn man nicht von der Kompression ausgeht, also einen USB-Stick
mit 256 MegaBytes NETTO annimmt, kostet ein solches Teil heute (20.8.2003) in
Deutschland 66 Euro.
Ergänzung, 17.9.2003
Wie berechtigt meine Warnung vor dem Fehler bei der Speicherkapazität war,
zeigen neue Forumsbeiträge:
-------------------------------------------------------------------------------
daniel_gmt
Starting Member
Deutschland
2 Beiträge
Erstellt am: 17 Sep 2003 : 01:35:05 Uhr
Hallo ! Habe vor kurzem meinen My-Hand-Pc erhalten und natürlich
auch gleich ausprobiert.
Im großen und ganzen bin ich begeistert da gibts nu eine
"Kleinigkeit" die mich stört. Ich habe mir von meiner Upline
erklären lassen, dass der MH-PC bis zu 1GB an Daten aufnehmen
kann.
Habe das auch schon in dem Forum gelesen. Ich hab allerdings nur
etwa 246MB auf meinem MH-PC zur verfügung. Muß ich da noch ein
update machen oder kann der(noch)nicht mehr ? Hat sich da
vielleicht jemand geirrt ?
-----
gmterika
Moderator
Deutschland
388 Beiträge
Erstellt am: 17 Sep 2003 : 07:31:53 Uhr
Liebe Daniela!
Stimmt schon. Erst Komprumiert ist es 1 GB.
Liebe Grüße
gmterika
Das Glück besteht nicht darin, dass Du tun kannst, was Du willst,
sondern darin, dass Du auch immer willst, was Du tust.
(Lev. N. Tolstoi)
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm19.zip)
Eine wahre Glanzleistung der Kalkulation
Eine wahre Glanzleistung der Kalkulation, würdig eines deutschen
Finanzministers [2], leistet sich der MLM-er "Gerd Masuth, Ihr Sponsor in
Europa, Id.-Nr. 100516379, GMT - Europa":
-------------------------------------------------------------------------------
Quicky Gerd
Mitglied
Benutzer # 1061
Bewertung:
erstellt am:
Ja und was gibt dabei zu verdienen ???
Die Antwort:
Genau : 2.520 Dollar !!! , wenn Sie nur Zwei - My Hand PC - verkaufen !
Gerd Masuth
Ihr Sponsor in Europa
Id.-Nr. 100516379
GMT - Europa
[LINK:]http://www.gmt-europa.de
Beiträge: 291 | von: Deutschland, 99974 Mühlhausen | Registriert seit: Sep
2001 | IP: gespeichert |
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm08.zip)
(gezipptes Beweisstück : 2520doll.pdf --> ama_gm11.zip)
Beim Verkauf von 2 Teilen zu je 299 Dollar ergibt sich nach wie vor die
Gesamtsumme von 598 Dollar. Wie das nach Abzug des Einkaufspreises einen
Verdienst von 2520 Dollar geben soll, stellt selbst PISA weit in den
Schatten...
Besonders brisant wird die Sache, sieht man sich die in der Reklame des
Gerd Masuth angegebene URL
http://www.gmt-europa.de
an.
Diese Domain hat Gerd Masuth in seiner vorigen Forumsreklame direkt lesbar
angegeben als:
-------------------------------------------------------------------------------
Gerd Masuth
Ihr Sponsor in Europa
Ref.-ID. 100516379
www.gmt-europa.de
Beiträge: 291 | von: Deutschland, 99974 Mühlhausen | Registriert seit: Sep 2001 | IP: gespeichert |
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm08.zip)
(gezipptes Beweisstück : 2520doll.pdf --> ama_gm11.zip)
und in der oben bereits zitierten Forumsreklame
http://www.mlm-news.de/ubb/ultimatebb.php?ubb=get_topic;f=9;t=009891;p=1#000001
als verdeckten Link.
Wer oder was ist denn nun diese Domain ?:
http://www.gmt-europa.de
Hierzu gibt der Whois der Domain-Registrare folgende Auskunft:
-------------------------------------------------------------------------------
Whois Database
domain: gmt-europa.de
descr: Hamburg-Mannheimer Vers.-AG
descr: Wagenstedter Str. 1 c
descr: D-99974 Muehlhausen /Thueringen
descr: Germany
nserver: ns9.schlund.de
nserver: ns10.schlund.de
status: connect
changed: 20030503 184818
source: DENIC
[admin-c]
Type: PERSON
Name: Gerd Masuth
Address: Hamburg-Mannheimer Vers.-AG
Address: Wagenstedter Str. 1 c
City: Muehlhausen /Thueringen
Pcode: 99974
Country: DE
Remarks: ACTION UPDATE
Remarks: ID [#6037291/5688514]
Changed: 20030430 164842
Source: DENIC
[tech-c][zone-c]
Type: PERSON
Name: Hostmaster SCHLUND
Address: Schlund + Partner AG
Address: Erbprinzenstr. 1
City: Karlsruhe
Pcode: 76133
Country: DE
Phone: +49 721 91374 50
Fax: +49 721 91374 20
Email: hostmaster@schlund.de
Remarks: ID [#5126200/1548]
Changed: 20010914 153910
Source: DENIC
-------------------------------------------------------------------------------
Nun, das ist mitnichten eine Domain im Besitz der "Hamburg-Mannheimer
Versicherungs-AG" (so wollen wir doch hoffen dürfen...).
Die echte Domain der "Hamburg-Mannheimer Versicherungs-AG" ist laut
Whois der Domain-Registrare diese:
http://www.hamburg-mannheimer.de
-------------------------------------------------------------------------------
domain: hamburg-mannheimer.de
descr: Hamburg-Mannheimer Versicherungs- AG
descr: Ueberseering 45
descr: D-22297 Hamburg
descr: DE
nserver: ns.isa-koeln.de
nserver: pns.dtag.de
nserver: secondary004.dtag.net
status: connect
changed: 20030217 065308
source: DENIC
[admin-c]
Type: PERSON
Name: Michael Fischer
Address: Hamburg-Mannheimer Versicherungs-AG
Address: Ueberseering 45
City: Hamburg
Pcode: 22297
Country: DE
Changed: 20021024 080412
Source: DENIC
[tech-c][zone-c]
Type: PERSON
Name: Joachim Dechow
Address: DeTeSystem GmbH
Address: Sohnstrasse 45
City: Duesseldorf
Pcode: 40237
Country: DE
Phone: +49 211 9148 816
Fax: +49 211 9148 809
Email: joachim.dechow@t-systems.de
Changed: 20010910 202022
Source: DENIC
-------------------------------------------------------------------------------
Bleibt eine Frage: Ob die Versicherungsgeschäfte mit der gleichen
mathematischen Brillianz getätigt werden...?
Kahlschlag...
Vielleicht wäre den MLM-Händlern bei "gmt" viel Ärger
erspart geblieben, hätten sie in die Reklame der Firma "Pearl"
gesehen, die schon seit mehreren Monaten einen besonderen USB-Memory-Stick
verkauft und dazu in Computerzeitschriften Werbebeihefter hat.
Auf der Web-Site von "Pearl" heißt es:
-------------------------------------------------------------------------------
USB PConKey 64MB
Ihr Mini-Datenträger am Schlüsselbund!
Mit PConKey werden Sie mit Ihren Daten mobil! Klein wie
ein Feuerzeug - fast so vielseitig wie ein großer PC.
PConKey speichert, transportiert und verwaltet Ihre Daten
im Kleinst-Format. Und das bei höchster Sicherheit! Stecken
Sie den PConKey einfach in den USB-Port eines beliebigen PCs
ein - und schon stehen Ihnen diese vielen praktischen
Funktionen zur Verfügung:
- Zip: Sparen Sie durch automatische Daten-Kompression
auf Wunsch wertvollen Speicherplatz.
- Secret: In diesem Ordner verschlüsseln Sie Ihre Daten auf
dem PConKey zusätzlich, versehen sie mit Passwort und
machen Dateiformate für andere unkenntlich.
- FlashMail: Auch an PCs ohne Internetzugang können Sie
Mails direkt auf den PConKey schreiben, speichern und
von einem anderen Computer aus versenden - z.B. ganz
bequem im Internet-Café! Versenden Sie Ihre E-Mails
über POP3/SMTP (Provider-Unterstützung erforderlich).
Importieren Sie Ihre E-Mail-Konten aus MS Outlook und
speichern empfangene Mails direkt auf dem PConKey ab.
- PCLock: Sperren Sie Ihren PC. Somit kann niemand ohne
PConKey auf den Computer zugreifen (Maus- und
Tastatur-Sperrung).
- PassID: PConKey ist über Ihr persönliches Passwort vor
unbefugter Benutzung stets geschützt.
PConKey ist bootfähig und resistent gegen
Bootsektor-Viren.
Die PConKey RAM-Disk bietet viel Speicherplatz für Ihre
Daten und Programme.
Plug & Play: Sie benötigen unter Win ME/2000/XP, Linux
und OS/2 keine Treiber.
Kompakt und leicht. Stoßfest und spritzwassergeschützt.
64 MB Speicherplatz
Ihr Mini-Datenträger am Schlüsselbund.
Ideal auch auf Reisen, in Internet-Cafes und an fremden
Computern. Niemals war das sichere Transportieren von
Daten komfortabler.
-------------------------------------------------------------------------------
Der aktuelle Preis beträgt 34,90 Euro für den USB-Stick mit netto 64 MegaByte
FLASH EEPROM. Es gibt auch andere Ausführungen mit bis zu netto 512 MegaBytes
Flash-EEPROM.
Aktuelle Preise bei "Pearl":
-------------------------------------
PConKey mit Preis
64 MegaBytes 34,90 Euro
128 MegaBytes 49,90 Euro
256 MegaBytes 69 90 Euro
512 MegaBytes 139,90 Euro
-------------------------------------
Vergleichen Sie genau die Beschreibung des "Pearl"-Angebots mit dem von
"gmt", insbesondere die Mail-Funktionen!
Außerdem weise ich darauf hin, daß es "Sync"-Software gibt, zum
Teil als Shareware auf Zeitschriften-CDs. Mittels dieser Programme kann man
Datenfiles von PCs mit einander abgleichen. Die Verwendung eines Memory-Stick
als Datentransporter ist hierbei nur ein Zwischenstück. Ob sich die
Software zum Synchronisieren auf dem Memory-Stick oder auf den PCs befindet,
ist unerheblich. Hauptsache, die Programme sind vorhanden und können
gestartet werden.
Geht man von einem Kompressionsfaktor 4 aus, wie in
http://mayfaircapitalgroup.com/hth/pop_pocket_login.html
beschrieben, so bietet der "PConKey" Memory-Stick des
"Pearl"-Angebots in der größten Version mit mit 512
MegaBytes netto eine Brutto-Kapazität von 2 GigaBytes - und das für
weniger als den halben Preis dessen, was bei man einem
"gmt"-memory-Stick für angebliche 256 MegaBytes (real wohl eher 64
MegaBytes) zahlen muß.
Zudem ist "Pearl" seit Jahren eine feste Größe im Markt,
mit sehr hohem Bekanntheitsgrad, sehr massiver Zeitschriftenwerbung und sehr
großem Kundenstamm.
Für die "gmt"-MLM-er ein vernichtender Kahlschlag...
First Person Interest
"Powerhouse" in
http://www.powerhousetechnologies.info/company/portfolio_companies.html
über die Firma "First Person Software":
-------------------------------------------------------------------------------
First Person Software, the company created by the two
forward thinking software developers, is part of the
PowerHouse Technologies Group portfolio, and the
development arm for the personalized software of FWD
Solutions' products. (www.firstpersonsoftware.com)
Copyright c 2003 PowerHouse Technologies Group, Inc.
-------------------------------------------------------------------------------
Dagegen heißt es in
-------------------------------------------------------------------------------
Power House Technologies besitzen eine Mehrheitsbeteiligung an dem Unternehmen
First Person Interest. Dieses Unternehmen entwickelte die Pocket Login
Software, eine auf Windows basierende Software, die erstmals eine wirkliche
persönliche Mobilität ermöglicht hat. Jedoch wurde die einfache
Speicherfunktion der Pocket Logins revolutioniert und in ein portables
Mini-Computersystem weiterentwickelt " und all das in der Größe
eines Schlüsselanhängers.
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm06.zip)
Die Domain
http://www.firstpersonsoftware.com
gehört jedoch einer Firma "First Person Software, Incorporated" -
und NICHT einer Firma "First Person Interest".
Wer also ist die Firma "First Person Interest"...?
Anmerkung:
Seit dem 24.8.2003 war die Web-Site
http://members.nusurf.at/gmt/
für die Öffentlichkeit für einige Zeit komplett gesperrt:
Zugang nur noch mit Paßwort.
Möglicherweise sind den Betreibern der Site Informationen über
Ermittlungen zur Kenntnis gekommen, denen sie sich durch das Abschotten
entziehen wollten. Doch das nützt nichts, denn den
Ermittlungsbehörden stellen wir unser Material selbstverständlich
zur Verfügung!
"mehr als 275.000 Mitarbeiter"
"gmt" behauptet, weltweit mehr als 270.00 Mitarbeiter im Verkauf zu
haben. Das ist unter anderem zu lesen in:
-------------------------------------------------------------------------------
Mr. Elliot und die Firma Power House Technologies
sind hoch erfreut von nun an mit gmt! geschäftlich
zusammenarbeiten zu dürfen. Elliot bezeichnet gmt!
als eine innovative Marketing Gruppe mit enormer
globaler Reichweite, welche in Kürze in der Lage
sein wird ganz neue, wichtige Märkte zu öffnen!
Denn die Kraft der globalen gmt Verkaufsvormacht
liegt in den fleißigen Händen von mehr als 275 000
Mitarbeitern, verteilt auf mehr als 180 Länder
weltweit. Die Produkte werden mittels eines
Netzwerks in Umlauf gebracht, das primär aus kleineren
bis mittelgroßen Unternehmen besteht.
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm06.zip)
Im gleichen Text behauptet "gmt" außerdem:
-------------------------------------------------------------------------------
Laut gmt! Firmengründer und Direktor Bruce Bise
können schon Prognosen für mindestens eine Million
Verkaufseinheiten im ersten Verkaufsjahr gemacht
werden.
Das Abkommen zwischen gmt und
PowerHouse Technologien umfasst die Vereinbarung,
dass die ersten portablen Hand PCs Ende Juni der
Marketing Firma gmt! zur Verfügung gestellt werden.
Wobei gmt per Erhalt der ersten Hand-PC Lieferung
eine Vorausbezahlung zu leisten hat (genauso werden
die Bestellungen in Zukunft auch abgewickelt werden).
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm06.zip)
"Powerhouse" traut "gmt" offensichtlich so wenig über den
Weg, daß "gmt" von Anfang an und auch später (!)
die Ware immer nur gegen Vorkasse erhält...
Hinzufügen muß man auch, daß die Ware nichts weiter ist als
ein Plastik-Gehäuse mit Steck-Anschluß, mit USB-Formfaktor, und
nichts weiter enthält als einen Flash-Speicher noch unbekannter
Netto-Kapazität. Teil des Kaufpakets ist eine spezielle Software (von
"First Person Software") mit ca 770 KiloBytes.
Als die obigen Reklame-Texte geschrieben wurden, war die Rede von "4
GB", was Jedermann als "4 GigaBytes" interpretiert.
Jetzt, wo die ersten Speicher mit 4 GigaBytes von "Lexarmedia"
verfügbar sind, kosten die bei "Lexarmedia" 1500 US-Dollar.
Laut Reklame von "gmt" sollen von einem Speicher mit eben diesen 4
GigaBytes allein im ersten Jahr 1 Millionen Einheiten verkauft werden. Dazu
will man sich des gigantischen Verkäuferheeres von mehr als 275.000
Verkäufern bedienen.
Tatsache ist aber, daß es diese 275.000 Verkäufer gar nicht gibt,
sondern lediglich rund 28.000 eingetragene "iAssociate Directors" zu
finden sind. Von denen wiederum ist nur ein kleiner Bruchteil (üblich
sind weniger als 10 Prozent) im Verkauf wirklich aktiv tätig.
Das heißt: Rund 2500 Verkäufer sollen 1 Million Stück
verkaufen.
Das sind pro Nase 400 Stück in einem Jahr. Im guten Durchschnitt also 2
Stück pro Werktag. Und das bei einer Ware für 3000 Mark (ca 1500
Euro)...!
Das ist überhaupt nicht machbar.
Jetzt, nach der neuen Ankündigung von "gmt", gibt es USB-Sticks
mit angeblichen 256 MegaBytes, vermutlich aber nur 64 MegaBytes. Und das zum
Preis von 299 US-Dollar, siehe oben...
"gmt" und der Zoll : Arzneimittel...
