Extortion From The Dallas Police Department and Officer James Swafford

We get a call from Officer James Swafford of the Dallas Police Department telling us that there is crime on our property and asking what we were going to do about it. That’s right what are we going to do about it? “There was a man on the property selling counterfeit shoes” and “Some one I’m not sure who but someone in that apartment is selling drugs” Sounds like excellent police work Officer James Swafford you should be promoted to chief of police. I guess the real world or at least the Dallas Police Department doesn’t actually do any police work. So much for the high standards television sets for us with CSI.

So after we pick up our jaws off the floor realizing that as ridiculous as it sounds but in all seriousness Officer James Swafford really wants us to stop the crime. Oh yes this is also after we put in steal magnetic card access gates on all entrances of the property. We ask what can we do you are the police. He suggests we need a guard there. Oh did I forget to mention that the police department is only a block away from the property? We politely tell the officer that we can’t afford that and his answer to us is “Well can you afford a lawsuit?”

Wait this is America right? This is extortion! I’m being bullied by Officer James Swafford because I’m not batman? Does he expect me to put on a cape and cowl and fight crime in and around my apartment house? No he just want’s me to pay him to stop harassing and threatening me! This sounds like the bully who steals lunch money from the little kids in grade school. I don’t know what kind of a person Officer Swafford was in grade school but if his actions and morals as an adult are any indication of his grade school days. I’d say he was the bully of the playground stealing other kids lunch money. I never backed down to the school ground bully when I was 8 and I’m not about to now. We we’re eventually sued by the City of Dallas with Officer James Swafford testifying against us in court for knowingly allowing crime to be committed on our property. Which is part of what caused us to abandon the property and file bankruptcy.

Applying for a Secured Credit Card

I applied for a secured credit card today to start rebuilding my credit that the City of Dallas has destroyed, thanks to the Dallas City Attorney and the S.A.F.E Team. I had a credit score of over 800, it'll take me time to rebuild it to that level again but I've got to start somewhere and the only place to start with a credit card is with a secured one.

For those of you who don't know a secured credit card is one where you have to deposit money in the credit card companies account and that's your credit limit. Here are some important questions to ask if you're in need of rebuilding your credit with a secured credit card.

• What is the annual fee?


• What is the application fee?


• What other fees are there? (Insurance policy fees, etc.)


• Do you report to all 3 major credit bureaus?


• Will the report to the credit bureaus be flagged as a secured credit card?


• How much interest will my deposit earn? What kind of account will my deposit be held in?


• What is the interest rate?


• How long does the money have to stay on deposit after the account has been closed?


• How long will it take to switch to a secured card with regular good standing?


• Is there a grace period?

The best secured card I found was a Bank of America Credit Card.

Certified Letter From Dallas

There's a certified letter from Dallas waiting for us to pick it up at the post office, this can't be any good. ~ sigh.