Do not send any money or moneygrams to this guy or his partners, Joel Goldman or Peter Emeka. He has promised me a loan for 7 months & promised bank wires or ACH deposits more than 10 times & they never show up. He says you do not pay any fees because he will pay them for you . He deposits money in your bank account or credit card account & asks you to send moneygrams to Joel Goldman to pay wire fees. But his payments Always Bounce. Avoid him at all cost. Ask him for his phone number & he always says he will email it to you but never does. I think he is actually a Nigerian scammer. He always calls from a google phone number. Do not deal with google phone number people , I was scammed by another guy who also used google phone.