Last Sunday I pulled the plug on this blog with the following message:
That was Stupid!
This blog was the WRONG kind of exposure. I APOLOGIZE to my friends, family, associates and especially EVERYONE WHO HELPED ME with my real estate transactions.
I DO NOT BLAME ANYBODY for ANYTHING and take full responsibility.
What started as an honest desire to share my experience turned into something dangerous - playing with fire. After talking to a business associate this morning I realized I went TOO far and shared TOO much. I turned something small into a big exaggerated mess. Others were telling me
this too, but I wasn’t getting it. Now I crossed the line. I misused my ambition.I have damaged my reputation and I have damaged many good relationships through this. I never meant to hurt anyone. So to stop any further damage I am shutting down and laying low.
Can you tell the emotion in my voice? I acted very impulsively and erased everything quick. I’m glad I at least had backups. It took me several days to restore everything.
You see, Sunday morning I published the previous article “Am I going to Jail For Mortgage Fraud?“. Not only did I publish it, but I also sent an email to all my contacts to update everybody on my blog. I wanted to encourage feedback and I was also asking for referrals to good real estate / bankruptcy attorneys. I did get some good feedback, thank you to everyone who replied.
Right after I sent the email out I got a call from an associate. He urged me to take the site down immediately because:
- People may not want to do business with you if you try to “expose” everything and everyone publicly.
- You will have a bad reputation - for talking too much.
- If there is an investigation of any kind everybody involved might get be hurt - just being in the negative spotlight is bad.
- Somebody will go after you - being public and being controversial is inviting trouble. You may step on someone’s toes with your “honesty”.
- You spend too much time blogging. What about selling your properties, rebuilding your business or looking for a job?
Very valid points…
Thanks to the associate who made that phone call for opening my eyes to the range of negative possibilities.
I do NOT want to hurt people around me with my risks. I definitely DO NOT want to have a bad reputation among the investors in Sacramento.
So that’s why I pulled the plug.
Over the last couple of days I did some thinking. I read the emails, the comments and listened to advise. I considered every one’s point of view. I weighed the downside and the upside. I even talked to an attorney or two…
[drum roll, please]
Today I decided to get back to blogging.. but to do it carefully:
- I removed all the names of lenders, agents, etc, from all the posts. I am not looking to BLAME nobody! I take full responsibility for whatever happens
- I decided to limit how specific I get about each transaction and individual techniques used. I am not a real estate guru. There are many courses on the internet about how to buy NO MONEY DOWN.
- Common sense things like not sharing my personal details — too much.
- Limit my time blogging and concentrate more on selling my houses, re-grouping, making an income and repaying my debts (and supporting my wife who is a full-time student working on her Accounting degree).
- If I get sued, so be it. I’m already over-exposed online. I might as well stay online and have a chance to explain myself. If I did anything wrong then I deserve the consequences. WHY HIDE??
Also if main-stream media comes knocking on my door I BETTER stay online just in-case I have to correct any kind of a bad spin, inaccuracies, provide additional information, etc… I can’t say if I actually have any power to completely change a bad spin in the media. I will have SOME influence though.
I have a good story to share - Dealing with Foreclosure, Bankruptcy, and what NOT to Do in Real Estate.
My primary goals are:
1) I want to Sell My Properties Fast to Avoid Foreclosure and Bankruptcy
2) Share what NOT to in Real Estate as a Home Buyer or Investor
3) Help Other People Who are Facing Foreclosure
4) Discuss Shady Loans and Real Estate Practices I don’t have enough credibility or expertise for this. I am only going to investigate into my own practices.
I hope people can benefit from this information.
36 Comments
September 27th, 2006 at 8:33 pm
While everyone was stunned by the blunt detail in this blog, I think you’ve reached the correct conclusion about the aftermath. Google has it all–so there’s no harm in keeping the blog going.
It may well have a positive impact by keeping others from similar mistakes in the future.
September 27th, 2006 at 10:06 pm
Confessions of an Ex-Mortgage Lender
By Douglas MacMillan
BusinessWeek Online
Former loan officer Ted Janusz spills the secrets on this calculated practice of ripping borrowers off
The Durham (N.C.)-based nonprofit Center for Responsible Lending estimated in July, 2001, that predatory mortgage lending is currently costing Americans more than $9.1 billion each year.
Lenders will argue that each one of these dollars represents a legitimate fee stipulated by a legitimate contract, that they are only viewed as predatory by borrowers who overlooked the fine print in their mortgage.