Seltsames findet man im Support-Forum von "gmt" Europa:
-------------------------------------------------------------------------------
Warenlieferung und Schecks
Warenlieferung:
Aufgrund von bestimmten Vitaminen benötigt der Zoll eine Einfuhrbewilligung
für Arznei.
Bitte auf der Rückseite der Zollbenachrichtigung folgendes ankreuzen und ans
Zollamt zurücksenden:
x Ich nehme umseitig bezeichnete Sendung nicht an
Die Ware wird dann von gmt "frei" gemacht und Ihnen zugesendet.
-------------------------------------------------------------------------------
(gezipptes Beweisstück : ama_gm10.zip)
Nachdem die Ware bereits von "gmt" verschickt und dabei vom Zoll
konfisziert wurde, wird genau diese Sendung NOCH EINMAL von "gmt"
versandt...?
Wozu? Wieso konnte "gmt" den Versand nicht bereits beim 1. Mal
einwandfrei über die Bühne bringen?
Oder hofft man darauf, daß nur ein Teil der Sendungen vom Zoll
kontrolliert wird, so daß der 2. Versuch nicht vom Zoll erkannt werden
wird...?
Die Liste des Computers
"gmt" behauptet, weltweit mehr als 270.000 Mitarbeiter zu haben. Diese
Zahl ist wichtig, denn sie wird (siehe oben!) als Argument ins Feld
geführt, wenn es darum geht, neue MLM-er zum Mitmachen anzulocken oder
wenn es darum geht, potentiellen Kunden die Firma, ihre Wirkung und ihre
Produkte anzupreisen.
Am 11. August heißt es auf der offiziellen Website von "gmt":
-------------------------------------------------------------------------------
Hot Off the Press!
gmt! Taking the Internet Marketing World by Storm.
gmt! lanches PHASE II - and V!V I and V!V II l
gmt! has grown to over 270,000 iAssociates
with its' Co-operative Marketing System.
-------------------------------------------------------------------------------
(gezipptes Beweisstück : gmt_diam.pdf --> ama_gm01.zip)
Nachdem das Konzept dubios, die Durchführung dilletantisch und die
Mitmacher ahnungs- und ratlos sind, wurde die Zahl der Mitarbeiter
überprüft. Dazu wurden vom offiziellen "gmt"-Server die
öffentlich zugänglichen Selbstdarstellungen (das heißt: die
Reklame) der bei "gmt" eingeschriebenen MLM-er überprüft.
Beispiel:
http://www.gmtdiamondmine.com/members/100516379/welcome.php
(gezipptes Beweisstück : gmt_dia1.pdf --> ama_gm02.zip)
Die vollständige Liste :
http://www.ariplex.com/ama/ama_num7.htm
ca 800 KiloBytes)
bzw alphabetisch sortiert:
http://www.ariplex.com/ama/ama_num8.htm
ca 3100 KiloBytes)
Die Analyse ergibt:
- Bereich von 100.000.000 - 100.589.767
gmt benutzt 9-stellige Zahlen. Eintragungen gibt es im Bereich von 100.100.100
- 100.589.767.
- außerhalb des Bereichs
Oberhalb:
Es wurde von 99.980.000 - 99.999.999 alle 20.000 Zahlen geprüft. Zu keiner
gibt es eine Eintragung.
Unterhalb:
Es wurde von 100.600.000- 100.620.000 alle 20.000 Zahlen geprüft. Zu keiner
gibt es eine Eintragung.
- Dichte
Wirklich benutzt sind ca 28.000 Zahlen aus dem Raum 100.100.000-100.590.000.
Damit ist die Dichte 490.000/28.000 = 17,50.
- all chiefs, no indians
Alle gefundenen Eintragungen haben die Angabe, daß der jeweilige MLM-er
ein "iAssociate Director" ist.
Dieser "Titel" ist noch wertloser als ein Karnevalsorden.
Bitte bedenken Sie, daß wir es hier nicht mit Karneval, sondern mit
einem Gewerbe zu tun haben: Menschen wollen mit ihrer Arbeit Geld verdienen,
um davon leben zu können. Es geht um die wirtschaftliche Existenz.
Gibt es Beweise für die Richtigkeit unserer Behauptungen? Ja, die gibt
es. Zunächst einmal ist die Zahl 100.000.000 von "gmt" für
die "Demo get marketing today! Platform" eingetragen worden, sowie die
Zahl 100.000.001 für den "Customer Support". Dies ist typisch
und wird üblicherweis am Anfang des benutzten Zahlenbereichs gemacht.
Auch wenn die Eintragungen im Zahlenbereich sehr dünn gestreut sind, so
ist doch eine gewisse Dichte vorhanden. Aber ab 100.589.767 gibt es keine
Eintragungen mehr auf den nächsten 30.000 Stellen. Auch das ist typisch
für Handhabung der MLM-Verwaltungssoftware.
Man kann daher 100.000.000 als Anfang und 100.589.767 als Ende des benutzten
Bereichs annehmen.
Erhärtet wird die Vermutung durch die Eintragungen des Chefs Bruse Bise
höchstpersönlich - als allererste eines MLM-ers überhaupt, mit
der Nummer 100100100 (leicht zu merken...) :
-------------------------------------------------------------------------------
Nummer Name
100000000 Demo get marketing today! Platform
100000001 Customer Support
100100100 BRUCE BISE
_ ...
-------------------------------------------------------------------------------
Es gibt 2 weitere Eintragungen mit dem Name "Bise", doch auch die sind bereits
gestreut.
-------------------------------------------------------------------------------
100100100 BRUCE BISE
100100123 MERLIN BISE
100100127 MALINDA BISE
-------------------------------------------------------------------------------
Nun sollte man annehmen dürfen, daß wenigstens beim Start der
Firma, wo man die eigenen Familienmitglieder einträgt, diese fortlaufende
Zahlen haben und lückenlos gepackt sind. Doch nicht einmal diese sind es!
Man könnte vermuten, daß die Zahl von 270.000 "Mitarbeitern"
stimmt, daß aber DIESE RESTLICHEN MLM-er anders eingetragen werden.
Doch dann müßten die "gmt iAssociate Directors" erst recht dicht
gepackt in einem Zahlenbereich von 100.000.000 bis 100.030.000 liegen!
Man könnte auch argumentieren, daß alle MLM-er im gleichen
Zahlenbereich ab 100.000.000 eingetragen sind. Doch dann müßten die
restlichen MLM-er in diesem Zahlenbereich auch zu finden sein. Sind sie aber
nicht...
Wie man es auch dreht und wendet, die Fakten deuten schlüssig darauf hin,
daß "gmt" von Anfang an bei den Zahlen getürkt hat.
Die Behauptung, "gmt" habe 270.000 verkaufende Mitarbeiter, ist unwahr.
Um das näher zu überprüfen, wurden in die Datenbank bei
"gmt" 2 Personen eingetragen, ein
Arganzoo Mergadiel
und ein
Email Berlina
"Arganzoo Mergadiel" erhielt die Nummer 100590339.
"Email Berlina" erhielt die Nummer 100590366.
Bei der Anmeldung von "Email Berlina" wurde auf dem Bildschirm die Meldung
ausgegeben:
-------------------------------------------------------------------------------
Your gmt! iNumber is 100590366.
Keep this number for your records. To purchase products please click
To Shop
Referral Information
Referrer's iAssociate Number:
Referred by: [...]
Is this correct? YES NO
-------------------------------------------------------------------------------
Per Email wurde "Email Berlina" von "gmt" mitgeteilt:
-------------------------------------------------------------------------------
Return-Path: <aresponse@unisponder.com>
Delivered-To: Testperson
Received: (qmail 84774 invoked from network); 15 Aug 2003 17:58:59 -0000
Received: from unknown (HELO mail.getmovingtoday.com) (216.234.251.2)
by [...] with SMTP; 15 Aug 2003 17:58:59 -0000
Received: (qmail 88380 invoked from network); 15 Aug 2003 12:56:26 -0500
Received: from unknown (HELO DBMANAGER) (192.168.50.7)
by aphrodite.gmtwebservices.com with SMTP; 15 Aug 2003 12:56:26 -0500
From: "gmt! Processed Applications" <aresponse@unisponder.com>
Subject: Re: gmt! Registration
To: Testperson
Date: Fri, 15 Aug 2003 12:55:26 -0500
X-Priority: 3
X-Library: Indy 8.0.25
X-Mailer: gmtLook
Email Berlina,
We would like to thank you for participating in the gmt! opportunity.
Your FREE iNumber/UserName is 100590366.
You will use 100590366 to login to the gmt! site.
The password you submitted is .
You can return at any time to purchase more products.
https://gmtsupport.com/default.aspx
Just Logon in with your above iNumber and password
and then click on the Order Product link.
Thanks again!
i-PROMOTION inc.
DO NOT REPLY TO THIS AUTOMATIC RESPONSE
-------------------------------------------------------------------------------
Fazit:
- 1. Man kann sich bei jedem dort eingetragenen MLM-er als Downline
anhängen, auch bei Bruce Bise himself...
- 2. Die Nummern wurden inzwischen auf über 100.590.000
weitergezählt. Das ist ein weiteres Indiz dafür, daß der
verwendete Zahlenraum sich dort befindet und die Eigenschaften hat wie oben
bereits beschrieben.
- 3. Eine Überprüfung der beiden Nummern mitttels
zeigt ... nichts. Bei beiden Nummern sind Eintragungen vorhanden, werden
aber nicht als "iAssociate Director" angezeigt.
Beide Eintragungen können von jedem gemacht werden, der ohne jede Kauf-
oder sonstige Absicht einfach in der Datenbank herumspielen will. Ebenso wie
wir es beim Testen gemacht haben, geschieht dies jeden Tag rund um die Uhr.
Den Machern der Datenbank, nämlich "gmt", ist das natürlich
klar. Es ist Teil des Systems von "gmt".
Jede Aussage, es gäbe 270.000 (oder mehr) Verkäufer, ist somit
falsch.
Die Finanzlage von "gmt"
Zur Finanzlage von "gmt" verweise ich auf :
- http://www.mlm-beobachter.de/gmt/gmt4.htm
------------------------------------------------------------------------
Sammelklage gegen GMT! wegen betrügerischer Geschäftspraktiken
12.08.2003
Rechtsanwalt Lawrence D. Tackett aus Houston in Texas
verklagt die Unternehmen "Get Moving Today" und "Freedom
Network International" im Rahmen einer Sammelklage wegen
betrügerischer Geschäftspraktiken, der sich geschädigte
GMT! und FNI-Associates anschließen können.
[...]
Dem Vernehmen nach hat allein die Ankündigung dieser
Sammelklage einige amerikanische "Top-Distributoren" zu
dem Kommentar veranlasst, eigentlich hätten sie ihr
Geschäft gemacht und nun sei es Zeit für den Ausstieg.
------------------------------------------------------------------------
http://www.worldwidescam.com/gmtnotes.htm
------------------------------------------------------------------------
Class Notes From the OSU
GMT! Students Are Not Happy
------------------------------------------------------------------------
Posted: Sun Aug 10, 2003 3:31 pm
Post subject: What Has Happened?
What on earth has happened to the Retail Rewards checks. There have
not been any payments posted since an earned date of April 14th.
Almost 4 months...this was going to be a much faster payout!
Does anyone have a clue or any insight about this?
Seven Oaks Author Message
GP_Hardy
------------------------------------------------------------------------
Posted: Wed Aug 06, 2003 5:08 am
Post subject: Compensation Checks stopped?
Sorry for not having the time to research this question first but
I am swamped here at work. Many of my group signed up prior to 2003.
We all received (mostly) are checks through the second cycle.
However, since January, none of us have received any more cycle
checks. Did the rules change somewhere or are we still supposed
to see our 5 cycles worth of checks or even past that if we qualified?
rwhit45 -
------------------------------------------------------------------------
Posted: Thu Aug 07, 2003 11:03 am
Post subject: I, along with most of my downline, would like
a simple answer to this question as well.
Something other than everything is based on company wide sales.
We should already know that. It has been five full months and We
have been told at least a dozen times that cycle times would speed
up in the next few weeks.
Hasn't happened. Can someone please address this?
Why do we now hear from corporate that new and exciting things are
on the horizon for those that will work?
What has happened to the company motto that you could do nothing
and still receive lots of money? I would guestimate that 80-90% of
those people in GMT came in with that in mind. It truly seems like
they have almost been forgotten.
twins2003 -
------------------------------------------------------------------------
Posted: Thu Aug 07, 2003 6:52 pm
Post subject: WE AHVE LOST CLOSE FRIENDS BECAUSE OF NO CYCLE
MY HUSBAND AND i ARE TRIPLE DIAMONDS ;SO WE HAVE WORKED THE SYSTEM;
AND IT HAS GOTTEN US A VERY LOT OF ANGRY PEOPLE AND TELEPHONE CALLS. WE
DON'T KNOW WHAT TO SAY TO THEM BECAUSE WE DID JUST LIKE THE COMPANY
SAID AND ALL HAVE RECRUITED OTHERS AND WE, TRIPLE DIAMONDS, HAVE NOT
EVEN STARTED OUR 2ND CYCLE YET. COME IN IN OCT/02. JUST DON'T KNOW WHAT
TOP DO ANYMORE.
------------------------------------------------------------------------
http://www.mc-money.com/gmt_talk/forumge/topic.asp?TOPIC_ID=200
http://www.mc-money.com/gmt_talk/forumge/topic.asp?TOPIC_ID=202
"gmt! sucht jetzt eine neue Bank, weil Citizen "nicht mehr so
gut ist".
------------------------------------------------------------------------
solche Posts findet man bei den Lemmingen:
Ja, ich habe mit gmt!-Europe Direktor gesprochen.
gmt! sucht jetzt eine neue Bank, weil Citizen "nicht mehr so gut ist".
Kein Problem, wir können die Checks noch immer ruhig einlösen.
Es kann auch passieren dass wir manchmal die Payment
Bestätigungen nicht erhalten, aber bitte trotzdem keine sorge
machen. Alles ist in Ordnung, wir haben nur Technische Fehler wegen
die umziehung...
Wenn ihr probleme mit Emails und Bestellung habt bitte mail an:
isupport@getmovingtoday.com schicken.
lg
Mike
_________________________________
gmt!: "Under promised - Over delivered"
go gmt! Team!
Kommentar:
"die Bank ist nicht mehr sooo gut"
"Leute, wer da nicht hellhörig wird, dem ist
nicht zu helfen."
Das muesst ihr euch mal vorstellen in einer normalen
Firma:
"Wir zahlen dieses Monat keine Gehälter, weil
die Bank ist nicht mehr soo gut "
------------------------------------------------------------------------
(gezipptes Beweisstück : bankistn.pdf --> ama_gm13.zip)
Hierzu siehe auch:
http://members.nusurf.at/gmt/home/newsletter/Umtausch%20alter%20Schecks.msg
(gezipptes Beweisstück : ama_gm14.zip)
Auch die angekündigte Kreuzfahrt wird interessant werden:
-------------------------------------------------------------------------------
Press Releases
Economic News
Friday May 30, 03:29 PM
Zingit Books Full Ship Charter
SAVANNAH, Ga., May 30, 2003 (PRIMEZONE) -- Zingit, Inc.
(Pink Sheets:ZNGT) announced today that through its subsidiary,
Hemisphere Travel, it has booked an entire cruise ship with Carnival
Cruise Lines.
The cruise came as a result of the signing of a contract with
Getmovingtoday (GMT), a direct sales company based in Dallas. This
contract establishes Zingit as GMT's full-time travel management
company. Zingit has already booked GMT'S first full ship charter
aboard the Carnival Imagination, a 2000+ passenger luxury cruise
liner based in Miami.
GMT and Zingit have developed a long-range on-going incentive
program to be rolled out to the top producers of GMT that have
helped increase GMT sales by more than 20 percent. The September
1, 2003, sailing of the Imagination, is the first of many expected
full ship charters to be used by GMT.
Mr. Bruce Bise, Pres. of GMT, stated, "Our growth puts us in a position
of needing a travel management company with the infrastructure,
technology, and experience that Zingit has." In addition, Mr. Bise
also stated, "Zingit gives us the ability to plan additional full
ship charters in the future and other large events for our
distributors."
According to Zingit's CEO, David Pollock, Zingit won the GMT
Incentive contract because of the large volume purchasing power
it has acquired and the solid reputation that has been built by
providing full travel management services to many large companies
and organizations. "The capability of our technology division has
helped us secure many new clients," Pollock added. Zingit provides
its corporate clients their own fully customized, name-branded
web-based travel center that allows clients full search and
booking capabilities found on other web sites, with the added
convenience of never leaving their existing web site. These travel
centers provide corporate travel as well as all forms of leisure
travel.
Zingit, Inc. is currently negotiating nine additional incentive
program contracts worth a combined $11 million per year. Several
are full ship charters and others are land-based events. The
ability to manage large events allows Zingit to further increase
it's potential commission and override programs, allowing its
member agencies the advantage of using Zingit's sales volume.
