Predatory lending: if you thought your life was bad...

2004-12-18 22:49

edit, 3/4/05: I am updating this piece to make sure everything is correct. more information once I’m done.

edit, 3/8/05: The situation is that, predictably enough, I’ve received some cartooney threats using the word “defamation”. Thus far, I have not been informed of any specific factual errors in the piece.

edit, 3/30/05: We have a list of factual errors.


  • Amount of sale is $317,500, not $319,000.

  • Alpine Realty had a “listing agreement” offering them a 5.5% commission if anyone they knew bought the house.


The rest of the material is apparently accurate.

Around this time of year, a lot of people feel their lives are a little empty, a little dreary. But let me tell you, buddy, your problems ain’t nothing. It’s Christmas season, so a lot of you are maybe thinking of George Bailey, the small-time banker who makes the world better just by being in it, whose bank nearly goes bust, who is saved by an angel. He’s not the only Bailey who has a Christmas-time story for you, involving finances, and people going bust.

This is a story of “predatory lending”. You may not know what predatory lending is; that’s okay, I’ll explain. Our story begins with a man who bought a house, and had a $150,000 mortgage on it. Some time later, he refinanced to $180,000. Payments were $1,700 a month; remember that figure, it’ll come up later. A while back, he was in a car accident, and spent a few weeks in a coma; somewhere in this, he suffered brain damage, and he is now dependent on Social Security disability money to feed and shelter him. Unfortunately, six-digit medical bills and a long period of inactivity put his house payments solidly past-due. That puts the mortgage into foreclosure; it would cost $192,000 to pay that off. He called the realtor through whom he got the house, James Krystosek. Mr. Krystosek said the house could be saved. Let’s see how he went about this. You can read along at home; this case was in Wright County, Minnesota, file number C8-04-2705. (There are a couple of typos, and one factual error, in some of the pleadings. Some of the pleadings, by contrast, contain outright lies.)

First, he set up a meeting with another man, Paul Reese. At this meeting, the victim was induced to sign some “paperwork”. One of the pieces of paperwork was an entirely fictitious mortgage for $73,500. No money was disbursed, but now there’s a paper trail claiming he owes $73,500. Fictitious loans are a particularly great example of predatory lending.

Next, they do the actual transaction. The structure of the transaction is that they buy his house from him, for $317,500, and pay off his existing mortgage, and give him the money that’s left. Then, he buys it back from them for some price. Only, they’ve got a fake mortgage to pay off; also, they some how end up with $28,000 of closing costs, even though Alpine Realty (the original broker) didn’t put up a for-sale sign to publicize the availability of the house. But they still took $17,000 in commissions. All of this is done by Paul Reese, acting with Power of Attorney for a man called Charles D. Bailey. Want to know more about him? You can search the Wright County records for him.

So, to make a long story short, a man with $125,000 of equity in his house ended up with $13,000 of equity in his house, and, and this is important, his house payments went up to $2,500 a month. If there is such a thing as predatory lending, this is it.

That’s right. They stole over $100,000 of his money, and increased his payments about 50%.

You can guess what happens next; he can’t make the inflated payments any more than he could have made the original ones, Social Security is slow to start paying, and pretty soon, they’re trying to have him evicted, using the law firm of Gries and Lenhardt.

edit: it was mortgage satisfaction papers, not loan origination, that were sent. G&L represented, not just defended.

Luckily, for him, they made one mistake: They followed the law (I’m sure it was an accident) closely enough to send him the loan origination papers for the $73,500 fictitious mortgage, which was enough to get him started defending himself. He ends up in court, where they are defended (you guessed it) by the firm of Gries & Lenhardt. When the case is finally settled, the name on all the new paperwork is still Charles D. Bailey. Who’s he? We don’t know for sure, but he seems to be the one with the authority to issue a new contract for deed for the house.

The story ends sort of happily. The details of the settlement are confidential, but the victim of the story isn’t moving anywhere right away. The bad guys, well, they probably have some profit left, but the margin just got a lot narrower, and I’m sure they’ll be having some interesting conversations with various regulatory bodies, and possibly the Attorney General’s office.

But let’s stop for a bit. Just imagine, for a moment, what it must be like to have a life so fucking empty that stealing $100,000 from a guy with brain damage seems like a good idea. Imagine what it must be like to be so desperate for money that you’d take those risks. Try to wrap your head around this for a bit. Try to imagine what it must be like to kick a man when he’s down. Wonder, for a moment, what makes it all worth it. A larger house? A second car? A boat? A lakeshore cabin? Are any of these worth taking a man’s house from him, taking tens of thousands of dollars of his equity as a cash profit, and laughing as the brain-damaged guy gets put out on the street? This is the essence of predatory lending; find people who are desperate enough to make mistakes, and take advantage of ‘em. You end up with a bit of their money. The people running this scam paid about $192,000 to another bank, and ended up, at least briefly, owning a house which someone would have to pay them three hundred thousand dollars to pay off… And of course, if he falls short, they get any money he did pay, and they also get to keep the house!

Note that six other people in the same county got “deals” through these people. It’s hard to be sure, but it looks as though the other deals may have been good examples of predatory lending.

All they hear is some indistinct buzzing noises. Whatever has happened to these poor fucks, there is not much in the way of soul left in them. They are empty shells, running from one con to the next. For all we know, the real delay in settling the case was the need to close another similar deal to get the cash to pay off this one. There is very, very, little left in these people that you could recognize as human. How could there be? What person could possibly do such a thing?

As Christmas rolls around, and we sit around talking about those in need, I urge you to remember that there are needs no charity can fill. Whatever these people want, no amount of money will buy it for them. The horror is that they don’t know that yet, and they may never learn it. They may just flit around from one con to another, trying to stay ahead of the law, dreading the day when it all comes crashing down. There are people out there going hungry, but we know what to do to help them. At least we can help them.

So… Give some food to charity. Fund a local foodshelf. But give some thought to the question of what can be done for these poor benighted people, whose injuries are deeper than our doctors can heal, whose need for money cannot be met by all the money in the world. If all else fails, pray for them. What else can we do? Perhaps Clarence can come back and save another Bailey’s soul from despair.

(Permission is granted to reproduce this article in whole, or to reproduce excerpts if they are accompanied by a URL for the original article.)

Peter Seebach

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Comments

  1. I JUST WANTED TO SAY THAT I USED TO BE MARRIED TO PAUL REESE AND I AM SO ASHAMED! I SHOULDN'T EVEN ADMIT THAT BUT UNFORTUNATELY I WAS. FOR ALL THAT HE DID TO ME I HOPE THAT SOMEONE WILL PUT HIM AWAY FOR A LONG TIME! HE IS A SCAM ARTIST WITH A WAY OF ALWAYS GETTING AWAY WITH THINGS AND MY ONE WISH IN LIFE IS THAT HE GETS WHAT HE DESERVES! I AM DOING SEARCHES ON HIM BECAUSE THRU THIS I HAVE DISCOVERED THAT HE MAY HAVE FORGED MY NAME ON DOCUMENTS. THERE IS A HISTORY WITH HIM AND FRAUD WITH OTHER BANKS AND I WILL DO WHAT I CAN TO SEE JUSTICE SERVED ONCE AND FOR ALL!!! I AM SO SORRY FOR WHAT HAS HAPPENED!!
    SINCERELY,
    CARRIE ENGLE

    — CARRIE · 2005-03-17 22:00 · #

  2. The story above sounds like our story. Paul and his buddies ripped us out of over $30,000. After many months of work my story has a happy ending. I will be more than happy to share our story and help put an end to Pauls's slick dealings.

    — Some Person · 2005-08-05 07:13 · #


  3. I would love to read your story so I can compare it with mine.

    — john a. · 2005-09-15 15:48 · #

  4. The best weapon we all have is our mouth, to spread the word about Paul Reese. His slick dealings will eventually catch up with him. He certainly isn't fooling anyone around the Albertville- St. Michael area where the majority of us know what he is all about and what life he leads, a shallow, broke, self centered, lonely CON -MAN. He is the captain piloting a sinking ship and we can only hope he goes down with it.

    People Against Paul

    — PAP · 2005-09-20 16:24 · #

  5. How come I haven't heard of any of this news beyond this website?

    — Anonymous · 2005-10-31 12:52 · #

  6. Why would you expect to hear any of it beyond here? This is one guy's story, and he has no blog, and predatory lending is not very big news. It happens too much.

    seebs · 2005-10-31 15:35 · #

  7. Please contact me about Paul if the above has happened to you

    — PAP · 2005-11-14 08:33 · #

  8. Please conatct me if you have any information about Paul Reese. I will be filing a lawsuit against him and Alpine Realty in the very near future. I need all the help I can get to bring Paul and Alpine to justice.

    — Matt Long · 2006-04-24 14:05 · #

  9. My son is the one in the "story/report". Have you had any luck; hear Paul Reese "escaped" to Wisconsin and Charles Bailey to Brazil

    — johnson · 2006-12-09 17:02 · #

  10. We used Paul Reese & Alpine Realty when we purchased our home. He lied about what our payment would be and about the interest rate of our loan. He also told us one thing when we had the good faith estimate and when we came to closing or loan everything was different. He is disorganized and does not know what is going on most of the time. Paul is a con artist like listed above! He tells you what you want to hear and lies about things he does not know. Please tell everyone that you know not to use Paul for any type of home sale, mortgage, or lot purchase. His dishonest past will catch up with him and he will get what he deserves in the future.

    — Anonymous · 2007-01-26 14:32 · #

  11. We also used Paul Reese and Alpine Realty. Paul also lied, stole, and cheated us out of money, security, and pride. He told us what we wanted to hear even though he knew he was lying through his teeth. Whenever we caught him on something and confronted the office, AMAZINGLY, he was never around to talk to us. He was too busy ripping off other people as they were being lied to or playing gulf with money he stole from clients--he frequently visits Riverwood National and Vintage Gulf Courses. This guy is a crimminal and needs to go to jail. Any company that keeps him around after KNOWING what he has done, is just as evil and dishonest. I have told many people to stay away from this man and Alpine Homes. We had many stressful, sleepless nights wondering what we were going to do in our situation. I am happy we broke-free of this crimminal and never have to deal with Paul or Alpine Homes again!

    — annonymous · 2007-03-15 15:04 · #

  12. File a complaint with the Attorney Generals office, Minnesotal Board of Realators and the Minnesota Commerence Department, if enough
    people do that Paul can be stopped and put in jail where he belongs.

    — Mrs Olson · 2007-06-17 11:59 · #

  13. he now works at Minnesota real estate specialist inc. in Blaine,MN

    — be careful of Paul · 2007-07-02 17:58 · #

  14. he now works at Minnesota real estate specialist inc. in Blaine,MN

    — be careful of Paul · 2007-07-02 17:59 · #

  15. Are dealing w/AttyGen and Commerce Dept since last May, nothing has happened there and son keeps checking w/them. How can these guys keep getting realtor licenses with the claims against them and the cheating, etc.

    — temple,v.h. · 2007-09-15 12:08 · #

  16. This expose is important.

    — C Emery · 2007-09-20 02:06 · #

  17. I need to talk with all the people that have delt with Paul Reese and Jim K.- First Pryority Mortgage-- Alpine Homes. I am in the start with an attorney and we need all of the victims we can get to file and do a class or just get him put away and I also want Alpine Homes. My story is too long to explain, but if you email me we all can get started. I have 6 Children (1 that is sick with a rare disease) and a wife that is depending on me to fix or house situation.Please contact me and help us all get this monster off the streets . He promissed me a 3 step deal to have a house that I can afford. Instead I can't make my payments soon and the money that was put down is not in the picture.I figure over $30,000. is gone. Why when I bought the house for 284,000. do I now owe 332,000. And there was 26,000 that was put down...please contact me asap and we can work together on this.I HAVE AN ATTORNEY WANTING TO HELP IF WE CAN PUT OUR STORIES TOGETHER AND MAKE A BIG CASE , WE CAN GET PAUL AND OTHERS ALL PUT AWAY.....

