Friday, September 2, 2011

Short-Term Disability, Family Leave, ADA and Workers' Compensation - How They All Fit Together

John's June 2014 Video Will Provide You an Overview of the Family and Medical Leave Act and Short-Term Disability Benefits Work Together




Have a Disability and Need to Take Leave From Work?

When an employee is required to miss work due to a physical ailment, many different issues and/or laws come into play.  We break down the most common below.

NOTE: Click Here to read about the interplay between FMLA, Short-Term Disability and Unemployment Compensation. 

The Flu is NOT an FMLA Qualifying Illness
Do I have an FMLA Qualifying Serious Health Condition?

WHAT IS SHORT-TERM DISABILITY?
Provides Income Reimbursement but No Job Security 

The term Short-Term Disability ("STD") refers to insurance payments that are made to employees who have to miss work due to a physical infirmity.  STD insurance is typically purchased by the company (employees may be required to contribute to the premium payment) and one's right to benefits is usually determined by the insurance company from whom the policy is purchased. Thus, while an employee may have to make his/her need for STD benefits known to the company's HR Department, the company has no say into whether an employee is entitled to the benefits - that decision is made by the STD insurance carrier.


STD payments are made by the STD insurance carrier and are typically the equivalent of about 2/3rds of one's regular salary.  STD benefits are usually payable for about 6 months.  If you are not recovered after 6 months, then you must file for Long-Term Disability benefits.



Philadelphia Employment Lawyer Explains How Rights or Benefits Under the Family Leave Act, the Americans With Disabilities Act and Short-Term Disability Insurance Policies May All Be Available at the Same Time

An employee may be entitled to STD benefits if he/she has a personal injury or illness giving rise to the need for leave under the Family and Medical Leave Act ("FMLA").

Such a medical condition may also qualify as a disability covered under the Americans With Disabilities Act ("ADA"), which means an employer may have to offer a reasonable accommodation.

Typically, one has to be out of work for at least one week before the right to STD benefits is matured.



CAN MY EMPLOYER FIRE ME IF I AM RECEIVING SHORT TERM DISABILITY BENEFITS?

It is not illegal to fire someone who is out on short-term disability; however, it is illegal to fire someone who is protected under the FLA and/or the ADA.

Stated otherwise, an employer does not have to hold open an employee's job merely because he/she is receiving STD benefits. STD benefits are monetary payments, and do not provide employees with any right to job   reinstatement upon recovery.

Fair or not, and subject to the exceptions stated below, it is not illegal to fire an employee who is out of work and receiving STD benefits.

CAN I TAKE FAMILY LEAVE AND RECEIVE SHORT-TERM DISABILITY AT THE SAME TIME?

Job Security - No Income Reimbursement
As a general rule, the only federal law that expressly prohibits terminating an employee who is out of work due to a physical condition is the FMLA. Leave under the Family and Medical Leave Act is unpaid - the purpose of the statute is only to provide a right to job reinstatement provided that the employee returns prior to the expiration of the FMLA leave period. 

However, if an employee has to miss work due to his/her own physical condition, the employee may obtain STD benefits while out on FMLA. Accordingly, by exercising one's rights to FMLA leave and Short-Term Disability benefits in tandem, an employee secures both job reinstatement rights and a portion of one's normal wages.

CAN A SICK LEAVE BE AN APPROPRIATE REASONABLE ACCOMMODATION UNDER THE AMERICANS WITH DISABILITIES ACT?

Another potential source of job security if one is suffering from a health condition causing absence from work is the ADA. There is typically little question that a person missing work due to an ADA disability will qualify for STD benefits. In such cases, if FMLA leave is available, use it.

ADA - May Provide Additional Leave as Accommodation
If, however, one is not entitled to FMLA leave, or is unable to come back to work when FMLA leave expires, then applying for leave as a "reasonable accommodation" under ADA may be appropriate.

However, one should expect that leave from work as a reasonable accommodation under ADA would be of a shorter duration than the 12 weeks leave provided for under FMLA.

In sum and substance, if one needs a week or two to fully recover from the onset of an acute problem arising out of a disability, a strong argument can be made that such leave is a required reasonable accommodation under ADA.

So, for example, if a person who suffered a heart attack needs 2 more weeks after FMLA Leave expires in order to achieve full recovery and return to work without restrictions, such leave is in my view a required accommodation under ADA.

CAN THEY DENY ME SHORT-TERM DISABILITY BENEFITS IF I HAVE A DOCTOR'S NOTE?

Insurance companies can and will fight anything. It is fair to say that if an employee has a documented, clear physical injury (broken/fractured bone, herniated disc, surgical procedure), there is a much greater likelihood that STD benefits will be granted without argument.

Cases involving emotional/psychological afflictions, on the other hand, are typically the more hotly-contested claims. Nevertheless, I have found that, with proper medical documentation, such stress-related claims are frequently successful.

However, and particularly where stress-related claims are involved, STD carriers may contest a claim if there is an issue as to whether the condition is work-related.

CAN THEY DENY ME SHORT-TERM DISABILITY BENEFITS IF I SEEK WORKERS' COMPENSATION BENEFITS?

In short:  Yes.

Either STD or WC, but Not Both
The standard STD insurance policy states that workers' compensation insurance must provide salary reimbursement where work-absences arise out of work-related injuries.   Consequently, if one is approved for Workers' Compensation benefits, one will be ineligible for STD benefits. If, however, an employee's Workers' Compensation claim is denied, the application for STD benefits will be considered in due course.

NOTE:  All companies are required to have workers' compensation insurance for all employees.  STD insurance, on the other hand, is not required, and falls under the category of "voluntary employer-sponsored benefits." 

CAN I GET SHORT-TERM DISABILITY BENEFITS FOR STRESS?

Yes, but stress claims are among the most contested of all STD claims. One issue comes up a lot where stress claims are concerned - is the stress at issue work-related? If so, then the employee may have to file a Workers' Compensation claim and have that decided before any possible right to STD benefits arises. In my experience, Workers' Compensation insurers often fight stress benefit claims more vigorously than do STD insurers.

WHAT IS WORKERS' COMPENSATION INSURANCE?

Workers' Compensation insurance protects workers from loss of wages and medical expenses due to work-related injuries.  Workers' Compensation laws are enacted by states.  Since I practice in Pennsylvania, I will discuss how it works here, which I believe is typical of many states.

If an employee is injured while performing his/her job duties, a right to workers' compensation benefits arises.  The typical employer has purchased Workers' Compensation insurance from an insurance company, which in turn then decides claims and pays benefits where appropriate.

Most Workers' Compensation insurance policies pay employees approximately 2/3rds of their regular wage, pursuant to state laws, and also pay for all medical bills arising out of the injury.

CAN I BE FIRED WHILE OUT ON WORKERS' COMPENSATION?

Pennsylvania's Workers' Compensation statute does not provide for any right to job reinstatement upon the employee's ability to return to work.  Thus, in theory, you may be fired while out of work due to a work-related injury (absent FMLA protection).  However, the courts in Pennsylvania have held that it is illegal to fire an employee because he/she has filed such a claim. 

I have found that if a company is going to fire someone who has filed a Workers' Compensation claim, they wait until the person is released back to work. 

This is so because employees who have been fired while out of work due to a work injury are likely to take a little while longer to "recover" - after all, where is the incentive to recover and thereby cut off their only source of income, the workers' compensation benefits they are receiving?  Employers know that firing an employee who is out of work while receiving Workers' Compensation wage loss benefits will have the likely effect of prolonging the former employee's recovery period, which in turn has the effect of increasing the company's Workers' Compensation insurance premiums. For this reason, if no other, I rarely see cases where employers have fired employees who were receiving wage loss benefits due to a work-related injury.