About Zingit: Zingit is a travel management company that aggregates
travel bookings from clients and affiliates by providing LAN and
Internet booking connection, office management services and
training to independent travel agents and agencies worldwide
through a central full-service travel agency, user-friendly web
sites and walk-in storefronts. Zingit also provides full-service
meeting planning, incentive programs, group travel, and leisure
travel.
For more information, contact Zingitrelations@aol.com.
Copyright c 2003 Yahoo! Inc. All Rights Reserved.
-------------------------------------------------------------------------------
(gezipptes Beweisstück : ama_gm03.zip)
Links hierzu:
gmt! in Europa...
Angesichts des angeblich gewaltigen Heeres an Verkäufern, mit dem
"gmt" angibt, nimmt sich das Support-Forum für Europa sehr
bescheiden aus:
Dort heißt es Mitte August 2003:
-------------------------------------------------------------------------------
Forum-Statistik
68 von 139 Mitgliedern haben 1304 Beiträge in 14 Foren erstellt.
Unser neuestes Mitglied ist: kuhfladia <pop_profile.asp?mode=display&id=139>.
-------------------------------------------------------------------------------
Nur 139 MLM-er bei wieviel Hundert Millionen Bürgern in Europa...?
Beteiligte Personen
Aus der Liste der MLM-er sind Namensgleichheiten mit beteiligten Personen
festzustellen bei:
-------------------------------------------------------------------------------
100100100 BRUCE BISE
100100123 MERLIN BISE
100100127 MALINDA BISE
100550484 Dorothy Feller
100588366 Ursula Feller
100563926 Feller Enterprises
100474523 Barbara Holloway
100520888 Elizabeth Holloway
100209572 Joseph Holloway
100572749 Len Holloway
100572837 Len Holloway
100572795 Oliver Holloway
100100113 Richard McCollum
100580034 A. J. McCollum
100100114 Melissa Townsley
100100256 Melissa Townsley
100100116 DINA MALDONADO
100221669 Anthony Maldonado
100249600 Olga Maldonado
100102966 Robert Maldonado
100102965 Roberta Maldonado
100100226 Betty Freed
100100105 David Freed
100100228 Jason Freed
100100227 Tammy Freed
100100523 Joyce Cadwell
100100477 Tony Cadwell
-------------------------------------------------------------------------------
Siehe auch die Personalliste bei
http://members.nusurf.at/gmt/home/management.htm
(gezipptes Beweisstück: ama_gm12.zip)
Bruce Eldon Bise: aus dem Gefängnis...
http://www.worldwidescam.com/
hat sehr gute Grundlagenarbeit geleistet und auch zu Bruce Bise recherchiert:
-------------------------------------------------------------------------------
Introducing the CEO of GMT!
President Bruce Eldon Bise
Meet the Man Behind the Scam
Who Is Bruce Eldon Bise?
He's the Founder, President and CEO of "Get Moving Today" GMT!,
but his name is conspicuously absent from the GMT! Management
Team page on the corporate GMT! web site. Even back in February
of this year, the WWSN had said:
Why GMT! is a Scam
RED FLAG #1.
Information and background on GMT! founders and owners is not
publicly available. They list all of their marketing directors
and pray "May God expand your territories and you be blessed
indeed!", but there is no mention of a CEO or any of the top
people of the company.
Why GMT! is a Scam
But we never lost hope and kept on digging. And thanks to some
resourceful friends and the LexisNexis service, a few
highlights from Mr. Bruce Eldon Bise's resume have begun to
surface. Like this one:
ARIZONA CRIMINAL HISTORY RECORDS
DEPARTMENT OF CORRECTIONS
Name: BISE,BRUCE E
Status: Inactive Inmate
Date of Birth: 09/10/1961
Gender: MALE
Alias Name(s): BISE,BRUCE E.; BISE,ELDON
Alias Date(s) of Birth: 09/10/1961
Height (Ft-In): 6'1"
Weight (Lbs.): 220
Race: CAUCASIAN
Eye Color: BLUE
Hair Color: GRAY
*****OFFENSE RECORD*****
Offense: FRAUDULENT SCHEMS ARTIFICS
Offense Classification: FELONY
Offense Severity: Felony Class 2
Offense Date: 10/01/1992
County Convicted: MARICOPA
Sentence Length: 007 YR(S)
Offense: FORGERY
Offense Classification: FELONY
Offense Severity: Felony Class 4
Offense Date: 10/12/1992
County Convicted: MARICOPA
Sentence Length: 004 YR(S)
*****INCARCERATION RECORD*****
RECORD 0001
Status: Inactive Inmate
Incarceration Date: 01/29/1997
Actual Release Date: 02/25/1999
ARIZONA CRIMINAL HISTORY RECORDS
NOTE: In each case we have provided links to original files and
documents which provide access to the original source of public
records information.We have also taken great care to verify
information which matches these records to Bruce Eldon Bise
using public information pertaining to description and birth date.
TEXAS DRIVERS LICENSE RECORD
Name: BISE, BRUCE ELDON
Address:
2627 BRIARCOVE CIRCLE
PLANO, TX 75074
LICENSE INFORMATION
License Number: 15834007
PERSONAL INFORMATION
Date of Birth: 9/10/1961
TEXAS DRIVERS LICENSE RECORD
TEXAS MARRIAGE RECORD
* * * * * * BRIDE INFORMATION * * * * * *
Bride: THOMAS BONNIE S
Married at Age: 45
* * * * * * GROOM INFORMATION * * * * * *
Groom: BISE BRUCE E
Married at Age: 40
* * * * * * MARRIAGE INFORMATION * * * * * *
Marriage Date: 5/6/2001
Marriage County: DALLAS
State Certificate Number: 069523
TEXAS MARRIAGE RECORD
We're still looking into this next one, but it does fit the M.O.,
city, and time frame already under consideration.
JUDGMENTS
DETAIL RECORD
--------------------------------------------------
Debtor: BISE, BRUCE
--------------------------------------------------
Debtor: EXPRESS 2000 INC
Address: 202 E MCDOWELL RD STE 135
PHOENIX, AZ 85004
---------------------------------------------------
Debtor: HOWARD, JUDY
---------------------------------------------------
Creditor: DAWN L CORBETT
----------------------------------------------------
Creditor: GROCERIES R US INC
Court: MARICOPA COUNTY RECORDERS OFFICE
111 SOUTH 3RD ST
PHOENIX AZ 85003
File Type: JUDGMENT
Filing Number: 950223590
Filing Date: 04-21-1995
Amount: $1,000
Status: UNSATISFIED
Status Date: 04-21-1995
JUDGMENTS
And Mr. Bise had a professional business office at:
202 E MCDOWELL RD STE 135
PHOENIX, AZ 85004
So we checked out his business address and took a peek into
the former home of Bruce Eldon Bise and EXPRESS 2000 INC:
Econo Lodge Downtown - Phoenix
202 E MCDOWELL RD
PHOENIX AZ 85004
(http://www.worldwidescam.com/ECONO1.JPG")
Since Mr. Bise already has a record and convictions for two
felonies in Arizona, it might be in the taxpayer's best
interest to extradite him directly to Maricopa County once
the GMT! pyramid scam collapses and the victims start to
complain.
It's always smart to plan ahead for these things....
-------------------------------------------------------------------------------
(gezipptes Material: ama_gm15.zip)
"gmt" in Österreich... ,1
Seit dem 24.8.2003 war die oben erwähnte Web-Site
http://members.nusurf.at/gmt/
für die Öffentlichkeit für einige Zeit komplett gesperrt:
Zugang nur noch mit Paßwort.
Möglicherweise sind den Betreibern der Site Informationen über
Ermittlungen zur Kenntnis gekommen, denen sie sich durch das Abschotten
entziehen wollen. Doch das nützt nichts, denn den
Ermittlungsbehörden stellen wir unser Material selbstverständlich
zur Verfügung!
"gmt" in Österreich... ,2
Ebenfalls in Österreich ist seit kurzem eine Domain
http://www.gmtaustria.at aktiv.
Von dort 2 Zitate:
-
http://www.gmtaustria.at/unglaubliche_moeglichkeit/kontakt.htm
-------------------------------------------------------------------------------
Kontaktmöglichkeiten !
Das gmtaustria.at/aayaa.at Team besteht aus:
David
WebMaster / LoginControll
david@gmtaustria.at
Tel: 0664/2126431
St. Martin - ÖO
Nicole
nicole@gmtaustria.at
Tel: 0664/6549258
St. Martin - ÖO
Valentin
valentin@gmtaustria.at
Tel: 0699/11172049
1050 Wien
Michael
michael@gmtaustria.at
Tel: 0664/5264274
Unterach am Attersee - OÖ
Michi
michi@gmtaustria.at
Tel: 0650/8646611
1020 Wien
Ralf
ralf@gmtaustria.at
Tel: 0664/5222147
Linz Urfahr OÖ
Franz
franz@gmtaustria.at
Tel: 0676/5576644
1070 Wien
Christian
christian@gmtaustria.at
Tel: 0676/6365286
Mariapfarr, Salzburg
Erste Hilfe
support@gmtaustria.at
So kannst du jetzt einen von uns kontaktieren,
zu weiteren Informationen und zum Login,
unserer privaten Infoseite "gmtaustria.at" kommen,
die hauptsächlich für unsere Upline Betreuung ist.
Komm in die neue Energie und Verändere dein Leben!
- nochmal Lesen -
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm16.zip)
Die Site ist übrigens keinesfalls privat, denn bei MLM handelt es sich um
eine gewerbliche Tätigkeit mit Gewinnerzielungsabsicht!
- http://www.gmtaustria.at/unglaubliche_moeglichkeit/system.htm
-------------------------------------------------------------------------------
Das System !
Diese Firma hat ein bestimmtes Ziel:
In kurzer Zeit weltweit bekannt zu werden
Dazu nützt die Firma verschiedene Promotionsstrategien.
Die Kunden sind die einzigen Werbeträger der Produkte!
* Das Erstgeschenk:
Kunden erhalten beim ersten Kauf ein Geldgeschenk,
das auf Zyklen aufgeteilt in etwa 1 - 2 Jahren ausbezahlt
wird.
Das kann das 24 fache des bezahlten Produktpreises
betragen.
(zB. in 12 24 Monaten ~ $ 25.044)
* Produktpromotion:
Ein neues Produkt wird bei Markteinführung
durch Provisionen bei Weiterempfehlungen gepuscht.
Zur Zeit zahlt gmt! für eine Verkaufsempfehlung
eines $ 199 teuren Produkts (zB. Go Talk)
$ 2.000 in 4 Zyklen aus. (~ 4 Monate)
Für die Empfehlung einer $ 43 teuren Paul McCartney DVD
$ 210 Provision. Und das so oft man will.
Diese Promotionsstrategien sind flexibel
und ändern sich je nach Produkt.
Bis jetzt hat noch jeder die
versprochenen Schecks bekommen.
- Von gmt! (get moving today) -
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm16.zip)
Die hier dargestellten Texte sind als Lehrbuch-reife Beispiele eines
"Ponzi-Schemes" den Justizbehörden angezeigt worden.
Mehr über "Ponzi-Schemes" lesen Sie beim MLM-Beobachter:
http://www.mlm-beobachter.de
http://onlinesuccessuniversity.com/ geschlossen
Am 5.9.2003 heißt es auf der Site
-------------------------------------------------------------------------------
This site has been closed.
c2002/2003 Online Success University.
All rights reserved.
The information contained on this site is for your personal use only, and should be
used at your own discretion.
This site is for excluseive use of gmt! / iPromotion members only.
Powered By WebHostingDirect.net
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm18.zip)
Am 8.9.2003 heißt es auf der Site
-------------------------------------------------------------------------------
Sorry We are undergoing renovations please check back soon
c2002/2003 Online Success University.
All rights reserved.
The information contained on this site is for your personal use only, and should be
used at your own discretion.
This site is for excluseive use of gmt! / iPromotion members only.
Powered By WebHostingDirect.net
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm18.zip)
Am 11.9.2003 heißt es auf der Site
-------------------------------------------------------------------------------
http://onlinesuccessuniversity.com/
This site has been closed due to non-payment from gmt!.
Please check back soon.
c2002/2003 Online Success University.
All rights reserved.
The information contained on this site is for your personal use only, and should be
used at your own discretion.
This site is for excluseive use of gmt! / iPromotion members only.
Powered By WebHostingDirect.net
-------------------------------------------------------------------------------
(gezipptes Beweisstück: ama_gm18.zip)
"gmt" files for "Chapter 11"
In der Nacht des 10.9.2003 versendet "gmt" diese Email an die im Server
von "gmt" eingetragenen Email-Adressen :
Email von "gmt", "Date: WED, 10 SEP 2003 20:40:54 -0500"
(Hervorhebungen von mir)
-------------------------------------------------------------------------------
From: <updates@getmovingtoday.com>
To: [eingetragene Empfaengerliste]
Subject: RE: Cross Roads
Date: WED, 10 SEP 2003 20:40:54 -0500
[img src="http://www.visitgmt.com/images/bruce_bise.jpg"]
Cross Roads
Many people have faced cross roads in their lives. Cross Roads filled
with challenges. In 2002 gmt! began with Faith, Hope and a Vision that
set the course for myself, my family and many others that would be
touched by the Vision. With humble beginnings and support of
Friends a BIRTH of a new kind of company began in spring of 2002.
As a company we find ourselves at a Cross Road, one of the challenges
we have faced was fraudulent checks and ACH's being cashed through
our bank account. You may view some of the fraudulent checks at
http://www.visitgmt.com/gmtinfo .
So, for every action in life their is a reaction, and the reaction
caused by this occurrence has been a strain on our relationships with
our other financial institutions. This has resulted in a loss of
flexibility to expand and advance new projects, and to continue to
advance and support the rapid growth we originally experienced.
In the middle of our determination to fulfill the vision and work
through these challenges we have had a serious attack from two of
our strategic alliances.
One has been with the company from the first few weeks of existence.
This person has claimed that they have not been properly compensated,
for their services, yet they have been compensated for more than
$432,000.00 not counting, their iAssociate income.
The 2nd person, had determined that the company's management team
should be restructured with a larger management role being played
by this particular individual. They have also stated that they
should have been paid additional compensation after receiving over
$1,000,000.00 from gmt.
What has been totally amazing through this whole process, is that
you our iAssociates and extended gmt family, who have made gmt what
it is today, have been incredibly supportive. Approximately, 8
years ago, through the undeserved mercy of God an actual death of
who I was, and rebirth of the person I could be, began. A birth
whether it be personal or a birth of a company is never easy and
usually comes with both pain and joy. As I listened and
shared with many of you on the cruise, I heard some of you searching
for answers, not only from gmt! but from your hearts as well. I was
personally touched as some of you gave testimony to how God has
changed your lives. I felt your words in so many ways as it spurred
my Soul to let you know that as a Leader of this company I too, have
been blessed and touched by the hand of God to change me into the
man I am today. From a broken man with no hopes and dreams to
someone of Faith, Hope and a need to share the blessings that God
gives me.
So, it is with heavy heart that I tell you that we are being forced
as a company to make some very painful decisions, unfortunately the
set of circumstances surrounding these decisions are beyond our
control. We have filed for reorganization under chapter 11 bankruptcy.
We will pursue all legal action against the parties who have conspired
to harm gmt. Those that have harmed gmt have directly harmed you.
Effective today we are beginning the process of reorganizing the
company. We will be providing you with additional information that
will keep you informed at www.visitgmt.com
As much as I would like to talk to each and everyone of you
personally, on the advise of legal counsel I am unable to do so.
As an alternative I have provided a streaming video presentation for
you to view at http://www.gmttv.com.
Bruce Bise
-------------------------------------------------------------------------------
"The WorldWide Scam Network" meldet per Email,
"Date: 11 Sep 2003 06:41:25 -0000" :
-------------------------------------------------------------------------------
GMT! Files For Bankruptcy
Almost as soon as the Carnival "Fascination" cruise ship and the GMT!
"Destiny" tour group docked in Miami, CEO Bruce Bise was headed to his
lawyer's office to file bankruptcy papers.
Two days before pitch man Brian Holloway had sent out an e-mail heralding
the new GMT! Energy Management System as the key to "Life Style Altering
Money & Success" and encouraged people to be on the conference call that
night:
"Let me repeat that again - DO NOT MISS THE CALL!! - This is a life
changer, and you will be the first to the market with this DYNAMIC,
fly off your shelf, easiest sale, EVER."
http://www.worldwidescam.com/gmtems.htm
Meanwhile, his pal Bruce Bise is preparing bankruptcy papers. If Brian
Holloway has any career or credibility left after his association with GMT!
over the last year, it will only be as a witness for the prosecution...
