UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549



FORM 10-Q

[ X]

For the quarterly period ended September  30, 2009

Or

[   ]	TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ________ to _________

___________________________________



Commission File Number 333-153679

___________________________________



AAA PUBLIC ADJUSTING GROUP, INC

(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)





|Florida                                                        | 26-0325410                          
|-------------------------------------------------------------- | ------------------------------------
|(State or other jurisdiction or incorporation or organization) | (I.R.S. Employer Identification No.)
|6365 Taft Street, Suite 1003 Hollywood                         | 33024                               
|(Address of principal executive offices)                       | (Zip Code)                          



Registrants telephone number, including area code: 954-894-0043





Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days

Yes [ X ]      No [    ]



Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes [   ]      No [    ]



Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "large accelerated filer", "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.



Large accelerated filer [  ] 	Accelerated filer [  ]   Non-accelerated filer [  ] Smaller Reporting Company [X]

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act)

Yes [   ]      No [X]



The registrant had 6,016,032 shares of common stock outstanding as of November 11, 2009







AAA PUBLIC ADJUSTING GROUP, INC

CONSOLIDATED BALANCE SHEET

SEPTEMBER 30, 2009 and DECEMBER 31, 2008





|                                                                                                                                                                                                                                             |  | 2009
(UNAUDITED) | 2008        
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------- | ------------
|Assets                                                                                                                                                                                                                                       |  |                  |             
|                                                                                                                                                                                                                                             |  |                  |             
|Current Assets                                                                                                                                                                                                                               |  |                  |             
|Cash and cash equivalents                                                                                                                                                                                                                    |  | 25,912           | $ 13,867    
|Accounts receivable - net of allowance for bad debts of  $5,595 and $ 5,595, respectively                                                                                                                                                    |  | 84,393           | 168,537     
|Prepaid expenses                                                                                                                                                                                                                             |  | 2,229            | 8,896       
|Total current assets                                                                                                                                                                                                                         |  | 112,534          | 191,300     
|                                                                                                                                                                                                                                             |  |                  |             
|Property, plant and equipment - net                                                                                                                                                                                                          |  | 81,008           | 104,435     
|                                                                                                                                                                                                                                             |  |                  |             
|Total Assets                                                                                                                                                                                                                                 |  | $ 193,542        | $ 295,735   
|                                                                                                                                                                                                                                             |  |                  |             
|                                                                                                                                                                                                                                             |  |                  |             
|Liabilities and Stockholders Equity                                                                                                                                                                                                          |  |                  |             
|                                                                                                                                                                                                                                             |  |                  |             
|Current  Liabilities:                                                                                                                                                                                                                        |  |                  |             
|Notes payable - current portion                                                                                                                                                                                                              |  | $ 19,085         | $ 18,026    
|Notes payable - related parties                                                                                                                                                                                                              |  | -0-              | 25,000      
|Accounts payable and accrued liabilities                                                                                                                                                                                                     |  | 56,333           | 76,881      
|Accounts payable to insured                                                                                                                                                                                                                  |  | 22,516           | 81,617      
|                                                                                                                                                                                                                                             |  |                  |             
|Total current liabilities                                                                                                                                                                                                                    |  | 97,934           | 201,524     
|                                                                                                                                                                                                                                             |  |                  |             
|Long Term Liabilities                                                                                                                                                                                                                        |  |                  |             
|Notes Payable - net of current                                                                                                                                                                                                               |  | 58,265           | 72,714      
|                                                                                                                                                                                                                                             |  |                  |             
|                                                                                                                                                                                                                                             |  |                  |             
|Total long term liabilities                                                                                                                                                                                                                  |  | 58,265           | 72,714      
|Total Liabilities                                                                                                                                                                                                                            |  | 156,199          | 274,238     
|Stockholders Equity                                                                                                                                                                                                                          |  |                  |             
|Preferred Stock (20,000,000 shares authorized at $.0001 par, no shares issued)

Common Stock (50,000,000 shares authorized at $.0001 par, 6,016,032 shares issued and outstanding at September 30, 2009 and December 31, 2008, respectively) |  | -0-





602     | -0-





602
|Additional paid in capital                                                                                                                                                                                                                   |  | 116,456          | 91,456      
|Accumulated deficit                                                                                                                                                                                                                          |  | (79,715)         | (70,561)    
|                                                                                                                                                                                                                                             |  |                  |             
|Total Stockholders Equity                                                                                                                                                                                                                    |  | 37,343           | 21,497      
|Total Liabilities and Stockholders Equity                                                                                                                                                                                                    |  | $ 193,542        | $ 295,735   



The accompanying notes are an integral part of the financial statements



















































AAA PUBLIC ADJUSTING GROUP, INC.