    — jon colvin · 2007-10-11 16:46 · #

  18. Reading this makes me sick to my stomach, I thought my husband and I were all alone in this. We are in the same situation as all of you and don't know what to do. My husband and I have 6 kids together, he works two full-time jobs. I have a Home Daycare business and we still can't afford our house. And we were told by Paul Reese "that we can afford this house" and we have to trust him it's a "two-step process" and the payments will be where we need them to be. We were told 6 months and and we can refi. to make it affordable. Well 28 months later and here we are with an over-priced home and no where to turn! We also have a 3yr. old boy that has Shwachman Diamond Syndrome and we need to be there for him. And have the flexibility to miss work when he is in the hospital and not be affraid that we may lose our house. We shouldn't have to work 130hrs. (between the two of us weekly) just to make it! We also are taking legal action and want to just make this right. After reading all of this I know we can pull together and get what we deserve...Justice! I would like for anyone who wants to make this right to contact me.

    — Crystal · 2007-10-12 07:57 · #

  19. Reading this makes me sick to my stomach, I thought my husband and I were all alone in this. We are in the same situation as all of you and don't know what to do. My husband and I have 6 kids together, he works two full-time jobs. I have a Home Daycare business and we still can't afford our house. And we were told by Paul Reese "that we can afford this house" and we have to trust him it's a "two-step process" and the payments will be where we need them to be. We were told 6 months and and we can refi. to make it affordable. Well 28 months later and here we are with an over-priced home and no where to turn! We also have a 3yr. old boy that has Shwachman Diamond Syndrome and we need to be there for him. And have the flexibility to miss work when he is in the hospital and not be affraid that we may loose our house. We shouldn't have to work 130hrs. (between the two of us weekly) just to make it! We also are taking legal action and want to just make this right. After reading all of this I know we can pull together and get what we deserve...Justice! I would like for anyone who wants to make this right to contact me.

    — Crystal · 2007-10-12 08:01 · #

  20. I know the Star Tribune has been informed about this. I think it's a good idea if everyone posts there e-mail address so you can be contacted.

    — annonymous · 2007-10-14 08:41 · #

  21. I talked to someone last sunday and I have misplaced her number. Please call me back cause I need to see if you could talk to the tribune and the ACORN who is running with alot on criminal part and an attorney. Please call me back, it is important that you also talk to star tribune. It will help out alot. I have put my email on here but they will not post it. but here it is again. joncolvin@embarqmail.com I hope they post it this time since it is for a good reason. If it is posted , please email me back. all of you that have had problems with Paul Reese -First Priority Mortgage-Alpine Homes-Quality Title-ect.

    — jon colvin · 2007-10-17 18:17 · #

  22. The Jim and Paul show continues.....I heard they now own Stallion Development together. You can see their old building on Main Street in Saint Michael with a big FOR RENT sign on the window. They are probably working out of Alpine Homes or First Priority currently. How come no one has contacted Crow River News?

    — annonymous · 2007-10-19 15:55 · #

  23. WOW!! I find it so interesting how people seem to come out of the woodwork. I have worked with Paul and Jim several times on multiple houses and have had no bad experiences as well as a multitude of others! I also know some of the people who have tried to slam Paul and Jim over the years on this site, no offence, but because you over spend living in a property that is well affordable, doesn't make anyone you are speaking of a "monster". I would also like to know why I have heard of several people with positive experiences that have posted to this site and their posts mysteriously aren't here??

    — annonymous · 2007-10-23 09:00 · #

  24. "I would also like to know why I have heard of several people with positive experiences that have posted to this site and their posts mysteriously aren't here??"

    Two possible reasons come to mind:

    1. They posted comments with URLs, and as the comment approval message states, if you do that, the message is deleted unread.
    2. You're a liar, just like the people you're defending.

    I'm going with #2.

    The claim that there may exist people they haven't ripped off is hardly persuasive; I can just see you now, providing a list of at least a dozen people your client didn't murder as proof that he didn't kill the guy that thirty witnesses saw him shoot repeatedly in the head.

    Hope you're enjoying the Department of Commerce subpoenas. Needless to say, I'll happily provide them with any information they need to investigate this further, such as contact information for the people who have contacted me.

    You need better cartooneys.

    — seebs · 2007-10-23 16:38 · #

  25. I have known PAUL for years....

    You know HE is up to no good...

    THIS is nothing new...

    I would encourge all of you to band together, with legal representation and utilize all possible publicity to help...

    He is not that smart.... STAY persistant...

    — lon razor · 2007-11-05 18:01 · #

  26. Paul is a liar!!!!!

    — lon razor · 2007-11-05 18:03 · #

  27. Just for the person who thinks Paul and Jim are nice guys. You'll find out in the long bad run and the hard way that they are criminals. and If it is someone who is telling them about this info......Tell them that I am on their backs and will not let go till they and their lawyers tap out. and then I will still kick them when their down. They messed with the wrong family with all the lie's and fraud's. I will personally watch Paul cry and beg for forgiveness.Jim next- their mutt John- Wayne- Charles. The whole group. By the way you ass.. If you think all the people that are upset now have done this to themselves and put themselves into mortgages they can't afford, your more of an IDIOT then your comments sound. Shark lenders(predatory lenders)feed off their prey just like a shark.Hit you from behind when you least expect it.Have you trust them at first, take a bite where you don't feel it,then hit you again from behind and drag you down deeper where there is nothing to grab onto anymore, makeing you feel that this is it and it was your fault for being in the big sea. Well, the big sea is life and if someone thinks they can take that away from good people, they need to be dealt with. So now I am going to swim back up from the depth of the big sea , lick my wounds, and start hunting for all the sharks in the sea for makeing my life complicated.Starting with dragging the first one out of the water and watch him gasp for air. So, If you are Paul or one of his peeps. I KNOW "ALL" ABOUT YOUR LITTLE GROUP. NOW MYSELF AND ALL MY HUNTERS ARE WATCHING YOUR EVERYMOVE ,EVERYDAY,AND WAITING FOR THE GO AHEAD...TABLES ARE TURNING!!!BY THE WAY...THAT PAIN YOU'LL BE FEELLING WHILE ALL YOUR HOMES AND NICE THINGS YOU HAVE START SLIPPING AWAY. THAT IS CALLED.. PAY-BACK! SLEEP WELL!! WHILE YOU CAN..

    — pissed off · 2007-11-06 18:41 · #

  28. As I watch all these forclosures on T.V, I cant help but think about Paul and Alpine realty and everything that has happened to all good people involved in their web of deception. I wish I had the nerve to come forward and reveal myself, but I am afraid of a slander suit. (remember,these guys will do anything for a buck) I hope everyone will band together and make sure these guys get what they deserve!

    — anonymus · 2007-11-09 21:23 · #

  29. please contact me.JON COLVIN. I am not afraid of those jerk off's. I've put my name out there and they know it. They are also planning on running to Arizona or Florida now to start there bull shit all over again.So we all need to stick together and not worry about what they will do ,because it will not amount to anything cause of the investigations already on them. I am asking everyone who reads this to contact me. People who they have messed over and the people who paul and comp. have convinced they have done nothing wrong. WE CAN TALK TOO! THIS CRAP NEEDS TO STOP ALL OVER THE U.S., AND WHAT A BETTER PLACE TO START THEN WITH THEM.

    — jon · 2007-11-13 12:50 · #

  30. Please contact me with any information around Paul Reese. ACORN, a non-profit community organization, is a leading advocate of anti-predatory lending nationally. Borrowers should be able to trust that brokers and lending companies will not ruin their lives. We would like to take action now! Please Contact me at my email.

    — Chrissi · 2007-11-20 20:05 · #

  31. unfortunately,email addresses aren't always showing up on this web site and I don;t feel comfortable devulging all the info to a web site. If someone were inclined to send an anonymus letter to someone, I wonder where someone would send that letter?

    — anonymus · 2007-11-22 23:11 · #

  32. If you want to find Paul,

    I bet his brother will know where,

    Randy Reese 8200 virginia circle, St Louis Park

    952.544.2355

    He in the same game, he learned from his brother...

    — lon razor · 2007-11-26 14:23 · #

  33. you all should be careful, Paul Reese could be doing the loans under his wifes name now Angela Mcnamara

    — Tanya · 2007-11-26 20:04 · #

  34. Randy Reese may be the stupidest person I've ever met. Unfortunately I was stupid to get involved with him and his stoner of a brother. They all are greedy, shallow, pitiful people that have flaunted there overnight wealth and ruined many peoples lives in the process. It is no wonder that Carol spends all her time in church praying for their souls. Too late Carol, your all going to hell, but it will be hell on earth. I can't wait for the day that I see all of you homeless or in jail.

    — unknown · 2007-12-08 08:34 · #

  35. You are all forgetting the involvment of Wayne Berthiaume of First Priority Mortgage of Minnesota. Paul Reese needed Wayne's help to pull off the robberies of innocent people.

    — anonymous · 2007-12-11 12:39 · #

  36. Please remove the posting for December 11, 2007; 12:39 PM. The information is inaccurate. Thank you.

    — anonymous · 2007-12-19 10:58 · #

  37. you can't believe everything you read/hear!

    — Innocent Until Proven Guilty · 2007-12-27 19:35 · #

  38. I am writing an article about mortgage fraud in the Albertville area and would be interested in speaking to anyone with firsthand experience.

    Feel free to contact me at the following phone number: 612-673-4308.

    Thank you,

    Chris Serres
    Reporter
    Minneapolis Star Tribune
    Ph: 612-673-4308

    — Chris Serres · 2007-12-31 15:47 · #

  39. I sure don't know why anyone would want to take Wayne off the crook list, I heard he is related to Paul, I think it runs in the family.
    Paul's address is:
    8899 Kahl Way NE
    Otsego, MN
    Riverwood International Golf Course
    Wright County records show that it is Angela's house, no wonder Paul can get away with living in a Million dollar house. You can run but you can't hide.

    — anonymous · 2008-01-02 18:22 · #

  40. No, it is not inaccurate Shelly. You know yourself that everyone that Paul deals with or office he sits in, its all crooked.

    — anonymous · 2008-01-03 15:02 · #

  41. Paul's address is 8899KahlWay Ne Otsego, top of the hill at the new Riverwood International Golf Course. Looks like from the wright county records that the house is in his wife's name, no wonder he can get away with living in a home that is over $1million. I am sure she is in on all of the scams too. I sure those that should be behind bars will be soon. You run but you can't hide.

    — anonymous · 2008-01-07 17:18 · #

  42. what the hell is going on

    — anonymous · 2008-01-16 22:31 · #

  43. Yes, Wayne B. works at First Priority Mortgage, but he is not a relative of Paul Reese. Wayne is not crooked, but unfortunately in order to keep his job he must do as his boss requests.... his boss being Paul.
    Of course everything Paul owns is in his wifes name-vehicles, home, everything. Wouldn't you if you were wanted by the IRS and risked losing everything? Take him down!

    — sarah · 2008-01-21 09:03 · #

  44. Paul has a house on Cedar Creek Golf course that is also in his wifes name (maiden name). He could not sell the house, so I believe they rented it out so they could move into the house on Kahl Way. This home is now in the midst of foreclosure. Way to go Paul you idiot.

