Home > Gorgas Extract $500,000 in Equity from Their Overpriced Home for Sale, Net Worth of the Gorgas > Gorgas Extract $500,000 in Equity in a Cash-out Refinance of Their Overpriced Home for Sale

Gorgas Extract $500,000 in Equity in a Cash-out Refinance of Their Overpriced Home for Sale

October 24, 2012

Comments posted in a New York Post article published online in May 2011 about the Gorga’s not paying their bills:

“Hey Joe, you are the biggest a$$, pay us the money you owe us for installing your elevator!” – Stephen Ferrara, Asst. Sales Manager at Standard Elevator, July 18, 2011

“nice house I helped you build Pay me the money you owe me bigshot.” – Scott Roberts, student at University of South Carolina, June 27, 2011

On February 2, 2007, Joe Gorga purchased the lot at 8 Pond View Ct., Montville, NJ for $950,000 cash (which was profit from the 2006 sale of the first home Joe built — 149 Pulis Avenue, Franklin Lakes, NJ), and the deed was in his name only.

When he took out a construction loan on November 16, 2007, to build the mansion on the lot, he transferred the deed into both his and Melissa’s names (the interest rate on the loan was 9% and the loan was obtained by putting two properties up as collateral — 11 Mermaid Rd, Toms River and 489 Summer St. Paterson, NJ). This construction loan agreement on November 16, 2007 was for $2.25 million.

They modified the mortgage loan agreement beginning on July 1, 2009 (the mortgage note modification agreement lists their address as 35 Gravel Hill Road, Kinnelon NJ), converting the loan to a three year term period with 6.25% rate and monthly payment of $14, 842.56 until July 1, 2012, when the entire amount of this loan would have become due and payable (balloon payment).

They modified their mortgage for the second time on March 24, 2011 (principal now $2,185,199 with a 5% interest rate and a monthly payment of $11,829 until April 1, 2041) — the modification was necessary since the first modification would have expired on July 1, 2012, and the balloon payment would have been due had they not modified the loan.

On October 11, 2012, the Gorgas refinanced their mortgage for $500,000 more than they owed to extract equity from their home, most likely to pay down debt or make additional purchases — in other words, they received $500,000 cash back (less closing costs) at the close of the new loan by borrowing $2.68 million (the new loan amount) versus $2.18 million (the principal balance on the old loan).

On the cash-out refinance, the initial rate of 4.125% will change to an adjustable rate on November 1, 2019, and the adjustable rate may change on that day every 12th month thereafter. Before each change date, the new rate will be calculated by adding 4% to the current index. The rate at the first change will not be greater than 9.125% or less than 4%. Thereafter, adjustable interest rate will never be increased or decreased on any single change date by more than 2% from the rate of interest being paid for the proceeding 12 months. Interest rate will never be greater than 10.125%.

The amount they borrowed in their cash-out refinance on October 11, 2012, would have been limited to 90% of the home’s value, which means that if the Gorga’s borrowed the maximum amount allowed, their home is valued at approximately $3 million, yet they have it on the market for $3.8 million, which is why is hasn’t sold — it’s overpriced.


“Why don’t you pay your bills… you have to borrow money every week from people.” – Joe Gorga to Joe Gorga during part 3 of the season 4 reunion special

Are the Gorga’s broke, borrowing money from people every week just to pay their bills, like Joe Giudice said at the season 4 reunion? Someone asked Kim D on Twitter, “Do Joe and Melissa live close to Tre? Why are they selling their house?, to which Kim replied: “They’re broke.” Here are more tweets from Kim D about the Gorga’s finances:

“Joe and Melissa, you r broke. Don’t get it twisted. ahhh Joe Gorga wanted to shut me up as soon as I came out. He knows I know too much to mess with me. All the feuds stem from business. QUESTION OF THE NIGHT: what # is bigger, the # of cupcakes you’ve made, eaten, or the # of $$ Melissa Gorga owes to the Gov’t? Melissa Gorga ‘s PSE&G was turned off 4 3 days. Idiot. Melissa Gorga you’re poor, you’re a sleaze, your world goes around, so long as you’re on your knees. For the last time!!! Teresa Giudice had NO clue about what I was doing. PERIOD!” – Tweets from Kim D (‏@KimDPosche), during the premiere of part 3 of the reunion special

“Honey. U r as broke as they come. It seems like u have as much trouble shutting ur mouth as u do ur legs. Not in ur skillset. @melissagorga” – Kim D (@KimDPosche), September 29, 2012, Twitter

“Melissa Gorga’s checks bounce more than she does. Scary. That’s why she needs a store as in debt as she is to afford the stripper costumes.” – Kim D (@KimDPosche), September 29, 2012, Twitter

“Melissa Gorga, you’re poor, you’re a sleaze, your world goes around, so long as you’re on your knees.’ – Kim D (@KimDPosche), October 14, 2012, Twitter

Joe tweeted some photos (see below) of a home he has under construction and the ‘haunted house’ that he is converting into condos. Could the house he is building be Melissa’s new dream ‘spec’ home? Joe and Melissa told Us Weekly on May 22, 2012 and Reality Aired on May 12, 2012:

“I’m a builder. I custom-built the houses we have lived in and will do the same with our next one,” Joe tells Us Weekly exclusively. “We tried Montville, but it just wasn’t for us. We want to go back to Franklin Lakes, which is closer to where I work, and we’re looking at a couple of properties now.”

“Wait till you see the next house I build,” he tells Us.

“I absolutely love our current house and will be sad to leave, but Joe is an incredible builder, so I have no doubt that I’ll love the next house just as much. Although this is the last time he is getting me to pack-up!”, said Melissa.

“We gave Montville a try and want to move back to Franklin Lakes before the kids reach an age where they will all be in school. When we sell our house in Montville, we will move into a rental while Joe custom builds our next house. Joe is a builder and a businessman. He will sell pretty much any property for the right price and build again bigger and better.”

Joe Gorga’s purchases of investment properties since 2008 have been under the company name ’10 Courtland Street LLC.’ They are as follows (in season 4 episode 2, Joe pointed out the various buildings he owns on a city block, saying he put each under his children’s names — but that doesn’t appear to be the case):

May 16, 2008
Construction Loan Mortgage
$3.5 million

Granted to 10 Courtland Street LLC; Guiseppe Gorga

To undertake the development, construction, equipping and furnishing of construction of the renovation of a former storage building into a 58-unit residential building.

