WALLACE, WITTY, FRAMPTON, VELTRY LAW | WWFVLAW

Wallace, Witty, Frampton, Veltry were never partners. Susan Veltry and Robert Frampton were employees, who took the name of their predecessor(s) without knowledge or consent. It is currently a sole practice.

wwfvlaw is an acronym that is not recognized by the New York Department of State. SUSAN VELTRY and ROBERT FRAMPTON purchased an investment property from Wallace and Witty. They held the mortgage privately; its repayment not to begin for two or three years. Instead Veltry and Frampton changed the name of the firm to include their own, kept over $160,000 fire insurance, didn’t repair the building, and defaulted on the loan.

The Hartford Insurance deposition exposes the deception of SUSAN VELTRY and co-conspirator/defendant ROBERT FRAMPTON, a separate corporation. Had this information been disclosed, it would have saved years of heartache and loss of lives. It is as if they were waiting for all those who depended on the retirement income to pass away rather than repay the mortgage. In the end all but one, who was conspiring with them, is gone. In the law, this is considered civil.

THE ABUSE OF A 90-YEAR-OLD VULNERABLE WIDOW BY SUSAN VELTRY AND ROBERT FRAMPTON and their CONSPIRING, COLLUDING LAWYERS for over a DECADE, while the VICTIM was UNAWARE came to an END. The next day the victim, recovering from a life-threatening illness laid down to rest next to her loyal dog. When she awoke, she found him in an another room. It was a loss far worse than the saga of the dishonest lawyers who held her captive so many years. She pleaded to stop, though no one was listening. 

At the edge of the precipice, one year later, SUSAN VELTRY sent a courier to serve the victim with a lawsuit due to her own incompetence. VELTRY and FRAMPTON hid behind a corporate title, while the plaintiff’s good name was publicized as if roles were reversed; the predators protected.

The victim, an innocent bystander for which she knew nothing,  was overwhelmed by the actions of the vultures that were circling, unable to hold on any longer; this gentle soul whose only fight was for her life…

__________________________________________________________

wwfvlaw. com is an acronym for Wallace, Witty, Frampton Veltry for a firm no longer registered with the state of New York. 

NY State Department of Corporations as follows:

CERTIFICATE OF INCORPORATION WALLACE & WITTY, P.C. 900808000270

CERTIFICATE OF AMENDMENT  VELTRY P.C. 220719000598

The Hartford Insurance Company exposes the deception of SUSAN MICHELLE VELTRY and co-conspirator/defendant ROBERT HOWARD FRAMPTON.

THE DEPOSITION OF SUSAN VELTRY SPEAKS FOR ITSELF

SUSAN VELTRY—THE WITNESS Henderson Legal Services, Inc.

P. 40

HARTFORD INS: Is it your belief that the placement of the tarp on the roof by 1800-BOARDUP somehow caused the collapse?

SUSAN VELTRY: Yes.

HARTFORD INS: What is the basis for that belief?

SUSAN MICHELLE VELTRY:  Because the building stood for four years until a tarp was put on by 1800-BOARDUP and their other companies. And then within three weeks of the tarp being placed by 1800-BOARDUP, the  building collapsed. That’s where I get my belief from.

VELTRY, SUSAN—THE WITNESS

Henderson Legal Services, Inc.

P. 40

MR. CALLAHAN: In other words, what I’m concerned about as I read this —

SUSAN VELTRY: As the vice president of 1725.

MR. CALLAHAN: My assumption is that when you’re giving the response, it’s you who is doing all the work you’re describing, rather than someone who did it on your behalf reporting to you, that now you’re reporting to us as the representative of 1725.

SUSAN MICHELLE VELTRY: I was personally involved in hiring Carlos.

MR. CALLAHAN: So when you say “you,” you mean Susan Veltry —

SUSAN VELTRY: Yes.

MR. CALLAHAN: — as opposed to someone else on 1725 reporting to you?

SUSAN VELTRY: Yes. Yes. I’m sorry. I did it again.

MR. CALLAHAN: Did the building get renovated?

SUSAN VELTRY: No.

MR. CALLAHAN: Why not?

SUSAN VELTRY: Well, we ran into some issues with –well, let me start over.

P. 41

SUSAN MICHELLE VELTRY:  It was going to cost more money than we had expected initially. Then I think we tried to change things around, if I’m not mistaken. Again, it was a very long time. Then we needed to obtain a variance for a set off because of the size parking lot that we needed, because apparently a sump is a residential property. A sump was our next-door neighbor. It was considered residential. So we needed a variance. Because of the amount of parking spots, we needed—if I’m remembering correctly. And it just seemed to take a very, very long time. And that’s it.

