EFI investors, creditors planning participation

July 9, 2008

By DANIEL BLACKBURN

Investors, builders, and creditors misled by Paso Robles hard money lender Estate Financial Inc. (EFI) are forming a pair of “advisory” committees to participate in an upcoming series of bankruptcy hearings and related actions promising to be both complex and convoluted.

Meeting privately Tuesday at the Carlton Hotel in Atascadero, 53 people financially entwined with the sinking financial institution laid plans for keeping abreast of, and contributing to, future federal court proceedings.

Chapter 11 bankruptcy filings – one voluntary, one not – have stopped the once successful EFI in its tracks. Karen Guth and her son and partner, Joshua Yaguda, EFI’s two principals, resigned early this week and have been replaced by new managers.

“You have now been heard,” developer Ron Cooper told the assembly, attempting to reassure those in attendance that their views would be articulated, and their presence felt, as the pair of bankruptcies wind through the courts.

Cooper organized a group which pushed the Estate corporation into involuntary bankruptcy in late June. Guth and Yagunda followed that action by voluntarily placing the EFI Mortgage Fund LLC under Chapter 11 reorganization protection last week.

Guth and Yaguda “did the smart thing” by resigning from EFI: “They gave up. They really had no options,” said Cooper.

Cooper said he expects three to six months to pass “before we all have a clearer picture of what happened and where our money went.” He told the crowd, “I borrowed from a crook, you invested with a crook. And we all know what happens then.”

EFI’s new chief executive is M. Freddie Reiss, said to be an expert in restructuring companies. Bankruptcy attorney David Gould of Calabasas will be the mortgage fund’s new manager.

The investor-builder-creditor committees — one monitoring the fund bankruptcy and the other the corporation – will each have five to 10 members and each will have legal standing during all upcoming proceedings.

Tags:, EFI, Estate Financial


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Stefan

By: Anonymous on 7/13/08

This article was updated in May. It seems the Department of Real Estate was quicker to act here than with EF. It is still a good template on what will happen with Karen and Joshua because the authorities have been a little more aggressive with Cedar Funding.


State says mortgage fund owner loaned himself $38 million

The Associated Press

Article Last Updated: 05/20/2008 05:30:23 AM PDT


MONTEREY, Calif.—The California Department of Real Estate says the owner of Cedar Funding loaned $38 million to himself and one of his businesses from the firm's mortgage fund without telling investors.

David Nilsen's real estate license has been suspended and the department ordered him and Cedar Funding Inc. to stop servicing loans while it investigates the transactions.


The department also alleges Nilsen recorded mortgages in the name of his solely owned Cedar Funding rather than in the names of his investors. Investors want Cedar Funding placed in receivership.


Nilsen and his Accustom Development LLC allegedly borrowed nearly $38 million in 26 multi-lender loans.


Monterey County prosecutors and Monterey police are also investigating Nilsen.


———

By: Anonymous on 7/13/08

Trying to interpret all that is being said here. Will K and J be responsible to respond physically and under oath in the EFI involuntary because at the time they were the officers? But K and J won't be attending the voluntary Fund BK nor answering any questions in court because the hired new officers before the BK? True or false?

By: Anonymous on 7/13/08

Jean


The questions will be to Karen and Josh. they were the principals of EFI.

By: Anonymous on 7/13/08

I thought K and J resigned, i.e., they won't be participating in any of these question and answer sessions — You'll be asking questions of the folks who are putting forth the new plan for reorganization. Right? K and J are history — until somebody is confident enough to file a lawsuit — You are confident, right?


It's interesting reading all the different interpretations of BK procedures. Almost makes me want to read up on the subject. I guess I'll leave that to the BK attorneys.

By: Anonymous on 7/13/08

Get Serious


are ou saying that any court action, judgements against EFI is stopped, however not against Karen and Josh if they were named in an action as individuals?


Stefan

By: Anonymous on 7/13/08

Insider:

Not quite, here's how it really works:

The EFI involuntary presently isn't stopping anyone from doing anything…(until the court rules favorably on the petitioner's request)..

The EF Fund LLC bankruptcy only stops pending civil and collection actions against the EF LLC (i.e. the court examiner effectively stopped in his tracks).

The bankruptcy "stay" doesn't protect the principals personally unless they file personally, or get the bankruptcy court to extend the "stay" to their personal assets….(pretty rare).

Read about it for yourself…11 U.S.C. 362(a).

