PIE-RATS, Those Who Plunder You In Bankruptcy

PIE-RATS, THOSE WHO PLUNDER YOU IN BANKRUPTCY SHOWS A LEGAL SYSTEM THAT IS RIGGED AGAINST MIDDLE CLASS AMERICA IN FAVOR OF THE BANKS, CREDIT CARD COMPANIES AND OTHERS Each year over the past ten years about a million Americans filed for bankruptcy "protection" from banks, credit card companies and others. Many of these ten million are self-employed individuals. Roughly 21 million of the 28 million small businesses in America are run by self employed individuals, under current bankruptcy laws. This book is about these laws and a small businessman, Harold F. Chorney. The story interweaves two parallel universes involving Hal's real life story as an entrepreneur and an imaginary world involving piracy. When Hal is petitioned into bankruptcy by his bank, his real world is merged with the imaginary world of piracy. In time, the reader begins to see that the real and imaginary worlds may not be that much different. The real world of "Hal" Chorney is shown through his family values. He was raised by immigrant parents and was one of four sons working on his father's junk truck while studying hard and becoming a workaholic; the financial and other struggles while attending an Ivy League college then joining Air Force R.O.T.C.; the unique aspects of Hal's military life being involved in the Vietnam War; different viewpoints concerning the morality of that war and the opportunities that the war presented when the government was involved in what was called the 'great silver giveaway'; the consequences of not revealing to government agencies personal and private information concerning his financial dealings with confidential sources not required by law and a myriad of other experiences. The real world of Hal shows how he turned an ad-vocation of collecting and investing in rare coins into a vocation and how his successes made him a target for the government's anti-privacy position during an era of bank failures in the 1990's. The real world of Hal first as a school teacher and then becoming a multi-millionaire as C.E.O. of a public company; founder of the Money School of Boston; becoming nationally recognized for presenting legislation to protect the consumer/investor, being involved with legislation to place tangible assets in retirement programs, being an advocate of financial privacy, his interconnection with industry and political leaders and then his world turned upside-down. Hal's bank failed and his company was forced into bankruptcy. Hal had to learn how to defend himself in this arena by researching the history of bankruptcy, the way things ought to operate in the bankruptcy system and the tradition of getting a fresh start afterwards. Stemming from a criminal referral in a bankruptcy proceeding, Hal is convicted and then imprisoned for a "white collar" crime-a false statement to a financial institution. The book describes what it is like to be imprisoned while suffering from both a head injury sustained in prison and Post Traumatic Stress Disorder from his military experiences in Vietnam. The imaginary world is introduced to the reader through a dream. The imaginary world contrasts piracy and bankruptcy in detail; the way piracy and bankruptcy actually work, the function of different parties in piracy and bankruptcy and what were the rules and similarities involving piracy of yore and those administering the bankruptcy system in the U.S.A. today. The reader learns from the common experiences of various "victims" of the bankruptcy process how to heal from the process. It shows how a group of individuals get away with plundering those in bankruptcy through the use of "dirty tricks," the use of "canons vs cannons," and the powerful influences of the friends of those who plunder you in bankruptcy, the Pie-rats. It all shows that a national problem exists and warns that you too can be the victim of this system rigged against you in favor of the banks, credit card companies and other special interest groups.
About the Author: Harold F. Chorney, also known as "Hal", was the founder and president of C.I.C., Cumberland Investment Corporation, an international tangible investment firm in it's third decade of operation, when both he and his company fell under attack from government agencies. Part of this attack included press releases to impugn Mr. Chorney's character and integrity. C.I.C. was petitioned into bankruptcy when a note was called. Then, "Hal" was convicted of a false statement to a financial institution and sentenced to prison. Mr. Chorney believes the motivation behind targeting him was to gain information about his clients and to neutralize his efforts proposing legislation that may impact a citizen's right to financial privacy. Mr. Chorney was considered to be an industry innovator, using his lobbying efforts to better protect the consumer investor. According to Public Document/Official Business #44076, on May 19, 1989, the flag of the U. S. was flown over the U. S. Capital at the formal request of Wyche Fowler, Jr. U. S. Senator in honor of Mr. Harold F. Chorney's "National efforts to bring about: Improved laws to better protect the best interest of the American Consumer investor...To strengthen regulatory efforts to safeguard the American consumer investor...and, to cause the financial products and services industry to be more accountable to the American consumer investor." Mr. Chorney's efforts earned him, his company and his retirement programs the endorsement and praise of prominent Americans including the late Congressman Eugene J. Keogh, who is considered the Father of Retirement Planning in America as author of H.R. 10, the Keogh Plan, and Loren Dunton, originator of the financial planning movement in the U. S. and founder of the Financial Planning College in Colorado, and the National Center for Financial Education. Today, Hal Chorney, TIA, is a highly booked speaker for the financial products and services industry. Hal Chorney is the author of Pie-rats, Those Who Plunder You in Bankruptcy, a book concerning our own institutions, selling out to special interest groups, thus denying American citizens their fundamental birthrights and the opportunity to achieve the American Dream. Hal is also a frequent writer, published in Barron's Financial Weekly, Wealth Magazine, Life Insurance Selling, Financial Services Advisor Magazine, The Inspirator International, the IARFC Register, The Financial Planning Encyclopedia, and other publications.