MR. CALLAHAN: Okay. Did you also get business interruption funds from Hartford for the 2003 loss?

SUSAN VELTRY: I don’t think that we did.

MR. CALLAHAN: Okay. Is it possible you did and you just don’t remember?

SUSAN VELTRY: It’s possible. But I believe we didn’t.

MR. CALLAHAN: Would the business interruption—did you make a business interruption claim to Hartford for the 2003 loss

SUSAN VELTRY: Yeah. I believe we submitted a proof of loss. If I’m remembering correctly, we submitted a proof of loss to our broker, who apparently never submitted it. And I think we ended up losing it. That we, you know, never received it, if I’m remembering correctly.

MR. CALLAHAN: So you submitted a proof of loss to who?

SUSAN VELTRY: To my broker, which was ————-Tom was his first name. And I believe there was a $10,000 proof of loss. And I believe that was for the business interpretation. I can’t remember exactly.But we never—it was never submitted timely by him. We thought that it was, but it wasn’t, and we never obtained that money.

MR. CALLAHAN: You never got a $10,500 check from Hartford, that you’re aware of?

SUSAN VELTRY: I don’t think so.

MR. CALLAHAN: All right.

SUSAN VELTRY:  I don’t remember. But I know for sure that there was a 10,000—there was $10,000 that we were entitled to that we never got because of the lapse in time.

MR. CALLAHAN: So I just want to back up a little bit. Who asked you for a proof of loss, do you know?

SUSAN MICHELLE  VELTRY: The broker came to us and said, “Hey, you have to sign this proof of loss,” I believe, and I did or we did. I don’t remember who exactly signed.” And, thereafter, we kept sending letters to  him asking him, you know, what’s going on, and not getting any responses from him. And I don’t remember why we didn’t pursue it further, but apparently we didn’t. I mean, I think we just forgot—silly as it sounds.

 

MR. CALLAHAN:  Well, how did you—I think you mentioned that maybe Mr. —— didn’t provide the proof of loss to Hartford?

SUSAN VELTRY: I don’t know. I don’t know what happened. Once I signed it, I asked him a bunch of  times what’s going on. I think I sent him faxes, letters. Again, it’s a very long, long time ago. But it is a little bone of contention. So I remember we were basically cheated out of our $10,000. But it was a long time ago, and I don’t remember the exact circumstances.

SUSAN MICHELLE VELTRY: It’s “a little bone of contention.”
—————————————————————————————

THE TRAGEDY IS THE VICTIM LOST HER LIFE. 

Had it not been for these apex predators, there could have had peace in the last decade of her life.

In the 11th year when it was thought to be over, Susan Veltry filed a lawsuit against the 90-year-old decade-long-victim due to her own and her lawyers incompetence, while the victim was unaware of what if anything the lawyers were doing.  
—————————————————————————————————————————————–

FILED: SUFFOLK COUNTY CLERK 01/07/2021 09:01 PM INDEXNO. 002509/2017

P. 48

SUSAN VELTRY: After we purchased the firm, he was the broker. You know, we just continued using him.

MR. CALLAHAN: Did you speak to him on occasion on the phone or —

SUSAN VELTRY: As much as, you know, you would talk to your insurance broker. I didn’t call him to ask how his kids were. Every once in a while. I don’t have a specific recollection of having conversations, but if you have a broker that once in a while, they come in to tell you—I think the only thing I probably spoke to him about washealth insurance, you know, because that changes all the time.

SUSAN VELTRY: I mean, I don’t remember specifically.

MR. CALLAHAN: When did you stop using him?

SUSAN VELTRY:  I don’t remember.

MR. CALLAHAN: You said “of course.”

SUSAN VELTRY: So — well, it was certainly after we didn’t get our $10,000. So I just don’t remember. Honestly, I don’t remember.

MR. CALLAHAN: Were you dissatisfied with him after the $10,000?

SUSAN VELTRY: Yes. And the ignored phone calls and all that.

MR. CALLAHAN: Are you sure you don’t still use them now?

SUSAN VELTRY: Oh. I’m sorry. They are still involved somehow in the insurance on 1725. They are still the broker on that because apparently we need to keep the same insurance because other carriers don’t want a building that had a fire, apparently. Unfortunately, they are still involved in that coverage; only I haven’t spoken to them. I just get a new policy from them. All my other coverages are elsewhere.

MR. CALLAHAN: You said that no other carrier will insure the building after a fire. How do you know that?