Property Address(es):
10-18 Courtland Street, Paterson, NJ
132-136 Barclay Street, Paterson, NJ

Instrument Type MORTGAGE
Instrument# 2008033271
Date Recorded 06/04/2008
Book/Page M9888/33
Mortgagor 10 COURTLAND STREET LLC; GORGA GUISEPPE
Mortgagee BCB COMMUNITY BANK
Block/Lot N/A/
Township PATERSON CITY

July 1, 2009
Commercial Mortgage
$6 million

Granted to 10 Courtland Street LLC; Guiseppe Gorga

Property Address(es):
10-28 Courtland Street, Paterson, NJ
17-25 Camden Street, Paterson, NJ
27-33 Leslie Street, Paterson, NJ

Instrument Type MORTGAGE
Instrument# 2009038533
Date Recorded 07/20/2009
Book/Page M10511/209
Mortgagor 10 COURTLAND STREET LLC; GORGA GIUSEPPE
Mortgagee BOILING SPRINGS SAVINGS BANK
Block/Lot N/A/
Township PATERSON CITY

March 18, 2010
Mortgage
$3.71 million

Granted to 10 Courtland Street LLC; Guiseppe Gorga

Property Address(es):
10-28 Courtland Street, Paterson, NJ
17-25 Camden Street, Paterson, NJ
27-33 Leslie Street, Paterson, NJ
132-136 Barclay Street, Paterson, NJ

Instrument Type MORTGAGE
Instrument# 2010016202
Date Recorded 04/12/2010
Book/Page M10906/223
Mortgagor 10 COURTLAND STREET LLC; GORGA GIUSEPPE
Mortgagee BOILING SPRINGS SAVINGS BANK
Block/Lot N/A/
Township PATERSON CITY

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  1. Silvia
    October 25, 2012 at 12:12 AM

    awesome job Fame. Someone should tell Joe its 2012 . Looking at that new house he ‘s building – good luck selling it!

    • Silvia
      October 25, 2012 at 1:20 AM

      I also have to say – what a friendly banks there are in NJ.

      • cass
        October 25, 2012 at 7:43 AM

        that’s what i was thinking also! banks in my town dont loan money like that unless you have some real assets. maybe more checking into what all he owes.

        • October 25, 2012 at 8:57 AM

          none of those are National Associations… they’re all Community Lenders who operate under a lower threshold of regulatory oversight…. on the other hand, they’re also smaller and can benefit a community by knowing the people and the local businesses personally.

          I’ve gotta agree with Cass… the numbers are insane…. if the house is worth $3 million (IF) and he owes $2.68 million? wowow typically 80% LTV is the cap. which would be $2.4 million.
          I’m not sure where the 90% comes in… perhaps its on refi, but then it should imply some equity in the property on a refi….

          oh well… maybe the non existent recording studio in the basement will raise the price a little bit.. lol… Fame.. have we ever found out if that sound studio is really in the home?

          P.S.: I just posted some new comix today http:// http://www.rhocomix.wordpress.com

          • Jeannie5233
            October 25, 2012 at 12:34 PM

            rhocomix –

            Oh my goodness!! Keep up the great work – it really does add some humor on what is otherwise a total debacle!!!

            Your comix are hilarious!! Love, Love, Love them!!! Thanks for sharing!

          • Buck Henry
            October 25, 2012 at 5:42 PM

            What’s going on is that the loan officer and other people in the process are kicked back a little money pushing through a loan for people (Joe Giudice may have told him or pointed to people that he knew to help him at first and then tiny went crazy). That is why he is getting loans that a normal person would have trouble getting without assets and such. You can have the best business plan since white bread, but they still want to know what you got for assets.

      • Gemma
        October 26, 2012 at 10:54 AM

        Silvia-I was thinking the same thing. How can you take money out of a house, that is “underwater”? How can you take money out of a “spec house” you were never supposed to live in? How can you refinance,when you have multiple tax liens? Maybe I need to move to NJ,because in Cali,they check my credit when I do a streamline refi-which means no money out,just lower insterest rate.
        What I got out of scanning through the post was-they are moving and are going to RENT,until Capt Save a Stripper Joey builds another spec home that they aren’t supposed to live in,but will live in anyway.

      • CenNJ
        October 27, 2012 at 6:43 PM

        I went through this post quickly, but i did notice that one of the banks (i believe for the most recent refinance) is Roma Bank. That bank is actually has its headquarters in my town; its a small bank that operates in central and south jersey. There is a running joke that it’s the mafia’s bank. However, more to the point is that Roma recently came under fire for failing to meet a regulatory agency’s standards for RISK management, and Asset QUALITY. Just Sayin lol

        • Silvia
          October 27, 2012 at 10:31 PM

          that explains a lot actually.

  2. October 25, 2012 at 12:14 AM

    R u joking?Really?u need to go into a persons assists like that to try & tear them down,what a low life on whom ever did this piece!!It is just killing u peeps that r in love with Dumb & Dumber that these people r doing good,it hurts u guys,lol Even if they r having it hard,have u not heard the businesses r having it hard.Does that make us turn from these people?Just stupid!I have friends that live in interlaken & he is in the same business,he is taking it hard right now,that is not it ,it is that his in law is A THIEF,A CROCK!!He ripped off his business partner,he stole from the co. HELLO,THAT IS THE PROBLEM HERE,Not an honest man having it hard!!

    • Silvia
      October 25, 2012 at 12:24 AM

      Dee u are one last solder standing. BUt one day you’ll get it too. They are not honest people and they are not doing good as you wrote, they are only PRETENDING for folks like you. 🙂 (again you have contradicted yourself here – after “them doing good “you wrote “even if they are having it hard…)

    • SharShar68
      October 25, 2012 at 12:40 AM

      In all fairness, Dee, we’re all entitled to our own opinions. It’s safe to say we’re all classy readers that display respect for others despite a difference in opinion. HOWEVER, it’s really hard to take you seriously with your horrendous grammar & utter disregard for punctuation. From what i gather in your remedial comment, you are advocating for the Gorgas. I agree with you that Joe Gorga is a hardworker. The problem here is that they are hypocrites living beyond their means & spreading lies about others in order to avoid their truth. Their truth is simply that they don’t have the cash flow to afford that house and thus are moving. They aren’t moving because of Teresa.

      • October 25, 2012 at 8:59 AM

        Shar.. im sure you’re right… Dee is likely a classy kinda gal.. but I just wanna know one thing…. what’s “a persons assists”… ?
        😉

        • Jeannie5233
          October 25, 2012 at 11:27 AM

          “assets” ? Like I said below – “hit and run”!!!

      • October 25, 2012 at 3:25 PM

        I try to be respectful of others opinions but it’s difficult to do so when the commenter calls the writer of the article a “low life.” Dee has commented many times and she’s obviously a “fan” of the Gorgas. That’s fine. But she knows what this site is about so if it bothers her so much that she resorts to name calling, maybe she’s better off just not coming here. I would never go to a site that was negative towards Teresa. I would doubt if anything I’d say would actually change others opinions anyway and I certainly wouldn’t go in with guns blazing and disrespect anyone… no matter how they feel about someone of whom I’m a fan. I might add that just because someone doesn’t like Melissa, it doesn’t automatically equate to being a fan of Teresa’s. I happen to be one but not all MeJoGo detractors are.

    • jenny
      October 25, 2012 at 12:40 AM

      Can we get Dee a couple English lessons? How about a dictionary? Spell check? Anything?

    • Anonymous
      October 25, 2012 at 12:50 AM

      I can’t believe you follow this website while claiming to support the FAME WHORGAS (Melissa and Joe). You must realize there is something amiss with them. If you are going to continue to post, please spell properly and don’t insult the author and/or fans. It’s immature and uncalled for – I want to respect you and hear your opinion, but its nearly impossible to do so through the misspelled words and name calling.

