Compassion Needed by Victims not Fraudster
Post 5083
See the full video at https://lnkd.in/gimEzeKq and at https://lnkd.in/gjvwPEEz, and at https://zalma.com/blog plus more than 5050 posts.
United States Of America v. Chad Lightfoot, No. 3:17-CR-00274, United States District Court, W.D. Louisiana, Monroe Division (May 6, 2025) the Court dealt with a Motion for Compassionate Release filed by Defendant Chad Lightfoot (“Lightfoot”). The United States of America (“the Government”) opposed the Motion.
BACKGROUND
Lightfoot is an incarcerated inmate with the Bureau of Prisons (“BOP”). He filed a Motion requesting compassionate release under 18 U.S.C. § 3582(c)(1)(A). Lightfoot alleged extraordinary and compelling reasons warranting relief based on the criteria set forth in U.S.S.G. § 1B1.13.
Lightfoot made false and fraudulent representations to procure funds from a federal disaster relief program. Lightfoot claimed that his residence in Monroe, Louisiana sustained damage from a flood, when in fact, Lightfoot was residing in New Orleans during the time the incident occurred. After a four-day trial, a jury convicted Lightfoot on the sole count of the Indictment.
SENTENCING
The Court sentenced Lightfoot to 71 months’ imprisonment, followed by 5 years’ supervised release. Lightfoot is expected to be released on December 5, 2025.
RELEVANT POST CONVICTION LITIGATION
On February 26, 2024, Lightfoot filed a “Motion for Compassionate Release and or Reduction of Sentence (Amendment 821) and Appointment of Counsel.”
LAW & ANALYSIS
Generally, a district court may not modify a term of imprisonment once it has been imposed. However, § 3582(c)(1)(A) sets forth narrow circumstances where a court may “reduce the term of imprisonment” and “impose a term of probation or supervised release with or without conditions that does not exceed the unserved portion of the original term of imprisonment.”
The Court may only grant relief when the defendant shows that
1. extraordinary and compelling reasons justify a sentence reduction;
2. such a reduction is consistent with applicable statements issued by the Sentencing Commission; and
3. early release would be consistent with the sentencing factors in § 3553(a).
Extraordinary and Compelling Criteria
Lightfoot must demonstrate that extraordinary and compelling reasons warrant reducing his sentence. the Sentencing Commission set forth six specific reasons that can be considered extraordinary and compelling under 18 U.S.C. § 3582(c)(1)(A)(i):
1. the defendant’s medical condition;
2. defendant’s age;
3. family circumstances;
4. whether defendant has been a victim of abuse during custody;
5. other reasons that are ”similar in gravity” to reasons one through four; and
6. an extraordinarily long sentence.
Lightfoot points to his “family circumstances” as the basis for his Motion. Specifically, Lightfoot claims:
his four minor children need his financial and emotional support;
his mother is suffering from dementia; and
he is a possible organ donor candidate for his sister’s kidney transplant procedure.
Lightfoot does not meet or satisfy any of the family circumstances.
Danger to the Community and Section 3553(a)
Even if Lightfoot showed extraordinary and compelling reasons for granting relief, the analysis doesn’t end there. Lightfoot’s prior conduct speaks for itself. Lightfoot has been arrested and convicted for several crimes, including, armed robbery, simple and aggravated assault and battery, bank fraud, insurance fraud, and forgery. His last offense involved a fraudulent scheme to receive thousands of dollars from a federal disaster relief by falsely claiming that his Monroe residence sustained damage from a flood. Such offenses pose a danger to the community.
The USDC concluded that releasing Defendant would be contrary to the Sentencing Commission’s directive that courts should deny compassionate release to defendants who pose a danger to their communities because Defendant’s fraud scheme lasted over a year and caused grave financial and emotional harm to his many victims.
Lightfoot’s Motion was denied.
ZALMA OPINION
Chutzpah is defined as a person who murders his parents and seeks mercy because he is an orphan. People who commit fraud are, by definition, people with unmitigated gall. After being convicted and sentenced, Mr. Lightfoot tried to cut about a year off his sentence by claiming he needed to care for his children, mother and sick sister. However, the USDC refused because of the clear danger he presents to the people state of Louisiana. Lightfoot’s attempt to reduce his sentence was found by the USDC to be an example of chutzpah and he will serve his full sentence.
(c) 2025 Barry Zalma & ClaimSchool, Inc.
Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos.
Subscribe to my substack at https://barryzalma.substack.com/subscribe
Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library – https://lnkd.in/gwEYk.
Happy Law Day
ZIFL – Volume 30, Issue 9 – May 1, 2026
Read the full article at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-may-1-2026-barry-zalma-esq-cfe-2tywc, see the video at at and at https://zalma.com/blog plus more than 5300 posts.
THE SOURCE FOR THE INSURANCE FRAUD PROFESSIONAL
ZIFL – Volume 30, Issue 9 – May 1, 2026
Zalma’s Insurance Fraud Letter (ZIFL) continues its 30th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year and is written by Barry Zalma.