After working as a loan officer for little more than a year, Ted Janusz said he became fed up with the predatory tactics he and his fellow lenders employed to receive thousands of dollars in kickbacks.
“If somebody came in wearing cowboy boots and ripped-up jeans, those are the people you took to the cleaners on fees. That was the unwritten rule. We were looking for people we’d see as having less than perfect credit,” Janusz says.
Not long after leaving his lending post, Janusz exposed the industry’s secrets to the public in his book Kickback: Confessions of a Mortgage Salesman (Insight, 2005). In this slide show, he teams up with BusinessWeek.com to help the average borrower understand how to avoid falling into the traps that loan officers are good at setting.
http://biz.yahoo.com/special/p.....icle2.html
Beware the origination fee
==================
While they barrage you with the financial terms of your mortgage, a loan officer will hope you don’t notice the origination fee, which is the main negotiating point on the Good Faith Estimate.
An aggressive lender will try to procure an origination fee of up to 5% — which means on a $200,000 loan, they could make a $10,000 commission. The fee is nearly always talked down by an astute borrower, and sometimes dropped altogether.
Trusting the first loan officer you interview
============================
Rather than corner yourself with no comparisons, do the due diligence. Sit down with one loan officer to get your questions answered, then approach three to four other lenders by phone or e-mail with your credit score and the amount you want to borrow. Then make the call. “Some of them probably won’t even [respond] to you, because they only want to deal with Mr. or Mrs. Low Credit Rating,” says ex-loan officer Janusz.
Using an interest-only adjustable-rate loan to qualify for a more expensive house
===================================
A pitfall where the borrower is probably more to blame than the lender is an ARM loan that outpaces affordability somewhere down the road. Be aware of what you are getting yourself into for the long haul.
Thinking interest rates are the main thing
===========================
“You hear companies offer fabulous rates, but what are you paying in closing costs to get them?” Janusz says. “It would be like comparison shopping for cars and only looking at the headlights.”
Not comparing final fees listed on the closing documents
====================================
During closings borrowers tend to get tired while they sign dozens of papers, so it’s easy for the lender to sneak in fees running as high as $1,000 combined. The practice of lenders “packing the loan” will continue as long as borrowers don’t attend to the fine print of the arrangement.
Not knowing if the mortgage has a prepayment penalty
====================================
In the Truth in Lending statement, there will be a checkbox letting you know that if you do not complete the terms of the loan, you will be required to pay a prepayment penalty. If the penalty is in place, it will punish the borrower who wants to refinance.
Thinking that renting means throwing money away
=================================
Buying a starter home in particular can be a risky investment, once you factor in realtor fees and closing costs. “If you made the wrong decision,” Janusz points out, “you just cost yourself [around] $10,000.” He advises first-time buyers to lay low in a rental until they can afford the premiums of a home they can live in comfortably for 5 to 10 years.
Not considering back-end yield spread
=========================
The Service Release Premium, the device by which lenders are guaranteed a juicy fee, often doesn’t even need to be disclosed — a practice Janusz and many of those who know about it believe to be a breach of ethics.
Paying for credit or mortgage life insurance
=============================
“[Lenders] are obviously not insurance agents,” Janusz notes. “They’re the middleman looking to make a profit, so they mark it up. You can do far better if you go to the source: an actual insurance agency.”
Paying extra to set up a biweekly payment plan
===============================
Making extra periodic payments directly toward your principal can help you get out of a 30-year mortgage in as little as 23 years, but it’s something borrowers are completely capable of doing for themselves. Lenders will typically charge between $500 and $1,000 for this redundant service.
September 27th, 2006 at 11:04 pm
Casey,
you are the other side of the equation. As a renter priced out of the market by insane property appreciation, I have to say I have been hoping for a hard fall and the sooner the better.
A real estate crash, in fact.
Of course, I knew that meant some well meaning and otherwise over-extended people would have to pay the financial price, but in a way, that’s what I have been doing for the lat 5 years now anyway due to this insanity.
I appreciate your honesty and the personalization of the situation from the flippers side. There are probably a few dot com paper millionaires who can relate. There are probably a few people making their last couple payments via credit card reading your blog who can see the writing on the wall.
Good luck selling, I’m still hoping for a crash.
September 27th, 2006 at 11:25 pm
Bravo and welcome back. Your story is not singular.
There are plenty of folks in similar situations… NOBODY expected the market to slow like this.