On the other hand, firing an employee soon after he/she has returned from a Workers' Compensation absence raises serious red flags, and in Pennsylvania will likely spark a lawsuit unless there is clear evidence that the employee did something (other than have the temerity to file a Workers' Compensation claim) that warranted termination.

CAN I GET FMLA LEAVE AND WORKERS' COMPENSATION AT THE SAME TIME?

Yes.  FMLA provides another layer of job security, and may be taken when one is required to miss work due to a work-related injury.

ALPHABET SOUP

FMLA, ADA, STD, LTD, Workers' Compensation, Social Security and Unemployment Compensation may all be implicated when an employee is required to miss work due to a physical malady.  Understanding how all of these laws fit together is a challenge, and I hope that this post has provided some useful guidance.

Philadelphia Area Employment Lawyer.

John A. Gallagher, Esquire
Helping Workers Since 1991
Philadelphia Area Family Leave and Disability Attorney Representing Employees

John A. Gallagher is an employment lawyer who represents employees in Pennsylvania. 

John typically represents employees who need an employment lawyer in Philadelphia County, Chester County, Delaware County, Bucks County, Berks County, Lancaster County and Montgomery County.

Pennsylvania Employment Attorney Provides Free Telephone Consultations

If you are looking for an employment lawyer, and live in Malvern, Wayne, King of Prussia, Downingtown, Glenside, Doylestown, Radnor, Newtown Square, Exton, Philadelphia, West Chester, Skippack, Langhorne, Haverford, Nether Providence, Broomall, Drexel Hill, Reading or any of their surrounding towns, feel free to send me an e-mail or give me a call.  I am always glad to spend some time with people via a free telephone consultation.

Call 610-647-5027
Need an Employment Labor Lawyer Near Philadelphia?

Click Here if you have questions about any aspect of employment law, from wrongful termination, to wage and overtime claims, to discrimination and retaliation laws, to Family and Medical Leave

Click Here if you have questions about any aspect of Pennsylvania Unemployment Law, from willful misconduct, to voluntary quit, to Referee Hearings, to severance issues

Click Here to e-mail John directly.

Thanks for checking in with us.

281 comments:

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Amaya Nicole said...

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You can also visit his website http://DrSambo443.website2.me


Unknown said...

Hello everyone ,this is unbelievable,i'm not asthmatic anymore , month ago i contacted Dr Sambo for a herbal treatment for asthma , he told me that he has a herbal medicine that will make me free from asthma forever , my condition was getting worst . i never believed but i got the herbal medicine , he instructed me on how to use them , i followed his instructions religiously and to my greatest surprise i was at my friends place and she used a very concentrated perfume and i was able to stay with her till i left and we made dinner together we fried meet , i was inside smoke for a while and nothing happened , i went to the hospital for a test and the doctor confirmed that my airways are opened and no more extra mucus and its not swollen . he said he needed to know how i got this miracle and i told him about Dr Sambo , if you are asthmatic and you want to get completely healed , Dr Sambo is the only solution . inhaler will not cure you . contact him now for your total cure and thank me later Dr. Sambo his contact details seen below: divinespellhome@gmail.com
WhatsApp him now +1(267)527-9481

You can also visit his website http://DrSambo443.website2.me


Mark Russ said...

I’m Mark Russ , I contracted HIV in 2009, I was told by my doctor that
there’s no possible cure for HIV. I started taking my ARV’s, My CD4 was 77
and viral load was 112,450. I saw a website of Dr. Imoloa also I saw a lot
of testimonials about him on how he uses herbal medicine to cure HIV. I
contacted him and told him my problems, He sent me the herbal medicine and
I took it for 7 days after then I went for check-up and I was cured. The
medicine has NO SIDE EFFECT, there’s no special diet when taking the
medicine. He also cure DIABETES, EX BACK, ALS, HEPATITIS B, CANCER, HERPES
1) If you want your ex back.
(2) If you always have bad dreams.
(3) You want to be promoted in your
office.
(4) You want women/men to run after
you.
(5) If you want your own children
(6) You want to be rich.
(7) You want to tie your husband/wife to
be
yours forever.
(8) If you need financial assistance.
(9) How you been scammed and you
(10) and if you ant your herpes cure back
want to recover you lost money
(11) CANCER,
(12) DIABETES,
(13) HIV&AIdS,
(14) URINARY TRACT INFECTION,
(15) CANCER,
(16) IMPOTENCE,
(17) BARENESS/INFERTILIY
(18) DIARRHEA
(19) ASTHMA..
Also contact him with the above.
and lots more. You can reach him on drimoloaherbalmademedicine@gmail.com or
Whatsapp +2347081986098 all thanks to dr imoloa he is really a great man .

Mark Russ said...

I’m Mark Russ , I contracted HIV in 2009, I was told by my doctor that
there’s no possible cure for HIV. I started taking my ARV’s, My CD4 was 77
and viral load was 112,450. I saw a website of Dr. Imoloa also I saw a lot
of testimonials about him on how he uses herbal medicine to cure HIV. I
contacted him and told him my problems, He sent me the herbal medicine and
I took it for 7 days after then I went for check-up and I was cured. The
medicine has NO SIDE EFFECT, there’s no special diet when taking the
medicine. He also cure DIABETES, EX BACK, ALS, HEPATITIS B, CANCER, HERPES
1) If you want your ex back.
(2) If you always have bad dreams.
(3) You want to be promoted in your
office.
(4) You want women/men to run after
you.
(5) If you want your own children
(6) You want to be rich.
(7) You want to tie your husband/wife to
be
yours forever.
(8) If you need financial assistance.
(9) How you been scammed and you
(10) and if you ant your herpes cure back
want to recover you lost money
(11) CANCER,
(12) DIABETES,
(13) HIV&AIdS,
(14) URINARY TRACT INFECTION,
(15) CANCER,
(16) IMPOTENCE,
(17) BARENESS/INFERTILIY
(18) DIARRHEA
(19) ASTHMA..
Also contact him with the above.
and lots more. You can reach him on drimoloaherbalmademedicine@gmail.com or
Whatsapp +2347081986098 all thanks to dr imoloa he is really a great man . Mark Russ , I contracted HIV in 2009, I was told by my doctor that
there’s no possible cure for HIV. I started taking my ARV’s, My CD4 was 77
and viral load was 112,450. I saw a website of Dr. Imoloa also I saw a lot
of testimonials about him on how he uses herbal medicine to cure HIV. I
contacted him and told him my problems, He sent me the herbal medicine and
I took it for 7 days after then I went for check-up and I was cured. The
medicine has NO SIDE EFFECT, there’s no special diet when taking the
medicine. He also cure DIABETES, EX BACK, ALS, HEPATITIS B, CANCER, HERPES
1) If you want your ex back.
(2) If you always have bad dreams.
(3) You want to be promoted in your
office.
(4) You want women/men to run after
you.
(5) If you want your own children
(6) You want to be rich.
(7) You want to tie your husband/wife to
be
yours forever.
(8) If you need financial assistance.
(9) How you been scammed and you
(10) and if you ant your herpes cure back
want to recover you lost money
(11) CANCER,
(12) DIABETES,
(13) HIV&AIdS,
(14) URINARY TRACT INFECTION,
(15) CANCER,
(16) IMPOTENCE,
(17) BARENESS/INFERTILIY
(18) DIARRHEA
(19) ASTHMA..
Also contact him with the above.
and lots more. You can reach him on drimoloaherbalmademedicine@gmail.com or
Whatsapp +2347081986098 all thanks to dr imoloa he is really a great man .

