s - s Qmar Rashad Turral, Renee Meeks, Latonia Cromartie, Melinda Renee Tyner, a/k/a Little Renee, James Patterson, Jewel Williams, Sidney Williams and others, known and unknown, to commit. certain offenses against the United States, including the following : (a) To knowingly execute and attempt to execute a scheme and artifice to defraud insured depository financial institutions, as defined in Title 18, United States Code, Section 20, by knowingly submitting and causing to be submitted materially false IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF GEORGIA DEC 14 2004 ATLANTA DIVISION LUTHER D . 1Cln k W-' Uw~IS`~C Ie UNITED STATES OF AMERICA CRIMINAL INDICTMENT V . NO . 1 :44-CR-224-TWT CHALANA C . MCFARLAND, (Superseding) THE GRAND JURY CHARGES THAT : COUNT 1 (Conspiracy) 1 . Between in or about mid 1999 and in or about late 2002, in the Northern District of Georgia, and elsewhere, defendant CHALANA G . MCF'ARLAND did willfully, knowingly and unlawfully combine, conspire, confederate, agree and have a tacit understanding with Brenda G . Brown, Lisa R . Bellamy, Judith' H . "Judy" Hooper, a/k/a Jerry Dale Hunter, Lupita McCarthy, Melvin Howard Quillen,, Thomas Christopher Davis, Sr ., Brandon G . Wilhite,
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FOR THE NORTHERN DISTRICT OF GEORGIA DEC 14 …mortgagefraudblog.com/images/uploads/McFarland_Superceding... · s - s Qmar Rashad Turral, Renee Meeks, Latonia Cromartie, Melinda Renee
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and 7/10/00, payable td Sea Breeze Design negotiated
N5
110
through Sea Breeze account at Citizens Trust Bank
111 8/21/00 $68,045 .28 law firm check, dated 7/27/00 payable to Sea
Breeze Design negotiated through Sea Breeze account at
Citizens Trust Bank
112 12/1/99 $4,000 check payable to Lisa Bellamy drawn on Sea Breeze
FNUB account, negotiated at .bank with cash proceeds
provided to defendant MCFARLAND
113 12/6/99 $4,040 check payable to Brenda Brawn drawn on Sea Breeze
FNUB account, negotiated at bank with cash proceeds
provided to defendant NiCFARLAND
114 12/28J99 $4,000 check payable to Brenda Brown drawn on Sea Breeze
FNLTB account, negotiated at,bank with cash proceeds
provided to defendant MCFARLAND
115 2/17/00 $4,000 check payable to Brenda Brown drawn an Sea Breeze
FNUB account, negotiated at bank with cash proceeds
delivered to defendant MCFARLAND
116 11/26/99 $27,500 law firm check, payable to BGB Construction
negotiated through the BGB account at Wachovia Bank
117 12/23/99 $].,400 law firm check payable to BGB Construction
negotiated through BGB account at Wachovia Bank
118 1/3/00 $30,002 .14 law firm check payable to BGB Construction
negotiated through BGB account at wachovia Bank
119 1/12/fl0 $68,000 law firm check, dated 1/1/04, payable to BGB
Construction negotiated through the BGB account at
Wachovia Bank
124 1/18/00 $16,034 .98 law firm check, dated 1/14/00, payable to BGB
Construction negotiated through the BGB account at
wachovia Bank
121 2/7/00 $37,969 .15 law firm check, dated 2/6/00, payable to BGB
Construction negotiated through the BGB account at Wachovia Bank
122 5/26/00 $65,998 .08 law firm check, dated 5/26/00, payable to
Household Management negotiated through Household account
at Bank of America
123 7/21/00 $7&,778 .49 law firm check payable to Household Management
negotiated through Household account at Bank of America
124 10/11/00 $53,579 law firm check, dated 10/3/x0, payable to
Household Management negotiated through Household account
at Bank of America
125 11/6/00 $106,898 .95 law firm check, dated 11/6/00, payable to BGB
Construction cashed out at the bank by Brown
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COUNT DATE FINANCIAL TRANSACTIONS
126 12/20/00 $67,760 and $6,833 .55 law firm checks, dated 12/1/00 and
12/13/00, payable to Household Management negotiated
through Household account at Bank of America
127 S/12/00 6 law firm checks payable to Quiilen for $9,500, $9,000,
$9,756 .22, $9,000, $9,000 & $9,500 cashed out by Quillen
at bank
128 5/15/00 $7,734 law firm check payable to Quillen cased out at
