Paul Wiltz of Monet Inc. Wonda McGowan, denita scott is a SCAM, FRAUD, SNAKE, LIAR and a THIEF. Memphis, Tennessee

Today I write my last and final response to the same recurrent complaints made by the same small group of individuals and their continued attempts to completely discredit me and MONE’T INC.

For the past two years this group has engaged in using Free Speech, this site and other internet search engines to launch these attacks in an effort to smear my name, integrity and credibility to the public.

Despite my posted rebuttals and responses from legal counsel, clients and colleagues angered by the false claims being made and posted by this small group their attacks have continued.

These bizarre cyber-attacks year by year shows a clear personal vendetta in which this group has gone to great lengths in posting the same complaints over and over again which other sites have picked up the same complaints mostly in verbatim for two consecutive years.

After my last response I decided to no longer participate (after two years) in this orchestrated madness.

The purpose of my response today disclosing detailed information is solely for my past and present clients. It is also for my participating lenders, investors and colleagues who have believed, maintained and supported me and MONE’T INC. DESPITE THIS CYBER ATTACK.  My response is a declaration to all the accomplishments and strides we have made. It is to acknowledge our collective efforts that have provided funding for the benefit of our clients in spite of the prevarications and false statements made by these individuals independently or collectively.

In addition I am compelled for the sake of my family and family name which is being attacked with an evil spirited zealousness to make this last response.

 This rebuttal is for my children, my two sons who carry my name. My youngest son is only three years old and he should have this from me to refer too. This response is for my daughters, the oldest who I named MONE’T after and my youngest that is 7 months old.

I made a decision a long time ago to devote my entire adult life (27years and counting) to banking, consultancy and financial services. I’ve made a personal commitment to advocate for small business development, homeownership, commercial and residential development and building bridges with financial institutions and private lenders and or investors as my dedicated practice and life service.

I will always stand for integrity, contend for honesty, and provide transparency and accountability to my clients and lending resources in spite of anyone who chooses to attack me for whatever reason.

Given this let me know disclose the following information to all who take the time to read this response.

On July 11^th, 2010 I suffered numerous strokes while working in Memphis in our newly based office.

The effects of the strokes caused over 30 plus consecutive grand maul seizures. Further medical examinations revealed several malignant brain tumors. These tumors are located in extremely sensitive regions of the brain. In addition another mass appeared outside of the brain visible to the naked eye located between the base of the skull and neck. This mass is also located in an extremely sensitive area and creates a high risk surgical procedure.

As with anyone who has faced or is facing a catastrophic and potentially devastating health diagnosis and condition, My Life Was Changed Forever!

I received initially six weeks of mandated treatments, medications, ongoing tests etc. where complete bed rest was required. The recurrent seizures and my weakened health condition prohibited surgery, until the seizures could be stabilized and I became strong enough to endure surgery.

This obviously created an immense amount of concern for my entire family and employees who just had been recently hired.  Despite the opinions of my family, employees and others, my commitment to honesty and transparency compelled me to disclose to our clients, lenders and investors my medical condition.

I refused to allow or use my health condition as an excuse for non-performance for our client’s period.

As I began to improve and against medical advice, I began to press forward to fulfill our contractual services for our clients, regardless of any force majeure provisions contained in our contract.

My decision made doctors, family and employees shake their heads in disapproval, however I continued to do my best to work. The choices I made to work and the struggle to find strength to do so is far beyond my vernacular ability to explain.

What I can say as a man who has unwavering Faith in God, is that I was strengthened to continue despite the hardship and challenges of both health and medical expenses and managing a company.

It is important for the reader to know that the parties involved in these posts were quite aware like everyone else. My illness became public knowledge to those to whom we were engaged with.

In spite of the daunting challenges and only through the Grace of God, patience and perseverance was I able to obtain funding offers for 90% of the clients contractually engaged during this period.

