Jim Ryan and Peter Miller are both fake ALIAS names used by owner SAL ESPOSITO to hide from people. This is a criminal boiler room phone room scam run by a convicted felon Sal Esposito and his brother Joe. They even scammed this old douche bag playboy named Edward Billings to invest money in their scam and use his excellent credit to help them open new merchant accounts with banks because their old accounts were shut down for STEALING MONEY FROM PEOPLE.

DO NOT DO BUSINESS WITH THESE PEOPLE. THEY ARE NOTHING BUT THIEVES AND LIARS. They will steal your money and do nothing. Their TRICK is they will have you sign an agreement in writing which they will use to FIGHT a credit card dispute when they do not deliver their service to you.

They know that when you dispute your charge - if they show a signed written agreement - the credit card company will reverse it. There are literally hundreds of innocent victims of this scam. These people are in the business of STEALING MONEY and FIGHTING CREDIT CARD CHARGEBACKS.

They are scamming people through timeshares using the company names;

www.timesharetraderusa.com
and
www.bluebayadvisors.com

Now they have a new scam charging people for loan modifications and not doing anything.

www.fmafinancial.com

Just go to www.ripoffreport.com and put in search term bluebay advisors or fmafinancial.com to see all the reports of people they have screwed.