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STEVENM. LARyIRE CL E VO S. RK U S DI T; 2 S JT
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ANG EL BARROSO, JO HN RO M NEY, W I AM HARTNETT 1 1 LLI 1, R AFA EL U BI ETA , JOEL ZALDI VER,and KYLE BAKER,
D e endant . f s
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I I ND CTM EN T
The Gr nd J r c ge t t a u y har s ha :
G EN ER AL ALLE G ATI N S O
1 .
AMNET M org l (S tage nc.t AMNET M orga ', aDelwaec portondoi t ge' was ) a r or ai ng
busne s a a morg e l rt oug utt Unie St t ,i udi i t St t ofFl i . i s s t ag ende hr ho he t d aes ncl ng n he ae orda
AM NET M o t gedi busnes i t sae ofFl i a Ame i nM orga Ne wor ofFl i . rga d i s n he t t orda s rca t ge t k orda
AM NET M orgagewa a a fla eofW ac aM orga Cow r ton a W a hovi Ba NA . t s n fiit hovi t ge l ai nd c a nk 2. Am e ian Br r Condui LLC wasa De a r lmie la lt compa doi rc oke s t l wa e i t d ibiiy ny ng
busne sasam orgag lnde t oughoutt Unied St t ,i udi i t St t ofFl rda. i s t e e r hr he t aes ncl ng n he ae oi
Fis M a rt gnusFi nc a Com or ton wa a Arzona c por ton doi busne sas na i l ai s n i or a i ng i s am o t gel rt oughoutt Unie Stt s i udi i t St t ofFl i . rga ende hr he t d a e , ncl ng n he ae orda 4. Fis Cl sM orga a Lendi Cor . wasaFl i c por ton doi busnes as r t as t ge nd ng p orda or a i ng i s
a morga b o i t St t ofFl i t ge r ker n he a e orda. 5. Pr pe t Colae a ,nc. saFl rdaCor a i wihisprncpa pl c ofbusne s o ry l tr ll wa oi por ton t t i i l a e i s
busne slse as218 SW 232 Ste t M i m i Fl i 331 i s it d 00 nd r e , a , orda 70. Ha t t De l e ,I wa a Fl i Cor a i wih isprnci plce of rnet veopm nt nc. s orda por ton t t i pal a busnes lse a 1 Ca po Sa Ave ue Cor Ga e , orda 331 i s it d s 265 m nd n , al bl s Fl i 46.
8.
Ba i Til Ser c ,l wa a Fl i c por ton doi busne s a a tte ysde te vies nc. s orda or a i ng i s s il
Def ntJO HN ROM NEY,a i vi who r sded i M im iDa Count , enda n ndi dual ei n a - de y
Fl rda wa t pr i ofPr ry Cola e a , I o i , s he esdent ope t lt r l nc. 1 0. De e nt f nda ANGEL BARROSO , n i vi l a ndi dua whor i di M i miDa Count , esde n a - de y
Fl i , st pr sden ofBa i Til Se v c s l a s r astte a s t l m e a ntf orda wa he e i t ysde te r i e , nc. nd e ved il nd e te nt ge or a onbe l ofBaysdeTil Se vce , I i c osngt pur has a s l ofr lpr ry i t nd ha f i te r i s nc.n l i he c e nd a e ea ope t n he Stt ofFl rda. ae oi
1 3.
Fl i wasa lce e m orga br orda, i ns d t ge okerdoi busnes i M im iDa Count and t pr sde ng i s n a - de y he e i nt ofFis Cl sM orga a Le ngCor . Asamorg br r ZALDI rt as t ge nd ndi p tage oke , VER wa r s i ef s e ponsbl or
pr rng a pr s i morga a ia i a as ocit d pa r k on be fofr a e tt epa i nd oce sng t ge pplc tons nd s a e pe wor hal e l sa e buye s r.
