well i guess I can add myself to the long list of hard working people that can say they have been screwed by ty lofstrom. I REALLY wish I'd done my homework on this a##hole. my situation is an exact replica of all the rest here on this forum. call him on the phone and until there's a problem he will talk to you, but after that you can't get a hold of him and he has your money!! I am currently in the process of legal action for FRAUD. SO LOOK FOR HIS MUGSHOT AGAIN.