bank
129 1x/3/00 $9,700 & $9,543 .87 law firm checks payable to Quillen
cashed out at bank
130 5/4/00 $32,916 .51 haw firm check payable to The Cromartie Group
negotiated through bank
131 7/24/00 $26,473 .67 law firm check payable to The Cromartie Group
negotiated through bank
132 7/28/00 $49,547 law firm check payable to Cromartie Group negotiated through bank
133 8/17/00 $40,000 law firm check payable to The Cromartie Group negotiated through bank
134 B/24/00 $45,854 .72 law firm check payable to Cromartie Group
negotiated through bank
135 9/22/00 $33,735 .28 law firm check payable to the Cromartie Group
negotiated through bank
136 9/29/00 $58,562 .35, $51,966 .45 & $66,478 .03 haw firm checks payable to Cromartie Group negotiated through bank
137 10/11/00 $66,478 .03 law firm check payable to The Cromarite Group
used to purchase cashier's check at FUNB and $51,956 .45
law firm check negotiated through bank
138 11/2/D0 $60,000 law firm check payable . to The Cromartie Group
negotiated through bank
339 10/3/00 $50,934 .88 law firm check payable to Dunwoody Financial
negotiated through bank
140 1/3/OZ $59,987 .84 law firm check payable to Dunwoody Financial
negotiated through bank
141 3/10/00 $54,205 .74 law firm check, dated 3/9/00, payable to WRM Financial Services negotiated through WRM account at Hank of America
142 4/3/00 $17,719 .06 law firm check payable to WRM Financial Services negotiated through WRM account at Bank of
, America
48
COUNT DATA FINANCIAL TRANSACTIONS
143 6/8/00 $60,888 .14 haw firm check, dated 6/6/00, payable to WRM Financial Services negotiated through wRM account at Bank
of America
144 7/18/00 $51,470 .66 law firm check, dated 7/10/00, payable to WRM
Financial services negotiated through WRM account at Bank of America
145 7/31/00 $68,266 .34 law firm check, dated 7/28/00, payable to wRM
Financial Services negotiated through ARM account at Sank
of America
146 10/4/00 . $50,000 Law firm check, dated 10/3/00, payable to WgM Financial Services negotiated through WRM account at Bank
of America
147 12/15/Q0 $72,705 .64 law firm check payable to WRM Financial Services negotiated at Bank of America
148 5/3/04 $80,173 .96 law firm check payable to wilhite's mother negotiated through financial institution
149 5/23/00 $34,360 .78 law firm check payable to Wilhite negotiated through financial institution
150 S/17/OD 2 law firm checks for $40,400 & $13,463 .15 payable to
Wilhite cashed at financial institution
151 9/26/QO 4 law firm checks each for $8,997 .94 payable to Wilhite
and his wife negotiated through financial institution
152 11/6/00 2 law firm checks for $42,099 .6 & $42,099 .61 payable to
Wilhite and his wife negotiated through financial institution
153 12/4/00 $186,000 law firm check payable to Wilhite's wife in her
maiden name negotiated through financial institution
154 12/15/00 $18,536 .55 law firm check payable to Wilhite's and wife
in her maiden name negotiated through financial institution
155 9/29/00 2 law firm checks each for $10,000 payable to Omar Turral negotiated at bank
156 IO/3/00 3 law firm checks for each fox $10,000 payable to Omar
Turral negotiated at bank
157 11/6/00 $10,000 law firm check payable to Omar Turral negotiated at bank
158 12/5/00 $10,000 law firm check payable to Omar Turral
159 12/7/00 2 law firm checks for each for $10,000 payable do Omar Turral negotiated at bank
160 1/3/01 $0,000 law firm check payable to Omar Turral negotiated at bank
b 11
COUNT DATE FINANCIAL TRANSACTIONS
161 1/18/01 $10,400 law firm check payable to Omar Turral negotiated at bank
162 11./20/00 $29,665 .71 law firm check payable to Pineapple House Ventures negotiated at bank
163 1/18/01 $66,402 .72 law firm check payable to Pineapple House ventures and negotiated at bank
164 1/19/01 $16 ;000 law firm check payable to Pineapple House Ventures cashed and negotiated at hank
165 2/21/D1 $70,100 law firm check payable to Pineapple House Ventures negotiated at bank
All in violation of Tithe 18, United States Code, Sections 2
and 1956 (a) (1) (A) (i) and (B) (i) .
