-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
1/87
1
O
NE
N
EW
AR
K
CE
NT
ER
S
UI
TE
21
00
N
EW
AR
K,
N
EW
JE
RS
EY
0
71
02
I
N R
E:
BA
NKR
UP
TC
Y
AC
TI
ON
GI
US
EP
PE
GU
IDI
CE
AN
D
C
AS
E
NO
.
0
9-3
90
32
(M
S)
T
ER
ES
A
Gi
ud
ic
e,
De
bt
or
,
D
ec
em
be
r
2
3,
20
09
TR
AN
SCR
IP
T
OF
C
HA
PT
ER
7-
341
HEA
RI
NG
BE
FO
RE
A
PPO
IN
TE
D
T
RU
ST
EE
JOH
N
SY
WI
LOK
,
ES
Q.
A
PP
EA
RAN
CE
S:
Fo
r t
he D
eb
to
r:
Fo
r
U.
S.
T
ru
st
ee:
Fo
r
W
ac
hov
ia
B
an
k:
J
AME
S A
.
KR
ID
EL,
ES
Q.
K
ri
del
L
aw
G
rou
p
10
35
Ro
ut
e
4
6
Ea
st
S
ui
te
B-
20
4
C
lif
to
n
N
ew
Jer
se
y 0
70
13
J
OHN
S
YW
IL
OK
,
E
SQ
.
Go
dl
esk
y
S
ywi
lo
k
51
M
ai
n
S
tr
ee
t
Ha
ck
en
sa
ck
,
Ne
w
J
ers
ey
07
60
1
WI
LLI
AM
Z
IM
ME
R
Tr
us
te
e An
al
ys
t
T
AN
A B
UCC
A,
ES
Q.
JES
SI
CA
J
.
M
AC
AR
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ES
Q.
Mc
Ca
rt
er
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ng
li
sh
,
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P
F
ou
r Ga
te
wa
y
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nt
er
1
00
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lb
err
y
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re
et
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wa
rk
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ew
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se
y
07
10
2
For
J
ose
ph
Ma
st
ro
po
le:
WI
LL
IA
M SA
RA
CI
NO,
E
SQ.
WI
LL
IA
M
C
.
SA
RA
CI
NO,
E
SQ
.
5
00
Un
io
n
B
ou
le
va
rd
T
oto
wa
Ne
w J
er
se
y
07
51
2
T
ra
ns
cr
ibe
d
by
:
Pa
tr
ic
ia
Gr
uz
dis
,
AO
C
57
7
F
OR
KI
NG
T
RA
NS
CR
IP
TIO
N
65
Wi
ll
ow
br
oo
k
Bou
le
va
rd
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ay
ne
Ne
w
Je
rs
ey
0
74
70
A
ud
io
R
ec
or
de
d
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
2/87
Co
ll
oq
u
y
2
M
R.
TR
US
TE
E
:
O
k
ay
.
Th
i
s
is
t
he
m
at
te
r
o
f
2
G
IU
S
EP
PE
G
iu
di
c
e a
nd
Th
er
es
a
G
i
ud
ic
e.
Le
t
s
se
e
I
3
do
n
t
e
ve
n
h
av
e
t
he
c
as
e
n
um
be
r
wh
at
s
t
he
c
a
se
n
u
mb
er
0
9-
3
90
32
.
M
y
na
me
s
Jo
hn
S
yw
il
ok
an
d
I
ve
5
be
e
n d
es
ig
na
t
ed
a
s
t
he
Ch
ap
te
r
7
t
ru
st
ee
o
f t
h
is
ca
se
.
6
Yo
u
a
re
b
ot
h
he
re
to
d
ay
b
ec
au
se
t
h
e
7
ba
nk
r
up
tc
y
c
od
e
re
q
ui
re
s t
h
at
y
ou
ap
pe
ar
an
d b
e
8
e
xa
mi
n
ed
u
nd
er
o
at
h
co
nc
e
rn
in
g
th
e
s
t
at
em
en
t
s
y
ou
ha
ve
9 s
et
fo
r
th
i
n
yo
ur
ba
nk
r
up
tc
y
pe
t
it
io
n,
sc
h
ed
ul
es
,
an
d
10 statements of affair.
Your testimony will be given
11
un
d
er
oa
t
h
an
d
r
ec
or
de
d
,
so
yo
u
m
ak
e
s
ur
e
t
ha
t
y
ou
1
2
y
ou
u
nd
e
rs
ta
nd
t
he
q
ue
st
io
ns
t
ha
t
I
a
s
k,
a
nd
a
ga
i
n,
13
yo
ur
t
es
ti
m
on
y
is
u
nd
er
oa
th
a
nd
b
ei
ng
r
e
co
rd
ed
.
14
F
ir
s
t
t
h
in
g
w
e
ll
do
i
s
we
r
e
go
in
g
t
o
sw
e
ar
15
b
ot
h
o
f
y
ou
i
n.
Wo
ul
d yo
u
p
l
ea
se
e
ac
h
ra
i
se
yo
u
r
16 right hand?
1
7
G
I
U
S
E
P
P
E
G
U
I
D
I C
E,
D
EB
TO
R,
S
WO
RN
18
T
H
E
R
E
S
A
G
U
I
D
I
C
E,
D
EB
TO
R,
S
W
OR
N
1
9
MR
.
T
RU
ST
EE
:
Al
l r
ig
h
t.
W
o
ul
d
y
ou
e
ac
h
2
0 g
iv
e
m
e
yo
ur
n
a
me
an
d
ad
dr
es
s
fo
r
th
e
r
ec
or
d?
21
MR
S.
Gi
u
di
ce
:
T
he
re
sa
G
iu
di
ce
,
6
I
n
di
an
2
2
L
an
e,
To
wa
c
o,
N
e
w J
e
rs
ey
,
0
70
82
.
2
3
M
R.
T
RU
S
TE
E:
S
ir
?
2
4
MR
.
Gi
ud
ic
e
:
GI
US
EP
PE
G
iu
di
ce
,
6
In
di
a
n
2
5
La
ne
,
T
o
wa
co
,
N
ew
J
er
se
y,
07
08
2.
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
3/87
Colloquy
3
1
MR.
TRUSTEE:
Okay.
And
you
have
your
2
identification,
which
you re
showing
me.
All
right,
3
Mrs.
Giudice,
you re
showing
me
your
picture
ID
and
4
your
social
security
number
and --
which
matches the
5
petition.
Sir,
you re
showing
me
your
picture ID
and
6
your
social
security
number,
which is
reflected
on
7
your
Horizon
Blue
Cross
--
but
where?