    — anonymous · 2008-01-30 11:12 · #

  45. Paul also owns a house in Forst Hills

    — anonymous · 2008-02-10 08:56 · #

  46. I herd that Alpine Homes just layed all there employes off.And Alpine Homes is closeing there doors.

    — anonymous · 2008-02-14 22:49 · #

  47. MY GOD... I was looking up Randy Reese...

    He REALLY IS the the most STUPID PERSON in the world.... He is sitting in his unpaid living room somewhere... Saying... Duh.. DO you have a lighter??? Hey Randy, what happened with that place on Cedar Creek, I know YOU paid your RENT..

    — you know who?? · 2008-02-19 18:05 · #

  48. It seems that all the players are starting to get what they deserve. YEAH!
    Quality Title, Paul Reese, Alpine Homes & First Priority Mortgage, how does it feel to be in a financial pinch? Thanks to all who have come forward to help put these criminals away.

    — anonymous · 2008-03-08 15:42 · #

  49. I see Paul's house is on the market now and appears to be a foreclosure property.

    — curious · 2008-03-13 10:34 · #

  50. FYI...First Priority Mortgage has been dissolved.

    — Marty · 2008-03-25 10:16 · #

  51. I understand First Priority Mortgage is no longer in business.

    — In The Know · 2008-03-25 12:59 · #

  52. everyone should get a fucken life. Especially Carrie Engel who abused me while I was growing up. NOt only did she physically assult me more than once, she demeaned me constantly and always took her frustrations out on me. Mental abuse was the norm and having no friends and a life was also quickly accepted. This bitch is fucken scandelous and deserves nothing. Yeah, fuck you Carrie trying to portrait my dad as some monster. Why don't you look in the mirror and realize what you did to us kids. Fuck You

    — jared reese · 2008-03-28 20:53 · #

  53. Why don't you guys take some responsibility upon yourselves? You are grown adults or at least you think you are. The number one and two things you are resposible for when purchasing a home/property is to do research (my guess is there is more than that one particular financial establishment/real estate company in that area or for that matter in the state) and make sure YOU have YOUR financial priorities and budget in tact before digging YOURSELF into a bigger hole. YOU are responsible for the situations that you got yourselves into. GET your SH-T together before making major purchases. It is the responsible thing to do. STOP trying to keep up with the Jones.

    — not so sure · 2008-03-30 09:30 · #

  54. Jared, how many excuses can you come up with??? You are a bottom feeder, just like your uncles... You would sell your soul and your words for 50 bucks... Go back to jail, and shut up!!

    — lon razor · 2008-03-31 09:24 · #

  55. Not so sure- sounds like a member of the Reese family... Maybe Randy or Paul himself..The height of hypocracy.. Listen, you don't have websites devoted to bring you to justice if you do things the right way, and HOW responsible are you when you lie,cheat,steal, and put all your assets in the name of your wife, that you married out of convience and ability to manipulate.. And, if anybody WAS compelled out of there insecurity to "keep up the Jones" it would be the idiot Reese brothers....

    — you know who · 2008-03-31 16:21 · #

  56. Check out Mn Criminals.com, type in Jared Reese, looks like he has a criminal record, so sad you can't make an honest living. I guess you learned how to rip folks off from your dad, way to go Paul. You can't even raise a kid, you have so much to be proud of you idiot. I hope you spend the rest of your life in prision for what you have done to the good people of Albertville and Saint Michael. No wonder when you see someone that you ripped off in public you take off like a bat out of hell. If you didn't do any thing wrong why do you run and hide? I bet your wife is so happy she married you, her life must be so special.

    — happy camper · 2008-04-03 19:02 · #

  57. NO... I am not a member of the family. I will also say that maybe partly the lenders fault but most of all it is the persons who don't do their research. The government allowed this to happen by not regulating the industry. So, I believe, there is plenty of blame to go around. Next time you make a major purchase including your automobile take great caution because they will get you too. That is why so many people are "upside down" in their vehicles. Although, if you let that happen maybe you can try to send them to prison also. More advice... don't critize or make assumptions about other people's wives if you don't personally know them.

    If you don't like the way the person does business it does not neccessarily mean the spouse or other family members are the same.

    — not so sure · 2008-04-07 12:01 · #

  58. This site should just get shut down. It's gotten way off track. It's to the point where the only thing coming across is the bad-mouthing of family members and the assumptions of feelings of spouses, etc. If your goal is to personally attack other family members, (some of which may or may not have any knowledge of the wrong doings of their relatives) then pick up the phone and call them rather than humiliate yourself and them through this site. This is a predatory lender site, NOT for the Jerry Springer wanna-be's.

    Get back to the point and quit the harassment of innocent people.

    — Disappointed · 2008-04-08 07:07 · #

  59. Come on people,

    Does anyone believe that Paul, his brother,his wife did not know what he was doing??? NORMAL PEOPLE, when they SEE wrong doing, stand up and prevent it.. His friends, family, friends and wife mostly knew what was going on, some if not all were in on the TAKE, none of you people will say WHO you are... Stop crying and reveal who you are, which will say something about your position...

    — lon razor · 2008-04-11 12:08 · #

  60. "Which will say something about your position...." Why is it that Lon Razor is not listed in any white pages in the entire state of Minnesota????

    — not so sure · 2008-04-13 17:36 · #

  61. NOT SO SURE, is obviously NOT TOO BRIGHT... It's called non-published....

    Yet, no response to WHO you are!

    — LON RAZOR · 2008-04-16 09:13 · #

  62. I haven't read this section for awhile cause I'm too angry about my situation that I got into by trusting someone. I don't give 2 shits about Paul Reeses kids or family,and I will not talk or argue with them.But I will say that if I see Paul,He will get a peice of my mind.If my situation is not fixed by then, God help him.He was told not to screw me over.So I guess he was worned. Sorry kid, but your dad has screwed too many people over.I guess when you live your life a lie, know one really knows who you are.Not even your own family.Its not your fault. Just hope you don't end up like him.Yes brokers that scam honest people out of there homes and money have caused alot of damage to the houseing market. If you don't beleive that comment then we all know what kind of person you already are. I learned how it works now,But after I was taken for.There are good honest Mortgage Agents out there. They will not lie to you about your mortgage,and try to figure out away to make extra money off of you. They will tell you the truth about your mortgage and weather they feel you can afford it or not.Its too bad that some people hate themselves so much that they just can't help it but to try and take away from good people just to make themselves feel beter.Good luck Paul, on trying to straighten your life around.

    — still waiting · 2008-04-25 10:57 · #

  63. This web site is to let the public know the awful things that Paul Reese has done. He is a smooth operator and will be your best friend and then screw you in the end just to make his life easier and richer. I was good friends with him when he was married to Carrie Engle and if there was any abuse it was from the kids. They were all in trouble and Paul just let them walf all over her. Funny how the kids never graduated after she left and the things that happened. Please everyone be very careful. God bless you Jared and I hope that your life becomes less angry. Now everyone please put useful stuff on here!

    — Sincere · 2008-04-30 13:56 · #

  64. I was the first two "not so sure". I do not know who the third one is. For those of you who are curious as to who I am ... my name is Gina Olson and I live in North Dakota where things are looking GREAT!! Only problems we have is not enough housing for the employees needed here in the oil field business.

    P.S. I am still not related to the Reeses.

    — Gina Olson · 2008-05-07 11:43 · #

  65. Mr. Sincere or should I call you Dan?

    — LON · 2008-05-11 07:32 · #

  66. I can SMELL SOMETHING!!!!

    COULD IT BR RANDY!!!!

    — choker/sodomizer at virgina circle · 2008-05-13 09:16 · #

  67. WARNING WARNING WARNING
    Has any one heard of a company called American Mortgage Brokers LLC in Tampa Florida run by Jim Marks? Or have you had any dealings with him or his relatives including Barry or David Silber who are in the business of lending hard money and they run Linear Capital LLC and other Real Estate ventures out of Tampa Florida? We beleave that we have been had from day one by a family of predatory lenders who's only intent was to strip all our equity and take control of all our families assets. We are asking for anyone with info on these guys or their companies to join us, We are meeting with several gov agencies that investigates cases like ours. They want to see if any federal or state laws have been broken. We also want to see if there is any fraud going on with other borrowers and this group or is there a pattern of abuse, predatory lending or TILA and HOPEA etc violations. Rec for Mike at 352-274-8467 or e-mail shel3r@aol.com

    — Ray Shelton · 2008-05-14 03:39 · #

  68. WARNING WARNING WARNING
    Has any one heard of a company called American Mortgage Brokers LLC in Tampa Florida run by Jim Marks? Or have you had any dealings with him or his relatives including Barry or David Silber who are in the business of lending hard money and they run Linear Capital LLC and other Real Estate ventures out of Tampa Florida? We beleave that we have been had from day one by a family of predatory lenders who's only intent was to strip all our equity and take control of all our families assets. We are asking for anyone with info on these guys or their companies to join us, We are meeting with several gov agencies that investigates cases like ours. They want to see if any federal or state laws have been broken. We also want to see if there is any fraud going on with other borrowers and this group or is there a pattern of abuse, predatory lending or TILA and HOPEA etc violations. Rec for Mike at 352-274-8467

    — Ray Shelton · 2008-05-14 03:41 · #

  69. Angela mcnamara oh angie lol I met angie at a mutual place of employment several years ago, she always seemed nice, but hardly the personality or intelligence to make millions (legitimately) I hope she wasnt part of this scam, and just an innocent victim of paul reese, time will tell. paul should spend many years in federal prison for his actions against the great people of minnesota.

    — jason · 2008-06-28 13:45 · #

  70. I see from the Wright county tax records that Angie and Pual have several fed tax liens, how nice is that, maybe you should have paid your taxes with all of that money you ripped off from us hard working honest people. You are the skum of the earth. I hope you spend the rest of your lives in prision where you belong.

    — hoping in albertville · 2008-06-30 17:36 · #

  71. Another con artist you will need to look out for and has made many bad business deals in the Albertville, Wright county area is Tony Hill. Watch out he will be going to jail very shortly. If you know anything about him or his wrong doings please post them so we can start building a case about him and his fraud deals too. So many people have suffered emotionally and financially by this man and his schemes that it needs to end, so no one else is caused the stress that we have had to endure.

    — ready to end this · 2008-07-01 13:55 · #

  72. Another con artist you will need to look out for and has made many bad business deals in the Albertville, Wright county area is Tony Hill. Watch out he will be going to jail very shortly. If you know anything about him or his wrong doings please post them so we can start building a case about him and his fraud deals too. So many people have suffered emotionally and financially by this man and his schemes that it needs to end, so no one else is caused the stress that we have had to endure.

    — ready to end this · 2008-07-01 13:55 · #

  73. Another con artist you will need to look out for and has made many bad business deals in the Albertville, Wright county area is Tony Hill. Watch out he will be going to jail very shortly. If you know anything about him or his wrong doings please post them so we can start building a case about him and his fraud deals too. So many people have suffered emotionally and financially by this man and his schemes that it needs to end, so no one else is caused the stress that we have had to endure.

    — ready to end this · 2008-07-01 13:55 · #

  74. Another con artist you will need to look out for and has made many bad business deals in the Albertville, Wright county area is Tony Hill. Watch out he will be going to jail very shortly. If you know anything about him or his wrong doings please post them so we can start building a case about him and his fraud deals too. So many people have suffered emotionally and financially by this man and his schemes that it needs to end, so no one else is caused the stress that we have had to endure.

    — unknown · 2008-07-01 13:57 · #

  75. Another con artist you will need to look out for and has made many bad business deals in the Albertville, Wright county area is Tony Hill. Watch out he will be going to jail very shortly. If you know anything about him or his wrong doings please post them so we can start building a case about him and his fraud deals too. So many people have suffered emotionally and financially by this man and his schemes that it needs to end, so no one else is caused the stress that we have had to endure.