      I can’t believe how broke the Gorgas are! Only someone in financial ruin would borrow nearly half of a million dollars via a modified mortgage. I want to feel bad for them (I truly believe compassion is lacking in America), but they make it to difficult with their stupid actions and hateful remarks. They deserve what they get, and I’ll be shocked if anyone is there for them when their ship sinks.

      • happylady
        October 25, 2012 at 1:11 AM

        Couldnt agree more with you anonymous, though I still feel that Theresa will always be there for her brother. She would help his family out for his and the kids sake only.

      • Anonymous
        October 25, 2012 at 7:33 AM

        Well said.. True.. True. True.. I second that..

        • October 25, 2012 at 9:04 AM

          cosign… Anon.. ITA

      • October 25, 2012 at 3:32 PM

        What bothers me the most is the hypocrisy. Melissa comes on the show and one of the first things she says is “we pay our bills.” Well obviously Melissa… you don’t pay ALL of them. They have children and I wish them no ill will, however Karma is a biotch and they should have thought of that before they began their campaign to “ruin” Teresa. Especially when it’s your husband’s parent’s daughter. Too many other innocent people get hurt as collateral damage. It’s just awful.

        • October 25, 2012 at 3:34 PM

          What’s the saying? If you spit in the wind you better beware that it doesn’t come back and hit you in your face. That’s fitting for this situation I’d say.

        • Confused RHNJ viewer
          October 25, 2012 at 5:53 PM

          ITA — I always said that the Gorga’s didn’t play their cards in a manner that would benefit them financially. If they were going to ride on the coattails of Teresa, they should have respectfully stood in her corner (they’s still be slime in my book though). I think that they thought that the Manzo/Laurita clan would benefit them more, however, I don’t believe that they are loyal to anyone outside of their circle.

          • Bambi
            October 26, 2012 at 1:51 PM

            ITA with everything you said! I’ve voiced this similar statement on an anti-Teresa site & was chewed out/harassed. I just see things as they are

    • Calypso
      October 25, 2012 at 1:51 AM

      An honest man having a hard time…please…it is more like a couple living beyond their means and in a constant state of denial. Fronting a lifestyle that you can’t afford on borrowed money isn’t smart or advisable and far from worthy of my sympathy.

    • October 25, 2012 at 7:26 AM

      Seriously Dee – are you a relative or something… “an honest man”? And I’m the Queen of Sheba!

    • Jeannie5233
      October 25, 2012 at 8:26 AM

      Dee –

      It’s not a matter of trying to tear them down – the Gorgas are managing to do that ALL BY THEMSELVES with no help from anyone else. Why would they need to refinance, AGAIN, as recently as Oct. 12, 2012? With their outstanding creditors, bills, and lifestyle, $500,000 sure as hell ain’t gonna go very far.

      Questions for you – there is all of this real evidence for you to plainly see – what do you bring to the table to rebut it to make the claim Joe Gorga is “Honest”. Where is your information to back up your argument? If you can’t back it up, why don’t you just stop coming here making your hit and run remarks?

      Once again, it is very obvious you make the choice not to see the truth.

      • October 25, 2012 at 3:38 PM

        There’s none so blind as those that will not see. Excuse my idioms. But if the shoe fits… hehehe

    • HoustonHousewife37
      October 25, 2012 at 12:30 PM

      DId you read the article or just skim it? Clearly you have no real understanding on the information being presented. They are having a hard time because they are living way beyond their means and pretending to be successful. Ordinarily this type of behavior wouldn’t even rate as interesting because it is so common. However, the Gorgas or shall I say “Whorgas” came on a national television show and berated their family member for doing the exact same thing that (as it turns out) they are doing. That is the reason for all of the interest in their personal finances. Their lifestyle doesn’t add up. If they had come on the show and focused solely on introducing themselves to the RHNJ audience rather than trying to humiliate and expose Teresa this website wouldn’t exist.

    • October 25, 2012 at 8:27 PM

      Huh? English, please.

  3. GracenLove
    October 25, 2012 at 12:26 AM

    Dee, please leave.

  4. Calypso
    October 25, 2012 at 12:34 AM

    Melissa wants to go on vacation and Joe has to pay for it somehow.

    • missym57
      October 25, 2012 at 1:39 PM

      Good one! Aren’t they going to Jamaica with the kids?!?

  5. happylady
    October 25, 2012 at 12:49 AM

    So that’s how you can easily afford to pay for a house “ten times over” as she stated in the reunion.

  6. alexthebun97
    October 25, 2012 at 1:13 AM

    This is a great article and it should be put out there for all to see. All season everyone on the show mentioned the Giudices money matters but they sure don’t want anyone calling them out. I love this site and I so want to see Penny on the show to out Melissa for what she really is. Any chance we will get to see ” Tommy the Greek” at next years fashion show ???? We also need someone to call Kathy out as well !!!

    • Tina
      October 30, 2012 at 3:38 AM

      I love this site i can’t believe how these hypocrits are working overtime to tear Teresa down. This article needs posting for all to view.

  7. CleverID
    October 25, 2012 at 1:21 AM

    How in this economic climate is he able to get these huge mortgages, it boggles my mind?

    • cass
      October 25, 2012 at 7:54 AM

      Exactly!! also read a tweet from Melissa how she had just booked a Jamaican vacation for the entire family since they need to get away from all the stresses of the show. where do they get the money to do this stuff? we work and i can’t afford to book a vacation for the entire family to jamaica………

      • Jeannie5233
        October 25, 2012 at 8:32 AM

        Because of Melissa’s notoriety, she is able to get alot of things “gratis” now. I would bet her hair salon (she thanks them constantly on Twitter) does her hair free in exchange for her tweets, the cars they just got were loaners in exchange for publicity for the car dealer,she gets clothes free from that new “POSH” boutique (not Kim D.s), etc.

        It is extremely frustrating to the rest of us how they manipulate the real estate laws and are able to refinance this many times. Most average folk would be able to do this – look how many homes are in real foreclosure these day.

        Me – I would be VERY interested in looking into the bank and the bank officer who did this – I question the “legality” of it all.

        • elemcee
          October 25, 2012 at 2:05 PM

          Jeannie, my bestie inherited a tidy sum of money about 15 years ago, and one of the small, local banks kept giving her loans and mortgages she did not understand with balloon payments and shyster crap to try and screw her over. The other girlfriends and I had to keep helping her refinance or convincing her to pay things off in order to get the shysters away from her money. It makes me sick to think about. I pulled all of money out those banks and have never dealt with them again. Truly unethical practices, so this kind of bank does exist.

          • October 25, 2012 at 3:44 PM

            That’s why Ameriquest, which was a huge mortgage company, went out of business. There was a class action lawsuit against them for precisely this practice. They gave people mortgages when clearly they would not be able to pay them back. Always ended up with their houses. Any reputable bank doesn’t want to be in the real estate business, and I’m talking about before the bottom fell out of the market. That’s why it’s so difficult to get a loan now… for most anyway.

        • October 25, 2012 at 8:32 PM

          This is excellent evidence of the culpability of the banks regarding the mortgage and foreclosure crisis. They are setting these people up for failure and foreclosure and putting the assets of the bank at risk as they will never be able (the bank) to sell the house and recoup their investment. Whoever made this loan should be fired.