DOJ Creates National Fraud Enforcement Division
Will the Feds Take on Insurance Fraud? Possibly as Part of a National Anti-Fraud Effort
On April 7, 2026, the Acting Attorney General, Todd Blanche, issued a memorandum establishing the Department of Justice National Fraud Enforcement Division (NFED). The memo describes an ambitious, but perhaps redundant, vision for this ...
When Abalone Died As a Result of Multiple Causes The Efficient Proximate Cause Requires Payment
Post number 5345
Read the full article at https://www.linkedin.com/pulse/efficient-proximate-cause-doctrine-saves-claim-barry-zalma-esq-cfe-yndlc, see the video at and at and at https://zalma.com/blog plus more than 5300 posts.
In American Abalone Farms, LLC v. Star Insurance Company et al., H052643, California Court of Appeals, Sixth District (April 27, 2026) the Court of Appeals dealt with an insurance coverage issue that required application of the efficient proximate cause doctrine.
FACTS
American Abalone Farms, LLC ("American Abalone" ) operates an aquaculture farm in Santa Cruz County, California, raising abalone in tanks. In August 2020, the CZU Lightning Complex Fires led to a prolonged power outage and road closures near the farm. As a result, the farm’s water pumps failed, causing the death of most of the ...
Breach of a Specific Condition Precedent Is a Complete Defense
See the video at and at and at https://zalma.com/blog plus more than 5300 posts.
In United Services Automobile Association and State Farm Mutual Automobile Insurance Company v. Anthony Wenzell, 2026 CO 25 (Colo. Apr. 27, 2026) Anthony Wenzell was rear-ended in a car accident. He had a significant prior 2014 accident that required back surgery.
Wenzell claimed underinsured-motorist (UIM) benefits under three policies: (1) the tortfeasor’s liability policy, (2) his own primary UIM policy with State Farm, and (3) an excess UIM policy issued by USAA (under his brother’s policy, which contained an “other insurance” clause making USAA’s coverage excess over any collectible insurance).
After receiving the claims, both USAA and State Farm repeatedly requested that Wenzell execute comprehensive medical-release authorizations so they could obtain his full medical records and ...
It is Fraud to Make the Same Claim Twice
Read the full article at https://www.linkedin.com/pulse/fraud-make-same-claim-twice-barry-zalma-esq-cfe-c4g8c and at https://zalma.com/blog.
Chutzpah: After Being Paid for a New Roof Insured Makes Second Claim For Same Damages
Post number 5347
No One is Entitled to be Paid for the Same Loss Twice
In Mohammed Ali Khalili v. State Farm Lloyds, No. 14-25-00611-CV, Court of Appeals of Texas (April 30, 2026) Khalili maintained a State Farm Lloyds homeowners insurance policy for decades. In 2008 he filed a roof-damage claim; State Farm paid him to replace the entire roof (shingles and gutters). Khalili never replaced the roof and repeated his claim.
BACKGROUND
In 2021 he filed a second roof claim. State Farm’s inspectors found the roof “very old” with extensive non-storm-related damage. The claim was denied because (1) the damage did not exceed the deductible and (2) State Farm had already paid for a full roof replacement.
PROCEDURAL HISTORY
State Farm filed motion for summary...
It is Fraud to Make the Same Claim Twice
Read the full article at https://www.linkedin.com/pulse/fraud-make-same-claim-twice-barry-zalma-esq-cfe-c4g8c and at https://zalma.com/blog.
Chutzpah: After Being Paid for a New Roof Insured Makes Second Claim For Same Damages
Post number 5347
No One is Entitled to be Paid for the Same Loss Twice
In Mohammed Ali Khalili v. State Farm Lloyds, No. 14-25-00611-CV, Court of Appeals of Texas (April 30, 2026) Khalili maintained a State Farm Lloyds homeowners insurance policy for decades. In 2008 he filed a roof-damage claim; State Farm paid him to replace the entire roof (shingles and gutters). Khalili never replaced the roof and repeated his claim.
BACKGROUND
In 2021 he filed a second roof claim. State Farm’s inspectors found the roof “very old” with extensive non-storm-related damage. The claim was denied because (1) the damage did not exceed the deductible and (2) State Farm had already paid for a full roof replacement.
PROCEDURAL HISTORY
State Farm filed motion for summary...
What Must be Done after Notice of a Claim is Received by the Insurer
Read the full article at https://lnkd.in/gzvvdkMZ and at https://zalma.com/blog.
Below you will read from this post until you reach the the end of this blog post as the free part of an Excellence in Claims Handling post. To read the full article and receive all articles for members of Excellence in Claims Handling you should consider joining as a paid member to get full access to articles for members only, to our news, analysis, insurance coverage, claims, insurance fraud and insurance webinars, by clicking at the subscription link below.
A first party property policy does not insure property: it insures a person, partnership, corporation or other entity against the risk of loss of the property. Before an insured can make a claim for indemnity under a policy of first party property insurance the insured must prove that there was damage to property the risk of loss of which was insured by the policy. The obligation imposed on the insured ...