You did everything right (with the exception of the misstated income and residence, that may have been too far IMHO) and it’s really just bad luck that you’re in the situation you’re in.
Given your forthrightness people really should forgive your transgressions. They can’t come after us all!
September 28th, 2006 at 6:50 am
There is a time to listen to your lawyers and a time to take risks, despite their warnings. You’ll learn the difference soon enough, I’m afraid. It really is just a simple upside/downside analysis. What exactly is the upside of ignoring the solid advice of your attorneys at this time? Hubris?
Just bear in mind, you have committed multiple counts of fraud, to which you have openly admitted. You have undoubtedly committed further fraud in your stated income loans and other “get quick” tactics. That’s just the criminal aspect. You also stand to be the target of various civil claims from numerous parties you’ve injured financially.
When you’re in a hole — one which you dug yourself — that’s a pretty good indicator it may be time to listen to the lawyers.
If you get sued, so be it? As unsavory as I find this entire episode and its public operatic narrative, I truly hope you don’t end up learning how much you’ll regret those words. Clearly, you have never been sued in this type of an action. It is not pleasant, to say the least; and it lasts a very very very long time.
Control spin on the mainstream media? If you are really that delusional and/or ignorant, then perhaps you do deserve your comeuppance. Unless you have millions of dollars (cash) and can secure professional PR agents, and get lucky, you are living in a self fashioned fantasy world. Even HP can’t control the mainstream media. What makes you think you can do so? You can’t even control your own blog spin.
I have some advice for you. I am not a lawyer, nor a real estate professional. I am someone who has succeeded in building legitimate businesses, necessarily requiring years of hard work and numerous personal sacrifices. I have also been sued and prevailed; been sued and settled; and sued others.
My advice: shut down your blog, print everything out, give it to your lawyer, delete all the files off of your host. Disappear. A lot of this will linger in caches of Google and others, but after a short while no one will care.
If you do all of that now, there’s a chance you’ll get lucky and no one will sue you or prosecute you. You can then get on with putting your life in order.
However, if you keep drawing attention to yourself like this, I promise you’ll end up wishing you hadn’t.
September 28th, 2006 at 7:07 am
You are doing the great job of preventing some other people from your mistakes (if anyone ever learn from other’s mistakes). At least you should feel much better about yourself.
Thanks and good luck!
September 28th, 2006 at 7:19 am
I commend you for posting your situation here. I think we can all learn from your mistakes. Keep your head high… don’t let those mean “bubble heads” keep you down!
September 28th, 2006 at 10:07 am
Casey,
Let me tell you some positive things and my advice.
1. You have balls.
2. now onwards brutal Honesty only can save and prosper you in long term.
3. Write a book.(even if from jail). I bet it will be in top ten. You can wipe off all your loan and buy
10 more properties from this income. I bet the book will be followed by a movie too.
4. You have not created this system. You just exploited it. and that is what we all do in this greedy capitalistic society. some do less , some do more.
5. Whoever are brutally critising you are because they are jealous of some others who made fortune while flipping. Critics don’t have balls to do it themselves.
6. Consult a lawyer. I bet you can get a top lawyer may be for free. There are few there who works for publicity. (seen movie Primal Fear ?)
7. Again i think honesty only can save you here onwards. The people who are telling you not to come clean are very few, who thinks that they might get hurt. But there are billion more ppl who wnat you to come clean. If you come clean…you will still be hero. Still can make money from publicity.
8. If one has to fall…fall from 100 feet. not from 2 feet. That way everybody knows, you climbed till 100th feet once.
9. you are just 24. you have a long life ahead. 10 years from now you will laugh at this.
Good luck.
September 28th, 2006 at 10:15 am
Don’t listen to Randy. He means well, but at the point you are on the cusp of being picked up by the MSN. When that happens you’ll be presented will all kinds of new opportunities that will help you get out of this mess.
Ask youself this, would you rather be standing in front of a judge as “Cast the nobody” or “Casy the Hero, Regular Guest on Larry King, Live, Who Blew the lid off the corrupt Mortgage Loans Business and saved millions of people from being taken in!”
September 28th, 2006 at 11:08 am
You are going to be one lousy client to have to defend, whether it’s in civil or criminal court.
We’d have to pass without a 100K retainer minimum.
September 28th, 2006 at 11:08 am
keep posting kid. you have guts, I’ll give you that, and after this unpleasantness, you’ll have learned some great life and business lessons, and you have decades left to do your thing.
now if some corrupt realtors, mortgage brokers, builders, bankers and appraisers would start blogs, we’d know the full story of the late great housing ponzi scheme. and we know there are tens of thousands of them out there.
keith
http://housingpanic.blogspot.com
September 28th, 2006 at 11:12 am
Casey,
I suggest you one more thing.
