62 Comments

1. 311 Barden Bloomfield Hills
   1645 Lochridge Bloomflield Twp
   5454 St. Elizabeth Independance Twp.
   1077 Floyd Birmingham
   1550 Kickway Bloomfield Twp.
   5105 Franklin Bloomfield
   5190 Clardon Bloomfield Twp.
   2945 Turtle Pond Bloomfield Twp.
   1890 Heron Ridge Bloomfield Twp.

   Much more to come.

   Comment by Michael Teaney — August 17, 2006 @ 7:46 am

2. Your search GOOGLE - “Felon Tracking Association” - did not match any documents.

   “Felon Tracking Association” SENT ME VA EMAIL OR CALL ME

   ralphroberts@ralphroberts.com or 586-751-0000

   Comment by RALPH R ROBERTS — October 2, 2006 @ 11:49 pm

3. I saw my name in your article. I was not involved, found guilty of, or any aspect involving mortgage fraud, or anything to do with the mortgage industry.

   I pled guilty to a bad check. It was a civil matter turned bad. It had nothing to do with the mortgage industry. Please correct this information, or better yet, remove me form this article.

   Comment by Robert Troub — October 30, 2006 @ 4:57 pm

4. Mortage Fraud Presentation

   Ralph,

   First let me thank you again for taking time to share with our coned class your expertise on mortgage fraud. I also appreciate your willingness and genuineness in sharing about your own personal struggles, it is an encouragement for others to see someone so positive.

   Second you mentioned being willing to e-mail a power point presention. I would be very interseted in recieving this, so please at your convience if you could attach it as a reply to this e-mail. Thank you.

   Remember God has a plan for you, we just have to be obedient, and willing to listen to His small quite vioce. My prayers are with you and your family.

   David Felts

   Comment by David Felts — October 31, 2006 @ 8:13 am

5. Robert:

   Thank you for leaving a comment here on the Flipping Frenzy blog. However, with respect to wrote, it looks like the story’s correct (please see below). If in fact the State of Michigan changes its opnion, let me know and I’ll make a new posting reflecting the change of status.

   STATE OF MICHIGAN DEPARTMENT OF LABOR & ECONOMIC GROWTH OFFICE OF FINANCIAL AND INSURANCE SERVICES

   ORDER OF PROHIBITION WHEREAS, the Commissioner of the Office of Financial and Insurance Services(”Commissioner”) is statutorily charged with the responsibility and authority to administer andimplement the Mortgage Brokers, Lenders, and Servicers Licensing Act (”Act”), 1987 PA 173,as amended, MCL 445.1651 et seq., pursuant to provisions therein; and,

   WHEREAS, Section 18a(8)of the Act provides for the prohibition of a person convictedof a felony involving fraud, dishonesty, or breach of trust, frombeing a licensee or registrant andfrom being employed by, an agent of, or control person of any licensee or registrant under theAct or a licensee or registrant under a financial licensing act; and,

   WHEREAS, Section 18a(8)of the Act provides that a person subject to an Order issuedthereunder, may apply to the commissioner to terminate the Order after 5 years from the date ofthe Order; and,

   WHEREAS, pursuant to Section 18b(2) of the Act, Respondent may have a right tojudicial review of this Order; and,

   Order of Prohibition Agency No. 06-526-MB Enforcement Case No. 06-3982

   WHEREAS, Respondent was employed as a loan originator by a mortgage company licensed by the Office of Financial and Insurance Services; and,

   WHEREAS, on September 23, 2005, Respondent was convicted of a felony in violationof MCL 750.249 in the State of Michigan, 56th Judicial Circuit, Eaton County (CASE NO. 05-020422-FH-O). Namely, Respondent was convicted of uttering and publishing; and,

   WHEREAS, that conviction having involved fraud, dishonesty, or breach of trust,Respondent is subject to Prohibition by the Office of Financial and Insurance Services, pursuantto MCL 445.1668a(8); and,

   WHEREAS, the Commissioner finds and concludes as a matter of law and fact thatRespondent shall be and is eligible and subject to Prohibition by the Office of Financial andInsurance Services, pursuant to MCL 445.1668a(8);

   NOW THEREFORE,IT IS ORDERED that:

   1. Robert Clyde Troub is prohibited from being employed by, an agent of, orcontrol person of a licensee or registrant under the Mortgage Brokers, Lenders, and ServicersLicensing Act (”MBLSLA”), 1987PA 173,as amended, MCL 445.1651 et seq., or a licensee orregistrant under a financial licensing act.

   2. This Order shall be and is effective on the date it is issued and entered, asshown in the caption hereof. This Order shall remain in effect until terminated, modified, or setaside, in writing by the Commissioner.

   OFFICE OF FINANCIAL AND Chief Deputy Commissioner

   Comment by RALPH R ROBERTS — October 31, 2006 @ 8:29 am

6. Chad E Willis the owner of MortgageHighway.com is now in Cabo San Lucas Mexico ripping people off with Real Estate Scams. He has stolen money from several investors in the states for the supposed purchase of property at Villa La Estancia. He is also operating a website called livingcabo.com. Local business owners in Los Cabos:” beware of this man and make sure you do your due dilegence before you hand him any money.” He currently has escaped his probation in the US and is wanted by the state of Michigan (for more info click on the following links)
   http://www.michigan.gov/cis/0,1607,7-154-10555-149046–,00.html

   http://www.mortgagefraudblog.com/index.php/weblog/comments/1467/

   Comment by Anonymous — November 14, 2006 @ 5:50 pm

7. In with the information regarding Robert Troub, I have worked with this man and completely agree with the states ruling, and am sure that the mortgage industry is better off having barred him from it. I do understand however that he is currently employed by Delmar Financial, a mortgage company out of Charlotte Michigan. If that is the case then isn’t that a violation of the ruling? call and find out, he is a manager there.

   Comment by mark younger — January 18, 2007 @ 5:26 pm

8. re: the comment by “Mark Younger” I have never worked with Mark Younger, and do not know who this is. I do believe that this person is using an alias, and lives his days trying to foul up my life.
   Mark- I am not a manager with Delmar Financial. I work as an independant sales consultant.
   I feel very strongly that the State is very wrong here. I agree that if someone has or continues to commit mortgage fraud, they should be banned from the industry. There are probably dozens of people working in the Mortgage Industry with felony convictions. But the OFIB does not know, unless someone rats them out, as you have done to me.
   Is it unfair? Sure, but I have adjusted. I have appealed my prohibition. But you have to move on.

