2 Charged with Fraud Involving Foreclosure Protection

admin —  March 23, 2010 — 37 Comments

Andrew Bartok, Clifton, New Jersey, and Kathleen Addario, a/k/a “Kathleen Kelly,” a/k/a “Kate Adams,” a/k/a “Kathy Adams,”  Saddle River, New Jersey, were arrested and charged with participating in a fraudulent scheme in which they repeatedly made false statements on personal bankruptcy petitions.

The Complaint alleges that between about May 2005 and about August 2009, Bartok and Addario, operated a business known as Revelations Consulting in which they held themselves out to homeowners as experts in foreclosure prevention through, among other things, solicitations sent to homeowners through the mail. After soliciting homeowners by representing that they would temporarily stop foreclosure proceedings relating to their homes, Bartok and Addario, filed bankruptcy petitions in the names of homeowners using false information and, in numerous cases, without the knowledge or authorization of the homeowners. The homeowners paid initial and monthly fees to Revelations Consulting using checks and money orders. Between February 2009 and November 2009, approximately $43,000 per month in personal checks and money orders in amounts consistent with the fees charged to the homeowners were deposited in a Revelations Consulting business bank account in New Jersey. Bartok and Addario were presented in White Plains, New York, federal court before U.S. Magistrate Judge Paul E. Davison and released on bail. If convicted, they face a maximum sentence of 20 years in prison.

Preet Bharara, the United States Attorney for the Southern District of New York, made the announcement.

Mr. Bharara praised the investigative efforts of the United States Postal Inspection Service and criminal investigators of the United States Attorney’s Office.

Assistant United States Attorneys Nicholas L. McQuaid and John Collins, Jr. are in charge of the prosecution.

The charges contained in the Complaint are merely accusations, and the defendants are presumed innocent unless and until proven guilty.

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37 responses to 2 Charged with Fraud Involving Foreclosure Protection

  1. 2 Charged with Fraud involving Foreclosure Protection what a shame. Things are bad then you have people like this. Keep us updated on the charges. Good article.

  2. WOW! QUESTION? AFTER PAYING ALL THAT MONEY TO REVELATIONS ARE U ABLE TO BUY YOUR HOUSE BACK AT SHERIFF SALE? QUESTION? DOES ANDREW BARTOK EVER GO TO SHERIFF SALE WITH CUSTOMER TO PURCHASE THE HOUSE BACK? I GUESS NOT!! HOW COULD YOU PURCHASE THE HOUSE AT THE END OF HIS PROGRAM YOUR CREDIT IS SHOT ON THE REVELATIONS PROGRAM, BANKRUPTCY’S ARE FILED ETC. NOT SO GOOD FOR YOUR CREDIT AT THE END!!!!!

  3. andrew bartok is a lifetime con man and habitual criminal he has done time in a new jersey prison for fraud/bad checks this can be seen at “new jersey inmate locator” put in andrew bartok. he also is listed on a stolen valor wesite for falsely claiming to be a vietnam era fighter pilot and officer- he is a danger and a disgrace- looks like the many years in a state prison has been coming for decades

  4. Joan Gillmann June 24, 2010 at 9:07 pm

    Mr.Bartok, made me his # 1 Victim, I would say, as I or we went to him in Feb., 2006, as my Husband Had Cancer & fell behind on our Mtg., took our money & promises, promises, my Husband passed in July 2006, & they still said do not worry, mean while False Bankruptsies., were filed, un- be knowns to me, the day my Husband passed, I got notice that my house was going to Sherrifs sale, they again said do not worry, well, I lost my home, I could go on & on, of what they did to me & my Husband who before his passing was going under Chemo..please let’s see Justice with this man & all who worked w/him..Thank you..

  5. # 1 Victim,
    You need to get in touch with John Marsh United Stated Postal Inspector.He is the head of the investigation on Mr. Bartok.Your voice needs to be heard on what happen when you were dealing with Andrew and Veronica. I’m sure it was not easy for you or your husband.Justice will be served if people like yourself step forward.Sorry for the loss of your husband, and for what Revelations put you through.

  6. How can I get in touch with John Marsh Ananomous? I have a similar case about Andrew and veronica, (is this Kathleen)?