    — unknown · 2008-07-01 13:57 · #

  76. So, now what? There hasn't been an entry since July 1st. Is this whole thing over? Looks like Quality Title closed, First Priority Mortgage closed, and Alpine Homes closed. Also both Paul Reese and Jim K's houses are on the market. Foreclosures maybe? Are there still any lawsuits pending? Has justice been served? Can we all go back to every day life yet, or is there still plenty of unfinished business? Just curious...........

    — Curious · 2008-08-14 14:07 · #

  77. All I can say is that I am sorry for my father's actions. Although it has nothing to do with me, I feel, for everone that got "ripped off". I never knew the things that were going down because I was never allowed to conduct business with my father. Anyways, I wanted to clear the record on a few things so that everyone can understand the truth. I did get into trouble and had a drinking problem. I was a kid and I made mistakes. The criminal record part comes from me being in a vehicle that had drugs in the trunk. The car wasn't mine and neither were the drugs. The owner of the drugs, Lee Ikler would not admit to them so I was charged with guilty by association, aiding and abeting a controlled substance. By no means am I a criminal, in any sense. I don't rip people off and no I didn't learn it from my dad! Also, all of us kids did graduate from high school, except for Jessica. Justin and I graduated with honors and both went on to college. Justin made the dean's list every semester and graduated from Brown college succesfully. I graduated from high school with honors and I am currently enrolled at the University of Phoenix, happily pursuing a golf career. Jessica is making great money helping out the flood victims in Texas. Someone said that "all" the kids were in trouble and Paul let them do "whatever". This is not true by any means. Justin has never been in trouble and Jessica hasn't been since 1998. We didn't get to do whatever, we didn't even get to lead our own lives. Carrie was to busy controlling everything. So people need to get their facts straight and quit slandering my family. My dad is who he is and his life is his, us kids don't control that. I have a beautiful daughter now and a great fionce. It is my time to be a dad and I will undoubtedly do it differently then my dad did. I do admit he hasn't been the best father but he was always there for me when I needed him the most. Some person also stated that the abuse was from the kids? What abuse? Oh, the time Carrie slammed a potted plant on my hand and ripped open the stitches that I just got. I called the cops that time and I am sure there is a police report somewhere that will back me up. Or is that the time where Carrie physically pushed me out of the laundry room, while screaming at me to get to my fucken room. Or was it the times when me my sister and I would sit and cry and wonder why life hurt so bad? It didn't hurt that much before Carrie was around. We were mentally abused and physically confronted by a step parent on too many occasions. I have so many bad memories of Carrie that it is almost depressin. I honestly can't remember a time with her that I was truly happy or glad to be there. All this shit doesn't really matter anymore, I just wanted everyone to know the FACTS. Carrie said that I have an angry life. My life is beautiful and full of great things. Carrie doesn't know the first thing about how much pain and aggony she caused because in her eyes she didn't do anything wrong! Fuck; carrie even grabbed our dog Harley by the scruff and back skin and them threw him down the garage stairs, leaving him yelping in pain, all because he peed on the floor. That is some physcotic shit! It is a defensless animal! Carrie used to scream at the top of her lungs when she was sitting right across from you. I guess she thought that I couldn't hear her when she was talking! Or maybee that was her way of dealing with her angry life. So don't get confused people, get the truth. I will answer any questions and I am not scared to reveal who I am. Any one else gonna show there face? Or just sit and hide behind screen names. Hit me up!!!

    — Jared Reese · 2008-10-01 16:20 · #

  78. Jared, Thank you for the apology, nobody has held you accountable for your fathers actions. Now maybe you understand how many lives he has ruined, hopefully his own as well. Maybe you can unsterstand why so many people acted and responsed as they did. He deserves to be in a cell next to Tom Peters, they seem to run the same type of scams. I see that Paul and Angela have homes in foreclosure, I wonder how they like it? What goes around comes around. Thanks for seeing what many of us have been seeing or feeling for several years.

    — Curious · 2008-10-07 15:41 · #

  79. Can someone please tell me how you find out if someones house is in foreclosure? One of Paul's scum bag associates is in a similar financial crisis and I was wondering how a person would find that out.

    — Uneducated · 2008-10-09 07:40 · #

  80. I found Pauls info in the Wright county records. All you have to do is enter the last name and your will find tons of info on that person. ALso, Edina Realty has a site with foreclosed homes on it. If you know the address of the home and if it is in foreclosure and on the market it will show up there as well. I have heard that all of Pauls' buddies are on the same sinking ship. I hope they are all headed to Fereral Prision too!

    — jenny · 2008-10-11 13:05 · #

  81. I found Pauls info in the Wright county records. All you have to do is enter the last name and your will find tons of info on that person. ALso, Edina Realty has a site with foreclosed homes on it. If you know the address of the home and if it is in foreclosure and on the market it will show up there as well. I have heard that all of Pauls' buddies are on the same sinking ship. I hope they are all headed to Fereral Prision too!

    — jenny · 2008-10-11 13:05 · #

  82. Jared that was a very heartfelt appology but slandering someone who is not involved in this web site is a crime. I was around alot when you guys were with Carrie and your Dad. Do you remember why you had to live with them? Drugs and abusing your mom? Do you also remember the great things she did? She wanted what was best for you and I know ALL the trouble you were in even in school and all the fights. You did not graduate with honors and if you did what GED class was it? I think all the stuff you did has clouded your memory. I think I remember the cops telling you to go to bed and respect your parents and the stitches were intact. I haven't talked to Carrie in years but I know that you were a spoiled brat that never once gave her a chance and caused ALOT of termoil in the house. You seemed to have grown up but you need to realize that things have been fabricated and Carrie supported you alot finacially for many years without you probly knowing. She isn't perfect either but would never talk like you have. I am sorry that you seem to mixed up. I hope that someday you will realize what Carrie and some of her friends tried to help with. Why don't you just stop and leave the bitterness behind you. Just don't follow in your Dad or Uncle's footsteps.

    — Sincere · 2008-12-01 15:51 · #

  83. Apparantly Paul Reese is not doing so well. His power got shut off last week due to nonpayment, and he has downgraded his vehicles. This is per one of his associates who is also in dire financial trouble. This associates home is being forclosed on as well. Screwing people over will always come back to haunt you in the end. They are getting their just due…….

    — uneducated · 2009-05-26 09:04 · #

  84. for those of you who need this guy….Charles Bailey is in state of Virginia. Go get him;check with dept. of commerce mn.

    — anonymous · 2009-06-08 11:53 · #

  85. First off, I am not here to argue with someone who was a friend of Carries. I know that it is Carrie….I did graduate and do have a high school diploma. Not a GED. I never wanted to give you a chance because I knew you were a piece of shit. A fucken ugly as piece of shit. I hate you so why don’t you shut your fucken mouth. Don’t fuck with my family. I am over the past and have been. My memory was cloudy from my brain being shaken by all the fucken yelling you did. The only turmoil in the house was caused by you being a dumb ass bitch. Trying to be a mother to someone that already has one. Oh yeah, I guess I abused mine? Where do you get that shit from? Call me so we can talk or shut the fuck up! I know that won’t happen though, you could never keep your mouth shut. Everytime I picture you I see you yelling and pissed off. You didn’t try and make shit better for me. Don’t pretend your a person that your not. I don’t, I can’t! 763-442-9588 OR actually email me at jaredreese2003@yahoo.com.

    Jared Reese · 2009-07-30 21:55 · #

  86. Looking for anyone knowing of any wrong doings of Anthony Steven Hill (Tony Hill). He was using Business credit cards with my name, which I was not aware of. He was using them above the limits. Now I have to fight these credit card charges of about $50,000.00. He has destroyed my credit rating. I was conned from someone I trusted and called a friend. Any information please contact me. 763/439-2009

    — Joe · 2009-09-21 20:19 · #

  87. BEWARE: I heard Paul is planning on opening another mortgage company. I don’t know how he plans to, but I know you can start it up under someone else’s name. Also, Jim is planning on finding a way into the mortgage industry.All of those that say you have been taken advantage of, you need to stand up and make sure these men are put away!

    as for the ones defending these men, you need to realize that when you go to a bank, you trust them to take care of your money. when you go to a mortgage broker, you give them the same trust. They know who, and how to take advantage of someone. They know they are being trusted to handle someone’s biggest investment.

    — anonymous · 2009-09-24 11:18 · #

  88. WARNING WARNING WARNING
    Has any one had any contact or worked for a company called Linear captial or American Mortgage Brokers LLC in Tampa Florida run by Jim Marks and Barry Silber? Or have you had any dealings with him or his relatives including Barry or David Silber who are in the business of lending hard money and they run other Real Estate ventures out of Tampa Florida? We beleave that we have been had from day one by a family of predatory lenders who’s only intent was to strip all our equity and take control of all our families assets via the “we can save and rescue you from forclosure” and complex deals and mortgages. We are asking for anyone with info on these guys or their companies to join us, We are meeting with several gov agencies that investigates cases like ours. They want to see if any federal or state laws have been broken. We also want to see if there is any fraud going on with other borrowers from this group or is there a pattern of abuse, predatory lending or TILA and HOPEA etc violations. For the Record call 352-465-1865
    Up date: We have been told that Jim Marks the front man for Barry Silber is out of business but working for another mortgage company. We are in court fighting Barry Silber and we are sending many documents to state and federal agencys. If you lost your home to these guys and feel your were dupped by predatory lenders please give me a call and I will pass your name on to the right agencys. 352-465-1865

    — Ray Shelton · 2009-11-16 21:40 · #

  89. Warning…LINEAR CAPTIAL>>>BARRY SILBER JIM MARKS>>>AMAND SIGLER >>>TAMPA FLORIDA>>> Have you met the slick team of Barry Silber and Jim Marks from Tampa Florida and Amanda SIGLER The REALTOR? Did you lose a home or property to them? Did you work for them? Jim Marks who I will call the front man for Barry Silber came to our home when we fell behind on our home mortgage. BARRY SILBER AND MARKS worked in the same building and may have been related in some way…AMAND SIGLER SOLD and bought PROPERTIES FOR THE GROUP> In the begining: Marks responded to a public notice with statements of how he could rescue us from the forclosure, repair our credit and get us a low cost loan. Our only fault was that we had a great deal of equity in many family waterfront properties and we told MARKS AND AMANDA SIGLER about it. It took some time but after Marks gained our complete trust and confidence he created a company for us that he managed. He eventually got control of all our families assets, then he and Barry Silber creativly proceded to strip and con us out of everything and I do mean everything. Behind it all… Was Barry Silber his friend or relative directing Marks from the very begining? Silber a hard money lender / Attorney out of tampa was very sharp and we were very stupid to trust him and Marks but through slick complex loans and agreements that we didn’t understand Silber now ownes 50% of our company and Marks ownes the other 50%. They had us sign many of the agreements / loans after hours as they suffled us from room to room and as Silber recreated contacts in his office. We were given many corrected / redone copies to sign. I think their purpose was to hide us from the other people in the offices and beat us down as they teamed up on us. Results of the late night signing created a one year default that took everything and we had. Many of our future income properties have been sold by these guys and now they are forclosing on our waterfront home. At one point they both tried to sell us back out families propeties for 4.5 million. But they knew we never had that kind of money but we at some point did have the equity that they conned out of us. We believed that Marks was our good friend, in the begining he was kind and considerate and he assured us that he would protect our families assets if he was given control to manage them. He brought us food and lent us small amounts of money when we needed it because we had no income at that time but we knew that we could sell anyone of our families properties for cash if we needed it, So we, like complete idiots trusted Marks with everything even the books and money, He even convinced us to not sell any properties becuse he could do much better for us if he handled the properties. But he was only setting us up to take everything. Lets not forget Amanda Sigler another (new friend) realtor who stood to gain a great deal from our destruction and who may have been feeding important info to Marks. We believe that because of our Kindness, age and good equity in family properties we became Marks personal bank account… Were we targeted from the very begining by nothing more then a family of predatory lenders who’s only intention was to strip us of all our equity and gain control of all our properties? That is exactly what they did. We believe that we were steered right into the hands of Barry Silber this hard money lender Barry who owned and Linear Captial out of Tampa Florida. All the while Marks our friend and partner / a mortgage broker had promised us that he was searching for a better loan for us. Today we are in court and we are now asking every law enforcement agency including tha United States attorny general, Eric Holder, Fla States Attorney general and others involved in mortgage fraud to procecution these people for crimial Usuary and corporate fraud. If they took more than 45% in proffits and interest via the mortgage con jobs etc then they may have vioations some RICO issues but we do not know for sure. My attorney says that they may go to jail and may lose their licence to practice law and sell mortgages. If you have had any dealing with or worked with these people in any way please let us know. All calls will be kept private. Call Ray at 352-274-8467

    — Ray Shelton · 2009-11-23 03:08 · #

  90. Barry Silber Jim Marks. Predatory lenders con men??? There are many ways to take property and equity from the elderly check this more complex trickery below.