1 4. De enda KYLE BAKER , a i vi lwho r sded i M i m iDa Count , f nt n ndi dua ei n a - de y
Fl i ,wa a lc e morgagebr orda s iens d t okerdoi busne si M im iDa Count a t pr sde ng i s n a - de y nd he e i nt ofFis Cl s M o t ge a Le ng Cor . Asam orgag br r BAKER wasr s rt a s rga nd ndi p t e oke , e ponsbl f i e or
pr pa i a pr s i morg a ia i a as ocit d pa wor on be fofr alesa e e rng nd oce sng tage pplc tons nd s a e per k hal e tt buye s r. 1 5. B. a e asa sr w buy who a l d he i ntt and c e tt be us d i t P. ctd ta er lowe r de iy r di o e n he
pur has of1 Sout Oce n Drve Uni BS 1 K,Ha lndal Bea h, Fl i 33009. c e 985 h a i , t 9la e c orda
1 6.
s lro t buye ' be l, c ta f rwasohe a ompls dbyt ele n he rs ha fwhih r ns e n cc ihe empor rl s i t f a iypa sng he unds
t oug a i e me a y r f re t asat osng ag t' Sil c hr h n ntr di r e e r d o i i cl en 'or tte ompa .'' t ny 20. Thet r t ge'wa us d i t r al t t i tyt r f rt al n t fna e m k ga ' s e n he e esae ndusr o e e o oa o i nce mor
t pur has ofr le t e pr ry, us ly wih s ii d pa ntperodsand it r tr t s i he c e ea s at ope t ual t pecfe yme i n e es a e , n
whiht borowe / orgago ga t lnderm orga ale on t pr t asc lt a f rt c he r rm t r ve he e / t gee i n he opery olaer l o he
l n. oa
The t nn ende s'r e r d colec i l t t m orgage l r s tf t i t e l l r ' ef re l tve y o he t ende s e orh n he pr ce ngpa a a 1t r h 3, ac ofwhih extndedm orga l nsa dibur e morga e di r gr phs h oug e h c e t ge oa nd s s d t ge l n pr ee t f t tna i ofr i nta pr ri i t Stt ofFl rda. Thelnde wa oa oc ds o und he i nc ng esde il ope tes n he a e oi e r s ohe r e r d t ast le hol r' n ef re o he sin de . '
A HUD- Sete ntStt nt(S I tlme aeme HUD- Sttment'wasasa r f rquied I ae ' ) tndad onn e r
t bee utd f t cl i ofr a e t t ta a tons TheHUD- St t m e ie z da1 a pe t o xec e or he osng e l sa e r ns c i . I a e nt t mi e l s c s oft cosng f t lnder i udi a pa nt madebyt borowe , m oney due t t seler, he l i or he e ,ncl ng ny yme s he r r o he l
a a f e pa dt t r pa te i c nd ny e s i o hid ri s n onneci wih t c osng. ton t he l i 23. h-o- l e' r e r d t t m one a y oblga i t be m e by a i vi , i cas t cos ' efr e o he tr i tons o t n ndi dual
us ly t buye ,i or rf rac osngon apa te a r ale tt ta a ton t bee plt d. ual he r n de o l i riul r e sa e r ns c i o om e e
COUNT 1 CONSPI CY TO COM M I W I FR AUD M T RE
( 8U.. j 1 4 ) 1 S C. 3 9
Pa ag a 1t o h 23oft Ge r Ale tonss c i oft sI c me a er r r phs hr ug he ne al lga i e ton hi ndit nt r e aleg a f l i por t d he ei byr f r nce. l ed nd uly ncor a e r n eee
ofFl i a ele r , t def nda s orda, nd s whe e he e nt , ANGEL BARRO SO , JOH N RO M NEY , W I AM HARTNETT 1 1 LLI 1, RAFAEL UBI ETA, JO EL ZALD I ER,and V KYLE BAKER,
c rai w rtngs s gns s gna s pit e a s mds f t pur e ofexe utng t s me a e t n ii , i , i l , c ur s nd ot , or he pos c i he che nd
unlwf l e i ht m s l by, a n oh rhn :a u i gsr w b y r t pu c a ea fn n e a uly nrc he eves mo g te t igs () sn ta u e s o rh s nd ia c r i nta pr ris i M im iDade a Br esde i l ope te n a nd owar Cou i , d ntes
frt purhas a fna i oft r i nta pr te ;()c usngt lndi i tt i sto o he c e nd i ncng he esde il operis c a i he e ng nsiuton