CONSOLIDATED STATEMENTS OF OPERATIONS

FOR THE THREE MONTHS AND NINE MONTHS ENDED SEPTEMBER 30, 2009 AND 2008

(UNAUDITED)



|                                                     | Three Months | Ended     | Nine Months | Ended      
|---------------------------------------------------- | ------------ | --------- | ----------- | -----------
|                                                     | 2009         | 2008      | 2009        | 2008       
|Revenues (net)                                       | $ 298,378    | $ 480,465 | $ 875,557   | $ 1,405,893
|                                                     |              |           |             |            
|Operating Expenses:                                  |              |           |             |            
|Commissions to adjusters                             | 187,473      | 251,171   | 519,200     | 769,083    
|Consulting services - related parties                | -0-          | -0-       | -0-         | 18,975     
|Consulting services - other                          | 13,780       | 24,787    | 52,770      | 52,248     
|Payroll                                              | 43,803       | 43,300    | 111,031     | 171,166    
|Other general and administrative expenses            | 63,871       | 134,749   | 196,427     | 336,861    
|Total operating expenses                             | 308,927      | 454,007   | 879,428     | 1,348,333  
|                                                     |              |           |             |            
|Net Income from operations                           | (10,549)     | 26,458    | (3,871)     | 57,560     
|Other income (expense)                               |              |           |             |            
|(Loss) on sale of fixed assets                       | -0-          | -0-       | -0-         | (18,734)   
|Interest (expense)                                   | (1,277)      | (2,583)   | (5,283)     | (8,667)    
|                                                     |              |           |             |            
|Net Income Before Income Taxes                       | (11,826)     | 23,875    | (9,154)     | 30,159     
|Provision for Income Tax                             | -0-          | (5,944)   | -0-         | (5,944)    
|                                                     |              |           |             |            
|Net Income                                           | $ (11,826)   | $ 17,931  | $ (9,154)   | $ 24,215   
|                                                     |              |           |             |            
|Net income per common share, basic                   | $ (0.00)     | $ 0.00    | $( 0.00)    | $ 0.00     
|                                                     |              |           |             |            
|Weighted average number of common shares outstanding | 6,016,032    | 6,016,032 | 6,016,032   | 6,015,089  



The accompanying notes are an integral part of the financial statements













AAA PUBLIC ADJUSTING GROUP, INC.

CONSOLIDATED STATEMENTS OF CASH FLOWS

FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2009 AND 2008

(UNAUDITED)



|                                                                                                   | 2009      | 2008     
|-------------------------------------------------------------------------------------------------- | --------- | ---------
|Cash Flows From Operating Activities:                                                              |           |          
|Net Income (Loss)                                                                                  | $ (9,154) | $ 24,215 
|                                                                                                   |           |          
|Adjustments to Reconcile Net Income (Loss) to Net Cash Provided By (Used in) Operating Activities: |           |          
|Depreciation                                                                                       | 23,427    | 22,139   
|Loss on sale of fixed assets                                                                       | -0-       | -0-      
|Provision for Bad Debts                                                                            |           | 8,992    
|Decrease (Increase) in operating assets and liabilities:                                           |           |          
|(Increase) Decrease in accounts receivable                                                         | 84,144    | (6,389)  
|Decrease in prepaid expenses                                                                       | 6,667     | 12,260   
|Increase (Decrease) in accounts payable and accrued liabilities                                    | (79,649)  | 33,175   
|Increase in Income Tax Payable                                                                     | -0-       | 5,942    
|Net Cash Provided From Operating Activities                                                        | 25,435    | 99,886   
|                                                                                                   |           |          
|Cash Flows From Investing Activities:                                                              |           |          
|Purchase of equipment                                                                              | -0-       | (34,881) 
|Net Cash Provided (Used in) Investing Activities                                                   | -0-       | (34,881) 
|Cash Flows From Financing Activities:                                                              |           |          
|Repayments of notes payable                                                                        | (13,390)  | 40,293   
|Net increase (decrease) of related party loans                                                     | -0-       | (50,000) 
|Stockholders distributions                                                                         | -0-       | 28,662   
|                                                                                                   |           |          
|Net cash provided (used) in      Financing Activities                                              | (13,390)  | 18,955   
|Net Increase in Cash and Cash Equivalents                                                          | 12,045    | 83,960   
|                                                                                                   |           |          
|Cash and Cash Equivalents at beginning of period                                                   | 13,867    | 80,538   
|                                                                                                   |           |          
|Cash and Cash Equivalents at end of period                                                         | $ 25,912  | $ 164,498
|                                                                                                   |           |          
|Supplemental Disclosures of Cash Flow Information:                                                 |           |          
|Cash payments for:                                                                                 |           |          
|Income taxes                                                                                       | $ -0-     | $ -0-    
|Interest expense                                                                                   | $ 5,283   | $ 8,667  
|Non cash activities:
Related party-contribution of note to capital                                 | $25,000   | -0-      