Obviously we have the copies of their offers to substantiate. The work weakened me and I suffered another relapse and stroke.  Family intervention and doctors in Chicago familiar with my medical condition insisted I come back to Chicago for treatment and my survival.

It sad but this group in their consistent complaints  wants the public to believe that we only are fee collectors which is completely not true whatsoever no matter how many times they posts the same complaints.

They want you to believe we lack the capacity and ability to fund. Simply not true. MONE'T has been in business for over 12 years now. We are an Illinois corporation in good standing.

We most importantly have a current (recent) list of satisfied client references obtainable upon request.

My most important desire to disclose this information is for my children and family, that there is a permanent record from me directly regarding this absurdity and vendetta against me, my company and family name.

My children will always know my love for them. They will always have the knowledge of knowing who their father is and what he stood for by the evidence of my actions not just the eloquence of my words.

For my infant children I consistently pray to my God in heaven that He grants me His favor and Grace to live long enough to raise them to adulthood with love and by His Grace. That they are able to see the example of my love, faith and commitment to doing what is right, fair and equitable despite the opinion of others.

I believe that by my faith they will be filled with the compassion to help others and look beyond themselves to do so. That they develop themselves as a light to contribute to this world in righteousness.

 MONE’T is selective in making sure that there is a good fit for both the client and MONET. We provide private consultancy, funding and technical assistance with the client’s needs being first. We advocate and establish opportunities directly with our lending and private investor resources according to the need of the client and market driven demands. Nothing will alter this perspective. This is what we are truly about.

Our business is referral based. Our opportunities to provide service comes from our clients, investors, banks, and most importantly our trusted colleagues,

We want to know our clients and their specific needs, motives and goals.

Our services are provided by agreement. We only go to agreement after we have thoroughly gone over your business needs with you and your team. Only when all parties are in agreement to the viability of your request do we move forward.

We do not chase deals nor do we worship money. We will not ask for an equity position in your project either. I know the importance of honesty and transparency to obtain market driven success for our client’s needs.

I am not advocating or saying that I am a Saint, unless you are defining a Saint as a Sinner who keeps on trying.

My life has been dedicated to having the courage to help people beyond their social status. I will continue doing so until my life’s journey on this earth has ended.

To my children, no matter what else is written attacking me and your family’s name, Remember that you come from an elegant legacy. You may not be able to control what people may say or do, in their attempts to hurt you but believe in God and have peace in knowing that you can control what you do.

Mone't stated: "Neither Mone't Inc. nor its employees, as Ryan Gill and Cyle A. Williams stated, "Stole their money". What Ryan Gill and Cyle A. Williams neglected to include in their complaint, is that they were both working with a fraudent broker that was a part of a scam that almost cost the Principal/Client his Company (as stated in an email received from the Principal/Client dated June 10, 2011). The Principal/Client had aready paid a due diligence fee to the fraudulent broker that Ryan Gill and Cyle A. Williams were associated with, and since Ryan Gill and Cyle A. Williams are being paid by the Principal/Client they chose to enlist a third party to pay the due diligence fee in behalf of the Principal/Client in order to protect and receive their "Finder Fee" from the Principal/Client."

Never did our client pay any fees to any "fraudulent broker" as claimed by Mone't. This absolute lie from Paul Wiltz is eligible for a for defamation lawsuit. We did talk to a fraudulent scam artist who was pretending to be an lender, not a broker, and he attempted to collect fees from us, but we never paid these fees. Ironically, the same individual who referred us to the fraudulent scam artist, referred us to Mone't  The only difference between the fraudulent scam artist and Mone't is that we foolishly paid the fee to Mone't. Even if we had paid the other fraud the fee, it would not have anything to do with Paul Wiltz stealing our fee. Paul Wiltz act of mentioning the scam artist is a fallacious red-herring and ad-hominem attempt to divert attention away from his dishonest behavior, while discrediting our complaint. Do not be fooled.