Mr. Bise is determined to get even with a few people, though, and along with a
warm and fuzzy "Cross Roads" message of thanks to the downline victims and a
short video where he squirms in his seat as he blames others for GMT!'s
demise, they post copies of actual checks, many with readable names, account
numbers, and bank routing information!
[...]
-------------------------------------------------------------------------------
Der Totalabsturz, in 6 Emails...
Am 8.9., 9.9. und 10.9. des Jahres 2003 versendet "gmt" diese Emails
an die im Server von "gmt" eingetragenen Email-Adressen :
-----------------------------------------
1. Date: MON, 8 SEP 2003 13:50:01 -0500
2. Date: MON, 8 SEP 2003 16:18:27 -0500
3. Date: MON, 8 SEP 2003 17:15:41 -0500
4. Date: MON, 8 SEP 2003 17:20:33 -0500
5. Date: TUE, 9 SEP 2003 11:40:52 -0500
6. Date: WED, 10 SEP 2003 20:40:54 -0500
-----------------------------------------
Diese Emails nun in voller Länge:
- Date: MON, 8 SEP 2003 13:50:01 -0500
-------------------------------------------------------------------------------
From: <updates@getmovingtoday.com>
To: [Empfaenger]
Subject: RE: Letter from Brian Holloway
Date: MON, 8 SEP 2003 13:50:01 -0500
TITLE Dear gmt family, friends, guest and exhausted CRUISE folks,
who got zero sleep after the big product announcement
Warning!!! Do Not Read This
If You Cannot Handle
Life Style Altering Money & Success.
The Destiny Cruise Announcement That Blew People Away...
A Shocking Report That Changes Everything
Dear gmt! family, friends & guests...
...exhausted CRUISE folks, who got zero sleep after
the big product announcement.
Please whatever you do " get on the call tonight!
Seriously!!!! Do not miss out because you've got to see the BIG PICTURE.
The gmt! EMS! $400.00 fast cash in your pocket, one sale. Massive income
in 30 days, we are talking lifestyle altering type money.
Let me repeat that again " DO NOT MISS THE CALL!! "
This is a life changer, and you will be the first to the market with this
DYNAMIC, fly off your shelf, easiest sale, EVER.
WARNING!!! THIS IS TOO BIG TO SHARE ALL THE DETAILS in a LETTER.
PLEASE GET PEOPLE ON THE CALL!!!!
Time: 8:00PM CST * Phone: 512-703-8080 * Code: 687711#
(This is one of those things that is so exciting, big
and awesome, that it takes your breath away " and gets bigger and bigger,
and bigger " the more you digest it.)
What I am saying is " get EVERYBODY on the call.
Get new folks on the call.
Get people that you've met today on the call.
Get those folks who don't want to hear another call
" on the call. Get those folks who are sitting on the fence " on the call.
Get those folks who've got their arms crossed and are skeptical " on the call.
See for yourself...here's what your own Gmt! iAssociates have said about the
NEW PRODUCT announcements... their words...not mine.
-The gmt Energy Management System (EMS)
is extraordinary...it will cut household costs and allow families to increase
their savings...removing another financial burden. I ask God to expand my
mind that I may comprehend the powerful tool I have in my hand. WOW!!!"
Carol Canton, New York
-------
"Wow and double WOW!!! I cannot wait to get home and order this gmt! Energy
Management System. It takes a visionary
to be on the cutting edge and Bruce Bise and gmt! are on it. The bonus plan
is magnificent and both the product and the
money will be a benefit to many. Calvin E. Anton (Triple Diamond), New York
-------
"I am very excited about the new product announcement and I am anxious to be
back to sell and build my gmt! business"
Wendy Amendole
-------
"I can sell this product with no problem." Leon Baughman
-------
"This new product is incredible! My husband and I have sold many products in
the past, but I believe this one will sell itself. Diane Baughman
-------
"The gmt! Energy Management System is going to save everyone from those high
electric bills and possibly save folks from
another blackout occurring again. We are really excited." Sherry Godwin
-------
"I'm very excited about this new gmt! Energy Management System - this energy
saving product can save you up to 30% on
your electric bill. It can also help cut down on the prime time billing. It
will change the way we do business with the
electric company." Gerry McConnell
-------
"The gmt! Energy Management System will hopefully put an end to the blackouts,
which we are having in our world today.
May God bless you all - keep up all the good work!!" Richard Dean Enlow
-------
"I can't wait to get home and start sharing the savings with family and
friends." Donnie Miller
"This is going to accelerate my Cooperative Matrix payouts with its full unit
push credits." Cindy O'Brian
So, you get the picture, please, please get on the call - so many new things
were launched, including a suite of products for
myhandpc. A SUITE OF PRODUCTS!
By the way, myhandpc is not some weak, little, wimpy storage device, anyone
can get one of those...myhandpc is a complete
operating system...literally a pc in your hand...get it...myhandpc...even a
football player can get that one.
So, there is MEGA new stuff about that too...so much.
Get on the CALL! Don't miss out -and it's going
to be repeated and recorded.
Let me put it this way - the meetings, and Q&A, went all night long, and we
drove the CRUISE folks crazy because people
would not leave the meetings - and they were total marathons of information,
learning and strategic positioning for YOU to
BREAKTHROUGH to massive levels of new achievement.
All getting ready for TODAY - the CALL!
Ok, let me see if I can give you a quick analogy that makes this clear as a
bell...
...ok, here's a good one. Simple.
Ok, folks are getting crushed by the rise in energy costs and
gasoline...EVERYONE. And, I know some places around the
country where the price of gas is $2.00 per gallon.
Now, this is how big gmt! EMS is...watch this...
...suppose you opened up a gas station, today...and for some amazing reason,
you were able to sell gas for 20-30% less -
that would be like selling gas for $1.49 per gallon!!!!!!!!!
How hard would it be to sell your gas???
I mean think about it...you could do everything wrong, even be the GRUMP, or
GRINCH, and you will still SELL OUT.
Customers would find you and they would buy all the GAS you've got.
Or maybe gas prices are $1.59 per gallon, that would mean that you could sell
your gas at $1.19 per gallon.
You get the picture.
Everyone has to buy gas...everyone has to buy ENERGY!
And do you know what that savings would add up to over the year? Literally
hundreds of dollars.
We are talking about a household fixed cost reduction that would literally pay
for itself with money left over!
Not to mention all the builders who would love to include this in their home
selling packages.
How about the Home Builders Associations.
How about electricians, contractors, etc., who are always looking for an
additional item to upsell and increase value
added services.
Or what about those small family restaurants who are like the "back-bone" of
all communities across the country,
and they survive by using every sensible and thrifty savings device possible.
And what about the baby boomers and even senior citizens who's biggest fixed
cost is ENERGY, and the savings
will now allow them to get improved health care.
As my friend Charlie would say...that's fishin' money, with enough left over
for Thursday night bowling...
(seriously)
Or what about that small family that needs another car to take the pressure
off in the morning, and they have been
living under the pressure of knowing that they are only $40 or $50 a month
away from being able to have that car that
would totally take the pressure off... (the savings can be so much more).
Or what if you are a retired NFL player, with 8 children, married to a
wonderful wife, who knows how to stretch the
budget...and we run around turning off lights, fans, TV's and radios that get
left on, with 5 teenagers running in and out.
And, we have 10 loads of laundry we do every day, not to mention 3
refrigerators, two hot water heaters, and 8 computers,
and a small office running at the same time, electric heat, to supplement 4
woodstoves, living in the mountains of NY...
Folks we (the Holloway's) are going to save
literally $300 - $400 per month.
And, more importantly, we are going to help other families save money, reduce
their costs and take some of the strain
off...that's so important.
And for those in business - YOU - once and for all...you are going to
experience easy, stone-cold SUCCESS. I don't want
to use the words, EASY MONEY...but I don't know what else to call it.
It's almost like selling tickets to a SOLD OUT concert - there's no question
that you are going to sell out.
Another weird way to look at this AMAZING SALE - is this.
If you could buy $20.00 bills for $15.00,
how many would you buy?
Or maybe, I should say it this way -
Now picture this...you give me $15.00, and I give you $20.00. Now, you give
me $15.00, and I give you another $20.00.
And just picture a long line of people, who cannot wait, standing in a long,
long, long line with their $20.00 bill - and all
you have to do is give them $15.00 dollars.
My only question is - could you sell the $15.00?
(That's pretty clear too me...at least that's what I think.)
Ok, I told you a million times - it was going to be big!
That's why you MUST GET ON THE CALL!
Click here for my pictures from the cruise
I told you it was going to be the easiest product to bring to market.
Have you ever met one of those people, who can
turn everything into a train wreck?
You know what I mean?
It's like that angry sales person, who does everything wrong, and can't even
get the presentation right, and breaks every
sensible rule of selling, and on top of this - they are late for appointments,
they cannot remember the prospect's name, they
forget to even remember the product benefits - and they are rude.
Ok...even that person can sell this product.
The gmt! EMS - is totally bullet proof.
Anyone can sell this.
In fact, I double dare you to go down to the local coffee shop, and do
everything in the world to NOT sell the Energy
Management System.
I want you to tell everyone in the room what this product does - and then I
want you to tell them not to buy it, and I want you
to tell them NOT to get in the business, and I want you to tell them that YOU
don't have a clue on how to sell it, and I want
you to assure them that YOU will not be giving them any back-up, no support,
no training, no information - and walk out of
the room, WITHOUT giving them a card.
Guess what?
The gmt! Energy Management System will sell.
And let's just say, you are semi-rude, and you spend the rest of the afternoon
on the phone, convincing all your friends NOT
to buy the gmt! EMS...and then you start making your list on all the reasons
why this "deal" won't work, and that everything
is all "messed up", and that you are going to sit back and wait and see, and
you are going to crank up that ol' skeptical
engine that chews up inspiration - and spits out frustration, stress and
despair...to the point where no one wants to be around
YOU.
Guess what?
The gmt! EMS will still sell.
And let's say, this particular week you are extra grumpy, telling another sad
story why the gmt! EMS is a dumb product...and
you don't know how to sell it.
And just watch what will happen.
When you get 4 orders the first week - and sell 4 units, and gmt! sends you a
fast start bonus check of $1600.00.
And don't worry, if you don't get it - some of these folks will.
(You should have seen everyone on the CRUISE when this announcement was made.
We went way past
APPLAUSE!...that's how it started out - then the more they listened and took
notes...the quieter it got...you could have heard
a pin drop, except that people's hearts were beating so loud...and then there
was just this jaw dropped, stunned wide-eyed
look...because everyone could see how big the picture was.)
Well how much bigger is it?
Ten times bigger than before for sure.
Then Jim Fobair, from California, started explaining the compensation plan -
and everyone started cheering when Jim
unveiled this massive wealth building machine.
I mean, just think about it for just one minute - a product that every
household needs. (I don't know how Bruce managed to
lock it up so fast, talk about a high paced, forward thinking visionary.)
Anyway, I can't cover everything here, and I know I am missing a bunch of
stuff, so please, whatever you do, even if you
have to crawl over glass, drink castor-oil, drink orange juice after you eat
Captain Crunch - please get on the call.
DO NOT MISS OUT.
Don't be left on the OUTSIDE looking IN.
Ok, here are some more testimonials from the CRUISE. Just, giving you the
facts folks. And, I really did not even cover
myhandpc, and that's a home run, landslide victory, in itself...all by
itself...1% market penetration is 6 Billion with a B
dollars.
Ok, here they are.
By the way, please forgive me for this letter being kinda choppy, I've got
tooth picks holding my eyes open right now...as if
anyone got any sleep on this cruise.
Seriously, you should have seen all the empty sunbathing chairs on the deck,
and all those CRUISE folks that bring you food
and drinks and whatever else...they were just standing around, wondering what
to do.
Why?
Because everyone was inside, learning, building their business and getting as
much information as possible to get ready for
TODAY's massive announcements.
And, believe you me...I tried to stay up, until 4 a.m. with Bruce to finish
all those meetings...but I had to go to bed and get
some sleep, or at least try to. So, excuse me for being semi-selfish and
grabbing 3 hours of sleep.
Slacker...I know.
Anyway, here are more testimonials.
Gotta run...Brian!
"There are no words to express the joy of seeing great leadership, leading us
into the future with products like the one given
to us on Thursday night. To be the first marketing to receive such a great
product is a once in a life time chance. When I
came here at the beginning of the CRUISE, I had questions I wanted answered -
not only did I get the answers - but I got a
product that will be life changing for many, many people. The only thing left
to do for myself is get home and go to work. I
can hardly wait." James Stuck, Brighton, Illinois
--------
"Wow! This is something we all can use and tell people about. This is a
great new product for gmt!. The best one yet.
Very powerful. Big bucks for all of us. So this product alone well set
records again. I feel very blessed to be a part of
gmt!." Myrnal Stark, Brighton, Illinois
--------
"I think this trip was the best choice to make the gmt! family unite - finally
people have had a chance to see the big VISION.
Myhandpc - this device will be the revolution of the hardware market.
Everybody will have benefits from it." Varini
Francesco (Warriors Group)
--------
"It was really an exciting experience to see so many people from all around
the world in the same place with the same goal!!
gmt! was able to create a TEAM spirit also in a business opportunity - thanks
Bruce and Melissa - I feel they are like
brothers! I think this product will be really helpful - not only for
individuals but especially - for firms and companies. It
will be the revolution of the hardware market." Roberto Rosi (Warriors
Group), ITALY
--------
"I felt very honored to be in the company aboard a ship with such committed
leaders who are devoted to God's mission for
love. The new energy savings product sounds fantastic. I can't wait to get
home and tell my family and friends of how they
can cut their bills and help conserve our energy too. Thanks gmt! for going
after that one!" Phyllis Franks
--------
"I'm here with my family and I was happy to make the choice to bring with us
my little child Nicholas. He's only 2 1/2 years
old, but he was quiet during this trip and I think he also has felt the love
in our gmt! family. My great wife is the business
soul of our family - she is completely on fire for the new myhandpc."
Salvatore Legari (Warriors Group), ITALY
--------
"I have really enjoyed the time spent on the cruise. It has given us a chance
to have lots of fun plus grow stronger in our
belief in gmt!. The praise and worship was so uplifting. Barb and Chuck
Snyder were great. Everyone enjoyed them so
much. We have been blessed to be on both of gmt!'s trips - looking forward to
more. But most of all gmt! has been a
blessing to us. We are proud to be part of a Christian Company - with such a
vision for their iAssociates. Thank you Bruce.
We're very excited about the EMS - We think it will help people with the
rising cost of utilities. We think it will help the
country by saving on electricity. And bring money faster to the iAssociates -
just ONE sale will change a lot of lives. Plus
the total payout is awesome. People have the opportunity to change their
lives with this new product and combined with all
the other products be able to exceed all their dreams. Keep the VISIONS
coming." Sheila Gibbs and Bobby Jones
--------
"The thing that impressed me more is the TEAMWORK and I saw that a great
company can work with an easy method. I
will think about all - but I am sure to be part of the company and part of the
future for sure. I think that the new product will
change the future of pc worldwide. Now I want to understand and when I come
back to ITALY...maybe I will buy it!"
Rosalba Sparcour (Guest of the Warrior Group), ITALY
--------
"I'm happy to have had the opportunity to attend the first international event
If this great company. I was surprised about the
spirit and enthusiasm - that makes gmt! people so close with each other. I
will never forget this experience. I think this
product will be the revolution and everybody will want it. gmt! once again is
in time - gmt! is still the future." Sabrina
Ballerini (Warrior Group)
--------
"This cruise was totally awesome! I had a chance to meet a lot of people not
only from gmt! headquarters, but many
iAssociates. People that share the same goals and who have the vision to see
what an incredible mastermind plan that Mr.
Bise has put together. I am working gmt! pretty much full time, and the time
I spent on this cruise has not only motivated me
more than before, but has renewed my commitment and belief."
-------
"I have been in the energy conservation and renewable energy industry since
1976. I have a firm belief that our country
needs to cut our dependence on foreign oil to preserve our energy and future
for our children & future generations. We all
have a responsibility to conserve and reduce our energy consumption, not only
for the service of this country, but also to
protect our environment. This product addresses both of these issues. I have
a patriotic responsibility to share this product
with everyone. If all of us get committed to this we have a chance to make an
incredible impact in the future of our
country." Richard Ballard
--------
"It was a very enthusiastic life experience - that permitted me to know the
great family of gmt! Big Family. Big Company.
Big People. The new product will be the explosion of gmt! in the world."