   Comment by Robert Troub — February 1, 2007 @ 11:38 am

9. In regards to Mr. Troubs posting that he is not a manager, then why has he emailed me telling me that he now has his own net branch with Delmar, and that he closed 3 deals that OOMC turned down because of his record somewhere else. I have his emails to prove this.

   Comment by mark younger — April 10, 2007 @ 4:46 pm

10. Mark,
    I do enjoy seeing you frustrated. I do not work for Delmar, I do not have a net branch, and I am not involved in the mortgage industry. Is there anything else that you would like to discuss?

    Comment by Robert Troub — April 10, 2007 @ 5:48 pm

11. how is life now Bobby boy. You are in soooo deep

    Comment by mark younger — April 30, 2007 @ 5:26 pm

12. A resident of Dearborn pleaded guilty today to one count of wire fraud in connection with a scheme to defraud mortgage lenders out of over $20 million, United States Attorney Stephen J. Murphy announced. Joining in the announcement was Andrew G. Arena, Special Agent in Charge of the Detroit Division of the Federal Bureau of Investigation.

    Entering the guilty plea before U.S. District Judge David M. Lawson was Kalil Khalil, 36. At the hearing, Khalil admitted that during a 22-year period beginning in January 2001, he prepared fraudulent loan applications and related documents that were submitted to mortgage lenders. Each of the loan packages submitted to a mortgage lender was fraudulent in one or more of the following ways: the purpose of the loan was not to buy or refinance a residence; the borrower described on the application was not the true borrower; the description of the borrower’s employment was false; documents purporting to substantiate the borrower’s employment (W-2 Forms, check stubs) were bogus; the appraisal was inflated and forged; title to the property was not free and clear, and the title company purporting to guarantee clear title (Taylor Title, Downriver Title, or Tri-County Title) was merely a name used by Khalil and an associate, Tariq Hamad, to carry out the scheme; and photographs were included that depicted a property other than the property identified in the loan application.

    Many of the fraudulent loan packages were approved and the loan proceeds were wired from the mortgage lenders, which were located outside of the State of Michigan, to bank accounts controlled by Khalil and Hamad that were located in metropolitan Detroit in the names of the straw title companies. Khalil and Hamad used most of the fraud proceeds to buy and sell stocks as daytraders.

    United States Attorney Murphy said, “This type of outrageous fabrication of basic loan documents caused over $ 20 million in losses. Mortgage fraud costs lenders millions and undermines the credibility of the entire market, hurting especially first-time entrants into the market who will find it much harder to get loans to support their aspirations for home ownership. The FBI deserves kudos for pursuing this kind of significant fraud.”

    Under his plea agreement with the government, Khalil faces up to 108 months’ imprisonment and $250,000 in fines and could be ordered to pay $12.7 million in restitution to the lenders. He also agreed to forfeit his interests in several bank and securities accounts. Khalil is scheduled to be sentenced by Judge Lawson on August 20.

    Tariq Hamad pleaded guilty before Judge Lawson to the same wire fraud scheme on December 19, 2006. Under his plea agreement with the government, Hamad faces up to 135 months’ imprisonment and $250,000 in fines and could be ordered to pay $15.5 million in restitution to the lenders. He also agreed to forfeit his interests in seven bank and securities accounts. Hamad is scheduled to be sentenced by Judge Lawson on May 15.

    The total loss to the mortgage lenders resulting from Khalil’s and Hamad’s criminal conduct is $21.7 million.

    The investigation, still ongoing, has been conducted by the FBI. The case is being prosecuted by Assistant U.S. Attorneys Stephen Hiyama and Julie Beck.