And if criminal proceedings are ever started….the bankruptcy stay doesn't have any effect on the prosecution.

That's how it really works.


Seriously ….

By: Anonymous on 7/13/08

Bankruptcy will provide absolute protection from other attempts to collect directly from the principles of EFI will be had unless fraud or criminal acts can be proved.

By: Anonymous on 7/13/08

anon:

True, there will be such a hearing (an 11 U.S.C. 341a hearing), and an initial opportunity to ask questions under oath, but there's simply no way that all of the questions can be asked, (a matter of logistics)…and the U.S. Trustee can call the hearing complete when the surface has only been scratched…..as creditors can always continue their questioning under a Rule 2004 examination, and thereby go into complete detail (see earlier post). So don't be surprised if the hearing you're anticipating doesn't quite live up to your expectations…….

By: Anonymous on 7/13/08

Get Serious


A debtor examination will take place where both Karen and Josh must appear. Anyone with claim can show up and demand answers about their business activities. They must answer honestly, under penalty of perjury. If their examintaion doesn't finish or claim amnesia, they will be back for more scrutiny. Evry word they utter will be recorded for evidence if must. EFI's activities and practices being so closely monitered by the FBI, we'll have answers that could be devastating to both Karen and Josh.

By: Anonymous on 7/13/08

I was at a recent meeting about Realty Investments (REIT) scams in the Central Coast held Saturday in Santa Barbara. I learned a Lawyer named Alan Bergfeld is a " House" Attorney for a big hard money lender in the SLO area and his client has filed several Major Noticed of Defaults against this Hertel/Fowler group, and that they also will be filing more to seize at auction many properties. This developer was cited recently for some bad stuff in Diablo Grande Legends, LLC did anyone else attend this meeting if so could you post me an email, since is sounds like the out of town people are up to something to get their monies and screw us locals.

By: Anonymous on 7/12/08

Insider:

The fund LLC is in chapter 11 by their own voluntary filing. Under National Bankruptcy Rule 2004, any creditor (and perhaps any interested party) can apply to the court for an order allowing them to take a 2004 examination of Karen and/or Josh, or whomever else has the information you seek. It's like a deposition… Add subpoena power to that, and you can actually require them produce copies of the notes and trust deeds you seek….

I suppose that if all you want are APN's you could ask them to produce those records as well.

This is a little stronger than simply asking for the documents….if the person doesn't comply the bankrupty court can hold them in contempt..

Unfortunately, it's going to cost some $$, but you don't have to file a lawsuit to get going on this concept….

(and I do recognize humor when I see it).

So,….you were saying?


Stefan

By: Anonymous on 7/12/08

Its seems that investors should not just rely on lawyers and the court, let along anyone under the influence of Karen and Josh, etc. It seems that an immediate concern is to obtain whatever degree of witness about what is actually taking place in the EFI offices….NOW….and until some external authority has taken control of the premises and its documents. Is it possible to organize an identified group who will act simply and peacefully as observers (non-confrontational and possibly as photographers) outside the office. As unlikely as it might seem, still it would be ideal to propose to have two "qualified" persons also within the offices during normal business hours to also act only as observers. Could there be a motive for Karen and Josh to accept such minimal oversight? Would it constructive or easily manipulated? Would prospective members for the two BK investor representative committees be appropriate participants in this activity ?

By: Anonymous on 7/12/08

Did Karen lend to Hertel and if so how much?

By: Anonymous on 7/12/08

I saw that troubled SLO builder Hertel and Fowler were cited in a environmental crime. http://www.hadd.com issued a National Press release on them 7-11-08 my bet is they will be bankrupt by August.

By: Anonymous on 7/12/08

Anyone know what Pismo Beach money man Alfred Nevis has in this matter. Oddly he came into some large amount of money and made a $ 25 Million Dollar offer to buy out Diablo Grande in Patterson, CA ??

By: Anonymous on 7/11/08

As for Mel investing in the Fund and then getting it back. No other Fund member had anything recorded at the recorders office so your explanation is a question mark to me?

By: Anonymous on 7/11/08

What was the value of the three deeds that Mel transfered to the Fund? I know Fund members and they never had any individual properties to even reconvey to the Fund nor did they have interest (assignment of deed of trust) to ever reassign back to the Fund. So are you saying he had first trust deeds originally from EFI and then they were assigned later to the Fund, these properties were then sold, money was then created and he was paid back?

