Ryan G. Wright/ DoHardMoney.com Sells products from and with Chris Wise, The fraud in the inducement, bait and switch, blatant lies, harassing agents, dishonest, won't act or refund as promised INTERNET- ALL

Editor’s Comment:05/04/2018-.  Ripoff Report believes in transparency and the more information the better.  In this instance, there has been court action regarding this subject Report.  We believe it important to note that not all Court Orders are alike.  Many court orders are absolutely legitimate and we make no representations about this court order situation.  However, we want our users to be aware that sometimes courts enter orders based upon default which typically means that the defendant didn’t show up.  Sometimes a defendant won’t show up because they didn’t even get notice of the case proceedings in the first place and other times defendants may not show up because they don’t necessarily have the knowledge and/or the financial resources to fight.  Still, in other instances, a defendant may simply appear only to stipulate (settle) the case by agreeing to stipulate to a court order because they are being bullied by the plaintiff and whether what they said was true or not, they just want the matter to go away so they can move on with life and make the plaintiff go away.  Again, we make no representations about this particular court order situation.  We are simply providing you with additional information so that you may be more informed and, coupled with any additional research you feel is necessary, may make your own informed decision regarding the validity of this Report.  As always, we encourage our readers to do their homework and not just rely on one single source for information.  Google, through the Lumen Database, has provided the following document relating to this subject Report:

http://lumendatabase.org/notices/15031805

END OF EDITOR’S COMMENT

THE ORIGINAL REPORT IS UNDER THE LINE IMMEDIATELY BELOW 

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 Ryan Wright and DoHardMoney.com ARE CROOKS AND SCAM ARTISTS---FRAUDSTERS---They advertise to real estate investors and rehabbers, such as myself,  that they are hard money lenders who lend in 49 out of 50 states (only Alaska is excluded, they say), as clearly stated in the marketing material they have repeatedly sent to me via email over many months time, as well as in emailed links to videos posted online and "webinar" like marketing campaigns, in addition to clearly stating that they lend in MY STATE OF CONNECTICUT ---right on their website, PLAIN AS DAY.  They also advertise that they will fund within clearly stated parameters, on several categories of investment propertties, 100% FINANCING, and if your ARV is at or below 65%, meaning that THEY WILL FUND BOTH THE PURCHASE AND REHAB COSTS if your deal fits their clearly stated parameters and ARV requirements.

I recently bid and won and went to contract on an investment house, as SFH, in New Haven, Near Yale and nearer Southern Connecticut State U, where the comps (I am a Broker, am sure they are kosher) demonstrate that the property can pull about 200-220K once repaired, and I got it for only 41.9K. It needs renovation to the tune of about 30K, and my husband and daughter are both contractors, so between all of our real estate and construction knowledge, we are certain that we stand to make over 100K on the house once renovation is completed, and I list it on CMLS on April 1, and sell it in the hot spring market.

Once I wond the bid and got the executed contract, I started comparing my lending options, and thought that Ryan Wright's DoHardMoney.com sounded like the best deal, basically a no-brainer. and with my ARV closer to 55% than 65% as he requires, and knowing that the property is WITHIN ALL HIS STATED PARAMETERS OF LENDING, as well as that the company LENDS IN MY STATE OF CONNECTICUT, I decided to go with Ryan Wright and DoHardMoney.com, and I ponied up the money to get expedited processing and "GUARANTEED FUNDING" by paying a one-time $277.00 fee to have VIP msmber status, and thus get closed in 5 days, save over $700.00 in loan fees that non-members do have to pay to get loans, AND MOST OF ALL, TO GET THE 100% FINANCING BASED SOLELY ON THE EQUITY IN THE PROPERTY, THE ARV, IN OTHER WORDS, which funds WERE SPECIFICALLY SAID TO INCLUDE REHAB MONEY OUT OF THE DEAL AT CLOSING, AS IN, i PAY NOTHING AT CLOSING, AND LEAVE WITH 30k FOR REHAB, OR AT LEAST LEAVE WITH ACCESS TO A 30k DRAW AS THE WORK IS COMMENCED IN STAGES.