SUSAN VELTRY: Because I spoke with my newer broker and asked them, because I wanted to take it away from —————Not that no other carrier would cover it; their rates were higher. They said you should stick with that one. As I recall, they told me to stay where I was.

MR. CALLAHAN: Did you ever ask Mr ——– to shop the account up to get a lower rate after the fire?

SUSAN MICHELLE VELTRY: I don’t believe so. We may have. I just don’t recall. It’s a long time ago. I think—I think we may have reduced the coverage because there was not as much to cover, at some point, if I’m remembering correctly. But I don’t remember specifically; you know, anything specifically.

MR. CALLAHAN: Did you ever ask ———–Corporation—well, let me just back up so I don’t  have to repeat these questions. You said you don’t really remember.

SUSAN MICHELLE VELTRY: I remember keeping up with the boarding on the windows. But I don’t remember how often. I remember—I just remember—I remember doing some the boards before we had the board-up company do them in 2007, but I don’t remember who exactly did that. And that’s with respect to the building. And then we, you know, would clean out the property, do  the landscaping, you know.

MR. CALLAHAN:  Mowing the lawn?

SUSAN MICHELLE VELTRY: Yeah. That type of thing. Cutting down trees.

MR. CALLAHAN: Do you remember how often you would— are you saying you had to reboard up the windows every so often?

SUSAN VELTRY: I don’t. I just remember having to do it at least once.

MR. CALLAHAN: But you don’t know who did it?

SUSAN VELTRY:  I don’t remember.

MR. CALLAHAN: How about the tarp on the roof; did that have to be replaced prior to December 5, 2007?

SUSAN VELTRY:  We never did it. There was tarp that was there originally, then there was the one put on on December 5th of 2007.

MR. CALLAHAN: How often would you visit the property between 2003 and 2007?

SUSAN VELTRY: Rarely, but I pass it almost every day from home.

MR. CALLAHAN: Could you see the roof when you’re driving by it?

P. 56

MR. CALLAHAN: What triggered you to call 1800-BOARDUP in the yellow pages to put a new tarp on the roof?

SUSAN VELTRY: The fire marshal called and said he believed that people were getting into the building. And he said if — and he said he wanted us to reboard the doors and windows. And he said I want you to put a new tarp on it also.

The insurance was with the original broker in the name of Wallace & Witty, not Frampton and Veltry. The fire marshal called and said he believed people were getting into the building. The fire marshal said if— 

P. 58
MR. CALLAHAN: — in around, do you know approximately what day?

SUSAN MICHELLE VELTRY: No. I just know — I just learned about it on Christmas Eve in 2007, that it had collapsed.

MR. CALLAHAN: How did you learn about it? SANTA?

SUSAN VELTRY: I honestly don’t remember. I just remember — it may have been Bob. I just remember on Christmas Eve and getting photos that the building collapsed.

P. 59
MR. CALLAHAN: Getting them on your phone?

SUSAN VELTRY: Yeah.

MR. CALLAHAN: Well, you drive by the building on a daily basis — right— essentially from work and home?

SUSAN VELTRY: Yes.

MR. CALLAHAN:— between work and home?

SUSAN VELTRY: Yes.

MR. CALLAHAN: Did you notice it had collapsed on your drive home? Did you work on the 23rd?

SUSAN VELTRY: I don’t recall. But I certainly did not notice it collapsing, ever. I just knew it collapsed on December 24th, is, you know, when I knew it collapsed.

MR. CALLAHAN: Well, had you been on vacation between the 7th of December and the 24th of December?

SUSAN VELTRY: No.

MR. CALLAHAN: All right. So if it had collapsed on the 8th or — you know, between the 8th and the 20th, would you have noticed it?

SUSAN VELTRY: Absolutely.

MR. CALLAHAN: So you got some photos, but you don’t remember who sent them to you?

Veltry, Susan www.hendersonlegalservices.com Henderson Legal Services, Inc.

MR. CALLAHAN: All right. And what was your response?

SUSAN MICHELLE VELTRY: Oh, my God. MY building collapsed. I mean, you know, what other response?

P. 74

MR. CALLAHAN: How — I mean, they would come to your law office?

MR. CALLAHAN: Do you know what they were offering to buy the property for?