The accompanying notes are an integral part of the financial statements







AAA PUBLIC ADJUSTING GROUP, INC

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

SEPTEMBER 30, 2009



NOTE 1 -	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES



Organization

AAA Public Adjusting Group, Inc was incorporated in June 2007 in the State of Florida as a holding company. Its predecessor operating subsidiary,  Florida Claims Consultants, LLC was formed on March 3, 2004 in the State of Florida.  On October 22, 2007, AAA Public Adjusting Group, Inc consummated an agreement with Florida Claims Consultants, LLC, pursuant to which Florida Claims Consultants, LLC, exchanged all of its Members interest for 4,000,000 shares of common stock of AAA Public Adjusting Group, Inc.  The Company has accounted for the transaction as a combination of entities under common control and accordingly, recorded the merger at historical cost.  The consolidated, historical financial statements have been appropriately restated.

The operations of the Company are to facilitate insurance claims by insured parties by representation on their behalf with the insurance companies.





Basis of Accounting

The books and records of the Company are maintained on the accrual basis of accounting which recognizes revenues when earned, regardless of when received and expenses when incurred, regardless of when paid, which is in accordance with generally accepted accounting principles.



Principles of Consolidation



The consolidated financial statements include the accounts of AAA Public Adjusting Group, Inc. and its wholly owned subsidiary Florida Claims Consultants, LLC.  All inter-company transactions and balances have been eliminated in the consolidated financial statements.

The accompanying unaudited consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information. As such not all of the information and footnotes required by generally accepted accounting principles for complete financial statements have been presented.  In the opinion of management, all adjustments considered necessary for a fair presentation have been included and such adjustments are of a normal recurring nature.  The results of operations for nine months ended September 30, 2009 are not necessarily indicative of the results for the full fiscal year ended December 31 2009.

AAA PUBLIC ADJUSTING GROUP, INC

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

SEPTEMBER 30, 2009

NOTE 1 -	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES_- Continued

Net loss per share

Net income per share is computed by dividing the net income by the weighted average number of shares outstanding during the period.  Net income per share, diluted, is not presented as no potentially dilutive securities are outstanding.

Income Taxes

In accordance with SFAS 109, deferred income taxes and benefits are provided for the results of operations of the Company.  The tax effects of temporary differences and carry-forwards that give rise to significant portion of deferred tax assets and liabilities are recognized as appropriate.



Use of Estimates

The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.

Cash and equivalents

The Company considers all highly liquid instruments with an original maturity of three months or less to be cash equivalents.

AAA PUBLIC ADJUSTING GROUP, INC

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

SEPTEMBER 30, 2009

NOTE 1 -	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES_- Continued



Revenue Recognition



The company recognizes revenue when earned, regardless of when received and expenses when incurred, regardless of when paid, which is in accordance with generally accepted accounting principles.

Fair Value of Financial Instruments

The Company financial instruments include cash, accounts receivable, and accounts payable.  Due to the short-term nature of these instruments, the fair value of these instruments approximates their recorded value.

Advertising.

Advertising costs, which are included in other general and administrative expenses, are expensed as costs are incurred.Advertising expenses for the nine months ended September 30, 2009 and 2008 were $ 20,514 and $ 10,814 respectively.

NOTE 2 -	PROPERTY AND EQUIPMENT



Property and equipment are recorded at cost.  Expenditures for major additions and improvements are capitalized and minor replacements, maintenance, and repairs are charged to expense as incurred.  When property and equipment are retired or otherwise disposed of, the cost and accumulated depreciation are removed from the accounts and any resulting gain or loss is included in the results of operations for the respective periods.  Depreciation is computed over the estimated useful lives of the related asset (from 5 - 7 years) using the straight-line method for financial statement purposes.

