It started with a simple backyard project. It ended with an enormous financial hole.

All Michael Berard wanted was a small concrete ramp installed in the backyard of his Swansea home. The upgrade would make it easier for the retired machinist to pull the riding lawnmower in and out of his basement.

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However, the equipment and debris still scattered around his property months later provide a constant reminder that he got way more than he bargained for.

“I don’t want to start crying, but I feel like it,” Berard said from the kitchen of his home as he recounted his financial nightmare.

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The experience began last February when Berard was walking his dog and noticed some maso

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