Claudo Benvemuti
--------
"For me it was my best human experience in a business trip! I never seen
before something similar - great people, great
company, a lot of love and the bigger project - thanks gmt! Myhandpc will
change the world! Huge Market-global market
- the Dream is close! Thanks Bruce and Melissa! It's a promise - me and
Stephania will try our best to help you to make
gmt! great! Always more - BIG and STRONG." Diego Benevelli
--------
I'm in gmt! from the beginning - we've celebrated the 1st birthday of the
group here on the ship!! I don't have enough words
to describe how important it was to spend the time together - with people from
around the world and feel the "REAL
SPIRIT OF gmt!! - great moments! What a privilege to be part of gmt!!! -
THANKS BRUCE for giving us the strength to
continue the DREAM! Myhandpc!!! I believe this product will be really the
2nd revolution and the best opportunity for a
good re-start. A new era in all Europe and not only in ITALY! We're really
part of a blessed company - thank God!!"
Stefani Gamba
--------
"This for me was an unbelievable experience. I had the chance to have fun -
to know this fantastic company and to share
with the President - Bruce Bise, the VISION and the DREAMS. I am proud to be
here and I will join soon - when I go back
to Italy to be part of the best MLM Company of the new millennium. Thank God
- thanks gmt!!. The new product will
change the world. I am happy to have the opportunity and the privilege to
sell it in this phenomenal market. If I think about
the potential - I cannot sleep! Wonderful." Claudio Mancinellu (Warrior
Group Guest), ITALY
--------
gmt! is a wonderful company. I'm so happy to have had the opportunity to know
Bruce and Melissa, great CRUISE,
excellent experience. Glad to be in gmt!. Myhandpc product...I think will be
a success. I will be happy to let people know
in Italy." Lassaro Montini
--------
What can I say? Wonderful!!! - The best opportunity of my life!! Great
company, great president, great people - and a lot of
Love! Thank God for this important moment - usually in my group I'm called
"THE SMILE" - and in this cruise, I share my
smile with everybody. Gmt! is the future for me! Everyday is the beginning in
gmt!" Sviona Noci (The Warrior Group)
--------
To submit your testimony, send an email to
mailto:testimonies@getmovingtoday.com
-------------------------------------------------------------------------------
Date: MON, 8 SEP 2003 16:18:27 -0500
-------------------------------------------------------------------------------
From: <updates@getmovingtoday.com>
To: [Empfaenger]
Subject: RE: Conference Call Correction
Date: MON, 8 SEP 2003 16:18:27 -0500
Attention all iAssociates:
This week's new product launch conference calls are at 6pm and 7pm PST
and 8pm and 9pm CST.
The phone number is 512-225-3222 code 687711#
Regards,
gmt! Support
-------------------------------------------------------------------------------
Date: MON, 8 SEP 2003 17:15:41 -0500
-------------------------------------------------------------------------------
From: <updates@getmovingtoday.com>
To: [Empfaenger]
Subject: Changing the "M's" to "B's"
Date: MON, 8 SEP 2003 17:15:41 -0500
TITLE: gmt! | get movingtoday.com
[img src="http://www.visitgmt.com/email/gary/banner.jpg"]
Changing the "M's" to "B's"
Normally I send out a "Gary Eby Life Training"
message each weekend. Messages like "HUNG BY THE TONGUE",
"STAY FOCUSED", and "NEVER, EVER QUIT".
And, I want you to know that I appreciate all of the great
response I've received. But, this week, I'm
sending out a "Special Edition" midweek message.
During the recent Destiny 2003 Cruise, I had a lot of different
emotions. I kinda felt like a mosquito in a nudist colony.
I looked around and I knew it was wonderful to be there,
but I didn't know where to begin! So much to eat! And, I'm
not talking about the food ... I'm
talking about the fellowship, the insights of world-class
leaders, and the extraordinary roll outs of the new phase
two products. One product, for example, is the new Residential
Energy Management System. It's an energy saving device
that'll save residential homeowners a tremendous amount
of money. Saving money ... AND making money ... that's
what gmt! is all about. You can find out a lot more
on tonight's conference call. It's a day of new beginnings.
After 18 months of exponential, record breaking growth
... gmt! has indeed entered a new era. We've already
caused our industry to make a paridigm shift, but now our
$100,000,000 warmup is over! Now we're going to change
the "M's" to B's"! The "Millions"
will change to "Billions"!
I'm choosing my words carfully here because, as a
writer, I realize that in their excitement, people often
misuse words. Look at these examples of bad word choices:
"Martin Luther was nailed to the church door at Wittenberg
for selling papal indulgences. He died a horrible death
being excommunicated by a bull."
"William Shakespeare wrote tragedies, comedies, and
hysterectomies, all in Islamic Pentameter."
"Sir Francis Drake circumcised the world with a 100-foot
clipper."
"Abraham Lincoln was born in a log cabin he built
with his own hands. He wrote the Gettysburg address while
traveling from Washington to Gettysburg on the back of an
envelope."
And I love this newspaper headline ..."Toilet seats
stolen. Police have nothing to go on."
Bad choice of words! And again I'm choosing my words
carefully ... we WILL change the "M's"
to B's"! The "Millions" will change
to "Billions"!
But let's not be deceived. With great growth will
come great challenges. We have to be mentally tough!
Orel Hershiser attributes his success as a major league
pitcher to his ability to concentrate on the next pitch.
He says that he cannot afford to worry about an earlier
bad pitch, and he cannot afford to worry about the power
hitter sitting in the on-deck circle. His only hope for
survival as a major league pitcher is to concentrate solely
on the next pitch he is about to throw.
Bruce Jenner played several sports in high school, but
was never a star. How did he become an Olympic champion?
He says, "I honestly felt I was mentally tougher than
the guys I competed against in the Olympics, especially
in terms of coming up with a good performance in pressure
situations."
And, our growth will necessitate change. But change is
good ...
You see, people who refuse to change get left behind.
Look at these examples. Marshal Ferdinand Foch made this
brilliant statement in 1911: "Airplanes are interesting
toys, but they have no military value." And look what
Business Week wrote in 1958: " With over 50 foreign
cars already on sale here, the Japanese auto industry isn't
likely to carve out a big slice of the U.S. market."
They could not accept these inevitable changes.
Boy, did they miss it! You've got to make adjustments.
In the early 1970s the firefighters of Fairfax County, Virginia,
received new helmets. They were sharp looking, colorful,
size-adjustable, made of high-impact plastic, and scuff
resistant. There was only one problem with the helmets:
when they were worn near the heat of a fire, they melted.
This, of course, made them useless to firefighters; they
needed helmets that could take the heat. In the same way,
we need a faith that can take the heat ... a faith that
endures the fire and protects us in the midst of the blaze.
A faith that can accept change, make adjustment, and move
on!
Here's a recent change that will require adjustment
but it will be an amazing benefit. OSU has outgrown
its ability to serve the iAssociates. So, gmt! has
divided it into two easy to use sites. One site will
be called www.gmtmeetingplace.com. It will be for forums
and discussion groups only. The other site will be
called www.mygmt4me.com. It will have all of the tools,
tutorials, and iAssociate information. This will make navigation
of the sites much easier and make them a lot more simple
to use. You'll have to reregister at the gmt! meeting
place site. That will require an adjustment and a
change. But wow! What a benefit for you and your team!
This is only a small example of a change. There will be
others. But rest assured each and ever one will be
made to better serve you the iAssociates in the field.
You see, gmt! as a company must never ask you to do anything
we are not willing to do. We must be willing to make adjustments,
make changes, and move on just like you. That's the
only way we're going to change the "M's"
to B's"! The "Millions" to "Billions"!
To get your share you better be tough! Be a stud not a
dud! (Or a studette not a dudette)
The call will take place at 9:00 PM EST, 8:00 PM CST, 6:00
PM PST. Place your call to 512-225-3222 Code 687711#
Thanks,
Gary Eby
-------------------------------------------------------------------------------
Date: MON, 8 SEP 2003 17:20:33 -0500
-------------------------------------------------------------------------------
From: <updates@getmovingtoday.com>
To: [Empfaenger]
Subject: Eby's Life Training
Date: MON, 8 SEP 2003 17:20:33 -0500
TITLE: gmt! | get movingtoday.com
[img src="http://www.visitgmt.com/email/gary/banner.jpg"]
Changing the "M's" to "B's"
Normally I send out a "Gary Eby Life Training"
message each weekend. Messages like "HUNG BY THE TONGUE",
"STAY FOCUSED", and "NEVER, EVER QUIT".
And, I want you to know that I appreciate all of the great
response I've received. But, this week, I'm
sending out a "Special Edition" midweek message.
During the recent Destiny 2003 Cruise, I had a lot of different
emotions. I kinda felt like a mosquito in a nudist colony.
I looked around and I knew it was wonderful to be there,
but I didn't know where to begin! So much to eat! And, I'm
not talking about the food ... I'm
talking about the fellowship, the insights of world-class
leaders, and the extraordinary roll outs of the new phase
two products. One product, for example, is the new Residential
Energy Management System. It's an energy saving device
that'll save residential homeowners a tremendous amount
of money. Saving money ... AND making money ... that's
what gmt! is all about. You can find out a lot more
on tonight's conference call. It's a day of new beginnings.
After 18 months of exponential, record breaking growth
... gmt! has indeed entered a new era. We've already
caused our industry to make a paridigm shift, but now our
$100,000,000 warmup is over! Now we're going to change
the "M's" to B's"! The "Millions"
will change to "Billions"!
I'm choosing my words carfully here because, as a
writer, I realize that in their excitement, people often
misuse words. Look at these examples of bad word choices:
"Martin Luther was nailed to the church door at Wittenberg
for selling papal indulgences. He died a horrible death
being excommunicated by a bull."
"William Shakespeare wrote tragedies, comedies, and
hysterectomies, all in Islamic Pentameter."
"Sir Francis Drake circumcised the world with a 100-foot
clipper."
"Abraham Lincoln was born in a log cabin he built
with his own hands. He wrote the Gettysburg address while
traveling from Washington to Gettysburg on the back of an
envelope."
And I love this newspaper headline ..."Toilet seats
stolen. Police have nothing to go on."
Bad choice of words! And again I'm choosing my words
carefully ... we WILL change the "M's"
to B's"! The "Millions" will change
to "Billions"!
But let's not be deceived. With great growth will
come great challenges. We have to be mentally tough!
Orel Hershiser attributes his success as a major league
pitcher to his ability to concentrate on the next pitch.
He says that he cannot afford to worry about an earlier
bad pitch, and he cannot afford to worry about the power
hitter sitting in the on-deck circle. His only hope for
survival as a major league pitcher is to concentrate solely
on the next pitch he is about to throw.
Bruce Jenner played several sports in high school, but
was never a star. How did he become an Olympic champion?
He says, "I honestly felt I was mentally tougher than
the guys I competed against in the Olympics, especially
in terms of coming up with a good performance in pressure
situations."
And, our growth will necessitate change. But change is
good ...
You see, people who refuse to change get left behind.
Look at these examples. Marshal Ferdinand Foch made this
brilliant statement in 1911: "Airplanes are interesting
toys, but they have no military value." And look what
Business Week wrote in 1958: " With over 50 foreign
cars already on sale here, the Japanese auto industry isn't
likely to carve out a big slice of the U.S. market."
They could not accept these inevitable changes.
Boy, did they miss it! You've got to make adjustments.
In the early 1970s the firefighters of Fairfax County, Virginia,
received new helmets. They were sharp looking, colorful,
size-adjustable, made of high-impact plastic, and scuff
resistant. There was only one problem with the helmets:
when they were worn near the heat of a fire, they melted.
This, of course, made them useless to firefighters; they
needed helmets that could take the heat. In the same way,
we need a faith that can take the heat ... a faith that
endures the fire and protects us in the midst of the blaze.
A faith that can accept change, make adjustment, and move
on!
Here's a recent change that will require adjustment
but it will be an amazing benefit. OSU has outgrown
its ability to serve the iAssociates. So, gmt! has
divided it into two easy to use sites. One site will
be called www.gmtmeetingplace.com. It will be for forums
and discussion groups only. The other site will be
called www.mygmt4me.com. It will have all of the tools,
tutorials, and iAssociate information. This will make navigation
of the sites much easier and make them a lot more simple
to use. You'll have to reregister at the gmt! meeting
place site. That will require an adjustment and a
change. But wow! What a benefit for you and your team!
This is only a small example of a change. There will be
others. But rest assured each and ever one will be
made to better serve you the iAssociates in the field.
You see, gmt! as a company must never ask you to do anything
we are not willing to do. We must be willing to make adjustments,
make changes, and move on just like you. That's the
only way we're going to change the "M's"
to B's"! The "Millions" to "Billions"!
To get your share you better be tough! Be a stud not a
dud! (Or a studette not a dudette)
The call will take place at 9:00 PM EST, 8:00 PM CST, 6:00
PM PST. Place your call to 512-225-3222 Code 687711#
Thanks,
Gary Eby
-------------------------------------------------------------------------------
Date: TUE, 9 SEP 2003 11:40:52 -0500
-------------------------------------------------------------------------------
From: updates@getmovingtoday.com
To: ama@ariplex.com
Subject: Letter From Brian Hooloway
Date: TUE, 9 SEP 2003 11:40:52 -0500
TITLE: Dear gmt family, friends, guest and exhausted CRUISE folks,
who got zero sleep after the big product announcement
Tonight's Conference Call Info
Time: 8:00 & 9:00 PM CST and 6:00 & 7:00 PM PST --
Phone: 512-225-3222 -- Code: 687711#
Brian's letter continued...
[http://www.visitgmt.com/email/brian/09082003.htm]
Click here for the first part
Have you ever met one of those people, who can
turn everything into a train wreck?
You know what I mean?
It's like that angry sales person, who does everything
wrong, and can't even get the presentation right, and breaks every sensible
rule of selling, and on top of this " they are late for appointments, they
cannot remember the prospect's name, they forget to even remember the product
benefits " and they are rude.
Ok...even that person can sell this product.
The gmt! EMS " is totally bullet proof.
Anyone can sell this.
In fact, I double dare you to go down to the local
coffee shop, and do everything in the world to NOT sell the
Energy Management System.
I want you to tell everyone in the room what this product
does " and then I want you to tell them not to buy it, and I want you to tell
them NOT to get in the business, and I want you to tell them that YOU don't
have a clue on how to sell it, and I want you to assure them that YOU will
not be giving them any back-up, no support, no training, no information "
and walk out of the room, WITHOUT giving them a card.
Guess what?
The gmt! Energy Management System will sell.
And let's just say, you are semi-rude, and you spend
the rest of the afternoon on the phone, convincing all your friends NOT to
buy the gmt! EMS...and then you start making your list on all the reasons
why this -deal" won't work, and that everything is all -messed up", and that
you are going to sit back and wait and see, and you are going to crank up
that ol' skeptical engine that chews up inspiration " and spits out frustration,
stress and despair...to the point where no one wants to be around YOU.
Guess what?
The gmt! EMS will still sell.
And let's say, this particular week you are extra grumpy,
telling another sad story why the gmt! EMS is a dumb product...and you
don't know how to sell it.
And just watch what will happen.
When you get 4 orders the first week " and sell 4 units,
and gmt! sends you a fast start bonus check of $1600.00.
And don't worry, if you don't get it " some of these
folks will.
(You should have seen everyone on the CRUISE when this
announcement was made. We went way past APPLAUSE!...that's how it started
out - then the more they listened and took notes...the quieter it got...you
could have heard a pin drop, except that people's hearts were beating so loud...and
then there was just this jaw dropped, stunned wide-eyed look...because everyone
could see how big the picture was.)
Well how much bigger is it?
Ten times bigger than before for sure.
Then Jim Fobair, from
California
, started explaining the compensation
plan " and everyone started cheering when Jim unveiled this massive wealth
building machine.
I mean, just think about it for just one minute " a
product that every household needs. (I don't know how Bruce managed to lock
it up so fast, talk about a high paced, forward thinking visionary.)
Anyway, I can't cover everything here, and I know I
am missing a bunch of stuff, so please, whatever you do, even if you have
to crawl over glass, drink castor-oil, drink orange juice after you eat Captain
Crunch " please get on the call.
DO NOT MISS OUT.
Don't be left on the OUTSIDE looking IN.
Ok, here are some more testimonials from the CRUISE.
Just, giving you the facts folks. And, I really did not even cover myhandpc,
and that's a home run, landslide victory, in itself...all by itself...1% market
penetration is 6 Billion with a B dollars.
Ok, here they are.
By the way, please forgive me for this letter being
kinda choppy, I've got tooth picks holding my eyes open right now...as if
anyone got any sleep on this cruise.
Seriously, you should have seen all the empty sunbathing
chairs on the deck, and all those CRUISE folks that bring you food and drinks
and whatever else...they were just standing around, wondering what to do.
Why?
Because everyone was inside, learning, building their
business and getting as much information as possible to get ready for TODAY's
massive announcements.
And, believe you me...I tried to stay up, until 4 a.m.
with Bruce to finish all those meetings...but I had to go to bed and get some
sleep, or at least try to. So, excuse me for being semi-selfish and grabbing
3 hours of sleep.
Slacker...I know.
Anyway, here are more testimonials.
