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For Immediate Release:  
For Further Information Contact:
April 27, 2005

Office of The Attorney General
- Peter C. Harvey, Attorney General
Division of Criminal Justice
- Vaughn L. McKoy, Director
Office of the Insurance Fraud Prosecutor
- Greta Gooden Brown, Insurance Fraud Prosecutor


Rachel Sacharow


Essex County Businessman Sentenced for Auto Insurance and Chiropractic Fraud Scam

TRENTON - Division of Criminal Justice Director Vaughn L. McKoy announced that an Essex County man has been sentenced for participating in a conspiracy to defraud New Jersey insurance companies out of more than $1.2 million as part of a broad-based chiropractic and automobile insurance fraud scheme.

According to Director McKoy and Insurance Fraud Prosecutor Greta Gooden-Brown, Carl Love, Jr., 47, Northfield Avenue, West Orange, Essex County, was ordered by Essex County Superior Court Judge Paul J. Vichness to serve three years probation and to pay court costs and fines. Love was sentenced after pleading guilty on March 21 to conspiracy and possession of a weapon by a convicted felon. The charges resulted from a State Grand Jury indictment returned on Nov. 17, 2003. Also charged in the indictment were Dr. Lisa Tsilionis, her former husband, Dr. George Tsilionis, and Rudolph Hora.

The indictment alleged that between Feb. 9, 1996 and March 31, 1999, Love, the president and owner/operator of Love Courier, Inc. and Essex Shuttle, Inc., used his transportation companies to funnel patients to the Tsilionis’ chiropractic office (Allied Trauma) located in East Orange. In so doing, the Tsilionis’ increased the number of patients and the amount of Personal Injury Protection (PIP) claims submitted to insurance companies for payment of various medical, diagnostic, and chiropractic treatments. Based on Love directing patients to Allied Trauma, it was charged that the Tsilionis’ fraudulently billed 30 different insurance companies more than $1.2 million in PIP claims which sought payment for chiropractic services and electric diagnostic tests known as Somatosensory Evoked Potentials (SSEP) - chiropractic procedures that are frequently used to diagnose injuries in connection with automobile accidents. The insurance companies paid more than $435,000 on claims submitted by the Tsilionis’ and Allied Trauma.

Love’s corporations ceased operation following the execution of search warrants by investigators assigned to the Office of the Insurance Fraud Prosecutor. Additionally, Love’s corporate bank accounts were frozen and forfeited to the State. A lien was also filed on Love’s West Orange home. Love subsequently filed for bankruptcy.

State Investigator Kristen Marcus, Special State Investigator Jeremy Rabe, Civil Investigator Julia Ferreira, and Deputy Attorney General Steven B. Farman were assigned to the investigation. DAG Farman represented the Division of Criminal Justice - Office of Insurance Fraud Prosecutor at the sentencing.

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