SUSAN VELTRY: Not as much as we owed. I don’t remember the numbers, but it was never as much as we owed.
————————————————————————————————————————

Had Veltry and Frampton used the proceeds from the fire insurance to repair the building rather swindle those who provided the loan, it would not have collapsed four years later, nor a failed attempt to commit insurance fraud.  Instead sell at a profit and repay those who provided the private loan, allow them to live in peace. Instead greed prevailed, an attempt to get something for nothing, while all but one life was lost. 
_________________________________________________________________________________________

SUSAN MICHELLE VELTRY: But honestly, I wasn’t interested because I wanted my practice there.

MR. CALLAHAN: You wanted your?

SUSAN VELTRY: Law practice there.

MR. CALLAHAN: Oh, okay.

MR. CALLAHAN: Did you mention you ran into issues with the parking lot and getting a variance. And you mentioned that it was going to cost more than you expected to rebuild the building?

SUSAN MICHELLE VELTRY: I think, if I remember correctly, we kept changing our mind, if we wanted to do the extension or not the extension or which way to do the extension or not do the extension.

SUSAN MICHELLE VELTRY: And then, you know like, construction costs started going up a little bit. And then if we made the extension, then we had to have a bigger parking lot because you had to have a certain number of spots, but that meant you had to have less grass on the side.

SUSAN VELTRY: And then there was a sump there. So we were going to make it smaller so we didn’t have to have as many spots, so we could fit more spots there.Those were the issues that were coming up and back and forth, basically.

MR. CALLAHAN: And how long did you discuss those issues amongst yourselves as far as renovating the building?

SUSAN VELTRY: I don’t know. Long time.

MR. CALLAHAN: Like years?

SUSAN VELTRY: Probably.

MR. CALLAHAN: So were you still discussing those issues in 2007?

SUSAN VELTRY: No. I mean, not specifically, no.

MR. CALLAHAN: Was there a point where you just sort of — I mean, I’m just trying to understand what happened between 2003 and 2007 and why nothing had been renovated by the time that it collapsed.

SUSAN VELTRY:Because we wanted to make it bigger and we didn’t have enough money to make it bigger.

SUSAN VELTRY:And we thought, let’s wait until we have enough money to make it bigger because it’s cheaper to do it now than later. You know, that’s pretty much where were.

SUSAN VELTRY: And the costs started — you know, because we were making it bigger — yeah, I mean, that’s the reason.

MR. CALLAHAN: Well, do you know approximately how much it was going to cost to build; even with the extension, how much it was going to cost to rebuild the building?

SUSAN VELTRY: I don’t recall. I don’t recall. 

SUSAN VELTRY: I don’t remember.

MR. CALLAHAN: And you mentioned you were not involved with the insurance claim for the 2003 fire, correct?

SUSAN VELTRY: I don’t believe so. But I know towards the end of the claim when this was getting resolved we were involved, because we were going to be receiving the proceeds.

SUSAN VELTRY: So I don’t remember how long that claim took. I don’t remember the exact details, but I know we were following up on the check and all that.

FILED: SUFFOLK COUNTY CLERK 01/07/2021 09:01 PM INDEX NO. 002509/2017

MS. VENNOS: Did you understand that ———– Corp. was your broker? In other words, you know they are who you would go to if you wanted to file a claim or make notice of a claim?

SUSAN VELTRY: I mean, yeah. Yeah. I mean, that’s who — but I didn’t for 2007. We went directly because . . 

MS. VENNOS: Why is that?

SUSAN VELTRY: Because I — you know, he didn’t do so well the first time around. You know, at this point, you know, we filed our own claim.

MS. VENNOS: I was going to ask that, like, why you didn’t go through Mr ——— the second time?

SUSAN VELTRY: You know, he didn’t return my calls, you know, or faxes or letters regarding the 10,000 that we were owed. You know, so I have no use for him. I don’t even know why he’s still on that. But as my broker, since I couldn’t switch, it just kept on. I don’t have time to take as a broker just to — for spite. I have better things to do.

MS. VENNOS: When you got policies from Mr———-i, when you got documents from Mr ———–, did you read them?

SUSAN VELTRY: Yeah, for the most part. I don’t read them word for word, certainly. If there was anything new or different, you know.

MS. VENNOS: Well, did you know what the suit limitation period was when you took over the insurance responsibilities for 1725?

SUSAN VELTRY: Meaning what? I’m not sure what that means.

MS. VENNOS: You had a problem — you mentioned you had a problem getting the $10,000 —

SUSAN VELTRY: Mm-hmm.

MS. VENNOS: — that you wanted for business interruption. Did you know how long you had to sue for that claim?

SUSAN VELTRY: Yes.

MS. VENNOS: How long?

SUSAN VELTRY: Six years.

MS. VENNOS: How do you know that?