Okay.
8
(Pause
in
proceedings)
9
MR.
TRUSTEE:
I
don t
see
it --
on
your
card
10 here. Do you have any
--
any other identification
11
which
has
12
MR.
KRIDEL:
We
do
have
tax
returns
here.
13
MRS.
Giudice: Oh,
this
is
a
new
card.
It
14
doesn t
have
it
anymore.
15
MR.
Giudice:
All
right.
16
MR.
Giudice:
Do
you
have
the
old
card?
17
UNIDENTIFIED
FEMALE:
Here s
a
statement of
18
social
security --
19
MR.
KRIDEL:
Where s
the
additional
tax
20
returns?
21
MR.
TRUSTEE:
All
right. I
have
the
tax
22
returns --
23
MRS.
Giudice:
Oh,
here it
is.
24
MR.
TRUSTEE:
Okay.
25
(Pause
in
proceedings)
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
4/87
C
ol
lo
qu
y
4
1
M
R
.
TR
US
T
EE
:
O
ka
y,
t
h
at
m
a
tc
he
s
t
he
o
t
he
r
2
do
cu
me
n
ts
yo
u
h
a
ve
s
en
t
m
e.
O
k
ay
.
A
l
l
ri
gh
t.
I
m
go
in
g
t
o s
ho
w
y
ou
th
e
p
et
it
io
n
y
ou
or
i
gi
na
ll
y
f
il
e
d
in
4
th
is
.
M
r.
Gi
ud
i
ce
is
th
at
yo
ur
signature
on this
5
pe
ti
ti
o
n?
6
M
R.
Gi
u
di
ce
: Ye
ah
.
7
MR
.
TR
US
TE
E
:
Mr
s.
Gi
u
di
ce
i
s
t
ha
t yo
ur
8
si
gn
at
ur
e
o
n
t
hi
s
pe
t
it
io
n?
9
MR
S.
G
i
ud
ic
e:
Y
es
.
10
MR.
TRUSTEE: All right.
As of
the
time
you
11
f
il
ed
t
hi
s pe
t
it
io
n
is
t
he
in
fo
r
ma
ti
on
th
er
e
t
ru
e
an
d
1
2
co
rr
ec
t
?
1
3
MR
.
G
i
ud
ic
e:
Ye
s.
1
4
MR
S
.
G
i
ud
ic
e:
Y
es
.
1
5
M
R.
T
RU
S
TE
E:
A
n
d
s
ub
se
qu
e
nt
ly
y
ou
fi
le
d a
n
16
am
e
nd
me
nt
t
o
t
he
pe
ti
ti
o
n
an
d
sc
he
du
l
es
?
17
M
R.
G
iu
di
c
e:
Y
es
.
1
8
MR
S
.
G
iu
d
ic
e:
Y
es
.
1
9
M
R
.
TR
US
TE
E
:
A
n
d
wh
at
wa
s
th
e
r
ea
so
n
th
a
t
2
0
yo
u
h
ad
t
o
am
e
nd
th
e
pe
ti
ti
o
n
a
nd
s
ch
ed
ul
e
s?
2
1
M
R.
G
iu
di
ce
:
J
us
t
be
ca
u
se
th
er
e
w
a
s
s
o
mu
ch
2
2
s
tu
ff
23
M
R.
TR
U
ST
EE
:
E
xc
us
e me
?
2
4
MR
.
G
iu
di
c
e:
Be
ca
us
e
t
he
r
e w
a
s
a
l
ot
o
f
2
5
st
u
ff
.
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
5/87
Co
llo
qu
y
5
1
M
R.
TR
US
TEE
:
Th
at
w
as
m
is
sin
g f
ro
m
th
e
2
ori
gi
na
l p
et
iti
on
?
3
MR.
G
iu
dic
e:
Yes
.
4
M
R.
T
RU
STE
E:
Al
l
r
igh
t,
an
d
w
ou
ld
you
5
p
le
ase
sp
ea
k
up
b
eca
us
e
e
ve
ryb
od
y
has
to
h
ea
r
th
is
6
te
sti
mo
ny.
7
M
R.
G
iud
ic
e:
Al
l
ri
gh
t.
8
MR
.
TR
US
TEE
:
Oka
y.
I
m go
in
g
to
sh
ow
you
9
th
e
sc
he
dul
es
t
ha
t
you
fi
led
a
s
a
men
dm
en
ts.
10
MR. Giudice:
Explain
to
me
as
if
I don t
1
1
un
de
rs
tan
d
it.
I
do
n t
kno
w
wha
t
he
s
t
alk
in
g
ab
out
.
1
2
EX
CE
LSI
OR
LU
MB
ER
O
WN
ER:
O
kay
.
T
hes
e
ar
e
13
am
en
dme
nt
s t
o t
he
C
ha
pte
r
f
il
in
g on
be
ha
lf
of
the
--
14
ba
si
cal
ly
a
dd
iti
on
al
inf
or
mat
io
n
-
-
1
5
UN
ID
EN
TIF
IE
D F
EMA
LE
:
On
ce
we
had
re
ce
ive
d
16
all
the
other
i
nfo
rm
ati
on
.
17
EX
CE
LS
IOR
LU
MB
ER
OW
NE
R:
-
-
yo
u
had
p
ro
vid
ed
1
8 u
s so
yo
u
sh
oul
d
j
us
t --
1
9
M
R. TR
US
TE
E:
An
d
is
t
ha
t
a
nd
di
d
you
2
0
si
gn
t
hes
e
p
eti
ti
on
s?
21
M
R.
G
iud
ic
e:
Y
es.
22
MR.
TR
US
TEE
:
A
nd
d
id
y
ou
s
ign
th
es
e
2
3
sc
he
dul
es
an
d
p
et
iti
on
s?
24
(
No
ver
ba
l
res
po
nse
)
25
MR
.
TR
UST
EE
:
Yo
u
ha
ve
to
v
erb
al
ize
.
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
6/87
C
ol
l
o
qu
y
6
1
MR
S
.
G
i
ud
i
c
e:
Y
e
s.
2
M
R.
T
R
US
T
E
E:
A
ll
ri
g
h
t,
I
n
o
te
t
h
a
t
th
e
se
3
a
r
e
t
h
e
e
l
e
ct
r
i
c f
i
l
in
g
s
4
M
R
S
.
G
i
ud
i
c
e:
Right.
5
M
R
.
T
R
U
ST
E
E
:
on
t
h
e
se
,
bu
t
y
o
u
si
g
n
ed
6
th
e
o
r
ig
i
n
al
s
.
