Sarah – you asked for facts? How about public records? I did a quick google search for Steve V. Bartko. Interestingly, he has NO web presence for anything related to his business. But, I did find a pdf from First American Title showing his purchase of a 1bd/1ba condo in Oceanside in 2007 (for $550k no less!). Then I did a quick search at the county assessor site to see that he has not paid his property taxes on that property. Just the kind of person you would feel confident about their “personal guarantee”.

I suggest you do your own “research”. The info above took about 3 minutes to find.