By: Anonymous on 7/11/08

To Don't Get It:

Mel gave let's say $1000 to Karen to invest in the Mortgage Fund. He now has $1,000 interest in the Fund. In order to have his $1000 returned to him, he would need to assign his $1000 interest back to the Fund (where it could be sold to another victim). Now, since he assigned his $1,000 backk to the Fund, the Fund pays him back his $1,000.

By: Anonymous on 7/11/08

What I don't understand about Mel's properties is:


Did he have property given to him by Karen or EFI first


Did he later give it back to the Fund


Why did he have the property put in his name the first time around anyway?


By: Anonymous on 7/11/08

Here is one for the books the Modesto Bee is reporting RW Hertel & Sons and owner Robert Fowler are facing Jail and a $250,000.00 fine for some dangerous water issues in there now defunct project RWHS Diablo Grande legends, LLC I was told a story in the Modesto Bee as of 6-26-08 and a reporter from the Sac Bee has connected them to several fraudulent local deals gone sour, some in Paso and Atascadero as well. The state investigators are interviewing home owners at the end of the month in SLO on there defective homes and fraud.


Stefan

By: Anonymous on 7/11/08

Mel got your$400k and sends his regards!

By: Anonymous on 7/11/08

I invested $400K in the mortgage fund over a period of several months… with the understanding my $$$ would be returned to me by the end of 2007… I sent a certified letter (Oct. 2007) requesting the return of my $$$…

No reply… no $$$… no explanation…

Lots of promises for $$$ down the road… but now… well… who knows…

By: Anonymous on 7/11/08

Jill, Oh Yes the FBI and IRS are aware and are doing what they can but it takes time and witnesses and victims. All is ongoing according the S/A's who interviewed us last month.

By: Anonymous on 7/11/08

Jill, the meaning with these companies they were "Fronts" as illegally concealing of monies via a Wine & Investment business it was all a scam to hide monies they used State Alcohol License #'s 451111 and #451089 in order to hide assets from creditors or others they are now transferring the business into one of there silent partners Vance Rose it is in Escrow under a front name with Cuesta Title on Tank Farm Road Martha S. is handing the escrow and if any one has a claim they only have two more weeks otherwise it is all gone… it is a Ponzi Scam moving from one LLC to another all trying to keep the culprits and principals protected. There are about 7 different LLC's LP's and a few Holding Companies involved as well as a couple of Investment Companies all tied to 5 people whom this site has exposed, including massive Liens and HOB involved in protecting the account holders only until they money is out of the Bank.

By: Anonymous on 7/11/08

Just giving Mel the chance to be forthright. You know, help the investors. The job he wants to complete. How could he be trusted if he can't answer this simple question?

By: Anonymous on 7/11/08

Mel isn't going to answer. If you want the answer, go to the Clerks offie and look at the recorded deeds. There in blank and white is your answer – he, his wife and family trust were paid off. Period.

By: Anonymous on 7/11/08

Mel signed his interest (assignment of deed of trust) back to the MOrtgage Fund. Let's say his interest was $1,000, that means that the Mortgage Fund would now have his interest of $1,000 and Mel would have the $1,000 in payoff cash.

By: Anonymous on 7/11/08

Sleeper – you are only giving us bits and parts. What is the significance of this Rose Wine Group and Verdot? You say follow the money trail but the average Joe wouldn't even know where to start. I can only hope you are posting to inform the FBI. Write me at fullyfunded93401@yahoo.com I'd like to know.

By: Anonymous on 7/11/08

to Mel


You want peoples trust. Why not answer the question regarding whether you got paid off on your investments. You obviously read this site. So what is it and if you did how did you get it done when no one else could?

By: Anonymous on 7/11/08

I do not know how practical this is, but, it is a sure bet that they have not paid property tax on these properties.

But, if you were able to get that list you might start finding some of the properties.

The other possibility is that the properties can be searched by "MAIL ADDRESS" for the taxes. That might shed some light on things.

By: Anonymous on 7/11/08

To Confused:

Mels interest was signed back to the Mortgage Fund, not EFI. This is a payoff. Pull the deeds at the Recorders Office and see for yourself.


Stefan

By: Anonymous on 7/11/08

Back to Mel…if the three deeds were assigned BACK to EFI on 12/12/07, then why is that seen as a payoff? Sounds like his money is still in the fund..am I wrong?