        • Gemma
          October 26, 2012 at 10:59 AM

          Jeannie-it is frustrating to see them get away with all of the legalities, but I try to believe “what goes up, must come down.” The “higher” they go by stealing from the banks, the harder they will fall when it all comes crashing down. California crashed,so the Gorgas will crash too.The only difference is it will be so much harder for them to acclimate to reality, because they lived a faux reality for too long, and everybody knows Melissa doesn’t like reality. When it comes knocking on her door,I think she will be packing her bags again, just without Capt Joe.

      • October 25, 2012 at 4:05 PM

        i cant book one out of salem va.

      • Over it
        October 25, 2012 at 10:10 PM

        The refi money. We can assume they aren’t suddenly going to be fiscally responsible. That money is going to maintain the pretend lifestyle. I do believe the orchestra continued to play until the Titanic sunk

        • Jeannie5233
          October 26, 2012 at 10:18 AM

          And Nero played the fiddle while Rome burned!! LOL!

  8. Victoria Veney
    October 25, 2012 at 1:51 AM

    Dee why would you come to this site and read the blog if your fans or the way you reacted family or the Gorga’s themselves? I love T alot and suport everything she does BUT I would never visit a blog that I knew was anti T and act the way you just did!! That is totally unnessasary for any fan to do cause really as fans were not that vested only a family member or the Gorga’s themselves would go to the extream you just did cause it’s a show it’s not that big of a deal DEE I never go to a pro Gorga blog and attack the fans who suport them EVER!! Fame has the right to put what ever she wants in HER blog without being ATTACKED by anyone and Annonamous and Cammamari I think I spelled that right lol and I and all T’s other fans and suporters have the right to post what ever comment they would like to post without being ATTACKED!! It’s called FREEDOM OF SPEACH and my dad and his dad and his grandfather fought for this country to make sure we ALL had those rights so please dont STOMP on our rights!! Thank God for our united States Armeries and the men and women who fought and also for those who gave thier lives to give us our FREEDOM and our RIGHTS and thank God for letting us live in America where we have all these rights!!

    • GracenLove
      October 25, 2012 at 2:08 AM

      Way to go Victoria!!

    • Jeannie5233
      October 25, 2012 at 11:34 AM

      Thats why this site is the BEST – we respect each others’ right to freedom of speech without being censored (ahem BRAVO) or bashed like most of the other blogs out there !

      So, Dee, once again, be respectful and we will hear what you have to say! Unfortunately you’ve been asked before and it just doesn’t seem to sink into your head. Your MO is always the same.

    • October 25, 2012 at 3:50 PM

      I’m not saying this to be argumentative but freedom of speech doesn’t even apply here so Dee is lucky that Fame is courteous enough to let her comments stay. Fame doesn’t have to do that. What does that say about someone you, Dee, are calling a “low life.”

      • October 25, 2012 at 3:52 PM

        Add a question mark to the end of the last sentence. Unfortunately no edit option on most sites.

    • October 25, 2012 at 8:38 PM

      Frankly, I didn’t understand a word that this Dee said, so how can I get upset about it. Plus he or she can post whatever they want, it wasn’t too rude or anything as far as I can tell.

  9. toxicprince
    October 25, 2012 at 3:26 AM

    lol, i guess dee didn’t have a comeback to what any of you said. “they r doing good” (which should be… well…) & then “he is takin it hard.” i’m sorry but… joe gorga is taking it hard? i hate to be too crude but, come on, gay guys like me don’t read something like “he is taking it hard” about joe gorga & not see the humor in it. & if you actually read the article, or many other articles from this blog you will see that they are doing TERRIBLY & pretending they are all fine & happy & THANK YOU JESUS for my wonderful life! dee, did you find your way here through facebook? to be honest, i think for the time being you might fit in better on the RHONJ facebook page, you know, until you see who joe & melissa really are, then come back & comment.

    • October 25, 2012 at 9:07 AM

      Toxic.. u tickle me… lol.. too funny…. I’m still trying to figure out what a persons “assists” are.. lol… unless its a basketball reference, im lost 😉

      • elemcee
        October 25, 2012 at 2:09 PM

        Toxicprince, too funny. I never gave that phrase a second thought, now I cannot stop laughing!!

        • October 25, 2012 at 3:54 PM

          As soon as I started to read it I knew where toxic was going with it… too funny. And very apropos too… lol Great post toxicprince.

  10. Chelsey
    October 25, 2012 at 3:52 AM

    I have such mixed feelings.. I love Teresa and the Joes for the hardworking people they are. I hate that they are being torn apart. If that shady bitch Melissa didn’t try to tear Teresa down for her own gain, I’d care enough to feel bad for her.

    • October 25, 2012 at 3:56 PM

      Exactly! You said exactly how I feel and wrapped up in a nice, neat package. I tried to say the same but it took me many more words to explain.

    • Gemma
      October 26, 2012 at 11:00 AM

      AMEN!

  11. October 25, 2012 at 5:28 AM

    this just pisses me off more than id like to admit… me and my partner both work full time both have our own car and are paying off our own home and let me tell u something its hard work keeping your head above water.. iv never had a bank loan, over drafts, private loans, only our mortgage and we are 1 and a half years away from clearing it and im only 25 my partner 28.. what does my head in as an honest hardworking tax paying person is that all the little comforts i would enjoy we have to sometimes cut back on them (my partner thinks who needs 60 pairs of shoes with handbags to match hmmm meee!lol) but people like these 2 living waay above their means to mentain a look of oooh im super rich and cool with all the best trends… while hardworking people are struggling everyday to keep their homes and their jobs because the banks cant help us little ppl out because fools like the gorgas borrow well more than they can pay back… my kids are dressed very well because we decide they are what is more important not that we dress shabby we just dont shop at all the designer shops till xmas lol i kiss my babies in the morning at 4.30am and dont see them till 10pm monday to thursday the rest of the week i work from 9am to 5pm as my hubby works nights we bump passed each other in the night or morning and thats the joys of working full time PAYING OUR BILLS and trying to keep our head above ground and we have doing a good job but unlike melissa my FAMILY is whats important to me and instead of trying to be a z list celeb im trying to put my kids through college and secure our future like every parent should do… id feel bad for them if she wasnt such a fame whore and attention seeker they deserve whats coming to them

    • elemcee
      October 25, 2012 at 2:13 PM

      Khylie, good for you! That is amazing that you owe so little, I am impressed!! I always refused to have a mortgage and was working 20 hour days (my husband too at times) to pay cash or everything. It is tough, I look back now and wonder how we did it…

  12. October 25, 2012 at 6:31 AM

    How could he have incorporated his business in 1988…24 years ago? Isn’t he only in his 30s now?

    • Prisous
      October 25, 2012 at 9:53 AM

      Yeah thats what I was thinking??…. Confused

      • HoustonHousewife37
        October 25, 2012 at 11:49 AM

        I was wondering the same thing. Joe is 2 years younger than Teresa and she turned 40 this year, which means he is 38. That would have made him 14 yrs. old (in 1988) at the time he incorporated his business. How is that possible?

