Ben, Do you REALLY expect these people you stiffed out of hard earned money believe anything that comes out of your mouth?  Man, you really have some issues.  There must be a psychiatric term for someone like you.  Sociopath???  Serial liar?  I think you need a good therapist.  I mean, how do you really sleep at night.  Probably with no problem and laughing all the time about the people you screwed.  Karma is a bitch, buddy.