I want to clarify something that I wrote above... the FTB says that the embezzlement/racketeering scheme that I caught is legal based on their interpretation of the law. I am arguing it goes against the law. Since it is a debate about interpretation of law, that is why it is a civil matter.
The overcharging of interest is a criminal matter because there is no debate about whether they are allowed to falsify records to make it look like you owe more than you do.
I want to clarify something that I wrote above... the FTB says that the embezzlement/racketeering scheme that I caught is legal based on their interpretation of the law. I am arguing it goes against the law. Since it is a debate about interpretation of law, that is why it is a civil matter.
The overcharging of interest is a criminal matter because there is no debate about whether they are allowed to falsify records to make it look like you owe more than you do.