Gotta run...Brian!
-There are no words to express
the joy of seeing great leadership, leading us into the future with products
like the one given to us on Thursday night. To be the first marketing to
receive such a great product is a once in a life time chance. When I came
here at the beginning of the CRUISE, I had questions I wanted answered - not
only did I get the answers " but I got a product that will be life changing
for many, many people. The only thing left to do for myself is get home and
go to work. I can hardly wait."
James Stuck,
Brighton, Illinois
--------
-Wow! This is something we
all can use and tell people about. This is a great new product for gmt!.
The best one yet. Very powerful. Big bucks for all of us. So this product
alone well set records again. I feel very blessed to be a part of gmt!."
Myrnal Stark,
Brighton, Illinois
--------
-I think this trip was the
best choice to make the gmt! family unite " finally people have had a chance
to see the big VISION. Myhandpc " this device will be the revolution of the
hardware market. Everybody will have benefits from it."
Varini Francesco (Warriors Group)
--------
-It was really an exciting
experience to see so many people from all around the world in the same place
with the same goal!! gmt! was able to create a TEAM spirit also in a business
opportunity " thanks Bruce and Melissa " I feel they are like brothers! I
think this product will be really helpful " not only for individuals but especially
" for firms and companies. It will be the revolution of the hardware market."
Roberto Rosi (Warriors Group), ITALY
--------
-I felt very honored to be
in the company aboard a ship with such committed leaders who are devoted to
God's mission for love. The new energy savings product sounds fantastic.
I can't wait to get home and tell my family and friends of how they can cut
their bills and help conserve our energy too. Thanks gmt! for going after
that one!"
Phyllis Franks
--------
-I'm here with my family and
I was happy to make the choice to bring with us my little child Nicholas.
He's only 2 ½ years old, but he was quiet during this trip and I think he
also has felt the love in our gmt! family. My great wife is the business
soul of our family " she is completely on fire for the new myhandpc."
Salvatore Legari
ITALY
--------
-I have really enjoyed the
time spent on the cruise. It has given us a chance to have lots of fun plus
grow stronger in our belief in gmt!. The praise and worship was so uplifting.
Barb and Chuck Snyder were great. Everyone enjoyed them so much. We have
been blessed to be on both of gmt!'s trips " looking forward to more. But
most of all gmt! has been a blessing to us. We are proud to be part of a
Christian Company " with such a vision for their iAssociates. Thank you Bruce.
We're very excited about the
EMS " We think it will help people with the rising cost of utilities.
We think it will help the country by saving on electricity. And bring money
faster to the iAssociates " just ONE sale will change a lot of lives. Plus
the total payout is awesome. People have the opportunity to change their
lives with this new product and combined with all the other products be able
to exceed all their dreams. Keep the VISIONS coming."
Sheila Gibbs and
Bobby Jones
--------
-The thing that impressed me
more is the TEAMWORK and I saw that a great company can work with an easy
method. I will think about all " but I am sure to be part of the company
and part of the future for sure. I think that the new product will change
the future of pc worldwide. Now I want to understand and when I come back
to ITALY ...maybe I will buy it!"
Rosalba Sparcour (Guest of the Warrior Group), ITALY
--------
-I'm happy to have had the
opportunity to attend the first international event of this great company.
I was surprised about the spirit and enthusiasm " that makes gmt! people so
close with each other. I will never forget this experience. I think this
product will be the revolution and everybody will want it. gmt! once again
is in time " gmt! is still the future."
Sabrina Ballerini (Warrior Group)
--------
-This cruise was totally awesome!
I had a chance to meet a lot of people not only from gmt! headquarters, but
many iAssociates. People that share the same goals and who have the vision
to see what an incredible mastermind plan that Mr. Bise has put together.
I am working gmt! pretty much full time, and the time I spent on this cruise
has not only motivated me more than before, but has renewed my commitment
and belief."
-------
-I have been in the energy
conservation and renewable energy industry since 1976. I have a firm belief
that our country needs to cut our dependence on foreign oil to preserve our
energy and future for our children & future generations. We all have
a responsibility to conserve and reduce our energy consumption, not only for
the service of this country, but also to protect our environment. This product
addresses both of these issues. I have a patriotic responsibility to share
this product with everyone. If all of us get committed to this we have a
chance to make an incredible impact in the future of our country."
Richard Ballard
--------
-It was a very enthusiastic
life experience " that permitted me to know the great family of gmt! Big Family.
Big Company. Big People. The new product will be the explosion of gmt! in
the world."
Claudo Benvemuti
--------
-For me it was my best human
experience in a business trip! I never seen before something similar " great
people, great company, a lot of love and the bigger project " thanks gmt!
Myhandpc will change the world! Huge Marketglobal market " the Dream is
close! Thanks Bruce and Melissa! It's a promise " me and Stephania will
try our best to help you to make gmt! great! Always more " BIG and STRONG."
Diego Benevelli
--------
I'm in gmt! from the beginning
" we've celebrated the 1st birthday of the group here on the ship!!
I don't have enough words to describe how important it was to spend the time
together " with people from around the world and feel the -REAL SPIRIT OF
gmt!! " great moments! What a privilege to be part of gmt!!! " THANKS BRUCE
for giving us the strength to continue the DREAM! Myhandpc!!! I believe
this product will be really the 2nd revolution and the best opportunity
for a good re-start. A new era in all Europe and not only in ITALY!
We're really part of a blessed company " thank God!!"
Stefani Gamba
--------
-This for me was an unbelievable
experience. I had the chance to have fun " to know this fantastic company
and to share with the President " Bruce Bise, the VISION and the DREAMS.
I am proud to be here and I will join soon " when I go back to Italy
to be part of the best MLM
Company of the new millennium. Thank God " thanks gmt!!. The new product
will change the world. I am happy to have the opportunity and the privilege
to sell it in this phenomenal market. If I think about the potential " I
cannot sleep! Wonderful."
Claudio Mancinellu (Warrior Group Guest), ITALY
--------
gmt! is a wonderful company.
I'm so happy to have had the opportunity to know Bruce and Melissa, great
CRUISE, excellent experience. Glad to be in gmt!. Myhandpc product...I think
will be a success. I will be happy to let people know in Italy."
Lassaro Montini
--------
What can I say? Wonderful!!!
" The best opportunity of my life!! Great company, great president, great
people " and a lot of Love! Thank God for this important moment " usually
in my group I'm called -THE SMILE" " and in this cruise, I share my smile
with everybody. Gmt! is the future for me! Everyday is the beginning in gmt!"
Sviona Noci (The Warrior Group)
--------
To submit your testimony, send an email to
[mailto:testimonies@getmovingtoday.com]
-------------------------------------------------------------------------------
Date: WED, 10 SEP 2003 20:40:54 -0500
-------------------------------------------------------------------------------
From: <updates@getmovingtoday.com>
To: [Empfaenger]
Subject: RE: Cross Roads
Date: WED, 10 SEP 2003 20:40:54 -0500
TITLE: the vision of gmt
[img src="http://www.visitgmt.com/images/bruce_bise.jpg"]
Cross Roads
Many people have faced
cross roads in their lives. Cross Roads filled with challenges. In 2002 gmt!
began with Faith, Hope and a Vision that set the course for myself, my family
and many others that would be touched by the Vision. With humble
beginnings and support of Friends a BIRTH of a new kind of company
began in spring of 2002.
As a company we find
ourselves at a Cross Road, one of the challenges we have faced was
fraudulent checks and ACH's being cashed through our bank account.
You may view some of the fraudulent checks at
[http://www.visitgmt.com/gmtinfo/]
So, for every action in life their is a reaction, and the reaction caused
by this occurrence has been a strain on our relationships with
our other financial institutions. This has resulted in a loss of
flexibility to expand and advance new projects, and to continue to
advance and support the rapid growth we originally experienced.
In the middle of our
determination to fulfill the vision and work through these challenges
we have had a serious attack from two of our strategic alliances.
One has been with the company from the first few weeks of existence.
This person has claimed that they have not been properly compensated,
for their services, yet they have been compensated for more than
$432,000.00 not counting, their iAssociate income. The 2nd
person, had determined that the company's management team should be
restructured with a larger management role being played by this
particular individual. They have also stated that they should have been
paid additional compensation after receiving over $1,000,000.00
from gmt.
What has been totally
amazing through this whole process, is that you our iAssociates and
extended gmt family, who have made gmt what it is today, have been
incredibly supportive. Approximately, 8 years ago, through the
undeserved mercy of God an
actual death of who I was, and rebirth of the person I could be, began.
A birth whether it be personal or a birth of a company is never easy
and usually comes with both pain and joy. As I listened and shared with
many of you on the cruise, I heard some of you searching for answers, not
only from gmt! but from your hearts as well. I was personally touched as
some of you gave testimony to how God has changed your lives. I
felt your words in so many ways as it spurred my Soul to let you know
that as a Leader of this company I too, have been blessed and touched
by the hand of God to change me into the man I am today. From a
broken man with no hopes and dreams to someone of Faith, Hope and a
need to share the blessings that God gives me.
So, it is with heavy
heart that I tell you that we are being forced as a company to make
some very painful decisions, unfortunately the set of circumstances
surrounding these decisions are beyond our control. We have
filed for reorganization under chapter 11 bankruptcy. We will
pursue all legal action against the parties who
have conspired to harm gmt. Those that have harmed gmt have
directly harmed you.
Effective today we are
beginning the process of reorganizing the company. We will be
providing you with additional information that will keep you informed
at [http://www.visitgmt.com]
As much as I would like to talk to each and everyone of you
personally, on the advise of legal counsel I am unable to do so.
As an alternative I have provided a streaming video presentation for
you to view at [http://www.gmttv.com]
Bruce Bise
-------------------------------------------------------------------------------
Der größte Betrug in der Geschichte des MLM?
Mehr als 100 Millionen Dollar vernichtet: 50 Millionen von den Bises
persönlich, und 50 weitere mehr als Millionen Dollar
außer Landes geschafft...
In einer Email, die auf der Seite
http://www.angelfire.com/stars3/bizland/gmt.html
wiedergegeben wird, schildert Carolyn Jarrell die Lage aus ihrer Sicht:
-------------------------------------------------------------------------------
From: Carolyn Jarrell
Sent: Tuesday, October 07, 2003 2:06 PM
Subject: GMT Concerns
Hello Everyone,
This letter is written with regret and humility. I do ask
everyone's forgiveness for lending my influence to the
largest worldwide scam in our history.
This is the scenario:
Bruce is divinely led to begin the company and the plan
came from God. At just the right moment God directed
him to begin and my son, Doyle Arender, at just the right
time....had money to finance the company.
(Later we find out that he planned it all in prison in Arizona,
waiting for the time when he would be released to lead a new
and different life, and plan for the time when someone could
be duped into financing him.)
I am quite certain that the story (which will most likely be aired
on Dateline and 60 Minoutes) will far exceed any scam issues ever
addressed.
We knew something was awry when my daughter in law, Tina,
the CFO of the company left because of not being able to get bank
records from Melissa (Bruces's sister).
I don't blame her. If I were Melissa I would not turn anything over
to the CFO either. Especially when she and her family were
confiscating millions upon millions of dollars to be sent offshore
before they "filed" bankruptcy. Of course the truth is, they didn't
file bankruptcy. They withdrew it.
One of the shames of this entire thing is it was done in the name
of the Lord. It used the Prayer of Jabez as an example of a
simple man who made a difference. Some people have used
this prayer and pray it every day thinking some magic is going to
happen so they can be rich. However, we did not think this was
his intent.
But churches, ministers, thousands upon thousands of people
were deceived. Our congregation (almost in entirety) joined...
groups within the congregation joined.
So we were "ripped off" so to speak.
Oh yes, I made some money. Bruce told me that since I was
one of the first, and Doyle and he were the original owners, that
half the company was under me..but the figures did not prove that.
BUT WHAT I AM CONCERNED ABOUT MOST OF ALL,
IS ALL THE PEOPLE WHO REALLY DID NOT HAVE THE
MONEY TO INVEST....INVESTED IN A TERRIBLY DECEITFUL SCAM.
Plenty of the "high rollers" made the top charts...
people who had built in
downlines and people who could afford to pay the way
in for people who worked for them....
Then there were those with very shady pasts......such as Jim Fobear
and John VanDuerzen. I was informed that Jim Fobear had some
problems, but they were all straightened out...and he did not have
a foot in the company anyway. John VanDuerzen has
been prosecuted in Canada for former endeavors.
When Doyle left the company, others were informed no to
communicate with him. Bruce said that was a lie....but it
was not a lie, and some of Doyle's friends continued their
contact with him. Too many reported the same message..
"Do not communicate with him." Bruce and company were
getting ready for the big heist. Now Melissa had another
game going...in that she refused to share the mail with the
CFO...specifically the bank statements. She did her part
to try to squeeze out anyone who would interfere with
the scheme. Her "illness" was at the appropriate time to
deceive and divide peole's thinking so they would not be
hard on them when the supposed "bankrupcy" occurred.
(AGAIN,THERE IS NO BANKRUPTCY).
Now the leaders and owners are facing prison. The FBI
already has enough information and they are going after them.
The lawyer who is working with them, is also doing a Class
Action Lawsuit for our people. In order to hope to retrieve
money invested and compensation, you need to notify everyone
in your downline, and get the form to fill out. It will cost you
nothing. You will send you ID numbers to him by fax.
Another thing, this new "reputable" company which has been
in existence for ten years and just "happened" to come along at the
right time...didn't "just happen" to come along at the right time.
The history is bad, and it does this for alot of companies selling
the same products under different labels. Another thing: Do
you want to be a part of a company who has as some of it's leaders
the very ones who will be facing prison time along with the Bice's?
The lawyer is Lawrence Tackett and his telephone number is
(281) 419-2626. His e-mail is LawTackett@aol.com . He will
send you a form to fill out and you will need to fax it in with
your ID numbers.
All the time we were not receiving pacesetter bonuses and we
made less and less money, even though we worked hard, the
Bice's were living "high on the hog" spending about fifty million
dollars and more than that sent offshore.
I am so sorry that I fell for it, and that I influenced others.
At first, I thought, "Well they started off right, and just got off
track"...but it was planned all the way back to when Bruce
was in prison. What a shame.
Sincerly,
Carolyn Jarrell
-------------------------------------------------------------------------------
(gezipptes Beweisstück : ama_gm19.zip)
)
Ein wirklich bemerkenswertes Beweisstück...
(Die deutsche Übersetzung finden Sie dort:
http://www.mlm-beobachter.de/gmt/gmt7.htm)
So, wie Carolyn Jarrell es beschreibt, war sie mitten im Zentrum der Macht,
die halbe Firma unter ihr (jedenfalls sagte ihr Bruce Bise das angeblich) -
und Doyle Arender, ihr Sohn, war der Geldgeber beim Start gewesen ... und
war 50%-iger Besitzer von "gmt".
Die Bises sollen 50 Millionen Dollar verpraßt haben. Und sie sollen
darüber hinaus (!) noch einmal mehr als 50 Millionen Dollar außer
Landes geschafft haben. Die Darstellung weicht von anderen dadurch ab,
daß Namen falsch geschrieben sind, und daß behauptet wird, der
Konkursantrag wäre zurückgezogen worden ("withdrawn").
Die Hoffnungen auf jegliche (!) Rückerstattung von Geld an die betrogenen
Käufer dürften vergeblich sein, siehe unten...
Mehr als 100 Millionen Dollar vernichtet...
Von Anfang an waren im Zentrum Personen involviert, die schon mit dem Gesetz
in Konflikt gekommen waren. Unbekannt dürfte dies wohl keiner der
Personen des Zentrums gewesen sein...
Grund für die vielen religiösen Gruppen und Einzelpersonen in der
Liste dürfte Religion sein: Doyle Arender ("Reverend Doyle
Arender") war offensichtlich Kern einer Gemeinde, die er in die Sache
hineingezogen hat - was dann für weitere Personen der Anlaß war,
ebenfalls einzusteigen.
So dürften denn auch diese religiösen Wucherer ihre Strafe erhalten,
zum einen durch den Verlust ihres Geldes, zum anderen durch diejenigen, die
sie hineingerissen haben.
Vielleicht ist es sogar ganz gut, daß dieses Mal ein Kirchenmann eine
zentrale Rolle spielt... Bigotterie, Größenwahn und religiöse
Paranoia (alles Tautologien...) gehören ohne jede Gnade bestraft.
Konkursverfahren ...mangels Masse angelehnt!
http://www.worldwidescam.com/wwsbody.htm
hat ein wichtiges Dokument ausgegraben:
-------------------------------------------------------------------------------
1 of 1 DOCUMENT
***THIS DATA IS FOR INFORMATIONAL PURPOSES ONLY***
UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF TEXAS - DALLAS
In Re I-PROMOTION INC.
