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Chapters & Sections (300)
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0:24
Initial Conversation and Podcast Introduction
0:30
Zach's Story and Outline
1:02
High-Level Overview of Zach's Life
1:33
Early Childhood and Family Background
3:05
Early Comedy Attempts and Stage Fright
3:35
Stealing Routines and Finding Own Style
4:06
Inspiration from Seinfeld and Note-taking
4:37
Meeting Other Comedians and Inspiration
5:07
Aspirations and Current Pursuits in Acting
6:08
Moving to Austin for School and Meeting First Wife
6:39
Marriage, Combining Income, and Buying a Car
7:11
Life with First Wife and Son, Including Work and Family
9:15
Tragic Car Accident Involving First Wife and Son
9:48
Feeling the Loss of Presence
10:19
Intuition and Uncertainty
10:49
Arrangements for Hospital Visit
11:52
Life-Changing Event and Reflections
12:55
The impact of the loss on daily life
13:26
Finding temporary solace in odd jobs
13:58
Returning to work and finding a new job
15:01
Working at West Telemarketing and selling products
16:03
Financial Planning and Job Opportunities
16:33
Credit and Financial Education
17:36
Struggling with Bills and Repossessions
18:39
Chasing Bills and Financial Struggles
19:42
Feeling like a Deadbeat
20:13
Weekend of Financial Struggle
20:46
Sales Pitch and Unexpected Reaction
21:17
Recording the Sale and Changing Address
23:24
Discovering the Unidentified Envelope and Card Activation
25:31
Using the Credit Card for Convenience Checks and Daily Expenses
26:05
Paying Bills and Managing Finances
27:38
Reunification with Family and Friends
28:09
Financial Independence and Spending Habits
29:11
Traveling on Delta and Emboldened Behavior
30:45
Spending Money Without a Purpose
31:16
The Realization of the Possibilities of Wealth
31:46
Travel and Upgrades
32:18
Automatic Upgrades and a Seminar
33:19
Working at West Telemarketing
33:51
Gathering Names and Quitting Jobs
34:21
Stealing Tapes and Credit Information
34:52
Leaving Texas and Moving to Atlanta
35:25
Meeting Anthony Robbins and Spending Six Thousand Dollars
36:59
Conversations on the Flight
39:06
Anthony Robbins' Interview Process
39:37
Job Offer and Training Opportunity
40:08
Living Off Fraud and Getting the Job
42:12
Initial Experiences with High-End Lifestyle and Tracking Down
42:44
Jordan Peterson's Views on IQ and Military Recruitment
43:15
Military Recruitment Criteria and CEO Backgrounds
43:46
CEO Military Experience and Psych Exam Failures
45:47
Detective's Visit and Warning
46:50
Arrest and Search of House
48:54
Consequences and Bond Issues
49:25
Arrest and Bonding Out
49:55
Anthony Robbins' Call and Job Loss
50:26
Changes in Work Schedule
52:28
Job Loss and Motivational Firing
52:59
Realizing the Impact of Training and Change
53:29
Leadership Opportunities and Reflections
54:01
Parting Ways with a Mentor
54:32
New Beginnings and Personal Growth
55:04
Job Separation and Rebuilding
56:05
Post-Job Life and New Opportunities
57:07
Introduction to Credit Card Fraud and Personal Struggles
58:11
Consequences of Credit Card Fraud
59:44
Life After Jail and Moving to Tampa
1:00:47
Phone Dating Service and Meeting Madison
1:01:18
Rental Car Scam and Manipulation
1:03:53
Recovering Evidence and Using It to Rob
1:04:23
Using Stolen Information for Personal Gain
1:04:53
Renting a Car and Keeping it a Secret
1:05:24
Giving the Rental Car to His Girlfriend
1:06:27
Moving In with His Girlfriend and Continuing Crimes
1:06:59
Corrupting Influence and Introduction to Drug Dealers
1:07:30
Making Money with Prepaid Phones
1:08:00
Building a Customer Base and Unusual Phone Calls
1:08:32
Girlfriend's Involvement and Business Expansion
1:10:36
Paying Bills and Charging Others
1:11:37
Electric Bill Comparison Over Time