    Help expose these men.

    Here is a comment worthy of note which I found trolling the comments on my blog:

    Remember if you are dealing with an unscrupulous licensed professional (attorney, mortgage broker, etc.) you can file a grievance with the licensing agency who will investigate, prosecute if necessary, and possibly require restitution.

    Comment:

    [Editor’s Note: If con men looked like crooks they wouldn’t get anywhere. They always ingratiate themselves and seem like good people interested in helping. They intentionally do not appear to be much different from legitimate lawyers, auditors, debt counseling etc. Livinglies does not vouch for the accuracy of any statement contained in the article below]

    A Warning to others having Mortgage problems: Re: A family of predatory lenders…

    Our family was having some problems with our first mortgage we got behind and were facing a potential foreclosure.

    We got a lot of the typical rescue mailers telling us that we had plenty of equity and not to worry. We knew this and we only needed 20 to 30 thousand dollars to bring the loan current. Plus we knew we could sell another property that would pay off part of our loan at any time. That seemed simple enough,.

    Now let the nightmare begin…

    We were approached by a broker / lender named Jim Marks out of Tampa Florida who said he could rescue us and the rates would be very low because we had so much equity in our waterfront home. He said he could find us plenty of money. We were very clear to him that we did not have the income to do any major loan an we only needed a small amount.

    Fast forward… He befriended our family, had lunch many time in our home and other places , went snorkeling and diving on our boat with his family, he also wanted to see all the waterfront and residential properties my family had invested in, he also brought out investors to see what we had, later we found out that the investors were his own relatives (Barry Silber the lawyer / hard money lender with Linear capital of Tampa ).

    They wanted to know if any friends had good deals on waterfront properties, I fell for all of it like a sucker and provide what they needed, Marks assisted by Silber structured a deal putting everything into the [deal?] that we already owned, they created a corporation for our family, as a JV partner Marks took 50% and gave us 50%, but took complete control of everything, he sold land we had, used the money for other purchases, took out loans without approval from our family.

    As we were about to sell three of our waterfront lots and an investment home, he said don’t do it put it in the JV and we would do much better later with him in control. So we trusted him with everything including the check book.
    We thought he was our friend and would managed and protect us but boy were we wrong.

    We had no idea that it was all a set up from the very beginning to get control of everything we had. It is clear now that we had a big target on our backs called equity. We were steered by Mr Marks right into what I now believe was nothing more than family of Predatory Lenders.

    They got me and my family by saying that they could rescue us but all we got was high interest rates etc etc. They eventually forced us into a foreclosure, but always stood by with additional high cost loans in order to get them to stop their foreclosures. We were trapped.

    We were forced to meet after hours at their offices to sign more rushed document that we did not really understand. (e.s.) Jim Marks would say don’t worry I got your back and would never let you sign anything that would hurt you or your family. Papers were shuffled around for hours by the lawyer/lender Barry Silber and their title company that they all owned and controlled.

    We did not want to sign anything but we were up against the wall and the mortgages that they gave us were all due again. They took a years worth of payments up front that night and paid themselves many fees. Now we had a new giant mortgage on our home that was due in one year it also had a rider that would take away all our rights to the JV that controlled all our Families properties if we didn’t pay them back within that one year.

    We told Marks that we can’t pay this loan back and he said don’t worry we will sell something in the JV to pay this off or refinance you again. The lawyer involved was Mr Mark’s relative, Barry Silber was also part of the company that gave us one or more of the mortgages. Before that year was up his cousin Barry Silber started foreclosure on everything and than said they could not lend any more money. What is astounding is that our Mortgage on our home was now over $ 1 million dollars. How did this happen in just 3 years?

    How did we allow someone to take all our families properties? First we trusted Jim Marks as a friend and business partner. But he was clearly working his way into our family and eventually found out every aspect of our assets and liabilities. Second: We were not very smart with our finances. Third: We don’t have much of an education and trusted him because he said he could handle everything properly.

    Now we see that they were all very smart and we were conned over and over again into trusting a family of hard money lenders who had one motivation and that was to milk us of all our equity by what ever means possible. We all feel very bad because we let this happen to our families holdings. We believe that state and federal laws have been broken AND WE HAVE BEEN IN CONTACT WITH EVERY AGENCY POSSIBLE SEEKING JUSTICE. FROM LOCAL LAW ENFORCEMENT TO THE UNITED STATES ATTORNEY GENERAL AND EVERYTHING IN BETWEEN. WE ARE ALSO FILING COMPLANTES WITH THE FLA BAR AND OTHER AGENCYS THAT CONTROL THE LIC OF THESE MEN IN THE HOPE THAT JUSTICE WILL BE SERVED. Law enforcement and media take notice…We would like others to give their advise or their own story if they have one about these people or like kind cases. So Don’t ever fall for someone trying to rescue you with a hand of friendship. report all rescue scams and predatory lending to law enforcement.

    — Ray Shelton · 2009-12-13 15:47 · #

  91. BARRY SILBER, JIM MARKS, UPDATE
    COMPLAINTS FILED IN HILLSBOROUGH COUNTY, FLORIDA CIVIL DIVISION CASE # 09 13757

    PART OF COUNT II & COUNT III
    CRIMINAL USURY,
    CIVIL CONSPIRACY,
    ILLEGAL LOANS, MISAPPROPRIATED ASSETS, ETC ETC.
    UNATHORIZED REAL ESTATE PURCHASES AND SALES,
    ESTIMATES BY CONSPRIATORS IS 4.5 MILLION.

    WAITING FOR RESPONCE FROM SEVERAL
    STATE AND FEDERAL LAW ENFORCMENT AGENCYS
    NEW COMPAINTS COMING AGAINST ALL PARTIES INVOLVED.

    Predatory lenders or Rescue Scamers? Barry Silber, Jim Marks, Suzanne Marks. Linear Capital, America’s Mortgage Bankers LLC. Affordable Home Funding, The title Team Dale Group of Tampa Fl Amanda Sigler Realty

    324 N. Dale Mabry Hwy
    Tampa Florida 33609
    United States of America
    Phone: 813 514 6200
    Web Address:

    Category: ORGANIZED CRIME
    NEWS MEDIA TAKE NOTICEHELP US EXPOSE HOW WE WERE CONNED BY A FAMILY OF PREDATORY LENDERS OUT OF TAMPA FLORIDA

    To Whom it may concern,

    It is our hope that one of you will investigate and expose these people and their companies. We have filed a lawsuit ( case # 09 13757 division H ) in circuit court Hillsborogh County, Florida. against some of them for Usury and other issues. My attorney thinks they might have violated some RICO statutes if they got more then 45% interest. I think its could be as high as 300%. Please read or story and help us stop them from ever doing this again.

    Category: Predatory Lending Bait-and-Switch Equity Stripping Rescue Scamers

    Why Should you Read this story and avoid these PEOPLE and their companies?

    Re: Barry Silber, Jim Marks, Suzanne Marks, Amanda Sigler
    Here is a comment worthy of note which I found trolling the comments on my blog:Remember if you are dealing with an unscrupulous licensed professional (attorney, mortgage broker, etc.) you can file a grievance with the licensing agency who will investigate, prosecute if necessary, and possibly require restitution.
    Comment: [Editor’s Note: If con men looked like crooks they wouldn’t’ get anywhere. They always ingratiate themselves and seem like good people interested in helping. They intentionally do not appear to be much different from legitimate lawyers, auditors, debt counseling etc.
    A Warning to others having Mortgage problems:
    Our family was having some problems with our mortgage, we got behind and were facing a potential foreclosure. We got a lot of the typical rescue mailers telling us that we had the plenty of equity and not to worry. We knew this and we only needed 20 to 50 thousand dollars to bring the loan current. Plus we knew that our family would loan us the money if we needed it, they would sell just one property that would pay off part of our loan at any time. That seemed simple enough,

    NOW LET THE BARRY SILBER, JIM MARKS NIGHTMARE BEGIN…

    We were approached by a kind broker / lender named Jim Marks out of Tampa Florida who said he could rescue us from a foreclosure and the rates would be very low because we had so much equity in our waterfront home. He said he could find us plenty of money. We were very clear to him that we did not have the income to do any major loan an we only needed a small amount.

    THE SCAM: Seeing that we had a lot of equity, Marks gained our trust via some acts of kindness and eventually befriends our family, He showed great concern for our financial problem and found various ways to come to our home. He had lunch many times in our home and invited me out to lunch as his guest many times. He also worked his way into using our boats and waterfront property. He went snorkeling and diving on our boat with his family and we felt that he had a nice family and was sincere. After a while I shared some of our families information regarding investments that had been made. Jim Marks was very interested and wanted to see all the waterfront and residential properties my family had invested in, he also brought out investors to see what we had, later we found out that the investors were his own relatives (Barry Silber the lawyer / hard money lender with LINEAR CAPITIAL of Tampa ). Was Silber directing Marks? Was Marks the front man for either Silber or Linear?

    The investor Barry Silber came to our home invited by Marks and talk about a long term Joint Venture and wanted to know if any of my friends had good deals on waterfront properties, I fell for all of it like a sucker and provide what they needed, Silber disappears for a long time but some how comes back as the hard money lender but we did not know that he was Marks relative. Marks is now telling us that we can get any loan from anyone except Silber. I think this is against the law because marks was steering us right into the hands of his relative, Did marks get kickbacks or other profits? Marks got 50% of the corp and many fees after flipping our loans. We shall See about that later during discovery.

    I believe that Marks only assisted Barry Silber as a front man who looked for the elderly who had good equity but had problems with a foreclosure. Did Marks and Silber work as a team and structured a deal putting everything into the [deal?] that we already owned, We now believe that everything in the scam was planned from day one Marks even created a corporation for our family. We had no idea what Marks was doing with the company and can only guess that as a JV partner Marks took 50% and gave us 50%, Marks took complete control of everything, sold many lots we had, used the money for other purchases, took out loans without approval from our family. Were Marks and Silber having regular meeting on how to extract more from our family?

    Our family was about to sell three of our waterfront lots and an investment home, that would have brought in aprox $300.000.00. Jim Marks said don’t do it, put it in the JV and we will do much better later with him in control. So we trusted Marks with everything including the check book. We thought he was our friend and would managed and protect us but boy were we dead wrong.

    WAS AMANDA SIGLER INVOLVED? Was Amanda Sigler (a local real estate agent) feeding Jim Marks our personal information as she to befriended our family? Did she assist in taking personal property from an investment property without due process. The plan may have been set up from the very beginning to get control of everything we had. How much did Amanda gain? It is clear now that because we were elderly and easily conned and we had a big target on our backs called equity. We were steered by Mr Marks right into what I now believe was nothing more than family of Predatory Lenders.