Count 166 (Obstruction of Justice)
Between on or about April 23, 2001, and on or about May 22,
2001, in the Northern District of Georgia, defendant CHALANA C .
MCFARLAND, aided and abetted by others, did influence, obstruct and
impede and endeavor to influence, obstruct and impede the due
administration of justice, in that, defendant MCFARLAND caused her
attorney to advise the Northern District of Georgia United Sates
Attorney's Office and Grand Jury that The McFarland Law Firm
closing files and other records subpoenaed an April 4, and 18,
2001, "were subject to misappropriation or theft . . . on or about
January 29, 2001," which representation was to be presented to a
Grand Jury of the United States in the Northern District of Georgia
in lieu of her subpoenaed records, when defendant MCFARLAND well
knew that the records in question did not leave her office until. in
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or about the third week of April 2001, after shy was aware that her
records had been subpoenaed for an April 24, 2001 production before
said Grand Jury ; defendant MCFARLAND further and caused her Firm
Administrator and her aunt/bookkeeper to sign false affidavits for
submission to the United States Attorney's Office and said Grand
Jury, stating that real estate files, a computer and other records
had been removed from The McFarland Law Firm when they arrived at
work on January 29, 2001, said false representations being made and
caused to be made by the defendant in an endeavor to influence,
impede and obstruct the investigation into the mortgage fraud
detailed in Count 1 of this Indictment and incorporated by
reference herein, in violation of Title 18, United States Code,
Sections 1503 and 2 .
COUNT 167 (Perjury)
1 . On or about November 19, 2001, in the Northern District of
Georgia, defendant CHALANA C . MCFARLAND, while under oath and
testifying in a proceeding ancillary to a Court of the United
States, being a deposition in Central Pacific Mort gage Company v .
Chalana McFarl.and and The McFarland Law Firm, Civil Action No .
}. :01-CV-0554, filed on February 28, 2001, in the United States
District Court for the Northern District of Georgia, Atlanta
Division, did knowingly make a false material declaration .
2 . Defendant MCFARLAND was deposed by plaintiff Central
Pacific Mortgage Company, a mortgage lender who filed said civil
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lawsuit against their closing attorney, CHALANA C . MCFARLAND, and
her law firm, The McE'arland Law Firm, in connection with MCFARLAND
closing fraudulent mortgage loans in violation of Central Pacific's
closing instructions, failing to notify Central pacific of same-day
closings wherein property safe prices were materially inflated
within that day and failing ,to disburse loan proceeds as directed
by Central Pacific and as' represented on the HUD-1 Settlement
Statements caused to be prepared and certified by MCE'ARLAND .
Location and/or disposition of The McFarland Law Firm real. estate
loan closing files required to be maintained by MCFARLAND and The
McFarland Law Firm bank records reflecting disbursement of loan
proceeds were material to Central Pacific .
3 . Defendant MCFARLAND knowingly made the following
declarations dining her deposition while under oath with respect to
that material matter :
A . . . . I had some records f rom the office that were missing . Thai was from the Hairston Road office .
Q . And when did that occur?
A. That happened in January of this yeas .
Q . January of 2001?
A . Yes .
Q . And when you say missing, how did you determine that they were missing?
A. I believe it was the 21st of January . I received a call from my receptionist stating that it looked as if there were some things missing from the office . There was a CPi7 unit for one of the computers that was taken, and she said it looks like as if someone
'A I
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has been in the filing cabinet . When I came in -we didn't keep a maser fist of files, so it was difficult for me to determine what files were actually missing . There was - I didn't determine the extend of the loss until April of this year when r received a subpoena from Gay1e McKenzie's office at the U .S . Attorney's office in which she asked me to produce several files that I had closed . And when I went to try to find those files at that point I realized the full extent of what was missing .
Q . And as of now do you have any idea how many files were stolen?
A . My best guess would be probably about 20 files . 20 to 25 files . Z believe .
Q . Were they all real estate loan closing files?
A . Yes, it appears to be .
