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 Many residents of Christopher Court have received foreclosure notices despite making their house payments fully and on time. (T-G Photo by David Melson) [Click to enlarge] |
The families claim they have been victimized by several individuals from Murfreesboro who are purchasing properties from American Value Homes and setting up two-year leases with purchase option agreements.
They claim they were led to believe that the money they were paying was going toward the purchase price of their homes. But instead, the money was apparently not paid to the finance companies and the homes that the families are living in are now being placed in foreclosure and auctioned off by banks.
What makes matters worse for the families is that they say none were ever informed about the foreclosures. They only learned of their situation when auction notices were published by the Times-Gazette, or when the bank told the occupants they had seven days to get out.
A representative with the Bedford County Board of Realtors stressed that none of its members were involved in the transactions and no Realtor in the county had any involvement with the purchase or circumstances surrounding these homes.
Repeated attempts to reach the individuals accused in the matter for comment were unsuccessful by press time.
Tim Krieg of 302 Christopher Court said he bought his home from Jonathan and Stephanie Henderson of Murfreesboro with a two year lease/option to buy and 10 percent of the payments going toward the down payment.
However, on New Year's Eve, Krieg read in the T-G's classifieds that his house was under foreclosure. He would have been in the home for two years this April.
Krieg was making weekly payments of $250 for the home, sometimes $1,250 a month with a $500 security deposit. But with the foreclosure, Krieg says he's losing the 10 percent down payment and the rest of the money he has put into it.
And evidently, it's the same story for five of Krieg's neighbors. Krieg said when Henderson purchased the properties from American Value Homes, each home was placed with a different mortgage company.
Krieg said after he found out he was being foreclosed on, Henderson came by to collect the house payments the next week. "When were you going to tell me?" Krieg asked.
"Tell you what?" Henderson allegedly told Krieg.
All these homes are being foreclosed on, Krieg said. He claims that Henderson replied that "it was strictly business, it wasn't personal."
"When it comes to my four kids and having to move them out, and losing all my money, that's pretty personal," Krieg said.
Tim then got in touch with his neighbors, Greg and Alisa Ervin at 304 Christopher Court, to tell them about the situation, which they say they had no knowledge of.
Alisa said around Christmas time, Henderson had offered the Ervins "a deal" and kept coming by for the payments. When the foreclosure was later discovered, Alisa asked Henderson when he had planned to tell them about the matter of the foreclosure. Henderson allegedly replied that he could sell the house if he wanted to, Ervin said.
The Ervins have already paid some $25,000 to Henderson for the home and Alisa says she never missed a payment. They would have been in the home for two years this April, Alisa says.
Terry Pilkington of 306 Christopher Court tells the same story. They were told about the lease/option to buy from Krieg, who is a relative, and have paid over $20,000 to Henderson for the house. Not only have they paid on time, the Pilkingtons have made several improvements to the property since they've lived there.
"We thought it was going to be ours," Terry said, but then they began learning that things might not be what they seemed.
The Pilkingtons had previously lived at 308 Christopher Court, which her daughter and new husband moved into. But when they learned that that home was being foreclosed on, it dawned on Terry that they were all facing the same fate.
All of the neighbors claim that Henderson has been taking their money, but not making their payments to the mortgage companies.
Holly Hecathorn on Southwood Lane has already been foreclosed on, but she dealt with two other people: Molly Worrall and Tom McMamahan of Murfreesboro, who also bought the property from American Value Homes. She tells an identical tale - she was making her house payments on time, yet was foreclosed on and the home went up for auction on Dec. 6.
"We had a bank come over and offer us a deal." Holly said. "They told us that they wanted us to leave before Christmas." They learned of the foreclosure through a classified notice in the T-G and were not contacted about the matter.
But all other neighbors agreed on one point: The banks which are foreclosing assumed the owners of the homes -- Henderson, Worrall and McMamahan -- to be living at these addresses, because every foreclosure notice bears their names.