        • Prisous
          October 25, 2012 at 1:21 PM

          Well it says on the manta site that this company ‘s president id Joseph Gorga Jr. Isn’t joe Gorga’s real name Guiseppe Gorga. I dont know maybe theres a mistake somewhere wrong company maybe. Or maybe whomever filled out that sites info for the company is a shammer. Be ause Joe gorga couldn’t have established that company himself at 14 yrs old if he the company has been around for 23 yrs.

          • October 25, 2012 at 4:00 PM

            Maybe it’s a typo.

            • Prisous
              October 25, 2012 at 4:34 PM

              What about the name?

              • October 25, 2012 at 7:32 PM

                I removed it from the article… Joe’s business name was Gorga Enterprise Inc., and was based in Paterson (and he used to also have an office in Wayne).

                • Prisous
                  October 25, 2012 at 7:53 PM

                  Ahh ok cause 10 courtland has its own manta page. I figure maybe it was a mixup! Was about to call the The other company up and ask to speak to j gorga just to tell em what an azzhole of a brother he is … Just kidding…. Lol. … Imagine all the calls joseph gorga must be getting lol because people thing joe maybe joseph when his actual name is Guiseppi …..

                  Fame …. thank you for all ur hard work! 😉

  13. Anonymous
    October 25, 2012 at 7:40 AM

    I don’t know why I came up anonymous,I touched reply,but anyway well said and so true!

  14. Victoria Veney
    October 25, 2012 at 8:09 AM

    I just wanna make something clear here I dont hate the Gorga’s or wish any bad on ANYONE I hate their ways and what these 2 did in the name of FAME!! I dont think anyone on here hate them like me they hate thier ways for what they have done to thier own family it’s thier ACTIONS we all HATE not the people. They are FAKE and PHONEY and the way these 2 came on this show and did his sister and the way he allowed his wife to go after his sister is DISGUSTING!! What really PISSES me OFF is that all the T hater’s can say some pretty awful things about her and even her CHILDREN and her husband and that’s ok they can down right lie and degrade this woman and her kids and husband BUT yet FAME and a few other sites I go to tell the TRUTH about the GORGA’S and we all get attacked and called names for our opinon and that’s ok I guess it true what they say good follows good and evil follows evil that’s my opinon and I have a right to it!! Oh btw T is paying her BILLS she didnt file chapter 7 she filed chapter 13 and is paying her creditors!! Im sure at one time Joe Gorga was a very hard worker then Melissa got in his head now all it looks like he’s workin hard at is fooling the public and obviously the banks and his creditors and it’s truely sad cause Joe seem like he really had his head on stright at one time and then he met Melissa and his morals and values when out the window and he followed after her fame and stoped at nothing to get it!! How’s that workin for you JoeGo? When someone stoops as low as these 2 did in the name of FAME nothing good can come out of that and Karma dont care how much money you pretend to have it’s coming to get alot of people on this show and exspecially coming for the Gorga’s / Marco’s does that make us bad people cause we belive in karma and know their gonna get what they deserve for hurting the people they have hurt no it does not make us bad people!! Fame your doing a great job and it’s your God given right to put the truth out there and let everyone decide for themselves what they wanna belive that’s why we live in AMERICA people!!

    • October 25, 2012 at 9:40 AM

      Victoria.. and don’t forget her work ethnic… he really respected that about her…

      • October 25, 2012 at 4:05 PM

        Who knew he’d end up actually being correct? She may be ethnic but she surely has no ethics. Freudian slip maybe?

  15. schmpoopie
    October 25, 2012 at 8:12 AM

    whaddaya wanna bet the Jamaican vacation is comped and winds up in life and style??

    • Jeannie5233
      October 25, 2012 at 8:33 AM

      Bingo!

    • Silvia
      October 25, 2012 at 11:32 PM

      for sure. with title like – “Jamaica – away from TERESA ” or “finally we can relax without TERESA ” or just simple title “TERESA” lol!

  16. cobound
    October 25, 2012 at 9:39 AM

    Atta’ boy JoGo! Keep digging yourself deeper in debt. I predict that when he’s flatlined, when no one else loans him anymore money, then he’ll make up with Teresa. I hope she remembers all the shit talking they did and tells them both to f-off.

    • HoustonHousewife37
      October 25, 2012 at 11:54 AM

      Teresa did tell Melissa at the reunion that she would regret saying she didn’t want anything to do with her. She said it with such conviction that it felt ominous. I just wish she would have directed it more toward her brother, because he is the one who is going to need her the most in the end.

      • October 25, 2012 at 4:07 PM

        She’ll be there for her brother no matter what. That’s why she took the chance to make herself look bad in order to protect him. Melissa, not so much. I don’t think she’ll have to worry ’cause I don’t see Melissa staying with Joey for all that long anyway.

      • October 25, 2012 at 10:04 PM

        I think Tre said that as a way to tell Melissa that SHE will have to go to Teresa for there to be a reconciliation, because she told Teresa to stay away. She was telling Melissa she can’t bitch about whatever Teresa “doesn’t” do because she told her she was “done” with her. Melissa kind of painted herself into a corner, and if I were Teresa, I’d keep her there.

  17. Jehan
    October 25, 2012 at 10:30 AM

    “Why don’t you pay your bills… you have to borrow money every week from people.” – Joe Gorga to Joe Gorga during part 3 of the season 4 reunion special

    Which Joe said to which?

    • amanda
      October 25, 2012 at 11:12 AM

      Joe Guidice said to Joe Gorga

  18. CP
    October 25, 2012 at 10:43 AM

    Finally – Jak’s blog is up – bunch of BS of course!

    • Jeannie5233
      October 25, 2012 at 11:56 AM

      The entire blog is so bogus – once again references to a “mutual” friend and how legally she can’t reveal certain things blah, blah, blah.

      What is the most telling of how delusional Jacqueline Laurita is how the last four paragraphs go on and on about how wonderful, fantastic, and normal her life is now and how blessed she is. According to her, her FINANCES are just fine! And, apparently, this coming Spring she will be a contributing editor for Parenting Magazine sharing her thoughts about autism! I am incredulous! Maybe we should contact the reputable magazine and let them know who Jacqueline Laurita REALLY is? Like the lack of payment of $18,000 she owes to the Susan G. Komen Foundation?

      She really does think the public is a bunch of idiots! This creature has real cohunes! She will get hers; it’s only a matter of time and she will deserve every single bit of it!!!

      • cobound
        October 25, 2012 at 12:13 PM

        What a Fing joke! This from the idiot that trapped Gia in the basement and loved every minute of it. Model parent indeed!

      • HoustonHousewife37
        October 25, 2012 at 12:22 PM

        Isn’t it amazing how all of these opportunities have seem to fall into Jacqueline’s lap. Please!!! After her behavior on the reunion episodes I’m hard pressed to think of anyone who would want her to write about her thoughts and opinions on any topic. God Bless us all!!!

        • JerseyGal
          October 25, 2012 at 2:03 PM

          I’m thrown off that she’s going to be a contributing editor for Parenting Magazine? Has the magazine watched the show?!

          • October 25, 2012 at 4:15 PM

            LOL I don’t think magazines have eyes! Just joshing ya… it does make you wonder if whoever is involved in these decisions realize that Jac isn’t all that popular any longer. Truly, it’s an embarrassment to associate Jac with anything to do with parenting. It’s like a sick joke. Obviously all these people hear is “real housewife” and they believe they have a following. They never think about all the readers they will actually turn off.

