The OP has admitted to breaking the most expensive item on her list I don't see a reason at this point to accuse her of lying about breaking a shelf in a fridge.

Even if you are completely innocent of wrong doing, the accusation itself could do more than enough harm to you to put you out of business.

Originally posted by J Scott:It was a very serious accusation, not at all a joke.

There are a lot of scam accusations and poor reviews.

@Michael Totman I think you are right, I just never wanted to get accused of not having a focus on work.

___NewsweekFORMER 'FOX & FRIENDS' HOST ACCUSED OF RUNNING PONZI SCHEME FLEES U.S.

This sums it up......http://chicago.cbslocal.com/2017/05/11/2-investigators-company-accused-of-dodging-600k-in-property-taxes/

As mentioned earlier, this property manager was accused of fraud in 2008.3.

I even explained this strategy to one lender and asked him if it would create any problem if the first lien was a commercial loan or a HML, and they said no, as long as there is a first deed of trust, it meets the guidelines (which is all these people really care about).I ended up finding a lender who would do the cash out refi anyway after I called enough of them, so I didn't have to go with the above scheme, but my thinking at the time was that I wanted to use a real 3rd party for the loan, so that I couldn't be accused of fraud, so basically I was going to go to a HML.

On the other side of the coin though, I would hate to find out I'm being sued or accused of brokering without a license by some scorned realtor.