Good morning my dear brothers and sisters in Christ, I am Mr Woodson Heather, a reputable, legitimate and accredited money lender. I loan money to Christians and trust worthy people in need of financial assistance at 3% interest rate. Do you have a bad credit or are in need of money to pay bills? Let me take this medium to inform you that I assist beneficiary reliable as I'll be glad to offer you a loan.Please write with the below information. After the reply, you will be sent a loan application form to fill. (There are no credit check, 100% Guaranteed!) I hope you will allow me to be of service to you. Sincerely. Contact us via email: ( with the Applicant Information below:
Full Name;
Amount Needed;
Monthly Income:
 Jun 10th, 2010
Weather Myself,talk sexual fairly holiday ring flight support cry vital oil over practice afford win literature county great know essential proportion limit bar try moment follow down western approach support size test source worth when company farm proper afterwards recent late recover agree point pressure brain teaching law dog wonder safe teacher source little climb however easy front smile go matter visit leave before throughout we design rest grow too intend comparison interesting actually morning response that largely both block place potential thus urban perform sort
 Dec 08th, 2009
I am also a victim of this scam. Can't we all do something to stop these idiots to cheat some more people like us? Isn't there a protection mechanism from Governement for curtailing these kinds of scams?
 Mar 30th, 2009
My new Apple computer gave me a warning before entering the website It said there was malware on the website that could damage my computer.
Robyn Gray
 Mar 24th, 2009
They just called me and I asked for their name and state they are located...gave me the 971-825-3130 to call back once I checked them out...thank goodness for the internet....
 Mar 13th, 2009
I have trying to call the Customer Service number for two response, always busy. I want to cancel my involvement with you, please refund my money...ASAP....Thanks
Nancy Warren
 Feb 21st, 2009
I pegged this for a scam right away and akded fowhat I was purchasing. When I didn't fall for it she identified hereself as GMI Interprise andrefered me to Refund and the phone number 971-285-3130.

Everyone who is in need of money beware of this scam.
Mrs. G.
 Feb 21st, 2009
The FHA says this is a scam
 Jan 08th, 2009
I would like to do the business but can't get the list to mail to what do I do now?
rev leah j ward
 Dec 16th, 2008
Recording of woman's voice saying, we've been trying to reach you about an important opportunity to become a government insurance processor, with salaries starting at "$38,000 a year". At the end of the recording, the last words are: For more information, press 1 now. So I did that-I was prepared because I missed the call b-4 and I wanted info and to know how they got my PRIVATE number- and a female operator came on. With very little info given, She asked me for "$69.00" for this kit. I said ok, but I
need to know who I am giving money to. I need the companies info, name address and phone. She gave me the name and phone and then she hung up
 Oct 01st, 2008
I don't wish to work at home Please give me a refund!
I need to know where the subject line is...
Brina Dunseith
 Sep 27th, 2008
iam worried because now these scammers have my credit card info,personal info,ect. any one know more?
 Sep 03rd, 2008
i believe this is a scam that the FBI should investigate asap
hartsfield j g
 Aug 22nd, 2008
It's a sad day in our home our mentally retarded son was taken in and he is so depressed,i told him their going refund the money.
 Jul 27th, 2008
Refund, And Home phone #309-682-7701
Frances Wallace
 Jul 22nd, 2008
 Jun 26th, 2008
So after being promised that my order had been voided, nothing shipped to me and nothing charged to my credit card, I recieved the "packet" in the mail today and of course my card has been charged. I am not the least bit suprised, as my card had been charged within five minutes of the initial phone call. I have emailed the person who in an email to me assured me that my order had been voided, and asked them how this can be easily resoved. These folks work fast, but I am sure it will not be resolved so quickly. We will see.