But to my HORROR, less than 30 minutes after paying and attempting to initiate the loan inception, i was informed by the RUDE AGENT AT DO HARD MONEY, THAT THEY DO NOT LEND IN CONNECTICUT?!  I was very shocked, almost speachless at first, since I had been so careful to make sure I had dotted every "i" and so forth, so I said to the agent that I had only purchased the VIP membership to get my deal in CT funded, and THAT THEIR MARKETING LITERATURE AND WEBSITE CELARLY STATES THAT THEY LEND IN EVERY STATE EXEPT ALASKA, AND IN FACT THE OFFICIAL SITE EVEN HAS A TOOL WHERE YOU CAN CLICK ON YOUR STATE, WHICH I DID, AND IT SAYS:  " CONNECTICUT HARD MONEY LOANS...To fund your real estate investing deal in Connecticut, we use our financial resources to secure a business line of credit for investors." 

SO, I politely told the agent that fact, and about all the other places where they claim they do lend in Connecticut, and he denied it VIOLENTLY, and started yelling repeatedly that I have to sent him the emails, send him the emails, and then HE HUNG UP IN MY FACE, AFTER ANNOUNCING THAT I WAS NOT GETTING ANY REFUND.  I called back, and politely, calmly tried once again, SAME RESULT, and then I got a fraudulent email from the same agent, several hours later, claiming that because of my INAPPROPRIATE BEHAVIOR, we could only discuss any inquiry into a refund (SAME REFUND HE DENIED ON THE CALLS, UNEQUIVOCALLY) via email.  

But whatT  he did not know when he wrote that email is that between his two RUDE TELEPHONE HANG UPS and the time I received that email, I CONTACTED THE STATE OF UTAH, ATTORNEY GENERAL, THE BBB, AND THE DEPARTMENT OF BANKING, CONSUMER PROTECTION, AND FINANCIAL INVESTIGATIONS, and I ALSO CONTACTED THE FRAUD NUMBER ON MY CC, WENT TO MY BANK, DESTROYED THE CC, ORDERED A NEW ONE OVERNIGHTED, AND GOT MY BANK TO REVERSE THE CHARGE THAT DAY.  So when I replied to the rude email from Do Hard Money, I let him know that THE FRAUDULENT ACTIONS OF DO HARD MONEY AND RYAN WRITE WERE ALREADY REPORTED UNIVERSALLY, AS I HAD FILED COMPLAINTS WITH EACH OF THE AGENCIES ALREADY, only still have to file the BBB complaint.

THEN, THE NEXT THING YOU KNOW...after I thought this was behind me, i GOT ANOTHER EMAIL from Ryan Wright at DoHardMoney.com, and instead of being responsive to the issue at hand, it was A SOLICITATION TO PAY ANOTHER THOUSAND DOLLARS TO BUY HIS "FRIEND', CHRISTOPHER WISE'S BUSINESS CREDIT PROGRAM, as in, the trick was to say you lend in Connecticut, get me to spend %277, Ka-Ching, then tell me, OOPS, we don't really lend in CT, YOU CANNOT HAVE A REFUND EVEN THOUGH WE ARE OUTRIGHT LIARS COMMITTING FRAUD OVER STATE LINES, BUT...YOU CAN THROW GOOD MONEY AFTER BAD AND PAY US ANOTHER ONE-THOUSAND DOLLARS,....and then, you can have credit in CT!!!  Ka-Ching.....I think if I were STUPID enough to buy the Chris Wise Business Lines of Credit program, NO DOUBT, it too, will somehow not really work for me...unless I SPEND MORE MONEY TO BY YET ANOTHER PROGRAM, KA-CHING, KA-CHING, KA-CHING.....WHAT THIEFS.