a s les a ( di ri fa pr ee f t i pes lus a be tt and t f t rt e nd elr; nd d) ve tng rud oc ds or her rona e nd nei, o urhe h
fa s he e. r ud c m
i ntfe c rai r sden i pr tesi M im iDa a Br r Countes Fl i t tcoul de iid e t n e i tal operi n a - de nd owa d i orda, ha d
beus d t de r ud l r ,i udi , among ot s t f l ng pr ri : e o fa ende s ncl ng her , he olowi ope tes
() a ( b)
1 Sout Oc nDrve, tBS 1 K, la l Be c , Fl ri 33009; 985 h ea i Uni 9- Halndae a h o da 280NE 78Ste t M imiFl i 331 re, a , orda 38;
6301Le r Stee , i mi Co a Ga e ,331 a ona do r t M a , r l bls 46; nd
() d
l vi sa tng a t die ton ofJOH N RO M NEY a ANGEL BARROSO ndi dual c i t he r c i nd r c uied sr w buye s a die t d a pai ot r t r r tsr buye s t a tasqua iyi e r t ta r , nd r c e nd d he s o ec ui taw r, o c lf ng m orga a ia s i or r t fa en l pur ha e a fnanc t Pr te . A m ong t t ge pplc nt n de o r udul ty c s nd i e he operi s he i vi l r cr t t a assr w buye swer B .P. JC. A. , nd Y. ndi dua s e uied o ct ta r e , . , G.a P. JOEL ZALDI VER, KYLE BAKER M dt r c piaor p e e ,andc us d heico- ons r t s r par d a e
t bepr pa e f s a fa entmorga a ia i andot rr a e doc o e r d, ale nd r udul t ge pplc tons he elt d ument onbehafof s l
t sr w b r Thel a ia i a r aed doc e s whi we e s it d t lnde s he ta uye s. oan pplc tons nd elt um nt, ch r ubm te o e r
i om e de is a s t , la lte ,ot l a iatons i en t m a t pr ry aprma y nc , post , s e s i biiis her oan pplc i , nt t o ke he ope t i r
r sde e a ot i or ton nec s r f rl nde st as e st sr buye s qualtcai nst e i nc , nd her nf ma i es a y o e r o s s he taw r ' ii to o
borow m o y. I s r ne n ome i t nce , t l n a ia i and r aed doc e sc ane f le nsa s he oa pplc tons elt um nt ont i d as
s a e e s a r pr s nt tons r a i t t pur has pr c of t Pr ri s The f s a t t m nt nd e e e a i el tng o he c e i e he ope te . ale nd
faudulntdoc r e ument we e us t i e t l nde s t f m orga l s r ed o nduc he e r o und t ge oans t pu c s a o r ha e nd fnanc t Pr ri . i e he ope tes Aspa toft l n a ia i pr e s JOEL ZALDI r he oa pplc ton oc s , VER a KYLE BAK ER nd
cr a e a c us d t be c e t d,f le a fa en ve ii a i ofe oyme f t sr w e t d, nd a e o r a e a s nd r udul t rfc tons mpl nt or he ta buye si or rt f t ri uc t lnde st a ove t m org e l ns r n de o urhe nd e he e r o ppr he t ag oa .
8. As pa' oft c osn pr es , RAFAEL UBI l t he l i g oc s ETA pr pa e , a c ed t be e r d nd aus o
pr pa ed,a s e r nd ubmitd t lnder f le a fa e HUD- Stt ment whih f lel sae , te o e s a s nd r udulnt l ae s c a s y tt d a mong ot t ngs t t sr w buye ss i t rown c h-o- l e f her hi , hat he ta r uppled hei as t cos undsa t cl i of t he osng t s l ta a tonsf rva i pr ris he ae r ns c i o rous ope te .
9.
W I AM H ARTNETT l lt us d t e ry-ee el npr e t s tsyt sr w buye s LLI l hen e he a l r las oa oc eds o a if he ta r'
ca h-o- l e oblga i . s t c os i tons
11.
dibureme st be m a fom t morga l n pr e , and alo fa e l di re l n s s nt o de r he t ge oa oc eds s r udul nty ve td oa pr e fom t s l s ta a tons f t rown pe s lbe i a / t f t rt fa oce ds r he a e r ns c i or hei r ona neft nd or o urhe he r ud
schem e.
1 2.