    Comment by RALPH R ROBERTS — May 10, 2007 @ 10:34 pm

13. Department of Justice Seal with Bald Eagle U.S. Department of Justice
    Stephen J. Murphy United States Attorney Eastern District of Michigan
    Suite 2001 211 West Fort Street Detroit, Michigan 48226-3277 Fax: (313) 226-3561
    For Immediate Release: Contact: Gina Balaya (313) 226-9193 Stephen Moore - IRS (313) 234-2410
    Aug 17, 2006
    EVENT: Guilty Pleas Defendant: Sadek Berro et al SEVENTEEN PLEAD GUILTY IN FRAUD SCHEME
    The last of seventeen defendants indicted in a large-scale scheme to defraud numerous credit card companies, banks, mortgage lenders and the bankruptcy court pled guilty today in federal court, United States Attorney Stephen J. Murphy announced today.
    U.S. Attorney Murphy was joined in the announcement by Special Agent in Charge Daniel D. Roberts, Federal Bureau of Investigation, Detroit Division and Special Agent in Charge Maurice Aouate of the Internal Revenue Service.
    Mr. Murphy said: “From credit card ‘bust-outs,’ to mortgage fraud and bankruptcy fraud, the kinds of corrupt dealings engaged in by these defendants will not be tolerated. This conviction puts an end to a wide-ranging, robust and multifaceted fraud ring. It is a tribute to the tireless efforts of the FBI and the IRS that we have been able to successfully investigate and obtain convictions of all of the defendants involved in such a complex and varied scheme.”
    Between July 25, 2006 and today, the following individuals, all but the last two of
    Dearborn, MI, have entered pleas of guilty before U.S. District Judge John Corbett O’Meara:
    •
    Ali Abdul Karim Farhat, 42, Abdulamir Berro, 38, and Sadek Berro (also known as Sam Berro), 51, pled guilty to conspiracy to violate the Racketeer Influenced and Corrupt Organization Act (RICO) and under their plea agreements face up to 97 months imprisonment and a fine of up to $250,000.
    •
    Abdul Halim Berro, 41, Nassib Saadallah Berro, 61, and Bilal El-Sablani, 33, each pled guilty to conspiracy to commit bank and mail fraud and under their plea agreements face up to 41 months imprisonment and a fine of up to $250,000.
    •
    Sami Ahmad Berro, 53, pled guilty to conspiracy to commit bank and mail fraud and under his plea agreement faces up to 33 months imprisonment and a $250,000 fine.
    •
    Zeinab Berro, 43, pled guilty to conspiracy to commit bank and mail fraud and under her plea agreement faces up to 30 months imprisonment and a $250,000 fine.
    •
    Noura Berro, 49, also pled guilty to conspiracy to commit bank and mail fraud and under her plea agreement faces up to 14 months imprisonment and a $250,000 fine.
    •
    Salwa Nassib Berro, 41, pled guilty to conspiracy to commit bank and mail fraud and under her plea agreement faces up to 12 months imprisonment and a $250,000 fine.
    •
    Amira Farhat, 42, pled guilty to bank fraud and under her plea agreement faces up to 24 months imprisonment and a one million dollar fine.
    •
    Houda Mohamad Berro, 28, pled guilty to bank fraud and under her plea agreement faces up to 18 months imprisonment and a one million dollar fine.
    •
    Abdul Karim Akram Berro, 24, and Lina Reda (née Berro), 26, each pled guilty to false statements and under their plea agreements face up to 14 months imprisonment and a $250,000 fine.
    •
    Almire Ali-Sadek Berro, 26, pled guilty to bank fraud and under his plea agreement faces up to 16 months imprisonment and a one million dollar fine.
    •
    Akram Berro, 49, and Jamal Berro, 51, both of Taylor, MI, entered guilty pleas on July 25, 2006 to the charges in the Indictment, with no plea agreement. Six of the nine counts to which Akram Berro and Jamal Berro pleaded guilty carry a maximum sentence of 30 years imprisonment and a one million dollar fine. They also pleaded guilty to conspiracy to launder money, which carries a maximum sentence of 20 years and a $500,000 fine. The remaining counts of the indictment to which they pled guilty charge them with bankruptcy fraud and conspiracy to commit bank and mail fraud and carry a maximum sentence of 5 years imprisonment and a $250,000 fine. The court is also required to impose an order of restitution.
    All of the defendants may also be required to make full restitution to victims.
    According to documents filed in the case, from March 1999 through April 2004, the defendants defrauded numerous creditors and the bankruptcy court through a large-scale credit card “bust out” scheme. As part of the scheme, Ali Farhat and Abdulamir Berro, aided by Sadek Berro, used their companies to process over one million dollars in credit card transactions for other defendants in exchange for cash and discounted merchandise, knowing that payment would not be made for the charges. The credit card companies and banks transferred funds to Ali Farhat and Abdulamir Berro in the amount of the charges to the credit cards but ultimately never received payment from the defendant-credit card holders. The defendants maximized the value they could obtain from the credit cards by making charges on the cards, submitting non-sufficient funds checks to free up the available credit on the card, and then making additional charges on the cards before the card issuers became aware that the checks were worthless. The defendants then took steps to evade collection efforts by creditors by declaring bankruptcy so creditors could not attach assets or otherwise collect on amounts owed. Through their bankruptcy proceedings, the defendants sought to avoid payment of nearly three million dollars in debt. Defendants also concealed assets from the bankruptcy court; many of the defendants “sold” their homes to their wives or adult children, who made fraudulent statements to qualify for mortgage loans. Some of the defendants also engaged in financial transactions designed to conceal assets and funds from bankruptcy court
    and creditors. The defendants’ sentencings are scheduled in late November and December 2006. The investigation of this case has been conducted by the Federal Bureau of
    Investigation and the Internal Revenue Service. The case has been prosecuted by Assistant
    U.S. Attorneys Cathleen M. Corken and Barbara L. McQuade.

    Comment by RALPH R ROBERTS — May 10, 2007 @ 10:38 pm

14. To “Mark Younger”:
    Whatever bad blood you have with Robert Troub should stay between you him. It’s not very adult-like to carry on a converstation with someone by commenting on a website. Obviously you have a weird obsession with him; trying to take him down; I’m guessing down to your level. But come on. Give it up already. In the whole scheme of things, this is pretty petty. Unless he literally robbed you at gunpoint or tried to harm you, it seems like you are pouting like a little boy who got bullied out of some lunch money. Grow up.

    Comment by Concerned reader — May 15, 2007 @ 9:51 pm

15. A resident of Dearborn pleaded guilty today to one count of wire fraud in connection with a scheme to defraud mortgage lenders out of over $20 million, United States Attorney Stephen J. Murphy announced. Joining in the announcement was Andrew G. Arena, Special Agent in Charge of the Detroit Division of the Federal Bureau of Investigation.

    Entering the guilty plea before U.S. District Judge David M. Lawson was Kalil Khalil, 36. At the hearing, Khalil admitted that during a 22-year period beginning in January 2001, he prepared fraudulent loan applications and related documents that were submitted to mortgage lenders. Each of the loan packages submitted to a mortgage lender was fraudulent in one or more of the following ways: the purpose of the loan was not to buy or refinance a residence; the borrower described on the application was not the true borrower; the description of the borrower’s employment was false; documents purporting to substantiate the borrower’s employment (W-2 Forms, check stubs) were bogus; the appraisal was inflated and forged; title to the property was not free and clear, and the title company purporting to guarantee clear title (Taylor Title, Downriver Title, or Tri-County Title) was merely a name used by Khalil and an associate, Tariq Hamad, to carry out the scheme; and photographs were included that depicted a property other than the property identified in the loan application.

    Many of the fraudulent loan packages were approved and the loan proceeds were wired from the mortgage lenders, which were located outside of the State of Michigan, to bank accounts controlled by Khalil and Hamad that were located in metropolitan Detroit in the names of the straw title companies. Khalil and Hamad used most of the fraud proceeds to buy and sell stocks as daytraders.

    United States Attorney Murphy said, “This type of outrageous fabrication of basic loan documents caused over $ 20 million in losses. Mortgage fraud costs lenders millions and undermines the credibility of the entire market, hurting especially first-time entrants into the market who will find it much harder to get loans to support their aspirations for home ownership. The FBI deserves kudos for pursuing this kind of significant fraud.”

    Under his plea agreement with the government, Khalil faces up to 108 months’ imprisonment and $250,000 in fines and could be ordered to pay $12.7 million in restitution to the lenders. He also agreed to forfeit his interests in several bank and securities accounts. Khalil is scheduled to be sentenced by Judge Lawson on August 20.

    Tariq Hamad pleaded guilty before Judge Lawson to the same wire fraud scheme on December 19, 2006. Under his plea agreement with the government, Hamad faces up to 135 months’ imprisonment and $250,000 in fines and could be ordered to pay $15.5 million in restitution to the lenders. He also agreed to forfeit his interests in seven bank and securities accounts. Hamad is scheduled to be sentenced by Judge Lawson.

    The total loss to the mortgage lenders resulting from Khalil’s and Hamad’s criminal conduct is $21.7 million.

    The investigation, still ongoing, has been conducted by the FBI. The case is being prosecuted by Assistant U.S. Attorneys Stephen Hiyama and Julie Beck.

