Closing
REFLECTING BACK ON THE OCT 2005 MEETING WITH MY BANKER WHEN I WENT TO MY BANKER TO QUESTION HIM ABOUT GREG ZAK OF DIXON MOTORS OWING MY AUNT MONEY AND ASKING DAVID MCGUIRE WHAT WAS GOING ON AND THEN QUESTIONING ABOUT WHAT GREG ZAK AND JOHN MATHEWS HAD IN COMMON AND WHY WERE THE BEHIND A GUY NAMED JOHN NEWMAN BUYING MY BUSINESS FROM ME? IT STARTED TO MAKE SENSE . IT EVEN MADE MORE SENSE WHEN GREG ZAK OF DIXON MOTORS MADE OFF WITH MY NOTES COMPLIMENTS OF MY BANKER DAVID MCGUIRE.
JOHN MATHEWS - SELF PROCLAIMED CONSERVATIVE TALK SHOW HOST FOR A RADIO SHOW THAT BROUGHT IN ALL THE FUNDING FOR GREG ZAK OF DIXON MOTORS ( THIS WAS IN THE MILLIONS) WHO THEN CREATED LOTS OF SHELL COMPANIES TO HIDE IT ( OF COURSE THIS WAS ALL LEGALLY DONE) AND ONE OF THOSE PLACES WAS WITH DAVID MCGUIRE OF ROYAL OAKS BANK AND THEN GREG ZAK PUT THE COMPANY IN BANKRUPTCY SO THEY COULD GET RELIEF FROM THE COURTS AND PAY FOR JOHN MATHEWS ATTORNEY BILLS DUE TO CHILD MOLESTATION, AND JUST BASICALLY STEAL MILLIONS AND WHEN ROYAL OAKS BANK WAS IN THE MIDDLE OF BEING SOLD TO FIRST BANK DAVID MCGUIRE DECIDED HE DID NOT LIKE MY QUESTIONING HIM ABOUT THESE RELATIONSHIPS HE HAD........ JUST SEEMS A LITTLE FUNNY THAT JOHN NEWMAN WAS INVESTIGATED FOR INDECENCY WITH A CHILD, JOHN MATHEWS WAS CHARGED WITH CHILD MOLESTATION , GREG ZAK IS STACKING THE CASH AND DAVID MCGUIRE IS TURNING HIS HEAD AND DOING BUSINESS WITH THEM AND ALL THE WHILE STEALING MY FAMILY MONEY , MY MONEY AND OTHERS AND I HAVE NO RIGHT TO QUESTION THE BANKER , BECAUSE I KNEW IN OCTOBER OF 2005 THAT SOMETHING IS WRONG AND I AM NEXT.
WAS IT PAYBACK? SOMEONE KNOWS AND I WOULD LIKE TO KNOW ! THIS DID NOT ACCIDENTALLY HAPPEN AND IT WAS A SLICK MOVE.
5. Closing My children’s college funds, my life insurance policies, all my business operations are lost; the trustee has taken any excess
I have and I am left in ruins. The bank ended up with my assets, and Sommers was given my wife’s Suburban and was
paid approximately $43,000 plus sanctions and lawyers’ fees. My house payment was 2 years behind at one point
and Bank of America has been forgiving for the most part and allowing me to make payments. I struggle to this
day. I have no reputation. I run a hamburger place my family helped out with, my children do not get to do the things they should do such as
sports and other school activities, and essentially I am a spent man. Does anyone care !!! It is impossible for me to understand what I could have done differently. I requested help of my attorney of 9 years, a bankruptcy attorney and the courts. No one has helped me, and in fact quite the opposite. I have nothing left and, at this point, even seeing the people that did this to me held accountable would not be
enough. At the end of the day after 6 years of arguing in Bankruptcy , 2 years of fighting the indictment - something is really wrong when your charged with hiding $50,000 from the bankruptcy estate and are going to jail over it when you paid it back and never should have had to even do that. They used my wife as a pawn is the only reason i would have ever pled guilty to anything like this. The fact of the matter is and the real truth is and the powers that be know this I did exactly as I was told to do by 3 lawyers who I cannot help but think they know what they are doing. I assure you Mr. Cowgill my last attorney definitely knew what he was doing and still do no know what i could have done different.
Questions never answered by
the courts or Trustee to this
day.
1. Why did they show favoritism and not treat Royal Oaks Bank as any other
creditor? They were not even
brought in for questioning.
2. Why did they show favoritism and not treat Crown Financial as any other
creditor? Dick Tribe was not
brought in for questioning.
3. Why did they take my wife’s car? Barbara Rogers told me we were each
entitled to our cars, but then we were not allowed to keep even one car because
they both needed to be paid off.
4. Why did they not recognize Susan’s own personal inheritance monies that
had been invested in the
businesses?
5. Why did I pay them back something I did not agree with yet still get
charged now -- it is like double jeopardy?