    They tricked me and my family by saying that they could rescue us from a foreclosure but all we got was more flipped loans, prepayment penalties, fees, and high interest rates. All designed to extract equity and get control of our lives. They eventually forced us into a foreclosures, but always stood by with another big loan with additional high cost in order to get them to stop their foreclosures. I think Barry had clauses in the loan agreement that took huge attorney fees if he had to foreclose. He foreclosed and we paid him, stripping more equity from our land. We were trapped.

    SETTING THE TRAP: We were forced to meet after hours at their LINEAR CAPITIAL offices in TAMPA to sign more rushed document that we did not really understand. Was this a typical BAIT AND SWITCH? or was the intent to just beat us down? I am very sure that they did not want others to see what they were doing so they had to get us in after hours. (e.s.) We had many questions as documents are being brought to us for signing but Jim Marks was always standing right by our side saying don’t worry I got your back and would never let you sign anything that would hurt you or your family. Document were changed for hours by the lawyer/ lender Barry Silber as he re-did document, was this the bait and switch? We were taken out of the room several times and were brought back in when new doc were ready for us to sign. Please note that these two men owned one or more of the Title Company, The Real Estate Company, The Mortgage company and we thought they were the attorneys for everything including the corporation that was created for us.

    We did not want to sign anything but we were up against the wall and the mortgages that they gave us were all due again. They took a years worth of payments up front that night and paid themselves many fees. Now we had a new giant mortgage on our home that was due in one year it also had a rider that would take away all our rights to the JV that controlled all our Families properties if we didn’t’ pay them back over $500.000.00 within that one year.

    We told Marks that we can’t pay this loan back and he said don’t worry we will sell something in the JV to pay this off or refinance you or the corporation at better rates. We believed that the lawyer Silber would protect our family but we were dead wrong about that too. We now know that the lawyer involved was Mr Mark’s distant relative by marriage who stood to gain a great deal of money if we failed. I believe that this man Barry Silber should be disbarred and put in jail. We were set up to fail because after many months of Jim Marks infiltration into our family, they knew everything about us and our family and knew we had good equity to take.

    SILBERS ETHICAL DUTY: It was Silber duty to not let this kind of thing to happen to anyone but was he after our land and equity as was Mr Marks from the very beginning? Barry Silber was also part of the company that gave us one or more of the mortgages. Before that year was up Barry Silber started foreclosure on our home and then said that they could not lend any more money. They got control of the land and the corporation (RSI LLC) via the attached default to our mortgage and started to sell everything. All our future income was now in their hands. What is astounding is that our Mortgage on our home is now over $ 1 million dollars. They sold several of our residential properties and took most of the cash out our permission. How did this happen and when will they be prosecuted?

    THE SUCKERS: How did we allow some one to take all our families properties? First: We allowed Jim Marks in because he had all the answers to many problems we had and he was saving us from a foreclosure. We eventually trusted Jim Marks completely as a friend and business partner. But now we see that he was clearly working his way into our family and eventually found out every aspect of our assets and liabilities so that he could make his move and set the trap. Second: We were not very smart with our finances. Third: We were not smart enough to see the scam because we were blinded by his promises and trusted him because he said he could handle everything properly.

    Now we see that they were all very smart men and we were conned over and over again into trusting a family of hard money predatory lenders who had one motivation and that was to milk us of all our equity by what ever means possible. We all feel very bad because we let this happen to our families holdings. We believe that state and federal laws have been broken AND WE HAVE BEEN IN CONTACT WITH EVERY AGENCY POSSIBLE Including our Governor SEEKING JUSTICE. FROM LOCAL LAW ENFORCEMENT TO THE UNITED STATES ATTORNEY GENERAL AND EVERYTHING IN BETWEEN. WE ARE ALSO FILING COMPLANTES WITH THE FLA BAR AND OTHER AGENCYS THAT CONTROL THE LIC OF THESE MEN IN THE HOPE THAT JUSTICE WILL BE SERVED. Law enforcement and media take notice…We would like others to give their own story about these people or like kind cases.

    The KILL SHOT: This was the last statement from Mr Marks, He strongly advised us that we should quick claim our home to his wife’s relatives to avoid another foreclosure. So Don’t ever fall for someone trying to rescue you with a hand of friendship. Report Predatory lenders and Mortgage fraud abuse to everyone. Expose these people when found.
    Put them in jail if crimes have been committed I can tell all of you that this web site has helped in several ways. Keep it going

    — Ray Shelton · 2009-12-21 21:38 · #

  92. Barry Silber Jim Marks UPDATE:
    America’s Mortgage Broker’s Llc
    324 North Dale Mabry Hwy
    Tampa Florida 333609
    United States of America
    Phone: 813-289-0154
    Web Address:

    COMPLAINT FILED IN HILLSBOROUGH COUNTY, FLORIDA CIVIL DIVISION CASE # 09 13757

    PART OF COUNT II & COUNT III

    CRIMINAL USURY,

    CIVIL CONSPIRACY,

    ILLEGAL LOANS, MISAPPROPRIATED ASSETS, ETC ETC.

    UNATHORIZED REAL ESTATE PURCHASES AND SALES,

    ESTIMATES BY CONSPRIATORS IS 4.5 MILLION.

    WAITING FOR RESPONCE FROM SEVERAL

    STATE AND FEDERAL LAW ENFORCMENT AGENCYS

    NEW COMPAINTS COMING AGAINST MORE PARTIES INVOLVED.

    Predatory lenders or Rescue Scamers?

    Barry Silber, Jim Marks, Suzanne Marks.

    Linear Capital, America’s Mortgage Brokers LLC.

    Affordable Home Funding, The title Team

    Dale Group of Tampa Fl

    Amanda Sigler Realty, Dunnellon Fl

    324 N. Dale Mabry Hwy
    Tampa Florida 33609
    United States of America
    Phone: 813 514 6200
    Web Address:

    Category: Was this ORGANIZED CRIME?

    NEWS MEDIA TAKE NOTICEHELP US EXPOSE HOW WE WERE CONNED BY A FAMILY OF PREDATORY LENDERS OUT OF TAMPA FLORIDA

    To Whom it may concern,

    It is our hope that one of you will investigate and expose these people and their companies. We have filed a lawsuit ( case # 09 13757 division H ) in circuit court Hillsborogh County, Florida. against some of them for Usury and other issues. My attorney thinks they might have violated some RICO statutes if they got more then 45% interest. I think its could be as high as 300%. Please read or story and help us stop them from ever doing this again.

    Category: Predatory Lending Bait-and-Switch Equity Stripping Rescue Scamers

    Why Should you Read this story and avoid these PEOPLE and their companies?

    Re: Barry Silber, Jim Marks, Suzanne Marks, Amanda Sigler

    Here is a comment worthy of note which I found trolling the comments on my blog: Remember if you are dealing with an unscrupulous licensed professional (attorney, mortgage broker, etc.) you can file a grievance with the licensing agency who will investigate, prosecute if necessary, and possibly require restitution.

    Comment: [Editor’s Note: If con men looked like crooks they wouldn’t’ get anywhere. They always ingratiate themselves and seem like good people interested in helping. They intentionally do not appear to be much different from legitimate lawyers, auditors, debt counseling etc.

    A Warning to others having Mortgage problems:

    Our Story: Our family was having some problems with our mortgage, we got behind and were facing a potential foreclosure. We got a lot of the typical rescue mailers telling us that we had the plenty of equity and not to worry. We knew this and we only needed 20 to 50 thousand dollars to bring the loan current. Plus we knew that our family would loan us the money if we needed it, they would sell just one property that would pay off part of our loan at any time. That seemed simple enough,

    NOW LET THE BARRY SILBER, JIM MARKS NIGHTMARE BEGIN…

    We were approached by a kind broker / lender named Jim Marks out of Tampa Florida who said he could rescue us from a foreclosure and the rates would be very low because we had so much equity in our waterfront home. He said he could find us plenty of money. We were very clear to him that we did not have the income to do any major loan an we only needed a small amount.

    THE SCAM: Seeing that we had a lot of equity, Marks gained our trust via some acts of kindness and eventually befriends our family, He showed great concern for our financial problem and found various ways to come to our home. He had lunch many times in our home and invited me out to lunch as his guest many times. He also worked his way into using our boats and waterfront property. He went snorkeling and diving on our boat with his family and we felt that he had a nice family and was sincere. After a while I shared some of our families information regarding investments that had been made. Jim Marks was very interested and wanted to see all the waterfront and residential properties my family had invested in, he also brought out investors to see what we had, later we found out that the investors were his own relatives (Barry Silber the lawyer / hard money lender with LINEAR CAPITIAL of Tampa ). Was Silber directing Marks? Was Marks the front man for either Silber or Linear?

    The investor Barry Silber came to our home invited by Marks and talk about a long term Joint Venture and wanted to know if any of my friends had good deals on waterfront properties, I fell for all of it like a sucker and provide what they needed, Silber disappears for a long time but some how comes back as the hard money lender but we did not know that he was Marks relative. Marks is now telling us that we can get any loan from anyone except Silber. I think this is against the law because marks was steering us right into the hands of his relative, Did marks get kickbacks or other profits? Marks got 50% of the corp and many fees after flipping our loans. We shall See about that later during discovery.

    I believe that Marks only assisted Barry Silber as a front man who looked for the elderly who had good equity but had problems with a foreclosure. Did Marks and Silber work as a team and structured a deal putting everything into the [deal?] that we already owned, We now believe that everything in the scam was planned from day one Marks even created a corporation for our family. We had no idea what Marks was doing with the company and can only guess that as a JV partner Marks took 50% and gave us 50%, Marks took complete control of everything, sold many lots we had, used the money for other purchases, took out loans without approval from our family. Were Marks and Silber having regular meeting on how to extract more from our family?

    Our family was about to sell three of our waterfront lots and an investment home, that would have brought in aprox $300.000.00. Jim Marks said don’t do it, put it in the JV and we will do much better later with him in control. So we trusted Marks with everything including the check book. We thought he was our friend and would managed and protect us but boy were we dead wrong.

    WAS AMANDA SIGLER INVOLVED? Was Amanda Sigler (a local real estate agent) feeding Jim Marks our personal information as she to befriended our family? Did she assist in taking personal property from an investment property without due process. The plan may have been set up from the very beginning to get control of everything we had. How much did Amanda gain? It is clear now that because we were elderly and easily conned and we had a big target on our backs called equity. We were steered by Mr Marks right into what I now believe was nothing more than family of Predatory Lenders.

    They tricked me and my family by saying that they could rescue us from a foreclosure but all we got was more flipped loans, prepayment penalties, fees, and high interest rates. All designed to extract equity and get control of our lives. They eventually forced us into a foreclosures, but always stood by with another big loan with additional high cost in order to get them to stop their foreclosures. I think Barry had clauses in the loan agreement that took huge attorney fees if he had to foreclose. He foreclosed and we paid him, stripping more equity from our land. We were trapped.

    SETTING THE TRAP: We were forced to meet after hours at their LINEAR CAPITIAL offices in TAMPA to sign more rushed document that we did not really understand. Was this a typical BAIT AND SWITCH? or was the intent to just beat us down? I am very sure that they did not want others to see what they were doing so they had to get us in after hours. (e.s.) We had many questions as documents are being brought to us for signing but Jim Marks was always standing right by our side saying don’t worry I got your back and would never let you sign anything that would hurt you or your family. Document were changed for hours by the lawyer/ lender Barry Silber as he re-did document, was this the bait and switch? We were taken out of the room several times and were brought back in when new doc were ready for us to sign. Please note that these two men owned one or more of the Title Company, The Real Estate Company, The Mortgage company and we thought they were the attorneys for everything including the corporation that was created for us.