  7. Joan Gillmann June 29, 2010 at 3:05 pm

    Thank you for supporting me, I have spoke w/John Marsh, here is his # he is a wonderful man so kind…914-697-4141, I rec’d a letter from him, as they say & had the information from the money we gave him..check #”s and all, despite the cash we gave him..as for Veronica, Boy, I am a Lady, as I would say a lot, she led me to believe that she was My Guardian Angel, if you need more info, feel free to contact me..Thank you Again & Good Luck to all of us..

  8. diamonds

    NO, this is not Kathleeen. It is true John Marsh is a very nice man who only wants justice. Call him, he will help you with whatever Andrew and Veronica has done to you.They are both con artist and deserve what they both get.

  9. Joan Gillmann June 29, 2010 at 8:10 pm

    Hi, It’s Joan, I did not send that post stated is this Kathleen, truthfully I never met her, only Andrew & My So called Guardian Angel Ms. Veronica, but yes Mr. Marsh is a sweetheart, let’s all stick together & see them both behind bars, how did they sleep at night, O’ I know, counting all the Money they were to deposit…if I know them, they put it in some one else’s name or another country, they were brilliant, like The Devil…yes I will never, ever forget what they did to me & now others..

  10. Joan Gillmann July 3, 2010 at 2:21 am

    Well good for you & your Buddy Andrew & Veronica if you only know what Mr. Bartok did for me & my dieing Husband….NOTHING…and I was contacted by The Fraud Unit, so I don’t think they are wrong, with hundreds of others who were scammed by him…period.end of conversation..

  11. Hope I have no idea what you are talking about. I’ve met Veronica a few times. Besides she has nothing to do with this. She was not arrested or even mentioned in any articles.I was a past customer of Andrew, then I followed Kate until she had a mental breakdown and did not know what to do with my case. Then I went back to Revelations, and Andrew took me back. Thank god he did I applaud Andrew for what he is doing for me. CI whoever you are, I am fingerpointing to kathleen from ALADDIN FINANCIAL SERVICES, UNION CITY< NJ for what she did in my particular case. She failed me and my family. I almost lost my home because of her. Once again Andrew came to the rescue. I’ve seen documentation that he has helped hundreds or even thousands of homeowners for over a decade, in my eyes that is not a criminal. What Andrew is doing is helping homeowners when the banks are not. So CI WAKE UP!!

  12. First of all it is cj NOT ci you moron!!!AND I AM VERY AWAKE!!!Don’t you know how to READ!Admit it you are VERONICA TOBIN aka VERONICA JACKSON.ONLY you would defend that fat load car salesmen.Face facts, he is going down and so are you.I have been asked to testify against both of you crooks!!!And that I will!!!You know what you have done and continue to still do.Both of you were AND continue bleeding homeowners dry NOT helping them.Banks will help homeowners if they qualify, if they can’t afford the mortgage they will end up loosing their house either way. NO CUSTOMER OF REVELATIONS CONSULTING 790 PASSAIC AVENUE CLIFTON, NJ EVER BUYS THEIR HOUSE BACK AND YOU AND ANDREW KNOW IT!!!THAT IS FACT!!!You PROFIT ON HOMEOWNERS FALSE HOPES BUY TAKING ADVANTAGE OF THE LAW AND FALSIFYING DOCUMENTS.Fact has it, ANDREW BARTOK was indicted on MAIL FRAUD,BANK FRAUD,MORTGAGE FRAUD,.And with more indictments to come (public knowledge).I like many other customers in the past want to see justice.I CAN’T WAIT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

  13. CJ: This is not Veronica or anyone associated with Andrew. I am a customer. If you do not believe me, meet me at Revelations. You can use all the vulgar language you want. That tell me who I am dealing with, and will not stoop to your childish mentality Went I first had the consultation, it was made known to me, that I as the homeowner had to save the deposit to get the home back at auction. If I could not save the deposit, at least I would be staying in my home longer, and that is exactly what he is doing. The only people who are bleeding the homeowners are the banks, and not Andrew. I know the TRUTH and in my opion CJ you need anger management classes.