( 8U. C. 1 4 ) 1 S. j 3 3
Pa a a 1t ough23oft Ge r lAleg tonss tonoft sl ct r gr phs hr he ne a l a i ec i hi ndi ment er ar e al ge a i or aed f l he en by r f r nc . le d nd nc por t uly r i ee e e
Fr i ora ound Fe ua y 2007, t ough i orar om n r br r hr n oundJ 2007, i M i miDa une n a - de a Br r Counte ,i t Sout r DititofFl i , and e s whe e,t de e nd owa d is n he he n src orda le r he f ndant, s
A N G EL BA R R O SO , W I AM H ARTNETT 1 1 LLI 1, R AFAE L UBI ETA and JO EL ZALDI VER,
di knowi y,and wih i entt de r ud, de s a i e t de s ,a s he a a tfc t d ngl t nt o fa vie, nd nt nd o vie c me nd rii e o de r ud,a t obt i m one a pr t b me ofmat i l f le a fa e pr t es fa nd o an y nd opery y ans eraly a s nd r udulnt eens
,
r pr s t tons and pr s ,knowi t tt y we e f le a fa entwhe made a di e e en a i , omies ng ha he r a s nd r udul n d , nd knowi y tans i a c us t be ta m it d i i e sa e c mer e, b m e ns of wie ngl r m t nd a e o r ns te n nt rt t om c y a r
c muni ton,c rai wrtngs sgns sg s pit e a s om cai e t n ii , i , i nal, c ur s nd ounds f t pu pos ofe utng , or he r e xec i
t s he ea arii et de r ud, i vi ato ofTil 1 Unie Stt Code, Sectons 1343. he c m nd tfc o fa n ol i n te 8, t d a es i
PURPOSE OF TH E SCH EM E AND ARTI CE FI
3.
l wa t pum os oft s mea a tfc f hede enda sa t i c om plc s t s he e he che nd rii e ort f nt nd he ra c ie
tna e r sde ilpr ri si M im iDa a Br r Countes Flrda; b)s i nc e i nta ope te n a - de nd owa d i , o i ( ubmitngfle ti as andfa e m o t gel n a i a i , cl i doc r udulnt rga oa pplc tons osng ument a o he r a e l n doc e st s nd t r elt d oa um nt o tna i and l ng i tt i , t r by i i t fnancaland l ng i tt i t ma i ncal endi nsiutons he e nducng he i i endi nsiutons o ke
morga a baloonl nst sr w bu r f t purha eoft rsdenta pr tes ()c i t ge nd l oa o ta ye s or he c s he e i il operi ;c ausng
t lndi i tt i t l n mor m one t n t ot wiewoul ha l ned bypr pa i he e ng nsiutons o oa e y ha hey her s d ve oa e rng
,
mone s sdt t buyesa s les a ( di ri fa pr e f herpe s us a ydibure o he r nd elr; nd d) vetng rud oce ds ort i ronal e nd
be i, nd t f t rt fa s heme. neft a o urhe he r ud c
THE SCHEM E AND ARTI CE FI TheM a rand M ea s ton ofCount1oft l ct e ar r - l d a nne ns eci he ndi m nt e e alege nd i or aedby r f e e a t nc por t e er nc s hough f l s tf t he ei asades rpton oft s he ea uly e orh r n ci i he c m nd
a tfc r ii e.
USE OF TH E W I RES
5.