Consult a lawyer to start someting like a fund to help you out of this. ( at least something is better than nothing.)
There are people who are learning from your mistakes (we all have to….life is too short to learn everything from our own mistakes). And there is so much info on this blog.
Even if people chip in 1$ each for that education, it is something. i think people some people will help. Just for the first hand information that they get from “somebody who have done it!”.
I think you are the tip of iceberg that will follow soon in coming months and there will be other such blogs.
But only first 1 or 2 can get the publicity that such situation brings.
September 28th, 2006 at 12:44 pm
“Bravo and welcome back. Your story is not singular.
There are plenty of folks in similar situations… NOBODY expected the market to slow like this.
You did everything right (with the exception of the misstated income and residence, that may have been too far IMHO) and it’s really just bad luck that you’re in the situation you’re in.
Given your forthrightness people really should forgive your transgressions. They can’t come after us all!”
A lot of people saw this coming.
September 28th, 2006 at 3:10 pm
you took the blog down impetuosly,
you bought houses impetuosly,
You filed legal documents impetously.
You need to learn deliberation, patience,
comprehension.
September 28th, 2006 at 3:15 pm
dcguy - True, being impulsive is a weakness of my personality. However, it can also be a strength:
Google ENTP or ESTP for more info.
September 28th, 2006 at 3:15 pm
So you had one blog where you admitted to lying about income and applying for mortages as an owner-occupier. In your original blog, however, you never suggested that you realized those things were illegal. You admitted they were dishonest, but it seemed to come as a surprise to you that they might actually be felonious (hence your follow-up post about going to jail).
Now you’re posting that you did realize you were committing fraud. Good lord, man, I’ve posted twice before telling you to shut down the blog and just pray you don’t get made an example of. Now you’re doing the prosecutor’s work AGAIN!
You write: “I am known for taking risks and I am also known for sometimes taking dumb risks.” Let me explain something to you as respectfully as possible: you aren’t KNOWN period except as an imbecile who took on $2.2 million in debt. You’re already the poster child for mortgage fraud on at least a dozen real estate websites.
You’re like a drunk buffoon who thinks that he can talk his way out of anything. You can’t talk or blog your way out of this. If you’re trying to salvage some shred of self-esteem, let me tell from experience, the only way to do that is to keep quiet, make amends, and try to reinvent yourself later. You’re too busy trying to rehab your “image” when, let’s face it, you have no image except as the guy who ripped off a bunch of lenders for $2.2 mil using faked mortgage applications.
Honesty in and of itself does not reform or make amends. Just because you’re admitting that you made mistakes and committed fraud doesn’t automatically entitle you to forgiveness or respect, and does NOT give you any authority. Most people I know are faultlessly honest all the time. Honesty isn’t optional for most people. Hell, most people find it very easy to be honest, and why wouldn’t they.
Your friend is right. Shut up, take down this new blog, and go get some g****** jobs. When I was saving to buy a house 10 years ago, I was working as a full time executive for a Fortune 500 company. Long hours, from 8 AM to 8 PM minimum. Guess what: I delivered pizzas from 9 PM to 2 AM every night too. Got home, took off my suit, and put on my Pizza Hut shirt.
You shouldn’t waste another second of your time that isn’t being measured by a time clock and that isn’t resulting in a paycheck. If you don’t have two jobs, you’re a fraud. And if you had two jobs, you wouldn’t have time for this blog.
Your family deserves better. This blog isn’t gonna pay for groceries.
September 28th, 2006 at 5:42 pm
Casey, there is not one thing wrong or shameful about being impulsive. I have always trusted my own impulses; my “gut,” if you will. I have neither made nor lost a fortune, but I have led a pretty interesting life, and as I turn 60 next year, I’m looking forward to another 40 interesting years.
As John said, way up at the top of this thread, the worms are already out of the can; the site is probably archived by Google, and if prosecutors are after you, you will find out soon enough.
I’m not certain it’s identical in all states, but where I live there’s a one-year statute of limitations on the some real estate matters. So the sooner you’re out from under all those properties, the sooner that clock starts.
In addition to the other things people have praised about you, I think you deserve a lot of credit for not attempting to portray yourself as the victim of someone else’s unscrupulous doings.