    Comment by Kalil Khalil — June 9, 2007 @ 9:31 pm

16. Visit the Michigan OFIS website - there are some additions to the prohibition list. And more to come!

    Comment by Concerned fighter — June 25, 2007 @ 11:06 am

17. I asked a question about Chad E. Willis last week and still haven’t heard a reply. He is living in a diffent city in Mexico now, and the locals are worried about his past in Michigan and Cabo San Lucas, Mexico. What can you tell me about his criminal record and convictions, as the link below the paragraph leads no where.

    Please respond, ASAP.
    Thank you,
    Michael

    Comment by Michael Jones — July 24, 2007 @ 10:58 pm

18. Michael,
    You can always go to MI’s Dept of Corrections website and look up anyone who has been in the system. Right now it looks like Mr. Willis has absconded from probation but all of his convictions are still listed on the tracker.

    Comment by Concerned fighter — August 1, 2007 @ 1:39 pm

19. can any one please give me Tariq hamad full name!!

    Comment by Samer — August 4, 2007 @ 5:10 pm

20. The above banned 11 includes Ronnie Duke, Fenton. According to this order, Ronnie Duke is BANNED from conducting any and all real estate transactions.

    ORDER

    STATE OF MICHIGAN
    DEPARTMENT OF LABOR & ECONOMIC GROWTH
    OFFICE OF FINANCIAL AND INSURANCE SERVICES
    Before the Commissioner of the Office of Financial and Insurance Services
    In the matter of:
    Ronnie Duke, Agency No. 05-506-MB
    Enforcement Case No. 05-3877
    Respondent.

    Issued and entered,

    by Linda A. Watters,
    Commissioner
    CONSENT ORDER OF PROHIBITION
    WHEREAS, Ronnie Duke (”Duke”) has executed a Stipulation and Consent to the
    Issuance of an Order of Prohibition (”Stipulation”); and
    WHEREAS, Duke, by his execution of the Stipulation, has consented and agreed to the
    issuance of this Consent Order of Prohibition (”Order”) by the Office of Financial and Insurance
    Services, pursuant to MCL 445.l668a.
    NOW THEREFORE, IT IS ORDERED that:
    1. Duke is prohibited from being employed by, an agent of, or control
    person of a licensee or registrant under the Mortgage Brokers, Lenders, and Servicers Licensiflg
    Act (”MBLSLA”), 1987 PA 173, as amended, MCL 445.1651 et seq., or a licensee or registrant
    under a financial licensing act.
    2. The Stipulation is made a part hereof and is incorporated herein by this
    reference.
    Consent Order of Prohibition
    Enforcement Case No. 05-3877
    Page 2
    3. Duke shall promptly respond to any request from OFIS for documents,
    testimony, and other requests for information that OFIS requests to demonstrate to the
    satisfaction of the Commissioner that Duke is in full compliance with this Order.
    This Order shall be and is effective upon issuance. The Stipulation and Order shall
    remain in effect until terminated, modified, or set aside, in writing by the Commissioner of
    OFIS.
    OFFICE OF FINANCIAL AND
    INSURANCE SERVICES
    Commissioner

    ******************************************************

    AND YET, Ronnie Duke engaged in a fraudulent transaction regarding property located at 54473 Flamingo Drive, Shelby Twp., MI 48315. This property was sold simultaneously to 11 different families (yes, 11!). No one is allowed to move in, the once beautiful home has become blight, the lawn is dead, the flowers dead, the weeds have taken over, the pipes burst, and it is looking more dilapidated by the minute.

    The saddest part is watching these random families pull up, sit in their car in the driveway and cry.

    I would like to know how a person like Ronnie Duke sleeps at night. Can anyone tell me that?

    Comment by another victim — August 6, 2007 @ 8:17 am

21. As for Chad Willis his where abouts are still unknown but there is much to know about this scam artist. There are many many people looking for him. If you would like to discuss this information please contact me.

    mortgageliveblog@hotmail.com

    Jane

    Comment by Anonymous — August 10, 2007 @ 4:02 pm

22. Ronnie Duke is a evil TURD that needs to be put away for life.

    Comment by Anonymous — August 15, 2007 @ 6:00 pm

23. Does anyone have an update regarding the property in Shelby Twp., MI that Ronnie Duke is involved in?

    Comment by another victim — August 16, 2007 @ 10:26 am

24. Robert- I have done some business with you in the past and appreciate your education and concern on the matter of real estate and fraud! Wondering if anyone knows a con artist by the name of Robert Parker? He took myself years ago for a few thousand and his name has surfaced with 3 other individuals I have come in contact with. I am suspecting that he makes a living off real estate scams! I, fortunately have learned a lot since then!

    Comment by Concerned Banker — August 22, 2007 @ 6:34 pm

25. The name Robert Parker doesn’t sound familiar; however, if you feel he has committed fraud against the mortgage industry, please make a complaint on the OFIS website so he can at least be on the radar!!!!

    Comment by Concerned fighter — August 29, 2007 @ 10:09 am

26. Chad E. Willis has now stolen money from a women in San Carlos, Sonora Mexico. San Carlos is 325 miles south of Tucson Arizona. He is rumored to now be in Puerto Vallarta.

    Comment by Pescador — August 29, 2007 @ 11:02 pm

27. Chad swiped an alarm clock from our unit in SC!! We are going to hire the famous tracker -Lord Baltimore that stalked Butch Cassidy and the Sundance Kid.

    Comment by Lobo — September 5, 2007 @ 7:08 pm

28. Many many people looking for Chad Willis. When he is captured please contact me ASAP.

    Comment by Tony — September 12, 2007 @ 9:25 am

29. Does anyone know what Ronnie Duke did exactly? Were those 11 families actually 11 investors? I googled his name and found this site. My understanding is that he controls dozens of properties in MI, OH, and IL. I ask because I can’t find him, and I’m beginning to think I’ve been scammed.

    Comment by Anonymous — September 14, 2007 @ 3:16 pm

30. For one thing Mr. Duke has his licensed revoked and cannot legally transact any deal that involves real estate. When did this occur? Why do you think you were scammed? Yes, there are 11 scammed clients who all belived that they were getting an incredible real estate investment involving one home in Shelby Twp., MI. The truth is that they all lost alot of money to Mr. Duke and cannot take possession of at least this home that is deemed uninhabitable. It is riddled with black mold and the bank just took over to secure the home until title can be determined. The victims are racking up and I also heard he either fled the country or is about to. Where is Mike Cox or Stephen Murphy? Absolutely nowhere to be found.