Is
t
h
at
c
or
r
e
ct
?
7
M
R
.
G
iu
d
i
ce
:
Ye
s
.
8
M
R
S
.
G
i
ud
i
ce
:
R
ig
h
t.
9
M
R
.
TR
U
S
TE
E
:
An
d
c
o
un
s
e
l,
y
o
u
r
e g
oi
n
g
to
10 supply
to me copies
11
E
X
C
EL
S
I
OR
L
UM
B
ER
O
WN
E
R:
Y
e
s.
1
2
UN
I
D
EN
T
IF
I
E
D F
EM
A
LE
:
Y
es
.
13
M
R
S
. Gi
u
di
c
e
:
Y
es
.
1
4
M
R
.
TR
U
S
TE
E
:
-
-
of
t
h
os
e
o
r
ig
i
n
al
s
?
1
5
(
Pa
u
se
i
n
pr
o
ce
e
d
in
g
s)
1
6 BY
MR
.
T
R
U
ST
E
E
:
17
Q
N
ow
,
fi
r
s
t
t
o
y
o
u,
S
ir
,
i
s
ev
e
r
yt
h
in
g
n
o
w
1
8
tr
u
e
a
nd
c
or
r
e
ct
t
ha
t
s
c
on
t
a
in
e
d
in
y
ou
r
pe
t
i
ti
o
ns
,
1
9 s
ch
e
du
l
e
s,
a
n
d
s
t
at
e
m
en
t
o
f
a
ff
a
i
rs
?
20
A
Y
e
s
.
2
1
Q
I
s
t
he
r
e a
n
y
ch
a
n
ge
s
t
ha
t
y
ou
w
i
s
h
to
ma
k
e?
2
2
A
No
.
2
3
Q
A
n
d
yo
u
re
v
i
ew
e
d i
t w
i
th
y
ou
r
at
t
or
n
e
y
2
4
b
e
f
or
e
y
o
u
s
ig
n
e
d
t
he
a
m
e
nd
m
en
t
s
?
25
A
Ye
s
.
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
7/87
Colloquy ~
1
Q
And
everything
there
is
true
and
correct?
A
Yes.
3
BY
MR.
TRUSTEE:
4
Q
All
right,
Mrs.
Giudice,
did
you review the
5
petition --
amended
petition,
schedules, --
6
A
Yes.
7 Q --
and
statement
of
affairs?
8 A
Yes.
9
Q
Wait for
me
to --
10 A
Oh,
sorry.
11
Q
--
ask
the
question.
And is
everything
12
there
true
and
correct?
13 A
Yes.
14
Q
Any
changes
that
you
wish
to
make?
15
A
No.
16
Q
And
you
reviewed
it
with
your
attorney?
17
A
Yes.
18
Q
And
everything
there
is
true
and
correct?
19
A
Yes.
20
(Pause
in
proceedings)
21
MR.
TRUSTEE:
Okay.
All
right,
I m
going
to
22
direct my
first
questions to
you,
Sir.
And
you
can
23
answer
and then
later on,
we ll
direct
questions
to
24
you.
25
BY MR.
TRUSTEE:
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
8/87
Colloquy
g
Q
You re
the
owner
of
certain
real
estate.
Is
2
that
correct?
3 A
Yes.
4
Q
And
the
one
you re
living
at
is in
Towaco.
5
Right?
6 A
Yes.
7
Q
And
that
is
owned
by
you
and
your
wife.
8 A
Yes.
9
Q
Is
that
correct?
Again,
wait for
me
to ask
10
--
11 A
Sorry.
12
Q
--
the
question.
When
did
you buy
this
13
property?
14 A
It s
got
to
be
about eight
years
ago.
15
Q
And
what
did
you
originally
pay
for
the
16
property?
17
A
550 --
or
525.
18 Q
And
was
there a
prior
home
on
the
--
19 A
Yes.
20 Q
--
on
the
property?
21
MR.
KRIDEL:
Just
a
second.
Wait
for him
to
22
finish
the
whole
question --
23
MR.
Giudice:
Sorry.
24
MR.
KRIDEL:
--
before
you
answer.
25
BY MR.
TRUSTEE:
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
9/87
Colloquy
1
Q
And
subsequently,
did
you knock
that
house
2
down?
3 A
No.
4
Q
And --
but
did
you
do
renovations on that
5
house?
6 A
Yes.
7
Q
And
when
you
purchased
it,
how
much of
a
8
down
payment
did
you
make on
that
house?
9 A
I
don t
recall.
Maybe
150,
200
--
I
don t
10
remember.
11
Q
And
where
was
that
monies
realized from?
12
A
I
sold a
Laundromat.
13
Q
And
that
was
about
eight
years
ago?
14
A
Yes.
15
Q
Okay.
All
right, now
you
did
renovations
to
16
the
premises.
Is
that
correct?
17
A
Yes.
18
Q
And
where
did you
get
the
funds to
--
19
A
Bank.
20
Q
Which
bank?
21
A
Sterling.
22
Q
And how
much
did
you borrow
from
Sterling?
23 A
Maybe a
million
six,
million
seven.
24
Q
And
all
these
funds
were
used
for
the
25
renovation of
the
house?
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
10/87
Co
ll
oqu
y
10
1
A
Yes
.
Q
Wa
s t
her
e
su
bse
qu
ent
ly
a
mor
tg
age
gi
ven
to
3
Co
mm
uni
ty
Ba
nk
of
R
oc
hel
le
Pa
rk
?
4
A
Ye
s.
5
Q
An
d
wh
at
was
th
e
rea
so
n f
or
tha
t
mor
tg
ag
e?
6
A
Ju
st
t
o
re
fi
.
7
Q
So
it
wa
s
a
re
fi
an
d w
hat
w
as
th
e
in
te
re
st
8
l
ow
ere
d
or t
he
a
mou
nt
?
9
A
Le
ss.
10 Q
Which
one?
1
1
A
T
he i
nt
er
est
ra
te
wa
s l
ow
ere
d.
Th
e
oth
er
on
e
was
12
a
con
st
ruc
ti
on
loa
n.
13
Q
A
nd
s
o
how
m
uc
h --
w
ha
t
w
as
th
e
to
ta
l
a
mo
un
t
14
tha
t
w
as
i
nve
st
ed
to
re
nov
at
e
t
hi
s
ho
me?
15
A
A
ll
of
it.
1
6
Q
Al
l
of
i
t?
A
nd
w
ha
t
re
co
rds
d
id
you
ke
ep
in
17
con
ne
ct
ion
wi
th
th
e
re
no
vat
io
n?