Expect the best; prepare for the worst. And keep us up to date on things.
September 28th, 2006 at 6:40 pm
Casey,
Working in Real Estate myself, as a Transaction Coordinator, here is my comment:
Where are your brains? I’ve never heard of such a ridiculous story. Real Estate involves much more than just “taking a few seminars” and then go off and buy all these properties. Foreclosure properties are the most difficult to work with, FYI. Investors like you are avoided like hell by actual licensed Real Estate agents.
You should get off the internet altogether. You are only making it worse. And what is this “I want to sell my properties AS FAST AS I CAN” scam you have recently posted on your blog?? So do many honest Sellers that are facing foreclosure on their property which they are actually OCCUPYING with their family, and which they most likely bought in good faith, without ripping anybody off.
I can only add that you should be ashamed of yourself, and I actually hope you will NOT sell your properties soon enough. If you were a licensed Agent, I’d report you to the board of Realtors in a heartbeat.
L.
September 28th, 2006 at 9:25 pm
Hey TXCHICK57, how do I get a hold of ben Jones at
http://www.thehousingbubbleblog.com/
?
I can not post on his site and does not return e-mail. toodles
September 28th, 2006 at 9:36 pm
Hello Casey,
I’m going to go on a little limb here. I noticed in the first few posts people said that they would be praying for you. That could mean a number of things. But I wonder if it means you are a Christian. If not, this post may not mean much to you.
Do you believe Christian principles? Do you follow the ways of Christ? If so, I must admonish you strongly as a brother.
The biggest reason I say that is that you are unrepentant. YES, you are being honest. YES, you are coming clean. But you are still unwilling to fully admit that you screwed up (sinned) and are unwilling to accept any punishment for it.
How did you sin?
1) You coveted a quick buck, a get-rich-quick scheme over the old biblical principles of doing good work and getting rewarded for it
2) You were not a shrewd investor, but instead took a staggering amount of risk in order to speculate on something that is routinely known to go down in value. You bought at the top of a mania. You took this risk with the financial well-being of your family at stake.
3) You lied about your income and occupancy, and justified it because you think everyone is doing it, and because people encouraged you to do it
4) You borrowed money from real people without having any way to pay it back. Yes, real people. Your loans were sold to investors, pension funds, who knows what else. If you are foreclosed on, real people take the loss and real people suffer because you lied about your ability to repay the loan. These real people are your neighbors, your friends, me, my parents, etc. Not a faceless bank or “the man.” Real people will suffer because of your lies.
Yet I see you taking no real responsibility for these things, or working to make them right and be honest with the people you defrauded. Instead, you believe that if you could just unload the properties, everything would be cool. Possibly that’s true legally, but never morally.
You are still trying to work the system when you should be asking forgiveness and accepting responsibility.
Once again, I presume a lot. But I pray that this will strike a chord with you.
September 28th, 2006 at 10:11 pm
Casey,
You saw an opportunity to make all of your dreams come true and you listened to the wrong people to get it. I know a lot of people that don’t have your courage and spend their entire lives on the short end of the stick. Any action you take is better than doing nothing; that means within legal and moral limits. Flipping houses has become not only an enjoyable experience, but something that if done right benefits everyone. I closed on a house today that was a piece of crap three months ago. At the closing the buyer couldn’t stop talking about how beautiful it was and how she planned on living there for the next thirty years. The best part is that I made money, my agent made money, the guys working for me made money and the new owner has a beautiful house that she would have paid more for and didn’t have too. My point is that in every business you can let the scum bags define who you are by manipulating you into doing the wrong thing or you can define yourself and always feel good about where you are and what your doing.
Deal with your legal issues, if you can’t sell your properties talk to your mortgage companies and find out if you can do anything to minimize the situation. If you must go through foreclosure or bankruptcy do it as quickly as possible to move past this mess. The longer it takes the longer you have it hanging over your head pulling you down. Find a good mentor in the real estate business and start over. This time as a willing pupil to learn the process. Once your credit clears, start building your empire, do it slowly and be grateful that your young enough to still make your millions by the time your fifty.
September 29th, 2006 at 5:28 pm
There are plenty of folks in similar situations… NOBODY expected the market to slow like this.
Please. This has been expected for a long, long time. MISC is a total dumbass. America is now based on a Bull*** economy and a bunch of tards are surprised that reality is finally setting in. I’ll bet you have a college degree too. Dumb***.
September 30th, 2006 at 1:06 am
there are evil people in every profession!