    Comment by another victim — September 14, 2007 @ 11:02 pm

31. Thanks for answering my question. I don’t want to say too much publicly as I can still recover my money, or at least most of it, and get clear of Duke. I know for a fact that Duke was still putting together groups of investors as recently as May/June 2007. Does Duke’s company Specialty Holdings and Attorney John Melton figure into the scam? I think the Shelby Twp. home is going to turn out to be just the tip of the iceberg with this guy. I believe he ran this scam with other properties. It appears to me that he may have mortgaged roughly 50 other homes, over and over and over.

    Comment by Anonymous — September 15, 2007 @ 10:11 am

32. Just to let you know, yes ronnie duke has done this with other houses also. what he does is convince people to buy up these properties while getting money from them, he then rents these houses out for real cheap collects money from the renters also, sets up legal leases with these people but does not tell the owners that own the houses that there are renters in them. He has a representative known as Steve do these rental dealings. As of June, Mr. Duke, Steve, Specialty fundings/holdings dissappeard. Specialty Holdings is the company he created to do deal with the renting of these houses. So not only did he scam the people that own these houses he has also put these renters out on the street and taking our money. He has done this with multiple properties. Mr. Melton is his attorney and if you try to contact him about he hangs up the phone and says he knows nothing, but he knows everything.

    Comment by anonymous — September 18, 2007 @ 6:12 pm

33. These are the attorneys from the Michbar website that meet the criteria for attorney Mr. Melton. Which one is it?

    David Melton, Jr. Detroit
    David R. Melton Kansas City
    Jeffrey Ryan Melton Sterling Heights
    John E. Melton Flint
    Scott R. Melton Grand Rapids

    We will keep on contacting and asking attorney Melton on what he intends to do in this case. The one home in Shelby Twp., I was actually let in to be an observer while a bank official estimated the appraisal for the home. What a nightmare!! Since they let the pipes freeze on this once $540,000 home it has been reduced to a price that I can’t even imagine anyone wanting to pay for such a toxic mold infested home that the ceilings collapsed, you cannot breathe in the entire home, there is mold coming out of all of the entire drywall and basement walls and ceilings (except for the kitchen) and the biggest shame is that it was once a beautiful home. It needs to be plowed down, it is that toxic. Anyone that enters now has to wear a mask. There is no fixing it.

    How Ronnie Duke is escaping prosecution is beyond belief. I have heard that he does set up these innocent renters in a ‘deal of the century’.

    Please let me know the actual attorney so we can bombard him with questions as to Ronnie Duke’s location, and how we can get restitution in litigations. And possibly have this attorney’s licence revoked.

    Comment by another victim — September 25, 2007 @ 11:07 pm

34. John E. Melton is the attorney. If you go to the state of michigan website and do a look up for businesses, enter Specialty Holdings inc. and you will see his name on the papers. He will claim he knows nothing so good luck getting any info out of him. He does have his own website. too. If you look at his website he defends these type of people that do these things.

    Comment by Anonymous — September 27, 2007 @ 3:13 pm

35. Do you have the name of a Michigan attorney who would go against Melton?

    Comment by another victim — September 28, 2007 @ 11:05 am

36. No, but he needs to be debarred. Were you able to contact him or find out any info about these situations with Ronnie Duke?

    Comment by Anonymous — October 1, 2007 @ 11:10 am

37. Does any on ecare out there that Robert Troub is still doing business for a mortgage broker in the state of MI? Charlotte MI actually

    Comment by mark — October 11, 2007 @ 2:17 pm

38. Mr Roberts
    I just called Delmar Financial out of Charlotte MI and Robert Troub answered the phone and acted as an agent. I thought that he was banned from doing business on MI. Mr Roberts, how can he stillb working there?

    Comment by Mark — October 11, 2007 @ 2:41 pm

39. There have been many reports of Chad Eugene Willis in Cancun raising money for many different websites promoting real estate services. He has scammed many people ($60,000) plus ranging from Baja, Sonora and now Cancun he is rumored to be moving into Belize.

    Comment by Concerned in Cancun — October 25, 2007 @ 11:33 am

40. Concerned in Cancun, did you meet Chad or just hear about him? Did he scam anyone in Cancun? How do you know he is leaving for Belize?

    thanks for any info

    Comment by Buzo Libre — October 29, 2007 @ 1:00 pm

41. Ronnie Duke’s lawyer was very nice to me when I called him. I believe he was just Duke’s lawyer-had nothing to do with any scam. He is a VERY well respected real estate and criminal defense lawyer. He must be pretty good, Duke isn’t in jail.

    Comment by Victim — November 3, 2007 @ 3:23 pm

42. Is this comment from John E. Melton?

    How cheesy is this lawyer using MySpace to network. Check it out: Google ‘John E. Melton attorney’ and you will get his MySpace account as No: 1 and he admits to using it to ‘network’ and that he is an attorney. Check out all of his ‘friends’! It is too funny.

    Comment by another victim — November 5, 2007 @ 8:32 pm

43. Has anyone had any dubious dealings with James Rosenbaum, John Meyers of Birmingham-Cranbrook, or Metropolitan Title in the Birmingham area? We are talking about getting excess cash out at sale transactions, appraisal fraud, & multiple purchase agreements?

    Comment by Homer S — November 9, 2007 @ 6:26 pm

44. Ronnie Duke last lived on Watchbird Lane in Fenton MI.

    Comment by victim — December 1, 2007 @ 10:54 pm

45. Ronnie duke has been doing this since at least 2001. he contorled the closing and escrow company so no papers were filed with the county then proceeds to take 3,4,5 1st mtgs on each property. Bill wells is his partner in this fraud. This guy is capable of much more then fraud.

    Comment by Anonymous — December 9, 2007 @ 7:36 pm

46. Hey Mark younger - GET A FRIGGIN’ LIFE!!!!!!! I buy foreclosed homes, or at least I try to. OFIS knows that I have an office in Delmars building…..time to get a life…..what, exactley, is your problem?
    I don’t do loans, I don’t tell people that I do…..I’m trying to move along….why don’t you do the same?

    Comment by Robert Troub — December 17, 2007 @ 4:53 pm

47. Whatever, you plead your case, i am sure the state got it wrong. you are as low on the human chain as you can be. I hope that the peole you have scammed are ok.