Has anyone actually purchased this program and tried to make use of it? It just doesn't seem reasonable to me and I am sure there are many extra fees associated once one begins the process?
 Jun 13th, 2008
These people have responded to my email and promised me my order has been cancelled and my credit card not charged. I hope I am wrong about them. I am really suprised that they responded so quickly and this does speak well for them, although I have yet to call my credit card company back and confirm the cancelled charges. best wishes
 Jun 10th, 2008
I like an idiot, gave them my credit card info. After hanging up the phone, I immediately became suspicious and called my credit card company. They said I would have to wait for my bill and then to file a contract resolution with them, and that this would take 45 to 60 days. I then tried to call GMI Enterprises back from the number they had called me from and recieved a disconnected number recording. I then called on a number that had been provided to me by GMI and got through to a person who told me it was too late, I would have to wait for the information packet to arrive in 7-10 days and then go through refund procedures. I have emailed this company and do not expect them to return my emails or my money. I think myself an intelligent person and cannot believe I so readily gave my credit card info over the phone without even checking into the legitimacy of a business. I live in Portland Oregon and these people are doing business in a neighboring town and it does not seem reasonable to me that they could not stop the processing of my order and cancel the transaction, especially since it had been only a few minutes, less than half an hour. I seriously doubt that this is legitimate and there are probably fees associated with following up on "processing" these refund checks that is not disclosed immediately by the person selling it over the phone. Also, why would someone be marketing this on the phone instead of being a rebate processor themselves?
 Jun 10th, 2008
I sent an email to the FCC regarding GMI & sent GMI a copy of the same email Tuesday evening. I requested a refund from GMI. I just received a phone call from GMI (10:30am Wed) & they said they would be "happy to refund my money". Quick response, huh? She didn't sound too happy about it, though! I'll let you know how long it takes to get our refund.
Has anyone found this company on the Better Business Bureau site? The woman said to look under zip code 97062, but I couldn't find anything with that name.
 Jun 04th, 2008
I see that their are many more negative than positive comments about this company. Has anyone worked with this company for 3 months or more and made a decent income? Sharon Green, any luck? Let me know...thx!
 May 22nd, 2008
It really is a scam people. Curt Dawn and Kirsti Hegg (aka Kirsti King) run a home business selling these lists for $79. Google Curt Dawn and you'll see how he does it with his "secrets to his wealth". If you could make money from this, they would do it. But there is a fortune to be made selling the dream of a home business and getting rich quick. Send in your $79 and you'll never see it again. Only the owners will get rich. These people are high tech scam artists. They are dishonest opportunists.
The truth
 May 15th, 2008
I just received a call also from this number and she said that they work with the goverment and it is guaranteed, trustable. I did not give them my personal info over the phone then she suggested that I should get a prepaid credit card from Wal-Mart...So is this scam also?
 May 14th, 2008
yes i was told to go to this web site in order to get a refund from independent refund processing company who called me. The did not tell me i would have to by more materal from the government and increse my costs which i can't afford. I am a 100% disabled veteran on a fixed income and i just can't put out more money that I don't have. They did tell me to got to this web site and request a return authorization number for a refund so could you please give me one and who i have to contact Thank you Ron Carlson
 May 13th, 2008
I have asked someone to call me 936-327-0148 in reguards to working as a HUD?FHA insurance refund Processor
I have some questions and would like to start. I already have purchased the manual w/CD.
Thank You, Joan M Hovinga
 May 09th, 2008
Well i got a call, from one of the many variations of numbers, at about 6 am or so and because of being asleep and all i wasn't thinking clearly. So i felt i could do this and make some CASH but after giving all my information thats when i started to ask questions, no go, they gave me some support number to call. eh well i feel like a complete toolbag. {:-(
Call Me Dumbass
 May 08th, 2008
I want a refund and e-mail me @ and I mean I want a refund no shitting. U better not fuck me!!!!!!!!
 May 05th, 2008
I Want a fuckin refund I paid 79 dollars to become a refund processor for the fuckin government and they took my fuckin money, I have two kids and I am on disability. I am trying to support them the best way I know how. I am so pissed that I was taken for my money like the rest of these innocent people. How can someone have the fuckin heart to do this to all these people. God will get revenge on them, he saith. They took my credit card number and everything.
 May 05th, 2008
i can not get any one to answer my call on refund [to recive a fefund email] not true help
 May 01st, 2008
Womans voice said we have been trying to reach you for an opportunity to process hud insurance forms, pressed one, then a woman named Heidi said, they were looking for government processors. She said I could become one for $79.00 setup fee/information kit- I put it on my credit card- what do I do now?
 Apr 27th, 2008
Just receive a call from a operator 130. Asking for a $ 69.00 amount to receive a starting package for FHA refunds,can make up to $ 38,000 a year.
You know this is a SCAM. She even mention if you did not want to give a credit card number you can purchase a pre paid one.When I ask for a web sie she strted to choke.
 Apr 22nd, 2008
I paid for the information and if you want something for nothing or someone else to be responsible for everything then don't do it. I have received the cd and manual after looking through it I found all information there. The deal is you have to work the system to make it work.
 Apr 22nd, 2008
LIKE EVERYONE ELSE,YOU GOT ME!!!!!!!!$79.00 GONE BYE BYE!!JUST WANTED TO MAKE A FEW EXTRA DOLLARS @ HOME.WHEN I read the manualI knew the scam was at my door.God bless
 Apr 22nd, 2008
tyshera kelly
 Apr 21st, 2008
recording wanting you to be a independent contractor for the government. I thought it was a good idea so i finished up the phone call and signed up for the $69 fee. Then realized it was probably some type of scam so i called back about 5 minutes later and talked to someone to cancel my order. The lady cancelled the order and refunded my money back.
 Apr 16th, 2008
Received this call an a second in-coming line at work and was told I could process refunds on FHA loans. I asked if they worked for FHA and he said no they didn't work for them, but with them. The caller said his name was Mike from GMI Enterprises in Portland Oregon. He said I could make about $38,000 doing this work if I paid $69. I said I would be happy to do so if they would take the $69 out of my first paycheck. Needless to say that was the end of that conversation.
 Apr 16th, 2008
I received the Independent Refund Processing CD and papers. So what do I do now ? How do I get started can you help?
Here is my telephone #276-566-4508 and my e-mail just get back to me so I will know what to do to get started.
Donald Young
 Apr 14th, 2008
Hi , I'm so sorry that I havn't got a hold of you. But I'm so ready to start now.Could GMI give me a call or E-mail me at or 760-379-1539
 Apr 05th, 2008
I waited for an operator. She claimed they were a legit company named "Government Mortgage Insurance" and their phone number is 971-285-3130
 Apr 04th, 2008