… “evil” being defined as someone doing something with the intent to harm someone else.
… auto sales and maintaince, law, medicine, real estate, teachers, food preparation… the list is endless because evil people don’t gravitate to only one profession… they go to where they are comfortable and can do their deeds with little or no detection, while committing as much harm as possible.
… casey you are a young adult and may have lacked sound judgement in trying to do these transactions, but even seasoned professionals and well-intentioned mature adults have been seduced by the cunning ways of evil.
… evil resides in darkness, and cannot abide the light. by bringing this to the light, you are freeing yourself, or possibly just narrowly avoiding, the bondage that evil brings with it.
… some of these people who are “advising” you– wish you harm, while others are truly trying to help you and wish for a successful resolution to your mess. follow the light.
… i don’t care what some of these city rats think about what i just said. the truth is the truth and evil hates it, no matter what! no ignorant personal attack they may say about my comments will change the truth, or harm me in any way.
… casey, keep going forward. give the resolution the best chance you can, and you will be a wiser and better man for the effort. nothing was ever fixed, resolved, or made better by ignoring it, or hiding from it.
… only good can come from efforts to resolve, so do your best to sell the rest, even if it means short sales. banks are in the loan business, not the selling of homes business… they do not want to foreclose, if possible. we closed on a house not long ago, that was scheduled for auction within hours. both the buyers and sellers “won” on that sale, and it was extremely gratifiying to walk away kowing that honest efforts, and honest actions ended in a positive blessing for everyone involved.
… never give up. be prepared to stay on top of everything and don’t give up on the possibility that a solution can be found, even in the final minutes of the final hour.
… it is always darkest before the dawn. if it seems like earth and heaven are combining against you, remember that it is a trick of the evil one… the father of all lies. it simply means that he wants you to give up, stop trying, and throw in the towel… because he only “wins” if you give up… so never give up!
… and finally remember that everything happens for a reason. find that reason, and you will be a wiser, and happier man. no delusions… the truth will set you free to move forward and be successful in your endeavor… now, and in the future. you’re in our prayers, so do good, ok?
October 5th, 2006 at 5:51 pm
WRONG kind of exposure. I APOLOGIZE to my friends, family, associates and especially EVERYONE WHO HELPED ME with my real estate transactions. I DO NOT BLAME ANYBODY for ANYTHING and take full responsibility. What started as an honest desire […] Continue Reading September 27th, 2006
October 6th, 2006 at 10:22 pm
Casey, a couple of comments. You say
“The problem is I got overzealous and spread myself thin buying 8 houses in 8 months in 4 states.
My intent was good but my TACTICS were not the best.”
In reality, you got greedy. If you can’t face up to that simple fact, you will never learn and you will keep making the same mistake.
On another somewhat related note, I happen to own a domain (and have owned and used it since 1995) that is similar to one owned by a large investment bank with a mortage company division. It appears the dimwits that work for this bank don’t even know their own domain for email purposes and almost every day I receive mortgage documents from and about people all over the country. If I were an unethical person, I could steal the identity of any of these people.
The bank in question knows all about this issue and yet they not only refuse to do anything about it, they have told me they will encourage the mis-directed email in an attempt to force me to give the domain to them. This is the kind of scum in the banking industry.
What really gets me is that I have contacted many different media outlets about this and no one will do any sort of write up about it. I get the feeling the bank in question is applying some sort of pressure on the media outlets I have contacted.
It seems ironic that Casey here gets publicity for admitting he has done wrong things, and yet I, who refuse to divulge the identities of these people whos confidential information comes into my possesion can’t even get a local consumer reporter to return my calls! This dumb bank has even run help wanted display ads in the Dallas Morning News giving the wrong domain to send your resumes to!
If anyone wants more info on this story/issue, feel free to contact me by emailing postmaster at the domain of smtphost.net
October 10th, 2006 at 8:19 pm
Interesting. I’ll be check back more often!
October 16th, 2006 at 3:06 pm
E-mail me or call me. No-body deserves ruin lets try to alease save your credit.
The realty and Loan “Doctor” for over 15 years.
October 21st, 2006 at 7:16 am
Is it just me, or has Larry King had like 5 heart attacks and 5 divorces. I guess that’d be a broken heart for each.
October 22nd, 2006 at 10:29 pm
What game is more fun, Final Fantasy or Warcraft? I’ve seen WOW, but never tried FF.
October 23rd, 2006 at 1:22 pm
Thats good to know. Whats fresh to you might not be whats fresh to someone else.