A. . . . All the cancelled checks for a11. the closings were taken in January when we had the items come up missing .
A . . . . Z noticed the bank records were missing that day when we came in . The checkbooks were locked up so the checkbooks were secure, but the statements and the copies of the canceled checks were taken .
4 . The sworn testimony and declarations of defendant CHALANA
C . MCFARLAND in her November 19, 2001 deposition that her real
estate loan closing files, a CPU unit from one of her computers and
her law firm bank records were missing from her Hairston Road
office in January, 2001, were false, as she then and there well
knew that said closing files, CPU unit and bank records were not
removed from her office until in oz about the third week in April,
1 h
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2001, after she had been sued by Central Pacific and had received
notice of subpoenas from the United States Attorney's office
requiring the production of her loan closing fibs and bank records
related thereto before a United Stakes Grand Jury in the Northern
District of Georgia .
All in violation of Title 18, United States Code, Section
1623 .
COUNT 168 (Perjury)
1 . On or about November 19, 2001, in the Northern District of
Georgia, defendant CHALANA C . MCFARLAND, while under oath and
testifying in a proceeding ancillary to a Court of the United
States, being a deposition in Central Pacific Mortgage Company y .
Chalana McFarland and 'the McFarland Law Firm , Civil. Action No .
1 :01-CV-0554, filed on February 28, 2001, in the United Stakes
District Court for the Northern District of Georgia, Atlanta
Division, did knowingly make a false material declaration .
2 . Defendant MCFARLAND was deposed by plaintiff Central
Pacific Mortgage Company, a mortgage lender who filed said civil
lawsuit against their closing attorney, CHAZANA C . MCFARLAND, and
her law firm, The McFarland Law Firm, in connection with MCFARLAND
closing fraudulent mortgage loans in violation of central Pacific's
closing instructions, tailing to notify Central Pacific of same-day
closings wherein property sale prices were materially inflated in
or about that day and failing to disburse loan proceeds as directed
54
by Central Pacific and as represented on the HUD-1 Settlement
Statements caused to be prepared and certified by MCFARLAND .
Payments to closing attorney CHALANA C . MCFARLAND not disclosed on
the HUD-1 Settlement Statements were material to Central Pacific .
3 . Defendant MCFARLAND knowingly made the following
declaration with respect to that material matter during her
deposition whale under oath and being questioned about the 625
North Shore loan closing :
Q . Then it says $4, 0 0 0 for Chalana . Did you gel $4, A00 far this closing?
A . No .
4 . The sworn testimony and declaration of defendant CHALANA
C : MCFARLAND, in her November 19, 2001 deposition that she did not
get $4,000 for the 625 North Shore closing was false, as she then
and there well knew that she was paid $4,000 for the North Shore
closing and that she requested and received similar $4,Q00 payments
which were not listed on the HUD-1 Settlement Statements for many
of her other loan closings .
All in violation of Title 18, United States Code, Section
1623 .
COUNT 169 (Perjury)
1 . On or about November 19, 2001, in the Northern District of
Georgia, defendant CHALANA C . MCFARLAND, while under oath and
testifying in a proceeding ancillary to a Court of the United
a f
55
States, being a deposition in Central Pacific Mortgage CoMpany v .
Chalana McFarland and The McFarland Law Firm, Civil Action No .
1 :Q1-CV-4554, filed on February 28, 2001, in the United States
District Court for the Northern District of Georgia, Atlanta
Division, did knowingly make a false material declaration .
2 . Defendant MCFARLAND was deposed by plaintiff Central
Pacific Mortgage Company, a mortgage lender who filed said civil
lawsuit against their closing attorney, CHALANA C . MCFARLAND, and
her law firm, The McFarland Law Firm, in connection with MCFARLAND
closing fraudulent mortgage loans in violation of Central Pacific's
closing instructions, failing to notify Central Pacific of same-day
closings wherein property sale prices were materially inflated in
or about that day and failing to disburse loan proceeds as directed
by Central Pacific anal as represented on the HUD-1 Settlement
Statements caused to be prepared and certified by MCFARLAND .
Collection by the closing attorney of the down payments required by
the lender and reflected on the HUD-1 Settlement Statements as
being received from the borrower was material to Central Pacific .