  14. OK SLIM(Veronica,In one of your statements you claim you were a PAST Customer of Andrew’s So I ask? what would possess you to want to meet at REVELATIONS? Oh,that is because you can’t go anywhere other than REVELATIONS.That is because you work their and continue to work their for the past 6 years or so, THAT is your SECOND HOME!And please you should be the last to talk about anger issues you have surely showed your anger issues many,many times in that office(bipolar)! Princess you chose to yell and scream at customers on the phone etc. disgraceful!

  15. Joan Gillmann July 5, 2010 at 3:21 am

    CJ, don’argue or get upset, as I learned to do, They are FRAUDS, & who ever slim is, I am sure he is one of them..I am still sick of what happened to me 4 years ago..I could tell you stories that Veronica and Andrew promised me, & again my Husband was dyeing at the time, Husband passed & 2 maybe 3 weeks after his death my Home Foreclosed, which they promised, repeat “PROMISED” it would not..I again did not start this action, I was contacted, so for what it’s worth, Justice will be served, so I let it take it’s course, I would take a Polygraph test on them, anytime..so on that note, ignore ignorance, as the above (slim) just wants to act like Andrew ..I would never respond to he or she’s post…

  16. Hi Joan, it is So TRUE Revelations and Andrew Bartok,Veronica are scam artist and in due time Justice Will Be Served! As far as Im concerned Slim(Shady)Veronica I have nothing else to say to you!Joan don’t beat yourself up you too like myself trusted the wrong people.I know I will feel much better when Justice is served, and so will you.

  17. Joan Gillmann July 7, 2010 at 2:59 am

    Hi Sweetheart, Like I said I would never respond to an ignorant, unjustly phony as Slim is…Silence is Golden & like I said how can they sleep at nights…such a shame..so sad….I am not dwelling on it, I fee; sorry got my daughter who in foreclosure that Revelations put me in, yes they did, went to buy this home back, after it was bought for almost $200,00 more, now she is in a hole, just to keep a roof over my head…

  18. I ccannot belive i pay this man over 14000$ and i am going to lose my home so with all the other’s where can we go for help who is there to help us went we all were promis our homes back when we fall like anyone else we seek help and this is what we get a letter promising us a life of no worry is this for real any body has any suggesion please post and going to attorney’s all they do is suck you dry is there any law?FOR THESE PEOPLE?
    Where do i get help now can some one plese let me know
    RESTLESS.

  19. Joan Gillmann July 7, 2010 at 11:31 pm

    So Sorry, I can’t tell you not to be off the wall, as I am still there w/you 4 years later, read my post above…As for going to a Lawyer, don’t waste your money, Justice is going to be done, I advise you to call John Marsh his # is 914-697-4141, he contacted me & he is from The Mail Fraud Unit…Mr. Bartok, & his followers, are like a cult I would say, took me for a ride & promises, promises…again read my post above..I re-iterate, my Husband passed & 2 weeks later my home foreclosed, they promised it would not, so please call Mr. Marsh, the more people that call him, the better, a for sure we are only a few of hundreds that Revelations have taken for a ride….keep me posted please..

  20. Hey, SLIM(Shady)Veronica when are we meeting? What’s wrong you are not blogging anymore?

  21. Who ever you are, I don’t know as I know no one from this scam place Aladin, I was scammed by Revelations…will wait for trial..that’s all we can do….

  22. You are very fortunate, nothing like a Happy Ending for you, me lost my Home, Husband & if you want to add my dog & Sanity in the same month, Thank you Andrew & Co., hope I get some restitutution…may they never see daylight again…but I bet they are laughing all the way to the bank as we speak…

  23. Your a Pistol, Staten Island Person…I know I am an original New Yorker, born & raised in Greenwich Village, true Blooded 100% Italian, that should of had sense enough not to be scammed, but when you have a Husband who had Cancer, desperation takes over, & Party we will…

  24. NEWS FLASH! People just love to point the finger for their own issues. IF KATHLEEN ADDARIO FROM ALADDIN FINANCIAL SERVICES DID NOTHING WRONG, WHY WAS SHE ARRESTED, AND HER OFFICE RAIDED…… KATHLEEN ADDARIO LIED! LIED! LIED! I CAN’T WAIT TO SEE WHO IS GOING DOWN! DOWN! DOWN!