SUSAN VELTRY: It’s a contract statute.

MS. VENNOS: Okay. So if you look at the –Exhibit 6, which is the policy with the policy period — and I’ll just get you to the right part. Page 13 of 17 of the special property coverage form, you see where there’s a “Legal Action Against Us” —

SUSAN VELTRY: Yes.

MS. VENNOS: — provision?

SUSAN VELTRY: Yes.

MS. VENNOS: That provides two-year suit limitations?

SUSAN VELTRY: Yes.

MS. VENNOS: Okay. So would you agree, then, with respect to the 2003 loss, that you would have had two years to sue on that loss?

ROBERT FRAMPTON: I’m going to object. I mean, how can she agree to that. That’s not what the statutory law provides. I mean, that’s an exclusion in a contract that you’re presenting to us–

MS. VENNOS: Okay. So as of February 22, 2008, 1725 had notice that there was a two-year suit correct?

ROBERT FRAMPTON: Objection.

SUSAN VELTRY: I mean it may have been in the letter, but that doesn’t —

ROBERT HOWARD FRAMPTON: Why are you answering?

SUSAN MICHELLE VELTRY: I’m sorry.

MS. VENNOS: Well, you can still answer.I mean, unless you’re directing her not to.

SUSAN MICHELLE VELTRY: Direct me.

MS. VENNOS: You’re directing her not to answer that based on?

ROBERT FRAMPTON:  On whether the corporation had notice,

MS. VENNOS: If it hadn’t been for the fire of 2003, would the building have collapsed in 2007?

Veltry, Susan www.hendersonlegalservices.com Henderson Legal Services, Inc.

ROBERT HOWARD FRAMPTON: Objection.

MS. VENNOS: You can answer.

SUSAN VELTRY: I don’t know.

 

MS. VENNOS: You don’t know?

 

SUSAN VELTRY: I don’t know.

MS. VENNOS:Well —

SUSAN MICHELLE VELTRY: I’m not even sure I understand the question.

MS. VENNOS: Okay. Had there been no fire in 2003, would the building have collapsed in 2007?

ROBERT FRAMPTON: Objection.

MS. VENNOS:  You can answer.

 SUSAN VELTRY: I still don’t know.

MS. VENNOS: You think it’s possible it still would have collapsed?

MR. FRAMPTON: Objection.

SUSAN VELTRY: It’s possible.

MS. VENNOS: It’s possible?

SUSAN VELTRY: Anything’s possible.

MS. VENNOS: Why would there be a tarp on the roof in 2007 if there was no fire in 2003?

SUSAN VELTRY: There probably wouldn’t be. I’m not really sure —if there had been a fire, would the building have collapsed? I don’t know.

Henderson Legal Services, Inc.

P. 127

MS. VENNOS: You have any idea what the value of the building itself was at the time of the collapse?

SUSAN VELTRY: It did get estimates, I believe. I just don’t recall what they were right now, off the top of my head.

MS. VENNOS: You got estimates for the value of the building?

SUSAN VELTRY: Yeah. I don’t know if I got the estimate or you guys; Hartford gave me an estimate. I just don’t remember.

MS. VENNOS: Okay.

SUSAN VELTRY: Or if I saw estimates in your submissions. I just don’t recall.

P. 135

MS. VENNOS: Would there be a credit applied for the $160,000 that was paid out?

SUSAN VELTRY: I don’t know what you mean.

MS. VENNOS: Well, in other words, we paid for it once, and then nothing happened to, you know — I mean, other than maintenance and that type of thing that you’ve indicated, like you put boards on the windows and a tarp on the roof.

P. 136

MS. VENNOS: So I’ve handed you what’s been marked as Exhibit 19, which indicates, “Plaintiff seeks damages in the sum of $500,000.” And then it goes on to list different types of damages.

SUSAN VELTRY: Mm-hmm.

MS. VENNOS: One of them is loss of business income.

SUSAN VELTRY: Mm-hmm.

MS. VENNOS: What loss of business income are you talking about there?

 

SUSAN VELTRY: Well, had we had our firm in there, we would be earning income from the fact that it was in a better position. And, you know, we would be having — getting more business if we were located on Fifth Avenue.

MS. VENNOS: How do you know that?

 

SUSAN VELTRY: Because it’s more visible spot. That’s, you know, why we wanted to move in there. It’s better location.

 

MS. VENNOS: Okay.

SUSAN VELTRY: Location, location, location.

MS. VENNOS: Okay. But you didn’t have an office there before the collapse. 

SUSAN VELTRY: No.

.