beow, orhepur eofe utngandi f t r nc of heaf e ai s hemeanda tfc t de r ud l f t pos xec i n urhe a e t or s d c riie o fa
a t ob a n mone a pr ry b mea of ma e i l f le a faudulnt pr t nses, nd o t i y nd ope t y ns t raly a s nd r e ee
6 8 2007 //
W I AM HARTNETT 1 1 LLI 1,
W ieta f ri t a ountof r r ns e n he m
6/ / 13 2007
ANGEL BARROSO ,
Upon c c i ofavi ai n of orac pia y t vi a e Til 1 , Unied St es onviton ol to , ons r c o olt , te 8 t at Code,Se ton 1 c i 343,a aleg i t sl cm e , t def nda s c ced s l f f i t t s l ed n hi ndi t nt he e nt o onvit ha l oret o he
Unie St t ofAmerc a 1hi r pe i rght tte a i e es i any pr ry c tt i td aes ia 1 s es ctve i , il nd nt r t n ope t onsiutng
, or
de i d fom , pr e obt ne diec l ori r c l , a t r ul ofs h vi a i rve r any oce ds ai d r ty ndie ty s he es t uc olton
pur ua s nt
A1 pur ua t Til 1 Unie Stt Code Se to s9 2()2 ( , n t epr c d rsst 1 s nt o te 8, td a es , cin 8 a ( )A) a d h o e u e e f t a Til 21 Unied Stt s Code Seci 853,a m a a ia e by Til 1 , Unie St t orh t te , t ae ton s de pplc bl te 8 , t d aes
'o c E s F k p h#r
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UNI STATES DI CT COURT TED STRI Case 1:12-cr-20423-KMM Document 3 Entered on FLSD Docket 06/08/2012 Page 13 of 19 SOUTHERN DI CT OF FLORI STRI DA
UNI STATES OF AM ERI TED CA
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PENALTY S HEET
D e endantsN am e: ng Ba r o f ' A el r os
Cas N o: e Count#:1 Cons r c t Com mi W ieFr pia v o t r aud Til 18 Unied St t Code Se ton 1 te . t aes p i 349
# M axpenaly' t. 20 year 'i pr s ent s m i onm
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* M ax. penalv: t
Count#:
# M ax. penalv: t
*Ref r onl t pos i e t r ofi e s y o s bl e m ncar r i over ap doe noti l pos i e f ne , ce aton, l s nc ude s bl i s restt i s alassess ent parol t s,or f iuton, peci m s, e erm orfeiuresthatm ay be applcabl . t i e
Cas No: e
Count#:1
Cons r c t Cpm m i W ie Fr ud pi a y o t r a
- .-
*M axpenal : l
Count#:
* M ax. penalv: t
Count#:
# M ax. penalv: t
WRe er onl t pos i et m ofi c ra i o r ap doesnoti l pos i efnes f s y o sbl er ncar e ton, ve l ncude sbl i , re t t i s c alas e s e s par e t m s or f f t e t m a be applc e s i uton, pe i s s m nt , ol er , or eiur s hat y i abl .
Count#:1
Co pia y t Com p i W ie Fr ns r o t r aud
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* e er onl t pos i e t m ofi ar ra i ove l doe noti ude pos i e fne , R f s y o s bl er nc ce t on, r ap s ncl s bl i s r s iuton,s i as e s e s par e t rm s or f f t e t t m a be applcabl . e tt i pec al s s m nt , ol e , or eiur s ha y i e
Count #:2s 3 W ieFr ud r a Til 1 Unie St t Code-Seci 1 te 8. td aes ton 343 *M ax. nal : pe w
Count#:
* M ax. na t pe l v: Count#:
*Ref r onl t pos i e t r ofi e s y o s bl e m ncar er i ove ap doe no i l pos i e f ne , c aton, rl s t nc ude s bl i s r s iut on,s ci as es m e s par e t r s or f f t est m ay be applc e. e tt i pe al s s nt , ol e m , or eiur hat i abl
Ca eNo: s Count#:1 Co pia v t Com mi W ieFr ud ns r c o t r a Til 18 Unied St t Co Se ton 1 te . t aes de. c i 349
# M axpenaly: t 20 year i pr s ent s' m i onm
Count #:2s 3 W ie Fr ud r a
* M ax. penalv: t
Count#:
* M ax. penalv: t
*Re e s onl t pos i e t m ofi fr y o s bl er ncar e i o rl doe noti l pos i e f nes c raton, ve ap s nc ude s bl i , r s iut on,s c alas es m e s par e t m s or f f t e t m ay be applc e e tt i pe i s s nt , ol er , or eiur s hat i abl .
Count#:1
Cons r c t Com mi W ie Fr ud pia y o t r a Til 1 Unied St t Code.Sec i 1 te 8. t aes ton 349
# M ax- naly! pe t Count#; 20 ye s i pr s e ar ' m i onm nt *
Count#:
* M a pe l v: x. na t
A e er onl t pos i e t m ofi ar er i o r ap doesnoti ude pos i e fnes R f s y o s bl er nc c aton, ve l ncl s bl i , res i ut on,speci as sm ent parol t s or f eiures t m ay be applcabl . tt i al ses s, e erm ! orf t hat i e