Question 17: Does HUD have any job opportunities where I can work from home?

Answer: HUD does not have any jobs specifically for work-at-home employees, although some existing HUD employees may have some limited permission to work from home depending on the job type and situation. You may have seen an advertisement for work tracking down people who are due an FHA refund. While those ads sometimes sound as if you'd be working for HUD from your home, this agency does not endorse, regulate, monitor, or contract out for those services.
 Mar 17th, 2008
The lady who called me is named Patricia. Says she is an Independent Contractor for GMI Enterprises. She says GMI stants for Government Mortgage Insurance Enterprises located in Portland, OR.She says you have to pay $69.00 for the Orientation Manual and their CD to instruct you on how to do business from your home processing Government refunds to Home Owners who have paid off their mortgage. She says you can earn $400 - $800 for each processed Government refund to the home owners. You are paid according to the refunds you process. She also said you have to pay around $20 for each state list that the Government would supply. She said you would be a Independent Contractor, responsible for your own taxes.
Sherri Grotts
 Mar 11th, 2008
I got a call too yesterday and just read another website that GMI Enterprise is for real. Someone confirmed it. The first post I found is here at under Dave Patersons post it's on the 2nd page a ways down. It leads you from there. There's also some BBB stuff above that post that looked good too.
Walt Ridder
 Mar 10th, 2008
I found out how they got our phone number. Go to and find post name "Tim Perry-Feb 29th" it gives all the details about how they found us. All of the posts below sheds light on GMI too.
 Mar 10th, 2008
I received this call ofering a FHA refund scheme which promised that I would receive 400 to 800 dollars for every person I helped to get an FHA home loan refund...I would have had to send them 69 dollars to enroll in the program to receive leads to close..
It appears to be an obvious scam and have alerted the FBI
 Mar 07th, 2008
get a life.
 Mar 07th, 2008
basically the same as the rest of these other people calls and I was the sucker who purchased it. When these scammers take advantage of innocent decent people who are working so hard to make ends meet. I wasn't looking for a get rich business. I wanted to work from home so I could do it while the baby was napping or down at night, and I was still available for the older kids to do school events, doctor appointments, or anything else that with a regular job I would have to take time off from to do. Now that is $79.00 gone from my kids. It is really sad when we have gotten to the point that we can no longer trust anyone. I don't know if I am missing out on legitimate opportunities now but anyone that calls me now about working from home the call is done I will not let another person take from kids again.
 Mar 05th, 2008
I received two calls from this company from two different phone numbers listed in one of the comments below to my cell phone which is on the Do Not Call list. This number 9712853130, contacted me on 2/27/08 and this number 503-828-1894 contacted me on 3/3/08. Neither time did they leave a message. I have reported them to the Do Not Call registry at I suggest you do the same.
 Mar 05th, 2008
Hey Pamela, thanks for you post about HUD's warning on their website for people to beware. I looked into it and found some interesting information. I called HUD today and they said the problem they've had were processors holding checks as ransom from the people who were owed the money and processors tried to deposit the money into their own bank account. In other words, the individuals/processors/tracers would deposit the full check in their own bank that should have gone to the people that were owed the money. So, HUD put that statement up on their website to protect people from independent refund processors, NOT companies that offer materials that show processors/tracers how to process refunds. Also, the woman at HUD said they (the government) ship out lists of names and addresses of people who haven't claimed their refunds to processors/tracers daily and that HUD charges a small fee to processors/tracers to get those lists. So, it turns out that people like us can process refunds so long as we follow HUD's rules and not rip off those owed a refund. I felt WAY more comfortable after talking to HUD directly. I called GMI back and ordered the package today, yeah!!!
Sharon Green
 Feb 29th, 2008
I just received my second call from a pre-recorded message on my cell phone. At what point does the FCC do anything about putting these criminals behind bars? I have made two complaints and not hear da word back meanwhile I can see this has been going on from this number for a while.
 Feb 28th, 2008
Didn't recognise the name or the area code, so I didn't answer. No message. *60 will block incoming calls from that #. I don't think this is a 'special feature' . . . I think everybody can dial *60 and the prompts will tell them what to do.