AGUSTINA ALEX said...

My life is full of happiness because Prophet Abulele make me to be happy. My Name is AGUSTINA ALEX, What happened to me is not what I can keep only to myself but to also tell the world so that those that have any problem with their relationship or marriage will get their love ones back and been happy once again. I and my lover had some serious issues which leads to our break up, since after then my life has never been the same, I tried all method to get him back. but they were just waste of effort and waste of time. But one day during my search on the internet, I came across someone testimony about Prophet Abulele. I contact him and explain my problem to him am still very much surprise till now how he was able to bring back my lover within 48 hours. With this great thing that happened in my life I decided to tell the whole world about this great man called Prophet Abulele. For those in need of anything he told me that in his temple there is nothing impossible. I believe him so much. Friends or to anyone reading my testimony, if you need help to bring back your ex-lover/Ex-husband or you want to have your baby please kindly contact him via email; prophetabulelehealingtemple@gmail.com and WhatsApp number +2349022406159. And I promise you that your lover will definitely come back to you

joy care said...

I am here to testify about a great herbal spell caster called Dr.ezomo who
helped me cure my HERPES SIMPLEX VIRUS . I was infected with HERPES SIMPLEX
VIRUS in 2017, i went to many hospitals for cure but there was no solution,
so I was thinking how can I get a solution out so that my body can be okay.
So One day I went on line on the Internet to know more clue about the
Herpes Simplex Virus i came across a review of a lady saying that she got
her Herpes Simplex Virus cured by A great herbal spell caster Called Dr.
ezomo. And she also went as far to drop an email address and including Dr.
Ezomo telephone number and advise anyone to contact Dr. ezomo for any kind
of help. So i gave a try by contacting him . his email and explain my
problem to him. He told me all the things I need to do and also give me
instructions to take, which I followed properly. Before I knew what is
happening after two weeks the HERPES SIMPLEX VIRUS that was in my body got
vanished . so if you are also heart broken by any deadly diseases like
HERPES, HIV, shingles, low sperm count, HPV, Cancer, Hepatitis B, etc this
great man is extremely the best in which I have seen and applauds and if
you also need a help in curing any kind of disease, you can also email him
via: dr.ezomorootandherbals@gmail.com or whapps number +2349069171173
He can also cure so many sickness

gdsgd said...

I think sticking to one partner especially your husband or wife is the best. Healthcare and Fitness Ideas

Danny lovett said...

Contact Dr Sambo now for Lottery Spell winner numbers Email: divinespellhome@gmail.com
Dr. Sambo Whats,App. him now +1(267)527-9481 You can also visit his website http://DrSambo443.website2.me
Hello everyone , there is no better way of starting a new year than starting with your dreams coming through , my name is Danny Lovett, i just won ONE MILLION DOLLARS ($ 1,000,000) I.A. LOTTERY with the help of Dr Sambo. i promised to share my testimony after i emerge a winner and that is exactly what i'm doing right now . Dr Sambo is real and guaranteed . i just confirmed it .you don't need a better help than allowing Dr Sambo to help you win any lottery of you choice . contact him today and forever be grateful.....?

Danny lovett said...

Contact Dr Sambo now for Lottery Spell winner numbers Email: divinespellhome@gmail.com
Dr. Sambo Whats,App. him now +1(267)527-9481 You can also visit his website http://DrSambo443.website2.me
Hello everyone , there is no better way of starting a new year than starting with your dreams coming through , my name is Danny Lovett, i just won ONE MILLION DOLLARS ($ 1,000,000) I.A. LOTTERY with the help of Dr Sambo. i promised to share my testimony after i emerge a winner and that is exactly what i'm doing right now . Dr Sambo is real and guaranteed . i just confirmed it .you don't need a better help than allowing Dr Sambo to help you win any lottery of you choice . contact him today and forever be grateful.....?

Boante Ray said...

I want to use this medium to testify of how i got back my ex husband after divorce, i and my husband have been married for 8 years with 2 kids, we have been a happy family. Last year his behavior towards me and the kids changed, i suspected he was meeting another woman outside out marriage, any time i confronted him, he threatened to divorce me, i did all i could to make hings right but all to no avail until i saw a post on a “love and relationship forum” about a spell caster who helps people to cast spell on marriage and relationship issues, when i contacted this spell caster via email, he helped me cast a re-union spell and my husband changed and came apologizing to me and the kids. Contact this great spell caster for your relationship or marriage issues via this email: chiefdrlucky@gmail.com or Whats App him on +2348132777335 Website : http://chiefdrluckysolutionhome.website2.me/ Good luck

Unknown said...

WHAT A GREAT MIRACLE THAT I HAVE EVER SEE IN MY LIFE. My names are Clara David I’m a citizen of USA, My younger sister was sicking of
breast cancer and her name is Sandra David I and my family have taking her
to all kind of hospital in USA still yet no good result. I decided to go to
the internet and search for cancer cure so that was how I find a lady
called peter Lizzy she was testifies to the world about the goodness of a
herbal man who has the root and half to cure all kind of disease and the
herbal man email was there. So I decided to contact the herbal man @herbalist_sakura for my
younger sister help to cure her breast cancer. I contacted him and told him
my problem he told me that I should not worry that my sister cancer will be
cure, he told me that there is a medicine that he is going to give me that
I will cook it and give it to my sister to drink for one week, so I ask how
can I receive the cure that I am in USA, he told me

That I will pay for the delivery service. The courier service can
transport it to me so he told me the amount I will pay, so my dad paid for
the delivery fee. two days later I receive the cure from the courier
service so I used it as the herbal man instructed me to, before the week
complete my sister cancer was healed and it was like a dream to me not
knowing that it was physical I and my family were very happy about the
miracle of Doctor so my dad wanted to pay him 5 million us dollars the
herbal man did not accept the offer from my dad, but I don't know why he
didn't accept the offer, he only say that I should tell the world about him
and his miracle he perform so am now here to tell the world about him if
you or your relative is having any kind of disease that you can't get from
the hospital please contact dr.sakuraspellalter@gmail.com or whats app him
+2348110114739 / via his website https://drsakuraspellalter.weebly.com/ you can follow him up on Instagram @herbalist_sakura for the cure, he will help you out with the
problem. And if you need more information about the doctor you can mail me
davidclara223@gmail.com

Unknown said...

WHAT A GREAT MIRACLE THAT I HAVE EVER SEE IN MY LIFE. My names are Clara David I’m a citizen of USA, My younger sister was sicking of
breast cancer and her name is Sandra David I and my family have taking her
to all kind of hospital in USA still yet no good result. I decided to go to
the internet and search for cancer cure so that was how I find a lady
called peter Lizzy she was testifies to the world about the goodness of a
herbal man who has the root and half to cure all kind of disease and the
herbal man email was there. So I decided to contact the herbal man @herbalist_sakura for my
younger sister help to cure her breast cancer. I contacted him and told him
my problem he told me that I should not worry that my sister cancer will be
cure, he told me that there is a medicine that he is going to give me that
I will cook it and give it to my sister to drink for one week, so I ask how
can I receive the cure that I am in USA, he told me

That I will pay for the delivery service. The courier service can
transport it to me so he told me the amount I will pay, so my dad paid for
the delivery fee. two days later I receive the cure from the courier
service so I used it as the herbal man instructed me to, before the week
complete my sister cancer was healed and it was like a dream to me not
knowing that it was physical I and my family were very happy about the
miracle of Doctor so my dad wanted to pay him 5 million us dollars the
herbal man did not accept the offer from my dad, but I don't know why he
didn't accept the offer, he only say that I should tell the world about him
and his miracle he perform so am now here to tell the world about him if
you or your relative is having any kind of disease that you can't get from
the hospital please contact dr.sakuraspellalter@gmail.com or whats app him
+2348110114739 / via his website https://drsakuraspellalter.weebly.com/ you can follow him up on Instagram @herbalist_sakura for the cure, he will help you out with the
problem. And if you need more information about the doctor you can mail me
davidclara223@gmail.com

Paul Cynthia said...