The deeds of trust state that after 60 days of purchase, the buyer, which in many cases is Henderson, has to live in the house for a year before he or she can sublease or rent the homes out.
Krieg said that when mail addressed to Henderson was delivered to the Greystone subdivision addresses, he was asked to forward the mail to him. Krieg said he found that situation fishy because mail is typically forwarded to a new address by the Postal Service.
When Holly confronted Worrall and McMamahan about the foreclosure notice, they claimed it was a mistake in the newspaper. But then when the bank representative showed up, he asked if Holly was Molly Worrell.
Holly replied that if she were Molly Worrell, "then so was everyone else on the street," because Worrell's mail comes to every house. While Worrell's name is on the paperwork, and money orders had to be made out to Worrell, it was McMamahan to whom the residents were making their payments each period.
"We have all this paperwork that says this is our home," Holly said. "Turns out, it's not."
The foreclosure notices for the Ervins and the Pilkingtons both originated from the law offices of McCurdy & Candler LLC of Decatur, Ga., even though they were making their payments to two separate people - Henderson and Worrell.
Andrew Andreason of 414 Quarry St. says he has gone through the same experience, but with yet another individual, Jason Neal. The difference is that the home Andrew moved into was already being foreclosed on when he moved into it at the end of October 2007.
"I had no knowledge whatsoever of foreclosure on there. I made a down payment and have been paying monthly payments," he said. While he is one month behind on his payments, Andreason said that Neal was not in a rush for the money.
"I've been sent an auction notice for this month and he says, 'If you don't pay me the month's rent, you're going to have to leave,' but I haven't even been given a 30-day notice from him," Andrew said. "The foreclosure and the auction aren't even from him, it's from the bank."
Tommy Hay of Shelbyville is giving these neighbors a hand. A retired real estate agent, he has been in touch with law enforcement, the District Attorney's office, and the state real estate commission about what has happened to these families.
Hay is hoping that an attorney can file criminal charges against the individuals for putting the families through the ordeal. Krieg added that attorney John Norton has agreed to take the case pro bono.
"This doesn't even scratch the surface," Hay said. "There are many, many more" in the same situation, he and the Greystone neighbors said.
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tmixer5: i was wondering how you know about roger ritches step-son being the one collecting. i have long suspected joey burris of foul-play.
It would be interesting to know how many more homeowners will be or have already been victims of this fraud. There have been a lot of foreclosures in the Shappard Hills Subdivision also and these were by the same builder.If more are affected they all should be compensated for the problems they have suffered.Maybe the first people this happened to thought they were alone and there was no recourse.I hope every one affected recover thier losses if these vultures have to sleep in tents.Let them see how it feels to lose thier big houses.
Don't take my post wrong I was in NO WAY taking up for Henderson. I was just wondering why it took 2 years for the mortgage company to foreclose. The only reasonable answer would be that he was actually making payments at one time.
As far as the comment that maybe henderson fell on hard times, well if his house is not in foreclosure its because he paid for it with these folks money, yes its posible we can say hard times, but that's the reason these folks credit is not the best in the world, ask them about their hard times and the hard times now, I'll be the henderson's still have filet mignon.
sorry I didn't state his name, Joey Burris
In time all will be revealed, roger riches step son was the on collecting the moneys weekly.