  25. HEY LOOK WHO’S BACK BLOGGING, XXXX (IT’S VERONICA TOBIN) FROM REVELATIONS CONSULTING 791 PASSAIC AVE CLIFTON.THE FRAUD COMPANY. SHE IS ALWAYS LOOKING TO PLACE BLAME ON SOMEONE ELSE. WE WILL SOON SEE WHO IS GOING DOWN,DOWN,DOWN MY DEAR! REVELATIONS AND ANDREW BARTOK IS A FRAUD, HE HAS HURT MANY PEOPLE AND YOU HAVE TOO. JUST WAITING IT ALL OUT AND CAN’T WAIT UNITL THE OUTCOME!

  26. ALERT:What I have read Andrew Bartok of Revelations Consulting was arrested for FRAUD,I also read he was banking tons of innocent peoples money.Why this (slim) keeps talking about this Kathleen is beyond me, what I read Kathleen worked for Andrew Bartok and got caught up in his mess.Andrew Bartok and company has been Scamming people long before Kathleen worked for him.If Kathleen did anything wrong its only because she learned it all from Andrew Bartok he was the so called legal advisor.Andrew Bartok LIES and continues to LIE.Andrew and Veronica are two of a kind, scam artist.And things not looking to good for Revelations hopefully the hurt will stop soon for innocent Victims.If you have done your homework like I have you will see the truth about Andrew Bartok’s troubled past with the law unlike Kathleen Addario’s. He has served time in jail for Check Fraud, and here is a good one, he committed Military Valor Fraud How pathetic! That Big Bag of Wind was not even Man enough to serve in the United States Military but pretended he did.My heart goes out to all victims of REVELATIONS.

  27. Mortgage-Mod-Monster.com August 22, 2010 at 6:05 pm

    I would hold up this article as an argument as to why there is no reason to saddle bankruptcy judges to modify mortgages. It’s ineffecient

    The answer is to hold lenders accountable for not negotiating modifications in good faith

  28. Let me make a point. The BANKS do help people for the most part if they are qualified. REVELATIONS CONSULTING is not Licensed to do loan Modifications. The owner Andrew Bartok would not have been indicted on many counts of FRAUD if he was playing by the law. He took it upon himself to down right screw over people. He prayed on innocent people. Knowing that they would not be able to save money to purchase their homes, at the end of his so called wonderful program. He is a Fraud and so is his company.

  29. Has anyone heard if he has been convicted yet, thought trial was for Oct., 6th, they said I would be notified, have not as of yet.

  30. i JUST RECIEVED A NOTICE THAT THERE COUURT DATE IS jAN 21 2011 APPARENTLY IT WAS CHANGED THEY ARE LOOKING FO RMORE PEOPLE TO COME FOWARD I JUST RECIEVED THE LETTER I LOST MY HOME WITH MY 5 DOGS TO A SHELTER AND MY CHILD AND MOTHER I AM STRUGGLING TO PAY FOR 3 STORAGE UNITS TO FIT MY WHOLE HOUSE IN AT THE END I HAD A BUYER FOR MY HOUSE IT TURNED OUT HE STOLE MY DEED AND WANTED 6000 TO GET IT BACK WE ARE STRUGGLING AND WE STILL HAVE NO PLACE TO LIVE

  31. OMG..Doll, My Heart i broken 4-U espcially that you are an animal Lover like me, My Husband passed on Jly 27th when they promised My Home would not foreclose..well wala it did, 3 weeks after his passing it was sold & my poor daghtr after it was sold bought it back,for over 150,000 more than it was old for, she is strugling as we speak to hold on to it, as our MTG. is now well over $2,000.00..he lied & said we could by it back, no problem Veronica & Bartok said…I wantJustice, I could go on & on I would also love my money back, plus what cost she had to pay to buy it back,otehr wise, we are seeking to move & where ???? I am 61…he has lots of money due to The scam..but knowing Mr. & Mrs..Scam artist,probably has it in some Swiss acount or some one else’s name, I am sure…yes I received notice as to the new date…I wish you all the best & keep in touch.