            • JerseyGal
              October 25, 2012 at 4:48 PM

              lol dch; correction magazine editors :)… and ITA! L

    • Prisous
      October 25, 2012 at 1:47 PM

      My question is how many times did Jacq have to rewrite her blog before Bravo finally approved it to go up. I can only imagine all the vile things she wrote before hand.

      • Anonymous
        October 25, 2012 at 6:28 PM

        It’s Sackem – on my iPhone…
        How is Jac an authority on parenting and autism??? If she is advising a generation of American mothers I’d be getting out of dodge. You’re going to get a group of self important me thinkers roaming the streets!
        In all honesty, if it happens I don’t think it’ll last OR she won’t be writing it – the word associate kinda negates the word editor, she can’t edit her thoughts let alone words. I find her to be highly condescending towards viewers and highly unlikeable on screen. Teresa, love her or hate her, is relatable – there is a reaction to her, how many times have you read from either camp “I have a friend like Teresa”? Jac in my opionion is a lump I have to watch in order to get to a different segment.
        Her blog was straight up irksome.

        • MomaJackie
          October 25, 2012 at 10:56 PM

          How are you Sackem? Hope you are doing well. I have been really busy at work (I am with Elections) and only get to glance through the comments for the past week. Why are you on Anonymous’ iPhone? LOL, love it, none the less.

  19. mary
    October 25, 2012 at 12:44 PM

    Jacqueline: Oh no…..I can’t make money from obsessing about Theresa forever, can I? I know, I will now use my CHILD for money! Yeah! America, listen to me! Listen to MY experience (I too can be relevant) written by publicists and ghost writers…..I can’t even speak a coherent, sentence, but you will not believe how much advice my “people” can come up with for $$$! Caroline: I will BE MORE FAMOUS, I WILL BE MORE FAMOUS. YOU TOOK MY SPOTLIGHT! YOU TOOK IT AWAY………………wait people are looking: Dear Dear World, let me tell you something in my book……………..Melissa: On display, on display, on display, on display……..(just keep imagining the pole and you can “MAKE IT” being on display on display, each and every day…….). Not much has changed there….the dollar bills are still all she gets for being on display on display……and sorry, I forgot the other one’s name…..

    • October 25, 2012 at 4:16 PM

      I feel sorry for the Editor. Can you imagine all the letters he/she will get?

  20. Brooklyn Girl
    October 25, 2012 at 1:17 PM

    I just brought all of Teresa’s cook book and her hair product. As her fan, I think this is my only way to help her get on top of the game. Since Meho and Jogo has so much money and they PAY all their bills……….they don’t need my help. They need to help me out by getting off the show. THANK YOU!

    • happylady
      October 25, 2012 at 2:21 PM

      There’s a big difference, huge in fact, between what everyone is selling. Theresa is offering products that are actually worth the money. Melissas music? Umm no thank you , she’s assaulted all my senses for free already. Kathy and her canollis? ill buy them fresh from the bakery . Carolines book? I’ve had to listen to her rambling sanctimonious lectures, no way am I going to read them as well. Oh and Jaq? I can find crazy in abundance anywhere for free also. All four have been peddling bs& lies for two seasons now and thanks to fame many people aren’t buying any of that crap either. I’m going to go chill a bottle of fabullini now.

    • October 25, 2012 at 4:29 PM

      hi brooklyn
      i bought the Milania products and my daughter just bought me all 3 of tres cookbooks for my bday in nov,yes we are team tre(n im learning how to use this computer at 67)

      • HoustonHousewife37
        October 25, 2012 at 5:17 PM

        Good for you Ms. Celi Chapman!!! I wish you could speak to my aunt, she is 69, active and very young at heart. However she will not allow herself to step into the 21st century. Anything that involves electronics or the internet she will shy away from it and insist on doing it the old way. Happy (web) surfing!!!

      • Silvia
        October 25, 2012 at 11:19 PM

        I agree, good for you Mrs.Celi!! I noticed your comments, you are doing great with the computer! 🙂 I think Teresa has the nicest people for the fans, as honest as she is.

    • JerseyGal
      October 25, 2012 at 5:36 PM

      How do you like the Milania hair products? I’m thinking of purchashing as well.

      • October 25, 2012 at 9:23 PM

        MILANIA IS GREAT, I WAS ABOUT TO CUT MY HAIR OFF AND DECIDED TO ORDER IT,AND MY HAIR NOW IS SOOOOO HEALTHY AND SHINNY,.AND YOU JUST USE A MITE OF IT,I STILL HAVE LOTS LEFT AND I USE IT 2TIMES A WEEK,,IV HAD IT 2MONTHS,AND I CANT WAIT (BUT I WILL) FOR MY TRES COOKBOOKS NOV.20

        • JerseyGal
          October 25, 2012 at 9:28 PM

          Excellent! I’m going to try them and can’t wait.

        • October 25, 2012 at 9:47 PM

          you’re going to love the cookbooks too. They’re every bit as good as the hair products-which I love. That is my favorite part of being a Teresa fan-finding out that yes, I can really trust what she says. Everything she endorses is as good as she promises

          • MomaJackie
            October 25, 2012 at 11:02 PM

            This is why she is so successful. I, too, love the hair products, as well as the cookbooks. Remember the new cookbook with be coming out soon also.

          • JerseyGal
            October 25, 2012 at 11:05 PM

            I’m trying to cook different meals so would love to learn more about authentic Italian cuisine.. Wouldn’t it be great if Teresa offered a gourmet cooking class with her fans? wishful thinking lol!

      • October 26, 2012 at 9:21 AM

        The heat serum, or whatever it is called smells yummy, and is the best protectant for flat ironing I have found. The others are just alcohol. I like the products.

  21. Victoria Veney
    October 25, 2012 at 1:36 PM

    Rotflmfao what work ethics? She’s never worked since they been married!! Her working at a Gentlemen Club for 100$ tips or the whole day she worked as a sub as a teacher for one day!! That work ethic? lmao that bitch wouldn’t know what work was if it bit her in the ass!!

    • October 25, 2012 at 4:20 PM

      From what we’ve heard she worked one day as a teacher and ran to Joey telling him she worked for two weeks and just couldn’t handle it. He had to save her and make her his secretary. Wonder if she had access to the funds that way?

  22. October 25, 2012 at 1:56 PM

    It’s just all so sad. A little generosity of spirit would go a long way toward repairing all of their relationships, but that’ll never happen because they all want to point fingers at what the others are doing wrong. Teresa is fighting for her family’s survival with no apparent help from anyone except maybe her parents. That she holds it together as well as she does is a testament to her strength and determination. She turns a blind eye toward things that her husband does because she can’t fix it – a little denial can help a person keep going in tough times.

    The part I don’t understand is how people get these huge loans. What possesses these banks to give them all that money? How do they make those huge payments?

    • Blake B
      October 26, 2012 at 12:19 AM

      Teresa is fighting for her family’s survival? Seriously? This poor family is living in a McMansion while she drives around in a Mercedes SUV carrying designer handbags while her oldest daughter can’t decide what Apple device she wants for her birthday. That’s not exactly fighting for survival.