I have already made a comment, just wanted to add more, Holly Hecathorns husband is a veteran also, served in desert storm, I apologize for I can't remember his name this morning. This has been goin on for some time in other subdivisions also, who knows how many other veterans have been victomiized by the same injustice. How can these folks that are involved in this scam go to church on sunday morning, thinking god has blessed them with their fine house and fancy cars by scamming less fortunate human beings, do they not understand the principles involved with being honest so all americans can have and own their home. There's nothing wrong with being wealthy and having nice things, but not at the expense of others, particularly when some of those are serving in the military so you can enjoy your life as an american, in the united states, I sure hope these issues get to president bush and some of our newly elected officials perticularly obama, edwards and mccain, these are the neighborhoods they need to come to during their campaigns, I know they are on their ways to tennessee, if not already hear, I'll be happy to meet with them and be a pig and squeal, anyone else want to become involved, don't just let this become swept under the rug, I know we have decent and caring and honest realtors, loan originators, leaders, law inforcement, others in shelbyville and surrounding counties, if you don't want to use your name use mine, it's (TOMMY N. HAY SR). if I was to go down a martyr I want it to be for something godly and for the right reasons rather than something foolish like the terroist we are combating. All I am is an innocent individual with no issue with these folks rather than having family and friends that have been victomized for only wanting a home for their children. Is that so wrong. Have we as a society stooped that low, I pray not.
Sincerely,
Tommy N. Hay Sr.
It seems Mr Henderson lives in Murfreesboro in a $300,000 home. Makes you wonder if his house is under foreclosure also...but No come to think of it I guess he was making plenty of money by not paying the mortgages of his leased to own homes to pay his house payments, wasn't he?
According to the tax records Henderson owns 5 homes in Greystone Estates are they all having the same problem?
It also seems Ms Worrall owns 4 more homes in Bedford County, Not that there is anything wrong with that, unless she is making money at the expense of other people.
The thing that really bothers me about this is Henderson bought all these homes within about a week a part 2 years ago.(Which Nothing is wrong with that) So he MUST have been making payments before now I don't know of any bank or mortgage company that would wait 2 years before they foreclose.So do you think maybe he started out doing the right thing and just got in over his head? (not that it makes what he did any better)
I'd like to thank the news media for airing this issue, though I have regrets that they didn't air a few of the important issues, such as not only do most of these families have children at home but some children with health problems, and some of these folks are veterans that have served your country for the freedoms we enjoy, but not the freedoms that these individuals think they have to victimize innocent hard working, tax paying people of bedford county so they may live in their huge homes and drive their expensive autos to show off their egos at expense of others. Yes I'm Tommy N. Hay, not only a retired real estate agent, but also a retired veteran of over 25 years serving your country as a vietnam veteran, serving also in desert storm, and resently serving and supporting the troops in Iraq, My son is a career soldier and my son in law also. Tim Kreig is married to my neice, also serving your country and resently in iraq also, and their are other veterans also. This is shame, shame, shame, and all of shelbyville residents should come together to stamp out fraud and unjustice to its citizens, this includes our leaders unless they are on the take, then we don't need you. I wish for all our church leaders to have their flock to pray about this and god will burden these folks souls and they will act to correct all these scrubious deeds. There are others involved, you know whom you are and we're learning day by day, your judgement day is coming. Team Tommy will not stop. If anyone in shelbyville or surrounding counties have knowledge of any of these individuals, or others associated with them, or you have been a victim of fraud by any of them please email me at tmixer5@gmail.com or write me in shelbyville at P.O. Box 1101, lets put these folks to rest. If you have any relevent information do the same, lets work together for once. Don't let these veterans down, or our fellow americans. God has the answer, we need to find it, there are many others harmed by these low lifers. As for the comment one of them made to the news media, god rest your soul, for we know differently, but you just go on and keep trying to belittle these folks, I have your number, (DUDE). More to come, may god bless us all and put his mighty hand on the victomizers so they may repent, and come clean and attempt to clean up the mess they have caused.
Thank You,
Fellow americans
Tommy N. Hay Sr
Retired Veteran
Union....thanks for putting up the link to the state web page. I meant to do that myself today but got busy and never did. You're exactly right about two people owning 10 houses and all of those houses are on one block. We bought ours as did many others on Greystone Way. We were part of the first ten homes that were built.
