Dear Friend, Thank you for your interest. Please take a minute to read this important information or simply print it out. All the information here is 100% accurate and can be verified with the Department of HUD in Washington D.C. *************************************************************** Honest Home-Business NO MLM or SELLING involved Earn $500 to $1,000 per week guaranteed. *************************************************************** *************************************************************** NOW YOU CAN MAKE UP TO $1,000.00 A WEEK OR MORE, IN YOUR SPARE TIME WORKING AT HOME AND HELPING THE GOVERNMENT FIND PEOPLE WHO THEY OWE MONEY TO! *************************************************************** You'll be your own boss. Work when you want... as much as you want. Sound Good? Then, read on because it gets a whole lot better!! Dear Friend, The truth is, the US Government really does have money to give away. In fact, right now there is more than $70,000,000.00 that legally belongs to millions of unsuspecting US citizens. Where does this money come from? When the US Department of Housing and Urban Development (HUD) and the Federal Housing Administration (FHA) approve a loan for a house, 1/2 of one percent of the loan amount is added by HUD/FHA to the loan interest as insurance in the event that the borrower does not pay the mortgage. That money accumulates interest over the life of the loan. If the house is taken away from the borrower through foreclosure, that money is forfeited. However, when the borrower pays off the loan, they are entitled to a full refund of that money. Over 20-30 years, that can add up to a substantial amount of money!! So what does this mean for you? EASY MONEY!! I'll explain. Most people do not know that this amount is due to them- many have relocated. Since HUD/FHA doesn't have the resources to track down each and everyone of the borrowers due a refund, they developed the Refund Tracer Program for the purpose of allowing people, just like you, to earn money by locating borrowers. You see, thanks to the little known Mortgage Refund Tracer Program, you can easily perform a valuable service. As a Refund Tracer, you can help return millions of dollars to rightful owners and collect part of what you return in processing fees. Just think of it!! A fantastic opportunity to earn substantial amounts of money. You can start right away and earn $300 to $1,000.00 a week or more, right from your own home. There is really no limit what you can earn. It's up to you how much you want to work. You can be young or old, male or female, single or married, employed or unemployed. It doesn't matter. A WIN/WIN/WIN SITUATION! The government wins since the money must be refunded to it's rightful owners. The borrower wins because he or she receives money the borrower is entitled to. You win because you receive a generous processing fee. Everybody wins! NO EXPERIENCE NEEDED The good news is that you don't need experience, or special training. In fact, if you can read, write, and follow simple step-by step instructions, you can earn lots of money in this business. That's where the REFUND TRACER PROGRAM MANUAL comes in. It explains everything you need to know. It is a step-by-step instruction manual that will show you secrets that will allow you to start receiving cash payments quickly. Nothing will be left unanswered, and once you have the manual, you will not have to purchase anything else from us. Here's an example of what you'll get... * An information-packed manual with easy to follow instructions. * All government forms provided by HUD/FHA * Sample letters needed to inform borrowers that you are a Refund Tracer and are willing to help them get what is due to them. Plus, all other letters you will be sending during the processing time period. * A FREE STATE Listing for any STATE. * You'll also have our technical support along the way. * SPECIAL BONUS " Personal Complete Guide to the Internet". This is a 175 page 15 Chapter E-Book that covers the whole Internet and it is yours FREE when you order our program within the next 10 days. Here's some of what you'll learn... * How to obtain names of people due mortgage refunds from HUD * The easiest ways to locate those due a refund * How to contact them to get an immediate response * How to process the necessary forms so that refunds are promptly issued * How to claim your share of their Government refund ...and much more! You can get started immediately without any special training or education and our manual will show you how. You will be able to start making money almost at once. You can get started on a shoestring!! You will be amazed at how easy it is. Imagine, earning hundreds....even thousands of dollars each week helping the government refund money. It will give you a good feeling just knowing you are helping people receive money they didn't know they had coming. You'll be getting paid for doing it! In 1986, Congress mandated that HUD make available to the general public lists of borrowers who were due refunds. We investigated and discovered one of "The Best Kept Money-Making Secrets In America". When I learned of the little-known Refund Tracer Program, We knew it was just what we had been looking for. This is probably the easiest, 100% legitimate, way to make money from scratch ever! You will find that... The fastest and best way to make a HUGE amount of money quickly is to trace people who have MILLIONS of DOLLARS in refunds due to them and then claim YOUR SHARE in Processing Fees. As long as HUD/FHA continues to approve loans, the money will never stop growing. Your money- making potential is endless! Every month, thousands of names become available for processing, names that are available for you to earn cash by helping borrowers receive their government refunds. WHAT COULD BE EASIER? Now just ask yourself, what message is more powerful than telling someone that you are going to help them receive a substantial sum of money that they didn't know they had coming? Believe us, they will love you for it, and will be more than happy to pay your fee. But this is only part of what makes this program so easy to use. Our manual will make it even easier for you to get started earning CASH RIGHT NOW! THE ULTIMATE WORK-AT-HOME MONEY-MAKER!! We know what you're thinking (it sounds too good to be true). But believe us, it is 100% true and completely legitimate. Imagine a money-making program that was established by the government. You can do this right at your kitchen table, or if you have a computer your even one step ahead. Let your computer start helping you make some money, instead of costing you money! The Refund Tracer Program is recognized as an extension of the services provided by HUD/FHA. This program is a gratifying way to earn extra money, especially since you are also helping someone else at the same time. The work you will be doing is simple, pleasant and absolutely anyone can do it! Without any formal training or education, Refund Tracers who have just started are earning $300 to $1,000 or more a week! It depends on your determination, and how much you want to make! If you have any additional questions for us feel free to call us at: 216-226-8799. Please don't delay. The only way you can lose is doing nothing, and that would be a shame. You owe it to yourself and your family. So act now. You'll be glad you did! We give you everything you need to get started right away, including a FREE state listing Nobody can even come close to matching this offer. Other people sell you the Manual then charge extra for the State Listing, not us. We give you the whole business for almost nothing. For a small amount, you can take a big step towards financial independence. We're looking forward to hearing from you! Plus, if you order the program we will personally assist you with any ideas or questions you may have while working the program, so your not alone in this. We'll be here to help you along you're way Below is an example of the State Listings. ---------------------------------------------- Name Address & City Case# & Zip Date & Money owed ------------------------------------------------------------- Smith, Joe 1626 Ansel Drive 441-024360 07/06/94 Dayton OH 45416 $1,800.00 Virgil Baker 804 10th Avenue 411-031524 03/01/95 Middletown OH 45042 $1,134.76 ------------------------------------------------------------------------- As you can see you are provided with quite a bit of information. This is what make the program so EASY to work!!! ********** 90 DAY MONEY BACK GUARANTEE ************** Here's how our policy works all you have to do is try the program for 90 days then if your not satisfied simply return it for a refund. So you have nothing to lose. If your looking for a real opportunity you found it. Respectfully yours, Creative Financial Alternatives The Program Only Costs $33.95 Send payment to: Creative Financial Alternatives Unclaimed Funds 18645 Detroit Ave. Suite 714 Lakewood, Ohio 44107 We accept Money Order or Check Made Payable to: Creative Financial Alternatives We are pleased to announce were able to accept checks by phone or fax to help you get started immediately. If you want to get started right away. The purpose of accepting checks by phone and fax is that it speeds up the process so you can get started immediately. Phone us at: 1-216-226-8799 Fax your check to: 1-216-226-3225 * Please note that if you do check by phone or fax you will need to keep that specific check for your own records. Please do not mail it to us or deposit it at your bank. Simply void it out and keep it for your own records. ************* QUESTIONS & ANSWERS ***************** You are bound to have some questions about the Government Refund Tracer Program. Below are some commonly asked questions and my straightforward answers. Also, if you have any questions that aren't answered below please call us at: 216-226-8799 We'll be glad to answer them for you. Q: Is the Government Refund Tracer Program legal? A: Yes, in 1986 Congress mandated that HUD make available to the general public lists of borrowers due refunds. Subsequently, HUD created the Tracer Program. Q: Can I do this from any state? A: Yes, you can live in one state and trace people in another state, you can do it from anywhere! Q: How much does the Tracer receive? A: We recommend 25%-30%, of the refund. Q: How do I obtain the names of the refund recipients? A: You can get them directly from HUD or us. Q: Why can't the person owed a refund get the money for themselves? A: They can, however the vast majority of people don't know anything about the Government refund process. They would need a case number and other specific information only you have. This lack of knowledge is what makes the tracer so valuable, because they can't do it without you. Q: Does this program require a large investment? A: No, expenses (such as lists of names, stamps,etc.) will depend on how large an area you intend to cover and since you will be self-employed these expenses will be tax-deductible. Most of your investment will be your time and effort. Q: What is the average refund amount? A: The average refund amounts range from $800-$1,000, but refunds of $4,000 are not unheard of. It all depends on the area or state you target. Q: If I did a refund for $1,130.94 how much would I get? A: Your fee is 30% so you would get $339.28 for that one claim!! Q: How do I find these people? A: You can go through the phone book directory or if you have a computer with a CD-ROM drive you can purchase a copy of "Home Phone" it's a directory of over 85 million residential phone numbers. The majority of these people are still at the current addresses on the form from HUD. Thank you very much and we look forward to talking with you in the near future. Creative Financial Alternatives 18645 Detroit Ave. Suite 714 `\|||/ Lakewood, Ohio 44107 (o o) Phone: 216-226-8799 Fax: 216-226-3225 ooO_(_)_Ooo________________________________________________ _____|_____|_____|_____|_____|_____|_____|_____|_____|_____| _____|__ __|_____|_____|_____|_____|_____|_____|_____|_____| _____|_____|_____|_____|_____|_____|_____|_____|_____|_____|