If so, please clarify for me and other stoopid bloggers

By: Anonymous on 7/11/08

to Get Serious


You need to get real. I know a sense of humor or irony is hard to maintain during this but I was being a little sarcastic in my comment which was directed at Jean and her big idea to get BOA to bail this thing out. My point was you can't even get apn's of the properties owned be EFI and the FUND so how could you ever think of providing the kind of consolidated information that would attract someone to buy the whole enchilada. Mike Knecht seems to be one of the few that gets it. Someone needs to go in there and fully organize the information before anything can be done. Hopefully these bankruptcy reporting requirements will force thier hand. It seems like they are trying to put another stick in the investors eyes with all these high priced attorneys and managers as a final "I told you so" and if they drain the buisness dry as a final act of revenge they will only anger people more than they allready have.


By: Anonymous on 7/11/08

Well folks all your blogging and silly talk and wasting of time has screwed you. Verdot is moving what is left of assets to another firm named Rose Wine Group, LLC Cuesta Title is handling the escrow soon the money will be gone.

By: Anonymous on 7/11/08

Dear Get Serious;

APN’s only represent a place to start. You can see who is listed as an owner, you can see what the property is appraised for as far as taxes are concerned and you can see who bought which houses if the property was a development like Regio Place in Atascadero. You can also see what taxes are owing and what LLC the properties are being held in now.


It would be very nice and quite informative if you had a copy of the deed of trust but the point here is you can get NOTHING from Estate Financial regarding the property that is allegedly being held as security for loans.


You sound like an intelligent, knowledgeable person but in my experience there have always been two types of people when it comes to Estate Financial. Those who have actually gone down to Estate Financial and ask in person for specific information and those who have not. If Karen would share the deeds of trust that would be great but that has never been the case. The APN’s simply represent something that is supposed to be available to the investors per the operating agreement but never have been. You have to have the APN’s to pay the taxes or transfer title and those numbers are readily available to Estate Financial but if you try and get them you are stonewalled or told to have your attorney must be involved. If I am wrong and the deeds of trust on properties in the mortgage fund are readily available, please produce them. You will be considered a great liberator and hero. If you can produce the deeds of trust or even find the deeds of trust for the mortgage fund your knowledge and expertise is without equal. I await any results and am gratified that someone of your capabilities is finally here to rescue me from the darkness that is Estate Financial. That sounds sarcastic but if you really can produce the deeds of trust(if any), I am not being sarcastic at all. In fact, I will hold a parade in your honor.

By: Anonymous on 7/10/08

APN's? You don't need APN's, you need copies of the notes and copies of the Trust Deeds. Getting someone to give you a list of APN's and Street addresses means nothing….the only valid "description" is contained within the trust deed….if you don't have that document you're only guessing (or relying upon someone who gives you APN's that equate to those descriptions…..). Someone can give you a list of APN's and you don't have a thing if you don't have Trust Deeds with legal descriptions ( Hopefully that describe the real property which will be the same as your list of APN's). So quit worrying about getting a list of APN's and start worrying about getting copies of the Notes and Deeds of Trust.

If you're working off a list of APN's that someone you have no reason to trust has given you…..then you're wasting your time. Get the Trust Deeds, and use a local title company to determine the APN's if that's so important. …Lot's of confusion out there, don't you think?


Stefan

By: Anonymous on 7/10/08

insider says:


well Jean or whoever you really are we still are going to need those apn #'s to sell


Before any sales can be contemplated, each property must be identified, appraised and eveluated by a ompetent person not Mel or company (Karen and Josh already proven incompetent) than the trustee can authorize sales. It will take some time.

Now why couldn't Karen be honest and do the same without resorting to BC by herself and the cerditors? On the other hand, if she was half as witted as she claimed to be we wouldn't here today.

Unfortunately the disaster she created was inevitable looking in hind sight.

By: Anonymous on 7/10/08

well Jean or whoever you really are we still are going to need those apn #'s to sell anything to anybody. So untill someone down there decides to let the investors know what they actually own nobody is buying anything.

By: Anonymous on 7/10/08

BofA still hasn't purchased Countrywide. But assuming they will….Countrywide generally made loans on homes….creative rates,and in many instances 100% loan financing for a purchase….If Countrywide crashes, it would effect the entire credit market. It's not unlike the Bear-Stearns purchase by JP Morgan.