    We did not want to sign anything but we were up against the wall and the mortgages that they gave us were all due again. They took a years worth of payments up front that night and paid themselves many fees. Now we had a new giant mortgage on our home that was due in one year it also had a rider that would take away all our rights to the JV that controlled all our Families properties if we didn’t’ pay them back over $500.000.00 within that one year.

    We told Marks that we can’t pay this loan back and he said don’t worry we will sell something in the JV to pay this off or refinance you or the corporation at better rates. We believed that the lawyer Silber would protect our family but we were dead wrong about that too. We now know that the lawyer involved was Mr Mark’s distant relative by marriage who stood to gain a great deal of money if we failed. I believe that this man Barry Silber should be disbarred and put in jail. We were set up to fail because after many months of Jim Marks infiltration into our family, they knew everything about us and our family and knew we had good equity to take.

    SILBERS ETHICAL DUTY: It was Silber duty to not let this kind of thing to happen to anyone but was he after our land and equity as was Mr Marks from the very beginning? Barry Silber was also part of the company that gave us one or more of the mortgages. Before that year was up Barry Silber started foreclosure on our home and then said that they could not lend any more money. They got control of the land and the corporation (RSI LLC) via the attached default to our mortgage and started to sell everything. All our future income was now in their hands. What is astounding is that our Mortgage on our home is now over $ 1 million dollars. They sold several of our residential properties and took most of the cash without our permission. How did this happen and when will they be prosecuted?

    THE SUCKERS: How did we allow some one to take all our families properties? First: We allowed Jim Marks in because he had all the answers to many problems we had and he was saving us from a foreclosure. We eventually trusted Jim Marks completely as a friend and business partner. But now we see that he was clearly working his way into our family and eventually found out every aspect of our assets and liabilities so that he could make his move and set the trap. Second: We were not very smart with our finances. Third: We were not smart enough to see the scam because we were blinded by his promises and trusted him because he said he could handle everything properly.

    Now we see that they were all very smart men and we were conned over and over again into trusting a family of hard money predatory lenders who had one motivation and that was to milk us of all our equity by what ever means possible. We all feel very bad because we let this happen to our families holdings. We believe that state and federal laws have been broken AND WE HAVE BEEN IN CONTACT WITH EVERY AGENCY POSSIBLE Including our Governor SEEKING JUSTICE. FROM LOCAL LAW ENFORCEMENT TO THE UNITED STATES ATTORNEY GENERAL AND EVERYTHING IN BETWEEN. WE ARE ALSO FILING COMPLANTES WITH THE FLA BAR AND OTHER AGENCYS THAT CONTROL THE LIC OF THESE MEN IN THE HOPE THAT JUSTICE WILL BE SERVED. Law enforcement and media take notice…We would like others to give their own story about these people or like kind cases.

    The KILL SHOT: This was the last statement from Mr Marks, He strongly advised us that we should quick claim our home to his wife’s relatives to avoid another foreclosure. So Don’t ever fall for someone trying to rescue you with a hand of friendship. Report Predatory lenders and Mortgage fraud abuse to everyone. Expose these people when found.
    Put them in jail if crimes have been committed I can tell all of you that this web site has helped in several ways. Keep it going

    Click Here to read other Ripoff Reports on America s

    In a message dated 2009-12-19 11:52 Eastern Standard Time, nelson.kirkland@theledger.com writes:

    The News Chief & www.newschief.com
    455 6th Street
    Winter Haven, Fla. 33881

    — Ray Shelton · 2009-12-23 08:59 · #

  93. Dear Public,
    Can you help us expose these companies and their principles? I am reaching 60 yrs old this Febuary with 4 young kids still at home, we could use some help and possibly prevent them from ever doing this again to anyone. Sincerely, Ray and Dorothy Shelton

    Re: Linear Capital, America’s Mortgage Broker’s Llc, Dale group
    324 North Dale Mabry Hwy
    Tampa Florida 333609
    United States of America
    Phone: 813-289-0154
    Web Address:

    Category: Attorney Generals Predatory lenders?

    COMPLAINTS FILED IN HILLSBOROUGH COUNTY, FLORIDA CIVIL DIVISION CASE # 09 13757

    PART OF COUNT II & COUNT III

    CRIMINAL USURY,

    CIVIL CONSPIRACY,

    ILLEGAL LOANS, MISAPPROPRIATED ASSETS, ETC ETC.

    UNATHORIZED REAL ESTATE PURCHASES AND SALES,

    ESTIMATES BY CONSPRIATORS IS 4.5 MILLION.

    WAITING FOR RESPONCE FROM SEVERAL

    STATE AND FEDERAL LAW ENFORCMENT AGENCYS

    NEW COMPAINTS COMING AGAINST MORE PARTIES INVOLVED.
    Amanda Sigler Realty of Dunnellon Florida
    How was this woman involved? How much did she gain?

    Predatory lenders or Rescue Scamers?

    Barry Silber, Jim Marks, Suzanne Marks.

    Linear Capital, America’s Mortgage Brokers LLC.

    Affordable Home Funding, The title Team

    Dale Group of Tampa Fl

    Amanda Sigler Realty, Dunnellon Fl

    324 N. Dale Mabry Hwy
    Tampa Florida 33609
    United States of America
    Phone: 813 514 6200
    Web Address:

    Category: Was this ORGANIZED CRIME?

    NEWS MEDIA TAKE NOTICEHELP US EXPOSE HOW WE WERE CONNED BY A FAMILY OF PREDATORY LENDERS OUT OF TAMPA FLORIDA

    To Whom it may concern, It is our hope that someone will investigate and expose these people and their companies. We have filed a lawsuit ( case # 09 13757 division H ) in circuit court Hillsborogh County, Florida. against some of them for Usury and other issues. My attorney thinks they might have violated some RICO statutes if they got more then 45% interest. I think its could be as high as 300%. Please read or story and help us stop them from ever doing this again.

    Category: Predatory Lending Bait-and-Switch Equity Stripping, flipping, Steering, Rescue Scamers

    Why Should you Read this story and avoid these PEOPLE and their companies?

    Re: Barry Silber, Jim Marks, Suzanne Marks, Amanda Sigler

    Here is a comment worthy of note which I found trolling the comments on my blog: Remember if you are dealing with an unscrupulous licensed professional (attorney, mortgage broker, etc.) you can file a grievance with the licensing agency who will investigate, prosecute if necessary, and possibly require restitution.
    Comment: [Editor’s Note: If con men looked like crooks they wouldn’t’ get anywhere. They always ingratiate themselves and seem like good people interested in helping. They intentionally do not appear to be much different from legitimate lawyers, auditors, debt counseling etc. A
    Warning to others having Mortgage problems:

    Our family was having some problems with our mortgage, we got behind and were facing a potential foreclosure. We got a lot of the typical rescue mailers telling us that we had the plenty of equity and not to worry. We knew this and we only needed 20 to 50 thousand dollars to bring the loan current. Plus we knew that our family would loan us the money if we needed it, they would sell just one property that would pay off part of our loan at any time. That seemed simple enough,

    NOW LET THE BARRY SILBER, JIM MARKS NIGHTMARE BEGIN…

    We were approached by a kind broker / lender named Jim Marks out of Tampa Florida who said he could rescue us from a foreclosure and the rates would be very low because we had so much equity in our waterfront home. He said he could find us plenty of money. We were very clear to him that we did not have the income to do any major loan an we only needed a small amount.

    THE SCAM: Seeing that we had a lot of equity, Marks gained our trust via some acts of kindness and eventually befriends our family, He showed great concern for our financial problem and found various ways to come to our home. He had lunch many times in our home and invited me out to lunch as his guest many times. He also worked his way into using our boats and waterfront property. He went snorkeling and diving on our boat with his family and we felt that he had a nice family and was sincere. After a while I shared some of our families information regarding investments that had been made. Jim Marks was very interested and wanted to see all the waterfront and residential properties my family had invested in, he also brought out investors to see what we had, later we found out that the investors were his own relatives (Barry Silber the lawyer / hard money lender with LINEAR CAPITIAL of Tampa ). Was Silber directing Marks? Was Marks the front man for either Silber or Linear?

    The investor Barry Silber came to our home invited by Marks and talk about a long term Joint Venture and wanted to know if any of my friends had good deals on waterfront properties, I fell for all of it like a sucker and provide what they needed, Silber disappears for a long time but some how comes back as the hard money lender but we did not know that he was Marks relative. Marks is now telling us that we can get any loan from anyone except Silber. I think this is against the law because marks was steering us right into the hands of his relative, Did marks get kickbacks or other profits? Marks got 50% of the corp and many fees after flipping our loans. We shall See about that later during discovery.

    I believe that Marks only assisted Barry Silber as a front man who looked for the elderly who had good equity but had problems with a foreclosure. Did Marks and Silber work as a team and structured a deal putting everything into the [deal?] that we already owned, We now believe that everything in the scam was planned from day one Marks even created a corporation for our family. We had no idea what Marks was doing with the company and can only guess that as a JV partner Marks took 50% and gave us 50%, Marks took complete control of everything, sold many lots we had, used the money for other purchases, took out loans without approval from our family. Were Marks and Silber having regular meeting on how to extract more from our family?

    Our family was about to sell three of our waterfront lots and an investment home, that would have brought in aprox $300.000.00. Jim Marks said don’t do it, put it in the JV and we will do much better later with him in control. So we trusted Marks with everything including the check book. We thought he was our friend and would managed and protect us but boy were we dead wrong.

    HOW WAS AMANDA SIGLER INVOLVED? Was Amanda Sigler (a local real estate agent) feeding Jim Marks our personal information as she to befriended our family? Did she assist in taking personal property from an investment property without due process. The plan may have been set up from the very beginning to get control of everything we had. How much did Amanda gain? It is clear now that because we were elderly and easily conned, we had a big target on our backs called equity. We were steered by Mr Marks right into what I now believe was nothing more than family of Predatory Lenders.

    They tricked me and my family by saying that they could rescue us from a foreclosure but all we got was more flipped loans, prepayment penalties, fees, and high interest rates. All designed to extract equity and get control of our lives. They eventually forced us into a foreclosures, but always stood by with another big loan with additional high cost in order to get them to stop their foreclosures. I think Barry had clauses in the loan agreement that took huge attorney fees if he had to foreclose. He foreclosed and we paid him, stripping more equity from our land. We were trapped.

    SETTING THE TRAP: We were forced to meet after hours at their LINEAR CAPITIAL offices in TAMPA to sign more rushed document that we did not really understand. Was this a typical BAIT AND SWITCH? or was the intent to just beat us down? I am very sure that they did not want others to see what they were doing so they had to get us in after hours. (e.s.) We had many questions as documents are being brought to us for signing but Jim Marks was always standing right by our side saying don’t worry I got your back and would never let you sign anything that would hurt you or your family. Document were changed for hours by the lawyer/ lender Barry Silber as he re-did document, was this the bait and switch? We were taken out of the room several times and were brought back in when new doc were ready for us to sign. Please note that these two men owned one or more of the Title Company, The Real Estate Company, The Mortgage company and we thought they were the attorneys for everything including the corporation that was created for us.

    We did not want to sign anything but we were up against the wall and the mortgages that they gave us were all due again. They took a years worth of payments up front that night and paid themselves many fees. Now we had a new giant mortgage on our home that was due in one year it also had a rider that would take away all our rights to the JV that controlled all our Families properties if we didn’t’ pay them back over $500.000.00 within that one year.