I was suffering from HIV and HERPES until i met with Dr.Isai who permanently cured me. Now that i am cured i decided to share my testimony on the internet. This is my story, i have been suffering from HIV/HERPES for some years now and during this period i was taking series of medications but none seems to be working on me, so few weeks ago i went on a search on the internet to see if i could get any information on how to get rid of this disease. On my search i came across a testimony of someone who was cured from Cancer of the breast by Dr.Isai so quickly i contacted Dr.Isai and he assured me that he was going to cure me. So he told me how we are going to go about it, after all the procedures and remedy given to me by him few weeks later i started experiencing changes all over my body, and when i finish taking the medicine i went to my doctor to confirm if really i was cured then he conducted a text on me, and my result came out Negative. So friends if you are suffering from any kinds of disease contact Dr.Isai on his Email Address: drisaiherbalcenter@gmail.com you can also call or whatsapp him on this Tel.No: +2349034352176 and receive your cure.

Unknown said...

I was diagnose 2015 and find out I’m HIV positive.I was scared because there is no cure for HIV/AIDS but today some people still don’t believe that there is cure for HIV, it can only be cured through Africans root and herbs,and our doctor’s here in USA few of them know’s about the African herbal medicine can cure Hiv but they chooses to hide it from us just to make a sales of ARV DRUGS. I did a research online finding way to get rid of my disease,I saw a comment about a herbal doctor on internet Name Dr Agbebaku who has cured several disease with his powerful herbal medicine, I contacted him on whats-app, chat with him explain my self to him.He said he can cure hiv perfectly well , he gave me his request which i send to him. within 5 days he sent me the herbal medicine through ups courier delivering service And told me how to take the medicine for 3 weeks to get cured,I did for 3 weeks, within this 3 weeks i notice a very big change in my health and i new some thing great has happened then i went to confirm my result it was absolutely Negative.The doctor who new i was hiv positive was asking me how come i am negative, what did it took to get cure and were did i get this medicine from and how did i get rid of it I told him every thing about the herbal medicine that cure me. imagine doctor telling me not to let anyone know about it,I wasn’t shock though i knew they know about the herbal cure but chose to hide it in other to make sales on ARV DRUGS,if you are HIV positive please contact my savior dragbebakuspellsolutiontemple@gmail.com or WHATSAPP him through this number +2349053099479

lettysevy said...

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hadi emi said...

GOODNEWS INDONESIA
Pertama saya ingin mengatakan jika Anda takut akan berhasil, Anda tidak akan berhasil bahkan jika kesempatan datang murah dan gratis, itu semua dimulai pada malam yang dingin sementara di tempat tidur saya pergi melalui internet hanya untuk lelah sehingga saya bisa tidur setelah lama hari di bank mencoba untuk mengamankan pinjaman dengan rumah saya dari bank HSBC di pekanbaru bagi mereka yang mungkin tahu bank ini, saya mencoba dan setelah dokumentasi saya diberitahu untuk kembali dalam waktu 30 hari yang bagi saya adalah hidup selamanya jadi saat saya ranjang memikirkan tindakan saya berikutnya, saya menemukan cerita tertentu tentang cara mendapatkan pinjaman dan pada tingkat yang sangat rendah 2% dengan nama-nama perusahaan sebagai perusahaan pinjaman Rossa Stanley saya bertanya-tanya apakah itu nyata sehingga saya menyelidiki lebih jauh dan datang di seorang wanita bernama Nadia Sisworo bersaksi bagaimana dia mendapatkan pinjaman dengan rincian banknya semua ditampilkan jadi saya mengirim email dan kami berbicara, kami mengobrol dan dia meminta saya untuk menghubungi perusahaan ibu rossa bahwa jika rumah saya nyata dan identitas saya mungkin beruntung mendapatkan pinjaman jadi saya mengirim email ke ibu Rossastanleyloancompany@gmail.com tentang kondisi saya dan formulir pinjaman diberikan, saya mengisi dan mengajukan permohonan pinjaman sebesar Rp350.000,00, dan sisanya untuk Kemuliaan Allah, saya mendapat pinjaman dari perusahaan induk rossa, jadi orang yang saya sayangi jika Anda memiliki beban keuangan yang tulus atau ingin menumbuhkan bisnis Anda jangan ragu untuk bertemu ibu rossa untuk bantuan saya yakin Rp350.000.000,00 cukup untuk meninggalkan kemiskinan dan bahagia selamanya seperti saya jika Anda masih ragu-ragu biaya untuk menghubungi saya di 08137449585 atau menulis saya di hadiemi64@gmail.com dan saya akan membuktikan kepada Anda ibu nyata

Unknown said...

WHAT A GREAT MIRACLE THAT I HAVE EVER SEE IN MY LIFE. My names are Clara David I’m a citizen of USA, My younger sister was sicking of
breast cancer and her name is Sandra David I and my family have taking her
to all kind of hospital in USA still yet no good result. I decided to go to
the internet and search for cancer cure so that was how I find a lady
called peter Lizzy she was testifies to the world about the goodness of a
herbal man who has the root and half to cure all kind of disease and the
herbal man email was there. So I decided to contact the herbal man @herbalist_sakura for my
younger sister help to cure her breast cancer. I contacted him and told him
my problem he told me that I should not worry that my sister cancer will be
cure, he told me that there is a medicine that he is going to give me that
I will cook it and give it to my sister to drink for one week, so I ask how
can I receive the cure that I am in USA, he told me

That I will pay for the delivery service. The courier service can
transport it to me so he told me the amount I will pay, so my dad paid for
the delivery fee. two days later I receive the cure from the courier
service so I used it as the herbal man instructed me to, before the week
complete my sister cancer was healed and it was like a dream to me not
knowing that it was physical I and my family were very happy about the
miracle of Doctor so my dad wanted to pay him 5 million us dollars the
herbal man did not accept the offer from my dad, but I don't know why he
didn't accept the offer, he only say that I should tell the world about him
and his miracle he perform so am now here to tell the world about him if
you or your relative is having any kind of disease that you can't get from
the hospital please contact dr.sakuraspellalter@gmail.com or whats app him
+2348110114739 / via his website https://drsakuraspellalter.weebly.com/ you can follow him up on Instagram @herbalist_sakura for the cure, he will help you out with the
problem. And if you need more information about the doctor you can mail me
davidclara223@gmail.com

Tessie Chris said...

