After a summary judgement in US District Court totaling almost 106 million dollars was handed down to Kyle and Julliett Kimoto Sept. 2004 for a credit card scam they ran. I was solicited by Kyle a month later on yet another fraudulent money lending scam , this time it was real estate loans. I was close to forclosure thanks to ASC (Americas Servicing Company) ,but thats another story, and looking for refinacing when I called Kyle at Safe Harbor Foundation from a mailer I had received.My world turned into hell after that.

Kyle was going by the name 'Kyle Reid' when I contacted him. Using fictisous names and corparations, 'Safe Harbor Foundation and Keystone Financial' ,tying up the money I had to pay my forbearence agreement and waiting right up to the time my foreclosure sale was to take place he got me to sign a loan agreement with a 30% mark up, a 6 month balloon interest only loan that had a deed in leiu of clause for noncompliance of loan agreement. I thought I could raise the money in time for the balloon and besides they are liscensed lenders this must be legal, right?

I lost my job 2 months after signing. I was 4 days late on my payment when they grabbed my title and had an eviction notice taped to my door along with a nasty letter 3 days after that. The letter made my wife angry so she started doing some investigating. The loan contract was illegal because it was created for illegal purposes ie niether Safe Harbor or Keystone Financial had licenses to do any lending or loan transactions in Nevada therefore went completely unregulated by state and federal agencies.The state and federal laws these guys broke at every step of this transaction amazed my wife and I as we poored over the regs thinking we had these low lifes.

I am writing this just days away from a court ordered eviction. I'm sadened by the absolute lack of concern shown by my state and federal government agencies that all agreed with me that laws had been broken but that ... So I can steal $80,000 in a mans home thats down on his luck and an easy target because he cant defend himself in some long civil court battle but steal a car you'll get arrested. Talked with FBI, Metro-Police.FTC,Fair Lending, State Attorney Generals office. Wasn't given a chance to present my side in court because my lawyer took my money and filed nothing in court.My wife and I will get back on my feet again, but I don't know about all those other people they did this to.


Kevin & Renee'
Las Vegas, Nevada
U.S.A.