18
A
Co
nt
rac
ts
,
rec
ei
pts
.
19
Q
An
d
whe
re
a
re
a
ll
th
os
e
rec
or
ds
?
20
A
F
il
es.
2
1
Q
An
d
whe
re
a
re t
hos
e
fi
le
s?
22
A
I
n
t
he
of
fi
ce.
2
3
Q
In
w
hat
o
ff
ic
e?
24
A Cl
if
ton
.
2
5 Q
Wh
at
s
t
he
a
ddr
es
s
in
Cl
ift
on
?
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
11/87
Col
lo
quy
11
1
A
393
Le
xi
ngt
on
A
ve
.
Q
O
kay
.
A
re
yo
u
cu
rre
nt
on
th
e
mo
rt
gag
e?
3
A
Y
es.
4
Q
An
d
whe
n
s
the
la
st time
you
made
a
payment
5
on
t
he
m
or
tga
ge
?
6
A
La
st
mo
nt
h.
7
Q
A
nd
i
s i
t
you
r
int
en
tio
n
to
k
eep
th
e
ho
use
?
8
A
Y
es
.
9
Q
O
ka
y.
And
8
6
Pi
ne
bro
ok
R
oad
,
Li
nc
oln
P
ark
.
10
When
did
you
buy that property?
1
1
A
Ma
ybe
t
hr
ee
ye
ar
s
a
go,
fo
ur
yea
rs
a
go.
I
m
n
ot
12
s
ur
e.
1
3
Q
A
nd
w
hat
wa
s
t
he
pu
rc
has
e
p
ric
e?
1
4
A
I
th
ink
17
0.
15
Q
An
d
w
he
re
d
id you
ge
t th
e
f
ina
nc
ing
f
or
the
16
pu
rch
as
e?
17 A
I
f
or
get
th
e
na
me
of
th
e
ba
nk
--
1
8
E
XC
ELS
IO
R
LUM
BE
R OW
NE
R:
W
e
can
t
h
ea
r
19
ev
er
yth
in
g.
20
BY
MR.
TR
US
TE
E:
2
1
Q
C
oul
d yo
u
pl
eas
e
sp
eak
up
,
--
2
2
A
Ye
s.
2
3
Q
--
so
t
he
--
24 A
I
ca
n
t -
-
I
can
t
r
eme
mb
er
t
he
na
me
o
f
th
e
ba
nk.
2
5
Q W
el
l,
if
I g
av
e
y
ou
th
e
pe
tit
io
ns
an
d
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
12/87
C
o
ll
o
qu
y
1
2
1
sc
h
ed
u
le
s
,
w
o
ul
d
t
ha
t
a
s
si
s
t
y
ou
i
n
-
-
2
A
Y
e
s.
3
M
R
.
T
RU
S
TE
E
:
C
o
un
s
el
or
,
w
ou
l
d
yo
u
s
h
ow
h
im
4
yo
u
r
s
c
he
d
ul
e
s
a
nd
5
M
R
.
K
R
ID
E
L:
Su
r
e.
Yo
u
d
on
t r
e
me
m
be
r
w
hi
c
h
6
b
a
nk
t
ha
t
w
a
s?
7
(P
a
us
e
in
p
r
oc
e
ed
i
ng
s
)
8
MR
S
.
G
iu
d
ic
e
: L
ak
e
la
n
d.
9
M
R
.
KR
I
DE
L
:
D
oe
s
th
a
t
re
f
re
s
h
y
o
ur
10 recollection? That s probably the
service
11
MR
.
Gi
u
di
c
e:
A
me
r
ic
a
n
S
er
v
ic
i
ng
C
om
p
an
y
i
s
1
2
o
ne
.
13
U
NI
D
EN
T
IF
I
ED
F
EM
A
LE
:
Th
a
t
s
--
14
M
R
.
G
i
ud
i
ce
:
A
nd
th
e
n
th
e
re
s
a
s
e
co
n
d
on
e
.
15
B
Y
MR
.
T
RU
S
TE
E
:
16
Q
A
n
d t
he
n
t
he
r
e
s
a
t
h
ir
d
m
or
t
ga
g
e f
ro
m
1
7
W
a
ch
o
vi
a
?
1
8
A
A
n
d
a
t
h
ir
d
o
n
e
f
r
om
W
ac
h
ov
i
a.
1
9
Q
A
t
th
e
t
im
e
o
f
t
he
p
ur
c
ha
s
e,
w
a
s
t
h
er
e
o
n
ly
20
t
wo
mo
r
tg
a
ge
s
t
ak
e
n
o
ut
a
t
th
a
t
t
i
me
?
21
A
Y
e
s.
2
2
Q
A
n
d
ar
e
yo
u
cu
r
re
n
t
o
n
t
h
os
e
m
or
t
ga
g
es
?
2
3
A
N
o
.
2
4
Q
A
nd
i
s
i
t
yo
u
r
i
n
te
n
ti
o
n t
o
k
e
ep
th
i
s
--
2
5
A
N
o
.
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
13/87
C
ol
lo
quy
13
1
Q
--
ho
us
e?
An
d
w
ha
t i
s
it,
a
on
e
-f
am
il
y
2
h
om
e?
A
Ye
s.
4
Q
Now
y
ou
t
ook
out
third
mortgage from
5
W
ac
ho
via
.
I
s
t
ha
t
c
or
rec
t?
6
A
Ye
s.
7
Q
Wh
at
was
th
e
p
ur
po
se
o
f
t
ha
t
th
ir
d
mor
tg
ag
e
8
fr
om
W
ac
ho
vi
a -
-
w
ha
t di
d y
ou
us
e i
t
f
or
?
9
A
Th
e b
ui
ld
in
gs
i
n
Ea
st
O
ra
ng
e,
fo
r
re
no
va
tio
ns
.
10 Q Now, I assume that
is also
with
your
records
11
lo
ca
ted
at
36
3
39
3
Le
xi
ng
to
n?
12
A
Y
es
.
1
3
Q
Al
l
ri
gh
t.
Y
ou
als
o
ow
n
hom
e
do
wn
i
n
14
St
af
fo
rd,
N
ew
Jer
se
y?
15
A
Y
es
.
1
6
Q
A
nd
wh
en
di
d yo
u
bu
y
th
at
?
1
7
A
I
m
n
ot
su
re
-
- m
ay
be
f
our
o
r
fi
ve
y
ea
rs
ag
o.
1
8
Q
An
d
d
o yo
u re
ca
ll
wh
at
t
he
pu
rc
ha
se
pri
ce
on
19
th
at
h
om
e
wa
s?
2
0
A
3
40
.