1:12:38
Corporate Credit Card Numbers and House Arrest
1:14:46
Discovering Empty Credit Card Boxes and Finding Half-Months
1:15:19
Using Corporate Cards for Rental Cars and Other Expenses
1:15:50
Exchanging Rental Cars and Paying Bills with Corporate Cards
1:16:21
Paying People's Bills and Using Corporate Cards for Personal Gain
1:16:54
Going on the Run and Using Corporate Cards for Expenses
1:18:59
Sharing a Card Number and Meeting with Tech Guy Neo
1:19:29
Thoughts on Jail and Crime
1:20:00
Jail's Effect on Criminals and Promoting Crime
1:20:30
Laundering Money and Prison Experience
1:21:34
Life on the Run with Friends and Supporting Each Other
1:22:05
Creating Interchangeable Card Copies
1:22:36
Faxing and Scanning Documents
1:23:37
Story about Kids and Technology
1:24:08
Lack of Cursive Knowledge in Younger Generation
1:25:10
Using Credit Cards for Personal Expenses
1:25:40
Separating Personal and Business Finances
1:26:11
Arrest and Consequences of Credit Card Fraud
1:26:42
Bill Pay Scheme and Runners
1:28:47
Colby's Phone Call and Reaction
1:29:17
Cell Phone Use and Jail Experience
1:29:48
Learning from Jail Experience
1:30:18
Six Month Bid and Snitching
1:30:49
Learning about Business Checks
1:31:51
Business Mail Processing and Accounts Receivable
1:32:53
Using P.O. Box for Identity Theft and Business
1:33:23
Second Chance Act and Inmate Letters
1:34:56
Using Inmates' Information for Credit Card Scams
1:35:27
Selling Beacon Scores and Credit Account Information
1:35:58
Paying for Card Numbers and IDs
1:36:59
Using Instant Credit to Buy Items
1:38:02
Social Engineering Questions
1:38:34
Using Earpieces and Cordless Devices
1:39:04
Overcoming Barriers and Verifying Answers
1:39:36
Renting U-Hauls for Furniture Delivery
1:40:07
Arrest at Sears and Business Checks
1:41:09
Arrests and Credit Checks
1:42:12
Pretending to be a 60 Year Old Person
1:42:43
Using Credit Approval to Buy Expensive Items
1:44:14
Initial Confrontation and Police Sirens
1:45:17
Police Chase and Arrest
1:46:51
Reflections in Jail
1:47:55
Methods of Fraud and Criminal Behavior
1:48:26
Criminal Profiling and Skill Development
1:49:28
Meeting with a Fraud Department Employee
1:50:00
Interviewing the Fraud Department Employee and Gaining Insights
1:51:02
Initial Disappointment with Bank's Policy
1:51:34
Example of Faux Pas and Bank's Obligation to Pay Back
1:52:05
Processing the Concept of Faux Pas and Bank's Policy
1:53:08
Applying the Concept to Personal Situation and Risk Assessment
1:54:40
Justifying the Scheme's Legality
1:55:10
Personal Experience with Bank Accounts
1:55:41
Calculating Potential Earnings
1:56:11
Limitations of Bank Account Openings
1:57:46
Involving Others in the Scheme
1:58:18
Turning point in financial decisions
1:58:48
Learning about drug use and criminal environment
1:59:20
Recruiting people for a concept
1:59:52
Using identities to open bank accounts
2:01:55
Obtaining Birth Certificate and ID
2:02:27
Creating Utility Bills and Documents
2:02:58
Opening Bank Accounts and Creating Wealth
2:04:33
Scaling the Operation and Recruiting Others
2:05:36
Dealing with Drug Dealers and Volunteer Recruitment Issues
2:06:08
Problems Encountered with Drug Users and Alternative Recruitment Strategies
2:06:39
Courthouse Visit and Overcoming Fears
2:08:10
Challenges with Drug Addicts and Identity Purchases
2:08:41
Setting up Identity Theft and Credit Card Fraud
2:09:12
Using Stolen Identities to Open Bank Accounts
2:09:42
Arranging Travel and Accommodations for Identity Theft Victims
2:10:43
Using Business Accounts to Pay for Travel and Accommodations
2:11:44
Phone Call from Hotel and Zach Corp
2:12:15
Getting tickets to the Rock and Roll Hall of Fame
2:12:45
Hotel manager's concerns about drug use
2:13:16