We were told from the beginning by the seller at AVH that the homes on Christopher Court would not be rentals--that someone bought them to re-sell. However, that obviously didn't happen. We asked the seller point blank about it and his response was "one person bought them all for re-sell"
I don't know what will happen back there, but as a home owner, we (and our neighbors) aren't happy that those homes have been rentals because so many people have moved in/out in very short periods of time. I'm not saying that to offend anyone who lives there now, but we had a known drug dealer living on our street in a house owned by one of the individuals mentioned in this news article. We watched the Sheriff's Dept. and Drug Task Force raid that particular house one night last summer. So.....it makes one wonder just who is living in your neighborhood, right around the corner? Things like that will only bring my property value down when/if we get ready to sell our house because of the reputation that will have been established as a result of all this crap.
http://www.assessment.state.tn.us/
Wake up and smell the roses. 2 people own 10 houses in greystone estates. You can tell 5 houses were bought in 3 days. Must of been hard making all those closings. Public record? Wonder who handled it? It would take me about 5 minutes to figure it out at the registar of deeds office. I bet John Reed is snickering now!
Type in Quarry Street. Funny how so many houses built by American Value Homes are still up for sale after 7 years! Don't take a rocket scientist!
loblert
That was a very good post very thoughtful and true.
I do not know that the builder of these houses was involved in any way here. The authorities should determine that through a thorough investigation. But, in response to some comments to the contrary, here is how a "no money down" builder COULD be involved in such a scam and could profit greatly from it:
First of all, lets assume that the builder is not just a builder like the ones you meet at church. Let's assume that builder is a huge, 1,000 house, two hundred million dollar operation encompassing a captive supply company, appraisal company, finance company, title company and mortgage broker. Since builder is a mortgage broker too, this means that he arranges the mortgages on the houses he is selling and then sells the mortgages to banks for a commission. That is often the case with large, multi-million dollar "no money down" operations. Let's assume our hypothetical builder has an inventory of 50 hard to move unsold houses on which he is paying interest. More similar houses are under construction and builder / mortgage broker wants to clear out the difficult inventory. Builder / mortgage broker might instruct his sales persons to be "aggressive" and "creative" and find a way to sell. Let's assume the aggressive, creative sales persons line up ten middle men who are willing to ruin their credit in exchange for big profits. The builder / mortgage broker could arrange for each of the ten middle men to buy five homes at highly-inflated prices. The middle man would not care what the price is since he does not intend to pay back the loans. In such a scam, appraisals could be provided by the appraiser who works for the builder / mortgage broker at whatever valuation was required to get the mortgages done - no matter how inflated the sales price. Then the builder / mortgage broker could arrange "no money down" loans for the middle men. In such a scam, each middle man might get loans with five different banks on each of the five houses he is sold. But because the builder acts as mortgage broker on each of the five loans, he prepares all the paperwork and he is able to hide from each of the five banks the fact that four other mortgages are being taken out by the middle man / borrower at the same time. Also, if this scam were done, the builder / mortgage broker would able to hide from each of the five banks the fact that the buyer / borrower / middleman is not going to live in all five of the houses as required by the loan agreement - something that would have tipped off the banks.
So in this example of a hypothetical scam, builder has sold 50 houses at inflated and profitable prices, cleared out its inventory to reduce interest expense, sold fifty appraisals, and arranged 50 mortgages with nice commissions on each mortgage. The middle man has profited by pocketing the "lease to own" money. So everybody wins right!! - oh yeah - except the poor people who lost their homes and the taxpayers who will foot the bill to clean up the economic carnage from such scams.
I have no proof that anyone did anything wrong and I am not making any accusations. I am merely suggesting that it is disingenuous to suggest, as some in this forum have, that there would be nothing in it for a builder to participate in a scam like this. That is why there should be an investigation so the chips can fall where they may.
With only a fifty house scam at $200,000 per house, a builder could gross over $10,000,000. I have heard that sometimes people will "bend the rules" when $10,000,000 is at stake.