    • Britney
      November 9, 2012 at 5:00 PM

      I don’t really understand this kind of stuff so don’t quote me. But I believe they could be loaned that kind of money because he was flipping the house, a builders loan can make money and the bank feels they will probably get their money back, so I think that is the difference.

  23. amanda
    October 25, 2012 at 2:15 PM

    All pro-melissa blogs/comments are just basically anti-tre
    All anti-melissa blogs/comments are exactly that….anti-melissa!!

    people that defend melissa are always just bashing teresa its exhausting

    • Blake B
      October 26, 2012 at 12:16 AM

      That’s pretty funny because this blog is obviously pro Tre and all it does is bash Melissa, Joey and the other housewives.

      • Jeannie5233
        October 26, 2012 at 4:08 AM

        That’s why this blog is named FAME WHORGAS. No, what’s pretty funny is that there are more anti-melissa blogs than pro-melissa blogs.

      • amanda
        November 1, 2012 at 4:46 PM

        Its an anti melissa blog…..it says it right in the title. I guess I should’ve said it’s not an anti Melissa blog disguised as a pro tre blog. This blog is very upfront with the agenda. Other blogs/sites/ppl on twitter that appear to be pro melissa really just bash Teresa. but they never want to say what they are….ANTI TRE. they just can’t admit that’s their goal is to trash teresa. Here we are honest. we want to EXPOSE THE GORGAS!

  24. happylady
    October 25, 2012 at 2:26 PM

    I’m curious and wondering if anyone here knows what’s the living situation now for the parents? Are they in limbo ? Rambling around the unfurnished spec house ? Waiting for their garage apt. at Theresas? Shipped back to Italy by Melissa before they start talking?

    • October 25, 2012 at 3:35 PM

      I’d like to know that, too. Joe Gorga claimed he moved them out of a house he owned and was trying to find a nice ranch with no steps for them, but on the reunion he said they don’t see him or his kids. Do they live with Teresa?

  25. October 25, 2012 at 2:42 PM

    Omg how did the gorgas qualify for a loan in that amount! Team T 🙂 ♡♥♡ http/:safeonfashion.storenvy.com

    • omg12
      October 25, 2012 at 2:45 PM

      ♡♥♡

  26. Brynn
    October 25, 2012 at 3:31 PM

    Reading JL blog and noticing, as of now, there’s alot of negative comments posted and they are allowing some on her bankruptcy through. Hopefully, Bravo keeps them up there! I was wondering if anyone knew how the autism community felt about her bringing awareness? For example, is she getting positive or negative feedback?

    • Silvia
      October 25, 2012 at 11:24 PM

      yes they are not as censoring as they used to be.(they must be reading this blog) My comments that have been in a quote waiting for seriously more then a week- have just posted to her previous blog. I was surprised.

  27. NMD
    October 25, 2012 at 4:14 PM

    So many negative comments on Jachole’s blog! Love it! I guess that dis-spells theory of Bravo censoring comments… or maybe that just means they are done with Jack! Celebrate! Bring on Carolyn’s family and lets see how the other side looks!

    • srh605
      October 25, 2012 at 8:19 PM

      Did you see the comments on Amazon.com regarding Caroline’s book which is on pre-sale? I think that’s why she’s back-peddling about T.

      • October 26, 2012 at 9:23 AM

        It is friggin hilarious.

  28. LifeIsGood
    October 25, 2012 at 4:53 PM

    How could J Gorga Construction be incorporated in 1988? He would have been in his early teens in 1988. I’m not sure how old he is, but Teresa was 16 in 1988 and he’s a few years younger than her.

    Regardless, he’s a scumbag.

  29. Viestepia80
    October 25, 2012 at 8:12 PM

    Just read the following: The Real Housewives of New Jersey’s Jacqueline Laurita and her family are embroiled in a scandal bigger than anything Teresa Giudice and Melissa Gorga can muster up and RumorFix has the exclusive details.
    Jacqueline and her in laws are being sued for more than $7 million in bankruptcy court — they are accused of pilfering and converting millions of dollars for their own personal use.
    The lawsuit revolves around Signature Apparel Group, LLC, which was founded by Jacqueline’s husband, Christopher, and his brother, Joseph. Signature went bankrupt in 2010, but attorneys allege the Lauritas “drained the company of all its funds and assets in order to support their families increasingly opulent lifestyle.”
    Now the trustee is suing Jacqueline and her in-laws and we have learned exclusively that the reality star has been summoned for a deposition on November 13 for the case.
    Documents state Jacqueline’s “wrongful conduct … contributed to and exacerbated Signature’s insolvency.”
    According to court papers, the Lauritas spent millions of the companies dollars on their family:
    $2 million in credit card payments
    $331,637 on at least 11 leased cars including a Bentley and a Maserati
    $284,793 on airline travel
    $145,894 for private jet rentals
    $73,793 for car services
    $25,000 for an off-Broadway theater company
    $16,951 in rental cars
    The trustee’s attorney Michael Fox tells RumorFix exclusively, “It frustrates me that they are so public about their lavish lifestyle and they show indifference.”

    http://rumorfix.com/2012/10/exclusive-jacqueline-laurita-to-testify-in-7-million-lawsuit-against-her-family/

    • Prisous
      October 25, 2012 at 8:26 PM

      Goes to show you … Here is an Excerpt from Andy Cohen’s book in relation to when they decided to do a housewive of New Jersey and when reunited with these women thier questions where way different from the other ladies of the other housewives shows.

      “These ladies weren’t about to enter into this show lightly or quickly and had many questions about the process and ramifications, questions unlike any we’d heard in the past. For instance: “Has anyone been audited as a result of this show? Or wiretapped?” From the beginning, Caroline Manzo was their leader; everyone in the room seemed to defer to her.”

      All of them had something to hide is the way I see it…. Tsk tsk…

      • October 25, 2012 at 9:25 PM

        LOL of course Caroline was the leader of the pack! I can just see that know it all taking charge and speaking for everyone…

      • October 25, 2012 at 11:09 PM

        Whoa!! Must be a “Jersey Thing”…( I miss my beloved Jersey) .This, my friends is VERRRRY telling.
        Wiretapping??? I mean of all the things to be concerned about…..who among us worries about wiretapping??

        • Blake B
          October 26, 2012 at 1:00 AM

          Jacqueline was the first housewife on board. She recommended Teresa who took a long time to sign on. We know now that Teresa and Joe didn’t file income taxes for at least three years. Me thinks she’s the one who had ‘concerns’ about audits and wiretapping. LOL

          • October 26, 2012 at 4:50 PM

            Given what news is coming to light about the Lauritas to the tune of 55mil?? Im pretty sure that the Giudices werent the only concerned ones. ; )

          • October 27, 2012 at 11:31 PM

            This is the first time I heard this rumor, and I will continue calling it that. Sounds like something Jac would say. She needs to be talking about her situations instead of Teresa.

    • October 25, 2012 at 11:13 PM

      Listen C A R E F U L L Y people……..Ya hear that sound??? The house of cards is crumbling. Who is next?

