Sec. 3.3, FCN#46-08
The following is an excerpt from the 47-page affidavit which was filed with the FBI on December 15, 2015, as part of a lawsuit against DFSB agents, alleging that DFSB enforcement agents had wrongfully intimidated private attorneys who were working for clients and other attorneys who were not able to work for clients because of DFSB agents’ actions:
In an email dated January 1, 2009, the President of another law firm told the filing attorney at a law firm she worked at that “[D]efendants were trying to get me fired from my job by contacting Principal [of her employer]! They aimed to scare me out of my job to have this firm without paying me.” Listed as Defendants’ evidence at trial will be “the email sent between Principal and the President.”
The President also complained in her February 14, 2009 email to the Principal that “there are two other firms I’m going through trouble with” and further complained that “one lawyer . . . [was] reporting people who she says are harassing her;” the Senior Vice President noted in his affidavit that he would be able to testify about this since he had received these complaints. The President also relayed “[t]hat we’re getting threatened/harassed today!” on March 21, 2009; again listed as Defendants’ evidence will be emails sent between Plaintiffs and Counsel “concerning numerous reports of threats or harassment sent by Plaintiff’s counsel.” The senior vice president stated: “This evidence relates directly to communications exchanged between our law firm and our client concerning allegations of threats or harassment regarding Plaintiffs’ counsel caused or allegedly made by Defendants’ counsel.”
On March 24, 2013, apart from threatening plaintiffs with litigation if they didn’t pay him the money he demanded (citation omitted), including in July 2013 (
Get a broker, not an agent.
When looking for a broker, ensure the FSB licenses them. This means that they have been trained and certified by the organization itself. Brokers are more experienced than agents, who often only have a few years of experience in their field. They also tend to be more knowledgeable about the industry and how to help customers get what they need from their insurance providers.
That being said, there are some things you should consider when choosing between an agent and vs. broker:
Shop around.
If you’ve been thinking about getting your certificate of authority, it’s time to shop around. Ask your broker what kind of broker they recommend for their clients and why they recommend it. You will want to make sure that the person who is going to be giving you advice on how to get a certificate of authority has experience with this type of business and is a good fit for your needs, as well as being able to help guide you through the process correctly.
Put together a thorough packet of paperwork.
We’ll need to see your:
We also recommend bringing along any other information to help us determine who you are and why we should issue a certificate of authority for your business.
Spend at least five minutes per problem to find a solution before you start docketing it.
Refrain from overloading the space with too many problems.
Refrain from overloading the space with too many problems.
Could you not make it a big deal?
Please make it a manageable deal for the agent, broker, or DFSB (the state’s real estate board).
Ask for help when necessary.
In addition to asking for help when necessary, show that you respect your teachers and mentors by being humble. This will also make them more likely to help you if something goes wrong or you need an extra hand.
Suppose someone has given you a certificate of authority or another certification. In that case, the person has confidence in their knowledge about what they’re teaching (and therefore should be treated as an expert). It’s also good practice for anyone who wants to become an expert in their field!
Humble people who ask for help show confidence because they know how much value there is in working together—and not just any team, this one specifically! They don’t feel like “I’m better than everyone else,” but rather understand how much stronger we can become through mutual learning experiences at school or elsewhere.*
Ensure you have a good relationship with the DFSB Enforcement office and the DFSB staff assigned to your case.
Ensure you have a good relationship with the DFSB Enforcement office and the DFSB staff assigned to your case.
That means:
Reach out when you need help.
When you need help, reach out. Feel free to ask for help when you need it.
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