Hi friends!
I am Tessie Chris by name and i want to use this great opportunity to
share with you some great and amazing testimony of how i was cured from HIV
Virus with the help of Dr idahosa Herbal Medicine.
Over 2 years now i have been suffering and living in pain with this deadly
virus HIV, fear grew in my mind everyday as i heard there is no cure for
it, but to me i knew that medical drugs was not the only option in treating
viruses and infection, my greatest problem was that i was stocked in pain
as the symptoms has circulated over my body.
Few Months ago i decided to get more information online concerning HIV,and
while i was surfing the web, i came across some great testimonials from
various people on how Dr idahosa has been using his herbal medicine to cure
different disease, at first i was shocked as i have never heard of such
thing before, and also i doubted if it was true as it never came up on
media, these people gave out the email address of Dr idahosa and advised we
contact him for any problem, though i was doubting him i decided to put a
test on it, moreover it was the first time for me to hear something like
that, i copied the email address of Dr idahosa and i sent him a message
about my health status and i also requested for his medicine in order for
me to get good health, he gave me a responded after some hours and he told
me the procedure involved in order for me to get his medicine, he also said
to me he was going to send me some herbal liquid medicine which was going
to take for 2 weeks and after 2 weeks i will be totally cured.
I went with Dr idahosa and i followed exactly as i was told by this man,
after 3 to 5 days of communication i eventually received a package from the
mailing service and that was the medicine sent by Dr idahosa.
I started taking the medicine as i was directed by Dr idahosa and after 2
weeks i also started seen some changes on my skin, and after a month passed
i noticed that the rashes on my skin are cleared, i was surprised and i had
a thought to myself again LIKE! IS THIS REALLY WORKING OUT? when i noticed
this changes i contacted this Great Dr and i told him about it, he told me
to go to the hospital and do some check up if the virus is still there, i
actually went to the hospital on Friday to do some test on my blood and
after 3 days the result came out that i was completely free from Hiv, still
many people will not believe this, but it did really works.
Dr idahosa is a brave man and he is set to answer all human disease, today
i am living in good health as just with a test i conquered my pain and
sorrow, Please you can contact Dr idahosa for any problem with the email
below:(dridahosasolutioncenter@gmail.com) or call him +2348134261542,
Thanks for reading this!

Tessie Chris said...

Hi friends!
I am Tessie Chris by name and i want to use this great opportunity to
share with you some great and amazing testimony of how i was cured from HIV
Virus with the help of Dr idahosa Herbal Medicine.
Over 2 years now i have been suffering and living in pain with this deadly
virus HIV, fear grew in my mind everyday as i heard there is no cure for
it, but to me i knew that medical drugs was not the only option in treating
viruses and infection, my greatest problem was that i was stocked in pain
as the symptoms has circulated over my body.
Few Months ago i decided to get more information online concerning HIV,and
while i was surfing the web, i came across some great testimonials from
various people on how Dr idahosa has been using his herbal medicine to cure
different disease, at first i was shocked as i have never heard of such
thing before, and also i doubted if it was true as it never came up on
media, these people gave out the email address of Dr idahosa and advised we
contact him for any problem, though i was doubting him i decided to put a
test on it, moreover it was the first time for me to hear something like
that, i copied the email address of Dr idahosa and i sent him a message
about my health status and i also requested for his medicine in order for
me to get good health, he gave me a responded after some hours and he told
me the procedure involved in order for me to get his medicine, he also said
to me he was going to send me some herbal liquid medicine which was going
to take for 2 weeks and after 2 weeks i will be totally cured.
I went with Dr idahosa and i followed exactly as i was told by this man,
after 3 to 5 days of communication i eventually received a package from the
mailing service and that was the medicine sent by Dr idahosa.
I started taking the medicine as i was directed by Dr idahosa and after 2
weeks i also started seen some changes on my skin, and after a month passed
i noticed that the rashes on my skin are cleared, i was surprised and i had
a thought to myself again LIKE! IS THIS REALLY WORKING OUT? when i noticed
this changes i contacted this Great Dr and i told him about it, he told me
to go to the hospital and do some check up if the virus is still there, i
actually went to the hospital on Friday to do some test on my blood and
after 3 days the result came out that i was completely free from Hiv, still
many people will not believe this, but it did really works.
Dr idahosa is a brave man and he is set to answer all human disease, today
i am living in good health as just with a test i conquered my pain and
sorrow, Please you can contact Dr idahosa for any problem with the email
below:(dridahosasolutioncenter@gmail.com) or call him +2348134261542,
Thanks for reading this!

Derek Aline said...

I wake up everyday with a smile on my face and singing praises to this powerful spell caster called Dr,bahama who has done me a great favor by rescuing my relationship from break up. I used to think that i have a perfect relationship till when my lover started coming home late and everyday he gives me different excuses then i decided to keep a close eye on him then i discovers that he was having an affair with another girl. I was heart broken because i trusted him so much and knowing that he has a secret relationship, hurts me a lot.. But i thank all those who placed the contact information of Dr,bahama on the Internet because through that i have been able to contact Dr,bahama and today my relationship has been restored with love and more romance than ever before. If you are in any kind of relationship or marriage stress i will do you a favor by dropping the contact information's of Dr,bahama which are via email: Bahamatemple@outlook.com or whatspp +38972751056

summer jessic said...

I am so happy, i never believe i will be this happy again in life, I was working as an air-hoster ( cabby crew ) for 3years but early this year, i loose my job because of this deadly disease called Herpes virus (HSV), I never felt sick or have any symptom, till all workers were ask to bring their doctors report, that was how i got tested and i found out that am HSV positive that make me loose my job, because it was consider as an STD and is incurable disease, i was so depress was thinking of committing suicide, till i explain to a friend of mine, who always said to me a problem share is a problem solved, that was how she directed me to Dr Isibor, that was how i contacted him and get the medication from this doctor and i got cured for real, I just went back to my work and they also carry out the test to be real sure and i was negative. Please contact this doctor if you are herpes positive diseases his email is: drisiborspellhome@gmail.com. or you can call or whatsApp his mobile number +2348107855231.

clad hagel said...



Am jeremiah, I am testifying about a great hebal man that cured my wife of hepatitis B and liver cirhosis. his name is Dr oniha. My wife was diagnose of hepatities two years ago, i almost spent all i had then, until i saw dr oniha recommendation online, and i call him, then he told me how to get the herb. You can call him on +2347089275769 or email him at dronihaspell@yahoo.com

Anonymous said...

With the help of a man called Dr.Ogbes I was able to get pregnant. i'm 56years of age, it was really difficult for me to pregnant though my husband loves me but it was really hurting me not having my own child but after many years I came across Dr.Ogbes whose email address is Landofanswer@hotmail.com or you reach him direct on his cell phone number +2347050270227 he told me he is going to send me a Herbs for me to drink, and will fall pregnant a week after drinking the Herbs i'm 7months pregnant now and also I will like to advice everyone looking for help to get pregnant to contact this very man via his email address at Landofanswer@hotmail.com or call him on his cell phone number +2347050270227.

Rita said...

as searching for help on the internet to get my ex lover whom will got divorced back, i came across this wonderful man called DR.ODOGBO of ODOGBO TEMPLE who did a nice job by helping me to get my divorced husband back within 48hours.. I never believe that such things like this can be possible but now i am a living testimony to it because ODOGBO TEMPLE actually brought my lover back, If you are having any relationship problems why not contact DR.ODOGBO TEMPLE via email on: (DRODOGBO34@GMAIL.COM ) OR WhatsApp him on +1443 281 3404 Then i promise you that after 48hours you will have reasons to celebrate like me.

Unknown said...