I'm also arranging one entire night where myself and about 15 of my friends are going to spend about 4 hours straight doing nothing but calling these guys at their home(s). If that doesn't work, were going to start shipping unrefridgerated fish to all of their available addresses.
 Feb 28th, 2008
Gee, if these people have such a golden opportunity for tremendous wealth, why would they want to share it with me? LMAO
 Feb 27th, 2008
 Feb 27th, 2008
I don't find anything through all the search engines on this "GMI" company! They were very willing to tell me info as to when they started and info on payment and pay scale but never clear on any particulars. I declined the offer! A lot of times when it sounds to good to be true it probably isn't!!!! Word to the wise it is real hard to work for Government and they usually require a degree. Buyer beware I wouldn't invest my money.
 Feb 27th, 2008
Same exact message as other comments below. They don't give you an option to take your number off their call list. I tried to find out who was calling, so I pressed "1", but then it just rang an rang. I hung up since it was costing me minutes on my calling plan. When did Verizon Wirelss customers start getting telemarketing calls? I am getting about three or four a week now.
 Feb 26th, 2008
Called again, but no message left. Don't know who they are or why they are calling.
 Feb 26th, 2008
I just got the same messagae as Chris posted. They are asking for a one time fee of 69.00 for a list of folks who are entitled to a FHA refund. I just figured it was a scam since it asked you for money....
 Feb 26th, 2008
This number wasted a cell phone minute from my plan and with a 'recording' saying " we've been trying to reach you regarding working as a Government Insurance....". My number is registered on the Gov't "DO NOT CALL" list. Why do these still get through?
 Feb 26th, 2008
Next time they call, just call them back on their home number:
Tell these a$$holes personally that you don't appreciate the harassment.
Mr. X
 Feb 26th, 2008
I was called from 971-285-3130 at almost 1pm cst on 2-26-08. I was told that I would only need to pay $69 to have the welcome/orientation packet sent to me. Also, that I would be able to make between $400 and $800 per refund as my commission. I was curious and wanted more information, so I waited on the line for the operator. The only information that they were willing to give was the same phone number that I had just been contacted by, not even a company name. They were quick to tell me that since I didn't have a checking/savings account or a credit card that I could use a pre-paid credit card. How thoughtful. Telling me how to spend my own money and all. Definately a scam.
 Feb 26th, 2008
Received this call about 12:45 central. They didn't leave a message. I wonder how they are getting our numbers. I'm searching for employment. I wonder if they're fraudulently getting our numbers through Monster or another job site. We're unlisted, and on the Do Not Call list, so it's not like our number is just out there for anyone to find. Weird. And, if they keep calling, I would like to know who to report them to.
 Feb 26th, 2008
Our caller ID says "Underwood D"
We use a VoIP phone.
 Feb 24th, 2008
Ive also recieved calls from 971-285-3130. they tell me that they are a third party co. in utah and the co is in portland oregon. Im interested in kwowing how el pistolero and charles obtained the info of those people. the thing I did was get a walmart gift card to order the package but the telemarketer has been having trouble retrieving the money so no transaction has been made. Im currious to know if some has gone through with this and succeded?
 Feb 24th, 2008
I hit all the required numbers as if interested finally got a real person who didn't speak very well, they immediately wanted my information, I stopped them right there and said I was on the do not call list and what phone number are you calling from so I can check it out to make sure whatever they were advertising was legit they faltly hung up on me! These kinds of calls are the latest thing to get around the Do Not Call List.
 Feb 22nd, 2008
I lived in Oregon for a time and this call listed it as the origin point. I did not pick up because the only people in Oregon who I would want a call from would still be at work. No voicemail was left.
 Feb 21st, 2008
keeps calling and hanging up this is once a day for 2weeks
 Feb 20th, 2008
This is a scam, HUD has a warning on their website telling people to beware.
 Feb 19th, 2008
Automated call about working as a government insurance claims processor.
 Feb 19th, 2008
Called but left no message.
 Feb 19th, 2008
This phone call was some sort of telemarketing to accept a job helping people get refunds from the Government. It said, "A small one time fee of $69.95 is required". Total scam. I pressed the key to speak to an operator and asked the name of the company. The operator (Heidi) said that the company was called "GMI Enterprises". They have a meager website here ->