3 . Defendant MCFARLAND knowingly made the following
declaration with respect to that material matter during her
deposition while under oath and being questioned about collection
of a down payment from borrower Ronald McNeair in connection with
the closing of 5260 Golf Valley Way:
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A. And again, you don't know whether Mr . McNeair brought a down payment as he was required to do to this closing, do you?
A. No . I didn't receive the funds directly from him.
Q . And you don't know whether Brenda Brown or Lisa Bellamy collected the down payment that was due?
A. T don't know with absolute certainty that they did . z know that it's our policy that you have to have the down payment before you even get to the closing table, because without that we won't be able to close . So they are not even supposed to get back to the conference room unless they have all the documentation that's required .
4 . The sworn testimony and declaration of defendant CHALANA
C . MCFARLAND, in her November 19, 2001 deposition that it was "our
policy" that the borrower had to have the down payment for the loan
to be closed was false, as she then and there well knew that, while
she caused required borrower down payments to be lisped on the HUD-
1 Settlement Statements as having been received from the borrower,
shy did nod usually require borrowers to make any down payment
whatsoever, that most borrowers who were aware of loans being
closed in their names received a portion of the loan proceeds
themselves rather than making a down payment and that on many
occasions a portion of the loan proceeds were paid to identity
sellers for stolen names and social security numbers to use as
borrowers who never appeared at closing or made any down payment
for loans of which they were then unaware .
A11 in violation of Title 18, United States Code, Section 1623
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COUNT 170 (Perjury)
1 . On or about November 19, 2001, in the Northern District of
Georgia, defendant CHALANA C . MCFARLAND, while under oath and
testifying in a proceeding ancillary to a Court of the United
States, being a deposition in Central Pacific Mortgage Company v .
Cha7.ana McFarland and The McFarland Law Firm , Civil Action No .
1 :a1-CV-4554, filed on February 28, 2001, in the United States
District Court for the Northern District of Georgia, Atlanta
Division, did knowingly make a false material declaration .
2 . Defendant MCFARLAND was deposed by plaintiff Central
Pacific Mortgage Company, a mortgage lender who filed said civil
lawsuit against their closing attorney, CHALANA C . MCFARLAND, and
her law firm, The McFarland Law Firm, in connection with MCFARLAND
closing fraudulent mortgage loans in violation of Central Pacific's
closing instructions, failing to notify Central Pacific of same-day
closings wherein properly sale prices were materially inflated in
or about that day and failing to disburse loan proceeds as directed
by Central Pacific and as represented on the HUD-1 Settlement
Statements caused to be prepared and certified by MCFARLAND .
Disbursement of loan proceeds was material to Central Pacific .
3 . Defendant MCFARLAND knowingly made the following
declaration with respect to that material matter during her
deposition while under oath and being questioned about disbursement
58
of loan proceeds to BGB Construction Company which appeared to be
associated with her paralegal, Brenda Brown :
Q . Have you ever heard of BGB Construction Company?
A. They were a rehab company?
QAnd what sort of things did they rehabilitate?
A . I don't know . I just know they were on some of our HUDs .
Q . Does Brenda Brawn have an interest in this company?
A. I don't think so . This was an issue that came up during an audit with Vicki Acker from Attorney's Title regarding the ownership of that company, and it was determined that it wasn't Brenda Brown that worked for me, but another Brenda Brown . . .
4 . The sworn testimony and declaration of defendant CHALANA
C . MCF'ARLAND, in her November 19, 2001 deposition that it was not
the Brenda Brown that worked for her who had an interest in BGB
Construction Company was false, as she then and there well knew
that, as of the date of her deposition she had caused checks
payable to BGB Construction totaling over $325, 000 in loan proceeds
to be drawn on her The McFarland Law Firm bank account and
delivered to her paralegal, Brenda Brown .
All in violation of Title 18, United States Code, Section
1623 .