After being in relationship with Mark for seven years,he broke up with me,
I did everything possible to bring him back but all was in vain, I wanted
him back so much because of the love I have for him, I begged him with
everything, I made promises but he refused. I explained my problem to
someone online and she suggested that I should rather contact a spell
caster that could help me cast a spell to bring him back but I am the type
that never believed in spell, I had no choice than to try it, I mailed the
spell caster, and he told me there was no problem that everything will be
okay before three days, that my ex will return to me before three days, he
cast the spell and surprisingly in the second day, it was around 4pm. My ex
called me, I was so surprised, I answered the call and all he said was that
he was so sorry for everything that happened, that he wanted me to return
to him, that he loves me so much. I was so happy and went to him, that was
how we started living together happily again. Since then, I have made
promise that anybody I know that have a relationship problem, I would be of
help to such person by referring him or her to the only real and powerful
spell caster who helped me with my own problem and who is different from
all the fake ones out there. Anybody could need the help of the spell
caster, his WEBSITE :https://drosaluspellhome.wordpress.com/ you can email
him if you need his assistance in your relationship or anything. CAN NEVER
STOP TALKING ABOUT YOU SIR HIS EMAIL ADDRESS IS:drosaluspellhome@gmail.com
CO TACT HIM NOW FOR SOLUTION TO ALL YOUR PROBLEM

Anonymous said...

Hello my name is Jenna i want to share my amazing experience with the greatest spell caster Dr.Yakaya my husband was cheating on me and when i found out we had a fight which lead to him filling for a divorce i cried and fell sick when i was searching about love quotes online i saw people talking about him and his great work whose case was similar to mine they left his contact info i contacted him and he told me not to worry that after 48hrs he will cancel the divorce and be back to me after i did everything he asked me to do to my greatest surprise the next day evening it was my husband he knelt down begging me to accept him back,thank you once again Dr.yakaya you are indeed a blessing to me he can also help you contact
YAKAYATEMPLE@GMAIL.COM

rose said...

Is my gratitude and honor to say a big thanks to a man with truth and do as he promise please every one on this site should join me and thank Dr UZOYA for the glory and happiness he gave to me, i break up with my husband 2 months back and i was down and do not know what to do until i saw a post about this spell caster Dr UZOYA who i explain my situation to, and then he said to me cry not my daughter for what you seek for is right here in my temple he gave me hope when i have no hope to my greatest notice, he did the spell for me and my husband was back 3 days after the spell please if you need any help my advise for you all is go to Dr UZOYA cause he is the best of all, contact him via driraborspellcaster@gmail.com OR you can call him directly on his cell phone number +1(301)909-8775

Donna Teller said...

When my partner and i separated last year i was struggling to cope on my own with 2 kids emotionally and financially. With the help of a small loan from charlse4elliotfunds005@outlook.com now i'm able to get back on my own two feet again with less stress and in a steady time manner, you can call them at +1 408-763-5928 Thank you once again for your kind service and helping hand.

carolina peter said...

This is the most wonderful thing i have ever experienced. I visited here online on the 17 June and i saw a marvelous testimony of Tracie Adana from United States on the forum about the good works DR.tunde I never believed it, because have never heard anything about such miracle before. No body would have been able to convince me about it not until DR.tunde did a marvelous work for me that restored my marriage of 4 years by getting back my husband back i just as i read on the internet. I'm Carolina peter I was truly shocked when my husband knelt down pleading for forgiveness to accept him back. I am really short of words to use to show my appreciation to DR.tunde For his a God sent to me and my entire family for divine restoration of my marriage. Contact him now for any kind of help via Email:babatundesolutioncentre1@gmail.com or you can contact his whats-app mobile line +2348143581382 Also specialize in treating all kinds of illness, HERPES VIRUS, HEPATITIS B, CANCER, BRAIN DISEASE, PREGNANCY, DIABETES AND MORE.

Queen Kc said...

i want to let the world know about Dr, Paul the Great spell caster that brought back my husband to me when i thought all hope was lost. Dr, Paul used his powerful spell to put a smile on my face by bringing back my man with his spell, at first i thought i was dreaming when my husband came back to me on his knees begging me to forgive him and accept him back and ever since then he loves me more than i ever expected so i made a vow to my self that i will let the World know about Dr, Paul because he is a God on earth. Do you have problems in your relationship ? have your partner broke up with you and you still love and want him back ? Do you have problem with your finance ? or do you need help of any kind then contact Dr, Paul today for i give you 100% guarantee that he will help you just as he helped me. Dr, Paul email is: astoriashrine@gmail.com OR dd him on whatsapp via: +2349051441669

Abigail Mills said...

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BORROWER INFORMATION

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Mrs Abigail Mills
abigailmills.loans227@gmail.com

We look forward to hear from you ASAP

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Abigail Mills said...

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Email:abigailmills.loans227@gmail.com

Abigail Mills said...

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

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Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Please, contact us for more information: abigailmills.loans227@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: abigailmills.loans227@gmail.com
Yours Sincerely,
Mrs. Abigail Mills

We look forward to hear from you ASAP

Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

Abigail Mills said...

Greetings..
Please contact us for your secure and unsecured Loan at an Interest rate of 2%
………………………………….

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If you have any of the above problems, we can be of assistance to you but I want you to understand that we give out loans at the interest rate of 2%.

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We promise a 100% guarantee that you will receive your loan at the end of this loan transaction.There is no security check, no credit check

Regards
Abigail Mills
Abigail Mills loan company

Abigail Mills said...

Attention

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Regards
Mrs Abigail Mills
Email: abigailmills.loans227@gmail.com
Motto: We offer the fastest and reliable financial services

Abigail Mills said...

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Regards,
Mrs Abigail Mills

Abigail Mills said...

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Charles Elliot said...

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Christine said...

If not for Dr Ekpen what will I have done to restore joy in my marriage, may the good God continue to bless Dr Ekpen for helping me bring my ex husband back to me after 2 years of separation. If you are passing through break up, Dr Ekpen is the perfect solution for you. Contact him today at (ekpentemple@gmail.com) or whatsapp +2347050270218.

Google said...

Here, were you could change the cost of all faith.Do you need spiritual help, spell caster to cure all kind of diseases pregnancy spell, financial spell, business promotion spell, ex back spell, love spell, revenge spell, lupus and many more.Then you are welcome to my herbal home. DM ??for any spiritual help, contact me on WhatsApp: +38972751056 or Email:ededetemple@gmail.com

Jayden Martin said...

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Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

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Paula Mastop Bentes said...


Do you need an urgent blank ATM CARD to solve your financial needs and i just want to tell the world my experience with everyone. i discovered a hacking guy called Mike. he is really good at what he is doing, i inquired about the BLANK ATM CARD. if it works or even Exist, then i gave it a try and asked for the card and agreed to their terms and conditions. three days later i received my card and tried it with the closest ATM machine close to me, to my greatest surprise it worked like magic. i was able to withdraw up to $4000. This was unbelievable and the happiest day of my life. there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software. i just felt this might help those of us in need of financial stability. The card have really change my life. if you want to contact them, HERE is the email: blankatm156@gmail.com

Michele Resrick said...

I am sharing this testimony to partners suffering in their relationships because there is an enduring solution.
My husband left me and our 2 kids for another woman for 3 years. I tried to be strong just for my kids but I could not control the pains that torment my heart. I was hurt and confused. I needed a help, so i did a research on the internet and came across a site where I saw that Dr. Todd a spellcaster, can help get lovers back. I contacted him and he did a special prayer and spells for me. To my surprises, after some days, my husband came back home. That was how we reunited again and there was a lot of love, joy and peace in the family.
You can as well contact Dr. Todd, a powerful spell-caster for solutions on his contact manifestspellcast@gmail.com website:https://manifestspellcast.wordpress.com WhatsApp: +27613087679

maria said...