Why would they need any better credit than anyone else did? They have lived in these homes for 2 years without missing payments, that has to mean something! And your wrong you can buy homes much cheaper than 5 or even 10 percent lower than market value at a foreclosure sale. People selling their homes now just straight out are not getting market value for them because of the housing slump. Seems to me the perfect time to purchase a home.
-- Posted by Dianatn on Fri, Jan 25, 2008, at 3:27 PM
Actually Diana, if the landlord does not report to the credit bureau then these people making their payments on time doesnt mean anything at all. If they had bad credit when they leased the home then chances are its not alot better now. Sad but true. I feel sorry for the people in this mess, but hopefully as Mr. Krieg stated this can help people in the future. If you cant purchase a home through the bank because of bad credit, then just pay off your debt and repair your credit. Dont get involved with these stupid lease purchase deals with unsavory landlords.
They would need very good credit to do that. Plus, they would be bidding against anyone else interested in buying the home. You might buy it for 5 - 10 percent under the market value, but not much less than that.
-- Posted by Richard on Fri, Jan 25, 2008, at 2:22 PM
Why would they need any better credit than anyone else did? They have lived in these homes for 2 years without missing payments, that has to mean something! And your wrong you can buy homes much cheaper than 5 or even 10 percent lower than market value at a foreclosure sale. People selling their homes now just straight out are not getting market value for them because of the housing slump. Seems to me the perfect time to purchase a home.
MTSUALUM
You believe what you want to but it still smells like a scam to me. Strange how the same people own all these homes and everyone of them are being foreclosed on isn't it?
It will all come out..sit back and watch!!!
MTSUALUM....aman and aman to your posted comment! - you hit the nail right squarely on the head!
What if they went to the foreclosure sell and bid on their own homes with an open loan from a finance company? And "what if" Nobody was there to bid against them? Wouldn't they come out ahead by actually purchasing the homes at foreclosure below value of the homes?
-- Posted by Dianatn on Thu, Jan 24, 2008, at 6:46 PM
They would need very good credit to do that. Plus, they would be bidding against anyone else interested in buying the home. You might buy it for 5 - 10 percent under the market value, but not much less than that.
I bet there are no Somalians in that area. If they got took somebody would lose his head.
Ok first thing....this had absolutely nothing to do with the builder. How could this benefit the builder? These homes were obviously purchased for rental investment and then foreclosed on. Secondly...if there were signed lease-to-own papers by both parties and proof of that, then... yes that is illegal.
In response to all the foreclosures, not only in Bedford County but nationwide, many are subprime loans with adjustable rates, which is stated in mortgage papers that there will be a rate increase. Mortgage companies have been forced to file bankruptcy due to subprime loans.
It is interesting how people love to blame others for bad choices. Hasn't it just become status quo now?
breal.....There are only two families that live in Greystone who are Hispanic and both are home owners. My husband is friends with one of them but we do not know the others. They take pride in the appearance of their homes, are always friendly and speak when they see us outside.
Dianatn---the houses were sold by American Value Homes...not sure if they are the same as American Home Value or not.
Sounds alot like another Enron, just on a small scale...
HELLO, MIDDLE CLASS AMERICA IS ERODING, with no help from giant companies, who only care about one thing, bottom line.. Profit isn't a bad thing, and never should be considered as such, SO LONG AS... nobody is harmed, misled, or scammed in the process...
There must be legal recourse for such an obvious scam operation...
I'd wager the real estate scammers seek out the least worldly people they can find.
It wouldn't help them to use people who could detect the parts that didn't add up or who sought counsel from a bank or lawyer,etc.
They have to be pretty desperate to deal with ordinary,working class families.
(All the non-English speakers,kids and afflicted people must have been taken.)
Maybe they could be compelled to build state-of-the art homes for these victims with all expenses for relocation,construction,etc. coming out of their pockets.
Hmmm...I wonder if they ever got around to building condos where highways were going to go.