    We told Marks that we can’t pay this loan back and he said don’t worry we will sell something in the JV to pay this off or refinance you or the corporation at better rates. We believed that the lawyer Silber would protect our family but we were dead wrong about that too. We now know that the lawyer involved was Mr Mark’s distant relative by marriage who stood to gain a great deal of money if we failed. I believe that this man Barry Silber should be disbarred and put in jail. We were set up to fail because after many months of Jim Marks infiltration into our family, they knew everything about us and our family and knew we had good equity to take.

    SILBERS ETHICAL DUTY: It was Silber duty to not let this kind of thing to happen to anyone but was he after our land and equity as was Mr Marks from the very beginning? Barry Silber was also part of the company that gave us one or more of the mortgages. Before that year was up Barry Silber started foreclosure on our home and then said that they could not lend any more money. They got control of the land and the corporation (RSI LLC) via the attached default to our mortgage and started to sell everything. All our future income was now in their hands. What is astounding is that our Mortgage on our home is now over $ 1 million dollars. They sold several of our residential properties and took most of the cash without our permission. How did this happen and when will they be prosecuted?

    THE SUCKERS: How did we allow some one to take all our families properties? First: We allowed Jim Marks in because he had all the answers to many problems we had and he was saving us from a foreclosure. We eventually trusted Jim Marks completely as a friend and business partner. But now we see that he was clearly working his way into our family and eventually found out every aspect of our assets and liabilities so that he could make his move and set the trap. Second: We were not very smart with our finances. Third: We were not smart enough to see the scam because we were blinded by his promises and trusted him because he said he could handle everything properly.

    Now we see that they were all very smart men and we were conned over and over again into trusting a family of hard money predatory lenders who had one motivation and that was to milk us of all our equity by what ever means possible. We all feel very bad because we let this happen to our families holdings. We believe that state and federal laws have been broken AND WE HAVE BEEN IN CONTACT WITH EVERY AGENCY POSSIBLE Including our Governor SEEKING JUSTICE. FROM LOCAL LAW ENFORCEMENT TO THE UNITED STATES ATTORNEY GENERAL AND EVERYTHING IN BETWEEN. WE ARE ALSO FILING COMPLANTES WITH THE FLA BAR AND OTHER AGENCYS THAT CONTROL THE LIC OF THESE MEN IN THE HOPE THAT JUSTICE WILL BE SERVED. Law enforcement and media take notice…We would like others to give their own story about these people or like kind cases.

    The KILL SHOT: This was the last statement from Mr Marks, He strongly advised us that we should quick claim our home to his wife’s relatives to avoid another foreclosure. So Don’t ever fall for someone trying to rescue you with a hand of friendship. Report Predatory lenders and Mortgage fraud abuse to everyone. Expose these people when found.
    Put them in jail if crimes have been committed I can tell all of you that this web site has helped in several ways. Keep it going

    — Ray Shelton · 2010-01-03 10:34 · #

  94. Predatory lenders find new more complex ways to extract equity from the elderly. Please read our story

    See RIPOFF REPORT for full story
    Re: Linear Capital, Barry Silber
    America’s Mortgage Broker’s LLC, Jim Marks
    Dale Group, Suzanne Marks of Tampa Florida
    Amanda Sigler Realty of Dunnellon, Florida

    COMPLAINTS FILED IN HILLSBOROUGH COUNTY, FLORIDA CIVIL DIVISION CASE # 09 13757

    PART OF COUNT I, II & III

    CRIMINAL USURY,

    CIVIL CONSPIRACY,

    ILLEGAL LOANS, MISAPPROPRIATED ASSETS, ETC ETC.

    UNATHORIZED REAL ESTATE PURCHASES AND SALES,

    ESTIMATES BY CONSPRIATORS own statement is 4.5 MILLION.

    WAITING FOR RESPONCE FROM SEVERAL

    STATE AND FEDERAL LAW ENFORCMENT AGENCYS

    NEW COMPAINTS COMING AGAINST MORE PARTIES INVOLVED.

    Predatory lenders or Rescue Scamers?

    Barry Silber, Jim Marks, Suzanne Marks.
    Linear Capital, America’s Mortgage Brokers LLC.
    Affordable Home Funding, The title Team
    Dale Group of Tampa Fl
    Amanda Sigler Realty, Dunnellon Fl
    324 N. Dale Mabry Hwy
    Tampa Florida 33609
    United States of America
    Phone: 813 514 6200
    Web Address:

    Category: Was this ORGANIZED CRIME?

    NEWS MEDIA TAKE NOTICEHELP US EXPOSE HOW WE WERE CONNED BY A FAMILY OF PREDATORY LENDERS OUT OF TAMPA FLORIDA
    To Whom it may concern, It is our hope that Law Enforcement and you the media will investigate and expose these people and their companies. they have found a complex way to legally steal from the elderly, if they don’t do something about this scam. Why is law enforcement saying it not our area or we don’t have the budget right now? Why are they telling the public that they are going after predatory lenders when many home owners are in big trouble and losing everything. We have been forced to file a civil case when I believe it should be a criminal case. ( case # 09 13757 division H ) in circuit court Hillsborogh County, Florida. We are now asking our Florida Govenor and the President to take action. My attorney thinks they have violated some state and federal statutes if they got more then 45% interest. I think its could be as high as 300%. Please read or story and help us stop them from ever doing this again.

    Category: Predatory Lending Bait-and-Switch Equity Stripping. Flipping, Steering, Rescue Scamers?

    Why Should you Read this story and avoid these PEOPLE and their companies?

    Re: Barry Silber, Jim Marks, Suzanne Marks, Amanda Sigler

    — Ray Shelton · 2010-01-23 07:57 · #

  95. WARNING WARNING WARNING;RE: Suzanne Marks Jim Marks Barry Silber, Amanda Sigler AKA Dale Group: America’s Mortgage Brokers or AMB LLc. Or Linear Capital or Amanda Sigler realty in Dunnellon Florida: Be very careful when considering advise or borrowing money from Attorney hard money lender Barry Silber from Linear Capitial or, Jim or Suzanne Marks His relatives from AMB or Amanda Sigler Realty from Dunnellon Florida. These people may go down hard if state and federal law enforcement agencies take action. These people may have found a new more creative but very complex way to take homes and property from the elderly. Predatory Lenders??? Have a related story to tell? Want to join a sindicated TV documentary exposing Predatory lenders? Contact attorney Mike Wasylic in Dade City ASAP.
    Rescue Scamers??? See RIPOFF REPORT on these companies or personal names for full story
    Case file in Hillsborought county.
    Parts of Count I, II, & III
    Civil Connspiracy,
    Criminal Usuary etc. see case in Hillsborough County # 09 13757
    Law Enforcement & Media take notice

    — Ray Shelton · 2010-01-25 16:34 · #

  96. Just thought all should no that Paramout Mortgage Funding out of Saint Michael, Mn has and will continue to sign documents for their clients. I have witnessed the manager Erich Heitman do this on two different occasions with the reason that “my clients won’t care, we need to get this loan done”. Then the owner Grant Darling had a booth at the home and gardening show. He would get people to come to the booth by having them sign up to win a free cruise and promised not to contact for mortgage consultation. Sounds good right? Wrong, he never gave away the free cruise and only soliceted these people too many times. It seems like all mortgage companies out of Saint Michael are cons? Paramount also hires people, puts them on w2’s but refuses to pay an hourly salary!!! They are bullshit and Grant Darling will eventually catch up with his past! I gaurentee I will see u around.

    — anonymous · 2010-02-26 18:50 · #

  97. I have not been on here in forever since I knew the Reese family in the 90’s and early 2000. I am reading what Jared Reese wrote and I know for a fact from his sister and others that he went to jail for Domestic Assult. Wonder if it was on his kid?? I was around the family Several Several times and I think Jared is way off base. I guess he doesnt remember correctly How Paul was and that he just let him do whatever. Shows Pauls character very well. He was always consumed in himself ro ever notice anything. Jared had an anger problem and his own mother needed him to move out due to threats. I think the made up stuff about Carrie is hilarious because if you knew her, you would see exactly who she is, sucessful and NO BAD OR POLICE RECORDS that I know of. Jeared use this web site not to be so angry at her and swear and threaten but maybe learn what your life is like with a father like you have. I heard he has found GOD but was in another country and scammed them as well while he took there money. WTH??? So as you all should see but the verbal slander that it is factful who actually has the anger problem and clouded judgement of things that are made up!!! Really Jared, get a grip and STOP!!!!!!!!! YOU SCARE PEOPLE>

    — Scared · 2012-08-24 14:41 · #

  98. I DO NOT WANT THIS POSTED! I DO NOT KNOW HOW TO GET A HOLD OF THE CREATOR THAT APPROVES THIS BUT, THIS IS A WRITTEN REQUEST TO REMOVE ANY AND ALL POSTS, MENTIONS IN POSTS AND MY NAME OUT OF THIS WEB PAGE. IT HAS GOTTEN SO BAD! THIS IS MEANT FOR INFORMATION, NOT LIES AND MISREPESENTATION! PER MY ATTORNEY, THIS IS MY OFFICIAL REQUEST.

    THANK YOU!!

    CARRIE ENGLE

    — Carrie · 2013-01-24 13:18 · #

  99. Hello, Carrie! Since you submitted it as a comment, and it’s not spam, it’s posted.

    I have no intention of deleting comments which are not spam; if you want people to not say these things, you’ll have to take them up with the individual posters. I just approve comments which aren’t spam.

    seebs · 2013-01-25 18:18 · #

  100. Thanks for the response. I only posted one comment. If you only approve comments, then why would you let posts go as far as they have. I don’t apppreciate the lies, swearing and the downgrade of my character and morals. That is not what this is for. Story telling about me?? This is a final request to remove derrogatory post in regards to me. This site is not about me and I did not give you are the person posting permission the use my name except what I personally write. I have consultedi hope that an attorney and I really don’ t want to go that route, but he is confident I would win. Its not a lot to ask and I hope your moral values do the right thing. This is your website that gives good info but not to demoralize one who it isn’t about. I would hate to see this wesite gone:-(

    — carrie engle · 2013-02-01 23:13 · #

  101. I don’t moderate for tone, I don’t moderate for content, I just approve comments which aren’t spam. I do not endorse the content of the comments, I do not testify to their truth; all I say by approving a comment is that I don’t think it’s spam.

    I have no idea whether you are the same person as either of the previous two posters who claimed to be “CARRIE ENGLE” or “carrie engle”. I have no idea who “carrie engle” is. I also don’t care. If the comment doesn’t seem to be spam, I approve it.

    If you think there’s a need for legal action, go right ahead and have your lawyer contact me, or better yet, have him contact my attorney directly. I find the implied threat frankly hilarious. Believe me, if comments by random people on the Internet insulting someone were enough to get web sites taken down, there wouldn’t be any web sites left.

    While I am not an attorney, and cannot give legal advice, my general feeling is that if an attorney told me he was “confident” he would win a defamation case, I would go find another attorney.

    My moral values say that the right thing is not to mess with a simple policy of complete disinterest in the content of comments; I post whatever shows up unless it’s spam. If I were to start making editorial decisions, then I would be implying that I had considered the truth or falsehood of comments, and since I don’t have the time to do that competently, I would rather not create such a misleading impression.

    seebs · 2013-02-02 03:18 · #

  102. If this is not just a cartoony internet legal threat, you can have counsel contact me.

    sta · 2013-02-02 21:36 · #

  103. watch out for Daniel rand wenstrom now living in Randolph,mn formerly living in dundas. Very shady and creepy man who owes millions and will never pay it back. He has several business alias’s and shouldn’t be trusted for anything

    — brent larsen · 2013-09-20 14:53 · #

  104. What ever happened to Paul Reese

    — Jim · 2016-04-11 11:27 · #

  105. I know own chubbys roller grill I’ll see u there
    Jim K

    Jim K · 2016-05-12 21:40 · #

 
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