6. Why did they not put me in a Chapter 11 once they realized I had
assets? That is what Rogers told me
would happen. They refused
me.
7. Why did they not recognize a loan repayment for Chase equity loan of $26,000 back to us?
(See Chase Equity Loan) I have documentation showing monthly payments to Susan by DMG since 2002.
8. If my lawyers could not figure out how to make the schedules right - how
could I?
9. According to Bankruptcy code, if you do not have your tax returns or
counseling you cannot file, so how did I?
10. According to Bankruptcy code, there must be a
means test. Rogers never explained
that, for the purpose of bankruptcy, income is quite different .
(income in bk is any and all monies received).
Means test was done wrong,
I was not even aware of the criteria for filing bkr, so how did Rogers
file bankruptcy?
11. According to Bankruptcy Code, if you have
assets, you cannot file a Chapter 7 Bankruptcy, so how did Rogers get away with
it? The court completely absolved
her mistakes but now holds me criminally accountable for
them.
12. Since I was in personal bankruptcy, wouldn’t the returning of a business
asset to my wife be considered a business transaction -- she was half owner of
everything and at minimal would it not be true since she was involved in the
Crown Financial Loan that 50% was her monies anyway?
13. Why was Susan never brought in to fill out her own personal info for
bankruptcy, clearly there is no such thing as non-spousal filing, so does she
not have any rights or claims to her own personal
monies?
14. Am I not entitled to consideration for being forced to act pro se? I did not choose this and was not given
time to prepare for it nor to educate myself on the pitfalls or even the right questions to ask.
I have and I am left in ruins. The bank ended up with my assets, and Sommers was given my wife’s Suburban and was
paid approximately $43,000 plus sanctions and lawyers’ fees. My house payment was 2 years behind at one point
and Bank of America has been forgiving for the most part and allowing me to make payments. I struggle to this
day. I have no reputation. I run a hamburger place my family helped out with, my children do not get to do the things they should do such as
sports and other school activities, and essentially I am a spent man. Does anyone care !!! It is impossible for me to understand what I could have done differently. I requested help of my attorney of 9 years, a bankruptcy attorney and the courts. No one has helped me, and in fact quite the opposite. I have nothing left and, at this point, even seeing the people that did this to me held accountable would not be
enough. At the end of the day after 6 years of arguing in Bankruptcy , 2 years of fighting the indictment - something is really wrong when your charged with hiding $50,000 from the bankruptcy estate and are going to jail over it when you paid it back and never should have had to even do that. They used my wife as a pawn is the only reason i would have ever pled guilty to anything like this. The fact of the matter is and the real truth is and the powers that be know this I did exactly as I was told to do by 3 lawyers who I cannot help but think they know what they are doing. I assure you Mr. Cowgill my last attorney definitely knew what he was doing and still do no know what i could have done different.
Questions never answered by
the courts or Trustee to this
day.
1. Why did they show favoritism and not treat Royal Oaks Bank as any other
creditor? They were not even
brought in for questioning.
2. Why did they show favoritism and not treat Crown Financial as any other
creditor? Dick Tribe was not
brought in for questioning.
3. Why did they take my wife’s car? Barbara Rogers told me we were each
entitled to our cars, but then we were not allowed to keep even one car because
they both needed to be paid off.
4. Why did they not recognize Susan’s own personal inheritance monies that
had been invested in the
businesses?
5. Why did I pay them back something I did not agree with yet still get
charged now -- it is like double jeopardy?
6. Why did they not put me in a Chapter 11 once they realized I had
assets? That is what Rogers told me
would happen. They refused
me.
7. Why did they not recognize a loan repayment for Chase equity loan of $26,000 back to us?
(See Chase Equity Loan) I have documentation showing monthly payments to Susan by DMG since 2002.
8. If my lawyers could not figure out how to make the schedules right - how
could I?
9. According to Bankruptcy code, if you do not have your tax returns or
counseling you cannot file, so how did I?
10. According to Bankruptcy code, there must be a
means test. Rogers never explained
that, for the purpose of bankruptcy, income is quite different .
(income in bk is any and all monies received).
Means test was done wrong,
I was not even aware of the criteria for filing bkr, so how did Rogers
file bankruptcy?
11. According to Bankruptcy Code, if you have
assets, you cannot file a Chapter 7 Bankruptcy, so how did Rogers get away with
it? The court completely absolved
her mistakes but now holds me criminally accountable for
them.
12. Since I was in personal bankruptcy, wouldn’t the returning of a business
asset to my wife be considered a business transaction -- she was half owner of
everything and at minimal would it not be true since she was involved in the
Crown Financial Loan that 50% was her monies anyway?
13. Why was Susan never brought in to fill out her own personal info for
bankruptcy, clearly there is no such thing as non-spousal filing, so does she
not have any rights or claims to her own personal
monies?
14. Am I not entitled to consideration for being forced to act pro se? I did not choose this and was not given
time to prepare for it nor to educate myself on the pitfalls or even the right questions to ask.