The issue is, that we specifically requested a refund clause be added to our time-bound service agreement with Monet. The refund clause was that if Paul Wiltz/Monet Inc. were unable to produce an offer within the timeline of the service agreement, Paul Wiltz/Mone't Inc. would refund the money. Paul Wiltz agreed. Paul Wiltz produced no offers within his 60 day service agreement, and he refused to refund the money, as he had agreed to. It is really that simple. We paid the money, the client did not pay the money, and neither of us were refunded after the 60 day service agreement expired. Any alleged offers after the 60 day service agreement are irrelevant.

Further, we never once asked for, as Paul stated, "an advance on a deal that has not closed." Are you kidding? This is an additional false defamation claim eligible for a lawsuit. 

Very shortly after our initial complaint was posted on Ripoff Report, Wonda, the Executive Vice President of Mone't, who observed and contributed to the bad business practices of Mone't during this entire experience, emailed us stating "This email is to inform you that I no longer serve as Executive Vice President or in any capacity with Mone't Inc. and Mone't Films." She then provided an email address which she stated had no affiliation with Mone't Inc. or Mone't Films. Now, if we were in the wrong, why would the ex-VP of Mone't want to maintain contact with us after we had added her to Ripoff Report? Why would she want to dissociate with Mone't? I'm sure the truth is clearly apparent to all intelligent readers. 
The writing is one the wall. Paul Wiltz of Monet Inc. has demonstrated a track record of bad business practices which cause clients to post ripoff reports and employees to leave.

Do not let Mone't's deceptive argument tactics fool you. Our experience was real, and everything we have posted here is true. If you value honesty and integrity in your business relationships, and are considering doing business with Paul Wiltz, I remind you to consider the ripoff report posts about him while considering his deceptively fallacious and outright dishonest rebuttal tactics.

The user name "Tbmarquis" is eerily similar to Tracy Marquis, a lawyer that is in the employ of Paul Wiltz and Mone't.

If she is assisting in the illegal wire fraud that Mone't is perpetuating, her attorney/client privilege is null and void.

Please be advised that Mone't Inc. has funded and has another slate of projects that it will fund directly.

Mone't Inc doesn't fund everyone. But it has proven that it funds.

I'm having a very difficult time believing the bad review from Folsom California regarding Mone't Inc., Denita Scott & most importantly, the company's President Paul Wiltz. In my 20+ years in the film business my experience w/ this company has been 1 of the most honest & upfront I've ever had. Ms. Scott & Mr. Wiltz have been in constant communication w/ me since we signed our Agreement. They were very detailed in answering all of my questions, answering everything to my & my partner's satisfaction & making sure everything was in writing. They also changed  several of the conditions of the Agreement to assuage my concerns. Our conversations have been respectful, even warm, friendly & candid. Everything Ms. Scott & Mr. Wiltz have expressed has come to fruition in a timely manner. When my partner flew in to Memphis to meet Mr. Wiltz, there was a car to pick him up to bring him to the Mone't Inc. offices. When they had dinner, Mr. Wiltz graciously picked up the check. This is true professionalism. Considering the exceptional experience I've had & the positive update from the other client, I have to wonder about the motivations & validity behind the complaint that has been filed.

In response to the complaint filed by Ryan Gill and Cyle A. Williams, who are amateurs brokers that lack the competence and expertise in structuring the financing of a Purchase Order Transaction.

Neither Mone't Inc. nor its employees, as Ryan Gill and Cyle A. Williams stated, "Stole their money". What Ryan Gill and Cyle A. Williams neglected to include in their complaint, is that they were both working with a fraudent broker that was a part of a scam that almost cost the Principal/Client his Company (as stated in an email received from the Principal/Client dated June 10, 2011). The Principal/Client had aready paid a due diligence fee to the fraudulent broker that Ryan Gill and Cyle A. Williams were associated with, and since Ryan Gill and Cyle A. Williams are being paid by the Principal/Client they chose to enlist a third party to pay the due diligence fee in behalf of the Principal/Client in order to protect and receive their "Finder Fee" from the Principal/Client.