The following is a summary at September 30, 2009 and December 31, 2008:



|                              | 2009     | 2008     
|----------------------------- | -------- | ---------
|                              |          |          
|Office furniture & equipment  | $ 26,270 | $ 26,270 
|Computer equipment            | 13,879   | 13,879   
|Leasehold improvements        | 2,469    | 2,469    
|Vehicles                      | 125,167  | 125,167  
|Total equipment               | 167,785  | 167,785  
|                              |          |          
|Less accumulated depreciation | 86,777   | 63,350   
|                              |          |          
|Net Property and Equipment    | $ 81,008 | $ 104,435



Depreciation expense for the nine months ended September 30, 2009 and 2008 was $ 23,427 and $ 22,139 respectively.





AAA PUBLIC ADJUSTING GROUP, INC

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

SEPTEMBER 30, 2009



NOTE 3 -	NOTES PAYABLE



Notes payable consist of the following:





|                                                                                                                                                                                          | 2009    
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------
|Notes payable to financial institution payable in monthly installments of $ 517 including interest at 9.79% to maturity of February 1, 2012.  The note is collateralized by an automobile | $ 13,304
|                                                                                                                                                                                          |         
|Notes payable to financial institution payable in monthly installments of $ 740 including interest at 7.74% to maturity of May 13, 2014.  The note is collateralized by an automobile     | 34,195  
|                                                                                                                                                                                          |         
|Notes payable to financial institution payable in monthly installments of $ 759 including interest at 6.1% to maturity of May 1, 2013.  The note is collateralized by an automobile       | 29,851  
|                                                                                                                                                                                          |         
|Total Notes Payable                                                                                                                                                                       | $ 77,350



AAA PUBLIC ADJUSTING GROUP, INC

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

SEPTEMBER 30, 2009



NOTE 3 -	NOTES PAYABLE- Continued

The future scheduled payments of notes payable are:



|            |         
|----------- | --------
|2009        | $ 4,636 
|2010        | 19,452  
|2011        | 20,996  
|2012 and on | 32,266  
|            | $ 77,350



NOTE 4 -	LEASE COMMITMENTS

The Company leases its office facilities under a lease from July 1, 2008 through July 31, 2010 for the Hollywood, Florida facility. Future rent payments are approximately $ 8,650 in 2009, $ 13,500 in 2010.

The company also had leased for $1,000 a month, (reduced from $2,000) an apartment from an officer and a major stockholder of the company under a new lease commencing January 1, 2009 through December 31, 2010. This lease was cancelled on July 1, 2009 with no penalty nor future rents due.

Total rent expense for the nine months ended September 30, 2009 and 2008 was   $ 26,222 and $ 31,120, respectively.







NOTE 5 -	CONCENTRATION OF RISK

The Company has from time to time, funds in excess of the $ 250,000 Federal Deposit Insurance Corporations (FDIC) insured limits. The company has its funds in major financial institutions and does not believe there is a risk.  There is no concentration of risk regarding accounts receivable, as any single receivable, net of related offsetting payables, is not material





AAA PUBLIC ADJUSTING GROUP, INC

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

SEPTEMBER 30, 2009



NOTE 6 -	ACCOUNTS RECEIVABLE



Accounts receivable reflects funds due the company for its services. Net balances, reflecting offset for payables to insured at September 30, 2009 and December 31, 2008 were:





|                          | June 30,
2009 | December 31,2008
|------------------------- | ------------- | ----------------
|                          |               |                 
|Total funds receivable    | $ 84,393      | $ 168,537       
|Payable to insured        | 22,516        | 81,617          
|Accounts receivable - net | $ 61,877      | $ 86,920        





NOTE 7 -	INCOME TAXES



Prior to the merger in October, 2007, the Company was taxed as a limited liability company.  As such, income taxes and loss benefits were recognized individually by the limited liability members.



For financial statement purposes for the year ending December 31, 2008, the reported provision for income taxes differs from the amount computed by applying the statutory U.S. Federal income tax rate of 34% to the loss before income taxes as follows:





|Federal income taxes at statutory rate    | 34 %
|----------------------------------------- | ----
|State tax rate, net of federal income tax | 4   
|Valuation allowance                       | (38)
|Effective income tax rate                 | 0%  



Due to net operating losses and the uncertainty of realization, no tax benefit has been recognized for operating losses.  The Company ability to utilize its net operating loss carry forward is uncertain and thus a valuation reserve has been provided.



As of December 31, 2008, the company had approximately $123,000 of tax loss carry-forwards, that expire by 2023.