  32. Well everyone today iS “D” DAY LET’S SEE WHATS GOING TO HAPPEN

  33. He was & is or they are to brilliant, think we are not going t see Justice or any money lost to us,as he is very shrewd..sad, as the money we spent & lost & stll suffering, would of rather lit the money up in smoke….

  34. does anyone understand the concept of legal remedies? under law -each state has different regulations – a homeowner who defaults paying the mortgage has a number of steps to take LEGALLY before the actual foreclosure sale namely first to demand proof WHO actually owns the mortgage – as we know mortgages are traded daily, therefore the original owner of the mortgage may not be the same at the time when the house owner defaults on the mortgage, this should be clear so far, so the first step is to make the bank that wants to foreclose and kick out a house owner – and if you believe the media there will be many more of them this year – who up to this point paid sometimes twice the price of the principal LOAN amount in high percent INTEREST and is maybe late ONLY two or three months BUT the BANK still wants to kick them OUT with the sheriff’s help- PROVE that they own the mortgage. this takes time and this is where honest mortgage default helpers come in. they do the paperwork and go through the motions and charge a fee which is much lower than the actual mortgage payment, I read from one entry 300 dollars. OK lets go with that. so a house owner who can’t pay lets say a 1200 dollar a month mortgage, stays in the house for 300 for lets say for two years so instead of paying 28800 to the BANK they pay the mortgage forestallers 7200. please do the math before you continue reading! OK by the 24th month – and this depends when did the defaulting house owner start forestaling the foreclosure – eventually the banks and sheriff come to sell the house as all the paper filing and forestalling legal remedies that were designed and implemented by consumer protection groups and approved by courts run out. so now comes the foreclosure sale at which the owner shows up and with all the money that was saved by not paying 28800 but only 7200 puts down a 10 or 20 percent – depending which state they are in – buys the house back. REMEMBER the bank already charged twice the principal value in INTEREST, sot hey made their money. This RESELLING the house – even for less – is just gravy for them! simple formula for some, not for everyone even lawyers don’t get it as they ONLY think in terms of hourly fees WHICH by the way start around 300 dollars. mind you banks and lawyers are in the for profit business, if you luck out and get involved with a non-for profit lawyer and he knows all the above, they will still charge you an hourly fee, as its REQUIRED by law, with foreclosure forestallers – and you see their ads at every intersection – they make the house owners do all the filing themselves and this is why the courts are softer on them. why? remember the whole issue started with NO MONEY for the mortgage, so if the house owner represents him/herself infront of a judge – in person OR by a person they assign a power of attorney – the judges are more understanding as they don’t really want to KICK OUT good people who fall on hard times – and I hope you don’t believe the president when he states that the depression is OVER -out of their house. so for a while there will be foreclosure delayers, and some may not be lawyers, and some will be honest BUT there will also be crooks. like in any business. so thanks for educating the public, BUT please when you post a hateful blog support it with actual numbers and dates. just calling someone a thief, idiot, crook and so on does not help newcomers to this site understand what to look for, what to expect, and who to believe. I personally would love to read a story where a LAWYER saves the house for a monthly fee of 300 and prolongs the foreclosure for a few years, giving time for the house owners to get things organized, get on their feet and work on a buy back or just move along and give up the house – which is silly as they paid so much to the BANKS in interest and sometimes even in principal – strategy

  35. John…Idid no have the chance to even go to the sale of my Home…MY Husband had Cancer & passed away July 2006…2 weeks later my Home forelosed.vey nice was
    n’t it…so speak for yourself..are you hired by Andew & his team would not be surprised & Goodbye…

  36. Andrew (Drew)Bartok has been doing this since the early 90′s when his own house first went into foreclosure. He took thousands from my mother and others and we still lost our house. My mother who is a good Christian woman, suffered to no end.

  37. Education is key – when people are educated on legal practices, this does not happen. You have never had to pay for help with your mortgage, that is the first red flag. I have sympathy for his victims – I really do, but at what point did any talk to their lenders and confirm that his “program” would actually help? People fall bahind on their mortgage and shy away from any contact with lenders/servicers, that is how this happens. I work for one, they won’t answer our calls or letters to offer help….. I have sympathy for all people on hardships, that’s why I’m in my line of work, but it is hard when you are pinned at the “bad guy” and no one wants to answer your calls.

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