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LAWYER AIMS TO = HALT UNFAIR=20 ANNUITY SALES JUDGES APPOINTED MAN TO MAKE SURE SELLERS KNOW = THEY=20 ARE GETTING FAR LESS THEN THE VALUE OF PLAN

Lately, Charleston lawyer Troy Giatras has found = himself=20 standing between people and their money.

He=92s make people think twice about deals that would = have provided=20 seed money for a nail salon, a $40,000 down payment for a = $200,000=20 house in Orlando and rent money for a recovering = methamphetamine=20 addict.

=93Brutal,=94 he said. =93There=92s two places you = don=92t want to stand.=20 That=92s between people and love and between people and = money.=94

Gieatras does it all at the behest of two Kanawha Circuit = judges=20 who believe state law requires them to protect people = selling=20 annuity payments from rip-offs.

It=92s controversial. Although many involved in the = process=20 acknowledge that the sellers get shorted in deals, most say = that=20 shouldn=92t be a reason to keep it from going through.

=93People have a right to make bad decisions if they want = to,=94 said=20 Kanawha Circuit Judge Charlie King. =93Most time I try to = talk them=20 out of it. I tell them it=92s a bad deal. But if they tell = me they=20 know it=92s a bad deal and they want to go through with it = anyway,=20 I=92ll usually approve it.=94

King and state=92s other circuit judges began getting = requests to=20 approve these deals a few years ago, after the West Virginia = Legislature legalized the sale of annuity payments.

The measure opened the door for various outfits based in = Florida,=20 Nevada and elsewhere to begin buying up annuity payments for = a=20 fraction of their current value.

Using television ads and mail solicitations, they find = people=20 like Tony C. Walker, a Charleston resident receiving annual = payments=20 as part of a 1995 settlement that ended a personal injury=20 lawsuit.

Last year, Walker sold the rights to 179 monthly payments = of $629=20 to the Tort Victim=92s Assistance Finance Company of West = Virginia so=20 he could pay back rent and overdue car payments. The Boca = Raton,=20 Fla.-based outfit gave the $6.50-an-hour temporary worker = $20,525,=20 less than a third of the payments=92 current value, = according to court=20 records.

Like most of the people who sell their annuities to = outfits like=20 Tort Victim=92s Finance Company, Walker never had an outside = lawyer=20 look at the deal, according to court records.

Such arrangements alarmed Kanawha Circuit Judges Tod = Kaufman and=20 Jim Stucky, especially since state law only permits the = judges to=20 approve deals that are =93fair, reasonable and in the best = interest of=20 the consumer.=94

So the judges began asking Giatras to take a look at the = deals=20 for them.

=93It wouldn=92t be right for the judges to say, = =91Ma=92am, you know=20 this is a bad deal,=92 and then approve the deal,=94 said = Giatras, who=20 estimates he has made between $125 and $200 and hour doing = the work.=20 So far, only one of the five deals he=92s examined has been = approved.=20 In that one, he said, a disabled man with two kids needed = the money=20 to buy land, a trailer and better teeth.

And even then, Giatras said, the deal may not have been = in the=20 seller=92s best interest. =93I believe that, frankly, is = very=20 difficult,=94 he said.

Giatras says that people selling their annuities usually = come to=20 his office presuming that the interview with him is a = perfunctory=20 step. It=92s not until he starts looking at their monthly = expenses and=20 asking them whether they=92ve shopped around for better = deals that=20 they realize that he could end up being a roadblock.

=93I=92m the one who kind of highlights the fine = print,=94 Giatras=20 said.

He said people =93can get very bellicose, very angry=94 = when he tells=20 them that he will oppose their plans to sell off their=20 annuities.

=93But what I have found is if you give them enough = information,=20 five them enough time and present everything fairly, the = client will=20 come around,=94 he said. =93In the end, the person whose = money it is=20 respects the fact that person was looking out for = them.=94

Well, sometimes.

At least one of the people whose annuity sales plans were = spiked=20 by Giatras has said she plans on trying again in a different = court.

=93I=92m still going to try to get my money,=94 said the = woman, who=20 asked not to be named because she didn=92t want people know = that she=20 could be coming into a significant sum of cash soon. = =93I=92m go to get=20 a judge that knows all about it and knows what he=92s = doing.=94

At that, Giatras shrugs.

=93Can you stop somebody if they want to make a bad = choice?=94 he=20 asked. =93Well, only to a degree. You can stomp, you can = yell, you can=20 scream from the mountaintops. But I don=92t know if you can = stop=20 them.=94.

Main=20 Office
411 Seventh Avenue, Suite 1200 | = Pittsburgh,=20 Pennsylvania 15219-1905
Telephone 412-261-6400 | = Facsimile=20 412-261-2652

Bethlehem Office
107 = North=20 Commerce Way, Suite 100 | Bethlehem, PA 18017
Telephone=20 412-261-6400 | Facsimile=20 412-261-2652

Sharon=20 Office
109 S. Water = Avenue |=20 Sharon, PA 16146 |
Telephone 724-981-8000 | = Facsimile=20 724-981-8005

Jones, = Gregg,=20 Creehan & Gerace LLP=A9 = 2007

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