AAA PUBLIC ADJUSTING GROUP, INC

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

SEPTEMBER 30, 2009



NOTE 8 -	CAPITAL TRANSACTIONS



Pursuant to 504 of Regulation D of the Securities Act, the company sold 10,849 shares of restricted common stock for $ 59,995 in the last quarter of  2007 and  5,183 shares of restricted common stock in January 2008 for $ 28,662.



The Company had submitted an S-1 registration statement with the Securities and Exchange Commission to register for sale 16,032 shares of common stock to be sold by existing shareholders. This registration statement was declared effective on June 5, 2009.



NOTE 9 -	RELATED PARTY ACTIVITY

Consulting Fees

For the nine months ending September 30, 2009 and 2008, officers of the company received consulting fees of $-0- and $ 18,975, respectively.

Notes Payable

A $25,000 unsecured promissory note, bearing interest at 12% and due on or before June 1, 2009, was contributed to capital during the quarter ending March 31, 2009.



NOTE  10 -	NEW ACCOUNTING PRONOUNCEMENTS



In December 2007, the Financial Accounting Standards Board ("FASB") issued FASB Statements No. 141 (revised 2007), "Business Combinations" ("FAS 141(R)") and No. 160, "Non-controlling Interests in Consolidated Financial Statements" ("FAS 160").  These standards aim to improve, simplify, and converge internationally the accounting for business combinations and the reporting of non-

controlling interests in consolidated financial statements.  The provision of FAS 141 ( R) and FAS 160 are effective for the fiscal year beginning after December 15, 2008.  The Company is currently evaluating the provisions for FAS 141 ( R) and FAS 160.



In March 2008, the FASB issued SFAS No. 161, Disclosures about Derivative Instruments and Hedging Activities ("SFAS 161"), requiring disclosures about derivative instruments, and related hedged items. The Company does not believe that application of this FASB would have a material impact on the consolidated financial statements.



In October 2008, the FASB issued FSP FAS 157-3, "Determining the Fair Value of a Financial Asset When the Market for That Asset Is Not Active" ("FSP FAS 157-3").  This was to clarify the application of Statement of Financial Accounting Standards No. 157, "Fair Value Measurements" ("SFAS 157"), for a market that is not active.   This clarification did not have a material effect on our financial statements



Item 2.  Management Discussion and Analysis of Financial Condition and Results of Operations.

Business Overview

Our companyis a consumer advocate, licensed by the Florida Department of Insurance as "public insurance adjusters" to protect consumer rights. A public insurance adjuster is an authority on loss adjustments that property owners can retain to assist in preparing, filing, and adjusting their insurance claims. Ones home or business is often the client largest investment, and FCC has earned millions of dollars for its clients

We are owned and operated by claims professionals; including our independent contractors who some are also shareholders, collectively we offer the industry more than 100 years combined experience handling all types of insurance claims. FCC is committed to representing the client interest in evaluating and presenting a claim to the insurance company responsible for payment.

Our business is dedicated to representing clients interests by maximizing and expediting their financial recovery and to make sure policy provisions are fully adhered to. Insurance companies have the benefit of their claims representatives estimating property damage, the property owner needs an advocate to ensure proper payment is made.

We believe the current economic environment will not materially or adversely affect our business. Our current cash position along with cash flow from continuing operations will be adequate to sustain operations into the foreseeable future.

Results of Operations Three Months Ended September 30, 2009

Revenue

For the three months ended September 30, 2009, revenue was $298,378 compared with $480,465 for the three months ended September 30, 2008. This decrease of $182,087 or approximately 37% is due to the diminishing number of hurricane related claims.

Commission to Adjusters

Commission expenses for adjusters for the three months ended September 30, 2009, was $187,473 or approximately 63% of revenue compared with $251,171 or 52% of revenue, for three months ended September 30, 2008.

Consulting Services

Consulting expenses for the three months ended September 30, 2009 was $13,780 compared to $24,787 for the three months ended September 30, 2008.

Payroll

Payroll expense for the three months ended September 30, 2009 was $43,803 compared to $42,082 for the three months ended September 30, 2008.

Other General and Administration Expenses

For the three months ended September 30, 2009, other general and administration expenses were $63,871 compared to $134,749 for the three months ended September 30, 2008. This decrease of $70,878 or approximately 53% was mainly attributed to various cost reductions.

Net Income

The net income for the three months ended September 30, 2009 was $(11,826) compared with $17,931 for the three months ended September 30, 2008.



