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Home > Debt Relief Industry > The Clusterf**k Continues – Amended Complaint Filed in Kevin Devoto Suit Against Lloyd Regner and The Debt Answer

The Clusterf**k Continues – Amended Complaint Filed in Kevin Devoto Suit Against Lloyd Regner and The Debt Answer

This just in. Sources tell me a copy of the amended complaint was just served against parties named. I originally covered the first version of this suit filed in my post Bear Hunt Excuse Used in Update to Most Bizarre Debt Industry Lawsuit. Let’s see what the latest version alleges.

The entities named are Kevin Devoto and Nisco Enterprises v. Lloyd Regner, ABC Administrative Services, CRLK, LRKD Auto, R&D Market Development, REGDEV, ABC Debt Relief, The Debt Answer, Stephanie Cherwin

This amended complaint includes a newly named party, Stephanie Cherwin. To make the situation even more wild inside sources tell me the divorce between Lloyd Regner and his wife Stephanie Cherwin that was filed October 4, 2011 is going to be back on.

This time around we have strippers, booze, offshore gambling, alleged cyber crime, smuggling money out of the country, and Lloyd Ward operating with known companies operating questionably and allegedly against the law.

The new version of the suit filed by Kevin Devoto and Nisco Enterprises alleges the following:

This case involves an unlawful seizure of the control of businesses by Regner, the 50% owner, to the exclusion of the other owner, and the systematic looting and mismanagement of these businesses by Regner with the active assistance of Cherwin, his once estranged but now apparently reconciled spouse. Cherwin filed an Original Petition for Divorce with the 302″” Judicial District Court, Dallas County, Texas (Cause No. DF-11-17266) on October 4, 2011 citing “marriage unsupportable due to conflict and discord of personalities.” The businesses in question were owned 50% each by Devoto and Regner. Devoto sought to sell his interests to NISCO and Regner agreed. Regner then reneged on his promise and took active steps to exclude both NISCO and Devoto from the management of the businesses. As set forth below, Regner and Cherwin have caused the businesses to defraud and steal from a law firm [Lloyd Ward & Associates I imagine.] which whom the Companies once worked, and have violated numerous civil and criminal statutes.

By this action, NISCO and Devoto seek damages against Regner and Cherwin for breach of fiduciary duty and civil conspiracy. Further NISCO and Devoto seek a judgment of specific performance against Regner requiring him to execute all documents necessary for NISCO to become a full equity member of the businesses (limited liability companies) as he promised. Finally, NISCO and Devoto request this Court appoint a receiver over the businesses due to the deadlock in control and to prevent further waste and misappropriation.

The suit labels this information as Factual Background.

Devoto first met Regner in 2005 at USA Card Services. At the time, Devoto was VP of Sales and Regner was hired as an entry level sales representative.

Regner had just moved back to the U.S. from Costa Rica, where he ran an illegal offshore gambling operation. It was in Costa Rica where he met, Cherwin, who at the time was a married woman with one daughter. Cherwin worked for Regner as a customer service representative, they had an interoffice affair and supposedly married after she divorced her then husband. Cherwin is a Costa Rican native and has kept a dual citizenship which has enabled her to make undetected deposits in Swiss and other foreign banks.

After his offshoregambling operation failed, Regner moved back to the U.S. where he worked various jobs before being hired by Devoto at USA Card Services.

Regner was fired just two months after being hired for poor sales performance at his entry sales position job at USA Card Services. lt was later discovered that he was running an illegal sports-book website called “TinyTuna” in the workplace.

At USA Card Services, Devoto had grown the sales production from 10 to 150 sales representatives in four years. However, by late 2006 Devoto saw greater opportunities and thus started up a debt settlement business. Devoto formed The Debt Answer LLC, a Texas limited liability company. After several months of working both a full-time day job and starting his new business, Devoto believed he had enough clients to devote himself fulltime to his new business. Soon, The Debt Answer LLC had hundreds of debt settlement clients and was a thriving new company.

Regner had remained in contact with Devoto after his firing at USA Card Services. Regner learned that Devoto had started his own debt settlement business and was very successful. Regner explained to Devoto that he was still struggling to find work and that his wife, Cherwin, was supporting him and their family financially through her father’s inheritance and odd jobs at T-Mobile & Troy Aikman Ford.