However, (our Service Agreement is with the Principal/Client, only! If there is a 3rd party involved in paying the "due diligence fee" for the Prinicpal/Client, there should be a separate agreement with the Principal/Client and the Payer of the "due diligence fee"). (Mone't Inc. will not disclose the Principal's Name and Business, due to the Confidentiality Agreement that is in place with the Principal/Client). Due to the fact that Ryan Gill and Cyle A. Williams lack experience, or as they stated in the complaint are "naive and in urgent need for funding," for personal needs and asking for an advance on a project that has not closed, truly shows the neglective extent they have gone with this matter. Ryan Gill first approached Mone't Inc. with a personal project. Mone't Inc. took a pass, because it did not meet the criteria for funding. Then he came back with several other projects, and we did not do them either, for the same reasons. We have on file, a NCND Agreement with Ryan Gill. For him to go to our sources, behind our backs, conduct an audience with them and then lie, about unfounded events and statements, is Unprofessional and Juvinille!  Ryan Gill and Cyle A. Williams agreement for compensation is between the Principal/Client per email received from the Principal/Client dated June 10, 2011.

I am not sure why Ryan Gill and Cyle A. Williams insist that Mone't could close this transaction in 7-10 days. As per our company's Service Agreement that was executed by the Principal/Client on 04/19/2011, it stated in the term sheet the following: In most cases, closings can occur within 10-15 days upon meeting all underwriting requirements. 

Our funding partner went through great lengths to finalize the Purchase Order transaction, but based upon further analysis, the risk and performance became their greatest issue, and a few untruths were found. This was also explained in detail to Ryan Gill and the Principal/Client before the Service Agreement was issued and executed. (that if any unforseen or untold factors arises, this will cause problems and delays, and the due diligence fee, will not be refundable. Mone't Inc. has evidence of what the proposed financing structure would be, directly from them. Mone't Inc. also facilitated a conference call with the Principal/Client and the Lender directly, to discuss these issues.

The Principal/Client has requested that all negotiations, terms and contracts are to be sent directly to the Principal/Client and that Mone't Inc. should not forward any such information to Ryan Gill, Cyle A. Williams, or any of their associates, and that the Principal/Client would keep Ryan Gill and Cyle A. Williams up dated on the funding of the project.

The due Diligence fee of $2,500.00 was for the preparation and presentation of application(s) to our lending partners, loan evaluation, structuring and technical assistance services. The following is the refundability clause in the Mone't Service Agreement, deposit Two Thousand, Five Hundred Dollars and 00/1000 ($2,500.00). This deposit is refundable only if Client fails to receive any offer(s) to fund the receivable request from Mone't Inc's Lending partners and resources. If offer(s) are presented and Client refuses to engage them for any reasons, then the Service Agreement Deposit is non-refundable.

Since Ryan Gill and Cyle A. Williams posted this compliant, the Principal/Client has received a funding offer from our lending partner and is moving forward in finalizing the terms of the funding agreement. Due to the fact that the Principal/Client received a funding offer, there is no refund due to, the Principal/Client.

My personal advise to Ryan Gill, Cyle A. Williams, and their Associates, is that you should have all your facts together, stop reaching out to Mone't Inc's sources, present and pass and spreading lies, name calling, crying wolf, looking for business cheerleaders and trying to escalate a negative situation, on what was explained to you from the beginning, and stop the ridulous acquisation that " We stole your money", knowing that it was given my your third party associate, to protect your Finder's Fee. Then man-up and explain that to your third party associate. This will be a great start to maturing in this business!

Also, as you can see, the report/complaint that you made reference to (that was prior to your complaint), has been updated and retracted (take a look)!  Mone't Inc. is not a Fraud, Scam, nor do we Take Advantage of Clients!  " We do it right or Not at All"!