2
1
Q
A
nd
wh
er
e
di
d
yo
u
ge
t t
he
m
on
ie
s t
o
p
ur
cha
se
22
it
?
23
A
W
e
ha
d par
tn
er
a
t
th
e t
im
e
an
d
we
b
ou
gh
t it
--
24
we
b
ot
h
bo
ug
ht
it
.
25
Q
Ok
ay
.
And
w
he
re
did
yo
u
g
et
yo
ur
f
ina
nc
in
g
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
14/87
Colloquy
14
1
from?
A
At
the
time,
we
were
buying
and
selling
homes.
Q
Now,
in
the
last
four
years,
did you own
any
4
other
residential homes?
5 A
No.
6
Q
So
all
of
this buying
and selling
of
homes
7
occurred prior
to this
--
8
A
Yes.
9
Q
--
these
purchase --
these
properties
listed
10 in
the
petition?
11
A
Yes.
12
Q
Okay.
You own
393
Lexington
Avenue?
13 A
Yes.
14
Q
And when
did
you
buy
that
property?
15
A
Ten
years ago.
16 Q
And
what does
that
property
consist
of?
17
A
It s
got four
apartments and
three stores.
18
Q
And how
much
rent do
you
get
from
these?
19 A
Not
much.
20 Q
Excuse
me?
21 A
Not much,
I
think
like the four
--
22
Q
Well,
tell
me
--
tell
me
each --
23 A
We ve
probably
got about
three
apartments
that
24
are
paying
there
right
now.
25 Q
All
right.
What is
the
amount
--
monthly
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
15/87
C
ol
lo
qu
y
15
1
am
ou
nt
?
2
A
Ap
pr
ox
i
ma
te
ly
10
00
f
ro
m
e
ac
h
a
pa
rt
me
nt
-
-
ab
ou
t
30
00
.
4
Q And are there
written
leases for the
--
for
5
t
he
-
-
6
A
Ye
s.
7
Q
O
ka
y
.
No
w,
t
he
th
re
e
s
to
re
s,
a
re
th
ey
8
o
c
cu
pi
ed
?
9 A
Tw
o o
f
t
he
m
ar
e
o
cc
up
ie
d,
b
ut
t
he
y'
re
no
t
p
ay
in
g.
10
Q
And when's
the
last time they p
ai
d yo
u
1
1
an
yt
hi
ng
?
12
A
P
ro
b
ab
ly
a
bo
ut
f
ou
r
m
on
th
s
ag
o,
fi
ve
m
on
th
s
ag
o.
1
3
Q
Wh
at
di
d
yo
u
do
ab
ou
t
t
he
fa
il
ur
e
to
p
ay
?
1
4
A
We
ll
,
I
to
ok
t
he
m t
o
c
ou
rt
a
nd
we
ca
me
to
a
n
1
5
a
gr
ee
me
nt
th
at
th
ey
w
er
e go
in
g
to
st
ar
t
p
ay
in
g,
bu
t
1
6
th
en
t
he
y
d
id
n'
t
p
a
y.
So
--
a
nd
i
f
I
th
ro
w
th
em
ou
t,
17
y
ou
c
an
't
-
-
no
bo
dy
'
s
go
in
g
t
o
re
nt
t
he
m
an
yw
ay
,
s
o
I
1
8
ju
st
l
ef
t
th
em
t
he
r
e,
s
ee
if
I
c
an
s
el
l
i
t.
19
Q
An
d
i
s
th
er
e
on
e
-
- on
e co
mm
er
ci
al
sp
ot
-
-
2
0
A
Y
ea
h,
t
ha
t
I
-
-
2
1
Q
-
-
t
ha
t
yo
u'
re
ge
tt
in
g
r
en
t --
2
2
A
-
-
t
ha
t
I
o
cc
up
y.
2
3
Q
O
h,
th
at
y
ou
oc
cu
py
?
24
A
Y
es
.
2
5
Q
O
ka
y.
An
d d
o
yo
u
ha
ve
a
n
y
es
ti
ma
te
of
wh
at
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
16/87
Colloquy
16
1
the
value
of
this
property
is?
2
A
Four
or
five
hundred.
3
Q
What's the
condition of
the
property?
4 A
It's decent.
5
(Pause in
proceedings)
6 BY
MR.
TRUSTEE:
7
Q
Okay.
All
right,
when
you
filed
this
8
petition,
where
did
you
bank?
9 A
Greater
Community
--
or
Community
Bank
of
Bergen,
10 whatever it's called.
11
Q
Okay.
And
you
indicated
you only
had
1000
12
in
your
account on
the
date
you
filed
this
petition?
13 A
Yes.
14
Q
And
is
that
accurate?
15 A
I
think
so.
16
Q
Did
you
have
any
cash
--
physical
cash
on
17
the
date
you
filed this
petition?
18 A
No.
19
Q
No,
you
didn't
have
20 in
your
pocket on
--
20
A
Oh,
yeah
I
had
20
or
course,
100,
whatever
it
21
is.
22 Q
You
didn't
have any
thousands of
dollars
or
23
hundreds of
dollars?
24
A
No.
25
Q
None?
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Before Appointed Trustee John Sywilok, Esq.
17/87
Colloquy l~
1
A
Maybe
a few
hundred,
I
don t know.
2
Q
All
right.
You ve
had an
opportunity
and
you
said
you
reviewed
your
petition
and
schedules
4
before
you
signed
it.
Is that
correct?
5 A
Yes.
6
Q
And
there
were
listed all
kinds
of
household
7
furnishings.
Are
they
recent
purchases or
are
they
8
older
purchases or
are
they
old
--
what
is
the
9
condition of
that
--
those
household
furnishings?
10 A They re used.
11
Q
Well,
you
did
renovate.
12
A
Yes.
13
Q
Right?
You
put in a
new
refrigerator?
14
A
I
had a
lot of
old
stuff
to
--
15
Q
Well,
what
kind of
refrigerator do
you
have?
16
MRS.
Giudice:
You d
probably
have
to
ask
me
17
that,
he
doesn t know
--
he
doesn t know.
18
MR.
Giudice:
Yeah,
I
--
I
don t know.
19 BY
MR.
TRUSTEE:
20
Q
You
don t know?
21
A
No.
22
Q
Do
you
know
what
kind of
stove
do
you
--
do
23
you
have?
24
A
I
believe
it s a
used
Wolf or
something.