This domain was registered as:
Curtis Dawn
8898 SW Stono Dr
Tualatin, Oregon 97062
United States

Registered through:, Inc. (
Created on: 11-Jan-07
Expires on: 11-Jan-09
Last Updated on: 11-Jan-08

Administrative Contact:
Dawn, Curtis
8898 SW Stono Dr
Tualatin, Oregon 97062
United States

Technical Contact:
Dawn, Curtis
8898 SW Stono Dr
Tualatin, Oregon 97062
United States
 Feb 15th, 2008
Domestic Data

Home Address: 8898 SW Stono Dr
Tualatin, OR 97062
(same as business address)

Home Phone: 503-692-7076

Home Value: $325,300
(2007 appraised value)

Miscellaneous Information

Personal Email Addresses:
Curtis Dawn
Kirsti Hegg
Pesonal Website: (includes family photos)

Kirsten's Employer: Trinity Insurance Services Inc
14780 SW Osprey Dr Suite 295
Beaverton, OR 97007

Kid's Names:
Taylor, Bryn, Casey

Curtis Dawn's Band:
The Peaceful Tadpoles
Martin Lang-Lead Vocals
James Ward Byrkit-Guitar
Lt. Col. Adam Holmes (USMC)-Bass
Bill Harper-Percussion
Curtis Dawn-Backup Vocals
El Pistolero
 Feb 14th, 2008
Curtis Dawn is the man behind these businesses, however his wife is the business licensee according to public record.

Business Data

GMI Enterprises LLC
Kirstin Hegg*
El Pistolero
 Feb 14th, 2008
I got a call from 971-285-3130 on 2-13-07 at 4:21PM but when I said hello. they hang UP. I am not sure who is? what they want? how they get may cell phone number.
 Feb 13th, 2008
No message left, just keeps calling. Losers.
 Feb 12th, 2008
This company calls me at all hours with their reported message. I have called them and asked them to remove me from their list but they keep calling. I get a different operator each time who swears they will stop but the calls keep coming. I don't know how I was chosen by them to be called because I am the only one who uses this phone, but they insist that I registered with them. They claim to offer work at home employment for 38K per year if you pay for their package of information at $79.00. I understand that it is all a scamm to get your money and phone number.
 Feb 12th, 2008
No message was left on my machine.
 Feb 12th, 2008
got a call from this # yesterday that came up as "Oregon"? They didn't leave a message and they haven't called back.
 Feb 12th, 2008
I got a call from this # yesterday that came up as "Oregon"? They didn't leave a message and they haven't called back.
 Feb 12th, 2008
I just recieved the same call that this company needed workers to work at home to call people from a list that the government would send you for a fee of $69.00. this is a scam right?
Monique lawson
 Feb 07th, 2008
Recording of woman's voice saying "we've been trying to reach you about an important opportunity to become a government insurance processor" with salaries starting at "$38,000 a year". At the end of the recording, the last words are "For more information, press 1 now." If you don't enter a number, the call ends.
 Feb 04th, 2008
I got a call on my cell phone from this number. I didn't recognize it, so I didn't pick up, but since I recently received several telemarketing/scam calls on my cell phone, I decided to call it back on a work line. I reached a pre-recorded message:

"We've been trying to reach you regarding an immediate opportunity to work as a government insurance refund processor starting at up to $38,943 per year. Work from home, flexible hours, no weekends, processing government insurance refunds to homeowners. Duties include receiving, screeninig and processing FHA refund notices. No experience necessary for this opportunity. Start immediately. Call 971-285-3130 to hear a recorded message. Again that number is 971-285-3130. Thank you."

Then another voice says, "Thank you for calling" and hangs up the call.

As far as I can tell, the intial call in violation of FCC telemarketing rules if they don't give you an opportunity to ask to be taken off the list. Plus, I have no pre-existing relationship with these people.
 Dec 21st, 2007
I received a hang-up call from this number (located in Austin TX) and called it back. There was a recorded message soliciting an employment opportunity for FHA government refund processing. The message stated that if the listener wants more information, to call 971-285-3130 (located in Portland OR), which is another recorded message. Today I registered my cell phone on the National Do Not Call Registry website, but there is a 31-day grace period before I can lodge a complaint to the government DNC website.
Beth M
 Jul 23rd, 2007