I am very happy today with my family. My name is rose sarah living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jude a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email virgolovespell@gmail.com… Now i will advice any serious persons that found themselves in this kind of problem to contact him now a fast solution without steress.. He always hello, now i call him my father.contact him now he is always online email (virgolovespell@gmail.com) or contact him on his whatsapp mobile line +2348034062173

maria said...


I am very happy today with my family. My name is rose sarah living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jude a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email virgolovespell@gmail.com… Now i will advice any serious persons that found themselves in this kind of problem to contact him now a fast solution without steress.. He always hello, now i call him my father.contact him now he is always online email (virgolovespell@gmail.com) or contact him on his whatsapp mobile line +2348034062173

Anonymous said...

With the help of a man called Dr.Ogbes I was able to get pregnant. I'm 56years of age, it was really difficult for me to pregnant though my husband loves me but it was really hurting me not having my own child but after many years I came across Dr.Ogbes whose email address is Landofanswer@hotmail.com or you reach him direct on his cell phone number +2347050270227 he told me he is going to send me a Herbs for me to drink, and will fall pregnant a week after drinking the Herbs I'm 7months pregnant now and also I will like to advice everyone looking for help to get pregnant to contact this very man via his email address at Landofanswer@hotmail.com or call him on his cell phone number +2347050270227.

marry lawson said...

HOW I GOT CURED FROM HERPES VIRUS I was diagnosed of thanks to @dr_zubby4 HERPES virus and i have tried all I can to get cured but all to no avail,,until I saw a post in a health forum about a herbalist man who prepare herbal medications to cure all kind of diseases including HERPES virus,at first I doubted if it was real but decided to give it a try,when I contacted this herbalist via his email and he prepared a HERPES herbal cure ups delivery company service, when I received this herbal medicine, he gave me step by direction on how to apply it,after applying the way I was instructed,I was totally cured of this deadly disease called HERPES, all thanks to @dr_zubby4 Email this great herbal doctor via his email Dr.zubbysolutionhome@gmail.com) or whatsapp him Via:+2348070673249 HE CAN ALSO CURE SICKNESS LIKE
{1}HIV/AIDS
{2}DIABETES
{3}EPILEPSY
{4} BLOOD CANCER
{5} HPV
{6} ALS
{7} HEPATITIS
{8}LOVE SPELL
{9} SICKLE AND ANAEMIA his Weebly sit
https://drzubbysolutionhome.weebly.com

carolina peter said...

Hello everyone I'm Carolina peter and am here to share the wonderful work Dr tunde did for me. After 4 years in marriage with my husband with 2 kids, my husband started acting weird and going out with other women and showed me cold love, on several occasions he threatens to divorce me if I dare question him about his affair with other women, I was totally devastated and confused until a old friend of mine told me about a spell caster on the internet called Dr. tunde who help people with relationship and marriage problem by the powers of love spells, at first I doubted if such thing ever exists but decided to give it a try, when I contact him, he helped me cast a love spell and within 48hours my husband come back to me and started apologizing, now he has stopped going out with other women and his with me for good and for real. Contact this great love spell caster for your relationship or marriage problem to be solved today via email: babatundesolutioncentre1@gmail.com or call or whatsap

SUSAN said...


i was married to my husband for 5 years we were living happily together for this years and not until he traveled to Italy for a business trip where he met this girl and since then he hate me and the kids and love her only. so when my husband came back from the trip he said he does not want to see me and my kids again so he drove us out of the house and he was now going to Italy to see that other woman. so i and my kids were now so frustrated and i was just staying with my mum and i was not be treating good because my mother got married to another man after my father death so the man she got married to was not treating her well, i and my kids were so confuse and i was searching for a way to get my husband back home because i love and cherish him so much so one day as i was browsing on my computer i saw a testimony about this spell caster DR MICHAEL testimonies shared on the internet by a lady and it impress me so much i also think of give it a try. At first i was scared but when i think of what me and my kids are passing through so i contact him and he told me to stay calm for just 24 hours that my husband shall come back to me and to my best surprise i received a call from my husband on the second day asking after the kids and i called DR.MICHAEL and he said your problems are solved my child. so this was how i get my family back after a long stress of brake up by an evil lady so with all this help from DR MICHAEL i want you all on this forum to join me to say a huge thanks to DR MICHAEL, and i will also advice for any one in such or similar problems or any kind of problems should also contact him his email is )(DRMICHAELSPELLCASTER@GMAIL.COM) he is the solution to all your problems and predicaments in life. once again his email address is ( DRMICHAELSPELLCASTER@GMAIL.COM ))


(1) If you want your ex back.

(2) if you always have bad dreams.

(3) If you want to be promoted in your office.

(4) If you want women/men to run after you.

(5) If you want a child.

(6) If you want to be rich.

(7) If you want to tie your husband/wife to be yours forever.

(8) If you need financial assistance.

(9) How you been scammed and you want to recover you lost money.

(10) if you want to stop your divorce.

(11) if you want to divorce your husband.

(12) if you want your wishes to be granted.

(13) Pregnancy spell to conceive baby

(14) Guarantee you win the troubling court cases & divorce no matter how what stage

(15) Stop your marriage or relationship from breaking apart.

(16) if you have any sickness like ( H I V ), (CANCER) or any sickness.

(17) if you need prayers for deliverance for your child or yourself.

once again make sure you contact him if you have any problem he will help you. his email address is (DRMICHAELSPELLCASTER@GMAIL.COM ) contact him immediately............... OR WHATSAPP HIM VIA THIS NUMBER +2348121742613 OR CALL VIA THIS +2348139206346

carolina peter said...

Hello everyone I'm Carolina peter and am here to share the wonderful work Dr tunde did for me. After 4 years in marriage with my husband with 2 kids, my husband started acting weird and going out with other women and showed me cold love, on several occasions he threatens to divorce me if I dare question him about his affair with other women, I was totally devastated and confused until a old friend of mine told me about a spell caster on the internet called Dr. tunde who help people with relationship and marriage problem by the powers of love spells, at first I doubted if such thing ever exists but decided to give it a try, when I contact him, he helped me cast a love spell and within 48hours my husband come back to me and started apologizing, now he has stopped going out with other women and his with me for good and for real. Contact this great love spell caster for your relationship or marriage problem to be solved today via email: babatundesolutioncentre1@gmail.com or call or whatsapp:+2348143581382 Also specialize in treating all kinds of illness, HERPES VIRUS, HEPATITIS B, CANCER, BRAIN DISEASE, INFERTILITY, DIABETES AND MORE.

France Robin said...

I want to share this wonderful testimony to the people all over the world on how I was cured of herpes disease by Dr. Ben. I was living with herpes for the past two years, just last month as I was browsing on the internet about herpes and HPV disease, I saw a testimony of lady called Emily , testifying of how she was cured of herpes by Dr. Ben and I decided to also email Dr. Ben for my herpes cure and he quickly respond to me and then ship the medication to me in the united state and i receive it and today i am fully cured By Dr Ben herbal medication if you are suffering from this diseases you can as well Contact this great herbal doctor via his email

Benherbalcure@gmail.com
Whats +905385050893

Williams Rose said...

