Inside the $15,000 Legal Nightmare Caused by a Police Officer!

That’s how far some borrowers—and their attorneys—will go when faced with financial pressure.
Here’s what happened:

The Absurd Allegations:
We caused “irreparable PTSD” through physical and emotional terror, claiming:

• His loan terms were “Criminally Predatory.”
• We refused to provide payoff figures, blocking his ability to refinance.
• We ignored all communication attempts for over eight years.
• We moved from “boiler room to boiler room” to evade him.
• And when he found us, I “physically restrained and tortured” him.

The Facts — During That Time:
✅ 90 Monthly Statements delivered
✅ 40 Late Notices sent
✅ 100+ Phone Calls placed
✅ 4 Signed Loan Modifications completed

Also:
✅ He made 50 payments — several in person
✅ His loan terms were:

• $100,000 balance
• 0% interest
• $100 monthly payment

🚨 And he was a police officer at the time.

The Outcome:

• $15,000 in unnecessary legal fees incurred.
• Integrity of the private lending industry damaged by frivolous, weaponized lawsuits.

🔍 Takeaways:

• Document everything, even when things seem fine.
• Use professional servicing for transparency and protection.
• Educate yourself — never stop learning.
• Re-evaluate partners regularly — people’s situations change.

🏡 The Bigger Problem:
Predatory lenders absolutely exist — and they harm real families and communities.
But equally dangerous are bad borrowers and corrupt attorneys who weaponize the legal system against good lenders.

They hurt the very borrowers they claim to protect — creating fear, driving up costs, and tarnishing an industry that, when done right, provides real economic and community benefits.

📚 Stay tuned for more real-world lessons, crazy true stories, and strategies to protect yourself and your portfolio.

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Cheers,