BUT JUST WHEN YOU CANNOT BELIEVE IT COULD GET ANY WORSE------I decided to Google CHRIS WISE AND THE BUILDING BUSINESS LINES OF CREDIT THAT RYAN WRIGHT AND DO HARD MONEY TRIED TO CON ME WITH, AFTER ALREADY SUCCEEDING ONCE....and you would NOT BELIEVE what I found out.  CHRIS WISE, RYAN'S "FRIEND" WAS ARRESTED BY THE SECRET SERVICE AT LAX IN AUGUST, WAS CONVICTED OF FRAUD IN FEDERAL COURT ON OCTOBER 13, 2013. and the charges... the charges he was convicted of were DEFRAUDING AND ATTEMPTING TO DEFRAUD NUMEROUS BANKS, by NO DOUBT using the same fraudulent representations, falsified documents, forgeries and STRAW MAN buyers to TRICK BANKS INTO EXTENDING CREDIT TO HIM, ALTHOUGH HE DOES NOT QUALIFY. 

SO, DO NOT DO BUSINESS WITH RYAN WRIGHT, DO HARD MONEY, OR CHRIS WISE (IN FED PRISON FOR 30, LIKELY) unless you really like throwing your money away, or giving it to CROOKS.  You'd be better flushing money down the toilet, than doing any business with these CREEPS.  THEY ARE DISREPUTABLE, SCAM ARTISTS, THEY LIVE WELL, BY DEFRAUDING HONEST FOLKS OUT OF THIER HARD-EARNED CASH, AND THEY ARE NOT SMART ENOUGH TO KNOW WHEN THEY JUST TRIED TO RIP OFF THE WRONG PERSON!!!!M   ME.   HAPPILY, I not only got my money back FROM MY BANK already, as well as a new Credit Card that Ryan and Chris CANT DEFRAUD ME ON, as they dont have the number, but....and this is SWEET....when I contacted the UTAH DEPARTMENT OF CONSUMER PROTECTION AND THE AG, they informed me that Ryan and Do Hard Money are ALREADY UNDER INVESTIGATION, and the AG intends to prosecute once that investigation is complete!!!!!  Score one for the little guy!!!!

Finally, I contacted the Secret Service and reported that the FRAUDSTER CONVICTED IN OCTOBER--- CHRIS WISE---is STILL  selling his FRAUDULENT CREDIT PROGRAM FROM FEDERAL PRISON through his "friend" Ryan Wright.  They took the info, called me back and conducted a 30 minute plus interview and contacts, advised me to keep all my evidence, since it it typical that such criminals will attempt to delete incriminating evidence from their online sites, once they realize they are in trouble,  and from there,  THEY ARE CONTACTING THE FEDERAL PROSECUTOR Edward Alon in LA, TO get him to  SHUT DOWN THIS CONVICTED CRIMINAL (and his ACCOMPLICE, RYAN WRITE)  WHO CONTINUES TO DEFRAUD FROM BEHIND BARS, COURTESY OF RYAN G. WRIGHT, who is masquerading as a legitimate business operator and has a BOGUS A+ BBB credit rating (not for long).  You know what they say...BIRDS OF A FEATHER, THEY DO ALWAYS FLOCK TOGETHER---Robert Burns, Scottish Poet. 

THE MORE OF US THAT FIGHT THIS KIND OF PREDITORY FRAUD THE MORE DIFFICULT IT WILL BE FOR THESE VILE CROOKS TO MAKE A LIVING CHEATING THE REST OF US, WHILE PREYING ON OUR HOPES AND ASPIRATIONS.  I am going to post these warnings ALL OVER THE INTERNET UNTIL THERE IS NO WHERE ONE CAN MISS MY WARNINGS WHEN LOOKING AT POSSIBLEY DOING BUSINESS WITH EITHER OF THESE CROOKS, RYAN WRIGHT AT DO HARD MONEY . COM, OR HIS INCARCERATED FEDERAL FELON BFF, CHRIS WISE!