How many times can one get cash for the same property?
i wonder how many mexican that live there got rip off i was wondering how so many could be buying homes with no credit
Were these American Home Value or American Value Homes? or are they the same company?
Now wait a minute! There has been a lot of slanderous remarks made on this page about Mr. Roger Ritch. I do feel for the victims involved in this mess, but we must remember that we don't know all of the facts. We do know that the Henderson's had an apparent role in this, yet their names have not been widely dissed in this comments section? Folks, don't take for granted that Roger Ritch is evil and automatically guilty of any wrongdoing. I know Roger Ritch and I also know firsthand that there have been alot of untrue accusations told around this town about him. In all fairness, don't judge Roger Ritch until all the facts come out. As you look around, you can see that he is not the only businessman, realtor or builder that has popped up subdivisions and sold houses in this city and county.
Oh bless your heart
I hope everything works out for everyone out there.
Dianatn -
That sounds great it would be great if this would all work out to benifit these people. Lets hope that this is what happens for most of them..
We are holly and bill heckathorn's mother and step father. We saw first hand how devastating this was to their family.We drove 5 hours from georgia to help them move shortly after the new year.There christmas was a nightmare...their future scary, to say the least.They had all this hanging over their heads while trying to put on happy faces for their 3 children.This ring of people that are involved in this scam, seem to prey on people with bad credit, like so many people do nowadays, for whatever reasons.They thought this was their break;a way to finally own their own home and give their children a sense of security.Their "on time" payments helping them to get better credit. SHAME, SHAME, SHAME, on you people who are involved in this ugly deceitfulness. By the way, on the day we were moving them out...it was their daughter's 6th birthday.We spent it that night on the floor with one lamp, and a cake her mother managed to bake, with hardly any cooking items...they were already packed...and no sound of happy little voices having fun at her birthday party like was promised before...before all their happiness and sad sense of well being was ripped away so cruelly! No, you cruel people probably woudn't be reading this anyway...because you all are most likely driving to each other's big fancy homes in your nice fancy cars and deciding which vacation island you're all going to escape to until this all blows over.well,
dont't rest easy...my daughter will not rest until justice is served...so all of you people out there that this has happened to, stick together and justice will be served.
Where is all the paperwork? If contacts were signed then isn't there some legal recourse?
I hope that the big richy people get what they deserve and more. I now that the people on Christopher Court is having a tuff time right now and i just want all of you to now i am praying for each and every one of the families. I hope they even put a new law out were these people can not hurt any more families in the future. THis has went on long enough and their is still one indavidual who is still advertising houses in the news paper.
THANK YOU
Ok I was thinking...(sometimes that's dangerous) Maybe some bank or mortgage company would be willing to help these people out here..?
I know when you are under foreclosure you can not go bid on a house with your name on the deed but these families are not on the deeds. What if they went to the foreclosure sell and bid on their own homes with an open loan from a finance company? And "what if" Nobody was there to bid against them? Wouldn't they come out ahead by actually purchasing the homes at foreclosure below value of the homes? I also realize the bank or finance company would still want the balance of the loan but it would be wanted from those who have been cheating these families all along, they are the ones who actually have the loans..
I fill so bad for these people. I hope you all the best. I hope that these peoplt that have done this to all of you get crimanl charges and have to pay back everything.
So I guess anyone who has purchased a home through American Home Value that don't pay their mortgage to a finance company should expect the same thing?
I am with you though I believe American Home Value has a hand in this because you are right they sold to everybody and anybody. I know people who have bought homes out there that didn't even have jobs. What company in their right mind gives someone a home loan when they don't even have a job?
Well, I don't know about other houses that Ritch has built, but as a homeowner in Greystone Estates, I can say that it took much longer than 30 days to build the houses that are there. Personally, we have not had any problems with anything in ours as far as structure, things tearing up, etc other than a few VERY minor things when we first moved in and those things were taken care of in a timely manner. However, I'm not saying that I approve of the way the folks on Christopher Court have been treated and kept in the dark about foreclosure, etc.