I’m indeed very happy for the great help that Dr. Peterwise rendered to me, I am here to give my testimony about a doctor who helped me in my life. I and my wife was infected with HERPES SIMPLEX VIRUS last 4 years ago, we went to many hospitals for cure but there was no solution, on till one faithful day , we saw a blog whereby Dr. Peterwise cured a woman who also had herpes affection,we (Me and My wife) decided to contact him which we did, he asked us to buy some items, unfailingly we sent him the money he will need in buying the items required , He caste the spell and sent me some herbs. He asked me to go for check-up after 17 days of casting the spell, Luckily for me we were tested herpes negative, now I believe all these Testimonies about him on the internet, he is truly a great man, if you are going through the same problem and you need help you can contact the great Herbalist(peterwiseherbalhome@gmail.com) or / WhatsApp +2349032731129

Mugerwa said...

My dream finally comes through i never believe this will happen to me, i am here to share my testimony how dr Oseiboh help me to cast death spell on my uncle who killed my parents because of his company, and the matter was taking to court and was not giving justice because i was not having any prove not until i came across this great spell caster online and i explain everything that happened to me and he promise to help me cast the spell within 48hours that i should send my uncle full name and his picture that is going to confess before he die which i did as he commanded.within 2days my uncle started confessing and finally die. am grateful for what dr Oseiboh did for me and with that i promise to share this testimony to all the viewers around the globe,If you are having similar issues please do contact him,you can contact dr Oseiboh for any death spell, such as to kill your superior in the office and take his or her place,love spell,lottery,pregnancy spell,divorce spell,stop court case and win any court problems,business spell, death spell to kill your father and inherit his wealth ,death spell to kill anyone who have scammed you in the past ,spell for increase in salaries, spell for promotion at the office, spell to get your ex lover back,money spell,if things is not working well in your life then you need to contact him now via email droseiboh12@gmail.com add him on whatsapp line or call +2347017565415.

Catherine said...

Greetings to everyone reading my testimony, I know many of you will think that this is false believe me you are right, I had the same thought until i finally get helped. My name is catherine silas, I'm this way happy to be among DR OGBIDI's witnesses. In spite of everything, months ago my husband left me to another lady, but so lucky for me, i was online on the website when I saw a woman share her testimony of how he also helped her get her ex back, so I contacted him and shared my problems with him and he gave me the terms and conditions so, did as he said, to cut the long story short, Now I live happily with my husband. Thank you DR OGBIDI you are indeed a Godsent, you can also contact him if you still have pain or distress like me, he also launches other spells for protection, lottery exams etc. You can contact him via email: ogbidihomeofsolution1@gmail.com or whatsapp/call +2348052523829

Catherine said...

Greetings to everyone reading my testimony, I know many of you will think that this is false believe me you are right, I had the same thought until i finally get helped. My name is catherine silas, I'm this way happy to be among DR OGBIDI's witnesses. In spite of everything, months ago my husband left me to another lady, but so lucky for me, i was online on the website when I saw a woman share her testimony of how he also helped her get her ex back, so I contacted him and shared my problems with him and he gave me the terms and conditions so, did as he said, to cut the long story short, Now I live happily with my husband. Thank you DR OGBIDI you are indeed a Godsent, you can also contact him if you still have pain or distress like me, he also launches other spells for protection, lottery exams etc. You can contact him via email: ogbidihomeofsolution1@gmail.com or whatsapp/call +2348052523829

Richard Debra said...

Happiness is all i see now I never thought that I will be cured from HERPES virus again. I have been suffering from a deadly disease (HERPES) for the past 3 years now, I had spent a lot of money going from one places to another, from churches to churches, hospitals have been my home every day residence. Constant checks up have been my hobby not until this faithful day, I was searching through the internet, I saw a testimony on how DR Onokun helped someone in curing his HERPES disease, quickly I copied his email which is dronokunherbalcure@gmail.com just to give him a test I spoke to him, he asked me to do some certain things which I did, he told me that he is going to provide the herbal cure to me, which he did, then he asked me to go for medical checkup after some days after using the herbal cure, behold I was free from the deadly disease, he only asked me to post the testimony through the whole world, faithfully am doing it now, please brothers and sisters, he is great, I owe him in return. if you are having a similar problem just email him on : Dronokunherbalcure@gmail.com

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Kou said...


Today is the most joyful day of my life. Dr.Amiso the Great-Love-Spell Caster Lunched a Love spell on my behalf to recover my ex-husband with his spell of magic and love-enchantment spell, it work for me like magic and i am grateful and thankful.
Amiso powers are effective all over the world, no matter the country you are, Amiso spell can solve every problem just all he need is your photo pictures and your surname and first name. he is talented and powerfully gifted with powers be-young the physical realms. you can contact him today to solve any challenges you are facing today. here is the email contact to Dr.Amiso herbalisthome01@gmail.com
These are some of the cases he can solve
* Love Magic spell to find true love.and Enlargement of Penis or Breast.
* Magic Spell Love to get married on time and be happy.,
* Love Spells, Win-Back Ex lover.and Long Life,
* Success & promotion magic spell.and Fat Burning,
* lucky charm - BUSINESS STAR. Growth in Company finances.
* wards - PROTECTIVE HOOK. Protect yourself from Kidnapping and Assassins.
* curse resolution, Freedom from Generational Causes.
* spiritual cleansing. Freedom from Nightmare. Freedom from 'bad dream'
* fertility magic - Be pregnant and give birth to child of your own. herbalisthome01@gmail.com

Maria Andrea said...

I read a comment online of a Los Angeles based Journalist Reveals How She find a boyfriend, 2 months after Her ex boyfriend broke up.
I send a email message to contact same Dr.Amiso because i have this Powerful Intentions that things will work for me, i believed in testimonies are real life proves. I realized this would be good to share here as I know it will inspire others too.
fortunate enough for me i came across Dr. Amiso email contact on a blog post. Today i'm testifying with joy and happiness to the world ... this is one of the most joyful moment of my life. Dr.Amiso the Great-Love-Spell, Lunched a spell on my behalf to recover my ex-husband with his spell of magic and love-enchantment spell.
I'm married for over 6 years and it was so terrible because my husband was really cheating on me and was looking for a divorce, we broke-up before 3 months ago and we came back again after so much begging with nice gifts of love.
I love my husband so much. I couldn't have done anything to hurt him or make him feel bad anymore..i just wanted him back to loving me forever. today we are both living happily together.i love him so much. My point is, he was my first love (at least that’s what it feels like).
i'm grateful and thankful to this great man. I was at first having fear of doubt, but i give it a try and it work for my good. I'm certain this will work for you as well, 100% sure.
contact him through his personal email via (herbalisthome01@gmail.com)
he has the Powers to resolve the following relationship issues; -
* Love Spells Win-Back Ex lover, Get Wealthy & Stay Forever With You.
* Success & promotion magic spell, No One Else Except You Alone.
* Traditional herbs and roots to cure Breast Cancer, Body, Mouth & Virginal Odor / Discharge.
* Magic spell for Breast & Penis Enlargement / Reduction.
* Magic enchantment to cure Stop Nightmare, & Bad Dreams.
* spiritual cleansing, Free from Assassinating & Kidnapping.
* fertility magic - FRUITS OF WOMEN, & Carry Your Own Child.
* Burning of Fat & Regulating Sugar Content in the Body.
* decreeing magic, SPELL LOTTERY & WIN-GAMES SPELL
The internet really helps a lot in providing quick and urgent solution to life problems.
here is Dr. Amiso personal email address; herbalisthome01@gmail.com

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