    Comment by MArk — January 3, 2008 @ 5:49 pm

48. Mr. Troub,
    If you are purchasing foreclosed homes, you are still conducting mortgage transactions. Just because you are not the loan officer on the transaction doesn’t mean you are out of the industry. Your best bet is to find an occupation that does not have anything to do with the buying and selling of homes. Because you are purchasing foreclosed homes opens up questioning as to the validity of what you are really doing. Why not just save yourself the headache and find something that won’t open up a whole barrage of questioning? Where exactly are you at now?

    Comment by Concerned fighter — January 28, 2008 @ 1:47 pm

49. Mr Troub wil not leave this industry because this is the only thing he knowss, and is capable of screwing people in. He has made a career out of it, and is not smart enough to go into anything else. He should be in Jail, but this is not goingto happen yet. That is why he is not leavign the industry.right Bob?

    Comment by mark — February 4, 2008 @ 12:50 pm

50. What does Mr. Troub do with his purchased foreclosed homes? Flip them? Or is just stockpiling them until values go up someday? Who’s funding the purchases anyway?

    Unloading delapidated foreclosed homes that have basic band-aid repairs is just another way to rip off unsuspecting borrowers and lenders. In addition to the standard appraisals, all flipped properties should have a mandatory home inspection by a qualified licensed home inspector. At least that way the borrower and the lender hopefully will enter into a deal with eyes wide open.

    Comment by Babysitter — February 5, 2008 @ 4:52 pm

51. I agree, Bob is everything that is wrong with the industry. He is the reason that people see mortgage reps as lower than a cheese ball slimy car salesman. He only know how to do things that screw people over

    Comment by mark — March 6, 2008 @ 2:45 pm

52. wow….lotta hate here….I no longer work in any field associated with mortgages or real estate…… never purchased a home to flip, never….been out of this biz for a long time……

    Comment by Robert Troub — March 11, 2008 @ 12:24 pm

53. If Troub is truly out tof the industry then it is a good day, he should be in jail. I do doubt it though, as this is the only way he can truly scam people to the tune of a couple grand each time.

    Comment by mark — April 3, 2008 @ 2:46 pm

54. We are one of ronnie duke’s casualties. Thank you for having all this information so we can show our new landlords why we stopped paying rent and our concern with their viability. I had fallen from a broken railing that we had been trying to get fixed from specialty holdings. Luckily we had health ins. to cover the 30,000 dollar bill, but when we couldn’t get through to them at all we stopped paying rent thinking that would get their attention.

    Then oct 31st there was a forclosure notice on the door. These people had paid 544,000 a year after we moved in. Then there was another notice that another woman owed another mortgage co. another 500,000 .What a mess. We informed the mortgage co. the situation and all they had to say was the house is in redemption so we’re waiting out the 6months and see if anyone even cares that we’re here. So far there has been no one come here so we’ve been taking care of it throughout the winter or this beautiful house would be loke the one in Shelby twp.

    I really don’t know what to do besides find a new place. It has been nice to vent. Also a william Wells vp of specialty holdings lived on watchbird lane/fenton does the address even exist?

    Comment by anonymous — April 15, 2008 @ 12:43 pm

55. To Mark Younger,

    Shame on you. You are a sorry excuse for a man. You are slandering Robert Troub on a public website. Do you have any proof to back up your claims? Has Robert ever done anything to you personally? I am the first to admit, he has made some serious mistakes in his life. But he is also my father and I have forgiven him for them. The honest truth is he is no longer doing any sort of mortgage/financing things. He is out of that field. And Mark Younger, may I ask, are you so spineless that you must comunicate with him on this message board? Why not contact him personally and deal with whatever it is you have between you. It is in very bad taste to continue this childish, obnoxious behavior. If you would like, feel free to contact me. I will gladly set you straight.
    Have a nice day Mark Younger. I really hope you find more satisfying things to do with your life. Let me know if I can be of assistance.

    Comment by Robert Troub's Daughter — May 2, 2008 @ 1:20 pm

56. Bill Wells does not live on Watchbird Ln. Ronnie Duke and his friend Timmy does!

    Comment by Anonymous — June 7, 2008 @ 10:43 am

57. One of the homes where several victims were duped by Ronnie Duke was just sold. It is on Flamingo Drive in Shelby Twp. and it originally sold for $560,000 I believe. But when Ronnie scammed all of these families and the bank finally took ownership of the home all of the pipes burst causing extensive damage and mold. Now the home was listed at $269,000 and was bought immediately. I have a question: If the new owner flips it, is he responsible for future damages if he fails to disclose the defects including hidden mold? And I don’t know how this title ever cleared with something like 11 families all claiming to be duped by Ronnie Duke. Michigan needs to start putting these in prison.

    Comment by Marie D. — June 16, 2008 @ 11:33 am

58. To Mr Troubs daughter, I have proof that he has beeninvovled in mumerous fraudulent activities, and had turned them to the state, that is part of what led him to be BANNED from the industry. And yes, your father has done several things that have harmed myself and friends of mine because of his unscrupulous ways of business. If heis out of the business then I can only hope that he has a nice career flipping burgers at McD’s, taht is about all he should be aloud to do!

    Comment by Mark — June 19, 2008 @ 7:05 pm

59. UNITED STATES ATTORNEY ANNOUNCES CRACKDOWN ON MORTGAGE FRAUD

    United States Attorney Stephen J. Murphy announced today the results of a recent crackdown on mortgage fraud in the Eastern District of Michigan. Mr. Murphy was joined in the announcement by Acting Assistant Special Agent in Charge Toni Chrabot, Federal Bureau of Investigation, Special Agent in Charge Brian Moskowitz, Immigration and Customs Enforcement, Postal Inspector in Charge Joseph Parone, U.S. Postal Inspection Service, and Special Agent James Waldron, U.S. Housing and Urban Development, Office of Inspector General.

    Since March of this year the U.S. Attorney’s Office has filed 15 separate complaints, indictments or informations charging 28 individuals with federal felonies relating to mortgage fraud. The charges include wire, mail and bank fraud, money laundering, and conspiracy to commit those offenses. The estimated total loss, as a result of the alleged conduct by these individuals is over $50 million.

    Charged are:

    NICOLE MALANE, 30, of Birmingham, Michigan. The complaint and affidavit allege that on or about May 4, 2006, Malane committed violations of the federal wire and mail statutes in the purchase of a residential property located at 7471 Jackson Park, Bloomfield Hills, Michigan. The fraudulent activity included artificially increasing the sale price of a single family home from $385,000 to $630,000. Ms. Melane took title to the property via false income documents stating that she earned $14,000 per month as vice president of Southwest Fabricating, Inc. – a company taken over by Robert Yeo and stripped of its assets through “busting out” business lines of credit.