Hotel manager's accusations and hotel incident
2:14:48
Western Union story about desperate people
2:15:49
Considering a Different Group of People
2:16:20
Making an Offer to the Ladies
2:16:52
Explaining the Scam
2:17:57
Cloning a Debit Card and Making a Money Order
2:18:58
Account Dispute and Investigation
2:19:28
Bank Manager's Apology and Resolution
2:19:59
Electronic Transfer and Account Closure
2:20:29
Scam Explanation and Details
2:21:31
Rental Car and Scammers' Departure
2:22:01
Preparing IDs and Meeting with Individuals
2:22:33
Trouble Arises in South Carolina
2:23:38
Dealing with Drug Addicts and Fraudulent Behavior
2:25:09
First Appearance Hearing and Observations
2:26:09
Writing Down Charges and Bond Information
2:27:12
Proposing a Solution to Help with Bond
2:28:13
Bonding and Property Clerk
2:28:44
Business Goals and Expenses
2:29:16
Crews and Business Ventures
2:30:17
Financial Freedom and Lifestyle
2:31:50
Using Prison Information to Spread Fraud
2:32:22
Researching the Second Chance Act
2:32:53
Sending Letters to Prisoners and Gathering Information
2:33:54
Receiving a High Response Rate to Letters
2:34:27
Additional Information and Considerations
2:34:57
Sharing Personal Experiences and Extenuating Circumstances
2:35:28
Sharing More Personal Experiences and Extenuating Circumstances
2:35:59
Discussing Business Ventures and Franchise Management
2:36:30
Sharing More Business Ventures and Franchise Management
2:37:31
Sharing a Specific Story About a General
2:38:01
Sharing Another Specific Story About a General
2:38:32
Friend's Arrest and Crack Use
2:39:04
Discussion of Friend's Situation
2:39:33
Dominoes Falling and FBI Involvement
2:40:05
Operational Logistics and Team Members
2:42:11
Mary Introduces Herself and Makes a Proposal
2:42:41
Follow-up Call with Mary and Proposal Discussion
2:43:13
Mary's Background Check and Scam Scheme
2:44:44
Test Run and Demonstration of the Scheme
2:45:14
Final Discussion and Agreement with Mary
2:45:44
Initial Agreement and Travel Plans
2:46:14
Mary's Arrest in Georgia
2:46:45
Discussion of Mary's Arrest and Bonding
2:47:17
Details of Mary's Arrest and Bonding Process
2:48:50
Arrangements for Mary's Release
2:49:21
Mary's Initial Bond Issues and Charges
2:49:52
Additional Charges and Bond Issues
2:50:23
Mary's Continued Incarceration and Bond Disappointment
2:53:00
Peyto's Plan to Get Mary Out of Jail
2:53:32
Hiring a Lawyer and Initial Concerns
2:54:33
Lawyer's Bond Fee and Guarantee
2:55:03
Phone Call with the Lawyer
2:57:07
Revelation of Real Name and Bond Hearing
2:57:38
Representing Self in Court and Hiring a Lawyer
2:58:10
Bond Hearing Preparation and Calming Down Mary
2:58:40
Update on Bond Hearing and Unexpected News
2:59:13
Discovery of Forged Checks and High Bond Amount
3:00:14
Bad News about Mary's Bond and High Bail Amount
3:01:21
Initial Bonding Discussion and Wife's Return
3:01:51
Phone Call with Bondsman
3:02:22
Wife's Reaction and Husband's Promise
3:03:54
Prison Life and Bonding Out (Continued)
3:04:56
Adrian's Representation and Deal
3:05:27
Phone Call with Adrian
3:06:59
Utah and FBI Involvement
3:07:30
Arrest and Family Plans
3:09:05
Illegal Police Actions in Fulton County
3:10:07
Social Security Number and Jurisdiction
3:12:11
Jojo's Arrest and Social Security Number
3:12:42
Junior Calls About Jojo's Arrest
3:13:13
Travel Plans and Wife's Concerns
3:14:16
Introduction to the Purple Man
3:15:18
Arrest and Sentence Details
3:16:19
Sharing a Personal Story of Incarceration
3:16:50
Prison Life and Experiences
3:17:21
Adapt and Prison Life
3h 45m⏭ 2
2h 20m⏭ 1
1h 49m⏭ 2
2h 15m⏭ 4
2h 11m⏭ 2
2h 28m⏭ 1
2h 54m⏭ 3
2h 23m⏭ 2
2h 32m⏭ 3
2h 24m⏭ 2
1h 43m⏭ 2
2h 1m⏭ 1
1h 6m⏭ 1
1h 18m⏭ 4
1h 6m⏭ 3
2h 0m⏭ 2
1h 14m⏭ 2
1h 9m⏭ 3
38m
2h 37m⏭ 2
1h 14m⏭ 1
1h 17m
2h 53m⏭ 1
1h 1m