What is TheAdvancementGroupLLC? Who is

I’m NOT alone in getting bad paper from Ruben. I’ll show you mine, now show me yours.

 Date: January 27, 2017

For value received, the undersigned Ruben Ledesma, Jr., The Advancement Group Investment Fund, LLC (the “Borrower”), at [address redacted], promises to pay B. David Durall, Philmore, LLC electronically

(or at such other place as the Lender may designate in writing) the sum of $7,000.00 with interest of 20% from January 27, 2017 on the unpaid principal at the rate of 20% per annum .

Unpaid principal after the Due Date shown below shall accrue interest at a maximum rate annually until paid.

The unpaid principal and accrued interest shall be payable in full on March 13, 2017 the “Due Date.”

All payments on this Note shall be applied first in payment of accrued interest and any remainder in payment of principal.

If any payment obligation under this Note is not paid when due, the remaining unpaid principal balance and any accrued interest shall become due immediately at the option of the Lender.

The Borrower reserves the right to prepay this Note (in whole or in part) prior to the Due Date

With no prepayment penalty.

If any payment obligation under this Note is not paid when due, the Borrower promises to pay all costs of collection, including reasonable attorney fees, whether or not a lawsuit is commenced as part of the collection process.

If any of the following events of default occur, this Note and any other obligations of the Borrower to the Lender, shall become due immediately, without demand or notice :

the failure of the Borrower to pay the principal and any accrued interest in full on or before the Due Date;

  • the death of the Borrower or Lender;
  • the filing of bankruptcy proceedings involving the Borrower as a debtor;
  • the application for the appointment of a receiver for the Borrower ;
  • the making of a general assignment for the benefit of the Borrower’s creditors;
  • the insolvency of the Borrower ;
  • a misrepresentation by the Borrower to the Lender for the purpose of obtaining or extending credit.  (after a year and a half with no re-payment, I feel that Ruben had no intention of repaying this debt. This feeling is also supported by others online who claim that Ruben borrowed money with bad promissory notes.)

If any one or more of the provisions of this Note are determined to be unenforceable, in whole or in part , for any reason , the remaining provisions shall remain fully operative.

All payments of principal and interest on this Note shall be paid in the legal currency of the United States. The Borrower waives presentment for payment, protest, and notice of protest and nonpayment of this Note.

No renewal or extension of this Note, delay in enforcing any right of the Lender under this Note, or assignment by Lender of this Note shall affect the liability or the obligations of the Borrower. All rights of the Lender under this Note are cumulative and may be exercised concurrently or consecutively at the Lender’s option .

This Note shall be construed in accordance with the laws of the State of Texas.

Signed this 27th day of January 2017 at [address redacted],


{signature on original available upon request}


Update 7/17

Ruben is telling me that if I’ll give him the names of the people he’s owed, he’ll pay them.

I told him to pay his conscience – But, I feel that so far he has been doing just that.

I won’t do his foot work for him. He knows who he’s wronged.