If anyone (Jean) thinks that a BofA like "savior" is a reasonable prospect for the EF Fund, or the EFI investments, then it's logical to assume that they lack a financial education, or real world perspective. It would be analagous to Toyota Motor Company coming in and buying a small town Chevrolet dealership that's failing because the dealer was selling vehicles out of trust, and the flooring company was about to pick up all the vehicle inventory…..Ain't going to happen. So, it's not a matter of someone having their head in the sand…..It's just so far fetched, unlikely and illogical that it's ridiculous.

But then again….why should reason or logic now play any role in this fiasco?

By: Anonymous on 7/10/08

Jean says:


No, Anonymous, you're right — there is no hope, all is lost… bury your head in the sand. Careful your economic acumen is showing.


Hope is eternal. Somebody call the Bank of America!!!


I did not say to give up. I pointed out that BOA and others would not be interested in such a deal.

First of all, no one knows the extent of the situation.

Than this would be too small of a pc to bother with

and all the unresolved legal issues besides new ones that will be forthcoming.

If you were CEO of BOA would you take the thorn out of some one else's foot and stick it in yours?

No upside for any bog boys.

By: Anonymous on 7/10/08

No, Anonymous, you're right — there is no hope, all is lost… bury your head in the sand. Careful your economic acumen is showing.


Hope is eternal. Somebody call the Bank of America!!!

By: Anonymous on 7/10/08

It would lead one to wonder what Mel may have on them wouldn't it?


Stefan

By: Anonymous on 7/10/08

Mel McColloch: I personally am going to make sure that the BK Court carefully examines why you and your wife were entitled to be paid in Sept. while our interest payments were stopped and we were not paid.


You are obviously and self-serving insider and should not be anywhere near EFI. But more importantly, I am going to take it upon myself, using my own money if necessary, to be sure the BK Court makes you and your family repay the money you got plus interest.


You are a who_e and I am going to cook you for dinner.

By: Anonymous on 7/10/08

Jean says:


John — the most obvious route out of the forest — is an institutional lender, e.g.


Sorry, they wouldn't touch this with a ten foot pole.

By: Anonymous on 7/10/08

To Mel McColloch:


How dare you?


Mel McColloch, employee of Estate Financial, was paid off by the Mortgage Fund in September of 2007 – at the same time that interest payments to the rest of us stopped – at the same time that he was hired as a "consultant" by Karen. Three deeds were recorded assigning his interest (as well as his wife's and the family trust) back to the Mortgage Fund on 12/12/07 – document #'s 2007079636, 2007079637, 2007079638. The three deeds paying him, his wife’s and the family trust off were signed by Josh Yaguda and notarized in September of 2007 and recorded at the SLO County Recorders office on 12/12/07. Check the County Recorders Records.


And you expect to be kept on as a paid consultant? Do you think this new manager just fell off the turnip truck?


By: Anonymous on 7/10/08

John — the most obvious route out of the forest — is an institutional lender, e.g. Washington Mutual, B of A, which you may recall was willing to buy Countrywide. It could be done. Losses would be suffered, but money would be recovered – And NOW, not in five years. 170, or 340, it's nothing to these big boys. They're in it for the long haul, unlike the typical investor. In fact, I wouldn't be surprised if a deal was in the works right now.

By: Anonymous on 7/10/08

Yes Jean, I'd like to know what it is.


Jean wrote "There is a simple solution right in front of your face. Would you like to know what it is????"

By: Anonymous on 7/10/08

FYI,

my husband spoke with Josh yesterday at the EFI office.

It was business as usual.

I thought they resigned.

By: Anonymous on 7/10/08

I usually dont blog but I have filed complaints with all the agencies.

I have to say that I cant imagine any reason for Josh and Karen to work for EFI as consultents. I for one have given them enough ov my money.

By: Anonymous on 7/10/08

I have to agree with turning point. Karen and Josh have no business still being in that office and asking to be paid.


Stefan

By: Anonymous on 7/10/08

Yes John !


The point here is, there are a few who think inciting a riot is the way to get their money back. Do we really need to discuss whether that will work?


Yes, a trustee will be appointed. Yes, everything will be delved into, and yes there may be lawsuits aplenty in the future. For now, the BK Court will do its work and people, however upset about it, will just have to wait for things to work out. The object, to recover as much money as possible, will not be served by trying to pick a fight. That only takes things outside the legal context. And no, I'm not Josh or Karen. I'm not Mel. I respect your right to your privacy "Insider" and "Anonymous" — though I suspect it's the same person posting over and over again!