25
Q
So
you re
saying
the
condition
of
your
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8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
18/87
C
ol
lo
qu
y
18
1
h
ou
se
ho
ld
fu
rn
is
hi
ng
s
a
re -
-
2
A
Y
ou
c
an
bu
y the
m
s
ec
on
d
ha
nd
--
ne
w,
bu
t
se
con
d
ha
nd
f
or
a
lot
l
es
s.
Yo
u
do
n
t
ha
ve
to
b
uy
th
em
b
ra
nd
new.
5
Q
Wha
t
j
ew
el
ry
do
yo
u ow
n?
6 A
T
he
c
ha
in
ar
ou
nd
my
n
ec
k,
th
at
my
fa
the
r
ac
tu
al
ly
7
ju
st
g
av
e
m
e
t
he
ot
her
da
y.
8
Q
An
d
n
o
o
th
er
jew
el
ry
?
9
A
Nop
e.
I
a
ct
ua
lly
h
ad
wa
tc
h
a
nd
I
ju
st
l
os
t
i
t
10
the
other day.
Now
I
d
on
t
eve
n
ha
ve
tha
t.
11
Q
W
ha
t
k
in
d
o
f
wa
tc
h
di
d y
ou
l
ose
?
12
A
I
t
hi
nk
i
t
wa
s
an
E
sq
ui
re
or
so
me
th
ing
-
-
I
don
t
1
3
e
ve
n
k
no
w.
1
4
Q
S
ir
,
you
s
ee
m
t
o t
ak
e
th
is
wi
th
a
g
rea
t
15
le
vi
ty
.
I
th
in
k -
-
16
A
I
m
no
t
--
1
7
Q
yo
u
hav
e
t
o
b
e
mo
re
se
ri
ou
s -
-
18
A
I
m
j
us
t
t
el
li
ng
th
e
tru
th
.
1
9
Q
ab
ou
t
t
his
.
Y
ou
r
p
et
it
io
n
lis
ts
a
gol
d
2
0
n
eck
la
ce
a
nd
gol
d
cr
os
s.
Do
yo
u
ow
n -
-
do
yo
u
st
ill
21
h
av
e
th
at
?
2
2
A
Yes
.
23
Q
You
ha
d
an
Es
qu
ir
e
wa
tc
h?
24
A
Ye
s.
2
5
Q
Do
y
ou
s
ti
ll
hav
e
t
ha
t?
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
19/87
Colloquy
19
1
A
I ve
been
looking
for
it
the
last
couple
days;
I
2
can t
find
it.
3
Q
And
when
did
you
get
that
watch?
4
A
It s
old.
5
Q
By
old,
how
old?
6 A
Twenty
years ago.
7
Q
And
you
have
a
wedding --
a
wedding
band?
8 A
Yes.
9
Q
And
no
other
jewelry.
Is
that
correct?
10 A
Right.
11
Q
Okay.
What
is
G
and
G
Realty
Holding?
12
A
It s
a
dissolved
corporation.
I
used
to do
real
13
estate
out of
--
14
Q
And when
was
it
dissolved?
15 A
Years
ago.
16 Q Would
that
be
at the
end
of
2005?
17
A
Yeah,
probably.
18
Q
All
right.
Tell
me
about G
and
G
Stone --
19
Stucco
and
Stone
Specialist.
20
A
I
just
started
that
maybe
-- I
don t
know --
21
three
or
four
months
ago
--
five
months
ago.
We
don t
22
really
do
much
business
out of
it.
23
Q
All
right.
Do
you
have
any
employees?
24
A
Not
right now.
25
Q
When
is
the
last
time
you
had any
employees?
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8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
20/87
Colloquy
20
1 A I
mean,
I
use
them
in
the
buildings
when
I
need
2
them.
I
just
hire them.
3 Q
Are
they hired
on
a
temporary
basis?
4
A
Yes.
5
Q
And how
much
income
have
you
received
from
G
6 and
G?
7
A
Not much
at
all; I
haven t
done much
business
out
8
of
there.
9
(Pause in
proceedings)
10 MR. KRIDEL: Here.
11
MR.
Giudice:
Oh,
sorry.
12
MR.
KRIDEL:
Here s
a --
these
are
the
13
records.
14
MR.
Giudice:
Of
G
and
G?
15
UNIDENTIFIED
FEMALE:
Yes.
16 MR.
Giudice: It
shows
here 4120
17
MR.
KRIDEL:
Well,
you ve
got to
explain
18
what
it
is.
19
MR.
Giudice: Oh.
20
MR.
KRIDEL: Just for
the
record, this
is
a
21
summary of
records
provided
by
--
22
MR.
Giudice:
Do
you
have a
copy
of
this
23 page
here
or
no?
24
MR.
TRUSTEE: I
may
have,
yes.
25
MR.
KRIDEL:
Just
to
refresh
his
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8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
21/87
C
ol
lo
quy
2
1
1
r
ec
oll
ec
ti
on
to
h
el
p
you
--
in
a
ns
we
rin
g
yo
ur
2
que
st
io
ns
the
se
a
re
t
ak
en
f
ro
m
y
ou
r
re
co
rd
s a
nd
i
t'
s
j
us
t
a
su
mm
ar
y
wh
ic
h wa
s
p
re
vio
us
ly
pr
ov
id
ed
t
o
4
t
he
t
ru
st
ee
,
s
o
i
f
t
hi
s
ref
re
sh
es
you
r
re
co
ll
ect
io
n,
it
do
es
;
if
it
d
oe
sn
't
,
th
en
yo
u
s
ho
ul
dn'
t
l
oo
k
at
6
th
at.
7
B
Y
MR.
T
RU
STE
E:
8
Q
All
ri
gh
t.
Y
ou
'r
e
s
ay
ing
i
t
ha
d
a
l
im
it
ed
9
o
pe
ra
tio
n.
I
t'
s
onl
y
b
ee
n
in
exi
st
en
ce
fo
r
f
ou
r
10
months?
1
1
A
Ri
ght
.
1
2
Q
Wh
at
i
s
G
an
d G
S
tu
cco
,
I
nc.
?
13
A
It
's
th
e s
am
e t
hi
ng
as
G
a
nd
G
St
uc
co
an
d
S
to
ne.
14
Q
S
o
th
er
e's
n
o
s
ep
ar
at
e
co
mp
an
y
c
al
le
d
G
a
nd
15
G
St
uc
co
?
16
A
No.
1
7
Q
So
i
t'
s
t
he
c
or
rec
t
n
am
e
of
th
is
bu
si
ne
ss
1
8
is
G a
nd
G
S
tu
cc
o
a
nd
S
to
ne
Sp
ec
ia
li
st
s, I
nc
.?
1
9
A
Ye
s.