    KURT WARREN HEINTZ, 37, of Grand Blanc, Michigan and real estate appraiser

    JAMES JEFFREY FISH, 40, of Howell, are charged in an Information with having

    engaged in a systemic mortgage fraud scheme throughout Michigan, primarily in Genesee County, Michigan. HEINTZ was involved in the purchase of numerous properties and paid real estate appraisers including FISH to appraise the properties for more than their true market value. Straw buyers were recruited and acquired mortgage loans in their names based on the inflated property values. Payments on the mortgage loans eventually ceased, thus exposing lending institutions to significant losses as the true value of the properties was substantially less than the outstanding mortgage loan balances. The fraudulent appraisals typically appraised the properties for more than twice their true value. The scheme involved approximately 70 properties, and has exposed lenders to losses of approximately $20,000,000.

    AUBRY TERBRACK, 65, of Troy, Michigan and DENISE MONEY, age 52, of Ferndale, Michigan, two former corporate officers of Marathon Financial located in Southfield, Michigan, are charged with conspiring to defraud the United States Government National Mortgage Association, commonly known as Ginnie Mae. Ginnie Mae makes affordable housing a reality for millions of low- and moderate-income households across America by channeling global capital into the nation’s housing markets via Government insured loans primarily through the Federal Housing Administration (FHA) and Department of Veterans Affairs (VA). Specifically, the Ginnie Mae guaranty allows mortgage lenders to obtain a better price for their mortgage loans in the secondary market. The lenders can then use the proceeds to make new mortgage loans available. Money and Terbrack conspired to retain the funds obtained from terminated and/or paid off loans. Terbrack and Money failed to disclose to GNMA that the loans were terminated, while Terbrack utilized the funds from the paid off loans to invest in the stock market and make fraudulent monthly payments to GNMA on the loans that were previously paid-off, to conceal the fraud. The fraud began during July of 1998 and continued until October of 2007, resulting in a loss of approximately $20,000,000.

    JULIETA GALVEZ FLORES, 34 of Farmington Hills, Michigan and ROBERTO CARMEN LEMOS, JR., 35 of Detroit, Michigan are alleged to have engaged in a mortgage fraud scheme in Detroit, Michigan. FLORES operated a mortgage brokerage under the name of JF & ASSOCIATES. FLORES acted in the capacity of a mortgage loan officer on numerous properties and paid a title company employee, ROBERTO CARMEN LEMOS, JR., to accept (as fact) deeds of trust which reflected an owner that was not truly the owner. In addition, LEMOS altered title work to show that a mortgage lien existed when, in fact, it did not. The fictitious liens resulted in fraudulent payoffs to FLORES’ shell companies. Straw buyers were recruited as borrowers. The straw buyers did not make payments on the mortgage loans which resulted in the foreclosure of the homes. The scheme involved approximately 13 properties, and has exposed lenders to losses of approximately $292,000.

    PHILLIP BLEVINS, 56, of Bloomfield Hills, Michigan, was the owner of “Lion Pride Investments” also known as “Lyon Pride Investments” (LPI), which did business at various locations in the Eastern District of Michigan and elsewhere. BLEVINS operated as facilitator of fraudulent mortgage loan transactions and coordinated the purchase and sale of real property by recruiting straw buyers and seeking loans on behalf of those buyers from various lending institutions throughout the United States.

    JOHN HUSAR, 39, of Sterling Heights, Michgan worked with Blevins in various positions including acting as a loan processor and officer.

    CYNTHIA CRUMP, 53 of Bloomfield Hills, Michigan and TANYA DAVIS, 49 of Southfield, Michigan were straw buyers recruited ny BLEVINS for the fraudulent mortgage transactions.

    ARNOLD JANKOWSKI, 61 of Warren, Michigan was an associate of BLEVINS who used the stolen identity of licensed real estate appraisers to generate inflated appraisals for the fraudulent mortgage transactions. All five defendants are charged in an indictment with conspiracy to commit bank fraud

    SHANNON FERGUSON, 36 of Canton Township,pleaded guilty on June 13, 2008, to one count of wire fraud in connection with two fraudulent mortgage loans handled by Select Mortgage that were secured by her residence in St. Clair Shores. The loans totaled $732,000. Under the terms of her plea agreement, she faces up to 46 months’ imprisonment, a $1 million fine, and an order of restitution in the amount of $732,000.

    Co-defendants Tariq Hamad and Kalil Khalil pleaded guilty to broader mortgage fraud schemes encompassing loans totaling $21 million. Hamad was sentenced in September 2007 to 110 months’ imprisonment and ordered to pay $11.5 million in restitution. Khalil was sentenced in February 2008 to 60 months’ imprisonment and ordered to pay $11.1 million in restitution. Both Hamad and Khalil also forfeited their interests in several bank and securities accounts.

    DENNIS TAMBURO, 39, of Washington Township, Michigan, a mortgage broker and owner of Home Connection Mortgage (HCM), and MARIO LALIOS, 30, of Shelby Township, Michigan, a real estate agent and owner or part-owner of Rain Maker Investments, Inc., and ML&SL Holdings, Inc., were charged in a criminal complaint with perpetrating mortgage fraud schemes. The schemes occurred between July 2004 and May 2006. Tamburo and Lalios flipped properties owned by themselves or their associates to buyers and falsified loan applications to qualify the buyers for loans with NetBank, a federally insured financial institution. The properties were sometimes flipped multiple times among friends, relatives, or business associates to conceal any previous ownership by Tamburo or Lalios. Tamburo and Lalios submitted 52 loans totaling $5,387,620 to NetBank. All 52 loans fell into default, and most are in various stages of foreclosure.

    GREGORY PATRICK DAVIS, 30, was the owner of “GP Davis and Associates” which also did business as “Interactive Property Services,” and “Efficient Mortgage” all located at 18911 West 10 Mile Road, Southfield, Michigan and elsewhere. In this capacity, DAVIS operated as a mortgage broker who facilitated the purchase and sale of real property by seeking loans from various lending institutions throughout the United States.