SPECIAL FINDINGS
1 . With respect to Counts 1 through 92 0f the Indictment,
defendant CHALANA C . MCFARLAND :
(a) was an organizer or leader of a criminal activity that
involved five or more participants and was otherwise extensive ;
(b) abused her position of trust and used a special skill in
a manner that significantly facilitated the commission and
concealment of the offenses ;
(c) committed offenses which involved more than minima
planning ;
(d) committed offenses which involved sophisticated means ;
(e) committed offenses which involved a scheme to defraud
more than 50 victims ;
(f) committed offenses which involved the unauthorized
transfer and use of any means of identification unlawfully to
obtain any other means of identification ;
(g) the possession of 5 or more means of identification that
unlawfully were produced from, and obtained by, the use of another
means of identification ;
(h) committed offenses where the loss exceeded $2 .5 trillion ;
(i) wilfully obstructed and impeded and attempted to obstruct
and impede the administration of justice during the investigation
of the instant offenses and the obstructive conduct rebated to the
defendant's offenses charged and any relevant conduct ; and
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(j) committed offenses wherein the seriousness of said
offenses would otherwise be understated because :
(l) the offenses -involving a substantial amount of
interest, late charges, penalties, amounts based on an
agreed-upon rate of return or rate of return and other
similar costs, not otherwise included in the
determination of loss ; and
(2) the offenses caused and risked substantial non-
monetary harm arising from the substantial invasion of
the privacy interests of many individuals, the use of
many stolen identities and numerous uses of a single
individual's stolen identify .
2 . With respect to Counts 93 through 165 of the Indictment,
defendant CHALANA C . MCFARLAND :
(a) was an organizer or leader of a criminal activity that
involved five or more participants and was otherwise extensive ;
(b) abused her position of trust and used a special skill in
a manner that significantly facilitated the commission and
concealment of the offenses ;
(c) committed offenses which involved sophisticated money
laundering ;
(d) committed offenses wherein the value of the funds
laundered exceeded $2 .5 million ; and
(e) wilfully obstructed and impeded and attempted to obstruct
and impede the administration of justice during the investigation
61
of the instant offenses and the obstructive conduct related to the
defendant's offenses charges and any relevant conduct .
3 . With respect to Count 166 through 170 of the Indictment,
defendant CHALANA C . MCFARLAND :
(a) was an organizer or leader of a criminal activity that
involved five or more participants and was otherwise extensive ; and
(b) committed an offense which resulted in substantial
interference with the administration of justice .
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FORFEITURE PROVISION
Z . Upon conviction of one or more of the offenses alleged in
Counts 1 through 31 of this Indictment, defendant CHALANA C .
MCFAR.LAND shall forfeit to the United Stakes pursuant to 18 U .S .C .
§ 982 (a) (2) ail properly, real or personal, constituting or derived
from proceeds obtained directly or indirectly as a result of the
said violations .
2 . Upon conviction of one or more of the offenses alleged in
Counts 33 through 92 of this indictment, defendant CHALANA C .
MCFARLAND shall forfeit to the United States pursuant to 18 U .S .C .
§ 9s1(a) (1) (c) and 2s U .s .C . § 2461 (c) all property, real or
personal, which constitutes or is derived from proceeds traceable
to the said violations .
3 . Upon conviction of one or more of the offenses alleged in
Counts 93 through 165 of this Indictment, defendant CHALANA C .
MCF"ARLANI7 shall forfeit to the Unified States, pursuant to 18 U . S . C .
982 (a) (1) , all properly, real or personal involved in each offense,
and all property traceable to such property for which the defendant
is convicted, including the following : (1) all money or other
property that was the subject of each transaction, transportation,
transmission or transfer in violation of Section 1956 ; (2) all
commissions, fees and other property constituting proceeds obtained
as a result of those violations, and (3) all property used in any
manner or part to commit or to facilitate the commission of those
violations .
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4 . If ; as a result of any act or omission of a defendant,
any property subject to forfeiture :
a . cannot be located upon the exercise of due diligence ;
b . has been transferred or sold to, or deposited with, a third person ;
c . has been placed beyond the jurisdiction of the
Court ; d . has been substantially diminished in value ; or e, has been commingled with other property which
cannot be subdivided without difficulty ;
the United States intends, pursuant Title 21, United States Code,
Section 853(p), as incorporated by Title 18, Unified States Code,
Section 982 (b) and Title 28, United States Code, Section 2461(c) ,
to seek forfeiture of .any other property of said defendant up to
the value of the forfeitable property .
A - BILL s r-
~s FO )'F P ON
DAVID E . NAHMIAS UNITED STATES ATTORNEY
GALE McKENZIE ASSISTANT UNITED STATES ATTORNEY 600 U .S . Courthouse 75 Spring Street, S .W . Atlanta, GA 30303 404/581-6045 Bar Number 4948Qa