20
Q
An
d
t
he
re
ha
s
b
ee
n n
o ot
he
r
r
ela
te
d
c
omp
an
y
21
c
al
led
G
an
d
G?
2
2
A
No
.
2
3
Q
A
ll
r
ig
ht.
I
'm
goi
ng
t
o
s
ho
w
yo
u
a
W
-2
t
hat
2
4
wa
s
i
ss
ue
d
in
--
fo
r
200
7,
w
hic
h
li
st
ed
c
omp
en
sa
ti
on
25
o
f
59
8,
00
0.
Ca
n y
ou
ex
pl
ai
n
t
ha
t,
e
sp
ec
ia
ll
y in
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
22/87
Colloquy
22
1
light
of
the
fact
that
you said
that
this
company
is
2
only
operating
the
last
three or
four
months?
3
MR.
KRIDEL:
What s
that
from?
4
MR.
Giudice:
I
have no
idea
what
that s
5
from.
6
MR.
KRIDEL:
Can
I
look
at
it?
7
MR.
TRUSTEE:
Yeah,
sure.
8
(Pause
in
proceedings)
9
EXCELSIOR
LUMBER
OWNER:
Is
this
yours?
10
MR.
Giudice:
Yeah.
11
MR.
KRIDEL:
Is
that G
and
G s?
12
MR.
Giudice:
I
have no
idea.
13
MR.
TRUSTEE:
All
right.
14
MR.
Giudice:
Could
be
maybe
the
old -- I
15
have
no
idea.
16
MR.
KRIDEL:
No,
go
ahead.
You
should tell
17
the
trustee
if
you
had
another
entity.
If
you did --
18
he s
correct,
you
should
not
take
this
lightly,
so if
19
you
think
it
might
be
something
else,
you
should
20
testify
to
that.
So,
if
you
have
any
idea
what
it
21
might
be,
please
tell
Mr.
Sywilok
so
he
can
answer
the
22
question.
Obviously,
someone
prepared
this
and it s
23
either
correct
or
it s
not
correct.
But
--
24
MR.
Giudice:
It s
definitely
not
correct.
25
MR.
KRIDEL:
--
if
it s
comprised of
some
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
23/87
C
ol
loq
uy
23
1
o
the
r
en
ti
ty,
the
n yo
u -
-
2
M
R.
T
RU
STE
E:
A
ll
ri
gh
t.
MR
.
K
RID
EL
:
--
y
ou
nee
d
to
exp
la
in
i
t.
B
Y
MR
.
TR
UST
EE
:
5
Q
A
li
r
ig
ht.
I
'm
g
oin
g
to
s
ho
w
y
ou
a
cop
y of
6
y
our
20
07
ta
x
re
tur
n.
I
t
i
nd
ica
te
s w
ag
es
,
598
,0
00.
7
Ca
n
yo
u
exp
la
in
tha
t?
8
A
F
rom
t
he
re
nta
ls
un
it
.
9
Q
Bu
t
tha
t
ma
tc
hes
the
W-
2
tha
t
wa
s
a
tta
ch
ed
10 to this tax return.
11
A
I
t'
s pr
ob
abl
y
alt
og
eth
er
a
s
f
ar
a
s
r
en
ta
l
inc
om
e
12
an
d e
ve
ryt
hi
ng
and
G
a
nd
G
op
er
ati
ng
wit
h
the
--
y
ou
1
3 kn
ow
,
me
pa
yin
g
the
guy
s
an
d
ev
er
yth
in
g.
T
ha
t's
14
p
rob
ab
ly
w
hat
it
al
l
is.
1
5
Q
Wh
o
is
y
ou
r
ta
x
ac
co
unt
an
t
o
r
wh
o pre
pa
red
16
your tax
r
et
urn
s
for
y
ou
?
17
A
T
hat
wo
uld
b
e
Pa
tro
zz
a (
pho
ne
ti
c).
It
's
go
t
to
1
8
b
e
all
th
e
bu
ild
in
gs
t
og
eth
er
.
19
M
RS
.
Gi
udi
ce
:
I
s
t
ha
t
f
ro
m
Pa
t
Pat
ro
zza
?
20
MR
.
Gi
udi
ce
:
N
o,
i
t's
--
21
M
RS.
Giu
di
ce
:
Ok
ay
.
2
2
M
R.
Gi
ud
ice
:
No
.
He
pr
oba
bl
y
to
ok a
ll
th
e
23 bu
il
din
gs
-
- wha
te
ver
w
as m
ak
ing
fro
m
th
e
bu
ild
in
gs
,
24
an
d
a
dde
d it
a
ll
in
to
o
ne
thi
ng
.
2
5 B
Y
M
R.
TR
US
TEE
:
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
24/87
C
ol
l
oq
u
y
24
1
Q
B
u
t
t
he
pr
o
bl
e
m
is
y
ou
re
t
es
t
if
y
in
g
t
h
at
G
2
a
n
d
G
h
a
s o
nl
y
b
ee
n
o
pe
r
at
i
ng
f
ou
r
m
o
nt
h
s
ag
o
,
a
nd
t
hi
s
is
b
ac
k
t
o
2
0
07
,
t
hi
s
t
a
x
r
e
tu
r
n.
4
A
I
me
a
n,
I
j
u
st
s
ta
r
te
d
o
pe
r
ating stucco
again
--
5
yo
u
k
n
ow
w
ha
t
I
me
a
n,
d
oi
n
g
st
u
cc
o
j
ob
s
.
I m
e
an
-
-
6
M
RS
.
G
i
ud
i
ce
:
Th
a
t
s
a
di
f
fe
r
en
t
c
om
p
an
y
.
7
MR
.
G
iu
d
ic
e
:
Th
a
t
s
di
f
fe
r
en
t
co
m
pa
n
y
8
ri
g
ht
t
h
er
e
.
I
t
h
as
n
o
th
i
ng
to
do
w
it
h
t
h
is
c
om
p
an
y.
9
M
R.
K
R
I
DE
L
:
I
t
hi
nk
t
ha
t
s
wh
a
t
I
wa
s
-
-
10 MR. TRUSTEE:
Well,
I originally asked
yo
u
1
1
--
12
M
R.
K
R
ID
E
L:
I
th
i
nk
yo
u
n
ee
d
t
o
e
xp
l
ai
n
13
th
a
t.
1
4
M
R
.
T
RU
S
TE
E
:
-
-
ab
o
ut
t
ha
t
-
-
1
5
M
R
.
K
RI
D
EL
:
I
t
hi
n
k
y
ou
n
e
ed
to
e
x
pl
a
in
i
t
.
1
6
M
R.