    • October 26, 2012 at 7:22 AM

      All I can see is WhackJac screaming at JoeG….”I HOPE YOU GO TO JAIL !!”
      The S**Ts about to hit the fan…..

  30. Viestepia80
    October 25, 2012 at 9:06 PM

    Jacqueline Edited blog has finally been posted on bravo. I think she signed up for another season. She must need the money..

    • R T
      October 25, 2012 at 9:55 PM

      Did you see that Jax is pushing Belvedere Vodka. That’s is so fitting her being a drunk and all.

      • Viestepia80
        October 25, 2012 at 10:32 PM

        It’s shame how she is exploiting her son with this autism issue. There are far better candidates to be chosen to speak about awareness then this alcoholic lunatic. Her son is not her #1 priority. Teresa is and the proof is in her blogs and twitter.

  31. Tulip
    October 25, 2012 at 9:52 PM

    Love this site! I found this information about where go to report banks that are not in compliance with mortgage lending laws:

    The OCC’s Customer Assistance Group (CAG) helps customers of national banks with questions or complaints they have about their financial institution. CAG’s toll-free lines are open
    Monday through Thursday, 9 a.m. to 4 p.m., Central Time, and on Friday, from 9 a.m. to 3 p.m., Central Time. You can reach one of OCC’s Customer Assistance Specialists by calling: 1-800-613-6743. Further information about the complaint process is explained below.

    What is the OCC?
    The Office of the Comptroller of the Currency (OCC) is a bureau of the United States Department of the Treasury. The OCC charters, regulates, and supervises over 2,500 national banks and their operating subsidiaries to ensure a safe, sound and competitive national banking system that supports the citizens, communities and economy of the United States. The OCC also supervises federally licensed branches and agencies of foreign banks. The national banks fund the OCC through assessments paid by the banks based on their assets and fees they pay for special services.

    General inquiries about banking laws or practices often can be answered on the phone or through email by a Customer Assistance Specialist. The specialist may also be able to suggest other ways for you to try to resolve your problem directly with the bank or its subsidiary.

    • seriously?
      October 28, 2012 at 10:36 PM

      Are you serious? You or others on this site are really going to report a bank for loan irregularities based on what you think are the state of these people’s finances?
      You have no idea what their finances really are! In this economy, to be able to re-fi with cash out, you have to have a good credit rating and be current on your debts. No bank is going to risk their own rating just to foreclose on a 3-4 million home that they will probably have to dump for less than half of the loan value.

      FYI, smaller banks are often tougher to get loans from as they have less loans to review. While they are more likely to give loans to help local business, they are less likely to take a chance on someone with a poor credit history.

      You all should stick to your junior detective work and leave the banking to people who actually know what they’re doing

  32. Over it
    October 25, 2012 at 10:25 PM

    I’m starting to think that lil Joey isn’t as (I hate to even say this) dumb as he appears. Initially all real estate was in his name alone. When they built the McMansion her name was added. That puts her on the hook too. I dunno maybe I’ve read too much about this and should really do some laundry lol

    • Blake B
      October 26, 2012 at 12:12 AM

      Isn’t that what people do after they get married? Put property in both their names in case one of them dies? The house had equity at the time and it still does.

      • happylady
        October 26, 2012 at 1:12 AM

        Houses have equity until they are mortgaged to the hilt and treated like an atm.

      • Over it
        October 26, 2012 at 9:37 AM

        not necessarily. Just as effective would have been to name her as sole beneficiary of his estate should he die. By putting her name on the property, it puts her on the hook for the mortgage EVEN if they divorce.

  33. Blake B
    October 26, 2012 at 12:06 AM

    What’s the point of all this information. All you’re showing is that Joe Gorga was refinancing to get better rates. That’s actually a smart move. So he borrowed extra cash. It’s a good rate. Maybe it’s to invest in what he does for a living. Just like the other loans.

    • 1hotspec
      October 26, 2012 at 4:46 AM

      Ohh yeah someone who can’t accept the truth about the Whorgas. Look there is plenty of evidence that it’s all smoke and mirrors with these two. Had it been Teresa you would have been yee hawing fraud.

  34. Zoebot
    October 26, 2012 at 12:39 AM

    Note to Joey G: DON’T WRITE CHEQUES YOUR ASS CAN’T CASH, SON.

    I also found this to be interesting. Wonder what’s going on? Did someone see the light?

    P.S. Not sure if the image was properly inserted, so here is a direct link as well: http://i50.tinypic.com/14xjl01.png

    • Blake B
      October 26, 2012 at 1:06 AM

      Claims by Kim D. who had no problem with Melissa when she supposedly bouncing checks and promoting her store. When Melissa stopped doing that, Kim’s claws came out. That tells you what Kim D is all about. She’s a vindictive lowlife trying to be relevant because they didn’t make her a housewife.

      • Zoebot
        October 26, 2012 at 1:09 AM

        Confused. How did Kim D. suddenly become relevant in this conversation? What does she have to do with anything pertaining to this post or my comment?

        Oh and Melissa is garbage. Just saying.

      • Over it
        October 26, 2012 at 9:48 AM

        what that tells me is that she’s a business lady who got pissed when a former customer started slamming her business. Vindictive, yeah, probably but..

  35. redmoon
    October 26, 2012 at 12:13 PM

    I guess that’s how they “pay our bills”. And Joe Gudice was right about M&J borrowing money to pay their bills. Why would Melissa go around spending all that money? You could see Joey was itching over the birthday party she threw form Antonia. What a public mess!

  36. October 26, 2012 at 7:40 PM

    Why is none of this information exposed on RHONJ? Why doesn’t Andy Cohen ask about their rumored financial problems and ask her what is the REAL reason they are moving. Why hasn’t this information been sent to the New Jersey Police to investigate for loan fraud? This is a criminal offense to purposefully acquire a commercial loan for your private residence. I can’t believe how Melissa gets away with looking like the perfect wife & mother yet gets to slam Teresa and her financial problems all over BRAVO and magazines.
    Can’t this get published in New York Post?

  37. October 27, 2012 at 4:35 PM

    Please send this information to New Jersey police department FRAUD division and / or NJ district attorney Fraud division. The Gorgas are such liars and have been so vocal against Teresa & Joe’s financial problems that they need a taste of their own medicine. Also New York Post & Reality Tea and US magazine.

  38. daisymay
    October 28, 2012 at 6:40 PM

    I guess JoGo doesn’t remember what happened to Tiny Manzo when he didn’t pay back his debts…

  39. October 29, 2012 at 1:19 AM

    I Love this site!!! Finally someone that sees through all the BS and lies we were fed this season. you actually pull out facts and quotes to back it up. Can’t believe some people are so gullible to believe Melissa and Wacko Jacko. Keep up the good work. Hopefully Bravo will drop Jac atleast from next season. I’m so over her phony two year old finger pointing self.

  40. DB
    November 2, 2012 at 4:47 PM

    So I checked out the new Gorgafans blog. The site claims Joe Gorga is already building ( and has been for some time by the looks of it) a new mega mansion in Franklin Lakes for Melissa. I find this very interesting. Why didn’t she mention this at the Season 4 reunion? He must be extremely wealthy to be building another huge home. But, if he is so wealthy why refinance the home they are trying to sell and pull out a measly $400,000?

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