EFTA02002095.pdf

To: jeevacation©gmaitcompeevacation©gmail.com]; Jeffrey Epsteinbeeyacation©gmail.comj Front drsra Sent Wed 9/21/2011 12:10:43 PM The bank set a hearing for summary judgement that was continued to Oct 7 when Trent injured his hand. I gave my documents to trent because the bank never told me they were changing the terms of the loan from a construction loan to a simple line of credit. Thye did this on the day of closing. This allowed Mike to take over $290,000.00 within 6 days of getting the loan, and more over the next 18 months. Trent then suggested thru his paralegal that bankruptcy may be the way to go. I met with Leanne (paralegal) and she gave me a packet for the bankruptcy lawyer in Trent's office. Everyone had been telling me that joint accounts are untouchable, but then it was asked if they were tennets by the entirety. When I checked, my bank accounts aand Transamerica stock account were all "joint with rights of suvivorship." This is neither tennets in common or by the entirety (seems financial institutions got tired of beinf dragged into legal spats and created this designation). I called the broker/advisor on the transamerica account & he said it is 100°A accessable in a judgement. I had him transfer the account into a tennets by teh entirety account last week. I asked if there is a prohibition or time limit on when I can transfer money before filing bankruptcy and apparently no lawyer at Trent's office knows. I have about $300,000.00 in cash in 2 checking accounts and 1 money market account. I wnat to put in in the Transamerica account because it is tenets by the entirety now. Seems like a simple answer tio me if you do bankruptcy, but apparently they will not answer. Now time is running out so I told Trent to file the response to the summaary judgement so that we can argue for a trial. Otherwise, the judge will graant a summary judgement & they start freezing accounts. Lawyers. If they don't know what they are doing, why don't they just say so? Would save a lot of time. Also, I wouldd have converted accounts or shifted money years ago if they had not told me everything was safe. Hope I don't end up losing $1.8 million in joint money now. That wipes me and Karen out. She doesn't deserve to lose everything because of me. We'll see. I am going to try to get bankruptcy advice today, but I have 2 depo's that will take all morning and most of the afternoon so it will be difficult. Hope I don't run out of time. I sent a blind copy to you so you'd know what is happening. We may have our answer in 2 weeks whether I want it or not. How's your case going? Same general experience as me with lawyers I assume? EFTA_R1_00499221 EFTA02002095