TR
U
ST
E
E:
--
a
n
d
y
ou
s
ai
d
t
h
at
t
h
er
e
w
a
s
1
7
on
l
y
o
ne
s
tu
c
co
c
o
mp
a
ny
he
re
.
18
M
R.
G
i
ud
i
ce
:
W
el
l
,
n
ow
t
h
er
e
s
o
nl
y
on
e
19
s
t
uc
c
o
c
om
p
an
y
.
2
0
BY
M
R.
T
RU
S
TE
E
:
2
1
Q
T
h
er
e
w
as
a
n
ot
h
er
co
m
pa
n
y
th
e
n?
2
2
A
Y
es
.
2
3
Q
A
n
d
w
h
at
w
as
th
e
n
am
e
o
f
t
h
a
t co
m
pa
n
y?
2
4
A
Th
a
t
wa
s
G
a
n
d
G
--
I
gu
e
ss
--
S
t
uc
c
o,
In
c
.
2
5
Q
A
nd
wh
a
t
h
a
pp
e
ne
d
t
o
th
a
t
c
om
p
an
y
?
-
8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
25/87
Colloquy
25
1 A
We
dissolved
it.
2 Q
And
who
dissolved it
for
you --
A
My
accountant --
4 Q
--
or
did
you
do
it?
5
A --
I
probably
did
it,
or
my
accountant.
6 Q
All
right.
Where
is
the
documents
in
regard
7
to
the
dissolving
of
that
company?
8 A
I m
sure
my
accountant
has them.
9 Q
Your
accountant? And
again,
your
accountant
10 again
is
who?
11
A
Pat
Patrozza.
12
Q
Okay.
And~the
G and G
went out
of
business
13
what year?
14
A I
mean,
before
I
got into
the
real
estate -- I
15
used
to also
operate
under
G and
G
Realty,
Inc., G
and
16 G -- I
used to
use
it
as,
you
know,
both,
you know
17
what
I
mean,
so
--
18 Q
I --
you had
company --
19 A
No,
there
was a
--
20 Q
I m
a
little
confused --
21 A
There
was
a lot
of
companies,
you
know
--
22
Q
Stucco. You
had
two
companies
with
stucco
23
in
it.
Right?
24
A
Yeah.
25 Q
One
you
said
--
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8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
26/87
Colloquy
26
1
A I
had a
lot of
stucco
companies.
2
Q
Well,
you
said
you
dissolved one?
3 A
Right.
4 Q
And
you
were
--
5
A
I
dissolved
one over in --
6 Q
And you
have
information
concerning --
7
A
I
dissolved
one
--
8 Q
--
that company
that
you
dissolved.
Is
that
9
correct?
10
A
Right.
11 Q
And
you re
going
to
supply
that to
your
12
attorney who s
going
to
turn
it
over
to
me. Is that
13
correct?
14
A Right.
15 Q
All
right. So --
but,
you don t recall
16 exactly
when
that company
went
out of business or
when
17
you
dissolved it?
18
A
Are you
talking
about
this company
here?
19 Q
Yes.
20
A
I mean,
what
I
think
he
did
was probably use G
21
and
G
as the
operating
business, doing
work in
the
22
buildings, and
that s
how
he
made
all
this income
23 because
definitely
G
and
G Stucco
didn t
make
it.
24
Q Okay.
25
A All
right?
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8/15/2019 Teresa Giudice - Transcript Of Chapter 7-341 Hearing
Before Appointed Trustee John Sywilok, Esq.
27/87
C
ol
l
oq
uy
2
7
1
MR
.
KR
I
DE
L:
A
n
d
j
us
t
f
or
th
e
r
ec
or
d
,
m
a
yb
e
2
y
o
u
co
u
ld
a
sk
t
hi
s
q
u
es
ti
o
n,
b
ut
w
h
en
p
e
ti
ti
o
ns
a
re
3
i
n
di
ca
t
in
g
th
a
t
t
h
ey
d
is
so
l
ve
d
th
e
c
o
rp
o
ra
ti
o
n,
I
'm
4
no
t
s
u
re
t
he
y
dissolved
it
with
the State.
They
may
h
a
ve
j
us
t
c
lo
s
ed
i
t
do
wn
b
ec
a
us
e
I
'v
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t
se
en
a
ny
6
r
e
co
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u
ti
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ns
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d
I
'v
e
r
eq
ue
s
te
d
t
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em
,
7
bu
t
my
un
de
r
st
a
nd
in
g
i
s
t
h
at
th
e
y
n
o lo
n
ge
r
d
o
8
b
u
si
n
es
s.
S
o,
y
ou
m
i
gh
t
w
an
t
t
o
as
k
t
h
at
qu
e
st
i
on
.
I
9
d
on
't
t
hi
nk
th
e
re
's
a
n
y
d
is
s
ol
ut
i
on
p
ap
er
s
t
h
at
w
e
re
10 done
properly
through the State
of
New
Jersey. T
h
ey
11
ma
y
h
av
e
ju
s
t
d
is
s
ol
ve
d
i
t
in
t
he
g
en
er
i
c
s
e
ns
e
-
- in
1
2
t
he
l
a
y
s
en
s
e,
if
y
ou
-
-
13
MR
.
T
RU
ST
E
E:
W
el
l,
he
'
s
go
in
g
to
l
oo
k
at
14
t
ho
s
e re
c
or
ds
-
-
1
5
M
R
. K
R
ID
EL
:
R
ig
h
t.
1
6
M
R.
T
RU
ST
E
E:
-
-
a
nd
s
up
p
ly
th
em
i
f
t
h
ey
'r
e
17
in
e
x
is
t
en
ce
.
18
M
R.
K
RI
DE
L
:
Bu
t
t
he
r
e
co
rd
s
m
ay
r
e
fl
e
ct
1
9
t
h
at
t
he
y
w
en
t
ou
t
o
f
b
u
si
ne
s
s,
bu
t
th
e
y
d
id
n
't
fi
le
2
0
t
h
e
p
r
ob
a
bl
y
d
i
dn
't
ge
t
a
ta
x
cl
e
ar
an
c
e
ce
r
ti
f
ic
at
e
21
a
nd
a
c
e
rt
if
i
ca
t
e of
di
ss
o
lu
ti
o
n
f
r
om
th
e
S
t
at
e
o
f
N
e
w
22
J
er
se
y
. Th
a
t'
s
m
y
g
ue
s
s.
23
B
Y
MR
.
T
RU
ST
E
E:
2
4
Q
A
ll
r
ig
h
t.
I
'm
g
o
in
g
t
o
s
ho
w
yo
u
�
