I was told that the Special Needs Trust was originally setup with a balance. That with, just an interest rate equal to that of a standard savings account. The balance should have been a multimillion $ one by the late 80’s, early 90’s, easy.
Especially since most if not all of Jennifer’s financial needs were being met by Social Security.
Well, the total balance of the Special Needs Trust was not even close to what it should be. Very large amounts of $ have always been missing. And when Mel was questioned. Mel always had an answer. Well, I have an idea where some of those, large amounts of $ might have gone. Take a look for yourself. And see if you come to the same conclusion.
One thing is certain. The large withdrawal/transfer amounts. And mortgages are not for the benefit of Jennifer. And that is what the Special Needs Trust is for. Not, for the benefit of Mel Stern and any permanent house guest and kids.
In 1985 Mel started getting requests for Notices of Sale from lenders.
Research would find, Mel receiving a signed letter of Release of the Deed/Mortgage. When all monies that were owed at the time were paid in full.
And then Mel, research found, approval for an equity line mortgage on the real estate.
Unfortunately, research also turned up other dates. That Notices of Sale letters were mailed to Mel from lenders.
Research showed how Mel, over and over again. Got himself out of some very tight financial spots.
https://drive.google.com/file/d/1kAb6DGZMd-Xj59ljVtdAASUeMn70VLK4/view?usp=drivesdk https://drive.google.com/file/d/1kLCR7BexUexetZp-CREh3tIBAUiThbp_/view?usp=drivesdk https://drive.google.com/file/d/1kcApPbYhF03IEu0bXduLwkY2h7APR80D/view?usp=drivesdk
Mel became very delinquent on a real estate transaction some old friends had entrusted to do with Mel acting in a Trustee/Custodian role for Jennifer Stern.
That was made current when Mel received a court letter Requesting Notice of Sale in mail.
The mortgage that Mel and my Mom had originally taken out on the Highland,MD house in ’77. Mel paid off in ’94 and received a signed letter of satisfaction from the lender.
And then took a Deed of Trust out on property.
Mel Stern, was appointed by a court to be legal guardian of person and property of Jennifer Stern. Mel had shown the court that ultimately Mel was the only one who knew what was best for Jennifer. The court had now granted Mel the right to act on Jennifer’s behalf to ensure she had any all needs met for. Legal purposes and safety, health and living. Basically, to put it in layman’s terms. The court said Mel was to be in a “father figure” role for the rest of Jennifer’s life.
Know I could be wrong. But it would appear to me that Mel took this appointment to mean something a little bit more controlling than that. Anyway.
As Jennifer’s court appointed guardian and appointed representative payee by Social Security. Mel was the only one who had any access to any of Jennifer’s finances.
6/6/06 Demand from Property Manager for payment of Rent
7/7/06 Demand from Property Manager for Rent due
8/6/06 Demand from Property Manager for Rent due
11/02/06 Court Summons failure to pay rent April 06-October 06
Mel insisted on handling all of Jennifer’s finances this way. When monthly bills of Jennifer’s were not being paid. And accounts of Jennifer’s were 30 days and up, delinquent. Questions started being directed to Mel. Mel would either deny or deflect.
But in 2010, acting as Trustee. Mel purchased a 16+ acre farm in Glenelg, MD for $1.05m. Mel moved into main house. Accompanied by Mel’s permanent house guest, Laura.
Mel had a separate house built for Jennifer. That took well over a year, if not, much longer, to complete. And finally have Jennifer move onto the premises as well. The whole time Mel, Laura, and all Laura’s kids are acting as if it is their home. When in reality, the farm in Glenelg, MD is the Special Needs Trust’s. Making Jennifer the owner. Jennifer Stern is the person who should be residing in the main house. That is how I understand the Federal Law that discusses this very issue, to read.
Meanwhile, the home in Highland, MD. Mel kept that home, cleaned it out, and rented it out. But, is telling the state of MD. that. The home in Glenelg, MD is not a permanent residence and the home in Highland, MD is. This information is all public record and can all be checked out simply by going to Maryland.gov and looking up real property search.
Overall, the Special Needs Trust seems to be providing more total $ directly to Mel. Providing him a luxurious lifestyle, vacations, and more. While providing Jennifer with as few of the basics as possible.
Mel has been offered help many times. And has turned it down. I tried to push him many years ago to get a third party. With no emotional ties. To handle the Special Needs Trust. So Jennifer could go on vacations and such. Nothing ever came of it.
All I’ve ever known is to fight for what is right when it comes to Jennifer. It might come in spurts. Between, raising 4 kids of my own and then my own head injury accident. I do what I can, when I can. But my passion for my sister has never faded. I love Jennifer and miss Jennifer everyday.
Why have I waited until now to share all of this. Well I haven’t. I have been trying to get someone’s attention since I was a teenager.
I’m not a teenager anymore. Jennifer Stern is my sister, and up until 2008. If Jennifer and I weren’t living together. We saw each other multiple times a day. Before and after her accident we were best friends.
Since 2008, Mel has not let me have any contact with her. Physical or otherwise.
I am Mel Stern’s 3rd child. And while he has enjoyed a luxurious life. From money Mel continues, to this day, to steal from his adult kids.
I, yet again. Through no fault of my own. During a pandemic. Am facing eviction within a matter of weeks. We have always paid our rent. And made it very clear when we moved in. We needed some time. But wanted to buy this house. Well a few weeks ago. Owners came to us. They had decided this past summer to sell. But waited until a couple weeks ago to tell us. And now they say, they can’t afford to sell to first time homebuyers. So, their sorry, but we have to be out by 3/31.
So, by 3/31, if my husband and I don’t find something. Did I mention we have 2 lg. dogs. And that my husband is a self-employed home improvement contractor with a lot of equipment.
Then, Dr. Mel Stern’s 3rd child, that’s also 100% disabled with a brain injury will be homeless. During a pandemic.
I never would have thought. Growing up, helping others as much as I have. That my life would ever turn out like this.
I don’t regret helping one person ever. Especially, Jennifer!!!! Who I will go to my grave fighting for!!!! It doesn’t matter if Mel keeps us apart for the rest of our lives. I will continue to fight for Jennifer either way!!!!
When Jennifer was still in a coma. I begged Mel not to turn the machines off. I had just buried my Mom. I couldn’t bury my sister. I would help. And help I always have. To this very day. This is how I’m helping Jennifer. By hopefully getting this out enough. Someone will see it. And finally come help us. I’ve always been Jennifer protector. I haven’t been able to protect Jennifer since 2008.
And without proper living arrangements for myself and my family. I’m, once again, not going to be very useful to Jennifer. And she needs it!!!!