Looking back, yes, we may have paid a bit more for our house than it was worth, but we found legitimate financing on a house we could afford and moved to Shelbyville. Having not lived there for a few years, I had never heard the name Roger Ritch but after the fact, I sure heard plenty. I guess hindsight is 20/20 because if my husband and I had known then what we do now, we would've never considered buying there.
As far as the interest rates, that's up to the financial institution to determine, not the builder. But, regardless, I feel there was a lot of deception going on when the individuals who purchased the houses on Christopher Court started to fill them under the guise of a "lease/option to buy" agreement.
Wow Roger Ritch and his foul bunch at it again. Its bad enough the houses are built in 30 days by less than caring people , whom then over charge for these houses, jack up the interest rates... then lets jerk em out from under the hard working people who have purchased them... Only to resell them to another unsuspecting family! Some one needs to get him and the rest of the bunch at American Value Homes!!!!!
This article has been sent to the state Attorney General's Office. I would imagine the attorneys in the consumer fraud division will be interested in this disgraceful scam.
kreigt,
My husband and I own a home on Greystone Way and I had heard a while back that the houses on Christopher Court were being foreclosed on. I really hate it for all you guys back there. I didn't put much stock in the hearsay from others until I saw the notices in the T-G recently. I hope it all works out for each and everyone of you and that the home owners are dealt with harshly for putting you all in this situation.
American Value Homes aka "Roger D. Ritch" sold these home to ANYONE. They did a paper chase and the individual who claims to of bought them is probably tied in to Ritch.
I just hope the peolple that did this get what they deserve. I really did not want anymore people getting hurt by these people, that is why I came forward. We have enough trouble in this day and age trying to make ends meet without having to deal with people like this. I want to thank the T-G for printing the truth about this situation.
This is so typical of this area. I remember seeing signs in '04 around the office of that subdivision and went in to ask about the no money down so-called program. The man in there said someone else would be getting back with me. Sounded fishy when he wouldn't answer basic questions and I walked out. This needs to get to the major networks. This is awful. And these are the people that are making up this so called mortgage crisis. I read a story about a similar situation that happened around Detroit. Are we tax payers supposed to bail this scum out of these mortgages? Hurry, someone grab the lynch rope.
I sure hope there are criminal laws on the books to address this kind of fraud, and that these scumbags get what's coming to them.
One has to wonder what role American Value Homes may have played in this. Local law enforceme t should investigate immediately.
This would be one time that I sure would like to serve on a jury if this goes to court. I also agree that the people who committed this fraud have to be the lowest scum on earth and prison is even to good for them.
I just hope that they are not big buddies with some of the big wheels in town or it will get swept under the rug like a lot of other things do here.
"THAT IS MESSED UP!" I wonder how many more of these NEW SUBDIVISIONS they been throwing up everywhere are in the same situation. Some of the houses I have seen are gorgeous but they are all crammed so close together with no yard to roam.
Makes me SICK to see such trickery and schemming going on. Someone trying to get over on innocent people; they'll get it in the end 10 Folds. Hopefully the Attorney's will make sure that these forclosures are not goin to be put on the families that have been victimized here, and that they are compensated for their loss.
Shelbyville sure has been a "TARGET" for alot of "MESS" lately. Enough is Enough!!!
This is cruel to be putting these families through something like this. I beleieve these people that have made all these people pay out so much money to have a place to live, then they should be able to get what they have paid out and more for the pain and suffering they are going through. Next, this business or whoever they are should be shut down and not be able to practice any kind of business anymore and be fined.
I can not believe that any person would do this kind of thing to these families. The people who committed this fraud have to be the lowest scum on earth. I hope they are taken to court and go to prison but I doubt that will ever happen. I just hope someone helps these people find a new home.