COUNTY: DALLAS
PETITIONER: I-PROMOTION INC.
71-0876071
1950 N STEMMONS FWY #2046
DALLAS, TX 75207
NUMBER: 0339255
FILED: 09/10/2003
TYPE: Chapter 11
STATUS: Dismissed
FIRST MEETING DATE: 10/06/2003
DISCHARGE/DISMISS DATE: 10/02/2003
HEARING TIME: 09:30 A.M.
HEARING LOCATION: T DALLAS RM 976
ATTORNEY: JOHN J LEWIS
2214 MAIN ST
DALLAS, TX 75201
PHONE NO: 214-754-0460
FIRM: LEWIS AND ASSOCS
ASSETS AVAILABLE FOR DISTRIBUTION: NO
-------------------------------------------------------------------------------
Übersetzt: Antrag nach Schutz nach "Chapter 11" gegen Zugriff der Gläubiger (gestellt am 10.9.2003) wurde am 2.10.2003 mangels Masse abgelehnt.
Die texanische Justiz hat mehrere Web-Seiten zum Thema Bankrott:
Public Information Series of the Bankruptcy Judges Division
Bankruptcy Terminology
http://www.txnb.uscourts.gov/attorney/bankruptcy_term.jsp
Reorganization Under The Bankruptcy Code - Chapter 11
http://www.txnb.uscourts.gov/general/ch_11_info.jsp
Links
http://www.txnb.uscourts.gov/general/links.jsp
-------------------------------------------------------------------------------
<quote>
Reorganization Under The
Bankruptcy Code - Chapter 11
Public Information Series of the Bankruptcy Judges Division
While the information presented herein is accurate as of the date of publication
,it should not be cited or relied upon as legal authority. This information should
not be used as a substitude for reference to the United States Bankruptcy Code
(title 11, United States Code) and the Bankruptcy Rules, both of which may be reviewed
at local law libraries, or to any local rules of practice adopted and disseminated by
each bankruptcy court. Finally, this fact sheet should not substitude for the advice
of competent legal counsel. For additional copies of this publication, please contact
the Bankruptcy Judges Division, Administrative Office of the United States Courts (202)
502-1900.
A case filed under chapter 11 of the United States Bankruptcy Code is
frequently referred to as a "reorganization" bankruptcy.
How Chapter 11 Works
A bankruptcy case commences when a bankruptcy
petition is filed with the bankruptcy court. Fed. R. Bankr. P. 1002. A
petition may be a voluntary petition, which is filed by the debtor, or
it may be an involuntary petition, which is filed by creditors that meet
certain requirements. 11 U.S.C. §§ 301, 303. A voluntary petition
should adhere to the format of Form 1 of the Official Forms prescribed
by the Judicial Conference of the United States. The Official Forms may
be purchased at legal stationery stores or download from the internet at
www.uscourts.gov. The voluntary petition will include standard information
concerning the debtor's name(s), social security number or tax identification
number, residence, location of principal assets (if a business), the debtor's
plan or intention to file a plan, and a request for relief under the appropriate
chapter of the Bankruptcy Code. In addition, the voluntary petition will
indicate whether the debtor qualifies as a small business as defined in
11 U.S.C. § 101(51C) and whether the debtor elects to be considered
a small business under 11 U.S.C. § 1121(e).
Upon the filing of a voluntary petition
for relief under chapter 11 or, in an involuntary case, the entry of an
order for such relief, the debtor automatically assumes an additional identity
as the "debtor in possession." 11 U.S.C. § 1101. The term refers to
a debtor that keeps possession and control of its assets while undergoing
a reorganization under chapter 11, without the appointment of a case trustee.
A debtor will remain a debtor in possession until the debtor's plan of
reorganization is confirmed, the debtor's case is dismissed or converted
to chapter 7, or a chapter 11 trustee is appointed. The appointment or
election of a trustee occurs only in a small number of cases. Generally,
the debtor, as "debtor in possession," operates the business and performs
many of the functions that a trustee performs in cases under other chapters.
11 U.S.C. § 1107(a).
A written disclosure statement and a plan
of reorganization must be filed with the court. 11 U.S.C. § 1121.
The disclosure statement is a document that must contain information concerning
the assets, liabilities, and business affairs of the debtor sufficient
to enable a creditor to make an informed judgment about the debtor's plan
of reorganization. 11 U.S.C. § 1125. The information required is governed
by judicial discretion and the circumstances of the case. The contents
of the plan must include a classification of claims and must specify how
each class of claims will be treated under the plan. 11 U.S.C. § 1123.
Creditors whose claims are "impaired," i.e., those whose contractual
rights are to be modified or who will be paid less than the full value
of their claims under the plan, vote on the plan by ballot. 11 U.S.C. §
1126. After the disclosure statement is approved and the ballots are collected
and tallied, the bankruptcy court will conduct a confirmation hearing to
determine whether to confirm the plan. 11 U.S.C. § 1128.
The Chapter 11 Debtor In Possession
While individuals are not precluded from
using chapter 11, it is more typically used to reorganize a business, which
may be a corporation, sole proprietorship, or partnership. A corporation
exists separate and apart from its owners, the stockholders. The chapter
11 bankruptcy case of a corporation (corporation as debtor) does not put
the personal assets of the stockholders at risk other than the value of
their investment in the company's stock. A sole proprietorship (owner as
debtor), on the other hand, does not have an identity separate and distinct
from its owner(s); accordingly, a bankruptcy case involving a sole proprietorship
includes both the business and personal assets of the owners-debtors. Like
a corporation, a partnership exists separate and apart from its partners.
In a partnership bankruptcy case (partnership as debtor), however, the
partners' personal assets may, in some cases, be used to pay creditors
in the bankruptcy case or the partners may, themselves, be forced to file
for bankruptcy protection.
Section 1107 of the Code places the debtor
in possession in the position of a fiduciary, with the rights and powers
of a chapter 11 trustee, and requires the performance of all but the investigative
functions and duties of a trustee. These duties are set forth in the Bankruptcy
Code and Federal Rules of Bankruptcy Procedure. 11 U.S.C. §§
1106, 1107; Fed. R. Bankr. P. 2015(a). Such powers and duties include accounting
for property, examining and objecting to claims, and filing informational
reports as required by the court and the United States trustee, such as
monthly operating reports. The debtor in possession also has many of the
other powers and duties of a trustee including the right, with the court's
approval, to employ attorneys, accountants, appraisers, auctioneers, or
other professional persons to assist the debtor during its bankruptcy case.
Other responsibilities include filing tax returns and filing such reports
as are necessary or as the court orders after confirmation, such as a final
accounting. The United States trustee is responsible for monitoring the
compliance of the debtor in possession with the reporting requirements.
It should be noted that railroad reorganizations
have specific requirements under subsection IV of chapter 11 which will
not be addressed here and that stock and commodity brokers are prohibited
from filing under chapter 11 and are restricted to chapter 7. 11 U.S.C.
§ 109(d).
The Small Business Debtor
A small business is defined by the Bankruptcy
Code as a person engaged in commercial or business activities (not including
a person that primarily owns or operates real property) that has aggregate
noncontingent, liquidated, secured, and unsecured debts that do not exceed
$2,000,000. 11 U.S.C. § 101(51C). If a debtor qualifies and elects
to be considered a small business under 11 U.S.C. § 1121(e), the case
is put on a "fast track" and treated differently than a regular chapter
11 case under the Code. For example, the appointment of a creditors' committee
and a separate hearing to approve the disclosure statement are not mandatory
in a small business case. 11 U.S.C. § 1102(a)(3). The court may conditionally
approve a disclosure statement, subject to final approval after notice
and a hearing and solicitation of votes for acceptance or rejection of
the plan. Thereafter, the disclosure statement hearing may be combined
with the confirmation hearing. 11 U.S.C. § 1125(f). In addition, the
debtor has a shortened period of time (100 days from the date of the order
for relief) within which only the debtor may file a plan. After the 100-day
period expires, any party in interest may file a plan; however, all plans
must be filed within 160 days from the date of the order for relief. 11
U.S.C. § 1121(e).
The Single Asset Real Estate Debtor
Another type of debtor for which these
are special provisions under the Bankruptcy Code is a single asset real
estate debtor. The term "single asset real estate" is defined as "a single
property or project, other than residential real property with fewer than
four residential units, which generates substantially all of the gross
income of a debtor and on which no substantial business is being conducted
by a debtor" other than operating the real property and which has aggregate
noncontingent liquidated secured debts of no more than $4,000,000. 11 U.S.C.
§ 101(51B). The Bankruptcy Code provides circumstances under which
creditors of a single asset real estate debtor may obtain relief from the
automatic stay which is not available to creditors in ordinary bankruptcy
cases. 11 U.S.C. § 362(d). On request of a creditor with a claim secured
by the single asset real estate and after notice and a hearing, the court
will grant relief from the automatic stay to the creditor unless the debtor
files a feasible plan of reorganization or begins making interest payments
to the creditor within 90 days from the date of the order for relief. The
interest payments must be equal to the current fair market interest rate
on the value of the creditor's interest in the real estate. 11 U.S.C. §
362(d)(3).
The Automatic Stay
The automatic stay provides a period of
time in which all judgments, collection activities, foreclosures, and repossessions
of property are suspended and may not be pursued by the creditors on any
debt or claim that arose before the filing of the bankruptcy petition.
As with cases under other chapters of the Bankruptcy Code, a stay of creditor
actions against the chapter 11 debtor automatically goes into effect when
the bankruptcy petition is filed. 11 U.S.C. § 362(a). The filing of
a petition, however, does not operate as a stay for certain types of actions
listed under 11 U.S.C. § 362(b). The stay provides a breathing spell
for the debtor, during which negotiations can take place to try to resolve
the difficulties in the debtor's financial situation.
Under specific circumstances, the secured
creditor can obtain an order from the court granting relief from the automatic
stay. For example, when the debtor has no equity in the property and that
property is not necessary for an effective reorganization, the secured
creditor can seek an order of the court lifting the stay to permit the
creditor to foreclose on the property, sell it, and apply the proceeds
to the debt. 11 U.S.C. § 362(d).
It should be noted that, although creditors
are stayed from action against the debtor unless relief is granted by the
court, section 331 of the Bankruptcy Code permits applications for fees
to be made by certain professionals during the case. Thus, a trustee, a
debtor's attorney, or any professional person appointed by the court may
apply to the court at intervals of 120 days for interim compensation and
reimbursement payments. In very large cases with extensive legal work the
court may permit more frequent applications. Although professional fees
may be paid pursuant to authorization by the court, the debtor cannot make
payments to professional creditors on prepetition obligations, i.e.,
obligations which arose before the filing of the bankruptcy petition. The
ordinary expenses of the ongoing business, however, continue to be paid.
Creditors' Committees
Creditors' committees can play a major
role in chapter 11 cases. The United States trustee, a federal employee
to be distinguished from a private case trustee or panel trustee, appoints
the committee, which ordinarily consists of unsecured creditors who hold
the seven largest unsecured claims against the debtor. 11 U.S.C. §
1102. The committee may consult with the debtor in possession on the administration
of the case, investigate the conduct of the debtor and the operation of
the business, and participate in the formulation of a plan. 11 U.S.C. §
1103. A creditor's committee may, with the court's approval, hire an attorney
or other professionals to assist in the performance of the committee's
duties. A creditors' committee can be an important safeguard to the proper
management of the business by the debtor in possession.
Who Can File A Plan
There is no specific statutory time limit
set for the filing of a plan; however, the debtor (unless a "small business"
debtor, as set out above) has a 120-day period during which it has an exclusive
right to file a plan. 11 U.S.C. § 1121(b). The debtor's exclusive
period in which to file a plan may be extended or reduced by the court.
After the exclusive period has expired, a creditor or the case trustee
may file a competing plan. The United States trustee may not file a plan.
11 U.S.C. § 307.
A chapter 11 case may continue for many
years unless the court, the United States trustee, the committee, or another
party in interest acts to ensure the case's timely resolution. The creditors'
right to file a competing plan provides incentive for the debtor to file
a plan within the exclusive period and acts as a check on excessive delay
in the case.
Avoidable Transfers
The debtor in possession or the trustee,
as the case may be, has what are called "avoiding" powers. Such powers
may be used to undo a transfer of money or property made during a certain
period of time prior to the filing of the bankruptcy petition. By avoiding
a particular transfer of property, the debtor in possession can cancel
the transaction and force the return or "disgorgement" of the payments
or property, which then are available to pay all creditors.
Generally,the power to avoid transfers is effective against transfers made within
90 days prior to the filing of the petition. However, transfers to insiders
(i.e., relatives, general partners, and directors or officers of
the debtor) made up to a year prior to filing can be avoided. 11 U.S.C.
§§ 101(31), 101(54), 547, 548. In addition, under 11 U.S.C. §
544, the trustee is given the authority to avoid transfers under applicable
state law, which often provides for longer time periods. Avoiding powers
are used, for example, to prevent unfair prepetition payments to one creditor
at the expense of all other creditors.
Cash Collateral, Adequate Protection, And Operating Capital
Although the preparation, confirmation,
and implementation of a plan of reorganization is at the heart of a chapter
11 case, other issues may arise which must be addressed by the debtor in
possession. The debtor in possession may use, sell, or lease property of
the estate in the ordinary course of its business, without prior approval,
unless the court orders otherwise. 11 U.S.C. § 363(c). If the intended
sale or use is outside the ordinary course of its business, the debtor
must obtain permission from the court. A debtor in possession may not use
"cash collateral," i.e., collections of accounts subject to security
interests or proceeds from the sale of pledged inventory or equipment,
without the consent of the secured party or authorization by the court
which must first examine whether the interest of the secured party is adequately
protected. 11 U.S.C. § 363.
When "cash collateral" is used (spent),
the secured creditors are entitled to receive additional protection under
section 363 of the Bankruptcy Code. Section 363 defines "cash collateral"
as cash, negotiable instruments, documents of title, securities, deposit
accounts, or other cash equivalents, whenever acquired, in which the estate
and an entity other than the estate have an interest. It includes the proceeds,
products, offspring, rents, or profits of property and the fees, charges,
accounts or payments for the use or occupancy of rooms and other public
facilities in hotels, motels, or other lodging properties subject to a
creditor's security interest. The debtor in possession must file a motion
requesting an order from the court authorizing the use of the cash collateral.
Pending consent of the secured creditor or court authorization for the
debtor's in possession's must segregate and account for all cash collateral
in its possession. 11 U.S.C. § 363(c)(4). A party with an interest
in property being used by the debtor may request that the court prohibit
or condition this use to the extent necessary to provide "adequate protection"
to the creditor.
Adequate protection may be required to
protect the value of the creditor's interest in the property being used
by the debtor in possession. This is especially important when there is
a decrease in value of the property. The debtor may make periodic or lump
sum cash payments, or provide an additional or replacement lien that will
result in the creditor's property interest being adequately protected.
11 U.S.C. § 361.
When a chapter 11 debtor needs operating
capital, it may be able to obtain it from a lender by giving the lender
a court-approved "superpriority" over other unsecured creditors or a lien
on property of the estate. 11 U.S.C. § 364.
Appointment Or Election Of A Case Trustee
Although the appointment of a case trustee
is a rarity in a chapter 11 case, a party in interest or the United States
trustee can request the appointment of a case trustee or examiner at any
time prior to confirmation in a chapter 11 case. The court, on motion by
a party in interest or the United States trustee and after notice and hearing,
shall order the appointment of a case trustee for cause, including fraud,
dishonesty, incompetence, or gross mismanagement, or if such an appointment
is in the interest of creditors, any equity security holders, and other
interests of the estate. 11 U.S.C. § 1104(a). The trustee is appointed
by the United States trustee, after consultation with parties in interest
and subject to the court's approval. Fed. R. Bankr. P. 2007.1. Alternatively,
a trustee in a case may be elected if a party in interest requests the
election of a trustee within 30 days after the court orders the appointment
of a trustee. In that instance, the United States trustee convenes a meeting
of creditors for the purpose of electing a person to serve as trustee in
the case. 11 U.S.C. § 1104(b).
The case trustee is responsible for management
of the property of the estate, operation of the debtor's business, and,
if appropriate, the filing of a plan of reorganization. Section 1106 of
the Code requires the trustee to file a plan "as soon as practicable" or,
alternatively, to file a report explaining why a plan will not be filed
or to recommend that the case be converted to another chapter or dismissed.
11 U.S.C. § 1106(a)(5).
The court, after notice and hearing, may,
at any time before confirmation, upon the request of a party in interest
or the United States trustee, terminate the trustee's appointment and restore
the debtor to possession and management of the property of the estate and
of the operation of the debtor's business. 11 U.S.C. § 1105.
