<prompt> Human: I hope this is the correct subreddit. I read the rules and dont believe this post will break any of them.Backstory:My stepdad and mom have been married for about twenty years, and about ten years ago he started developing real estate for a living. Starting subdivisions, building houses, etc. In that time frame he has gone from being very conservative with his money to being flamboyant, downright wasteful with it. New truck every year, each grandkid has several ipads, they have super nice cars and a couple amazing houses. All the while, hes not sold a house in a very long time. This has made me suspicious in the past.A couple months ago my mother found out that hed removed about 100,000 from a business that they are part owners in. She found out this from the other partners in the business, not from him. Then she found out a couple weeks after that that he owes one of their mutual friends about 150,000 for a house that they had gone in together on. Then she found out that there are doctors bills that are late, and they owe a couple of local businesses pretty good chunks of change, about 20,000 each. He also has several LLCs that he seems at least in my eyes to be moving debts around in.All the while when she asks him about it he says everything is fine and that its just a downturn in the economy and that moving money around like he does is perfectly normal. So finally she got him to agree to have his banker send them a copy of his finances. Note that this is just one bank, I know that he doesnt exclusively use this bank. Attached is a redacted email that my mother fowarded me last night. You can see that the subject of the original email is Stepdad.xlsx and then when my stepdad forwarded it 8 hours later, it had changed to ABC Real Estate and that the attached document is some kind of PDF showing several properties and three columns, Balance Owed, Value of Property and Net Equity. The formatting is also kind of strange to me. Does this seem legit to you guys? Does this pdf look like something a banker would send? Im skeptical at best.Thanks for taking the time to look at this. Again, I hope that this post doesnt conflict with any subreddit rules.Thanks.  <response>: It looks like your stepdad took an email from them that had addresses and outstanding loans, then added in present value which banks wouldnt track just the appraised value and net equity again, banks dont care about this unless you are trying to get rid of PMI, while removing anything else of value monthly loan payment, terms of the loan, current status, etc.I dont think your stepdad is doing anything illegal, I just think he is in over his head, owes a lot of money and is using fancy spreadsheets to tell himself and others everything is fine so he can keep spending like he does. Honestly, Im afraid for your mom, if he cant run the businesses like this, is your mom safe from his poor spending? Does she have her retirement set-up and out of his control?Id get with the business partners and ask to look at the books. Everything from outstanding loans, current monthly payments for debt service, how much each guy is getting paid, outstanding inventory, outstanding orders, bills from venderssuppliers, etc. Since your mom is part owner, she can use her powerauthor to get these numbers might be a lot of work if this is a poorly run company. 