Liquidity and Capital Resources

At September 30, 2009, the company had $25,912 in available cash, an increase of $12,045 from December 31, 2008. Net cash provided by operating activities was $25,435. Net cash used in financing activities were $13,390 due to repayment of loans.

We anticipate that our existing cash and projected cash flows from continuing profitable operations will be sufficient to support our operations for at least the next twelve months.



Results of Operations Nine Months Ended September 30, 2009

Revenue

For the nine months ended September 30, 2009, revenue was $875,557 compared with $1,405,893 for the nine months ended September 30, 2008. This decrease of $530,336 or approximately 38% is due to the diminishing number of hurricane related claims.



Commission to Adjusters

Commission expenses for adjusters for the nine months ended September 30, 2009, was $519,200 or approximately 59% of revenue compared with $769,083 or 55% of revenue, for nine months ended September 30, 2008.

Consulting Services

Consulting expenses for the nine months ended September 30, 2009 was $52,770 compared to $52,248 for the nine months ended September 30, 2008.

Payroll

Payroll expense for the nine months ended September 30, 2009 was $111,031 compared to $171,166 for the nine months ended September 30, 2008. This decrease of $60,135 or approximately 35% is mainly attributed to the decision of the CEO and CFO to cut their respective salaries as the company realigns itself to the changing economic conditions and the costs of becoming a publicly traded company.

Other General and Administration Expenses

For the nine months ended September 30, 2009, other general and administration expenses were $196,427 compared to $336,861 for the nine months ended September 30, 2008. This decrease of $140,434 or approximately 42% was mainly attributed to various cost reductions.

Net Income

The net income for the nine months ended September 30, 2009 was $(9,154) compared with $30,159 for the nine months ended September 30, 2008.

Liquidity and Capital Resources

At September 30, 2009, the company had $25,912 in available cash, an increase of $12,045 from December 31, 2008. Net cash provided by operating activities was $25,435. Net cash used in financing activities were $13,390 due to repayment of loans.

We anticipate that our existing cash and projected cash flows from continuing profitable operations will be sufficient to support our operations for at least the next twelve months.

Item 3.  Quantitative and Qualitative Disclosures about Market Risk

Not Applicable

Item 4.  Controls and Procedures.

Our management, including the Chief Executive Officer and Chief Financial Officer, have conducted an evaluation of the effectiveness of the design and operation of our disclosure controls and procedures pursuant to Rule 13a-15 under the Securities Exchange Act of 1934, as amended (the "1934 Act"), as of the end of the period covered by this Quarterly Report on Form 10-Q. Based on that evaluation, our Chief Executive Officer and Chief Financial Officer

Concluded; that our disclosure controls and procedures are effective in ensuring that information required to be disclosed by us in the reports we file or submit under the 1934 Act is recorded, processed, summarized and reported within the time periods specified in the SEC's rules and forms.

There have been no changes in internal control over financial reporting that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting during the period covered by this report.

Part II

Item 1. Legal Proceedings

None

Item 1.a.

Not Applicable

Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds

None

Item 3.  Defaults upon Senior Securities

None

Item 4.  Submission of Matters to a Vote of Security Holders

None



























Item 6. Exhibits

|31.1 |  | Certification by Frederick Antonelli, Chief Executive Officer, furnished pursuant to section 302 of the Sarbanes-Oxley Act                          
|---- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------
|31.2 |  | Certification by Kevin Monahan, Chief Financial Officer, and Principal Financial Officer furnished pursuant to section 302 of the Sarbanes-Oxley Act

|32.1 |  | Certification by Frederick Antonelli, Chief Executive Officer, furnished pursuant to section 906 of the Sarbanes-Oxley Act                          
|---- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------
|32.2 |  | Certification by Kevin Monahan, Chief Financial Officer, and Principal Financial Officer furnished pursuant to section 906 of the Sarbanes-Oxley Act



















SIGNATURES

In accordance with the requirements of the Securities Exchange Act of 1934, the registrant caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

|Date:  November 13, 2009 | AAA Public Adjusting Group, Inc.      
|------------------------ | --------------------------------------
|                         |                                       
|                         | By:                                   
|                         | Frederick Antonelli, President and CEO



|Date:  November 13, 2009 | AAA Public Adjusting Group, Inc.                
|------------------------ | ------------------------------------------------
|                         |                                                 
|                         | By:                                             
|                         | Kevin Monahan, CFO, Principal Accounting Officer