Devoto as a favor, helped Regner get a job at USA Vs Debt (a debt settlement company) as a debt sales consultant. While still working as a debt sales consultant at USA Vs Debt, Regner formed ABC Debt Relief Ltd. Co., a Texas limited liability company in 2007.

Update: 7-5-2012 – Valerie Edwards- President of USAvsDEBT, Inc. says, “Kevin Devoto NEVER EVEN WORKED AT USA vs. DEBT, Inc.”

Regners efforts to grow ABC Debt Relief Ltd. Co were unsuccessful, so he approached Devoto for help (again) and offered to invest $150,000 in Devoto’s new debt settlement business. At the time, Regner claimed the funds were his own money, but it was later determined that the $150,000 came from Cherwin’s inheritance from her father. Thus, despite the fact that ownership was taken in Regner’s name, she holds equitable title to the member interests as separate property.

Cherwin’s ownership may become particularly relevant in that she filed an Original Petition for Divorce with the 302″° Judicial District Court, Dallas County, Texas (Cause No. DF-11-17266) stating that she “owns certain separate property that is not part of the community estate of the parties and requests the Court to confirm that separate property as [her] separate property and estate.”

In exchange for the $150,000 seed money, Devoto offered Regner a 50% ownership in his debt settlement business. Although Devoto did not need that capital to continue to grow his business, he believed that the infusion of cash into marketing for new business leads could take his new company to a higher level in sales. As part of the $150,000 investment, Devoto & Regner agreed to split 50% – 50% their individually owned LLC companies: The Debt Answer LLC and ABC Debt Relief Ltd. Co. Devoto’s The Debt Answer LLC was already a thriving and profitable business whereas Regner’s ABC Debt Relief Ltd. Co. was a start-up with zero business. Devoto’s choice to partner with Regner would come back to haunt him.

Eventually, other companies were formed, with Devoto and Regner becoming a 50% owner in the other’s company as well as the following entities:

  • ABC Administrative Services, LLC, formed to manage staffing and payroll for a group of limited liability companies involved in telephone call center direct to public marketing;
  • REGDEV, LLC, formed to channel customer care and debt negotiation work to 3rd party providers;
  • R&D Market Development LLC, formed to incubate new call center sales programs;
  • CRLK LLC, formed solicit tax mitigation and IRS offer and installment payment programs; and
  • LRKD Auto LLC, formed to solicit after market auto warranty programs.

These seven limited liability companies are hereinafter referred to as the “Companies.”

During the period that Devoto actively managed the Companies between 2007 through January 2012, Regner and Cherwin were essentially absentee owners.

Devoto was the driving force and collectively grew the debt settlement business, tax settlement business, credit repair business and auto warranty business to tens of millions of dollars in annual sales, single-handedly achieving the Companies success.

Meanwhile, Regner and Cherwin spent virtually no time at the office and were completely uninvolved with any of the businesses.

Regner is an avid subscriber to conspiracy theories, believing (among other things) that the financial and political order of the world is directed by the Illuminati. Thus, Regner insisted upon collecting his distributions in $25,000 checks, which he would then cash and have Cherwin, using her Costa Rican citizenship, deposit the cash in overseas Costa Rican bank accounts and transfer gold to Swiss banks.

Regner and Cherwin would fly out of the US with hundreds of thousands in gold and cash, moving it on their person undetected to Costa Rican bank accounts. Those monies and medals would subsequently be transferred to Swiss bank accounts.

Cherwin and Regner made these trips at least a dozen times a year; amounting to millions in unreported dollars. Che1win’s family was also instrumental in transporting cash and gold into foreign bank accounts on their behalf. _

Disputes frequently arose between Devoto, who wanted to pour the Companies’ profits back in the business, and Regner, who was primarily interested in receiving greater distributions. During this time, Regner’s behavior became increasingly erratic. His absences from the office were more and more frequent. Often when he did show up, he smelled of alcohol and typically would simply walk in his office and shut the door behind him. During his appearances at the office, he often behaved belligerently and abusive to employees. Melanie Bixler, former HR director, complained of sexual harassment by Regner and intends to pursue that complaint formally. And, Regner’s comments and viewpoints have been a point of contention and offense with employees in the office.

In 2011, the CFO of the Companies, Mr. Rick Longo, expressed concerns to Devoto regarding the sketchy manner in which Regner was collecting his distributions ($25,000 checks being cashed and delivered to off-shore accounts) and also with the types of expenses he was billing through the businesses. Some of Regners invoices submitted through Companies expenses appeared to be related to gambling. And there were a significant number of invoices for Dallas Men’s clubs with costly “upstairs upgrades” for Regner and the IT Manager, AJ Mulligan, as well as Vegas strip clubs.

In 2010, Mr. David Glenwinkel (“Glenwinke|”) of Executive Management Solutions met with Devoto and Regner concerning setting up a different business structure. To this end, Glenwinkel formed Lone Star Management, Inc. to manage the Companies.

Also in 2010, ABC Debt Relief Ltd., Co. and The Debt Answer LLC retained the services of attorney Lloyd Ward who operated as Lloyd Law Group. ABC Debt Relief Ltd., Co. and The Debt Answer LLC provided marketing and advertising for Lloyd Ward Group, provided some personnel training and oversight, while any activities considered legal services were provided by Lloyd Ward Group.

This association was necessary due to changing state laws which required debt settlement/management companies to affiliate with a licensed attorney. State regulatory laws in approximately half the US required that debt settlement businesses be run by a law firm and that the debt settlement client engage the services of the attorney of the law firm. Regner and Devoto aligned with Lloyd Ward Group to be in compliance with all US states regulatory laws as they pertained to the debt settlement/management industry.

In 2011, Devoto tired of Regner’s disruptive behavior, negative energy, and the dishonesty of Regner and Cherwin’s depositing of unclaimed money and gold offshore. Thus, he decided to sell his interest in the Companies to Glenwinkel. To this end, Glenwinkel formed NISCO for the purpose of acquiring Devoto’s 50% interest in the Companies. Devoto met with Regner, who agreed to consent to the transfer as required by the operating agreements of the Companies and to make NISCO a full member of the Companies.

On or about January 1, 2012, NISCO and Devoto executed a Member Certificate Purchase Agreement, and needed Regner to execute the necessary documents to accept NISCO as a member of the Companies as he promised.

However, Regner stalled and never ultimately executed any of the required transfer and consent documents.

Under the arrangement agreed to between Devoto, Glenwinkel and Regner, although NISCO would be the new member of the Companies, Devoto would remain as President, and receive $10,000 a month from NISCO.

During or about June 1, 2011, Devoto and CFO Rick Longo approached Regner with the idea of returning the Companies to selling debt settlement, however, Regner was not interested. So, during or about August 1, 2011 Glenwinkel formed Global Marketing Development Corporation and brought Devoto on as an Independent Marketing Consultant. The operating agreements of the Companies expressly permitted members to engage in other businesses, including those in competing businesses such as debt settlement.

ln February of 2012, Regner learned that he was not included in this new business between Devoto and Glenwinkel, he threw an juvenile temper tantrum, and was enraged with jealously because of not being included. Regner had grown wealthy off of Devoto’s hard-work and apparently developed a false sense of entitlement over Devoto. In retaliation, Regner then refused to acknowledge the transfer of member interest to NISCO and took the following actions:

  • Regner disabled Devoto’s building access code.
  • Regner instructed IT Manager AJ Mulligan (who upon belief is currently the subject of a federal investigation for cyber crimes he committed under the direction of Regner) to disable all Devoto’s email accounts.
  • Regner also instructed building security that Devoto was not allowed on the office premises and to tow Devoto‘s vehicle if seen.
  • Regner also contacted all lead vendors who worked with Devoto (and who had no relationship with Regner), telling them that Devoto was no longer with the Companies and would no longer be able to speak to anyone on behalf of the Company.
  • Regner further contacted all employees and management of the Companies (most of which had no significant dealings with Regner outside Companies holiday parties and occasionally Regner went to sales dinners for that month’s top sales performers who Devoto managed on a daily basis), told them that Devoto was no longer an owner or involved with the Companies, and instructed them to have no further communication with Devoto.
  • Regner told the employees that they would be fired if caught communicating with Devoto.
  • Regner also emailed Devoto, telling him to speak to no one at the office and only deal with the “corporate counsel.”
  • Regner specifically ordered CFO Rick Longo to “never pay Devoto another dime.”

Remembering CFO Rick Longo’s criticisms concerning his questionable expenses and his belief that Longo was assisting on the side of Glenwinkel and Devoto, Regner promptly fired him. Out of paranoia, Regner also purged the Companies of employees who he perceived as being loyal to Devoto. For example, Kylie Britt, marketing analyst and an employee of 2 1/2 years; Melanie Bixler, human resources director and employee of 3 1/2 years; Vanessa Ortiz, finance manager and an employee of 3 1/2 years; David Robinson, sales representative and an employee on and off for 5 years; Marcy Skingel, accounting manager and an employee of 1 1/2 years; Cristina Ortiz, debt negotiator and an employee of 1 year; Mark Richardson, sales representative and an employee for less than 6 months.

Regner refused to pay thousands of dollars in outstanding invoices to lead providers for marketing leads they had already provided to the Companies who he believed were loyal to Devoto as well.

For example, Truman Hedding of Trulnteractive Media and West Harris of Digital Tree Top, who both have active claims to collect from Regner.

Cherwin replaced Melanie Bixler as the human resources director, but she is believed to have a much greater role in managing the affairs of the Companies. While acting as human resources director on February 22, 2012 Cherwin improperly and illegally gave Cameron Knox, an employee of the Companies, Devoto’s human resources employee file.

Cameron Knox took Devoto’s personal information, including his social security and date of birth to commit identify theft against Devoto. This offense was reported to the Plano police department Offense Report Number: 2012-035033 on March 06, 2012 and it was reported to the Federal Trade Commission.

Further, Regner unlawfully caused stock certificates in Lone Star Management and Development, Inc. to be issued in his name. This corporation was formed in late 2010 by Glenwinkel to manage the Companies. Without any authority, Regner caused 1,000 shares to be issued to him and now purports to control this company. Regner subsequently removed approximately $400,000 from Lone Star’s accounts.

During or about February 1, 2012, the Lloyd Ward Group terminated its relationship with Regner and the Companies. The Companies possessed a database of Lloyd Ward Group clients which Lloyd Ward Group requested be returned. Regner refused.

In January of 2012, Lloyd Ward learned that Regner had registered the domain name “lloydwardlawfirm” and was using it on the Companies emails and letterhead. Lloyd Ward sent Regner a cease and desist letter concerning the use of his name in any advertising or communications, including emails. This cease and desist letter was ignored.

Lloyd Ward then discovered that Regner was using the Lloyd Ward Group client database for marketing purposes. Regner and Cherwin were causing the Companies to send Lloyd Ward Group clients advertisements for tax relief, and extended auto warranty.

These advertisements were sent under Lloyd Ward Group letter head, making it appear that Lloyd Ward Group approved of the services. Lloyd Ward sent another cease and desist letter which was likewise ignored.

Regner and Cherwin then caused employees of the Companies, especially the Director of Debt Customer Service, Kervin Jackson, to improperly access data of the Lloyd Ward Group, obtain customer information and contact clients of the Lloyd Ward Group, falsely claiming to be Lloyd Ward Group employees.

Regner and Cherwin instructed employees of the Companies to request the Lloyd Ward Group clients to fill out new account applications with the independent third-party payment processors, so that the commissions will be redirected from the Lloyd Ward Group to the Companies.

The Lloyd Ward Group has sent cease and desist letters to Regner which have been ignored. The new agreements are not FTC compliant and require monthly payment of fees. Moreover, by doing this, Regner and Chervvin are causing the Companies to violate the laws of multiple states, for the Companies are not licensed to operate in any state as a debt settlement/management company.

Regner and Cheiwin have also established new companies, such as ABC Debt Solutions Ltd and, upon information and belief, transferred funds of the Companies into accounts held by his new companies. Also upon belief, Regner, aided by Cherwin, has transferred Company funds offshore, out of the ‘reach of the U.S. government.

Over the last months, the actions of Regner and Cherwin have put the Companies on a collision course towards financial disaster. Regner and Chervvin have deceived thousands of Lloyd Ward Law Group clients, thus exposing the Companies to significant liability to Lloyd Ward Law Group. Regner and Chervvin have deceived Companies employees by hiding the fact that Lloyd Ward Group was not in approval of the Companies business activities and furthermore, that the business activities they are performing are against the law.

The Companies cannot sustain the incompetence displayed by Regner and Cherwin as neither have ever had any material involvement in any of the Companies businesses – and very little true business background beyond running an illegal offshore gambling processing center in Costa Rica.

Also, the Oregon Attorney General filed an investigative demand against ABC Debt Relief LTD for case DOJ file no: 137420/FF0124-12 on May 8, 2012. The Oregon Attorney General Department of Justice versus ABC Debt Relief LTD for alleged violations of Unlawful Trade Practices Act. If Regner and Cherwin continue to loot the Companies and mismanage the sales performance of the Companies there would be no money in the Companies to pay for any damages incurred from pre-existing cases if lost; nether for, future liabilities that will most likely result from Regner and Chenrvin’s present violations of numerous civil and criminal statutes.

NISCO and Devoto have asked Regner for all Companies financial statements, profit & loss reports, sales production reports, distribution reports, expense reports etc. However, when Veritas, the third party accounting firm, contacted Regner to schedule a date to review the financials, Regner refused the auditor access to the Companies’ books and records. NISCO and Devoto have now been forced to request those same documents through the discovery process in this litigation. Upon information and belief, these records will confirm Regnefs embezzlement, looting and waste of funds of the Companies. – Source

The Clusterf**k Continues   Amended Complaint Filed in Kevin Devoto Suit Against Lloyd Regner and The Debt Answer
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Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • 7472211

    his federal inmate number was found  at bop.com/inmatelocator.  the 77, means the crime happened in northern texas.  you can check on any name there. but keep in mind, the name of the person could have changed since their release. then it might not show up in their registry. also, the clerk who entered the information can also make mistakes.  
    checking people online with the different search engines, results vary.  you also have to go back a couple of pages.
    there are a couple of photographs online of a kevin devoto.

  • 7472211

    Home Site Map Contact Us
    An agency of the U.S. Department of Justice                Website               Facilities               Policy              AboutInmate LocatorPrison FacilitiesCareersInmate MattersPolicy/FormsDoing BusinessNews/InformationInmate LocatorAbout the Inmate LocatorVisiting – General Info- Visiting Hours- Who Can Visit?- Background Checks- Business Visits- Special Circumstances- Visiting Room Procedures- Conjugal VisitsLocate Inmates Released Before 1982Who is a “Federal” Inmate?Related DocumentsInmate Locator - Locate Federal inmates from 1982 to present NameRegister #Age-Race-SexRelease Date
    Location1.KEVIN M DEVOTO28401-17749-White-M02-03-2004RELEASED Results 1 – 1 of 1

    • Worthlessthenworthlessnow

      Priceless. Now he’s a “felon”. Hilarious! Anyone having ever worked there knows this guy is the only reason anyone had a job there which will soon enough end. He was good enough while they all paid their rent off riding his coat tails as none of them could find their ass with both hands without him. Typical takers vs makers. Nothin new under the sun. They were all broke before they started sucking millions off him. Lmao. Losers lose.

    • [email protected]

      Lloyd Regner? Stephanie Cherwin? Well. I think we shall see soon enough.

      • [email protected]

        Isn’t Stephanie Cherwin the wife that has filed for divorce from Lloyd Regner????
        What’s the real story there? Makes me wonder!

      • RobertsFaiT

        Oh, you mean this Site?

        http://courtecom.dallascounty.org/

        And this case number??

        DF1117266

        What is the Story here? Why did Stephanie Cherwin choose to file for divorce from this man named Lloyd Regner? I mean, why do people do such a thing? I would never want to just speculate.

      • Thissite
      • What

        What’s this mean above where it reads:

        “Regner is an avid subscriber to conspiracy theories, believing (among other things) that the financial and political order of the world is directed by the Illuminati. Thus, Regner insisted upon collecting his distributions in $25,000 checks, which he would then cash and have Cherwin, using her Costa Rican citizenship, deposit the cash in overseas Costa Rican bank accounts and transfer gold to Swiss banks”

      • Thisisunreal

        Am I reading this correctly above?