The Role Of An Examiner
The appointment of an examiner in a chapter
11 case is rare. The role of an examiner is generally more limited than
that of a trustee. The examiner is authorized to perform the investigatory
functions of the trustee and is required to file a statement of any investigation
conducted. If ordered to do so by the court, however, an examiner may carry
out any other duties of a trustee that the court orders the debtor in possession
not to perform. 11 U.S.C. § 1106. Each court has the authority to
determine the duties of an examiner in each particular case. In some cases,
the examiner may file a plan of reorganization, negotiate or help the parties
negotiate, or review the debtor's schedules to determine whether some of
the claims are improperly categorized. Sometimes, the examiner may be directed
to determine if objections to any proofs of claim should be filed or whether
causes of action have sufficient merit so that further legal action should
be taken. An the examiner may not serve as a trustee. 11 U.S.C. §
321.
The United States Trustee Or Bankruptcy Administrator
In addition to the case trustee or examiner
and the creditors' committee, the United States trustee plays a major role
in monitoring the progress of a chapter 11 case and supervising its administration.
The United States trustee is responsible for monitoring the debtor in possession's
operation of the business, and the submission of operating reports and
fees. Additionally, the United States trustee monitors applications for
compensation and reimbursement by professionals, plans and disclosure statements
filed with the court, and creditors' committees. The United States trustee
conducts a meeting of the creditors, often referred to as the "section
341 meeting," in a chapter 11 case. 11 U.S.C. § 341. The United States
trustee and creditors may question the debtor under oath at the section
341 meeting concerning the debtor's acts, conduct, property, and the administration
of the case.
The United States trustee also imposes
certain requirements on the debtor in possession concerning matters such
as reporting its monthly income and operating expenses, the establishment
of new bank accounts, and the payment of current employee withholding and
other taxes. By law, the debtor in possession must pay a quarterly fee
to the United States trustee for each quarter of a year until the case
is converted or dismissed. 28 U.S.C. § 1930(a)(6). The amount of the
fee, which may range from $250 to $10,000, depends upon the amount of the
debtor's disbursements during each quarter. Should a debtor in possession
fail to comply with the reporting requirements of the United States trustee
or orders of the bankruptcy court or fail to take the appropriate steps
to bring the case to confirmation, the United States trustee may file a
motion with the court to have the debtor's chapter 11 case converted to
a case under another chapter of the Code or to have the case dismissed.
It should be noted that in North Carolina
and Alabama, bankruptcy administrators perform similar functions that United
States trustees perform in the remaining forty-eight states. The bankruptcy
administrator program is administered by the Administrative Office of the
United States Courts, while the United States trustee program is administered
by the Department of Justice. For purposes of this fact sheet, references
to United States trustees are also applicable to bankruptcy administrators.
Motions
Prior to confirmation of a plan, there
are several activities that may take place in a chapter 11 case. The continued
operation of the debtor's business may lead to the filing of a number of
contested motions. The most common are those seeking relief from the automatic
stay, the use of cash collateral, or to obtain credit. There may also be
litigation over executory (i.e., unfulfilled) contracts and unexpired
leases and the assumption or rejection of those executory contracts and
unexpired leases by the debtor in possession. 11 U.S.C. § 365. Delays
in formulating, filing, and obtaining confirmation of a plan often prompt
creditors to file motions for relief from stay or motions to convert the
case to a chapter 7 or to dismiss the case altogether.
Adversary Proceedings
Frequently, the debtor in possession will
institute a lawsuit, known as an adversary proceeding, to recover money
or property for the estate. Adversary proceedings may take the form of
lien avoidance actions, actions to avoid preferences, actions to avoid
fraudulent transfers, or actions to avoid post petition transfers. Such
proceedings are governed by Part VII of the Federal Rules of Bankruptcy
Procedure. At times, a creditors' committee may be authorized by the bankruptcy
court to pursue these actions against insiders of the debtor if the plan
provides for the committee to do so or if the debtor has refused a demand
to do so. Creditors may also initiate adversary proceedings by filing complaints
to determine the validity or priority of a lien, to revoke an order confirming
a plan, to determine the dischargeability of a debt, to obtain an injunction,
or to subordinate a claim of another creditor.
Claims
A claim is a right to payment or a right
to an equitable remedy for a failure of performance if the breach gives
rise to a right to payment. 11 U.S.C. § 101(5). In some instances,
a creditor must file a proof of claim form along with documentation evidencing
the validity and amount of the claim. When proofs of claim are required
to be filed, creditors must file the proofs of claim with the bankruptcy
clerk in the district where the case is pending. The clerk is required
to keep a list of claims filed in a case when it appears that there will
be a distribution to unsecured creditors. Fed. R. Bankr. P. 5003(b). Most
creditors whose claims are scheduled (i.e., claims listed by the
debtor on the debtor's schedules), but not listed as disputed, contingent,
or unliquidated, need not file claims because the schedule of liabilities
is deemed to constitute evidence of the validity and amount of those claims.
11 U.S.C. § 1111. Any creditor whose claim is not scheduled or is
scheduled as disputed, contingent, or unliquidated, must file a proof of
claim in order to be treated as a creditor for purposes of voting on the
plan and distribution under it. Fed. R. Bankr. P. 3003(c)(2). If a scheduled
creditor chooses to file a claim, a properly filed proof of claim supersedes
any scheduling of that claim. Fed. R. Bankr. P. 3003(c)(4). It is the responsibility
of the creditor to determine whether the claim is accurately listed. The
debtor must provide notification to those creditors whose names are added
and whose claims are listed as a result of an amendment to the schedules.
The notification also should advise such creditors of their right to file
proofs of claim and that their failure to do so may prevent them from voting
upon the debtor's plan of reorganization or participating in any distribution
under that plan. When a debtor amends the schedule of liabilities to add
a creditor or change the status of any claims to disputed, contingent,
or unliquidated claims, the debtor must provide notice of the amendment
to any entity affected. Fed. R. Bankr. P. 1009(a).
Equity Security Holders
An equity security holder is a holder of
an equity security of the debtor. Examples of an equity security are a
share in a corporation, an interest of a limited partner in a limited partnership,
or a right to purchase, sell, or subscribe to a share, security, or interest
of a share in a corporation or an interest in a limited partnership. 11
U.S.C. §§ 101(16), (17). An equity security holder may vote on
the plan of reorganization and may file a proof of interest, rather than
a proof of claim. A proof of interest is deemed filed for any interest
that appears in the debtor's schedules, unless it is scheduled as disputed,
contingent, or unliquidated. 11 U.S.C. § 1111. An equity security
holder whose interest is not scheduled or scheduled as disputed, contingent,
or unliquidated must file a proof of interest in order to be treated as
a creditor for purposes of voting on the plan and distribution under it.
Fed. R. Bankr. P. 3003(c)(2). A properly filed proof of interest supersedes
any scheduling of that interest. Fed. R. Bankr. P. 3003(c)(4). Generally,
most of the provisions that apply to proofs of claim, as discussed above,
are also applicable to proofs of interest.
Conversion Or Dismissal
A debtor in a case under chapter 11 has
a one-time absolute right to convert the chapter 11 case to a case under
chapter 7 unless (1) the debtor is not a debtor in possession, (2) the
case originally was commenced as an involuntary case under chapter 11,
or (3) the case was converted to a case under chapter 11 other than at
the debtor's request. 11 U.S.C. § 1112(a). A debtor in a chapter 11
case does not have an absolute right to have the case dismissed upon request.
Generally, upon the request of a party
in interest in the case or the United States trustee, after notice and
hearing and "for cause," the court may convert a chapter 11 case to a case
under chapter 7 or dismiss the case, whichever is in the best interest
of creditors and the estate. 11 U.S.C. § 1112(b).
The court may convert
or dismiss a case "for cause" when there is a continuing loss to the estate,
an inability to effectuate a plan, unreasonable delay that is prejudicial
to creditors, denial or revocation of confirmation, or inability to consummate
a confirmed plan.
There are important exceptions to the conversion
process in a chapter 11 case. One exception is that, unless the debtor
requests the conversion, section 1112(c) of the Code prohibits the court
from converting a case involving a farmer or charitable institution to
a liquidation case under chapter 7.
The Disclosure Statement
The filing of a written disclosure statement
is preliminary to the voting on a plan of reorganization, and the disclosure
statement must provide "adequate information" concerning the affairs of
the debtor to enable the holder of a claim or interest to make an informed
judgment about the plan. 11 U.S.C. § 1125. After the disclosure statement
is filed, the court must hold a hearing to determine whether the disclosure
statement should be approved. Acceptance or rejection of a plan cannot
be solicited without prior court approval of the written disclosure statement.
11 U.S.C. § 1125(b). After the disclosure statement has been approved,
the debtor or proponent of a plan can begin to solicit acceptances of the
plan, and creditors may also solicit rejections of the plan. Fed. R. Bankr.
P. 3017(d) requires that, upon approval of a disclosure statement, the
following must be mailed to the United States trustee and all creditors
and equity security holders: (1) the plan, or a court approved summary
of the plan; (2) the disclosure statement approved by the court; (3) notice
of the time within which acceptances and rejections of the plan may be
filed; and (4) such other information as the court may direct, including
any opinion of the court approving the disclosure statement or a court-approved
summary of the opinion. Fed. R. Bankr. P. 3017(d). In addition, the debtor
must mail to the creditors and equity security holders entitled to vote
on the plan or plans (1) notice of the time fixed for filing objections;
(2) notice of the date and time for the hearing on confirmation of the
plan; and (3) a ballot for accepting or rejecting the plan and, if appropriate,
a designation for the creditors to identify their preference among competing
plans.Id. However, in a small business case, the court may conditionally
approve a disclosure statement subject to final approval after notice and
a combined disclosure statement/plan confirmation hearing. 11 U.S.C. §
1125(f).
Acceptance Of The Plan Of Reorganization
As noted earlier, during the first 120-day
period after the filing of the voluntary bankruptcy petition, which filing
also acts as the order of relief, only the debtor in possession may file
a plan of reorganization. The debtor in possession has 180 days after the
filing of the voluntary petition (or in a case commenced by an involuntary
petition, after the order for relief) to obtain acceptances of the plan.
11 U.S.C. § 1121. For cause, the court may extend or reduce this exclusive
period. 11 U.S.C. § 1121(d). The exclusive right of the debtor in
possession to file a plan is lost and any party in interest, including
the debtor, may file a plan if and only if (1) a trustee has been appointed
in the case, (2) the debtor has not filed a plan within the 120-day exclusive
period or any extension granted by the court, or (3) the debtor has not
filed a plan which has been accepted by each class of claims or interests
that is impaired under the plan within the 180-day period or any extensions
granted by the court. 11 U.S.C. § 1121.
If the exclusive period expires before
the debtor has filed and obtained acceptance of a plan, other parties in
interest in a case, such as the creditors' committee or a creditor, may
file a plan. Such a plan may compete with a plan filed by another party
in interest or by the debtor. If a trustee is appointed, the trustee is
responsible for filing a plan, a report of why the trustee will not file
a plan, or a recommendation for the conversion or dismissal of the case.
11 U.S.C. § 1106(a)(5). A proponent of a plan is subject to the same
requirements as the debtor with respect to disclosure and solicitation.
It should be noted that, in a chapter 11
case, a liquidating plan is permissible. Such a plan often allows the debtor
in possession to liquidate the business under more economically advantageous
circumstances than a chapter 7 liquidation. It also permits the creditors
to take a more active role in fashioning the liquidation of the assets
and the distribution of the proceeds than in a chapter 7 case.
Section 1123(a) of the Bankruptcy Code
lists the mandatory provisions of a chapter 11 plan and section 1123(b)
lists the discretionary provisions. Section 1123(a)(1) provides that a
chapter 11 plan shall designate classes of claims and interests for treatment
under the reorganization. Generally, a plan will classify claim holders
as secured creditors, unsecured creditors entitled to priority, general
unsecured creditors, and equity security holders.
Under section 1126(c) of the Code, an entire
class of claims accepts a plan if the plan is accepted by creditors that
hold at least two-thirds in amount and more than one-half in number of
the allowed claims in the class. Under section 1129(a)(10), if there are
impaired classes of claims, the court cannot confirm a plan unless it has
been accepted by at least one class of non-insiders who hold impaired claims
(i.e., claims that are not going to be paid completely or in which
some legal, equitable, or contractual right is altered). Moreover, under
section 1126(f), holders of unimpaired claims are deemed to have accepted
the plan.
Under section 1127(a) of the Bankruptcy
Code, the proponent may modify the plan at any time before confirmation,
but the plan as modified must meet all the requirements of chapter 11.
Federal Rule of Bankruptcy Procedure 3019 provides that, when there is
a proposed modification after balloting has been conducted and the court
finds after a hearing that the proposed modification does not adversely
affect the treatment of any creditor who has not accepted the modification
in writing, the modification shall be deemed to have been accepted by all
creditors who previously accepted the plan. If it is determined that the
proposed modification does have an adverse effect on the claims of nonconsenting
creditors, then another balloting must take place.
Because more than one plan may be submitted
to the creditors for approval, Federal Rule of Bankruptcy Procedure 3016(b)
requires that every proposed plan and modification be dated and identified
with the name of the entity or entities submitting such plan or modification.
When competing plans are presented and meet the requirements for confirmation,
the court must consider the preferences of the creditors and equity security
holders in determining which plan to confirm.
Any party in interest may file an objection
to confirmation of a plan. The Bankruptcy Code requires the court, after
notice, to hold a hearing on the confirmation of a plan. If no objection
to confirmation has been timely filed, the Code allows the court to determine
that the plan has been proposed in good faith and according to law. Fed.
R. Bankr. P. 3020(b)(2). Before confirmation can be granted, the court
must be satisfied that there has been compliance with all the other requirements
of confirmation set forth in section 1129 of the Code, even in the absence
of any objections. In order to confirm the plan, the court must find that
(1) the plan is feasible, (2) it is proposed in good faith, and (3) the
plan and the proponent of the plan are in compliance with the Code. In
addition, the court must find that confirmation of the plan is not likely
to be followed by liquidation or the need for further financial reorganization.
The Discharge
While some courts have a practice of issuing
a discharge order in a case involving an individual, a separate order of
discharge is usually not entered in a chapter 11 case. Section 1141(d)(1)
specifies that the confirmation of a plan discharges the debtor from any
debt that arose before the date of confirmation. After the plan is confirmed,
the debtor is required to make plan payments and is bound by the provisions
of the plan of reorganization. The confirmed plan creates new contractual
rights, replacing or superseding pre-bankruptcy contracts.
There are, of course, exceptions to the
general rule that an order confirming a plan operates as a discharge. Confirmation
of a plan of reorganization will discharge any type of debtor --- corporation,
partnership, or individual --- from most types of prepetition debts. It
does not, however, discharge an individual debtor from any debt made nondischargeable
by section 523 of the Bankruptcy Code. Confirmation does not discharge
the debtor if the plan is a liquidation plan, as opposed to one of reorganization,
and the debtor is not an individual. When the debtor is an individual,
confirmation of a liquidation plan will effect a discharge unless grounds
would exist for denying the debtor a discharge if the case were proceeding
under chapter 7 instead of chapter 11. 11 U.S.C. §§ 1141(d)(2),
727(a).
Postconfirmation Modification Of The Plan
At any time after confirmation and before
"substantial consummation" of a plan, the proponent of a plan may modify
a plan if the modified plan would meet certain Bankruptcy Code requirements.
11 U.S.C. § 1127(b). This should be distinguished from preconfirmation
modification of the plan. A modified postconfirmation plan does not automatically
become the plan. A modified postconfirmation plan in a chapter 11 case
becomes the plan only "if circumstances warrant such modification" and
the court, after notice and hearing, confirms the plan as modified pursuant
to chapter 11 of the Code.
Postconfirmation Administration
Federal Rule of Bankruptcy Procedure 3020(d)
provides that, "[n]otwithstanding the entry of the order of confirmation,
the court may issue any other order necessary to administer the estate."
This authority would include the postconfirmation determination of objections
to claims or adversary proceedings which must be resolved before a plan
can be fully consummated. Sections 1106(a)(7) and 1107(a) of the Bankruptcy
Code require a debtor in possession or a trustee to report on the progress
made in implementing a plan after confirmation. A chapter 11 trustee or
debtor in possession has a number of responsibilities to perform after
confirmation, including consummating the plan, reporting on the status
of consummation, and applying for a final decree.
Revocation Of The Confirmation Order
A revocation of the confirmation order
is an undoing or cancellation of the confirmation of a plan. A request
for revocation of confirmation, if made at all, must be made by a party
in interest within 180 days of confirmation. The court, after notice and
hearing, may revoke a confirmation order "if and only if [the confirmation]
order was procured by fraud." 11 U.S.C. § 1144.
The Final Decree
A final decree closing the case must be
entered after the estate has been "fully administered." Fed. R. Bankr.
P. 3022. Local bankruptcy court policies may determine when the final decree
should be entered and the case closed.
</quote>
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Aribert Deckers
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