In truth I live far, far away, and I'm merely an interested spectator. I know the fact that I'm not an investor makes you think I have no right to spout off. But then, let's just suppose EFI isn't the biggest fish in the sea, and there are alot of people elsewhere being hurt by current economic conditions. Let's just suppose — EFI is NOT national news. It's purely regional, and I'm one who firmly believes that the only hope we have of dealing with this mess, or any other mess like this across the country, is to adhere to legal process, and tell those who would instead take matters into their own hands — that we don't need that.


There is a simple solution right in front of your face. Would you like to know what it is????

By: Anonymous on 7/10/08

Who are these 8 attorneys and how can we reduce their billable hours? List the attorneys and their involvement. That will be a good start for all.


You also say to complain to stop Karen, Joshua and preferably Mel. Will it even work? It appears the new managers/CEO are assuming their post not in the office but far away . That would make them paid 'fronts.' If writing a letter will work, great but won't a trustee be appointed soon and all this will be moot? Am I missing the point?

By: Anonymous on 7/10/08

If you ever want to see any return of your investment you MUST become aware of what is now going on.

Investors, this is the worst case possible.

At this point there are at least 8 attorney being paid from our remaining money. This will only increase unless we have a united front.

This is what we are getting from these 8+ legal minds.

Karen and Josh are being protected by the BK court. The legal action to remove them has been abandoned, and only ego,s are being heard.

Karen hand picked the new manager. Mel is still there and the new "manager" has not started. Honno Powell has been fired and his report is sitting in a box.

If all of this sounds awful here is the kicker.

Josh and Karen are still in the office doing what they do best. All of it self serving.

EFI has sent out an e-mail, to only certain investors, asking for support to keep Karen and Josh on as paid independent contractors.

Now they are protected by the court have no DOC or DRE responsibility and they want us to PAY them.

I am an informed investor and I am telling you all that Karen is playing us for all we are worth.

WE MUST ALL VOICE OUR INTENT

THAT KAREN AND JOSH ARE REMOVED FROM OUR INVESTMENTS.

This is not just another rant this is the turning point.

Please, for your own sake, call, e-mail, write a letter or go into EFI and demand that Josh and Karen be removed. Also refuse to pay them one more cent for any of their

expert knowledge of the company. Why would we agree to let them continue to drain our funds and hide their criminal behavior.

This is a priority, we must do everything we can to stop them.

I also want you all to think about how we can limit the number of lawyers that will get paid before us.

Other companys like EFI who got in trouble spent all the remaining money on the army of lawyers looking for billable hours.

If you have an email list of investors please forward this message and start a campain to

remove all of those who have ripped us off.


Stefan

By: Anonymous on 7/10/08

Karen and Joshua according to the reports no longer work for EFI. So what are Mel a consultant and them doing in the office. Who would let ex-empoyees have free run of the office. Fishier and fishier.

By: Anonymous on 7/10/08

fticonsulting.com

By: Anonymous on 7/10/08

to APN's


Please see my last post. Your right it didn't work and I redid it. The new one works.

By: Anonymous on 7/10/08

Unless Karen paid them in her gold bullions, I say, there goes the rest of our money! Unless, of course, they are just filler names until the trustee is placed. Hopefully placed by next week. We'll see.

By: Anonymous on 7/10/08

Insider – your link doesn't work? How about posting the website on the blog? Thanks!

By: Anonymous on 7/10/08

Sorry that didn't work try again with this link

By: Anonymous on 7/10/08

If the same players are at EFI, I'm not sure you'll get the APN list but it doesn't hurt to try. Does anyone know but can Karen sell real estate right now or is there a freeze on what she is doing? If you want the APNs write the new manager. Trust me, Karen has a list easily accessible. It should be the new managers job to quickly get it from her. If he can't, again somethings fishy.

By: Anonymous on 7/10/08

Please click on my name to link to the new managers web site. This appears to be a huge orginazation capable of finding the truth if they want to. At what cost I'm not sure. It's hard to believe this guy is sitting in EFI's office though. Check it out.

By: Anonymous on 7/10/08

That place is a freak show!

By: Anonymous on 7/10/08

I just called there— the new management is not even there yet— Lupe is gone, Laura is back, Mel, Joshua and Karen are all present!

By: Anonymous on 7/10/08

Before everyone goes storming down to EFI to damand APNs, maybe we shold give them a few days or even a week to get acclimated…..This is a monumental undertaking and doubt that they are even close to be up to speed on this.


I say give them a week to see where they are.