Message to Karen A Graham Consulting, LLC Clients about COVID-19

As we diligently monitor the impact of coronavirus (COVID-19), our hearts and prayers continue to go out to all those affected. We want to ensure our clients that Karen A Graham Consulting, LLC's structure is one that has prepared us for such challenges. KAGC clients can expect uninterrupted services.

Our remote team already works efficiently and securely from anywhere, and you will continue to receive the same responsive service that you have come to expect. Questions? Feel free to contact Karen or Stacy Day directly.

If your company has been impacted by the COVID-19 pandemic, and you are in need of compliance (or other) assistance, please contact Karen. We are ready to help in any way we can.


Part 1

Many managers rely on pay stubs to verify employment for their applicants, and some HFA’s even require it.  So we are using stubs to verify employment more than ever before.  Savvy housing providers, however, are finding as many as 20% of pay stubs presented are counterfeit.  This has become real struggle for some property managers while others do not even realize it is happening. 

To meet maximum or minimum income requirements for affordable housing programs, applicants and residents are providing false information, including fake pay stubs.  I am concluding this is happening for a couple of reasons:

Desperation –

  • In some areas of the country, there is a critical housing shortage especially affordable housing.  People are going go to new lengths just to have a place to live.
  • They make too much, so they present doctored stubs showing less income.
  • They don’t make enough, so they present doctored stubs to show they make more income.
  • They are not even working, but their property of choice has a work requirement.
  • They work for cash (under the table), and they or their employer do not want to get caught failing to report the income on a tax return.

Ease –

  • It’s right at your fingertips.  There are 100’s of on-line sites where you can either forge your own stubs or pay the site as little at $10 - $15 where they promise realistic looking stubs.   
  • I did it in 20 second.  Here is it:

Stay tuned for our next articles where we take a more in depth look at what we’ve uncovered including how to detect them, how to prevent them, and what to do if you discover you’ve already fallen victim.

Have you encountered fake pay stubs?  Can you share how you handled it?  

keep on complying with quality   -kg