Featured
Are You Part of the Disappearing Middle Class?
If part of the American dream is that your children will do better than you did in life, this country is headed in the wrong direction. Nearly one third of Americans who were raised in the middle class dropped down the economic ladder as adults — and that’s before the Great Recession hit. Click here to learn more and see a report by CNN.
New Hot Gift – Mobile Gift Cards

Gift cards are one of the most popular presents people give for the holidays. Now, there’s a new form of gift card you might not have heard about. They’re called “mobile ” gift cards, and they’re part of the craze that puts everything on your mobile device. Click here to learn more about this new type of gift card and some rules for smart shopping from WOIO-TV in Cleveland.
CWN Staff
Jillian Estes
Jill Estes was raised in Haddon Heights, New Jersey, and Palm Beach Gardens, Florida. As the middle daughter of small business owners, she learned early on about how important it is to be an advocate for the little guys. Read more »
Kim Fowlkes
Kim Fowlkes was born in Fort Oglethorpe, Georgia, and received a degree from Hillsborough Community College. She has extensive experience as a paralegal. Read more »
Chris Hoyer
Factory worker, Laborer, Fisherman, Career Federal and State Prosecutor, Campaign Manager, Systems Designer, and Artist.
Judy Schropp Hoyer
Judy is a wife, a mother and a human being. She was a hippie in the late 60s and attended law school in the 70’s. She prosecuted fraud on behalf of the State of Florida and the United States for 20 years and on behalf of private clients for about 10. Read more »
Nicole Mayer
Nicole spends much of her time with CWN fighting to help victims of predatory student lending, or as she likes to call it: Subprime for Kids. Read more »
Angie Moreschi
Angie has 20 years working as an investigative journalist at TV stations all over the country. She is a national award winning producer, reporter and anchor. Read more »
John Newcomer
Being the son of parents that survived "The Great Depression" John was taught at an early age the value of family and hard work. His first job was at the age of 12 delivering the evening newspaper Read more »
Jim Ross
Investigating consumer fraud, corruption and wrong-doing for the past 25 years, Jim Ross came to The Consumer Warning Network from the Economic Crimes Unit of Florida Attorney General Read more »
Al Scudieri
Al Scudieri is a native of New York City who graduated from the City University of NY. He joined the FBI in 1969 as a Special Agent and was assigned at New York, Alabama and Washington, D.C. Read more »
Terry Smiljanich
Terry is part of the original baby boomer generation, born at MacDill Airfield, Tampa, Florida, shortly after World War II, to a military family. His dad was part of the D-Day Read more »
Chad Soriano
Chad Soriano brings more than 12 years of experience as a television news videographer and still camera photographer. Chad worked at Tampa's Fox Television station, WTVT. Read more »
Larry Wiezycki
Larry´s unique brand of television post production, shooting and editing has been broadcast all over the country in both national and local feature programming. Read more »
About Us
Who We Are
The Consumer Warning Network is devoted to exposing fraud and unfair practices against consumers. Our team includes former Federal Prosecutors, FBI agents and Investigative Journalists with decades of experience in uncovering wrongdoing. We give consumers the knowledge big companies don’t want you to have, so you can fight back.CWN was founded by Attorney and former prosecutor Chris Hoyer out of frustration over the lack of meaningful help for homeowners trapped in the mortgage meltdown. After investigating big mortgage companies who created the sub-prime mess for several years, it became clear homeowners would bear the brunt of the financial hardship, especially as many began losing their homes to foreclosure. That gave birth to CWN’s first major grassroots campaign to help homeowners called “Produce the Note.” Click here to watch Chris’ original video urging homeowners to fight back.
From “Produce the Note” to drug company hypocrisy to finding out which airline is the safest, CWN is here to educate consumers in an age of overwhelming corporate greed. We hope you’ll come back often and find useful information to help you in your everyday life.
The James Hoyer Law Firm provides resources to make the operation of CWN possible.
CWN - Videos
Top Stories
Travel Clubs — Scams or Bargains?
By Terry Smiljanich: Have you received a sales pitch telling you of the wonderful bargains that you could get if you joined a travel club? For a lifetime membership... Read more »
Oh no! Twinkies and HoHos Go Bust
Don’t look now, but the maker of Twinkies and HoHos and Ding Dongs, along with other iconic snack foods of many generations gone by, has succumbed to the bad... Read more »
Consumer Alerts
Protect Yourself from Cyber World Scammers
By Angie Moreschi: ‘Tis the season to do lots of online shopping, and while the internet can be a safe and easy place to do business, there are also plenty... Read more »
America’s Safest Cars – Which Ones Are the Best?
By Terry Smiljanich: Safety is one of the major concerns for anyone considering the purchase of a car. But how do you go about rating a car’s safety? Based... Read more »
Where's the Outrage?
Shedding Some Light On Congress
This past summer we witnessed a true exercise in nonsense by our hard working members of Congress. While our nation drifted toward potential default on the federal... Read more »
“None of the Above” – Getting America Out of a Two Party Stalemate
By Terry Smiljanich: It comes as no surprise that the latest polls show Congress’s approval rating at an all time low of 14%. If we disapprove of the job Congress... Read more »
Voice of Democracy
When Did the Consumer Become the Enemy?
By Angie Moreschi: Why is it that every time you turn around these days, you find a lawmaker up on Capitol Hill trying to stick it to the consumer? Of course,... Read more »
Fight Foreclosure – Make ‘Em “Produce the Note”
Fight Foreclosure: Make ‘Em Produce The Note! Using the “produce the note” strategy is something all homeowners facing foreclosure can do. If you believe... Read more »
Your Money
President Obama’s Student Loan Plan – Thanks for Nothing
By Nicole Mayer: Americans struggling with student loan debt got a dose of “hope” from President Obama, when he announced his new plan to help ease student... Read more »
Kindle Fire vs. iPad Comparison
Visit msnbc.com for breaking news, world news, and news about the economy Finally, a less expensive alternative to the ever popular Apple iPad in the very crowded... Read more »


By Terry Smiljanich: