New Leaf Loan Modifications – DRE files cease and desist

Oleg Artishuk is a complete tool. He runs this chop shop by having all of his managers try and motivate all of the sales associates. The managers give all the employees all this crap about how the business is legit and the phone calls will be pouring in, when in reality all of that is false. The worst part is that Oleg just hides in his office all day. He doesn’t have the guts to come out of his little cave and say anything for himself. While the managers are trying their hardest to keep the employees in their seats, Oleg just sits there with his arms crossed. Talk about haorrible, pathetic leadership! This guy clearly wasnt cut out to be a leader. So it was only a matter of time until his cute little fraudulent business fell apart. Wasnt even in existense for a year…way to go champ. But it gets better, whenever a sale is made, all the managers would scurry out of there offices and ring some stupid GONG! Yes people, an actual GONG. Just like it was the circus. And this is the place charging people $4,000-$7,000 per “loan mod.” The D.A. needs to put an end to this crook and all the crooks that work for him!

Loan modification agency Amerimod of Long island is a rip off.. I have paid them three thousand dollars ($3,000) upfront for a modification and after 8 months nothing have been done. I went their to get my money and one of the senior personel (Craig) said he will not pay. I intend to seek all legal chanel to get my money back.

Please remove my full name from this Blog please, I do not work for New Leaf Modifications – I do not want people thinking I’m associated with any illegal activity with the department of Real Estate. I was a fan on facebook, not any more. Removal of my name from this blog would be greatly appreciated.

I paid $3000 for a loan mod at New Leaf Loan Mod few months ago and nothing been done. All I know is this rep named Dee was taking cared of my paper work, I called the office at 916-783-3373 and 866-222-1209 on the 8/7/09 and they said the office is mow closed. I then knew i was scam. Does anyone know, how would I get my money back or report them to BBB or anything…

I too have been scamed by new leaf I would urge everyone that has to call the DRE and file a complaint the more complaints the more this guy will go down.. as for getting our money back yeah not sure how that will happen but I hear that they are supposed to be open in a few days ya right.. so I will be calling to try to get my money and I contacted my bank and hopefully they will help modify my loan….

This man is in big trouble, he’s a con-artist. This schmuk took money from people that were on thier last leg, people that were on the verge and this I know for a fact as I am very close to one of them. Since Olag screwed her and she now realizes it she is, I am very afraid she is really on the verge. She worked very hard and scrimped and saved every dime she could to give him $3,500.00 for the fee he requested and he told her if the loan does not go through he will give her all her money back with the exception of the $600.00 precessing fee. Since she has found out this is a scam she freaked and now can’t be found, I heard she quit her job she was so stressed and now I don’t know where she is.
Well there is more than one way to skin a cat or should I say an Olag, he’ll get his……watch.

I am having my problems with New Leaf and Second Chance. I invite anyone who is having problem with New Leaf please email me @ creinold@hotmail.com or call me at 916-230-2744 as I am filing to take them to small claim court, any witness to their business practices will be appreciated. Thank you! Charles Reinold

Stewart Bloom would u like us to post recent emails from you thanking us how we are doing such a good job, complimenting us over and over? Mr. Bloom you went sour when you saw the hit piece by channel 3 news, before that we were great. . . . . A cease and desist not only prohibits us from originating new files but also stops us from working on all current files in progress. It wasnt our choice for stopping work on files.

I paid this company $3,000 with my credit card and they ruin my credit and they told me Every time that i call them they just lie saying that my loan will be fix by next week.

John Clerkin,

What do you mean you dont work for New leaf? We did the transaction at New Leaf office in Roseville, your business card says New Leaf, you’re always at New Leaf office and you DONT work for New Leaf? What “not enough savings” are you talking about John? There was no savings and you know that. I dont know if you call doubling your payment–savings John. Call me you know my number unfortunately I dont know yours.

What is the new company that will complete the transactions? Just like the files from 2nd chance were to be transferred to New Leaf to be completed. It never happened. Clients from 2nd Chance faxed requests for a refund to the New Leaf fax. Reuben just laughed when he read their request & threw the paper in the trash. Oleg, karma is a b*tch.

Maybe you should go to their other open office & visit Oleg in person.

I hope the same blogs are going out to these banks that are denying you for Mods for no reason……….

Oleg is not new to sucking money from innocent people. He has over 32 websites that he owns. All to do with mods or loans. Google his name-he knows exactly what he is doing. He still has a New Leaf website up-waiting for a few stragglers to give him money. His new modifications are going through another new company. He gets shut down & just opens a new company with a new name. File a complaint with the District Attorney & DRE. Put him where he belongs.

Oleg is a pastor at a church in Fair Oaks, CA. Let’s pay him and his congregation a visit this Sunday… 7405 Mariposa Ave., Citrus Heights, CA 95610

I just found out about this scram and iam also out $3500.00. I think we need to get together and fight time crap…………

I want to let everyone know who is working with my company that I will be starting a new company. It is called Crush Clothing and it will be located in The Fountains shopping center in Roseville, CA. I am using all of the money I gathered from New Leaf Modifications to start this new business venture. If you are owed a refund please come visit me there and we can chat. The store will be open very soon so you can bring all of your complaints to me or my wife in person at our new store. Once again, see me at Crush Clothing in Roseville, CA if you have a problem. My wife or I will be there to discuss.

I appreciate everyones input and I understand everyones frustration. I wanted to answer everyones complaints and comments. Many of you are upset because you feel New Leaf was a scam, however we weren’t. Everyones file was serviced until the day we were shut down. Not a single person who has complained on this blog had ever complained to us before we were shut down by the DRE. As many of you know we have complied with DRE’s demand to get licensed. Unfortunately the DRE is in no hurry to process our licensing request so we cannot work on any customers files. As a back up plan we have secured a relationship with a licensed mod company to finish everyones files. I apologies but refunds are not an option as New Leaf has been stripped of it’s ability to generate new business which would have allowed us to refund those who qualify. Our company is handling this matter as best as we can by continuing to make sure that at the end of the day each and everyone of you recieve a suceesful mod. Desiree, you are an ignorant person for thinking I am the only person on planet earth with the name Oleg. You simply searched google and saw an advertisement that said I owned an incredible number of domains, please google it again and notice that the area codes associated with that search are all international. Sara, please call your lender and thank them for their slow turn times, thank them that they are making it so dificult for you to obtain a mod on your own. Sara your mod isn’t taking so long becaae we weren’t doing anything, it was because your lender is overwhelmed and cannot handle the work load it has. Former Employee, you clearly do not know anything about me which means you are not a former employee. I am not nor was I ever a pastor. Anonymous post Aug 20th at 5:49, the reason we said that the problem we are in was cause by the DRE is because everything was was fine until the DRE stepped in, we submitted licensing paperwork soon after we were ordered too. The ball is In the DRE’s court to get us approved so that each customer may be serviced. The only reason the DRE is getting complaints now is due to us not being able to work on customer files, which was not our decision. Juan, we aren’t a scam and wok on your file will resume once we get licensing approval by the DRE. I invite every customer to email me directly at oleg@newleafmod.com I will reply to each email by end of same day, I believe we can all work together to make a positive outcome from a negative situation.

Whoever posted that last comment on Oleg’s name, I don’t believe everything that you said. No matter what you say, you are a scam! You will pay for what you have done to all the poor and and helpless people in this nation. Give me my money back!!! I don’t want to deal with your scam company anymore! Give me my $7000 back, no deduction of processing fee because you did not do anything to pursue my case. I don’t care if New Leaf was stripped off your ability to pay refund. It’s your problem. You stole the people’s money for a service that was never rendered in the first place. So if you’re having trouble paying back refunds, sell your properties so you can pay back all the hardworking people that you fooled!!! Anyway , you will end up paying millions once you’re convicted. How dare you say that you’re not a scam! You’re a scam! Your staff (Aileen Achacoso and her manager) even advised me to tell a lie, to make false statements to my lender to have my loan mod approved. They advised me to tell them that my husband lost his job. Isn’t that a clear scam and when I get in trouble, they don’t care because it won’t be their problem but mine. And you said you try to respond to emails daily? You’re a liar! I left you 2 voicemails and about 5 emails already but I never heard from you even once. To all those people who were victimized by this scam company, don’t give New Leaf a chance to continue working on your case because it will NEVER EVER happen. Let’s all work in filing a case against this scam company and getting our money back!!!

Oleg your lies abound! First in response to the statement. “I apologies but refunds are not an option as New Leaf has been stripped of it’s ability to generate new business which would have allowed us to refund those who qualify .” This means that you willfuly mismanaged company funds! The only funds you were entitled too from your own contract was $600.00 not the $1600 that you collected as a “wholesal/retail” operation. This means you stole the remainder of the your customers money embezeling and mismanaging money that wasn’t yours or New Leafs to spend….(it’s called and escrow account for a reason). Which leads me to point out the falacy of your arguement! As a business owner it is incumbent upon you to comply with all state and federal regulations and not be forced to by the state entities that enforce such regulations. By your argument a drug dealer isn’t breaking the law until he gets caught! Another man who is facing a LONG time in jail took similar actions with his clients and customers money his name is Bernie Madoff you should read about him and the consequences of stealing peoples hard earned money by preying on their misfortune.
You claim the only reason that you are recieving complaints is because the DRE has forced you to stop working on clients files. Isn’t it true that those who worked for you or were affiliated with you were also misled and lied to about the current state of your company to buy you more time and keep clients from knocking down your door.
Sadly because of your mismanagement of your company and it’s funds real people with families and children are going to be homeless losing their hard fought for homes. Your callous, craven and cowardly approach to dealing with this whole situation is reprehensible to say the least. While I know that a small room with a couple of bunks likely lays in your future since you lack the man hood to stand up and take responsibility for your actions there are those of us out here who will hold you accountable!
It’s sad when even your OWN employee’s haven’t been paid because your hunger for money blinded you. I hope your trip to the Caribbean earlier this year was satisfying because you paid for it with the blood, sweat and tears (might I stress TEARS) of families from around CA, OR, WA ( I might also add that all three states should in a short time begin conducting investigations of you and your scam of an operation).
So I can also see where you can say that “hey we did successful mods for families it takes time”, really because I can attest from experience that you can recieve a file, complete the review, submit a 3rd party authorization to negotiate on the account and within 72 hours of that submission have the financials and all docs faxed to the lender and a mod begun….which I might also stress allows the distressed borrower to protect themselves from their impending sale date while the negotiatiors work out the mod……..BUT I wouldn’t expect you to know that because as an earlier post stated you hide in your corner office like a greasy rat hording it’s stolen food only coming out when you smell there is something nicer to eat and steal from…….Oleg don’t kid yourself YOU STOLE THESE PEOPLES MONEY!!!!! To bad becuase you were born in a nice family and you’ve ruined your brothers and fathers good name by your greed!

Can anyone contact me and maybe get me some info how to proceed about this? I am totally lost and I tried to contact DRE, but got no answer so far. Let’s try to nail this individual maybe by getting all together we can get a little farther. My email is : rosaliac@live.com

Rosalia call the DRE and tell them to speed up my licensing approval

Are we going just to sit there and do nothing? come on people write me and let’s get together to fight for our rights. I had a couple of response so far, I need more. Did anyone contacted a lawyer? please let me know
rosaliac@live.com

The reason why NewLeaf staff sat on our files for months is because of their tactics in getting the money from us. In my case who paid by credit card, he knows that if you dispute the credit card charge within 60 days, the credit card company will submit your charge dispute to the merchant and there is still a chance that the credit card company will hold the money before paying the merchant. But after 60 days, you’re on your own, you will have to contact the merchant to credit the money back to your card. So you see their tactical and evil moves that’s why they wait for months before doing the first step. Because they are ONLY after our money because it’s a scam company! The government should punish Oleg and his whole company for his fraudulent act! They stole money from a lot of people . It’s payback time! We should all join in fighting this company until we get justice back and get the money due to us plus interests and damages they’ve done to us.

Post #44 how are you involved with New Leaf? Loan Mods have been around for a little more than 1 year so I’m not really sure how I could have been in this “business for years”? You sound like you have everything figured out you really should start your own loan mod company! Again you claim to know for sure that funds were mismanaged, other then just spewing garbge fron your mouth please prove to the rest of the audience that you know what you are talking about. I gave you the opertunity to prove me wrong! I gave you the opertunity to voice to look at everything and report back to the people, what happened???

Oleg you are crazy!!!! I’m reading your comments and my recommendation is to STOP digging your self a hole!!!! PLEASE do everyone a favor and SHUT UP!!!! OH and refund their money…
Who cares what is going on with your low life schemes, PEOPLE ARE LOSING THEIR HOME S and guess what you promised to help them… SO SHUT UP!!!!!
Who is going to work your customers files???? YOU???? LOL!!!!!!!

That’s right. I emailed you several days back, you did not respond. Money is 1 thing, but at least return these people’s files back to them so they can continue to get this done somehow. If you don’t do that, then you are a crook. What kind of man is not only greedy enough to not return their money but also allow homes to foreclose because you are not returning their files???
By the way, I urge everyone to file a complaint to the following agencies:
dre.ca.gov
http://ag.ca.gov/consumers.php
division of finance and corporate securities in whatever state you are in
http://www.ic3.gov

Its really not about whether Oleg knowingly or unknowingly committed Fraud, it is about entering into a business that is so delicate and changes the livelyhood of so many people without having a good handle on the company. If you train your dogs(recruiters) to bring you clients by telling them that you are an attorney backed company and that people should not be making their mortgage payments then string people along, not provide concrete results, and what shocks me is you have charged different people various amounts for the identical work done! That if nothing else is whats going to bite you in the butt. How can you charge one guy $6000 and another $3500??? Do you have any idea how illegal and immoral that is??? You substantiate it by saying that you have a flat fee and you told your dogs that anything above your $2500 is theirs to keep??? I am guessing on your figure btw.
That is wrong, and puts not only you in jeapordy but also the independent sales reps. I own a company and if I had a sales rep in front of my client, I will make damn sure they represent me the right way. If I don’t, then it is very clear that it is about the bottom line even to this day!

Hey Oleg I am still waiting for you to call!!!!
What a joke…..

He is a 24 years old kid without any real business experience. He has laundered all of the money, estimated at $2.5M -$5.5M, into his wife’s and father’s bank accounts. The money has funded an extravagant lifestyle including the Caribbean vacations, very expensive brand new cars, and his wifes store, Crush Clothing, Roseville Parkway & Galleria, 916-786-2679. The files are not being worked. Employees were not paid for weeks and are now all gone with many pursuing claims with the D.A. and the labor commissioner. Homeowners UNITEe & get this scum bag. There is power in numbers. Can somebody spell CLASS ACTION LAWSUIT!

Good comment #50. I totally agree with comment #51 – just SHUT UP Oleg!!!! You have NO right to talk that way because it’s you who are guilty of fraud and felony! The only place that you deserve is jail ! To all of us customers whom Oleg stole money from, let’s not believe this guy anymore . Let’s not believe a word or promise that he says. He will NEVER live up to his promise of completing a loan mod because he already got what he wanted – our money! He’s a big joke and what he deserves is to be picked up by the FBI and put to jail. Even if he responds to your email, the only thing that he will say is what he said in his blog that refund is not an option at this point. Have you heard of anyone being refunded the money back??? It will never happen because Oleg is a greedy guy who only thinks of himself and in stealing more hard-earned money from poor people like us. Let’s all pursue our case against this thief until he gets the punishment that he truly deserves.

THE FBI IS COMING SOON

oh please OLEG!! Ive been reading this blog and I am sickened by your comments! If you would have run your company legally and morally from the first place—nobody would even be in this situation! AND YES YOU ARE LIVING AN EXTRAVAGGANT LIFE AT THE EXPENSE OF STRUGGLING HOMEOWNERS! YOU MIGHT RENT AND OWN A 2004 CAR…BUT WHAT ABOUT THE BRAND NEW MERCEDES BENZ SUV AND THE MERCEDES CONVERTIBLE YOU AND YOUR WIFE ARE DRIVING? WHAT ABOUT THE LOUIS VUITTON BAGS YOUR WIFE CARRIES AROUND? AND THE ROLEX WATCH SHE WEARS? WHAT ABOUT THE CRUSH CLOTHING STORE YOU JUST OPENED? on the website is says it costs at least $200,000 to open that store!! I really hope the store is successful because your wife will need the income while YOU ARE IN JAIL!!!

Oleg, you lying cheating crook. You had over 900 files being processed the day the DRE walked in. At $4500 average per file, thats $4,050.00.WHERE’S THE MONEY??????????????

Everyone, Rosalia is right. We all need to get together to file a lawsuit against Oleg. We need to make our move now before it’s too late. To you Oleg : you are nothing but a mere liar and a corrupt person. Shame on you for even having the guts to post comments on this. You may have freedom of speech but all your victims have all the rights to put you to jail. The government should acquire all your assets to pay back all the money to all the people you victimized. Post #61, you’re right, the FBI will soon be knocking at his door. hahaha!

Anonymous post #63 Im going to take it up one notch to shut you up. I want to involve a third party to report what he finds when I prove I had everything you listed before New Leaf. I will E-mail Moe who I understand is the guy that runs this blog to have him review everything I send him. Reciepts/ contracts/ etc. He will then report back to this blog in all honesty what he finds. I will put to rest every rediculous claim once and for all! Rachel, their were people ahead of you that I needed to call so I apologies for not getting back to you. Rosalia, I spoke to you and said I would be calling you with more info as soon as I had some. Either you continue communication with me or keep bloging, but please dont waste my time because their are other home owners that I am happy to help. Sara please email me with your contact info oleg@newleafmod.com

Here is where you need to go:
http://ag.ca.gov/newsalerts/release.php?id=1767

Someone who knows… I don’t think anyone on here is jealous of Oleg, bitter most likely. I don’t think that it matters what kind of car or any of that matters. What matters is that his business practices are less than ethical. If he would admit he screwed up and issued refunds to those of us that trusted in his company to help, most of the people on here would go away. I know I will quit posting the day I get a $3000 check and it clears the bank.

Someone who knows: If you’re really someone who knows Oleg, then you should know how bad this guy is, unless you’re one of his cronies. He claims that it’s the DRE that caused him not to be able to complete people’s files and give refunds back. He’s a big joke! First of all, a straight businessman would not operate if he knows that he’s not licensed to operate a business. But his agenda is to steal money from innocent people and he succeeded on that. His agenda is to make poor people poorer by digging into their hard-earned money to earn himself more millions of dollars to put up more monkey businesses. He’s a person with no conscience, because of him, people are losing their houses, getting harassed by creditors for not being able to pay their bills because the money that they would have paid to them were already stolen by crook Oleg. Now, you tell me if Oleg doesn’t deserve all these ugly comments about him. These are not even enough . He deserves to be punished by law because he broke the law! He needs to pay back all the money that he stole from these poor people who are just trying to find ways to make their lives at least a little easier especially during this economic hardship. You said handle their business matters with Oleg? You don’t have a bit of an idea “Mr. Someone Who knows” so you better stop talking ! All these poor people here have tried to contact Oleg. He responded to some people maybe once or twice but of course he only said the same things that he said in his comments. He continues to lie to these poor people by promising them that he’s doing his best to handle their cases but the fact is that he’s just trying to buy himself more time so he can get away with it while making people’s lives more miserable as he lives an extravagant life paid for by these poor people. And I agree with you that it wouldn’t be pretty if people start to blog about me and against me, but it will never happen because I AM A MAN WITH DIGNITY AND GOOD REPUTATION UNLIKE OLEG. I am also a businessman but I never take advantage of people for my own interest because I believe that what goes around comes around. One day, soon, he will face the consequences of his actions. He can not expect the DRE to ever grant his license because a lot of people have already filed a case against him and reported him to government agencies.

Big Surprise but Oleg never called me as he stated…glad I didn’t sit waiting. Too busy packing to sit by the phone for a call that will never happen. Not sure what he thinks he is going to do now, he still isn’t licensed, he can’t work on the accounts.

I’ve spent too much time going back and forth with these rediculous blogs. Many of you have made comments saying I shouldnt have been doing loan mods from the beggining, why wasn’t I DRE licensed, etc. I will not explain myself to anyone from here on out. Anytime I have said something the response from you is that i’m lying, or you dont care, or you dont believe me. Since you dont believe what I say please research the different business models that a loan modification company can operate under, youll understand more. Post #75 I’m not claiming the DRE didnt allow me to finish files, its a fact please pull up the desist and refrain demand!!!!! read it! Post #75 again pull up the desist and refrain demand, turn to the last page, now read the 2 conditions the DRE is requiring of me to resume loan modification services. Sara you emailed me saying you would be difficult to reach, so I didnt call. Post #78 stick to what you know best. . . . . you know nothing about this industry. . . You cant be an investor on my house because I rent. As for making comments about my wife, your sick and twisted! ! You dont need a loan modification instead you need an ass kicking like you’ve never experienced before! You are asked for additional paperwork because that is what the lender needs to determine what payment you can afford. The lender needs to make certain that the payment you are modified into is affordable for you, this means they will verify your income using several different avenues to make sure their is consistancy. Post #78 I like your collection techniques, I might need help with a transaction I did on ebay, I still havent recieved the extension cord I bought.

Oleg is a F@G.

Lets stop just asking Oleg for the money, he is a piece of shit who will not refund us. Lets get together and file a class action suit. email me at mpereiraneto@dons.usfca.edu to get it started

I have paid $3500 to Rueben and Joe for Newleaf mod company.
They have never update me with any status. I went to new leaf mod in Aug 1st week and talked to this guys and they said they are actively following my file. That is what they have been saying since day one.
Nothing has been done in my case. I have email and so many times to Oleg but no reply.
I want my money back.
I’m ready to join lawsuit.
Please mail me at snehal_@yahoo.com
Guys lets get together and f**K this Oleg where he hurts.
Lets just not talk and come up with any actions.

to file a complaint with the Attorney General just go to this link
http://ag.ca.gov/contact/complaint_form.php?cmplt=CL

please do it ASAP. Many loan modification companies have been sued with criminal charges by the D.A. I guess the more people who file a claim the better it is

Oleg-When will you be paying your employees what is owed? Since you paint a picture of you as the victim of DRE, how could it be possible that you also scammed your own employees? I know that some of your previous employees that have written on this blog are still working for you.

Should I go to your new store and hold my hand out for cash? Or would you prefer that I show up at your home to collect my back pay ? Either way is fine with me.

Ok, so now Ruben Venegas who was a manager with Oleg, has started a new loan modification business and is hiring out of their Stockton office. The name is New Life Modifications. Website is not yet up. So, they are hiring new employees while previous employees haven’t been paid. DRE has been informed.

does anyone know where Oleg’s new store is?

Oleg, please pay us the money you owe us. This has caused a financial hard ship for our families.

Please pay us.

Pay us our money Oleg

@ 92 -

You can’t blame many of the employees who worked there. They were simply in need of a job and were offered a job that the could make an income. The managers at NL would tell employees that everything was going well and that mods were getting done. Once the file was out of the hands of the “sales” rep and given to the processor there was little the sales rep would know about files.

Many of the employees didn’t know that the business wasn’t legal. They were told that NL was backed by an attorney and that everything was good to go.

The company wasn’t set up properly from the start. The company grew too fast and didn’t have the people to support the growth.

Hello to all you faithful bloggers. It’s sad that we are all in this situation it really hurts it has taken a toll on all of our families. I just have to put my feeling out there because all this pettiness of going back and forth is ridiculous. Yes as a client you gave your money to NL no one ever took anything from you that would be “stealing”. As an employee I know that 75% of the files were being worked on by knowledgeable employees; the other 25% were handled by people who didnt know what they were doing, didnt show up to work on a daily basis, or they truely didn’t understand or care how many lives they had in thier hands. When I say lives I mean homes each person I know builds thier live around and or in thier home. Some of our clients recieved modifications rejecting them because they believed they could get something better; to those who have written a blog shame on you. YOU put yourself in this postiion and YOU signed your mortgage note promising to pay your lender on time every month. Your lender in all reality doesnt have to anything for you but for most of you they do and you reject the offer out of ignorance. To those who’s files were submitted from us to our manager and did not recieve it I am so sorry. A mojority of us gave it our all to help you in your hardship because we wouldnt want this to happen to anyone close to us and we wanted to give back to our community. I feel for you all and hope you all recieve the refund you deserve.

As for you Oleg I don’t have any hard feelings for you; I know that this isnt entirely your fault as a business owner you made decisions that couldnt be easy but were necessary to keep the ball rolling. My only concern is why didnt you have a back up plan? You saw the rise and fall of several other company including second chance why didnt you pay attention? When do you plan to pay your former employees? Because you didnt have a back up plan my family has suffered. I am a single parent of 2 my lights have been shut off which are now back on , my pg and e has been cut off as of Wednesday 9/09/09, My rent for September has not been paid, my car broke down with the cost being 700+, I have to walk my 7 yr old daughter and my 3 yr old son 1.5 miles to school every morning starting at 6:50 to get her there at 8 am, my family buys my groceries. Thank God I finanally have another source of income other I would be Homeless with 2 kids. I have to save money to pay my bills one at a time. If I had my last check my worries would be minimal; I really hope that I will recieve my last check soon. My household is drowning and I’m sure you are not your most likely just dealing with guilt and shame. I just wish I had my last check so I could get caught up and back on my feet. You stopped answering my texts and you dont pick up my calls. When will you pay us even if it is one by on just pay us. All is forgiven and I wish you family no harm because if you decide not to you will have to answer God not me. I wish you all nothing but blessings in your future.
***I didnt proof read this blog so I do apologize for any errors or misspellings.

N*****( Former Employee):

you were working for a company that was not licenced to do loan modifications…so whatever files you “worked” on, it was done without a legal licence. We paid $ for work that was never done, and that is why we want a refund. There is nothing shameful about that.
Youre saying that 75% were knowledgable employees, Im guessing you were one of them, then that must mean that you were aware that you were working without a licence, that you were accepting $ illegally, that the supposed 100% money back guarantee was bullsh*t. And you are ok with that, right? Money trumps morality for people like you.
Good luck getting any kind $ you are owed from NL. Oleg is Oleg’s #1 priority–his lifestyle, his vacations. Oleg doesnt care whether you can pay your bills or feed your kids or not. I cant believe you havent realized this by now. He claims he has no $ to pay anyone, but from what I hear from people who know him, he’s spending $ left & right on himself and his wife. Big $.
Good luck to all homeowners on getting your $ back!!

This is from the Crush Clothing website on franchising!!
The Investment:
Opening your own CRUSHTIQUE store will require between $195,000 to $285,000, depending on your location, the amount of tenant improvement money your landlord offers you, and the size of your store. This includes your franchise fee, leasehold improvements, fixtures, signs, opening inventory, and 3 months of working capital. As you progress with your due diligence and learn more about CRUSHTIQUE, you will be able to more closely determine the investment required to open a CRUSHTIQUE in your community.

I also spoke to rep at their corporate about the franchise opportunity and they also like to see anywhere betwee $500K to 1 million in liquid assets available to draw on to back up the business in the first couple of years.
So honestly Oleg when the Department of Justice and the FBI take a close, microscopic look at your finances they will find that even though your business accounts are empty an most likely in arrears, there will be a systematic trail of siphoning off company funds (i.e. clients money) to accounts under your wife and associates names. I know your wife doesn’t make enough prior to the clothing store to afford the franchise fee and liquidity requirements.
Oh and for all of you home owners and employee’s here is the breakdown of a quick financial snapshot!
Company up and running from January to July 2009 (this is to be generous). Rough overhead of this is 30 to 35k a month so we’ll go with the bigger of the 2 numbers. So 35k time seven months is $245,000 dollars in operating costs. Then 900 active files ,not including the hundred or so mods the company had completed according to Oleg’s own words, at an average of $4500 a file which we know includes some folks who shelled out around 7k for their file comes out too $4,05,000.00. LETS TYPE THAT NUMBER AGAIN $4.05 MILLION DOLLARS RECEIVED!!! Minus operating expenses of 245K leaves $3 million 8 hundred 5 thousand dollars unaccounted for Oleg. I will admit this doesn’t include the payments to Affiliates and assumes that the last 2 months of operation you were paying your in house employee’s a full paycheck…which we know neither of these things happened. but to be nice I will say you did pay a majority of employee’s and affiliates something so I will cut the figure down to a nice manageable number…..say oh 2.5 million!
that breakdown again with an assumption of me attempting to be generous with the numbers is as follows:
$30 to $35K operating expense @ 7 mo. = $245,000.00
Payout to Affiliates for files submitted = $1,305,000.00
900 active files @ $4500.00 average = $4,05,000.00
Leaves approximately $2,500,000.00 unaccounted for!
Yes that’s TWO point FIVE million unaccounted for!
$2.5 million!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
That’s also under the assumption that he paid all his employee’s their paychecks to the end which we know he did not and that he disbursed all the funds to the appropriate affiliates which he also did not!
SO it goes back to Mr. Oleg Artishuk where are these peoples money? Why can you not afford to refund the requests of maybe a hundred or so people looking for refunds??? Could it be that trip to the Caribbean that these peoples money paid for before you earned it? Could it be the Mercedes (mind you plural as in 2) that you try to at first deny owning (I only have a 2004 truck)? Could it be the Louis Vuitton, Channel, Coach, Gucci and Vresaci that your wife is sporting??? Or perhaps it’s the BRAND NEW franchise you opened (oops I mean your wife) at the fountains mall in Roseville, CA that is literally a mere two to three blocks from where you had the New Leaf office located…….Even if you do rent that’s merely a technicality because many wealthy people rent the homes they live in! I can also attest to nice electronics that you also bought Oleg that weren’t cheap either! So I and others ask ourselves why can’t you refund people Oleg??? Could it be that you have to maintain a certain balance or your franchise can get yanked from you? Or more importantly you have worked hard to attempt to launder the money intentionally or unintentionally away from you but still in your grasp…….little heads up that’s a HUGE no no with the banks and the FEDS!
The best of luck to everyone out there intentionally or unintentionally swindled out of your money by this either astute conman or ignorant idiotic fall guy. God bless you and hopefully give you grace for your family in the coming months and years. Oh and Oleg you and your wife along with the family you have involved in this are going to be under major scrutiny and in serious discomfort when the authorities finish with you and I suspect that no matter what you do a cell for a couple of years or deportation are in your future. I only hope God blesses and watches over your brothers and father and their families because they are good people!

Oleg, you dirty scum bag !!! You, your company and your employees have been reported to different government agencies and you Oleg are now one of the most wanted people in America! If I were you, I would surrender to the authorities and pay these people. You will never enjoy the money that you stole from people and the businesses that your wife put up because you will never have peace of mind because you stole the money that you used in all your monkey businesses!!! Police will continuously hunt you and will eventually put you to jail! And you will be forced to pay these poor people you scammed! You will leave the rest of your life always looking behind your back to see if someone is following you and stalking you . You and your family will never ever have peace of mind because you live in lies , scam and corruption!!! All bad things in this world never stay for long, remember that. You karma is soon to come!!! But you still have the chance to correct it, RETURN ALL THESE PEOPLE’S MONEY NOW!!!

SO what do we do know? I need my money so I can find some were to stay after my home goes back to the bank I’m a 56 yr old single woman that my husband die last Nov. and he was a disable Vet so when he pasted away my income was cut in half so i really needed this now I have no hope what are we all going to do.

No its not a va lone i wish but has any one called the store crush and lift a message it is funny .

heard oleg filed bk

Oleg did not file bk…on the contrary, he’s started up the loan mods under different name in Stockton. If anyone from DRE is investigating, they are not doing a good job…

I want to first address that I was advised to file complaints with the Labor commission and the DA prior to Oleg filing BK . If he is to file bk anyone he owes money to can appear at the hearing and contest his bk filing and offer proof that he has money. I find it hard to believe he can file bk when he has so much capital. hiding in Shawna’s account as well as his fathers. He is also Rubens Investor at New Life Processing, Joey’s Investor at the credit consolidation company, and Shawna’s investor over at Crush Clothing (or whatever they are calling these companies now). Bottom line is that he has the money, he is just trying to get out of it without having to pay us all out.

I was one of Olegs gullible sales agents who honestly thought that he was a good and honorable man. I am usually a very judge of character and I am very humiliated that I represented such a company. I have been in the mortgage industry for a very long time and every client I have ever worked with knew what they were getting themselves into. I was very honest with everyone and did my work with a pure conscious. When the market crashed and Modification came around I thought it was so awesome that homeowners that received bad mortgage loans from bad people had a way out. I loved my job because I was able to give clients hope that did not have any left. I was their last option to staying in their home. Clients would poor their hearts out to me. Oleg had me so convinced that I was doing the right thing and that we were saving homes everyday and that we were getting unbelievably low rates approved and saving clients hundreds of dollars a month. I actually believed him. He swore to us that since we had John Latini on staff as our attorney and due to the fact we collected fees for the processing of the paperwork for loan modification we did NOT have to be licensed with the DRE. So I originated new clients everyday thinking I was making a difference. I am so embarrassed I was such a fool.

The day the DRE came in and served several of us out on the floor I was shocked. I did not know what to say or what to do. Management stated that we should “get back to what we do best” and “work as usual”. Once I read what the document said, I gathered my things and left. It stated we had to cease working on ALL files. That included talking to existing clients and working on files as well as new origination of files. Per the DRE I did not have any contact with my clients until now. There was nothing I could say or do to fix what was/is happening. I was embarrassed that I submitted your files to such a company. By abiding by DRE orders several, not all my clients were leaving me very disturbing messages . They were wishing I die, that my children be taken from me, death on my children, wishing the worst to happen to me, calling me terrible names, etc. I understand I was the first point of contact . But where have we come as human beings to wish such terrible things to happen to another human being? Several years ago I lost my home to foreclosure due to an adjustable rate mortgage and a divorce. I did not blame the lender or the broker that did my loan. The bottom line is that I signed for a loan that I knew was risky. I was in a business that was crashing and I was not making the money I used to. It was a hard pill to accept but losing my home was only my fault, no one elses. I begged and pleaded with First Franklin to help me, but they did not. They took my home and threw me and my kids out. That was the lowest point in my life. The ONLY thing that got me through was the love and devotion I have for my children. I had to realize that my house was just a material item. But it was my children that I loved and needed.

Oleg owes me a lot of money too. He went as far as writing me a bad check that caused my account to be negative. My bank told me if I did not put the money back in my account in 30 days that they would close my account and report me to check systems so I could not get another bank account for 7 years. I had cashed my check to pay my rent and put food on the table for my children. Oleg promised to make it right, so far he has not and will not email, text, or even call me back.

After everything Oleg has done to me and my family, I do not hate him or wish harm on him like a lot of people out there do. I believe that whoever your higher power is will grant forgiveness if you had pure intentions during your walk of life. Those who did not will not be as lucky. Oleg will have to answer for all his actions in his lifetime. I am a firm believer that everything happens for a reason and it is beyond our understanding but it always makes us stronger. We may not see it now, but there is light at the end of the tunnel. I wish everyone the love and faith it will take to make it through this.

OLEG IS OFFICIALLY HARASSING HIS FORMER-EMPLOYEES.

From: 9167185238
Sent: Sep 17, 2009 5:24 PM
Subject: All you fuckin cowards who are…

All you fuckin cowards who are posting shit on the blog, your pieces of shit, your the vermen that made up my company! Taking 10 breaks a day, hour and half lunches, coming to work drunk, hungover from the night before, etc. Those of you posting won’t get
a dime from me! The rest will. I won’t stop their. I will make your life so fuckin dificult you won’t want to live in this state, I guarantee that!

If something does happen your all going down with me! Keep writing on the blog, I will have a list with IP addresses of those that made comments,then I will track you and will know exactly who the shit talkers were. Log on to the blog and look at the latest post the host of the blog made, now think to your self. . . . . .