    MELISSA N. HARRIS, 24, was an associate of DAVIS and worked in his various businesses as a loan officer and loan processor. Together, with others as yet uncharged, they obtained fraudulent mortgage loans on numerous properties in the Detroit metropolitan area and arranged to have the illegal proceeds and profits of the fraud split between themselves and others. In committing the fraud the defendants provided false income information for straw buyers and in order to bolster their creditworthiness and apparent ability to qualify for mortgages, provided down payments, false verification of bank account balances, false intent to use the property as a primary residence and made mortgage payments after the loans closed in an effort to conceal the fraud.

    ALI AKIL, JOHN MARRAS and MARK WARD are charged in a criminal complaint with conspiring to defraud Amtrust, a mortgage lender in Cleveland, Ohio. WARD, a licensed real estate appraiser, agreed to create a false and inflated appraisal for a home in Beverly Hills, Michigan. A straw buyer was recruited to purchase the property and the defendants facilitated the submission of a loan application and the fraudulent appraisal to Amtrust. As a result of the false and inflated appraisal and its materiality to the loan application Amtrust approved the mortgage loan for the sale of the property and disbursed $990,000 on May 29, 2007, by wire transferring the funds to a title company in Dearborn, Michigan. Profits from this fraudulent transaction were divided in various amounts between the defendants.

    NISHON JOHNSON, 37, of Detroit, Michigan is charged in a criminal complaint with wire fraud. The affidavit alleges that JOHNSON and other bought single-family homes in the Detroit area and then - after finding buyers - resold or refinanced the homes. After buying single-family homes, JOHNSON and others recruited buyers to purchase the houses as investment properties which allegedly could be rented to cover the monthly mortgage payments and costs. JOHNSON submitted false loan applications to the mortgage companies which overstated the borrower’s income and understated their liabilities. The borrowers eventually defaulted on the loan forcing foreclosure. The estimated loss to the mortgage companies is $600,000.

    JON AT HONE J. JOHNSON, 32, and WANDA HENLEY, 54, both of Detroit, were charged in a criminal complaint with wire fraud in connection with a scheme to obtain over $5 million from mortgage lenders. According to the complaint, Johnson or his company, 3 J Solutions, purchased houses in the City of Detroit and then sold them anywhere from a few days to a few weeks later for more than twice as much as Johnson paid for them. The houses were purchased by straw borrowers, recruited by associates of Johnson, in whose names loan applications were submitted. The complaint also alleges that the loan applications contained false information about the borrowers’ income and assets, were accompanied by counterfeit supporting documents, and were supported by appraisals prepared by Henley, a licensed real estate appraiser who did business under the name Michigan Appraisal. The loans soon became delinquent, and the houses were eventually foreclosed on by the lenders.

    IRVING SIMS pleaded guilty to an indictment that charged he provided false

    information regarding his income to a lender, causing the lender to approve a $466,000 refinance mortgage. Sims defaulted on the mortgage shortly thereafter, causing a loss of approximately $145,000.

    KENNETH WILSON, KEVIN BLUHM, AND MARK COUNTS have pleaded guilty to fraud charges. The information presented to the court at the time of the pleas showed that Defendant Kenneth Wilson provided false information to Quicken Loans, Inc., and caused Kevin Bluhm, an employee of Lincoln Title Company, to provide misleading information to Quicken Loans, Inc. in connection with “cash-out refinance mortgage applications” for 13 residential properties which defendant Kenneth Wilson had submitted to Quicken Loans, Inc. Wilson provided false information to Quicken Loans, inc regarding his income and employment. Wilson also caused Kevin Bluhm to submit misleading title commitments regarding the 13 subject properties which Wilson was purchasing. Defendant Mark Counts, an appraisers assistant, provided false information, including photos of more valuable properties as well as false information regarding the size, construction, etc. of subject properties which supported loans in excess fo the actual worth of the properties. Quicken Loans, Inc. relied on the accuracy of the information provided by Wilson, Bluhm and Counts ,and funded the mortgages. Wilson subsequently defaulted, causing a loss of approximately $550,000 to Quicken.

    CHRYSTALIN CARTER pleaded guilty to charges of conspiracy to commit wire fraud. The facts presented to the court at the time of the plea showed that Carter was aparticipant in a scheme in which a property was sold to an associate of Carter who was using a false identity to purchase the property and to obtain a $51,000 mortgage. Almost immediately after the sale, the mortgage went into default status, resulting in a $51,000 loss to the lender. United States Attorney Murphy said, “Honesty and integrity in the mortgage lending business are crucial to protecting home owners, lending institutions, and borrowers. When mortgage fraud is widespread, it undermines the stability of the housing market and the ability of lending institutions to protect themselves from debilitating losses.”

    Acting Assistant Special Agent in Charge Toni M. Chrabot of the FBI commented, “Mortgage fraud is characterized by deceit, concealment, and is not dependent on even the threat of violence. Mortgage fraud tears at the core of our households, our economy, and the American dream. Individuals and groups who participate in mortgage fraud prey on the most vulnerable in our society. The mortgage fraud problem continues to escalate, but the FBI is committed to aggressively pursuing these cases utilizing a variety of investigative techniques.”

    U.S. Attorney Murphy commended federal law enforcement agencies as well as state regulators, licensing agencies and financial institutions for their continued cooperative efforts to stamp out mortgage fraud. Complaints, indictments and informations are simply charges and the defendants are presumed innocent. It is the government’s burden to prove guilt beyond a reasonable

    Comment by Anonymous — June 19, 2008 @ 8:58 pm

60. Anonymous I have to agree with what you say “complaints, indictments and informations are simply charges ant the defendants are presumed innocent. It is the goverment’s burden to prove guilt beyond a reasonable” I can prove deceit, concealment and fraud. Just give me the chance.

    The fraudster in my case knows i can prove it and will do anything he can to make sure i don’t get my chance.
    If you look at the documents I have they tell a whole differant story and I believe I can prove it beyond a reasonable doubt.

    Comment by Bob McNeilly — June 19, 2008 @ 11:01 pm

61. Ronnie Duke and Nicole Turcheck are two of a kind. BEWARE!!! She is no better than him. If you have ever had a mortgage from her, I would check into it. It would not suprise me that Ronnie is in Florida now. Nicole was spending alot of time down there prior to people finding out that she was issuing false mortgage documents for Ronnie.

    Good luck to all

    Comment by Anonymous — August 19, 2008 @ 8:05 pm

62. mr.duke is going to pay for what he has done,the good lord stopped him,now iam going to break it off in his ass the way he realy likes to take it like most fudge packers do,i hope you read this ronnie your world is coming to a 6 by 9 cell

    Comment by anonymous — August 19, 2008 @ 11:28 pm

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