        “NISCO and Devoto have asked Regner for all Companies financial statements, profit & loss reports, sales production reports, distribution reports, expense reports etc. However, when Veritas, the third party accounting firm, contacted Regner to schedule a date to review the financials, Regner refused the auditor access to the Companies’ books and records. NISCO and Devoto have now been forced to request those same documents through the discovery process in this litigation. Upon information and belief, these records will confirm Regnefs embezzlement, looting and waste of funds of the Companies. – Source”

        Wow… I’m so confused

      • Paris Regner

        who knows

      • Geeeez

        What?

        Am I reading this correctly above?

        Also, the Oregon Attorney General filed an investigative demand against ABC Debt Relief LTD for case DOJ file no: 137420/FF0124-12 on May 8, 2012. The Oregon Attorney General Department of Justice versus ABC Debt Relief LTD for alleged violations of Unlawful Trade Practices Act. If Regner and Cherwin continue to loot the Companies and mismanage the sales performance of the Companies there would be no money in the Companies to pay for any damages incurred from pre-existing cases if lost; nether for, future liabilities that will most likely result from Regner and Chenrvin’s present violations of numerous civil and criminal statutes.”

    • Whywouldthey

      What does this above mean to an average customer?

      “Regner and Cheiwin have also established new companies, such as ABC Debt Solutions Ltd and, upon information and belief, transferred funds of the Companies into accounts held by his new companies. Also upon belief, Regner, aided by Cherwin, has transferred Company funds offshore, out of the ‘reach of the U.S. government.”

      • CostaRicaisaHaven

        Please tell us that this could never be true I’m so lost about what’s written above about these two that we all trusted:

        “The Companies cannot sustain the incompetence displayed by Regner and Cherwin as neither have ever had any material involvement in any of the Companies businesses – and very little true business background beyond running an illegal offshore gambling processing center in Costa Rica.”

  • FrikkenFrak

    After reading this entire story, I feel like I need to go shower.  I feel grimy just reading it. 

  • FrikkenFrak

    “Valerie Edwards- President of USAvsDEBT, Inc. says, “Kevin Devoto NEVER EVEN WORKED AT USA vs. DEBT, Inc”

    Did she mean to say “Mr. XYZ has never been an employee of or worked for USAvsDebt”?

    Ok, looking past the fact that the issue was REGNER working there, not Levato, I’m just stunned by the phrase  “Never even worked at…”    !??? 

    Good grief, woman, hire a public relations firm to write your statements.  What a poor impression it makes when the president of the company sounds as if they fell off the back of a turnip truck! I’m surprised she didn’t say “ain’t never worked at..” or “he done never worked at”.

    Yeah, I’m picky. But then again, I tend to have high expectations from ANY company or business that is handling MONEY that belongs to OTHERS.

    • Andddd

      Excellent point. Also, not sure why one would assume that in order to help someone obtain employment somewhere, they’d need to, or would assume to be or have worked there. I as an example have assisted many friends over the yrs get jobs through referrals having never worked at where I was referring them to. But hey, maybe the author has some other unrelated point to make. Seems to miss the greater topic though. Just my two cents.

  • Notgiven

    Steve, I can tell you as a past employee of Lloyd Regner & Kevin Devoto that almost all of your information is incorrect. You are making Lloyd Regner out to be a very bad person when in fact he is a very kind and caring person, very honest and was always willing to go the extra mile for any of his employee’s. You really should stop your attack on these two. I admit they are having a business dispute but your facts are all incorrect and very harsh. 

    • http://GetOutOfDebt.org Steve Rhode

      I think you are reading the article wrong. These are not my accusations. This is what the lawsuit filed by Kevin Devoto says. The lawsuit is linked at the bottom of the story. You can read it there.

      So why would Kevin Devoto and Nisco Enterprises make such inaccurate claims then?

    • Jereryb23

      I’m sure time will tell. It’s also quite possible your view of Regner as an employee, was limited to what he (as any employer would) wanted you to believe. I’d say there’s very little contained herein (if true to any extent) that he would reveal any employee so it’s questionable how you’d ever know those types of details. Why would you?. Besides, not all define “Bad” the same. I’m sure he’d be grateful that your perspective of him is what it is, whether accurate or not. Nice words regardless.

  • Wsrt_ty

    Wow

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