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NGlann Did Mr. Richards honestly  think he could make the payments on $2,715,000 in mortgage loans on his salary from his personal security job? Ignorance of a law does not excuse anyone from obeying that law.  Naivete and blind trust in a friend does not excuse anyone from their obligation to repay a loan they pledged to honor when they signed the loan documents.  So, unless David Crisp forged his name to the loan documents, I don't see how  Mr. Richards can blame anyone, but himself,  for his predicament.
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